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Is do you have a bit of time this afternoon? Oh, sorry. It cut out a little bit. What was that? Oh, okay. Not a problem at all. So it was mainly in regards to your cell fix. I know we were just doing the quick update there, but if I could pass you through security, Julie, with that name, date of birth, and current address? Perfect. Thanks for that, Julie. So the reason for my call, I don't know if you remember. It was a few months ago there now during our previous call there. We were just doing an update in regards to your advice piece just given to how old it was, and you weren't looking to do any changes just given what you're working through at the moment. Now with that one, they were doing basically the no changes away. But when I was come to reviewing it there, at the moment, there was just an investment. I don't know if you remember Ben along within your fund that wasn't performing too great, and then now it's gone a little bit backwards just due to an underlying investment that did get done for not reporting correctly. So it did take quite a backwards step. Now I know you were happy with your returns, and your returns are a whole it's still, like, 8.92 after fees, which is still quite good, but I would wanna be looking at removing that that Benelong. Now I know you originally were happy with your returns, happy with the investment. We can look at replacing, like, your whole portfolio and doing a bit of a refresh, or we can just look to replace the Benelong portion of that fund either with an actively managed fund or just with an equivalent index fund that doesn't have the additional cost of an actively managed fund, if that makes sense. Perfect. Okay. Not a problem at all. And disregard to your details there, just because it has been a little bit there, Julie. Has anything sort of significant changed? I know you sort of you know, you were caring for your partner a bit there and yourself were going through a little bit of sort of operations on the arm and everything like that. Is everything largely good at the moment? Nothing sort of changed in regards to it? You're still working as well? Yeah. Yeah. And then largely everything else is going alright, still managing to pay all all the bills and everything as well? I know you had quite a bit of savings sitting there, but everything's largely unchanged since we last spoke. Okay. Not a problem at all. That's good to hear. If you ever did need the OQ budget planner as well, if things were getting a little more tight, we can pass that along as well to help budget out your money a little bit further. But given that information there as well, Julie, I'd be looking potentially to get you booked in not next week, but possibly the week after. Would sort of next not like the Thursday, the twenty sixth work for you to just give you that updated document? Till the end of March. Sorry. Was it? Okay. Okay. Not a problem. So you'll be back sort of the March there then? Alright. Okay. Well, what I can do is I can just put it in the calendar there just to touch base. I'll get this sort of finalized before that date anyway, and then we'll reach out then and see if you're back and ready to have a conversation. I don't wanna sort of interrupt you while you're having, you know, your holiday and getting out and about. So I'll just put a reminder at the March 22, maybe twenty third day because that's the Monday just to reach out and touch base, get you booked in. And it would just probably look like to be an investment update if you're not looking to tell or change anything else in the meantime. But do you have any sort of questions for me? Anything you wanna have a chat about while you've got me there, Julie? Yeah. Yeah. Not a problem. We'll I'll toss it up just because we weren't gonna touch anything originally. But given that bed along fund, it hasn't been performing too fantastic over the past five years. And then given that announcement, it took obviously quite the backward step. So the company is itself moving is moving away from an actively managed fund. And given your sort of age and time till retirement there as well, you probably don't need to look at having an active portion. We can look to be a little bit more index, a little bit safer. Even though your fund has said has been performing well even with that little bit of a backward step with that, you know, for a balanced growth fund to get 8.92% off the fees is really still quite good. Not a not a problem. Okay. Well, I'll check it in my calendar for your in Queensland, then you'll be back in Queensland. That's around 04:30 Queensland time, that Monday, the twenty third. And if I get a hold of you, we can just go through the document. If I just get you for a brief second, I could just book in something as well. And then that way, we we can go from there. Not a problem at all. So that's scheduled in there for the 04:30, Monday the twenty third. If I don't get ahold of you, that's not a huge deal. I'll just call you at a different time there as well. That's not a problem. But, otherwise, is there anything anything else you wanna have a chat about there, Julie, while you've got me at all or largely happy with everything else? Brilliant. Not a problem at all. Well, you enjoy your trip there and your drive. And, yeah, you guys have fun. Stay safe, and we'll talk soon. Sounds good. Thanks. 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afternoon, Julie. It's Carl calling from OP Financial. How are you today? Yep. That's good to hear.\n\nI was just calling for a bit of a a catch up there. Is do you have a bit of time this afternoon? Oh, sorry. It cut out a little bit. What was that?\n\nOh, okay. Not a problem at all. So it was mainly in regards to your cell fix. I know we were just doing the quick update there, but if I could pass you through security, Julie, with that name, date of birth, and current address? Perfect.\n\nThanks for that, Julie. So the reason for my call, I don't know if you remember. It was a few months ago there now during our previous call there. We were just doing an update in regards to your advice piece just given to how old it was, and you weren't looking to do any changes just given what you're working through at the moment. Now with that one, they were doing basically the no changes away.\n\nBut when I was come to reviewing it there, at the moment, there was just an investment. I don't know if you remember Ben along within your fund that wasn't performing too great, and then now it's gone a little bit backwards just due to an underlying investment that did get done for not reporting correctly. So it did take quite a backwards step. Now I know you were happy with your returns, and your returns are a whole it's still, like, 8.92 after fees, which is still quite good, but I would wanna be looking at removing that that Benelong. Now I know you originally were happy with your returns, happy with the investment.\n\nWe can look at replacing, like, your whole portfolio and doing a bit of a refresh, or we can just look to replace the Benelong portion of that fund either with an actively managed fund or just with an equivalent index fund that doesn't have the additional cost of an actively managed fund, if that makes sense. Perfect. Okay. Not a problem at all. And disregard to your details there, just because it has been a little bit there, Julie.\n\nHas anything sort of significant changed? I know you sort of you know, you were caring for your partner a bit there and yourself were going through a little bit of sort of operations on the arm and everything like that. Is everything largely good at the moment? Nothing sort of changed in regards to it? You're still working as well?\n\nYeah. Yeah. And then largely everything else is going alright, still managing to pay all all the bills and everything as well? I know you had quite a bit of savings sitting there, but everything's largely unchanged since we last spoke. Okay.\n\nNot a problem at all. That's good to hear. If you ever did need the OQ budget planner as well, if things were getting a little more tight, we can pass that along as well to help budget out your money a little bit further. But given that information there as well, Julie, I'd be looking potentially to get you booked in not next week, but possibly the week after. Would sort of next not like the Thursday, the twenty sixth work for you to just give you that updated document?\n\nTill the end of March. Sorry. Was it? Okay. Okay.\n\nNot a problem. So you'll be back sort of the March there then? Alright. Okay. Well, what I can do is I can just put it in the calendar there just to touch base.\n\nI'll get this sort of finalized before that date anyway, and then we'll reach out then and see if you're back and ready to have a conversation. I don't wanna sort of interrupt you while you're having, you know, your holiday and getting out and about. So I'll just put a reminder at the March 22, maybe twenty third day because that's the Monday just to reach out and touch base, get you booked in. And it would just probably look like to be an investment update if you're not looking to tell or change anything else in the meantime. But do you have any sort of questions for me?\n\nAnything you wanna have a chat about while you've got me there, Julie? Yeah. Yeah. Not a problem. We'll I'll toss it up just because we weren't gonna touch anything originally.\n\nBut given that bed along fund, it hasn't been performing too fantastic over the past five years. And then given that announcement, it took obviously quite the backward step. So the company is itself moving is moving away from an actively managed fund. And given your sort of age and time till retirement there as well, you probably don't need to look at having an active portion. We can look to be a little bit more index, a little bit safer.\n\nEven though your fund has said has been performing well even with that little bit of a backward step with that, you know, for a balanced growth fund to get 8.92% off the fees is really still quite good. Not a not a problem. Okay. Well, I'll check it in my calendar for your in Queensland, then you'll be back in Queensland. That's around 04:30 Queensland time, that Monday, the twenty third.\n\nAnd if I get a hold of you, we can just go through the document. If I just get you for a brief second, I could just book in something as well. And then that way, we we can go from there. Not a problem at all. So that's scheduled in there for the 04:30, Monday the twenty third.\n\nIf I don't get ahold of you, that's not a huge deal. I'll just call you at a different time there as well. That's not a problem. But, otherwise, is there anything anything else you wanna have a chat about there, Julie, while you've got me at all or largely happy with everything else? Brilliant.\n\nNot a problem at all. Well, you enjoy your trip there and your drive. And, yeah, you guys have fun. Stay safe, and we'll talk soon. Sounds good.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Julie.","start":2.1599998,"end":3.12,"sentiment":"neutral","sentiment_score":0.30494985977808636},{"text":"It's Carl calling from OP Financial.","start":3.12,"end":4.74,"sentiment":"neutral","sentiment_score":0.20931574453910193},{"text":"How are you today?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.2535572797060013},{"text":"Yep.","start":7.6,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.26158851385116577},{"text":"That's good to hear.","start":7.9199996,"end":8.96,"sentiment":"positive","sentiment_score":0.4926113113760948}],"sentiment":"neutral","sentiment_score":0.30094482915269005,"num_words":18,"start":2.1599998,"end":8.96},{"sentences":[{"text":"I was just calling for a bit of a a catch up there.","start":8.96,"end":11.44,"sentiment":"neutral","sentiment_score":0.07875282775897247},{"text":"Is do you have a bit of time this afternoon?","start":11.44,"end":13.035,"sentiment":"neutral","sentiment_score":0.031115337647497653},{"text":"Oh, sorry.","start":17.275,"end":17.755,"sentiment":"neutral","sentiment_score":-0.010920535773038864},{"text":"It cut out a little bit.","start":17.755,"end":18.795,"sentiment":"neutral","sentiment_score":-0.04302921953300635},{"text":"What was that?","start":18.795,"end":19.615,"sentiment":"neutral","sentiment_score":-0.010851121818025907}],"sentiment":"neutral","sentiment_score":0.030069717151277205,"num_words":34,"start":8.96,"end":19.615},{"sentences":[{"text":"Oh, okay.","start":22.395,"end":23.134998,"sentiment":"neutral","sentiment_score":0.05299093574285507},{"text":"Not a problem at all.","start":23.355,"end":24.474998,"sentiment":"neutral","sentiment_score":0.11885988712310791},{"text":"So it was mainly in regards to your cell fix.","start":24.474998,"end":26.71,"sentiment":"neutral","sentiment_score":0.03146454505622387},{"text":"I know we were just doing the quick update there, but if I could pass you through security, Julie, with that name, date of birth, and current address?","start":26.71,"end":32.17,"sentiment":"neutral","sentiment_score":0.027787539908396348},{"text":"Perfect.","start":40.79,"end":41.11,"sentiment":"positive","sentiment_score":0.4724019169807434}],"sentiment":"neutral","sentiment_score":0.04924738678433325,"num_words":46,"start":22.395,"end":41.11},{"sentences":[{"text":"Thanks for that, Julie.","start":41.11,"end":42.105,"sentiment":"positive","sentiment_score":0.4914754629135132},{"text":"So the reason for my call, I don't know if you remember.","start":42.425,"end":44.585,"sentiment":"neutral","sentiment_score":-0.05123914871364832},{"text":"It was a few months ago there now during our previous call there.","start":44.585,"end":48.345,"sentiment":"neutral","sentiment_score":-0.09195848726309262},{"text":"We were just doing an update in regards to your advice piece just given to how old it was, and you weren't looking to do any changes just given what you're working through at the moment.","start":48.345,"end":57.449997,"sentiment":"neutral","sentiment_score":-0.138222626513905},{"text":"Now with that one, they were doing basically the no changes away.","start":58.309998,"end":61.35,"sentiment":"neutral","sentiment_score":-0.1932967392106851}],"sentiment":"neutral","sentiment_score":-0.09272732067998353,"num_words":77,"start":41.11,"end":61.35},{"sentences":[{"text":"But when I was come to reviewing it there, at the moment, there was just an investment.","start":61.35,"end":66.31,"sentiment":"neutral","sentiment_score":-0.14442692609394298},{"text":"I don't know if you remember Ben along within your fund that wasn't performing too great, and then now it's gone a little bit backwards just due to an underlying investment that did get done for not reporting correctly.","start":66.31,"end":77.965,"sentiment":"neutral","sentiment_score":-0.21966110322719964},{"text":"So it did take quite a backwards step.","start":77.965,"end":79.825,"sentiment":"neutral","sentiment_score":-0.3045527748763561},{"text":"Now I know you were happy with your returns, and your returns are a whole it's still, like, 8.92 after fees, which is still quite good, but I would wanna be looking at removing that that Benelong.","start":80.15,"end":92.17,"sentiment":"neutral","sentiment_score":-0.08754950852410213},{"text":"Now I know you originally were happy with your returns, happy with the investment.","start":92.23,"end":95.29,"sentiment":"neutral","sentiment_score":0.17188060802540608}],"sentiment":"neutral","sentiment_score":-0.1242736197522153,"num_words":115,"start":61.35,"end":95.29},{"sentences":[{"text":"We can look at replacing, like, your whole portfolio and doing a bit of a refresh, or we can just look to replace the Benelong portion of that fund either with an actively managed fund or just with an equivalent index fund that doesn't have the additional cost of an actively managed fund, if that makes sense.","start":96.285,"end":113.04,"sentiment":"neutral","sentiment_score":0.04074253177825819},{"text":"Perfect.","start":119.1,"end":119.6,"sentiment":"positive","sentiment_score":0.33507147431373596},{"text":"Okay.","start":126.075,"end":126.575,"sentiment":"neutral","sentiment_score":0.000645563006401062},{"text":"Not a problem at all.","start":126.715,"end":127.994995,"sentiment":"neutral","sentiment_score":0.05544297099113464},{"text":"And disregard to your details there, just because it has been a little bit there, Julie.","start":127.994995,"end":131.355,"sentiment":"neutral","sentiment_score":-0.023367545451037586}],"sentiment":"neutral","sentiment_score":0.032017193455249074,"num_words":80,"start":96.285,"end":131.355},{"sentences":[{"text":"Has anything sort of significant changed?","start":131.355,"end":132.81,"sentiment":"neutral","sentiment_score":-0.1306580069164435},{"text":"I know you sort of you know, you were caring for your partner a bit there and yourself were going through a little bit of sort of operations on the arm and everything like that.","start":132.81,"end":140.89,"sentiment":"neutral","sentiment_score":-0.06604078784584999},{"text":"Is everything largely good at the moment?","start":140.89,"end":142.73,"sentiment":"neutral","sentiment_score":0.10018380305596761},{"text":"Nothing sort of changed in regards to it?","start":142.73,"end":144.65,"sentiment":"neutral","sentiment_score":-0.05629103351384401},{"text":"You're still working as well?","start":144.65,"end":149.565,"sentiment":"neutral","sentiment_score":-0.028429151326417924}],"sentiment":"neutral","sentiment_score":-0.048960049499253755,"num_words":61,"start":131.355,"end":149.565},{"sentences":[{"text":"Yeah.","start":151.065,"end":151.465,"sentiment":"neutral","sentiment_score":0.012603575363755226},{"text":"Yeah.","start":151.465,"end":151.965,"sentiment":"neutral","sentiment_score":0.029577814042568207},{"text":"And then largely everything else is going alright, still managing to pay all all the bills and everything as well?","start":152.58499,"end":157.23999,"sentiment":"neutral","sentiment_score":0.08660857789218426},{"text":"I know you had quite a bit of savings sitting there, but everything's largely unchanged since we last spoke.","start":157.23999,"end":161.42,"sentiment":"neutral","sentiment_score":-0.02224818146542499},{"text":"Okay.","start":163.64,"end":164.04,"sentiment":"neutral","sentiment_score":0.2225411832332611}],"sentiment":"neutral","sentiment_score":0.03748044482476655,"num_words":42,"start":151.065,"end":164.04},{"sentences":[{"text":"Not a problem at all.","start":164.04,"end":165.26,"sentiment":"neutral","sentiment_score":0.3249522805213928},{"text":"That's good to hear.","start":167.16,"end":168.12,"sentiment":"positive","sentiment_score":0.5286433845758438},{"text":"If you ever did need the OQ budget planner as well, if things were getting a little more tight, we can pass that along as well to help budget out your money a little bit further.","start":168.12,"end":175.52501,"sentiment":"neutral","sentiment_score":0.08385232722179757},{"text":"But given that information there as well, Julie, I'd be looking potentially to get you booked in not next week, but possibly the week after.","start":176.945,"end":183.285,"sentiment":"neutral","sentiment_score":0.05061453029513359},{"text":"Would sort of next not like the Thursday, the twenty sixth work for you to just give you that updated document?","start":183.66501,"end":189.36,"sentiment":"neutral","sentiment_score":0.03138738400524571}],"sentiment":"neutral","sentiment_score":0.09541227519102805,"num_words":91,"start":164.04,"end":189.36},{"sentences":[{"text":"Till the end of March.","start":196.85999,"end":197.9,"sentiment":"neutral","sentiment_score":-0.0761966124176979},{"text":"Sorry.","start":197.9,"end":198.21999,"sentiment":"neutral","sentiment_score":-0.0874398946762085},{"text":"Was it?","start":198.21999,"end":199.055,"sentiment":"neutral","sentiment_score":-0.041647570207715034},{"text":"Okay.","start":204.9975,"end":205.4975,"sentiment":"neutral","sentiment_score":0.05623512342572212},{"text":"Okay.","start":211.52,"end":211.84,"sentiment":"neutral","sentiment_score":0.06366468966007233}],"sentiment":"neutral","sentiment_score":-0.04318182840943337,"num_words":10,"start":196.85999,"end":211.84},{"sentences":[{"text":"Not a problem.","start":211.84,"end":212.58,"sentiment":"neutral","sentiment_score":0.12928896148999533},{"text":"So you'll be back sort of the March there then?","start":212.64,"end":215.86,"sentiment":"neutral","sentiment_score":0.08421741425991058},{"text":"Alright.","start":219.2,"end":219.7,"sentiment":"neutral","sentiment_score":0.1291994750499725},{"text":"Okay.","start":223.6,"end":224.0,"sentiment":"neutral","sentiment_score":0.17005904018878937},{"text":"Well, what I can do is I can just put it in the calendar there just to touch base.","start":224.0,"end":228.31499,"sentiment":"neutral","sentiment_score":0.21990889467691122}],"sentiment":"neutral","sentiment_score":0.16786966297556372,"num_words":34,"start":211.84,"end":228.31499},{"sentences":[{"text":"I'll get this sort of finalized before that date anyway, and then we'll reach out then and see if you're back and ready to have a conversation.","start":228.53499,"end":235.915,"sentiment":"neutral","sentiment_score":0.24224950152414818},{"text":"I don't wanna sort of interrupt you while you're having, you know, your holiday and getting out and about.","start":235.97499,"end":240.71,"sentiment":"neutral","sentiment_score":0.03957478087824328},{"text":"So I'll just put a reminder at the March 22, maybe twenty third day because that's the Monday just to reach out and touch base, get you booked in.","start":241.49,"end":249.65001,"sentiment":"neutral","sentiment_score":0.22756079712818408},{"text":"And it would just probably look like to be an investment update if you're not looking to tell or change anything else in the meantime.","start":249.65001,"end":254.55,"sentiment":"neutral","sentiment_score":0.13891565203666686},{"text":"But do you have any sort of questions for me?","start":255.86499,"end":257.385,"sentiment":"neutral","sentiment_score":0.10072664767503739}],"sentiment":"neutral","sentiment_score":0.1670188933838455,"num_words":110,"start":228.53499,"end":257.385},{"sentences":[{"text":"Anything you wanna have a chat about while you've got me there, Julie?","start":257.385,"end":259.725,"sentiment":"neutral","sentiment_score":0.10591938747809483},{"text":"Yeah.","start":271.08002,"end":271.40002,"sentiment":"neutral","sentiment_score":0.07402646541595459},{"text":"Yeah.","start":271.40002,"end":271.72,"sentiment":"neutral","sentiment_score":0.05313442647457123},{"text":"Not a problem.","start":271.72,"end":272.52002,"sentiment":"neutral","sentiment_score":0.03206844131151835},{"text":"We'll I'll toss it up just because we weren't gonna touch anything originally.","start":272.52002,"end":275.96002,"sentiment":"neutral","sentiment_score":-0.08080128179146694}],"sentiment":"neutral","sentiment_score":0.017738760959717534,"num_words":31,"start":257.385,"end":275.96002},{"sentences":[{"text":"But given that bed along fund, it hasn't been performing too fantastic over the past five years.","start":275.96002,"end":280.365,"sentiment":"negative","sentiment_score":-0.3843265605323455},{"text":"And then given that announcement, it took obviously quite the backward step.","start":280.525,"end":283.565,"sentiment":"neutral","sentiment_score":-0.3306993233660857},{"text":"So the company is itself moving is moving away from an actively managed fund.","start":283.565,"end":287.485,"sentiment":"negative","sentiment_score":-0.36645602754184176},{"text":"And given your sort of age and time till retirement there as well, you probably don't need to look at having an active portion.","start":287.485,"end":292.685,"sentiment":"neutral","sentiment_score":0.06074019428342581},{"text":"We can look to be a little bit more index, a little bit safer.","start":292.685,"end":295.185,"sentiment":"neutral","sentiment_score":0.14163638491715705}],"sentiment":"neutral","sentiment_score":-0.15051424374550948,"num_words":81,"start":275.96002,"end":295.185},{"sentences":[{"text":"Even though your fund has said has been performing well even with that little bit of a backward step with that, you know, for a balanced growth fund to get 8.92% off the fees is really still quite good.","start":295.47,"end":305.49002,"sentiment":"neutral","sentiment_score":0.32756111312371033},{"text":"Not a not a problem.","start":308.11002,"end":315.4025,"sentiment":"neutral","sentiment_score":-0.07134900316596031},{"text":"Okay.","start":325.07,"end":325.47,"sentiment":"neutral","sentiment_score":0.024631649255752563},{"text":"Well, I'll check it in my calendar for your in Queensland, then you'll be back in Queensland.","start":325.47,"end":334.03,"sentiment":"neutral","sentiment_score":0.05086004054721664},{"text":"That's around 04:30 Queensland time, that Monday, the twenty third.","start":334.03,"end":337.285,"sentiment":"neutral","sentiment_score":0.05290060229599476}],"sentiment":"neutral","sentiment_score":0.1921721771876845,"num_words":72,"start":295.47,"end":337.285},{"sentences":[{"text":"And if I get a hold of you, we can just go through the document.","start":337.285,"end":340.005,"sentiment":"neutral","sentiment_score":0.07394505515694619},{"text":"If I just get you for a brief second, I could just book in something as well.","start":340.005,"end":343.14502,"sentiment":"neutral","sentiment_score":0.08530314135200837},{"text":"And then that way, we we can go from there.","start":343.605,"end":346.165,"sentiment":"neutral","sentiment_score":0.11844693869352341},{"text":"Not a problem at all.","start":346.165,"end":347.385,"sentiment":"neutral","sentiment_score":0.23077465295791627},{"text":"So that's scheduled in there for the 04:30, Monday the twenty third.","start":347.605,"end":351.24,"sentiment":"neutral","sentiment_score":0.10143929161131382}],"sentiment":"neutral","sentiment_score":0.10364310815930367,"num_words":59,"start":337.285,"end":351.24},{"sentences":[{"text":"If I don't get ahold of you, that's not a huge deal.","start":351.24,"end":353.0,"sentiment":"neutral","sentiment_score":0.05474869286020597},{"text":"I'll just call you at a different time there as well.","start":353.0,"end":354.6,"sentiment":"neutral","sentiment_score":0.07350494983521375},{"text":"That's not a problem.","start":354.6,"end":355.5,"sentiment":"neutral","sentiment_score":0.16874174401164055},{"text":"But, otherwise, is there anything anything else you wanna have a chat about there, Julie, while you've got me at all or largely happy with everything else?","start":356.36,"end":362.13998,"sentiment":"neutral","sentiment_score":0.08344829841344445},{"text":"Brilliant.","start":365.405,"end":365.64502,"sentiment":"positive","sentiment_score":0.4822783768177033}],"sentiment":"neutral","sentiment_score":0.08865251222794707,"num_words":55,"start":351.24,"end":365.64502},{"sentences":[{"text":"Not a problem at all.","start":365.64502,"end":366.685,"sentiment":"neutral","sentiment_score":0.089638751745224},{"text":"Well, you enjoy your trip there and your drive.","start":366.685,"end":368.785,"sentiment":"positive","sentiment_score":0.6457765301068624},{"text":"And, yeah, you guys have fun.","start":368.92502,"end":370.605,"sentiment":"positive","sentiment_score":0.5586584210395813},{"text":"Stay safe, and we'll talk soon.","start":370.605,"end":372.14502,"sentiment":"positive","sentiment_score":0.39031452933947247},{"text":"Sounds good.","start":374.20502,"end":374.765,"sentiment":"positive","sentiment_score":0.8427947163581848}],"sentiment":"positive","sentiment_score":0.4871289165956633,"num_words":28,"start":365.64502,"end":374.765},{"sentences":[{"text":"Thanks.","start":374.765,"end":375.165,"sentiment":"positive","sentiment_score":0.8039937019348145},{"text":"Bye.","start":375.165,"end":375.665,"sentiment":"positive","sentiment_score":0.4698784351348877}],"sentiment":"positive","sentiment_score":0.6369360685348511,"num_words":2,"start":374.765,"end":375.665}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Thank you. Yeah. Both Keith and I are both here. Keith and I are both here. Yeah. Julie Rose Douglas. 1968. 26 George Street, Collinsville. Yes. Do whatever you think is you need to do, mate. That's why I have it with you. I yeah. I don't really understand all of it, you know, and what you're doing. As long as you make me money, I don't care. I'm still working, but my hubby's still not able to work. Yeah. Everything's fine financially, so it's all good. I'm actually away until the end of next month. So I'm we're doing a yeah. We're doing a road trip To Adelaide. To Adelaide just, you know, to get my old man out of the house and, hopefully, it makes him feel a bit better, have a holiday. March. Yeah. '20. From about twenty second onwards, I think. Yes. Yep. Yeah. Yeah. Just if you think that it's gonna perform better in something that's reasonably safe, just go ahead and do it. Yeah. Yeah. Mhmm. Yep. That's alright. Yeah. So, yeah, anything from the twenty third on. And if you could make it, you know, about this time or 04:00 because I actually don't finish work till 03:30. I mean, I finished a little bit early today. So Yep. Too easy. Yep. Too easy. No. Yeah. I'm actually happy with everything else. It's all good. Okay. Thank you very much. Sounds good. Thank you. 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think.","start":219.41501,"end":222.3,"sentiment":"neutral","sentiment_score":0.094950832426548},{"text":"Yes.","start":232.3,"end":232.8,"sentiment":"neutral","sentiment_score":0.22898001968860623},{"text":"Yep.","start":241.435,"end":241.935,"sentiment":"neutral","sentiment_score":0.13368073105812073},{"text":"Yeah.","start":260.29,"end":260.61002,"sentiment":"neutral","sentiment_score":0.11588581651449203}],"sentiment":"neutral","sentiment_score":0.10874285413460298,"num_words":11,"start":217.655,"end":260.61002},{"sentences":[{"text":"Yeah.","start":260.61002,"end":260.85,"sentiment":"neutral","sentiment_score":0.16255909204483032},{"text":"Just if you think that it's gonna perform better in something that's reasonably safe, just go ahead and do it.","start":260.85,"end":269.915,"sentiment":"neutral","sentiment_score":0.2243857428431511},{"text":"Yeah.","start":281.09,"end":281.59,"sentiment":"neutral","sentiment_score":-0.17686727643013},{"text":"Yeah.","start":295.845,"end":296.345,"sentiment":"neutral","sentiment_score":0.22272250056266785},{"text":"Mhmm.","start":306.165,"end":306.665,"sentiment":"neutral","sentiment_score":0.02724947035312653}],"sentiment":"neutral","sentiment_score":0.19680744347472987,"num_words":24,"start":260.61002,"end":306.665},{"sentences":[{"text":"Yep.","start":307.81003,"end":308.31003,"sentiment":"neutral","sentiment_score":0.012244137935340405},{"text":"That's alright.","start":308.37003,"end":309.09003,"sentiment":"neutral","sentiment_score":-0.10216916352510452},{"text":"Yeah.","start":309.09003,"end":309.59003,"sentiment":"neutral","sentiment_score":-0.013469019904732704},{"text":"So, yeah, anything from the twenty third on.","start":310.93002,"end":313.43002,"sentiment":"neutral","sentiment_score":-0.008347743540070951},{"text":"And if you could make it, you know, about this time or 04:00 because I actually don't finish work till 03:30.","start":313.57,"end":322.38498,"sentiment":"neutral","sentiment_score":-0.07250962326569217}],"sentiment":"neutral","sentiment_score":-0.05439537108847589,"num_words":33,"start":307.81003,"end":322.38498},{"sentences":[{"text":"I mean, I finished a little bit early today.","start":322.38498,"end":324.565,"sentiment":"neutral","sentiment_score":-0.07529258976380031},{"text":"So Yep.","start":325.425,"end":344.08002,"sentiment":"neutral","sentiment_score":0.07396021112799644},{"text":"Too easy.","start":344.08002,"end":344.74,"sentiment":"neutral","sentiment_score":0.22105775773525238},{"text":"Yep.","start":345.04,"end":345.54,"sentiment":"neutral","sentiment_score":0.1084878072142601},{"text":"Too easy.","start":356.555,"end":357.215,"sentiment":"neutral","sentiment_score":0.1117565780878067}],"sentiment":"neutral","sentiment_score":0.015275224577635527,"num_words":16,"start":322.38498,"end":357.215},{"sentences":[{"text":"No.","start":361.06,"end":361.56,"sentiment":"neutral","sentiment_score":0.025643907487392426},{"text":"Yeah.","start":362.41998,"end":362.74,"sentiment":"neutral","sentiment_score":0.14004915952682495},{"text":"I'm actually happy with everything else.","start":362.74,"end":364.75998,"sentiment":"positive","sentiment_score":0.39942996203899384},{"text":"It's all good.","start":365.44693,"end":366.34695,"sentiment":"neutral","sentiment_score":0.07503385345141093},{"text":"Okay.","start":372.56696,"end":372.96695,"sentiment":"positive","sentiment_score":0.4651623070240021}],"sentiment":"neutral","sentiment_score":0.27104472555220127,"num_words":12,"start":361.06,"end":372.96695},{"sentences":[{"text":"Thank you very much.","start":372.96695,"end":374.02695,"sentiment":"positive","sentiment_score":0.8418352007865906},{"text":"Sounds good.","start":374.80695,"end":375.36694,"sentiment":"positive","sentiment_score":0.7413659989833832},{"text":"Thank you.","start":375.36694,"end":376.02695,"sentiment":"positive","sentiment_score":0.7046264410018921},{"text":"Bye.","start":376.08694,"end":376.58694,"sentiment":"neutral","sentiment_score":-0.08264727890491486}],"sentiment":"positive","sentiment_score":0.6862976004679998,"num_words":9,"start":372.96695,"end":376.58694}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Julie. It's Carl calling from OP Financial. How are you today?\n\nChannel 1: I'm good. Thank you.\n\nChannel 0: Yep. That's good to hear. I was just calling for a bit of a a catch up there. Is do you have a bit of time this afternoon?\n\nChannel 1: Yeah. Both Keith and I are both here.\n\nChannel 0: Oh, sorry. It cut out a little bit. What was that?\n\nChannel 1: Keith and I are both here.\n\nChannel 0: Oh, okay. Not a problem at all. So it was mainly in regards to your cell fix. I know we were just doing the quick update there, but if I could pass you through security, Julie, with that name, date of birth, and current address?\n\nChannel 1: Yeah. Julie Rose Douglas. 1968. 26 George Street, Collinsville.\n\nChannel 0: Perfect. Thanks for that, Julie. So the reason for my call, I don't know if you remember. It was a few months ago there now during our previous call there. We were just doing an update in regards to your advice piece just given to how old it was, and you weren't looking to do any changes just given what you're working through at the moment.\n\nNow with that one, they were doing basically the no changes away. But when I was come to reviewing it there, at the moment, there was just an investment. I don't know if you remember Ben along within your fund that wasn't performing too great, and then now it's\n\nChannel 1: Yes.\n\nChannel 0: gone a little bit backwards just due to an underlying investment that did get done for not reporting correctly. So it did take quite a backwards step. Now I know you were happy with your returns, and your returns are a whole it's still, like, 8.92 after fees, which is still quite good, but I would wanna be looking at removing that that Benelong. Now I know you originally were happy with your returns, happy with the investment. We can look at replacing, like, your whole portfolio and doing a bit of a refresh, or we can just look to replace the Benelong portion of that fund either with an actively managed fund or just with an equivalent index fund that doesn't have the additional cost of an actively managed fund, if that makes sense.\n\nChannel 1: Do whatever you think is you need to do, mate. That's why I have it with you.\n\nChannel 0: Perfect.\n\nChannel 1: I yeah. I don't really understand all of it, you know, and what you're doing. As long as you make me money, I don't care.\n\nChannel 0: Okay. Not a problem at all. And disregard to your details there, just because it has been a little bit there, Julie. Has anything sort of significant changed? I know you sort of you know, you were caring for your partner a bit there and yourself were going through a little bit of sort of operations on the arm and everything like that.\n\nIs everything largely good at the moment? Nothing sort of changed in regards to it? You're still working\n\nChannel 1: I'm still\n\nChannel 0: as\n\nChannel 1: working, but my hubby's still\n\nChannel 0: well?\n\nChannel 1: not able to work.\n\nChannel 0: Yeah. Yeah. And then largely everything else is going alright, still managing to pay all all the bills and everything as well? I know you had quite a bit of savings sitting there, but everything's largely unchanged since we last spoke.\n\nChannel 1: Yeah. Everything's fine\n\nChannel 0: Okay. Not a problem\n\nChannel 1: financially,\n\nChannel 0: at all.\n\nChannel 1: so it's all good.\n\nChannel 0: That's good to hear. If you ever did need the OQ budget planner as well, if things were getting a little more tight, we can pass that along as well to help budget out your money a little bit further. But given that information there as well, Julie, I'd be looking potentially to get you booked in not next week, but possibly the week after. Would sort of next not like the Thursday, the twenty sixth work for you to just give you that updated document?\n\nChannel 1: I'm actually away until the end of next month. So I'm\n\nChannel 0: Till the end of\n\nChannel 1: we're\n\nChannel 0: March.\n\nChannel 1: doing a\n\nChannel 0: Sorry. Was it?\n\nChannel 1: yeah. We're doing a road trip To Adelaide. To Adelaide just, you know, to get my old man\n\nChannel 0: Okay.\n\nChannel 1: out of the house and, hopefully, it makes him feel a bit better, have a holiday.\n\nChannel 0: Okay. Not a problem. So you'll be back sort of the March there then?\n\nChannel 1: March. Yeah. '20.\n\nChannel 0: Alright.\n\nChannel 1: From about twenty second onwards, I think.\n\nChannel 0: Okay. Well, what I can do is I can just put it in the calendar there just to touch base. I'll get this sort of finalized before that date anyway, and\n\nChannel 1: Yes.\n\nChannel 0: then we'll reach out then and see if you're back and ready to have a conversation. I don't wanna sort of interrupt you while you're having, you know, your holiday and getting out and about.\n\nChannel 1: Yep.\n\nChannel 0: So I'll just put a reminder at the March 22, maybe twenty third day because that's the Monday just to reach out and touch base, get you booked in. And it would just probably look like to be an investment update if you're not looking to tell or change anything else in the meantime. But do you have any sort of questions for me? Anything you wanna have a chat about while you've got me there, Julie?\n\nChannel 1: Yeah. Yeah. Just if you think that it's gonna perform better in something that's reasonably safe, just go ahead and do it.\n\nChannel 0: Yeah. Yeah. Not a problem. We'll I'll toss it up just because we weren't gonna touch anything originally. But given that bed along fund, it hasn't been performing too fantastic over the past five years.\n\nAnd then given that\n\nChannel 1: Yeah.\n\nChannel 0: announcement, it took obviously quite the backward step. So the company is itself moving is moving away from an actively managed fund. And given your sort of age and time till retirement there as well, you probably don't need to look at having an active portion. We can look to be a little bit more index, a little bit safer. Even though your\n\nChannel 1: Yeah.\n\nChannel 0: fund has said has been performing well even with that little bit of a backward step with that, you know, for a balanced growth fund to get 8.92% off the fees is really still quite good.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Not a\n\nChannel 1: That's\n\nChannel 0: not\n\nChannel 1: alright.\n\nChannel 0: a\n\nChannel 1: Yeah. So, yeah, anything from the twenty third on. And\n\nChannel 0: problem.\n\nChannel 1: if you could make it, you know, about this time or 04:00 because I actually don't finish work till 03:30. I mean, I finished a little bit early today.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Well, I'll check it in my calendar for your in Queensland, then you'll be back in Queensland. That's around 04:30 Queensland time, that Monday, the twenty third. And if I get a hold of you, we can just go through the document. If I just get you for a brief second, I could just book in something as well. And\n\nChannel 1: Yep.\n\nChannel 0: then that\n\nChannel 1: Too\n\nChannel 0: way,\n\nChannel 1: easy.\n\nChannel 0: we\n\nChannel 1: Yep.\n\nChannel 0: we can go from there. Not a problem at all. So that's scheduled in there for the 04:30, Monday the twenty third. If I don't get ahold of you, that's not a huge deal. I'll just call you at a different time there as well.\n\nThat's not a problem. But, otherwise,\n\nChannel 1: Too easy.\n\nChannel 0: is there anything anything else you wanna have a chat about there, Julie, while you've got me at all or largely happy\n\nChannel 1: No.\n\nChannel 0: with everything else?\n\nChannel 1: Yeah. I'm actually happy with everything else.\n\nChannel 0: Brilliant.\n\nChannel 1: It's all\n\nChannel 0: Not a\n\nChannel 1: good.\n\nChannel 0: problem at all. Well, you enjoy your trip there and your drive. And, yeah, you guys have fun. Stay safe, and we'll talk soon.\n\nChannel 1: Okay. Thank you very much.\n\nChannel 0: Sounds good. Thanks.\n\nChannel 1: Sounds good.\n\nChannel 0: Bye.\n\nChannel 1: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.03499279171228409}],"sentiment":"neutral","sentiment_score":0.03499279171228409,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Good afternoon, Julie.","start":2.1599998,"end":3.12,"sentiment":"neutral","sentiment_score":0.30494985977808636},{"text":"It's Carl calling from OP Financial.","start":3.12,"end":4.74,"sentiment":"neutral","sentiment_score":0.20931574453910193},{"text":"How are you today?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.2535572797060013}],"sentiment":"neutral","sentiment_score":0.24499793579945198,"channel":0,"num_words":13,"start":2.1599998,"end":5.62},{"sentences":[{"text":"I'm good.","start":5.8399997,"end":6.16,"sentiment":"positive","sentiment_score":0.5066924095153809},{"text":"Thank you.","start":6.16,"end":6.8999996,"sentiment":"positive","sentiment_score":0.6174151003360748}],"sentiment":"positive","sentiment_score":0.5620537549257278,"channel":1,"num_words":4,"start":5.8399997,"end":6.8999996},{"sentences":[{"text":"Yep.","start":7.6,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.26158851385116577},{"text":"That's good to hear.","start":7.9199996,"end":8.96,"sentiment":"positive","sentiment_score":0.4926113113760948},{"text":"I was just calling for a bit of a a catch up there.","start":8.96,"end":11.44,"sentiment":"neutral","sentiment_score":0.07875282775897247},{"text":"Is do you have a bit of time this afternoon?","start":11.44,"end":13.035,"sentiment":"neutral","sentiment_score":0.031115337647497653}],"sentiment":"neutral","sentiment_score":0.12739192488204157,"channel":0,"num_words":28,"start":7.6,"end":13.035},{"sentences":[{"text":"Yeah.","start":13.599999,"end":13.92,"sentiment":"neutral","sentiment_score":0.028102155774831772},{"text":"Both Keith and I are both here.","start":13.92,"end":15.78,"sentiment":"neutral","sentiment_score":0.03251221137387412}],"sentiment":"neutral","sentiment_score":0.031960954423993826,"channel":1,"num_words":8,"start":13.599999,"end":15.78},{"sentences":[{"text":"Oh, sorry.","start":17.275,"end":17.755,"sentiment":"neutral","sentiment_score":-0.010920535773038864},{"text":"It cut out a little bit.","start":17.755,"end":18.795,"sentiment":"neutral","sentiment_score":-0.04302921953300635},{"text":"What was that?","start":18.795,"end":19.615,"sentiment":"neutral","sentiment_score":-0.010851121818025907}],"sentiment":"neutral","sentiment_score":-0.028415432199835777,"channel":0,"num_words":11,"start":17.275,"end":19.615},{"sentences":[{"text":"Keith and I are both here.","start":20.355,"end":21.815,"sentiment":"neutral","sentiment_score":0.01748524544139703}],"sentiment":"neutral","sentiment_score":0.01748524544139703,"channel":1,"num_words":6,"start":20.355,"end":21.815},{"sentences":[{"text":"Oh, okay.","start":22.395,"end":23.134998,"sentiment":"neutral","sentiment_score":0.05299093574285507},{"text":"Not a problem at all.","start":23.355,"end":24.474998,"sentiment":"neutral","sentiment_score":0.11885988712310791},{"text":"So it was mainly in regards to your cell fix.","start":24.474998,"end":26.71,"sentiment":"neutral","sentiment_score":0.03146454505622387},{"text":"I know we were just doing the quick update there, but if I could pass you through security, Julie, with that name, date of birth, and current address?","start":26.71,"end":32.17,"sentiment":"neutral","sentiment_score":0.027787539908396348}],"sentiment":"neutral","sentiment_score":0.03984395277996858,"channel":0,"num_words":45,"start":22.395,"end":32.17},{"sentences":[{"text":"Yeah.","start":32.52,"end":33.02,"sentiment":"neutral","sentiment_score":0.010564789175987244},{"text":"Julie Rose Douglas.","start":33.24,"end":34.46,"sentiment":"neutral","sentiment_score":0.007224325245867173},{"text":"1968.","start":35.0,"end":37.74,"sentiment":"neutral","sentiment_score":0.006625138223171234},{"text":"26 George Street, Collinsville.","start":38.2,"end":39.9,"sentiment":"neutral","sentiment_score":0.01124679809436202}],"sentiment":"neutral","sentiment_score":0.009316677279356454,"channel":1,"num_words":9,"start":32.52,"end":39.9},{"sentences":[{"text":"Perfect.","start":40.79,"end":41.11,"sentiment":"positive","sentiment_score":0.4724019169807434},{"text":"Thanks for that, Julie.","start":41.11,"end":42.105,"sentiment":"positive","sentiment_score":0.4914754629135132},{"text":"So the reason for my call, I don't know if you remember.","start":42.425,"end":44.585,"sentiment":"neutral","sentiment_score":-0.05123914871364832},{"text":"It was a few months ago there now during our previous call there.","start":44.585,"end":48.345,"sentiment":"neutral","sentiment_score":-0.09195848726309262},{"text":"We were just doing an update in regards to your advice piece just given to how old it was, and you weren't looking to do any changes just given what you're working through at the moment.","start":48.345,"end":57.449997,"sentiment":"neutral","sentiment_score":-0.138222626513905}],"sentiment":"neutral","sentiment_score":-0.0658794076492389,"channel":0,"num_words":66,"start":40.79,"end":57.449997},{"sentences":[{"text":"Now with that one, they were doing basically the no changes away.","start":58.309998,"end":61.35,"sentiment":"neutral","sentiment_score":-0.1932967392106851},{"text":"But when I was come to reviewing it there, at the moment, there was just an investment.","start":61.35,"end":66.31,"sentiment":"neutral","sentiment_score":-0.14442692609394298},{"text":"I don't know if you remember Ben along within your fund that wasn't performing too great, and then now it's","start":66.31,"end":71.725,"sentiment":"neutral","sentiment_score":-0.1586161032319069}],"sentiment":"neutral","sentiment_score":-0.16218654446455896,"channel":0,"num_words":49,"start":58.309998,"end":71.725},{"sentences":[{"text":"Yes.","start":71.55,"end":72.05,"sentiment":"neutral","sentiment_score":-0.11697946488857268}],"sentiment":"neutral","sentiment_score":-0.11697946488857268,"channel":1,"num_words":1,"start":71.55,"end":72.05},{"sentences":[{"text":"gone a little bit backwards just due to an underlying investment that did get done for not reporting correctly.","start":71.725,"end":77.965,"sentiment":"neutral","sentiment_score":-0.28391899795908676},{"text":"So it did take quite a backwards step.","start":77.965,"end":79.825,"sentiment":"neutral","sentiment_score":-0.3045527748763561},{"text":"Now I know you were happy with your returns, and your returns are a whole it's still, like, 8.92 after fees, which is still quite good, but I would wanna be looking at removing that that Benelong.","start":80.15,"end":92.17,"sentiment":"neutral","sentiment_score":-0.08754950852410213},{"text":"Now I know you originally were happy with your returns, happy with the investment.","start":92.23,"end":95.29,"sentiment":"neutral","sentiment_score":0.17188060802540608},{"text":"We can look at replacing, like, your whole portfolio and doing a bit of a refresh, or we can just look to replace the Benelong portion of that fund either with an actively managed fund or just with an equivalent index fund that doesn't have the additional cost of an actively managed fund, if that makes sense.","start":96.285,"end":113.04,"sentiment":"neutral","sentiment_score":0.04074253177825819}],"sentiment":"neutral","sentiment_score":-0.04697453445858425,"channel":0,"num_words":135,"start":71.725,"end":113.04},{"sentences":[{"text":"Do whatever you think is you need to do, mate.","start":113.5,"end":116.54,"sentiment":"neutral","sentiment_score":0.05194080211222172},{"text":"That's why I have it with you.","start":116.54,"end":118.48,"sentiment":"neutral","sentiment_score":0.07029681599565915}],"sentiment":"neutral","sentiment_score":0.059499160770107716,"channel":1,"num_words":17,"start":113.5,"end":118.48},{"sentences":[{"text":"Perfect.","start":119.1,"end":119.6,"sentiment":"positive","sentiment_score":0.33507147431373596}],"sentiment":"positive","sentiment_score":0.33507147431373596,"channel":0,"num_words":1,"start":119.1,"end":119.6},{"sentences":[{"text":"I yeah.","start":119.420006,"end":120.46,"sentiment":"neutral","sentiment_score":-0.058298543095588684},{"text":"I don't really understand all of it, you know, and what you're doing.","start":120.46,"end":123.420006,"sentiment":"neutral","sentiment_score":-0.2455213494025744},{"text":"As long as you make me money, I don't care.","start":123.420006,"end":125.520004,"sentiment":"neutral","sentiment_score":-0.28223008662462234}],"sentiment":"neutral","sentiment_score":-0.24522701978683473,"channel":1,"num_words":25,"start":119.420006,"end":125.520004},{"sentences":[{"text":"Okay.","start":126.075,"end":126.575,"sentiment":"neutral","sentiment_score":0.000645563006401062},{"text":"Not a problem at all.","start":126.715,"end":127.994995,"sentiment":"neutral","sentiment_score":0.05544297099113464},{"text":"And disregard to your details there, just because it has been a little bit there, Julie.","start":127.994995,"end":131.355,"sentiment":"neutral","sentiment_score":-0.023367545451037586},{"text":"Has anything sort of significant changed?","start":131.355,"end":132.81,"sentiment":"neutral","sentiment_score":-0.1306580069164435},{"text":"I know you sort of you know, you were caring for your partner a bit there and yourself were going through a little bit of sort of operations on the arm and everything like that.","start":132.81,"end":140.89,"sentiment":"neutral","sentiment_score":-0.06604078784584999}],"sentiment":"neutral","sentiment_score":-0.050657078180284726,"channel":0,"num_words":63,"start":126.075,"end":140.89},{"sentences":[{"text":"Is everything largely good at the moment?","start":140.89,"end":142.73,"sentiment":"neutral","sentiment_score":0.10018380305596761},{"text":"Nothing sort of changed in regards to it?","start":142.73,"end":144.65,"sentiment":"neutral","sentiment_score":-0.05629103351384401},{"text":"You're still 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otherwise,","start":356.36,"end":356.91998,"sentiment":"neutral","sentiment_score":0.08966591954231262}],"sentiment":"neutral","sentiment_score":0.1423831358551979,"channel":0,"num_words":6,"start":354.6,"end":356.91998},{"sentences":[{"text":"Too easy.","start":356.555,"end":357.215,"sentiment":"neutral","sentiment_score":0.1117565780878067}],"sentiment":"neutral","sentiment_score":0.1117565780878067,"channel":1,"num_words":2,"start":356.555,"end":357.215},{"sentences":[{"text":"is there anything anything else you wanna have a chat about there, Julie, while you've got me at all or largely happy","start":356.91998,"end":361.16,"sentiment":"neutral","sentiment_score":0.09016701240431178}],"sentiment":"neutral","sentiment_score":0.09016701240431178,"channel":0,"num_words":22,"start":356.91998,"end":361.16},{"sentences":[{"text":"No.","start":361.06,"end":361.56,"sentiment":"neutral","sentiment_score":0.025643907487392426}],"sentiment":"neutral","sentiment_score":0.025643907487392426,"channel":1,"num_words":1,"start":361.06,"end":361.56},{"sentences":[{"text":"with everything else?","start":361.16,"end":362.13998,"sentiment":"neutral","sentiment_score":0.030032648394505184}],"sentiment":"neutral","sentiment_score":0.030032648394505184,"channel":0,"num_words":3,"start":361.16,"end":362.13998},{"sentences":[{"text":"Yeah.","start":362.41998,"end":362.74,"sentiment":"neutral","sentiment_score":0.14004915952682495},{"text":"I'm actually happy with everything else.","start":362.74,"end":364.75998,"sentiment":"positive","sentiment_score":0.39942996203899384}],"sentiment":"positive","sentiment_score":0.3623755616801126,"channel":1,"num_words":7,"start":362.41998,"end":364.75998},{"sentences":[{"text":"Brilliant.","start":365.405,"end":365.64502,"sentiment":"positive","sentiment_score":0.4822783768177033}],"sentiment":"positive","sentiment_score":0.4822783768177033,"channel":0,"num_words":1,"start":365.405,"end":365.64502},{"sentences":[{"text":"It's all","start":365.44693,"end":365.84695,"sentiment":"neutral","sentiment_score":0.14209774881601334}],"sentiment":"neutral","sentiment_score":0.14209774881601334,"channel":1,"num_words":2,"start":365.44693,"end":365.84695},{"sentences":[{"text":"Not a","start":365.64502,"end":365.885,"sentiment":"neutral","sentiment_score":0.06166325137019158}],"sentiment":"neutral","sentiment_score":0.06166325137019158,"channel":0,"num_words":2,"start":365.64502,"end":365.885},{"sentences":[{"text":"good.","start":365.84695,"end":366.34695,"sentiment":"neutral","sentiment_score":-0.05909393727779389}],"sentiment":"neutral","sentiment_score":-0.05909393727779389,"channel":1,"num_words":1,"start":365.84695,"end":366.34695},{"sentences":[{"text":"problem at all.","start":365.885,"end":366.685,"sentiment":"neutral","sentiment_score":0.10828908532857895},{"text":"Well, you enjoy your trip there and your drive.","start":366.685,"end":368.785,"sentiment":"positive","sentiment_score":0.6457765301068624},{"text":"And, yeah, you guys have fun.","start":368.92502,"end":370.605,"sentiment":"positive","sentiment_score":0.5586584210395813},{"text":"Stay safe, and we'll talk soon.","start":370.605,"end":372.14502,"sentiment":"positive","sentiment_score":0.39031452933947247}],"sentiment":"positive","sentiment_score":0.4929455720509092,"channel":0,"num_words":24,"start":365.885,"end":372.14502},{"sentences":[{"text":"Okay.","start":372.56696,"end":372.96695,"sentiment":"positive","sentiment_score":0.4651623070240021},{"text":"Thank you very much.","start":372.96695,"end":374.02695,"sentiment":"positive","sentiment_score":0.8418352007865906}],"sentiment":"positive","sentiment_score":0.7665006220340729,"channel":1,"num_words":5,"start":372.56696,"end":374.02695},{"sentences":[{"text":"Sounds good.","start":374.20502,"end":374.765,"sentiment":"positive","sentiment_score":0.8427947163581848},{"text":"Thanks.","start":374.765,"end":375.165,"sentiment":"positive","sentiment_score":0.8039937019348145}],"sentiment":"positive","sentiment_score":0.829861044883728,"channel":0,"num_words":3,"start":374.20502,"end":375.165},{"sentences":[{"text":"Sounds good.","start":374.80695,"end":375.36694,"sentiment":"positive","sentiment_score":0.7413659989833832}],"sentiment":"positive","sentiment_score":0.7413659989833832,"channel":1,"num_words":2,"start":374.80695,"end":375.36694},{"sentences":[{"text":"Bye.","start":375.165,"end":375.665,"sentiment":"positive","sentiment_score":0.4698784351348877}],"sentiment":"positive","sentiment_score":0.4698784351348877,"channel":0,"num_words":1,"start":375.165,"end":375.665},{"sentences":[{"text":"Thank you.","start":375.36694,"end":376.02695,"sentiment":"positive","sentiment_score":0.7046264410018921},{"text":"Bye.","start":376.08694,"end":376.58694,"sentiment":"neutral","sentiment_score":-0.08264727890491486}],"sentiment":"positive","sentiment_score":0.4422018676996231,"channel":1,"num_words":3,"start":375.36694,"end":376.58694}]},"summary":{"result":"success","short":"The agent from OP Financial called the customer, Julie, to discuss her investment portfolio. The agent informed Julie that they were just updating her advice and that she had been happy with her returns. The agent suggested that they could replace the Benelong portion of the fund with an equivalent index fund and that they could book her for a budget plan later. The agent also offered to book her for a brief second if needed."},"intents":{"segments":[{"text":"So it was mainly in regards to your cell fix. I know we were just doing the quick update there, but if I could pass you through security, Julie, with that name, date of birth, and current address? Yeah.","start_word":78,"end_word":116,"intents":[{"intent":"Update information","confidence_score":0.09642612}]},{"text":"We can look at replacing, like, your whole portfolio and doing a bit of a refresh, or we can just look to replace the Benelong portion of that fund either with an actively managed fund or just with an equivalent index fund that doesn't have the additional cost of an actively managed fund, if that makes sense.","start_word":320,"end_word":376,"intents":[{"intent":"Replace portfolio","confidence_score":0.9407018},{"intent":"Consider alternative options","confidence_score":0.0009396225}]},{"text":"I don't really understand all of it, you know, and what you're doing. As long as you make me money, I don't care. Okay.","start_word":396,"end_word":419,"intents":[{"intent":"Understand situation","confidence_score":0.09772851}]},{"text":"Has anything sort of significant changed?","start_word":441,"end_word":446,"intents":[{"intent":"Consider changes","confidence_score":0.007562454}]},{"text":"But given that information there as well, Julie, I'd be looking potentially to get you booked in not next week, but possibly the week after.","start_word":608,"end_word":632,"intents":[{"intent":"Consider booking","confidence_score":0.094274014}]},{"text":"Would sort of next not like the Thursday, the twenty sixth work for you to just give you that updated document?","start_word":633,"end_word":653,"intents":[{"intent":"Provide document","confidence_score":0.42679048}]},{"text":"And it would just probably look like to be an investment update if you're not looking to tell or change anything else in the meantime.","start_word":833,"end_word":857,"intents":[{"intent":"Finalize and discuss investment update","confidence_score":0.002850072}]},{"text":"Just if you think that it's gonna perform better in something that's reasonably safe, just go ahead and do it. Yeah.","start_word":883,"end_word":903,"intents":[{"intent":"Discuss safety and performance in general","confidence_score":2.174001e-7}]},{"text":"So that's scheduled in there for the 04:30, Monday the twenty third. If I don't get ahold of you, that's not a huge deal. I'll just call you at a different time there as well.","start_word":1171,"end_word":1205,"intents":[{"intent":"Schedule meeting","confidence_score":0.27442458}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Julie. It's Carl calling from OP Financial. How are you today?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.2309685051441193},{"text":"I'm good. Thank you.","start_word":14,"end_word":17,"sentiment":"positive","sentiment_score":0.5357165932655334},{"text":"Yep.","start_word":18,"end_word":18,"sentiment":"neutral","sentiment_score":0.26158851385116577},{"text":"That's good to hear.","start_word":19,"end_word":22,"sentiment":"positive","sentiment_score":0.4714532792568207},{"text":"I was just calling for a bit of a a catch up there. Is do you have a bit of time this afternoon? Yeah. Both Keith and I are both here. Oh, sorry. It cut out a little bit. What was that? Keith and I are both here. Oh, okay. Not a problem at all. So it was mainly in regards to your cell fix. I know we were just doing the quick update there, but if I could pass you through security, Julie, with that name, date of birth, and current address? Yeah. Julie Rose Douglas. 1968. 26 George Street, Collinsville.","start_word":23,"end_word":124,"sentiment":"neutral","sentiment_score":0.03175493702292442},{"text":"Perfect. Thanks for that, Julie.","start_word":125,"end_word":129,"sentiment":"positive","sentiment_score":0.4717729687690735},{"text":"So the reason for my call, I don't know if you remember. It was a few months ago there now during our previous call there. We were just doing an update in regards to your advice piece just given to how old it was, and you weren't looking to do any changes just given what you're working through at the moment. Now with that one, they were doing basically the no changes away. But when I was come to reviewing it there, at the moment, there was just an investment. I don't know if you remember Ben along within your fund that wasn't performing too great, and then now it's Yes. gone a little bit backwards just due to an underlying investment that did get done for not reporting correctly. So it did take quite a backwards step. Now I know you were happy with your returns, and your returns are a whole it's still, like, 8.92 after fees, which is still quite good, but I would wanna be looking at removing that that Benelong. Now I know you originally were happy with your returns, happy with the investment. We can look at replacing, like, your whole portfolio and doing a bit of a refresh, or we can just look to replace the Benelong portion of that fund either with an actively managed fund or just with an equivalent index fund that doesn't have the additional cost of an actively managed fund, if that makes sense. Do whatever you think is you need to do, mate. That's why I have it with you.","start_word":130,"end_word":392,"sentiment":"neutral","sentiment_score":-0.0789677294771481},{"text":"Perfect.","start_word":393,"end_word":393,"sentiment":"positive","sentiment_score":0.33507147431373596},{"text":"I yeah. I don't really understand all of it, you know, and what you're doing. As long as you make me money, I don't care. Okay. Not a problem at all. And disregard to your details there, just because it has been a little bit there, Julie. Has anything sort of significant changed? I know you sort of you know, you were caring for your partner a bit there and yourself were going through a little bit of sort of operations on the arm and everything like that. Is everything largely good at the moment? Nothing sort of changed in regards to it? You're still working I'm still as working, but my hubby's still well? not able to work. Yeah. Yeah. And then largely everything else is going alright, still managing to pay all all the bills and everything as well? I know you had quite a bit of savings sitting there, but everything's largely unchanged since we last spoke. Yeah. Everything's fine Okay. Not a problem financially, at all.","start_word":394,"end_word":563,"sentiment":"neutral","sentiment_score":-0.033123042434453964},{"text":"so it's all good. That's good to hear.","start_word":564,"end_word":571,"sentiment":"positive","sentiment_score":0.5193436741828918},{"text":"If you ever did need the OQ budget planner as well, if things were getting a little more tight, we can pass that along as well to help budget out your money a little bit further. But given that information there as well, Julie, I'd be looking potentially to get you booked in not next week, but possibly the week after. Would sort of next not like the Thursday, the twenty sixth work for you to just give you that updated document? I'm actually away until the end of next month. So I'm Till the end of we're March. doing a Sorry. Was it? yeah. We're doing a road trip To Adelaide. To Adelaide just, you know, to get my old man Okay. out of the house and, hopefully, it makes him feel a bit better, have a holiday. Okay. Not a problem. So you'll be back sort of the March there then? March. Yeah. '20. Alright. From about twenty second onwards, I think. Okay. Well, what I can do is I can just put it in the calendar there just to touch base. I'll get this sort of finalized before that date anyway, and Yes. then we'll reach out then and see if you're back and ready to have a conversation. I don't wanna sort of interrupt you while you're having, you know, your holiday and getting out and about. Yep. So I'll just put a reminder at the March 22, maybe twenty third day because that's the Monday just to reach out and touch base, get you booked in. And it would just probably look like to be an investment update if you're not looking to tell or change anything else in the meantime. But do you have any sort of questions for me? Anything you wanna have a chat about while you've got me there, Julie? Yeah. Yeah. Just if you think that it's gonna perform better in something that's reasonably safe, just go ahead and do it. Yeah. Yeah. Not a problem. We'll I'll toss it up just because we weren't gonna touch anything originally.","start_word":572,"end_word":920,"sentiment":"neutral","sentiment_score":0.09713618833048636},{"text":"But given that bed along fund, it hasn't been performing too fantastic over the past five years.","start_word":921,"end_word":937,"sentiment":"negative","sentiment_score":-0.401145339012146},{"text":"And then given that Yeah.","start_word":938,"end_word":942,"sentiment":"neutral","sentiment_score":-0.19042468070983887},{"text":"announcement, it took obviously quite the backward step. So the company is itself moving is moving away from an actively managed fund.","start_word":943,"end_word":964,"sentiment":"negative","sentiment_score":-0.382599800825119},{"text":"And given your sort of age and time till retirement there as well, you probably don't need to look at having an active portion. We can look to be a little bit more index, a little bit safer. Even though your Yeah. fund has said has been performing well even with that little bit of a backward step with that, you know, for a balanced growth fund to get 8.92% off the fees is really still quite good. Mhmm. Yep. Not a That's not alright. a Yeah. So, yeah, anything from the twenty third on. And problem. if you could make it, you know, about this time or 04:00 because I actually don't finish work till 03:30. I mean, I finished a little bit early today. Okay. So Well, I'll check it in my calendar for your in Queensland, then you'll be back in Queensland. That's around 04:30 Queensland time, that Monday, the twenty third. And if I get a hold of you, we can just go through the document. If I just get you for a brief second, I could just book in something as well. And Yep. then that Too way, easy. we Yep. we can go from there. Not a problem at all. So that's scheduled in there for the 04:30, Monday the twenty third. If I don't get ahold of you, that's not a huge deal. I'll just call you at a different time there as well. That's not a problem. But, otherwise, Too easy. is there anything anything else you wanna have a chat about there, Julie, while you've got me at all or largely happy No. with everything else? Yeah.","start_word":965,"end_word":1240,"sentiment":"neutral","sentiment_score":0.08882273733615875},{"text":"I'm actually happy with everything else. Brilliant.","start_word":1241,"end_word":1247,"sentiment":"positive","sentiment_score":0.3931313455104828},{"text":"It's all Not a good. problem at all.","start_word":1248,"end_word":1255,"sentiment":"neutral","sentiment_score":0.08537092804908752},{"text":"Well, you enjoy your trip there and your drive. And, yeah, you guys have fun. Stay safe, and we'll talk soon. Okay. Thank you very much. Sounds good. Thanks. Sounds good. Bye. Thank you. Bye.","start_word":1256,"end_word":1290,"sentiment":"positive","sentiment_score":0.5932891028267997}],"average":{"sentiment":"neutral","sentiment_score":0.05343831785027448}}}}