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We're not going on a Teams call or anything like that, so that's perfect, mate. Thank you. Please don't ask me to video call if that's okay. Awesome, mate. Before before I jump into it, I, possibly for the last time, just want to do a quick security check with you because I'm about to talk about your personal information. Are you okay to confirm your date of birth and address, please? Perfect. Thank you so much for that, mate. I had you booked in from Michelle. Thank you so much for talking with Michelle as well and also being so polite with her. Really appreciate that. I've just gone through a few things on your file just to double check a few points that I need to talk to you about on the way out to AustralianSuper. So I just wanna take a couple of minutes just to go through basically some of the points that she already touched on and just give you some ideas about what you can and can't do, if that's alright. Awesome. So where everything is currently sitting at the moment is from the rollout request hub 24. They're pretty Johnny on the spot when it comes to selling investments. So most of the investments have already sold down the cash. All of your ETFs are currently sitting in cash. There's about $68,002.04 5 in there. Now you did have some capital gains because you've super grown, so a little bit of that got trimmed off when they sold it down. Yeah. And then there's also 15,358 still sitting in two last options because their managed funds, they usually take an extra few days. So Close enough. So, basically, it hasn't rolled out to AustralianSuper. It's just pooling into cash for the time being. Basically, total balance is $83.06 $0.03. The tax liability sitting there is 1,240. That's kinda what's pending from the sales. K. So nothing too major, just a little bit chopping out there. Normally, it's not too big of an issue because, normally, when you're with, like, an Australian super or an industry fund, all of the capital gains type stuff is already baked into your unit price. With Hub twenty four, because you've got all this sort of direct ownership of all these different ETFs, you've just got more transparency and control. So it looks like you lose this much in capital gains tax, but it was all sitting there originally for the year after the growth anyway. So it's not like an extra fee or anything like that. It's just a realization of what happens under the hood. Cool. One of the things with the insurances that Michelle mentioned, to you, but that AIA policy, I know you kind of spoke to her briefly about it yesterday, but do you know if you're getting default insurances through AustralianSuper? Did they mention that we'll click on once the funds go there? Yeah. Yeah. All the way until, like, January 2027, twenty third of January. Fair enough. I understand. Yeah. Yeah. Yeah. Yes. Yep. So that's what I wanted to talk to you about. So what I'll do is I'll go the risk of the capital gains, that's already been realized, so that's done and dusted. I'll go through the insurances and the super with you. So, usually, when you open up a new account, once a contribution hits or sometimes upon rollover, you automatically get life TBD and possibly income protection added to the account as a bit of a default unless something in the application not ticking a box, that kind of thing. Because your AIA policy is paid for an enduring rollover, You can still update the payment details and during rollover form with AIA to come out of AustralianSuper. So most of the industry funds, they allow, I think, one rollover a year kind of thing. Sometimes they're a bit restrictive on it. A yearly insurance premium payment's usually still okay. Your only issue is if you change insurances down the line, then they may not allow that second one. Like, it's the overlap's a bit painful, but you can absolutely update the details with AIA, and that can come out of that account. Yeah. And, usually, I think we can help with an enduring rollover form as well. So I don't mind if our staff kind of prefills it for you. But the only problem is once your AustralianSuper is opened, we would then need, like, that member number so that we can actually fill that in unless you're comfortable doing it yourself either way. Yeah. If you've got that, I can I can note that down? That's no worries. No. Fair enough, mate. It's on call. It's trying to load things up. It's just it still coming back from me for the weekend. Is it iPhone or Android? Yeah. One zero double seven one eight one 477. Perfect. So what I will do is I'll get the team to kind of prefill up some enduring rollover forms for you. Most of all the details should be the same. Like, obviously, if Australian Super have different addresses and things like that, that may be an issue. We'll double check what's on AIA itself. Just make sure all that's up to date. The other couple of things I wanna go over with you as well. So when it comes to the insurances, so we are still listed as advisers on the insurance policy. So what that basically means is that if you go to claim on the insurances, you can still call us, and we can help you through the claims process and also provide claims advice if you would still like to do that. Yeah. Yeah. So when it comes to the insurances, because all insurers pay, like, the same 22% commissions to the advisers that have kind of linked to it. We're still linked there. We get a bit of trailing commission for it. So if any point you want to update your details or even alter the insurances, we can still do insurance advice. Yeah. Yeah. Right. Gotcha. Yeah. It could be worth turning it down a little bit. Debts have been paid down a bit. All kinds of things. Yeah. I get you. Awesome. And I did see a couple notes there from Michelle that, obviously, going to AustralianSuper, you're trying to get some, like, lower fees, simplify things a little bit, and possibly go towards, like, self managed super fund down the line, property, that kind of thing. Gotcha. Okay. Cool. Yeah. Yep. And just get that revolving through and just have a bit more involvement in what you're invested in. Yeah. Yeah. Okay. So you're not trying to go down the route of borrowing to get investment properties and all that crazy stuff. Yeah. Yeah. Yeah. Awesome. Awesome. So the when it comes to, like, the self managed side of things, I know a lot of those funds have, like, a a self select menu that gives you a little bit extra where you can possibly pick some stocks and ETFs and things like that. Obviously, if you go the full self managed super fund route, I don't know if you know the process there, but setting up the entities, the companies, the bank accounts is a bit of a process to get that. Yeah. Yeah. Yes. Yeah. Yeah. Yeah. Gotcha. Yeah. You've just got your head screwed on straight there. Can I ask you a question? When it comes to like, obviously, advisors looking after your super account, so we're obviously pretty sad to see your request to go because we were trying to catch up for a review towards sort of Christmas time. And then I know I think we got missed there. And then all of a sudden, we changed systems, and by the time it came around, there was the email kinda sitting there. But, obviously, we do a lot of managing investments, picking and choosing investments for clients, that kind of thing. Is it more so just trying to have a bit more, like, direct control over it? So, you know, you can obviously lower the fees, have the member direct pick the stocks yourself. Like, what what do you find about that process? Yes. Gotcha. Yeah. Yeah. K. Yeah. Yeah. All these moving parts that you can't really sort of see or know what's going on with your money. Yeah. Yeah. Yep. I think that's really cool that you've actually gone to that depth of not just checking some fees and rolling to any old fund because it says the new in the news, they're the top 10, but actually finding something that has the investment structure that you want. Direct shares, members direct. It's a cool thing to do. Not many people do. Yeah. 100. So I guess the the last thing I wanna sort of say is that what would have happened had you remained in Hub twenty four and a and a client of Oakview, just so you can sort of see it in your mind, is we go through the annual review in the first quarter of the year. We have Dana who would have been sort of your, I guess, direct adviser throughout the year looking after it. She would have gone through your performance. Yep. It's great. It's up 13%. This option's up 30. This one's up 50. One of them's underperformed, so let's just chop this option and switch it to that one and just boost things up a little bit, and that's probably the conversation that you were gonna have. Yeah. Yeah. Yeah. It's a bit of a timing position, isn't it, to line up an appointment and then go through a second or third chat to understand it? Yeah. Hey. I don't even answer my phone number. Someone leaves a voice mail or calls twice, so no one does these days. Yeah. Yeah. Absolutely. No. That's awesome, Ricky. Look, I do appreciate your your transparency and and your candidness. Last couple of things to just be aware of is just make sure you sort out your beneficiaries with AustralianSuper. You're obviously sorting out the investments. We'll sort out the enduring rollover for your insurances. Everything's looking pretty good there. And you should be pretty well okay. No worries at all, mate. If you ever do need anything, give us a buzz. We'll obviously, all of our contact numbers will still be through like, you've got our details, website, and then obviously through AIA as well if you ever forget who we are kind of thing. But, again, let's say, new year, next year, you wanna do a bit of a trim down of those insurances. Just give us a buzz, and we can do some alterations together. Yeah. Yeah. I might do that. Like, I think as part of our account closure process, we'll send an email anyway, and I might include that enduring rollover form with it. So that way, you've got a a written record that way. So I'll just get Michelle to add a couple of things to that if that's alright. Easy done. Do you have any more questions for me before I let you go? Awesome. I think. No worries at all, mate. Well, thank you so much for your time. All the best with the shares and everything, and thank you again. Maybe done. I need anything. Give it to Buzz. Alright. See you later. 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Ricky. Tell me here again from Oakview, mate. Have I caught you with clothes on? Halfway there. That's broken enough for a phone call.\n\nWe're not going on a Teams call or anything like that, so that's perfect, mate. Thank you. Please don't ask me to video call if that's okay. Awesome, mate. Before before I jump into it, I, possibly for the last time, just want to do a quick security check with you because I'm about to talk about your personal information.\n\nAre you okay to confirm your date of birth and address, please? Perfect. Thank you so much for that, mate. I had you booked in from Michelle. Thank you so much for talking with Michelle as well and also being so polite with her.\n\nReally appreciate that. I've just gone through a few things on your file just to double check a few points that I need to talk to you about on the way out to AustralianSuper. So I just wanna take a couple of minutes just to go through basically some of the points that she already touched on and just give you some ideas about what you can and can't do, if that's alright. Awesome. So where everything is currently sitting at the moment is from the rollout request hub 24.\n\nThey're pretty Johnny on the spot when it comes to selling investments. So most of the investments have already sold down the cash. All of your ETFs are currently sitting in cash. There's about $68,002.04 5 in there. Now you did have some capital gains because you've super grown, so a little bit of that got trimmed off when they sold it down.\n\nYeah. And then there's also 15,358 still sitting in two last options because their managed funds, they usually take an extra few days. So Close enough. So, basically, it hasn't rolled out to AustralianSuper. It's just pooling into cash for the time being.\n\nBasically, total balance is $83.06 $0.03. The tax liability sitting there is 1,240. That's kinda what's pending from the sales. K. So nothing too major, just a little bit chopping out there.\n\nNormally, it's not too big of an issue because, normally, when you're with, like, an Australian super or an industry fund, all of the capital gains type stuff is already baked into your unit price. With Hub twenty four, because you've got all this sort of direct ownership of all these different ETFs, you've just got more transparency and control. So it looks like you lose this much in capital gains tax, but it was all sitting there originally for the year after the growth anyway. So it's not like an extra fee or anything like that. It's just a realization of what happens under the hood.\n\nCool. One of the things with the insurances that Michelle mentioned, to you, but that AIA policy, I know you kind of spoke to her briefly about it yesterday, but do you know if you're getting default insurances through AustralianSuper? Did they mention that we'll click on once the funds go there? Yeah. Yeah.\n\nAll the way until, like, January 2027, twenty third of January. Fair enough. I understand. Yeah. Yeah.\n\nYeah. Yes. Yep. So that's what I wanted to talk to you about. So what I'll do is I'll go the risk of the capital gains, that's already been realized, so that's done and dusted.\n\nI'll go through the insurances and the super with you. So, usually, when you open up a new account, once a contribution hits or sometimes upon rollover, you automatically get life TBD and possibly income protection added to the account as a bit of a default unless something in the application not ticking a box, that kind of thing. Because your AIA policy is paid for an enduring rollover, You can still update the payment details and during rollover form with AIA to come out of AustralianSuper. So most of the industry funds, they allow, I think, one rollover a year kind of thing. Sometimes they're a bit restrictive on it.\n\nA yearly insurance premium payment's usually still okay. Your only issue is if you change insurances down the line, then they may not allow that second one. Like, it's the overlap's a bit painful, but you can absolutely update the details with AIA, and that can come out of that account. Yeah. And, usually, I think we can help with an enduring rollover form as well.\n\nSo I don't mind if our staff kind of prefills it for you. But the only problem is once your AustralianSuper is opened, we would then need, like, that member number so that we can actually fill that in unless you're comfortable doing it yourself either way. Yeah. If you've got that, I can I can note that down? That's no worries.\n\nNo. Fair enough, mate. It's on call. It's trying to load things up. It's just it still coming back from me for the weekend.\n\nIs it iPhone or Android? Yeah. One zero double seven one eight one 477. Perfect. So what I will do is I'll get the team to kind of prefill up some enduring rollover forms for you.\n\nMost of all the details should be the same. Like, obviously, if Australian Super have different addresses and things like that, that may be an issue. We'll double check what's on AIA itself. Just make sure all that's up to date. The other couple of things I wanna go over with you as well.\n\nSo when it comes to the insurances, so we are still listed as advisers on the insurance policy. So what that basically means is that if you go to claim on the insurances, you can still call us, and we can help you through the claims process and also provide claims advice if you would still like to do that. Yeah. Yeah. So when it comes to the insurances, because all insurers pay, like, the same 22% commissions to the advisers that have kind of linked to it.\n\nWe're still linked there. We get a bit of trailing commission for it. So if any point you want to update your details or even alter the insurances, we can still do insurance advice. Yeah. Yeah.\n\nRight. Gotcha. Yeah. It could be worth turning it down a little bit. Debts have been paid down a bit.\n\nAll kinds of things. Yeah. I get you. Awesome. And I did see a couple notes there from Michelle that, obviously, going to AustralianSuper, you're trying to get some, like, lower fees, simplify things a little bit, and possibly go towards, like, self managed super fund down the line, property, that kind of thing.\n\nGotcha. Okay. Cool. Yeah. Yep.\n\nAnd just get that revolving through and just have a bit more involvement in what you're invested in. Yeah. Yeah. Okay. So you're not trying to go down the route of borrowing to get investment properties and all that crazy stuff.\n\nYeah. Yeah. Yeah. Awesome. Awesome.\n\nSo the when it comes to, like, the self managed side of things, I know a lot of those funds have, like, a a self select menu that gives you a little bit extra where you can possibly pick some stocks and ETFs and things like that. Obviously, if you go the full self managed super fund route, I don't know if you know the process there, but setting up the entities, the companies, the bank accounts is a bit of a process to get that. Yeah. Yeah. Yes.\n\nYeah. Yeah. Yeah. Gotcha. Yeah.\n\nYou've just got your head screwed on straight there. Can I ask you a question? When it comes to like, obviously, advisors looking after your super account, so we're obviously pretty sad to see your request to go because we were trying to catch up for a review towards sort of Christmas time. And then I know I think we got missed there. And then all of a sudden, we changed systems, and by the time it came around, there was the email kinda sitting there.\n\nBut, obviously, we do a lot of managing investments, picking and choosing investments for clients, that kind of thing. Is it more so just trying to have a bit more, like, direct control over it? So, you know, you can obviously lower the fees, have the member direct pick the stocks yourself. Like, what what do you find about that process? Yes.\n\nGotcha. Yeah. Yeah. K. Yeah.\n\nYeah. All these moving parts that you can't really sort of see or know what's going on with your money. Yeah. Yeah. Yep.\n\nI think that's really cool that you've actually gone to that depth of not just checking some fees and rolling to any old fund because it says the new in the news, they're the top 10, but actually finding something that has the investment structure that you want. Direct shares, members direct. It's a cool thing to do. Not many people do. Yeah.\n\n100. So I guess the the last thing I wanna sort of say is that what would have happened had you remained in Hub twenty four and a and a client of Oakview, just so you can sort of see it in your mind, is we go through the annual review in the first quarter of the year. We have Dana who would have been sort of your, I guess, direct adviser throughout the year looking after it. She would have gone through your performance. Yep.\n\nIt's great. It's up 13%. This option's up 30. This one's up 50. One of them's underperformed, so let's just chop this option and switch it to that one and just boost things up a little bit, and that's probably the conversation that you were gonna have.\n\nYeah. Yeah. Yeah. It's a bit of a timing position, isn't it, to line up an appointment and then go through a second or third chat to understand it? Yeah.\n\nHey. I don't even answer my phone number. Someone leaves a voice mail or calls twice, so no one does these days. Yeah. Yeah.\n\nAbsolutely. No. That's awesome, Ricky. Look, I do appreciate your your transparency and and your candidness. Last couple of things to just be aware of is just make sure you sort out your beneficiaries with AustralianSuper.\n\nYou're obviously sorting out the investments. We'll sort out the enduring rollover for your insurances. Everything's looking pretty good there. And you should be pretty well okay. No worries at all, mate.\n\nIf you ever do need anything, give us a buzz. We'll obviously, all of our contact numbers will still be through like, you've got our details, website, and then obviously through AIA as well if you ever forget who we are kind of thing. But, again, let's say, new year, next year, you wanna do a bit of a trim down of those insurances. Just give us a buzz, and we can do some alterations together. Yeah.\n\nYeah. I might do that. Like, I think as part of our account closure process, we'll send an email anyway, and I might include that enduring rollover form with it. So that way, you've got a a written record that way. So I'll just get Michelle to add a couple of things to that if that's alright.\n\nEasy done. Do you have any more questions for me before I let you go? Awesome. I think. No worries at all, mate.\n\nWell, thank you so much for your time. All the best with the shares and everything, and thank you again. Maybe done. I need anything. Give it to Buzz.\n\nAlright. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Ricky.","start":2.56,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.04073652997612953},{"text":"Tell me here again from Oakview, mate.","start":3.1999998,"end":4.56,"sentiment":"neutral","sentiment_score":0.029205475002527237},{"text":"Have I caught you with clothes on?","start":4.56,"end":6.02,"sentiment":"neutral","sentiment_score":0.010459061046796185},{"text":"Halfway there.","start":9.44,"end":10.24,"sentiment":"neutral","sentiment_score":0.004738071002066135},{"text":"That's broken enough for a phone call.","start":10.24,"end":11.759999,"sentiment":"neutral","sentiment_score":-0.04348558728400219}],"sentiment":"neutral","sentiment_score":0.0025680737325455994,"num_words":25,"start":2.56,"end":11.759999},{"sentences":[{"text":"We're not going on a Teams call or anything like that, so that's perfect, mate.","start":11.759999,"end":15.745,"sentiment":"neutral","sentiment_score":-0.06539218227068583},{"text":"Thank 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please?","start":33.14,"end":35.88,"sentiment":"neutral","sentiment_score":0.022427281985680263},{"text":"Perfect.","start":44.035,"end":44.535,"sentiment":"positive","sentiment_score":0.4973792731761933},{"text":"Thank you so much for that, mate.","start":44.595,"end":46.295,"sentiment":"positive","sentiment_score":0.6511284538677761},{"text":"I had you booked in from Michelle.","start":46.675,"end":49.075,"sentiment":"positive","sentiment_score":0.3588359313351767},{"text":"Thank you so much for talking with Michelle as well and also being so polite with her.","start":49.075,"end":53.635,"sentiment":"positive","sentiment_score":0.560531546087826}],"sentiment":"positive","sentiment_score":0.39466576447541063,"num_words":44,"start":33.14,"end":53.635},{"sentences":[{"text":"Really appreciate that.","start":53.635,"end":54.855,"sentiment":"positive","sentiment_score":0.5787938237190247},{"text":"I've just gone through a few things on your file just to double check a few points that I need to talk to you about on the way out to AustralianSuper.","start":56.04,"end":62.94,"sentiment":"neutral","sentiment_score":0.007644595458142219},{"text":"So I just wanna take a couple of minutes just to go through basically some of the points that she already touched on and just give you some ideas about what you can and can't do, if that's alright.","start":63.399998,"end":71.775,"sentiment":"neutral","sentiment_score":-0.04030464892872633},{"text":"Awesome.","start":74.095,"end":74.595,"sentiment":"neutral","sentiment_score":0.26843708753585815},{"text":"So where everything is currently sitting at the moment is from the rollout request hub 24.","start":74.895004,"end":80.255005,"sentiment":"neutral","sentiment_score":0.033257219241932034}],"sentiment":"neutral","sentiment_score":0.013355946861621407,"num_words":90,"start":53.635,"end":80.255005},{"sentences":[{"text":"They're pretty Johnny on the spot when it comes to selling investments.","start":80.255005,"end":83.955,"sentiment":"neutral","sentiment_score":-0.021971552167087793},{"text":"So most of the investments have already sold down the cash.","start":84.6,"end":87.74,"sentiment":"neutral","sentiment_score":-0.05846323377706788},{"text":"All of your ETFs are currently sitting in cash.","start":88.04,"end":91.0,"sentiment":"neutral","sentiment_score":-0.02919302151227991},{"text":"There's about $68,002.04 5 in there.","start":91.0,"end":94.54,"sentiment":"neutral","sentiment_score":0.007495009223930538},{"text":"Now you did have some capital gains because you've super grown, so a little bit of that got trimmed off when they sold it down.","start":94.84,"end":102.354996,"sentiment":"neutral","sentiment_score":-0.016040309742093087}],"sentiment":"neutral","sentiment_score":-0.024214747291620053,"num_words":63,"start":80.255005,"end":102.354996},{"sentences":[{"text":"Yeah.","start":105.775,"end":106.095,"sentiment":"neutral","sentiment_score":-0.2542820870876312},{"text":"And then there's also 15,358 still sitting in two last options because their managed funds, they usually take an extra few days.","start":106.095,"end":114.915,"sentiment":"neutral","sentiment_score":-0.07893559089015154},{"text":"So Close enough.","start":118.04,"end":122.62,"sentiment":"neutral","sentiment_score":-0.06727967783808708},{"text":"So, basically, it hasn't rolled out to AustralianSuper.","start":122.68,"end":125.020004,"sentiment":"neutral","sentiment_score":-0.04923338908702135},{"text":"It's just pooling into cash for the time being.","start":125.240005,"end":128.575,"sentiment":"neutral","sentiment_score":0.0043752483195728725}],"sentiment":"neutral","sentiment_score":-0.05923706972105212,"num_words":43,"start":105.775,"end":128.575},{"sentences":[{"text":"Basically, total balance is $83.06 $0.03.","start":128.595,"end":131.895,"sentiment":"neutral","sentiment_score":0.00712311912017564},{"text":"The tax liability sitting there is 1,240.","start":132.675,"end":136.435,"sentiment":"neutral","sentiment_score":-0.1282112800649234},{"text":"That's kinda what's pending from the sales.","start":136.435,"end":138.615,"sentiment":"neutral","sentiment_score":-0.12285393902233668},{"text":"K.","start":140.61,"end":140.84999,"sentiment":"neutral","sentiment_score":-0.004154901020228863},{"text":"So nothing too major, just a little bit chopping out there.","start":140.84999,"end":144.23,"sentiment":"neutral","sentiment_score":-0.08035561510107735}],"sentiment":"neutral","sentiment_score":-0.0813370151881827,"num_words":32,"start":128.595,"end":144.23},{"sentences":[{"text":"Normally, it's not too big of an issue because, normally, when you're with, like, an Australian super or an industry fund, all of the capital gains type stuff is already baked into your unit price.","start":145.48999,"end":155.145,"sentiment":"neutral","sentiment_score":0.028361405857971738},{"text":"With Hub twenty four, because you've got all this sort of direct ownership of all these different ETFs, you've just got more transparency and control.","start":156.02501,"end":162.905,"sentiment":"neutral","sentiment_score":0.09977358490228654},{"text":"So it looks like you lose this much in capital gains tax, but it was all sitting there originally for the year after the growth anyway.","start":162.905,"end":171.005,"sentiment":"neutral","sentiment_score":-0.04457289009140088},{"text":"So it's not like an extra fee or anything like that.","start":171.44,"end":175.2,"sentiment":"neutral","sentiment_score":-0.10165626420216127},{"text":"It's just a realization of what happens under the hood.","start":175.2,"end":178.18,"sentiment":"neutral","sentiment_score":-0.039767394214868544}],"sentiment":"neutral","sentiment_score":0.007590662026516745,"num_words":107,"start":145.48999,"end":178.18},{"sentences":[{"text":"Cool.","start":180.72,"end":181.22,"sentiment":"neutral","sentiment_score":0.2091502547264099},{"text":"One of the things with the insurances that Michelle mentioned, to you, but that AIA policy, I know you kind of spoke to her briefly about it yesterday, but do you know if you're getting default insurances through AustralianSuper?","start":181.76,"end":195.265,"sentiment":"neutral","sentiment_score":0.023986438307194755},{"text":"Did they mention that we'll click on once the funds go there?","start":195.485,"end":198.625,"sentiment":"neutral","sentiment_score":0.005894239526242018},{"text":"Yeah.","start":203.41,"end":203.91,"sentiment":"neutral","sentiment_score":-0.04729624092578888},{"text":"Yeah.","start":212.225,"end":212.465,"sentiment":"neutral","sentiment_score":-0.03995050862431526}],"sentiment":"neutral","sentiment_score":0.02089084210132973,"num_words":54,"start":180.72,"end":212.465},{"sentences":[{"text":"All the way until, like, January 2027, twenty third of January.","start":212.465,"end":216.725,"sentiment":"neutral","sentiment_score":-0.01020473978397521},{"text":"Fair enough.","start":228.16,"end":228.8,"sentiment":"neutral","sentiment_score":-0.02478092908859253},{"text":"I understand.","start":228.8,"end":229.46,"sentiment":"neutral","sentiment_score":0.0014463867992162704},{"text":"Yeah.","start":238.655,"end":239.155,"sentiment":"neutral","sentiment_score":0.016139136627316475},{"text":"Yeah.","start":250.19,"end":250.69,"sentiment":"neutral","sentiment_score":-0.0102962888777256}],"sentiment":"neutral","sentiment_score":-0.009004610261934646,"num_words":17,"start":212.465,"end":250.69},{"sentences":[{"text":"Yeah.","start":278.7,"end":279.2,"sentiment":"neutral","sentiment_score":0.09252747893333436},{"text":"Yes.","start":299.71,"end":300.11,"sentiment":"neutral","sentiment_score":0.19466546177864075},{"text":"Yep.","start":300.11,"end":300.43,"sentiment":"neutral","sentiment_score":0.2144433706998825},{"text":"So that's what I wanted to talk to you about.","start":300.43,"end":302.03,"sentiment":"neutral","sentiment_score":0.20343237072229386},{"text":"So what I'll do is I'll go the risk of the capital gains, that's already been realized, so that's done and dusted.","start":302.03,"end":308.35498,"sentiment":"neutral","sentiment_score":0.1767755106768825}],"sentiment":"neutral","sentiment_score":0.1835720358150346,"num_words":35,"start":278.7,"end":308.35498},{"sentences":[{"text":"I'll go through the insurances and the super with you.","start":308.735,"end":311.055,"sentiment":"neutral","sentiment_score":0.20240434408187866},{"text":"So, usually, when you open up a new account, once a contribution hits or sometimes upon rollover, you automatically get life TBD and possibly income protection added to the account as a bit of a default unless something in the application not ticking a box, that kind of thing.","start":311.055,"end":330.76,"sentiment":"neutral","sentiment_score":-0.05446399961199079},{"text":"Because your AIA policy is paid for an enduring rollover, You can still update the payment details and during rollover form with AIA to come out of AustralianSuper.","start":331.06,"end":343.565,"sentiment":"neutral","sentiment_score":0.03555833621482764},{"text":"So most of the industry funds, they allow, I think, one rollover a year kind of thing.","start":346.58502,"end":351.97998,"sentiment":"neutral","sentiment_score":-0.03416490456198945},{"text":"Sometimes they're a bit restrictive on it.","start":351.97998,"end":353.91998,"sentiment":"neutral","sentiment_score":-0.18149137496948242}],"sentiment":"neutral","sentiment_score":-0.013516235391835909,"num_words":111,"start":308.735,"end":353.91998},{"sentences":[{"text":"A yearly insurance premium payment's usually still okay.","start":354.06,"end":357.19998,"sentiment":"neutral","sentiment_score":0.0464864547830075},{"text":"Your only issue is if you change insurances down the line, then they may not allow that second one.","start":357.41998,"end":363.595,"sentiment":"neutral","sentiment_score":-0.1361733137776977},{"text":"Like, it's the overlap's a bit painful, but you can absolutely update the details with AIA, and that can come out of that account.","start":363.595,"end":370.815,"sentiment":"neutral","sentiment_score":0.024179955789198477},{"text":"Yeah.","start":376.41,"end":376.81,"sentiment":"neutral","sentiment_score":0.13993410766124725},{"text":"And, usually, I think we can help with an enduring rollover form as well.","start":376.81,"end":380.91,"sentiment":"neutral","sentiment_score":0.22052422165870667}],"sentiment":"neutral","sentiment_score":0.024124103428965264,"num_words":66,"start":354.06,"end":380.91},{"sentences":[{"text":"So I don't mind if our staff kind of prefills it for you.","start":380.97,"end":384.16998,"sentiment":"neutral","sentiment_score":0.03967793476588737},{"text":"But the only problem is once your AustralianSuper is opened, we would then need, like, that member number so that we can actually fill that in unless you're comfortable doing it yourself either way.","start":384.16998,"end":394.995,"sentiment":"neutral","sentiment_score":-0.14168592695804202},{"text":"Yeah.","start":402.19,"end":402.35,"sentiment":"neutral","sentiment_score":0.0213075689971447},{"text":"If you've got that, I can I can note that down?","start":402.35,"end":404.27002,"sentiment":"neutral","sentiment_score":0.04253912717103958},{"text":"That's no worries.","start":404.27002,"end":405.17,"sentiment":"neutral","sentiment_score":0.0921320120493571}],"sentiment":"neutral","sentiment_score":-0.05703023162242325,"num_words":62,"start":380.97,"end":405.17},{"sentences":[{"text":"No.","start":424.38,"end":424.88,"sentiment":"neutral","sentiment_score":0.021794749423861504},{"text":"Fair enough, mate.","start":426.06,"end":426.94,"sentiment":"neutral","sentiment_score":0.06562745943665504},{"text":"It's on call.","start":426.94,"end":427.74,"sentiment":"neutral","sentiment_score":0.06471710776289304},{"text":"It's trying to load things up.","start":427.74,"end":429.18,"sentiment":"neutral","sentiment_score":0.07344989168147247},{"text":"It's just it still coming back from me for the weekend.","start":429.18,"end":432.72,"sentiment":"neutral","sentiment_score":0.06810923885892738}],"sentiment":"neutral","sentiment_score":0.06678039285664757,"num_words":24,"start":424.38,"end":432.72},{"sentences":[{"text":"Is it iPhone or Android?","start":433.82,"end":435.36002,"sentiment":"neutral","sentiment_score":0.01551948580890894},{"text":"Yeah.","start":437.595,"end":438.095,"sentiment":"neutral","sentiment_score":0.030179979279637337},{"text":"One zero double seven one eight one 477.","start":443.51498,"end":449.775,"sentiment":"neutral","sentiment_score":0.021609295275993645},{"text":"Perfect.","start":450.94,"end":451.44,"sentiment":"neutral","sentiment_score":0.0590103417634964},{"text":"So what I will do is I'll get the team to kind of prefill up some enduring rollover forms for you.","start":452.78,"end":459.28,"sentiment":"neutral","sentiment_score":0.12214265586364836}],"sentiment":"neutral","sentiment_score":0.08068494126200676,"num_words":36,"start":433.82,"end":459.28},{"sentences":[{"text":"Most of all the details should be the same.","start":460.62,"end":462.46,"sentiment":"neutral","sentiment_score":0.07160405276550187},{"text":"Like, obviously, if Australian Super have different addresses and things like that, that may be an issue.","start":462.46,"end":467.67502,"sentiment":"neutral","sentiment_score":-0.09260258823633194},{"text":"We'll double check what's on AIA itself.","start":467.815,"end":470.39502,"sentiment":"neutral","sentiment_score":0.03934023955038616},{"text":"Just make sure all that's up to date.","start":472.135,"end":473.99503,"sentiment":"positive","sentiment_score":0.3717075027525425},{"text":"The other couple of things I wanna go over with you as well.","start":474.695,"end":477.0,"sentiment":"neutral","sentiment_score":0.202771660227042}],"sentiment":"neutral","sentiment_score":0.09176418067956413,"num_words":54,"start":460.62,"end":477.0},{"sentences":[{"text":"So when it comes to the insurances, so we are still listed as advisers on the insurance policy.","start":477.24,"end":484.06,"sentiment":"neutral","sentiment_score":0.06819757322470348},{"text":"So what that basically means is that if you go to claim on the insurances, you can still call us, and we can help you through the claims process and also provide claims advice if you would still like to do that.","start":484.44,"end":498.025,"sentiment":"neutral","sentiment_score":0.2267765211207526},{"text":"Yeah.","start":509.94,"end":510.18,"sentiment":"neutral","sentiment_score":0.066367968916893},{"text":"Yeah.","start":510.18,"end":510.5,"sentiment":"neutral","sentiment_score":0.055820003151893616},{"text":"So when it comes to the insurances, because all insurers pay, like, the same 22% commissions to the advisers that have kind of linked to it.","start":510.5,"end":521.125,"sentiment":"neutral","sentiment_score":0.048173764935479715}],"sentiment":"neutral","sentiment_score":0.13780540983531286,"num_words":88,"start":477.24,"end":521.125},{"sentences":[{"text":"We're still linked there.","start":521.90497,"end":523.185,"sentiment":"neutral","sentiment_score":0.07204795815050602},{"text":"We get a bit of trailing commission for it.","start":523.185,"end":525.105,"sentiment":"neutral","sentiment_score":0.09799290572603543},{"text":"So if any point you want to update your details or even alter the insurances, we can still do insurance advice.","start":525.105,"end":531.285,"sentiment":"neutral","sentiment_score":0.028601087097610747},{"text":"Yeah.","start":551.025,"end":551.525,"sentiment":"neutral","sentiment_score":-0.2086741179227829},{"text":"Yeah.","start":561.6,"end":561.83997,"sentiment":"neutral","sentiment_score":-0.09365657716989516}],"sentiment":"neutral","sentiment_score":0.04078944772481918,"num_words":36,"start":521.90497,"end":561.83997},{"sentences":[{"text":"Right.","start":561.83997,"end":562.33997,"sentiment":"neutral","sentiment_score":-0.08174927532672882},{"text":"Gotcha.","start":574.575,"end":575.075,"sentiment":"neutral","sentiment_score":-0.022566553205251697},{"text":"Yeah.","start":588.03,"end":588.27,"sentiment":"neutral","sentiment_score":-0.18728461861610413},{"text":"It could be worth turning it down a little bit.","start":588.27,"end":590.61,"sentiment":"negative","sentiment_score":-0.44424610733985903},{"text":"Debts have been paid down a bit.","start":590.75,"end":592.53,"sentiment":"neutral","sentiment_score":-0.21966571041515895}],"sentiment":"neutral","sentiment_score":-0.3135860746726394,"num_words":20,"start":561.83997,"end":592.53},{"sentences":[{"text":"All kinds of things.","start":592.59,"end":593.73,"sentiment":"neutral","sentiment_score":-0.10302741453051567},{"text":"Yeah.","start":611.68,"end":611.92,"sentiment":"neutral","sentiment_score":-0.0032362788915634155},{"text":"I get you.","start":611.92,"end":612.82,"sentiment":"neutral","sentiment_score":-0.00005069871743520101},{"text":"Awesome.","start":619.135,"end":619.53503,"sentiment":"positive","sentiment_score":0.6189448237419128},{"text":"And I did see a couple notes there from Michelle that, obviously, going to AustralianSuper, you're trying to get some, like, lower fees, simplify things a little bit, and possibly go towards, like, self managed super fund down the line, property, that kind of thing.","start":619.53503,"end":632.04,"sentiment":"neutral","sentiment_score":0.2421981675757302}],"sentiment":"neutral","sentiment_score":0.205599339471923,"num_words":54,"start":592.59,"end":632.04},{"sentences":[{"text":"Gotcha.","start":655.015,"end":655.515,"sentiment":"neutral","sentiment_score":0.0727522224187851},{"text":"Okay.","start":666.15,"end":666.65,"sentiment":"neutral","sentiment_score":0.22169722616672516},{"text":"Cool.","start":666.87,"end":667.37,"sentiment":"neutral","sentiment_score":0.07548415660858154},{"text":"Yeah.","start":672.965,"end":673.36505,"sentiment":"neutral","sentiment_score":0.07967294752597809},{"text":"Yep.","start":673.36505,"end":673.60504,"sentiment":"neutral","sentiment_score":0.10111614316701888}],"sentiment":"neutral","sentiment_score":0.11014453917741776,"num_words":5,"start":655.015,"end":673.60504},{"sentences":[{"text":"And just get that revolving through and just have a bit more involvement in what you're invested in.","start":673.60504,"end":677.625,"sentiment":"neutral","sentiment_score":0.12949389343460402},{"text":"Yeah.","start":687.54,"end":688.04,"sentiment":"neutral","sentiment_score":0.08500950038433075},{"text":"Yeah.","start":698.035,"end":698.355,"sentiment":"neutral","sentiment_score":0.1813378632068634},{"text":"Okay.","start":698.355,"end":698.595,"sentiment":"neutral","sentiment_score":0.14639681577682495},{"text":"So you're not trying to go down the route of borrowing to get investment properties and all that crazy stuff.","start":698.595,"end":703.095,"sentiment":"neutral","sentiment_score":-0.006481915339827537}],"sentiment":"neutral","sentiment_score":0.06375599888766684,"num_words":41,"start":673.60504,"end":703.095},{"sentences":[{"text":"Yeah.","start":711.09,"end":711.59,"sentiment":"neutral","sentiment_score":-0.00453723780810833},{"text":"Yeah.","start":711.81,"end":712.31,"sentiment":"neutral","sentiment_score":-0.010113406926393507},{"text":"Yeah.","start":718.465,"end":718.705,"sentiment":"neutral","sentiment_score":0.1830953061580658},{"text":"Awesome.","start":718.705,"end":719.185,"sentiment":"positive","sentiment_score":0.4769396185874939},{"text":"Awesome.","start":719.185,"end":719.66504,"sentiment":"positive","sentiment_score":0.4231526255607605}],"sentiment":"neutral","sentiment_score":0.21370738111436366,"num_words":5,"start":711.09,"end":719.66504},{"sentences":[{"text":"So the when it comes to, like, the self managed side of things, I know a lot of those funds have, like, a a self select menu that gives you a little bit extra where you can possibly pick some stocks and ETFs and things like that.","start":719.66504,"end":733.78,"sentiment":"neutral","sentiment_score":0.17100895402279306},{"text":"Obviously, if you go the full self managed super fund route, I don't know if you know the process there, but setting up the entities, the companies, the bank accounts is a bit of a process to get that.","start":733.84,"end":744.015,"sentiment":"neutral","sentiment_score":0.027240672029363804},{"text":"Yeah.","start":752.09503,"end":752.59503,"sentiment":"neutral","sentiment_score":-0.09024027734994888},{"text":"Yeah.","start":759.31006,"end":759.81006,"sentiment":"neutral","sentiment_score":0.03202613443136215},{"text":"Yes.","start":767.39,"end":767.89,"sentiment":"neutral","sentiment_score":0.01499804388731718}],"sentiment":"neutral","sentiment_score":0.10175944886724936,"num_words":89,"start":719.66504,"end":767.89},{"sentences":[{"text":"Yeah.","start":772.045,"end":772.545,"sentiment":"neutral","sentiment_score":0.037307314574718475},{"text":"Yeah.","start":794.875,"end":795.375,"sentiment":"neutral","sentiment_score":0.2655370235443115},{"text":"Yeah.","start":825.865,"end":826.185,"sentiment":"neutral","sentiment_score":0.0557459332048893},{"text":"Gotcha.","start":826.185,"end":826.685,"sentiment":"neutral","sentiment_score":0.0039013028144836426},{"text":"Yeah.","start":827.065,"end":827.305,"sentiment":"neutral","sentiment_score":-0.03991860896348953}],"sentiment":"neutral","sentiment_score":0.06451459303498268,"num_words":5,"start":772.045,"end":827.305},{"sentences":[{"text":"You've just got your head screwed on straight there.","start":827.305,"end":829.46497,"sentiment":"negative","sentiment_score":-0.39566967056857216},{"text":"Can I ask you a question?","start":829.46497,"end":830.685,"sentiment":"neutral","sentiment_score":-0.0485977561523517},{"text":"When it comes to like, obviously, advisors looking after your super account, so we're obviously pretty sad to see your request to go because we were trying to catch up for a review towards sort of Christmas time.","start":830.87,"end":841.50995,"sentiment":"negative","sentiment_score":-0.3520194882232892},{"text":"And then I know I think we got missed there.","start":841.50995,"end":843.925,"sentiment":"neutral","sentiment_score":-0.16678099632263182},{"text":"And then all of a sudden, we changed systems, and by the time it came around, there was the email kinda sitting there.","start":843.925,"end":850.26495,"sentiment":"neutral","sentiment_score":-0.10618360194823016}],"sentiment":"neutral","sentiment_score":-0.2481324061924635,"num_words":86,"start":827.305,"end":850.26495},{"sentences":[{"text":"But, obviously, we do a lot of managing investments, picking and choosing investments for clients, that kind of thing.","start":850.40497,"end":856.98,"sentiment":"neutral","sentiment_score":0.03454692916650521},{"text":"Is it more so just trying to have a bit more, like, direct control over it?","start":857.06,"end":860.5,"sentiment":"neutral","sentiment_score":0.12324796942993999},{"text":"So, you know, you can obviously lower the fees, have the member direct pick the stocks yourself.","start":860.5,"end":865.32,"sentiment":"neutral","sentiment_score":0.2630709996994804},{"text":"Like, what what do you find about that process?","start":865.54,"end":868.83997,"sentiment":"neutral","sentiment_score":0.04651579550570912},{"text":"Yes.","start":877.295,"end":877.795,"sentiment":"neutral","sentiment_score":0.08306308090686798}],"sentiment":"neutral","sentiment_score":0.12261728065148476,"num_words":62,"start":850.40497,"end":877.795},{"sentences":[{"text":"Gotcha.","start":896.205,"end":896.705,"sentiment":"neutral","sentiment_score":0.3191787600517273},{"text":"Yeah.","start":915.42004,"end":915.92004,"sentiment":"positive","sentiment_score":0.3891693949699402},{"text":"Yeah.","start":917.34,"end":917.84,"sentiment":"neutral","sentiment_score":0.14945387840270996},{"text":"K.","start":925.715,"end":926.215,"sentiment":"negative","sentiment_score":-0.35060709714889526},{"text":"Yeah.","start":927.235,"end":927.735,"sentiment":"neutral","sentiment_score":-0.10816188901662828}],"sentiment":"neutral","sentiment_score":0.07980660945177079,"num_words":5,"start":896.205,"end":927.735},{"sentences":[{"text":"Yeah.","start":937.73004,"end":938.13,"sentiment":"neutral","sentiment_score":-0.03461560234427452},{"text":"All these moving parts that you can't really sort of see or know what's going on with your money.","start":938.13,"end":943.67004,"sentiment":"neutral","sentiment_score":-0.12125992520075095},{"text":"Yeah.","start":953.055,"end":953.555,"sentiment":"neutral","sentiment_score":-0.09922154247760771},{"text":"Yeah.","start":961.47003,"end":961.97003,"sentiment":"neutral","sentiment_score":-0.08103784173727036},{"text":"Yep.","start":978.445,"end":978.945,"sentiment":"neutral","sentiment_score":-0.02531268820166588}],"sentiment":"neutral","sentiment_score":-0.11061418493804724,"num_words":23,"start":937.73004,"end":978.945},{"sentences":[{"text":"I think that's really cool that you've actually gone to that depth of not just checking some fees and rolling to any old fund because it says the new in the news, they're the top 10, but actually finding something that has the investment structure that you want.","start":979.005,"end":990.81,"sentiment":"positive","sentiment_score":0.45926199356714886},{"text":"Direct shares, members direct.","start":990.87,"end":992.71,"sentiment":"neutral","sentiment_score":0.07827316783368587},{"text":"It's a cool thing to do.","start":992.71,"end":993.75,"sentiment":"positive","sentiment_score":0.37460999687512714},{"text":"Not many people do.","start":993.75,"end":994.97,"sentiment":"neutral","sentiment_score":0.012859705835580826},{"text":"Yeah.","start":1017.94,"end":1018.44,"sentiment":"neutral","sentiment_score":0.06235964223742485}],"sentiment":"positive","sentiment_score":0.39236709221251426,"num_words":63,"start":979.005,"end":1018.44},{"sentences":[{"text":"100.","start":1019.38,"end":1020.10004,"sentiment":"neutral","sentiment_score":0.05465540662407875},{"text":"So I guess the the last thing I wanna sort of say is that what would have happened had you remained in Hub twenty four and a and a client of Oakview, just so you can sort of see it in your mind, is we go through the annual review in the first quarter of the year.","start":1020.10004,"end":1033.655,"sentiment":"neutral","sentiment_score":0.06756046267324373},{"text":"We have Dana who would have been sort of your, I guess, direct adviser throughout the year looking after it.","start":1034.355,"end":1040.57,"sentiment":"neutral","sentiment_score":0.10790723152458667},{"text":"She would have gone through your performance.","start":1040.57,"end":1042.19,"sentiment":"neutral","sentiment_score":0.11595181907926287},{"text":"Yep.","start":1042.33,"end":1042.57,"sentiment":"neutral","sentiment_score":0.22272267937660217}],"sentiment":"neutral","sentiment_score":0.0825364165397924,"num_words":86,"start":1019.38,"end":1042.57},{"sentences":[{"text":"It's great.","start":1042.57,"end":1043.05,"sentiment":"positive","sentiment_score":0.5031636655330658},{"text":"It's up 13%.","start":1043.05,"end":1044.8099,"sentiment":"positive","sentiment_score":0.35700492064158124},{"text":"This option's up 30.","start":1044.8099,"end":1046.01,"sentiment":"neutral","sentiment_score":0.18985110521316528},{"text":"This one's up 50.","start":1046.01,"end":1047.23,"sentiment":"neutral","sentiment_score":0.16993576660752296},{"text":"One of them's underperformed, so let's just chop this option and switch it to that one and just boost things up a little bit, and that's probably the conversation that you were gonna have.","start":1047.37,"end":1056.3251,"sentiment":"neutral","sentiment_score":0.13020163128042922}],"sentiment":"neutral","sentiment_score":0.16900734135762174,"num_words":47,"start":1042.57,"end":1056.3251},{"sentences":[{"text":"Yeah.","start":1066.16,"end":1066.66,"sentiment":"neutral","sentiment_score":0.09405316412448884},{"text":"Yeah.","start":1077.615,"end":1078.115,"sentiment":"neutral","sentiment_score":0.05891324207186699},{"text":"Yeah.","start":1096.35,"end":1096.6699,"sentiment":"neutral","sentiment_score":-0.0304194837808609},{"text":"It's a bit of a timing position, isn't it, to line up an appointment and then go through a second or third chat to understand it?","start":1096.6699,"end":1104.515,"sentiment":"neutral","sentiment_score":-0.022284355408583697},{"text":"Yeah.","start":1115.95,"end":1116.45,"sentiment":"neutral","sentiment_score":-0.22904609143733975}],"sentiment":"neutral","sentiment_score":-0.0228630803215007,"num_words":30,"start":1066.16,"end":1116.45},{"sentences":[{"text":"Hey.","start":1129.5651,"end":1129.805,"sentiment":"neutral","sentiment_score":-0.2771525979042053},{"text":"I don't even answer my phone number.","start":1129.805,"end":1131.485,"sentiment":"negative","sentiment_score":-0.3586300866944449},{"text":"Someone leaves a voice mail or calls twice, so no one does these days.","start":1131.485,"end":1135.345,"sentiment":"negative","sentiment_score":-0.36491186703954426},{"text":"Yeah.","start":1146.86,"end":1147.36,"sentiment":"neutral","sentiment_score":-0.11209837347269058},{"text":"Yeah.","start":1162.0751,"end":1162.395,"sentiment":"neutral","sentiment_score":-0.008073609322309494}],"sentiment":"negative","sentiment_score":-0.3340208885880808,"num_words":24,"start":1129.5651,"end":1162.395},{"sentences":[{"text":"Absolutely.","start":1162.395,"end":1162.895,"sentiment":"neutral","sentiment_score":0.08457773923873901},{"text":"No.","start":1167.51,"end":1167.75,"sentiment":"neutral","sentiment_score":0.1596042811870575},{"text":"That's awesome, Ricky.","start":1167.75,"end":1168.55,"sentiment":"positive","sentiment_score":0.4127876857916514},{"text":"Look, I do appreciate your your transparency and and your candidness.","start":1168.55,"end":1172.01,"sentiment":"positive","sentiment_score":0.4840771664272655},{"text":"Last couple of things to just be aware of is just make sure you sort out your beneficiaries with AustralianSuper.","start":1173.1101,"end":1177.6901,"sentiment":"neutral","sentiment_score":0.003834630874916911}],"sentiment":"neutral","sentiment_score":0.1912246257221947,"num_words":36,"start":1162.395,"end":1177.6901},{"sentences":[{"text":"You're obviously sorting out the investments.","start":1178.595,"end":1180.695,"sentiment":"neutral","sentiment_score":0.04614274917791287},{"text":"We'll sort out the enduring rollover for your insurances.","start":1181.075,"end":1183.655,"sentiment":"neutral","sentiment_score":0.06546474289562967},{"text":"Everything's looking pretty good there.","start":1183.875,"end":1185.655,"sentiment":"positive","sentiment_score":0.5353352069854737},{"text":"And you should be pretty well okay.","start":1186.515,"end":1188.2949,"sentiment":"positive","sentiment_score":0.5423910745552608},{"text":"No worries at all, mate.","start":1191.33,"end":1192.21,"sentiment":"neutral","sentiment_score":0.1626896768808365}],"sentiment":"neutral","sentiment_score":0.25477816007332876,"num_words":32,"start":1178.595,"end":1192.21},{"sentences":[{"text":"If you ever do need anything, give us a buzz.","start":1192.21,"end":1194.15,"sentiment":"neutral","sentiment_score":0.05916265621781349},{"text":"We'll obviously, all of our contact numbers will still be through like, you've got our details, website, and then obviously through AIA as well if you ever forget who we are kind of thing.","start":1195.41,"end":1205.19,"sentiment":"neutral","sentiment_score":0.05598741923184956},{"text":"But, again, let's say, new year, next year, you wanna do a bit of a trim down of those insurances.","start":1206.705,"end":1211.905,"sentiment":"neutral","sentiment_score":0.03386175753548741},{"text":"Just give us a buzz, and we can do some alterations together.","start":1211.905,"end":1214.565,"sentiment":"neutral","sentiment_score":0.07771036960184574},{"text":"Yeah.","start":1220.88,"end":1221.38,"sentiment":"neutral","sentiment_score":0.025071773678064343}],"sentiment":"neutral","sentiment_score":0.053636755528194566,"num_words":77,"start":1192.21,"end":1221.38},{"sentences":[{"text":"Yeah.","start":1246.11,"end":1246.35,"sentiment":"neutral","sentiment_score":0.032024968415498734},{"text":"I might do that.","start":1246.35,"end":1247.15,"sentiment":"neutral","sentiment_score":0.031918883323669434},{"text":"Like, I think as part of our account closure process, we'll send an email anyway, and I might include that enduring rollover form with it.","start":1247.15,"end":1254.495,"sentiment":"neutral","sentiment_score":0.058788572549819944},{"text":"So that way, you've got a a written record that way.","start":1254.575,"end":1257.295,"sentiment":"neutral","sentiment_score":0.10773822123354132},{"text":"So I'll just get Michelle to add a couple of things to that if that's alright.","start":1257.295,"end":1260.4349,"sentiment":"neutral","sentiment_score":0.12907801708206534}],"sentiment":"neutral","sentiment_score":0.0856102372339943,"num_words":57,"start":1246.11,"end":1260.4349},{"sentences":[{"text":"Easy done.","start":1264.015,"end":1264.495,"sentiment":"positive","sentiment_score":0.5141229033470154},{"text":"Do you have any more questions for me before I let you go?","start":1264.495,"end":1266.99,"sentiment":"neutral","sentiment_score":0.07686714684733978},{"text":"Awesome.","start":1276.67,"end":1277.07,"sentiment":"positive","sentiment_score":0.633808970451355},{"text":"I think.","start":1277.07,"end":1277.65,"sentiment":"positive","sentiment_score":0.36080190539360046},{"text":"No worries at all, mate.","start":1277.79,"end":1278.67,"sentiment":"neutral","sentiment_score":0.2815549820661545}],"sentiment":"neutral","sentiment_score":0.20829158292516417,"num_words":23,"start":1264.015,"end":1278.67},{"sentences":[{"text":"Well, thank you so much for your time.","start":1278.67,"end":1280.145,"sentiment":"positive","sentiment_score":0.6963619068264961},{"text":"All the best with the shares and everything, and thank you again.","start":1280.7051,"end":1284.3251,"sentiment":"positive","sentiment_score":0.6212609012921652},{"text":"Maybe done.","start":1287.5029,"end":1288.2229,"sentiment":"positive","sentiment_score":0.36928217113018036},{"text":"I need anything.","start":1288.2229,"end":1289.263,"sentiment":"neutral","sentiment_score":0.1385914757847786},{"text":"Give it to Buzz.","start":1289.263,"end":1290.2429,"sentiment":"neutral","sentiment_score":0.2736866623163223}],"sentiment":"positive","sentiment_score":0.5267279823792392,"num_words":29,"start":1278.67,"end":1290.2429},{"sentences":[{"text":"Alright.","start":1292.783,"end":1293.023,"sentiment":"positive","sentiment_score":0.3724905252456665},{"text":"See you later.","start":1293.023,"end":1293.663,"sentiment":"positive","sentiment_score":0.4244367778301239},{"text":"Bye.","start":1293.663,"end":1294.163,"sentiment":"neutral","sentiment_score":0.22781631350517273}],"sentiment":"positive","sentiment_score":0.3747234344482422,"num_words":5,"start":1292.783,"end":1294.163}]}}]},{"alternatives":[{"transcript":"Hey, dude. Yeah. Yeah. Well, the undies. That's alright. That's the part for a Frank Cole Aragon. Yeah. Yeah. We don't have to video calls. Yeah. Yeah. That is so good, man. Mhmm. Yes. Yes. Yep. So address is 7 Brooklyn Greens Boulevard, Cranbrook, and date of birth is 1993. Yep. Yep. Mhmm. Yes. Yep. Yep. Yeah. Beautiful. Yeah. Yeah. Yep. Yeah. Okay. Yes. I've lost a fair bit. Yep. Yeah. Okay. Yep. Yep. Yeah. So I've already pretty much pulled the trigger on it. I don't know. Yep. Yep. Yep. Okay. Yep. Mhmm. Yep. Okay. Yep. Yep. Yep. Yes. Yeah. Okay. Yep. Yep. Yep. Yep. Well, that's that's the sort of stuff that I think I wanted to chat to you about. Is there any way I can keep that? Because I've already paid that out for the the whole period of time, haven't I, for until we have to renew it. So it's already paid at once. Yeah. Yeah. I I'm like this is where I gotta try and figure out in the process how I can sort of keep that. You know what I mean? I I probably shouldn't have pulled the trigger the way I did. I I sorta I I literally just started, like, going through and and and then it got to a point. I was like, oh, yeah. Okay. Why not? And then I thought about this stuff after. I thought about the the the shares and capital gains, and I thought about the to be honest, I didn't even think about the insurance. That was something that Michelle brought up to me. So I I I I straight away was like, yeah. Okay. I've made a mistake there. So I I kind of expected what like, if everything went through, I did see I got an email saying that, you know, there was a lot of transactions that happened. And I was like, okay. I think I know what's happened. I think because it doesn't look like I couldn't quite see in the email if it had been a a sale or something like that. It just says units moved. So I I I was like, yeah. I I've got a pretty good idea what's happened there. So, yeah, so I I'm sort of wondering if I can keep the other stuff I'll keep moving with the other stuff. I I sorta have to now. I've already done it. But the insurance, is there any way to save that? Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Mhmm. Yep. Okay. Yep. Yeah. Yeah. Okay. Yep. Oh, beautiful. Okay. So I can contact them a I a. Yeah. Yep. Yep. Yep. No. I can do that. Yeah. Yeah. Yeah. I've I've got that with me. Hang on. Do you want it now? Yeah. Beautiful. Yep. Yep. He finds doing a lot of thinking. Yeah. Yeah. It's I thought it was smarter than that. So Android. Android. Yeah. It the member number is 1077 mhmm. 181477. Yep. Yeah. Yep. Yeah. Beautiful. Yep. Yep. Yes. Yep. Yes. Yep. Yeah. That's right. Yeah. So because I've still paid up to, like, a year's worth of this, haven't I? So I can still speak to you guys and contact you for stuff like this. Yep. Yep. Yeah. Yep. Yep. Yeah. Okay. Yeah. I I think I I think that's sort of what I'm leading away from. I've sort of I've I've sorta overstretched my words, like, my my finances, my my over overhead sort of thing. You know? So and I'd I'll say like what I was saying to Michelle, it's sort of what I've done. It's I've it's like you guys have a product, and I've kind of bought the wrong product. You know what I mean? Like, I'm sorta yeah. Yeah. I just find that, like, I'm not really in a situation where I can get much out of financial advice and out of the overheads that I'm paying for. You know what I mean? And and even the insurance, I think next time I might even sort of review that. I did it so that it would cover the whole house as a whole. I I haven't really factored in what I paid off and what I've you know what I mean? So I've I've yeah. A 100 percent. Yep. Yeah. So, you know, like, think things change, and I I think the main thing is, like, I've I've I've had to just spend a bit more time to try and put my head in it and just try and figure out what what I'm doing. You know what I mean? I've I've sort of made made some decisions on the the past me. You know what I mean? And now now I'm sort of like, ah, okay. I'll see now what I'm what I might be doing wrong. So yep. Yes. Yeah. Yep. Yep. Yep. Yeah. Yeah. Well, I think self managed super fund, that's that's so I I can select something that I I I know investment in, but I've I've had a little bit of experience with investment in. I I I know my banks and stuff. Not like not like a guru or anything like that, but I know that's where I wouldn't mind being able to have a go and stay. And I wouldn't mind dividend reinvest. So and and have go down that path and and not really have to look at it, if you know what I mean? So yeah. Yeah. That's right. Yeah. Yeah. And you know what? Like, if it doesn't really work out to be all that beneficial, it's sort of it's the mistake I need to make to learn. You know what I mean? So but I I've I've had a lot of success with it just through myself, you know, and and I thought that would be a good option, you know, especially in the long term. No. No. No. I wouldn't do that. No. I I think as it is right now, I think borrowing is for my own residence until I've paid it off. And then I'll I'll I'm trying to sort of keep myself as far out of debt as possible. So I don't I don't run any other loans. Yes. Yeah. I think what what what I couldn't really explain very well to Michelle was what I'm doing isn't quite self managed super fund. Because I know self managed super fund, the the fees that are involved in that, I wouldn't be able to like, I can't really justify doing. So I I what I wanted to do, they've the the reason I chose this place is because of members direct, which is probably something similar to what Hub twenty four has got, but it's the fees, I think, that are different. So that's where I'm why I sort of made this choice because I can I can choose anything that's in the ASX and I can which which includes the banks and stuff? And I can still and the fees are I think it was point 5% or something. Like, it was quite small, like, in total. So it was that's sort of what sparked my thing. You know? And the and the reason for going down the path of bank shares and choosing my own is also along the lines of not having to ever look at it, you know, not ever having to have things move or change or do do anything. And and good having it, dividend reinvest also means that, like, there's no money involved until it's sold, if you know what I mean. Yeah. Yep. Yeah. Yep. Yeah. Yeah. Mhmm. I think I I think I'm going more for a nothing move and leave it alone kind of approach, if you know what I mean. Like, it's it's it's more of a, you know, the the tortoise race, if you know what I mean. Like, just trying to go for the the I don't I don't have to have anything moved. I don't have to worry about it. It sits there, and it does its own thing. And I I know what it's doing. You know what I mean? And I and I do follow the banks quite like well, when I say quite closely, I I just it it's just what I have interest in watching, if you know what I mean. Like, I do I do like seeing that. So I think it's also a little bit of a feel good in myself as well, like, knowing that I've I've done that as well. You know? I I I think I get a little bit lost in the whole, like, seeing transactions and not even know like, when I look at it, I'm not even knowing if they're going in and out. I'm not really paying that much of attention. So I think I get a little bit like maybe even like a would you say just overwhelmed just knowing that that's happening or seeing that that's happened? You know what I mean? I think it's just a personal thing. Yeah. Yeah. Yeah. Things that are mine that are out of my control. Yeah. Yeah. Yeah. Yeah. So you can probably see where my head's at with it. Like, I'm sort of not it's it's it's nothing to do with, like, you know, not performing or not you know what I mean? I think I'm paying a lot of fees for something I don't really want, if you know what I mean. So that's that's where I'm sort of at. I wanted to sorta I've I've done a bit of a shop around to see what was one of the cheapest admin, cheapest fees, and that that have that option for me to be able to do that. So yep. Yeah. Yeah. Well, you know yeah. A 100%, man. And and and to be honest, it's it's probably been a lot more step in headspace and control, I think. Like, it's not it's not really a yeah. You know what I mean? But it it sort of it it helps me organize something for myself. You know? So it it it's a lot more on a personal level than it is on a a business level, if you know what I mean. Yep. Yep. Yeah. Yep. Yep. Yeah. Yep. Yep. Yeah. And that's fine. Like, that's see, I like that in a way, and then in another way, it doesn't quite suit me as well. That that that approach, like, it's nice to have someone like, I've always loved the interaction that I've had, but I think the biggest thing for me is putting the time aside to do it and then trying to think about it as well. You know? Like, I think it it it adds to my plate. So I think this year has been a real big, like, for me. I'm trying to take things off my plate. So that's that that's where that you know? As as good as that is, it's it's also a bit of a, like it's it's adding, if you know what I mean. It's it's adding to my plate. So and yeah. Yeah. Yeah. Yep. Yep. And I you know? Yeah. A 100%. Like, I I feel terrible when I'm playing this cat and mouse game trying to, like, call you guys back, and and it's not just you either. I got a 100 other things that I'm trying to organize at the same time that I'm doing exactly the same thing too, man. And and not only that, I reckon a good bet maybe 40 to 60% of the bloody calls that I'm getting that are important come up as phishing or spam. So, like, I've I've been having a bit of oh, it's like that, man. Yeah. Yeah. So and it's also like, you know, and it it really sort of puts me off being at like, having to drop everything I do to take that call. So I think it's yeah. Yeah. And, like, nothing wrong. Like like, the way you guys organize it, it's not like you just call out of the blue. Like, there is warning beforehand, but then there's like, retaining that information that I'm gonna get a call is also a problem. So yeah, as you just found today, you caught me in the shower. So yep. Yep. Yep. Beautiful. Yep. Awesome, man, and I appreciate that. Yeah. Yeah. Yep. Yep. Oh, that'd be fantastic, man. I really appreciate that. Do you mind doing me a favor? Are you able to just shoot me with, like, an email so I've got something to sort of refer back to? Just just an email with your details or something so that I've I can call back and know who I'm calling, you know, like, I'll remember that I've I've got someone to call, but I just won't remember. Yeah. I mean, I'll have to go back and try and find it in my emails. So if if you email me something, I'll have something to refer to. You know what I mean? Yep. Yeah. Yeah. Legend, man. That's exactly what I need. Thank you. No. I think that's it. Yeah. I think the insurance and where I'm at with yeah. Yeah. No. With with the cash and stuff. So no. That's perfect, man. I appreciate that. Yeah. Yeah. Thanks, dude. I appreciate that, man. Awesome. Alright. Legend, man. Awesome. Thanks for that, dude. Yeah. 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Yeah. Yeah. Well, the undies. That's alright.\n\nThat's the part for a Frank Cole Aragon. Yeah. Yeah. We don't have to video calls. Yeah.\n\nYeah. That is so good, man. Mhmm. Yes. Yes.\n\nYep. So address is 7 Brooklyn Greens Boulevard, Cranbrook, and date of birth is 1993. Yep. Yep. Mhmm.\n\nYes. Yep. Yep. Yeah. Beautiful.\n\nYeah. Yeah. Yep. Yeah. Okay.\n\nYes. I've lost a fair bit. Yep. Yeah. Okay.\n\nYep. Yep. Yeah. So I've already pretty much pulled the trigger on it. I don't know.\n\nYep. Yep. Yep. Okay. Yep.\n\nMhmm. Yep. Okay. Yep. Yep.\n\nYep. Yes. Yeah. Okay. Yep.\n\nYep. Yep. Yep. Well, that's that's the sort of stuff that I think I wanted to chat to you about. Is there any way I can keep that?\n\nBecause I've already paid that out for the the whole period of time, haven't I, for until we have to renew it. So it's already paid at once. Yeah. Yeah. I I'm like this is where I gotta try and figure out in the process how I can sort of keep that.\n\nYou know what I mean? I I probably shouldn't have pulled the trigger the way I did. I I sorta I I literally just started, like, going through and and and then it got to a point. I was like, oh, yeah. Okay.\n\nWhy not? And then I thought about this stuff after. I thought about the the the shares and capital gains, and I thought about the to be honest, I didn't even think about the insurance. That was something that Michelle brought up to me. So I I I I straight away was like, yeah.\n\nOkay. I've made a mistake there. So I I kind of expected what like, if everything went through, I did see I got an email saying that, you know, there was a lot of transactions that happened. And I was like, okay. I think I know what's happened.\n\nI think because it doesn't look like I couldn't quite see in the email if it had been a a sale or something like that. It just says units moved. So I I I was like, yeah. I I've got a pretty good idea what's happened there. So, yeah, so I I'm sort of wondering if I can keep the other stuff I'll keep moving with the other stuff.\n\nI I sorta have to now. I've already done it. But the insurance, is there any way to save that? Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nOkay. Yep. Yeah. Yeah. Okay.\n\nYep. Oh, beautiful. Okay. So I can contact them a I a. Yeah.\n\nYep. Yep. Yep. No. I can do that.\n\nYeah. Yeah. Yeah. I've I've got that with me. Hang on.\n\nDo you want it now? Yeah. Beautiful. Yep. Yep.\n\nHe finds doing a lot of thinking. Yeah. Yeah. It's I thought it was smarter than that. So Android.\n\nAndroid. Yeah. It the member number is 1077 mhmm. 181477. Yep.\n\nYeah. Yep. Yeah. Beautiful. Yep.\n\nYep. Yes. Yep. Yes. Yep.\n\nYeah. That's right. Yeah. So because I've still paid up to, like, a year's worth of this, haven't I? So I can still speak to you guys and contact you for stuff like this.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYeah. Okay. Yeah. I I think I I think that's sort of what I'm leading away from. I've sort of I've I've sorta overstretched my words, like, my my finances, my my over overhead sort of thing.\n\nYou know? So and I'd I'll say like what I was saying to Michelle, it's sort of what I've done. It's I've it's like you guys have a product, and I've kind of bought the wrong product. You know what I mean? Like, I'm sorta yeah.\n\nYeah. I just find that, like, I'm not really in a situation where I can get much out of financial advice and out of the overheads that I'm paying for. You know what I mean? And and even the insurance, I think next time I might even sort of review that. I did it so that it would cover the whole house as a whole.\n\nI I haven't really factored in what I paid off and what I've you know what I mean? So I've I've yeah. A 100 percent. Yep. Yeah.\n\nSo, you know, like, think things change, and I I think the main thing is, like, I've I've I've had to just spend a bit more time to try and put my head in it and just try and figure out what what I'm doing. You know what I mean? I've I've sort of made made some decisions on the the past me. You know what I mean? And now now I'm sort of like, ah, okay.\n\nI'll see now what I'm what I might be doing wrong. So yep. Yes. Yeah. Yep.\n\nYep. Yep. Yeah. Yeah. Well, I think self managed super fund, that's that's so I I can select something that I I I know investment in, but I've I've had a little bit of experience with investment in.\n\nI I I know my banks and stuff. Not like not like a guru or anything like that, but I know that's where I wouldn't mind being able to have a go and stay. And I wouldn't mind dividend reinvest. So and and have go down that path and and not really have to look at it, if you know what I mean? So yeah.\n\nYeah. That's right. Yeah. Yeah. And you know what?\n\nLike, if it doesn't really work out to be all that beneficial, it's sort of it's the mistake I need to make to learn. You know what I mean? So but I I've I've had a lot of success with it just through myself, you know, and and I thought that would be a good option, you know, especially in the long term. No. No.\n\nNo. I wouldn't do that. No. I I think as it is right now, I think borrowing is for my own residence until I've paid it off. And then I'll I'll I'm trying to sort of keep myself as far out of debt as possible.\n\nSo I don't I don't run any other loans. Yes. Yeah. I think what what what I couldn't really explain very well to Michelle was what I'm doing isn't quite self managed super fund. Because I know self managed super fund, the the fees that are involved in that, I wouldn't be able to like, I can't really justify doing.\n\nSo I I what I wanted to do, they've the the reason I chose this place is because of members direct, which is probably something similar to what Hub twenty four has got, but it's the fees, I think, that are different. So that's where I'm why I sort of made this choice because I can I can choose anything that's in the ASX and I can which which includes the banks and stuff? And I can still and the fees are I think it was point 5% or something. Like, it was quite small, like, in total. So it was that's sort of what sparked my thing.\n\nYou know? And the and the reason for going down the path of bank shares and choosing my own is also along the lines of not having to ever look at it, you know, not ever having to have things move or change or do do anything. And and good having it, dividend reinvest also means that, like, there's no money involved until it's sold, if you know what I mean. Yeah. Yep.\n\nYeah. Yep. Yeah. Yeah. Mhmm.\n\nI think I I think I'm going more for a nothing move and leave it alone kind of approach, if you know what I mean. Like, it's it's it's more of a, you know, the the tortoise race, if you know what I mean. Like, just trying to go for the the I don't I don't have to have anything moved. I don't have to worry about it. It sits there, and it does its own thing.\n\nAnd I I know what it's doing. You know what I mean? And I and I do follow the banks quite like well, when I say quite closely, I I just it it's just what I have interest in watching, if you know what I mean. Like, I do I do like seeing that. So I think it's also a little bit of a feel good in myself as well, like, knowing that I've I've done that as well.\n\nYou know? I I I think I get a little bit lost in the whole, like, seeing transactions and not even know like, when I look at it, I'm not even knowing if they're going in and out. I'm not really paying that much of attention. So I think I get a little bit like maybe even like a would you say just overwhelmed just knowing that that's happening or seeing that that's happened? You know what I mean?\n\nI think it's just a personal thing. Yeah. Yeah. Yeah. Things that are mine that are out of my control.\n\nYeah. Yeah. Yeah. Yeah. So you can probably see where my head's at with it.\n\nLike, I'm sort of not it's it's it's nothing to do with, like, you know, not performing or not you know what I mean? I think I'm paying a lot of fees for something I don't really want, if you know what I mean. So that's that's where I'm sort of at. I wanted to sorta I've I've done a bit of a shop around to see what was one of the cheapest admin, cheapest fees, and that that have that option for me to be able to do that. So yep.\n\nYeah. Yeah. Well, you know yeah. A 100%, man. And and and to be honest, it's it's probably been a lot more step in headspace and control, I think.\n\nLike, it's not it's not really a yeah. You know what I mean? But it it sort of it it helps me organize something for myself. You know? So it it it's a lot more on a personal level than it is on a a business level, if you know what I mean.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYeah. Yep. Yep. Yeah. And that's fine.\n\nLike, that's see, I like that in a way, and then in another way, it doesn't quite suit me as well. That that that approach, like, it's nice to have someone like, I've always loved the interaction that I've had, but I think the biggest thing for me is putting the time aside to do it and then trying to think about it as well. You know? Like, I think it it it adds to my plate. So I think this year has been a real big, like, for me.\n\nI'm trying to take things off my plate. So that's that that's where that you know? As as good as that is, it's it's also a bit of a, like it's it's adding, if you know what I mean. It's it's adding to my plate. So and yeah.\n\nYeah. Yeah. Yep. Yep. And I you know?\n\nYeah. A 100%. Like, I I feel terrible when I'm playing this cat and mouse game trying to, like, call you guys back, and and it's not just you either. I got a 100 other things that I'm trying to organize at the same time that I'm doing exactly the same thing too, man. And and not only that, I reckon a good bet maybe 40 to 60% of the bloody calls that I'm getting that are important come up as phishing or spam.\n\nSo, like, I've I've been having a bit of oh, it's like that, man. Yeah. Yeah. So and it's also like, you know, and it it really sort of puts me off being at like, having to drop everything I do to take that call. So I think it's yeah.\n\nYeah. And, like, nothing wrong. Like like, the way you guys organize it, it's not like you just call out of the blue. Like, there is warning beforehand, but then there's like, retaining that information that I'm gonna get a call is also a problem. So yeah, as you just found today, you caught me in the shower.\n\nSo yep. Yep. Yep. Beautiful. Yep.\n\nAwesome, man, and I appreciate that. Yeah. Yeah. Yep. Yep.\n\nOh, that'd be fantastic, man. I really appreciate that. Do you mind doing me a favor? Are you able to just shoot me with, like, an email so I've got something to sort of refer back to? Just just an email with your details or something so that I've I can call back and know who I'm calling, you know, like, I'll remember that I've I've got someone to call, but I just won't remember.\n\nYeah. I mean, I'll have to go back and try and find it in my emails. So if if you email me something, I'll have something to refer to. You know what I mean? Yep.\n\nYeah. Yeah. Legend, man. That's exactly what I need. Thank you.\n\nNo. I think that's it. Yeah. I think the insurance and where I'm at with yeah. Yeah.\n\nNo. With with the cash and stuff. So no. That's perfect, man. I appreciate that.\n\nYeah. Yeah. Thanks, dude. I appreciate that, man. Awesome.\n\nAlright. Legend, man. Awesome. Thanks for that, dude. Yeah.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey, dude.","start":1.4399999,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.04321862757205963},{"text":"Yeah.","start":6.48,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.010241011157631874},{"text":"Yeah.","start":6.7999997,"end":7.04,"sentiment":"neutral","sentiment_score":0.011924056336283684},{"text":"Well, the undies.","start":7.04,"end":8.26,"sentiment":"neutral","sentiment_score":0.004534786140235762},{"text":"That's alright.","start":8.32,"end":9.04,"sentiment":"neutral","sentiment_score":0.055001914501190186}],"sentiment":"neutral","sentiment_score":0.025801167784569163,"num_words":9,"start":1.4399999,"end":9.04},{"sentences":[{"text":"That's the part for a Frank Cole Aragon.","start":9.04,"end":10.9,"sentiment":"neutral","sentiment_score":0.004183838580502197},{"text":"Yeah.","start":13.435,"end":13.755,"sentiment":"neutral","sentiment_score":-0.06254562735557556},{"text":"Yeah.","start":13.755,"end":14.255,"sentiment":"neutral","sentiment_score":-0.03912375867366791},{"text":"We don't have to video calls.","start":15.035,"end":16.315,"sentiment":"neutral","sentiment_score":-0.015208589533964792},{"text":"Yeah.","start":16.315,"end":16.815,"sentiment":"neutral","sentiment_score":-0.004673726856708527}],"sentiment":"neutral","sentiment_score":-0.009654349496807246,"num_words":17,"start":9.04,"end":16.815},{"sentences":[{"text":"Yeah.","start":22.315,"end":22.635,"sentiment":"neutral","sentiment_score":0.1097174733877182},{"text":"That is so good, man.","start":22.635,"end":23.935001,"sentiment":"neutral","sentiment_score":0.11159194000065327},{"text":"Mhmm.","start":24.795,"end":25.2,"sentiment":"neutral","sentiment_score":-0.02294471301138401},{"text":"Yes.","start":32.88,"end":33.38,"sentiment":"neutral","sentiment_score":0.024341799318790436},{"text":"Yes.","start":36.16,"end":36.56,"sentiment":"neutral","sentiment_score":0.027277447283267975}],"sentiment":"neutral","sentiment_score":0.077372411886851,"num_words":9,"start":22.315,"end":36.56},{"sentences":[{"text":"Yep.","start":36.56,"end":36.8,"sentiment":"neutral","sentiment_score":0.03008546680212021},{"text":"So address is 7 Brooklyn Greens Boulevard, Cranbrook, and date of birth is 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lost a fair bit.","start":103.935005,"end":105.235,"sentiment":"negative","sentiment_score":-0.48046480417251586},{"text":"Yep.","start":106.495,"end":106.995,"sentiment":"neutral","sentiment_score":-0.03409944102168083},{"text":"Yeah.","start":115.71001,"end":116.11,"sentiment":"neutral","sentiment_score":0.012286756187677383},{"text":"Okay.","start":116.11,"end":116.43,"sentiment":"neutral","sentiment_score":0.028160057961940765}],"sentiment":"neutral","sentiment_score":-0.2657253223781784,"num_words":9,"start":103.69501,"end":116.43},{"sentences":[{"text":"Yep.","start":116.43,"end":116.75,"sentiment":"neutral","sentiment_score":0.0447276309132576},{"text":"Yep.","start":116.75,"end":117.15,"sentiment":"neutral","sentiment_score":0.06373590230941772},{"text":"Yeah.","start":117.15,"end":117.55,"sentiment":"neutral","sentiment_score":0.03856833279132843},{"text":"So I've already pretty much pulled the trigger on 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that's that's the sort of stuff that I think I wanted to chat to you about.","start":198.88,"end":202.82,"sentiment":"neutral","sentiment_score":-0.10442746956558789},{"text":"Is there any way I can keep that?","start":203.625,"end":205.305,"sentiment":"neutral","sentiment_score":-0.1178462877869606}],"sentiment":"neutral","sentiment_score":-0.08908683913094657,"num_words":28,"start":179.965,"end":205.305},{"sentences":[{"text":"Because I've already paid that out for the the whole period of time, haven't I, for until we have to renew it.","start":205.305,"end":211.965,"sentiment":"neutral","sentiment_score":-0.20332102172754027},{"text":"So it's already paid at once.","start":212.265,"end":213.805,"sentiment":"neutral","sentiment_score":-0.0483323068668445},{"text":"Yeah.","start":216.105,"end":216.42499,"sentiment":"neutral","sentiment_score":0.03676210343837738},{"text":"Yeah.","start":216.42499,"end":216.92499,"sentiment":"neutral","sentiment_score":0.10557197779417038},{"text":"I I'm like this is where I gotta try and figure out in the process how I can sort of keep that.","start":217.70499,"end":224.17,"sentiment":"neutral","sentiment_score":-0.0002454650186171586}],"sentiment":"neutral","sentiment_score":-0.0889638936227689,"num_words":52,"start":205.305,"end":224.17},{"sentences":[{"text":"You know what I mean?","start":224.17,"end":225.04999,"sentiment":"neutral","sentiment_score":-0.0797779381275177},{"text":"I I probably shouldn't have pulled the trigger the way I did.","start":225.04999,"end":227.47,"sentiment":"negative","sentiment_score":-0.4341400588552157},{"text":"I I sorta I I literally just started, like, going through and and and then it got to a point.","start":228.25,"end":233.755,"sentiment":"neutral","sentiment_score":-0.04505499918013811},{"text":"I was like, oh, yeah.","start":233.755,"end":234.395,"sentiment":"neutral","sentiment_score":-0.015941348299384116},{"text":"Okay.","start":234.395,"end":234.715,"sentiment":"neutral","sentiment_score":-0.001223042607307434}],"sentiment":"neutral","sentiment_score":-0.15326977126993413,"num_words":43,"start":224.17,"end":234.715},{"sentences":[{"text":"Why not?","start":234.715,"end":235.455,"sentiment":"neutral","sentiment_score":-0.1259390451014042},{"text":"And then I thought about this stuff after.","start":235.595,"end":237.615,"sentiment":"neutral","sentiment_score":-0.05808780761435628},{"text":"I thought about the the the shares and capital gains, and I thought about the to be honest, I didn't even think about the insurance.","start":237.995,"end":247.115,"sentiment":"neutral","sentiment_score":-0.07897667467594147},{"text":"That was something that Michelle brought up to me.","start":247.115,"end":249.69,"sentiment":"neutral","sentiment_score":-0.054350158406628504},{"text":"So I I I I straight away was like, yeah.","start":250.06999,"end":254.06999,"sentiment":"neutral","sentiment_score":-0.04626818709075451}],"sentiment":"neutral","sentiment_score":-0.06745982804784069,"num_words":54,"start":234.715,"end":254.06999},{"sentences":[{"text":"Okay.","start":254.06999,"end":254.56999,"sentiment":"neutral","sentiment_score":-0.056993789970874786},{"text":"I've made a mistake there.","start":254.79,"end":256.25,"sentiment":"neutral","sentiment_score":-0.2836925983428955},{"text":"So I I kind of expected what like, if everything went through, I did see I got an email saying that, you know, there was a lot of transactions that happened.","start":256.31,"end":267.985,"sentiment":"neutral","sentiment_score":-0.100559993016143},{"text":"And I was like, okay.","start":268.205,"end":269.565,"sentiment":"neutral","sentiment_score":-0.08112646490335465},{"text":"I think I know what's 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trying to sort of keep myself as far out of debt as possible.","start":710.88,"end":715.54004,"sentiment":"neutral","sentiment_score":-0.015752653091719065}],"sentiment":"neutral","sentiment_score":-0.0886366643910555,"num_words":45,"start":703.74506,"end":715.54004},{"sentences":[{"text":"So I don't I don't run any other loans.","start":715.92004,"end":717.86,"sentiment":"neutral","sentiment_score":-0.13240297138690948},{"text":"Yes.","start":734.245,"end":734.745,"sentiment":"neutral","sentiment_score":0.03367631137371063},{"text":"Yeah.","start":741.61,"end":742.11,"sentiment":"neutral","sentiment_score":0.01927156187593937},{"text":"I think what what what I couldn't really explain very well to Michelle was what I'm doing isn't quite self managed super fund.","start":742.33,"end":751.665,"sentiment":"neutral","sentiment_score":-0.10703481928161952},{"text":"Because I know self managed super fund, the the fees that are involved in that, I wouldn't be able to like, I can't really 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was quite small, like, in total.","start":791.675,"end":795.05,"sentiment":"neutral","sentiment_score":0.1739126006141305},{"text":"So it was that's sort of what sparked my thing.","start":795.99,"end":799.19,"sentiment":"positive","sentiment_score":0.40488391518592837}],"sentiment":"neutral","sentiment_score":0.20575307104391632,"num_words":108,"start":758.305,"end":799.19},{"sentences":[{"text":"You know?","start":799.19,"end":799.82996,"sentiment":"neutral","sentiment_score":0.25999054312705994},{"text":"And the and the reason for going down the path of bank shares and choosing my own is also along the lines of not having to ever look at it, you know, not ever having to have things move or change or do do anything.","start":799.82996,"end":813.925,"sentiment":"positive","sentiment_score":0.45987696316507126},{"text":"And and good having it, dividend reinvest also means that, like, there's no money involved until it's sold, if you know what I mean.","start":813.925,"end":826.88,"sentiment":"positive","sentiment_score":0.35889352625235915},{"text":"Yeah.","start":827.42,"end":827.92,"sentiment":"neutral","sentiment_score":-0.09000866860151291},{"text":"Yep.","start":831.33997,"end":831.83997,"sentiment":"neutral","sentiment_score":-0.10619039833545683}],"sentiment":"positive","sentiment_score":0.4059135615315339,"num_words":73,"start":799.19,"end":831.83997},{"sentences":[{"text":"Yeah.","start":842.365,"end":842.76495,"sentiment":"neutral","sentiment_score":-0.1259814351797104},{"text":"Yep.","start":842.76495,"end":843.26495,"sentiment":"neutral","sentiment_score":-0.08942578732967377},{"text":"Yeah.","start":857.1,"end":857.58,"sentiment":"neutral","sentiment_score":0.0510515533387661},{"text":"Yeah.","start":857.58,"end":858.08,"sentiment":"neutral","sentiment_score":0.06885319948196411},{"text":"Mhmm.","start":866.315,"end":866.815,"sentiment":"neutral","sentiment_score":0.0574612133204937}],"sentiment":"neutral","sentiment_score":-0.007608251273632049,"num_words":5,"start":842.365,"end":866.815},{"sentences":[{"text":"I think I I think I'm going more for a nothing move and leave it alone kind of approach, if you know what I mean.","start":867.675,"end":878.66003,"sentiment":"neutral","sentiment_score":0.03532897929660976},{"text":"Like, it's it's it's more of a, you know, the the tortoise race, if you know what I mean.","start":878.66003,"end":883.94,"sentiment":"neutral","sentiment_score":-0.07878472508960649},{"text":"Like, just trying to go for the the I don't I don't have to have anything moved.","start":883.94,"end":888.585,"sentiment":"positive","sentiment_score":0.36763259242562685},{"text":"I don't have to worry about it.","start":888.585,"end":891.465,"sentiment":"positive","sentiment_score":0.4318949452468327},{"text":"It sits there, and it does its own thing.","start":891.465,"end":892.905,"sentiment":"positive","sentiment_score":0.5280370579825507}],"sentiment":"neutral","sentiment_score":0.17417749240933977,"num_words":77,"start":867.675,"end":892.905},{"sentences":[{"text":"And I I know what it's doing.","start":892.905,"end":894.825,"sentiment":"positive","sentiment_score":0.34839610542569843},{"text":"You know what I mean?","start":894.825,"end":895.885,"sentiment":"neutral","sentiment_score":0.15146603882312776},{"text":"And I and I do follow the banks quite like well, when I say quite closely, I I just it it's just what I have interest in watching, if you know what I mean.","start":896.34503,"end":909.83,"sentiment":"positive","sentiment_score":0.3384079608847113},{"text":"Like, I do I do like seeing that.","start":909.83,"end":911.595,"sentiment":"positive","sentiment_score":0.6065954267978668},{"text":"So I think it's also a little bit of a feel good in myself as well, like, knowing that I've I've done that as well.","start":911.83496,"end":917.675,"sentiment":"positive","sentiment_score":0.4930766797065735}],"sentiment":"positive","sentiment_score":0.40356524062307575,"num_words":79,"start":892.905,"end":917.675},{"sentences":[{"text":"You know?","start":917.675,"end":918.07495,"sentiment":"neutral","sentiment_score":0.048973340541124344},{"text":"I I I think I get a little bit lost in the whole, like, seeing transactions and not even know like, when I look at it, I'm not even knowing if they're going in and out.","start":918.07495,"end":925.115,"sentiment":"neutral","sentiment_score":-0.17182331821984714},{"text":"I'm not really paying that much of attention.","start":925.115,"end":926.65497,"sentiment":"neutral","sentiment_score":-0.32669383101165295},{"text":"So I think I get a little bit like maybe even like a would you say just overwhelmed just knowing that that's happening or seeing that that's happened?","start":927.11,"end":936.70996,"sentiment":"neutral","sentiment_score":-0.14180489975426877},{"text":"You know what I mean?","start":936.70996,"end":937.50995,"sentiment":"neutral","sentiment_score":-0.09270417541265488}],"sentiment":"neutral","sentiment_score":-0.16626963915326928,"num_words":79,"start":917.675,"end":937.50995},{"sentences":[{"text":"I think it's just a personal thing.","start":937.50995,"end":939.20996,"sentiment":"neutral","sentiment_score":-0.04228786113006728},{"text":"Yeah.","start":941.09503,"end":941.175,"sentiment":"neutral","sentiment_score":-0.06800757348537445},{"text":"Yeah.","start":941.175,"end":941.415,"sentiment":"neutral","sentiment_score":-0.07441893219947815},{"text":"Yeah.","start":941.415,"end":941.735,"sentiment":"neutral","sentiment_score":-0.10993311554193495},{"text":"Things that are mine that are out of my 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with, like, you know, not performing or not you know what I mean?","start":947.335,"end":955.29,"sentiment":"neutral","sentiment_score":-0.12382922616476814},{"text":"I think I'm paying a lot of fees for something I don't really want, if you know what I mean.","start":955.29,"end":961.15,"sentiment":"negative","sentiment_score":-0.35372189730405806},{"text":"So that's that's where I'm sort of at.","start":962.17,"end":964.57,"sentiment":"neutral","sentiment_score":-0.00392193952575326},{"text":"I wanted to sorta I've I've done a bit of a shop around to see what was one of the cheapest admin, cheapest fees, and that that have that option for me to be able to do that.","start":964.57,"end":978.685,"sentiment":"neutral","sentiment_score":0.09907996938808968},{"text":"So yep.","start":979.08997,"end":988.31,"sentiment":"positive","sentiment_score":0.4247349351644516}],"sentiment":"neutral","sentiment_score":-0.05938267590397078,"num_words":92,"start":947.335,"end":988.31},{"sentences":[{"text":"Yeah.","start":991.25,"end":991.57,"sentiment":"neutral","sentiment_score":0.05889192223548889},{"text":"Yeah.","start":991.57,"end":991.97,"sentiment":"neutral","sentiment_score":0.07974611222743988},{"text":"Well, you know yeah.","start":991.97,"end":995.51495,"sentiment":"neutral","sentiment_score":0.18025090731680393},{"text":"A 100%, man.","start":995.51495,"end":996.475,"sentiment":"neutral","sentiment_score":0.21040350695451102},{"text":"And and and to be honest, it's it's probably been a lot more step in headspace and control, I think.","start":996.475,"end":1003.115,"sentiment":"neutral","sentiment_score":0.12688063830137253}],"sentiment":"neutral","sentiment_score":0.13891258450417682,"num_words":29,"start":991.25,"end":1003.115},{"sentences":[{"text":"Like, it's not it's not really a yeah.","start":1003.115,"end":1006.08,"sentiment":"neutral","sentiment_score":0.09885471127927303},{"text":"You know what I mean?","start":1006.08,"end":1006.88,"sentiment":"neutral","sentiment_score":0.08049864470958709},{"text":"But it it sort of it it helps me organize something for myself.","start":1006.88,"end":1010.80005,"sentiment":"neutral","sentiment_score":0.27374765620781827},{"text":"You know?","start":1010.80005,"end":1011.36005,"sentiment":"neutral","sentiment_score":0.14871026575565338},{"text":"So it it it's a lot more on a personal level than it is on a a business level, if you know what I mean.","start":1011.36005,"end":1018.26,"sentiment":"neutral","sentiment_score":0.1727624800801277}],"sentiment":"neutral","sentiment_score":0.17676477316977843,"num_words":53,"start":1003.115,"end":1018.26},{"sentences":[{"text":"Yep.","start":1034.135,"end":1034.635,"sentiment":"neutral","sentiment_score":0.1137123927474022},{"text":"Yep.","start":1041.13,"end":1041.63,"sentiment":"neutral","sentiment_score":0.1000787615776062},{"text":"Yeah.","start":1047.9299,"end":1048.1699,"sentiment":"neutral","sentiment_score":0.058352991938591},{"text":"Yep.","start":1048.1699,"end":1048.605,"sentiment":"neutral","sentiment_score":0.07926640659570694},{"text":"Yep.","start":1054.285,"end":1054.785,"sentiment":"neutral","sentiment_score":0.07777484506368637}],"sentiment":"neutral","sentiment_score":0.08583707958459855,"num_words":5,"start":1034.135,"end":1054.785},{"sentences":[{"text":"Yeah.","start":1057.085,"end":1057.405,"sentiment":"neutral","sentiment_score":0.06292262673377991},{"text":"Yep.","start":1057.405,"end":1057.8049,"sentiment":"neutral","sentiment_score":0.058709319680929184},{"text":"Yep.","start":1057.8049,"end":1058.285,"sentiment":"neutral","sentiment_score":0.059779323637485504},{"text":"Yeah.","start":1058.285,"end":1058.6849,"sentiment":"neutral","sentiment_score":0.07918338477611542},{"text":"And that's fine.","start":1058.6849,"end":1059.405,"sentiment":"neutral","sentiment_score":0.0987528810898463}],"sentiment":"neutral","sentiment_score":0.07955047115683556,"num_words":7,"start":1057.085,"end":1059.405},{"sentences":[{"text":"Like, that's see, I like that in a way, and then in another way, it doesn't quite suit me as well.","start":1059.405,"end":1066.2699,"sentiment":"neutral","sentiment_score":0.022742121169964474},{"text":"That that that approach, like, it's nice to have someone like, I've always loved the interaction that I've had, but I think the biggest thing for me is putting the time aside to do it and then trying to think about it as well.","start":1066.49,"end":1077.5549,"sentiment":"neutral","sentiment_score":0.275805695659735},{"text":"You know?","start":1077.5549,"end":1078.115,"sentiment":"neutral","sentiment_score":0.024883124977350235},{"text":"Like, I think it it it adds to my plate.","start":1078.115,"end":1080.455,"sentiment":"neutral","sentiment_score":-0.05500343106687069},{"text":"So I think this year has been a real big, like, for me.","start":1081.075,"end":1084.0349,"sentiment":"negative","sentiment_score":-0.37112547571842486}],"sentiment":"neutral","sentiment_score":0.08097928787271182,"num_words":90,"start":1059.405,"end":1084.0349},{"sentences":[{"text":"I'm trying to take things off my plate.","start":1084.0349,"end":1085.975,"sentiment":"negative","sentiment_score":-0.45663589611649513},{"text":"So that's that that's where that you know?","start":1086.0349,"end":1089.955,"sentiment":"neutral","sentiment_score":-0.12892687506973743},{"text":"As as good as that is, it's it's also a bit of a, like it's it's adding, if you know what I mean.","start":1089.955,"end":1095.9601,"sentiment":"neutral","sentiment_score":-0.10310598333244739},{"text":"It's it's adding to my plate.","start":1095.9601,"end":1097.24,"sentiment":"neutral","sentiment_score":-0.052373127390940986},{"text":"So and yeah.","start":1097.24,"end":1098.8401,"sentiment":"neutral","sentiment_score":-0.039867497980594635}],"sentiment":"neutral","sentiment_score":-0.15603710509215793,"num_words":48,"start":1084.0349,"end":1098.8401},{"sentences":[{"text":"Yeah.","start":1098.8401,"end":1099.3401,"sentiment":"neutral","sentiment_score":-0.004261995665729046},{"text":"Yeah.","start":1100.92,"end":1101.4,"sentiment":"neutral","sentiment_score":0.003140396438539028},{"text":"Yep.","start":1101.4,"end":1101.7201,"sentiment":"neutral","sentiment_score":-0.007931157015264034},{"text":"Yep.","start":1101.7201,"end":1102.04,"sentiment":"neutral","sentiment_score":-0.005196744576096535},{"text":"And I you know?","start":1102.04,"end":1103.02,"sentiment":"neutral","sentiment_score":-0.01849959185346961}],"sentiment":"neutral","sentiment_score":-0.011030983529053628,"num_words":8,"start":1098.8401,"end":1103.02},{"sentences":[{"text":"Yeah.","start":1104.8401,"end":1105.16,"sentiment":"neutral","sentiment_score":-0.03133488446474075},{"text":"A 100%.","start":1105.16,"end":1106.06,"sentiment":"neutral","sentiment_score":-0.06922689452767372},{"text":"Like, I I feel terrible when I'm playing this cat and mouse game trying to, like, call you guys back, and and it's not just you either.","start":1106.28,"end":1111.455,"sentiment":"negative","sentiment_score":-0.5350751236633018},{"text":"I got a 100 other things that I'm trying to organize at the same time that I'm doing exactly the same thing too, man.","start":1111.455,"end":1117.935,"sentiment":"neutral","sentiment_score":-0.3126236293464899},{"text":"And and not only that, I reckon a good bet maybe 40 to 60% of the bloody calls that I'm getting that are important come up as phishing or spam.","start":1117.935,"end":1127.7999,"sentiment":"negative","sentiment_score":-0.44355907539526623}],"sentiment":"negative","sentiment_score":-0.42174471879289266,"num_words":84,"start":1104.8401,"end":1127.7999},{"sentences":[{"text":"So, like, I've I've been having a bit of oh, it's like that, man.","start":1128.26,"end":1135.1951,"sentiment":"negative","sentiment_score":-0.34542833055768696},{"text":"Yeah.","start":1135.8151,"end":1136.135,"sentiment":"neutral","sentiment_score":-0.1746804267168045},{"text":"Yeah.","start":1136.135,"end":1136.535,"sentiment":"neutral","sentiment_score":-0.1959293633699417},{"text":"So and it's also like, you know, and it it really sort of puts me off being at like, having to drop everything I do to take that call.","start":1136.535,"end":1145.995,"sentiment":"negative","sentiment_score":-0.407471239566803},{"text":"So I think it's yeah.","start":1146.2151,"end":1147.8151,"sentiment":"neutral","sentiment_score":-0.10721789300441742}],"sentiment":"negative","sentiment_score":-0.35118723660707474,"num_words":50,"start":1128.26,"end":1147.8151},{"sentences":[{"text":"Yeah.","start":1147.8151,"end":1148.28,"sentiment":"neutral","sentiment_score":-0.09635213017463684},{"text":"And, like, nothing wrong.","start":1148.36,"end":1149.56,"sentiment":"neutral","sentiment_score":-0.17885782569646835},{"text":"Like like, the way you guys organize it, it's not like you just call out of the blue.","start":1149.56,"end":1153.72,"sentiment":"neutral","sentiment_score":-0.27250850862926906},{"text":"Like, there is warning beforehand, but then there's like, retaining that information that I'm gonna get a call is also a problem.","start":1153.72,"end":1161.16,"sentiment":"negative","sentiment_score":-0.36137882349166},{"text":"So yeah, as you just found today, you caught me in the shower.","start":1161.16,"end":1165.7051,"sentiment":"neutral","sentiment_score":0.05776011714568505}],"sentiment":"neutral","sentiment_score":-0.2226963652105167,"num_words":58,"start":1147.8151,"end":1165.7051},{"sentences":[{"text":"So yep.","start":1165.7051,"end":1173.3251,"sentiment":"neutral","sentiment_score":0.07105913013219833},{"text":"Yep.","start":1178.76,"end":1179.26,"sentiment":"neutral","sentiment_score":0.0485062301158905},{"text":"Yep.","start":1181.4801,"end":1181.9801,"sentiment":"neutral","sentiment_score":0.06721562892198563},{"text":"Beautiful.","start":1186.04,"end":1186.54,"sentiment":"positive","sentiment_score":0.7223315238952637},{"text":"Yep.","start":1186.6001,"end":1187.1001,"sentiment":"positive","sentiment_score":0.4534764885902405}],"sentiment":"neutral","sentiment_score":0.23894135529796282,"num_words":6,"start":1165.7051,"end":1187.1001},{"sentences":[{"text":"Awesome, man, and I appreciate that.","start":1188.92,"end":1190.655,"sentiment":"positive","sentiment_score":0.7709508339564005},{"text":"Yeah.","start":1190.735,"end":1191.235,"sentiment":"neutral","sentiment_score":0.2237335741519928},{"text":"Yeah.","start":1205.295,"end":1205.6951,"sentiment":"neutral","sentiment_score":0.06485071778297424},{"text":"Yep.","start":1205.6951,"end":1205.935,"sentiment":"neutral","sentiment_score":0.05878308042883873},{"text":"Yep.","start":1205.935,"end":1206.36,"sentiment":"neutral","sentiment_score":0.06225947290658951}],"sentiment":"positive","sentiment_score":0.5035331849008798,"num_words":10,"start":1188.92,"end":1206.36},{"sentences":[{"text":"Oh, that'd be fantastic, man.","start":1215.0,"end":1216.6,"sentiment":"positive","sentiment_score":0.495070618391037},{"text":"I really appreciate that.","start":1216.6,"end":1217.98,"sentiment":"positive","sentiment_score":0.5277822762727737},{"text":"Do you mind doing me a favor?","start":1218.52,"end":1219.96,"sentiment":"neutral","sentiment_score":0.0788571195943015},{"text":"Are you able to just shoot me with, like, an email so I've got something to sort of refer back to?","start":1219.96,"end":1225.5549,"sentiment":"neutral","sentiment_score":0.03558820175627867},{"text":"Just just an email with your details or something so that I've I can call back and know who I'm calling, you know, like, I'll remember that I've I've got someone to call, but I just won't remember.","start":1226.335,"end":1236.515,"sentiment":"neutral","sentiment_score":0.023806456721534853}],"sentiment":"neutral","sentiment_score":0.09053972835342089,"num_words":75,"start":1215.0,"end":1236.515},{"sentences":[{"text":"Yeah.","start":1236.7999,"end":1236.96,"sentiment":"neutral","sentiment_score":-0.004175011068582535},{"text":"I mean, I'll have to go back and try and find it in my emails.","start":1236.96,"end":1239.46,"sentiment":"neutral","sentiment_score":0.0018143890580783288},{"text":"So if if you email me something, I'll have something to refer to.","start":1239.84,"end":1244.48,"sentiment":"neutral","sentiment_score":0.014853287488222122},{"text":"You know what I mean?","start":1244.48,"end":1245.5399,"sentiment":"neutral","sentiment_score":-0.003941856883466243},{"text":"Yep.","start":1252.32,"end":1252.635,"sentiment":"neutral","sentiment_score":0.060433994978666306}],"sentiment":"neutral","sentiment_score":0.007338807791737573,"num_words":35,"start":1236.7999,"end":1252.635},{"sentences":[{"text":"Yeah.","start":1255.035,"end":1255.535,"sentiment":"neutral","sentiment_score":0.09040892124176024},{"text":"Yeah.","start":1260.955,"end":1261.275,"sentiment":"neutral","sentiment_score":0.24164295196533203},{"text":"Legend, man.","start":1261.275,"end":1261.915,"sentiment":"positive","sentiment_score":0.41710522770881653},{"text":"That's exactly what I need.","start":1261.915,"end":1263.035,"sentiment":"positive","sentiment_score":0.605376374721527},{"text":"Thank you.","start":1263.035,"end":1263.775,"sentiment":"positive","sentiment_score":0.5991208553314209}],"sentiment":"positive","sentiment_score":0.4901259920813821,"num_words":11,"start":1255.035,"end":1263.775},{"sentences":[{"text":"No.","start":1267.38,"end":1267.62,"sentiment":"neutral","sentiment_score":-0.057398721575737},{"text":"I think that's it.","start":1267.62,"end":1268.42,"sentiment":"neutral","sentiment_score":-0.04993747267872095},{"text":"Yeah.","start":1268.42,"end":1268.58,"sentiment":"neutral","sentiment_score":0.006268701050430536},{"text":"I think the insurance and where I'm at with yeah.","start":1268.58,"end":1272.9,"sentiment":"neutral","sentiment_score":0.025798968598246576},{"text":"Yeah.","start":1272.9,"end":1273.22,"sentiment":"neutral","sentiment_score":0.00979580543935299}],"sentiment":"neutral","sentiment_score":0.0009944458930369678,"num_words":17,"start":1267.38,"end":1273.22},{"sentences":[{"text":"No.","start":1273.22,"end":1273.38,"sentiment":"neutral","sentiment_score":-0.09441910684108734},{"text":"With with the cash and stuff.","start":1273.38,"end":1274.5,"sentiment":"neutral","sentiment_score":-0.06817242254813512},{"text":"So no.","start":1274.5,"end":1274.9,"sentiment":"neutral","sentiment_score":-0.031683582812547684},{"text":"That's perfect, man.","start":1274.9,"end":1276.04,"sentiment":"positive","sentiment_score":0.5614734888076782},{"text":"I appreciate that.","start":1276.34,"end":1277.4,"sentiment":"positive","sentiment_score":0.5715135435263315}],"sentiment":"neutral","sentiment_score":0.18880935261646906,"num_words":15,"start":1273.22,"end":1277.4},{"sentences":[{"text":"Yeah.","start":1280.66,"end":1281.16,"sentiment":"positive","sentiment_score":0.45051950216293335},{"text":"Yeah.","start":1284.985,"end":1285.065,"sentiment":"positive","sentiment_score":0.37487155199050903},{"text":"Thanks, dude.","start":1285.065,"end":1285.705,"sentiment":"positive","sentiment_score":0.6317441165447235},{"text":"I appreciate that, man.","start":1285.705,"end":1286.9249,"sentiment":"positive","sentiment_score":0.5973570793867111},{"text":"Awesome.","start":1287.145,"end":1287.645,"sentiment":"positive","sentiment_score":0.5886795520782471}],"sentiment":"positive","sentiment_score":0.5629985729853312,"num_words":9,"start":1280.66,"end":1287.645},{"sentences":[{"text":"Alright.","start":1288.825,"end":1289.325,"sentiment":"neutral","sentiment_score":0.130201518535614},{"text":"Legend, man.","start":1290.6649,"end":1291.3049,"sentiment":"neutral","sentiment_score":0.33236029744148254},{"text":"Awesome.","start":1291.3049,"end":1291.625,"sentiment":"positive","sentiment_score":0.6563197374343872},{"text":"Thanks for that, dude.","start":1291.625,"end":1292.6849,"sentiment":"positive","sentiment_score":0.7301884293556213},{"text":"Yeah.","start":1294.345,"end":1294.745,"sentiment":"neutral","sentiment_score":0.14136062562465668}],"sentiment":"positive","sentiment_score":0.5014840215444565,"num_words":9,"start":1288.825,"end":1294.745},{"sentences":[{"text":"Bye.","start":1294.745,"end":1295.245,"sentiment":"neutral","sentiment_score":-0.11017053574323654}],"sentiment":"neutral","sentiment_score":-0.11017053574323654,"num_words":1,"start":1294.745,"end":1295.245}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hey, dude.\n\nChannel 0: Hey, Ricky. Tell me here again from Oakview, mate. Have I caught you with clothes on?\n\nChannel 1: Yeah. Yeah. Well, the undies. That's alright. That's the part\n\nChannel 0: Halfway\n\nChannel 1: for\n\nChannel 0: there.\n\nChannel 1: a Frank Cole\n\nChannel 0: That's\n\nChannel 1: Aragon.\n\nChannel 0: broken enough for a phone call. We're not going on a Teams call\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: Yeah.\n\nChannel 0: anything like that, so that's\n\nChannel 1: We\n\nChannel 0: perfect,\n\nChannel 1: don't have\n\nChannel 0: mate.\n\nChannel 1: to video\n\nChannel 0: Thank you.\n\nChannel 1: calls. Yeah.\n\nChannel 0: Please don't ask me to video call if that's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Awesome,\n\nChannel 1: That\n\nChannel 0: mate.\n\nChannel 1: is so\n\nChannel 0: Before\n\nChannel 1: good, man.\n\nChannel 0: before I jump\n\nChannel 1: Mhmm.\n\nChannel 0: into it, I, possibly for the last time, just want to do a quick security check with you because I'm about to talk about your personal information.\n\nChannel 1: Yes.\n\nChannel 0: Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Yes. Yep. So address is 7 Brooklyn Greens Boulevard, Cranbrook, and date of birth is 1993.\n\nChannel 0: Perfect. Thank you so much for that, mate. I had you booked in from Michelle. Thank you so much for talking with Michelle as well and also being\n\nChannel 1: Yep.\n\nChannel 0: so polite with her. Really appreciate that.\n\nChannel 1: Yep.\n\nChannel 0: I've just gone through a few things on your file just to double check a few points that I need to talk to you about on the way out\n\nChannel 1: Mhmm.\n\nChannel 0: to AustralianSuper. So I just wanna take a couple of minutes just to go through basically some of the points that she already touched on and just give you some ideas about what you can and can't do, if that's alright.\n\nChannel 1: Yes. Yep. Yep. Yeah. Beautiful.\n\nChannel 0: Awesome. So where everything is currently sitting at the moment is from the rollout request hub 24. They're pretty\n\nChannel 1: Yeah.\n\nChannel 0: Johnny on the spot when it comes to selling investments. So most of the investments have already sold down the cash. All of your ETFs are currently sitting in cash. There's about $68,002.04 5 in there. Now\n\nChannel 1: Yeah.\n\nChannel 0: you did have some capital gains because you've super grown, so a little bit\n\nChannel 1: Yep.\n\nChannel 0: of that got trimmed off when they sold it down.\n\nChannel 1: Yeah. Okay. Yes. I've lost a fair bit.\n\nChannel 0: Yeah. And then there's\n\nChannel 1: Yep.\n\nChannel 0: also 15,358 still sitting in two last options because their managed funds, they usually take an extra few days.\n\nChannel 1: Yeah. Okay. Yep. Yep. Yeah.\n\nSo I've\n\nChannel 0: So\n\nChannel 1: already pretty much pulled the trigger on it. I don't know.\n\nChannel 0: Close enough. So, basically, it hasn't rolled out to AustralianSuper. It's just pooling into cash for the time\n\nChannel 1: Yep.\n\nChannel 0: being. Basically, total balance is $83.06 $0.03.\n\nChannel 1: Yep.\n\nChannel 0: The tax liability sitting there is 1,240. That's kinda what's pending from the sales.\n\nChannel 1: Yep.\n\nChannel 0: K. So\n\nChannel 1: Okay.\n\nChannel 0: nothing too major, just a little bit chopping out there.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Normally, it's not too big of an issue because, normally, when you're with, like, an Australian super or an industry fund, all of the capital\n\nChannel 1: Yep.\n\nChannel 0: gains type stuff is already baked into your unit price. With Hub twenty four, because you've got all this sort of direct ownership of all these different ETFs, you've just got more transparency and control. So it looks like you lose this much in capital gains tax, but it was all sitting there originally for the year after the growth anyway. So\n\nChannel 1: Okay.\n\nChannel 0: it's\n\nChannel 1: Yep.\n\nChannel 0: not\n\nChannel 1: Yep.\n\nChannel 0: like an extra fee or anything like that. It's just a\n\nChannel 1: Yep.\n\nChannel 0: realization of what happens under the hood.\n\nChannel 1: Yes. Yeah. Okay. Yep. Yep.\n\nYep.\n\nChannel 0: Cool. One of the things with the insurances that Michelle mentioned, to you, but that AIA policy, I know\n\nChannel 1: Yep.\n\nChannel 0: you kind of spoke to her briefly about it yesterday, but do you know if you're getting default insurances through AustralianSuper? Did they mention that we'll click on once the funds go there?\n\nChannel 1: Well, that's that's the sort of stuff that I think I wanted to chat to you about.\n\nChannel 0: Yeah.\n\nChannel 1: Is there any way I can keep that? Because I've already paid that out for the the whole period of time, haven't I, for until we have to renew it.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: All\n\nChannel 1: it's already\n\nChannel 0: the way\n\nChannel 1: paid\n\nChannel 0: until,\n\nChannel 1: at once.\n\nChannel 0: like, January 2027, twenty third of\n\nChannel 1: Yeah.\n\nChannel 0: January.\n\nChannel 1: Yeah. I I'm like this is where I gotta try and figure out in the process how I can sort of keep that. You know what I mean? I I probably shouldn't have pulled the trigger the way I did.\n\nChannel 0: Fair\n\nChannel 1: I\n\nChannel 0: enough.\n\nChannel 1: I sorta\n\nChannel 0: I understand.\n\nChannel 1: I I literally just started, like, going through and and and then it got to a point. I was like, oh, yeah. Okay. Why not? And then I thought about this stuff after.\n\nI thought about\n\nChannel 0: Yeah.\n\nChannel 1: the the the shares and capital gains, and I thought about the to be honest, I didn't even think about the insurance. That was something that Michelle brought up to me. So\n\nChannel 0: Yeah.\n\nChannel 1: I I I I straight away was like, yeah. Okay. I've made a mistake there. So I I kind of expected what like, if everything went through, I did see I got an email saying that, you know, there was a lot of transactions that happened. And I was like, okay.\n\nI think I know what's happened. I think because it doesn't look like I couldn't quite see in the email if it had been a a sale or something like that. It just says units moved. So I I I was\n\nChannel 0: Yeah.\n\nChannel 1: like, yeah. I I've got a pretty good idea what's happened there. So, yeah, so I I'm sort of wondering if I can keep the other stuff I'll keep moving with the other stuff. I I sorta have to now. I've already done it.\n\nBut the insurance, is there any way to save that?\n\nChannel 0: Yes. Yep. So that's what\n\nChannel 1: Yep.\n\nChannel 0: I wanted to talk to you about. So\n\nChannel 1: Yep.\n\nChannel 0: what I'll do is I'll go the risk of the capital gains, that's already been realized, so that's done and dusted.\n\nChannel 1: Yep.\n\nChannel 0: I'll\n\nChannel 1: Yep.\n\nChannel 0: go through the insurances and the super with you. So, usually, when you open up a new account, once\n\nChannel 1: Yep.\n\nChannel 0: a contribution hits or sometimes upon rollover, you automatically get life TBD and possibly\n\nChannel 1: Yep.\n\nChannel 0: income protection added to the account as a bit of a default unless something in the application not ticking a box, that kind of thing.\n\nChannel 1: Yeah.\n\nChannel 0: Because\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: your AIA policy is paid for an enduring rollover, You can still update the payment details and during rollover form\n\nChannel 1: Mhmm.\n\nChannel 0: with AIA to come out of AustralianSuper.\n\nChannel 1: Yep.\n\nChannel 0: So most of the industry funds, they allow, I think, one rollover a year kind of thing. Sometimes they're a bit restrictive on it.\n\nChannel 1: Okay.\n\nChannel 0: A yearly\n\nChannel 1: Yep.\n\nChannel 0: insurance\n\nChannel 1: Yeah.\n\nChannel 0: premium payment's usually still okay. Your only issue is if you change insurances down the line, then they may not allow that second one. Like, it's the overlap's a bit painful, but you\n\nChannel 1: Yeah.\n\nChannel 0: can absolutely\n\nChannel 1: Okay.\n\nChannel 0: update the details with AIA, and that can\n\nChannel 1: Yep.\n\nChannel 0: come out of that account.\n\nChannel 1: Oh, beautiful. Okay. So I can contact them a I a.\n\nChannel 0: Yeah. And, usually, I think we can help with an enduring rollover form as well. So\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: don't\n\nChannel 1: Yep.\n\nChannel 0: mind if our staff kind of prefills it for you. But the only problem is once your AustralianSuper is opened, we would then need, like, that member number so that we can actually fill that in unless you're comfortable doing it yourself either way.\n\nChannel 1: Yep. No. I can do that. Yeah. Yeah.\n\nYeah. I've I've got that with me. Hang on. Do you want it now?\n\nChannel 0: Yeah. If you've got that, I can I can note that down? That's no worries.\n\nChannel 1: Yeah. Beautiful. Yep. Yep. He finds doing a lot of thinking.\n\nChannel 0: No. Fair enough, mate. It's on call. It's trying to load things up. It's just\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: Yeah. It's\n\nChannel 0: still\n\nChannel 1: I\n\nChannel 0: coming\n\nChannel 1: thought\n\nChannel 0: back\n\nChannel 1: it was\n\nChannel 0: from\n\nChannel 1: smarter\n\nChannel 0: me for\n\nChannel 1: than\n\nChannel 0: the\n\nChannel 1: that.\n\nChannel 0: weekend. Is it iPhone\n\nChannel 1: So\n\nChannel 0: or Android?\n\nChannel 1: Android. Android.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. It the member number is 1077\n\nChannel 0: One zero double seven\n\nChannel 1: mhmm. 181477.\n\nChannel 0: one eight one 477. Perfect. So what I will do is I'll get the team to kind of prefill up some enduring rollover forms for you.\n\nChannel 1: Yep.\n\nChannel 0: Most of all the details should be the same. Like, obviously, if Australian Super have different addresses and things like that, that may be an issue. We'll\n\nChannel 1: Yeah.\n\nChannel 0: double\n\nChannel 1: Yep.\n\nChannel 0: check what's on AIA itself.\n\nChannel 1: Yeah. Beautiful. Yep.\n\nChannel 0: Just make sure all that's up to date. The other couple of things I wanna go over with you as well. So\n\nChannel 1: Yep.\n\nChannel 0: when it comes to the insurances, so we are still listed as advisers on the insurance policy. So\n\nChannel 1: Yes.\n\nChannel 0: what that\n\nChannel 1: Yep.\n\nChannel 0: basically means is that if you go to claim on the insurances, you can still call us, and we can help you through the claims process and\n\nChannel 1: Yes.\n\nChannel 0: also\n\nChannel 1: Yep.\n\nChannel 0: provide claims advice if you would still like to do that.\n\nChannel 1: Yeah. That's right. Yeah. So because I've still paid up to, like, a year's worth of this, haven't I? So I can still speak to you guys and contact you for stuff like this.\n\nChannel 0: Yeah. Yeah. So when\n\nChannel 1: Yep.\n\nChannel 0: it comes to the insurances, because all insurers pay, like, the same 22% commissions\n\nChannel 1: Yep.\n\nChannel 0: to the advisers that have kind of linked to it. We're still linked there. We get a bit of trailing commission for it. So if any point you want to update your details or even alter the insurances, we can still do insurance advice.\n\nChannel 1: Yeah. Yep. Yep. Yeah. Okay.\n\nYeah. I I think I I think that's sort of what I'm leading away from. I've sort of I've I've sorta overstretched my words, like, my my finances, my my over overhead sort of thing. You know? So and\n\nChannel 0: Yeah.\n\nChannel 1: I'd I'll say like what I was saying to Michelle, it's sort of what I've done. It's I've it's like you guys have a product, and I've kind of bought the wrong product. You know what I mean? Like, I'm sorta\n\nChannel 0: Yeah. Right.\n\nChannel 1: yeah. Yeah. I just find that, like, I'm not really in a situation where I can get much out of financial advice and out of the overheads that I'm paying for. You know what I mean? And\n\nChannel 0: Gotcha.\n\nChannel 1: and even the insurance, I think next time I might even sort of review that. I did it so that it would cover the whole house as a whole. I I haven't really factored in what I paid off and what I've you know what I mean? So\n\nChannel 0: Yeah. It could\n\nChannel 1: I've\n\nChannel 0: be worth\n\nChannel 1: I've\n\nChannel 0: turning it down a little\n\nChannel 1: yeah.\n\nChannel 0: bit. Debts\n\nChannel 1: A\n\nChannel 0: have been\n\nChannel 1: 100\n\nChannel 0: paid\n\nChannel 1: percent.\n\nChannel 0: down a bit. All kinds of\n\nChannel 1: Yep.\n\nChannel 0: things.\n\nChannel 1: Yeah. So, you know, like, think things change, and I I think the main thing is, like, I've I've I've had to just spend a bit more time to try and put my head in it and just try and figure out what what I'm doing. You know what I mean? I've I've sort of made made some decisions on the the past me. You know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: I get you.\n\nChannel 1: now now I'm sort of like, ah, okay. I'll see now what I'm what I might be doing wrong. So\n\nChannel 0: Awesome. And I did see a couple notes there from Michelle that, obviously, going to AustralianSuper, you're trying to get some, like, lower fees, simplify things a little bit, and possibly\n\nChannel 1: yep.\n\nChannel 0: go towards, like, self managed super fund down the line, property, that kind of thing.\n\nChannel 1: Yes. Yeah. Yep. Yep. Yep.\n\nYeah. Yeah. Well, I think self managed super fund, that's that's so I I can select something that I I I know investment in, but I've I've had a little bit of experience with investment in. I I I know my banks and stuff. Not\n\nChannel 0: Gotcha.\n\nChannel 1: like not like a guru or anything like that, but I know that's where I wouldn't mind being able to have a go and stay. And I wouldn't mind dividend reinvest.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Cool.\n\nChannel 1: and and have go down that path and and not really have to look at it, if you know what I mean?\n\nChannel 0: Yeah. Yep. And just get\n\nChannel 1: So\n\nChannel 0: that revolving through and just have a bit more involvement in what you're invested in.\n\nChannel 1: yeah. Yeah. That's right. Yeah. Yeah.\n\nAnd you know what? Like, if it doesn't really work out to be all that beneficial, it's sort of it's the mistake I need to make to learn. You know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: So but I I've I've had a lot of success with it just through myself, you know, and and I thought that would be a good option, you know, especially in the long term.\n\nChannel 0: Yeah. Okay. So you're not trying to go down the route of borrowing to get investment properties and all that crazy stuff.\n\nChannel 1: No. No. No. I wouldn't do that. No.\n\nI I think as it is right now, I think borrowing is for my own residence until I've paid it off. And then\n\nChannel 0: Yeah.\n\nChannel 1: I'll I'll\n\nChannel 0: Yeah.\n\nChannel 1: I'm trying to sort of keep myself as far out of debt as possible. So I don't I don't run any other loans.\n\nChannel 0: Yeah. Awesome. Awesome. So the when it comes to, like, the self managed side of things, I know a lot of those funds have, like, a a self select menu that gives you a little bit extra where you can possibly pick some stocks and ETFs and things like that. Obviously, if\n\nChannel 1: Yes.\n\nChannel 0: you go the full self managed super fund route, I don't know if you know the process there, but setting up the entities, the companies, the bank accounts\n\nChannel 1: Yeah.\n\nChannel 0: is a\n\nChannel 1: I think\n\nChannel 0: bit of a\n\nChannel 1: what\n\nChannel 0: process\n\nChannel 1: what\n\nChannel 0: to get that.\n\nChannel 1: what I couldn't really explain very well to Michelle was what I'm doing isn't quite self managed super fund. Because I know\n\nChannel 0: Yeah.\n\nChannel 1: self managed super fund, the the fees that are involved in that, I wouldn't be able to like, I can't really justify doing. So I I\n\nChannel 0: Yeah.\n\nChannel 1: what I wanted to do, they've the the reason I chose this place is because of members direct, which is\n\nChannel 0: Yes.\n\nChannel 1: probably something similar to what Hub twenty four has got, but it's the fees, I think, that\n\nChannel 0: Yeah.\n\nChannel 1: are different. So that's where I'm why I sort of made this choice because I can I can choose anything that's in the ASX and I can which which includes the banks and stuff? And I can still and the fees are I think it was point 5% or something. Like, it was quite small, like, in total.\n\nChannel 0: Yeah.\n\nChannel 1: So it was that's sort of what sparked my thing. You know? And the and the reason for going down the path of bank shares and choosing my own is also along the lines of not having to ever look at it, you know, not ever having to have things move or change or do do anything. And and good having it, dividend reinvest also means that, like, there's no money involved until it's sold, if\n\nChannel 0: Yeah.\n\nChannel 1: you know\n\nChannel 0: Gotcha.\n\nChannel 1: what I mean.\n\nChannel 0: Yeah. You've\n\nChannel 1: Yeah.\n\nChannel 0: just got your head screwed on straight there. Can I ask you a question? When it comes\n\nChannel 1: Yep.\n\nChannel 0: to like, obviously, advisors looking after your super account, so we're obviously pretty sad to see your request to go because we were trying to catch up for a review towards sort of Christmas time. And then I know\n\nChannel 1: Yeah.\n\nChannel 0: I think\n\nChannel 1: Yep.\n\nChannel 0: we got missed there. And then all of a sudden, we changed systems, and by the time it came around, there was the email kinda sitting there. But, obviously, we do a lot of managing investments, picking and choosing investments for clients, that kind of thing. Is\n\nChannel 1: Yeah.\n\nChannel 0: it more so\n\nChannel 1: Yeah.\n\nChannel 0: just trying to have a bit more, like, direct control over it? So, you know, you can obviously lower the fees, have the member direct pick the stocks yourself. Like,\n\nChannel 1: Mhmm.\n\nChannel 0: what what do you find\n\nChannel 1: I\n\nChannel 0: about\n\nChannel 1: think\n\nChannel 0: that process?\n\nChannel 1: I I think I'm going more for a nothing move and leave it alone kind of approach,\n\nChannel 0: Yes.\n\nChannel 1: if you know what I mean. Like, it's it's it's more of a, you know, the the tortoise race, if you know what I mean. Like, just trying to go for the the I don't I don't have to have anything moved. I don't have to worry about it. It sits there, and it does its own thing.\n\nAnd I I know what it's doing. You know what I mean?\n\nChannel 0: Gotcha.\n\nChannel 1: And I and I do follow the banks quite like well, when I say quite closely, I I just it it's just what I have interest in watching, if you know what I mean. Like, I do I do like seeing that. So I think it's also a little bit of a feel good in myself as well, like, knowing that\n\nChannel 0: Yeah.\n\nChannel 1: I've I've done that as\n\nChannel 0: Yeah.\n\nChannel 1: well. You know? I I I think I get a little bit lost in the whole, like, seeing transactions and not even know like, when I look at it, I'm not even knowing if they're going in and out. I'm not really paying\n\nChannel 0: K.\n\nChannel 1: that much of attention. So\n\nChannel 0: Yeah.\n\nChannel 1: I think I get a little bit like maybe even like a would you say just overwhelmed just knowing that that's happening or seeing that that's happened? You know what I mean? I think\n\nChannel 0: Yeah.\n\nChannel 1: it's just\n\nChannel 0: All\n\nChannel 1: a personal\n\nChannel 0: these moving\n\nChannel 1: thing.\n\nChannel 0: parts that you can't really sort of see\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: Yeah. Yeah. Things\n\nChannel 0: know\n\nChannel 1: that\n\nChannel 0: what's\n\nChannel 1: are mine\n\nChannel 0: going\n\nChannel 1: that\n\nChannel 0: on\n\nChannel 1: are\n\nChannel 0: with\n\nChannel 1: out of\n\nChannel 0: your\n\nChannel 1: my\n\nChannel 0: money.\n\nChannel 1: control. Yeah. Yeah. Yeah. Yeah.\n\nSo you can probably see where my head's at with it. Like, I'm sort of not it's it's it's nothing to do with, like, you know,\n\nChannel 0: Yeah.\n\nChannel 1: not performing or not you know what I mean? I think I'm paying a lot of fees for something I don't really want, if you know what I mean.\n\nChannel 0: Yeah.\n\nChannel 1: So that's that's where I'm sort of at. I wanted to sorta I've I've done a bit of a shop around to see what was one of the cheapest admin, cheapest fees, and that that have that option for me to be able to do that.\n\nChannel 0: Yep. I think\n\nChannel 1: So\n\nChannel 0: that's really cool that you've actually gone to that depth of not just checking some fees and rolling to any old fund because it says the new in the news, they're the top 10, but actually finding something\n\nChannel 1: yep.\n\nChannel 0: that has the investment structure that you want. Direct\n\nChannel 1: Yeah.\n\nChannel 0: shares,\n\nChannel 1: Yeah. Well,\n\nChannel 0: members direct.\n\nChannel 1: you\n\nChannel 0: It's\n\nChannel 1: know\n\nChannel 0: a cool thing to do. Not many people do.\n\nChannel 1: yeah. A 100%, man. And and and to be honest, it's it's probably been a lot more step in headspace and control, I think. Like, it's not it's not really a yeah. You know what I mean?\n\nBut it it sort of it it helps me organize something for myself. You know? So it it it's a lot more on a personal level than it is on a a business level, if you know what I mean.\n\nChannel 0: Yeah. 100. So I guess the the last thing I wanna sort of say is that what would have happened had you remained in Hub twenty four and a and a client of Oakview, just so you can sort of see it in your mind, is we go through the annual review in the first quarter of the year.\n\nChannel 1: Yep.\n\nChannel 0: We have Dana who would have been sort of your, I guess, direct adviser throughout the year looking after it. She would have gone\n\nChannel 1: Yep.\n\nChannel 0: through your performance. Yep. It's great. It's up 13%. This option's up 30.\n\nThis one's up 50. One of them's\n\nChannel 1: Yeah.\n\nChannel 0: underperformed,\n\nChannel 1: Yep.\n\nChannel 0: so let's just chop this option and switch it to that one and just boost things up a little bit, and that's probably\n\nChannel 1: Yep.\n\nChannel 0: the conversation that you were gonna have.\n\nChannel 1: Yeah. Yep. Yep. Yeah. And that's fine.\n\nLike, that's see, I like that in a way, and then in another way, it doesn't quite suit me as well.\n\nChannel 0: Yeah.\n\nChannel 1: That that that approach, like, it's nice to have someone like, I've always loved the interaction that I've had, but I think the biggest thing for me is putting the time aside to do it and then trying to think about it as well. You\n\nChannel 0: Yeah.\n\nChannel 1: know? Like, I think it it it adds to my plate. So I think this year has been a real big, like, for me. I'm trying to take things off my plate. So that's that that's where that you know?\n\nAs as good as that is, it's it's also a bit of a, like it's it's adding, if you know what I mean. It's it's\n\nChannel 0: Yeah.\n\nChannel 1: adding to\n\nChannel 0: It's\n\nChannel 1: my plate.\n\nChannel 0: a bit of\n\nChannel 1: So\n\nChannel 0: a timing\n\nChannel 1: and\n\nChannel 0: position, isn't it,\n\nChannel 1: yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: line up an appointment and then go\n\nChannel 1: Yeah.\n\nChannel 0: through\n\nChannel 1: Yep. Yep.\n\nChannel 0: a\n\nChannel 1: And\n\nChannel 0: second\n\nChannel 1: I\n\nChannel 0: or\n\nChannel 1: you know?\n\nChannel 0: third chat to understand it?\n\nChannel 1: Yeah. A 100%. Like, I I feel terrible when I'm playing this cat and mouse game trying to, like, call you guys back, and and it's not just you either. I got a 100 other things that I'm trying to organize at the same time that I'm doing\n\nChannel 0: Yeah.\n\nChannel 1: exactly the same thing too, man. And and not only that, I reckon a good bet maybe 40 to 60% of the bloody calls that I'm getting that are important come up as phishing or spam. So, like,\n\nChannel 0: Hey.\n\nChannel 1: I've\n\nChannel 0: I don't\n\nChannel 1: I've\n\nChannel 0: even\n\nChannel 1: been\n\nChannel 0: answer\n\nChannel 1: having a bit\n\nChannel 0: my\n\nChannel 1: of\n\nChannel 0: phone number. Someone leaves a voice mail or calls\n\nChannel 1: oh,\n\nChannel 0: twice, so no\n\nChannel 1: it's\n\nChannel 0: one\n\nChannel 1: like\n\nChannel 0: does these\n\nChannel 1: that, man.\n\nChannel 0: days.\n\nChannel 1: Yeah. Yeah. So and it's also like, you know, and it it really sort of puts me off being at like, having to drop everything I do to take that call. So I think\n\nChannel 0: Yeah.\n\nChannel 1: it's yeah. Yeah. And, like, nothing wrong. Like like, the way you guys organize it, it's not like you just call out of the blue. Like, there is warning beforehand, but then there's like, retaining that information that I'm gonna get a call is also a problem.\n\nSo\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: yeah, as you just found today, you caught me in the shower. So\n\nChannel 0: No. That's awesome, Ricky. Look, I do appreciate your your transparency and and your candidness.\n\nChannel 1: yep.\n\nChannel 0: Last couple of things to just be aware of is just make sure you sort out your beneficiaries with AustralianSuper. You're\n\nChannel 1: Yep.\n\nChannel 0: obviously sorting out the investments. We'll sort\n\nChannel 1: Yep.\n\nChannel 0: out the enduring rollover for your insurances. Everything's looking pretty good there.\n\nChannel 1: Beautiful.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: you should be pretty well okay.\n\nChannel 1: Awesome, man, and I appreciate that. Yeah.\n\nChannel 0: No worries at all, mate. If you ever do need anything, give us a buzz. We'll obviously, all of our contact numbers will still be through like, you've got our details, website, and then obviously through AIA as well if you ever forget who we are kind of thing.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: But, again, let's say, new year, next year, you wanna do a bit of a trim down of those insurances. Just give us a buzz, and we can do some alterations together.\n\nChannel 1: Oh, that'd be fantastic, man. I really appreciate that. Do you mind doing me a favor? Are you able to just shoot\n\nChannel 0: Yeah.\n\nChannel 1: me with, like, an email so I've got something to sort of refer back to? Just just an email with your details or something so that I've I can call back and know who I'm calling, you know, like, I'll remember that I've I've got someone to call, but I just won't remember. Yeah. I mean, I'll have to go back and try and find it in my emails. So if if you email me something, I'll have something to refer to.\n\nYou know what I mean?\n\nChannel 0: Yeah. I might do that. Like, I think as part of our account closure process, we'll send an email anyway, and I might include\n\nChannel 1: Yep.\n\nChannel 0: that enduring rollover form with it. So that way,\n\nChannel 1: Yeah.\n\nChannel 0: you've got a a written record that way. So I'll just get Michelle to add a couple of things to that if that's alright.\n\nChannel 1: Yeah. Legend, man. That's exactly what I need. Thank you.\n\nChannel 0: Easy done. Do you have any more questions for me before I let you go?\n\nChannel 1: No. I think that's it. Yeah. I think the insurance and where I'm at with yeah. Yeah.\n\nNo. With with the cash and stuff. So no. That's perfect, man. I appreciate\n\nChannel 0: Awesome.\n\nChannel 1: that.\n\nChannel 0: I think. No worries at all, mate. Well, thank you so much for your time.\n\nChannel 1: Yeah.\n\nChannel 0: All the best with the shares and everything, and thank you again.\n\nChannel 1: Yeah. Thanks, dude. I appreciate that, man. Awesome.\n\nChannel 0: Maybe done. I need\n\nChannel 1: Alright.\n\nChannel 0: anything. Give it to Buzz.\n\nChannel 1: Legend, man. Awesome. Thanks for that, dude.\n\nChannel 0: Alright. See you later. Bye.\n\nChannel 1: Yeah. Bye.","paragraphs":[{"sentences":[{"text":"Hey, dude.","start":1.4399999,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.04321862757205963}],"sentiment":"neutral","sentiment_score":0.04321862757205963,"channel":1,"num_words":2,"start":1.4399999,"end":2.1799998},{"sentences":[{"text":"Hey, Ricky.","start":2.56,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.04073652997612953},{"text":"Tell me here again from Oakview, mate.","start":3.1999998,"end":4.56,"sentiment":"neutral","sentiment_score":0.029205475002527237},{"text":"Have I caught you with clothes 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that's","start":13.905,"end":15.105,"sentiment":"neutral","sentiment_score":-0.049031708389520645}],"sentiment":"neutral","sentiment_score":-0.049031708389520645,"channel":0,"num_words":5,"start":13.905,"end":15.105},{"sentences":[{"text":"We","start":15.035,"end":15.195,"sentiment":"neutral","sentiment_score":-0.03537222743034363}],"sentiment":"neutral","sentiment_score":-0.03537222743034363,"channel":1,"num_words":1,"start":15.035,"end":15.195},{"sentences":[{"text":"perfect,","start":15.105,"end":15.504999,"sentiment":"neutral","sentiment_score":-0.05164368823170662}],"sentiment":"neutral","sentiment_score":-0.05164368823170662,"channel":0,"num_words":1,"start":15.105,"end":15.504999},{"sentences":[{"text":"don't have","start":15.195,"end":15.515,"sentiment":"neutral","sentiment_score":-0.039266616106033325}],"sentiment":"neutral","sentiment_score":-0.039266616106033325,"channel":1,"num_words":2,"start":15.195,"end":15.515},{"sentences":[{"text":"mate.","start":15.504999,"end":15.745,"sentiment":"neutral","sentiment_score":0.006694987416267395}],"sentiment":"neutral","sentiment_score":0.006694987416267395,"channel":0,"num_words":1,"start":15.504999,"end":15.745},{"sentences":[{"text":"to video","start":15.515,"end":15.995,"sentiment":"neutral","sentiment_score":-0.0026191817596554756}],"sentiment":"neutral","sentiment_score":-0.0026191817596554756,"channel":1,"num_words":2,"start":15.515,"end":15.995},{"sentences":[{"text":"Thank you.","start":15.745,"end":16.485,"sentiment":"neutral","sentiment_score":0.1478353887796402}],"sentiment":"neutral","sentiment_score":0.1478353887796402,"channel":0,"num_words":2,"start":15.745,"end":16.485},{"sentences":[{"text":"calls.","start":15.995,"end":16.315,"sentiment":"neutral","sentiment_score":0.027892285957932472},{"text":"Yeah.","start":16.315,"end":16.815,"sentiment":"neutral","sentiment_score":-0.004673726856708527}],"sentiment":"neutral","sentiment_score":0.011609279550611973,"channel":1,"num_words":2,"start":15.995,"end":16.815},{"sentences":[{"text":"Please don't ask me to video call if that's okay.","start":17.985,"end":20.324999,"sentiment":"neutral","sentiment_score":-0.08193308748304844}],"sentiment":"neutral","sentiment_score":-0.08193308748304844,"channel":0,"num_words":10,"start":17.985,"end":20.324999},{"sentences":[{"text":"Yeah.","start":22.315,"end":22.635,"sentiment":"neutral","sentiment_score":0.1097174733877182}],"sentiment":"neutral","sentiment_score":0.1097174733877182,"channel":1,"num_words":1,"start":22.315,"end":22.635},{"sentences":[{"text":"Awesome,","start":22.465,"end":22.785,"sentiment":"positive","sentiment_score":0.3537512421607971}],"sentiment":"positive","sentiment_score":0.3537512421607971,"channel":0,"num_words":1,"start":22.465,"end":22.785},{"sentences":[{"text":"That","start":22.635,"end":22.875,"sentiment":"neutral","sentiment_score":0.31027093529701233}],"sentiment":"neutral","sentiment_score":0.31027093529701233,"channel":1,"num_words":1,"start":22.635,"end":22.875},{"sentences":[{"text":"mate.","start":22.785,"end":23.105,"sentiment":"neutral","sentiment_score":0.2676854133605957}],"sentiment":"neutral","sentiment_score":0.2676854133605957,"channel":0,"num_words":1,"start":22.785,"end":23.105},{"sentences":[{"text":"is so","start":22.875,"end":23.195,"sentiment":"neutral","sentiment_score":0.1587509885430336}],"sentiment":"neutral","sentiment_score":0.1587509885430336,"channel":1,"num_words":2,"start":22.875,"end":23.195},{"sentences":[{"text":"Before","start":23.105,"end":23.605,"sentiment":"neutral","sentiment_score":0.05251163989305496}],"sentiment":"neutral","sentiment_score":0.05251163989305496,"channel":0,"num_words":1,"start":23.105,"end":23.605},{"sentences":[{"text":"good, man.","start":23.195,"end":23.935001,"sentiment":"neutral","sentiment_score":-0.0349066061899066}],"sentiment":"neutral","sentiment_score":-0.0349066061899066,"channel":1,"num_words":2,"start":23.195,"end":23.935001},{"sentences":[{"text":"before I jump","start":24.145,"end":24.945,"sentiment":"neutral","sentiment_score":-0.04396407554546992}],"sentiment":"neutral","sentiment_score":-0.04396407554546992,"channel":0,"num_words":3,"start":24.145,"end":24.945},{"sentences":[{"text":"Mhmm.","start":24.795,"end":25.2,"sentiment":"neutral","sentiment_score":-0.02294471301138401}],"sentiment":"neutral","sentiment_score":-0.02294471301138401,"channel":1,"num_words":1,"start":24.795,"end":25.2},{"sentences":[{"text":"into it, I, possibly for the last time, just want to do a quick security check with you because I'm about to talk about your personal information.","start":24.945,"end":32.2,"sentiment":"neutral","sentiment_score":0.0068320562304170045}],"sentiment":"neutral","sentiment_score":0.0068320562304170045,"channel":0,"num_words":27,"start":24.945,"end":32.2},{"sentences":[{"text":"Yes.","start":32.88,"end":33.38,"sentiment":"neutral","sentiment_score":0.024341799318790436}],"sentiment":"neutral","sentiment_score":0.024341799318790436,"channel":1,"num_words":1,"start":32.88,"end":33.38},{"sentences":[{"text":"Are you okay to confirm your date of birth and address, please?","start":33.14,"end":35.88,"sentiment":"neutral","sentiment_score":0.022427281985680263}],"sentiment":"neutral","sentiment_score":0.022427281985680263,"channel":0,"num_words":12,"start":33.14,"end":35.88},{"sentences":[{"text":"Yes.","start":36.16,"end":36.56,"sentiment":"neutral","sentiment_score":0.027277447283267975},{"text":"Yep.","start":36.56,"end":36.8,"sentiment":"neutral","sentiment_score":0.03008546680212021},{"text":"So address is 7 Brooklyn Greens Boulevard, Cranbrook, and date of birth is 1993.","start":36.8,"end":43.785,"sentiment":"neutral","sentiment_score":0.0389566852578095}],"sentiment":"neutral","sentiment_score":0.037672281730920076,"channel":1,"num_words":16,"start":36.16,"end":43.785},{"sentences":[{"text":"Perfect.","start":44.035,"end":44.535,"sentiment":"positive","sentiment_score":0.4973792731761933},{"text":"Thank you so much for that, mate.","start":44.595,"end":46.295,"sentiment":"positive","sentiment_score":0.6511284538677761},{"text":"I had you booked in from Michelle.","start":46.675,"end":49.075,"sentiment":"positive","sentiment_score":0.3588359313351767},{"text":"Thank you so much for talking with Michelle as well and also 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that.","start":53.635,"end":54.855,"sentiment":"positive","sentiment_score":0.5787938237190247}],"sentiment":"positive","sentiment_score":0.5607640828405108,"channel":0,"num_words":7,"start":52.675,"end":54.855},{"sentences":[{"text":"Yep.","start":55.364998,"end":55.71,"sentiment":"neutral","sentiment_score":0.08232443034648895}],"sentiment":"neutral","sentiment_score":0.08232443034648895,"channel":1,"num_words":1,"start":55.364998,"end":55.71},{"sentences":[{"text":"I've just gone through a few things on your file just to double check a few points that I need to talk to you about on the way out","start":56.04,"end":62.12,"sentiment":"neutral","sentiment_score":0.00686817596955546}],"sentiment":"neutral","sentiment_score":0.00686817596955546,"channel":0,"num_words":29,"start":56.04,"end":62.12},{"sentences":[{"text":"Mhmm.","start":62.03,"end":62.53,"sentiment":"neutral","sentiment_score":0.008293943479657173}],"sentiment":"neutral","sentiment_score":0.008293943479657173,"channel":1,"num_words":1,"start":62.03,"end":62.53},{"sentences":[{"text":"to AustralianSuper.","start":62.12,"end":62.94,"sentiment":"neutral","sentiment_score":0.018902678042650223},{"text":"So I just wanna take a couple of minutes just to go through basically some of the points that she already touched on and just give you some ideas about what you can and can't do, if that's 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where everything is currently sitting at the moment is from the rollout request hub 24.","start":74.895004,"end":80.255005,"sentiment":"neutral","sentiment_score":0.033257219241932034},{"text":"They're pretty","start":80.255005,"end":80.895004,"sentiment":"neutral","sentiment_score":0.0076051875948905945}],"sentiment":"neutral","sentiment_score":0.0429348931892922,"channel":0,"num_words":19,"start":74.095,"end":80.895004},{"sentences":[{"text":"Yeah.","start":80.810005,"end":81.310005,"sentiment":"neutral","sentiment_score":0.00014489144086837769}],"sentiment":"neutral","sentiment_score":0.00014489144086837769,"channel":1,"num_words":1,"start":80.810005,"end":81.310005},{"sentences":[{"text":"Johnny on the spot when it comes to selling investments.","start":80.895004,"end":83.955,"sentiment":"neutral","sentiment_score":-0.02788690011948347},{"text":"So most of the investments have already sold down the cash.","start":84.6,"end":87.74,"sentiment":"neutral","sentiment_score":-0.05846323377706788},{"text":"All of your ETFs are currently sitting in cash.","start":88.04,"end":91.0,"sentiment":"neutral","sentiment_score":-0.02919302151227991},{"text":"There's about $68,002.04 5 in there.","start":91.0,"end":94.54,"sentiment":"neutral","sentiment_score":0.007495009223930538},{"text":"Now","start":94.84,"end":95.08,"sentiment":"neutral","sentiment_score":0.017769670113921165}],"sentiment":"neutral","sentiment_score":-0.03032329840258368,"channel":0,"num_words":37,"start":80.895004,"end":95.08},{"sentences":[{"text":"Yeah.","start":95.05,"end":95.535,"sentiment":"neutral","sentiment_score":0.0224015973508358}],"sentiment":"neutral","sentiment_score":0.0224015973508358,"channel":1,"num_words":1,"start":95.05,"end":95.535},{"sentences":[{"text":"you did have some capital gains because you've super grown, so a little 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later.","start":1293.023,"end":1293.663,"sentiment":"positive","sentiment_score":0.4244367778301239},{"text":"Bye.","start":1293.663,"end":1294.163,"sentiment":"neutral","sentiment_score":0.22781631350517273}],"sentiment":"positive","sentiment_score":0.3747234344482422,"channel":0,"num_words":5,"start":1292.783,"end":1294.163},{"sentences":[{"text":"Yeah.","start":1294.345,"end":1294.745,"sentiment":"neutral","sentiment_score":0.14136062562465668},{"text":"Bye.","start":1294.745,"end":1295.245,"sentiment":"neutral","sentiment_score":-0.11017053574323654}],"sentiment":"neutral","sentiment_score":0.015595044940710068,"channel":1,"num_words":2,"start":1294.345,"end":1295.245}]},"summary":{"result":"success","short":"The representative discusses the financial situation of the customer with Ricky, who is a financial advisor. They also talk about the rollout of Hub 24 and insurance policy details. The customer and agent discuss insurances and default insurances through Australian dashboards, and the agent explains how to update payment details with AIA. The speaker emphasizes the importance of managing investments and setting aside time to think about it, as well as their desire to see a focus on direct control over investments and take time off work to focus on their day-to-day activities. They remind the caller to send an email with their details and refer back to the caller."},"intents":{"segments":[{"text":"before I jump Mhmm. into it, I, possibly for the last time, just want to do a quick security check with you because I'm about to talk about your personal information. Yes.","start_word":87,"end_word":118,"intents":[{"intent":"Plan security check","confidence_score":0.0005014206}]},{"text":"One of the things with the insurances that Michelle mentioned, to you, but that AIA policy, I know you Yep. kind of spoke to her briefly about it yesterday, but do you know if you're getting default insurances through AustralianSuper? Did they mention that we'll click on once the funds go there?","start_word":570,"end_word":621,"intents":[{"intent":"Discuss aia policy","confidence_score":0.16222362}]},{"text":"But the insurance, is there any way to save that? Yes. Yep.","start_word":943,"end_word":954,"intents":[{"intent":"Inquire about insurance","confidence_score":0.00038720158}]},{"text":"your AIA policy is paid for an enduring rollover, You can still update the payment details and during rollover form Mhmm.","start_word":1057,"end_word":1077,"intents":[{"intent":"Update payment details and policy details","confidence_score":0.021044603}]},{"text":"So most of the industry funds, they allow, I think, one rollover a year kind of thing. Sometimes they're a bit restrictive on it. Okay.","start_word":1086,"end_word":1110,"intents":[{"intent":"Assist with rollover form","confidence_score":0.008559406}]},{"text":"So I can contact them a I a. Yeah.","start_word":1170,"end_word":1178,"intents":[{"intent":"Contact aia","confidence_score":0.39148653}]},{"text":"don't Yep. mind if our staff kind of prefills it for you. But the only problem is once your AustralianSuper is opened, we would then need, like, that member number so that we can actually fill that in unless you're comfortable doing it yourself either way. Yep.","start_word":1197,"end_word":1243,"intents":[{"intent":"Fill in member number","confidence_score":0.016413098}]},{"text":"I can do that. Yeah. Yeah.","start_word":1245,"end_word":1250,"intents":[{"intent":"Do something","confidence_score":0.0016894711}]},{"text":"So what I will do is I'll get the team to kind of prefill up some enduring rollover forms for you. Yep.","start_word":1353,"end_word":1374,"intents":[{"intent":"Prefill rollover forms","confidence_score":0.4807064}]},{"text":"double Yep. check what's on AIA itself. Yeah.","start_word":1402,"end_word":1409,"intents":[{"intent":"Check aia status","confidence_score":0.17332797}]},{"text":"when it comes to the insurances, so we are still listed as advisers on the insurance policy. So Yes.","start_word":1435,"end_word":1453,"intents":[{"intent":"Speak to advisers","confidence_score":0.036635906}]},{"text":"what that Yep. basically means is that if you go to claim on the insurances, you can still call us, and we can help you through the claims process and Yes.","start_word":1454,"end_word":1484,"intents":[{"intent":"Assist with claims process","confidence_score":0.035965245}]},{"text":"what that Yep. basically means is that if you go to claim on the insurances, you can still call us, and we can help you through the claims process and Yes. also Yep. provide claims advice if you would still like to do that. Yeah.","start_word":1454,"end_word":1498,"intents":[{"intent":"Contact advisers for claims advice","confidence_score":0.002656945}]},{"text":"I just find that, like, I'm not really in a situation where I can get much out of financial advice and out of the overheads that I'm paying for. You know what I mean?","start_word":1687,"end_word":1720,"intents":[{"intent":"Review finances","confidence_score":0.004065329}]},{"text":"and even the insurance, I think next time I might even sort of review that.","start_word":1722,"end_word":1736,"intents":[{"intent":"Review insurance","confidence_score":0.44897938}]},{"text":"I've I've sort of made made some decisions on the the past me. You know what I mean?","start_word":1850,"end_word":1867,"intents":[{"intent":"Discuss personal decisions","confidence_score":0.013616218}]},{"text":"And I did see a couple notes there from Michelle that, obviously, going to AustralianSuper, you're trying to get some, like, lower fees, simplify things a little bit, and possibly yep. go towards, like, self managed super fund down the line, property, that kind of thing. Yes.","start_word":1894,"end_word":1940,"intents":[{"intent":"Discuss self managed super fund","confidence_score":0.08004135},{"intent":"Discuss investment options","confidence_score":0.136038}]},{"text":"And I wouldn't mind dividend reinvest. Okay. So Cool.","start_word":2016,"end_word":2024,"intents":[{"intent":"Review dividend reinvest","confidence_score":0.01231226}]},{"text":"And just get So that revolving through and just have a bit more involvement in what you're invested in. yeah. Yeah.","start_word":2049,"end_word":2069,"intents":[{"intent":"Involve in investment investments","confidence_score":0.000084085405}]},{"text":"And the and the reason for going down the path of bank shares and choosing my own is also along the lines of not having to ever look at it, you know, not ever having to have things move or change or do do anything.","start_word":2477,"end_word":2521,"intents":[{"intent":"Discuss bank shares","confidence_score":0.001957563}]},{"text":"Things know that what's are mine going that on are with out of your my money. control.","start_word":2967,"end_word":2983,"intents":[{"intent":"Identify financial interests","confidence_score":0.0002114398}]},{"text":"I think So that's really cool that you've actually gone to that depth of not just checking some fees and rolling to any old fund because it says the new in the news, they're the top 10, but actually finding something yep. that has the investment structure that you want.","start_word":3093,"end_word":3142,"intents":[{"intent":"Discuss investing structure","confidence_score":0.015359309}]},{"text":"So I guess the the last thing I wanna sort of say is that what would have happened had you remained in Hub twenty four and a and a client of Oakview, just so you can sort of see it in your mind, is we go through the annual review in the first quarter of the year.","start_word":3240,"end_word":3296,"intents":[{"intent":"Discuss annual review","confidence_score":0.04576751}]},{"text":"through your performance. Yep.","start_word":3323,"end_word":3326,"intents":[{"intent":"Discuss performance","confidence_score":0.7319479}]},{"text":"the conversation that you were gonna have.","start_word":3370,"end_word":3376,"intents":[{"intent":"Discuss conversation","confidence_score":0.22442213}]},{"text":"That that that approach, like, it's nice to have someone like, I've always loved the interaction that I've had, but I think the biggest thing for me is putting the time aside to do it and then trying to think about it as well. You Yeah.","start_word":3406,"end_word":3451,"intents":[{"intent":"Consider putting time aside","confidence_score":0.00064469024}]},{"text":"Like, I I feel terrible when I'm playing this cat and mouse game trying to, like, call you guys back, and and it's not just you either.","start_word":3562,"end_word":3588,"intents":[{"intent":"Get a call back","confidence_score":0.0015139251}]},{"text":"Last couple of things to just be aware of is just make sure you sort out your beneficiaries with AustralianSuper.","start_word":3795,"end_word":3814,"intents":[{"intent":"Sort out beneficiaries","confidence_score":0.24109592}]},{"text":"But, again, let's say, new year, next year, you wanna do a bit of a trim down of those insurances. Just give us a buzz, and we can do some alterations together.","start_word":3904,"end_word":3935,"intents":[{"intent":"Trim down insurances","confidence_score":0.01966449}]},{"text":"me with, like, an email so I've got something to sort of refer back to? Just just an email with your details or something so that I've I can call back and know who I'm calling, you know, like, I'll remember that I've I've got someone to call, but I just won't remember. Yeah.","start_word":3959,"end_word":4012,"intents":[{"intent":"Send email with details","confidence_score":0.04947778}]}]},"sentiments":{"segments":[{"text":"Hey, dude. Hey, Ricky. Tell me here again from Oakview, mate. Have I caught you with clothes on? Yeah. Yeah. Well, the undies. That's alright. That's the part Halfway for there. a Frank That's Cole Aragon. broken enough for a phone call. We're not going on a Teams call Yeah. or Yeah. anything like that, so that's We perfect, don't have mate. to video Thank you. calls. Yeah. Please don't ask me to video call if that's okay. Yeah. Awesome, That mate. is so Before good, man. before I jump Mhmm. into it, I, possibly for the last time, just want to do a quick security check with you because I'm about to talk about your personal information. Yes. Are you okay to confirm your date of birth and address, please? Yes. Yep. So address is 7 Brooklyn Greens Boulevard, Cranbrook, and date of birth is 1993.","start_word":0,"end_word":146,"sentiment":"neutral","sentiment_score":0.008241572417318821},{"text":"Perfect. Thank you so much for that, mate. I had you booked in from Michelle. Thank you so much for talking with Michelle as well and also being Yep. so polite with her. Really appreciate that.","start_word":147,"end_word":182,"sentiment":"positive","sentiment_score":0.5326578617095947},{"text":"Yep. I've just gone through a few things on your file just to double check a few points that I need to talk to you about on the way out Mhmm. to AustralianSuper. So I just wanna take a couple of minutes just to go through basically some of the points that she already touched on and just give you some ideas about what you can and can't do, if that's alright. Yes. Yep. Yep. Yeah.","start_word":183,"end_word":258,"sentiment":"neutral","sentiment_score":-0.010773439891636372},{"text":"Beautiful.","start_word":259,"end_word":259,"sentiment":"positive","sentiment_score":0.34217268228530884},{"text":"Awesome. So where everything is currently sitting at the moment is from the rollout request hub 24. They're pretty Yeah. Johnny on the spot when it comes to selling investments. So most of the investments have already sold down the cash. All of your ETFs are currently sitting in cash. There's about $68,002.04 5 in there. Now Yeah. you did have some capital gains because you've super grown, so a little bit Yep. of that got trimmed off when they sold it down. Yeah. Okay. Yes.","start_word":260,"end_word":345,"sentiment":"neutral","sentiment_score":-0.0018722217064350843},{"text":"I've lost a fair bit.","start_word":346,"end_word":350,"sentiment":"negative","sentiment_score":-0.5024722218513489},{"text":"Yeah. And then there's Yep. also 15,358 still sitting in two last options because their managed funds, they usually take an extra few days. Yeah. Okay. Yep. Yep. Yeah. So I've So already pretty much pulled the trigger on it. I don't know. Close enough. So, basically, it hasn't rolled out to AustralianSuper. It's just pooling into cash for the time Yep. being. Basically, total balance is $83.06 $0.03. Yep. The tax liability sitting there is 1,240. That's kinda what's pending from the sales. Yep. K. So Okay. nothing too major, just a little bit chopping out there. Yep. Mhmm. Normally, it's not too big of an issue because, normally, when you're with, like, an Australian super or an industry fund, all of the capital Yep. gains type stuff is already baked into your unit price. With Hub twenty four, because you've got all this sort of direct ownership of all these different ETFs, you've just got more transparency and control. So it looks like you lose this much in capital gains tax, but it was all sitting there originally for the year after the growth anyway. So Okay. it's Yep. not like Yep. an extra fee or anything like that. It's just a Yep. realization of what happens under the hood. Yes. Yeah. Okay. Yep. Yep. Yep. Cool. One of the things with the insurances that Michelle mentioned, to you, but that AIA policy, I know you Yep. kind of spoke to her briefly about it yesterday, but do you know if you're getting default insurances through AustralianSuper? Did they mention that we'll click on once the funds go there? Well, that's that's the sort of stuff that I think I wanted to chat to you about. Yeah. Is there any way I can keep that? Because I've already paid that out for the the whole period of time, haven't I, for until we have to renew it. Yeah. So All it's already the way paid until, at once. like, January 2027, twenty third of Yeah. January. Yeah. I I'm like this is where I gotta try and figure out in the process how I can sort of keep that. You know what I mean?","start_word":351,"end_word":716,"sentiment":"neutral","sentiment_score":-0.029013936366832464},{"text":"I I probably shouldn't have pulled the trigger the way I did.","start_word":717,"end_word":728,"sentiment":"negative","sentiment_score":-0.4362025856971741},{"text":"Fair I enough. I sorta I understand. I I literally just started, like, going through and and and then it got to a point. I was like, oh, yeah. Okay. Why not? And then I thought about this stuff after. I thought about Yeah. the the the shares and capital gains, and I thought about the to be honest, I didn't even think about the insurance. That was something that Michelle brought up to me. So Yeah. I I I I straight away was like, yeah. Okay. I've made a mistake there. So I I kind of expected what like, if everything went through, I did see I got an email saying that, you know, there was a lot of transactions that happened. And I was like, okay. I think I know what's happened. I think because it doesn't look like I couldn't quite see in the email if it had been a a sale or something like that. It just says units moved. So I I I was Yeah. like, yeah.","start_word":729,"end_word":900,"sentiment":"neutral","sentiment_score":-0.08601094037294388},{"text":"I I've got a pretty good idea what's happened there.","start_word":901,"end_word":910,"sentiment":"positive","sentiment_score":0.3993351459503174},{"text":"So, yeah, so I I'm sort of wondering if I can keep the other stuff I'll keep moving with the other stuff. I I sorta have to now. I've already done it. But the insurance, is there any way to save that? Yes. Yep. So that's what Yep. I wanted to talk to you about. So Yep. what I'll do is I'll go the risk of the capital gains, that's already been realized, so that's done and dusted. Yep. I'll Yep. go through the insurances and the super with you. So, usually, when you open up a new account, once Yep. a contribution hits or sometimes upon rollover, you automatically get life TBD and possibly Yep. income protection added to the account as a bit of a default unless something in the application not ticking a box, that kind of thing. Because Yeah. Yep. Yep. Yep. your AIA policy is paid for an enduring rollover, You can still update the payment details and during rollover form Mhmm. with AIA to come out of AustralianSuper. Yep. So most of the industry funds, they allow, I think, one rollover a year kind of thing. Sometimes they're a bit restrictive on it. Okay. A yearly Yep. insurance Yeah. premium payment's usually still okay. Your only issue is if you change insurances down the line, then they may not allow that second one. Like, it's the overlap's a bit painful, but you Yeah. can absolutely Okay. update the details with AIA, and that can Yep. come out of that account.","start_word":911,"end_word":1166,"sentiment":"neutral","sentiment_score":0.01568171154940501},{"text":"Oh, beautiful.","start_word":1167,"end_word":1168,"sentiment":"positive","sentiment_score":0.5007805824279785},{"text":"Okay. So I can contact them a I a. Yeah. And, usually, I think we can help with an enduring rollover form as well. So Yeah. I Yep. don't Yep. mind if our staff kind of prefills it for you. But the only problem is once your AustralianSuper is opened, we would then need, like, that member number so that we can actually fill that in unless you're comfortable doing it yourself either way. Yep. No. I can do that. Yeah. Yeah. Yeah. I've I've got that with me. Hang on. Do you want it now? Yeah. If you've got that, I can I can note that down? That's no worries. Yeah.","start_word":1169,"end_word":1280,"sentiment":"neutral","sentiment_score":0.011961134150624275},{"text":"Beautiful.","start_word":1281,"end_word":1281,"sentiment":"positive","sentiment_score":0.39237648248672485},{"text":"Yep. Yep. He finds doing a lot of thinking. No. Fair enough, mate. It's on call. It's trying to load things up. It's just Yeah. it Yeah. It's still I coming thought back it was from smarter me for than the that. weekend. Is it iPhone So or Android? Android. Android. Yeah. Yeah. It the member number is 1077 One zero double seven mhmm. 181477. one eight one 477.","start_word":1282,"end_word":1350,"sentiment":"neutral","sentiment_score":0.060570258647203445},{"text":"Perfect.","start_word":1351,"end_word":1351,"sentiment":"positive","sentiment_score":0.4742172360420227},{"text":"So what I will do is I'll get the team to kind of prefill up some enduring rollover forms for you. Yep. Most of all the details should be the same. Like, obviously, if Australian Super have different addresses and things like that, that may be an issue. We'll Yeah. double Yep. check what's on AIA itself.","start_word":1352,"end_word":1408,"sentiment":"neutral","sentiment_score":0.03832864388823509},{"text":"Yeah. Beautiful. Yep. Just make sure all that's up to date.","start_word":1409,"end_word":1419,"sentiment":"positive","sentiment_score":0.4323354959487915},{"text":"The other couple of things I wanna go over with you as well. So Yep. when it comes to the insurances, so we are still listed as advisers on the insurance policy. So Yes. what that Yep. basically means is that if you go to claim on the insurances, you can still call us, and we can help you through the claims process and Yes. also Yep. provide claims advice if you would still like to do that. Yeah. That's right. Yeah. So because I've still paid up to, like, a year's worth of this, haven't I? So I can still speak to you guys and contact you for stuff like this. Yeah. Yeah. So when Yep. it comes to the insurances, because all insurers pay, like, the same 22% commissions Yep. to the advisers that have kind of linked to it. We're still linked there. We get a bit of trailing commission for it. So if any point you want to update your details or even alter the insurances, we can still do insurance advice. Yeah. Yep. Yep. Yeah. Okay. Yeah. I I think I I think that's sort of what I'm leading away from. I've sort of I've I've sorta overstretched my words, like, my my finances, my my over overhead sort of thing. You know? So and Yeah. I'd I'll say like what I was saying to Michelle, it's sort of what I've done.","start_word":1420,"end_word":1656,"sentiment":"neutral","sentiment_score":0.005353401880711317},{"text":"It's I've it's like you guys have a product, and I've kind of bought the wrong product.","start_word":1657,"end_word":1673,"sentiment":"negative","sentiment_score":-0.3441174626350403},{"text":"You know what I mean? Like, I'm sorta Yeah. Right. yeah. Yeah. I just find that, like, I'm not really in a situation where I can get much out of financial advice and out of the overheads that I'm paying for. You know what I mean? And Gotcha. and even the insurance, I think next time I might even sort of review that. I did it so that it would cover the whole house as a whole. I I haven't really factored in what I paid off and what I've you know what I mean? So Yeah.","start_word":1674,"end_word":1770,"sentiment":"neutral","sentiment_score":-0.01395697025678207},{"text":"It could I've be worth I've turning it down a little yeah. bit.","start_word":1771,"end_word":1783,"sentiment":"negative","sentiment_score":-0.4393228590488434},{"text":"Debts A have been 100 paid percent. down a bit. All kinds of Yep. things. Yeah. So, you know, like, think things change, and I I think the main thing is, like, I've I've I've had to just spend a bit more time to try and put my head in it and just try and figure out what what I'm doing. You know what I mean? I've I've sort of made made some decisions on the the past me. You know what I mean? Yeah. And I get you. now now I'm sort of like, ah, okay. I'll see now what I'm what I might be doing wrong.","start_word":1784,"end_word":1891,"sentiment":"neutral","sentiment_score":-0.05723436176776886},{"text":"So Awesome.","start_word":1892,"end_word":1893,"sentiment":"positive","sentiment_score":0.576490044593811},{"text":"And I did see a couple notes there from Michelle that, obviously, going to AustralianSuper, you're trying to get some, like, lower fees, simplify things a little bit, and possibly yep. go towards, like, self managed super fund down the line, property, that kind of thing. Yes. Yeah. Yep. Yep. Yep. Yeah. Yeah. Well, I think self managed super fund, that's that's so I I can select something that I I I know investment in, but I've I've had a little bit of experience with investment in. I I I know my banks and stuff. Not Gotcha. like not like a guru or anything like that, but I know that's where I wouldn't mind being able to have a go and stay. And I wouldn't mind dividend reinvest. Okay.","start_word":1894,"end_word":2022,"sentiment":"neutral","sentiment_score":0.17640984058380127},{"text":"So Cool.","start_word":2023,"end_word":2024,"sentiment":"positive","sentiment_score":0.4386289715766907},{"text":"and and have go down that path and and not really have to look at it, if you know what I mean? Yeah. Yep. And just get So that revolving through and just have a bit more involvement in what you're invested in. yeah. Yeah. That's right. Yeah. Yeah. And you know what? Like, if it doesn't really work out to be all that beneficial, it's sort of it's the mistake I need to make to learn. You know what I mean? Yeah.","start_word":2025,"end_word":2107,"sentiment":"neutral","sentiment_score":0.05193737521767616},{"text":"So but I I've I've had a lot of success with it just through myself, you know, and and I thought that would be a good option, you know, especially in the long term.","start_word":2108,"end_word":2141,"sentiment":"positive","sentiment_score":0.46144211292266846},{"text":"Yeah. Okay. So you're not trying to go down the route of borrowing to get investment properties and all that crazy stuff. No. No. No. I wouldn't do that. No. I I think as it is right now, I think borrowing is for my own residence until I've paid it off. And then Yeah. I'll I'll Yeah. I'm trying to sort of keep myself as far out of debt as possible. So I don't I don't run any other loans. Yeah.","start_word":2142,"end_word":2222,"sentiment":"neutral","sentiment_score":-0.06693026423454285},{"text":"Awesome. Awesome.","start_word":2223,"end_word":2224,"sentiment":"positive","sentiment_score":0.4500461220741272},{"text":"So the when it comes to, like, the self managed side of things, I know a lot of those funds have, like, a a self select menu that gives you a little bit extra where you can possibly pick some stocks and ETFs and things like that. Obviously, if Yes. you go the full self managed super fund route, I don't know if you know the process there, but setting up the entities, the companies, the bank accounts Yeah. is a I think bit of a what process what to get that. what I couldn't really explain very well to Michelle was what I'm doing isn't quite self managed super fund. Because I know Yeah. self managed super fund, the the fees that are involved in that, I wouldn't be able to like, I can't really justify doing. So I I Yeah. what I wanted to do, they've the the reason I chose this place is because of members direct, which is Yes. probably something similar to what Hub twenty four has got, but it's the fees, I think, that Yeah. are different. So that's where I'm why I sort of made this choice because I can I can choose anything that's in the ASX and I can which which includes the banks and stuff? And I can still and the fees are I think it was point 5% or something. Like, it was quite small, like, in total. Yeah.","start_word":2225,"end_word":2464,"sentiment":"neutral","sentiment_score":0.08025746246178946},{"text":"So it was that's sort of what sparked my thing.","start_word":2465,"end_word":2474,"sentiment":"positive","sentiment_score":0.4101355969905853},{"text":"You know?","start_word":2475,"end_word":2476,"sentiment":"neutral","sentiment_score":0.25787001848220825},{"text":"And the and the reason for going down the path of bank shares and choosing my own is also along the lines of not having to ever look at it, you know, not ever having to have things move or change or do do anything. And and good having it, dividend reinvest also means that, like, there's no money involved until it's sold, if Yeah.","start_word":2477,"end_word":2541,"sentiment":"positive","sentiment_score":0.44614219665527344},{"text":"you know Gotcha. what I mean. Yeah. You've Yeah.","start_word":2542,"end_word":2550,"sentiment":"neutral","sentiment_score":-0.0379776805639267},{"text":"just got your head screwed on straight there.","start_word":2551,"end_word":2558,"sentiment":"negative","sentiment_score":-0.4324049651622772},{"text":"Can I ask you a question? When it comes Yep.","start_word":2559,"end_word":2568,"sentiment":"neutral","sentiment_score":-0.06707954406738281},{"text":"to like, obviously, advisors looking after your super account, so we're obviously pretty sad to see your request to go because we were trying to catch up for a review towards sort of Christmas time.","start_word":2569,"end_word":2603,"sentiment":"negative","sentiment_score":-0.3591422736644745},{"text":"And then I know Yeah. I think Yep. we got missed there. And then all of a sudden, we changed systems, and by the time it came around, there was the email kinda sitting there. But, obviously, we do a lot of managing investments, picking and choosing investments for clients, that kind of thing. Is Yeah. it more so Yeah. just trying to have a bit more, like, direct control over it? So, you know, you can obviously lower the fees, have the member direct pick the stocks yourself. Like, Mhmm. what what do you find I about think that process? I I think I'm going more for a nothing move and leave it alone kind of approach, Yes. if you know what I mean. Like, it's it's it's more of a, you know, the the tortoise race, if you know what I mean.","start_word":2604,"end_word":2747,"sentiment":"neutral","sentiment_score":0.013609938323497772},{"text":"Like, just trying to go for the the I don't I don't have to have anything moved. I don't have to worry about it. It sits there, and it does its own thing. And I I know what it's doing.","start_word":2748,"end_word":2787,"sentiment":"positive","sentiment_score":0.4030072987079621},{"text":"You know what I mean? Gotcha.","start_word":2788,"end_word":2793,"sentiment":"neutral","sentiment_score":0.2095475196838379},{"text":"And I and I do follow the banks quite like well, when I say quite closely, I I just it it's just what I have interest in watching, if you know what I mean. Like, I do I do like seeing that. So I think it's also a little bit of a feel good in myself as well, like, knowing that Yeah.","start_word":2794,"end_word":2855,"sentiment":"positive","sentiment_score":0.451129287481308},{"text":"I've I've done that as Yeah. well. You know? I I I think I get a little bit lost in the whole, like, seeing transactions and not even know like, when I look at it, I'm not even knowing if they're going in and out.","start_word":2856,"end_word":2900,"sentiment":"neutral","sentiment_score":-0.08941815048456192},{"text":"I'm not really paying K.","start_word":2901,"end_word":2905,"sentiment":"negative","sentiment_score":-0.3525189161300659},{"text":"that much of attention. So Yeah. I think I get a little bit like maybe even like a would you say just overwhelmed just knowing that that's happening or seeing that that's happened? You know what I mean? I think Yeah. it's just All a personal these moving thing. parts that you can't really sort of see Yeah. or Yeah. Yeah. Things know that what's are mine going that on are with out of your my money. control. Yeah. Yeah. Yeah. Yeah. So you can probably see where my head's at with it. Like, I'm sort of not it's it's it's nothing to do with, like, you know, Yeah. not performing or not you know what I mean?","start_word":2906,"end_word":3023,"sentiment":"neutral","sentiment_score":-0.11170537769794464},{"text":"I think I'm paying a lot of fees for something I don't really want, if you know what I mean.","start_word":3024,"end_word":3043,"sentiment":"negative","sentiment_score":-0.35475656390190125},{"text":"Yeah. So that's that's where I'm sort of at. I wanted to sorta I've I've done a bit of a shop around to see what was one of the cheapest admin, cheapest fees, and that that have that option for me to be able to do that. Yep.","start_word":3044,"end_word":3091,"sentiment":"neutral","sentiment_score":0.07015486061573029},{"text":"I think So that's really cool that you've actually gone to that depth of not just checking some fees and rolling to any old fund because it says the new in the news, they're the top 10, but actually finding something yep. that has the investment structure that you want.","start_word":3092,"end_word":3141,"sentiment":"positive","sentiment_score":0.47456851601600647},{"text":"Direct Yeah. shares, Yeah. Well, members direct.","start_word":3142,"end_word":3148,"sentiment":"neutral","sentiment_score":0.07639582455158234},{"text":"you It's know a cool thing to do.","start_word":3149,"end_word":3156,"sentiment":"positive","sentiment_score":0.33964747190475464},{"text":"Not many people do. yeah. A 100%, man. And and and to be honest, it's it's probably been a lot more step in headspace and control, I think. Like, it's not it's not really a yeah. You know what I mean? But it it sort of it it helps me organize something for myself. You know? So it it it's a lot more on a personal level than it is on a a business level, if you know what I mean. Yeah. 100. So I guess the the last thing I wanna sort of say is that what would have happened had you remained in Hub twenty four and a and a client of Oakview, just so you can sort of see it in your mind, is we go through the annual review in the first quarter of the year. Yep. We have Dana who would have been sort of your, I guess, direct adviser throughout the year looking after it. She would have gone Yep. through your performance. Yep.","start_word":3157,"end_word":3326,"sentiment":"neutral","sentiment_score":0.12063385546207428},{"text":"It's great. It's up 13%.","start_word":3327,"end_word":3331,"sentiment":"positive","sentiment_score":0.4168853759765625},{"text":"This option's up 30. This one's up 50. One of them's Yeah. underperformed, Yep. so let's just chop this option and switch it to that one and just boost things up a little bit, and that's probably Yep. the conversation that you were gonna have. Yeah. Yep. Yep. Yeah. And that's fine. Like, that's see, I like that in a way, and then in another way, it doesn't quite suit me as well. Yeah. That that that approach, like, it's nice to have someone like, I've always loved the interaction that I've had, but I think the biggest thing for me is putting the time aside to do it and then trying to think about it as well. You Yeah. know? Like, I think it it it adds to my plate.","start_word":3332,"end_word":3462,"sentiment":"neutral","sentiment_score":0.135217935273438},{"text":"So I think this year has been a real big, like, for me. I'm trying to take things off my plate.","start_word":3463,"end_word":3483,"sentiment":"negative","sentiment_score":-0.4047341048717499},{"text":"So that's that that's where that you know? As as good as that is, it's it's also a bit of a, like it's it's adding, if you know what I mean. It's it's Yeah. adding to It's my plate. a bit of So a timing and position, isn't it, yeah. to Yeah. line up an appointment and then go Yeah. through Yep. Yep. a And second I or you know? third chat to understand it? Yeah. A 100%.","start_word":3484,"end_word":3561,"sentiment":"neutral","sentiment_score":-0.06115644797682762},{"text":"Like, I I feel terrible when I'm playing this cat and mouse game trying to, like, call you guys back, and and it's not just you either.","start_word":3562,"end_word":3588,"sentiment":"negative","sentiment_score":-0.5219482183456421},{"text":"I got a 100 other things that I'm trying to organize at the same time that I'm doing Yeah.","start_word":3589,"end_word":3607,"sentiment":"neutral","sentiment_score":-0.3000124990940094},{"text":"exactly the same thing too, man. And and not only that, I reckon a good bet maybe 40 to 60% of the bloody calls that I'm getting that are important come up as phishing or spam.","start_word":3608,"end_word":3643,"sentiment":"negative","sentiment_score":-0.43140244483947754},{"text":"So, like, Hey.","start_word":3644,"end_word":3646,"sentiment":"neutral","sentiment_score":-0.26762109994888306},{"text":"I've I don't I've even been answer having a bit my of phone number. Someone leaves a voice mail or calls oh, twice, so no it's one like does these that, man.","start_word":3647,"end_word":3678,"sentiment":"negative","sentiment_score":-0.3620925843715668},{"text":"days. Yeah. Yeah.","start_word":3679,"end_word":3681,"sentiment":"neutral","sentiment_score":-0.2196392267942429},{"text":"So and it's also like, you know, and it it really sort of puts me off being at like, having to drop everything I do to take that call.","start_word":3682,"end_word":3710,"sentiment":"negative","sentiment_score":-0.39652684330940247},{"text":"So I think Yeah. it's yeah. Yeah. And, like, nothing wrong. Like like, the way you guys organize it, it's not like you just call out of the blue.","start_word":3711,"end_word":3739,"sentiment":"neutral","sentiment_score":-0.20466621220111847},{"text":"Like, there is warning beforehand, but then there's like, retaining that information that I'm gonna get a call is also a problem.","start_word":3740,"end_word":3761,"sentiment":"negative","sentiment_score":-0.3644740581512451},{"text":"So Yeah. Absolutely. yeah, as you just found today, you caught me in the shower. So No.","start_word":3762,"end_word":3778,"sentiment":"neutral","sentiment_score":0.06292220205068588},{"text":"That's awesome, Ricky. Look, I do appreciate your your transparency and and your candidness.","start_word":3779,"end_word":3792,"sentiment":"positive","sentiment_score":0.4522731304168701},{"text":"yep. Last couple of things to just be aware of is just make sure you sort out your beneficiaries with AustralianSuper. You're Yep. obviously sorting out the investments. We'll sort Yep. out the enduring rollover for your insurances.","start_word":3793,"end_word":3830,"sentiment":"neutral","sentiment_score":0.03772342832464921},{"text":"Everything's looking pretty good there. Beautiful. And Yep. you should be pretty well okay. Awesome, man, and I appreciate that.","start_word":3831,"end_word":3850,"sentiment":"positive","sentiment_score":0.6086961627006531},{"text":"Yeah. No worries at all, mate. If you ever do need anything, give us a buzz. We'll obviously, all of our contact numbers will still be through like, you've got our details, website, and then obviously through AIA as well if you ever forget who we are kind of thing. Yeah. Yep. Yep. But, again, let's say, new year, next year, you wanna do a bit of a trim down of those insurances. Just give us a buzz, and we can do some alterations together.","start_word":3851,"end_word":3935,"sentiment":"neutral","sentiment_score":0.06507282704114914},{"text":"Oh, that'd be fantastic, man. I really appreciate that.","start_word":3936,"end_word":3944,"sentiment":"positive","sentiment_score":0.49800553917884827},{"text":"Do you mind doing me a favor? Are you able to just shoot Yeah. me with, like, an email so I've got something to sort of refer back to? Just just an email with your details or something so that I've I can call back and know who I'm calling, you know, like, I'll remember that I've I've got someone to call, but I just won't remember. Yeah. I mean, I'll have to go back and try and find it in my emails. So if if you email me something, I'll have something to refer to. You know what I mean? Yeah. I might do that. Like, I think as part of our account closure process, we'll send an email anyway, and I might include Yep. that enduring rollover form with it. So that way, Yeah. you've got a a written record that way. So I'll just get Michelle to add a couple of things to that if that's alright. Yeah.","start_word":3945,"end_word":4105,"sentiment":"neutral","sentiment_score":0.04840879887342453},{"text":"Legend, man. That's exactly what I need. Thank you. Easy done.","start_word":4106,"end_word":4116,"sentiment":"positive","sentiment_score":0.5383001565933228},{"text":"Do you have any more questions for me before I let you go? No. I think that's it. Yeah. I think the insurance and where I'm at with yeah. Yeah. No. With with the cash and stuff. So no.","start_word":4117,"end_word":4155,"sentiment":"neutral","sentiment_score":0.0038302658746639886},{"text":"That's perfect, man. I appreciate Awesome. that. I think.","start_word":4156,"end_word":4164,"sentiment":"positive","sentiment_score":0.529899001121521},{"text":"No worries at all, mate.","start_word":4165,"end_word":4169,"sentiment":"neutral","sentiment_score":0.3229854702949524},{"text":"Well, thank you so much for your time. Yeah. All the best with the shares and everything, and thank you again. Yeah. Thanks, dude. I appreciate that, man. Awesome. Maybe done.","start_word":4170,"end_word":4200,"sentiment":"positive","sentiment_score":0.5934351086616516},{"text":"I need Alright. anything. Give it to Buzz. Legend, man.","start_word":4201,"end_word":4210,"sentiment":"neutral","sentiment_score":0.2324359118938446},{"text":"Awesome. Thanks for that, dude. Alright. See you later.","start_word":4211,"end_word":4219,"sentiment":"positive","sentiment_score":0.5740214586257935},{"text":"Bye. Yeah. Bye.","start_word":4220,"end_word":4222,"sentiment":"neutral","sentiment_score":0.17735770344734192}],"average":{"sentiment":"neutral","sentiment_score":0.03547899296425931}}}}