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All good, mate. It's good to hear from you. Good to chat to you again. Yes, mate. It's been fantastic. Christmas was good. New Year's has been crazy. First couple of months of the year has just been kind of roller coaster, which is always good. Busy busy. What about you? Oh, nice. Nice. Would have been would have been cold, wouldn't it? Yeah. Awesome. Awesome. Awesome. Mate, I've got a little message in here. Let me just quickly do the usual security check with you. I know it's you, but you're okay for the calls to be recorded, mate? And just need your date of birth and address, please. Fantastic. The guys are letting me know that you're you're gonna buy a car. Finally. Yeah. Yeah. That's always the way. How much do you need out for the the next one? K. Yeah. The good thing is we've got you all set up. Like, everything besides $16 is sitting in full account based pension. So you have full access to 470,000. So what we do in these cases is, like, I've got access, like, your accounts linked up for all your pension payments coming out. I've got access to even submit a withdrawal on your behalf. And I I would need to send you, like, a a transaction authority for you to say, hey. Look. I I did request this, and then I can submit. Yeah. Yeah. Now you're all in pension phase, my friend. What would normally happen is if you've got, like, seven, eight investment options, they go up and down in value. There's usually, like, capital gains tax from the growth of the investments, but because you're in pension phase, that's all pretty well wiped out as it is. So you don't get capital gains tax. You don't get a fee. You don't get a tax. It's pretty well free. No. Because you're not in transition or anything. That's all good. The only thing that I just want to be careful on is if you give me an indication of how much you need and when you might need it is I was just having a little play around with the investments, and I just wanna make sure you've got cash there. Because right now, there's heaps of cash, and you can pull it all you can pull it out for that. If it's sitting in investment, you might get a a week or two delay for it to sell down enough. So let's say it's all invested and you wanted $40 or something like that, it may take a week or two to actually get it into cash to get out to your bank. Yeah. Yeah. Do you want me to organize that this week with you so that $30.35 comes out and then you've got it there? Yeah. Easy done. That'd be perfect. If you send through an email with how much you need, I'll reply back with that transaction authority, get the withdrawal done, and then I'll just update the investments after that. Cool. Sounds good. So I'm just gonna put a couple of notes on the file while I've got you here, and we'll say potential withdrawal of approximately 30 to 35,000 for a car to be paid from pension account by a transaction authority and north transaction pending email from Jeff and then rebalance. And I'll rebalance your investments after that. Because, basically, what I wanna do is if I can get the withdrawal sorted for you this week, is come Monday, Tuesday, I can just rebalance your investments, and you're good to go. Yeah. All Awesome. I've seen the contributions come through. Yeah. Well, we pretty much used up what we could for we pretty much used up what we could when we did all of the contribution strategy originally. The only thing that I was thinking was maybe a little bit of a concessional contribution towards the end of financial year, but it really depends on where your income's gonna end come June 30 approximately. And because you get a few different sources, are you still getting a couple of different source of income? Yeah. Because, again, if it's not gonna be much of a benefit, there's no point doing some extra contributions and things like that. If you can afford to put more into super, that's great because, again, you've got it to access anyway. But if your tax bracket's low enough, wouldn't worry too much. If you're bumping up towards the 32% or above, then, yeah, definitely. Fantastic. Okay. I'll put in a couple of sort of tentative draft trades on your MyNorth account. All in all, it's it's kinda doing its thing. It's still up 4%. So everything that you've been taking out from the withdrawals, it's pretty well been made back in interest anyway. And, look, world's going crazy. It's not it's not plummeting or anything like that, so it's it's kinda doing its thing. No. That's okay. We can do, like, a bit of a catch up end of financial year where I can send you some reports and everything just to show you how it's going. You don't have to sort of watch it or panic or anything like that. I can I can keep an eye on it? But, again, it's a bit of a stress test because we put you in something pretty conservative to make sure you don't have high risk. And I just wanna say, like, compared to the market, how much it's fluctuating, and then I can give you an indication if there's a big crash, how much you stand for it to drop, and how much for it to bounce back. Awesome. So what I'll do, I'll just wait for your email. If I don't hear from you, I'll reach out, but we'll get the withdrawal first. We'll rebalance the investments, and then we'll catch up about contributions and performance around end of financial year. Awesome, mate. Any questions for me? Fantastic, mate. You have a fantastic day, and I'll talk to you soon. Thanks, Jeff. 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Jeffrey. It's Tommy here from IQ Financial. How are you doing? Hey. Good.\n\nThank you. Sorry. I thought it was going through to voice message for a second there. No. All good, mate.\n\nAll good, mate. It's good to hear from you. Good to chat to you again. Yes, mate. It's been fantastic.\n\nChristmas was good. New Year's has been crazy. First couple of months of the year has just been kind of roller coaster, which is always good. Busy busy. What about you?\n\nOh, nice. Nice. Would have been would have been cold, wouldn't it? Yeah. Awesome.\n\nAwesome. Awesome. Mate, I've got a little message in here. Let me just quickly do the usual security check with you. I know it's you, but you're okay for the calls to be recorded, mate?\n\nAnd just need your date of birth and address, please. Fantastic. The guys are letting me know that you're you're gonna buy a car. Finally. Yeah.\n\nYeah. That's always the way. How much do you need out for the the next one? K. Yeah.\n\nThe good thing is we've got you all set up. Like, everything besides $16 is sitting in full account based pension. So you have full access to 470,000. So what we do in these cases is, like, I've got access, like, your accounts linked up for all your pension payments coming out. I've got access to even submit a withdrawal on your behalf.\n\nAnd I I would need to send you, like, a a transaction authority for you to say, hey. Look. I I did request this, and then I can submit. Yeah. Yeah.\n\nNow you're all in pension phase, my friend. What would normally happen is if you've got, like, seven, eight investment options, they go up and down in value. There's usually, like, capital gains tax from the growth of the investments, but because you're in pension phase, that's all pretty well wiped out as it is. So you don't get capital gains tax. You don't get a fee.\n\nYou don't get a tax. It's pretty well free. No. Because you're not in transition or anything. That's all good.\n\nThe only thing that I just want to be careful on is if you give me an indication of how much you need and when you might need it is I was just having a little play around with the investments, and I just wanna make sure you've got cash there. Because right now, there's heaps of cash, and you can pull it all you can pull it out for that. If it's sitting in investment, you might get a a week or two delay for it to sell down enough. So let's say it's all invested and you wanted $40 or something like that, it may take a week or two to actually get it into cash to get out to your bank. Yeah.\n\nYeah. Do you want me to organize that this week with you so that $30.35 comes out and then you've got it there? Yeah. Easy done. That'd be perfect.\n\nIf you send through an email with how much you need, I'll reply back with that transaction authority, get the withdrawal done, and then I'll just update the investments after that. Cool. Sounds good. So I'm just gonna put a couple of notes on the file while I've got you here, and we'll say potential withdrawal of approximately 30 to 35,000 for a car to be paid from pension account by a transaction authority and north transaction pending email from Jeff and then rebalance. And I'll rebalance your investments after that.\n\nBecause, basically, what I wanna do is if I can get the withdrawal sorted for you this week, is come Monday, Tuesday, I can just rebalance your investments, and you're good to go. Yeah. All Awesome. I've seen the contributions come through. Yeah.\n\nWell, we pretty much used up what we could for we pretty much used up what we could when we did all of the contribution strategy originally. The only thing that I was thinking was maybe a little bit of a concessional contribution towards the end of financial year, but it really depends on where your income's gonna end come June 30 approximately. And because you get a few different sources, are you still getting a couple of different source of income? Yeah. Because, again, if it's not gonna be much of a benefit, there's no point doing some extra contributions and things like that.\n\nIf you can afford to put more into super, that's great because, again, you've got it to access anyway. But if your tax bracket's low enough, wouldn't worry too much. If you're bumping up towards the 32% or above, then, yeah, definitely. Fantastic. Okay.\n\nI'll put in a couple of sort of tentative draft trades on your MyNorth account. All in all, it's it's kinda doing its thing. It's still up 4%. So everything that you've been taking out from the withdrawals, it's pretty well been made back in interest anyway. And, look, world's going crazy.\n\nIt's not it's not plummeting or anything like that, so it's it's kinda doing its thing. No. That's okay. We can do, like, a bit of a catch up end of financial year where I can send you some reports and everything just to show you how it's going. You don't have to sort of watch it or panic or anything like that.\n\nI can I can keep an eye on it? But, again, it's a bit of a stress test because we put you in something pretty conservative to make sure you don't have high risk. And I just wanna say, like, compared to the market, how much it's fluctuating, and then I can give you an indication if there's a big crash, how much you stand for it to drop, and how much for it to bounce back. Awesome. So what I'll do, I'll just wait for your email.\n\nIf I don't hear from you, I'll reach out, but we'll get the withdrawal first. We'll rebalance the investments, and then we'll catch up about contributions and performance around end of financial year. Awesome, mate. Any questions for me? Fantastic, mate.\n\nYou have a fantastic day, and I'll talk to you soon. Thanks, Jeff. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jeffrey.","start":7.68,"end":8.4,"sentiment":"neutral","sentiment_score":0.06798583641648293},{"text":"It's Tommy here from IQ Financial.","start":8.4,"end":10.08,"sentiment":"neutral","sentiment_score":0.08240945637226105},{"text":"How are you doing?","start":10.08,"end":10.9,"sentiment":"neutral","sentiment_score":0.11111201345920563},{"text":"Hey.","start":12.575001,"end":12.735001,"sentiment":"neutral","sentiment_score":0.07789350301027298},{"text":"Good.","start":12.735001,"end":12.895,"sentiment":"neutral","sentiment_score":0.22875937819480896}],"sentiment":"neutral","sentiment_score":0.09868066757917404,"num_words":14,"start":7.68,"end":12.895},{"sentences":[{"text":"Thank you.","start":12.895,"end":13.215,"sentiment":"neutral","sentiment_score":0.2711450159549713},{"text":"Sorry.","start":13.215,"end":13.455,"sentiment":"neutral","sentiment_score":-0.06534570455551147},{"text":"I thought it was going through to voice message for a second there.","start":13.455,"end":16.835,"sentiment":"neutral","sentiment_score":-0.11731506139039993},{"text":"No.","start":19.615,"end":19.855,"sentiment":"neutral","sentiment_score":-0.14238938689231873},{"text":"All good, mate.","start":19.855,"end":20.494999,"sentiment":"neutral","sentiment_score":0.0025283166517814}],"sentiment":"neutral","sentiment_score":-0.05914779538288713,"num_words":20,"start":12.895,"end":20.494999},{"sentences":[{"text":"All good, mate.","start":20.494999,"end":21.135,"sentiment":"neutral","sentiment_score":0.12686716516812643},{"text":"It's good to hear from you.","start":21.135,"end":22.494999,"sentiment":"neutral","sentiment_score":-0.018346175240973633},{"text":"Good to chat to you again.","start":22.494999,"end":23.795,"sentiment":"neutral","sentiment_score":0.06755444655815761},{"text":"Yes, mate.","start":28.83,"end":29.470001,"sentiment":"neutral","sentiment_score":0.2691998928785324},{"text":"It's been fantastic.","start":29.470001,"end":30.29,"sentiment":"positive","sentiment_score":0.716341237227122}],"sentiment":"neutral","sentiment_score":0.1681637310422957,"num_words":20,"start":20.494999,"end":30.29},{"sentences":[{"text":"Christmas was good.","start":30.67,"end":31.630001,"sentiment":"positive","sentiment_score":0.6305619676907858},{"text":"New Year's has been crazy.","start":31.630001,"end":32.93,"sentiment":"neutral","sentiment_score":0.11382134705781936},{"text":"First couple of months of the year has just been kind of roller coaster, which is always good.","start":33.23,"end":36.91,"sentiment":"neutral","sentiment_score":-0.05402999391986264},{"text":"Busy busy.","start":36.91,"end":37.47,"sentiment":"neutral","sentiment_score":-0.09529543668031693},{"text":"What about you?","start":37.47,"end":38.415,"sentiment":"neutral","sentiment_score":-0.021269650508960087}],"sentiment":"neutral","sentiment_score":0.03980170719085201,"num_words":31,"start":30.67,"end":38.415},{"sentences":[{"text":"Oh, nice.","start":49.615,"end":50.335,"sentiment":"neutral","sentiment_score":0.2053575962781906},{"text":"Nice.","start":50.335,"end":50.835,"sentiment":"neutral","sentiment_score":0.2018154114484787},{"text":"Would have been would have been cold, wouldn't it?","start":52.2,"end":55.26,"sentiment":"neutral","sentiment_score":-0.0038596859408749472},{"text":"Yeah.","start":61.96,"end":62.46,"sentiment":"neutral","sentiment_score":0.06002208963036537},{"text":"Awesome.","start":62.68,"end":63.18,"sentiment":"neutral","sentiment_score":0.17994427680969238}],"sentiment":"neutral","sentiment_score":0.058411414069788795,"num_words":14,"start":49.615,"end":63.18},{"sentences":[{"text":"Awesome.","start":63.905003,"end":64.225,"sentiment":"neutral","sentiment_score":0.2778780162334442},{"text":"Awesome.","start":64.225,"end":64.725,"sentiment":"neutral","sentiment_score":0.32177069783210754},{"text":"Mate, I've got a little message in here.","start":65.265,"end":67.265,"sentiment":"neutral","sentiment_score":0.02820292883552611},{"text":"Let me just quickly do the usual security check with you.","start":67.265,"end":70.065,"sentiment":"neutral","sentiment_score":0.03230010768906637},{"text":"I know it's you, but you're okay for the calls to be recorded, mate?","start":70.065,"end":74.565,"sentiment":"neutral","sentiment_score":0.02543070420090641}],"sentiment":"neutral","sentiment_score":0.04390294823263373,"num_words":35,"start":63.905003,"end":74.565},{"sentences":[{"text":"And just need your date of birth and address, please.","start":75.840004,"end":78.5,"sentiment":"neutral","sentiment_score":0.021288431715220213},{"text":"Fantastic.","start":84.96,"end":85.46,"sentiment":"neutral","sentiment_score":0.3213039040565491},{"text":"The guys are letting me know that you're you're gonna buy a car.","start":86.4,"end":89.46,"sentiment":"neutral","sentiment_score":0.010224394213694792},{"text":"Finally.","start":94.545,"end":95.045,"sentiment":"neutral","sentiment_score":-0.16889193654060364},{"text":"Yeah.","start":98.865,"end":99.265,"sentiment":"neutral","sentiment_score":0.0004986543208360672}],"sentiment":"neutral","sentiment_score":0.019181233221808307,"num_words":26,"start":75.840004,"end":99.265},{"sentences":[{"text":"Yeah.","start":99.265,"end":99.585,"sentiment":"neutral","sentiment_score":0.02170495130121708},{"text":"That's always the way.","start":99.585,"end":100.545,"sentiment":"neutral","sentiment_score":0.048803568817675114},{"text":"How much do you need out for the the next one?","start":100.545,"end":103.08,"sentiment":"neutral","sentiment_score":-0.011648990552533756},{"text":"K.","start":106.840004,"end":107.340004,"sentiment":"neutral","sentiment_score":-0.006135635077953339},{"text":"Yeah.","start":110.28,"end":110.68,"sentiment":"neutral","sentiment_score":0.30386054515838623}],"sentiment":"neutral","sentiment_score":0.02147251336524884,"num_words":18,"start":99.265,"end":110.68},{"sentences":[{"text":"The good thing is we've got you all set up.","start":110.68,"end":112.520004,"sentiment":"positive","sentiment_score":0.633840662240982},{"text":"Like, everything besides $16 is sitting in full account based pension.","start":112.520004,"end":118.700005,"sentiment":"positive","sentiment_score":0.46127860112623736},{"text":"So you have full access to 470,000.","start":119.215004,"end":123.155,"sentiment":"positive","sentiment_score":0.4369016545159476},{"text":"So what we do in these cases is, like, I've got access, like, your accounts linked up for all your pension payments coming out.","start":126.015,"end":132.81,"sentiment":"neutral","sentiment_score":0.2063751115153233},{"text":"I've got access to even submit a withdrawal on your behalf.","start":132.89,"end":136.27,"sentiment":"neutral","sentiment_score":0.17846012521873822}],"sentiment":"positive","sentiment_score":0.3394737598441896,"num_words":63,"start":110.68,"end":136.27},{"sentences":[{"text":"And I I would need to send you, like, a a transaction authority for you to say, hey.","start":136.65,"end":141.69,"sentiment":"neutral","sentiment_score":0.09113809424969885},{"text":"Look.","start":141.69,"end":141.93,"sentiment":"neutral","sentiment_score":0.0983392894268036},{"text":"I I did request this, and then I can submit.","start":141.93,"end":144.51,"sentiment":"neutral","sentiment_score":0.10033087767660617},{"text":"Yeah.","start":149.19499,"end":149.515,"sentiment":"neutral","sentiment_score":0.022822007536888123},{"text":"Yeah.","start":149.515,"end":150.015,"sentiment":"neutral","sentiment_score":-0.004949510097503662}],"sentiment":"neutral","sentiment_score":0.08903246000409126,"num_words":31,"start":136.65,"end":150.015},{"sentences":[{"text":"Now you're all in pension phase, my friend.","start":152.795,"end":155.61499,"sentiment":"neutral","sentiment_score":-0.01435640244744718},{"text":"What would normally happen is if you've got, like, seven, eight investment options, they go up and down in value.","start":164.81,"end":172.53499,"sentiment":"neutral","sentiment_score":-0.08013867791742087},{"text":"There's usually, like, capital gains tax from the growth of the investments, but because you're in pension phase, that's all pretty well wiped out as it is.","start":172.53499,"end":179.67499,"sentiment":"neutral","sentiment_score":-0.0853425679659402},{"text":"So you don't get capital gains tax.","start":179.81499,"end":182.45499,"sentiment":"neutral","sentiment_score":-0.00017779533352170473},{"text":"You don't get a fee.","start":182.45499,"end":183.735,"sentiment":"neutral","sentiment_score":0.0831451654434204}],"sentiment":"neutral","sentiment_score":-0.053841684375013875,"num_words":67,"start":152.795,"end":183.735},{"sentences":[{"text":"You don't get a tax.","start":183.735,"end":184.855,"sentiment":"neutral","sentiment_score":0.09398747310042381},{"text":"It's pretty well free.","start":184.855,"end":190.20999,"sentiment":"neutral","sentiment_score":0.13357574306428432},{"text":"No.","start":190.83,"end":191.33,"sentiment":"neutral","sentiment_score":0.04859902709722519},{"text":"Because you're not in transition or anything.","start":191.47,"end":193.47,"sentiment":"neutral","sentiment_score":0.10580310970544815},{"text":"That's all good.","start":193.47,"end":194.45,"sentiment":"positive","sentiment_score":0.5053390562534332}],"sentiment":"neutral","sentiment_score":0.16547391507774592,"num_words":20,"start":183.735,"end":194.45},{"sentences":[{"text":"The only thing that I just want to be careful on is if you give me an indication of how much you need and when you might need it is I was just having a little play around with the investments, and I just wanna make sure you've got cash there.","start":194.75,"end":206.675,"sentiment":"neutral","sentiment_score":-0.06677512159826708},{"text":"Because right now, there's heaps of cash, and you can pull it all you can pull it out for that.","start":206.675,"end":211.495,"sentiment":"neutral","sentiment_score":0.02442842647433281},{"text":"If it's sitting in investment, you might get a a week or two delay for it to sell down enough.","start":211.795,"end":215.955,"sentiment":"neutral","sentiment_score":-0.21139277406036855},{"text":"So let's say it's all invested and you wanted $40 or something like that, it may take a week or two to actually get it into cash to get out to your bank.","start":215.955,"end":224.63,"sentiment":"neutral","sentiment_score":-0.10015919234490755},{"text":"Yeah.","start":229.66501,"end":229.905,"sentiment":"neutral","sentiment_score":0.09730201959609984}],"sentiment":"neutral","sentiment_score":-0.08282215584814548,"num_words":125,"start":194.75,"end":229.905},{"sentences":[{"text":"Yeah.","start":229.905,"end":230.405,"sentiment":"neutral","sentiment_score":0.10972824692726137},{"text":"Do you want me to organize that this week with you so that $30.35 comes out and then you've got it there?","start":230.625,"end":239.605,"sentiment":"neutral","sentiment_score":0.14046006751331416},{"text":"Yeah.","start":256.415,"end":256.735,"sentiment":"neutral","sentiment_score":0.10327830910682678},{"text":"Easy done.","start":256.735,"end":257.635,"sentiment":"positive","sentiment_score":0.6335033178329468},{"text":"That'd be perfect.","start":262.495,"end":263.395,"sentiment":"positive","sentiment_score":0.630109985669454}],"sentiment":"neutral","sentiment_score":0.2227746425517674,"num_words":29,"start":229.905,"end":263.395},{"sentences":[{"text":"If you send through an email with how much you need, I'll reply back with that transaction authority, get the withdrawal done, and then I'll just update the investments after that.","start":263.535,"end":273.6,"sentiment":"neutral","sentiment_score":0.19353124258979673},{"text":"Cool.","start":276.78,"end":277.28,"sentiment":"positive","sentiment_score":0.6424291133880615},{"text":"Sounds good.","start":277.74,"end":278.3,"sentiment":"positive","sentiment_score":0.6280601620674133},{"text":"So I'm just gonna put a couple of notes on the file while I've got you here, and we'll say potential withdrawal of approximately 30 to 35,000 for a car to be paid from pension account by a transaction authority and north transaction pending email from Jeff and then rebalance.","start":278.3,"end":307.37,"sentiment":"neutral","sentiment_score":0.14237344309687613},{"text":"And I'll rebalance your investments after that.","start":307.66998,"end":310.305,"sentiment":"neutral","sentiment_score":0.08898573794535228}],"sentiment":"neutral","sentiment_score":0.17186362943151495,"num_words":91,"start":263.535,"end":310.305},{"sentences":[{"text":"Because, basically, what I wanna do is if I can get the withdrawal sorted for you this week, is come Monday, Tuesday, I can just rebalance your investments, and you're good to go.","start":311.82498,"end":320.245,"sentiment":"positive","sentiment_score":0.33833517359964776},{"text":"Yeah.","start":334.895,"end":335.395,"sentiment":"neutral","sentiment_score":0.04055171459913254},{"text":"All Awesome.","start":338.975,"end":340.175,"sentiment":"positive","sentiment_score":0.5213098078966141},{"text":"I've seen the contributions come through.","start":340.175,"end":342.275,"sentiment":"neutral","sentiment_score":0.29595662156740826},{"text":"Yeah.","start":343.29498,"end":343.79498,"sentiment":"neutral","sentiment_score":0.003266768530011177}],"sentiment":"neutral","sentiment_score":0.3262148501654697,"num_words":43,"start":311.82498,"end":343.79498},{"sentences":[{"text":"Well, we pretty much used up what we could for we pretty much used up what we could when we did all of the contribution strategy originally.","start":352.19,"end":361.81,"sentiment":"neutral","sentiment_score":-0.12047687297066052},{"text":"The only thing that I was thinking was maybe a little bit of a concessional contribution towards the end of financial year, but it really depends on where your income's gonna end come June 30 approximately.","start":363.66498,"end":376.58002,"sentiment":"neutral","sentiment_score":-0.0424674809910357},{"text":"And because you get a few different sources, are you still getting a couple of different source of income?","start":379.28,"end":384.5,"sentiment":"neutral","sentiment_score":-0.01424515735063898},{"text":"Yeah.","start":395.85498,"end":396.335,"sentiment":"neutral","sentiment_score":0.013797687366604803},{"text":"Because, again, if it's not gonna be much of a benefit, there's no point doing some extra contributions and things like that.","start":396.335,"end":402.31,"sentiment":"neutral","sentiment_score":-0.03852644558487968}],"sentiment":"neutral","sentiment_score":-0.056058542771885794,"num_words":105,"start":352.19,"end":402.31},{"sentences":[{"text":"If you can afford to put more into super, that's great because, again, you've got it to access anyway.","start":402.77002,"end":407.59,"sentiment":"neutral","sentiment_score":0.27434954988329036},{"text":"But if your tax bracket's low enough, wouldn't worry too much.","start":409.01,"end":412.71002,"sentiment":"neutral","sentiment_score":0.10334821113131264},{"text":"If you're bumping up towards the 32% or above, then, yeah, definitely.","start":412.865,"end":417.125,"sentiment":"neutral","sentiment_score":0.11503078167637189},{"text":"Fantastic.","start":423.825,"end":424.325,"sentiment":"positive","sentiment_score":0.49930232763290405},{"text":"Okay.","start":424.865,"end":425.265,"sentiment":"neutral","sentiment_score":0.18694303929805756}],"sentiment":"neutral","sentiment_score":0.19127469357441773,"num_words":44,"start":402.77002,"end":425.265},{"sentences":[{"text":"I'll put in a couple of sort of tentative draft trades on your MyNorth account.","start":425.265,"end":431.07,"sentiment":"neutral","sentiment_score":0.16660530269145965},{"text":"All in all, it's it's kinda doing its thing.","start":432.41,"end":434.33002,"sentiment":"neutral","sentiment_score":0.30978576673401725},{"text":"It's still up 4%.","start":434.33002,"end":436.41,"sentiment":"neutral","sentiment_score":0.19944240525364876},{"text":"So everything that you've been taking out from the withdrawals, it's pretty well been made back in interest anyway.","start":436.41,"end":442.03,"sentiment":"positive","sentiment_score":0.33527797538983195},{"text":"And, look, world's going crazy.","start":442.41,"end":444.885,"sentiment":"neutral","sentiment_score":0.11148832961916924}],"sentiment":"neutral","sentiment_score":0.25024315850952494,"num_words":52,"start":425.265,"end":444.885},{"sentences":[{"text":"It's not it's not plummeting or anything like that, so it's it's kinda doing its thing.","start":445.42502,"end":449.52502,"sentiment":"neutral","sentiment_score":0.06527327047660947},{"text":"No.","start":460.56,"end":460.72,"sentiment":"neutral","sentiment_score":-0.10641594231128693},{"text":"That's okay.","start":460.72,"end":461.46,"sentiment":"neutral","sentiment_score":-0.14155800640583038},{"text":"We can do, like, a bit of a catch up end of financial year where I can send you some reports and everything just to show you how it's going.","start":462.88,"end":469.13998,"sentiment":"neutral","sentiment_score":0.0888136651366949},{"text":"You don't have to sort of watch it or panic or anything like that.","start":470.38498,"end":473.745,"sentiment":"neutral","sentiment_score":0.02695629931986332}],"sentiment":"neutral","sentiment_score":0.05867680185844028,"num_words":63,"start":445.42502,"end":473.745},{"sentences":[{"text":"I can I can keep an eye on it?","start":473.745,"end":475.66498,"sentiment":"neutral","sentiment_score":0.055203291277090706},{"text":"But, again, it's a bit of a stress test because we put you in something pretty conservative to make sure you don't have high risk.","start":475.66498,"end":483.125,"sentiment":"neutral","sentiment_score":-0.01637245997786522},{"text":"And I just wanna say, like, compared to the market, how much it's fluctuating, and then I can give you an indication if there's a big crash, how much you stand for it to drop, and how much for it to bounce back.","start":483.53998,"end":493.87997,"sentiment":"neutral","sentiment_score":-0.032271728612655814},{"text":"Awesome.","start":499.155,"end":499.655,"sentiment":"positive","sentiment_score":0.38483870029449463},{"text":"So what I'll do, I'll just wait for your email.","start":499.95502,"end":503.015,"sentiment":"neutral","sentiment_score":0.10005565509200096}],"sentiment":"neutral","sentiment_score":0.0009685118513351136,"num_words":88,"start":473.745,"end":503.015},{"sentences":[{"text":"If I don't hear from you, I'll reach out, but we'll get the withdrawal first.","start":503.315,"end":507.23502,"sentiment":"neutral","sentiment_score":0.05051712170243263},{"text":"We'll rebalance the investments, and then we'll catch up about contributions and performance around end of financial year.","start":507.23502,"end":514.11,"sentiment":"neutral","sentiment_score":0.10794076944390933},{"text":"Awesome, mate.","start":516.33,"end":516.97003,"sentiment":"positive","sentiment_score":0.47879162430763245},{"text":"Any questions for me?","start":516.97003,"end":518.19,"sentiment":"neutral","sentiment_score":0.20097136870026588},{"text":"Fantastic, mate.","start":523.92285,"end":524.8829,"sentiment":"positive","sentiment_score":0.8957386016845703}],"sentiment":"neutral","sentiment_score":0.15252772200761772,"num_words":41,"start":503.315,"end":524.8829},{"sentences":[{"text":"You have a fantastic day, and I'll talk to you soon.","start":524.8829,"end":527.7028,"sentiment":"positive","sentiment_score":0.8188787482001565},{"text":"Thanks, Jeff.","start":529.5228,"end":530.24286,"sentiment":"positive","sentiment_score":0.6573243737220764},{"text":"Bye.","start":530.24286,"end":530.74286,"sentiment":"neutral","sentiment_score":-0.11320415139198305}],"sentiment":"positive","sentiment_score":0.729222201875278,"num_words":14,"start":524.8829,"end":530.74286}]}}]},{"alternatives":[{"transcript":"Goodbye. How are you? Yeah. Probably stupid me. Hit the wrong button. Yeah. Yeah. It's good. Yeah. How you been? Alright? Yeah. Yeah. I'm busy. Just come got back from The States. That was good. Went over there for a month. Went to Florida, and then we did a road trip up to Washington, DC. Yes. So that that was good. We got Florida was was beautiful, but as the further north we went, so yeah. The color got yeah. Yeah. It was good. Yeah. Sure. Twenty five five sixty, Number 3, Moreton View Parade, Red Land Bay, Queensland. Again, my one's the the gearbox is just about to go, and it's gonna cost it's gonna cost more to fix it than it's worth. I'm not quite sure yet. It is possible, is it? Yep. Okay. K. Yep. Okay. Sure. Questions I have. Is there any tax implications? Okay. Alright. What what was my original? What was that? Are there any penalties applicable? Okay. Oh, okay. And it doesn't matter if it's this financial year or next financial year. Okay. Right. Yeah. Okay. So, yeah, I was thinking about $30.35 grand, something like that. Can I can I can I do a bit of research tonight just to make sure I'm quoting the right figure for for possibly what we want? How's that? And I'll just send you an email and tell you how much. Yeah. Yep. Okay. Sounds good. Yep. Yeah. Okay. K. Yep. Okay. Last question. I've been putting in super payments because the company I'm working for contracting for, they just give me a lump sum. And I pay I've been paying my own super, so I've been depositing. Do I have to oh, you have? Okay. Do I need to put more in or for the before the end of financial year or just okay. Yeah. Right. Okay. I can't. Yeah. Yeah. Okay. I'll I'll start doing some some some work and work out how much approximately I might be at at the end of the financial year. Okay? Okay. Yep. Yeah. Yeah. Okay. Alright. I'll do an approximation of that, and I shall let you know about that one. Yep. Harold. Yeah. Okay. That's good. Yeah. I I haven't be I haven't opened the app to have a look because I was too scared on on where where where it went with all this war war stuff going on. Yeah. Yeah. Okay. Okay. Yep. Yep. Yep. Okay. Okay. Alright. That'd be good. Okay. Yep. Okay. Good on your time. No. That's all. So you've answered everything I needed to know. Yeah. All it's all good. Alright, mate. Thank you very much. Bye 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How are you? Yeah. Probably stupid me. Hit the wrong button.\n\nYeah. Yeah. It's good. Yeah. How you been?\n\nAlright? Yeah. Yeah. I'm busy. Just come got back from The States.\n\nThat was good. Went over there for a month. Went to Florida, and then we did a road trip up to Washington, DC. Yes. So that that was good.\n\nWe got Florida was was beautiful, but as the further north we went, so yeah. The color got yeah. Yeah. It was good. Yeah.\n\nSure. Twenty five five sixty, Number 3, Moreton View Parade, Red Land Bay, Queensland. Again, my one's the the gearbox is just about to go, and it's gonna cost it's gonna cost more to fix it than it's worth. I'm not quite sure yet. It is possible, is it?\n\nYep. Okay. K. Yep. Okay.\n\nSure. Questions I have. Is there any tax implications? Okay. Alright.\n\nWhat what was my original? What was that? Are there any penalties applicable? Okay. Oh, okay.\n\nAnd it doesn't matter if it's this financial year or next financial year. Okay. Right. Yeah. Okay.\n\nSo, yeah, I was thinking about $30.35 grand, something like that. Can I can I can I do a bit of research tonight just to make sure I'm quoting the right figure for for possibly what we want? How's that? And I'll just send you an email and tell you how much. Yeah.\n\nYep. Okay. Sounds good. Yep. Yeah.\n\nOkay. K. Yep. Okay. Last question.\n\nI've been putting in super payments because the company I'm working for contracting for, they just give me a lump sum. And I pay I've been paying my own super, so I've been depositing. Do I have to oh, you have? Okay. Do I need to put more in or for the before the end of financial year or just okay.\n\nYeah. Right. Okay. I can't. Yeah.\n\nYeah. Okay. I'll I'll start doing some some some work and work out how much approximately I might be at at the end of the financial year. Okay? Okay.\n\nYep. Yeah. Yeah. Okay. Alright.\n\nI'll do an approximation of that, and I shall let you know about that one. Yep. Harold. Yeah. Okay.\n\nThat's good. Yeah. I I haven't be I haven't opened the app to have a look because I was too scared on on where where where it went with all this war war stuff going on. Yeah. Yeah.\n\nOkay. Okay. Yep. Yep. Yep.\n\nOkay. Okay. Alright. That'd be good. Okay.\n\nYep. Okay. Good on your time. No. That's all.\n\nSo you've answered everything I needed to know. Yeah. All it's all good. Alright, mate. Thank you very much.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Goodbye.","start":11.2,"end":11.679999,"sentiment":"neutral","sentiment_score":0.02395264618098736},{"text":"How are you?","start":11.679999,"end":12.285,"sentiment":"neutral","sentiment_score":0.04964588085810343},{"text":"Yeah.","start":17.005,"end":17.165,"sentiment":"neutral","sentiment_score":-0.05564836412668228},{"text":"Probably stupid me.","start":17.165,"end":19.025,"sentiment":"neutral","sentiment_score":-0.1493681420882543},{"text":"Hit the wrong button.","start":20.925,"end":21.985,"sentiment":"neutral","sentiment_score":-0.01946228859014809}],"sentiment":"neutral","sentiment_score":-0.034059304666394986,"num_words":12,"start":11.2,"end":21.985},{"sentences":[{"text":"Yeah.","start":23.085,"end":23.585,"sentiment":"neutral","sentiment_score":0.05600962787866592},{"text":"Yeah.","start":24.205,"end":24.445,"sentiment":"neutral","sentiment_score":0.10735519975423811},{"text":"It's good.","start":24.445,"end":24.925,"sentiment":"neutral","sentiment_score":0.21245229989290237},{"text":"Yeah.","start":24.925,"end":25.425,"sentiment":"neutral","sentiment_score":0.10344122350215912},{"text":"How you been?","start":27.325,"end":27.884998,"sentiment":"neutral","sentiment_score":0.07573689023653667}],"sentiment":"neutral","sentiment_score":0.11486516520380974,"num_words":8,"start":23.085,"end":27.884998},{"sentences":[{"text":"Alright?","start":27.884998,"end":28.23,"sentiment":"neutral","sentiment_score":0.07139913737773895},{"text":"Yeah.","start":33.59,"end":34.09,"sentiment":"neutral","sentiment_score":0.018979020416736603},{"text":"Yeah.","start":39.11,"end":39.43,"sentiment":"neutral","sentiment_score":0.005933978594839573},{"text":"I'm busy.","start":39.43,"end":40.09,"sentiment":"neutral","sentiment_score":0.0057111254427582026},{"text":"Just come got back from The States.","start":40.55,"end":42.07,"sentiment":"neutral","sentiment_score":0.038738876049007685}],"sentiment":"neutral","sentiment_score":0.03157554330149045,"num_words":12,"start":27.884998,"end":42.07},{"sentences":[{"text":"That was good.","start":42.07,"end":43.11,"sentiment":"neutral","sentiment_score":0.24575755496819815},{"text":"Went over there for a month.","start":43.11,"end":44.205,"sentiment":"neutral","sentiment_score":0.046750775227944054},{"text":"Went to Florida, and then we did a road trip up to Washington, DC.","start":46.045002,"end":49.185,"sentiment":"neutral","sentiment_score":0.03189660143107176},{"text":"Yes.","start":51.565002,"end":52.045002,"sentiment":"neutral","sentiment_score":0.09988367557525636},{"text":"So that that was good.","start":52.045002,"end":52.925003,"sentiment":"neutral","sentiment_score":0.10651638805866241}],"sentiment":"neutral","sentiment_score":0.07230328800606317,"num_words":29,"start":42.07,"end":52.925003},{"sentences":[{"text":"We got Florida was was beautiful, but as the further north we went, so yeah.","start":52.925003,"end":60.54,"sentiment":"neutral","sentiment_score":0.00814088862389326},{"text":"The color got yeah.","start":60.54,"end":62.08,"sentiment":"neutral","sentiment_score":0.011342913145199418},{"text":"Yeah.","start":63.9,"end":64.14,"sentiment":"neutral","sentiment_score":0.14161956310272217},{"text":"It was good.","start":64.14,"end":64.880005,"sentiment":"neutral","sentiment_score":0.28001876672108966},{"text":"Yeah.","start":65.42,"end":65.92,"sentiment":"neutral","sentiment_score":0.06019402667880058}],"sentiment":"neutral","sentiment_score":0.05038978632849952,"num_words":24,"start":52.925003,"end":65.92},{"sentences":[{"text":"Sure.","start":74.94,"end":75.44,"sentiment":"neutral","sentiment_score":0.019881468266248703},{"text":"Twenty five five sixty, Number 3, Moreton View Parade, Red Land Bay, Queensland.","start":78.965,"end":84.744995,"sentiment":"neutral","sentiment_score":0.024372954064836867},{"text":"Again, my one's the the gearbox is just about to go, and it's gonna cost it's gonna cost more to fix it than it's worth.","start":90.805,"end":98.44,"sentiment":"neutral","sentiment_score":-0.15252945333719253},{"text":"I'm not quite sure yet.","start":105.045,"end":106.34499,"sentiment":"neutral","sentiment_score":-0.17042295634746552},{"text":"It is possible, is it?","start":108.485,"end":110.104996,"sentiment":"neutral","sentiment_score":0.05654347464442253}],"sentiment":"neutral","sentiment_score":-0.08256946675175307,"num_words":49,"start":74.94,"end":110.104996},{"sentences":[{"text":"Yep.","start":119.445,"end":119.945,"sentiment":"positive","sentiment_score":0.399308979511261},{"text":"Okay.","start":123.85,"end":124.35,"sentiment":"neutral","sentiment_score":0.20711764693260193},{"text":"K.","start":125.21,"end":125.71,"sentiment":"neutral","sentiment_score":0.1521037518978119},{"text":"Yep.","start":133.45,"end":133.815,"sentiment":"neutral","sentiment_score":0.2501693367958069},{"text":"Okay.","start":134.375,"end":134.875,"sentiment":"neutral","sentiment_score":0.14263850450515747}],"sentiment":"neutral","sentiment_score":0.23026764392852783,"num_words":5,"start":119.445,"end":134.875},{"sentences":[{"text":"Sure.","start":143.735,"end":144.235,"sentiment":"neutral","sentiment_score":0.1428714394569397},{"text":"Questions I have.","start":147.335,"end":148.55501,"sentiment":"neutral","sentiment_score":0.04406830295920372},{"text":"Is there any tax implications?","start":150.06001,"end":151.44,"sentiment":"neutral","sentiment_score":-0.0687828652560711},{"text":"Okay.","start":156.06001,"end":156.56001,"sentiment":"neutral","sentiment_score":0.008661886677145958},{"text":"Alright.","start":156.62001,"end":157.12001,"sentiment":"neutral","sentiment_score":0.016050972044467926}],"sentiment":"neutral","sentiment_score":-0.004011374474926429,"num_words":11,"start":143.735,"end":157.12001},{"sentences":[{"text":"What what was my original?","start":159.02,"end":160.22,"sentiment":"neutral","sentiment_score":-0.034858159720897675},{"text":"What was that?","start":160.22,"end":160.86,"sentiment":"neutral","sentiment_score":-0.05419054999947548},{"text":"Are there any penalties applicable?","start":160.86,"end":162.88,"sentiment":"neutral","sentiment_score":-0.07582106962800025},{"text":"Okay.","start":180.03,"end":180.53,"sentiment":"neutral","sentiment_score":0.048328157514333725},{"text":"Oh, okay.","start":186.59,"end":187.39,"sentiment":"neutral","sentiment_score":0.1965504288673401}],"sentiment":"neutral","sentiment_score":-0.017158673843368888,"num_words":16,"start":159.02,"end":187.39},{"sentences":[{"text":"And it doesn't matter if it's this financial year or next financial year.","start":187.39,"end":190.45,"sentiment":"neutral","sentiment_score":0.11806045357997601},{"text":"Okay.","start":196.445,"end":196.945,"sentiment":"neutral","sentiment_score":-0.07831232994794846},{"text":"Right.","start":205.16501,"end":205.66501,"sentiment":"neutral","sentiment_score":-0.041953667998313904},{"text":"Yeah.","start":211.09999,"end":211.59999,"sentiment":"neutral","sentiment_score":-0.008273778483271599},{"text":"Okay.","start":224.98499,"end":225.48499,"sentiment":"neutral","sentiment_score":0.01213865913450718}],"sentiment":"neutral","sentiment_score":0.08343439877909772,"num_words":17,"start":187.39,"end":225.48499},{"sentences":[{"text":"So, yeah, I was thinking about $30.35 grand, something like that.","start":225.545,"end":229.245,"sentiment":"neutral","sentiment_score":0.015905477953228084},{"text":"Can I can I can I do a bit of research tonight just to make sure I'm quoting the right figure for for possibly what we want?","start":244.09999,"end":255.705,"sentiment":"neutral","sentiment_score":0.09634629623205573},{"text":"How's that?","start":256.485,"end":257.225,"sentiment":"neutral","sentiment_score":0.18802964687347412},{"text":"And I'll just send you an email and tell you how much.","start":257.605,"end":261.525,"sentiment":"neutral","sentiment_score":0.17498677596449852},{"text":"Yeah.","start":261.525,"end":262.025,"sentiment":"positive","sentiment_score":0.36414700746536255}],"sentiment":"neutral","sentiment_score":0.10596901638749635,"num_words":53,"start":225.545,"end":262.025},{"sentences":[{"text":"Yep.","start":273.9,"end":274.14,"sentiment":"neutral","sentiment_score":0.22116848826408383},{"text":"Okay.","start":274.14,"end":274.64,"sentiment":"positive","sentiment_score":0.34499698877334595},{"text":"Sounds good.","start":276.275,"end":277.09497,"sentiment":"positive","sentiment_score":0.5987391471862793},{"text":"Yep.","start":282.275,"end":282.775,"sentiment":"neutral","sentiment_score":0.0675588846206665},{"text":"Yeah.","start":310.85498,"end":311.095,"sentiment":"neutral","sentiment_score":0.16103258728981018}],"sentiment":"neutral","sentiment_score":0.3320392072200775,"num_words":6,"start":273.9,"end":311.095},{"sentences":[{"text":"Okay.","start":311.095,"end":311.57498,"sentiment":"neutral","sentiment_score":0.14459899067878723},{"text":"K.","start":311.57498,"end":312.07498,"sentiment":"neutral","sentiment_score":0.13943742215633392},{"text":"Yep.","start":316.215,"end":316.47,"sentiment":"neutral","sentiment_score":0.2595178782939911},{"text":"Okay.","start":320.63,"end":321.13,"sentiment":"neutral","sentiment_score":0.11169611662626266},{"text":"Last question.","start":322.31,"end":323.13,"sentiment":"neutral","sentiment_score":0.012228622217662632}],"sentiment":"neutral","sentiment_score":0.11328460869845003,"num_words":6,"start":311.095,"end":323.13},{"sentences":[{"text":"I've been putting in super payments because the company I'm working for contracting for, they just give me a lump sum.","start":324.15,"end":333.625,"sentiment":"neutral","sentiment_score":0.039448323260460584},{"text":"And I pay I've been paying my own super, so I've been depositing.","start":334.565,"end":337.785,"sentiment":"neutral","sentiment_score":0.05623061224245108},{"text":"Do I have to oh, you have?","start":339.765,"end":342.745,"sentiment":"neutral","sentiment_score":0.2631648880030428},{"text":"Okay.","start":342.965,"end":343.465,"sentiment":"neutral","sentiment_score":0.014210280030965803},{"text":"Do I need to put more in or for the before the end of financial year or just okay.","start":344.04,"end":357.34,"sentiment":"neutral","sentiment_score":-0.021982915356363122}],"sentiment":"neutral","sentiment_score":0.04914921068693282,"num_words":61,"start":324.15,"end":357.34},{"sentences":[{"text":"Yeah.","start":362.47498,"end":362.97498,"sentiment":"neutral","sentiment_score":-0.02946074679493904},{"text":"Right.","start":377.73,"end":378.23,"sentiment":"neutral","sentiment_score":-0.0007875757291913033},{"text":"Okay.","start":378.37,"end":378.87,"sentiment":"neutral","sentiment_score":-0.00212699081748724},{"text":"I can't.","start":379.73,"end":380.29,"sentiment":"neutral","sentiment_score":-0.023840726353228092},{"text":"Yeah.","start":380.29,"end":380.79,"sentiment":"neutral","sentiment_score":-0.01380685158073902}],"sentiment":"neutral","sentiment_score":-0.0156439362714688,"num_words":6,"start":362.47498,"end":380.79},{"sentences":[{"text":"Yeah.","start":383.81,"end":384.31,"sentiment":"neutral","sentiment_score":-0.004751702770590782},{"text":"Okay.","start":385.195,"end":385.675,"sentiment":"neutral","sentiment_score":0.015776243060827255},{"text":"I'll I'll start doing some some some work and work out how much approximately I might be at at the end of the financial year.","start":385.675,"end":394.875,"sentiment":"neutral","sentiment_score":0.016130567491054536},{"text":"Okay?","start":394.875,"end":395.375,"sentiment":"neutral","sentiment_score":0.02285777777433395},{"text":"Okay.","start":396.795,"end":397.295,"sentiment":"neutral","sentiment_score":0.016731642186641693}],"sentiment":"neutral","sentiment_score":0.015650970604399156,"num_words":29,"start":383.81,"end":397.295},{"sentences":[{"text":"Yep.","start":400.11002,"end":400.61002,"sentiment":"neutral","sentiment_score":-0.011576933786273004},{"text":"Yeah.","start":408.27,"end":408.77,"sentiment":"neutral","sentiment_score":0.07953837513923645},{"text":"Yeah.","start":417.305,"end":417.785,"sentiment":"neutral","sentiment_score":0.0914122313261032},{"text":"Okay.","start":417.785,"end":418.285,"sentiment":"neutral","sentiment_score":0.10714560002088548},{"text":"Alright.","start":418.425,"end":418.925,"sentiment":"neutral","sentiment_score":0.13420990109443665}],"sentiment":"neutral","sentiment_score":0.08014583475887775,"num_words":5,"start":400.11002,"end":418.925},{"sentences":[{"text":"I'll do an approximation of that, and I shall let you know about that one.","start":419.305,"end":423.39,"sentiment":"neutral","sentiment_score":0.15662809908390046},{"text":"Yep.","start":431.63,"end":432.13,"sentiment":"neutral","sentiment_score":0.21464020013809204},{"text":"Harold.","start":442.67502,"end":443.17502,"sentiment":"neutral","sentiment_score":0.1398683935403824},{"text":"Yeah.","start":449.795,"end":450.035,"sentiment":"neutral","sentiment_score":0.1763453483581543},{"text":"Okay.","start":450.035,"end":450.535,"sentiment":"neutral","sentiment_score":0.273281455039978}],"sentiment":"neutral","sentiment_score":0.16597667807026914,"num_words":19,"start":419.305,"end":450.535},{"sentences":[{"text":"That's good.","start":450.595,"end":451.33502,"sentiment":"positive","sentiment_score":0.5036583840847015},{"text":"Yeah.","start":451.63998,"end":451.96,"sentiment":"neutral","sentiment_score":0.13551875948905945},{"text":"I I haven't be I haven't opened the app to have a look because I was too scared on on where where where it went with all this war war stuff going on.","start":451.96,"end":462.12,"sentiment":"neutral","sentiment_score":-0.11099863176544507},{"text":"Yeah.","start":462.12,"end":462.62,"sentiment":"neutral","sentiment_score":0.023208066821098328},{"text":"Yeah.","start":469.575,"end":469.73502,"sentiment":"neutral","sentiment_score":0.05274510383605957}],"sentiment":"neutral","sentiment_score":-0.06432016184063334,"num_words":38,"start":450.595,"end":469.73502},{"sentences":[{"text":"Okay.","start":469.73502,"end":470.23502,"sentiment":"neutral","sentiment_score":0.06172473728656769},{"text":"Okay.","start":470.375,"end":470.875,"sentiment":"neutral","sentiment_score":0.07698608189821243},{"text":"Yep.","start":483.71,"end":484.21,"sentiment":"neutral","sentiment_score":0.020812056958675385},{"text":"Yep.","start":488.75,"end":489.25,"sentiment":"neutral","sentiment_score":0.012189283035695553},{"text":"Yep.","start":492.715,"end":493.215,"sentiment":"neutral","sentiment_score":-0.046711042523384094}],"sentiment":"neutral","sentiment_score":0.02500022333115339,"num_words":5,"start":469.73502,"end":493.215},{"sentences":[{"text":"Okay.","start":494.395,"end":494.895,"sentiment":"neutral","sentiment_score":0.0311010479927063},{"text":"Okay.","start":495.435,"end":495.935,"sentiment":"neutral","sentiment_score":0.04860652983188629},{"text":"Alright.","start":496.955,"end":497.355,"sentiment":"neutral","sentiment_score":0.13987670838832855},{"text":"That'd be good.","start":497.355,"end":498.255,"sentiment":"positive","sentiment_score":0.3434243400891622},{"text":"Okay.","start":500.155,"end":500.655,"sentiment":"neutral","sentiment_score":0.14285452663898468}],"sentiment":"neutral","sentiment_score":0.19895883330277034,"num_words":7,"start":494.395,"end":500.655},{"sentences":[{"text":"Yep.","start":503.51498,"end":503.91,"sentiment":"neutral","sentiment_score":0.0418860986828804},{"text":"Okay.","start":514.55,"end":515.05,"sentiment":"neutral","sentiment_score":0.1565542221069336},{"text":"Good on your time.","start":515.19,"end":516.25,"sentiment":"positive","sentiment_score":0.3419910743832588},{"text":"No.","start":518.875,"end":519.035,"sentiment":"neutral","sentiment_score":0.05194658786058426},{"text":"That's all.","start":519.035,"end":519.515,"sentiment":"neutral","sentiment_score":0.09606273099780083}],"sentiment":"neutral","sentiment_score":0.20116407424211502,"num_words":9,"start":503.51498,"end":519.515},{"sentences":[{"text":"So you've answered everything I needed to know.","start":519.515,"end":521.195,"sentiment":"neutral","sentiment_score":0.22236881218850613},{"text":"Yeah.","start":521.195,"end":521.5829,"sentiment":"neutral","sentiment_score":0.28677892684936523},{"text":"All it's all good.","start":522.06287,"end":523.12286,"sentiment":"positive","sentiment_score":0.42823680490255356},{"text":"Alright, mate.","start":527.8229,"end":528.3829,"sentiment":"positive","sentiment_score":0.4834662526845932},{"text":"Thank you very much.","start":528.3829,"end":529.18286,"sentiment":"positive","sentiment_score":0.851142093539238}],"sentiment":"positive","sentiment_score":0.42895671176282985,"num_words":19,"start":519.515,"end":529.18286},{"sentences":[{"text":"Bye bye.","start":529.18286,"end":529.8429,"sentiment":"positive","sentiment_score":0.35236993432044983}],"sentiment":"positive","sentiment_score":0.35236993432044983,"num_words":2,"start":529.18286,"end":529.8429}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Jeffrey. It's Tommy here from IQ Financial. How are you doing?\n\nChannel 1: Goodbye. How are you?\n\nChannel 0: Hey. Good. Thank you. Sorry. I thought it was going through to voice message for a second there.\n\nChannel 1: Yeah. Probably stupid me.\n\nChannel 0: No. All good, mate. All good, mate.\n\nChannel 1: Hit the\n\nChannel 0: It's\n\nChannel 1: wrong\n\nChannel 0: good to\n\nChannel 1: button.\n\nChannel 0: hear from you. Good to chat to\n\nChannel 1: Yeah.\n\nChannel 0: you again.\n\nChannel 1: Yeah. It's good. Yeah. How you been? Alright?\n\nChannel 0: Yes, mate. It's been fantastic. Christmas was good. New Year's has been crazy. First\n\nChannel 1: Yeah.\n\nChannel 0: couple of months of the year has just been kind of roller coaster, which is always good. Busy busy. What about you?\n\nChannel 1: Yeah. I'm busy. Just come got back from The States. That was good. Went over there for a month.\n\nWent to Florida, and then we did a road trip up to Washington, DC.\n\nChannel 0: Oh, nice. Nice.\n\nChannel 1: Yes. So\n\nChannel 0: Would\n\nChannel 1: that\n\nChannel 0: have\n\nChannel 1: that\n\nChannel 0: been\n\nChannel 1: was good. We got\n\nChannel 0: would have been cold, wouldn't it?\n\nChannel 1: Florida was was beautiful, but as the further north we went, so yeah. The color got yeah.\n\nChannel 0: Yeah. Awesome.\n\nChannel 1: Yeah.\n\nChannel 0: Awesome.\n\nChannel 1: It was\n\nChannel 0: Awesome.\n\nChannel 1: good.\n\nChannel 0: Mate,\n\nChannel 1: Yeah.\n\nChannel 0: I've got a little message in here. Let me just quickly do the usual security check with you. I know it's you, but you're okay for the calls to be recorded, mate?\n\nChannel 1: Sure.\n\nChannel 0: And just need your date of birth and address, please.\n\nChannel 1: Twenty five five sixty, Number 3, Moreton View Parade, Red Land Bay, Queensland.\n\nChannel 0: Fantastic. The guys are letting me know that you're you're gonna buy a car.\n\nChannel 1: Again, my one's the the gearbox is just about to go,\n\nChannel 0: Finally.\n\nChannel 1: and it's gonna cost it's gonna cost more to fix it than it's worth.\n\nChannel 0: Yeah. Yeah. That's always the way. How much do you need out for the the next one?\n\nChannel 1: I'm not quite sure yet.\n\nChannel 0: K.\n\nChannel 1: It is possible, is it?\n\nChannel 0: Yeah. The good thing is we've got you all set up. Like, everything besides $16 is sitting in full account based pension. So\n\nChannel 1: Yep.\n\nChannel 0: you have full access to 470,000.\n\nChannel 1: Okay. K.\n\nChannel 0: So what we do in these cases is, like, I've got access, like, your accounts linked up for all your pension payments coming out. I've got access\n\nChannel 1: Yep.\n\nChannel 0: to even submit\n\nChannel 1: Okay.\n\nChannel 0: a withdrawal on your behalf. And I I would need to send you, like, a a transaction authority for you to say, hey. Look. I I did request this, and then I\n\nChannel 1: Sure.\n\nChannel 0: can submit.\n\nChannel 1: Questions I have.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Is there any tax implications?\n\nChannel 0: Now you're all in pension phase, my friend.\n\nChannel 1: Okay. Alright. What what was my original? What was that? Are there any penalties applicable?\n\nChannel 0: What would normally happen is if you've got, like, seven, eight investment options, they go up and down in value. There's usually, like, capital gains tax from the growth of the investments, but because you're in pension phase, that's all pretty well wiped out as it is. So\n\nChannel 1: Okay.\n\nChannel 0: you don't get capital gains tax. You don't get a fee. You don't get a tax. It's pretty well\n\nChannel 1: Oh, okay. And it doesn't matter if it's this financial year or next financial\n\nChannel 0: free.\n\nChannel 1: year.\n\nChannel 0: No. Because you're not in transition or anything. That's all good. The only thing that I just want to be careful\n\nChannel 1: Okay.\n\nChannel 0: on is if you give me an indication of how much you need and when you might need it is I was just having a little play around with the investments, and I just wanna\n\nChannel 1: Right.\n\nChannel 0: make sure you've got cash there. Because right now, there's heaps of cash, and you can pull it all you can pull it out for that.\n\nChannel 1: Yeah.\n\nChannel 0: If it's sitting in investment, you might get a a week or two delay for it to sell down enough. So let's say it's all invested and you wanted $40 or something like that, it may take a week or two to actually get it into cash to get out to your bank.\n\nChannel 1: Okay. So, yeah, I was thinking about $30.35 grand, something like that.\n\nChannel 0: Yeah. Yeah. Do you want me to organize that this week with you so that $30.35 comes out and then you've got it there?\n\nChannel 1: Can I can I can I do a bit of research tonight just to make sure I'm quoting the right figure for for possibly what we want?\n\nChannel 0: Yeah.\n\nChannel 1: How's that?\n\nChannel 0: Easy done.\n\nChannel 1: And I'll just send you an email and tell you how much. Yeah.\n\nChannel 0: That'd be perfect. If you send through an email with how much you need, I'll reply back with that transaction authority, get the withdrawal done, and then I'll just update the investments after that.\n\nChannel 1: Yep. Okay. Sounds good.\n\nChannel 0: Cool. Sounds good. So I'm just gonna put a couple of notes on the file while I've got you here, and we'll\n\nChannel 1: Yep.\n\nChannel 0: say potential withdrawal of approximately 30 to 35,000 for a car to be paid from pension account by a transaction authority and north transaction pending email from Jeff and then rebalance. And I'll rebalance your investments after that.\n\nChannel 1: Yeah. Okay. K.\n\nChannel 0: Because, basically, what I wanna do is if I can get the withdrawal sorted for you this week, is\n\nChannel 1: Yep.\n\nChannel 0: come Monday, Tuesday, I can just rebalance your investments, and you're good to go.\n\nChannel 1: Okay. Last question. I've been putting in super payments because the company I'm working for contracting for, they just give me a lump sum. And I\n\nChannel 0: Yeah.\n\nChannel 1: pay I've been paying my own super, so I've been depositing.\n\nChannel 0: All\n\nChannel 1: Do\n\nChannel 0: Awesome.\n\nChannel 1: I have\n\nChannel 0: I've\n\nChannel 1: to\n\nChannel 0: seen the contributions come through.\n\nChannel 1: oh, you have? Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Do I need to put more in or for the before the end of financial year or just\n\nChannel 0: Well, we pretty much used up what we could for\n\nChannel 1: okay.\n\nChannel 0: we pretty much used up what we could when we did all of the contribution strategy originally.\n\nChannel 1: Yeah.\n\nChannel 0: The only thing that I was thinking was maybe a little bit of a concessional contribution towards the end of financial year, but it really depends on where your income's gonna end come June 30 approximately.\n\nChannel 1: Right. Okay.\n\nChannel 0: And because\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: can't.\n\nChannel 0: get a few\n\nChannel 1: Yeah.\n\nChannel 0: different sources, are you still getting a couple of different source\n\nChannel 1: Yeah.\n\nChannel 0: of income?\n\nChannel 1: Okay. I'll I'll start doing some some some work and work out how much approximately I might be at at the end of the financial year. Okay?\n\nChannel 0: Yeah. Because,\n\nChannel 1: Okay.\n\nChannel 0: again, if it's not gonna be much of a benefit, there's no point doing some\n\nChannel 1: Yep.\n\nChannel 0: extra contributions and things like that. If you can afford to put more into super, that's great because, again, you've got it to access anyway.\n\nChannel 1: Yeah.\n\nChannel 0: But if your tax bracket's low enough, wouldn't worry too much. If you're bumping up towards the 32% or above, then, yeah, definitely.\n\nChannel 1: Yeah. Okay. Alright. I'll do an approximation of that, and I shall let you know about that one.\n\nChannel 0: Fantastic. Okay. I'll put in a couple of sort of tentative draft trades on your MyNorth account.\n\nChannel 1: Yep.\n\nChannel 0: All in all, it's it's kinda doing its thing. It's still up 4%. So everything that you've been taking out from the withdrawals, it's pretty well been made back in interest anyway. And,\n\nChannel 1: Harold.\n\nChannel 0: look, world's going crazy. It's not it's not plummeting or anything like that, so it's it's kinda doing its thing.\n\nChannel 1: Yeah. Okay. That's good. Yeah. I I haven't be I haven't opened the app to have a look because I was too scared on on where where where it went with all\n\nChannel 0: No.\n\nChannel 1: this\n\nChannel 0: That's\n\nChannel 1: war\n\nChannel 0: okay.\n\nChannel 1: war stuff going on. Yeah.\n\nChannel 0: We can do, like, a bit of a catch up end of financial year where I can send you some reports and everything just to show you how it's going.\n\nChannel 1: Yeah. Okay. Okay.\n\nChannel 0: You don't have to sort of watch it or panic or anything like that. I can I can keep an eye on it? But, again, it's a bit of a stress test because we put you in something pretty conservative to make sure you don't have high risk. And\n\nChannel 1: Yep.\n\nChannel 0: I just wanna say, like, compared to the market, how much it's fluctuating, and then I can give\n\nChannel 1: Yep.\n\nChannel 0: you an indication if there's a big crash, how much you stand for it to drop, and how much for\n\nChannel 1: Yep.\n\nChannel 0: it to bounce back.\n\nChannel 1: Okay. Okay. Alright. That'd be good.\n\nChannel 0: Awesome. So\n\nChannel 1: Okay.\n\nChannel 0: what I'll do, I'll just wait for your email. If I\n\nChannel 1: Yep.\n\nChannel 0: don't hear from you, I'll reach out, but we'll get the withdrawal first. We'll rebalance the investments, and then we'll catch up about contributions and performance around end of financial year.\n\nChannel 1: Okay. Good on your time.\n\nChannel 0: Awesome, mate. Any questions for me?\n\nChannel 1: No. That's all. So you've answered everything I needed to know. Yeah. All it's all good.\n\nChannel 0: Fantastic, mate. You have a fantastic day, and I'll talk to you soon.\n\nChannel 1: Alright, mate. Thank you very much. Bye bye.\n\nChannel 0: Thanks, Jeff. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jeffrey.","start":7.68,"end":8.4,"sentiment":"neutral","sentiment_score":0.06798583641648293},{"text":"It's Tommy here from IQ Financial.","start":8.4,"end":10.08,"sentiment":"neutral","sentiment_score":0.08240945637226105},{"text":"How are you doing?","start":10.08,"end":10.9,"sentiment":"neutral","sentiment_score":0.11111201345920563}],"sentiment":"neutral","sentiment_score":0.08957303874194622,"channel":0,"num_words":12,"start":7.68,"end":10.9},{"sentences":[{"text":"Goodbye.","start":11.2,"end":11.679999,"sentiment":"neutral","sentiment_score":0.02395264618098736},{"text":"How are 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Jeffrey mentions his recent trip to Florida and a road trip to Washington, DC. The representative explains that the retirement plan is linked to pension payments and offers to help with savings. They discuss retirement savings and the possibility of a fee for making a withdrawal. The retirement plan is linked to pension payments and there are no tax implications. The agent explains that the retirement plan is for those with multiple investment options and offers to adjust investments after the call. They also discuss potential contributions and performance around the end of the financial year, as well as a stress test and plans to catch up on contributions and performance."},"intents":{"segments":[{"text":"couple of months of the year has just been kind of roller coaster, which is always good. Busy busy.","start_word":85,"end_word":103,"intents":[{"intent":"Discuss financial situation","confidence_score":0.000025419658}]},{"text":"I've got a little message in here. Let me just quickly do the usual security check with you. I know it's you, but you're okay for the calls to be recorded, mate? Sure.","start_word":187,"end_word":219,"intents":[{"intent":"Request security check","confidence_score":0.014967425}]},{"text":"And just need your date of birth and address, please. Twenty five five sixty, Number 3, Moreton View Parade, Red Land Bay, Queensland. Fantastic.","start_word":220,"end_word":243,"intents":[{"intent":"Communicate information","confidence_score":0.00016479116}]},{"text":"How much do you need out for the the next one?","start_word":290,"end_word":300,"intents":[{"intent":"Get a quote","confidence_score":0.00020238658}]},{"text":"Can I can I can I do a bit of research tonight just to make sure I'm quoting the right figure for for possibly what we want? 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How you been? Alright? Yes, mate.","start_word":0,"end_word":71,"sentiment":"neutral","sentiment_score":0.040975067764520645},{"text":"It's been fantastic. Christmas was good.","start_word":72,"end_word":77,"sentiment":"positive","sentiment_score":0.6735825538635254},{"text":"New Year's has been crazy. First Yeah. couple of months of the year has just been kind of roller coaster, which is always good. Busy busy. What about you? Yeah. I'm busy. Just come got back from The States. That was good. Went over there for a month. Went to Florida, and then we did a road trip up to Washington, DC. Oh, nice. Nice. Yes. So Would that have that been was good. We got would have been cold, wouldn't it? Florida was was beautiful, but as the further north we went, so yeah. The color got yeah. Yeah. Awesome. Yeah. Awesome. It was Awesome. good. Mate, Yeah. I've got a little message in here. Let me just quickly do the usual security check with you. I know it's you, but you're okay for the calls to be recorded, mate? Sure. And just need your date of birth and address, please. Twenty five five sixty, Number 3, Moreton View Parade, Red Land Bay, Queensland. Fantastic. The guys are letting me know that you're you're gonna buy a car. Again, my one's the the gearbox is just about to go, Finally. and it's gonna cost it's gonna cost more to fix it than it's worth. Yeah. Yeah. That's always the way. How much do you need out for the the next one? I'm not quite sure yet. K. It is possible, is it? Yeah.","start_word":78,"end_word":311,"sentiment":"neutral","sentiment_score":0.01053022270082918},{"text":"The good thing is we've got you all set up. Like, everything besides $16 is sitting in full account based pension. So Yep. you have full access to 470,000.","start_word":312,"end_word":340,"sentiment":"positive","sentiment_score":0.5041965842247009},{"text":"Okay. K. So what we do in these cases is, like, I've got access, like, your accounts linked up for all your pension payments coming out. I've got access Yep. to even submit Okay. a withdrawal on your behalf. And I I would need to send you, like, a a transaction authority for you to say, hey. Look. I I did request this, and then I Sure. can submit. Questions I have. Yeah. Yeah. Is there any tax implications? Now you're all in pension phase, my friend. Okay. Alright. What what was my original? What was that? Are there any penalties applicable? What would normally happen is if you've got, like, seven, eight investment options, they go up and down in value. There's usually, like, capital gains tax from the growth of the investments, but because you're in pension phase, that's all pretty well wiped out as it is. So Okay. you don't get capital gains tax. You don't get a fee. You don't get a tax. It's pretty well Oh, okay. And it doesn't matter if it's this financial year or next financial free. year. No. Because you're not in transition or anything.","start_word":341,"end_word":534,"sentiment":"neutral","sentiment_score":0.05367810279130936},{"text":"That's all good.","start_word":535,"end_word":537,"sentiment":"positive","sentiment_score":0.4896664619445801},{"text":"The only thing that I just want to be careful Okay. on is if you give me an indication of how much you need and when you might need it is I was just having a little play around with the investments, and I just wanna Right. make sure you've got cash there. Because right now, there's heaps of cash, and you can pull it all you can pull it out for that. Yeah. If it's sitting in investment, you might get a a week or two delay for it to sell down enough. So let's say it's all invested and you wanted $40 or something like that, it may take a week or two to actually get it into cash to get out to your bank. Okay. So, yeah, I was thinking about $30.35 grand, something like that. Yeah. Yeah. Do you want me to organize that this week with you so that $30.35 comes out and then you've got it there? Can I can I can I do a bit of research tonight just to make sure I'm quoting the right figure for for possibly what we want? Yeah. How's that?","start_word":538,"end_word":730,"sentiment":"neutral","sentiment_score":-0.015703526146980146},{"text":"Easy done.","start_word":731,"end_word":732,"sentiment":"positive","sentiment_score":0.6169472932815552},{"text":"And I'll just send you an email and tell you how much.","start_word":733,"end_word":744,"sentiment":"neutral","sentiment_score":0.18051795661449432},{"text":"Yeah. That'd be perfect.","start_word":745,"end_word":748,"sentiment":"positive","sentiment_score":0.5618078112602234},{"text":"If you send through an email with how much you need, I'll reply back with that transaction authority, get the withdrawal done, and then I'll just update the investments after that. Yep.","start_word":749,"end_word":780,"sentiment":"neutral","sentiment_score":0.19140489399433136},{"text":"Okay. Sounds good. Cool. Sounds good.","start_word":781,"end_word":786,"sentiment":"positive","sentiment_score":0.5618684887886047},{"text":"So I'm just gonna put a couple of notes on the file while I've got you here, and we'll Yep. say potential withdrawal of approximately 30 to 35,000 for a car to be paid from pension account by a transaction authority and north transaction pending email from Jeff and then rebalance. And I'll rebalance your investments after that. Yeah. Okay. K. Because, basically, what I wanna do is if I can get the withdrawal sorted for you this week, is Yep.","start_word":787,"end_word":867,"sentiment":"neutral","sentiment_score":0.16523055732250214},{"text":"come Monday, Tuesday, I can just rebalance your investments, and you're good to go.","start_word":868,"end_word":881,"sentiment":"positive","sentiment_score":0.4432810842990875},{"text":"Okay. Last question. I've been putting in super payments because the company I'm working for contracting for, they just give me a lump sum. And I Yeah. pay I've been paying my own super, so I've been depositing.","start_word":882,"end_word":919,"sentiment":"neutral","sentiment_score":0.04941618981722154},{"text":"All Do Awesome.","start_word":920,"end_word":922,"sentiment":"positive","sentiment_score":0.5933746099472046},{"text":"I have I've to seen the contributions come through. oh, you have? Okay. Yeah. Do I need to put more in or for the before the end of financial year or just Well, we pretty much used up what we could for okay. we pretty much used up what we could when we did all of the contribution strategy originally. Yeah. The only thing that I was thinking was maybe a little bit of a concessional contribution towards the end of financial year, but it really depends on where your income's gonna end come June 30 approximately. Right. Okay. And because I you can't. get a few Yeah. different sources, are you still getting a couple of different source Yeah. of income? Okay. I'll I'll start doing some some some work and work out how much approximately I might be at at the end of the financial year. Okay? Yeah. Because, Okay. again, if it's not gonna be much of a benefit, there's no point doing some Yep. extra contributions and things like that. If you can afford to put more into super, that's great because, again, you've got it to access anyway. Yeah. But if your tax bracket's low enough, wouldn't worry too much. If you're bumping up towards the 32% or above, then, yeah, definitely. Yeah. Okay. Alright. I'll do an approximation of that, and I shall let you know about that one.","start_word":923,"end_word":1157,"sentiment":"neutral","sentiment_score":0.04206634312868118},{"text":"Fantastic.","start_word":1158,"end_word":1158,"sentiment":"positive","sentiment_score":0.49930232763290405},{"text":"Okay. I'll put in a couple of sort of tentative draft trades on your MyNorth account. Yep. All in all, it's it's kinda doing its thing. It's still up 4%.","start_word":1159,"end_word":1188,"sentiment":"neutral","sentiment_score":0.22494147717952728},{"text":"So everything that you've been taking out from the withdrawals, it's pretty well been made back in interest anyway.","start_word":1189,"end_word":1207,"sentiment":"positive","sentiment_score":0.34031736850738525},{"text":"And, Harold. look, world's going crazy. It's not it's not plummeting or anything like that, so it's it's kinda doing its thing. Yeah. Okay.","start_word":1208,"end_word":1231,"sentiment":"neutral","sentiment_score":0.0943443700671196},{"text":"That's good.","start_word":1232,"end_word":1233,"sentiment":"positive","sentiment_score":0.4988683164119721},{"text":"Yeah. I I haven't be I haven't opened the app to have a look because I was too scared on on where where where it went with all No. this That's war okay. war stuff going on. Yeah. We can do, like, a bit of a catch up end of financial year where I can send you some reports and everything just to show you how it's going. Yeah. Okay. Okay. You don't have to sort of watch it or panic or anything like that. I can I can keep an eye on it? But, again, it's a bit of a stress test because we put you in something pretty conservative to make sure you don't have high risk. And Yep. I just wanna say, like, compared to the market, how much it's fluctuating, and then I can give Yep. you an indication if there's a big crash, how much you stand for it to drop, and how much for Yep. it to bounce back. Okay. Okay. Alright.","start_word":1234,"end_word":1401,"sentiment":"neutral","sentiment_score":-0.007566756568849087},{"text":"That'd be good. Awesome.","start_word":1402,"end_word":1405,"sentiment":"positive","sentiment_score":0.3500957190990448},{"text":"So Okay. what I'll do, I'll just wait for your email. If I Yep. don't hear from you, I'll reach out, but we'll get the withdrawal first. We'll rebalance the investments, and then we'll catch up about contributions and performance around end of financial year. Okay.","start_word":1406,"end_word":1451,"sentiment":"neutral","sentiment_score":0.08717574924230576},{"text":"Good on your time. Awesome, mate.","start_word":1452,"end_word":1457,"sentiment":"positive","sentiment_score":0.4044656753540039},{"text":"Any questions for me? No. That's all. So you've answered everything I needed to know. Yeah.","start_word":1458,"end_word":1473,"sentiment":"neutral","sentiment_score":0.1857328414916992},{"text":"All it's all good. Fantastic, mate. You have a fantastic day, and I'll talk to you soon. Alright, mate. Thank you very much. Bye bye. Thanks, Jeff. Bye.","start_word":1474,"end_word":1501,"sentiment":"positive","sentiment_score":0.6568285737718854}],"average":{"sentiment":"neutral","sentiment_score":0.09153043522554286}}}}