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Just giving you a call to go through that annual review if you still got time. No. No worries at all. There's a few things to go through, and I'll leave a few documents with you. Just before I jump into it, may you okay for me to do the usual security check with you? Cool. So I'm registered with Asic as adviser 1273105. Could you confirm your date of birth and address, please? Thank you. Fantastic. Thank you for that, Mark. And the calls are recorded for training quality purposes. Is that okay? Perfect. So, mate, I've got this annual review pack sent through to you. I know you had a bit of advice with Kyle towards the start of the year, and we're in contact with the team about Australian retirement trust rollovers. So this is really just a bit of a snapshot to shoot through to you as well as an updated ongoing service agreement. Okay? So I'm gonna pop that through to mark.meddings@gmail.com. Is that still okay? Cool. When you go through that, it'll have attachments with all your super performance reports, financial services guide, and so on, and then a digital authorization link off the back of that. Cool. Actually, before I update your details, we do have an updated system. So I'm gonna just cross reference a couple of details with you, but I just wanted to run something by you as well. The last notes I saw regarding Australian Retirement Trust did mention that you might give them a buzz to see if you can get the rollover moving along. Did you end up calling them? No. That's okay because I've included a withdrawal form from your Netwealth, and we can actually initiate it from our end. So if you're comfortable for that to still happen, that sort of $3 to pop over there and top it up, that's actually included in the back as well. Is that alright? Fantastic. Alright. Perfect. Anything in particular for this year's review that you want me to focus on? Yep. Yep. Yep. Comes and goes. Mhmm. Yeah. Yeah. Yep. And it still will be. They do this thing where they tend to grandfather things, so you should still get a good bunch of years out of it, which should be alright. You do have I think the team sent you through the payment details to make contributions into Netwealth. Yep. Yeah. Cool. And when you organize that, we'll help you with any notice of intent to claim forms. Have you ever done a notice of intent form before? K. So, basically, if you have let's say you're an employee of a company and they pay your super, it all goes in pretax as a concessional contribution. If you whack it in from a bank account via BPAY or EFT, it goes in as a personal contribution, and it's not claimed as a tax deduction yet. So what happens is we fill in a form, notice of intent to claim to the super fund and say, hey. I've put in 10. I would like to claim 10, please. They code that with the tax office and take out the 15% super tax. And then when you do your tax return, it'll it's all coded up to deduct that from your tax return. So it lines it up perfectly from the super fund to the tax office. Yeah. Your your it depends on, like, reference dates sorry, reference numbers and how you do the transaction because an employee if you've got a company, they can put it in through reference numbers through the SuperStream system like payroll, and they can code it up as concessional, salary sacrifice, all that kind of thing. But if you're doing it from, like, a bank account that you have, it'll go in personal until you convert it. So whichever way you need it done, the accountant can can organize it. If you need those forms done, we'll prefill them for you and help you get them done. We're there to make it as easy as possible. Absolutely. Absolutely. Can I just quickly double check with you? With the the company setup so I'm just cross referencing all the details you already gave us. You've got your director of a company, and you're on-site doing the driver operator role for a mining company. Does the company that you're a director of, does that do training and assessing as its main? Perfect. So you still get paid, like, flat rate wages from the truck driving, and that's about a 130 k. Yep. So you're still under the PSI roles. So you need to earn from multiple sources directly? Yep. Okay. Yep. Yeah. Well, it's much better than being under PSI because that pretty much puts you as like a sole trader, one income source, your deductions go out the window. So if you're getting that sort of flat rate from the mining company, because I think you were saying you're doing nine days on, five days off. Is that right? Four days on-site, one day at home. And with the company itself, are you, like, an employee of your company? I know you're a director, but are you pulling wages, or is it all just kind of pulling in there at the moment? Is that like a set thousand bucks a week or something? Does it fluctuate? Or k. So if I've got you at 01:30 with the mining company, would it be much how much would you be pulling out of that company? Yeah? 100 and 30. Oh, okay. So does that mean that everything from the truck driving and the training assessing all kinda gets mixed in? Okay. That makes sense. Cool. Gotcha. Gotcha. Now it makes I thought it was one thirty plus company drawings on top. No. That makes perfect sense. I was like, what? You're on 200? No. No. No. So main goals are still obviously saving for the house, which I think what you were aiming for around mid next year would be ideal. It just pushes forward a year at a time. No. Not for the first bloody five years or so at least. It always takes a few years to build it up, and then all of a sudden, there's a profit there eventually, but everyone thinks, oh, there's a tradie there pulling in a couple $100. Yeah. It all goes in taxes and fees and all the rest of it. One day, mate. One day. Yeah. Yeah. Yeah. Yeah. Gotcha. Yeah. So it's not doing online courses. It's not doing gym stuff. It's all out there on the field, so to speak. Yeah. Okay. I'm just writing it down. Yeah. Cool. Trying to figure out the logistics of all the insurances and everything in the background, though. Yeah. Yep. Definitely a few things few things to work out the king's of. Yep. Yeah. Because you've got enough on your plate bouncing between sites and everything, mate, and then you better try and work that out with the missus. Jeez. Yeah. But that's the thing too. Like, I I don't wanna be that guy trying to predict the future, but you're getting through to the late thirties now, and there's gonna be this weird push. I see it all the time with the guys that they're breaking into all these different areas, and it's just really hard slog because the kids are still not old enough, and the work hasn't settled itself enough. But then by the mid forties, they're kinda laughing. You know what I mean? And they they look back and go, jeez. That was a tough slog. But four or five years from now, who knows where you could be? I don't know. Is it the kids? Is it the kids, the younger ones that just aren't clicking with it the way you are, or is it everyone? Yep. Yep. Yeah. Yeah. Those two. That hybrid millennial Gen X so you can kind of do technology and tools with the hands. Yeah. Well, fingers crossed. I feel like you're in that little space where the competition is not gonna be that hard. Getting it organized, and, yeah, no one's gonna be able to sort of keep up and do both. So, again, give it some time, and, again, close your eyes, wake up in a few years. You'll be sweet. Yep. Yeah. I did see there was something about a credit card that you'd sort of paid off, but it stays on the credit file for a little while. So you're just waiting for that to click off. Yep. Okay. Yeah. So I think that's what plays into what you were saying about struggling to build up for the house deposit and that kind of thing because it's not just a simple way just come in, put it in a separate bank account. You've got a lot of moving parts going on. Yeah. Look. You can put some into your super first time super saver scheme, get a bit of a tax deduction, but the bookkeeping is the most important thing. And how many years into the business are you at the moment? Three years. Yeah. So you've gone through those first periods of, you know, GST and BAS statements and doing tax returns and all that. It definitely does settle down. And once you get a bit of a smooth running, because you've got three sources potentially to try and iron out, that'll settle down. And then you all of a sudden have a nice big pile of cash there for a couple of years, and that'll go towards house deposit. So, yeah, a bit of forced savings is good, but it does even out after a while, so I wouldn't put it all away if you need to pile it into some cash as well. You know? Do a bit of both. Cool. Mate, I'll keep everything else nice and simple for the other side of things. I mentioned before just doing that bit of a top up for your other super fund for the insurances. Yeah. Yes. Just another headache. Yeah. I can see it in front of me. Yeah. Yeah. I do a lot of the insurance advice. Yeah. Eighteen years with the base default policy pretty much. Okay. So you've had that for quite a while. Yep. Nice. Yep. So I'm glad I've got you tonight. I've got a couple of ideas and thoughts here. So first port of call is you got a half $1,000,000 worth of life and disability insurance with ART, little bit of income protection. It's got no exclusions or anything on it for any preexisting conditions. So that just means claims easy because they're not gonna, oh, you've had this, you've had that, knock you back kind of thing. In order to we could potentially transfer it, which transfer terms packages up that policy and moves it across to another super fund. Now I know an identical super fund to Netwealth, which I use heavily here at Oakview, Hub twenty four offers transfer terms, and it's got the exact same investment options for slightly cheaper fee. If that's a goer, I don't wanna waste your time and open up super funds and move things around. But if that's a goer, I could potentially look at trying to transfer and get it all into one fund, mimic the same investments. You'd you'd switch funds once, but it'll be two into the one. Yep. Yeah. We've got a lot of clients in this kind of it's like a sister super fund. They kind of compete with each other. One's red, one's blue. And the the red one offers insurance transfers, and Netwealth is good for trading. So they're pretty well identical, but different features. Yep. Yeah. And you already had a bit of an update from Kyle in January for an updated portfolio that knocked out the one that was underperforming, the Bennelong option, and he's got another one in there that's doing pretty well. So I don't have to really jiggle around the investments much. I think I can keep it the same high risk portfolio just to switch a platforms potentially. I don't think we should like, I can call every insurer under the sun, research them all. What I can see here in the fact find before then was something about sports related shoulder and ankle injuries, that type of thing. I think if there was anything to do with joints, screws, metal plates, surgeries, you tend to get exclusions for that type of thing. I would probably rather look at the transfer than that way, but what's your thoughts? Yep. Yeah. Yeah. Are you dealing with any explosives now? K. Yep. Okay. I'm gonna write this down. No dangerous goods. What was what did you call it before? Shot fire? Yeah. Nice. That's fun. Yeah. Or something you wanna be around? K. I have a few thoughts. When you've got your split between what you're doing on-site at the moment versus training assessing, what would be the percentage split? 50 50, 90 10? Eighty twenty. When you're doing the training tool usage, or is it all classroom? Yep. Yep. Okay. Yeah. That'd be pretty rare to go out to the offsites. Yep. K. So the biggest thing always comes down to occupation rating. When you were doing explosives, you can't even do a transfer terms because it puts you as a high risk, and they click it off. Training and assessing for most of it is good. When you're driving trucks, what are you driving? Yeah. Gotcha. Gotcha. K. Okay. Yep. Gotcha. Yeah. I think the way I'm trying to push it towards it for an occupation rating is if we can get something more towards the training and assessing space. The fact that there's no dangerous goods or shot fire license anymore is pretty good. Simulated scenarios, that's pretty good too. Look. It it's you've probably got one of the trickiest occupations to assess. It's it's pretty crazy. I'm gonna talk to a few and see what I can come up with. Can't promise anything. It's just one of those fun things where I get to go and get on the blower and anonymously negotiate with 10 different insurance people and see if I can find anything that kind of fits. Yep. Yeah. Absolutely. I'm thinking it's weird when you've got a split between the driving a truck and training and assessing because it sounds like two occupations. Gotcha. You're not hauling for an entire day call out of a for an entire day, that type of thing. Yep. Gotcha. Gotcha. Okay. So my first step's gonna be really good thing that we've got all these calls recorded because I'm gonna spin out the old AI at the back of it for all this information that you've just told me. Because I've I've noted down, like, 80% of what you told me, but I'm gonna sit there. I'm gonna read over about four or five times. And then we're gonna call around and see if we can get you a good occupation rating with somebody. If I need any more info, we'll definitely get in touch. I don't even wanna touch anything sort of health related at the moment because, yes, sleep apnea, that's could be pretty well sweet, or maybe they want a sleep study, whatever it is. Transfer terms, you don't generally need that for that. So that's my first port of call is if I can skip all that, I will. And then I'm just gonna sort of chop down the line first, get occupation sorted. If I can get you transferred, we're golden. If I can't, then we go into a bit more depth with health as well. Cool. So I'll do the research first. I'll get the team to get in touch with you and maybe get some extra info from you. If we can consolidate, we'll do that. If not, I'll let you know if we if there's just no chance. And what the what they tell me, basically, when I talk to the head underwriters is what the range is and saying if we get this information or he ends up doing this, then it's good. If not, we're looking at a middle issue or a full decline, and I can just get that range of outcomes for you. Cool. I won't give you anything about how much to contribute to your super or anything like that because you're obviously talking to your accountant at the moment. We'll just look at the insurances, the consolidations, keep the portfolio pretty well the same. How does that sound? They've gone up to 12 now. It went up half a percent a year from nine and a half to 12 over five years, Now everyone's getting a bit of a monster from there. That's the thing is when you got a company in that, those first few years are a little bit of a spin your tires in the mud getting it all sorted. But if you can get up to 12% at some point regularly, that's pretty good. So 15 six. With a bit of an offset. Yeah. A little bit. Yeah. I can crunch some numbers for you. Yeah. So it depends on how the contributions are made because you can do it two different ways. This is where it gets painful. Is the government don't make it easy, but it's a it's a step through step through of ruling. So anything that's before tax, you withdraw that with a 30% tax offset. So you pay 15% on the way in, and you get a 30% offset on the way out. If you're putting it in there after tax dollars, then you've already paid tax on the after tax dollars. Yeah. And you get that little 15% difference. You don't get the full lovely 22% because 15 versus 37 and Medicare on top. You'll get a 15% difference, which will help a little bit, plus a bit of earnings on top can come out. A little bit of interest can come out as well. So they'll do that thing where it gets handled in your tax return. So you might get that lump sum, then all of a sudden, it's like, hey. This has been added to your income minus an offset kind of thing. That's where it kind of goes out in the wash for your tax return because some of the tax gets handled within the funds, some gets handled at tax time. That's the that's the kind of painful bit. But yeah. That's the way the government does it, though. You know, this whole idea of, like, tell us how much you think you owe us, and if it's right, we'll give it to you. And if not, we'll give you a bill. They'd rather you figure it all out for a year. Yeah. Tell us all the things that happened to you in a year and how you think it went, and then we'll just crisscross some i's and t's and see what the actual figure is. Makes sense? Yeah. Yep. Alright, Mark. So we'll talk more about the Super Saver scheme as we go as well. I'll do the research on the insurances. Contributions wise, yeah, if you can get it 12% at some point would be good because I'd hate to see someone earning good coin getting less than their super than the McDonald's worker. I've seen that go wrong too many times. Yeah. And it's fine for a few like I said, the first three to five years is set up point. It's just you don't wanna be 48, 49, and being like, oh, I better start. That's when it's hard to catch up. Five years in your thirties is fine. Anyone can catch up with that with a bit of high growth and some extra contributions. No problem at all. K? So that document that I emailed through to you, that's got that rollover form, service agreement, financial services guide. Everything I do insurance wise, I'm actually going on bloody paternity leave next month. Got my third on the way. I've got two boys and I've got a girl coming in June, so I'll I'll be taking two weeks off. I'll be I'll take a little bit more afterwards when I'm more used to the wife. Initially, it's just, you know, make sure the house is sorted. Her mom comes for a month, and we're all good. But I'll try and get all this sorted with you before I go because, obviously, end of financial year contributions, insurances, all that fun stuff. If not, the insurances we might finalize in July. Cool. Alright. Yeah. And, look, I'll do my due diligence to make sure I'm as careful as possible to actually get a a good idea. I don't wanna waste your time. And then when we ask you for extra information, that's because we actually need it at that point. But anything I can save time wise for you, I'll I'll skip. Cool, Mark. Talked about a few different things, but any questions so far? Perfect. Alright. I'll leave that email pack with you. If you have any trouble with the old DigiSign, let us know. It's pretty straightforward as a stamp where you can hit the button and draw your signature on there. You could download a signed copy. There'll be a pop up button for that at the end. Outside of that, you've got some work for me to do and a bit of research, so I'm gonna go dive into it. And I will definitely be in touch over the fortnight for some extra info and then getting you booked in again with me. No worries. Last question I've got before I leave you let you go. Estate planning wise, because I've just got to touch on that. Did you end up putting a will in place? Cool. I'll include a bit of a reminder on that, whether it's a post office will kit, the solicitors, or trustee of Queensland, public trustee at the courthouse can even do it. I'm just double checking beneficiary nominations. I can't actually see the Netwealth one on there at the moment, but I know you've got Kerry, Milo, and Miller. Do you remember how you wanted that organized? K. Sixty twenty five twenty five. I'll do a check to make sure that's on ARTN's Netwealth. And if not, we'll send you some forms and let you know. Awesome. Mate, thank you very much for spending the time with me today. It's been fun. I'd like to see if I can get a bit of a win on these. No promises, but you've got a fun one for me. No worries. Have a great night, and I'll talk to you soon. Cheers, mate. 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from Oakview. Annual review. Good day, Mark. It's Tommy here, senior adviser from Oakview. How are you going?\n\nSensational. Good to hear. Just giving you a call to go through that annual review if you still got time. No. No worries at all.\n\nThere's a few things to go through, and I'll leave a few documents with you. Just before I jump into it, may you okay for me to do the usual security check with you? Cool. So I'm registered with Asic as adviser 1273105. Could you confirm your date of birth and address, please?\n\nThank you. Fantastic. Thank you for that, Mark. And the calls are recorded for training quality purposes. Is that okay?\n\nPerfect. So, mate, I've got this annual review pack sent through to you. I know you had a bit of advice with Kyle towards the start of the year, and we're in contact with the team about Australian retirement trust rollovers. So this is really just a bit of a snapshot to shoot through to you as well as an updated ongoing service agreement. Okay?\n\nSo I'm gonna pop that through to mark.meddings@gmail.com. Is that still okay? Cool. When you go through that, it'll have attachments with all your super performance reports, financial services guide, and so on, and then a digital authorization link off the back of that. Cool.\n\nActually, before I update your details, we do have an updated system. So I'm gonna just cross reference a couple of details with you, but I just wanted to run something by you as well. The last notes I saw regarding Australian Retirement Trust did mention that you might give them a buzz to see if you can get the rollover moving along. Did you end up calling them? No.\n\nThat's okay because I've included a withdrawal form from your Netwealth, and we can actually initiate it from our end. So if you're comfortable for that to still happen, that sort of $3 to pop over there and top it up, that's actually included in the back as well. Is that alright? Fantastic. Alright.\n\nPerfect. Anything in particular for this year's review that you want me to focus on? Yep. Yep. Yep.\n\nComes and goes. Mhmm. Yeah. Yeah. Yep.\n\nAnd it still will be. They do this thing where they tend to grandfather things, so you should still get a good bunch of years out of it, which should be alright. You do have I think the team sent you through the payment details to make contributions into Netwealth. Yep. Yeah.\n\nCool. And when you organize that, we'll help you with any notice of intent to claim forms. Have you ever done a notice of intent form before? K. So, basically, if you have let's say you're an employee of a company and they pay your super, it all goes in pretax as a concessional contribution.\n\nIf you whack it in from a bank account via BPAY or EFT, it goes in as a personal contribution, and it's not claimed as a tax deduction yet. So what happens is we fill in a form, notice of intent to claim to the super fund and say, hey. I've put in 10. I would like to claim 10, please. They code that with the tax office and take out the 15% super tax.\n\nAnd then when you do your tax return, it'll it's all coded up to deduct that from your tax return. So it lines it up perfectly from the super fund to the tax office. Yeah. Your your it depends on, like, reference dates sorry, reference numbers and how you do the transaction because an employee if you've got a company, they can put it in through reference numbers through the SuperStream system like payroll, and they can code it up as concessional, salary sacrifice, all that kind of thing. But if you're doing it from, like, a bank account that you have, it'll go in personal until you convert it.\n\nSo whichever way you need it done, the accountant can can organize it. If you need those forms done, we'll prefill them for you and help you get them done. We're there to make it as easy as possible. Absolutely. Absolutely.\n\nCan I just quickly double check with you? With the the company setup so I'm just cross referencing all the details you already gave us. You've got your director of a company, and you're on-site doing the driver operator role for a mining company. Does the company that you're a director of, does that do training and assessing as its main? Perfect.\n\nSo you still get paid, like, flat rate wages from the truck driving, and that's about a 130 k. Yep. So you're still under the PSI roles. So you need to earn from multiple sources directly? Yep.\n\nOkay. Yep. Yeah. Well, it's much better than being under PSI because that pretty much puts you as like a sole trader, one income source, your deductions go out the window. So if you're getting that sort of flat rate from the mining company, because I think you were saying you're doing nine days on, five days off.\n\nIs that right? Four days on-site, one day at home. And with the company itself, are you, like, an employee of your company? I know you're a director, but are you pulling wages, or is it all just kind of pulling in there at the moment? Is that like a set thousand bucks a week or something?\n\nDoes it fluctuate? Or k. So if I've got you at 01:30 with the mining company, would it be much how much would you be pulling out of that company? Yeah? 100 and 30.\n\nOh, okay. So does that mean that everything from the truck driving and the training assessing all kinda gets mixed in? Okay. That makes sense. Cool.\n\nGotcha. Gotcha. Now it makes I thought it was one thirty plus company drawings on top. No. That makes perfect sense.\n\nI was like, what? You're on 200? No. No. No.\n\nSo main goals are still obviously saving for the house, which I think what you were aiming for around mid next year would be ideal. It just pushes forward a year at a time. No. Not for the first bloody five years or so at least. It always takes a few years to build it up, and then all of a sudden, there's a profit there eventually, but everyone thinks, oh, there's a tradie there pulling in a couple $100.\n\nYeah. It all goes in taxes and fees and all the rest of it. One day, mate. One day. Yeah.\n\nYeah. Yeah. Yeah. Gotcha. Yeah.\n\nSo it's not doing online courses. It's not doing gym stuff. It's all out there on the field, so to speak. Yeah. Okay.\n\nI'm just writing it down. Yeah. Cool. Trying to figure out the logistics of all the insurances and everything in the background, though. Yeah.\n\nYep. Definitely a few things few things to work out the king's of. Yep. Yeah. Because you've got enough on your plate bouncing between sites and everything, mate, and then you better try and work that out with the missus.\n\nJeez. Yeah. But that's the thing too. Like, I I don't wanna be that guy trying to predict the future, but you're getting through to the late thirties now, and there's gonna be this weird push. I see it all the time with the guys that they're breaking into all these different areas, and it's just really hard slog because the kids are still not old enough, and the work hasn't settled itself enough.\n\nBut then by the mid forties, they're kinda laughing. You know what I mean? And they they look back and go, jeez. That was a tough slog. But four or five years from now, who knows where you could be?\n\nI don't know. Is it the kids? Is it the kids, the younger ones that just aren't clicking with it the way you are, or is it everyone? Yep. Yep.\n\nYeah. Yeah. Those two. That hybrid millennial Gen X so you can kind of do technology and tools with the hands. Yeah.\n\nWell, fingers crossed. I feel like you're in that little space where the competition is not gonna be that hard. Getting it organized, and, yeah, no one's gonna be able to sort of keep up and do both. So, again, give it some time, and, again, close your eyes, wake up in a few years. You'll be sweet.\n\nYep. Yeah. I did see there was something about a credit card that you'd sort of paid off, but it stays on the credit file for a little while. So you're just waiting for that to click off. Yep.\n\nOkay. Yeah. So I think that's what plays into what you were saying about struggling to build up for the house deposit and that kind of thing because it's not just a simple way just come in, put it in a separate bank account. You've got a lot of moving parts going on. Yeah.\n\nLook. You can put some into your super first time super saver scheme, get a bit of a tax deduction, but the bookkeeping is the most important thing. And how many years into the business are you at the moment? Three years. Yeah.\n\nSo you've gone through those first periods of, you know, GST and BAS statements and doing tax returns and all that. It definitely does settle down. And once you get a bit of a smooth running, because you've got three sources potentially to try and iron out, that'll settle down. And then you all of a sudden have a nice big pile of cash there for a couple of years, and that'll go towards house deposit. So, yeah, a bit of forced savings is good, but it does even out after a while, so I wouldn't put it all away if you need to pile it into some cash as well.\n\nYou know? Do a bit of both. Cool. Mate, I'll keep everything else nice and simple for the other side of things. I mentioned before just doing that bit of a top up for your other super fund for the insurances.\n\nYeah. Yes. Just another headache. Yeah. I can see it in front of me.\n\nYeah. Yeah. I do a lot of the insurance advice. Yeah. Eighteen years with the base default policy pretty much.\n\nOkay. So you've had that for quite a while. Yep. Nice. Yep.\n\nSo I'm glad I've got you tonight. I've got a couple of ideas and thoughts here. So first port of call is you got a half $1,000,000 worth of life and disability insurance with ART, little bit of income protection. It's got no exclusions or anything on it for any preexisting conditions. So that just means claims easy because they're not gonna, oh, you've had this, you've had that, knock you back kind of thing.\n\nIn order to we could potentially transfer it, which transfer terms packages up that policy and moves it across to another super fund. Now I know an identical super fund to Netwealth, which I use heavily here at Oakview, Hub twenty four offers transfer terms, and it's got the exact same investment options for slightly cheaper fee. If that's a goer, I don't wanna waste your time and open up super funds and move things around. But if that's a goer, I could potentially look at trying to transfer and get it all into one fund, mimic the same investments. You'd you'd switch funds once, but it'll be two into the one.\n\nYep. Yeah. We've got a lot of clients in this kind of it's like a sister super fund. They kind of compete with each other. One's red, one's blue.\n\nAnd the the red one offers insurance transfers, and Netwealth is good for trading. So they're pretty well identical, but different features. Yep. Yeah. And you already had a bit of an update from Kyle in January for an updated portfolio that knocked out the one that was underperforming, the Bennelong option, and he's got another one in there that's doing pretty well.\n\nSo I don't have to really jiggle around the investments much. I think I can keep it the same high risk portfolio just to switch a platforms potentially. I don't think we should like, I can call every insurer under the sun, research them all. What I can see here in the fact find before then was something about sports related shoulder and ankle injuries, that type of thing. I think if there was anything to do with joints, screws, metal plates, surgeries, you tend to get exclusions for that type of thing.\n\nI would probably rather look at the transfer than that way, but what's your thoughts? Yep. Yeah. Yeah. Are you dealing with any explosives now?\n\nK. Yep. Okay. I'm gonna write this down. No dangerous goods.\n\nWhat was what did you call it before? Shot fire? Yeah. Nice. That's fun.\n\nYeah. Or something you wanna be around? K. I have a few thoughts. When you've got your split between what you're doing on-site at the moment versus training assessing, what would be the percentage split?\n\n50 50, 90 10? Eighty twenty. When you're doing the training tool usage, or is it all classroom? Yep. Yep.\n\nOkay. Yeah. That'd be pretty rare to go out to the offsites. Yep. K.\n\nSo the biggest thing always comes down to occupation rating. When you were doing explosives, you can't even do a transfer terms because it puts you as a high risk, and they click it off. Training and assessing for most of it is good. When you're driving trucks, what are you driving? Yeah.\n\nGotcha. Gotcha. K. Okay. Yep.\n\nGotcha. Yeah. I think the way I'm trying to push it towards it for an occupation rating is if we can get something more towards the training and assessing space. The fact that there's no dangerous goods or shot fire license anymore is pretty good. Simulated scenarios, that's pretty good too.\n\nLook. It it's you've probably got one of the trickiest occupations to assess. It's it's pretty crazy. I'm gonna talk to a few and see what I can come up with. Can't promise anything.\n\nIt's just one of those fun things where I get to go and get on the blower and anonymously negotiate with 10 different insurance people and see if I can find anything that kind of fits. Yep. Yeah. Absolutely. I'm thinking it's weird when you've got a split between the driving a truck and training and assessing because it sounds like two occupations.\n\nGotcha. You're not hauling for an entire day call out of a for an entire day, that type of thing. Yep. Gotcha. Gotcha.\n\nOkay. So my first step's gonna be really good thing that we've got all these calls recorded because I'm gonna spin out the old AI at the back of it for all this information that you've just told me. Because I've I've noted down, like, 80% of what you told me, but I'm gonna sit there. I'm gonna read over about four or five times. And then we're gonna call around and see if we can get you a good occupation rating with somebody.\n\nIf I need any more info, we'll definitely get in touch. I don't even wanna touch anything sort of health related at the moment because, yes, sleep apnea, that's could be pretty well sweet, or maybe they want a sleep study, whatever it is. Transfer terms, you don't generally need that for that. So that's my first port of call is if I can skip all that, I will. And then I'm just gonna sort of chop down the line first, get occupation sorted.\n\nIf I can get you transferred, we're golden. If I can't, then we go into a bit more depth with health as well. Cool. So I'll do the research first. I'll get the team to get in touch with you and maybe get some extra info from you.\n\nIf we can consolidate, we'll do that. If not, I'll let you know if we if there's just no chance. And what the what they tell me, basically, when I talk to the head underwriters is what the range is and saying if we get this information or he ends up doing this, then it's good. If not, we're looking at a middle issue or a full decline, and I can just get that range of outcomes for you. Cool.\n\nI won't give you anything about how much to contribute to your super or anything like that because you're obviously talking to your accountant at the moment. We'll just look at the insurances, the consolidations, keep the portfolio pretty well the same. How does that sound? They've gone up to 12 now. It went up half a percent a year from nine and a half to 12 over five years, Now everyone's getting a bit of a monster from there.\n\nThat's the thing is when you got a company in that, those first few years are a little bit of a spin your tires in the mud getting it all sorted. But if you can get up to 12% at some point regularly, that's pretty good. So 15 six. With a bit of an offset. Yeah.\n\nA little bit. Yeah. I can crunch some numbers for you. Yeah. So it depends on how the contributions are made because you can do it two different ways.\n\nThis is where it gets painful. Is the government don't make it easy, but it's a it's a step through step through of ruling. So anything that's before tax, you withdraw that with a 30% tax offset. So you pay 15% on the way in, and you get a 30% offset on the way out. If you're putting it in there after tax dollars, then you've already paid tax on the after tax dollars.\n\nYeah. And you get that little 15% difference. You don't get the full lovely 22% because 15 versus 37 and Medicare on top. You'll get a 15% difference, which will help a little bit, plus a bit of earnings on top can come out. A little bit of interest can come out as well.\n\nSo they'll do that thing where it gets handled in your tax return. So you might get that lump sum, then all of a sudden, it's like, hey. This has been added to your income minus an offset kind of thing. That's where it kind of goes out in the wash for your tax return because some of the tax gets handled within the funds, some gets handled at tax time. That's the that's the kind of painful bit.\n\nBut yeah. That's the way the government does it, though. You know, this whole idea of, like, tell us how much you think you owe us, and if it's right, we'll give it to you. And if not, we'll give you a bill. They'd rather you figure it all out for a year.\n\nYeah. Tell us all the things that happened to you in a year and how you think it went, and then we'll just crisscross some i's and t's and see what the actual figure is. Makes sense? Yeah. Yep.\n\nAlright, Mark. So we'll talk more about the Super Saver scheme as we go as well. I'll do the research on the insurances. Contributions wise, yeah, if you can get it 12% at some point would be good because I'd hate to see someone earning good coin getting less than their super than the McDonald's worker. I've seen that go wrong too many times.\n\nYeah. And it's fine for a few like I said, the first three to five years is set up point. It's just you don't wanna be 48, 49, and being like, oh, I better start. That's when it's hard to catch up. Five years in your thirties is fine.\n\nAnyone can catch up with that with a bit of high growth and some extra contributions. No problem at all. K? So that document that I emailed through to you, that's got that rollover form, service agreement, financial services guide. Everything I do insurance wise, I'm actually going on bloody paternity leave next month.\n\nGot my third on the way. I've got two boys and I've got a girl coming in June, so I'll I'll be taking two weeks off. I'll be I'll take a little bit more afterwards when I'm more used to the wife. Initially, it's just, you know, make sure the house is sorted. Her mom comes for a month, and we're all good.\n\nBut I'll try and get all this sorted with you before I go because, obviously, end of financial year contributions, insurances, all that fun stuff. If not, the insurances we might finalize in July. Cool. Alright. Yeah.\n\nAnd, look, I'll do my due diligence to make sure I'm as careful as possible to actually get a a good idea. I don't wanna waste your time. And then when we ask you for extra information, that's because we actually need it at that point. But anything I can save time wise for you, I'll I'll skip. Cool, Mark.\n\nTalked about a few different things, but any questions so far? Perfect. Alright. I'll leave that email pack with you. If you have any trouble with the old DigiSign, let us know.\n\nIt's pretty straightforward as a stamp where you can hit the button and draw your signature on there. You could download a signed copy. There'll be a pop up button for that at the end. Outside of that, you've got some work for me to do and a bit of research, so I'm gonna go dive into it. And I will definitely be in touch over the fortnight for some extra info and then getting you booked in again with me.\n\nNo worries. Last question I've got before I leave you let you go. Estate planning wise, because I've just got to touch on that. Did you end up putting a will in place? Cool.\n\nI'll include a bit of a reminder on that, whether it's a post office will kit, the solicitors, or trustee of Queensland, public trustee at the courthouse can even do it. I'm just double checking beneficiary nominations. I can't actually see the Netwealth one on there at the moment, but I know you've got Kerry, Milo, and Miller. Do you remember how you wanted that organized? K.\n\nSixty twenty five twenty five. I'll do a check to make sure that's on ARTN's Netwealth. And if not, we'll send you some forms and let you know. Awesome. Mate, thank you very much for spending the time with me today.\n\nIt's been fun. I'd like to see if I can get a bit of a win on these. No promises, but you've got a fun one for me. No worries. Have a great night, and I'll talk to you soon.\n\nCheers, mate. Bye.","paragraphs":[{"sentences":[{"text":"Tommy from Oakview.","start":7.44,"end":8.74,"sentiment":"neutral","sentiment_score":0.025451224918166798},{"text":"Annual review.","start":9.04,"end":9.94,"sentiment":"neutral","sentiment_score":0.023541133850812912},{"text":"Good day, Mark.","start":19.455,"end":20.095001,"sentiment":"positive","sentiment_score":0.4261498947938283},{"text":"It's Tommy here, senior adviser from Oakview.","start":20.095001,"end":22.015,"sentiment":"neutral","sentiment_score":0.26418780429022654},{"text":"How are you going?","start":22.015,"end":22.915,"sentiment":"neutral","sentiment_score":0.26255885139107704}],"sentiment":"neutral","sentiment_score":0.226391350654395,"num_words":19,"start":7.44,"end":22.915},{"sentences":[{"text":"Sensational.","start":26.59,"end":27.09,"sentiment":"neutral","sentiment_score":0.15369273722171783},{"text":"Good to hear.","start":27.310001,"end":28.11,"sentiment":"positive","sentiment_score":0.5036844809850057},{"text":"Just giving you a call to go through that annual review if you still got time.","start":28.27,"end":31.25,"sentiment":"neutral","sentiment_score":0.23467418644577265},{"text":"No.","start":50.06,"end":50.38,"sentiment":"neutral","sentiment_score":0.14732393622398376},{"text":"No worries at all.","start":50.38,"end":51.100002,"sentiment":"neutral","sentiment_score":0.14041718095541}],"sentiment":"neutral","sentiment_score":0.24514103293418885,"num_words":25,"start":26.59,"end":51.100002},{"sentences":[{"text":"There's a few things to go through, and I'll leave a few documents with you.","start":51.100002,"end":54.72,"sentiment":"neutral","sentiment_score":0.10744760632514953},{"text":"Just before I jump into it, may you okay for me to do the usual security check with you?","start":55.420002,"end":59.600002,"sentiment":"neutral","sentiment_score":0.06428594534334384},{"text":"Cool.","start":61.195,"end":61.695,"sentiment":"neutral","sentiment_score":0.12966316938400269},{"text":"So I'm registered with Asic as adviser 1273105.","start":61.915,"end":65.755,"sentiment":"neutral","sentiment_score":0.06463011773303151},{"text":"Could you confirm your date of birth and address, please?","start":65.755,"end":68.495,"sentiment":"neutral","sentiment_score":0.03776100371032953}],"sentiment":"neutral","sentiment_score":0.07278228688211937,"num_words":53,"start":51.100002,"end":68.495},{"sentences":[{"text":"Thank you.","start":72.09,"end":73.71,"sentiment":"neutral","sentiment_score":0.060269735753536224},{"text":"Fantastic.","start":81.77,"end":82.27,"sentiment":"positive","sentiment_score":0.5495271682739258},{"text":"Thank you for that, Mark.","start":82.56999,"end":83.689995,"sentiment":"positive","sentiment_score":0.5414976954460144},{"text":"And the calls are recorded for training quality purposes.","start":83.689995,"end":86.56999,"sentiment":"neutral","sentiment_score":0.17082071635458204},{"text":"Is that okay?","start":86.56999,"end":87.46999,"sentiment":"neutral","sentiment_score":0.17648144563039145}],"sentiment":"neutral","sentiment_score":0.2722192950546741,"num_words":20,"start":72.09,"end":87.46999},{"sentences":[{"text":"Perfect.","start":89.415,"end":89.735,"sentiment":"positive","sentiment_score":0.40593063831329346},{"text":"So, mate, I've got this annual review pack sent through to you.","start":89.735,"end":92.215004,"sentiment":"neutral","sentiment_score":0.13930362897614637},{"text":"I know you had a bit of advice with Kyle towards the start of the year, and we're in contact with the team about Australian retirement trust rollovers.","start":92.215004,"end":99.995,"sentiment":"neutral","sentiment_score":0.07492606714367867},{"text":"So this is really just a bit of a snapshot to shoot through to you as well as an updated ongoing service agreement.","start":100.43,"end":106.11,"sentiment":"neutral","sentiment_score":0.10794503015020619},{"text":"Okay?","start":106.11,"end":106.61,"sentiment":"neutral","sentiment_score":0.07746721804141998}],"sentiment":"neutral","sentiment_score":0.1036262611930187,"num_words":65,"start":89.415,"end":106.61},{"sentences":[{"text":"So I'm gonna pop that through to mark.meddings@gmail.com.","start":108.189995,"end":111.71,"sentiment":"neutral","sentiment_score":0.0809225533157587},{"text":"Is that still okay?","start":111.71,"end":112.815,"sentiment":"neutral","sentiment_score":0.07606236729770899},{"text":"Cool.","start":114.575005,"end":114.815,"sentiment":"neutral","sentiment_score":0.26421692967414856},{"text":"When you go through that, it'll have attachments with all your super performance reports, financial services guide, and so on, and then a digital authorization link off the back of that.","start":114.815,"end":124.83,"sentiment":"neutral","sentiment_score":0.1350611397816289},{"text":"Cool.","start":126.75,"end":127.25,"sentiment":"neutral","sentiment_score":0.31204938888549805}],"sentiment":"neutral","sentiment_score":0.12699536772237885,"num_words":45,"start":108.189995,"end":127.25},{"sentences":[{"text":"Actually, before I update your details, we do have an updated system.","start":128.03,"end":131.55,"sentiment":"neutral","sentiment_score":0.13868521650632223},{"text":"So I'm gonna just cross reference a couple of details with you, but I just wanted to run something by you as well.","start":131.55,"end":137.41,"sentiment":"neutral","sentiment_score":0.13213269542092862},{"text":"The last notes I saw regarding Australian Retirement Trust did mention that you might give them a buzz to see if you can get the rollover moving along.","start":138.69499,"end":146.135,"sentiment":"neutral","sentiment_score":0.0782672039100102},{"text":"Did you end up calling them?","start":146.135,"end":147.59499,"sentiment":"neutral","sentiment_score":0.010504962721218666},{"text":"No.","start":152.87,"end":153.03,"sentiment":"neutral","sentiment_score":-0.02895457111299038}],"sentiment":"neutral","sentiment_score":0.09898330724931188,"num_words":70,"start":128.03,"end":153.03},{"sentences":[{"text":"That's okay because I've included a withdrawal form from your Netwealth, and we can actually initiate it from our end.","start":153.03,"end":161.82999,"sentiment":"neutral","sentiment_score":0.13302174359560012},{"text":"So if you're comfortable for that to still happen, that sort of $3 to pop over there and top it up, that's actually included in the back as well.","start":161.82999,"end":169.235,"sentiment":"neutral","sentiment_score":0.03774311134575641},{"text":"Is that alright?","start":169.235,"end":169.97499,"sentiment":"neutral","sentiment_score":0.018611098018785317},{"text":"Fantastic.","start":171.555,"end":172.055,"sentiment":"positive","sentiment_score":0.642987072467804},{"text":"Alright.","start":172.19499,"end":172.595,"sentiment":"positive","sentiment_score":0.4202181100845337}],"sentiment":"neutral","sentiment_score":0.0902596958805117,"num_words":54,"start":153.03,"end":172.595},{"sentences":[{"text":"Perfect.","start":172.595,"end":173.095,"sentiment":"positive","sentiment_score":0.6289541721343994},{"text":"Anything in particular for this year's review that you want me to focus on?","start":173.39499,"end":176.37,"sentiment":"neutral","sentiment_score":0.27639489833797726},{"text":"Yep.","start":200.22499,"end":200.7,"sentiment":"neutral","sentiment_score":0.06130809709429741},{"text":"Yep.","start":222.795,"end":223.295,"sentiment":"neutral","sentiment_score":-0.03161819279193878},{"text":"Yep.","start":228.48999,"end":228.81,"sentiment":"neutral","sentiment_score":0.007509124930948019}],"sentiment":"neutral","sentiment_score":0.25198232100552154,"num_words":18,"start":172.595,"end":228.81},{"sentences":[{"text":"Comes and goes.","start":228.81,"end":229.79,"sentiment":"neutral","sentiment_score":0.06008997062842051},{"text":"Mhmm.","start":235.12999,"end":235.62999,"sentiment":"neutral","sentiment_score":-0.07305075228214264},{"text":"Yeah.","start":240.665,"end":241.165,"sentiment":"neutral","sentiment_score":-0.1888696253299713},{"text":"Yeah.","start":250.68,"end":251.0,"sentiment":"neutral","sentiment_score":0.0038008838891983032},{"text":"Yep.","start":251.0,"end":251.4,"sentiment":"neutral","sentiment_score":0.004101110622286797}],"sentiment":"neutral","sentiment_score":-0.010535495887909616,"num_words":7,"start":228.81,"end":251.4},{"sentences":[{"text":"And it still will be.","start":251.4,"end":252.78,"sentiment":"neutral","sentiment_score":-0.07945552617311477},{"text":"They do this thing where they tend to grandfather things, so you should still get a good bunch of years out of it, which should be alright.","start":253.95999,"end":260.62,"sentiment":"positive","sentiment_score":0.5652708234610381},{"text":"You do have I think the team sent you through the payment details to make contributions into Netwealth.","start":261.66498,"end":266.405,"sentiment":"neutral","sentiment_score":0.2172709417839845},{"text":"Yep.","start":269.905,"end":270.405,"sentiment":"neutral","sentiment_score":0.1716402769088745},{"text":"Yeah.","start":280.4,"end":280.72,"sentiment":"neutral","sentiment_score":0.18216420710086825}],"sentiment":"positive","sentiment_score":0.36787915459045994,"num_words":52,"start":251.4,"end":280.72},{"sentences":[{"text":"Cool.","start":280.72,"end":281.12,"sentiment":"positive","sentiment_score":0.4224863052368164},{"text":"And when you organize that, we'll help you with any notice of intent to claim forms.","start":281.12,"end":287.2,"sentiment":"neutral","sentiment_score":0.18797077098861337},{"text":"Have you ever done a notice of intent form before?","start":287.2,"end":289.46,"sentiment":"neutral","sentiment_score":-0.005697015300393104},{"text":"K.","start":291.33502,"end":291.575,"sentiment":"neutral","sentiment_score":-0.05945461988449097},{"text":"So, basically, if you have let's say you're an employee of a company and they pay your super, it all goes in pretax as a concessional contribution.","start":291.575,"end":300.875,"sentiment":"neutral","sentiment_score":0.03512512623435921}],"sentiment":"neutral","sentiment_score":0.07749040502716195,"num_words":55,"start":280.72,"end":300.875},{"sentences":[{"text":"If you whack it in from a bank account via BPAY or EFT, it goes in as a personal contribution, and it's not claimed as a tax deduction yet.","start":301.49503,"end":310.65997,"sentiment":"neutral","sentiment_score":0.04202521296924558},{"text":"So what happens is we fill in a form, notice of intent to claim to the super fund and say, hey.","start":312.4,"end":317.52,"sentiment":"neutral","sentiment_score":0.1030868934023948},{"text":"I've put in 10.","start":317.52,"end":318.47998,"sentiment":"neutral","sentiment_score":0.06303498335182667},{"text":"I would like to claim 10, please.","start":318.47998,"end":320.18,"sentiment":"neutral","sentiment_score":0.16191177708762033},{"text":"They code that with the tax office and take out the 15% super tax.","start":320.375,"end":324.535,"sentiment":"neutral","sentiment_score":0.1693677699991635}],"sentiment":"neutral","sentiment_score":0.09520302787423134,"num_words":75,"start":301.49503,"end":324.535},{"sentences":[{"text":"And then when you do your tax return, it'll it's all coded up to deduct that from your tax return.","start":324.535,"end":330.95502,"sentiment":"neutral","sentiment_score":0.22066972479224206},{"text":"So it lines it up perfectly from the super fund to the tax office.","start":331.17502,"end":334.55502,"sentiment":"positive","sentiment_score":0.5418583239827838},{"text":"Yeah.","start":344.92,"end":345.42,"sentiment":"neutral","sentiment_score":0.06456736475229263},{"text":"Your your it depends on, like, reference dates sorry, reference numbers and how you do the transaction because an employee if you've got a company, they can put it in through reference numbers through the SuperStream system like payroll, and they can code it up as concessional, salary sacrifice, all that kind of thing.","start":345.48,"end":363.455,"sentiment":"neutral","sentiment_score":0.07984691878987683},{"text":"But if you're doing it from, like, a bank account that you have, it'll go in personal until you convert it.","start":363.455,"end":368.58002,"sentiment":"neutral","sentiment_score":0.03137427967573915}],"sentiment":"neutral","sentiment_score":0.15485974440181796,"num_words":110,"start":324.535,"end":368.58002},{"sentences":[{"text":"So whichever way you need it done, the accountant can can organize it.","start":368.58002,"end":372.5,"sentiment":"neutral","sentiment_score":0.06378704481399976},{"text":"If you need those forms done, we'll prefill them for you and help you get them done.","start":372.5,"end":376.095,"sentiment":"neutral","sentiment_score":0.09412525988676969},{"text":"We're there to make it as easy as possible.","start":381.935,"end":383.795,"sentiment":"positive","sentiment_score":0.36207013660007054},{"text":"Absolutely.","start":390.11,"end":390.59,"sentiment":"positive","sentiment_score":0.4470175802707672},{"text":"Absolutely.","start":390.59,"end":391.09,"sentiment":"neutral","sentiment_score":0.3210795521736145}],"sentiment":"neutral","sentiment_score":0.15746559420736825,"num_words":41,"start":368.58002,"end":391.09},{"sentences":[{"text":"Can I just quickly double check with you?","start":391.15,"end":393.00998,"sentiment":"neutral","sentiment_score":0.17715746443718672},{"text":"With the the company setup so I'm just cross referencing all the details you already gave us.","start":393.31,"end":398.68997,"sentiment":"neutral","sentiment_score":0.09034353056374718},{"text":"You've got your director of a company, and you're on-site doing the driver operator role for a mining company.","start":398.83,"end":406.305,"sentiment":"neutral","sentiment_score":0.05438870289608052},{"text":"Does the company that you're a director of, does that do training and assessing as its main?","start":408.845,"end":414.225,"sentiment":"neutral","sentiment_score":0.03576456722529495},{"text":"Perfect.","start":416.95,"end":417.45,"sentiment":"neutral","sentiment_score":0.2547711133956909}],"sentiment":"neutral","sentiment_score":0.07821377171503921,"num_words":62,"start":391.15,"end":417.45},{"sentences":[{"text":"So you still get paid, like, flat rate wages from the truck driving, and that's about a 130 k.","start":417.51,"end":424.25,"sentiment":"neutral","sentiment_score":0.12611409512005353},{"text":"Yep.","start":440.34003,"end":440.42,"sentiment":"neutral","sentiment_score":0.01823994889855385},{"text":"So you're still under the PSI roles.","start":440.42,"end":442.28,"sentiment":"neutral","sentiment_score":-0.02094264461525849},{"text":"So you need to earn from multiple sources directly?","start":469.73,"end":472.23,"sentiment":"neutral","sentiment_score":0.013220451358291838},{"text":"Yep.","start":475.82498,"end":476.32498,"sentiment":"neutral","sentiment_score":0.11388113349676132}],"sentiment":"neutral","sentiment_score":0.06758579566470675,"num_words":37,"start":417.51,"end":476.32498},{"sentences":[{"text":"Okay.","start":479.105,"end":479.605,"sentiment":"neutral","sentiment_score":0.027735404670238495},{"text":"Yep.","start":486.145,"end":486.645,"sentiment":"neutral","sentiment_score":0.24731360375881195},{"text":"Yeah.","start":489.81,"end":490.05,"sentiment":"positive","sentiment_score":0.3514024317264557},{"text":"Well, it's much better than being under PSI because that pretty much puts you as like a sole trader, one income source, your deductions go out the window.","start":490.05,"end":497.35,"sentiment":"positive","sentiment_score":0.4542030787893704},{"text":"So if you're getting that sort of flat rate from the mining company, because I think you were saying you're doing nine days on, five days off.","start":501.50497,"end":507.185,"sentiment":"neutral","sentiment_score":0.10166231873962614}],"sentiment":"neutral","sentiment_score":0.277396900900479,"num_words":58,"start":479.105,"end":507.185},{"sentences":[{"text":"Is that right?","start":507.185,"end":508.00497,"sentiment":"neutral","sentiment_score":0.07930513968070348},{"text":"Four days on-site, one day at home.","start":519.2,"end":522.26,"sentiment":"neutral","sentiment_score":0.04958349519542286},{"text":"And with the company itself, are you, like, an employee of your company?","start":523.695,"end":528.015,"sentiment":"neutral","sentiment_score":0.018916436256124422},{"text":"I know you're a director, but are you pulling wages, or is it all just kind of pulling in there at the moment?","start":528.015,"end":532.435,"sentiment":"neutral","sentiment_score":0.0019195481486942458},{"text":"Is that like a set thousand bucks a week or something?","start":537.47,"end":539.87,"sentiment":"neutral","sentiment_score":-0.10869454694065181}],"sentiment":"neutral","sentiment_score":-0.005624155301535339,"num_words":57,"start":507.185,"end":539.87},{"sentences":[{"text":"Does it fluctuate?","start":539.87,"end":540.69,"sentiment":"neutral","sentiment_score":-0.07325258602698644},{"text":"Or k.","start":540.75,"end":545.07,"sentiment":"neutral","sentiment_score":-0.0003939783200621605},{"text":"So if I've got you at 01:30 with the mining company, would it be much how much would you be pulling out of that company?","start":545.07,"end":550.69,"sentiment":"neutral","sentiment_score":0.01730224587023258},{"text":"Yeah?","start":550.725,"end":551.225,"sentiment":"neutral","sentiment_score":0.02793889492750168},{"text":"100 and 30.","start":561.845,"end":562.90497,"sentiment":"neutral","sentiment_score":0.045323352018992104}],"sentiment":"neutral","sentiment_score":0.011056452441741438,"num_words":34,"start":539.87,"end":562.90497},{"sentences":[{"text":"Oh, okay.","start":565.42,"end":566.06,"sentiment":"neutral","sentiment_score":0.010616219602525234},{"text":"So does that mean that everything from the truck driving and the training assessing all kinda gets mixed in?","start":566.06,"end":571.12,"sentiment":"neutral","sentiment_score":-0.02774363726769623},{"text":"Okay.","start":573.42,"end":573.74,"sentiment":"neutral","sentiment_score":0.05318623781204224},{"text":"That makes sense.","start":573.74,"end":574.38,"sentiment":"neutral","sentiment_score":0.05182910586396853},{"text":"Cool.","start":574.38,"end":574.77997,"sentiment":"neutral","sentiment_score":0.08211119472980499}],"sentiment":"neutral","sentiment_score":-0.008273535336439427,"num_words":26,"start":565.42,"end":574.77997},{"sentences":[{"text":"Gotcha.","start":574.77997,"end":575.1,"sentiment":"neutral","sentiment_score":-0.08305545151233673},{"text":"Gotcha.","start":575.1,"end":575.6,"sentiment":"neutral","sentiment_score":-0.12376511096954346},{"text":"Now it makes I thought it was one thirty plus company drawings on top.","start":576.285,"end":579.64496,"sentiment":"neutral","sentiment_score":-0.29425673293215887},{"text":"No.","start":579.64496,"end":579.885,"sentiment":"negative","sentiment_score":-0.5308527946472168},{"text":"That makes perfect sense.","start":579.885,"end":581.105,"sentiment":"negative","sentiment_score":-0.7336992025375366}],"sentiment":"negative","sentiment_score":-0.371050687063308,"num_words":21,"start":574.77997,"end":581.105},{"sentences":[{"text":"I was like, what?","start":581.485,"end":582.045,"sentiment":"negative","sentiment_score":-0.353222131729126},{"text":"You're on 200?","start":582.045,"end":583.02496,"sentiment":"neutral","sentiment_score":-0.1589569424589475},{"text":"No.","start":588.86,"end":589.36,"sentiment":"neutral","sentiment_score":-0.09209606051445007},{"text":"No.","start":589.82,"end":589.98,"sentiment":"neutral","sentiment_score":-0.0812309980392456},{"text":"No.","start":589.98,"end":590.38,"sentiment":"neutral","sentiment_score":-0.07857073098421097}],"sentiment":"neutral","sentiment_score":-0.21416571438312532,"num_words":10,"start":581.485,"end":590.38},{"sentences":[{"text":"So main goals are still obviously saving for the house, which I think what you were aiming for around mid next year would be ideal.","start":590.38,"end":597.52,"sentiment":"neutral","sentiment_score":0.30222687363624573},{"text":"It just pushes forward a year at a time.","start":601.835,"end":604.015,"sentiment":"neutral","sentiment_score":-0.14466676115989685},{"text":"No.","start":607.995,"end":608.235,"sentiment":"neutral","sentiment_score":-0.2944016456604004},{"text":"Not for the first bloody five years or so at least.","start":608.235,"end":611.215,"sentiment":"neutral","sentiment_score":-0.31712034344673157},{"text":"It always takes a few years to build it up, and then all of a sudden, there's a profit there eventually, but everyone thinks, oh, there's a tradie there pulling in a couple $100.","start":613.69,"end":620.41003,"sentiment":"neutral","sentiment_score":-0.2484259289853713}],"sentiment":"neutral","sentiment_score":-0.074694200232625,"num_words":80,"start":590.38,"end":620.41003},{"sentences":[{"text":"Yeah.","start":620.41003,"end":620.57,"sentiment":"neutral","sentiment_score":-0.12801706790924072},{"text":"It all goes in taxes and fees and all the rest of it.","start":620.57,"end":623.55005,"sentiment":"neutral","sentiment_score":-0.08549684372085792},{"text":"One day, mate.","start":630.745,"end":631.625,"sentiment":"neutral","sentiment_score":0.051893955717484154},{"text":"One day.","start":631.625,"end":632.285,"sentiment":"neutral","sentiment_score":0.05723065137863159},{"text":"Yeah.","start":656.855,"end":657.355,"sentiment":"neutral","sentiment_score":0.3132534325122833}],"sentiment":"neutral","sentiment_score":-0.03280397169291973,"num_words":20,"start":620.41003,"end":657.355},{"sentences":[{"text":"Yeah.","start":664.23004,"end":664.73004,"sentiment":"positive","sentiment_score":0.441999077796936},{"text":"Yeah.","start":679.285,"end":679.685,"sentiment":"neutral","sentiment_score":0.05044950544834137},{"text":"Yeah.","start":679.685,"end":680.185,"sentiment":"neutral","sentiment_score":0.06450358033180237},{"text":"Gotcha.","start":684.565,"end":685.065,"sentiment":"neutral","sentiment_score":0.1131955310702324},{"text":"Yeah.","start":701.345,"end":701.58496,"sentiment":"neutral","sentiment_score":-0.0004201438277959824}],"sentiment":"neutral","sentiment_score":0.13394551016390324,"num_words":5,"start":664.23004,"end":701.58496},{"sentences":[{"text":"So it's not doing online courses.","start":701.58496,"end":703.265,"sentiment":"neutral","sentiment_score":-0.1469721787919601},{"text":"It's not doing gym stuff.","start":703.265,"end":704.785,"sentiment":"neutral","sentiment_score":-0.18682558536529542},{"text":"It's all out there on the field, so to speak.","start":704.785,"end":706.96497,"sentiment":"neutral","sentiment_score":-0.08881075531244279},{"text":"Yeah.","start":730.73505,"end":731.23505,"sentiment":"neutral","sentiment_score":-0.024575073271989822},{"text":"Okay.","start":732.575,"end":732.97504,"sentiment":"neutral","sentiment_score":0.0001473948359489441}],"sentiment":"neutral","sentiment_score":-0.11863027091907419,"num_words":23,"start":701.58496,"end":732.97504},{"sentences":[{"text":"I'm just writing it down.","start":732.97504,"end":734.275,"sentiment":"neutral","sentiment_score":0.024115643836557864},{"text":"Yeah.","start":761.38,"end":761.62006,"sentiment":"neutral","sentiment_score":0.056937068700790405},{"text":"Cool.","start":761.62006,"end":762.12006,"sentiment":"neutral","sentiment_score":0.13074296712875366},{"text":"Trying to figure out the logistics of all the insurances and everything in the background, though.","start":765.30005,"end":769.16003,"sentiment":"neutral","sentiment_score":-0.09331104531884193},{"text":"Yeah.","start":776.435,"end":776.935,"sentiment":"neutral","sentiment_score":-0.029394231736660004}],"sentiment":"neutral","sentiment_score":-0.05058802924274156,"num_words":24,"start":732.97504,"end":776.935},{"sentences":[{"text":"Yep.","start":785.41,"end":785.81,"sentiment":"neutral","sentiment_score":0.0544949471950531},{"text":"Definitely a few things few things to work out the king's of.","start":785.81,"end":789.51,"sentiment":"neutral","sentiment_score":0.03445030950630704},{"text":"Yep.","start":806.88,"end":807.38,"sentiment":"neutral","sentiment_score":0.038786571472883224},{"text":"Yeah.","start":815.52,"end":816.02,"sentiment":"neutral","sentiment_score":0.02807617373764515},{"text":"Because you've got enough on your plate bouncing between sites and everything, mate, and then you better try and work that out with the missus.","start":817.04004,"end":822.385,"sentiment":"neutral","sentiment_score":0.015570610575377942}],"sentiment":"neutral","sentiment_score":0.023100666771642863,"num_words":40,"start":785.41,"end":822.385},{"sentences":[{"text":"Jeez.","start":833.34,"end":833.84,"sentiment":"neutral","sentiment_score":-0.023026466369628903},{"text":"Yeah.","start":835.5,"end":836.0,"sentiment":"neutral","sentiment_score":-0.010117771103978155},{"text":"But that's the thing too.","start":836.22003,"end":837.26,"sentiment":"neutral","sentiment_score":-0.05807921960949898},{"text":"Like, I I don't wanna be that guy trying to predict the future, but you're getting through to the late thirties now, and there's gonna be this weird push.","start":837.26,"end":843.82,"sentiment":"neutral","sentiment_score":-0.2536795200972721},{"text":"I see it all the time with the guys that they're breaking into all these different areas, and it's just really hard slog because the kids are still not old enough, and the work hasn't settled itself enough.","start":843.82,"end":854.555,"sentiment":"negative","sentiment_score":-0.365114294776791}],"sentiment":"neutral","sentiment_score":-0.29127823810621695,"num_words":74,"start":833.34,"end":854.555},{"sentences":[{"text":"But then by the mid forties, they're kinda laughing.","start":854.555,"end":857.515,"sentiment":"negative","sentiment_score":-0.3351487484243181},{"text":"You know what I mean?","start":857.515,"end":858.235,"sentiment":"neutral","sentiment_score":-0.2959180951118469},{"text":"And they they look back and go, jeez.","start":858.235,"end":859.835,"sentiment":"neutral","sentiment_score":-0.28629820607602596},{"text":"That was a tough slog.","start":859.835,"end":861.055,"sentiment":"negative","sentiment_score":-0.40930472016334535},{"text":"But four or five years from now, who knows where you could be?","start":861.54,"end":865.0,"sentiment":"neutral","sentiment_score":-0.11105471219007786}],"sentiment":"neutral","sentiment_score":-0.2569137429818511,"num_words":40,"start":854.555,"end":865.0},{"sentences":[{"text":"I don't know.","start":893.57,"end":894.47003,"sentiment":"negative","sentiment_score":-0.3368206520875295},{"text":"Is it the kids?","start":900.865,"end":901.845,"sentiment":"neutral","sentiment_score":-0.2970731034874916},{"text":"Is it the kids, the younger ones that just aren't clicking with it the way you are, or is it everyone?","start":902.225,"end":907.52496,"sentiment":"neutral","sentiment_score":-0.21178375007141204},{"text":"Yep.","start":914.32,"end":914.82,"sentiment":"neutral","sentiment_score":0.06555330753326416},{"text":"Yep.","start":921.775,"end":922.275,"sentiment":"neutral","sentiment_score":0.004975256975740194}],"sentiment":"neutral","sentiment_score":-0.21918948524010679,"num_words":30,"start":893.57,"end":922.275},{"sentences":[{"text":"Yeah.","start":935.39,"end":935.89,"sentiment":"neutral","sentiment_score":-0.10363013297319412},{"text":"Yeah.","start":948.04504,"end":948.28503,"sentiment":"neutral","sentiment_score":-0.1113528162240982},{"text":"Those two.","start":948.28503,"end":949.025,"sentiment":"neutral","sentiment_score":-0.08623044565320015},{"text":"That hybrid millennial Gen X so you can kind of do technology and tools with the hands.","start":953.005,"end":957.42505,"sentiment":"neutral","sentiment_score":0.001140911241664606},{"text":"Yeah.","start":991.69,"end":992.19,"sentiment":"neutral","sentiment_score":-0.11130120605230331}],"sentiment":"neutral","sentiment_score":-0.021788616156713528,"num_words":22,"start":935.39,"end":992.19},{"sentences":[{"text":"Well, fingers crossed.","start":1000.34503,"end":1001.385,"sentiment":"neutral","sentiment_score":0.15299912293752035},{"text":"I feel like you're in that little space where the competition is not gonna be that hard.","start":1001.385,"end":1005.565,"sentiment":"neutral","sentiment_score":0.3190368150963503},{"text":"Getting it organized, and, yeah, no one's gonna be able to sort of keep up and do both.","start":1006.505,"end":1011.01,"sentiment":"neutral","sentiment_score":-0.039580062652627625},{"text":"So, again, give it some time, and, again, close your eyes, wake up in a few years.","start":1011.01,"end":1015.33,"sentiment":"neutral","sentiment_score":0.158919397084152},{"text":"You'll be sweet.","start":1015.33,"end":1016.23,"sentiment":"positive","sentiment_score":0.6012736757596334}],"sentiment":"neutral","sentiment_score":0.1668212564726328,"num_words":58,"start":1000.34503,"end":1016.23},{"sentences":[{"text":"Yep.","start":1021.425,"end":1021.925,"sentiment":"neutral","sentiment_score":0.248389333486557},{"text":"Yeah.","start":1031.665,"end":1031.985,"sentiment":"neutral","sentiment_score":-0.15911968052387238},{"text":"I did see there was something about a credit card that you'd sort of paid off, but it stays on the credit file for a little while.","start":1031.985,"end":1036.57,"sentiment":"neutral","sentiment_score":-0.07433782586896862},{"text":"So you're just waiting for that to click off.","start":1036.57,"end":1038.43,"sentiment":"neutral","sentiment_score":-0.0647342631386386},{"text":"Yep.","start":1039.53,"end":1040.03,"sentiment":"neutral","sentiment_score":0.08663489669561386}],"sentiment":"neutral","sentiment_score":-0.06189295171927183,"num_words":39,"start":1021.425,"end":1040.03},{"sentences":[{"text":"Okay.","start":1041.77,"end":1042.27,"sentiment":"neutral","sentiment_score":0.094817653298378},{"text":"Yeah.","start":1064.4401,"end":1064.9401,"sentiment":"neutral","sentiment_score":0.10785964876413344},{"text":"So I think that's what plays into what you were saying about struggling to build up for the house deposit and that kind of thing because it's not just a simple way just come in, put it in a separate bank account.","start":1067.0,"end":1077.8351,"sentiment":"neutral","sentiment_score":0.10112132273969196},{"text":"You've got a lot of moving parts going on.","start":1077.9751,"end":1080.235,"sentiment":"positive","sentiment_score":0.33568491372797227},{"text":"Yeah.","start":1082.79,"end":1083.03,"sentiment":"neutral","sentiment_score":0.162078857421875}],"sentiment":"neutral","sentiment_score":0.1413521470019111,"num_words":54,"start":1041.77,"end":1083.03},{"sentences":[{"text":"Look.","start":1083.03,"end":1083.51,"sentiment":"neutral","sentiment_score":0.18811486661434176},{"text":"You can put some into your super first time super saver scheme, get a bit of a tax deduction, but the bookkeeping is the most important thing.","start":1083.51,"end":1091.1101,"sentiment":"neutral","sentiment_score":0.2630101480969676},{"text":"And how many years into the business are you at the moment?","start":1091.1101,"end":1093.6101,"sentiment":"neutral","sentiment_score":0.05748192919418216},{"text":"Three years.","start":1097.5249,"end":1098.1649,"sentiment":"neutral","sentiment_score":0.04801884666085243},{"text":"Yeah.","start":1098.1649,"end":1098.6449,"sentiment":"neutral","sentiment_score":0.06200259178876877}],"sentiment":"neutral","sentiment_score":0.18923749536449133,"num_words":43,"start":1083.03,"end":1098.6449},{"sentences":[{"text":"So you've gone through those first periods of, you know, GST and BAS statements and doing tax returns and all that.","start":1098.6449,"end":1105.625,"sentiment":"neutral","sentiment_score":-0.05992826686373779},{"text":"It definitely does settle down.","start":1105.6849,"end":1107.0449,"sentiment":"neutral","sentiment_score":0.0150349210947752},{"text":"And once you get a bit of a smooth running, because you've got three sources potentially to try and iron out, that'll settle down.","start":1107.0449,"end":1114.3099,"sentiment":"neutral","sentiment_score":0.2501130849123001},{"text":"And then you all of a sudden have a nice big pile of cash there for a couple of years, and that'll go towards house deposit.","start":1114.3099,"end":1119.2699,"sentiment":"positive","sentiment_score":0.34556821619088834},{"text":"So, yeah, a bit of forced savings is good, but it does even out after a while, so I wouldn't put it all away if you need to pile it into some cash as well.","start":1119.2699,"end":1128.045,"sentiment":"neutral","sentiment_score":0.20555492724691118}],"sentiment":"neutral","sentiment_score":0.1891764965210412,"num_words":111,"start":1098.6449,"end":1128.045},{"sentences":[{"text":"You know?","start":1128.045,"end":1128.6051,"sentiment":"neutral","sentiment_score":0.0799621045589447},{"text":"Do a bit of both.","start":1128.6051,"end":1129.5851,"sentiment":"neutral","sentiment_score":0.11051853597164155},{"text":"Cool.","start":1132.045,"end":1132.545,"sentiment":"positive","sentiment_score":0.713542103767395},{"text":"Mate, I'll keep everything else nice and simple for the other side of things.","start":1133.005,"end":1136.625,"sentiment":"positive","sentiment_score":0.6081256781305585},{"text":"I mentioned before just doing that bit of a top up for your other super fund for the insurances.","start":1137.73,"end":1142.07,"sentiment":"neutral","sentiment_score":0.29269805080012273}],"sentiment":"positive","sentiment_score":0.37807515736033276,"num_words":41,"start":1128.045,"end":1142.07},{"sentences":[{"text":"Yeah.","start":1145.6499,"end":1146.1499,"sentiment":"neutral","sentiment_score":0.009623603895306587},{"text":"Yes.","start":1171.0399,"end":1171.5399,"sentiment":"neutral","sentiment_score":-0.046953849494457245},{"text":"Just another headache.","start":1192.11,"end":1193.17,"sentiment":"neutral","sentiment_score":-0.1969379335641861},{"text":"Yeah.","start":1215.02,"end":1215.52,"sentiment":"neutral","sentiment_score":-0.07206082344055176},{"text":"I can see it in front of me.","start":1224.795,"end":1226.655,"sentiment":"neutral","sentiment_score":-0.07585694547742605}],"sentiment":"neutral","sentiment_score":-0.09336145953940493,"num_words":14,"start":1145.6499,"end":1226.655},{"sentences":[{"text":"Yeah.","start":1231.5951,"end":1231.995,"sentiment":"neutral","sentiment_score":0.011882823891937733},{"text":"Yeah.","start":1231.995,"end":1232.4751,"sentiment":"neutral","sentiment_score":0.02855675108730793},{"text":"I do a lot of the insurance advice.","start":1232.4751,"end":1234.5751,"sentiment":"neutral","sentiment_score":0.051972683519124985},{"text":"Yeah.","start":1254.4651,"end":1254.9651,"sentiment":"neutral","sentiment_score":0.023140447214245796},{"text":"Eighteen years with the base default policy pretty 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tonight.","start":1356.76,"end":1359.1001,"sentiment":"positive","sentiment_score":0.6756296541009631},{"text":"I've got a couple of ideas and thoughts here.","start":1359.16,"end":1361.8201,"sentiment":"positive","sentiment_score":0.4939493106471168},{"text":"So first port of call is you got a half $1,000,000 worth of life and disability insurance with ART, little bit of income protection.","start":1362.36,"end":1370.14,"sentiment":"neutral","sentiment_score":0.22714381975432238},{"text":"It's got no exclusions or anything on it for any preexisting conditions.","start":1371.955,"end":1377.735,"sentiment":"neutral","sentiment_score":0.2012658305466175},{"text":"So that just means claims easy because they're not gonna, oh, you've had this, you've had that, knock you back kind of thing.","start":1379.7949,"end":1386.3,"sentiment":"neutral","sentiment_score":0.14789138539977695}],"sentiment":"neutral","sentiment_score":0.2725745983918508,"num_words":75,"start":1356.76,"end":1386.3},{"sentences":[{"text":"In order to we could potentially transfer it, which transfer terms packages up that policy and moves it across to another super fund.","start":1389.1001,"end":1399.9349,"sentiment":"neutral","sentiment_score":0.06830350342004196},{"text":"Now I know an identical super fund to Netwealth, which I use heavily here at Oakview, Hub twenty four offers transfer terms, and it's got the exact same investment options for slightly cheaper fee.","start":1402.1549,"end":1414.14,"sentiment":"neutral","sentiment_score":0.13870088909478748},{"text":"If that's a goer, I don't wanna waste your time and open up super funds and move things around.","start":1416.46,"end":1420.54,"sentiment":"neutral","sentiment_score":-0.0320491064584961},{"text":"But if that's a goer, I could potentially look at trying to transfer and get it all into one fund, mimic the same investments.","start":1420.54,"end":1427.04,"sentiment":"neutral","sentiment_score":0.08806794012586276},{"text":"You'd you'd switch funds once, but it'll be two into the one.","start":1428.445,"end":1431.6649,"sentiment":"neutral","sentiment_score":0.06065144141515096}],"sentiment":"neutral","sentiment_score":0.07606540754620385,"num_words":112,"start":1389.1001,"end":1431.6649},{"sentences":[{"text":"Yep.","start":1440.14,"end":1440.64,"sentiment":"neutral","sentiment_score":0.1673632115125656},{"text":"Yeah.","start":1461.6749,"end":1461.995,"sentiment":"neutral","sentiment_score":0.1404610127210617},{"text":"We've got a lot of clients in this kind of it's like a sister super fund.","start":1461.995,"end":1465.68,"sentiment":"neutral","sentiment_score":0.06885060050990433},{"text":"They kind of compete with each other.","start":1465.76,"end":1467.2001,"sentiment":"neutral","sentiment_score":0.044225679976599555},{"text":"One's red, one's blue.","start":1467.2001,"end":1468.5801,"sentiment":"neutral","sentiment_score":0.08465952426195145}],"sentiment":"neutral","sentiment_score":0.07095350652676204,"num_words":29,"start":1440.14,"end":1468.5801},{"sentences":[{"text":"And the the red one offers insurance transfers, and Netwealth is good for trading.","start":1468.8,"end":1474.02,"sentiment":"neutral","sentiment_score":0.21795676914708956},{"text":"So they're pretty well identical, but different features.","start":1474.2401,"end":1478.5801,"sentiment":"neutral","sentiment_score":0.15481656417250633},{"text":"Yep.","start":1488.175,"end":1488.675,"sentiment":"neutral","sentiment_score":-0.061172258108854294},{"text":"Yeah.","start":1502.03,"end":1502.53,"sentiment":"neutral","sentiment_score":-0.03375596925616264},{"text":"And you already had a bit of an update from Kyle in January for an updated portfolio that knocked out the one that was underperforming, the Bennelong option, and he's got another one in there that's doing pretty well.","start":1507.4851,"end":1518.2251,"sentiment":"neutral","sentiment_score":0.12137954137646235}],"sentiment":"neutral","sentiment_score":0.14172700266279872,"num_words":63,"start":1468.8,"end":1518.2251},{"sentences":[{"text":"So I don't have to really jiggle around the investments much.","start":1519.44,"end":1522.32,"sentiment":"neutral","sentiment_score":0.06492371260273186},{"text":"I think I can keep it the same high risk portfolio just to switch a platforms potentially.","start":1522.32,"end":1528.58,"sentiment":"neutral","sentiment_score":0.13592968092245214},{"text":"I don't think we should like, I can call every insurer under the sun, research them all.","start":1533.615,"end":1538.275,"sentiment":"neutral","sentiment_score":-0.1434191925560727},{"text":"What I can see here in the fact find before then was something about sports related shoulder and ankle injuries, that type of thing.","start":1538.8151,"end":1545.99,"sentiment":"neutral","sentiment_score":-0.10820083878934383},{"text":"I think if there was anything to do with joints, screws, metal plates, surgeries, you tend to get exclusions for that type of thing.","start":1548.39,"end":1554.89,"sentiment":"neutral","sentiment_score":-0.15478746530910334}],"sentiment":"neutral","sentiment_score":-0.06155785115595947,"num_words":93,"start":1519.44,"end":1554.89},{"sentences":[{"text":"I would probably rather look at the transfer than that way, but what's your thoughts?","start":1554.95,"end":1559.05,"sentiment":"neutral","sentiment_score":-0.08206705575188002},{"text":"Yep.","start":1569.205,"end":1569.705,"sentiment":"neutral","sentiment_score":0.001749126939103007},{"text":"Yeah.","start":1598.85,"end":1599.35,"sentiment":"neutral","sentiment_score":-0.08870342373847961},{"text":"Yeah.","start":1615.425,"end":1615.925,"sentiment":"neutral","sentiment_score":-0.03076869994401932},{"text":"Are you dealing with any explosives now?","start":1645.4701,"end":1647.5701,"sentiment":"neutral","sentiment_score":-0.054070212479148595}],"sentiment":"neutral","sentiment_score":-0.06908881281502545,"num_words":25,"start":1554.95,"end":1647.5701},{"sentences":[{"text":"K.","start":1650.1101,"end":1650.6101,"sentiment":"neutral","sentiment_score":-0.11196307837963104},{"text":"Yep.","start":1668.5399,"end":1669.02,"sentiment":"neutral","sentiment_score":-0.039635494351387024},{"text":"Okay.","start":1669.02,"end":1669.52,"sentiment":"neutral","sentiment_score":-0.02923692017793655},{"text":"I'm gonna write this down.","start":1669.98,"end":1671.1,"sentiment":"neutral","sentiment_score":-0.02385616973042488},{"text":"No dangerous goods.","start":1671.1,"end":1672.22,"sentiment":"neutral","sentiment_score":-0.09600259612003963}],"sentiment":"neutral","sentiment_score":-0.053465829992836174,"num_words":11,"start":1650.1101,"end":1672.22},{"sentences":[{"text":"What was what did you call it before?","start":1672.22,"end":1673.5,"sentiment":"neutral","sentiment_score":-0.04829418519511819},{"text":"Shot fire?","start":1673.5,"end":1674.1599,"sentiment":"neutral","sentiment_score":-0.03573654219508171},{"text":"Yeah.","start":1679.515,"end":1679.835,"sentiment":"neutral","sentiment_score":0.02142949774861336},{"text":"Nice.","start":1679.835,"end":1680.335,"sentiment":"neutral","sentiment_score":0.08384653180837631},{"text":"That's fun.","start":1681.035,"end":1681.855,"sentiment":"neutral","sentiment_score":0.09500716999173164}],"sentiment":"neutral","sentiment_score":-0.011609728315046855,"num_words":14,"start":1672.22,"end":1681.855},{"sentences":[{"text":"Yeah.","start":1697.37,"end":1697.87,"sentiment":"neutral","sentiment_score":-0.17997723817825317},{"text":"Or something you wanna be around?","start":1704.265,"end":1705.725,"sentiment":"neutral","sentiment_score":-0.2692035213112831},{"text":"K.","start":1729.5751,"end":1730.0751,"sentiment":"neutral","sentiment_score":-0.039076581597328186},{"text":"I have a few thoughts.","start":1731.015,"end":1732.3151,"sentiment":"neutral","sentiment_score":0.0005247380584478378},{"text":"When you've got your split between what you're doing on-site at the moment versus training assessing, what would be the percentage split?","start":1733.015,"end":1740.3151,"sentiment":"neutral","sentiment_score":0.010746237774252553}],"sentiment":"neutral","sentiment_score":-0.04557811503764242,"num_words":35,"start":1697.37,"end":1740.3151},{"sentences":[{"text":"50 50, 90 10?","start":1740.39,"end":1749.9012,"sentiment":"neutral","sentiment_score":0.038943310268223286},{"text":"Eighty twenty.","start":1765.06,"end":1765.88,"sentiment":"neutral","sentiment_score":0.012258594390004873},{"text":"When you're doing the training tool usage, or is it all classroom?","start":1766.66,"end":1770.68,"sentiment":"neutral","sentiment_score":0.006620234887426098},{"text":"Yep.","start":1781.3151,"end":1781.8151,"sentiment":"neutral","sentiment_score":-0.027693279087543488},{"text":"Yep.","start":1789.8099,"end":1790.3099,"sentiment":"neutral","sentiment_score":0.02147551439702511}],"sentiment":"neutral","sentiment_score":0.012675774190574885,"num_words":20,"start":1740.39,"end":1790.3099},{"sentences":[{"text":"Okay.","start":1805.265,"end":1805.765,"sentiment":"neutral","sentiment_score":0.04395589604973793},{"text":"Yeah.","start":1837.15,"end":1837.65,"sentiment":"neutral","sentiment_score":0.017522692680358887},{"text":"That'd be pretty rare to go out to the offsites.","start":1840.1901,"end":1842.37,"sentiment":"neutral","sentiment_score":-0.08328803107142449},{"text":"Yep.","start":1860.525,"end":1861.02,"sentiment":"neutral","sentiment_score":0.12261375039815904},{"text":"K.","start":1863.98,"end":1864.22,"sentiment":"neutral","sentiment_score":0.032272763550281525}],"sentiment":"neutral","sentiment_score":-0.04403680057397911,"num_words":14,"start":1805.265,"end":1864.22},{"sentences":[{"text":"So the biggest thing always comes down to occupation rating.","start":1864.22,"end":1868.48,"sentiment":"neutral","sentiment_score":0.03081352598965168},{"text":"When you were doing explosives, you can't even do a transfer terms because it puts you as a high risk, and they click it off.","start":1869.8201,"end":1876.335,"sentiment":"neutral","sentiment_score":-0.1574114230275154},{"text":"Training and assessing for most of it is good.","start":1876.895,"end":1880.115,"sentiment":"positive","sentiment_score":0.43347932895024616},{"text":"When you're driving trucks, what are you driving?","start":1880.335,"end":1882.6749,"sentiment":"neutral","sentiment_score":0.08797061024233699},{"text":"Yeah.","start":1900.35,"end":1900.815,"sentiment":"neutral","sentiment_score":0.04527277499437332}],"sentiment":"neutral","sentiment_score":0.019305684937621064,"num_words":53,"start":1864.22,"end":1900.815},{"sentences":[{"text":"Gotcha.","start":1909.7749,"end":1910.1749,"sentiment":"neutral","sentiment_score":0.032600484788417816},{"text":"Gotcha.","start":1910.1749,"end":1910.6749,"sentiment":"neutral","sentiment_score":0.024435900151729584},{"text":"K.","start":1911.375,"end":1911.875,"sentiment":"neutral","sentiment_score":0.024361729621887207},{"text":"Okay.","start":1931.405,"end":1931.905,"sentiment":"neutral","sentiment_score":0.01464901864528656},{"text":"Yep.","start":1954.955,"end":1955.455,"sentiment":"neutral","sentiment_score":0.07139277458190918}],"sentiment":"neutral","sentiment_score":0.03348798155784607,"num_words":5,"start":1909.7749,"end":1955.455},{"sentences":[{"text":"Gotcha.","start":1960.875,"end":1961.375,"sentiment":"neutral","sentiment_score":0.056639667600393295},{"text":"Yeah.","start":1979.665,"end":1980.065,"sentiment":"neutral","sentiment_score":0.1408761590719223},{"text":"I think the way I'm trying to push it towards it for an occupation rating is if we can get something more towards the training and assessing space.","start":1980.065,"end":1988.245,"sentiment":"neutral","sentiment_score":0.17387479663427388},{"text":"The fact that there's no dangerous goods or shot fire license anymore is pretty good.","start":1988.99,"end":1993.25,"sentiment":"positive","sentiment_score":0.3686199367046356},{"text":"Simulated scenarios, that's pretty good too.","start":1994.43,"end":1998.2101,"sentiment":"positive","sentiment_score":0.44011739393075305}],"sentiment":"neutral","sentiment_score":0.2595296773840399,"num_words":51,"start":1960.875,"end":1998.2101},{"sentences":[{"text":"Look.","start":1999.55,"end":1999.9501,"sentiment":"neutral","sentiment_score":0.0465695858001709},{"text":"It it's you've probably got one of the trickiest occupations to assess.","start":1999.9501,"end":2003.89,"sentiment":"neutral","sentiment_score":-0.10049283411353827},{"text":"It's it's pretty crazy.","start":2005.925,"end":2007.865,"sentiment":"neutral","sentiment_score":-0.10757473483681679},{"text":"I'm gonna talk to a few and see what I can come up with.","start":2008.005,"end":2011.785,"sentiment":"neutral","sentiment_score":0.009070170910230704},{"text":"Can't promise anything.","start":2013.525,"end":2014.485,"sentiment":"neutral","sentiment_score":0.08533501376708348}],"sentiment":"neutral","sentiment_score":-0.0354898802607375,"num_words":34,"start":1999.55,"end":2014.485},{"sentences":[{"text":"It's just one of those fun things where I get to go and get on the blower and anonymously negotiate with 10 different insurance people and see if I can find anything that kind of fits.","start":2014.485,"end":2023.52,"sentiment":"neutral","sentiment_score":0.13875793872608078},{"text":"Yep.","start":2044.25,"end":2044.75,"sentiment":"neutral","sentiment_score":0.044078242033720016},{"text":"Yeah.","start":2061.385,"end":2061.885,"sentiment":"neutral","sentiment_score":0.006829295307397842},{"text":"Absolutely.","start":2070.6,"end":2071.1,"sentiment":"neutral","sentiment_score":0.02525073848664761},{"text":"I'm thinking it's weird when you've got a split between the driving a truck and training and assessing because it sounds like two occupations.","start":2071.8,"end":2082.2148,"sentiment":"neutral","sentiment_score":-0.07067600831699868}],"sentiment":"neutral","sentiment_score":0.05357491857712231,"num_words":63,"start":2014.485,"end":2082.2148},{"sentences":[{"text":"Gotcha.","start":2095.1702,"end":2095.6501,"sentiment":"neutral","sentiment_score":-0.05611719936132431},{"text":"You're not hauling for an entire day call out of a for an entire day, that type of thing.","start":2095.6501,"end":2101.4302,"sentiment":"neutral","sentiment_score":-0.16701165763171097},{"text":"Yep.","start":2109.265,"end":2109.765,"sentiment":"neutral","sentiment_score":0.060323964804410934},{"text":"Gotcha.","start":2146.91,"end":2147.39,"sentiment":"neutral","sentiment_score":0.030735403299331665},{"text":"Gotcha.","start":2147.39,"end":2147.8699,"sentiment":"neutral","sentiment_score":0.08225252479314804}],"sentiment":"neutral","sentiment_score":-0.13287073049856268,"num_words":23,"start":2095.1702,"end":2147.8699},{"sentences":[{"text":"Okay.","start":2147.8699,"end":2148.3699,"sentiment":"neutral","sentiment_score":0.20624011754989624},{"text":"So my first step's gonna be really good thing that we've got all these calls recorded because I'm gonna spin out the old AI at the back of it for all this information that you've just told me.","start":2148.43,"end":2158.7952,"sentiment":"positive","sentiment_score":0.3513565655601652},{"text":"Because I've I've noted down, like, 80% of what you told me, but I'm gonna sit there.","start":2158.7952,"end":2162.715,"sentiment":"neutral","sentiment_score":0.13676944331211202},{"text":"I'm gonna read over about four or five times.","start":2162.715,"end":2164.815,"sentiment":"neutral","sentiment_score":0.12312177154752943},{"text":"And then we're gonna call around and see if we can get you a good occupation rating with somebody.","start":2165.17,"end":2169.67,"sentiment":"neutral","sentiment_score":0.18508189759756388}],"sentiment":"neutral","sentiment_score":0.24413716837408997,"num_words":84,"start":2147.8699,"end":2169.67},{"sentences":[{"text":"If I need any more info, we'll definitely get in touch.","start":2171.17,"end":2174.47,"sentiment":"neutral","sentiment_score":0.11831297827037898},{"text":"I don't even wanna touch anything sort of health related at the moment because, yes, sleep apnea, that's could be pretty well sweet, or maybe they want a sleep study, whatever it is.","start":2175.49,"end":2185.325,"sentiment":"neutral","sentiment_score":-0.08277085269131049},{"text":"Transfer terms, you don't generally need that for that.","start":2185.385,"end":2187.7048,"sentiment":"neutral","sentiment_score":-0.10562660296758015},{"text":"So that's my first port of call is if I can skip all that, I will.","start":2187.7048,"end":2190.9248,"sentiment":"neutral","sentiment_score":-0.029410935938358307},{"text":"And then I'm just gonna sort of chop down the line first, get occupation sorted.","start":2191.2249,"end":2195.73,"sentiment":"neutral","sentiment_score":0.1019584799806277}],"sentiment":"neutral","sentiment_score":-0.01573610214109067,"num_words":84,"start":2171.17,"end":2195.73},{"sentences":[{"text":"If I can get you transferred, we're golden.","start":2196.51,"end":2198.4502,"sentiment":"neutral","sentiment_score":0.22729505877941847},{"text":"If I can't, then we go into a bit more depth with health as well.","start":2198.59,"end":2201.73,"sentiment":"neutral","sentiment_score":0.008817362785339355},{"text":"Cool.","start":2203.9502,"end":2204.4502,"sentiment":"positive","sentiment_score":0.5527395009994507},{"text":"So I'll do the research first.","start":2204.59,"end":2206.35,"sentiment":"neutral","sentiment_score":0.2805483490228653},{"text":"I'll get the team to get in touch with you and maybe get some extra info from you.","start":2206.35,"end":2209.7349,"sentiment":"neutral","sentiment_score":0.26413291113244164}],"sentiment":"neutral","sentiment_score":0.18627172724033395,"num_words":48,"start":2196.51,"end":2209.7349},{"sentences":[{"text":"If we can consolidate, we'll do that.","start":2211.1548,"end":2214.135,"sentiment":"neutral","sentiment_score":0.18704994608248984},{"text":"If not, I'll let you know if we if there's just no chance.","start":2214.835,"end":2217.575,"sentiment":"negative","sentiment_score":-0.4396923872140738},{"text":"And what the what they tell me, basically, when I talk to the head underwriters is what the range is and saying if we get this information or he ends up doing this, then it's good.","start":2217.7148,"end":2227.3398,"sentiment":"neutral","sentiment_score":-0.013519146117485233},{"text":"If not, we're looking at a middle issue or a full decline, and I can just get that range of outcomes for you.","start":2227.4,"end":2233.035,"sentiment":"neutral","sentiment_score":-0.04368251675496931},{"text":"Cool.","start":2235.4348,"end":2235.9348,"sentiment":"positive","sentiment_score":0.5760902166366577}],"sentiment":"neutral","sentiment_score":-0.06652435425203293,"num_words":80,"start":2211.1548,"end":2235.9348},{"sentences":[{"text":"I won't give you anything about how much to contribute to your super or anything like that because you're obviously talking to your accountant at the moment.","start":2237.115,"end":2243.375,"sentiment":"neutral","sentiment_score":-0.0031507669913548005},{"text":"We'll just look at the insurances, the consolidations, keep the portfolio pretty well the same.","start":2244.075,"end":2249.51,"sentiment":"neutral","sentiment_score":0.09808237651983896},{"text":"How does that sound?","start":2249.51,"end":2250.49,"sentiment":"neutral","sentiment_score":0.10335084982216358},{"text":"They've gone up to 12 now.","start":2287.555,"end":2289.015,"sentiment":"neutral","sentiment_score":-0.15087425212065378},{"text":"It went up half a percent a year from nine and a half to 12 over five years, Now everyone's getting a bit of a monster from there.","start":2293.075,"end":2299.68,"sentiment":"neutral","sentiment_score":-0.3025991570736681}],"sentiment":"neutral","sentiment_score":-0.09473066965583712,"num_words":80,"start":2237.115,"end":2299.68},{"sentences":[{"text":"That's the thing is when you got a company in that, those first few years are a little bit of a spin your tires in the mud getting it all sorted.","start":2299.68,"end":2306.1,"sentiment":"neutral","sentiment_score":-0.16152824882057407},{"text":"But if you can get up to 12% at some point regularly, that's pretty good.","start":2306.4,"end":2310.615,"sentiment":"neutral","sentiment_score":0.31912963688373563},{"text":"So 15 six.","start":2313.255,"end":2314.555,"sentiment":"neutral","sentiment_score":0.05491512268781662},{"text":"With a bit of an offset.","start":2336.725,"end":2338.025,"sentiment":"neutral","sentiment_score":0.01586208414907257},{"text":"Yeah.","start":2338.085,"end":2338.585,"sentiment":"neutral","sentiment_score":0.045069370418787}],"sentiment":"neutral","sentiment_score":0.0015099300570519906,"num_words":56,"start":2299.68,"end":2338.585},{"sentences":[{"text":"A little bit.","start":2349.2998,"end":2349.94,"sentiment":"neutral","sentiment_score":0.0009112879633903503},{"text":"Yeah.","start":2349.94,"end":2350.18,"sentiment":"neutral","sentiment_score":0.011402644217014313},{"text":"I can crunch some numbers for you.","start":2350.18,"end":2352.1199,"sentiment":"neutral","sentiment_score":0.016249542257615497},{"text":"Yeah.","start":2362.355,"end":2362.855,"sentiment":"neutral","sentiment_score":-0.009657548740506172},{"text":"So it depends on how the contributions are made because you can do it two different ways.","start":2402.32,"end":2406.24,"sentiment":"neutral","sentiment_score":-0.08001125340952593}],"sentiment":"neutral","sentiment_score":-0.042826398372136316,"num_words":29,"start":2349.2998,"end":2406.24},{"sentences":[{"text":"This is where it gets painful.","start":2406.24,"end":2407.6199,"sentiment":"negative","sentiment_score":-0.4241642604271571},{"text":"Is the government don't make it easy, but it's a it's a step through step through of ruling.","start":2409.815,"end":2414.375,"sentiment":"neutral","sentiment_score":-0.18435623207026058},{"text":"So anything that's before tax, you withdraw that with a 30% tax offset.","start":2414.375,"end":2420.795,"sentiment":"neutral","sentiment_score":-0.028645629779650614},{"text":"So you pay 15% on the way in, and you get a 30% offset on the way out.","start":2422.19,"end":2428.0498,"sentiment":"neutral","sentiment_score":0.11443365613619487},{"text":"If you're putting it in there after tax dollars, then you've already paid tax on the after tax dollars.","start":2430.1099,"end":2437.635,"sentiment":"neutral","sentiment_score":0.014825963219137568}],"sentiment":"neutral","sentiment_score":-0.052625565072269856,"num_words":74,"start":2406.24,"end":2437.635},{"sentences":[{"text":"Yeah.","start":2441.615,"end":2441.935,"sentiment":"neutral","sentiment_score":0.1837689578533173},{"text":"And you get that little 15% difference.","start":2441.935,"end":2443.935,"sentiment":"neutral","sentiment_score":0.22363703378609248},{"text":"You don't get the full lovely 22% because 15 versus 37 and Medicare on top.","start":2443.935,"end":2449.74,"sentiment":"neutral","sentiment_score":-0.023175108432769775},{"text":"You'll get a 15% difference, which will help a little bit, plus a bit of earnings on top can come out.","start":2450.06,"end":2455.52,"sentiment":"positive","sentiment_score":0.46293672351610093},{"text":"A little bit of interest can come out as well.","start":2456.06,"end":2458.56,"sentiment":"positive","sentiment_score":0.5249951124191284}],"sentiment":"neutral","sentiment_score":0.30320784973877446,"num_words":54,"start":2441.615,"end":2458.56},{"sentences":[{"text":"So they'll do that thing where it gets handled in your tax return.","start":2492.105,"end":2495.645,"sentiment":"neutral","sentiment_score":0.03418973861978604},{"text":"So you might get that lump sum, then all of a sudden, it's like, hey.","start":2496.105,"end":2499.49,"sentiment":"neutral","sentiment_score":0.09801919087767601},{"text":"This has been added to your income minus an offset kind of thing.","start":2499.49,"end":2502.47,"sentiment":"neutral","sentiment_score":0.05021973985892076},{"text":"That's where it kind of goes out in the wash for your tax return because some of the tax gets handled within the funds, some gets handled at tax time.","start":2503.97,"end":2511.705,"sentiment":"neutral","sentiment_score":-0.16672300038238366},{"text":"That's the that's the kind of painful bit.","start":2513.3052,"end":2515.405,"sentiment":"negative","sentiment_score":-0.4495890010148287}],"sentiment":"neutral","sentiment_score":-0.07633912577470646,"num_words":79,"start":2492.105,"end":2515.405},{"sentences":[{"text":"But yeah.","start":2516.2651,"end":2517.2551,"sentiment":"neutral","sentiment_score":-0.17915889620780945},{"text":"That's the way the government does it, though.","start":2532.28,"end":2533.8,"sentiment":"neutral","sentiment_score":-0.14595041796565056},{"text":"You know, this whole idea of, like, tell us how much you think you owe us, and if it's right, we'll give it to you.","start":2533.8,"end":2537.8,"sentiment":"neutral","sentiment_score":0.0653011029958725},{"text":"And if not, we'll give you a bill.","start":2537.8,"end":2539.34,"sentiment":"neutral","sentiment_score":-0.09735692851245403},{"text":"They'd rather you figure it all out for a year.","start":2540.485,"end":2542.885,"sentiment":"neutral","sentiment_score":-0.19672127515077592}],"sentiment":"neutral","sentiment_score":-0.049801164921724574,"num_words":53,"start":2516.2651,"end":2542.885},{"sentences":[{"text":"Yeah.","start":2542.885,"end":2543.125,"sentiment":"neutral","sentiment_score":-0.07048541307449341},{"text":"Tell us all the things that happened to you in a year and how you think it went, and then we'll just crisscross some i's and t's and see what the actual figure is.","start":2543.125,"end":2549.625,"sentiment":"neutral","sentiment_score":0.06738655438975376},{"text":"Makes sense?","start":2552.9,"end":2553.72,"sentiment":"positive","sentiment_score":0.5300545990467072},{"text":"Yeah.","start":2556.3398,"end":2556.8198,"sentiment":"neutral","sentiment_score":0.17547209560871124},{"text":"Yep.","start":2556.8198,"end":2557.3198,"sentiment":"neutral","sentiment_score":0.15257716178894043}],"sentiment":"neutral","sentiment_score":0.09253374081200515,"num_words":39,"start":2542.885,"end":2557.3198},{"sentences":[{"text":"Alright, Mark.","start":2559.8599,"end":2560.5798,"sentiment":"neutral","sentiment_score":0.16690293699502945},{"text":"So we'll talk more about the Super Saver scheme as we go as well.","start":2560.5798,"end":2565.14,"sentiment":"neutral","sentiment_score":0.21407336741685867},{"text":"I'll do the research on the insurances.","start":2565.14,"end":2566.92,"sentiment":"neutral","sentiment_score":0.16345944787774766},{"text":"Contributions wise, yeah, if you can get it 12% at some point would be good because I'd hate to see someone earning good coin getting less than their super than the McDonald's worker.","start":2569.195,"end":2578.175,"sentiment":"neutral","sentiment_score":-0.04856915241389564},{"text":"I've seen that go wrong too many times.","start":2579.275,"end":2581.295,"sentiment":"neutral","sentiment_score":-0.13030016887933016}],"sentiment":"neutral","sentiment_score":0.02859165269182995,"num_words":64,"start":2559.8599,"end":2581.295},{"sentences":[{"text":"Yeah.","start":2584.46,"end":2584.78,"sentiment":"neutral","sentiment_score":0.03070316836237907},{"text":"And it's fine for a few like I said, the first three to five years is set up point.","start":2584.78,"end":2589.92,"sentiment":"neutral","sentiment_score":0.10385519383769286},{"text":"It's just you don't wanna be 48, 49, and being like, oh, I better start.","start":2589.98,"end":2594.4,"sentiment":"neutral","sentiment_score":-0.045783560971419016},{"text":"That's when it's hard to catch up.","start":2595.9448,"end":2597.7249,"sentiment":"neutral","sentiment_score":-0.1796602542911257},{"text":"Five years in your thirties is fine.","start":2598.9048,"end":2600.345,"sentiment":"neutral","sentiment_score":-0.013331394376499313}],"sentiment":"neutral","sentiment_score":-0.0006886347748187124,"num_words":49,"start":2584.46,"end":2600.345},{"sentences":[{"text":"Anyone can catch up with that with a bit of high growth and some extra contributions.","start":2600.345,"end":2603.4849,"sentiment":"neutral","sentiment_score":0.09359670174308121},{"text":"No problem at all.","start":2604.025,"end":2605.2449,"sentiment":"neutral","sentiment_score":0.12322992458939552},{"text":"K?","start":2606.76,"end":2607.26,"sentiment":"neutral","sentiment_score":0.030708886682987213},{"text":"So that document that I emailed through to you, that's got that rollover form, service agreement, financial services guide.","start":2608.68,"end":2616.3801,"sentiment":"neutral","sentiment_score":0.07525023386666649},{"text":"Everything I do insurance wise, I'm actually going on bloody paternity leave next month.","start":2617.48,"end":2623.085,"sentiment":"neutral","sentiment_score":0.15642652500952994}],"sentiment":"neutral","sentiment_score":0.10446114086166576,"num_words":54,"start":2600.345,"end":2623.085},{"sentences":[{"text":"Got my third on the way.","start":2624.9849,"end":2626.105,"sentiment":"neutral","sentiment_score":0.16308055321375528},{"text":"I've got two boys and I've got a girl coming in June, so I'll I'll be taking two weeks off.","start":2626.105,"end":2630.365,"sentiment":"neutral","sentiment_score":0.07654072353616356},{"text":"I'll be I'll take a little bit more afterwards when I'm more used to the wife.","start":2632.905,"end":2637.01,"sentiment":"neutral","sentiment_score":-0.0009155894695140887},{"text":"Initially, it's just, you know, make sure the house is sorted.","start":2637.95,"end":2640.19,"sentiment":"neutral","sentiment_score":-0.018438494171608578},{"text":"Her mom comes for a month, and we're all good.","start":2640.19,"end":2642.21,"sentiment":"neutral","sentiment_score":0.21857258826494216}],"sentiment":"neutral","sentiment_score":0.07107223500405246,"num_words":63,"start":2624.9849,"end":2642.21},{"sentences":[{"text":"But I'll try and get all this sorted with you before I go because, obviously, end of financial year contributions, insurances, all that fun stuff.","start":2642.67,"end":2651.0552,"sentiment":"neutral","sentiment_score":0.14896683558821677},{"text":"If not, the insurances we might finalize in July.","start":2651.7551,"end":2654.575,"sentiment":"neutral","sentiment_score":0.02085669856104586},{"text":"Cool.","start":2656.955,"end":2657.455,"sentiment":"neutral","sentiment_score":0.3164234161376953},{"text":"Alright.","start":2660.235,"end":2660.735,"sentiment":"neutral","sentiment_score":0.04696843773126602},{"text":"Yeah.","start":2665.13,"end":2665.45,"sentiment":"neutral","sentiment_score":0.09535928070545197}],"sentiment":"neutral","sentiment_score":0.11812519760349312,"num_words":37,"start":2642.67,"end":2665.45},{"sentences":[{"text":"And, look, I'll do my due diligence to make sure I'm as careful as possible to actually get a a good idea.","start":2665.45,"end":2670.57,"sentiment":"neutral","sentiment_score":0.12653754617680202},{"text":"I don't wanna waste your time.","start":2670.57,"end":2671.93,"sentiment":"neutral","sentiment_score":-0.14523025726278624},{"text":"And then when we ask you for extra information, that's because we actually need it at that point.","start":2671.93,"end":2675.985,"sentiment":"neutral","sentiment_score":-0.004064488716216551},{"text":"But anything I can save time wise for you, I'll I'll skip.","start":2676.145,"end":2680.165,"sentiment":"neutral","sentiment_score":-0.028962614635626476},{"text":"Cool, Mark.","start":2683.0251,"end":2683.8452,"sentiment":"neutral","sentiment_score":0.31457504630088806}],"sentiment":"neutral","sentiment_score":0.03534803987325479,"num_words":60,"start":2665.45,"end":2683.8452},{"sentences":[{"text":"Talked about a few different things, but any questions so far?","start":2684.945,"end":2687.7651,"sentiment":"neutral","sentiment_score":0.09855734218250621},{"text":"Perfect.","start":2691.84,"end":2692.34,"sentiment":"positive","sentiment_score":0.5214835405349731},{"text":"Alright.","start":2692.56,"end":2693.06,"sentiment":"neutral","sentiment_score":0.25508958101272583},{"text":"I'll leave that email pack with you.","start":2693.36,"end":2695.84,"sentiment":"neutral","sentiment_score":0.18868091702461243},{"text":"If you have any trouble with the old DigiSign, let us know.","start":2695.84,"end":2699.6,"sentiment":"neutral","sentiment_score":0.056560197845101357}],"sentiment":"neutral","sentiment_score":0.12063102121464908,"num_words":32,"start":2684.945,"end":2699.6},{"sentences":[{"text":"It's pretty straightforward as a stamp where you can hit the button and draw your signature on there.","start":2699.6,"end":2703.945,"sentiment":"neutral","sentiment_score":0.09071858475605647},{"text":"You could download a signed copy.","start":2705.145,"end":2706.5051,"sentiment":"neutral","sentiment_score":0.11411761119961739},{"text":"There'll be a pop up button for that at the end.","start":2706.5051,"end":2708.685,"sentiment":"neutral","sentiment_score":0.11251024292273955},{"text":"Outside of that, you've got some work for me to do and a bit of research, so I'm gonna go dive into it.","start":2710.2651,"end":2715.085,"sentiment":"neutral","sentiment_score":0.14636794088975244},{"text":"And I will definitely be in touch over the fortnight for some extra info and then getting you booked in again with me.","start":2715.3052,"end":2722.5898,"sentiment":"positive","sentiment_score":0.45197825457738794}],"sentiment":"neutral","sentiment_score":0.21379278223087758,"num_words":81,"start":2699.6,"end":2722.5898},{"sentences":[{"text":"No worries.","start":2725.8499,"end":2726.49,"sentiment":"neutral","sentiment_score":0.14883704110980034},{"text":"Last question I've got before I leave you let you go.","start":2726.49,"end":2728.91,"sentiment":"neutral","sentiment_score":0.07588736577467485},{"text":"Estate planning wise, because I've just got to touch on that.","start":2729.835,"end":2732.815,"sentiment":"neutral","sentiment_score":0.09269535067406567},{"text":"Did you end up putting a will in place?","start":2733.195,"end":2734.9749,"sentiment":"neutral","sentiment_score":0.07539315397540729},{"text":"Cool.","start":2737.035,"end":2737.535,"sentiment":"neutral","sentiment_score":0.03362981975078583}],"sentiment":"neutral","sentiment_score":0.08424271084368229,"num_words":34,"start":2725.8499,"end":2737.535},{"sentences":[{"text":"I'll include a bit of a reminder on that, whether it's a post office will kit, the solicitors, or trustee of Queensland, public trustee at the courthouse can even do it.","start":2737.915,"end":2747.43,"sentiment":"neutral","sentiment_score":0.06257307673654249},{"text":"I'm just double checking beneficiary nominations.","start":2747.97,"end":2750.23,"sentiment":"neutral","sentiment_score":0.0549146564056476},{"text":"I can't actually see the Netwealth one on there at the moment, but I know you've got Kerry, Milo, and Miller.","start":2753.65,"end":2760.005,"sentiment":"neutral","sentiment_score":-0.017831577963772275},{"text":"Do you remember how you wanted that organized?","start":2760.2249,"end":2762.165,"sentiment":"neutral","sentiment_score":0.026678906055167317},{"text":"K.","start":2767.425,"end":2767.925,"sentiment":"neutral","sentiment_score":0.005197063088417053}],"sentiment":"neutral","sentiment_score":0.0315435595754812,"num_words":67,"start":2737.915,"end":2767.925},{"sentences":[{"text":"Sixty twenty five twenty five.","start":2769.105,"end":2770.865,"sentiment":"neutral","sentiment_score":0.009788407571613788},{"text":"I'll do a check to make sure that's on ARTN's Netwealth.","start":2770.865,"end":2774.17,"sentiment":"neutral","sentiment_score":0.04022981277243658},{"text":"And if not, we'll send you some forms and let you know.","start":2774.17,"end":2778.83,"sentiment":"neutral","sentiment_score":0.057756206796815},{"text":"Awesome.","start":2781.69,"end":2782.19,"sentiment":"positive","sentiment_score":0.7654455900192261},{"text":"Mate, thank you very much for spending the time with me today.","start":2782.33,"end":2784.57,"sentiment":"positive","sentiment_score":0.8412706255912781}],"sentiment":"neutral","sentiment_score":0.2937862818788101,"num_words":41,"start":2769.105,"end":2784.57},{"sentences":[{"text":"It's been fun.","start":2784.57,"end":2785.47,"sentiment":"positive","sentiment_score":0.8303087949752808},{"text":"I'd like to see if I can get a bit of a win on these.","start":2786.9348,"end":2789.015,"sentiment":"positive","sentiment_score":0.5178053796291351},{"text":"No promises, but you've got a fun one for me.","start":2789.015,"end":2792.555,"sentiment":"positive","sentiment_score":0.6242767572402954},{"text":"No worries.","start":2795.9749,"end":2796.4548,"sentiment":"positive","sentiment_score":0.5500861704349518},{"text":"Have a great night, and I'll talk to you soon.","start":2796.4548,"end":2798.135,"sentiment":"positive","sentiment_score":0.7258044421672821}],"sentiment":"positive","sentiment_score":0.6214747853577137,"num_words":40,"start":2784.57,"end":2798.135},{"sentences":[{"text":"Cheers, mate.","start":2798.135,"end":2800.4548,"sentiment":"positive","sentiment_score":0.35185082256793976},{"text":"Bye.","start":2800.4548,"end":2800.9548,"sentiment":"neutral","sentiment_score":-0.08965135365724564}],"sentiment":"neutral","sentiment_score":0.20468343049287796,"num_words":3,"start":2798.135,"end":2800.9548}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. I'm speaking. Sensational, mate. Sure. I literally just got back to camp. I'm just walking at the moment. Gonna go back to my car, but feel free to start going through. I I won't have my computer in it to look at anything, but happy to keep going through it, mate. I did organize the time because this is when I'm normally back at camp, so that's fine. Yeah, mate. Jump in. Date of birth, ninth the first eighty '6. Address, 7 Flinders Court, Lammermoor 4703, Queensland. That's perfectly fine. Yep. Yeah. That's fine, mate. Yep. Yeah, mate. No drums at all. No, mate. I filed on that on my behalf there. Not a drama. That's fine. Yes and no. Like, I'm still waiting for advice to come back from the accounting for the business at the moment, but I'm looking at trying to do extra contributions this or or contributions in general this year. So I'm just waiting to hear back from him as to the best way to do it, how to do it. I already know my limit's $27,500 annually, but can you backdated for five years if I wanna hide some more extra money? Working through that, basically, I wanna do that because I'm not saving money like I save money, and then I lose it to bills or whatever at the time where it's it's where it's good. I've I've let the money go and pay the bills. That's perfect. Not not contributing to my super. It's kind of frustrating. And not saving for a house, even more frustrating. So I'm looking into this first time super saver if it's still gonna be around for a while, sending the government that's in now. Yep. Yes. They have. And I've given that to my accountant, And I've just said to him, like, this is what I've got here. What's the best way to structure these payments? How do I do it? Just so clueless to this stuff. Nope. Wouldn't know what that is inside. Yep. Of course, it's not. Beautiful. I was wondering how that worked. I thought you just put in that goes, oh, it's super easy. And he hasn't put over 27,500 in there. That's fine. Yes. Money's come from a company. Yep. Yes, sir. Sensational. See, this is what I deal with you guys, because you guys know what you're doing and I don't. Yeah. When I when I can use it, 100%, and I'm looking forward to it. Yes, ma'am. Yes. Yep. Yes. Yes. Yeah. By the time the account works out, because it's still under a PSI, not a PSP. The accountant's got it set up, and he does his thing with numbers, and I've gotta pay this much money sort of thing, how it works. And it's a rent that yeah. So I'm trying to get into the PSP, but it's proving to be a little bit more difficult than I thought. I thought I'd be able to just get some work for my wife, and that would see a different stream of income coming in consistently, and that would cover it. But the accountant says if it's a partner earning an income, it's not it won't cost you as PSP. So, yeah, with this this year, I will be. I'll earn probably $50.50 from two different sources. So I'm hoping that'll get me under the PSP, which it tells me it's very handy with more tax rates or creative tax tax measures I can use. Yeah. Yes. Retarded. So I was I'm now doing Monday the first. I'm doing four days a week, basically, now. I do four days on-site and then one day at home. Now? No. I'll pull pull away, Jeff, at the moment. Yes. Yeah. That's that's why I just pull out a set amount every every fortnight. I pull out more, but by the time the accountant does his stuff and then works it all out and balances it and whatever he does, it the last two years, they come around at 130. So you're pretty safe. Everything goes in the one. Yep. Oh, fuck. Fuck. I wish. If if I could do that, that'd be I wouldn't be worried about first time super saver. Yep. Yeah. Well, I was aiming for mid last year, but running a company, you don't seem to make you don't make as much money as everyone thinks you do. Oh, oh, no. It's retarded. Yeah. Yeah. They just they just see, oh, come here. No. You must have plenty of money. Yeah. Of course I do. Yeah. Yeah. 100%. But now I'm working on another stream another income stream at the moment. I've just gotta talk to my insurance broker how that's gonna work because it's a a different type of training. It's it's training, but it's it's more my wife's a sports trainer. So sports trainer sounds like it fits perfect in training. On paper. It looks awesome. Getting to the nuts and bolts of it, it's actually like a like a a lower class physio. It's it's sort of what it would be. So she if you watch can you watch NRL? Yes. So she'd be one of the orange shirts running out doing the the leg doing the leg stretches, massages, fitness plans. Yeah. Doing that sort of sports training different to sitting in a machine training. It's more of a medical thing. So I've just gotta talk to the insurance broker how I'm gonna get that covered. It's it's out there on the field. It's on the sidelines. It will be in the gym running courses for the for the players and strengthening conditioning classes and stuff like that for them, but it's a it's a different type of training. It's not, oh, we're gonna blow some dirt up and get rid of it. It's we're actually dealing with people on a medical level now. So I've just gotta I've just gotta work out how that's gonna work with the insurances and whether I've got a whether I'll have to set up another entity just for that or whether I can run it all under the same or whether if we run a whole separate policy. Yeah. It's another thing. It's only just come to, like, the last probably three days we had someone approach us to take on some of Rugby Union Queensland's work. Yeah. It's cool, but it's I I just yeah. And then how the actual logistics are gonna work. Like, one week, we might be in Townsville. The next week, we might be in Brisbane. Like, I I just I just don't know how that's gonna work yet. So I've gotta gotta get them to get a plan to me and get a bit more sorted. Oh, there's what? Yeah. Yeah. I need I sorta need a plan for them to give me a plan what they want and a roster as to where the expectations are to be, and then we can and then I want, like, like, a position description as to what they want, and then I can take that from my insurance company insurance broker and go, this is what I'm actually doing. I'm not just not sports training. This is what we're doing. So few little things while I'm going. Yeah. Yeah. It's fun. And then we've got, obviously, two kids at home. Got a third one that's just broken up with the boyfriend who's moving back in. So, yeah, it's great. There's there's a bit going on at the moment. Yeah. Yes. Yeah. That's right. And that's sort of what I'm trying to keep in mind at the moment. I I I know what I do and how to do it, and I I know I can do it well because I know people some people can't do what I do on the site. And people tell me all the time I had to do that, and I'm just like, well, I've just done my fucking job. I read the paperwork and I filled it out and it's done. Like, what's so hard? But yeah. It's hard. It's hard dealing with meander falls, I guess. But so the the younger kids get the aspect of how to do the digital training. They don't get the aspect that they've got to read every single line to make sure they're they're doing what they need to do. And then I've got the older guys who are happy to sit there and try and take four hours and five hours to do something and read every single line and get it right, but they don't know how to drive the app to do what they needed to do. So I'm I'm sort of in that weird middle one. I'm not a I'm not a Gen Z. I'm not a what what's the what's the new one? A a z or alpha or whatever the fuck they're calling themselves. I'm sort of that weird in the in in the middle. So yeah. It's it's yeah. It's it's weird. So and and because there's probably three of us that are in that field, and I've got one who's got, like, higher up access who can help me out, and she deals with all that sort of stuff. And then me and this other trainer on another site. So I'm on one site, and we sort of deal with everyone trying to help them all out. And I've got another trainer who I bounce ideas off. And between the three of us, it's we're just all going out and going, how the fuck is this company surviving even though they're a multinational company? Like, what the fuck? But it is what it is, mate. Why don't we just turn up, get paid, try not to think too much about it, and just go home? There is there is none. That's the plan. So but, yeah, that's my biggest goal at the moment is purchasing a house. I've got an absolutely terrible credit rating because I've been bad at paying bills because I'm too busy at work. Yep. So that'll be April next year. That'll fine. That'll click off. So, yeah, I'm just waiting for that. Other than that, I think everything should be fine. So once that clicks off, and then I'll probably have to wait another twelve months or something, I guess, to show the credit ratings coming back up. So that's what I'm right now, I'm focusing on trying to keep on top of the book work, which I'm struggling with. But I'm trying to keep on top of that at the moment. And then oh, that'd be awesome. Yes. I'll be three years in October. Oh, fuck. Yeah. Yep. Yeah. Yep. Yep. Now that's cool. Yep. Now with that, what do I need to do to get insurances through you guys? So I got Stonewall last time. I went to go do it because of the sleep apnea is what I got told. Don't even bother. You've got insurances already. Keep them there. Rather than doing this to and fro with ART all the time, what do I need to do to get insurances with you? Or can you guys look at the insurances and go, mate, you got a good deal. It's not worthwhile. Like, I'm just this this tune and from from ART to use guys is I've just told you about all the moving parts and this is gonna be another moving part. Yes. You yes. You guys are managing it, but it's still something that's gonna be sitting in the back of my head going where's ART yet? And and then trying to remember to do that, which honestly, I always forget. It's like, yep. I've gotta do it, and then I forget, and then I see a view in an email or something like that. Like, a newsletter might come through, and I'll be like, oh, fuck. I've gotta do that. So I don't know if you guys have got access to look at what insurances I've got or if I need to do something for you to see what yeah. So have you got anything to do with insurances at all? Oh, beautiful. Because, yeah, the the only reason ART is there is because when I come to you guys, they said to me, because I've got sleep apnea, don't even bother about trying to change it because you've got insurance there. We'll leave it there. We'll leave it topped up at 10,000 or whatever it was when they drew the money out. So I know when I got that insurance set up, I was under a corporate insurance. And then when I left that company, I just said the ART. I don't care what it costs. I like what's there. I'm gonna keep the same. And that's what I've done. I haven't changed anything. I've just that's been the same insurance policy since 2000 when I start mine in 2008. So nearly eighteen years. Pretty much. Yep. So 2008, I started mining. ART actually bought people to site and set all that up. So and then I just went out I've had that for ages yeah. Yeah. Quite a while. And I just haven't changed it because when I come to use guys, I went, alright. Let's move the insurances over and have everything fall into one. And I got I got told don't do it because of this medical condition. So which I as far as I'm concerned, I no longer have. I've lost weight. The snoring stops. I'm calling to my wife anyway. The snoring stopped. She said when I'm sleeping, it doesn't sound like I'm gasping for air or anything like that. It's just dead quiet. She's actually gotta check to make sure I'm still breathing. So I'm assuming the sleep apnea is gone after losing a bit of weight. So I'm just wondering, do I need to go do another sleep study to get this confirmed or or what I need to do? Yep. Mhmm. Yep. Yep. Yep. Yeah. And that's what I'm looking for is just, one, because I'm gonna start making contributions very shortly. And then we're not worrying about transferring money from here to there. I mean, I'm happy with Netwealth, but if there's not an option there for me to have the one and I've gotta keep the two, but you've got an option where I can have the one and I'm gonna get similar return, I'm pretty open to that. And you guys are managing all that for me anyway. So whatever network we're getting. Yep. Yep. That's that's fine. So when I when you look at my risk profile, I'm in high risk at the moment anyway because at the end of the day, I've still got another thirty years of work. So I don't give a shit if I lose $20.30, $40 tomorrow because at the end of the day, I've still got thirty years to build it back up. If I would say fifty five, sixty, I might be a little bit more dubious, but right now, don't care. Yep. Yep. Yep. Cool. I like it. Yep. I'm not worried about whatever comes out for that type of insurance. I've got health insurance to cover me for that sort of stuff anyway. The only one I'm really wanna keep would be the TPD in the lot. That's the only thing I was really concerned about. I've I've got health insurance. I don't have income protection. I I don't have that other than what's in the super, but at the end of the day, I also don't have enough money there to to last me fucking ninety days in today's climate either. So whatever. I'm not concerned. If if I've gotta go without for a couple of weeks, whatever. It is what it is. The biggest thing for me is that TPD and life, because I am in in a high risk industry as they call it in coal mining or in in mining in general. And the only reason why I kept that same policy with them was because at the time I was doing I was dealing with explosives, and ART were happy to have me covered for that, which I found really bizarre. So that's why I've just continued on with that as well because I am ex shot fire now. I don't do it anymore, but I am I used to be a shot fire so that's why I just continued that insurance on. Nope. Nope. Don't deal with any don't do any training near explosives. Don't do anything with them at all. Don't even have a ShopRise license anymore. My store handling transport has all expired. I I don't deal with anything anything at all. I don't even have a dangerous goods license anymore. Yeah. Shot fire. So I used to be the I blow the dirt up, set all the bombs off. Yeah. Yeah. Well, it it's good, but then when they started having issues with Afghanistan and then I think it was Beirut that blew up when they the blew up at the harbor and flattened the town. I just went into this. This is not gonna be good, and it really wasn't. And I just handed everything in and went, I'm not not interested anymore. I I enjoy that work. I I really do. And I enjoy training people in that, but it's just an industry that's getting too heavily compliance and restrictive now. It's yeah. Not gonna get anything done. There's not it's not what it used to be. So I'm just not interested in it. So I'm just staying away from it. Pretty much all of my work is training assessing. Like, everything I do is training assessing. Some of it's on-site, some of it's off-site. So I would say let let's work with the, say, Monday to Thursday on-site and then the Friday off-site. So you'd be looking at five twenty, so eighty twenty. On-site, there's everything that's classed as a high risk task is is simulated because we don't expose trainees to real high risk scenarios. We simulate them on-site. So like any of our gas monitoring, working in confined space, working at heights, operating forklifts, all that sort of stuff is simulated in a controlled environment. So a lot of that's classroom based. When I'm doing training off-site and working for an RTO, that's done in the fifty fifty ratio. So fifty fifty so 50% is done in the classroom, and then we've got to go out and do practicals to ensure that the trainee understands how to use the the machines or the tooling safely. They understand the risks. They know how to implement controls. So we we go and do it. It's still a very controlled scenario because I'm the one that's controlling everything. But the very rarely go out to off-site. Anytime I go off-site is when I'm doing if I have to do a tree lopping course, which I haven't done one of them in I don't know how long. I normally just do operate and maintain chainsaws. This is all I've done lately. So yeah. Yep. That's right. Sometimes it's a coal mining truck. Sometimes it's a road train. Sometimes it's a HR. Sometimes it's a semi trailer. Sometimes it's a medium rigid truck. It just depends on what training's required at that point in time. So it could be a dump truck. It could be a road train a road going truck or it could be an off road haul truck. So my area of expertise is not off road haul trucks. My area of expertise is within the civil mining space. So smaller civil sized equipment that we would use to build roads, dams, levees, suburbia suburban streets, stuff like that on the mine sites. That's my expertise. That's what I angle in. I do hold the skills to train in the big dump trucks and has been called on occasionally to do it, but whole track pass outs, I think I've done maybe 20 in eighteen months. And in that eighteen months, I've probably done 3,000 assessments. So so it's very minute to have trainers for that. But occasionally, they do call me in and I am required. But it's like I said, I've done probably 3,000 assessments in the last two years, and probably 20 of them have been haul trucks. Yep. Yep. Potts retarded. It's not good at all. Yep. Yep. Yeah. That's fine. Like, if you if you need more information as to the type of training I do, I mean, I can I can tell you, like, there's there's excavators, there's loaders, there's graders, there's dozers? That's that's the main guts of my training are them five. But like I said, there is light vehicles, there is road trains. So it it is it's not straight, but it is all training assessing for people on their machines. It's not me operating them. I'm training and assessing people on their machines. So my whole job is training and assessing. It just varies to what's required at that point in time and what's required for what job. Well, I don't yeah. So I don't drive the truck. So, yes, I drive the truck to show the trainee where they need to go and how they need to drive the truck on-site. That is my expectation. Nice. Nice. I do one run, and I go, this is your expectation. I do one run, and then I get out, and I sit in the passenger seat, and they drive. So I'm not in there. And then if they can nail what I need them to nail in an hour and a half, all good marks. If it takes them two days, well, then I've gotta sit in the seat beside them for two days. I mean, it it just it is what it is, but I'd I'd set the expectation with me doing the first run, and then that's it. I'm here to assess you because you're coming here with previous skills. Why we go? Show me what you can do. So that's that's what I normally do. I I don't actually sit there and haul myself. Yep. Yep. Yep. Yep. That's cool. Goodbye. Yeah. No. That'd be cool. Thank you. Yep. Yeah. Yeah, mate. That's that's perfectly fine. What what would you recommend what what would be your advice for contributions to to be going in? Like like, what would your expectation be from turning over okay. Let's as a person personal income, I'm sitting there in that one thirty, one forty. If I wanted the company to make payments on my behalf, I think it's, what, 10 and a half or is it 11% now? I've got it at the company's meant to pay. Oh, fucking Jesus. I knew it was going up soon, but holy. Yeah. Well, I was I was trying to aim for more than yeah. I was trying to aim for more than that myself. I wanted to try and maximize it. And then the other thing I wanted to look at was the I've done a bit of reading in the first time super saver scheme, and when you pull the money back out, they tax again and it's classed as an income, and you get taxed on whatever bracket you happen to fall into. So, yeah, yeah, with that offset depending on what you paid putting it in. So but I didn't know do you know much about how that works? Yeah. No. So what I was looking at was you can take a maximum withdrawal of $50. In the bracket I'm in now, I'm gonna have to pay around that 40¢ in the dollar as a personal income, personal tax. So I think it's 44, I think, or whatever. It's something around there anyway. Now if I was to pull that $50 out, then they go, oh, you've gotta pay 44¢ on the dollar. You've already paid 7 and a half putting it in. So you've gotta pay 37 and a half pulling it out. Does that come out of that $50, or is that pulled out on top and then, say, 75 has come out or something because they want their 37¢ in the dollar? Or do and I get my 50? Or does do I pull the 50 out, then they take their 37¢ in the dollar, and I'm left with $15? Copy. Yep. Yep. Yep. Yeah. So, otherwise, they're gonna get that money. Yeah. Yep. Yep. Yep. So in that so if it goes in there and I'll set it up the way it's gotta be set up, that I've paid tax on it before it goes in there, before I put the money in there, the tax is being paid on it, and I wanna pull out 50, I get the full 50. And then but if I pull put it in before tax and I wanna pull the 50 out, will they take out extra money to take their tax or will they take the tax out of that 50? Yep. Okay. Yep. No. That's alright. No. That's alright. I just thought because you need government mission to touch your own money anyway. I thought that would have just taken it then and there. I didn't think they'd just wait till the next financial year to go, hey. Surprise. You now owe us another $35,000. Yes. Yeah. Yep. Cool. So you love the Taxman just as much as we all do then, by the sound of that? Yep. Cool. Thank you. Yeah. Well, I haven't made it. I haven't paid anything since I started the company. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Beautiful. Oh, cool. Oh, nice. Oh, I need two weeks. Yep. Yep. Yep. Yep. No. That's fine. Yeah. That's fine. I mean, they've they've been sitting there now for this long. I'm not not worried about another month. That is what it is. It's fine. Yep. Yeah. No. Cool. No dramas at all. Thank you. No, mate. No. You've covered it all. It's been good. Yep. Yep. Thank you. No dramas at all, mate. Thank you very much for your time tonight. Nine. Yep. Yep. Yep. Yep. 50 to Carrie and 25 to the two boys. Yep. Yeah, mate. No drums at all. Thank you. No drums. No dramas at all, mate. Thank you very much for your time. See you, mate. 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If you record your name and reason for calling, I'll see if this person is available. I'm speaking. Sensational, mate. Sure.\n\nI literally just got back to camp. I'm just walking at the moment. Gonna go back to my car, but feel free to start going through. I I won't have my computer in it to look at anything, but happy to keep going through it, mate. I did organize the time because this is when I'm normally back at camp, so that's fine.\n\nYeah, mate. Jump in. Date of birth, ninth the first eighty '6. Address, 7 Flinders Court, Lammermoor 4703, Queensland. That's perfectly fine.\n\nYep. Yeah. That's fine, mate. Yep. Yeah, mate.\n\nNo drums at all. No, mate. I filed on that on my behalf there. Not a drama. That's fine.\n\nYes and no. Like, I'm still waiting for advice to come back from the accounting for the business at the moment, but I'm looking at trying to do extra contributions this or or contributions in general this year. So I'm just waiting to hear back from him as to the best way to do it, how to do it. I already know my limit's $27,500 annually, but can you backdated for five years if I wanna hide some more extra money? Working through that, basically, I wanna do that because I'm not saving money like I save money, and then I lose it to bills or whatever at the time where it's it's where it's good.\n\nI've I've let the money go and pay the bills. That's perfect. Not not contributing to my super. It's kind of frustrating. And not saving for a house, even more frustrating.\n\nSo I'm looking into this first time super saver if it's still gonna be around for a while, sending the government that's in now. Yep. Yes. They have. And I've given that to my accountant, And I've just said to him, like, this is what I've got here.\n\nWhat's the best way to structure these payments? How do I do it? Just so clueless to this stuff. Nope. Wouldn't know what that is inside.\n\nYep. Of course, it's not. Beautiful. I was wondering how that worked. I thought you just put in that goes, oh, it's super easy.\n\nAnd he hasn't put over 27,500 in there. That's fine. Yes. Money's come from a company. Yep.\n\nYes, sir. Sensational. See, this is what I deal with you guys, because you guys know what you're doing and I don't. Yeah. When I when I can use it, 100%, and I'm looking forward to it.\n\nYes, ma'am. Yes. Yep. Yes. Yes.\n\nYeah. By the time the account works out, because it's still under a PSI, not a PSP. The accountant's got it set up, and he does his thing with numbers, and I've gotta pay this much money sort of thing, how it works. And it's a rent that yeah. So I'm trying to get into the PSP, but it's proving to be a little bit more difficult than I thought.\n\nI thought I'd be able to just get some work for my wife, and that would see a different stream of income coming in consistently, and that would cover it. But the accountant says if it's a partner earning an income, it's not it won't cost you as PSP. So, yeah, with this this year, I will be. I'll earn probably $50.50 from two different sources. So I'm hoping that'll get me under the PSP, which it tells me it's very handy with more tax rates or creative tax tax measures I can use.\n\nYeah. Yes. Retarded. So I was I'm now doing Monday the first. I'm doing four days a week, basically, now.\n\nI do four days on-site and then one day at home. Now? No. I'll pull pull away, Jeff, at the moment. Yes.\n\nYeah. That's that's why I just pull out a set amount every every fortnight. I pull out more, but by the time the accountant does his stuff and then works it all out and balances it and whatever he does, it the last two years, they come around at 130. So you're pretty safe. Everything goes in the one.\n\nYep. Oh, fuck. Fuck. I wish. If if I could do that, that'd be I wouldn't be worried about first time super saver.\n\nYep. Yeah. Well, I was aiming for mid last year, but running a company, you don't seem to make you don't make as much money as everyone thinks you do. Oh, oh, no. It's retarded.\n\nYeah. Yeah. They just they just see, oh, come here. No. You must have plenty of money.\n\nYeah. Of course I do. Yeah. Yeah. 100%.\n\nBut now I'm working on another stream another income stream at the moment. I've just gotta talk to my insurance broker how that's gonna work because it's a a different type of training. It's it's training, but it's it's more my wife's a sports trainer. So sports trainer sounds like it fits perfect in training. On paper.\n\nIt looks awesome. Getting to the nuts and bolts of it, it's actually like a like a a lower class physio. It's it's sort of what it would be. So she if you watch can you watch NRL? Yes.\n\nSo she'd be one of the orange shirts running out doing the the leg doing the leg stretches, massages, fitness plans. Yeah. Doing that sort of sports training different to sitting in a machine training. It's more of a medical thing. So I've just gotta talk to the insurance broker how I'm gonna get that covered.\n\nIt's it's out there on the field. It's on the sidelines. It will be in the gym running courses for the for the players and strengthening conditioning classes and stuff like that for them, but it's a it's a different type of training. It's not, oh, we're gonna blow some dirt up and get rid of it. It's we're actually dealing with people on a medical level now.\n\nSo I've just gotta I've just gotta work out how that's gonna work with the insurances and whether I've got a whether I'll have to set up another entity just for that or whether I can run it all under the same or whether if we run a whole separate policy. Yeah. It's another thing. It's only just come to, like, the last probably three days we had someone approach us to take on some of Rugby Union Queensland's work. Yeah.\n\nIt's cool, but it's I I just yeah. And then how the actual logistics are gonna work. Like, one week, we might be in Townsville. The next week, we might be in Brisbane. Like, I I just I just don't know how that's gonna work yet.\n\nSo I've gotta gotta get them to get a plan to me and get a bit more sorted. Oh, there's what? Yeah. Yeah. I need I sorta need a plan for them to give me a plan what they want and a roster as to where the expectations are to be, and then we can and then I want, like, like, a position description as to what they want, and then I can take that from my insurance company insurance broker and go, this is what I'm actually doing.\n\nI'm not just not sports training. This is what we're doing. So few little things while I'm going. Yeah. Yeah.\n\nIt's fun. And then we've got, obviously, two kids at home. Got a third one that's just broken up with the boyfriend who's moving back in. So, yeah, it's great. There's there's a bit going on at the moment.\n\nYeah. Yes. Yeah. That's right. And that's sort of what I'm trying to keep in mind at the moment.\n\nI I I know what I do and how to do it, and I I know I can do it well because I know people some people can't do what I do on the site. And people tell me all the time I had to do that, and I'm just like, well, I've just done my fucking job. I read the paperwork and I filled it out and it's done. Like, what's so hard? But yeah.\n\nIt's hard. It's hard dealing with meander falls, I guess. But so the the younger kids get the aspect of how to do the digital training. They don't get the aspect that they've got to read every single line to make sure they're they're doing what they need to do. And then I've got the older guys who are happy to sit there and try and take four hours and five hours to do something and read every single line and get it right, but they don't know how to drive the app to do what they needed to do.\n\nSo I'm I'm sort of in that weird middle one. I'm not a I'm not a Gen Z. I'm not a what what's the what's the new one? A a z or alpha or whatever the fuck they're calling themselves. I'm sort of that weird in the in in the middle.\n\nSo yeah. It's it's yeah. It's it's weird. So and and because there's probably three of us that are in that field, and I've got one who's got, like, higher up access who can help me out, and she deals with all that sort of stuff. And then me and this other trainer on another site.\n\nSo I'm on one site, and we sort of deal with everyone trying to help them all out. And I've got another trainer who I bounce ideas off. And between the three of us, it's we're just all going out and going, how the fuck is this company surviving even though they're a multinational company? Like, what the fuck? But it is what it is, mate.\n\nWhy don't we just turn up, get paid, try not to think too much about it, and just go home? There is there is none. That's the plan. So but, yeah, that's my biggest goal at the moment is purchasing a house. I've got an absolutely terrible credit rating because I've been bad at paying bills because I'm too busy at work.\n\nYep. So that'll be April next year. That'll fine. That'll click off. So, yeah, I'm just waiting for that.\n\nOther than that, I think everything should be fine. So once that clicks off, and then I'll probably have to wait another twelve months or something, I guess, to show the credit ratings coming back up. So that's what I'm right now, I'm focusing on trying to keep on top of the book work, which I'm struggling with. But I'm trying to keep on top of that at the moment. And then oh, that'd be awesome.\n\nYes. I'll be three years in October. Oh, fuck. Yeah. Yep.\n\nYeah. Yep. Yep. Now that's cool. Yep.\n\nNow with that, what do I need to do to get insurances through you guys? So I got Stonewall last time. I went to go do it because of the sleep apnea is what I got told. Don't even bother. You've got insurances already.\n\nKeep them there. Rather than doing this to and fro with ART all the time, what do I need to do to get insurances with you? Or can you guys look at the insurances and go, mate, you got a good deal. It's not worthwhile. Like, I'm just this this tune and from from ART to use guys is I've just told you about all the moving parts and this is gonna be another moving part.\n\nYes. You yes. You guys are managing it, but it's still something that's gonna be sitting in the back of my head going where's ART yet? And and then trying to remember to do that, which honestly, I always forget. It's like, yep.\n\nI've gotta do it, and then I forget, and then I see a view in an email or something like that. Like, a newsletter might come through, and I'll be like, oh, fuck. I've gotta do that. So I don't know if you guys have got access to look at what insurances I've got or if I need to do something for you to see what yeah. So have you got anything to do with insurances at all?\n\nOh, beautiful. Because, yeah, the the only reason ART is there is because when I come to you guys, they said to me, because I've got sleep apnea, don't even bother about trying to change it because you've got insurance there. We'll leave it there. We'll leave it topped up at 10,000 or whatever it was when they drew the money out. So I know when I got that insurance set up, I was under a corporate insurance.\n\nAnd then when I left that company, I just said the ART. I don't care what it costs. I like what's there. I'm gonna keep the same. And that's what I've done.\n\nI haven't changed anything. I've just that's been the same insurance policy since 2000 when I start mine in 2008. So nearly eighteen years. Pretty much. Yep.\n\nSo 2008, I started mining. ART actually bought people to site and set all that up. So and then I just went out I've had that for ages yeah. Yeah. Quite a while.\n\nAnd I just haven't changed it because when I come to use guys, I went, alright. Let's move the insurances over and have everything fall into one. And I got I got told don't do it because of this medical condition. So which I as far as I'm concerned, I no longer have. I've lost weight.\n\nThe snoring stops. I'm calling to my wife anyway. The snoring stopped. She said when I'm sleeping, it doesn't sound like I'm gasping for air or anything like that. It's just dead quiet.\n\nShe's actually gotta check to make sure I'm still breathing. So I'm assuming the sleep apnea is gone after losing a bit of weight. So I'm just wondering, do I need to go do another sleep study to get this confirmed or or what I need to do? Yep. Mhmm.\n\nYep. Yep. Yep. Yeah. And that's what I'm looking for is just, one, because I'm gonna start making contributions very shortly.\n\nAnd then we're not worrying about transferring money from here to there. I mean, I'm happy with Netwealth, but if there's not an option there for me to have the one and I've gotta keep the two, but you've got an option where I can have the one and I'm gonna get similar return, I'm pretty open to that. And you guys are managing all that for me anyway. So whatever network we're getting. Yep.\n\nYep. That's that's fine. So when I when you look at my risk profile, I'm in high risk at the moment anyway because at the end of the day, I've still got another thirty years of work. So I don't give a shit if I lose $20.30, $40 tomorrow because at the end of the day, I've still got thirty years to build it back up. If I would say fifty five, sixty, I might be a little bit more dubious, but right now, don't care.\n\nYep. Yep. Yep. Cool. I like it.\n\nYep. I'm not worried about whatever comes out for that type of insurance. I've got health insurance to cover me for that sort of stuff anyway. The only one I'm really wanna keep would be the TPD in the lot. That's the only thing I was really concerned about.\n\nI've I've got health insurance. I don't have income protection. I I don't have that other than what's in the super, but at the end of the day, I also don't have enough money there to to last me fucking ninety days in today's climate either. So whatever. I'm not concerned.\n\nIf if I've gotta go without for a couple of weeks, whatever. It is what it is. The biggest thing for me is that TPD and life, because I am in in a high risk industry as they call it in coal mining or in in mining in general. And the only reason why I kept that same policy with them was because at the time I was doing I was dealing with explosives, and ART were happy to have me covered for that, which I found really bizarre. So that's why I've just continued on with that as well because I am ex shot fire now.\n\nI don't do it anymore, but I am I used to be a shot fire so that's why I just continued that insurance on. Nope. Nope. Don't deal with any don't do any training near explosives. Don't do anything with them at all.\n\nDon't even have a ShopRise license anymore. My store handling transport has all expired. I I don't deal with anything anything at all. I don't even have a dangerous goods license anymore. Yeah.\n\nShot fire. So I used to be the I blow the dirt up, set all the bombs off. Yeah. Yeah. Well, it it's good, but then when they started having issues with Afghanistan and then I think it was Beirut that blew up when they the blew up at the harbor and flattened the town.\n\nI just went into this. This is not gonna be good, and it really wasn't. And I just handed everything in and went, I'm not not interested anymore. I I enjoy that work. I I really do.\n\nAnd I enjoy training people in that, but it's just an industry that's getting too heavily compliance and restrictive now. It's yeah. Not gonna get anything done. There's not it's not what it used to be. So I'm just not interested in it.\n\nSo I'm just staying away from it. Pretty much all of my work is training assessing. Like, everything I do is training assessing. Some of it's on-site, some of it's off-site. So I would say let let's work with the, say, Monday to Thursday on-site and then the Friday off-site.\n\nSo you'd be looking at five twenty, so eighty twenty. On-site, there's everything that's classed as a high risk task is is simulated because we don't expose trainees to real high risk scenarios. We simulate them on-site. So like any of our gas monitoring, working in confined space, working at heights, operating forklifts, all that sort of stuff is simulated in a controlled environment. So a lot of that's classroom based.\n\nWhen I'm doing training off-site and working for an RTO, that's done in the fifty fifty ratio. So fifty fifty so 50% is done in the classroom, and then we've got to go out and do practicals to ensure that the trainee understands how to use the the machines or the tooling safely. They understand the risks. They know how to implement controls. So we we go and do it.\n\nIt's still a very controlled scenario because I'm the one that's controlling everything. But the very rarely go out to off-site. Anytime I go off-site is when I'm doing if I have to do a tree lopping course, which I haven't done one of them in I don't know how long. I normally just do operate and maintain chainsaws. This is all I've done lately.\n\nSo yeah. Yep. That's right. Sometimes it's a coal mining truck. Sometimes it's a road train.\n\nSometimes it's a HR. Sometimes it's a semi trailer. Sometimes it's a medium rigid truck. It just depends on what training's required at that point in time. So it could be a dump truck.\n\nIt could be a road train a road going truck or it could be an off road haul truck. So my area of expertise is not off road haul trucks. My area of expertise is within the civil mining space. So smaller civil sized equipment that we would use to build roads, dams, levees, suburbia suburban streets, stuff like that on the mine sites. That's my expertise.\n\nThat's what I angle in. I do hold the skills to train in the big dump trucks and has been called on occasionally to do it, but whole track pass outs, I think I've done maybe 20 in eighteen months. And in that eighteen months, I've probably done 3,000 assessments. So so it's very minute to have trainers for that. But occasionally, they do call me in and I am required.\n\nBut it's like I said, I've done probably 3,000 assessments in the last two years, and probably 20 of them have been haul trucks. Yep. Yep. Potts retarded. It's not good at all.\n\nYep. Yep. Yeah. That's fine. Like, if you if you need more information as to the type of training I do, I mean, I can I can tell you, like, there's there's excavators, there's loaders, there's graders, there's dozers?\n\nThat's that's the main guts of my training are them five. But like I said, there is light vehicles, there is road trains. So it it is it's not straight, but it is all training assessing for people on their machines. It's not me operating them. I'm training and assessing people on their machines.\n\nSo my whole job is training and assessing. It just varies to what's required at that point in time and what's required for what job. Well, I don't yeah. So I don't drive the truck. So, yes, I drive the truck to show the trainee where they need to go and how they need to drive the truck on-site.\n\nThat is my expectation. Nice. Nice. I do one run, and I go, this is your expectation. I do one run, and then I get out, and I sit in the passenger seat, and they drive.\n\nSo I'm not in there. And then if they can nail what I need them to nail in an hour and a half, all good marks. If it takes them two days, well, then I've gotta sit in the seat beside them for two days. I mean, it it just it is what it is, but I'd I'd set the expectation with me doing the first run, and then that's it. I'm here to assess you because you're coming here with previous skills.\n\nWhy we go? Show me what you can do. So that's that's what I normally do. I I don't actually sit there and haul myself. Yep.\n\nYep. Yep. Yep. That's cool. Goodbye.\n\nYeah. No. That'd be cool. Thank you. Yep.\n\nYeah. Yeah, mate. That's that's perfectly fine. What what would you recommend what what would be your advice for contributions to to be going in? Like like, what would your expectation be from turning over okay.\n\nLet's as a person personal income, I'm sitting there in that one thirty, one forty. If I wanted the company to make payments on my behalf, I think it's, what, 10 and a half or is it 11% now? I've got it at the company's meant to pay. Oh, fucking Jesus. I knew it was going up soon, but holy.\n\nYeah. Well, I was I was trying to aim for more than yeah. I was trying to aim for more than that myself. I wanted to try and maximize it. And then the other thing I wanted to look at was the I've done a bit of reading in the first time super saver scheme, and when you pull the money back out, they tax again and it's classed as an income, and you get taxed on whatever bracket you happen to fall into.\n\nSo, yeah, yeah, with that offset depending on what you paid putting it in. So but I didn't know do you know much about how that works? Yeah. No. So what I was looking at was you can take a maximum withdrawal of $50.\n\nIn the bracket I'm in now, I'm gonna have to pay around that 40¢ in the dollar as a personal income, personal tax. So I think it's 44, I think, or whatever. It's something around there anyway. Now if I was to pull that $50 out, then they go, oh, you've gotta pay 44¢ on the dollar. You've already paid 7 and a half putting it in.\n\nSo you've gotta pay 37 and a half pulling it out. Does that come out of that $50, or is that pulled out on top and then, say, 75 has come out or something because they want their 37¢ in the dollar? Or do and I get my 50? Or does do I pull the 50 out, then they take their 37¢ in the dollar, and I'm left with $15? Copy.\n\nYep. Yep. Yep. Yeah. So, otherwise, they're gonna get that money.\n\nYeah. Yep. Yep. Yep. So in that so if it goes in there and I'll set it up the way it's gotta be set up, that I've paid tax on it before it goes in there, before I put the money in there, the tax is being paid on it, and I wanna pull out 50, I get the full 50.\n\nAnd then but if I pull put it in before tax and I wanna pull the 50 out, will they take out extra money to take their tax or will they take the tax out of that 50? Yep. Okay. Yep. No.\n\nThat's alright. No. That's alright. I just thought because you need government mission to touch your own money anyway. I thought that would have just taken it then and there.\n\nI didn't think they'd just wait till the next financial year to go, hey. Surprise. You now owe us another $35,000. Yes. Yeah.\n\nYep. Cool. So you love the Taxman just as much as we all do then, by the sound of that? Yep. Cool.\n\nThank you. Yeah. Well, I haven't made it. I haven't paid anything since I started the company. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Beautiful. Oh, cool. Oh, nice. Oh, I need two weeks.\n\nYep. Yep. Yep. Yep. No.\n\nThat's fine. Yeah. That's fine. I mean, they've they've been sitting there now for this long. I'm not not worried about another month.\n\nThat is what it is. It's fine. Yep. Yeah. No.\n\nCool. No dramas at all. Thank you. No, mate. No.\n\nYou've covered it all. It's been good. Yep. Yep. Thank you.\n\nNo dramas at all, mate. Thank you very much for your time tonight. Nine. Yep. Yep.\n\nYep. Yep. 50 to Carrie and 25 to the two boys. Yep. Yeah, mate.\n\nNo drums at all. Thank you. No drums. No dramas at all, mate. Thank you very much for your time.\n\nSee you, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.0379762277007103},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.9,"sentiment":"neutral","sentiment_score":0.027565105352550745},{"text":"I'm speaking.","start":18.055,"end":18.715,"sentiment":"neutral","sentiment_score":0.04667285270988941},{"text":"Sensational, mate.","start":24.615,"end":25.755001,"sentiment":"neutral","sentiment_score":0.11934489756822586},{"text":"Sure.","start":32.0,"end":32.32,"sentiment":"neutral","sentiment_score":0.17660965025424957}],"sentiment":"neutral","sentiment_score":0.044893775643272835,"num_words":22,"start":0.24,"end":32.32},{"sentences":[{"text":"I literally just got back to camp.","start":32.32,"end":34.16,"sentiment":"neutral","sentiment_score":0.12723165218319213},{"text":"I'm just walking at the moment.","start":34.16,"end":36.239998,"sentiment":"neutral","sentiment_score":0.10941539704799652},{"text":"Gonna go back to my car, but feel free to start going through.","start":36.239998,"end":39.68,"sentiment":"neutral","sentiment_score":0.13292484845106417},{"text":"I I won't have my computer in it to look at anything, but happy to keep going through it, mate.","start":39.68,"end":46.335003,"sentiment":"neutral","sentiment_score":0.2519238471984863},{"text":"I did organize the time because this is when I'm normally back at camp, so that's fine.","start":46.335003,"end":49.715,"sentiment":"neutral","sentiment_score":0.21112154248882742}],"sentiment":"neutral","sentiment_score":0.1889314308526024,"num_words":63,"start":32.32,"end":49.715},{"sentences":[{"text":"Yeah, mate.","start":59.64,"end":60.2,"sentiment":"neutral","sentiment_score":0.059649961069226265},{"text":"Jump in.","start":60.2,"end":61.02,"sentiment":"neutral","sentiment_score":0.06080285459756851},{"text":"Date of birth, ninth the first eighty '6.","start":69.72,"end":72.7,"sentiment":"neutral","sentiment_score":0.022240692167542875},{"text":"Address, 7 Flinders Court, Lammermoor 4703, Queensland.","start":73.33501,"end":80.955,"sentiment":"neutral","sentiment_score":0.047018827338303835},{"text":"That's perfectly fine.","start":87.68,"end":89.06,"sentiment":"neutral","sentiment_score":0.3233000934123993}],"sentiment":"neutral","sentiment_score":0.07808469273996624,"num_words":22,"start":59.64,"end":89.06},{"sentences":[{"text":"Yep.","start":100.835,"end":101.335,"sentiment":"neutral","sentiment_score":0.1042092889547348},{"text":"Yeah.","start":106.995,"end":107.495,"sentiment":"neutral","sentiment_score":0.06778889894485474},{"text":"That's fine, mate.","start":113.075,"end":113.955,"sentiment":"neutral","sentiment_score":0.24412507812182108},{"text":"Yep.","start":113.955,"end":114.455,"sentiment":"neutral","sentiment_score":0.21548953652381897},{"text":"Yeah, mate.","start":125.37,"end":125.85,"sentiment":"neutral","sentiment_score":0.11185908317565918}],"sentiment":"neutral","sentiment_score":0.16794764064252377,"num_words":8,"start":100.835,"end":125.85},{"sentences":[{"text":"No drums at all.","start":125.85,"end":126.99,"sentiment":"neutral","sentiment_score":-0.06233714893460274},{"text":"No, mate.","start":148.57,"end":149.31001,"sentiment":"neutral","sentiment_score":-0.07771599292755127},{"text":"I filed on that on my behalf there.","start":150.01001,"end":152.51001,"sentiment":"neutral","sentiment_score":-0.041674471693113446},{"text":"Not a drama.","start":167.935,"end":168.67499,"sentiment":"neutral","sentiment_score":-0.1464152236779531},{"text":"That's fine.","start":170.25499,"end":171.075,"sentiment":"neutral","sentiment_score":0.22533295303583145}],"sentiment":"neutral","sentiment_score":-0.03825032211055881,"num_words":19,"start":125.85,"end":171.075},{"sentences":[{"text":"Yes and no.","start":180.2,"end":181.31999,"sentiment":"neutral","sentiment_score":-0.02529119700193405},{"text":"Like, I'm still waiting for advice to come back from the accounting for the business at the moment, but I'm looking at trying to do extra contributions this or or contributions in general this year.","start":181.31999,"end":199.515,"sentiment":"neutral","sentiment_score":-0.022421515067773207},{"text":"So I'm just waiting to hear back from him as to the best way to do it, how to do it.","start":201.9,"end":208.06,"sentiment":"neutral","sentiment_score":0.05696173517831734},{"text":"I already know my limit's $27,500 annually, but can you backdated for five years if I wanna hide some more extra money?","start":208.06,"end":215.36,"sentiment":"neutral","sentiment_score":-0.04272147124125199},{"text":"Working through that, basically, I wanna do that because I'm not saving money like I save money, and then I lose it to bills or whatever at the time where it's it's where it's good.","start":218.225,"end":231.26,"sentiment":"neutral","sentiment_score":-0.008163902057068689}],"sentiment":"neutral","sentiment_score":-0.0076727510253288625,"num_words":116,"start":180.2,"end":231.26},{"sentences":[{"text":"I've I've let the money go and pay the bills.","start":231.87999,"end":233.48,"sentiment":"neutral","sentiment_score":0.17081889435648917},{"text":"That's perfect.","start":233.48,"end":234.54,"sentiment":"positive","sentiment_score":0.4561833143234253},{"text":"Not not contributing to my super.","start":235.95999,"end":238.45999,"sentiment":"negative","sentiment_score":-0.45675211648146313},{"text":"It's kind of frustrating.","start":238.76,"end":239.9,"sentiment":"negative","sentiment_score":-0.5285438150167465},{"text":"And not saving for a house, even more frustrating.","start":241.71999,"end":244.11499,"sentiment":"neutral","sentiment_score":-0.3149911132123735}],"sentiment":"neutral","sentiment_score":-0.16351781953727046,"num_words":31,"start":231.87999,"end":244.11499},{"sentences":[{"text":"So I'm looking into this first time super saver if it's still gonna be around for a while, sending the government that's in now.","start":244.25499,"end":253.075,"sentiment":"neutral","sentiment_score":-0.07127513798574607},{"text":"Yep.","start":265.22998,"end":265.72998,"sentiment":"neutral","sentiment_score":0.1353306621313095},{"text":"Yes.","start":266.27,"end":266.77,"sentiment":"neutral","sentiment_score":0.2093060612678528},{"text":"They have.","start":266.99,"end":267.38998,"sentiment":"neutral","sentiment_score":0.26846449822187424},{"text":"And I've given that to my accountant, And I've just said to him, like, this is what I've got here.","start":267.38998,"end":273.20502,"sentiment":"neutral","sentiment_score":0.1593042876571417}],"sentiment":"neutral","sentiment_score":0.04910517002766331,"num_words":48,"start":244.25499,"end":273.20502},{"sentences":[{"text":"What's the best way to structure these payments?","start":273.505,"end":275.42502,"sentiment":"neutral","sentiment_score":0.07254671398550272},{"text":"How do I do it?","start":275.42502,"end":276.48502,"sentiment":"neutral","sentiment_score":0.04316577166318893},{"text":"Just so clueless to this stuff.","start":276.625,"end":279.845,"sentiment":"negative","sentiment_score":-0.42712362110614777},{"text":"Nope.","start":290.16,"end":290.66,"sentiment":"neutral","sentiment_score":-0.20731765031814575},{"text":"Wouldn't know what that is inside.","start":290.96,"end":292.5,"sentiment":"neutral","sentiment_score":-0.040391634218394756}],"sentiment":"neutral","sentiment_score":-0.08523871584867056,"num_words":26,"start":273.505,"end":292.5},{"sentences":[{"text":"Yep.","start":302.21503,"end":302.71503,"sentiment":"neutral","sentiment_score":0.05556124448776245},{"text":"Of course, it's not.","start":311.095,"end":312.15,"sentiment":"neutral","sentiment_score":-0.021712005138397217},{"text":"Beautiful.","start":333.695,"end":334.195,"sentiment":"positive","sentiment_score":0.5996952056884766},{"text":"I was wondering how that worked.","start":334.89502,"end":336.415,"sentiment":"neutral","sentiment_score":0.1694067269563675},{"text":"I thought you just put in that goes, oh, it's super easy.","start":336.415,"end":338.415,"sentiment":"positive","sentiment_score":0.3701198200384776}],"sentiment":"neutral","sentiment_score":0.2510952763259411,"num_words":24,"start":302.21503,"end":338.415},{"sentences":[{"text":"And he hasn't put over 27,500 in there.","start":338.415,"end":341.855,"sentiment":"neutral","sentiment_score":0.09567713085561991},{"text":"That's fine.","start":341.855,"end":342.595,"sentiment":"neutral","sentiment_score":0.21197711676359177},{"text":"Yes.","start":343.88998,"end":344.38998,"sentiment":"neutral","sentiment_score":0.12656883895397186},{"text":"Money's come from a company.","start":344.53,"end":346.07,"sentiment":"neutral","sentiment_score":0.052020080387592316},{"text":"Yep.","start":359.855,"end":360.355,"sentiment":"neutral","sentiment_score":0.0856458842754364}],"sentiment":"neutral","sentiment_score":0.09774625914938309,"num_words":17,"start":338.415,"end":360.355},{"sentences":[{"text":"Yes, sir.","start":375.86,"end":376.76,"sentiment":"neutral","sentiment_score":0.2997252196073532},{"text":"Sensational.","start":377.06,"end":377.56,"sentiment":"neutral","sentiment_score":0.2518070638179779},{"text":"See, this is what I deal with you guys, because you guys know what you're doing and I don't.","start":377.78,"end":381.16,"sentiment":"neutral","sentiment_score":0.06161221979480041},{"text":"Yeah.","start":385.315,"end":385.635,"sentiment":"positive","sentiment_score":0.4543219208717346},{"text":"When I when I can use it, 100%, and I'm looking forward to it.","start":385.635,"end":388.93503,"sentiment":"positive","sentiment_score":0.6599367175783429}],"sentiment":"neutral","sentiment_score":0.3166304228676332,"num_words":37,"start":375.86,"end":388.93503},{"sentences":[{"text":"Yes, ma'am.","start":401.31,"end":402.13,"sentiment":"neutral","sentiment_score":0.09651091694831848},{"text":"Yes.","start":406.99002,"end":407.49002,"sentiment":"neutral","sentiment_score":0.05826738476753235},{"text":"Yep.","start":407.63,"end":408.13,"sentiment":"neutral","sentiment_score":0.054341331124305725},{"text":"Yes.","start":414.295,"end":414.795,"sentiment":"neutral","sentiment_score":0.12013496458530426},{"text":"Yes.","start":417.095,"end":417.595,"sentiment":"neutral","sentiment_score":0.1297042816877365}],"sentiment":"neutral","sentiment_score":0.09257829934358597,"num_words":6,"start":401.31,"end":417.595},{"sentences":[{"text":"Yeah.","start":425.22,"end":425.46,"sentiment":"neutral","sentiment_score":0.035957545042037964},{"text":"By the time the account works out, because it's still under a PSI, not a PSP.","start":425.46,"end":430.04,"sentiment":"neutral","sentiment_score":-0.003233359078876674},{"text":"The accountant's got it set up, and he does his thing with numbers, and I've gotta pay this much money sort of thing, how it works.","start":432.5,"end":439.64,"sentiment":"neutral","sentiment_score":-0.03918687325830643},{"text":"And it's a rent that yeah.","start":440.715,"end":443.775,"sentiment":"neutral","sentiment_score":-0.027941028587520123},{"text":"So I'm trying to get into the PSP, but it's proving to be a little bit more difficult than I thought.","start":444.715,"end":451.355,"sentiment":"neutral","sentiment_score":-0.10812750157146227}],"sentiment":"neutral","sentiment_score":-0.049613694420882634,"num_words":70,"start":425.22,"end":451.355},{"sentences":[{"text":"I thought I'd be able to just get some work for my wife, and that would see a different stream of income coming in consistently, and that would cover it.","start":451.355,"end":459.68,"sentiment":"neutral","sentiment_score":-0.04803206560512384},{"text":"But the accountant says if it's a partner earning an income, it's not it won't cost you as 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use.","start":479.13498,"end":489.47998,"sentiment":"positive","sentiment_score":0.39174412190914154}],"sentiment":"neutral","sentiment_score":0.11891652810625097,"num_words":94,"start":451.355,"end":489.47998},{"sentences":[{"text":"Yeah.","start":498.16498,"end":498.66498,"sentiment":"neutral","sentiment_score":0.1870165169239044},{"text":"Yes.","start":498.72498,"end":499.04498,"sentiment":"neutral","sentiment_score":0.16025696694850922},{"text":"Retarded.","start":499.04498,"end":499.54498,"sentiment":"neutral","sentiment_score":0.09458594024181366},{"text":"So I was I'm now doing Monday the first.","start":501.685,"end":510.72498,"sentiment":"neutral","sentiment_score":0.07395062802566423},{"text":"I'm doing four days a week, basically, now.","start":510.72498,"end":512.61,"sentiment":"neutral","sentiment_score":0.07229420077055693}],"sentiment":"neutral","sentiment_score":0.08428843412548304,"num_words":20,"start":498.16498,"end":512.61},{"sentences":[{"text":"I do four days on-site and then one day at home.","start":512.93,"end":518.39,"sentiment":"neutral","sentiment_score":0.05846041779626499},{"text":"Now?","start":519.32996,"end":519.82996,"sentiment":"neutral","sentiment_score":0.03793745115399361},{"text":"No.","start":532.825,"end":533.325,"sentiment":"neutral","sentiment_score":-0.28489434719085693},{"text":"I'll pull pull away, Jeff, at the moment.","start":533.46497,"end":536.365,"sentiment":"neutral","sentiment_score":-0.22375144436955452},{"text":"Yes.","start":540.73,"end":540.97003,"sentiment":"neutral","sentiment_score":-0.018722454085946083}],"sentiment":"neutral","sentiment_score":-0.06421028678728775,"num_words":22,"start":512.93,"end":540.97003},{"sentences":[{"text":"Yeah.","start":540.97003,"end":541.21,"sentiment":"neutral","sentiment_score":0.0023692604154348373},{"text":"That's that's why I just pull out a set amount every every fortnight.","start":541.21,"end":544.35,"sentiment":"neutral","sentiment_score":0.03828894726645488},{"text":"I pull out more, but by the time the accountant does his stuff and then works it all out and balances it and whatever he does, it the last two years, they come around at 130.","start":551.58496,"end":560.96497,"sentiment":"neutral","sentiment_score":0.05452098500811391},{"text":"So you're pretty safe.","start":562.385,"end":563.64,"sentiment":"neutral","sentiment_score":0.1218184269964695},{"text":"Everything goes in the one.","start":571.4,"end":572.78,"sentiment":"neutral","sentiment_score":-0.03138905502855778}],"sentiment":"neutral","sentiment_score":0.047342533356178614,"num_words":59,"start":540.97003,"end":572.78},{"sentences":[{"text":"Yep.","start":575.8,"end":576.3,"sentiment":"neutral","sentiment_score":-0.15164151787757874},{"text":"Oh, fuck.","start":579.715,"end":580.85504,"sentiment":"negative","sentiment_score":-0.7057598531246185},{"text":"Fuck.","start":581.23505,"end":581.55505,"sentiment":"negative","sentiment_score":-0.6849446296691895},{"text":"I wish.","start":581.55505,"end":582.215,"sentiment":"negative","sentiment_score":-0.35345062613487244},{"text":"If if I could do that, that'd be I wouldn't be worried about first time super saver.","start":584.43506,"end":588.455,"sentiment":"neutral","sentiment_score":0.1782344080069486}],"sentiment":"neutral","sentiment_score":0.0032599056544511226,"num_words":23,"start":575.8,"end":588.455},{"sentences":[{"text":"Yep.","start":598.24005,"end":598.48004,"sentiment":"neutral","sentiment_score":0.1699163168668747},{"text":"Yeah.","start":598.48004,"end":598.80005,"sentiment":"neutral","sentiment_score":0.12257001549005508},{"text":"Well, I was aiming for mid last year, but running a company, you don't seem to make you don't make as much money as everyone thinks you do.","start":598.80005,"end":607.395,"sentiment":"neutral","sentiment_score":-0.1591166639700532},{"text":"Oh, oh, no.","start":611.295,"end":611.855,"sentiment":"neutral","sentiment_score":-0.2421157956123352},{"text":"It's retarded.","start":611.855,"end":612.595,"sentiment":"negative","sentiment_score":-0.41047510504722595}],"sentiment":"neutral","sentiment_score":-0.16314508159245764,"num_words":35,"start":598.24005,"end":612.595},{"sentences":[{"text":"Yeah.","start":623.93,"end":624.43,"sentiment":"neutral","sentiment_score":-0.012125585228204727},{"text":"Yeah.","start":625.21,"end":625.37,"sentiment":"neutral","sentiment_score":-0.01132296770811081},{"text":"They just they just see, oh, come here.","start":625.37,"end":627.53,"sentiment":"neutral","sentiment_score":-0.03774980898015201},{"text":"No.","start":627.53,"end":627.77,"sentiment":"neutral","sentiment_score":-0.1867952048778534},{"text":"You must have plenty of money.","start":627.77,"end":629.15,"sentiment":"neutral","sentiment_score":-0.1808679774403572}],"sentiment":"neutral","sentiment_score":-0.09396765260573696,"num_words":17,"start":623.93,"end":629.15},{"sentences":[{"text":"Yeah.","start":630.89,"end":631.21,"sentiment":"neutral","sentiment_score":0.03222654387354851},{"text":"Of course I do.","start":631.21,"end":632.11,"sentiment":"neutral","sentiment_score":0.11359968408942223},{"text":"Yeah.","start":632.785,"end":633.105,"sentiment":"neutral","sentiment_score":0.08749809861183167},{"text":"Yeah.","start":633.105,"end":633.505,"sentiment":"neutral","sentiment_score":0.11024816334247588},{"text":"100%.","start":633.505,"end":634.065,"sentiment":"neutral","sentiment_score":0.12226416915655136}],"sentiment":"neutral","sentiment_score":0.10082946391776204,"num_words":8,"start":630.89,"end":634.065},{"sentences":[{"text":"But now I'm working on another stream another income stream at the moment.","start":634.065,"end":637.765,"sentiment":"neutral","sentiment_score":0.08865173992056113},{"text":"I've just gotta talk to my insurance broker how that's gonna work because it's a a different type of training.","start":637.825,"end":645.745,"sentiment":"neutral","sentiment_score":0.057052968069911},{"text":"It's it's training, but it's it's more my wife's a sports trainer.","start":645.745,"end":656.32,"sentiment":"neutral","sentiment_score":0.07912811854233344},{"text":"So sports trainer sounds like it fits perfect in training.","start":656.62,"end":662.0,"sentiment":"positive","sentiment_score":0.4405478149652481},{"text":"On paper.","start":662.645,"end":662.925,"sentiment":"neutral","sentiment_score":0.16596058011054993}],"sentiment":"neutral","sentiment_score":0.14000822303065083,"num_words":57,"start":634.065,"end":662.925},{"sentences":[{"text":"It looks awesome.","start":662.925,"end":664.485,"sentiment":"positive","sentiment_score":0.3535679131746292},{"text":"Getting to the nuts and bolts of it, it's actually like a like a a lower class physio.","start":664.485,"end":673.785,"sentiment":"neutral","sentiment_score":0.2169311907556322},{"text":"It's it's sort of what it would be.","start":675.49,"end":676.61,"sentiment":"neutral","sentiment_score":0.17350274696946144},{"text":"So she if you watch can you watch NRL?","start":676.61,"end":679.26996,"sentiment":"neutral","sentiment_score":0.028154758943451777},{"text":"Yes.","start":680.69,"end":681.08997,"sentiment":"neutral","sentiment_score":0.08515496551990509}],"sentiment":"neutral","sentiment_score":0.1715906396126136,"num_words":39,"start":662.925,"end":681.08997},{"sentences":[{"text":"So she'd be one of the orange shirts running out doing the the leg doing the leg stretches, massages, fitness 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sidelines.","start":709.17,"end":710.63,"sentiment":"neutral","sentiment_score":-0.03698151791468263},{"text":"It will be in the gym running courses for the for the players and strengthening conditioning classes and stuff like that for them, but it's a it's a different type of training.","start":711.81,"end":723.685,"sentiment":"neutral","sentiment_score":-0.045986620360054076},{"text":"It's not, oh, we're gonna blow some dirt up and get rid of it.","start":723.685,"end":726.885,"sentiment":"negative","sentiment_score":-0.4060110832963671},{"text":"It's we're actually dealing with people on a medical level now.","start":726.885,"end":730.265,"sentiment":"neutral","sentiment_score":-0.21114640886133368}],"sentiment":"neutral","sentiment_score":-0.14576820243040428,"num_words":68,"start":701.01,"end":730.265},{"sentences":[{"text":"So I've just gotta I've just gotta work out how that's gonna work with the insurances and whether I've got a whether I'll have to set up another entity just for that or whether I can run it all under the same or whether if we run a whole separate policy.","start":732.77997,"end":747.68,"sentiment":"neutral","sentiment_score":-0.01922563961980974},{"text":"Yeah.","start":749.155,"end":749.395,"sentiment":"neutral","sentiment_score":-0.00025679729878902435},{"text":"It's another thing.","start":749.395,"end":750.275,"sentiment":"neutral","sentiment_score":0.0019455024351676304},{"text":"It's only just come to, like, the last probably three days we had someone approach us to take on some of Rugby Union Queensland's work.","start":750.275,"end":761.015,"sentiment":"neutral","sentiment_score":-0.014524100050330162},{"text":"Yeah.","start":763.11,"end":763.35,"sentiment":"neutral","sentiment_score":0.06513896584510803}],"sentiment":"neutral","sentiment_score":-0.015714709210083073,"num_words":81,"start":732.77997,"end":763.35},{"sentences":[{"text":"It's cool, but it's I I just 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not sports training.","start":811.59503,"end":813.61505,"sentiment":"neutral","sentiment_score":0.016328358401854832},{"text":"This is what we're doing.","start":813.67505,"end":814.97504,"sentiment":"neutral","sentiment_score":0.10263065099716187},{"text":"So few little things while I'm going.","start":815.515,"end":818.575,"sentiment":"neutral","sentiment_score":-0.006101070770195552},{"text":"Yeah.","start":823.11005,"end":823.51,"sentiment":"neutral","sentiment_score":0.21536684036254883},{"text":"Yeah.","start":823.51,"end":823.67004,"sentiment":"positive","sentiment_score":0.3684452474117279}],"sentiment":"neutral","sentiment_score":0.05761139988899231,"num_words":20,"start":811.59503,"end":823.67004},{"sentences":[{"text":"It's fun.","start":823.67004,"end":824.15,"sentiment":"positive","sentiment_score":0.6159898936748505},{"text":"And then we've got, obviously, two kids at home.","start":824.15,"end":826.97003,"sentiment":"neutral","sentiment_score":0.2760052912765079},{"text":"Got a third one that's just broken up with the boyfriend who's moving back in.","start":827.27,"end":830.63,"sentiment":"neutral","sentiment_score":0.18525996605555217},{"text":"So, yeah, it's great.","start":830.63,"end":831.61005,"sentiment":"positive","sentiment_score":0.6194217279553413},{"text":"There's there's a bit going on at the 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hard.","start":896.495,"end":897.055,"sentiment":"negative","sentiment_score":-0.45022520422935486},{"text":"It's hard dealing with meander falls, I guess.","start":897.055,"end":901.455,"sentiment":"negative","sentiment_score":-0.4675337038934231},{"text":"But so the the younger kids get the aspect of how to do the digital training.","start":901.455,"end":913.66003,"sentiment":"neutral","sentiment_score":0.10738699766807258},{"text":"They don't get the aspect that they've got to read every single line to make sure they're they're doing what they need to do.","start":915.72003,"end":922.155,"sentiment":"neutral","sentiment_score":-0.11075701362763841},{"text":"And then I've got the older guys who are happy to sit there and try and take four hours and five hours to do something and read every single line and get it right, but they don't know how to drive the app to do what they needed to do.","start":922.23505,"end":935.135,"sentiment":"neutral","sentiment_score":-0.07187125253491104}],"sentiment":"neutral","sentiment_score":-0.09174259030725807,"num_words":100,"start":896.495,"end":935.135},{"sentences":[{"text":"So I'm I'm sort of in that weird middle one.","start":935.36005,"end":938.08,"sentiment":"neutral","sentiment_score":-0.22575862258672713},{"text":"I'm not a I'm not a Gen Z.","start":938.08,"end":940.64,"sentiment":"neutral","sentiment_score":-0.250528858974576},{"text":"I'm not a what what's the what's the new one?","start":940.64,"end":943.46,"sentiment":"neutral","sentiment_score":-0.29279878437519075},{"text":"A a z or alpha or whatever the fuck they're calling themselves.","start":943.84,"end":947.12006,"sentiment":"negative","sentiment_score":-0.35237883528073627},{"text":"I'm sort of that weird in the in in the middle.","start":947.12006,"end":950.255,"sentiment":"neutral","sentiment_score":-0.11017433113672516}],"sentiment":"neutral","sentiment_score":-0.2476523256331098,"num_words":51,"start":935.36005,"end":950.255},{"sentences":[{"text":"So yeah.","start":954.715,"end":955.755,"sentiment":"neutral","sentiment_score":0.004098356701433659},{"text":"It's it's yeah.","start":955.755,"end":958.395,"sentiment":"neutral","sentiment_score":-0.009116736551125845},{"text":"It's it's weird.","start":958.395,"end":959.67505,"sentiment":"neutral","sentiment_score":-0.16119416058063507},{"text":"So and and because there's probably three of us that are in that field, and I've got one who's got, like, higher up access who can help me out, and she deals with all that sort of stuff.","start":959.67505,"end":971.09,"sentiment":"neutral","sentiment_score":-0.06270178819173261},{"text":"And then me and this other trainer on another site.","start":971.09,"end":975.17,"sentiment":"neutral","sentiment_score":-0.08161454200744629}],"sentiment":"neutral","sentiment_score":-0.06609909552415567,"num_words":56,"start":954.715,"end":975.17},{"sentences":[{"text":"So I'm on one site, and we sort of deal with everyone trying to help them all out.","start":975.17,"end":979.535,"sentiment":"neutral","sentiment_score":-0.08761099808745915},{"text":"And I've got another trainer who I bounce ideas off.","start":979.535,"end":982.015,"sentiment":"neutral","sentiment_score":-0.1451679989695549},{"text":"And between the three of us, it's we're just all going out and going, how the fuck is this company surviving even though they're a multinational company?","start":982.015,"end":989.855,"sentiment":"negative","sentiment_score":-0.3759498811430401},{"text":"Like, what the fuck?","start":989.855,"end":991.075,"sentiment":"negative","sentiment_score":-0.4221252053976059},{"text":"But it is what it is, mate.","start":992.17004,"end":993.77,"sentiment":"neutral","sentiment_score":-0.09310644625553063}],"sentiment":"neutral","sentiment_score":-0.23514501047743994,"num_words":66,"start":975.17,"end":993.77},{"sentences":[{"text":"Why don't we just turn up, get paid, try not to think too much about it, and just go home?","start":993.77,"end":1000.03,"sentiment":"neutral","sentiment_score":-0.0932363610714674},{"text":"There is there is none.","start":1005.945,"end":1007.645,"sentiment":"neutral","sentiment_score":0.23248040899634362},{"text":"That's the plan.","start":1016.505,"end":1017.385,"sentiment":"positive","sentiment_score":0.5185281038284302},{"text":"So but, yeah, that's my biggest goal at the moment is purchasing a house.","start":1017.385,"end":1022.21,"sentiment":"positive","sentiment_score":0.3686693672622953},{"text":"I've got an absolutely terrible credit rating because I've been bad at paying bills because I'm too busy at work.","start":1024.35,"end":1031.41,"sentiment":"negative","sentiment_score":-0.5625231951475144}],"sentiment":"neutral","sentiment_score":-0.0844489294554918,"num_words":62,"start":993.77,"end":1031.41},{"sentences":[{"text":"Yep.","start":1038.415,"end":1038.815,"sentiment":"neutral","sentiment_score":0.06687117367982864},{"text":"So that'll be April next year.","start":1038.815,"end":1040.175,"sentiment":"neutral","sentiment_score":0.08159004648526509},{"text":"That'll fine.","start":1040.175,"end":1040.735,"sentiment":"neutral","sentiment_score":0.18408913910388947},{"text":"That'll click off.","start":1040.735,"end":1041.715,"sentiment":"neutral","sentiment_score":0.06417854006091754},{"text":"So, yeah, I'm just waiting for that.","start":1042.815,"end":1045.155,"sentiment":"neutral","sentiment_score":0.14790028120790208}],"sentiment":"neutral","sentiment_score":0.11328564839143503,"num_words":19,"start":1038.415,"end":1045.155},{"sentences":[{"text":"Other than that, I think everything should be fine.","start":1046.255,"end":1048.335,"sentiment":"neutral","sentiment_score":0.26964760157797074},{"text":"So once that clicks off, and then I'll probably have to wait another twelve months or something, I guess, to show the credit ratings coming back up.","start":1048.335,"end":1055.91,"sentiment":"neutral","sentiment_score":0.034618813268564363},{"text":"So that's what I'm right now, I'm focusing on trying to keep on top of the book work, which I'm struggling with.","start":1055.91,"end":1064.09,"sentiment":"neutral","sentiment_score":0.05312510850754651},{"text":"But I'm trying to keep on top of that at the moment.","start":1064.345,"end":1066.765,"sentiment":"neutral","sentiment_score":0.15727398792902628},{"text":"And then oh, that'd be awesome.","start":1067.705,"end":1079.645,"sentiment":"positive","sentiment_score":0.33471634487311047}],"sentiment":"neutral","sentiment_score":0.11086677215797336,"num_words":76,"start":1046.255,"end":1079.645},{"sentences":[{"text":"Yes.","start":1080.1,"end":1080.6,"sentiment":"neutral","sentiment_score":0.16693584620952606},{"text":"I'll be three years in October.","start":1095.465,"end":1097.005,"sentiment":"neutral","sentiment_score":0.05303030461072922},{"text":"Oh, fuck.","start":1103.705,"end":1104.605,"sentiment":"negative","sentiment_score":-0.3530530035495758},{"text":"Yeah.","start":1106.4249,"end":1106.9249,"sentiment":"neutral","sentiment_score":-0.005857840180397034},{"text":"Yep.","start":1112.64,"end":1113.14,"sentiment":"neutral","sentiment_score":0.2680759131908417}],"sentiment":"neutral","sentiment_score":0.0037481581622903996,"num_words":11,"start":1080.1,"end":1113.14},{"sentences":[{"text":"Yeah.","start":1126.6051,"end":1127.1051,"sentiment":"neutral","sentiment_score":0.13088811933994293},{"text":"Yep.","start":1129.165,"end":1129.665,"sentiment":"neutral","sentiment_score":0.1913803517818451},{"text":"Yep.","start":1130.285,"end":1130.765,"sentiment":"neutral","sentiment_score":0.2719963788986206},{"text":"Now that's cool.","start":1130.765,"end":1131.8251,"sentiment":"positive","sentiment_score":0.6526778340339661},{"text":"Yep.","start":1142.63,"end":1143.13,"sentiment":"neutral","sentiment_score":0.05489809066057205}],"sentiment":"positive","sentiment_score":0.3724566346832684,"num_words":7,"start":1126.6051,"end":1143.13},{"sentences":[{"text":"Now with that, what do I need to do to get insurances through you guys?","start":1143.27,"end":1151.885,"sentiment":"neutral","sentiment_score":-0.012341994978487491},{"text":"So I got Stonewall last time.","start":1151.885,"end":1154.525,"sentiment":"neutral","sentiment_score":-0.044407183304429054},{"text":"I went to go do it because of the sleep apnea is what I got told.","start":1154.525,"end":1160.625,"sentiment":"neutral","sentiment_score":-0.10818698117509484},{"text":"Don't even bother.","start":1161.0701,"end":1161.9501,"sentiment":"neutral","sentiment_score":-0.18849624693393707},{"text":"You've got insurances already.","start":1161.9501,"end":1163.39,"sentiment":"neutral","sentiment_score":-0.1326122898608446}],"sentiment":"neutral","sentiment_score":-0.07451142326251349,"num_words":44,"start":1143.27,"end":1163.39},{"sentences":[{"text":"Keep them there.","start":1163.39,"end":1164.37,"sentiment":"neutral","sentiment_score":-0.10515222450097401},{"text":"Rather than doing this to and fro with ART all the time, what do I need to do to get insurances with you?","start":1166.03,"end":1174.705,"sentiment":"neutral","sentiment_score":-0.0999751236775647},{"text":"Or can you guys look at the insurances and go, mate, you got a good deal.","start":1174.705,"end":1179.745,"sentiment":"neutral","sentiment_score":-0.18907998548820615},{"text":"It's not worthwhile.","start":1179.745,"end":1180.565,"sentiment":"negative","sentiment_score":-0.607938269774119},{"text":"Like, I'm just this this tune and from from ART to use guys is I've just told you about all the moving parts and this is gonna be another moving part.","start":1181.825,"end":1192.55,"sentiment":"neutral","sentiment_score":-0.13399100952571438}],"sentiment":"neutral","sentiment_score":-0.15286447882260146,"num_words":76,"start":1163.39,"end":1192.55},{"sentences":[{"text":"Yes.","start":1192.55,"end":1193.05,"sentiment":"neutral","sentiment_score":-0.2230159193277359},{"text":"You yes.","start":1193.15,"end":1194.15,"sentiment":"neutral","sentiment_score":-0.17372168600559235},{"text":"You guys are managing it, but it's still something that's gonna be sitting in the back of my head going where's ART yet?","start":1194.15,"end":1199.925,"sentiment":"neutral","sentiment_score":-0.20904293008472608},{"text":"And and then trying to remember to do that, which honestly, I always forget.","start":1200.245,"end":1205.785,"sentiment":"neutral","sentiment_score":-0.18781790882349014},{"text":"It's like, yep.","start":1205.8451,"end":1206.3251,"sentiment":"neutral","sentiment_score":-0.1716785728931427}],"sentiment":"neutral","sentiment_score":-0.19820774710455605,"num_words":43,"start":1192.55,"end":1206.3251},{"sentences":[{"text":"I've gotta do it, and then I forget, and then I see a view in an email or something like that.","start":1206.3251,"end":1211.2051,"sentiment":"neutral","sentiment_score":-0.1579591915720985},{"text":"Like, a newsletter might come through, and I'll be like, oh, fuck.","start":1211.2051,"end":1213.525,"sentiment":"neutral","sentiment_score":-0.2341268559296926},{"text":"I've gotta do that.","start":1213.525,"end":1214.5851,"sentiment":"negative","sentiment_score":-0.36308497935533524},{"text":"So I don't know if you guys have got access to look at what insurances I've got or if I need to do something for you to see what yeah.","start":1216.1799,"end":1227.86,"sentiment":"neutral","sentiment_score":-0.10108138819535574},{"text":"So have you got anything to do with insurances at all?","start":1227.86,"end":1231.4349,"sentiment":"neutral","sentiment_score":-0.018947253681041977}],"sentiment":"neutral","sentiment_score":-0.13871623907620326,"num_words":78,"start":1206.3251,"end":1231.4349},{"sentences":[{"text":"Oh, beautiful.","start":1235.4149,"end":1236.235,"sentiment":"positive","sentiment_score":0.5913724899291992},{"text":"Because, yeah, the the only reason ART is there is because when I come to you guys, they said to me, because I've got sleep apnea, don't even bother about trying to change it because you've got insurance there.","start":1236.2949,"end":1247.0901,"sentiment":"neutral","sentiment_score":0.038788618376621835},{"text":"We'll leave it there.","start":1247.0901,"end":1247.81,"sentiment":"neutral","sentiment_score":0.014682374894618988},{"text":"We'll leave it topped up at 10,000 or whatever it was when they drew the money out.","start":1247.81,"end":1254.29,"sentiment":"neutral","sentiment_score":0.0036746101344332974},{"text":"So I know when I got that insurance set up, I was under a corporate insurance.","start":1254.29,"end":1262.885,"sentiment":"neutral","sentiment_score":-0.014749935013242066}],"sentiment":"neutral","sentiment_score":0.033085897541007936,"num_words":78,"start":1235.4149,"end":1262.885},{"sentences":[{"text":"And then when I left that company, I just said the ART.","start":1263.585,"end":1266.725,"sentiment":"neutral","sentiment_score":-0.039493531454354525},{"text":"I don't care what it costs.","start":1267.265,"end":1268.705,"sentiment":"neutral","sentiment_score":-0.0757993757724762},{"text":"I like what's there.","start":1268.705,"end":1269.585,"sentiment":"neutral","sentiment_score":0.12949776649475098},{"text":"I'm gonna keep the same.","start":1269.585,"end":1270.625,"sentiment":"neutral","sentiment_score":0.08052119612693787},{"text":"And that's what I've done.","start":1270.625,"end":1271.585,"sentiment":"neutral","sentiment_score":0.042038587480783464}],"sentiment":"neutral","sentiment_score":0.006314729747828096,"num_words":32,"start":1263.585,"end":1271.585},{"sentences":[{"text":"I haven't changed anything.","start":1271.585,"end":1272.625,"sentiment":"neutral","sentiment_score":-0.1072904746979475},{"text":"I've just that's been the same insurance policy since 2000 when I start mine in 2008.","start":1272.625,"end":1281.1599,"sentiment":"neutral","sentiment_score":-0.0267245079157874},{"text":"So nearly eighteen years.","start":1281.1599,"end":1282.86,"sentiment":"neutral","sentiment_score":-0.018714612815529108},{"text":"Pretty much.","start":1289.055,"end":1289.795,"sentiment":"neutral","sentiment_score":0.030887827277183533},{"text":"Yep.","start":1290.7351,"end":1291.2151,"sentiment":"neutral","sentiment_score":0.02312484383583069}],"sentiment":"neutral","sentiment_score":-0.03135970290060396,"num_words":27,"start":1271.585,"end":1291.2151},{"sentences":[{"text":"So 2008, I started mining.","start":1291.2151,"end":1293.2351,"sentiment":"neutral","sentiment_score":-0.0042914973571896555},{"text":"ART actually bought people to site and set all that up.","start":1294.015,"end":1299.155,"sentiment":"neutral","sentiment_score":0.0036600469188256698},{"text":"So and then I just went out I've had that for ages yeah.","start":1299.78,"end":1305.7001,"sentiment":"neutral","sentiment_score":-0.040611918299244},{"text":"Yeah.","start":1305.7001,"end":1305.9401,"sentiment":"neutral","sentiment_score":-0.028525596484541893},{"text":"Quite a while.","start":1305.9401,"end":1306.8401,"sentiment":"neutral","sentiment_score":-0.05741386612256368}],"sentiment":"neutral","sentiment_score":-0.021512700103674873,"num_words":33,"start":1291.2151,"end":1306.8401},{"sentences":[{"text":"And I just haven't changed it because when I come to use guys, I went, alright.","start":1306.9,"end":1311.4,"sentiment":"neutral","sentiment_score":-0.10952347330749035},{"text":"Let's move the insurances over and have everything fall into one.","start":1311.9651,"end":1314.7051,"sentiment":"neutral","sentiment_score":-0.11622498726302927},{"text":"And I got I got told don't do it because of this medical condition.","start":1315.245,"end":1319.345,"sentiment":"neutral","sentiment_score":-0.2375829235783645},{"text":"So which I as far as I'm concerned, I no longer have.","start":1320.125,"end":1325.405,"sentiment":"neutral","sentiment_score":-0.16786288345853487},{"text":"I've lost weight.","start":1325.405,"end":1326.45,"sentiment":"neutral","sentiment_score":-0.14133394261201224}],"sentiment":"neutral","sentiment_score":-0.1570601391472987,"num_words":56,"start":1306.9,"end":1326.45},{"sentences":[{"text":"The snoring stops.","start":1327.49,"end":1328.95,"sentiment":"neutral","sentiment_score":-0.1532203604777654},{"text":"I'm calling to my wife anyway.","start":1329.97,"end":1331.25,"sentiment":"neutral","sentiment_score":-0.06709121912717819},{"text":"The snoring stopped.","start":1331.25,"end":1332.3099,"sentiment":"neutral","sentiment_score":-0.07707817852497101},{"text":"She said when I'm sleeping, it doesn't sound like I'm gasping for air or anything like that.","start":1332.9299,"end":1337.01,"sentiment":"neutral","sentiment_score":0.013200918979504529},{"text":"It's just dead quiet.","start":1337.01,"end":1338.61,"sentiment":"neutral","sentiment_score":-0.028191214776597917}],"sentiment":"neutral","sentiment_score":-0.02975127782503312,"num_words":33,"start":1327.49,"end":1338.61},{"sentences":[{"text":"She's actually gotta check to make sure I'm still breathing.","start":1338.61,"end":1341.19,"sentiment":"neutral","sentiment_score":-0.018824630044400693},{"text":"So I'm assuming the sleep apnea is gone after losing a bit of weight.","start":1342.8351,"end":1348.055,"sentiment":"neutral","sentiment_score":-0.1140357508723225},{"text":"So I'm just wondering, do I need to go do another sleep study to get this confirmed or or what I need to do?","start":1349.0751,"end":1355.655,"sentiment":"neutral","sentiment_score":-0.04356655400867263},{"text":"Yep.","start":1370.9,"end":1371.4,"sentiment":"neutral","sentiment_score":0.2398245334625244},{"text":"Mhmm.","start":1379.1749,"end":1379.6749,"sentiment":"neutral","sentiment_score":0.15417030453681946}],"sentiment":"neutral","sentiment_score":-0.048726985417306426,"num_words":50,"start":1338.61,"end":1379.6749},{"sentences":[{"text":"Yep.","start":1387.3099,"end":1387.8099,"sentiment":"neutral","sentiment_score":0.11719459295272829},{"text":"Yep.","start":1400.715,"end":1401.215,"sentiment":"neutral","sentiment_score":0.11130358278751372},{"text":"Yep.","start":1415.23,"end":1415.73,"sentiment":"neutral","sentiment_score":0.09406992048025133},{"text":"Yeah.","start":1432.355,"end":1432.595,"sentiment":"neutral","sentiment_score":0.1115458756685257},{"text":"And that's what I'm looking for is just, one, because I'm gonna start making contributions very shortly.","start":1432.595,"end":1439.28,"sentiment":"neutral","sentiment_score":0.16982856349033468}],"sentiment":"neutral","sentiment_score":0.15815235958212898,"num_words":21,"start":1387.3099,"end":1439.28},{"sentences":[{"text":"And then we're not worrying about transferring money from here to there.","start":1440.7,"end":1444.96,"sentiment":"neutral","sentiment_score":0.08158150222152472},{"text":"I mean, I'm happy with Netwealth, but if there's not an option there for me to have the one and I've gotta keep the two, but you've got an option where I can have the one and I'm gonna get similar return, I'm pretty open to that.","start":1445.58,"end":1458.9249,"sentiment":"neutral","sentiment_score":0.20446018097882576},{"text":"And you guys are managing all that for me anyway.","start":1458.9249,"end":1461.085,"sentiment":"positive","sentiment_score":0.3429648861289024},{"text":"So whatever network we're getting.","start":1461.085,"end":1463.345,"sentiment":"neutral","sentiment_score":0.15411346405744553},{"text":"Yep.","start":1477.9299,"end":1478.4299,"sentiment":"neutral","sentiment_score":0.09789174050092696}],"sentiment":"neutral","sentiment_score":0.1984895260632038,"num_words":75,"start":1440.7,"end":1478.4299},{"sentences":[{"text":"Yep.","start":1479.705,"end":1480.205,"sentiment":"neutral","sentiment_score":0.13127239048480988},{"text":"That's that's fine.","start":1480.265,"end":1481.485,"sentiment":"neutral","sentiment_score":0.303563525279363},{"text":"So when I when you look at my risk profile, I'm in high risk at the moment anyway because at the end of the day, I've still got another thirty years of work.","start":1481.865,"end":1493.16,"sentiment":"neutral","sentiment_score":-0.11685038707924611},{"text":"So I don't give a shit if I lose $20.30, $40 tomorrow because at the end of the day, I've still got thirty years to build it back up.","start":1493.16,"end":1501.66,"sentiment":"neutral","sentiment_score":-0.2551473481901761},{"text":"If I would say fifty five, sixty, I might be a little bit more dubious, but right now, don't care.","start":1501.72,"end":1507.025,"sentiment":"neutral","sentiment_score":-0.09113162895664573}],"sentiment":"neutral","sentiment_score":-0.13995355213884003,"num_words":86,"start":1479.705,"end":1507.025},{"sentences":[{"text":"Yep.","start":1518.045,"end":1518.545,"sentiment":"neutral","sentiment_score":0.11219076812267303},{"text":"Yep.","start":1518.765,"end":1519.265,"sentiment":"neutral","sentiment_score":0.11025218665599824},{"text":"Yep.","start":1526.28,"end":1526.78,"sentiment":"neutral","sentiment_score":0.07352497428655624},{"text":"Cool.","start":1529.64,"end":1530.14,"sentiment":"positive","sentiment_score":0.5241317749023438},{"text":"I like it.","start":1531.4801,"end":1532.38,"sentiment":"positive","sentiment_score":0.5207795798778534}],"sentiment":"positive","sentiment_score":0.3403483490858759,"num_words":7,"start":1518.045,"end":1532.38},{"sentences":[{"text":"Yep.","start":1546.395,"end":1546.895,"sentiment":"neutral","sentiment_score":-0.04347125440835953},{"text":"I'm not worried about whatever comes out for that type of insurance.","start":1560.605,"end":1565.105,"sentiment":"neutral","sentiment_score":-0.15570657576123872},{"text":"I've got health insurance to cover me for that sort of stuff anyway.","start":1565.5651,"end":1568.545,"sentiment":"neutral","sentiment_score":-0.04638976249127434},{"text":"The only one I'm really wanna keep would be the TPD in the lot.","start":1570.925,"end":1578.01,"sentiment":"neutral","sentiment_score":-0.10256436147860118},{"text":"That's the only thing I was really concerned about.","start":1578.01,"end":1579.9501,"sentiment":"neutral","sentiment_score":-0.26455140113830566}],"sentiment":"neutral","sentiment_score":-0.12922205605867262,"num_words":49,"start":1546.395,"end":1579.9501},{"sentences":[{"text":"I've I've got health insurance.","start":1580.17,"end":1581.55,"sentiment":"neutral","sentiment_score":-0.22698795199394226},{"text":"I don't have income protection.","start":1581.93,"end":1587.165,"sentiment":"neutral","sentiment_score":-0.28460617512464526},{"text":"I I don't have that other than what's in the super, but at the end of the day, I also don't have enough money there to to last me fucking ninety days in today's climate either.","start":1588.3451,"end":1597.885,"sentiment":"negative","sentiment_score":-0.38262256648805404},{"text":"So whatever.","start":1598.265,"end":1600.84,"sentiment":"neutral","sentiment_score":-0.10764395818114281},{"text":"I'm not concerned.","start":1600.84,"end":1601.72,"sentiment":"neutral","sentiment_score":-0.13440058132012686}],"sentiment":"neutral","sentiment_score":-0.3323700527350108,"num_words":51,"start":1580.17,"end":1601.72},{"sentences":[{"text":"If if I've gotta go without for a couple of weeks, whatever.","start":1601.72,"end":1605.26,"sentiment":"neutral","sentiment_score":-0.19101946925123534},{"text":"It is what it is.","start":1605.56,"end":1606.78,"sentiment":"neutral","sentiment_score":-0.12107871472835541},{"text":"The biggest thing for me is that TPD and life, because I am in in a high risk industry as they call it in coal mining or in in mining in general.","start":1608.12,"end":1617.775,"sentiment":"neutral","sentiment_score":-0.09167243324918672},{"text":"And the only reason why I kept that same policy with them was because at the time I was doing I was dealing with explosives, and ART were happy to have me covered for that, which I found really bizarre.","start":1619.5951,"end":1633.67,"sentiment":"neutral","sentiment_score":-0.13598519163206219},{"text":"So that's why I've just continued on with that as well because I am ex shot fire now.","start":1634.05,"end":1639.695,"sentiment":"neutral","sentiment_score":-0.1360923225680987}],"sentiment":"neutral","sentiment_score":-0.1282263041134471,"num_words":107,"start":1601.72,"end":1639.695},{"sentences":[{"text":"I don't do it anymore, but I am I used to be a shot fire so that's why I just continued that insurance on.","start":1639.695,"end":1644.835,"sentiment":"neutral","sentiment_score":-0.12517939725269875},{"text":"Nope.","start":1647.855,"end":1648.355,"sentiment":"neutral","sentiment_score":-0.26646551489830017},{"text":"Nope.","start":1650.175,"end":1650.675,"sentiment":"neutral","sentiment_score":-0.26934996247291565},{"text":"Don't deal with any don't do any training near explosives.","start":1651.12,"end":1653.86,"sentiment":"negative","sentiment_score":-0.3415077477693558},{"text":"Don't do anything with them at all.","start":1654.0,"end":1655.7799,"sentiment":"neutral","sentiment_score":-0.3202478970800127}],"sentiment":"neutral","sentiment_score":-0.21388218066720074,"num_words":43,"start":1639.695,"end":1655.7799},{"sentences":[{"text":"Don't even have a ShopRise license anymore.","start":1656.24,"end":1658.5,"sentiment":"neutral","sentiment_score":-0.29822711433683124},{"text":"My store handling transport has all expired.","start":1658.5599,"end":1662.02,"sentiment":"negative","sentiment_score":-0.37915157420294626},{"text":"I I don't deal with anything anything at all.","start":1662.1599,"end":1665.765,"sentiment":"negative","sentiment_score":-0.34554871585634017},{"text":"I don't even have a dangerous goods license anymore.","start":1665.845,"end":1668.105,"sentiment":"neutral","sentiment_score":-0.3170107371277279},{"text":"Yeah.","start":1674.405,"end":1674.805,"sentiment":"neutral","sentiment_score":-0.02956853248178959}],"sentiment":"neutral","sentiment_score":-0.325280437245965,"num_words":33,"start":1656.24,"end":1674.805},{"sentences":[{"text":"Shot fire.","start":1674.805,"end":1675.365,"sentiment":"neutral","sentiment_score":-0.036708688363432884},{"text":"So I used to be the I blow the dirt up, set all the bombs off.","start":1675.365,"end":1679.465,"sentiment":"neutral","sentiment_score":-0.07576354150660336},{"text":"Yeah.","start":1681.0701,"end":1681.5701,"sentiment":"neutral","sentiment_score":0.1064784824848175},{"text":"Yeah.","start":1682.35,"end":1682.67,"sentiment":"neutral","sentiment_score":0.010212773457169533},{"text":"Well, it it's good, but then when they started having issues with Afghanistan and then I think it was Beirut that blew up when they the blew up at the harbor and flattened the town.","start":1682.67,"end":1696.4751,"sentiment":"neutral","sentiment_score":-0.20566381247980253}],"sentiment":"neutral","sentiment_score":-0.15213047675788402,"num_words":55,"start":1674.805,"end":1696.4751},{"sentences":[{"text":"I just went into this.","start":1697.175,"end":1698.6151,"sentiment":"neutral","sentiment_score":-0.24078883826732636},{"text":"This is not gonna be good, and it really wasn't.","start":1698.6151,"end":1700.775,"sentiment":"negative","sentiment_score":-0.6466079473495483},{"text":"And I just handed everything in and went, I'm not not interested anymore.","start":1700.775,"end":1703.915,"sentiment":"negative","sentiment_score":-0.47249860946948713},{"text":"I I enjoy that work.","start":1707.5751,"end":1708.6951,"sentiment":"positive","sentiment_score":0.34749030470848086},{"text":"I I really do.","start":1708.6951,"end":1709.79,"sentiment":"neutral","sentiment_score":0.32515954691916704}],"sentiment":"neutral","sentiment_score":-0.2912004291004426,"num_words":37,"start":1697.175,"end":1709.79},{"sentences":[{"text":"And I enjoy training people in that, but it's just an industry that's getting too heavily compliance and restrictive now.","start":1710.03,"end":1720.05,"sentiment":"neutral","sentiment_score":-0.1670329999178648},{"text":"It's yeah.","start":1720.3501,"end":1721.7101,"sentiment":"negative","sentiment_score":-0.35894671082496643},{"text":"Not gonna get anything done.","start":1721.7101,"end":1723.0701,"sentiment":"negative","sentiment_score":-0.5458298087120056},{"text":"There's not it's not what it used to be.","start":1723.0701,"end":1725.165,"sentiment":"negative","sentiment_score":-0.42188254329893327},{"text":"So I'm just not interested in it.","start":1725.645,"end":1727.245,"sentiment":"negative","sentiment_score":-0.5802423698561532}],"sentiment":"negative","sentiment_score":-0.34061260330815646,"num_words":43,"start":1710.03,"end":1727.245},{"sentences":[{"text":"So I'm just staying away from it.","start":1727.245,"end":1728.865,"sentiment":"negative","sentiment_score":-0.4997866792338235},{"text":"Pretty much all of my work is training assessing.","start":1743.1901,"end":1745.6901,"sentiment":"neutral","sentiment_score":0.05413828707403607},{"text":"Like, everything I do is training assessing.","start":1746.31,"end":1748.3301,"sentiment":"neutral","sentiment_score":0.05809734495622771},{"text":"Some of it's on-site, some of it's off-site.","start":1749.67,"end":1751.67,"sentiment":"neutral","sentiment_score":0.01819817308569327},{"text":"So I would say let let's work with the, say, Monday to Thursday on-site and then the Friday off-site.","start":1751.67,"end":1759.355,"sentiment":"neutral","sentiment_score":0.04800581147796229}],"sentiment":"neutral","sentiment_score":-0.030937699070200324,"num_words":50,"start":1727.245,"end":1759.355},{"sentences":[{"text":"So you'd be looking at five twenty, so eighty twenty.","start":1759.4149,"end":1763.6749,"sentiment":"neutral","sentiment_score":0.025495874136686324},{"text":"On-site, there's everything that's classed as a high risk task is is simulated because we don't expose trainees to real high risk scenarios.","start":1774.3301,"end":1788.1549,"sentiment":"neutral","sentiment_score":-0.08755534275880326},{"text":"We simulate them on-site.","start":1788.215,"end":1789.995,"sentiment":"neutral","sentiment_score":-0.03339510736986995},{"text":"So like any of our gas monitoring, working in confined space, working at heights, operating forklifts, all that sort of stuff is simulated in a controlled environment.","start":1791.0149,"end":1800.76,"sentiment":"neutral","sentiment_score":0.0008965808622263096},{"text":"So a lot of that's classroom based.","start":1802.98,"end":1804.9199,"sentiment":"neutral","sentiment_score":0.009057100063988141}],"sentiment":"neutral","sentiment_score":-0.02541953785686006,"num_words":71,"start":1759.4149,"end":1804.9199},{"sentences":[{"text":"When I'm doing training off-site and working for an RTO, that's done in the fifty fifty ratio.","start":1806.98,"end":1814.255,"sentiment":"neutral","sentiment_score":0.05360140925382867},{"text":"So fifty fifty so 50% is done in the classroom, and then we've got to go out and do practicals to ensure that the trainee understands how to use the the machines or the tooling safely.","start":1814.395,"end":1828.42,"sentiment":"neutral","sentiment_score":0.10502187348902225},{"text":"They understand the risks.","start":1829.2,"end":1830.3201,"sentiment":"neutral","sentiment_score":0.07775518205016851},{"text":"They know how to implement controls.","start":1830.3201,"end":1832.1,"sentiment":"neutral","sentiment_score":0.07524153590202332},{"text":"So we we go and do it.","start":1832.96,"end":1834.3201,"sentiment":"neutral","sentiment_score":0.10321345286709922}],"sentiment":"neutral","sentiment_score":0.08824250738003424,"num_words":70,"start":1806.98,"end":1834.3201},{"sentences":[{"text":"It's still a very controlled scenario because I'm the one that's controlling everything.","start":1834.3201,"end":1839.755,"sentiment":"neutral","sentiment_score":-0.006451314485345323},{"text":"But the very rarely go out to off-site.","start":1840.7749,"end":1846.2949,"sentiment":"neutral","sentiment_score":-0.0798525339923799},{"text":"Anytime I go off-site is when I'm doing if I have to do a tree lopping course, which I haven't done one of them in I don't know how long.","start":1846.2949,"end":1855.4401,"sentiment":"neutral","sentiment_score":0.015630724343160787},{"text":"I normally just do operate and maintain chainsaws.","start":1855.4401,"end":1858.42,"sentiment":"neutral","sentiment_score":0.01997638214379549},{"text":"This is all I've done lately.","start":1858.4801,"end":1859.68,"sentiment":"neutral","sentiment_score":0.07193930571277936}],"sentiment":"neutral","sentiment_score":0.005195096330359005,"num_words":65,"start":1834.3201,"end":1859.68},{"sentences":[{"text":"So yeah.","start":1859.68,"end":1862.42,"sentiment":"neutral","sentiment_score":0.09177880734205246},{"text":"Yep.","start":1869.2949,"end":1869.7949,"sentiment":"neutral","sentiment_score":-0.025699667632579803},{"text":"That's right.","start":1875.5349,"end":1876.355,"sentiment":"neutral","sentiment_score":0.1112527996301651},{"text":"Sometimes it's a coal mining truck.","start":1888.3899,"end":1890.105,"sentiment":"neutral","sentiment_score":0.009205042695005735},{"text":"Sometimes it's a road train.","start":1890.345,"end":1891.625,"sentiment":"neutral","sentiment_score":0.023872044682502747}],"sentiment":"neutral","sentiment_score":0.034684626618400216,"num_words":16,"start":1859.68,"end":1891.625},{"sentences":[{"text":"Sometimes it's a HR.","start":1891.625,"end":1892.845,"sentiment":"neutral","sentiment_score":0.01573762809857726},{"text":"Sometimes it's a semi trailer.","start":1893.3049,"end":1894.985,"sentiment":"neutral","sentiment_score":0.014231516048312187},{"text":"Sometimes it's a medium rigid truck.","start":1894.985,"end":1896.745,"sentiment":"neutral","sentiment_score":0.01475745439529419},{"text":"It just depends on what training's required at that point in time.","start":1896.745,"end":1900.0449,"sentiment":"neutral","sentiment_score":0.030596209170956474},{"text":"So it could be a dump truck.","start":1902.025,"end":1903.565,"sentiment":"neutral","sentiment_score":0.04344857803412846}],"sentiment":"neutral","sentiment_score":0.026292569861706236,"num_words":34,"start":1891.625,"end":1903.565},{"sentences":[{"text":"It could be a road train a road going truck or it could be an off road haul truck.","start":1903.92,"end":1908.88,"sentiment":"neutral","sentiment_score":0.03875248359614297},{"text":"So my area of expertise is not off road haul trucks.","start":1908.88,"end":1916.625,"sentiment":"neutral","sentiment_score":0.010501654141328552},{"text":"My area of expertise is within the civil mining space.","start":1917.905,"end":1921.205,"sentiment":"neutral","sentiment_score":0.010251365415751935},{"text":"So smaller civil sized equipment that we would use to build roads, dams, levees, suburbia suburban streets, stuff like that on the mine sites.","start":1921.665,"end":1932.31,"sentiment":"neutral","sentiment_score":0.02393289073370397},{"text":"That's my expertise.","start":1932.37,"end":1933.5901,"sentiment":"neutral","sentiment_score":0.027858731647332508}],"sentiment":"neutral","sentiment_score":0.024064098665518546,"num_words":67,"start":1903.92,"end":1933.5901},{"sentences":[{"text":"That's what I angle in.","start":1933.73,"end":1935.91,"sentiment":"neutral","sentiment_score":0.06783773824572563},{"text":"I do hold the skills to train in the big dump trucks and has been called on occasionally to do it, but whole track pass outs, I think I've done maybe 20 in eighteen months.","start":1936.61,"end":1954.125,"sentiment":"neutral","sentiment_score":0.05743719823658466},{"text":"And in that eighteen months, I've probably done 3,000 assessments.","start":1954.905,"end":1959.245,"sentiment":"neutral","sentiment_score":0.06249483376741409},{"text":"So so it's very minute to have trainers for that.","start":1961.9701,"end":1965.99,"sentiment":"neutral","sentiment_score":0.02435428984463215},{"text":"But occasionally, they do call me in and I am required.","start":1966.77,"end":1970.2301,"sentiment":"neutral","sentiment_score":-0.013092116537419233}],"sentiment":"neutral","sentiment_score":0.04329533216504144,"num_words":71,"start":1933.73,"end":1970.2301},{"sentences":[{"text":"But it's like I said, I've done probably 3,000 assessments in the last two years, and probably 20 of them have been haul trucks.","start":1970.6901,"end":1978.725,"sentiment":"neutral","sentiment_score":0.06767813655703019},{"text":"Yep.","start":1997.36,"end":1997.86,"sentiment":"positive","sentiment_score":0.4680498242378235},{"text":"Yep.","start":1998.88,"end":1999.38,"sentiment":"neutral","sentiment_score":0.10961903631687164},{"text":"Potts retarded.","start":2004.635,"end":2005.455,"sentiment":"neutral","sentiment_score":-0.263644739985466},{"text":"It's not good at all.","start":2005.675,"end":2006.895,"sentiment":"neutral","sentiment_score":-0.1384726956486702}],"sentiment":"neutral","sentiment_score":0.029766399385125347,"num_words":33,"start":1970.6901,"end":2006.895},{"sentences":[{"text":"Yep.","start":2012.25,"end":2012.75,"sentiment":"neutral","sentiment_score":0.07847816497087479},{"text":"Yep.","start":2024.01,"end":2024.41,"sentiment":"neutral","sentiment_score":0.1108069270849228},{"text":"Yeah.","start":2024.41,"end":2024.81,"sentiment":"neutral","sentiment_score":0.15397769212722778},{"text":"That's fine.","start":2024.81,"end":2025.53,"sentiment":"neutral","sentiment_score":0.24723386764526367},{"text":"Like, if you if you need more information as to the type of training I do, I mean, I can I can tell you, like, there's there's excavators, there's loaders, there's graders, there's dozers?","start":2025.53,"end":2038.6951,"sentiment":"neutral","sentiment_score":0.09246068442349925}],"sentiment":"neutral","sentiment_score":0.10208702025314172,"num_words":39,"start":2012.25,"end":2038.6951},{"sentences":[{"text":"That's that's the main guts of my training are them five.","start":2039.85,"end":2043.47,"sentiment":"neutral","sentiment_score":0.05934375219724395},{"text":"But like I said, there is light vehicles, there is road trains.","start":2045.93,"end":2050.35,"sentiment":"neutral","sentiment_score":0.00696904119104147},{"text":"So it it is it's not straight, but it is all training assessing for people on their machines.","start":2050.49,"end":2056.665,"sentiment":"neutral","sentiment_score":-0.019721822399232123},{"text":"It's not me operating them.","start":2056.665,"end":2058.345,"sentiment":"neutral","sentiment_score":-0.07052118107676505},{"text":"I'm training and assessing people on their machines.","start":2058.345,"end":2060.7651,"sentiment":"neutral","sentiment_score":-0.038849770557135344}],"sentiment":"neutral","sentiment_score":-0.005221983417868614,"num_words":54,"start":2039.85,"end":2060.7651},{"sentences":[{"text":"So my whole job is training and assessing.","start":2062.025,"end":2064.285,"sentiment":"neutral","sentiment_score":0.01580370799638331},{"text":"It just varies to what's required at that point in time and what's required for what job.","start":2064.67,"end":2069.57,"sentiment":"neutral","sentiment_score":0.01897743667530663},{"text":"Well, I don't yeah.","start":2079.4849,"end":2083.7249,"sentiment":"neutral","sentiment_score":-0.10196074657142162},{"text":"So I don't drive the truck.","start":2083.7249,"end":2085.8848,"sentiment":"neutral","sentiment_score":-0.07021691650152206},{"text":"So, yes, I drive the truck to show the trainee where they need to go and how they need to drive the truck on-site.","start":2085.8848,"end":2094.78,"sentiment":"neutral","sentiment_score":-0.00875723804347217}],"sentiment":"neutral","sentiment_score":-0.010004612048930031,"num_words":59,"start":2062.025,"end":2094.78},{"sentences":[{"text":"That is my expectation.","start":2094.78,"end":2096.16,"sentiment":"neutral","sentiment_score":-0.05757926590740681},{"text":"Nice.","start":2098.86,"end":2099.36,"sentiment":"neutral","sentiment_score":-0.12621572613716123},{"text":"Nice.","start":2100.86,"end":2101.36,"sentiment":"neutral","sentiment_score":-0.01193346455693245},{"text":"I do one run, and I go, this is your expectation.","start":2101.82,"end":2104.56,"sentiment":"neutral","sentiment_score":0.02293468469923193},{"text":"I do one run, and then I get out, and I sit in the passenger seat, and they drive.","start":2105.145,"end":2109.0051,"sentiment":"neutral","sentiment_score":0.020304316311682526}],"sentiment":"neutral","sentiment_score":0.00748881353582773,"num_words":36,"start":2094.78,"end":2109.0051},{"sentences":[{"text":"So I'm not in there.","start":2112.105,"end":2113.465,"sentiment":"neutral","sentiment_score":-0.15264401882886885},{"text":"And then if they can nail what I need them to nail in an hour and a half, all good marks.","start":2113.465,"end":2119.1301,"sentiment":"neutral","sentiment_score":0.06215187907218933},{"text":"If it takes them two days, well, then I've gotta sit in the seat beside them for two days.","start":2119.1301,"end":2123.3901,"sentiment":"neutral","sentiment_score":0.05128174314373418},{"text":"I mean, it it just it is what it is, but I'd I'd set the expectation with me doing the first run, and then that's it.","start":2123.77,"end":2131.005,"sentiment":"neutral","sentiment_score":0.06267708554290809},{"text":"I'm here to assess you because you're coming here with previous skills.","start":2131.325,"end":2134.625,"sentiment":"neutral","sentiment_score":0.12595578158895174}],"sentiment":"neutral","sentiment_score":0.05611320589500737,"num_words":83,"start":2112.105,"end":2134.625},{"sentences":[{"text":"Why we go?","start":2135.085,"end":2135.7249,"sentiment":"neutral","sentiment_score":0.09808272123336792},{"text":"Show me what you can do.","start":2135.7249,"end":2137.025,"sentiment":"neutral","sentiment_score":0.18194550524155298},{"text":"So that's that's what I normally do.","start":2137.7249,"end":2140.545,"sentiment":"neutral","sentiment_score":0.023329485739980425},{"text":"I I don't actually sit there and haul myself.","start":2140.6848,"end":2145.04,"sentiment":"neutral","sentiment_score":-0.2214808546834522},{"text":"Yep.","start":2169.945,"end":2170.425,"sentiment":"neutral","sentiment_score":0.13605044782161713}],"sentiment":"neutral","sentiment_score":-0.011848063423083378,"num_words":26,"start":2135.085,"end":2170.425},{"sentences":[{"text":"Yep.","start":2170.425,"end":2170.925,"sentiment":"neutral","sentiment_score":0.14813581109046936},{"text":"Yep.","start":2191.8052,"end":2192.3052,"sentiment":"neutral","sentiment_score":0.06327413022518158},{"text":"Yep.","start":2202.45,"end":2202.69,"sentiment":"neutral","sentiment_score":0.2789245843887329},{"text":"That's cool.","start":2202.69,"end":2203.51,"sentiment":"positive","sentiment_score":0.5683577060699463},{"text":"Goodbye.","start":2218.265,"end":2218.765,"sentiment":"negative","sentiment_score":-0.3621431887149811}],"sentiment":"neutral","sentiment_score":0.21081779152154922,"num_words":6,"start":2170.425,"end":2218.765},{"sentences":[{"text":"Yeah.","start":2233.5,"end":2233.8198,"sentiment":"neutral","sentiment_score":0.04298675060272217},{"text":"No.","start":2233.8198,"end":2234.0598,"sentiment":"neutral","sentiment_score":-0.056610990315675735},{"text":"That'd be cool.","start":2234.0598,"end":2234.88,"sentiment":"neutral","sentiment_score":0.15479368964831033},{"text":"Thank you.","start":2235.26,"end":2236.0,"sentiment":"positive","sentiment_score":0.49648594856262207},{"text":"Yep.","start":2244.2349,"end":2244.7349,"sentiment":"neutral","sentiment_score":0.043571002781391144}],"sentiment":"neutral","sentiment_score":0.1859124661423266,"num_words":8,"start":2233.5,"end":2244.7349},{"sentences":[{"text":"Yeah.","start":2249.915,"end":2250.415,"sentiment":"neutral","sentiment_score":0.12353739887475967},{"text":"Yeah, mate.","start":2250.7148,"end":2251.195,"sentiment":"neutral","sentiment_score":0.24692407250404358},{"text":"That's that's perfectly fine.","start":2251.195,"end":2252.9749,"sentiment":"positive","sentiment_score":0.5270908623933792},{"text":"What what would you recommend what what would be your advice for contributions to to be going in?","start":2253.115,"end":2262.85,"sentiment":"neutral","sentiment_score":0.1958039104938507},{"text":"Like like, what would your expectation be from turning over okay.","start":2263.31,"end":2269.15,"sentiment":"neutral","sentiment_score":0.10834494470195337}],"sentiment":"neutral","sentiment_score":0.206722604835199,"num_words":36,"start":2249.915,"end":2269.15},{"sentences":[{"text":"Let's as a person personal income, I'm sitting there in that one thirty, one forty.","start":2269.15,"end":2274.465,"sentiment":"neutral","sentiment_score":0.04318851431210836},{"text":"If I wanted the company to make payments on my behalf, I think it's, what, 10 and a half or is it 11% now?","start":2275.0852,"end":2285.4001,"sentiment":"neutral","sentiment_score":0.012956882632958392},{"text":"I've got it at the company's meant to pay.","start":2285.4001,"end":2287.58,"sentiment":"neutral","sentiment_score":-0.09746863775783116},{"text":"Oh, fucking Jesus.","start":2289.8,"end":2290.92,"sentiment":"negative","sentiment_score":-0.5888992051283518},{"text":"I knew it was going up soon, but holy.","start":2290.92,"end":2292.86,"sentiment":"negative","sentiment_score":-0.38581667012638515}],"sentiment":"neutral","sentiment_score":-0.08595787480783959,"num_words":60,"start":2269.15,"end":2292.86},{"sentences":[{"text":"Yeah.","start":2311.805,"end":2312.045,"sentiment":"neutral","sentiment_score":0.12524965405464172},{"text":"Well, I was I was trying to aim for more than yeah.","start":2312.045,"end":2316.7998,"sentiment":"neutral","sentiment_score":0.02376168655852477},{"text":"I was trying to aim for more than that myself.","start":2316.7998,"end":2318.72,"sentiment":"neutral","sentiment_score":0.08961977288126946},{"text":"I wanted to try and maximize it.","start":2318.72,"end":2320.5798,"sentiment":"neutral","sentiment_score":0.1777897724615676},{"text":"And then the other thing I wanted to look at was the I've done a bit of reading in the first time super saver scheme, and when you pull the money back out, they tax again and it's classed as an income, and you get taxed on whatever bracket you happen to fall into.","start":2321.7598,"end":2336.2449,"sentiment":"neutral","sentiment_score":0.030574050249048957}],"sentiment":"neutral","sentiment_score":0.05002517550296727,"num_words":84,"start":2311.805,"end":2336.2449},{"sentences":[{"text":"So, yeah, yeah, with that offset depending on what you paid putting it in.","start":2337.185,"end":2343.01,"sentiment":"neutral","sentiment_score":0.04104484258485692},{"text":"So but I didn't know do you know much about how that works?","start":2343.6301,"end":2348.4502,"sentiment":"neutral","sentiment_score":-0.012309937308040949},{"text":"Yeah.","start":2352.27,"end":2352.51,"sentiment":"neutral","sentiment_score":0.012525873258709908},{"text":"No.","start":2352.51,"end":2352.83,"sentiment":"neutral","sentiment_score":-0.02551833353936672},{"text":"So what I was looking at was you can take a maximum withdrawal of $50.","start":2352.83,"end":2356.9849,"sentiment":"neutral","sentiment_score":0.006965722640355428}],"sentiment":"neutral","sentiment_score":0.0115020906933668,"num_words":44,"start":2337.185,"end":2356.9849},{"sentences":[{"text":"In the bracket I'm in now, I'm gonna have to pay around that 40¢ in the dollar as a personal income, personal tax.","start":2357.525,"end":2364.025,"sentiment":"neutral","sentiment_score":-0.020117551032771273},{"text":"So I think it's 44, I think, or whatever.","start":2364.565,"end":2367.445,"sentiment":"neutral","sentiment_score":-0.0267104831420713},{"text":"It's something around there anyway.","start":2367.445,"end":2368.825,"sentiment":"neutral","sentiment_score":-0.04187999367713928},{"text":"Now if I was to pull that $50 out, then they go, oh, you've gotta pay 44¢ on the dollar.","start":2369.81,"end":2374.69,"sentiment":"neutral","sentiment_score":-0.018086931864289862},{"text":"You've already paid 7 and a half putting it in.","start":2374.69,"end":2377.35,"sentiment":"neutral","sentiment_score":-0.026038425602018835}],"sentiment":"neutral","sentiment_score":-0.023021790781953873,"num_words":67,"start":2357.525,"end":2377.35},{"sentences":[{"text":"So you've gotta pay 37 and a half pulling it out.","start":2377.89,"end":2381.11,"sentiment":"neutral","sentiment_score":-0.007227234965698285},{"text":"Does that come out of that $50, or is that pulled out on top and then, say, 75 has come out or something because they want their 37¢ in the dollar?","start":2381.7651,"end":2392.485,"sentiment":"neutral","sentiment_score":-0.027724796533584596},{"text":"Or do and I get my 50?","start":2392.485,"end":2394.085,"sentiment":"neutral","sentiment_score":-0.012522785658282893},{"text":"Or does do I pull the 50 out, then they take their 37¢ in the dollar, and I'm left with $15?","start":2394.085,"end":2401.2,"sentiment":"neutral","sentiment_score":-0.018054060451686383},{"text":"Copy.","start":2409.555,"end":2410.055,"sentiment":"neutral","sentiment_score":-0.19274377822875977}],"sentiment":"neutral","sentiment_score":-0.022503303876821545,"num_words":71,"start":2377.89,"end":2410.055},{"sentences":[{"text":"Yep.","start":2422.275,"end":2422.775,"sentiment":"neutral","sentiment_score":0.1204749345779419},{"text":"Yep.","start":2425.8298,"end":2426.3298,"sentiment":"neutral","sentiment_score":0.10279667377471924},{"text":"Yep.","start":2428.55,"end":2429.05,"sentiment":"neutral","sentiment_score":0.08612664043903351},{"text":"Yeah.","start":2438.965,"end":2439.205,"sentiment":"neutral","sentiment_score":0.0675995945930481},{"text":"So, otherwise, they're gonna get that money.","start":2439.205,"end":2441.225,"sentiment":"neutral","sentiment_score":0.0983172133564949}],"sentiment":"neutral","sentiment_score":0.09683803062547337,"num_words":11,"start":2422.275,"end":2441.225},{"sentences":[{"text":"Yeah.","start":2450.645,"end":2451.145,"sentiment":"neutral","sentiment_score":0.31579792499542236},{"text":"Yep.","start":2452.78,"end":2453.28,"sentiment":"positive","sentiment_score":0.474515438079834},{"text":"Yep.","start":2456.14,"end":2456.64,"sentiment":"positive","sentiment_score":0.4670877456665039},{"text":"Yep.","start":2459.18,"end":2459.68,"sentiment":"neutral","sentiment_score":0.24232785403728485},{"text":"So in that so if it goes in there and I'll set it up the way it's gotta be set up, that I've paid tax on it before it goes in there, before I put the money in there, the tax is being paid on it, and I wanna pull out 50, I get the full 50.","start":2460.3,"end":2478.5952,"sentiment":"neutral","sentiment_score":0.19910288301476262}],"sentiment":"neutral","sentiment_score":0.21063267696099203,"num_words":61,"start":2450.645,"end":2478.5952},{"sentences":[{"text":"And then but if I pull put it in before tax and I wanna pull the 50 out, will they take out extra money to take their tax or will they take the tax out of that 50?","start":2479.455,"end":2491.92,"sentiment":"neutral","sentiment_score":-0.023949296605822287},{"text":"Yep.","start":2504.555,"end":2504.795,"sentiment":"neutral","sentiment_score":0.08548401296138763},{"text":"Okay.","start":2504.795,"end":2505.295,"sentiment":"neutral","sentiment_score":0.021621890366077423},{"text":"Yep.","start":2512.4749,"end":2512.9749,"sentiment":"neutral","sentiment_score":-0.02628222666680813},{"text":"No.","start":2513.73,"end":2513.81,"sentiment":"negative","sentiment_score":-0.38462501764297485}],"sentiment":"neutral","sentiment_score":-0.028901776476275353,"num_words":42,"start":2479.455,"end":2513.81},{"sentences":[{"text":"That's alright.","start":2513.81,"end":2514.47,"sentiment":"negative","sentiment_score":-0.4852481633424759},{"text":"No.","start":2515.89,"end":2516.13,"sentiment":"negative","sentiment_score":-0.40016335248947144},{"text":"That's alright.","start":2516.13,"end":2516.69,"sentiment":"neutral","sentiment_score":-0.23172521591186523},{"text":"I just thought because you need government mission to touch your own money anyway.","start":2516.69,"end":2520.63,"sentiment":"neutral","sentiment_score":-0.29107986922775},{"text":"I thought that would have just taken it then and there.","start":2521.89,"end":2524.61,"sentiment":"neutral","sentiment_score":-0.30591250278732995}],"sentiment":"neutral","sentiment_score":-0.3091421936949094,"num_words":30,"start":2513.81,"end":2524.61},{"sentences":[{"text":"I didn't think they'd just wait till the next financial year to go, hey.","start":2524.61,"end":2528.5251,"sentiment":"negative","sentiment_score":-0.33593385240861345},{"text":"Surprise.","start":2528.5251,"end":2529.0051,"sentiment":"neutral","sentiment_score":-0.1764339804649353},{"text":"You now owe us another $35,000.","start":2529.0051,"end":2531.665,"sentiment":"neutral","sentiment_score":-0.3151238312323888},{"text":"Yes.","start":2539.645,"end":2540.0452,"sentiment":"neutral","sentiment_score":0.10608848929405212},{"text":"Yeah.","start":2540.0452,"end":2540.5452,"sentiment":"neutral","sentiment_score":0.03009403869509697}],"sentiment":"neutral","sentiment_score":-0.288437755373509,"num_words":23,"start":2524.61,"end":2540.5452},{"sentences":[{"text":"Yep.","start":2549.8699,"end":2550.3699,"sentiment":"neutral","sentiment_score":0.2655889391899109},{"text":"Cool.","start":2551.47,"end":2551.97,"sentiment":"positive","sentiment_score":0.564447283744812},{"text":"So you love the Taxman just as much as we all do then, by the sound of that?","start":2552.19,"end":2556.0498,"sentiment":"positive","sentiment_score":0.41760706653197605},{"text":"Yep.","start":2560.485,"end":2560.985,"sentiment":"neutral","sentiment_score":0.1576027125120163},{"text":"Cool.","start":2567.845,"end":2568.085,"sentiment":"positive","sentiment_score":0.5773655772209167}],"sentiment":"positive","sentiment_score":0.41281507773832843,"num_words":22,"start":2549.8699,"end":2568.085},{"sentences":[{"text":"Thank you.","start":2568.085,"end":2568.825,"sentiment":"positive","sentiment_score":0.6082286536693573},{"text":"Yeah.","start":2578.87,"end":2579.37,"sentiment":"neutral","sentiment_score":-0.008072629570960999},{"text":"Well, I haven't made it.","start":2579.51,"end":2580.81,"sentiment":"neutral","sentiment_score":-0.15217506587505342},{"text":"I haven't paid anything since I started the company.","start":2581.5352,"end":2584.0352,"sentiment":"neutral","sentiment_score":-0.15128245618608263},{"text":"Yep.","start":2590.5752,"end":2591.0752,"sentiment":"neutral","sentiment_score":-0.07431088387966156}],"sentiment":"neutral","sentiment_score":-0.05490798006455103,"num_words":18,"start":2568.085,"end":2591.0752},{"sentences":[{"text":"Yep.","start":2594.975,"end":2595.475,"sentiment":"neutral","sentiment_score":-0.06071672961115837},{"text":"Yep.","start":2601.7,"end":2602.2,"sentiment":"neutral","sentiment_score":0.05959173291921616},{"text":"Yep.","start":2604.34,"end":2604.84,"sentiment":"neutral","sentiment_score":0.09292635321617126},{"text":"Yep.","start":2606.66,"end":2607.16,"sentiment":"neutral","sentiment_score":0.04079974815249443},{"text":"Yep.","start":2613.855,"end":2614.355,"sentiment":"neutral","sentiment_score":0.08310798555612564}],"sentiment":"neutral","sentiment_score":0.04314181804656982,"num_words":5,"start":2594.975,"end":2614.355},{"sentences":[{"text":"Yep.","start":2616.4949,"end":2616.895,"sentiment":"neutral","sentiment_score":0.15817108750343323},{"text":"Beautiful.","start":2616.895,"end":2617.395,"sentiment":"positive","sentiment_score":0.49014464020729065},{"text":"Oh, cool.","start":2623.535,"end":2624.355,"sentiment":"neutral","sentiment_score":0.2649368643760681},{"text":"Oh, nice.","start":2628.8599,"end":2629.52,"sentiment":"neutral","sentiment_score":0.0938335470855236},{"text":"Oh, I need two weeks.","start":2630.8599,"end":2632.08,"sentiment":"neutral","sentiment_score":-0.020134951919317245}],"sentiment":"neutral","sentiment_score":0.11501652645793828,"num_words":11,"start":2616.4949,"end":2632.08},{"sentences":[{"text":"Yep.","start":2636.8599,"end":2637.3599,"sentiment":"neutral","sentiment_score":0.047166794538497925},{"text":"Yep.","start":2637.66,"end":2638.125,"sentiment":"neutral","sentiment_score":0.04775318130850792},{"text":"Yep.","start":2649.485,"end":2649.985,"sentiment":"neutral","sentiment_score":0.15852443873882294},{"text":"Yep.","start":2655.23,"end":2655.6301,"sentiment":"neutral","sentiment_score":0.04784061014652252},{"text":"No.","start":2655.6301,"end":2655.87,"sentiment":"neutral","sentiment_score":0.003011457622051239}],"sentiment":"neutral","sentiment_score":0.06085929647088051,"num_words":5,"start":2636.8599,"end":2655.87},{"sentences":[{"text":"That's fine.","start":2655.87,"end":2656.61,"sentiment":"neutral","sentiment_score":0.10739120841026306},{"text":"Yeah.","start":2657.87,"end":2658.1902,"sentiment":"neutral","sentiment_score":0.2009229362010956},{"text":"That's fine.","start":2658.1902,"end":2658.9302,"sentiment":"neutral","sentiment_score":0.1990833282470703},{"text":"I mean, they've they've been sitting there now for this long.","start":2659.7102,"end":2661.87,"sentiment":"neutral","sentiment_score":-0.006685033779252659},{"text":"I'm not not worried about another month.","start":2661.87,"end":2663.7102,"sentiment":"neutral","sentiment_score":-0.050893819757870266}],"sentiment":"neutral","sentiment_score":0.01669912607125614,"num_words":23,"start":2655.87,"end":2663.7102},{"sentences":[{"text":"That is what it is.","start":2663.7102,"end":2664.85,"sentiment":"neutral","sentiment_score":0.10385163575410843},{"text":"It's fine.","start":2665.095,"end":2666.075,"sentiment":"neutral","sentiment_score":0.11754363030195236},{"text":"Yep.","start":2672.295,"end":2672.795,"sentiment":"neutral","sentiment_score":0.0021487437188625336},{"text":"Yeah.","start":2680.6199,"end":2680.8599,"sentiment":"neutral","sentiment_score":0.00813237577676773},{"text":"No.","start":2680.8599,"end":2681.02,"sentiment":"neutral","sentiment_score":-0.011170726269483566}],"sentiment":"neutral","sentiment_score":0.07534558326005936,"num_words":10,"start":2663.7102,"end":2681.02},{"sentences":[{"text":"Cool.","start":2681.02,"end":2681.3398,"sentiment":"neutral","sentiment_score":0.09910546243190764},{"text":"No dramas at all.","start":2681.3398,"end":2682.0598,"sentiment":"neutral","sentiment_score":0.05056101828813553},{"text":"Thank you.","start":2682.0598,"end":2682.8,"sentiment":"positive","sentiment_score":0.41024039685726166},{"text":"No, mate.","start":2688.3,"end":2688.94,"sentiment":"neutral","sentiment_score":0.008973196148872375},{"text":"No.","start":2688.94,"end":2689.44,"sentiment":"neutral","sentiment_score":-0.00383247435092926}],"sentiment":"neutral","sentiment_score":0.11359442472457885,"num_words":10,"start":2681.02,"end":2689.44},{"sentences":[{"text":"You've covered it all.","start":2689.66,"end":2690.46,"sentiment":"neutral","sentiment_score":0.13801713101565838},{"text":"It's been good.","start":2690.46,"end":2691.3599,"sentiment":"positive","sentiment_score":0.49066753188769024},{"text":"Yep.","start":2704.365,"end":2704.865,"sentiment":"neutral","sentiment_score":0.1226389929652214},{"text":"Yep.","start":2706.18,"end":2706.68,"sentiment":"neutral","sentiment_score":0.07823623716831207},{"text":"Thank you.","start":2715.3,"end":2716.1199,"sentiment":"positive","sentiment_score":0.5023511350154877}],"sentiment":"neutral","sentiment_score":0.29360441999001935,"num_words":11,"start":2689.66,"end":2716.1199},{"sentences":[{"text":"No dramas at all, mate.","start":2722.9548,"end":2723.835,"sentiment":"neutral","sentiment_score":0.27431969344615936},{"text":"Thank you very much for your time tonight.","start":2723.835,"end":2725.535,"sentiment":"positive","sentiment_score":0.7453367039561272},{"text":"Nine.","start":2742.5,"end":2743.0,"sentiment":"neutral","sentiment_score":0.017687223851680756},{"text":"Yep.","start":2744.1,"end":2744.6,"sentiment":"neutral","sentiment_score":0.0549367293715477},{"text":"Yep.","start":2747.9749,"end":2748.4749,"sentiment":"neutral","sentiment_score":0.03935066610574722}],"sentiment":"positive","sentiment_score":0.46539166988804936,"num_words":16,"start":2722.9548,"end":2748.4749},{"sentences":[{"text":"Yep.","start":2752.135,"end":2752.635,"sentiment":"neutral","sentiment_score":0.0292507391422987},{"text":"Yep.","start":2760.38,"end":2760.88,"sentiment":"neutral","sentiment_score":0.02458101324737072},{"text":"50 to Carrie and 25 to the two boys.","start":2763.2598,"end":2766.72,"sentiment":"neutral","sentiment_score":0.03923175918559233},{"text":"Yep.","start":2775.125,"end":2775.625,"sentiment":"neutral","sentiment_score":0.04099350422620773},{"text":"Yeah, mate.","start":2779.125,"end":2779.605,"sentiment":"neutral","sentiment_score":0.10830224305391312}],"sentiment":"neutral","sentiment_score":0.047465398242431026,"num_words":14,"start":2752.135,"end":2779.605},{"sentences":[{"text":"No drums at all.","start":2779.605,"end":2780.325,"sentiment":"neutral","sentiment_score":-0.13869075663387775},{"text":"Thank you.","start":2780.325,"end":2781.065,"sentiment":"positive","sentiment_score":0.5295242071151733},{"text":"No drums.","start":2785.925,"end":2786.585,"sentiment":"neutral","sentiment_score":0.26925666630268097},{"text":"No dramas at all, mate.","start":2793.49,"end":2794.4502,"sentiment":"neutral","sentiment_score":0.2591128945350647},{"text":"Thank you very much for your time.","start":2794.4502,"end":2795.9102,"sentiment":"positive","sentiment_score":0.8214992029326302}],"sentiment":"positive","sentiment_score":0.4044428806751966,"num_words":20,"start":2779.605,"end":2795.9102},{"sentences":[{"text":"See you, mate.","start":2798.6902,"end":2799.25,"sentiment":"positive","sentiment_score":0.5931371847788492},{"text":"Bye.","start":2799.25,"end":2799.75,"sentiment":"neutral","sentiment_score":0.2432624101638794}],"sentiment":"positive","sentiment_score":0.5056684911251068,"num_words":4,"start":2798.6902,"end":2799.75}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Tommy from Oakview. Annual review.\n\nChannel 1: I'm speaking.\n\nChannel 0: Good day, Mark. It's Tommy here, senior adviser from Oakview. How are you going?\n\nChannel 1: Sensational, mate.\n\nChannel 0: Sensational. Good to hear. Just giving you a call to go through that annual review if you still got time.\n\nChannel 1: Sure. I literally just got back to camp. I'm just walking at the moment. Gonna go back to my car, but feel free to start going through. I I won't have my computer in it to look at anything, but happy to keep going through it, mate.\n\nI did organize the time because this is when I'm normally back at camp, so that's fine.\n\nChannel 0: No. No worries at all. There's a few things to go through, and I'll leave a few documents with you. Just before I jump into it, may you okay for me to do the usual security check with you?\n\nChannel 1: Yeah, mate. Jump in.\n\nChannel 0: Cool. So I'm registered with Asic as adviser 1273105. Could you confirm your date of birth and address, please?\n\nChannel 1: Date of birth, ninth the first eighty\n\nChannel 0: Thank\n\nChannel 1: '6.\n\nChannel 0: you.\n\nChannel 1: Address, 7 Flinders Court, Lammermoor 4703, Queensland.\n\nChannel 0: Fantastic. Thank you for that, Mark. And the calls are recorded for training quality purposes. Is that okay?\n\nChannel 1: That's perfectly fine.\n\nChannel 0: Perfect. So, mate, I've got this annual review pack sent through to you. I know you had a bit of advice with Kyle towards the start of the year, and we're in contact with the team about Australian retirement trust rollovers. So this is\n\nChannel 1: Yep.\n\nChannel 0: really just a bit of a snapshot to shoot through to you as well as an updated ongoing service agreement. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: So I'm gonna pop that through to mark.meddings@gmail.com. Is that still okay?\n\nChannel 1: That's fine, mate. Yep.\n\nChannel 0: Cool. When you go through that, it'll have attachments with all your super performance reports, financial services guide, and so on, and then a digital authorization link off the back of that.\n\nChannel 1: Yeah, mate. No drums at all.\n\nChannel 0: Cool. Actually, before I update your details, we do have an updated system. So I'm gonna just cross reference a couple of details with you, but I just wanted to run something by you as well. The last notes I saw regarding Australian Retirement Trust did mention that you might give them a buzz to see if you can get the rollover moving along. Did you end up calling them?\n\nChannel 1: No, mate. I filed on that on my behalf there.\n\nChannel 0: No. That's okay because I've included a withdrawal form from your Netwealth, and we can actually initiate it from our end. So if you're comfortable for that to still happen, that sort of $3 to pop over there and top it up, that's actually\n\nChannel 1: Not\n\nChannel 0: included\n\nChannel 1: a drama.\n\nChannel 0: in the back as well. Is that alright?\n\nChannel 1: That's fine.\n\nChannel 0: Fantastic. Alright. Perfect. Anything in particular for this year's review that you want me to focus on?\n\nChannel 1: Yes and no. Like, I'm still waiting for advice to come back from the accounting for the business at the moment, but I'm looking at trying to do extra contributions this or or contributions in general this year.\n\nChannel 0: Yep.\n\nChannel 1: So I'm just waiting to hear back from him as to the best way to do it, how to do it. I already know my limit's $27,500 annually, but can you backdated for five years if I wanna hide some more extra money? Working through that, basically, I wanna do that because I'm not\n\nChannel 0: Yep.\n\nChannel 1: saving money like I save money, and then I lose it to bills or whatever at the time\n\nChannel 0: Yep.\n\nChannel 1: where\n\nChannel 0: Comes\n\nChannel 1: it's\n\nChannel 0: and goes.\n\nChannel 1: it's where it's good. I've I've let the money go and pay the bills. That's perfect.\n\nChannel 0: Mhmm.\n\nChannel 1: Not not contributing to my super. It's kind of frustrating.\n\nChannel 0: Yeah.\n\nChannel 1: And not saving for a house, even more frustrating. So I'm looking into this first time super saver if it's still gonna be around for a while,\n\nChannel 0: Yeah. Yep.\n\nChannel 1: sending\n\nChannel 0: And\n\nChannel 1: the\n\nChannel 0: it\n\nChannel 1: government\n\nChannel 0: still will\n\nChannel 1: that's\n\nChannel 0: be.\n\nChannel 1: in now.\n\nChannel 0: They do this thing where they tend to grandfather things, so you should still get a good bunch of years out of it, which should be alright. You do have I think the team sent you through the payment details to make contributions\n\nChannel 1: Yep.\n\nChannel 0: into Netwealth.\n\nChannel 1: Yes. They have. And I've given that to my accountant,\n\nChannel 0: Yep.\n\nChannel 1: And I've just said to him, like, this is what I've got here. What's the best way to structure these payments? How do I do it? Just so clueless to this stuff.\n\nChannel 0: Yeah. Cool. And when you organize that, we'll help you with any notice of intent to claim forms. Have you ever done a notice of intent form before?\n\nChannel 1: Nope. Wouldn't know\n\nChannel 0: K.\n\nChannel 1: what\n\nChannel 0: So,\n\nChannel 1: that is inside.\n\nChannel 0: basically, if you have let's say you're an employee of a company and they pay your super, it all goes in pretax as a concessional contribution. If you\n\nChannel 1: Yep.\n\nChannel 0: whack it in from a bank account via BPAY or EFT, it goes in as a personal contribution, and it's not claimed as a tax deduction yet.\n\nChannel 1: Of course, it's not.\n\nChannel 0: So what happens is we fill in a form, notice of intent to claim to the super fund and say, hey. I've put in 10. I would like to claim 10, please. They code that with the tax office and take out the 15% super tax. And then when you do your tax return, it'll it's all coded up to deduct that from your tax return.\n\nSo it lines it up perfectly from the super fund to the\n\nChannel 1: Beautiful.\n\nChannel 0: tax office.\n\nChannel 1: I was wondering how that worked. I thought you just put in that goes, oh, it's super easy. And he hasn't put over 27,500 in there. That's fine. Yes.\n\nMoney's\n\nChannel 0: Yeah.\n\nChannel 1: come from a\n\nChannel 0: Your\n\nChannel 1: company.\n\nChannel 0: your it depends on, like, reference dates sorry, reference numbers and how you do the transaction because an employee if you've got a company, they can put it in through reference numbers through the SuperStream system like payroll, and they can code it\n\nChannel 1: Yep.\n\nChannel 0: up as concessional, salary sacrifice, all that kind of thing. But if you're doing it from, like, a bank account that you have, it'll go in personal until you convert it. So whichever way you need it done, the accountant can can organize it. If you need those forms done, we'll prefill them for you and help you get them done.\n\nChannel 1: Yes, sir. Sensational. See, this is what I deal with you guys, because you guys know what you're doing and I don't.\n\nChannel 0: We're there to make it as easy as possible.\n\nChannel 1: Yeah. When I when I can use it, 100%, and I'm looking forward to it.\n\nChannel 0: Absolutely. Absolutely. Can I just quickly double check with you? With the the company setup so I'm just cross referencing all the details you already gave us. You've got your director of a company, and\n\nChannel 1: Yes, ma'am.\n\nChannel 0: you're on-site doing the driver operator role for a mining company.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Does the company that you're a director of, does that do training and assessing as its main?\n\nChannel 1: Yes.\n\nChannel 0: Perfect.\n\nChannel 1: Yes.\n\nChannel 0: So you still get paid, like, flat rate wages from the truck driving, and that's about a 130 k.\n\nChannel 1: Yeah. By the time the account works out, because it's still under a PSI, not a PSP. The accountant's got it set up, and he does his thing with numbers, and I've gotta pay this much money sort of thing, how it works.\n\nChannel 0: Yep. So you're\n\nChannel 1: And\n\nChannel 0: still\n\nChannel 1: it's\n\nChannel 0: under\n\nChannel 1: a\n\nChannel 0: the\n\nChannel 1: rent\n\nChannel 0: PSI\n\nChannel 1: that\n\nChannel 0: roles.\n\nChannel 1: yeah. So I'm trying to get into the PSP, but it's proving to be a little bit more difficult than I thought. I thought I'd be able to just get some work for my wife, and that would see a different stream of income coming in consistently, and that would cover it. But the accountant says if it's a partner earning an income, it's not it won't cost you as PSP.\n\nChannel 0: So you need to earn from multiple sources directly?\n\nChannel 1: So, yeah, with this this year, I will be. I'll\n\nChannel 0: Yep.\n\nChannel 1: earn probably $50.50 from two different sources.\n\nChannel 0: Okay.\n\nChannel 1: So I'm hoping that'll get me under the PSP, which it tells me it's very handy with more tax rates or creative\n\nChannel 0: Yep.\n\nChannel 1: tax tax measures I can use.\n\nChannel 0: Yeah. Well, it's much better than being under PSI because that pretty much puts you as like a sole trader, one income source, your deductions go out the window.\n\nChannel 1: Yeah. Yes. Retarded.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: if you're getting that sort of flat rate from the mining company, because I think you were saying you're doing nine days on, five days off. Is that right?\n\nChannel 1: I was I'm now doing Monday the first. I'm doing four days a week, basically, now. I do four days on-site and then one day at home.\n\nChannel 0: Four\n\nChannel 1: Now?\n\nChannel 0: days on-site, one day at home. And with the company itself, are you, like, an employee of your company? I know you're a director, but are you pulling wages, or is it all just kind of pulling in there at the moment?\n\nChannel 1: No. I'll pull pull away, Jeff, at the moment.\n\nChannel 0: Is that like a set thousand bucks a week or something? Does it fluctuate?\n\nChannel 1: Yes.\n\nChannel 0: Or\n\nChannel 1: Yeah. That's that's why I just pull out a set amount every every fortnight.\n\nChannel 0: k. So if I've got you at 01:30 with the mining company, would it be much how much would you be pulling out of that company? Yeah?\n\nChannel 1: I pull out more, but by the time the accountant does his stuff and then works it all out and balances it and whatever he does, it the last two years, they come around at 130.\n\nChannel 0: 100 and\n\nChannel 1: So\n\nChannel 0: 30.\n\nChannel 1: you're pretty safe.\n\nChannel 0: Oh, okay. So does that mean that everything from the truck driving and the training assessing all kinda gets mixed in?\n\nChannel 1: Everything goes in the one.\n\nChannel 0: Okay. That makes sense. Cool. Gotcha. Gotcha.\n\nChannel 1: Yep.\n\nChannel 0: Now it makes I thought it was one thirty plus company drawings on top. No.\n\nChannel 1: Oh,\n\nChannel 0: That makes perfect\n\nChannel 1: fuck.\n\nChannel 0: sense.\n\nChannel 1: Fuck.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: was like,\n\nChannel 1: wish.\n\nChannel 0: what? You're on 200?\n\nChannel 1: If if I could do that, that'd be I wouldn't be worried about first time super saver.\n\nChannel 0: No. No. No. So main goals are still obviously saving for the house, which I think what you were aiming for around mid next year would be ideal.\n\nChannel 1: Yep. Yeah. Well, I was aiming for mid last year, but\n\nChannel 0: It just pushes\n\nChannel 1: running\n\nChannel 0: forward\n\nChannel 1: a company,\n\nChannel 0: a year\n\nChannel 1: you\n\nChannel 0: at\n\nChannel 1: don't\n\nChannel 0: a time.\n\nChannel 1: seem to make you don't make as much money as everyone thinks you do.\n\nChannel 0: No. Not for the first bloody five years or so at least.\n\nChannel 1: Oh, oh, no. It's retarded.\n\nChannel 0: It always takes a few years to build it up, and then all of a sudden, there's a profit there eventually, but everyone thinks, oh, there's a tradie there pulling in a couple $100. Yeah. It all goes in taxes and fees and all the rest of it.\n\nChannel 1: Yeah. Yeah. They just they just see, oh, come here. No. You must have plenty of money.\n\nChannel 0: One\n\nChannel 1: Yeah.\n\nChannel 0: day,\n\nChannel 1: Of course\n\nChannel 0: mate.\n\nChannel 1: I do.\n\nChannel 0: One day.\n\nChannel 1: Yeah. Yeah. 100%. But now I'm working on another stream another income stream at the moment. I've just gotta talk to my insurance broker how that's gonna work because it's a a different type of training.\n\nIt's it's training, but it's it's more my wife's a sports trainer. So\n\nChannel 0: Yeah.\n\nChannel 1: sports trainer sounds like it fits perfect in training. On paper. It looks\n\nChannel 0: Yeah.\n\nChannel 1: awesome. Getting to the nuts and bolts of it, it's actually like a like a a lower class physio. It's it's sort of what it would be. So she if you watch can you watch NRL?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yes. So she'd be one of the orange shirts running out doing the the leg\n\nChannel 0: Gotcha.\n\nChannel 1: doing the leg stretches, massages, fitness plans. Yeah. Doing that sort of sports training different to sitting in a machine training. It's more of a medical thing. So I've just gotta talk to the insurance broker how I'm gonna get that covered.\n\nIt's\n\nChannel 0: Yeah. So it's not doing online courses. It's not doing gym stuff. It's all out there on the field, so to speak.\n\nChannel 1: it's out there on the field. It's on the sidelines. It will be in the gym running courses for the for the players and strengthening conditioning classes and stuff like that for them, but it's a it's a different type of training. It's not, oh, we're gonna blow some dirt up and get rid of it. It's we're actually dealing with people on a medical level now.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: So\n\nChannel 0: I'm\n\nChannel 1: I've\n\nChannel 0: just\n\nChannel 1: just\n\nChannel 0: writing\n\nChannel 1: gotta\n\nChannel 0: it down.\n\nChannel 1: I've just gotta work out how that's gonna work with the insurances and whether I've got a whether I'll have to set up another entity just for that or whether I can run it all under the same or whether if we run a whole separate policy. Yeah. It's another thing. It's only just come to, like, the last probably three days we had someone approach us to take on some of Rugby Union Queensland's work.\n\nChannel 0: Yeah. Cool.\n\nChannel 1: Yeah. It's cool, but it's\n\nChannel 0: Trying to figure out the logistics of all the\n\nChannel 1: I\n\nChannel 0: insurances\n\nChannel 1: I just\n\nChannel 0: and everything in the background, though.\n\nChannel 1: yeah. And then how the actual logistics are gonna work. Like, one week, we might be in Townsville. The next week, we might be in Brisbane. Like,\n\nChannel 0: Yeah.\n\nChannel 1: I I just I just don't know how that's gonna work yet. So I've gotta gotta get them to get a plan to me and get a bit more sorted.\n\nChannel 0: Yep. Definitely a few things few things\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: there's\n\nChannel 0: work out\n\nChannel 1: what?\n\nChannel 0: the king's of.\n\nChannel 1: Yeah. Yeah. I need I sorta need a plan for them to give me a plan what they want and a roster as to where the expectations are to be, and then we can and then I want, like, like, a position description as to what they want, and then I can\n\nChannel 0: Yep.\n\nChannel 1: take that from my insurance company insurance broker and go, this is what I'm actually doing. I'm not just not sports training. This is what we're doing. So\n\nChannel 0: Yeah.\n\nChannel 1: few\n\nChannel 0: Because you've\n\nChannel 1: little things\n\nChannel 0: got enough\n\nChannel 1: while\n\nChannel 0: on\n\nChannel 1: I'm going.\n\nChannel 0: your plate bouncing between sites and everything, mate, and then you better try and work that out with the missus.\n\nChannel 1: Yeah. Yeah. It's fun. And then we've got, obviously, two kids at home. Got a third one that's just broken up with the boyfriend who's moving back in.\n\nSo, yeah, it's great. There's there's a\n\nChannel 0: Jeez.\n\nChannel 1: bit going on at the moment.\n\nChannel 0: Yeah. But that's the\n\nChannel 1: Yeah.\n\nChannel 0: thing too. Like, I I don't wanna be that guy trying to predict the future, but you're getting through to the late thirties now, and there's gonna be this weird push. I see it all the time with the guys that they're breaking into all these different areas, and it's just really hard slog because the kids are still not old enough, and the work hasn't settled itself enough. But then by the mid forties, they're kinda laughing. You know what I mean?\n\nAnd they they look back and go, jeez. That was a tough slog. But\n\nChannel 1: Yes.\n\nChannel 0: four or five years from now, who knows where you could be?\n\nChannel 1: Yeah. That's right. And that's sort of what I'm trying to keep in mind at the moment. I I I know what I do and how to do it, and I I know I can do it well because I know people some people can't do what I do on the site. And people tell me all the time I had to do that, and I'm just like, well, I've just done my fucking job.\n\nI read the paperwork and I filled it out and it's done. Like, what's so hard? But yeah.\n\nChannel 0: I don't know.\n\nChannel 1: It's hard. It's hard dealing with meander\n\nChannel 0: Is\n\nChannel 1: falls,\n\nChannel 0: it the\n\nChannel 1: I guess.\n\nChannel 0: kids?\n\nChannel 1: But\n\nChannel 0: Is it the kids, the younger ones that just aren't clicking with it the way you are, or is it everyone?\n\nChannel 1: so the the younger kids get the aspect of how to do the digital training.\n\nChannel 0: Yep.\n\nChannel 1: They don't get the aspect that they've got to read every single line to make sure they're they're doing what they need to\n\nChannel 0: Yep.\n\nChannel 1: do. And then I've got the older guys who are happy to sit there and try and take four hours and five hours to do something and read every single line and get it right, but they don't know how to drive the app to do what they needed to do. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm sort of in that weird middle one. I'm not a I'm not a Gen Z. I'm not a what what's the what's the new one? A a z or alpha or whatever the fuck they're calling themselves. I'm sort of that\n\nChannel 0: Yeah.\n\nChannel 1: weird\n\nChannel 0: Those\n\nChannel 1: in\n\nChannel 0: two.\n\nChannel 1: the in in the middle.\n\nChannel 0: That hybrid millennial Gen X so\n\nChannel 1: So\n\nChannel 0: you can kind of\n\nChannel 1: yeah.\n\nChannel 0: do technology\n\nChannel 1: It's it's\n\nChannel 0: and tools with the hands.\n\nChannel 1: yeah. It's it's weird. So and and because there's probably three of us that are in that field, and I've got one who's got, like, higher up access who can help me out, and she deals with all that sort of stuff. And then me and this other trainer on another site. So I'm on one site, and we sort of deal with everyone trying to help them all out.\n\nAnd I've got another trainer who I bounce ideas off. And between the three of us, it's we're just all going out and going, how the fuck is this company surviving even though they're a multinational company? Like, what the fuck?\n\nChannel 0: Yeah.\n\nChannel 1: But it is what it is, mate. Why don't we just turn up, get paid, try not to think too much about it, and just go home?\n\nChannel 0: Well, fingers crossed. I feel like you're in that little space where the competition is not gonna be that hard.\n\nChannel 1: There is\n\nChannel 0: Getting\n\nChannel 1: there\n\nChannel 0: it\n\nChannel 1: is\n\nChannel 0: organized,\n\nChannel 1: none.\n\nChannel 0: and, yeah, no one's gonna be able to sort of keep up and do both. So, again, give it some time, and, again, close your eyes, wake up in a few years. You'll be sweet.\n\nChannel 1: That's the plan. So but, yeah, that's my biggest goal at the moment is purchasing a\n\nChannel 0: Yep.\n\nChannel 1: house. I've got an absolutely terrible credit rating because I've been bad at paying bills because I'm too busy at work.\n\nChannel 0: Yeah. I did see there was something about a credit card that you'd sort of paid off, but it stays on the credit file for a little while. So you're just waiting for that to click off.\n\nChannel 1: Yep. So that'll be April\n\nChannel 0: Yep.\n\nChannel 1: next year. That'll fine. That'll click off.\n\nChannel 0: Okay.\n\nChannel 1: So, yeah, I'm just waiting for that. Other than that, I think everything should be fine. So once that clicks off, and then I'll probably have to wait another twelve months or something, I guess, to show the credit ratings coming back up. So that's what I'm right now, I'm focusing on trying to keep on top of the book work, which I'm struggling with. But\n\nChannel 0: Yeah.\n\nChannel 1: I'm trying to keep on top of that at the moment.\n\nChannel 0: So I think that's\n\nChannel 1: And\n\nChannel 0: what plays into\n\nChannel 1: then\n\nChannel 0: what you were saying about struggling to build up for the house deposit and that kind of thing because it's not just a simple way just come in, put it in a separate bank account. You've got a lot\n\nChannel 1: oh,\n\nChannel 0: of\n\nChannel 1: that'd\n\nChannel 0: moving\n\nChannel 1: be awesome.\n\nChannel 0: parts going on.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Look. You can put some into your super first time super saver scheme, get a bit of a tax deduction, but the bookkeeping is the most important thing. And how many years into the business are you at the moment?\n\nChannel 1: I'll be three years in October.\n\nChannel 0: Three years. Yeah. So you've gone through those first periods of, you know, GST and BAS statements and doing\n\nChannel 1: Oh,\n\nChannel 0: tax\n\nChannel 1: fuck.\n\nChannel 0: returns and all that. It definitely does\n\nChannel 1: Yeah.\n\nChannel 0: settle down. And once you get a bit of a smooth running, because you've got three sources potentially to try and iron out,\n\nChannel 1: Yep.\n\nChannel 0: that'll settle down. And then you all of a sudden have a nice big pile of cash there for a couple of years, and that'll go towards house deposit. So, yeah, a bit of forced savings is good, but it does even out after a while, so I wouldn't put it all away if you need to\n\nChannel 1: Yeah.\n\nChannel 0: pile it into some cash as well. You know? Do a bit of both.\n\nChannel 1: Yep. Yep. Now that's cool.\n\nChannel 0: Cool. Mate, I'll keep everything else nice and simple for the other side of things. I mentioned before just doing that bit of a top up for your other super fund for the insurances.\n\nChannel 1: Yep. Now with that,\n\nChannel 0: Yeah.\n\nChannel 1: what do I need to do to get insurances through you guys? So I got Stonewall last time. I went to go do it because of the sleep apnea is what I got told. Don't even bother. You've got insurances already.\n\nKeep them there. Rather than doing this to and fro with ART all the time, what\n\nChannel 0: Yes.\n\nChannel 1: do I need to do to get insurances with you? Or can you guys look at the insurances and go, mate, you got a good deal. It's not worthwhile. Like, I'm just this this tune and from from ART to use guys is I've just told you about all the moving parts and this is gonna be another moving\n\nChannel 0: Just\n\nChannel 1: part.\n\nChannel 0: another\n\nChannel 1: Yes.\n\nChannel 0: headache.\n\nChannel 1: You yes. You guys are managing it, but it's still something that's gonna be sitting in the back of my head going where's ART yet? And and then trying to remember to do that, which honestly, I always forget. It's like, yep. I've gotta do it, and then I forget, and then I see a view in an email or something like that.\n\nLike, a newsletter might come through, and I'll be like, oh, fuck. I've gotta do that.\n\nChannel 0: Yeah.\n\nChannel 1: So I don't know if you guys have got access to look at what insurances I've got or if I need to do something for you\n\nChannel 0: I can\n\nChannel 1: to\n\nChannel 0: see\n\nChannel 1: see\n\nChannel 0: it in\n\nChannel 1: what\n\nChannel 0: front of me.\n\nChannel 1: yeah. So have you got anything to do with insurances at all?\n\nChannel 0: Yeah. Yeah. I do a lot of the insurance advice.\n\nChannel 1: Oh, beautiful. Because, yeah, the the only reason ART is there is because when I come to you guys, they said to me, because I've got sleep apnea, don't even bother about trying to change it because you've got insurance there. We'll leave it there. We'll leave it topped up at 10,000 or whatever it was when they drew the money out. So\n\nChannel 0: Yeah.\n\nChannel 1: I know when I got that insurance set up, I was under a corporate insurance. And then when I left that company, I just said the ART. I don't care what it costs. I like what's there. I'm gonna keep the same.\n\nAnd that's what I've done. I haven't changed anything. I've just that's been the same insurance policy since 2000 when I start mine in 2008. So nearly eighteen years.\n\nChannel 0: Eighteen years with the base default policy pretty much.\n\nChannel 1: Pretty much. Yep. So\n\nChannel 0: Okay.\n\nChannel 1: 2008, I started mining. ART actually bought people to site and set all that up. So and then\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: you've\n\nChannel 1: just\n\nChannel 0: had that\n\nChannel 1: went\n\nChannel 0: for\n\nChannel 1: out\n\nChannel 0: quite a while.\n\nChannel 1: I've had that for ages yeah. Yeah. Quite a while. And I just haven't changed it because when I come to use guys, I went, alright. Let's move the insurances over and have everything fall into one.\n\nChannel 0: Yep.\n\nChannel 1: And I got I got told don't do it because of this medical condition. So which I as far as I'm concerned, I no longer have. I've lost weight. The snoring stops. I'm calling to my wife anyway.\n\nThe snoring stopped.\n\nChannel 0: Nice.\n\nChannel 1: She said when I'm sleeping, it doesn't sound like I'm gasping for air or anything like that. It's just\n\nChannel 0: Yep.\n\nChannel 1: dead quiet. She's actually gotta check to make sure I'm still breathing. So I'm assuming the sleep apnea is gone after losing a bit of weight. So I'm just wondering, do I need to go do another sleep study to get this confirmed or or what I need to do?\n\nChannel 0: So I'm glad I've got you tonight. I've got a couple of ideas and thoughts here. So first port of call is you got a half $1,000,000 worth of life and disability insurance with ART, little bit of income protection.\n\nChannel 1: Yep.\n\nChannel 0: It's got no exclusions or anything on it for any preexisting conditions.\n\nChannel 1: Mhmm.\n\nChannel 0: So that just means claims easy because they're not gonna, oh, you've had this, you've had that, knock you back kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: In order to we could potentially transfer it, which transfer terms packages up that policy and moves it across to another super fund.\n\nChannel 1: Yep.\n\nChannel 0: Now I know an identical super fund to Netwealth, which I use heavily here at Oakview, Hub twenty four offers transfer terms, and it's got the exact same investment options for slightly cheaper fee.\n\nChannel 1: Yep.\n\nChannel 0: If that's a goer, I don't wanna waste your time and open up super funds and move things around. But if that's a goer, I could potentially look at trying to transfer and get it all into one fund, mimic the same investments. You'd you'd switch funds once, but it'll be two into the one.\n\nChannel 1: Yeah. And that's what I'm looking for is just, one, because I'm gonna start making contributions very shortly.\n\nChannel 0: Yep.\n\nChannel 1: And then we're not worrying about transferring money from here to there. I mean, I'm happy with Netwealth, but if there's not an option there for me to have the one and I've gotta keep the two, but you've got an option where I can have the one and I'm gonna get similar return, I'm pretty open to that. And you guys are managing all that for me anyway. So\n\nChannel 0: Yeah.\n\nChannel 1: whatever\n\nChannel 0: We've got\n\nChannel 1: network\n\nChannel 0: a lot of clients\n\nChannel 1: we're getting.\n\nChannel 0: in this kind of it's like a sister super fund. They kind of compete with each other. One's red, one's blue. And the the red one offers insurance transfers, and Netwealth is good for trading. So they're pretty well identical, but different\n\nChannel 1: Yep.\n\nChannel 0: features.\n\nChannel 1: Yep. That's that's fine. So when I when you look at my risk profile, I'm in high\n\nChannel 0: Yep.\n\nChannel 1: risk at the moment anyway because at the end of the day, I've still got another thirty years of work. So I don't give a shit if I lose $20.30, $40 tomorrow because at the end of the day, I've still got thirty years to build it back up. If I\n\nChannel 0: Yeah.\n\nChannel 1: would say fifty five, sixty, I might be a little bit more dubious, but right now, don't care.\n\nChannel 0: And you already had a bit of an update from Kyle in January for an updated portfolio that knocked out the one that was underperforming, the Bennelong option, and he's got another one in there that's doing pretty well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So I don't have to really jiggle around the investments much. I think I can keep it the same high risk portfolio\n\nChannel 1: Yep.\n\nChannel 0: just to switch a platforms potentially.\n\nChannel 1: Cool. I like it.\n\nChannel 0: I don't think we should like, I can call every insurer under the sun, research them all. What I can see here in the fact find before then was something about sports related shoulder and ankle injuries, that type of thing.\n\nChannel 1: Yep.\n\nChannel 0: I think if there was anything to do with joints, screws, metal plates, surgeries, you tend to get exclusions for that type of thing. I would probably rather look at the transfer than that way, but what's your thoughts?\n\nChannel 1: I'm not worried about whatever comes out for that type of insurance. I've got health insurance to cover me for that sort of stuff anyway.\n\nChannel 0: Yep.\n\nChannel 1: The only one I'm really wanna keep would be the TPD in the lot. That's the only thing I was really concerned about. I've I've got health insurance. I don't have income protection. I I don't have that other than what's in the super, but at the end of the day, I also don't have enough money there to to last me fucking ninety days in today's climate either.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: whatever. I'm not concerned. If if I've gotta go without for a couple of weeks, whatever. It is what it is. The biggest thing for me is that TPD and life, because I am in in a high risk industry as they call it in coal mining\n\nChannel 0: Yeah.\n\nChannel 1: or in in mining in general. And the only reason why I kept that same policy with them was because at the time I was doing I was dealing with explosives, and ART were happy to have me covered for that, which I found really bizarre. So that's why I've just continued on with that as well because I am ex shot fire now. I don't do it anymore, but I am I used to be a shot fire so that's why I just continued that insurance on.\n\nChannel 0: Are you dealing with any explosives now?\n\nChannel 1: Nope.\n\nChannel 0: K.\n\nChannel 1: Nope. Don't deal with any don't do any training near explosives. Don't do anything with them at all. Don't even have a ShopRise license anymore. My store handling transport has all expired.\n\nI I don't deal with anything anything at all. I don't even have a dangerous goods license anymore.\n\nChannel 0: Yep. Okay. I'm gonna write this down. No dangerous goods. What was what did you call it before?\n\nShot fire?\n\nChannel 1: Yeah. Shot fire. So I used to be the I blow the dirt up, set all the bombs off.\n\nChannel 0: Yeah. Nice. That's\n\nChannel 1: Yeah.\n\nChannel 0: fun.\n\nChannel 1: Yeah. Well, it it's good, but then when they started having issues with Afghanistan and then I think it was Beirut that blew up when they the blew up at the harbor and flattened the town. I just\n\nChannel 0: Yeah.\n\nChannel 1: went into this. This is not gonna be good, and it really wasn't. And I just handed everything in and went, I'm not not interested anymore.\n\nChannel 0: Or something you wanna be around?\n\nChannel 1: I I enjoy that work. I I really do. And I enjoy training people in that, but it's just an industry that's getting too heavily compliance and restrictive now. It's yeah. Not gonna get anything done.\n\nThere's not it's not what it used to be. So I'm just not interested in it. So I'm just staying away from it.\n\nChannel 0: K. I have a few thoughts. When you've got your split between what you're doing on-site at the moment versus training assessing, what would be the percentage split? 50\n\nChannel 1: Pretty\n\nChannel 0: 50,\n\nChannel 1: much all of my work is training assessing. Like,\n\nChannel 0: 90\n\nChannel 1: everything I do is training assessing.\n\nChannel 0: 10?\n\nChannel 1: Some of it's on-site, some of it's off-site. So I would say let let's work with the, say, Monday to Thursday on-site and then the Friday off-site. So you'd be looking at five twenty, so eighty twenty.\n\nChannel 0: Eighty twenty. When you're doing the training tool usage, or is it all classroom?\n\nChannel 1: On-site, there's everything that's classed as a high risk task is is simulated because\n\nChannel 0: Yep.\n\nChannel 1: we don't expose trainees to real high risk scenarios. We simulate them on-site.\n\nChannel 0: Yep.\n\nChannel 1: So like any of our gas monitoring, working in confined space, working at heights, operating forklifts, all that sort of stuff is simulated in a controlled environment. So a lot of that's classroom based.\n\nChannel 0: Okay.\n\nChannel 1: When I'm doing training off-site and working for an RTO, that's done in the fifty fifty ratio. So fifty fifty so 50% is done in the classroom, and then we've got to go out and do practicals to ensure that the trainee understands how to use the the machines or the tooling safely. They understand the risks. They know how to implement controls. So we we go and do it.\n\nIt's still a very controlled scenario because\n\nChannel 0: Yeah.\n\nChannel 1: I'm the one that's controlling everything.\n\nChannel 0: That'd be pretty\n\nChannel 1: But\n\nChannel 0: rare to go out to the offsites.\n\nChannel 1: the very rarely go out to off-site. Anytime I go off-site is when I'm doing if I have to do a tree lopping course, which I haven't done one of them in I don't know how long. I normally just do operate and maintain chainsaws. This is all I've done lately. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: K. So the biggest thing always comes down to occupation rating.\n\nChannel 1: Yep.\n\nChannel 0: When you were doing explosives, you can't even do a transfer terms because it puts you as a high risk, and they click\n\nChannel 1: That's\n\nChannel 0: it\n\nChannel 1: right.\n\nChannel 0: off. Training and assessing for most of it is good. When you're driving trucks, what are you driving?\n\nChannel 1: Sometimes it's a coal mining truck. Sometimes it's a road train. Sometimes it's a HR. Sometimes it's a semi trailer. Sometimes it's a medium rigid truck.\n\nIt just depends on what training's required at that point in time.\n\nChannel 0: Yeah.\n\nChannel 1: So it could be a dump truck. It could be a road train a road going truck or it could be an off road haul truck. So\n\nChannel 0: Gotcha. Gotcha. K.\n\nChannel 1: my area of expertise is not off road haul trucks. My area of expertise is within the civil mining space. So smaller civil sized equipment that we would use to build roads, dams, levees, suburbia suburban streets, stuff like that on\n\nChannel 0: Okay.\n\nChannel 1: the mine sites. That's my expertise. That's what I angle in. I do hold the skills to train in the big dump trucks and has been called on occasionally to do it, but whole track pass outs, I think I've done maybe 20 in eighteen months. And\n\nChannel 0: Yep.\n\nChannel 1: in that eighteen months, I've probably done 3,000 assessments.\n\nChannel 0: Gotcha.\n\nChannel 1: So so it's very minute to have trainers for that. But occasionally, they do call me in and I am required. But it's like I said, I've done probably 3,000 assessments in the last two years, and probably 20 of them have been haul trucks.\n\nChannel 0: Yeah. I think the way I'm trying to push it towards it for an occupation rating is if we can get something more towards the training and assessing space. The fact that there's no dangerous goods or shot fire license anymore is pretty good. Simulated scenarios, that's pretty\n\nChannel 1: Yep.\n\nChannel 0: good too.\n\nChannel 1: Yep.\n\nChannel 0: Look. It it's you've probably got one of the trickiest occupations to assess.\n\nChannel 1: Potts retarded. It's not\n\nChannel 0: It's\n\nChannel 1: good at all.\n\nChannel 0: it's pretty crazy. I'm gonna talk to a few and see what I can come up with.\n\nChannel 1: Yep.\n\nChannel 0: Can't promise anything. It's just one of those fun things where I get to go and get on the blower and anonymously negotiate with 10 different insurance people and see if I can find anything that kind of fits.\n\nChannel 1: Yep. Yeah. That's fine. Like, if you if you need more information as to the type of training I do, I mean, I can I can tell you, like, there's there's excavators, there's loaders, there's graders, there's dozers? That's that's the main guts of my training are them five.\n\nChannel 0: Yep.\n\nChannel 1: But like I said, there is light vehicles, there is road trains. So it it is it's not straight, but it is all training assessing for people on their machines. It's not me operating them. I'm training and assessing people on their machines.\n\nChannel 0: Yeah.\n\nChannel 1: So my whole job is training and assessing. It just varies to what's required at that point in time and what's required for what job.\n\nChannel 0: Absolutely. I'm thinking it's weird when you've got a split between the driving a truck and training and assessing because\n\nChannel 1: Well, I don't\n\nChannel 0: it sounds like two occupations.\n\nChannel 1: yeah. So I don't drive the truck. So, yes, I drive the truck to show the trainee where they need to go and how they need to drive the truck on-site. That is\n\nChannel 0: Gotcha.\n\nChannel 1: my\n\nChannel 0: You're\n\nChannel 1: expectation.\n\nChannel 0: not hauling for an entire day call out of a\n\nChannel 1: Nice.\n\nChannel 0: for an entire day, that type of\n\nChannel 1: Nice.\n\nChannel 0: thing.\n\nChannel 1: I do one run, and I go, this is your expectation. I do one run, and then I get out, and I sit in the passenger seat, and they drive.\n\nChannel 0: Yep.\n\nChannel 1: So I'm not in there. And then if they can nail what I need them to nail in an hour and a half, all good marks. If it takes them two days, well, then I've gotta sit in the seat beside them for two days. I mean, it it just it is what it is, but I'd I'd set the expectation with me doing the first run, and then that's it. I'm here to assess you because you're coming here with previous skills.\n\nWhy we go? Show me what you can do. So that's that's what I normally do. I I don't actually sit there and haul myself.\n\nChannel 0: Gotcha. Gotcha. Okay. So my first step's gonna be really good thing that we've got all these calls recorded because I'm gonna spin out the old AI at the back of it for all this information that you've just told me. Because I've I've noted down, like, 80% of what you told me, but I'm gonna sit there.\n\nI'm gonna read over about four or five times. And then we're gonna call around and see if we can get you a good occupation rating with somebody.\n\nChannel 1: Yep. Yep.\n\nChannel 0: If I need any more info, we'll definitely get in touch. I don't even wanna touch anything sort of health related at the moment because, yes, sleep apnea, that's could be pretty well sweet, or maybe they want a sleep study, whatever it is. Transfer terms, you don't generally need that for that. So that's my first port of call is if I can skip all that, I will. And then\n\nChannel 1: Yep.\n\nChannel 0: I'm just gonna sort of chop down the line first, get occupation sorted. If I can get you transferred, we're golden. If I can't, then we go into a bit more depth with health as well.\n\nChannel 1: Yep. That's cool.\n\nChannel 0: Cool. So I'll do the research first. I'll get the team to get in touch with you and maybe get some extra info from you. If we can consolidate, we'll do that. If not, I'll let you know if we if there's just no chance.\n\nAnd what\n\nChannel 1: Goodbye.\n\nChannel 0: the what they tell me, basically, when I talk to the head underwriters is what the range is and saying if we get this information or he ends up doing this, then it's good. If not, we're looking at a middle issue or a full decline, and I can just get that range of outcomes for you.\n\nChannel 1: Yeah. No. That'd be cool. Thank\n\nChannel 0: Cool.\n\nChannel 1: you.\n\nChannel 0: I won't give you anything about how much to contribute to your super or anything like that because you're obviously talking to your accountant at the moment. We'll\n\nChannel 1: Yep.\n\nChannel 0: just look at the insurances, the consolidations, keep the portfolio pretty well the same. How does that\n\nChannel 1: Yeah.\n\nChannel 0: sound?\n\nChannel 1: Yeah, mate. That's that's perfectly fine. What what would you recommend what what would be your advice for contributions to to be going in? Like like, what would your expectation be from turning over okay. Let's as a person personal income, I'm sitting there in that one thirty, one forty.\n\nIf I wanted the company to make payments on my behalf, I think it's, what, 10 and a half or is it 11% now? I've got it at the company's meant to pay.\n\nChannel 0: They've gone up to 12 now.\n\nChannel 1: Oh, fucking Jesus. I knew it was going up soon, but holy.\n\nChannel 0: It went up half a percent a year from nine and a half to 12 over five years, Now everyone's getting a bit of a monster from there. That's the thing is when you got a company in that, those first few years are a little bit of a spin your tires in the mud getting it all sorted. But if you can get up to 12% at some point regularly, that's pretty good.\n\nChannel 1: Yeah. Well, I was I was\n\nChannel 0: So\n\nChannel 1: trying\n\nChannel 0: 15\n\nChannel 1: to aim for\n\nChannel 0: six.\n\nChannel 1: more than yeah. I was trying to aim for more than that myself. I wanted to try and maximize it. And then the other thing I wanted to look at was the I've done a bit of reading in the first time super saver scheme, and when you pull the money back out, they tax again and it's classed as an income, and you get taxed on whatever bracket you happen to fall into.\n\nChannel 0: With a bit\n\nChannel 1: So,\n\nChannel 0: of an offset. Yeah.\n\nChannel 1: yeah, yeah, with that offset depending on what you paid putting it in. So but I didn't know do you know much about how that works?\n\nChannel 0: A little bit. Yeah. I can crunch some numbers for you.\n\nChannel 1: Yeah. No. So what I was looking at was you can take a maximum withdrawal of $50. In the bracket I'm in now, I'm gonna have to pay around that 40¢ in the dollar as a personal\n\nChannel 0: Yeah.\n\nChannel 1: income, personal tax. So I think it's 44, I think, or whatever. It's something around there anyway. Now if I was to pull that $50 out, then they go, oh, you've gotta pay 44¢ on the dollar. You've already paid 7 and a half putting it in.\n\nSo you've gotta pay 37 and a half pulling it out. Does that come out of that $50, or is that pulled out on top and then, say, 75 has come out or something because they want their 37¢ in the dollar? Or do and I get my 50? Or does do I pull the 50 out, then they take their 37¢ in the dollar, and I'm left with $15?\n\nChannel 0: So it depends on how the contributions are made because you can do it two different ways. This is where it gets painful.\n\nChannel 1: Copy.\n\nChannel 0: Is the government don't make it easy, but it's a it's a step through step through of ruling. So anything that's before tax, you withdraw that with a 30% tax offset. So\n\nChannel 1: Yep.\n\nChannel 0: you pay 15% on the way in, and you\n\nChannel 1: Yep.\n\nChannel 0: get a 30% offset on the way out.\n\nChannel 1: Yep.\n\nChannel 0: If you're putting it in there after tax dollars, then you've already paid tax on the after tax dollars.\n\nChannel 1: Yeah. So, otherwise, they're gonna get that money.\n\nChannel 0: Yeah. And you get that little 15% difference. You don't get the full lovely 22% because 15 versus 37 and Medicare on top. You'll get a\n\nChannel 1: Yeah.\n\nChannel 0: 15% difference, which will help a little\n\nChannel 1: Yep.\n\nChannel 0: bit, plus a bit of earnings on top can come out. A\n\nChannel 1: Yep.\n\nChannel 0: little bit of interest can come out as well.\n\nChannel 1: Yep. So in that so if it goes in there and I'll set it up the way it's gotta be set up, that I've paid tax on it before it goes in there, before I put the money in there, the tax is being paid on it, and I wanna pull out 50, I get the full 50. And then but if I pull put it in before tax and I wanna pull the 50 out, will they take out extra money to take their tax or will they take the tax out of that 50?\n\nChannel 0: So they'll do that thing where it gets handled in your tax return. So you might get that lump sum, then all of a sudden, it's like, hey. This has been added to your income minus an offset kind of thing. That's where it\n\nChannel 1: Yep.\n\nChannel 0: kind\n\nChannel 1: Okay.\n\nChannel 0: of goes out in the wash for your tax return because some of the tax gets handled within the funds, some gets handled at tax time.\n\nChannel 1: Yep.\n\nChannel 0: That's the\n\nChannel 1: No.\n\nChannel 0: that's\n\nChannel 1: That's alright.\n\nChannel 0: the kind of painful bit.\n\nChannel 1: No. That's\n\nChannel 0: But\n\nChannel 1: alright. I\n\nChannel 0: yeah.\n\nChannel 1: just thought because you need government mission to touch your own money anyway. I thought that would have just taken it then and there. I didn't think they'd just wait till the next financial year to go, hey. Surprise. You now owe us another $35,000.\n\nChannel 0: That's the way the government does it, though. You know, this whole idea of, like, tell us how much you think you owe us, and if it's right, we'll give it to you. And if not, we'll give you a bill.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: They'd rather you figure it all out for a year. Yeah. Tell us all the things that happened to you in a year and how you think it went, and then we'll just crisscross some i's and t's and see what the actual figure is.\n\nChannel 1: Yep. Cool. So you love the\n\nChannel 0: Makes\n\nChannel 1: Taxman\n\nChannel 0: sense?\n\nChannel 1: just as much as we all do then, by the sound of that?\n\nChannel 0: Yeah. Yep. Alright, Mark.\n\nChannel 1: Yep.\n\nChannel 0: So we'll talk more about the Super Saver scheme as we go as well. I'll do the research on the insurances.\n\nChannel 1: Cool. Thank you.\n\nChannel 0: Contributions wise, yeah, if you can get it 12% at some point would be good because I'd hate to see someone earning good coin getting less than their super than the McDonald's worker.\n\nChannel 1: Yeah.\n\nChannel 0: I've seen\n\nChannel 1: Well, I\n\nChannel 0: that\n\nChannel 1: haven't\n\nChannel 0: go\n\nChannel 1: made\n\nChannel 0: wrong\n\nChannel 1: it.\n\nChannel 0: too many times.\n\nChannel 1: I haven't paid anything since I started the company.\n\nChannel 0: Yeah. And it's fine for a few like I said, the first three to five years is set up point. It's just you don't\n\nChannel 1: Yep.\n\nChannel 0: wanna be 48, 49, and being like, oh, I better start.\n\nChannel 1: Yep.\n\nChannel 0: That's when it's hard to catch up. Five years in your thirties is fine. Anyone can catch up with that with a bit\n\nChannel 1: Yep.\n\nChannel 0: of high growth and some extra contributions. No problem\n\nChannel 1: Yep.\n\nChannel 0: at all.\n\nChannel 1: Yep.\n\nChannel 0: K? So that document that I emailed through to you, that's got that rollover form, service\n\nChannel 1: Yep.\n\nChannel 0: agreement, financial services guide.\n\nChannel 1: Yep. Beautiful.\n\nChannel 0: Everything I do insurance wise, I'm actually going on bloody paternity leave next month.\n\nChannel 1: Oh, cool.\n\nChannel 0: Got my third on the way. I've got two boys and I've got a girl coming in June, so I'll I'll\n\nChannel 1: Oh,\n\nChannel 0: be\n\nChannel 1: nice.\n\nChannel 0: taking two weeks off.\n\nChannel 1: Oh, I need two weeks.\n\nChannel 0: I'll be I'll take a little bit more afterwards when I'm more used to the wife.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Initially, it's just, you know, make sure the house is sorted. Her mom comes for a month, and we're all good. But I'll try and get all this sorted with you before I go because, obviously, end of financial year contributions, insurances,\n\nChannel 1: Yep.\n\nChannel 0: all that fun stuff. If not, the insurances we might finalize in July.\n\nChannel 1: Yep. No. That's fine.\n\nChannel 0: Cool.\n\nChannel 1: Yeah. That's fine. I mean, they've\n\nChannel 0: Alright.\n\nChannel 1: they've been sitting there now for this long. I'm not not worried about another month. That is what it is. It's\n\nChannel 0: Yeah. And,\n\nChannel 1: fine.\n\nChannel 0: look, I'll do my due diligence to make sure I'm as careful as possible to actually get a a good idea. I don't wanna waste your time. And then\n\nChannel 1: Yep.\n\nChannel 0: when we ask you for extra information, that's because we actually need it at that point. But anything I can save time wise for you, I'll I'll skip.\n\nChannel 1: Yeah. No. Cool. No dramas at all. Thank you.\n\nChannel 0: Cool, Mark. Talked about a few different things, but any questions so far?\n\nChannel 1: No, mate. No. You've covered it all. It's been good.\n\nChannel 0: Perfect. Alright. I'll leave that email pack with you. If you have any trouble with the old DigiSign, let us know. It's pretty straightforward as a stamp where you can hit the button and draw your signature on there.\n\nChannel 1: Yep.\n\nChannel 0: You could download a signed\n\nChannel 1: Yep.\n\nChannel 0: copy. There'll be a pop up button for that at the end. Outside of that, you've got some work for me to do and a bit of research, so I'm gonna go dive into it.\n\nChannel 1: Thank\n\nChannel 0: And\n\nChannel 1: you.\n\nChannel 0: I will definitely be in touch over the fortnight for some extra info and then getting you booked in again with me.\n\nChannel 1: No dramas at all, mate. Thank you very much for your time tonight.\n\nChannel 0: No worries. Last question I've got before I leave you let you go. Estate planning wise, because I've just got to touch on that. Did you end up putting a will in place? Cool.\n\nI'll include a bit of a reminder on that, whether it's a post office will kit, the\n\nChannel 1: Nine.\n\nChannel 0: solicitors, or trustee\n\nChannel 1: Yep.\n\nChannel 0: of Queensland, public trustee at the courthouse can even do it. I'm\n\nChannel 1: Yep.\n\nChannel 0: just double checking beneficiary nominations.\n\nChannel 1: Yep.\n\nChannel 0: I can't actually see the Netwealth one on there at the moment, but I know you've got Kerry, Milo, and Miller. Do\n\nChannel 1: Yep.\n\nChannel 0: you remember how you wanted that organized?\n\nChannel 1: 50 to Carrie and 25 to the two boys.\n\nChannel 0: K. Sixty twenty five twenty five. I'll do a check to make sure that's on ARTN's Netwealth. And\n\nChannel 1: Yep.\n\nChannel 0: if not, we'll send you some forms and let you know.\n\nChannel 1: Yeah, mate. No drums at all. Thank you.\n\nChannel 0: Awesome. Mate, thank you very much for spending the time with me today. It's been fun.\n\nChannel 1: No drums.\n\nChannel 0: I'd like to see if I can get a bit of a win on these. No promises, but you've got a fun one for me.\n\nChannel 1: No dramas at all, mate. Thank you very much for your time.\n\nChannel 0: No worries. Have a great night, and I'll talk to you soon. Cheers,\n\nChannel 1: See you, mate. Bye.\n\nChannel 0: mate. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.0379762277007103},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.9,"sentiment":"neutral","sentiment_score":0.027565105352550745}],"sentiment":"neutral","sentiment_score":0.02817752431420719,"channel":1,"num_words":17,"start":0.24,"end":4.9},{"sentences":[{"text":"Tommy from Oakview.","start":7.44,"end":8.74,"sentiment":"neutral","sentiment_score":0.025451224918166798},{"text":"Annual review.","start":9.04,"end":9.94,"sentiment":"neutral","sentiment_score":0.023541133850812912}],"sentiment":"neutral","sentiment_score":0.024687188491225243,"channel":0,"num_words":5,"start":7.44,"end":9.94},{"sentences":[{"text":"I'm speaking.","start":18.055,"end":18.715,"sentiment":"neutral","sentiment_score":0.04667285270988941}],"sentiment":"neutral","sentiment_score":0.04667285270988941,"channel":1,"num_words":2,"start":18.055,"end":18.715},{"sentences":[{"text":"Good day, Mark.","start":19.455,"end":20.095001,"sentiment":"positive","sentiment_score":0.4261498947938283},{"text":"It's Tommy here, senior adviser from Oakview.","start":20.095001,"end":22.015,"sentiment":"neutral","sentiment_score":0.26418780429022654},{"text":"How are you going?","start":22.015,"end":22.915,"sentiment":"neutral","sentiment_score":0.26255885139107704}],"sentiment":"neutral","sentiment_score":0.2984285514269556,"channel":0,"num_words":14,"start":19.455,"end":22.915},{"sentences":[{"text":"Sensational, mate.","start":24.615,"end":25.755001,"sentiment":"neutral","sentiment_score":0.11934489756822586}],"sentiment":"neutral","sentiment_score":0.11934489756822586,"channel":1,"num_words":2,"start":24.615,"end":25.755001},{"sentences":[{"text":"Sensational.","start":26.59,"end":27.09,"sentiment":"neutral","sentiment_score":0.15369273722171783},{"text":"Good to hear.","start":27.310001,"end":28.11,"sentiment":"positive","sentiment_score":0.5036844809850057},{"text":"Just giving you a call to go through that annual review if you still got time.","start":28.27,"end":31.25,"sentiment":"neutral","sentiment_score":0.23467418644577265}],"sentiment":"neutral","sentiment_score":0.27097665816545485,"channel":0,"num_words":20,"start":26.59,"end":31.25},{"sentences":[{"text":"Sure.","start":32.0,"end":32.32,"sentiment":"neutral","sentiment_score":0.17660965025424957},{"text":"I literally just got back to camp.","start":32.32,"end":34.16,"sentiment":"neutral","sentiment_score":0.12723165218319213},{"text":"I'm just walking at the moment.","start":34.16,"end":36.239998,"sentiment":"neutral","sentiment_score":0.10941539704799652},{"text":"Gonna go back to my car, but feel free to start going through.","start":36.239998,"end":39.68,"sentiment":"neutral","sentiment_score":0.13292484845106417},{"text":"I I won't have my computer in it to look at anything, but happy to keep going through it, mate.","start":39.68,"end":46.335003,"sentiment":"neutral","sentiment_score":0.2519238471984863}],"sentiment":"neutral","sentiment_score":0.1806430547161305,"channel":1,"num_words":47,"start":32.0,"end":46.335003},{"sentences":[{"text":"I did organize the time because this is when I'm normally back at camp, so that's fine.","start":46.335003,"end":49.715,"sentiment":"neutral","sentiment_score":0.21112154248882742}],"sentiment":"neutral","sentiment_score":0.21112154248882742,"channel":1,"num_words":17,"start":46.335003,"end":49.715},{"sentences":[{"text":"No.","start":50.06,"end":50.38,"sentiment":"neutral","sentiment_score":0.14732393622398376},{"text":"No worries at all.","start":50.38,"end":51.100002,"sentiment":"neutral","sentiment_score":0.14041718095541},{"text":"There's a few things to go through, and I'll leave a few documents with you.","start":51.100002,"end":54.72,"sentiment":"neutral","sentiment_score":0.10744760632514953},{"text":"Just before I jump into it, may you okay for me to do the usual security check with you?","start":55.420002,"end":59.600002,"sentiment":"neutral","sentiment_score":0.06428594534334384}],"sentiment":"neutral","sentiment_score":0.09082409529349743,"channel":0,"num_words":39,"start":50.06,"end":59.600002},{"sentences":[{"text":"Yeah, mate.","start":59.64,"end":60.2,"sentiment":"neutral","sentiment_score":0.059649961069226265},{"text":"Jump in.","start":60.2,"end":61.02,"sentiment":"neutral","sentiment_score":0.06080285459756851}],"sentiment":"neutral","sentiment_score":0.06022640783339739,"channel":1,"num_words":4,"start":59.64,"end":61.02},{"sentences":[{"text":"Cool.","start":61.195,"end":61.695,"sentiment":"neutral","sentiment_score":0.12966316938400269},{"text":"So I'm registered with Asic as adviser 1273105.","start":61.915,"end":65.755,"sentiment":"neutral","sentiment_score":0.06463011773303151},{"text":"Could you confirm your date of birth and address, please?","start":65.755,"end":68.495,"sentiment":"neutral","sentiment_score":0.03776100371032953}],"sentiment":"neutral","sentiment_score":0.05391127096587106,"channel":0,"num_words":19,"start":61.195,"end":68.495},{"sentences":[{"text":"Date of birth, ninth the first eighty","start":69.72,"end":72.2,"sentiment":"neutral","sentiment_score":0.014487989645983492}],"sentiment":"neutral","sentiment_score":0.014487989645983492,"channel":1,"num_words":7,"start":69.72,"end":72.2},{"sentences":[{"text":"Thank","start":72.09,"end":72.59,"sentiment":"neutral","sentiment_score":0.07099950313568115}],"sentiment":"neutral","sentiment_score":0.07099950313568115,"channel":0,"num_words":1,"start":72.09,"end":72.59},{"sentences":[{"text":"'6.","start":72.2,"end":72.7,"sentiment":"neutral","sentiment_score":0.07650960981845856}],"sentiment":"neutral","sentiment_score":0.07650960981845856,"channel":1,"num_words":1,"start":72.2,"end":72.7},{"sentences":[{"text":"you.","start":73.21,"end":73.71,"sentiment":"neutral","sentiment_score":0.049539968371391296}],"sentiment":"neutral","sentiment_score":0.049539968371391296,"channel":0,"num_words":1,"start":73.21,"end":73.71},{"sentences":[{"text":"Address, 7 Flinders Court, Lammermoor 4703, 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to","start":1119.2699,"end":1126.6051,"sentiment":"neutral","sentiment_score":0.22523675300180912}],"sentiment":"neutral","sentiment_score":0.2893178532259506,"channel":0,"num_words":57,"start":1113.59,"end":1126.6051},{"sentences":[{"text":"Yeah.","start":1126.6051,"end":1127.1051,"sentiment":"neutral","sentiment_score":0.13088811933994293}],"sentiment":"neutral","sentiment_score":0.13088811933994293,"channel":1,"num_words":1,"start":1126.6051,"end":1127.1051},{"sentences":[{"text":"pile it into some cash as well.","start":1126.6051,"end":1128.045,"sentiment":"neutral","sentiment_score":0.12682762422731944},{"text":"You know?","start":1128.045,"end":1128.6051,"sentiment":"neutral","sentiment_score":0.0799621045589447},{"text":"Do a bit of 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stops.","start":1327.49,"end":1328.95,"sentiment":"neutral","sentiment_score":-0.1532203604777654},{"text":"I'm calling to my wife anyway.","start":1329.97,"end":1331.25,"sentiment":"neutral","sentiment_score":-0.06709121912717819}],"sentiment":"neutral","sentiment_score":-0.17438751988505063,"channel":1,"num_words":38,"start":1315.245,"end":1331.25},{"sentences":[{"text":"The snoring stopped.","start":1331.25,"end":1332.3099,"sentiment":"neutral","sentiment_score":-0.07707817852497101}],"sentiment":"neutral","sentiment_score":-0.07707817852497101,"channel":1,"num_words":3,"start":1331.25,"end":1332.3099},{"sentences":[{"text":"Nice.","start":1332.81,"end":1333.31,"sentiment":"neutral","sentiment_score":0.21651211380958557}],"sentiment":"neutral","sentiment_score":0.21651211380958557,"channel":0,"num_words":1,"start":1332.81,"end":1333.31},{"sentences":[{"text":"She said when I'm sleeping, it doesn't sound like I'm gasping for air or anything like that.","start":1332.9299,"end":1337.01,"sentiment":"neutral","sentiment_score":0.013200918979504529},{"text":"It's just","start":1337.01,"end":1337.6699,"sentiment":"neutral","sentiment_score":-0.00919916364364326}],"sentiment":"neutral","sentiment_score":0.010843015545488973,"channel":1,"num_words":19,"start":1332.9299,"end":1337.6699},{"sentences":[{"text":"Yep.","start":1337.61,"end":1338.11,"sentiment":"neutral","sentiment_score":-0.0049171666614711285}],"sentiment":"neutral","sentiment_score":-0.0049171666614711285,"channel":0,"num_words":1,"start":1337.61,"end":1338.11},{"sentences":[{"text":"dead quiet.","start":1338.13,"end":1338.61,"sentiment":"neutral","sentiment_score":-0.047183265909552574},{"text":"She's actually gotta check to make sure I'm still breathing.","start":1338.61,"end":1341.19,"sentiment":"neutral","sentiment_score":-0.018824630044400693},{"text":"So I'm assuming the sleep apnea is gone after losing a bit of weight.","start":1342.8351,"end":1348.055,"sentiment":"neutral","sentiment_score":-0.1140357508723225},{"text":"So I'm just wondering, do I need to go do another sleep study to get this confirmed or or what I need to do?","start":1349.0751,"end":1355.655,"sentiment":"neutral","sentiment_score":-0.04356655400867263}],"sentiment":"neutral","sentiment_score":-0.0584942128136754,"channel":1,"num_words":50,"start":1338.13,"end":1355.655},{"sentences":[{"text":"So I'm glad I've got you tonight.","start":1356.76,"end":1359.1001,"sentiment":"positive","sentiment_score":0.6756296541009631},{"text":"I've got a couple of ideas and thoughts here.","start":1359.16,"end":1361.8201,"sentiment":"positive","sentiment_score":0.4939493106471168},{"text":"So first port of call is you got a half $1,000,000 worth of life and disability insurance with ART, little bit of income protection.","start":1362.36,"end":1370.14,"sentiment":"neutral","sentiment_score":0.22714381975432238}],"sentiment":"positive","sentiment_score":0.3656600762158632,"channel":0,"num_words":40,"start":1356.76,"end":1370.14},{"sentences":[{"text":"Yep.","start":1370.9,"end":1371.4,"sentiment":"neutral","sentiment_score":0.2398245334625244}],"sentiment":"neutral","sentiment_score":0.2398245334625244,"channel":1,"num_words":1,"start":1370.9,"end":1371.4},{"sentences":[{"text":"It's got no exclusions or anything on it for any preexisting conditions.","start":1371.955,"end":1377.735,"sentiment":"neutral","sentiment_score":0.2012658305466175}],"sentiment":"neutral","sentiment_score":0.2012658305466175,"channel":0,"num_words":12,"start":1371.955,"end":1377.735},{"sentences":[{"text":"Mhmm.","start":1379.1749,"end":1379.6749,"sentiment":"neutral","sentiment_score":0.15417030453681946}],"sentiment":"neutral","sentiment_score":0.15417030453681946,"channel":1,"num_words":1,"start":1379.1749,"end":1379.6749},{"sentences":[{"text":"So that just means claims easy because they're not gonna, oh, you've had this, you've had that, knock you back kind of thing.","start":1379.7949,"end":1386.3,"sentiment":"neutral","sentiment_score":0.14789138539977695}],"sentiment":"neutral","sentiment_score":0.14789138539977695,"channel":0,"num_words":23,"start":1379.7949,"end":1386.3},{"sentences":[{"text":"Yep.","start":1387.3099,"end":1387.8099,"sentiment":"neutral","sentiment_score":0.11719459295272829}],"sentiment":"neutral","sentiment_score":0.11719459295272829,"channel":1,"num_words":1,"start":1387.3099,"end":1387.8099},{"sentences":[{"text":"In order to we could potentially transfer it, which transfer terms packages up that policy and moves it across to another super fund.","start":1389.1001,"end":1399.9349,"sentiment":"neutral","sentiment_score":0.06830350342004196}],"sentiment":"neutral","sentiment_score":0.06830350342004196,"channel":0,"num_words":23,"start":1389.1001,"end":1399.9349},{"sentences":[{"text":"Yep.","start":1400.715,"end":1401.215,"sentiment":"neutral","sentiment_score":0.11130358278751372}],"sentiment":"neutral","sentiment_score":0.11130358278751372,"channel":1,"num_words":1,"start":1400.715,"end":1401.215},{"sentences":[{"text":"Now I know an identical super fund to Netwealth, which I use heavily here at Oakview, Hub twenty four offers transfer terms, and it's got the exact same investment options for slightly cheaper fee.","start":1402.1549,"end":1414.14,"sentiment":"neutral","sentiment_score":0.13870088909478748}],"sentiment":"neutral","sentiment_score":0.13870088909478748,"channel":0,"num_words":34,"start":1402.1549,"end":1414.14},{"sentences":[{"text":"Yep.","start":1415.23,"end":1415.73,"sentiment":"neutral","sentiment_score":0.09406992048025133}],"sentiment":"neutral","sentiment_score":0.09406992048025133,"channel":1,"num_words":1,"start":1415.23,"end":1415.73},{"sentences":[{"text":"If that's a goer, I don't wanna waste your time and open up super funds and move things around.","start":1416.46,"end":1420.54,"sentiment":"neutral","sentiment_score":-0.0320491064584961},{"text":"But if that's a goer, I could potentially look at trying to transfer and get it all into one fund, mimic the same investments.","start":1420.54,"end":1427.04,"sentiment":"neutral","sentiment_score":0.08806794012586276},{"text":"You'd you'd switch funds once, but it'll be two into the one.","start":1428.445,"end":1431.6649,"sentiment":"neutral","sentiment_score":0.06065144141515096}],"sentiment":"neutral","sentiment_score":0.04059117885983803,"channel":0,"num_words":55,"start":1416.46,"end":1431.6649},{"sentences":[{"text":"Yeah.","start":1432.355,"end":1432.595,"sentiment":"neutral","sentiment_score":0.1115458756685257},{"text":"And that's what I'm looking for is just, one, because I'm gonna start making contributions very shortly.","start":1432.595,"end":1439.28,"sentiment":"neutral","sentiment_score":0.16982856349033468}],"sentiment":"neutral","sentiment_score":0.16659063638912308,"channel":1,"num_words":18,"start":1432.355,"end":1439.28},{"sentences":[{"text":"Yep.","start":1440.14,"end":1440.64,"sentiment":"neutral","sentiment_score":0.1673632115125656}],"sentiment":"neutral","sentiment_score":0.1673632115125656,"channel":0,"num_words":1,"start":1440.14,"end":1440.64},{"sentences":[{"text":"And then we're not worrying about transferring money from here to 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anyway.","start":1458.9249,"end":1461.085,"sentiment":"positive","sentiment_score":0.3429648861289024},{"text":"So","start":1461.085,"end":1461.585,"sentiment":"neutral","sentiment_score":0.17213773727416992}],"sentiment":"neutral","sentiment_score":0.20271990187466143,"channel":1,"num_words":70,"start":1440.7,"end":1461.585},{"sentences":[{"text":"Yeah.","start":1461.6749,"end":1461.995,"sentiment":"neutral","sentiment_score":0.1404610127210617}],"sentiment":"neutral","sentiment_score":0.1404610127210617,"channel":0,"num_words":1,"start":1461.6749,"end":1461.995},{"sentences":[{"text":"whatever","start":1461.885,"end":1462.2849,"sentiment":"neutral","sentiment_score":0.12098737806081772}],"sentiment":"neutral","sentiment_score":0.12098737806081772,"channel":1,"num_words":1,"start":1461.885,"end":1462.2849},{"sentences":[{"text":"We've 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kind of it's like a sister super fund.","start":1463.0349,"end":1465.68,"sentiment":"neutral","sentiment_score":0.007803823612630367},{"text":"They kind of compete with each other.","start":1465.76,"end":1467.2001,"sentiment":"neutral","sentiment_score":0.044225679976599555},{"text":"One's red, one's blue.","start":1467.2001,"end":1468.5801,"sentiment":"neutral","sentiment_score":0.08465952426195145},{"text":"And the the red one offers insurance transfers, and Netwealth is good for trading.","start":1468.8,"end":1474.02,"sentiment":"neutral","sentiment_score":0.21795676914708956},{"text":"So they're pretty well identical, but different","start":1474.2401,"end":1478.0801,"sentiment":"neutral","sentiment_score":0.16413563277040208}],"sentiment":"neutral","sentiment_score":0.11730000691577083,"channel":0,"num_words":42,"start":1463.0349,"end":1478.0801},{"sentences":[{"text":"Yep.","start":1477.9299,"end":1478.4299,"sentiment":"neutral","sentiment_score":0.09789174050092696}],"sentiment":"neutral","sentiment_score":0.09789174050092696,"channel":1,"num_words":1,"start":1477.9299,"end":1478.4299},{"sentences":[{"text":"features.","start":1478.0801,"end":1478.5801,"sentiment":"neutral","sentiment_score":0.08958308398723602}],"sentiment":"neutral","sentiment_score":0.08958308398723602,"channel":0,"num_words":1,"start":1478.0801,"end":1478.5801},{"sentences":[{"text":"Yep.","start":1479.705,"end":1480.205,"sentiment":"neutral","sentiment_score":0.13127239048480988},{"text":"That's that's fine.","start":1480.265,"end":1481.485,"sentiment":"neutral","sentiment_score":0.303563525279363},{"text":"So when I when you 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I","start":1501.72,"end":1502.04,"sentiment":"neutral","sentiment_score":-0.059475116431713104}],"sentiment":"neutral","sentiment_score":-0.20581634006663865,"channel":1,"num_words":51,"start":1488.1849,"end":1502.04},{"sentences":[{"text":"Yeah.","start":1502.03,"end":1502.53,"sentiment":"neutral","sentiment_score":-0.03375596925616264}],"sentiment":"neutral","sentiment_score":-0.03375596925616264,"channel":0,"num_words":1,"start":1502.03,"end":1502.53},{"sentences":[{"text":"would say fifty five, sixty, I might be a little bit more dubious, but right now, don't care.","start":1502.04,"end":1507.025,"sentiment":"neutral","sentiment_score":-0.0946490192371938}],"sentiment":"neutral","sentiment_score":-0.0946490192371938,"channel":1,"num_words":18,"start":1502.04,"end":1507.025},{"sentences":[{"text":"And you already had a bit of an update from Kyle in January for an updated portfolio that knocked out the one that was underperforming, the Bennelong option, and he's got another one in there that's doing pretty well.","start":1507.4851,"end":1518.2251,"sentiment":"neutral","sentiment_score":0.12137954137646235}],"sentiment":"neutral","sentiment_score":0.12137954137646235,"channel":0,"num_words":39,"start":1507.4851,"end":1518.2251},{"sentences":[{"text":"Yep.","start":1518.045,"end":1518.545,"sentiment":"neutral","sentiment_score":0.11219076812267303},{"text":"Yep.","start":1518.765,"end":1519.265,"sentiment":"neutral","sentiment_score":0.11025218665599824}],"sentiment":"neutral","sentiment_score":0.11122147738933563,"channel":1,"num_words":2,"start":1518.045,"end":1519.265},{"sentences":[{"text":"So I don't have to really jiggle around the investments much.","start":1519.44,"end":1522.32,"sentiment":"neutral","sentiment_score":0.06492371260273186},{"text":"I think I can keep it the same high risk portfolio","start":1522.32,"end":1525.38,"sentiment":"neutral","sentiment_score":0.161066934466362}],"sentiment":"neutral","sentiment_score":0.11299532353454693,"channel":0,"num_words":22,"start":1519.44,"end":1525.38},{"sentences":[{"text":"Yep.","start":1526.28,"end":1526.78,"sentiment":"neutral","sentiment_score":0.07352497428655624}],"sentiment":"neutral","sentiment_score":0.07352497428655624,"channel":1,"num_words":1,"start":1526.28,"end":1526.78},{"sentences":[{"text":"just to switch a platforms potentially.","start":1526.72,"end":1528.58,"sentiment":"neutral","sentiment_score":0.08984471609195073}],"sentiment":"neutral","sentiment_score":0.08984471609195073,"channel":0,"num_words":6,"start":1526.72,"end":1528.58},{"sentences":[{"text":"Cool.","start":1529.64,"end":1530.14,"sentiment":"positive","sentiment_score":0.5241317749023438},{"text":"I like it.","start":1531.4801,"end":1532.38,"sentiment":"positive","sentiment_score":0.5207795798778534}],"sentiment":"positive","sentiment_score":0.521617628633976,"channel":1,"num_words":4,"start":1529.64,"end":1532.38},{"sentences":[{"text":"I don't think we should like, I can call every insurer under the sun, research them all.","start":1533.615,"end":1538.275,"sentiment":"neutral","sentiment_score":-0.1434191925560727},{"text":"What I can see here in the fact find before then was something about sports related shoulder and ankle injuries, that type of thing.","start":1538.8151,"end":1545.99,"sentiment":"neutral","sentiment_score":-0.10820083878934383}],"sentiment":"neutral","sentiment_score":-0.12280357083896311,"channel":0,"num_words":41,"start":1533.615,"end":1545.99},{"sentences":[{"text":"Yep.","start":1546.395,"end":1546.895,"sentiment":"neutral","sentiment_score":-0.04347125440835953}],"sentiment":"neutral","sentiment_score":-0.04347125440835953,"channel":1,"num_words":1,"start":1546.395,"end":1546.895},{"sentences":[{"text":"I think if there was anything to do with joints, screws, metal plates, surgeries, you tend to get exclusions for that type of thing.","start":1548.39,"end":1554.89,"sentiment":"neutral","sentiment_score":-0.15478746530910334},{"text":"I would probably rather look at the transfer than that way, but what's your thoughts?","start":1554.95,"end":1559.05,"sentiment":"neutral","sentiment_score":-0.08206705575188002}],"sentiment":"neutral","sentiment_score":-0.1268180770178636,"channel":0,"num_words":39,"start":1548.39,"end":1559.05},{"sentences":[{"text":"I'm not worried about whatever comes out for that type of insurance.","start":1560.605,"end":1565.105,"sentiment":"neutral","sentiment_score":-0.15570657576123872},{"text":"I've got health insurance to cover me for that sort of stuff anyway.","start":1565.5651,"end":1568.545,"sentiment":"neutral","sentiment_score":-0.04638976249127434}],"sentiment":"neutral","sentiment_score":-0.09886183286085724,"channel":1,"num_words":25,"start":1560.605,"end":1568.545},{"sentences":[{"text":"Yep.","start":1569.205,"end":1569.705,"sentiment":"neutral","sentiment_score":0.001749126939103007}],"sentiment":"neutral","sentiment_score":0.001749126939103007,"channel":0,"num_words":1,"start":1569.205,"end":1569.705},{"sentences":[{"text":"The only one I'm really wanna keep would be the TPD in the lot.","start":1570.925,"end":1578.01,"sentiment":"neutral","sentiment_score":-0.10256436147860118},{"text":"That's the only thing I was really concerned about.","start":1578.01,"end":1579.9501,"sentiment":"neutral","sentiment_score":-0.26455140113830566},{"text":"I've I've got health insurance.","start":1580.17,"end":1581.55,"sentiment":"neutral","sentiment_score":-0.22698795199394226},{"text":"I don't have income protection.","start":1581.93,"end":1587.165,"sentiment":"neutral","sentiment_score":-0.28460617512464526},{"text":"I I don't have that other than what's in the super, but at the end of the day, I also don't have enough money there to to last me fucking ninety days in today's climate either.","start":1588.3451,"end":1597.885,"sentiment":"negative","sentiment_score":-0.38262256648805404}],"sentiment":"neutral","sentiment_score":-0.29201806811750797,"channel":1,"num_words":69,"start":1570.925,"end":1597.885},{"sentences":[{"text":"So","start":1598.265,"end":1598.765,"sentiment":"neutral","sentiment_score":-0.12160523980855942}],"sentiment":"neutral","sentiment_score":-0.12160523980855942,"channel":1,"num_words":1,"start":1598.265,"end":1598.765},{"sentences":[{"text":"Yeah.","start":1598.85,"end":1599.35,"sentiment":"neutral","sentiment_score":-0.08870342373847961}],"sentiment":"neutral","sentiment_score":-0.08870342373847961,"channel":0,"num_words":1,"start":1598.85,"end":1599.35},{"sentences":[{"text":"whatever.","start":1600.44,"end":1600.84,"sentiment":"neutral","sentiment_score":-0.0936826765537262},{"text":"I'm not concerned.","start":1600.84,"end":1601.72,"sentiment":"neutral","sentiment_score":-0.13440058132012686},{"text":"If if I've gotta go without for a couple of weeks, whatever.","start":1601.72,"end":1605.26,"sentiment":"neutral","sentiment_score":-0.19101946925123534},{"text":"It is what it is.","start":1605.56,"end":1606.78,"sentiment":"neutral","sentiment_score":-0.12107871472835541},{"text":"The biggest thing for me is that TPD and life, because I am in in a high risk industry as they call it in coal mining","start":1608.12,"end":1614.895,"sentiment":"neutral","sentiment_score":-0.10131261469079898}],"sentiment":"neutral","sentiment_score":-0.1282689278113081,"channel":1,"num_words":47,"start":1600.44,"end":1614.895},{"sentences":[{"text":"Yeah.","start":1615.425,"end":1615.925,"sentiment":"neutral","sentiment_score":-0.03076869994401932}],"sentiment":"neutral","sentiment_score":-0.03076869994401932,"channel":0,"num_words":1,"start":1615.425,"end":1615.925},{"sentences":[{"text":"or in in mining in general.","start":1615.675,"end":1617.775,"sentiment":"neutral","sentiment_score":-0.049898313668866955},{"text":"And the only reason why I kept that same policy with them was because at the time I was doing I was dealing with explosives, and ART were happy to have me covered for that, which I found really bizarre.","start":1619.5951,"end":1633.67,"sentiment":"neutral","sentiment_score":-0.13598519163206219},{"text":"So that's why I've just continued on with that as well because I am ex shot fire now.","start":1634.05,"end":1639.695,"sentiment":"neutral","sentiment_score":-0.1360923225680987},{"text":"I don't do it anymore, but I am I used to be a shot fire so that's why I just continued that insurance on.","start":1639.695,"end":1644.835,"sentiment":"neutral","sentiment_score":-0.12517939725269875}],"sentiment":"neutral","sentiment_score":-0.12719051008620721,"channel":1,"num_words":88,"start":1615.675,"end":1644.835},{"sentences":[{"text":"Are you dealing with any explosives now?","start":1645.4701,"end":1647.5701,"sentiment":"neutral","sentiment_score":-0.054070212479148595}],"sentiment":"neutral","sentiment_score":-0.054070212479148595,"channel":0,"num_words":7,"start":1645.4701,"end":1647.5701},{"sentences":[{"text":"Nope.","start":1647.855,"end":1648.355,"sentiment":"neutral","sentiment_score":-0.26646551489830017}],"sentiment":"neutral","sentiment_score":-0.26646551489830017,"channel":1,"num_words":1,"start":1647.855,"end":1648.355},{"sentences":[{"text":"K.","start":1650.1101,"end":1650.6101,"sentiment":"neutral","sentiment_score":-0.11196307837963104}],"sentiment":"neutral","sentiment_score":-0.11196307837963104,"channel":0,"num_words":1,"start":1650.1101,"end":1650.6101},{"sentences":[{"text":"Nope.","start":1650.175,"end":1650.675,"sentiment":"neutral","sentiment_score":-0.26934996247291565},{"text":"Don't deal with any don't do any training near explosives.","start":1651.12,"end":1653.86,"sentiment":"negative","sentiment_score":-0.3415077477693558},{"text":"Don't do anything with them at all.","start":1654.0,"end":1655.7799,"sentiment":"neutral","sentiment_score":-0.3202478970800127},{"text":"Don't even have a ShopRise license anymore.","start":1656.24,"end":1658.5,"sentiment":"neutral","sentiment_score":-0.29822711433683124},{"text":"My store handling transport has all expired.","start":1658.5599,"end":1662.02,"sentiment":"negative","sentiment_score":-0.37915157420294626}],"sentiment":"negative","sentiment_score":-0.3333691731095314,"channel":1,"num_words":32,"start":1650.175,"end":1662.02},{"sentences":[{"text":"I I don't deal with anything anything at all.","start":1662.1599,"end":1665.765,"sentiment":"negative","sentiment_score":-0.34554871585634017},{"text":"I don't even have a dangerous goods license anymore.","start":1665.845,"end":1668.105,"sentiment":"neutral","sentiment_score":-0.3170107371277279}],"sentiment":"neutral","sentiment_score":-0.3312797264920341,"channel":1,"num_words":18,"start":1662.1599,"end":1668.105},{"sentences":[{"text":"Yep.","start":1668.5399,"end":1669.02,"sentiment":"neutral","sentiment_score":-0.039635494351387024},{"text":"Okay.","start":1669.02,"end":1669.52,"sentiment":"neutral","sentiment_score":-0.02923692017793655},{"text":"I'm gonna write this down.","start":1669.98,"end":1671.1,"sentiment":"neutral","sentiment_score":-0.02385616973042488},{"text":"No dangerous goods.","start":1671.1,"end":1672.22,"sentiment":"neutral","sentiment_score":-0.09600259612003963},{"text":"What was what did you call it before?","start":1672.22,"end":1673.5,"sentiment":"neutral","sentiment_score":-0.04829418519511819}],"sentiment":"neutral","sentiment_score":-0.04791747406125069,"channel":0,"num_words":18,"start":1668.5399,"end":1673.5},{"sentences":[{"text":"Shot fire?","start":1673.5,"end":1674.1599,"sentiment":"neutral","sentiment_score":-0.03573654219508171}],"sentiment":"neutral","sentiment_score":-0.03573654219508171,"channel":0,"num_words":2,"start":1673.5,"end":1674.1599},{"sentences":[{"text":"Yeah.","start":1674.405,"end":1674.805,"sentiment":"neutral","sentiment_score":-0.02956853248178959},{"text":"Shot fire.","start":1674.805,"end":1675.365,"sentiment":"neutral","sentiment_score":-0.036708688363432884},{"text":"So I used to be the I blow the dirt up, set all the bombs off.","start":1675.365,"end":1679.465,"sentiment":"neutral","sentiment_score":-0.07576354150660336}],"sentiment":"neutral","sentiment_score":-0.06922118806917417,"channel":1,"num_words":19,"start":1674.405,"end":1679.465},{"sentences":[{"text":"Yeah.","start":1679.515,"end":1679.835,"sentiment":"neutral","sentiment_score":0.02142949774861336},{"text":"Nice.","start":1679.835,"end":1680.335,"sentiment":"neutral","sentiment_score":0.08384653180837631},{"text":"That's","start":1681.035,"end":1681.355,"sentiment":"neutral","sentiment_score":0.06657922267913818}],"sentiment":"neutral","sentiment_score":0.05728508407870928,"channel":0,"num_words":3,"start":1679.515,"end":1681.355},{"sentences":[{"text":"Yeah.","start":1681.0701,"end":1681.5701,"sentiment":"neutral","sentiment_score":0.1064784824848175}],"sentiment":"neutral","sentiment_score":0.1064784824848175,"channel":1,"num_words":1,"start":1681.0701,"end":1681.5701},{"sentences":[{"text":"fun.","start":1681.355,"end":1681.855,"sentiment":"neutral","sentiment_score":0.1234351173043251}],"sentiment":"neutral","sentiment_score":0.1234351173043251,"channel":0,"num_words":1,"start":1681.355,"end":1681.855},{"sentences":[{"text":"Yeah.","start":1682.35,"end":1682.67,"sentiment":"neutral","sentiment_score":0.010212773457169533},{"text":"Well, it it's good, but then when they started having issues with Afghanistan and then I think it was Beirut that blew up when they the blew up at the harbor and flattened the town.","start":1682.67,"end":1696.4751,"sentiment":"neutral","sentiment_score":-0.20566381247980253},{"text":"I just","start":1697.175,"end":1697.5751,"sentiment":"neutral","sentiment_score":-0.20742454379796982}],"sentiment":"neutral","sentiment_score":-0.2000755197613647,"channel":1,"num_words":38,"start":1682.35,"end":1697.5751},{"sentences":[{"text":"Yeah.","start":1697.37,"end":1697.87,"sentiment":"neutral","sentiment_score":-0.17997723817825317}],"sentiment":"neutral","sentiment_score":-0.17997723817825317,"channel":0,"num_words":1,"start":1697.37,"end":1697.87},{"sentences":[{"text":"went into this.","start":1697.5751,"end":1698.6151,"sentiment":"neutral","sentiment_score":-0.2630317012468974},{"text":"This is not gonna be good, and it really wasn't.","start":1698.6151,"end":1700.775,"sentiment":"negative","sentiment_score":-0.6466079473495483},{"text":"And I just handed everything in and went, I'm not not interested anymore.","start":1700.775,"end":1703.915,"sentiment":"negative","sentiment_score":-0.47249860946948713}],"sentiment":"negative","sentiment_score":-0.5152944807822888,"channel":1,"num_words":26,"start":1697.5751,"end":1703.915},{"sentences":[{"text":"Or something you wanna be around?","start":1704.265,"end":1705.725,"sentiment":"neutral","sentiment_score":-0.2692035213112831}],"sentiment":"neutral","sentiment_score":-0.2692035213112831,"channel":0,"num_words":6,"start":1704.265,"end":1705.725},{"sentences":[{"text":"I I enjoy that work.","start":1707.5751,"end":1708.6951,"sentiment":"positive","sentiment_score":0.34749030470848086},{"text":"I I really do.","start":1708.6951,"end":1709.79,"sentiment":"neutral","sentiment_score":0.32515954691916704},{"text":"And I enjoy training people in that, but it's just an industry that's getting too heavily compliance and restrictive now.","start":1710.03,"end":1720.05,"sentiment":"neutral","sentiment_score":-0.1670329999178648},{"text":"It's yeah.","start":1720.3501,"end":1721.7101,"sentiment":"negative","sentiment_score":-0.35894671082496643},{"text":"Not gonna get anything done.","start":1721.7101,"end":1723.0701,"sentiment":"negative","sentiment_score":-0.5458298087120056}],"sentiment":"neutral","sentiment_score":-0.10415590978744957,"channel":1,"num_words":36,"start":1707.5751,"end":1723.0701},{"sentences":[{"text":"There's not it's not what it used to be.","start":1723.0701,"end":1725.165,"sentiment":"negative","sentiment_score":-0.42188254329893327},{"text":"So I'm just not interested in it.","start":1725.645,"end":1727.245,"sentiment":"negative","sentiment_score":-0.5802423698561532},{"text":"So I'm just staying away from it.","start":1727.245,"end":1728.865,"sentiment":"negative","sentiment_score":-0.4997866792338235}],"sentiment":"negative","sentiment_score":-0.49378896666609723,"channel":1,"num_words":23,"start":1723.0701,"end":1728.865},{"sentences":[{"text":"K.","start":1729.5751,"end":1730.0751,"sentiment":"neutral","sentiment_score":-0.039076581597328186},{"text":"I have a few thoughts.","start":1731.015,"end":1732.3151,"sentiment":"neutral","sentiment_score":0.0005247380584478378},{"text":"When you've got your split between what you're doing on-site at the moment versus training assessing, what would be the percentage split?","start":1733.015,"end":1740.3151,"sentiment":"neutral","sentiment_score":0.010746237774252553},{"text":"50","start":1740.39,"end":1740.89,"sentiment":"neutral","sentiment_score":0.011082272976636888}],"sentiment":"neutral","sentiment_score":0.007277469403624278,"channel":0,"num_words":29,"start":1729.5751,"end":1740.89},{"sentences":[{"text":"Pretty","start":1743.1901,"end":1743.43,"sentiment":"neutral","sentiment_score":0.03349562734365463}],"sentiment":"neutral","sentiment_score":0.03349562734365463,"channel":1,"num_words":1,"start":1743.1901,"end":1743.43},{"sentences":[{"text":"50,","start":1743.3938,"end":1743.8938,"sentiment":"neutral","sentiment_score":0.03474996238946915}],"sentiment":"neutral","sentiment_score":0.03474996238946915,"channel":0,"num_words":1,"start":1743.3938,"end":1743.8938},{"sentences":[{"text":"much all of my work is training assessing.","start":1743.43,"end":1745.6901,"sentiment":"neutral","sentiment_score":0.05671861954033375},{"text":"Like,","start":1746.31,"end":1746.55,"sentiment":"neutral","sentiment_score":0.05136121064424515}],"sentiment":"neutral","sentiment_score":0.056123351885212794,"channel":1,"num_words":9,"start":1743.43,"end":1746.55},{"sentences":[{"text":"90","start":1746.3975,"end":1746.8975,"sentiment":"neutral","sentiment_score":0.0765843614935875}],"sentiment":"neutral","sentiment_score":0.0765843614935875,"channel":0,"num_words":1,"start":1746.3975,"end":1746.8975},{"sentences":[{"text":"everything I do is training assessing.","start":1746.55,"end":1748.3301,"sentiment":"neutral","sentiment_score":0.05922003400822481}],"sentiment":"neutral","sentiment_score":0.05922003400822481,"channel":1,"num_words":6,"start":1746.55,"end":1748.3301},{"sentences":[{"text":"10?","start":1749.4012,"end":1749.9012,"sentiment":"neutral","sentiment_score":0.033356644213199615}],"sentiment":"neutral","sentiment_score":0.033356644213199615,"channel":0,"num_words":1,"start":1749.4012,"end":1749.9012},{"sentences":[{"text":"Some of it's on-site, some of it's off-site.","start":1749.67,"end":1751.67,"sentiment":"neutral","sentiment_score":0.01819817308569327},{"text":"So I would say let let's work with the, say, Monday to Thursday on-site and then the Friday off-site.","start":1751.67,"end":1759.355,"sentiment":"neutral","sentiment_score":0.04800581147796229},{"text":"So you'd be looking at five twenty, so eighty twenty.","start":1759.4149,"end":1763.6749,"sentiment":"neutral","sentiment_score":0.025495874136686324}],"sentiment":"neutral","sentiment_score":0.03547714984145116,"channel":1,"num_words":37,"start":1749.67,"end":1763.6749},{"sentences":[{"text":"Eighty twenty.","start":1765.06,"end":1765.88,"sentiment":"neutral","sentiment_score":0.012258594390004873},{"text":"When you're doing the training tool usage, or is it all classroom?","start":1766.66,"end":1770.68,"sentiment":"neutral","sentiment_score":0.006620234887426098}],"sentiment":"neutral","sentiment_score":0.007425714816365924,"channel":0,"num_words":14,"start":1765.06,"end":1770.68},{"sentences":[{"text":"On-site, there's everything that's classed as a high risk task is is simulated because","start":1774.3301,"end":1781.5149,"sentiment":"neutral","sentiment_score":-0.0378871427715889}],"sentiment":"neutral","sentiment_score":-0.0378871427715889,"channel":1,"num_words":14,"start":1774.3301,"end":1781.5149},{"sentences":[{"text":"Yep.","start":1781.3151,"end":1781.8151,"sentiment":"neutral","sentiment_score":-0.027693279087543488}],"sentiment":"neutral","sentiment_score":-0.027693279087543488,"channel":0,"num_words":1,"start":1781.3151,"end":1781.8151},{"sentences":[{"text":"we don't expose trainees to real high risk scenarios.","start":1781.6549,"end":1788.1549,"sentiment":"neutral","sentiment_score":-0.16481698718335894},{"text":"We simulate them on-site.","start":1788.215,"end":1789.995,"sentiment":"neutral","sentiment_score":-0.03339510736986995}],"sentiment":"neutral","sentiment_score":-0.1243794857022854,"channel":1,"num_words":13,"start":1781.6549,"end":1789.995},{"sentences":[{"text":"Yep.","start":1789.8099,"end":1790.3099,"sentiment":"neutral","sentiment_score":0.02147551439702511}],"sentiment":"neutral","sentiment_score":0.02147551439702511,"channel":0,"num_words":1,"start":1789.8099,"end":1790.3099},{"sentences":[{"text":"So like any of our gas monitoring, working in confined space, working at heights, operating forklifts, all that sort of stuff is simulated in a controlled environment.","start":1791.0149,"end":1800.76,"sentiment":"neutral","sentiment_score":0.0008965808622263096},{"text":"So a lot of that's classroom based.","start":1802.98,"end":1804.9199,"sentiment":"neutral","sentiment_score":0.009057100063988141}],"sentiment":"neutral","sentiment_score":0.0025766877567066867,"channel":1,"num_words":34,"start":1791.0149,"end":1804.9199},{"sentences":[{"text":"Okay.","start":1805.265,"end":1805.765,"sentiment":"neutral","sentiment_score":0.04395589604973793}],"sentiment":"neutral","sentiment_score":0.04395589604973793,"channel":0,"num_words":1,"start":1805.265,"end":1805.765},{"sentences":[{"text":"When I'm doing training off-site and working for an RTO, that's done in the fifty fifty ratio.","start":1806.98,"end":1814.255,"sentiment":"neutral","sentiment_score":0.05360140925382867},{"text":"So fifty fifty so 50% is done in the classroom, and then we've got to go out and do practicals to ensure that the trainee understands how to use the the machines or the tooling safely.","start":1814.395,"end":1828.42,"sentiment":"neutral","sentiment_score":0.10502187348902225},{"text":"They understand the risks.","start":1829.2,"end":1830.3201,"sentiment":"neutral","sentiment_score":0.07775518205016851},{"text":"They know how to implement controls.","start":1830.3201,"end":1832.1,"sentiment":"neutral","sentiment_score":0.07524153590202332},{"text":"So we we go and do it.","start":1832.96,"end":1834.3201,"sentiment":"neutral","sentiment_score":0.10321345286709922}],"sentiment":"neutral","sentiment_score":0.08824250738003424,"channel":1,"num_words":70,"start":1806.98,"end":1834.3201},{"sentences":[{"text":"It's still a very controlled scenario 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pretty","start":1840.1901,"end":1840.83,"sentiment":"neutral","sentiment_score":-0.0338217094540596}],"sentiment":"neutral","sentiment_score":-0.0338217094540596,"channel":0,"num_words":3,"start":1840.1901,"end":1840.83},{"sentences":[{"text":"But","start":1840.7749,"end":1841.2749,"sentiment":"neutral","sentiment_score":-0.07128377258777618}],"sentiment":"neutral","sentiment_score":-0.07128377258777618,"channel":1,"num_words":1,"start":1840.7749,"end":1841.2749},{"sentences":[{"text":"rare to go out to the offsites.","start":1840.83,"end":1842.37,"sentiment":"neutral","sentiment_score":-0.10448788319315229}],"sentiment":"neutral","sentiment_score":-0.10448788319315229,"channel":0,"num_words":7,"start":1840.83,"end":1842.37},{"sentences":[{"text":"the very rarely go out to off-site.","start":1842.695,"end":1846.2949,"sentiment":"neutral","sentiment_score":-0.08107664276446615},{"text":"Anytime I go off-site is when I'm doing if I have to do a tree lopping course, which I haven't done one of them in I don't know how long.","start":1846.2949,"end":1855.4401,"sentiment":"neutral","sentiment_score":0.015630724343160787},{"text":"I normally just do operate and maintain chainsaws.","start":1855.4401,"end":1858.42,"sentiment":"neutral","sentiment_score":0.01997638214379549},{"text":"This is all I've done 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click","start":1869.8201,"end":1875.74,"sentiment":"neutral","sentiment_score":-0.18166149278049884}],"sentiment":"neutral","sentiment_score":-0.18166149278049884,"channel":0,"num_words":23,"start":1869.8201,"end":1875.74},{"sentences":[{"text":"That's","start":1875.5349,"end":1875.855,"sentiment":"neutral","sentiment_score":0.08353129029273987}],"sentiment":"neutral","sentiment_score":0.08353129029273987,"channel":1,"num_words":1,"start":1875.5349,"end":1875.855},{"sentences":[{"text":"it","start":1875.74,"end":1875.9,"sentiment":"neutral","sentiment_score":0.12019053101539612}],"sentiment":"neutral","sentiment_score":0.12019053101539612,"channel":0,"num_words":1,"start":1875.74,"end":1875.9},{"sentences":[{"text":"right.","start":1875.855,"end":1876.355,"sentiment":"neutral","sentiment_score":0.13897430896759033}],"sentiment":"neutral","sentiment_score":0.13897430896759033,"channel":1,"num_words":1,"start":1875.855,"end":1876.355},{"sentences":[{"text":"off.","start":1875.9,"end":1876.335,"sentiment":"neutral","sentiment_score":0.12273822724819183},{"text":"Training and assessing for most of it is good.","start":1876.895,"end":1880.115,"sentiment":"positive","sentiment_score":0.43347932895024616},{"text":"When you're driving trucks, what are you driving?","start":1880.335,"end":1882.6749,"sentiment":"neutral","sentiment_score":0.08797061024233699}],"sentiment":"neutral","sentiment_score":0.26265650387439465,"channel":0,"num_words":18,"start":1875.9,"end":1882.6749},{"sentences":[{"text":"Sometimes it's a coal mining truck.","start":1888.3899,"end":1890.105,"sentiment":"neutral","sentiment_score":0.009205042695005735},{"text":"Sometimes it's a road train.","start":1890.345,"end":1891.625,"sentiment":"neutral","sentiment_score":0.023872044682502747},{"text":"Sometimes it's a HR.","start":1891.625,"end":1892.845,"sentiment":"neutral","sentiment_score":0.01573762809857726},{"text":"Sometimes it's a semi trailer.","start":1893.3049,"end":1894.985,"sentiment":"neutral","sentiment_score":0.014231516048312187},{"text":"Sometimes it's a medium rigid 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haul truck.","start":1903.92,"end":1908.88,"sentiment":"neutral","sentiment_score":0.03875248359614297},{"text":"So","start":1908.88,"end":1909.38,"sentiment":"neutral","sentiment_score":0.04160391539335251}],"sentiment":"neutral","sentiment_score":0.04007559814662845,"channel":1,"num_words":27,"start":1902.025,"end":1909.38},{"sentences":[{"text":"Gotcha.","start":1909.7749,"end":1910.1749,"sentiment":"neutral","sentiment_score":0.032600484788417816},{"text":"Gotcha.","start":1910.1749,"end":1910.6749,"sentiment":"neutral","sentiment_score":0.024435900151729584},{"text":"K.","start":1911.375,"end":1911.875,"sentiment":"neutral","sentiment_score":0.024361729621887207}],"sentiment":"neutral","sentiment_score":0.027132704854011536,"channel":0,"num_words":3,"start":1909.7749,"end":1911.875},{"sentences":[{"text":"my area of expertise is not off road haul trucks.","start":1912.56,"end":1916.625,"sentiment":"neutral","sentiment_score":0.007391428016126156},{"text":"My area of expertise is within the civil mining space.","start":1917.905,"end":1921.205,"sentiment":"neutral","sentiment_score":0.010251365415751935},{"text":"So smaller civil sized equipment that we would use to build roads, dams, levees, suburbia suburban streets, stuff like that on","start":1921.665,"end":1931.41,"sentiment":"neutral","sentiment_score":0.027093873403611638}],"sentiment":"neutral","sentiment_score":0.018180470141332325,"channel":1,"num_words":41,"start":1912.56,"end":1931.41},{"sentences":[{"text":"Okay.","start":1931.405,"end":1931.905,"sentiment":"neutral","sentiment_score":0.01464901864528656}],"sentiment":"neutral","sentiment_score":0.01464901864528656,"channel":0,"num_words":1,"start":1931.405,"end":1931.905},{"sentences":[{"text":"the mine sites.","start":1931.41,"end":1932.31,"sentiment":"neutral","sentiment_score":0.0018060120443503063},{"text":"That's my expertise.","start":1932.37,"end":1933.5901,"sentiment":"neutral","sentiment_score":0.027858731647332508},{"text":"That's what I angle in.","start":1933.73,"end":1935.91,"sentiment":"neutral","sentiment_score":0.06783773824572563},{"text":"I do hold the skills to train in the big dump trucks and has been called on occasionally to do it, but whole track pass outs, I think I've done maybe 20 in eighteen months.","start":1936.61,"end":1954.125,"sentiment":"neutral","sentiment_score":0.05743719823658466},{"text":"And","start":1954.905,"end":1955.305,"sentiment":"neutral","sentiment_score":0.06552935391664505}],"sentiment":"neutral","sentiment_score":0.05327689818086776,"channel":1,"num_words":47,"start":1931.41,"end":1955.305},{"sentences":[{"text":"Yep.","start":1954.955,"end":1955.455,"sentiment":"neutral","sentiment_score":0.07139277458190918}],"sentiment":"neutral","sentiment_score":0.07139277458190918,"channel":0,"num_words":1,"start":1954.955,"end":1955.455},{"sentences":[{"text":"in that eighteen months, I've probably done 3,000 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five.","start":2039.85,"end":2043.47,"sentiment":"neutral","sentiment_score":0.05934375219724395}],"sentiment":"neutral","sentiment_score":0.09297340610349665,"channel":1,"num_words":49,"start":2024.01,"end":2043.47},{"sentences":[{"text":"Yep.","start":2044.25,"end":2044.75,"sentiment":"neutral","sentiment_score":0.044078242033720016}],"sentiment":"neutral","sentiment_score":0.044078242033720016,"channel":0,"num_words":1,"start":2044.25,"end":2044.75},{"sentences":[{"text":"But like I said, there is light vehicles, there is road trains.","start":2045.93,"end":2050.35,"sentiment":"neutral","sentiment_score":0.00696904119104147},{"text":"So it it is it's not straight, but it is all training assessing for people on their machines.","start":2050.49,"end":2056.665,"sentiment":"neutral","sentiment_score":-0.019721822399232123},{"text":"It's not me operating them.","start":2056.665,"end":2058.345,"sentiment":"neutral","sentiment_score":-0.07052118107676505},{"text":"I'm training and 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hauling for an entire day call out of a","start":2095.73,"end":2099.09,"sentiment":"neutral","sentiment_score":-0.23017677664756775}],"sentiment":"neutral","sentiment_score":-0.23017677664756775,"channel":0,"num_words":10,"start":2095.73,"end":2099.09},{"sentences":[{"text":"Nice.","start":2098.86,"end":2099.36,"sentiment":"neutral","sentiment_score":-0.12621572613716123}],"sentiment":"neutral","sentiment_score":-0.12621572613716123,"channel":1,"num_words":1,"start":2098.86,"end":2099.36},{"sentences":[{"text":"for an entire day, that type 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me.","start":2148.43,"end":2158.7952,"sentiment":"positive","sentiment_score":0.3513565655601652},{"text":"Because I've I've noted down, like, 80% of what you told me, but I'm gonna sit there.","start":2158.7952,"end":2162.715,"sentiment":"neutral","sentiment_score":0.13676944331211202}],"sentiment":"neutral","sentiment_score":0.2757906564350786,"channel":0,"num_words":58,"start":2146.91,"end":2162.715},{"sentences":[{"text":"I'm gonna read over about four or five times.","start":2162.715,"end":2164.815,"sentiment":"neutral","sentiment_score":0.12312177154752943},{"text":"And then we're gonna call around and see if we can get you a good occupation rating with 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is.","start":2175.49,"end":2185.325,"sentiment":"neutral","sentiment_score":-0.08277085269131049},{"text":"Transfer terms, you don't generally need that for that.","start":2185.385,"end":2187.7048,"sentiment":"neutral","sentiment_score":-0.10562660296758015},{"text":"So that's my first port of call is if I can skip all that, I will.","start":2187.7048,"end":2190.9248,"sentiment":"neutral","sentiment_score":-0.029410935938358307},{"text":"And then","start":2191.2249,"end":2191.865,"sentiment":"neutral","sentiment_score":0.041583579033613205}],"sentiment":"neutral","sentiment_score":-0.0389865157956874,"channel":0,"num_words":71,"start":2171.17,"end":2191.865},{"sentences":[{"text":"Yep.","start":2191.8052,"end":2192.3052,"sentiment":"neutral","sentiment_score":0.06327413022518158}],"sentiment":"neutral","sentiment_score":0.06327413022518158,"channel":1,"num_words":1,"start":2191.8052,"end":2192.3052},{"sentences":[{"text":"I'm just gonna sort of chop down the line first, get occupation 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good.","start":2218.355,"end":2227.3398,"sentiment":"neutral","sentiment_score":0.007042301325675319},{"text":"If not, we're looking at a middle issue or a full decline, and I can just get that range of outcomes for you.","start":2227.4,"end":2233.035,"sentiment":"neutral","sentiment_score":-0.04368251675496931}],"sentiment":"neutral","sentiment_score":-0.013425607724409355,"channel":0,"num_words":57,"start":2218.355,"end":2233.035},{"sentences":[{"text":"Yeah.","start":2233.5,"end":2233.8198,"sentiment":"neutral","sentiment_score":0.04298675060272217},{"text":"No.","start":2233.8198,"end":2234.0598,"sentiment":"neutral","sentiment_score":-0.056610990315675735},{"text":"That'd be 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They express frustration with the process and discuss the setup of retirement plans and deductions. The speaker emphasizes their focus on health and their willingness to contribute to their accountant's team, and provides information on withdrawing personal tax contributions and the Super Saver scheme. They end the conversation with pleasantries and goodbyes."},"intents":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Tommy from Oakview.","start_word":1,"end_word":19,"intents":[{"intent":"Provide information","confidence_score":0.03215441},{"intent":"Provide information","confidence_score":0.011547212}]},{"text":"Just giving you a call to go through that annual review if you still got time. Sure.","start_word":44,"end_word":60,"intents":[{"intent":"Review annual review","confidence_score":0.008860373}]},{"text":"There's a few things to go through, and I'll leave a few documents with you. 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I thought I'd be able to just get some work for my wife, and that would see a different stream of income coming in consistently, and that would cover it.","start_word":1286,"end_word":1336,"intents":[{"intent":"Arrange work","confidence_score":0.00018229731}]},{"text":"But the accountant says if it's a partner earning an income, it's not it won't cost you as PSP.","start_word":1337,"end_word":1355,"intents":[{"intent":"Understand income requirements","confidence_score":0.02133674}]},{"text":"So you need to earn from multiple sources directly? So, yeah, with this this year, I will be. I'll Yep. earn probably $50.50 from two different sources. Okay.","start_word":1356,"end_word":1383,"intents":[{"intent":"Confirm earning sources","confidence_score":0.0039574774}]},{"text":"So I'm hoping that'll get me under the PSP, which it tells me it's very handy with more tax rates or creative Yep. tax tax measures I can use. Yeah.","start_word":1385,"end_word":1414,"intents":[{"intent":"Activate psi","confidence_score":2.3871868e-7}]},{"text":"Retarded. So So if you're getting that sort of flat rate from the mining company, because I think you were saying you're doing nine days on, five days off. Is that right?","start_word":1444,"end_word":1475,"intents":[{"intent":"Retarde tax rates","confidence_score":0.002735858}]},{"text":"It all goes in taxes and fees and all the rest of it. Yeah.","start_word":1857,"end_word":1870,"intents":[{"intent":"Maximize expenses","confidence_score":0.00035498687}]},{"text":"So I've just gotta talk to the insurance broker how I'm gonna get that covered. It's Yeah.","start_word":2043,"end_word":2059,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.5118732}]},{"text":"So it's not doing online courses. It's not doing gym stuff. It's all out there on the field, so to speak. it's out there on the field. It's on the sidelines. It will be in the gym running courses for the for the players and strengthening conditioning classes and stuff like that for them, but it's a it's a different type of training.","start_word":2059,"end_word":2121,"intents":[{"intent":"Provide information about gym courses","confidence_score":0.0013324433}]},{"text":"It's we're actually dealing with people on a medical level now.","start_word":2136,"end_word":2146,"intents":[{"intent":"Explain medical terminology","confidence_score":0.00014158431}]},{"text":"So I'm I've just just writing gotta it down. I've just gotta work out how that's gonna work with the insurances and whether I've got a whether I'll have to set up another entity just for that or whether I can run it all under the same or whether if we run a whole separate policy. Yeah.","start_word":2149,"end_word":2205,"intents":[{"intent":"Understand expectations and set up separate policy","confidence_score":1.926795e-7}]},{"text":"It's cool, but it's Trying to figure out the logistics of all the I insurances I just and everything in the background, though. yeah.","start_word":2237,"end_word":2260,"intents":[{"intent":"Clarify logistics for insurances","confidence_score":0.0005646853},{"intent":"Clarify logistics","confidence_score":0.036104333}]},{"text":"I see it all the time with the guys that they're breaking into all these different areas, and it's just really hard slog because the kids are still not old enough, and the work hasn't settled itself enough. But then by the mid forties, they're kinda laughing. You know what I mean? And they they look back and go, jeez. That was a tough slog. But Yes.","start_word":2525,"end_word":2591,"intents":[{"intent":"Express frustration with financial decisions","confidence_score":0.0000041022076}]},{"text":"They don't get the aspect that they've got to read every single line to make sure they're they're doing what they need to Yep. do. And then I've got the older guys who are happy to sit there and try and take four hours and five hours to do something and read every single line and get it right, but they don't know how to drive the app to do what they needed to do. So Yeah.","start_word":2752,"end_word":2828,"intents":[{"intent":"Evaluate training techniques","confidence_score":0.0008314585}]},{"text":"I've got an absolutely terrible credit rating because I've been bad at paying bills because I'm too busy at work.","start_word":3123,"end_word":3142,"intents":[{"intent":"Help with credit rating","confidence_score":0.0013746455}]},{"text":"So that's what I'm right now, I'm focusing on trying to keep on top of the book work, which I'm struggling with. But Yeah.","start_word":3237,"end_word":3260,"intents":[{"intent":"Keep on top of house deposit","confidence_score":0.040328022}]},{"text":"And how many years into the business are you at the moment? I'll be three years in October. Three years.","start_word":3359,"end_word":3378,"intents":[{"intent":"Set down business for three years","confidence_score":0.00007366236}]},{"text":"what do I need to do to get insurances through you guys?","start_word":3547,"end_word":3558,"intents":[{"intent":"Ask about getting insurances","confidence_score":0.00009296753}]},{"text":"So I don't know if you guys have got access to look at what insurances I've got or if I need to do something for you I can to see see it in what front of me. yeah.","start_word":3750,"end_word":3787,"intents":[{"intent":"Evaluate insurances","confidence_score":0.003738859}]},{"text":"She's actually gotta check to make sure I'm still breathing. So I'm assuming the sleep apnea is gone after losing a bit of weight. So I'm just wondering, do I need to go do another sleep study to get this confirmed or or what I need to do?","start_word":4090,"end_word":4137,"intents":[{"intent":"Confirm sleep study","confidence_score":0.80114204}]},{"text":"In order to we could potentially transfer it, which transfer terms packages up that policy and moves it across to another super fund.","start_word":4215,"end_word":4237,"intents":[{"intent":"Transfer insurance policy","confidence_score":0.4132135}]},{"text":"Now I know an identical super fund to Netwealth, which I use heavily here at Oakview, Hub twenty four offers transfer terms, and it's got the exact same investment options for slightly cheaper fee. Yep.","start_word":4239,"end_word":4273,"intents":[{"intent":"Share investment options","confidence_score":0.00026444995}]},{"text":"And that's what I'm looking for is just, one, because I'm gonna start making contributions very shortly. Yep.","start_word":4330,"end_word":4347,"intents":[{"intent":"Make contributions","confidence_score":0.19394019}]},{"text":"So when I when you look at my risk profile, I'm in high Yep. risk at the moment anyway because at the end of the day, I've still got another thirty years of work. So I don't give a shit if I lose $20.30, $40 tomorrow because at the end of the day, I've still got thirty years to build it back up. If I Yeah.","start_word":4477,"end_word":4542,"intents":[{"intent":"Clarify risk profile","confidence_score":0.0011658911}]},{"text":"And you already had a bit of an update from Kyle in January for an updated portfolio that knocked out the one that was underperforming, the Bennelong option, and he's got another one in there that's doing pretty well. Yep.","start_word":4561,"end_word":4600,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.13312984}]},{"text":"I've got health insurance to cover me for that sort of stuff anyway.","start_word":4728,"end_word":4740,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.15201233}]},{"text":"And the only reason why I kept that same policy with them was because at the time I was doing I was dealing with explosives, and ART were happy to have me covered for that, which I found really bizarre. So that's why I've just continued on with that as well because I am ex shot fire now. I don't do it anymore, but I am I used to be a shot fire so that's why I just continued that insurance on.","start_word":4867,"end_word":4948,"intents":[{"intent":"Inform about policy change","confidence_score":0.0054722484}]},{"text":"When you're doing the training tool usage, or is it all classroom?","start_word":5269,"end_word":5280,"intents":[{"intent":"Evaluate training methodologies","confidence_score":0.028427035}]},{"text":"When you were doing explosives, you can't even do a transfer terms because it puts you as a high risk, and they click That's it right.","start_word":5506,"end_word":5531,"intents":[{"intent":"Stateing hr experience","confidence_score":0.0000011739677}]},{"text":"Training and assessing for most of it is good.","start_word":5533,"end_word":5541,"intents":[{"intent":"Assessing vehicle capabilities","confidence_score":0.00012417842}]},{"text":"Training and assessing for most of it is good. When you're driving trucks, what are you driving? Sometimes it's a coal mining truck. Sometimes it's a road train. Sometimes it's a HR. Sometimes it's a semi trailer. Sometimes it's a medium rigid truck. It just depends on what training's required at that point in time. Yeah.","start_word":5533,"end_word":5588,"intents":[{"intent":"Discussing training requirements","confidence_score":0.012350274},{"intent":"Explaining generalization about training requirements","confidence_score":0.0000028217066}]},{"text":"When you're driving trucks, what are you driving?","start_word":5542,"end_word":5549,"intents":[{"intent":"Expressing interest in driving trucks","confidence_score":0.00051477086}]},{"text":"Sometimes it's a HR. Sometimes it's a semi trailer. Sometimes it's a medium rigid truck. It just depends on what training's required at that point in time. Yeah.","start_word":5561,"end_word":5588,"intents":[{"intent":"Expressing preference for hvac equipment","confidence_score":0.00009205175}]},{"text":"So it could be a dump truck. It could be a road train a road going truck or it could be an off road haul truck. So Gotcha.","start_word":5589,"end_word":5616,"intents":[{"intent":"Discussing road train and truck training","confidence_score":8.0949796e-8}]},{"text":"I do hold the skills to train in the big dump trucks and has been called on occasionally to do it, but whole track pass outs, I think I've done maybe 20 in eighteen months. And Yep.","start_word":5672,"end_word":5708,"intents":[{"intent":"Providing specialist training methods","confidence_score":0.000018306},{"intent":"Expressing interest in training","confidence_score":0.0307386}]},{"text":"So so it's very minute to have trainers for that. But occasionally, they do call me in and I am required. But it's like I said, I've done probably 3,000 assessments in the last two years, and probably 20 of them have been haul trucks. Yeah.","start_word":5719,"end_word":5764,"intents":[{"intent":"Expressing willingness to have trainers","confidence_score":0.0046980754}]},{"text":"I think the way I'm trying to push it towards it for an occupation rating is if we can get something more towards the training and assessing space.","start_word":5765,"end_word":5792,"intents":[{"intent":"Expressing preference for roaling trucks","confidence_score":5.467497e-9},{"intent":"Expressing desire for better assessment","confidence_score":0.0007279106},{"intent":"Expressing willingness for additional training","confidence_score":0.000033996897}]},{"text":"Can't promise anything. It's just one of those fun things where I get to go and get on the blower and anonymously negotiate with 10 different insurance people and see if I can find anything that kind of fits. Yep.","start_word":5855,"end_word":5894,"intents":[{"intent":"Negotiate insurance","confidence_score":0.30232534}]},{"text":"Like, if you if you need more information as to the type of training I do, I mean, I can I can tell you, like, there's there's excavators, there's loaders, there's graders, there's dozers? That's that's the main guts of my training are them five.","start_word":5898,"end_word":5942,"intents":[{"intent":"Provide information","confidence_score":0.14073314}]},{"text":"I'm thinking it's weird when you've got a split between the driving a truck and training and assessing because Well, I don't it sounds like two occupations. yeah. So I don't drive the truck. So, yes, I drive the truck to show the trainee where they need to go and how they need to drive the truck on-site. That is Gotcha.","start_word":6014,"end_word":6074,"intents":[{"intent":"Evaluate truck driving and truck driving","confidence_score":0.000067769965}]},{"text":"And then if they can nail what I need them to nail in an hour and a half, all good marks.","start_word":6134,"end_word":6154,"intents":[{"intent":"Assist with tasks","confidence_score":0.005121453}]},{"text":"I'm here to assess you because you're coming here with previous skills. Why we go?","start_word":6200,"end_word":6214,"intents":[{"intent":"Discuss previous skills","confidence_score":0.0011287436},{"intent":"Evaluate skills","confidence_score":0.010412023}]},{"text":"If I need any more info, we'll definitely get in touch. I don't even wanna touch anything sort of health related at the moment because, yes, sleep apnea, that's could be pretty well sweet, or maybe they want a sleep study, whatever it is.","start_word":6325,"end_word":6368,"intents":[{"intent":"Get information","confidence_score":0.24152334}]},{"text":"If we can consolidate, we'll do that.","start_word":6461,"end_word":6467,"intents":[{"intent":"Consolidate and consolidate","confidence_score":0.007214096}]},{"text":"I won't give you anything about how much to contribute to your super or anything like that because you're obviously talking to your accountant at the moment. We'll just Yep.","start_word":6549,"end_word":6578,"intents":[{"intent":"Discuss options and expectations for contributions and goals","confidence_score":3.566999e-7}]},{"text":"And then the other thing I wanted to look at was the I've done a bit of reading in the first time super saver scheme, and when you pull the money back out, they tax again and it's classed as an income, and you get taxed on whatever bracket you happen to fall into.","start_word":6806,"end_word":6859,"intents":[{"intent":"Clarify tax bracket and deduction","confidence_score":0.00011572075},{"intent":"Clarify deduction process","confidence_score":0.063650265}]},{"text":"Yeah.","start_word":6866,"end_word":6866,"intents":[{"intent":"Understand tax offset","confidence_score":0.0029865305},{"intent":"Clarify tax offset","confidence_score":0.034213457}]},{"text":"So what I was looking at was you can take a maximum withdrawal of $50. In the bracket I'm in now, I'm gonna have to pay around that 40<unk> in the dollar as a personal Yeah.","start_word":6906,"end_word":6941,"intents":[{"intent":"Clarify deduction options","confidence_score":0.034974962},{"intent":"Clarify deduction amount","confidence_score":0.027647763}]},{"text":"So it depends on how the contributions are made because you can do it two different ways. This is where it gets painful. Copy.","start_word":7059,"end_word":7082,"intents":[{"intent":"Clarify contribution calculations","confidence_score":0.0006699629}]},{"text":"So in that so if it goes in there and I'll set it up the way it's gotta be set up, that I've paid tax on it before it goes in there, before I put the money in there, the tax is being paid on it, and I wanna pull out 50, I get the full 50.","start_word":7220,"end_word":7276,"intents":[{"intent":"Set up tax return","confidence_score":0.26815766},{"intent":"Provide tax refund","confidence_score":0.00028630655}]},{"text":"of goes out in the wash for your tax return because some of the tax gets handled within the funds, some gets handled at tax time.","start_word":7362,"end_word":7387,"intents":[{"intent":"Receive tax return","confidence_score":0.009554291}]},{"text":"Contributions wise, yeah, if you can get it 12% at some point would be good because I'd hate to see someone earning good coin getting less than their super than the McDonald's worker. Yeah.","start_word":7590,"end_word":7623,"intents":[{"intent":"Explain benefits and challenges","confidence_score":9.961893e-7}]},{"text":"Her mom comes for a month, and we're all good. But I'll try and get all this sorted with you before I go because, obviously, end of financial year contributions, insurances, Yep. all that fun stuff. If not, the insurances we might finalize in July. Yep.","start_word":7822,"end_word":7867,"intents":[{"intent":"Manage insurance application","confidence_score":0.000033690387}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Tommy from Oakview. Annual review. I'm speaking.","start_word":0,"end_word":23,"sentiment":"neutral","sentiment_score":0.030514396727085114},{"text":"Good day, Mark.","start_word":24,"end_word":26,"sentiment":"positive","sentiment_score":0.4335308074951172},{"text":"It's Tommy here, senior adviser from Oakview. How are you going? Sensational, mate. Sensational.","start_word":27,"end_word":40,"sentiment":"neutral","sentiment_score":0.2112198770046234},{"text":"Good to hear.","start_word":41,"end_word":43,"sentiment":"positive","sentiment_score":0.4931037724018097},{"text":"Just giving you a call to go through that annual review if you still got time. Sure. I literally just got back to camp. I'm just walking at the moment. Gonna go back to my car, but feel free to start going through. I I won't have my computer in it to look at anything, but happy to keep going through it, mate. I did organize the time because this is when I'm normally back at camp, so that's fine. No. No worries at all. There's a few things to go through, and I'll leave a few documents with you. Just before I jump into it, may you okay for me to do the usual security check with you? Yeah, mate. Jump in. Cool. So I'm registered with Asic as adviser 1273105. Could you confirm your date of birth and address, please? Date of birth, ninth the first eighty Thank '6. you. Address, 7 Flinders Court, Lammermoor 4703, Queensland.","start_word":44,"end_word":202,"sentiment":"neutral","sentiment_score":0.12997548282146454},{"text":"Fantastic. Thank you for that, Mark.","start_word":203,"end_word":208,"sentiment":"positive","sentiment_score":0.5383692383766174},{"text":"And the calls are recorded for training quality purposes. Is that okay? That's perfectly fine.","start_word":209,"end_word":223,"sentiment":"neutral","sentiment_score":0.21487247943878177},{"text":"Perfect.","start_word":224,"end_word":224,"sentiment":"positive","sentiment_score":0.40593063831329346},{"text":"So, mate, I've got this annual review pack sent through to you. I know you had a bit of advice with Kyle towards the start of the year, and we're in contact with the team about Australian retirement trust rollovers. So this is Yep. really just a bit of a snapshot to shoot through to you as well as an updated ongoing service agreement. Okay? Yeah. So I'm gonna pop that through to mark.meddings@gmail.com. Is that still okay? That's fine, mate. Yep. Cool. When you go through that, it'll have attachments with all your super performance reports, financial services guide, and so on, and then a digital authorization link off the back of that. Yeah, mate. No drums at all. Cool. Actually, before I update your details, we do have an updated system. So I'm gonna just cross reference a couple of details with you, but I just wanted to run something by you as well. The last notes I saw regarding Australian Retirement Trust did mention that you might give them a buzz to see if you can get the rollover moving along. Did you end up calling them? No, mate. I filed on that on my behalf there. No. That's okay because I've included a withdrawal form from your Netwealth, and we can actually initiate it from our end. So if you're comfortable for that to still happen, that sort of $3 to pop over there and top it up, that's actually Not included a drama. in the back as well. Is that alright? That's fine.","start_word":225,"end_word":482,"sentiment":"neutral","sentiment_score":0.0913874921064044},{"text":"Fantastic. Alright. Perfect.","start_word":483,"end_word":485,"sentiment":"positive","sentiment_score":0.5435053110122681},{"text":"Anything in particular for this year's review that you want me to focus on? Yes and no. Like, I'm still waiting for advice to come back from the accounting for the business at the moment, but I'm looking at trying to do extra contributions this or or contributions in general this year. Yep. So I'm just waiting to hear back from him as to the best way to do it, how to do it. I already know my limit's $27,500 annually, but can you backdated for five years if I wanna hide some more extra money? Working through that, basically, I wanna do that because I'm not Yep. saving money like I save money, and then I lose it to bills or whatever at the time Yep. where Comes it's and goes. it's where it's good. I've I've let the money go and pay the bills.","start_word":486,"end_word":631,"sentiment":"neutral","sentiment_score":0.03859352692961693},{"text":"That's perfect.","start_word":632,"end_word":633,"sentiment":"positive","sentiment_score":0.46448951959609985},{"text":"Mhmm.","start_word":634,"end_word":634,"sentiment":"neutral","sentiment_score":-0.07305075228214264},{"text":"Not not contributing to my super. It's kind of frustrating.","start_word":635,"end_word":644,"sentiment":"negative","sentiment_score":-0.4951165318489074},{"text":"Yeah. And not saving for a house, even more frustrating. So I'm looking into this first time super saver if it's still gonna be around for a while, Yeah. Yep. sending And the it government still will that's be. in now.","start_word":645,"end_word":685,"sentiment":"neutral","sentiment_score":-0.118650883436203},{"text":"They do this thing where they tend to grandfather things, so you should still get a good bunch of years out of it, which should be alright.","start_word":686,"end_word":712,"sentiment":"positive","sentiment_score":0.5546132922172546},{"text":"You do have I think the team sent you through the payment details to make contributions Yep. into Netwealth. Yes. They have. And I've given that to my accountant, Yep. And I've just said to him, like, this is what I've got here. What's the best way to structure these payments? How do I do it?","start_word":713,"end_word":768,"sentiment":"neutral","sentiment_score":0.15195123851299286},{"text":"Just so clueless to this stuff.","start_word":769,"end_word":774,"sentiment":"negative","sentiment_score":-0.4282508492469787},{"text":"Yeah.","start_word":775,"end_word":775,"sentiment":"neutral","sentiment_score":0.18216420710086825},{"text":"Cool.","start_word":776,"end_word":776,"sentiment":"positive","sentiment_score":0.4224863052368164},{"text":"And when you organize that, we'll help you with any notice of intent to claim forms. Have you ever done a notice of intent form before? Nope. Wouldn't know K. what So, that is inside. basically, if you have let's say you're an employee of a company and they pay your super, it all goes in pretax as a concessional contribution. If you whack Yep. it in from a bank account via BPAY or EFT, it goes in as a personal contribution, and it's not claimed as a tax deduction yet. Of course, it's not. So what happens is we fill in a form, notice of intent to claim to the super fund and say, hey. I've put in 10. I would like to claim 10, please. They code that with the tax office and take out the 15% super tax. And then when you do your tax return, it'll it's all coded up to deduct that from your tax return.","start_word":777,"end_word":937,"sentiment":"neutral","sentiment_score":0.0848396047949791},{"text":"So it lines it up perfectly from the super fund to the Beautiful.","start_word":938,"end_word":950,"sentiment":"positive","sentiment_score":0.5839345455169678},{"text":"tax office. I was wondering how that worked.","start_word":951,"end_word":958,"sentiment":"neutral","sentiment_score":0.21708126366138455},{"text":"I thought you just put in that goes, oh, it's super easy.","start_word":959,"end_word":970,"sentiment":"positive","sentiment_score":0.4009937047958374},{"text":"And he hasn't put over 27,500 in there. That's fine. Yes. Money's Yeah. come from a Your company. your it depends on, like, reference dates sorry, reference numbers and how you do the transaction because an employee if you've got a company, they can put it in through reference numbers through the SuperStream system like payroll, and they can code it Yep. up as concessional, salary sacrifice, all that kind of thing. But if you're doing it from, like, a bank account that you have, it'll go in personal until you convert it. So whichever way you need it done, the accountant can can organize it. If you need those forms done, we'll prefill them for you and help you get them done. Yes, sir. Sensational. See, this is what I deal with you guys, because you guys know what you're doing and I don't.","start_word":971,"end_word":1115,"sentiment":"neutral","sentiment_score":0.08447976168887368},{"text":"We're there to make it as easy as possible. Yeah. When I when I can use it, 100%, and I'm looking forward to it. Absolutely.","start_word":1116,"end_word":1140,"sentiment":"positive","sentiment_score":0.5322345495223999},{"text":"Absolutely. Can I just quickly double check with you? With the the company setup so I'm just cross referencing all the details you already gave us. You've got your director of a company, and Yes, ma'am. you're on-site doing the driver operator role for a mining company. Yes. Yep. Does the company that you're a director of, does that do training and assessing as its main? Yes. Perfect. Yes. So you still get paid, like, flat rate wages from the truck driving, and that's about a 130 k. Yeah. By the time the account works out, because it's still under a PSI, not a PSP. The accountant's got it set up, and he does his thing with numbers, and I've gotta pay this much money sort of thing, how it works. Yep. So you're And still it's under a the rent PSI that roles. yeah. So I'm trying to get into the PSP, but it's proving to be a little bit more difficult than I thought. I thought I'd be able to just get some work for my wife, and that would see a different stream of income coming in consistently, and that would cover it. But the accountant says if it's a partner earning an income, it's not it won't cost you as PSP. So you need to earn from multiple sources directly? So, yeah, with this this year, I will be. I'll Yep. earn probably $50.50 from two different sources. Okay.","start_word":1141,"end_word":1383,"sentiment":"neutral","sentiment_score":0.02230648882687092},{"text":"So I'm hoping that'll get me under the PSP, which it tells me it's very handy with more tax rates or creative Yep.","start_word":1384,"end_word":1406,"sentiment":"positive","sentiment_score":0.3953864574432373},{"text":"tax tax measures I can use.","start_word":1407,"end_word":1412,"sentiment":"neutral","sentiment_score":0.29285579919815063},{"text":"Yeah. Well, it's much better than being under PSI because that pretty much puts you as like a sole trader, one income source, your deductions go out the window.","start_word":1413,"end_word":1441,"sentiment":"positive","sentiment_score":0.44645148515701294},{"text":"Yeah. Yes. Retarded. So So if you're getting that sort of flat rate from the mining company, because I think you were saying you're doing nine days on, five days off. Is that right? I was I'm now doing Monday the first. I'm doing four days a week, basically, now. I do four days on-site and then one day at home. Four Now? days on-site, one day at home. And with the company itself, are you, like, an employee of your company? I know you're a director, but are you pulling wages, or is it all just kind of pulling in there at the moment? No. I'll pull pull away, Jeff, at the moment. Is that like a set thousand bucks a week or something? Does it fluctuate? Yes. Or Yeah. That's that's why I just pull out a set amount every every fortnight. k. So if I've got you at 01:30 with the mining company, would it be much how much would you be pulling out of that company? Yeah? I pull out more, but by the time the accountant does his stuff and then works it all out and balances it and whatever he does, it the last two years, they come around at 130. 100 and So 30. you're pretty safe. Oh, okay. So does that mean that everything from the truck driving and the training assessing all kinda gets mixed in? Everything goes in the one. Okay. That makes sense. Cool. Gotcha. Gotcha. Yep. Now it makes I thought it was one thirty plus company drawings on top.","start_word":1442,"end_word":1703,"sentiment":"neutral","sentiment_score":0.006675025448203087},{"text":"No. Oh, That makes perfect fuck. sense. Fuck. I I was like, wish.","start_word":1704,"end_word":1716,"sentiment":"negative","sentiment_score":-0.5871602892875671},{"text":"what? You're on 200? If if I could do that, that'd be I wouldn't be worried about first time super saver. No. No. No. So main goals are still obviously saving for the house, which I think what you were aiming for around mid next year would be ideal. Yep. Yeah. Well, I was aiming for mid last year, but It just pushes running forward a company, a year you at don't a time. seem to make you don't make as much money as everyone thinks you do. No. Not for the first bloody five years or so at least. Oh, oh, no.","start_word":1717,"end_word":1819,"sentiment":"neutral","sentiment_score":-0.017173859733835006},{"text":"It's retarded.","start_word":1820,"end_word":1821,"sentiment":"negative","sentiment_score":-0.4100296199321747},{"text":"It always takes a few years to build it up, and then all of a sudden, there's a profit there eventually, but everyone thinks, oh, there's a tradie there pulling in a couple $100. Yeah. It all goes in taxes and fees and all the rest of it. Yeah. Yeah. They just they just see, oh, come here. No. You must have plenty of money. One Yeah. day, Of course mate. I do. One day. Yeah. Yeah. 100%. But now I'm working on another stream another income stream at the moment. I've just gotta talk to my insurance broker how that's gonna work because it's a a different type of training. It's it's training, but it's it's more my wife's a sports trainer. So Yeah.","start_word":1822,"end_word":1946,"sentiment":"neutral","sentiment_score":-0.0508054718375206},{"text":"sports trainer sounds like it fits perfect in training.","start_word":1947,"end_word":1955,"sentiment":"positive","sentiment_score":0.4641421437263489},{"text":"On paper.","start_word":1956,"end_word":1957,"sentiment":"neutral","sentiment_score":0.16892915964126587},{"text":"It looks Yeah. awesome.","start_word":1958,"end_word":1961,"sentiment":"positive","sentiment_score":0.41774535179138184},{"text":"Getting to the nuts and bolts of it, it's actually like a like a a lower class physio. It's it's sort of what it would be. So she if you watch can you watch NRL? Yeah. Yeah. Yes. So she'd be one of the orange shirts running out doing the the leg Gotcha. doing the leg stretches, massages, fitness plans. Yeah. Doing that sort of sports training different to sitting in a machine training. It's more of a medical thing. So I've just gotta talk to the insurance broker how I'm gonna get that covered. It's Yeah. So it's not doing online courses. It's not doing gym stuff. It's all out there on the field, so to speak. it's out there on the field. It's on the sidelines. It will be in the gym running courses for the for the players and strengthening conditioning classes and stuff like that for them, but it's a it's a different type of training.","start_word":1962,"end_word":2121,"sentiment":"neutral","sentiment_score":0.021940160542726517},{"text":"It's not, oh, we're gonna blow some dirt up and get rid of it.","start_word":2122,"end_word":2135,"sentiment":"negative","sentiment_score":-0.37620407342910767},{"text":"It's we're actually dealing with people on a medical level now. Yeah. Okay. So I'm I've just just writing gotta it down. I've just gotta work out how that's gonna work with the insurances and whether I've got a whether I'll have to set up another entity just for that or whether I can run it all under the same or whether if we run a whole separate policy. Yeah. It's another thing. It's only just come to, like, the last probably three days we had someone approach us to take on some of Rugby Union Queensland's work. Yeah. Cool. Yeah. It's cool, but it's Trying to figure out the logistics of all the I insurances I just and everything in the background, though. yeah. And then how the actual logistics are gonna work. Like, one week, we might be in Townsville. The next week, we might be in Brisbane. Yeah. Like, I I just I just don't know how that's gonna work yet. So I've gotta gotta get them to get a plan to me and get a bit more sorted. Yep. Definitely a few things few things Oh, to there's work out what? the king's of. Yeah. Yeah. I need I sorta need a plan for them to give me a plan what they want and a roster as to where the expectations are to be, and then we can and then I want, like, like, a position description as to what they want, and then I can Yep. take that from my insurance company insurance broker and go, this is what I'm actually doing. I'm not just not sports training. This is what we're doing. So Yeah. few Because you've little things got enough while on I'm going. your plate bouncing between sites and everything, mate, and then you better try and work that out with the missus. Yeah.","start_word":2136,"end_word":2447,"sentiment":"neutral","sentiment_score":0.007672835051123865},{"text":"Yeah. It's fun.","start_word":2448,"end_word":2450,"sentiment":"positive","sentiment_score":0.5433710217475891},{"text":"And then we've got, obviously, two kids at home. Got a third one that's just broken up with the boyfriend who's moving back in.","start_word":2451,"end_word":2474,"sentiment":"neutral","sentiment_score":0.21715505421161652},{"text":"So, yeah, it's great.","start_word":2475,"end_word":2478,"sentiment":"positive","sentiment_score":0.6311025619506836},{"text":"There's there's a Jeez. bit going on at the moment. Yeah. But that's the Yeah. thing too. Like, I I don't wanna be that guy trying to predict the future, but you're getting through to the late thirties now, and there's gonna be this weird push.","start_word":2479,"end_word":2524,"sentiment":"neutral","sentiment_score":-0.15482288599014282},{"text":"I see it all the time with the guys that they're breaking into all these different areas, and it's just really hard slog because the kids are still not old enough, and the work hasn't settled itself enough. But then by the mid forties, they're kinda laughing.","start_word":2525,"end_word":2571,"sentiment":"negative","sentiment_score":-0.3651354312896729},{"text":"You know what I mean? And they they look back and go, jeez.","start_word":2572,"end_word":2584,"sentiment":"neutral","sentiment_score":-0.2852984666824341},{"text":"That was a tough slog.","start_word":2585,"end_word":2589,"sentiment":"negative","sentiment_score":-0.4083673655986786},{"text":"But Yes. four or five years from now, who knows where you could be? Yeah. That's right. And that's sort of what I'm trying to keep in mind at the moment. I I I know what I do and how to do it, and I I know I can do it well because I know people some people can't do what I do on the site.","start_word":2590,"end_word":2655,"sentiment":"neutral","sentiment_score":-0.08514568209648132},{"text":"And people tell me all the time I had to do that, and I'm just like, well, I've just done my fucking job.","start_word":2656,"end_word":2678,"sentiment":"negative","sentiment_score":-0.5190276503562927},{"text":"I read the paperwork and I filled it out and it's done.","start_word":2679,"end_word":2690,"sentiment":"neutral","sentiment_score":-0.3020002543926239},{"text":"Like, what's so hard?","start_word":2691,"end_word":2694,"sentiment":"negative","sentiment_score":-0.3434549868106842},{"text":"But yeah. I don't know.","start_word":2695,"end_word":2699,"sentiment":"neutral","sentiment_score":-0.31289657950401306},{"text":"It's hard. It's hard dealing with meander Is falls, it the I guess.","start_word":2700,"end_word":2712,"sentiment":"negative","sentiment_score":-0.4387805461883545},{"text":"kids? But Is it the kids, the younger ones that just aren't clicking with it the way you are, or is it everyone? so the the younger kids get the aspect of how to do the digital training. Yep. They don't get the aspect that they've got to read every single line to make sure they're they're doing what they need to Yep. do. And then I've got the older guys who are happy to sit there and try and take four hours and five hours to do something and read every single line and get it right, but they don't know how to drive the app to do what they needed to do. So Yeah. I'm I'm sort of in that weird middle one. I'm not a I'm not a Gen Z. I'm not a what what's the what's the new one?","start_word":2713,"end_word":2855,"sentiment":"neutral","sentiment_score":-0.1319834883813258},{"text":"A a z or alpha or whatever the fuck they're calling themselves.","start_word":2856,"end_word":2867,"sentiment":"negative","sentiment_score":-0.3813227713108063},{"text":"I'm sort of that Yeah. weird Those in two. the in in the middle. That hybrid millennial Gen X so So you can kind of yeah. do technology It's it's and tools with the hands. yeah. It's it's weird. So and and because there's probably three of us that are in that field, and I've got one who's got, like, higher up access who can help me out, and she deals with all that sort of stuff. And then me and this other trainer on another site. So I'm on one site, and we sort of deal with everyone trying to help them all out. And I've got another trainer who I bounce ideas off.","start_word":2868,"end_word":2982,"sentiment":"neutral","sentiment_score":-0.07228060811758041},{"text":"And between the three of us, it's we're just all going out and going, how the fuck is this company surviving even though they're a multinational company? Like, what the fuck?","start_word":2983,"end_word":3013,"sentiment":"negative","sentiment_score":-0.39331620931625366},{"text":"Yeah. But it is what it is, mate. Why don't we just turn up, get paid, try not to think too much about it, and just go home? Well, fingers crossed. I feel like you're in that little space where the competition is not gonna be that hard. There is Getting there it is organized, none. and, yeah, no one's gonna be able to sort of keep up and do both. So, again, give it some time, and, again, close your eyes, wake up in a few years.","start_word":3014,"end_word":3101,"sentiment":"neutral","sentiment_score":0.0740810443054546},{"text":"You'll be sweet. That's the plan. So but, yeah, that's my biggest goal at the moment is purchasing a Yep.","start_word":3102,"end_word":3121,"sentiment":"positive","sentiment_score":0.42574673891067505},{"text":"house.","start_word":3122,"end_word":3122,"sentiment":"neutral","sentiment_score":0.2567395567893982},{"text":"I've got an absolutely terrible credit rating because I've been bad at paying bills because I'm too busy at work.","start_word":3123,"end_word":3142,"sentiment":"negative","sentiment_score":-0.5497801303863525},{"text":"Yeah. I did see there was something about a credit card that you'd sort of paid off, but it stays on the credit file for a little while. So you're just waiting for that to click off. Yep. So that'll be April Yep. next year. That'll fine. That'll click off. Okay. So, yeah, I'm just waiting for that. Other than that, I think everything should be fine. So once that clicks off, and then I'll probably have to wait another twelve months or something, I guess, to show the credit ratings coming back up. So that's what I'm right now, I'm focusing on trying to keep on top of the book work, which I'm struggling with. But Yeah. I'm trying to keep on top of that at the moment. So I think that's And what plays into then what you were saying about struggling to build up for the house deposit and that kind of thing because it's not just a simple way just come in, put it in a separate bank account.","start_word":3143,"end_word":3315,"sentiment":"neutral","sentiment_score":0.06171787902712822},{"text":"You've got a lot oh, of that'd moving be awesome.","start_word":3316,"end_word":3325,"sentiment":"positive","sentiment_score":0.4464174509048462},{"text":"parts going on. Yes. Yeah. Look. You can put some into your super first time super saver scheme, get a bit of a tax deduction, but the bookkeeping is the most important thing. And how many years into the business are you at the moment? I'll be three years in October. Three years. Yeah. So you've gone through those first periods of, you know, GST and BAS statements and doing Oh, tax fuck. returns and all that. It definitely does Yeah. settle down. And once you get a bit of a smooth running, because you've got three sources potentially to try and iron out, Yep.","start_word":3326,"end_word":3430,"sentiment":"neutral","sentiment_score":0.10808615471635546},{"text":"that'll settle down. And then you all of a sudden have a nice big pile of cash there for a couple of years, and that'll go towards house deposit.","start_word":3431,"end_word":3459,"sentiment":"positive","sentiment_score":0.3464989960193634},{"text":"So, yeah, a bit of forced savings is good, but it does even out after a while, so I wouldn't put it all away if you need to pile Yeah. it into some cash as well. You know? Do a bit of both. Yep. Yep.","start_word":3460,"end_word":3504,"sentiment":"neutral","sentiment_score":0.1924898475408554},{"text":"Now that's cool. Cool. Mate, I'll keep everything else nice and simple for the other side of things.","start_word":3505,"end_word":3522,"sentiment":"positive","sentiment_score":0.6331758499145508},{"text":"I mentioned before just doing that bit of a top up for your other super fund for the insurances. Yep. Now with that, Yeah. what do I need to do to get insurances through you guys? So I got Stonewall last time. I went to go do it because of the sleep apnea is what I got told. Don't even bother. You've got insurances already. Keep them there. Rather than doing this to and fro with ART all the time, what Yes. do I need to do to get insurances with you? Or can you guys look at the insurances and go, mate, you got a good deal.","start_word":3523,"end_word":3630,"sentiment":"neutral","sentiment_score":-0.04552443325519562},{"text":"It's not worthwhile.","start_word":3631,"end_word":3633,"sentiment":"negative","sentiment_score":-0.5960301160812378},{"text":"Like, I'm just this this tune and from from ART to use guys is I've just told you about all the moving parts and this is gonna be another moving Just part. another Yes. headache. You yes. You guys are managing it, but it's still something that's gonna be sitting in the back of my head going where's ART yet? And and then trying to remember to do that, which honestly, I always forget. It's like, yep. I've gotta do it, and then I forget, and then I see a view in an email or something like that. Like, a newsletter might come through, and I'll be like, oh, fuck.","start_word":3634,"end_word":3743,"sentiment":"neutral","sentiment_score":-0.1872812956571579},{"text":"I've gotta do that.","start_word":3744,"end_word":3747,"sentiment":"negative","sentiment_score":-0.3378761410713196},{"text":"Yeah. So I don't know if you guys have got access to look at what insurances I've got or if I need to do something for you I can to see see it in what front of me. yeah. So have you got anything to do with insurances at all? Yeah. Yeah. I do a lot of the insurance advice.","start_word":3748,"end_word":3807,"sentiment":"neutral","sentiment_score":-0.0552545960371693},{"text":"Oh, beautiful.","start_word":3808,"end_word":3809,"sentiment":"positive","sentiment_score":0.5913724899291992},{"text":"Because, yeah, the the only reason ART is there is because when I come to you guys, they said to me, because I've got sleep apnea, don't even bother about trying to change it because you've got insurance there. We'll leave it there. We'll leave it topped up at 10,000 or whatever it was when they drew the money out. So Yeah. I know when I got that insurance set up, I was under a corporate insurance. And then when I left that company, I just said the ART. I don't care what it costs. I like what's there. I'm gonna keep the same. And that's what I've done. I haven't changed anything. I've just that's been the same insurance policy since 2000 when I start mine in 2008. So nearly eighteen years. Eighteen years with the base default policy pretty much. Pretty much. Yep. So Okay. 2008, I started mining. ART actually bought people to site and set all that up. So and then So I you've just had that went for out quite a while. I've had that for ages yeah. Yeah. Quite a while. And I just haven't changed it because when I come to use guys, I went, alright. Let's move the insurances over and have everything fall into one. Yep. And I got I got told don't do it because of this medical condition. So which I as far as I'm concerned, I no longer have. I've lost weight. The snoring stops. I'm calling to my wife anyway. The snoring stopped. Nice. She said when I'm sleeping, it doesn't sound like I'm gasping for air or anything like that. It's just Yep. dead quiet. She's actually gotta check to make sure I'm still breathing. So I'm assuming the sleep apnea is gone after losing a bit of weight. So I'm just wondering, do I need to go do another sleep study to get this confirmed or or what I need to do?","start_word":3810,"end_word":4136,"sentiment":"neutral","sentiment_score":-0.03941158690583815},{"text":"So I'm glad I've got you tonight. I've got a couple of ideas and thoughts here.","start_word":4137,"end_word":4152,"sentiment":"positive","sentiment_score":0.5900528430938721},{"text":"So first port of call is you got a half $1,000,000 worth of life and disability insurance with ART, little bit of income protection. Yep. It's got no exclusions or anything on it for any preexisting conditions. Mhmm. So that just means claims easy because they're not gonna, oh, you've had this, you've had that, knock you back kind of thing. Yep. In order to we could potentially transfer it, which transfer terms packages up that policy and moves it across to another super fund. Yep. Now I know an identical super fund to Netwealth, which I use heavily here at Oakview, Hub twenty four offers transfer terms, and it's got the exact same investment options for slightly cheaper fee. Yep. If that's a goer, I don't wanna waste your time and open up super funds and move things around. But if that's a goer, I could potentially look at trying to transfer and get it all into one fund, mimic the same investments. You'd you'd switch funds once, but it'll be two into the one. Yeah. And that's what I'm looking for is just, one, because I'm gonna start making contributions very shortly. Yep. And then we're not worrying about transferring money from here to there. I mean, I'm happy with Netwealth, but if there's not an option there for me to have the one and I've gotta keep the two, but you've got an option where I can have the one and I'm gonna get similar return, I'm pretty open to that.","start_word":4153,"end_word":4406,"sentiment":"neutral","sentiment_score":0.13901861011981964},{"text":"And you guys are managing all that for me anyway.","start_word":4407,"end_word":4416,"sentiment":"positive","sentiment_score":0.33418214321136475},{"text":"So Yeah. whatever We've got network a lot of clients we're getting. in this kind of it's like a sister super fund. They kind of compete with each other. One's red, one's blue. And the the red one offers insurance transfers, and Netwealth is good for trading. So they're pretty well identical, but different Yep. features. Yep. That's that's fine. So when I when you look at my risk profile, I'm in high Yep. risk at the moment anyway because at the end of the day, I've still got another thirty years of work.","start_word":4417,"end_word":4510,"sentiment":"neutral","sentiment_score":0.06289675419634962},{"text":"So I don't give a shit if I lose $20.","start_word":4511,"end_word":4520,"sentiment":"negative","sentiment_score":-0.3375556766986847},{"text":"30, $40 tomorrow because at the end of the day, I've still got thirty years to build it back up. If I Yeah. would say fifty five, sixty, I might be a little bit more dubious, but right now, don't care. And you already had a bit of an update from Kyle in January for an updated portfolio that knocked out the one that was underperforming, the Bennelong option, and he's got another one in there that's doing pretty well. Yep. Yep. So I don't have to really jiggle around the investments much. I think I can keep it the same high risk portfolio Yep. just to switch a platforms potentially.","start_word":4520,"end_word":4630,"sentiment":"neutral","sentiment_score":0.01867510750889778},{"text":"Cool. I like it.","start_word":4631,"end_word":4634,"sentiment":"positive","sentiment_score":0.5214447379112244},{"text":"I don't think we should like, I can call every insurer under the sun, research them all. What I can see here in the fact find before then was something about sports related shoulder and ankle injuries, that type of thing. Yep. I think if there was anything to do with joints, screws, metal plates, surgeries, you tend to get exclusions for that type of thing. I would probably rather look at the transfer than that way, but what's your thoughts? I'm not worried about whatever comes out for that type of insurance. I've got health insurance to cover me for that sort of stuff anyway. Yep. The only one I'm really wanna keep would be the TPD in the lot. That's the only thing I was really concerned about. I've I've got health insurance. I don't have income protection.","start_word":4635,"end_word":4774,"sentiment":"neutral","sentiment_score":-0.13516375422477722},{"text":"I I don't have that other than what's in the super, but at the end of the day, I also don't have enough money there to to last me fucking ninety days in today's climate either.","start_word":4775,"end_word":4810,"sentiment":"negative","sentiment_score":-0.39163681864738464},{"text":"So Yeah. whatever. I'm not concerned. If if I've gotta go without for a couple of weeks, whatever. It is what it is. The biggest thing for me is that TPD and life, because I am in in a high risk industry as they call it in coal mining Yeah. or in in mining in general. And the only reason why I kept that same policy with them was because at the time I was doing I was dealing with explosives, and ART were happy to have me covered for that, which I found really bizarre. So that's why I've just continued on with that as well because I am ex shot fire now. I don't do it anymore, but I am I used to be a shot fire so that's why I just continued that insurance on. Are you dealing with any explosives now? Nope. K. Nope.","start_word":4811,"end_word":4958,"sentiment":"neutral","sentiment_score":-0.13105329871177673},{"text":"Don't deal with any don't do any training near explosives.","start_word":4959,"end_word":4968,"sentiment":"negative","sentiment_score":-0.3353869915008545},{"text":"Don't do anything with them at all. Don't even have a ShopRise license anymore.","start_word":4969,"end_word":4982,"sentiment":"neutral","sentiment_score":-0.3067016005516052},{"text":"My store handling transport has all expired. I I don't deal with anything anything at all.","start_word":4983,"end_word":4998,"sentiment":"negative","sentiment_score":-0.35655835270881653},{"text":"I don't even have a dangerous goods license anymore. Yep. Okay. I'm gonna write this down. No dangerous goods. What was what did you call it before? Shot fire? Yeah. Shot fire. So I used to be the I blow the dirt up, set all the bombs off. Yeah. Nice. That's Yeah. fun. Yeah. Well, it it's good, but then when they started having issues with Afghanistan and then I think it was Beirut that blew up when they the blew up at the harbor and flattened the town. I just Yeah. went into this.","start_word":4999,"end_word":5093,"sentiment":"neutral","sentiment_score":-0.12930890917778015},{"text":"This is not gonna be good, and it really wasn't. And I just handed everything in and went, I'm not not interested anymore.","start_word":5094,"end_word":5116,"sentiment":"negative","sentiment_score":-0.5489861965179443},{"text":"Or something you wanna be around?","start_word":5117,"end_word":5122,"sentiment":"neutral","sentiment_score":-0.2643432021141052},{"text":"I I enjoy that work. I I really do.","start_word":5123,"end_word":5131,"sentiment":"positive","sentiment_score":0.3956472277641296},{"text":"And I enjoy training people in that, but it's just an industry that's getting too heavily compliance and restrictive now.","start_word":5132,"end_word":5151,"sentiment":"neutral","sentiment_score":-0.1658989042043686},{"text":"It's yeah. Not gonna get anything done. There's not it's not what it used to be. So I'm just not interested in it. So I'm just staying away from it.","start_word":5152,"end_word":5181,"sentiment":"negative","sentiment_score":-0.48691269755363464},{"text":"K. I have a few thoughts. When you've got your split between what you're doing on-site at the moment versus training assessing, what would be the percentage split? 50 Pretty 50, much all of my work is training assessing. Like, 90 everything I do is training assessing. 10? Some of it's on-site, some of it's off-site. So I would say let let's work with the, say, Monday to Thursday on-site and then the Friday off-site. So you'd be looking at five twenty, so eighty twenty. Eighty twenty. When you're doing the training tool usage, or is it all classroom? On-site, there's everything that's classed as a high risk task is is simulated because Yep. we don't expose trainees to real high risk scenarios. We simulate them on-site. Yep. So like any of our gas monitoring, working in confined space, working at heights, operating forklifts, all that sort of stuff is simulated in a controlled environment. So a lot of that's classroom based. Okay. When I'm doing training off-site and working for an RTO, that's done in the fifty fifty ratio. So fifty fifty so 50% is done in the classroom, and then we've got to go out and do practicals to ensure that the trainee understands how to use the the machines or the tooling safely. They understand the risks. They know how to implement controls. So we we go and do it. It's still a very controlled scenario because Yeah. I'm the one that's controlling everything. That'd be pretty But rare to go out to the offsites. the very rarely go out to off-site. Anytime I go off-site is when I'm doing if I have to do a tree lopping course, which I haven't done one of them in I don't know how long. I normally just do operate and maintain chainsaws. This is all I've done lately. So Yep. yeah. K. So the biggest thing always comes down to occupation rating. Yep. When you were doing explosives, you can't even do a transfer terms because it puts you as a high risk, and they click That's it right. off.","start_word":5182,"end_word":5532,"sentiment":"neutral","sentiment_score":0.008411879054246804},{"text":"Training and assessing for most of it is good.","start_word":5533,"end_word":5541,"sentiment":"positive","sentiment_score":0.4310646653175354},{"text":"When you're driving trucks, what are you driving? Sometimes it's a coal mining truck. Sometimes it's a road train. Sometimes it's a HR. Sometimes it's a semi trailer. Sometimes it's a medium rigid truck. It just depends on what training's required at that point in time. Yeah. So it could be a dump truck. It could be a road train a road going truck or it could be an off road haul truck. So Gotcha. Gotcha. K. my area of expertise is not off road haul trucks. My area of expertise is within the civil mining space. So smaller civil sized equipment that we would use to build roads, dams, levees, suburbia suburban streets, stuff like that on Okay. the mine sites. That's my expertise. That's what I angle in. I do hold the skills to train in the big dump trucks and has been called on occasionally to do it, but whole track pass outs, I think I've done maybe 20 in eighteen months. And Yep. in that eighteen months, I've probably done 3,000 assessments. Gotcha. So so it's very minute to have trainers for that. But occasionally, they do call me in and I am required. But it's like I said, I've done probably 3,000 assessments in the last two years, and probably 20 of them have been haul trucks. Yeah. I think the way I'm trying to push it towards it for an occupation rating is if we can get something more towards the training and assessing space.","start_word":5542,"end_word":5792,"sentiment":"neutral","sentiment_score":0.05175606161355972},{"text":"The fact that there's no dangerous goods or shot fire license anymore is pretty good. Simulated scenarios, that's pretty Yep. good too.","start_word":5793,"end_word":5814,"sentiment":"positive","sentiment_score":0.415210098028183},{"text":"Yep. Look. It it's you've probably got one of the trickiest occupations to assess. Potts retarded. It's not It's good at all. it's pretty crazy. I'm gonna talk to a few and see what I can come up with. Yep. Can't promise anything. It's just one of those fun things where I get to go and get on the blower and anonymously negotiate with 10 different insurance people and see if I can find anything that kind of fits. Yep. Yeah. That's fine. Like, if you if you need more information as to the type of training I do, I mean, I can I can tell you, like, there's there's excavators, there's loaders, there's graders, there's dozers? That's that's the main guts of my training are them five. Yep. But like I said, there is light vehicles, there is road trains. So it it is it's not straight, but it is all training assessing for people on their machines. It's not me operating them. I'm training and assessing people on their machines. Yeah. So my whole job is training and assessing. It just varies to what's required at that point in time and what's required for what job. Absolutely. I'm thinking it's weird when you've got a split between the driving a truck and training and assessing because Well, I don't it sounds like two occupations. yeah. So I don't drive the truck. So, yes, I drive the truck to show the trainee where they need to go and how they need to drive the truck on-site. That is Gotcha. my You're expectation. not hauling for an entire day call out of a Nice. for an entire day, that type of Nice. thing. I do one run, and I go, this is your expectation. I do one run, and then I get out, and I sit in the passenger seat, and they drive. Yep. So I'm not in there. And then if they can nail what I need them to nail in an hour and a half, all good marks. If it takes them two days, well, then I've gotta sit in the seat beside them for two days. I mean, it it just it is what it is, but I'd I'd set the expectation with me doing the first run, and then that's it. I'm here to assess you because you're coming here with previous skills. Why we go? Show me what you can do. So that's that's what I normally do. I I don't actually sit there and haul myself. Gotcha. Gotcha. Okay.","start_word":5815,"end_word":6239,"sentiment":"neutral","sentiment_score":0.010360854784239029},{"text":"So my first step's gonna be really good thing that we've got all these calls recorded because I'm gonna spin out the old AI at the back of it for all this information that you've just told me.","start_word":6240,"end_word":6277,"sentiment":"positive","sentiment_score":0.3658992648124695},{"text":"Because I've I've noted down, like, 80% of what you told me, but I'm gonna sit there. I'm gonna read over about four or five times. And then we're gonna call around and see if we can get you a good occupation rating with somebody. Yep. Yep. If I need any more info, we'll definitely get in touch. I don't even wanna touch anything sort of health related at the moment because, yes, sleep apnea, that's could be pretty well sweet, or maybe they want a sleep study, whatever it is. Transfer terms, you don't generally need that for that. So that's my first port of call is if I can skip all that, I will. And then Yep. I'm just gonna sort of chop down the line first, get occupation sorted. If I can get you transferred, we're golden. If I can't, then we go into a bit more depth with health as well. Yep.","start_word":6278,"end_word":6433,"sentiment":"neutral","sentiment_score":0.05882900953292847},{"text":"That's cool. Cool.","start_word":6434,"end_word":6436,"sentiment":"positive","sentiment_score":0.5598897933959961},{"text":"So I'll do the research first. I'll get the team to get in touch with you and maybe get some extra info from you. If we can consolidate, we'll do that.","start_word":6437,"end_word":6467,"sentiment":"neutral","sentiment_score":0.2513274848461151},{"text":"If not, I'll let you know if we if there's just no chance. And what Goodbye.","start_word":6468,"end_word":6483,"sentiment":"negative","sentiment_score":-0.42481938004493713},{"text":"the what they tell me, basically, when I talk to the head underwriters is what the range is and saying if we get this information or he ends up doing this, then it's good. If not, we're looking at a middle issue or a full decline, and I can just get that range of outcomes for you. Yeah. No. That'd be cool.","start_word":6484,"end_word":6545,"sentiment":"neutral","sentiment_score":-0.003078359877690673},{"text":"Thank Cool. you.","start_word":6546,"end_word":6548,"sentiment":"positive","sentiment_score":0.4972231984138489},{"text":"I won't give you anything about how much to contribute to your super or anything like that because you're obviously talking to your accountant at the moment. We'll just Yep. look at the insurances, the consolidations, keep the portfolio pretty well the same. How does that Yeah. sound? Yeah, mate.","start_word":6549,"end_word":6598,"sentiment":"neutral","sentiment_score":0.05573610961437225},{"text":"That's that's perfectly fine.","start_word":6599,"end_word":6602,"sentiment":"positive","sentiment_score":0.5247257351875305},{"text":"What what would you recommend what what would be your advice for contributions to to be going in? Like like, what would your expectation be from turning over okay. Let's as a person personal income, I'm sitting there in that one thirty, one forty. If I wanted the company to make payments on my behalf, I think it's, what, 10 and a half or is it 11% now? I've got it at the company's meant to pay. They've gone up to 12 now.","start_word":6603,"end_word":6685,"sentiment":"neutral","sentiment_score":0.03128250315785408},{"text":"Oh, fucking Jesus. I knew it was going up soon, but holy.","start_word":6686,"end_word":6697,"sentiment":"negative","sentiment_score":-0.4756219685077667},{"text":"It went up half a percent a year from nine and a half to 12 over five years, Now everyone's getting a bit of a monster from there. That's the thing is when you got a company in that, those first few years are a little bit of a spin your tires in the mud getting it all sorted. But if you can get up to 12% at some point regularly, that's pretty good. Yeah. Well, I was I was So trying 15 to aim for six. more than yeah. I was trying to aim for more than that myself. I wanted to try and maximize it. And then the other thing I wanted to look at was the I've done a bit of reading in the first time super saver scheme, and when you pull the money back out, they tax again and it's classed as an income, and you get taxed on whatever bracket you happen to fall into. With a bit So, of an offset. Yeah. yeah, yeah, with that offset depending on what you paid putting it in. So but I didn't know do you know much about how that works? A little bit. Yeah. I can crunch some numbers for you. Yeah. No. So what I was looking at was you can take a maximum withdrawal of $50. In the bracket I'm in now, I'm gonna have to pay around that 40<unk> in the dollar as a personal Yeah. income, personal tax. So I think it's 44, I think, or whatever. It's something around there anyway. Now if I was to pull that $50 out, then they go, oh, you've gotta pay 44<unk> on the dollar. You've already paid 7 and a half putting it in. So you've gotta pay 37 and a half pulling it out. Does that come out of that $50, or is that pulled out on top and then, say, 75 has come out or something because they want their 37<unk> in the dollar? Or do and I get my 50? Or does do I pull the 50 out, then they take their 37<unk> in the dollar, and I'm left with $15? So it depends on how the contributions are made because you can do it two different ways.","start_word":6698,"end_word":7079,"sentiment":"neutral","sentiment_score":-0.01981828824241514},{"text":"This is where it gets painful.","start_word":7080,"end_word":7085,"sentiment":"negative","sentiment_score":-0.4171907007694245},{"text":"Copy. Is the government don't make it easy, but it's a it's a step through step through of ruling. So anything that's before tax, you withdraw that with a 30% tax offset. So Yep. you pay 15% on the way in, and you Yep. get a 30% offset on the way out. Yep. If you're putting it in there after tax dollars, then you've already paid tax on the after tax dollars. Yeah. So, otherwise, they're gonna get that money. Yeah. And you get that little 15% difference. You don't get the full lovely 22% because 15 versus 37 and Medicare on top. You'll get a Yeah.","start_word":7086,"end_word":7188,"sentiment":"neutral","sentiment_score":0.01719844854861787},{"text":"15% difference, which will help a little Yep. bit, plus a bit of earnings on top can come out. A little Yep. bit of interest can come out as well.","start_word":7189,"end_word":7218,"sentiment":"positive","sentiment_score":0.49493151903152466},{"text":"Yep. So in that so if it goes in there and I'll set it up the way it's gotta be set up, that I've paid tax on it before it goes in there, before I put the money in there, the tax is being paid on it, and I wanna pull out 50, I get the full 50. And then but if I pull put it in before tax and I wanna pull the 50 out, will they take out extra money to take their tax or will they take the tax out of that 50? So they'll do that thing where it gets handled in your tax return. So you might get that lump sum, then all of a sudden, it's like, hey. This has been added to your income minus an offset kind of thing. That's where it Yep. kind Okay. of goes out in the wash for your tax return because some of the tax gets handled within the funds, some gets handled at tax time. Yep. That's the No.","start_word":7219,"end_word":7391,"sentiment":"neutral","sentiment_score":0.05226647108793259},{"text":"that's That's alright. the kind of painful bit. No.","start_word":7392,"end_word":7400,"sentiment":"negative","sentiment_score":-0.48618876934051514},{"text":"That's But alright. I yeah. just thought because you need government mission to touch your own money anyway. I thought that would have just taken it then and there. I didn't think they'd just wait till the next financial year to go, hey. Surprise. You now owe us another $35,000. That's the way the government does it, though. You know, this whole idea of, like, tell us how much you think you owe us, and if it's right, we'll give it to you. And if not, we'll give you a bill. Yes. Yeah. They'd rather you figure it all out for a year. Yeah. Tell us all the things that happened to you in a year and how you think it went, and then we'll just crisscross some i's and t's and see what the actual figure is. Yep.","start_word":7401,"end_word":7539,"sentiment":"neutral","sentiment_score":-0.09126939972956404},{"text":"Cool. So you love the Makes Taxman sense? just as much as we all do then, by the sound of that?","start_word":7540,"end_word":7560,"sentiment":"positive","sentiment_score":0.4498865306377411},{"text":"Yeah. Yep. Alright, Mark. Yep. So we'll talk more about the Super Saver scheme as we go as well. I'll do the research on the insurances.","start_word":7561,"end_word":7586,"sentiment":"neutral","sentiment_score":0.18301476538181305},{"text":"Cool. Thank you.","start_word":7587,"end_word":7589,"sentiment":"positive","sentiment_score":0.5859268307685852},{"text":"Contributions wise, yeah, if you can get it 12% at some point would be good because I'd hate to see someone earning good coin getting less than their super than the McDonald's worker. Yeah. I've seen Well, I that haven't go made wrong it. too many times. I haven't paid anything since I started the company. Yeah. And it's fine for a few like I said, the first three to five years is set up point. It's just you don't Yep. wanna be 48, 49, and being like, oh, I better start. Yep. That's when it's hard to catch up. Five years in your thirties is fine. Anyone can catch up with that with a bit Yep. of high growth and some extra contributions. No problem Yep. at all. Yep. K? So that document that I emailed through to you, that's got that rollover form, service Yep. agreement, financial services guide. Yep.","start_word":7590,"end_word":7741,"sentiment":"neutral","sentiment_score":-0.0034016917925328016},{"text":"Beautiful.","start_word":7742,"end_word":7742,"sentiment":"positive","sentiment_score":0.49014464020729065},{"text":"Everything I do insurance wise, I'm actually going on bloody paternity leave next month. Oh, cool. Got my third on the way. I've got two boys and I've got a girl coming in June, so I'll I'll Oh, be nice. taking two weeks off. Oh, I need two weeks. I'll be I'll take a little bit more afterwards when I'm more used to the wife. Yep. Yep. Initially, it's just, you know, make sure the house is sorted. Her mom comes for a month, and we're all good. But I'll try and get all this sorted with you before I go because, obviously, end of financial year contributions, insurances, Yep. all that fun stuff. If not, the insurances we might finalize in July. Yep. No. That's fine. Cool. Yeah. That's fine. I mean, they've Alright. they've been sitting there now for this long. I'm not not worried about another month. That is what it is. It's Yeah. And, fine. look, I'll do my due diligence to make sure I'm as careful as possible to actually get a a good idea. I don't wanna waste your time. And then Yep. when we ask you for extra information, that's because we actually need it at that point. But anything I can save time wise for you, I'll I'll skip. Yeah. No. Cool. No dramas at all.","start_word":7743,"end_word":7966,"sentiment":"neutral","sentiment_score":0.0685847397627575},{"text":"Thank you.","start_word":7967,"end_word":7968,"sentiment":"positive","sentiment_score":0.4069059789180755},{"text":"Cool, Mark. Talked about a few different things, but any questions so far? No, mate. No. You've covered it all.","start_word":7969,"end_word":7988,"sentiment":"neutral","sentiment_score":0.11655858159065248},{"text":"It's been good. Perfect.","start_word":7989,"end_word":7992,"sentiment":"positive","sentiment_score":0.49272775650024414},{"text":"Alright. I'll leave that email pack with you. If you have any trouble with the old DigiSign, let us know. It's pretty straightforward as a stamp where you can hit the button and draw your signature on there. Yep. You could download a signed Yep. copy. There'll be a pop up button for that at the end. Outside of that, you've got some work for me to do and a bit of research, so I'm gonna go dive into it.","start_word":7993,"end_word":8072,"sentiment":"neutral","sentiment_score":0.12192444503307344},{"text":"Thank And you. I will definitely be in touch over the fortnight for some extra info and then getting you booked in again with me.","start_word":8073,"end_word":8097,"sentiment":"positive","sentiment_score":0.4527492225170135},{"text":"No dramas at all, mate.","start_word":8098,"end_word":8102,"sentiment":"neutral","sentiment_score":0.29595041275024414},{"text":"Thank you very much for your time tonight.","start_word":8103,"end_word":8110,"sentiment":"positive","sentiment_score":0.7416347861289978},{"text":"No worries. Last question I've got before I leave you let you go. Estate planning wise, because I've just got to touch on that. Did you end up putting a will in place? Cool. I'll include a bit of a reminder on that, whether it's a post office will kit, the Nine. solicitors, or trustee Yep. of Queensland, public trustee at the courthouse can even do it. I'm Yep. just double checking beneficiary nominations. Yep. I can't actually see the Netwealth one on there at the moment, but I know you've got Kerry, Milo, and Miller. Do Yep. you remember how you wanted that organized? 50 to Carrie and 25 to the two boys. K. Sixty twenty five twenty five. I'll do a check to make sure that's on ARTN's Netwealth. And Yep. if not, we'll send you some forms and let you know. Yeah, mate. No drums at all.","start_word":8111,"end_word":8260,"sentiment":"neutral","sentiment_score":0.04451904068390528},{"text":"Thank you. Awesome. Mate, thank you very much for spending the time with me today. It's been fun.","start_word":8261,"end_word":8278,"sentiment":"positive","sentiment_score":0.7890223264694214},{"text":"No drums.","start_word":8279,"end_word":8280,"sentiment":"neutral","sentiment_score":0.32774683833122253},{"text":"I'd like to see if I can get a bit of a win on these. No promises, but you've got a fun one for me.","start_word":8281,"end_word":8305,"sentiment":"positive","sentiment_score":0.5661225318908691},{"text":"No dramas at all, mate.","start_word":8306,"end_word":8310,"sentiment":"neutral","sentiment_score":0.28441953659057617},{"text":"Thank you very much for your time. No worries. Have a great night, and I'll talk to you soon. Cheers, See you, mate.","start_word":8311,"end_word":8333,"sentiment":"positive","sentiment_score":0.6952243447303772},{"text":"Bye. mate. Bye.","start_word":8334,"end_word":8336,"sentiment":"neutral","sentiment_score":0.18332357704639435}],"average":{"sentiment":"neutral","sentiment_score":0.02350642882777359}}}}