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I just had a couple of additional questions to go through with you. Do you have just five minutes available for me at the moment? Yeah. Fantastic. So I got your email, and I've been doing the research ready for the advice for next week for you. Just wanted to find out. So I'm having a look at the different options on how we look to get contributions in tax deductibility wise this year as well as next year. So you're wanting to try and maybe get some extra contributions in next financial year as well. Is that right? Yeah. That's okay. With the where the money would be coming from. So I've gone through and done a bit of research. I've got a bit of an idea of what we wanna do with the research and the advice side of things. What I'm kind of wondering is, I know you guys have your home loan is a 100% off debt. Would the money for these extra contributions be coming from the home loan, or do you have other savings? Or where would that money be coming from, essentially? You have other savings accounts? Can I get a bit more detail on how much you have in those savings accounts and how many of them you actually have? So sorry. Just so I can make sure that, you know, money is being distributed and that we're not overextending things with the advice. It's what's easier for you? I did send you an email earlier just sort of asking if you can clarify where the savings are. If it's easy, you can email me back. Or if you've got some time you wanna just run through on the phone, I can take notes down now. What's easier for you? Yes. Absolutely. Perfect. What do we got? Yep. Okay. Beautiful. Yeah. I love it. Yep. Okay. Yeah. No. That's okay. Because your loan's basically a 100% paid off. You just got that 2 thousand sitting there, isn't it? Yeah. Yep. That's okay. And the loan was technically I think from what I understand, the loan was technically you had a 100,000 owing on it, but you've kind of paid it off, and you've just got that 2,000 open. Am I correct in that understanding? Yep. Beautiful. Fantastic. So any additional contributions would be coming from that other savings account with the $1.50 in there. The other thing is if I was to look at salary sacrificing as another option for the next five to a year, are you comfortable taking more out of your income, or are you finding that you'd prefer just to maybe have a lump sum at the end of the year? What would you lump sum? Yep. That's okay. So steer away from. Yep. Yeah. That's okay. Not a problem at all. I've got some great ideas, and I've had a really good look at things. Now your balance is very close to that 500,000 mark. You've had some good growth over the over the time, but I've come up with a plan that should allow us to access the deductible contributions next year for you as well. It's just a matter of making sure the market abides by what I what I wanted to do for you. So for one more year. Yeah. Yes. It does. And I've absolutely. And I'm working on a plan to sort of help you with that. I've done a lot of research. I've got a really good idea of how we're gonna structure things. I just need to finalize those last couple of details there for you. And then on Tuesday, we'll go through the advice, and you can decide what you wanna do. How does that sound? Yep. Beautiful. Oh, the last question is, I know you got a pay rise this year. Are you expecting another pay rise next year at all? 4% pay rise. Yeah. And you're on 200,000 now, so I'll just add an extra 4% on there just so I'm allowing for a buffer when we look at your employer contributions. That's all. And when do you know when that 4% should be due to be added? In January. Okay. Perfect. No. Excellent. Thank you so much for that. That's everything I needed. I really appreciate your time. I did send you an email after, but I thought, look. You'll be getting home from work, and you've got family life and dinner, and you're probably exhausted. So I thought, if it's okay, I'll give you a quick call, run through this now, and then I've got down that information to finish the research for you. So you can ignore that email if you like. But thank you so much for that. I'll get things finished and finalized for Tuesday for you. I'm looking forward to going through it with you. Thanks, Paul. You enjoy your evening. Rest up. Thanks. See you later. 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Paul. It's Dana from Oakey Financial. How are you this afternoon? I'm very well. Thank you.\n\nI just thought if it's okay, I'll give you a quick off the cuff call. I just had a couple of additional questions to go through with you. Do you have just five minutes available for me at the moment? Yeah. Fantastic.\n\nSo I got your email, and I've been doing the research ready for the advice for next week for you. Just wanted to find out. So I'm having a look at the different options on how we look to get contributions in tax deductibility wise this year as well as next year. So you're wanting to try and maybe get some extra contributions in next financial year as well. Is that right?\n\nYeah. That's okay. With the where the money would be coming from. So I've gone through and done a bit of research. I've got a bit of an idea of what we wanna do with the research and the advice side of things.\n\nWhat I'm kind of wondering is, I know you guys have your home loan is a 100% off debt. Would the money for these extra contributions be coming from the home loan, or do you have other savings? Or where would that money be coming from, essentially? You have other savings accounts? Can I get a bit more detail on how much you have in those savings accounts and how many of them you actually have?\n\nSo sorry. Just so I can make sure that, you know, money is being distributed and that we're not overextending things with the advice. It's what's easier for you? I did send you an email earlier just sort of asking if you can clarify where the savings are. If it's easy, you can email me back.\n\nOr if you've got some time you wanna just run through on the phone, I can take notes down now. What's easier for you? Yes. Absolutely. Perfect.\n\nWhat do we got? Yep. Okay. Beautiful. Yeah.\n\nI love it. Yep. Okay. Yeah. No.\n\nThat's okay. Because your loan's basically a 100% paid off. You just got that 2 thousand sitting there, isn't it? Yeah. Yep.\n\nThat's okay. And the loan was technically I think from what I understand, the loan was technically you had a 100,000 owing on it, but you've kind of paid it off, and you've just got that 2,000 open. Am I correct in that understanding? Yep. Beautiful.\n\nFantastic. So any additional contributions would be coming from that other savings account with the $1.50 in there. The other thing is if I was to look at salary sacrificing as another option for the next five to a year, are you comfortable taking more out of your income, or are you finding that you'd prefer just to maybe have a lump sum at the end of the year? What would you lump sum? Yep.\n\nThat's okay. So steer away from. Yep. Yeah. That's okay.\n\nNot a problem at all. I've got some great ideas, and I've had a really good look at things. Now your balance is very close to that 500,000 mark. You've had some good growth over the over the time, but I've come up with a plan that should allow us to access the deductible contributions next year for you as well. It's just a matter of making sure the market abides by what I what I wanted to do for you.\n\nSo for one more year. Yeah. Yes. It does. And I've absolutely.\n\nAnd I'm working on a plan to sort of help you with that. I've done a lot of research. I've got a really good idea of how we're gonna structure things. I just need to finalize those last couple of details there for you. And then on Tuesday, we'll go through the advice, and you can decide what you wanna do.\n\nHow does that sound? Yep. Beautiful. Oh, the last question is, I know you got a pay rise this year. Are you expecting another pay rise next year at all?\n\n4% pay rise. Yeah. And you're on 200,000 now, so I'll just add an extra 4% on there just so I'm allowing for a buffer when we look at your employer contributions. That's all. And when do you know when that 4% should be due to be added?\n\nIn January. Okay. Perfect. No. Excellent.\n\nThank you so much for that. That's everything I needed. I really appreciate your time. I did send you an email after, but I thought, look. You'll be getting home from work, and you've got family life and dinner, and you're probably exhausted.\n\nSo I thought, if it's okay, I'll give you a quick call, run through this now, and then I've got down that information to finish the research for you. So you can ignore that email if you like. But thank you so much for that. I'll get things finished and finalized for Tuesday for you. I'm looking forward to going through it with you.\n\nThanks, Paul. You enjoy your evening. Rest up. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey, Paul.","start":2.3999999,"end":2.96,"sentiment":"neutral","sentiment_score":0.12314845621585846},{"text":"It's Dana from Oakey Financial.","start":2.96,"end":4.5,"sentiment":"neutral","sentiment_score":0.1738423854112625},{"text":"How are you this afternoon?","start":4.56,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2385608196258545},{"text":"I'm very well.","start":7.44,"end":8.48,"sentiment":"positive","sentiment_score":0.6567037304242452},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.7331399023532867}],"sentiment":"positive","sentiment_score":0.33792376079980063,"num_words":17,"start":2.3999999,"end":8.96},{"sentences":[{"text":"I just thought if it's okay, I'll give you a quick off the cuff call.","start":8.96,"end":12.0,"sentiment":"neutral","sentiment_score":0.23199906746546428},{"text":"I just had a couple of additional questions to go through with 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in tax deductibility wise this year as well as next year.","start":27.215,"end":36.41,"sentiment":"neutral","sentiment_score":0.17776423885866446},{"text":"So you're wanting to try and maybe get some extra contributions in next financial year as well.","start":36.41,"end":42.17,"sentiment":"neutral","sentiment_score":0.19611917436122894},{"text":"Is that right?","start":42.17,"end":43.07,"sentiment":"neutral","sentiment_score":0.10771487653255463}],"sentiment":"neutral","sentiment_score":0.2526263043077456,"num_words":72,"start":20.335,"end":43.07},{"sentences":[{"text":"Yeah.","start":44.425,"end":44.665,"sentiment":"neutral","sentiment_score":0.13047364354133606},{"text":"That's okay.","start":44.665,"end":45.485,"sentiment":"neutral","sentiment_score":0.18843600153923035},{"text":"With the where the money would be coming from.","start":45.945,"end":48.505,"sentiment":"neutral","sentiment_score":0.03513838868174288},{"text":"So I've gone through and done a bit of research.","start":48.505,"end":50.345,"sentiment":"neutral","sentiment_score":0.10189587324857712},{"text":"I've got a bit of an idea of what we wanna do with the research and the advice side of things.","start":50.345,"end":54.425,"sentiment":"neutral","sentiment_score":0.1774859470980508}],"sentiment":"neutral","sentiment_score":0.12952918061163537,"num_words":43,"start":44.425,"end":54.425},{"sentences":[{"text":"What I'm kind of wondering is, I know you guys have your home loan is a 100% off debt.","start":54.425,"end":59.78,"sentiment":"neutral","sentiment_score":0.05242844514156643},{"text":"Would the money for these extra contributions be coming from the home loan, or do you have other savings?","start":59.84,"end":65.299995,"sentiment":"neutral","sentiment_score":0.00893028952965611},{"text":"Or where would that money be coming from, essentially?","start":65.36,"end":67.619995,"sentiment":"neutral","sentiment_score":-0.01323667499754164},{"text":"You have other savings accounts?","start":69.84,"end":71.295,"sentiment":"neutral","sentiment_score":0.014962499961256981},{"text":"Can I get a bit more detail on how much you have in those savings accounts and how many of them you actually have?","start":71.695,"end":77.134995,"sentiment":"neutral","sentiment_score":0.022197664870570104}],"sentiment":"neutral","sentiment_score":0.02176634658520159,"num_words":76,"start":54.425,"end":77.134995},{"sentences":[{"text":"So sorry.","start":77.134995,"end":77.615,"sentiment":"neutral","sentiment_score":-0.06710172444581985},{"text":"Just so I can make sure that, you know, money is being distributed and that we're not overextending things with the advice.","start":77.615,"end":83.475,"sentiment":"neutral","sentiment_score":0.1137156051329591},{"text":"It's what's easier for you?","start":88.979996,"end":90.34,"sentiment":"neutral","sentiment_score":0.038423191010952},{"text":"I did send you an email earlier just sort of asking if you can clarify where the savings are.","start":90.34,"end":94.84,"sentiment":"neutral","sentiment_score":0.06051365462572951},{"text":"If it's easy, you can email me back.","start":94.899994,"end":96.82,"sentiment":"neutral","sentiment_score":0.11143951397389174}],"sentiment":"neutral","sentiment_score":0.08215948872800384,"num_words":56,"start":77.134995,"end":96.82},{"sentences":[{"text":"Or if you've got some time you wanna just run through on the phone, I can take notes down now.","start":96.82,"end":101.075005,"sentiment":"neutral","sentiment_score":0.08868318144232035},{"text":"What's easier for you?","start":101.075005,"end":102.455,"sentiment":"neutral","sentiment_score":0.12409353628754616},{"text":"Yes.","start":104.435005,"end":104.935005,"sentiment":"neutral","sentiment_score":0.11475690454244614},{"text":"Absolutely.","start":105.155,"end":105.655,"sentiment":"neutral","sentiment_score":0.22592833638191223},{"text":"Perfect.","start":106.435005,"end":106.935005,"sentiment":"positive","sentiment_score":0.424177348613739}],"sentiment":"neutral","sentiment_score":0.11240371716795144,"num_words":27,"start":96.82,"end":106.935005},{"sentences":[{"text":"What do we got?","start":107.875,"end":109.015,"sentiment":"neutral","sentiment_score":0.019501653499901295},{"text":"Yep.","start":113.33,"end":113.83,"sentiment":"neutral","sentiment_score":0.0936666578054428},{"text":"Okay.","start":118.21,"end":118.69,"sentiment":"positive","sentiment_score":0.5361025929450989},{"text":"Beautiful.","start":118.69,"end":119.19,"sentiment":"positive","sentiment_score":0.7479357719421387},{"text":"Yeah.","start":122.85,"end":123.35,"sentiment":"positive","sentiment_score":0.535881519317627}],"sentiment":"neutral","sentiment_score":0.24894914450123906,"num_words":8,"start":107.875,"end":123.35},{"sentences":[{"text":"I love it.","start":123.81,"end":124.79,"sentiment":"positive","sentiment_score":0.7131914297739664},{"text":"Yep.","start":129.615,"end":130.115,"sentiment":"neutral","sentiment_score":0.1090402826666832},{"text":"Okay.","start":136.175,"end":136.675,"sentiment":"neutral","sentiment_score":0.06533801555633545},{"text":"Yeah.","start":142.67,"end":142.98999,"sentiment":"neutral","sentiment_score":0.040298525243997574},{"text":"No.","start":142.98999,"end":143.23,"sentiment":"neutral","sentiment_score":-0.052913643419742584}],"sentiment":"neutral","sentiment_score":0.3287624956241676,"num_words":7,"start":123.81,"end":143.23},{"sentences":[{"text":"That's okay.","start":143.23,"end":143.87,"sentiment":"neutral","sentiment_score":0.013987124897539616},{"text":"Because your loan's basically a 100% paid off.","start":143.87,"end":146.34999,"sentiment":"neutral","sentiment_score":0.030553253600373864},{"text":"You just got that 2 thousand sitting there, isn't 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the end of the year?","start":171.54,"end":184.505,"sentiment":"neutral","sentiment_score":-0.019391800587375958},{"text":"What would you lump sum?","start":184.885,"end":188.405,"sentiment":"neutral","sentiment_score":-0.014185135904699563},{"text":"Yep.","start":188.405,"end":188.645,"sentiment":"neutral","sentiment_score":0.025840722024440765}],"sentiment":"neutral","sentiment_score":0.041973429936915635,"num_words":75,"start":164.98,"end":188.645},{"sentences":[{"text":"That's okay.","start":188.645,"end":189.205,"sentiment":"neutral","sentiment_score":0.03658893518149853},{"text":"So steer away from.","start":189.205,"end":190.505,"sentiment":"neutral","sentiment_score":-0.0254057755228132},{"text":"Yep.","start":192.39,"end":192.89,"sentiment":"neutral","sentiment_score":0.049577496945858},{"text":"Yeah.","start":193.10999,"end":193.43,"sentiment":"neutral","sentiment_score":0.06505322456359863},{"text":"That's okay.","start":193.43,"end":194.23,"sentiment":"neutral","sentiment_score":0.09313049167394638}],"sentiment":"neutral","sentiment_score":0.027244647312909365,"num_words":10,"start":188.645,"end":194.23},{"sentences":[{"text":"Not a problem at all.","start":194.23,"end":195.18999,"sentiment":"neutral","sentiment_score":0.16598173081874848},{"text":"I've got some great ideas, and I've had a really good look at things.","start":195.18999,"end":198.23,"sentiment":"positive","sentiment_score":0.5298013985157013},{"text":"Now your balance is very close to that 500,000 mark.","start":198.23,"end":201.34999,"sentiment":"positive","sentiment_score":0.436581614613533},{"text":"You've had some good growth over the over the time, but I've come up with a plan that should allow us to access the deductible contributions next year for you as well.","start":201.34999,"end":212.285,"sentiment":"neutral","sentiment_score":0.2627170169726014},{"text":"It's just a matter of making sure the market abides by what I what I wanted to do for you.","start":212.285,"end":216.685,"sentiment":"neutral","sentiment_score":0.09752044174820185}],"sentiment":"neutral","sentiment_score":0.28358392293254536,"num_words":81,"start":194.23,"end":216.685},{"sentences":[{"text":"So for one more year.","start":216.685,"end":222.81999,"sentiment":"neutral","sentiment_score":0.006194587424397468},{"text":"Yeah.","start":223.51999,"end":223.92,"sentiment":"neutral","sentiment_score":0.04732777550816536},{"text":"Yes.","start":223.92,"end":224.42,"sentiment":"neutral","sentiment_score":0.0859488770365715},{"text":"It does.","start":224.64,"end":225.2,"sentiment":"neutral","sentiment_score":0.08443289995193481},{"text":"And I've absolutely.","start":225.2,"end":228.09999,"sentiment":"neutral","sentiment_score":0.27025479078292847}],"sentiment":"neutral","sentiment_score":0.0953233134932816,"num_words":12,"start":216.685,"end":228.09999},{"sentences":[{"text":"And I'm working on a plan to sort of help you with 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January.","start":271.305,"end":272.04498,"sentiment":"neutral","sentiment_score":0.006793974200263619},{"text":"Okay.","start":272.185,"end":272.585,"sentiment":"neutral","sentiment_score":0.08182042837142944},{"text":"Perfect.","start":272.585,"end":273.085,"sentiment":"neutral","sentiment_score":0.18541178107261655},{"text":"No.","start":273.305,"end":273.54498,"sentiment":"neutral","sentiment_score":0.11415639519691469},{"text":"Excellent.","start":273.54498,"end":274.04498,"sentiment":"neutral","sentiment_score":0.3086223602294922}],"sentiment":"neutral","sentiment_score":0.11726648554516335,"num_words":6,"start":271.305,"end":274.04498},{"sentences":[{"text":"Thank you so much for that.","start":274.10498,"end":275.88498,"sentiment":"positive","sentiment_score":0.5286506513754526},{"text":"That's everything I needed.","start":276.025,"end":277.565,"sentiment":"positive","sentiment_score":0.5618113428354263},{"text":"I really appreciate your 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that.","start":295.455,"end":297.135,"sentiment":"positive","sentiment_score":0.37662106113774435},{"text":"I'll get things finished and finalized for Tuesday for you.","start":297.135,"end":299.935,"sentiment":"positive","sentiment_score":0.5956118136644364},{"text":"I'm looking forward to going through it with you.","start":299.935,"end":301.9109,"sentiment":"positive","sentiment_score":0.7934279574288262}],"sentiment":"neutral","sentiment_score":0.32951892557321116,"num_words":64,"start":285.92,"end":301.9109},{"sentences":[{"text":"Thanks, Paul.","start":304.15088,"end":304.7909,"sentiment":"positive","sentiment_score":0.8563354015350342},{"text":"You enjoy your evening.","start":304.7909,"end":306.09088,"sentiment":"positive","sentiment_score":0.8300891220569611},{"text":"Rest 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Paul speaking. Good. Thanks. How are you? Yes. That's fine. Yep. Yep. Yep. We have other savings. Yep. Yep. Yep. That might be a drama at all. Do you want me to tell you how to find or send it through to you? Or yep. Yep. No. I can just run through it over the phone. Yep. Yep. Yep. No. For sure. So I so we only have one savings account as such. There's a $150,000 in it. And, you know, we're good little favors. And and we just have that offset account in which there's only, like, $10,000 sitting in it because all the rest of it is just sitting off the line, but and it's just like literally paying off a dollar and $2 a week. But it's still open. Yeah. They are. Yep. Yep. Yep. Yep. Yeah. Yep. I was thinking more of a lump sum at the end of the year. Yep. And that way, I thought we might manage it easier too. Yep. Yeah. Yeah. Yeah. Yeah. I was just hoping, like, we could stay underneath that 500,000 for this financial year as well. Does that make sense? 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Paul speaking. Good. Thanks. How are you?\n\nYes. That's fine. Yep. Yep. Yep.\n\nWe have other savings. Yep. Yep. Yep. That might be a drama at all.\n\nDo you want me to tell you how to find or send it through to you? Or yep. Yep. No. I can just run through it over the phone.\n\nYep. Yep. Yep. No. For sure.\n\nSo I so we only have one savings account as such. There's a $150,000 in it. And, you know, we're good little favors. And and we just have that offset account in which there's only, like, $10,000 sitting in it because all the rest of it is just sitting off the line, but and it's just like literally paying off a dollar and $2 a week. But it's still open.\n\nYeah. They are. Yep. Yep. Yep.\n\nYep. Yeah. Yep. I was thinking more of a lump sum at the end of the year. Yep.\n\nAnd that way, I thought we might manage it easier too. Yep. Yeah. Yeah. Yeah.\n\nYeah. I was just hoping, like, we could stay underneath that 500,000 for this financial year as well. Does that make sense? 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such.","start":109.335,"end":113.75,"sentiment":"neutral","sentiment_score":0.0405675047500567},{"text":"There's a $150,000 in it.","start":114.77,"end":117.75,"sentiment":"neutral","sentiment_score":0.175034698843956},{"text":"And, you know, we're good little favors.","start":120.28999,"end":121.909996,"sentiment":"positive","sentiment_score":0.6186531952449253},{"text":"And and we just have that offset account in which there's only, like, $10,000 sitting in it because all the rest of it is just sitting off the line, but and it's just like literally paying off a dollar and $2 a week.","start":123.81,"end":142.2,"sentiment":"neutral","sentiment_score":0.15609438803999923},{"text":"But it's still 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sense?","start":223.225,"end":224.365,"sentiment":"neutral","sentiment_score":0.04180875653401017},{"text":"And then that way, we can roll it into next year as well.","start":224.425,"end":227.1,"sentiment":"neutral","sentiment_score":0.10050534628904782},{"text":"Yep.","start":234.06001,"end":234.56001,"sentiment":"neutral","sentiment_score":0.1576898992061615}],"sentiment":"neutral","sentiment_score":0.05353723419830203,"num_words":36,"start":216.905,"end":234.56001},{"sentences":[{"text":"Yep.","start":243.115,"end":243.435,"sentiment":"neutral","sentiment_score":0.17784540355205536},{"text":"Beautiful.","start":243.435,"end":243.935,"sentiment":"positive","sentiment_score":0.4588058888912201},{"text":"Yeah.","start":251.675,"end":252.175,"sentiment":"neutral","sentiment_score":0.03420296311378479},{"text":"It'll be a full 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good.","start":295.72,"end":296.46,"sentiment":"neutral","sentiment_score":0.3090319484472275}],"sentiment":"neutral","sentiment_score":0.07372531229630112,"num_words":10,"start":293.0,"end":296.46},{"sentences":[{"text":"Beautiful.","start":302.195,"end":302.595,"sentiment":"positive","sentiment_score":0.824559211730957},{"text":"Alright.","start":302.595,"end":302.995,"sentiment":"positive","sentiment_score":0.7559255361557007},{"text":"Sounds good.","start":302.995,"end":303.815,"sentiment":"positive","sentiment_score":0.8605499565601349},{"text":"You too.","start":306.835,"end":307.395,"sentiment":"positive","sentiment_score":0.4433249831199646},{"text":"Alright.","start":307.395,"end":307.635,"sentiment":"neutral","sentiment_score":0.26405882835388184}],"sentiment":"positive","sentiment_score":0.636041922228677,"num_words":7,"start":302.195,"end":307.635},{"sentences":[{"text":"Say hello.","start":307.635,"end":308.29498,"sentiment":"neutral","sentiment_score":0.31750501692295074},{"text":"Alright.","start":308.995,"end":309.315,"sentiment":"neutral","sentiment_score":0.2717827260494232},{"text":"Bye.","start":309.315,"end":309.815,"sentiment":"neutral","sentiment_score":0.14361613988876343}],"sentiment":"neutral","sentiment_score":0.26260222494602203,"num_words":4,"start":307.635,"end":309.815}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Paul speaking.\n\nChannel 0: Hey, Paul. It's Dana from Oakey Financial. How are you this afternoon?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. I just thought if it's okay, I'll give you a quick off the cuff call. I just had a couple of additional questions to go through with you. Do you have just five minutes available for me at the moment?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Yeah. Fantastic. So I got your email, and I've been doing the research ready for the advice for next week for you.\n\nChannel 1: Yep.\n\nChannel 0: Just wanted to find out. So I'm having a look at the different options on how we look to get contributions in tax deductibility wise this year as well as next year. So you're wanting to try and maybe get some extra contributions in next financial year as well. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. That's okay. With the where the money would be coming from. So I've gone through and done a bit of research. I've got a bit of an idea of what we wanna do with the research and the advice side of things.\n\nWhat I'm kind of wondering is, I know you guys have your home loan is a 100% off debt. Would the\n\nChannel 1: Yep.\n\nChannel 0: money for these extra contributions be coming from the home loan, or do you have other savings? Or where would that money be coming from, essentially?\n\nChannel 1: We have other savings.\n\nChannel 0: You have other savings accounts?\n\nChannel 1: Yep.\n\nChannel 0: Can\n\nChannel 1: Yep.\n\nChannel 0: I get a bit more detail on how much you have in those savings accounts and how many of them you actually have? So sorry. Just so I can make sure that, you know, money is being distributed and that we're not overextending things with the advice.\n\nChannel 1: Yep. That might be a drama at all. Do you want me to tell you how to find or send it through to you? Or\n\nChannel 0: It's what's easier for you? I did send you an email earlier just sort of asking if you can clarify where the savings are. If it's\n\nChannel 1: yep.\n\nChannel 0: easy, you can email me back. Or if you've got some time you wanna just run through on the phone, I can take notes down now. What's easier for you?\n\nChannel 1: Yep. No. I can just run through it over the phone.\n\nChannel 0: Yes. Absolutely.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: No. For sure.\n\nChannel 0: What do we got?\n\nChannel 1: So I so we only have one savings account as such.\n\nChannel 0: Yep.\n\nChannel 1: There's a $150,000 in it.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: And, you know, we're good little favors.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: I love it.\n\nChannel 1: and we just have that offset account\n\nChannel 0: Yep.\n\nChannel 1: in which there's only, like, $10,000 sitting in it because\n\nChannel 0: Okay.\n\nChannel 1: all the rest of it is just sitting off the line, but and it's just like literally paying off a dollar and $2 a week.\n\nChannel 0: Yeah. No. That's okay. Because your\n\nChannel 1: But\n\nChannel 0: loan's\n\nChannel 1: it's still\n\nChannel 0: basically\n\nChannel 1: open.\n\nChannel 0: a 100% paid off. You just got\n\nChannel 1: Yeah.\n\nChannel 0: that 2\n\nChannel 1: They are.\n\nChannel 0: thousand sitting there, isn't it? Yeah.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. That's okay. And the loan was technically I think from what I understand, the loan was technically you had a 100,000 owing on it, but you've kind of paid it off, and you've just got that 2,000 open. Am I correct in that understanding?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. Fantastic. So any additional contributions would be coming from that other savings account with the $1.50 in there.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: The other thing is if I was to look at salary sacrificing as another option for the next five to a year, are you comfortable taking more out of your income, or are you finding that you'd prefer just to maybe have a lump sum at the end of the year? What\n\nChannel 1: I was\n\nChannel 0: would\n\nChannel 1: thinking\n\nChannel 0: you\n\nChannel 1: more of a lump sum at the end of the year.\n\nChannel 0: lump sum? Yep. That's okay.\n\nChannel 1: Yep.\n\nChannel 0: So steer\n\nChannel 1: And that\n\nChannel 0: away\n\nChannel 1: way,\n\nChannel 0: from.\n\nChannel 1: I thought we might manage it easier too.\n\nChannel 0: Yep. Yeah. That's okay. Not a problem\n\nChannel 1: Yep.\n\nChannel 0: at all. I've got some great ideas, and I've had a really good look at things. Now your balance is very close to that 500,000 mark. You've had some good\n\nChannel 1: Yeah.\n\nChannel 0: growth over the over the time, but I've come up with a plan that should allow us to access the deductible contributions next year for you as well. It's just a\n\nChannel 1: Yeah.\n\nChannel 0: matter\n\nChannel 1: Yeah.\n\nChannel 0: of making sure the market abides by what I what I wanted to do for you. So\n\nChannel 1: Yeah. I was just hoping, like, we could stay underneath that 500,000 for this\n\nChannel 0: for one\n\nChannel 1: financial\n\nChannel 0: more year.\n\nChannel 1: year as well. Does that\n\nChannel 0: Yeah.\n\nChannel 1: make sense?\n\nChannel 0: Yes.\n\nChannel 1: And then\n\nChannel 0: It\n\nChannel 1: that way,\n\nChannel 0: does.\n\nChannel 1: we\n\nChannel 0: And\n\nChannel 1: can\n\nChannel 0: I've\n\nChannel 1: roll it into next year as well.\n\nChannel 0: absolutely. And I'm working on a plan to sort of help you with that. I've done a lot of research. I've got a really good idea of how we're gonna structure things. I just need\n\nChannel 1: Yep.\n\nChannel 0: to finalize those last couple of details there for you. And then on Tuesday, we'll go through the advice, and you can decide what you wanna do. How does that sound?\n\nChannel 1: Yep. Beautiful.\n\nChannel 0: Yep. Beautiful. Oh, the last question is, I know you got a pay rise this year. Are you expecting another pay rise next\n\nChannel 1: Yeah. It'll be a full percent.\n\nChannel 0: year at all? 4% pay rise.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And you're on 200,000 now, so I'll just add\n\nChannel 1: Yep.\n\nChannel 0: an extra 4% on there just so I'm allowing for a buffer when we look at your employer contributions. That's all. And when do\n\nChannel 1: Yep.\n\nChannel 0: you know when that 4% should be due to be added?\n\nChannel 1: Usually, we're all zero in January.\n\nChannel 0: In January. Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: No. Excellent. Thank you so much for that. That's everything I needed. I really appreciate your time.\n\nI did send you an email after, but I thought, look. You'll be getting home from work, and you've got family life and dinner, and you're probably exhausted. So I thought, if it's okay, I'll give you a quick call, run through this now, and then I've got down that information to finish the research for you. So\n\nChannel 1: Yep.\n\nChannel 0: you can\n\nChannel 1: Beautiful.\n\nChannel 0: ignore\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: That's\n\nChannel 0: email\n\nChannel 1: not dramas\n\nChannel 0: if you like.\n\nChannel 1: at all. No.\n\nChannel 0: But thank\n\nChannel 1: All\n\nChannel 0: you\n\nChannel 1: good.\n\nChannel 0: so much for that. I'll get things finished and finalized for Tuesday for you. I'm looking forward to going through it with you.\n\nChannel 1: Beautiful. Alright. Sounds good.\n\nChannel 0: Thanks, Paul. You enjoy your evening. Rest up.\n\nChannel 1: You too. Alright. Say hello.\n\nChannel 0: Thanks. See you\n\nChannel 1: Alright.\n\nChannel 0: later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.28,"sentiment":"neutral","sentiment_score":0.027888350188732147},{"text":"Paul speaking.","start":1.28,"end":2.1,"sentiment":"neutral","sentiment_score":0.02516408357769251}],"sentiment":"neutral","sentiment_score":0.026072172448039055,"channel":1,"num_words":3,"start":0.88,"end":2.1},{"sentences":[{"text":"Hey, Paul.","start":2.3999999,"end":2.96,"sentiment":"neutral","sentiment_score":0.12314845621585846},{"text":"It's Dana from Oakey Financial.","start":2.96,"end":4.5,"sentiment":"neutral","sentiment_score":0.1738423854112625},{"text":"How are you this afternoon?","start":4.56,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2385608196258545}],"sentiment":"neutral","sentiment_score":0.1923594114681085,"channel":0,"num_words":12,"start":2.3999999,"end":5.7799997},{"sentences":[{"text":"Good.","start":6.0,"end":6.3199997,"sentiment":"positive","sentiment_score":0.61210036277771},{"text":"Thanks.","start":6.3199997,"end":6.56,"sentiment":"positive","sentiment_score":0.6152273416519165},{"text":"How are you?","start":6.56,"end":7.3799996,"sentiment":"positive","sentiment_score":0.35987308621406555}],"sentiment":"positive","sentiment_score":0.4613893926143646,"channel":1,"num_words":5,"start":6.0,"end":7.3799996},{"sentences":[{"text":"I'm very well.","start":7.44,"end":8.48,"sentiment":"positive","sentiment_score":0.6567037304242452},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.7331399023532867},{"text":"I just thought if it's okay, I'll give you a quick off the cuff call.","start":8.96,"end":12.0,"sentiment":"neutral","sentiment_score":0.23199906746546428},{"text":"I just had a couple of additional questions to go through with you.","start":12.0,"end":15.04,"sentiment":"neutral","sentiment_score":0.11196468942440473},{"text":"Do you have just five minutes available for me at the moment?","start":15.04,"end":17.715,"sentiment":"neutral","sentiment_score":0.038433145731687546}],"sentiment":"neutral","sentiment_score":0.19629146042797302,"channel":0,"num_words":45,"start":7.44,"end":17.715},{"sentences":[{"text":"Yes.","start":18.055,"end":18.375,"sentiment":"neutral","sentiment_score":0.1154649555683136},{"text":"That's fine.","start":18.375,"end":19.115,"sentiment":"neutral","sentiment_score":0.1974155157804489}],"sentiment":"neutral","sentiment_score":0.1700986623764038,"channel":1,"num_words":3,"start":18.055,"end":19.115},{"sentences":[{"text":"Yeah.","start":19.055,"end":19.535,"sentiment":"positive","sentiment_score":0.44589221477508545},{"text":"Fantastic.","start":19.535,"end":20.035,"sentiment":"positive","sentiment_score":0.6820323467254639},{"text":"So I got your email, and I've been doing the research ready for the advice for next week for you.","start":20.335,"end":25.395,"sentiment":"positive","sentiment_score":0.44436629563570024}],"sentiment":"positive","sentiment_score":0.4552386579188434,"channel":0,"num_words":22,"start":19.055,"end":25.395},{"sentences":[{"text":"Yep.","start":25.735,"end":26.1,"sentiment":"neutral","sentiment_score":0.21685722470283508}],"sentiment":"neutral","sentiment_score":0.21685722470283508,"channel":1,"num_words":1,"start":25.735,"end":26.1},{"sentences":[{"text":"Just wanted to find out.","start":26.015,"end":27.215,"sentiment":"neutral","sentiment_score":0.16899259090423585},{"text":"So I'm having a look at the different options on how we look to get contributions in tax deductibility wise this year as well as next year.","start":27.215,"end":36.41,"sentiment":"neutral","sentiment_score":0.17776423885866446},{"text":"So you're wanting to try and maybe get some extra contributions in next financial year as well.","start":36.41,"end":42.17,"sentiment":"neutral","sentiment_score":0.19611917436122894},{"text":"Is that right?","start":42.17,"end":43.07,"sentiment":"neutral","sentiment_score":0.10771487653255463}],"sentiment":"neutral","sentiment_score":0.17888015379699376,"channel":0,"num_words":52,"start":26.015,"end":43.07},{"sentences":[{"text":"Yep.","start":43.605,"end":44.105,"sentiment":"neutral","sentiment_score":0.08746147155761719}],"sentiment":"neutral","sentiment_score":0.08746147155761719,"channel":1,"num_words":1,"start":43.605,"end":44.105},{"sentences":[{"text":"Yeah.","start":44.425,"end":44.665,"sentiment":"neutral","sentiment_score":0.13047364354133606},{"text":"That's okay.","start":44.665,"end":45.485,"sentiment":"neutral","sentiment_score":0.18843600153923035},{"text":"With the where the money would be coming from.","start":45.945,"end":48.505,"sentiment":"neutral","sentiment_score":0.03513838868174288},{"text":"So I've gone through and done a bit of research.","start":48.505,"end":50.345,"sentiment":"neutral","sentiment_score":0.10189587324857712},{"text":"I've got a bit of an idea of what we wanna do with the research and the advice side of things.","start":50.345,"end":54.425,"sentiment":"neutral","sentiment_score":0.1774859470980508}],"sentiment":"neutral","sentiment_score":0.12952918061163537,"channel":0,"num_words":43,"start":44.425,"end":54.425},{"sentences":[{"text":"What I'm kind of wondering is, I know you guys have your home loan is a 100% off debt.","start":54.425,"end":59.78,"sentiment":"neutral","sentiment_score":0.05242844514156643},{"text":"Would the","start":59.84,"end":60.32,"sentiment":"neutral","sentiment_score":0.009945789352059364}],"sentiment":"neutral","sentiment_score":0.04838247792351814,"channel":0,"num_words":21,"start":54.425,"end":60.32},{"sentences":[{"text":"Yep.","start":60.21,"end":60.71,"sentiment":"neutral","sentiment_score":0.022589070722460747}],"sentiment":"neutral","sentiment_score":0.022589070722460747,"channel":1,"num_words":1,"start":60.21,"end":60.71},{"sentences":[{"text":"money for these extra contributions be coming from the home loan, or do you have other savings?","start":60.32,"end":65.299995,"sentiment":"neutral","sentiment_score":0.008810818962314549},{"text":"Or where would that money be coming from, essentially?","start":65.36,"end":67.619995,"sentiment":"neutral","sentiment_score":-0.01323667499754164}],"sentiment":"neutral","sentiment_score":0.001178994130056638,"channel":0,"num_words":26,"start":60.32,"end":67.619995},{"sentences":[{"text":"We have other 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We have other savings.","start_word":209,"end_word":238,"intents":[{"intent":"Figure out source","confidence_score":0.00013508262}]},{"text":"I get a bit more detail on how much you have in those savings accounts and how many of them you actually have? So sorry.","start_word":247,"end_word":271,"intents":[{"intent":"Get details","confidence_score":0.038836565}]},{"text":"Just so I can make sure that, you know, money is being distributed and that we're not overextending things with the advice. Yep.","start_word":273,"end_word":295,"intents":[{"intent":"Ensure money distribution and distribution","confidence_score":0.004774538}]},{"text":"I did send you an email earlier just sort of asking if you can clarify where the savings are.","start_word":324,"end_word":342,"intents":[{"intent":"Clarify savings information","confidence_score":0.0026743733},{"intent":"Disclose savings account status","confidence_score":2.4914382e-7}]},{"text":"There's a $150,000 in it. Okay.","start_word":412,"end_word":417,"intents":[{"intent":"Confirm account balance","confidence_score":0.012188551}]},{"text":"all the rest of it is just sitting off the line, but and it's just like literally paying off a dollar and $2 a week. Yeah.","start_word":450,"end_word":475,"intents":[{"intent":"Confirm payment amount","confidence_score":0.02510494}]},{"text":"And the loan was technically I think from what I understand, the loan was technically you had a 100,000 owing on it, but you've kind of paid it off, and you've just got that 2,000 open. Am I correct in that understanding? Yep.","start_word":511,"end_word":553,"intents":[{"intent":"Clarify loan understanding","confidence_score":0.05902982},{"intent":"Understand financial plans","confidence_score":0.000039328675}]},{"text":"The other thing is if I was to look at salary sacrificing as another option for the next five to a year, are you comfortable taking more out of your income, or are you finding that you'd prefer just to maybe have a lump sum at the end of the year?","start_word":576,"end_word":626,"intents":[{"intent":"Discuss salary options","confidence_score":0.47347355}]},{"text":"growth over the over the time, but I've come up with a plan that should allow us to access the deductible contributions next year for you as well.","start_word":704,"end_word":731,"intents":[{"intent":"Access deductible contributions","confidence_score":0.0544398},{"intent":"Discuss future plans","confidence_score":0.013231444}]},{"text":"to finalize those last couple of details there for you.","start_word":836,"end_word":845,"intents":[{"intent":"Finalize details","confidence_score":0.8961187}]},{"text":"Oh, the last question is, I know you got a pay rise this year. Are you expecting another pay rise next Yeah.","start_word":871,"end_word":892,"intents":[{"intent":"Discuss pay rise","confidence_score":0.14597681},{"intent":"Update about pay rise dates","confidence_score":1.53621e-7}]},{"text":"And you're on 200,000 now, so I'll just add Yep. an extra 4% on there just so I'm allowing for a buffer when we look at your employer contributions. That's all.","start_word":906,"end_word":936,"intents":[{"intent":"Add yep","confidence_score":0.45774448}]},{"text":"you can Beautiful. ignore No. that That's email not dramas if you like. at all.","start_word":1039,"end_word":1053,"intents":[{"intent":"End call","confidence_score":0.08781158}]}]},"sentiments":{"segments":[{"text":"Hello. Paul speaking. Hey, Paul. It's Dana from Oakey Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.15207155048847198},{"text":"Good. Thanks. How are you? I'm very well. Thank you.","start_word":15,"end_word":24,"sentiment":"positive","sentiment_score":0.5877067446708679},{"text":"I just thought if it's okay, I'll give you a quick off the cuff call. I just had a couple of additional questions to go through with you. Do you have just five minutes available for me at the moment? Yes. That's fine.","start_word":25,"end_word":67,"sentiment":"neutral","sentiment_score":0.15058845281600952},{"text":"Yeah. Fantastic. So I got your email, and I've been doing the research ready for the advice for next week for you.","start_word":68,"end_word":89,"sentiment":"positive","sentiment_score":0.45695140957832336},{"text":"Yep. Just wanted to find out. So I'm having a look at the different options on how we look to get contributions in tax deductibility wise this year as well as next year. So you're wanting to try and maybe get some extra contributions in next financial year as well. Is that right? Yep. Yeah. That's okay. With the where the money would be coming from. So I've gone through and done a bit of research. I've got a bit of an idea of what we wanna do with the research and the advice side of things. What I'm kind of wondering is, I know you guys have your home loan is a 100% off debt. Would the Yep. money for these extra contributions be coming from the home loan, or do you have other savings? Or where would that money be coming from, essentially? We have other savings. You have other savings accounts? Yep. Can Yep. I get a bit more detail on how much you have in those savings accounts and how many of them you actually have? So sorry. Just so I can make sure that, you know, money is being distributed and that we're not overextending things with the advice. Yep. That might be a drama at all. Do you want me to tell you how to find or send it through to you? Or It's what's easier for you? I did send you an email earlier just sort of asking if you can clarify where the savings are. If it's yep. easy, you can email me back. Or if you've got some time you wanna just run through on the phone, I can take notes down now. What's easier for you? Yep. No. I can just run through it over the phone. Yes. Absolutely. Yep. Yep. Yep.","start_word":90,"end_word":391,"sentiment":"neutral","sentiment_score":0.07321906810169977},{"text":"Perfect.","start_word":392,"end_word":392,"sentiment":"positive","sentiment_score":0.424177348613739},{"text":"No. For sure. What do we got? So I so we only have one savings account as such. Yep. There's a $150,000 in it.","start_word":393,"end_word":416,"sentiment":"neutral","sentiment_score":0.08174469321966171},{"text":"Okay. Beautiful. And, you know, we're good little favors. Yeah. I And love it.","start_word":417,"end_word":430,"sentiment":"positive","sentiment_score":0.6288272142410278},{"text":"and we just have that offset account Yep. in which there's only, like, $10,000 sitting in it because Okay. all the rest of it is just sitting off the line, but and it's just like literally paying off a dollar and $2 a week. Yeah. No. That's okay. Because your But loan's it's still basically open. a 100% paid off. You just got Yeah. that 2 They are. thousand sitting there, isn't it? Yeah. Yep. Yep. Yep. That's okay. And the loan was technically I think from what I understand, the loan was technically you had a 100,000 owing on it, but you've kind of paid it off, and you've just got that 2,000 open. Am I correct in that understanding? Yep. Yep. Yep.","start_word":431,"end_word":554,"sentiment":"neutral","sentiment_score":0.04914607791860978},{"text":"Beautiful. Fantastic.","start_word":555,"end_word":556,"sentiment":"positive","sentiment_score":0.7850176095962524},{"text":"So any additional contributions would be coming from that other savings account with the $1.50 in there. Yeah. Yep. The other thing is if I was to look at salary sacrificing as another option for the next five to a year, are you comfortable taking more out of your income, or are you finding that you'd prefer just to maybe have a lump sum at the end of the year? What I was would thinking you more of a lump sum at the end of the year. lump sum? Yep. That's okay. Yep. So steer And that away way, from. I thought we might manage it easier too. Yep. Yeah. That's okay. Not a problem Yep. at all.","start_word":557,"end_word":674,"sentiment":"neutral","sentiment_score":0.032122496515512466},{"text":"I've got some great ideas, and I've had a really good look at things. Now your balance is very close to that 500,000 mark.","start_word":675,"end_word":698,"sentiment":"positive","sentiment_score":0.48800209164619446},{"text":"You've had some good Yeah. growth over the over the time, but I've come up with a plan that should allow us to access the deductible contributions next year for you as well. It's just a Yeah. matter Yeah. of making sure the market abides by what I what I wanted to do for you. So Yeah. I was just hoping, like, we could stay underneath that 500,000 for this for one financial more year. year as well. Does that Yeah. make sense? Yes. And then It that way, does. we And can I've roll it into next year as well.","start_word":699,"end_word":799,"sentiment":"neutral","sentiment_score":0.12480967491865158},{"text":"absolutely. And I'm working on a plan to sort of help you with that.","start_word":800,"end_word":813,"sentiment":"positive","sentiment_score":0.4392470419406891},{"text":"I've done a lot of research.","start_word":814,"end_word":819,"sentiment":"neutral","sentiment_score":0.3011001944541931},{"text":"I've got a really good idea of how we're gonna structure things.","start_word":820,"end_word":831,"sentiment":"positive","sentiment_score":0.43668079376220703},{"text":"I just need Yep. to finalize those last couple of details there for you. And then on Tuesday, we'll go through the advice, and you can decide what you wanna do. How does that sound? Yep.","start_word":832,"end_word":867,"sentiment":"neutral","sentiment_score":0.16852359473705292},{"text":"Beautiful.","start_word":868,"end_word":868,"sentiment":"positive","sentiment_score":0.4588058888912201},{"text":"Yep.","start_word":869,"end_word":869,"sentiment":"neutral","sentiment_score":0.22511723637580872},{"text":"Beautiful.","start_word":870,"end_word":870,"sentiment":"positive","sentiment_score":0.3968158960342407},{"text":"Oh, the last question is, I know you got a pay rise this year. Are you expecting another pay rise next Yeah. It'll be a full percent. year at all? 4% pay rise. Yep. Yeah. And you're on 200,000 now, so I'll just add Yep. an extra 4% on there just so I'm allowing for a buffer when we look at your employer contributions. That's all. And when do Yep. you know when that 4% should be due to be added? Usually, we're all zero in January. In January. Okay. Perfect. Yep. No. Excellent.","start_word":871,"end_word":964,"sentiment":"neutral","sentiment_score":0.04237041249871254},{"text":"Thank you so much for that. That's everything I needed. I really appreciate your time.","start_word":965,"end_word":979,"sentiment":"positive","sentiment_score":0.5274812579154968},{"text":"I did send you an email after, but I thought, look. You'll be getting home from work, and you've got family life and dinner, and you're probably exhausted. So I thought, if it's okay, I'll give you a quick call, run through this now, and then I've got down that information to finish the research for you. So Yep. you can Beautiful. ignore No. that That's email not dramas if you like. at all. No. But thank All you good.","start_word":980,"end_word":1059,"sentiment":"neutral","sentiment_score":0.10559581965208054},{"text":"so much for that. I'll get things finished and finalized for Tuesday for you. I'm looking forward to going through it with you. Beautiful. Alright. Sounds good. Thanks, Paul. You enjoy your evening. Rest up. You too.","start_word":1060,"end_word":1096,"sentiment":"positive","sentiment_score":0.6852934054426245},{"text":"Alright. Say hello.","start_word":1097,"end_word":1099,"sentiment":"neutral","sentiment_score":0.29865652322769165},{"text":"Thanks.","start_word":1100,"end_word":1100,"sentiment":"positive","sentiment_score":0.5938117504119873},{"text":"See you Alright. later. Bye. Bye.","start_word":1101,"end_word":1106,"sentiment":"neutral","sentiment_score":0.2179151177406311}],"average":{"sentiment":"neutral","sentiment_score":0.15079764319167863}}}}