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Mate, I was just giving you a call because we were trying to organize a bit of an annual review with you, and you did mention that you might have a bit of time yesterday and today. I did have a a slot open up for the next hour or so if you if you still had a bit of time for me potentially. Awesome. Fantastic. So what I've got coming through to you is I'm gonna email through, like, an annual review pack with all of your, like, your performance, updated services guides, certificate of currency for your insurances to your Yahoo email. Is that still your current email, mate? Perfect. If you do have a bit of time for me, I just need to go through a quick security check if that's okay. Beautiful. So I'm registered with ASIC as Adviser 1273105. Could you please confirm your date of birth and address? Fantastic. Really appreciate that. I'm gonna shoot this pack through to you now just so you've got it on record. Do you have access to look onto your emails with me today, or do you want me to just kinda walk through what's in the pack? Yeah. No. That's fine. It's more just to go through that performance and insurances together just so you can sort of see what I'm seeing. But whatever's easier for you, mate. I I'm happy to sort of switch it around. I can hear you loud and clear. Am I coming through okay? Awesome. So I'm popping that through now. Because we've switched to a new system, it's coming through from our new CRM, which is called Odoo. It may come through to your spam box or your main inbox. It usually is pretty well instant. I have had a couple of people where it took a few minutes, so just let me know if that comes through. Okay? Awesome. Awesome. Awesome. And are you okay for the call to be recorded? Fantastic. And how have you been, mate? Can't complain. Well, it's on fire, and everything's going steady for you. Good to hear. Good to hear. Just makes life a bit more interesting. What's life without a bit of drama? Absolutely, Grant. Is there anything in particular that you were sort of hoping to get out of this year's review just so I can kind of tailor things a bit? Yes. That's what I wanted to talk to you about today. Yeah. You're kind of left in the dark a little bit, and it's been a bit all over the shop. Yeah. Now I'm glad that you mentioned it because that's why I was hoping to catch you today because we called them up today. I like to do a bit of a a deep dive I do a review just to make sure I can see everything as an adviser. And I have confirmed it's all enforced. All the policies are still there. You're still insured, protected, all that kind of thing. What ended up happening so they had a the whole Clearview company, they're, like, top three biggest insurer in Australia. They had a a systems error around Christmas time, and no payments came in from anybody. So what happens, they cleared that up over Christmas, and the rollover came through from the super for, like, your life insurance, disability, income protection. But what you've recently received was for your trauma cover. That's like your heart attack, stroke, and cancer, and your your income protection definition, which you've got out of pocket. They've got a premium set to come out on the April 27. So what's happened, because of all the issues that happened in in November, December, they haven't taken out that monthly I think it's 45 a month that they were taking out. They didn't take it out in December, January, February, and March. And that's what they've sent you, that they're gonna try and debit that on the '20 April 7. They did I spoke to them just before, and my team called them up. They did waive a month's premiums for the error because they wanted to sort of apologize to every single client that they have, but that is set to come out on the twenty seventh. Yeah. No. That's perfect. You explained it perfectly well. 5 20 5. I'm gonna go on to the online letters from Clearview and see if I can find it. It should be they've told us today 25360. If it's $5.25, I'm gonna find out straight away. That may have been for the other cover through the super. Oh, yeah. Because five twenty five. Yeah. Yep. And maybe it's because there's the two policies. So there would be a couple of things. Right? The anniversary was in November. So they tell you, here's your updated policy for a year, which may have said that 05/25, and then you've got the debit that they're trying to catch up on. So I'll try and double check all of that for you after this call, and I'll send you a bit of a text as well because I wanna make sure nothing happens out of the blue without you knowing about it. Let me just have a look here. Yeah. Premium came out of the super okay. I'm thinking that's the anniversary premium, so I'm just gonna message my team quickly. Can you please check anniversary notice and total yearly premium for 2026. Awesome. I will figure that out for you and let you know. Just to kind of review that cover a little bit because you've got pretty well, like, a full suite. Like, everything is protected. You've got life insurance, that's 758,000 worth of cover. It's, like, $7.92 a year. Not too bad. As far as what that covers, so, obviously, your your mortgage is cleared because last time, I think, we had it about $2.60. Has that gone down a lot? Yeah. Yeah. Yep. So we'll call it in the middle there about $3.90 owing. So what that basically means is that let's say you can never work again. You're in a car accident. You're you're knocked out for life. That clears your mortgage, leaves you with about $3.53 60, and then your super on top, which is getting closer to the $100 market sitting at $87.00 5 6. So call it a little over $400 plus the mortgage paid off. That's kind of the situation you're looking at. Do you need me to look at increasing that to cover the extra debt, or are you happy with that amount? Yep. The way I kinda work it out, and it's like a just a little bit of a work back, is let's say you've got, like, that $3.90 there. It equates to I think we had your income at about $80. Has that gone up? Yep. So I reckon taking into account tax, you're probably looking at, like, mortgage cleared and five years worth of expenses covered plus your income protection on top. That sound alright? Perfect. What about house value? Is that skyrocketed along with everybody else's? 93. Yep. Last financial year. And is that a lot of, like, overtime on top, or is that just kind of hourly base rate full time? Okay. So would that work out then saying, like, our base income of about $80 total income about 90 per year with just a little bit of extra, or is that would you say that's inaccurate? Mhmm. Okay. Yeah. Right. So it's more close to, like, 86 or something like that. And what I might do too is you're you're still working for Paul Bills Plumbing and Gas. I can see that's still coming through. Your contributions are basically the same every single time, which is really helpful because that basically tells me is this fortnightly we've got, oh, jeez, they're a little bit a little bit all over the shop. Let me just check this. $206.47 comes in. I'm gonna get her let's go fortnightly for a second. Provide that back. No. That's not right. We'll do weekly. Yeah. There we go. So if I work that back as a weekly, which is really good because they've made those changes where the employees have to pay them in line with your pay cycle into your super. So previously, quarterly, you'd have to wait three months for the super to come in. These guys are paying you basically every week, and it works back to be an income of around about 89,000, and then you've said around $4 of overtime. So that actually works back pretty well perfectly. 4 k. Yeah. They're they're really doing the right thing. Most people are waiting until they're forced to do it, but these guys have done it pretty well straight away. And it's really helpful for super because, basically, what it means is have you ever heard of dollar cost averaging before? Yeah. It's like invested earlier and invested for longer. And the flip side to it, which is really handy, is in the current situation when the stock market's going up and down like a yo yo because there's a war and a oil crisis and interest rates going crazy, if the market dips and you've got all these contributions coming in weekly, you get to buy up all these shares, property, gold for a cheaper price straight away, and you're not missing a buying opportunity. Yeah. Exactly right. So that just means that you don't miss out as many buying opportunities. Smooths your returns out, which is really good. So that's looking pretty cool. Now I'm just having a look sort of goals wise. Mainly, everything we had noted down was just paying off the mortgage. You've done some renovations. What's kind of on the cards for you guys the next few months? Congrats. Is that number three? Okay. Three weeks old. Oh, yeah. Yep. Keep tracking along. That's awesome, dude. Absolutely. Absolutely. Is yours a bit of a fuel guzzler? Yeah. That's awesome, dude. I've got I've got two boys, myself, and a girl on the way in July. How have the the older siblings been with the newborn? Yep. And how old are the other two? Four and two. Wow. You got the the gap perfect, mate. Awesome. So did you say two sons and a daughter? Perfect. Oh, boy. Amazing. Amazing. Amazing. And so Roxanne's okay after the C section, just recovering normally, nothing too crazy? Amazing. Amazing. I'm checking a few other things here. We were still aiming towards, like, a age 67 retirement. Obviously, earlier would be nice too. Nothing too crazy on the cards. Your estate planning is looking alright too. I think you've got Roxy is listed as your beneficiary for the super, so that's all good to go. It's on lapping, so it doesn't expire. I'm gonna double check that it's on the life insurance just in case, but that should be sweet. You do also have so with your income protection, you've got a thirty day waiting period. So if you're out of work for more than a month, it kicks in, and they cover you monthly for up to five years. So if I work back, you're covered for 5,683 a month. And if I work that back at 70% actually, when did you get that policy? 2017. Amazing. Yeah. Because what happened in 2021 is that the government actually restricted income protection to a maximum of 70% of your income. Your policy is before that, so it's 75 which gives you that little bit of a buffer that you can always be kind of that extra little bit covered, and that can pay a little bit extra. So if I work back your current cover amount at 75%, it's covering an income of about $91, which is kind of perfect. Gives you that extra, you know, 600 a month because 70% for most people just get some buy on expenses. It means you might have an extra couple of dollars in the pocket. Yep. I'll keep an eye on the premiums because, obviously, 3 and a half grand coming out of the super in total, 15% rebate off of that, it increases with your age. So in your thirties, it's totally cool. Once you hit your forties, it can very quickly go up to $6.07, $8.09 grands, and we need to keep on top of it. So if you smash out that mortgage over the next five years and all of a sudden premiums are jumping up, we can always reduce it if you don't have as much debt to cover and just sort of play that balancing act. You know what I mean? Yep. Exactly right. The only yeah. It's like less years to cover, less debt to cover, so don't need as much insurance. Yeah. And the more we build up your super too, that'll offset it as well. I mean, everything's an asset at the end of the day. Your trauma cover, so that's $65,100 lump sum. So if you have a heart attack, get diagnosed with, you know, stroke, cancer, something like that, it's just an instant lump sum, gives you a partner time to take a bit of time off work and look after you, medical expenses if you wanna go private, all that kind of stuff. And the good thing too is because you pay that little bit out of pocket, you've got much easier definitions of easier claims on your income protection, extras package, like, everything you could want out of it, you've got. Cool. So you okay for me to just kinda leave that alone for the time being. Next anniversary is November. Just keep an eye on it. Yep. Easy done. When it comes to the super, I was having a look at the performance. I've sent it through in that pack for you to have a look at with me. We've got I'm just bringing up your asset allocation because you're in a high growth. So you've got, say, 90% of your money in shares, property, gold. We call those growth assets. High risk, high return. Very little in the safe side of things because, obviously, whole point is to grow it. Now when you get close to retirement, you probably don't wanna be high risk at the age of 64. Market crashes, you lose half your super a year before you go to live off it. Do you know what I mean? Spot on. Spot on. So yeah? Yeah. Yeah. Yep. And because all the returns with these assets are percentage based, you've got $87 in your super now. Right? So benchmark for high growth is a consistent 10% return, and you're on track. So that for you is like $9,000. You put in a bit more than that in contributions currently. Now if you've got half a mil, now we're talking $50 up and down. In those later years, your returns kind of take off, and they do the bulk of it, but they're also the bulk risk because any movement, you're gonna see a huge swing like he did. So balancing act is build it up to that million dollars as quick as you can and then start protecting it so that as you get close to retirement, we can make it safer and safer in the lead up to it once you've got enough. Cool. And with your contributions going in weekly, like, it sounds like you you're okay to kind of ride out the waves of these or every seven years, there's something going on in the news. It repeats constantly as long as you're okay to kind of use that as a buying opportunity and not panic. Yep. There's a pandemic, a war. Always something. Always something. The main thing for us is in between now and then is we just need to make sure the investments you've got are good so that they're growing the way they should be. All in all, when I'm looking at the performance, we've pretty much cleared a like, that 10% net return after fees, premiums, taxes, everything like that. So you're pretty well still okay. Most of the options there, you've got I mean, your gold's gone out of the park. You've got a bit of gold that's gone up 30% in the last year. You've got international shares that are up double digits too. There's a couple there that have dipped a bit, your Australian shares and some Indian shares. So I'll probably keep an eye on those. And if they don't kind of pick back up at the next review, we'll probably have to maybe switch them out and try and find something a bit better like for like. Cool. With all of your, like, cash flow and everything, are you setting aside, like, a certain amount of savings into offset for the mortgage, extra repayments? Like, what's going on cash flow wise for you guys? Mortgage. Yeah. Yeah. Yeah. Yeah. All your stamp duties and your agents fees and yep. Perfect. That worked out well. Mhmm. Okay. Yep. Yep. Gotcha. Beautiful. Do you have a bit of an estimate on, like, how much you're able to get in there, like, net if you had to scroll away some savings for anything else? Yep. Perfect. When did you start that? I can kind of do a bit of a calculation there. Yeah. You're done. So I can just go 55 $107, and we'll work that back. And think we had you saving around about 200 a week, and I'm working out maybe $2.40. So that that sound alright? Perfect. Now given that that's the priority at the moment, do you want me to look at salary sacrifice extra into super for the tax deductions or just keep focusing on the mortgage at the moment? Yeah. You're starting to catch up there in terms of average for your age, and you're starting to kind of go above the average now. So the longer you stay in that high growth and earn a decent amount, that will start going quicker and quicker. So it can be something for your forties and fifties. At some point, $50 a week is amazing. But, again, you you don't wanna lock away all the cash flow till you're 60 if you wanna be doing mortgage off, holidays, kids, all that kind of thing. You've gotta have that emergency funds. Fantastic. And are you guys ever do you ever consider jumping into some investing at some point in your life, or you just want to be debt free, look after, like you know, do you want to build up assets for the kids? Or Do you know how much the value is at at the moment just so I can note it down for your file? Thank you, sir. Okay. But battery, tech, and lithium, like, the last year or so, I'm pretty sure those that's going up massively with all the electric vehicles and everything. Yeah. Yeah. Just whatever it's valued at as of, I guess, today. Yeah. Yeah. Market value is pretty much all I need. Well done. So from what I'm seeing, I think those ones have doubled in the last twelve months. There there you go. Not bad. Not bad at all. Well, if there's anything to buy a year ago, that would have been one of the top five picks. So Oh, yeah? Fantastic. I haven't found it. Just yeah. Still looking. Yeah. Very close to it. Yep. Yep. Yeah. It does. It does. It does. Yeah. That's definitely something that we we kind of specialize in. Do you know how much is kind of split between each of the accounts at the moment? Would it be a few $100 each? Or congratulations. Then he goes three weeks. Yeah. So I'm gonna give you two options here. I don't want you to dive into it today. I want you to kind of mull it over until our next chat, and we can sort of investigate it very, very specifically towards the end of the year as well. So let's say you've got Hub twenty four Super. I'll use that as an example. You can open an investment account with Hub twenty four, sits alongside your login, and you can invest it into anything they've got on menu, whether that's term deposits, safe stuff, shares, property, golds. They've got all the 1,300 options there for you. So you can go low risk, medium, high, whatever your whatever the goal is. So let's say you put it in that account, the same $30 a week or whatever it is, that can be built up and invested a little bit quicker than what the bank does. But the flip side is for hub twenty four specifically, they're usually good if you've got, like, $50 or above because of fees. Whereas that ETF that you bought for ACDC, once you've paid that brokerage, there's barely any fees to hold that. So you buy an ETF direct through your Comsec account, NAB trade, whatever you're using. You pay a small brokerage. The fees ongoing fast, like, what, 0.1%, 0.2. Whereas Hub could charge you, like, a 180, $360 flat fee a year to hold that whole platform. It's like the fanciest platform you can get is the Ferrari. So until it's a bigger balance, I wouldn't use those guys for that. But it is a way of investing and picking and choosing anything and getting a bit more than the bank interest. Reason why I wouldn't do it today, not just the fees, is because the bank interest is decent. Like, I know $7 a month isn't much, but a guaranteed five or 6% as opposed to a high risk eight or 9% given the market. The opportunity cost isn't looking too good at the moment compared to when interest rates were zero, and you could still get 10% in the market. Does that make sense? Yep. The other thing I wanna look at down the line is they've got things called child builder bonds. What it is is you can pick investments in there too, but it's a it's a tax paid investment. So let's say you put that $30 a week into it. You can start with $5. You can start with a low amount. Once you've held it for 10, it becomes, I guess, tax paid, tax free. So in the 18, you can hand these funds across to them, and they're not gonna cop a big capital gains tax out of them. So you kind of pay for the tax for the first ten years. If you hold it for eighteen, you're really sweet when you hand it over to them for a house deposit or whatever it is. Yeah. So two different options there. Let you do your $30 a week for the time being. But next time I speak to you, I'll kind of crunch some numbers. We'll have a look at it. And if we wanna jump into that, we can. Right now, all that's gonna happen if I did it for you today, you get charged some fees to go in. Stock market starts plummeting because the war is going on, and that few grand starts going down. It's just not the right time. Split it up. Yeah. Free accounts is fine. It's just about, like, fees. If you're paying fees for the accounts, just be careful there. If it's those low fee savers. Yep. Perfect. The same one that I use as well. Amazing. So let you do that. Once we've got a bit more certainty on what's going on in the world, I'll show you a few different Matt, I would love to dive into that with you. That's brilliant. Yeah. Correct. So if we do no. No. So when it comes to, like, those bonds, for example, with the lower amounts, we set it up and I'll incorporate it in the annual reviews, And we don't really even charge anything ongoing to look after that. If we do the big, you know, $50 in hub trying to build it up to 500, we do charge to manage it like we do for the super. But either one, we're not just gonna set it and forget it. Cool. No. Great question. That's awesome. I'll put it down on the file as a future goal. Alright. So that's my favorite. And, yeah, anytime that something like that pops up, give us a buzz. I've already made a note so next time I talk to you, we can go over a similar deal. And, yeah, mate, we we basically specialize in trying to get people into different life stages. You start simple, get your budgeting, get your house, get your super, and then we start going, hey. Let's invest for the kids. Let's do some of this. Eventually, once you've got assets, what's your estate plan? Let's get some trust involved. Borrow if you need to. All these things come into play over the years as long as you're able to step through that alongside us. Yeah. That's awesome. I've got it noted down. We got the ETFs there. We've got the bank accounts for the kids, the land, the home, the car, the savings. So you're doing everything right and really good to see. Super's tracking along nicely. The insurance is good to go as long as you're okay for that premium on the twenty seventh. Cool. The last thing I was looking at, just estate planning wise, it's probably obviously not the most impressing thing right today, but just getting a will in place, power of attorney, will, that kind of stuff. It's our our yearly reminder, but I guess the the information that I like to pass on to people is is kind of three easy ways to do it. You can call up a local solicitor and put in place a basic will and a power of attorney. The public trustee of every state, you know, like the courthouse, they also do appointments, wills, powers of attorney as well. And if you're that way inclined, you can even get a $25 will kit from the post office. When when it's just mortgage, lands, that kind of thing, it's pretty easy to do. Now that you're starting to branch out, you might wanna be a bit careful with it because if you've got shares, bank accounts that you wanna go different ways, you can get a bit more specific on it. So you just gotta be the more you build these different things up, the more careful and complex it gets. But the basic ones are easy to do, and then you can just update them every couple of years if you need to once you get everything else running. No. And one of the main things that I find, like, really important for our age is, like, when it comes to a power of attorney, right, if you're in hospital and you can't act on your own behalf, if you've got bank accounts in your name and your partner has to go to the courts and sue for probate to try and get access to the bank accounts to pay the mortgage, that's a pain. Who can talk to the doctors on your behalf? You can't do anything so that you you know, trying to call the bank up. Hey. Look. You've got all this money sitting there. We're trying to pay the mortgage. They go, yeah. No. Where's your court order? Blah blah blah blah blah. It just makes things easier on them. Oh, Joey. Awesome, mate. No. That's really good to hear. Mate, that's pretty much everything I had for the review so far. Everything is just going really well. Most people are in a bit of a world of hurt at the moment, so I'm glad to see that you're in a positive space. Yeah. Yeah. Yep. Easy done. So what I might do if it's, yeah, go for it. Does that mean that you're technically trade qualified currently? Gotcha. Yep. Yeah. Exactly right. Like, bucket companies and trusts and all kinds of stuff. A little bit. A little bit. So we we go through all of the strategies with everybody, and we can kind of step you through it. But, obviously, when you go into all this stuff, you need a good account. So what tends to happen is when you first start off on your own, you get your ABN, your subcontract, you go and get the first invoices, and so on. You pretty well spend that first possibly three to five years just building up your your cash flow, getting used to being GST registered, doing your BAS statement, all that kind of stuff. Pretty much. Pretty much. So that's how you start it. And then eventually, once things go smooth and you used to have a taxes work and you do your tax returns and all that kind of thing, you then start going, okay. Well, I need to start paying myself some super. So you either do some contributions in and claim them manually, which we help with, or you pay yourself wages from your company and super on top like your current employer does. Once you've got that once you've got that, then you start branching into a k building company, trust, and then income splitting between spouse, children when they're a bit older. So think of it as like a 15 year plan. Yeah. Yeah. It's all about, like I keep saying, stepping through those different stages. That first bit as a sole trader takes some getting used to and, like you said, getting some some stability on the cash flow side of things. And then you start going a bit more into structures, entities, and all that kind of thing. And it's really, really good if your wife starts getting involved in the business, the children get old enough, all that kind of thing. So, again, think of it as like, what, you're mid thirties now. You may, over the next few years, go out on your own, and then you're building it up through your forties. You start branching out into these things, late forties, really successful in your fifties. Everyone's involved. You've got assets. You've got all these kinds of things. It is really a whole life plan, and we just do it one one year at a time. Or you just keep working forever. Yeah. Get the fuel card. Yep. Or try it yourself. Yeah. And look, trade is a still demand everywhere. And before this happened, materials were expensive, and every trading I know and every trade has been booked out like crazy. So, like, the opportunity in Australia is always there. But is it the right time now if you can cool the jets for twelve months and see how things blow over? Might be the right time next year. Yep. Yeah. And then you've got to try and get through some temptations because the moment these guys go self employed and they start earning a couple $100, everybody's like, I'm gonna get a tax deduction for buying another ute, and everyone's got the Forester and the and the this and the that, and they're buying a $60,000 car every couple of years, and the accountant's telling them to calm down. And but it's just, again, working through those things until you know you're stable, you're mature about it, and you're you've got your plan, your direction. So, yes, we help with all of that. We need a good accountant alongside you when you go to do that because we can't do the entity setups, the tax returns, and that type of advice and planning. Yeah. Yep. So we work in tandem together when the time is right. Fantastic. Fantastic. The last thing I was gonna let you know is you've already signed the service agreement with us. So you're up for review around about all this time. I'm thinking all I'm gonna do is I'm gonna set for, like, maybe a three month catch up for you, and we can talk through the investing side of things, see how everything's going with the markets. Once you get a renewal notice for your insurances around October, we can keep an eye on the prices and kinda go from there if that's alright. Like, the only thing that I've sent you in that pack to sign, if you're comfortable, we're we're pretty careful with tax file numbers these days after all the cybersecurity issues last year in in the country, you know, all the Optus leaking data and all this kind of thing. So we've got basically tax file number opt in forms. So instead of holding your tax file number on a bunch of digital systems, it's just one form. And if you're okay to consent to that, we'd rather just have it there than everywhere else, but we want your consent because it's your most important number. Yeah. And it should say option to provide tax file number. Number's already in there. It's just got signature name and date in there, and that's the only thing to sign in this pack. Everything else is just for you to keep for your super your insurances. Lovely. Did it let you change it? Because this is a system that we've gotten kind of built for us. So when it comes to us, we're fine for that. That type of signature is fine. Gotcha. Or you can draw. Yeah. Upload a file or something. Yeah. Yeah. Auto is fine for us. It's just when we're sending things through to a super fund or an insurer, generally, you need to draw it on there. Otherwise, they might not accept it. So for us, that's totally fine. Yeah. No. That one's totally fine. Beautiful. Right? Alright. It should also pop up then to download the signed copy for yourself. And that email itself, all of that review pack is basically PDF attachments just like a normal email. Perfect. Alright. And that's come through perfect back to us. And done. Alright. Any other questions for me before I let you go? Mate, I always look out now for you at least. And, look, I'm glad you took the call today because the the insurance has got sorted. Everything's looking good. We've got a plan, and I can book you in for a few months' time for the next steps, and I'm looking forward to it. Awesome. Have a fantastic day. Anything else? Give us a buzz. Cheers, Grant. 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day, Grant. It's Tommy here, senior adviser from Oakview Financial, mate. How are you doing? I'm doing fantastic. Mate, I was just giving you a call because we were trying to organize a bit of an annual review with you, and you did mention that you might have a bit of time yesterday and today.\n\nI did have a a slot open up for the next hour or so if you if you still had a bit of time for me potentially. Awesome. Fantastic. So what I've got coming through to you is I'm gonna email through, like, an annual review pack with all of your, like, your performance, updated services guides, certificate of currency for your insurances to your Yahoo email. Is that still your current email, mate?\n\nPerfect. If you do have a bit of time for me, I just need to go through a quick security check if that's okay. Beautiful. So I'm registered with ASIC as Adviser 1273105. Could you please confirm your date of birth and address?\n\nFantastic. Really appreciate that. I'm gonna shoot this pack through to you now just so you've got it on record. Do you have access to look onto your emails with me today, or do you want me to just kinda walk through what's in the pack? Yeah.\n\nNo. That's fine. It's more just to go through that performance and insurances together just so you can sort of see what I'm seeing. But whatever's easier for you, mate. I I'm happy to sort of switch it around.\n\nI can hear you loud and clear. Am I coming through okay? Awesome. So I'm popping that through now. Because we've switched to a new system, it's coming through from our new CRM, which is called Odoo.\n\nIt may come through to your spam box or your main inbox. It usually is pretty well instant. I have had a couple of people where it took a few minutes, so just let me know if that comes through. Okay? Awesome.\n\nAwesome. Awesome. And are you okay for the call to be recorded? Fantastic. And how have you been, mate?\n\nCan't complain. Well, it's on fire, and everything's going steady for you. Good to hear. Good to hear. Just makes life a bit more interesting.\n\nWhat's life without a bit of drama? Absolutely, Grant. Is there anything in particular that you were sort of hoping to get out of this year's review just so I can kind of tailor things a bit? Yes. That's what I wanted to talk to you about today.\n\nYeah. You're kind of left in the dark a little bit, and it's been a bit all over the shop. Yeah. Now I'm glad that you mentioned it because that's why I was hoping to catch you today because we called them up today. I like to do a bit of a a deep dive I do a review just to make sure I can see everything as an adviser.\n\nAnd I have confirmed it's all enforced. All the policies are still there. You're still insured, protected, all that kind of thing. What ended up happening so they had a the whole Clearview company, they're, like, top three biggest insurer in Australia. They had a a systems error around Christmas time, and no payments came in from anybody.\n\nSo what happens, they cleared that up over Christmas, and the rollover came through from the super for, like, your life insurance, disability, income protection. But what you've recently received was for your trauma cover. That's like your heart attack, stroke, and cancer, and your your income protection definition, which you've got out of pocket. They've got a premium set to come out on the April 27. So what's happened, because of all the issues that happened in in November, December, they haven't taken out that monthly I think it's 45 a month that they were taking out.\n\nThey didn't take it out in December, January, February, and March. And that's what they've sent you, that they're gonna try and debit that on the '20 April 7. They did I spoke to them just before, and my team called them up. They did waive a month's premiums for the error because they wanted to sort of apologize to every single client that they have, but that is set to come out on the twenty seventh. Yeah.\n\nNo. That's perfect. You explained it perfectly well. 5 20 5. I'm gonna go on to the online letters from Clearview and see if I can find it.\n\nIt should be they've told us today 25360. If it's $5.25, I'm gonna find out straight away. That may have been for the other cover through the super. Oh, yeah. Because five twenty five.\n\nYeah. Yep. And maybe it's because there's the two policies. So there would be a couple of things. Right?\n\nThe anniversary was in November. So they tell you, here's your updated policy for a year, which may have said that 05/25, and then you've got the debit that they're trying to catch up on. So I'll try and double check all of that for you after this call, and I'll send you a bit of a text as well because I wanna make sure nothing happens out of the blue without you knowing about it. Let me just have a look here. Yeah.\n\nPremium came out of the super okay. I'm thinking that's the anniversary premium, so I'm just gonna message my team quickly. Can you please check anniversary notice and total yearly premium for 2026. Awesome. I will figure that out for you and let you know.\n\nJust to kind of review that cover a little bit because you've got pretty well, like, a full suite. Like, everything is protected. You've got life insurance, that's 758,000 worth of cover. It's, like, $7.92 a year. Not too bad.\n\nAs far as what that covers, so, obviously, your your mortgage is cleared because last time, I think, we had it about $2.60. Has that gone down a lot? Yeah. Yeah. Yep.\n\nSo we'll call it in the middle there about $3.90 owing. So what that basically means is that let's say you can never work again. You're in a car accident. You're you're knocked out for life. That clears your mortgage, leaves you with about $3.53 60, and then your super on top, which is getting closer to the $100 market sitting at $87.00 5 6.\n\nSo call it a little over $400 plus the mortgage paid off. That's kind of the situation you're looking at. Do you need me to look at increasing that to cover the extra debt, or are you happy with that amount? Yep. The way I kinda work it out, and it's like a just a little bit of a work back, is let's say you've got, like, that $3.90 there.\n\nIt equates to I think we had your income at about $80. Has that gone up? Yep. So I reckon taking into account tax, you're probably looking at, like, mortgage cleared and five years worth of expenses covered plus your income protection on top. That sound alright?\n\nPerfect. What about house value? Is that skyrocketed along with everybody else's? 93. Yep.\n\nLast financial year. And is that a lot of, like, overtime on top, or is that just kind of hourly base rate full time? Okay. So would that work out then saying, like, our base income of about $80 total income about 90 per year with just a little bit of extra, or is that would you say that's inaccurate? Mhmm.\n\nOkay. Yeah. Right. So it's more close to, like, 86 or something like that. And what I might do too is you're you're still working for Paul Bills Plumbing and Gas.\n\nI can see that's still coming through. Your contributions are basically the same every single time, which is really helpful because that basically tells me is this fortnightly we've got, oh, jeez, they're a little bit a little bit all over the shop. Let me just check this. $206.47 comes in. I'm gonna get her let's go fortnightly for a second.\n\nProvide that back. No. That's not right. We'll do weekly. Yeah.\n\nThere we go. So if I work that back as a weekly, which is really good because they've made those changes where the employees have to pay them in line with your pay cycle into your super. So previously, quarterly, you'd have to wait three months for the super to come in. These guys are paying you basically every week, and it works back to be an income of around about 89,000, and then you've said around $4 of overtime. So that actually works back pretty well perfectly.\n\n4 k. Yeah. They're they're really doing the right thing. Most people are waiting until they're forced to do it, but these guys have done it pretty well straight away. And it's really helpful for super because, basically, what it means is have you ever heard of dollar cost averaging before?\n\nYeah. It's like invested earlier and invested for longer. And the flip side to it, which is really handy, is in the current situation when the stock market's going up and down like a yo yo because there's a war and a oil crisis and interest rates going crazy, if the market dips and you've got all these contributions coming in weekly, you get to buy up all these shares, property, gold for a cheaper price straight away, and you're not missing a buying opportunity. Yeah. Exactly right.\n\nSo that just means that you don't miss out as many buying opportunities. Smooths your returns out, which is really good. So that's looking pretty cool. Now I'm just having a look sort of goals wise. Mainly, everything we had noted down was just paying off the mortgage.\n\nYou've done some renovations. What's kind of on the cards for you guys the next few months? Congrats. Is that number three? Okay.\n\nThree weeks old. Oh, yeah. Yep. Keep tracking along. That's awesome, dude.\n\nAbsolutely. Absolutely. Is yours a bit of a fuel guzzler? Yeah. That's awesome, dude.\n\nI've got I've got two boys, myself, and a girl on the way in July. How have the the older siblings been with the newborn? Yep. And how old are the other two? Four and two.\n\nWow. You got the the gap perfect, mate. Awesome. So did you say two sons and a daughter? Perfect.\n\nOh, boy. Amazing. Amazing. Amazing. And so Roxanne's okay after the C section, just recovering normally, nothing too crazy?\n\nAmazing. Amazing. I'm checking a few other things here. We were still aiming towards, like, a age 67 retirement. Obviously, earlier would be nice too.\n\nNothing too crazy on the cards. Your estate planning is looking alright too. I think you've got Roxy is listed as your beneficiary for the super, so that's all good to go. It's on lapping, so it doesn't expire. I'm gonna double check that it's on the life insurance just in case, but that should be sweet.\n\nYou do also have so with your income protection, you've got a thirty day waiting period. So if you're out of work for more than a month, it kicks in, and they cover you monthly for up to five years. So if I work back, you're covered for 5,683 a month. And if I work that back at 70% actually, when did you get that policy? 2017.\n\nAmazing. Yeah. Because what happened in 2021 is that the government actually restricted income protection to a maximum of 70% of your income. Your policy is before that, so it's 75 which gives you that little bit of a buffer that you can always be kind of that extra little bit covered, and that can pay a little bit extra. So if I work back your current cover amount at 75%, it's covering an income of about $91, which is kind of perfect.\n\nGives you that extra, you know, 600 a month because 70% for most people just get some buy on expenses. It means you might have an extra couple of dollars in the pocket. Yep. I'll keep an eye on the premiums because, obviously, 3 and a half grand coming out of the super in total, 15% rebate off of that, it increases with your age. So in your thirties, it's totally cool.\n\nOnce you hit your forties, it can very quickly go up to $6.07, $8.09 grands, and we need to keep on top of it. So if you smash out that mortgage over the next five years and all of a sudden premiums are jumping up, we can always reduce it if you don't have as much debt to cover and just sort of play that balancing act. You know what I mean? Yep. Exactly right.\n\nThe only yeah. It's like less years to cover, less debt to cover, so don't need as much insurance. Yeah. And the more we build up your super too, that'll offset it as well. I mean, everything's an asset at the end of the day.\n\nYour trauma cover, so that's $65,100 lump sum. So if you have a heart attack, get diagnosed with, you know, stroke, cancer, something like that, it's just an instant lump sum, gives you a partner time to take a bit of time off work and look after you, medical expenses if you wanna go private, all that kind of stuff. And the good thing too is because you pay that little bit out of pocket, you've got much easier definitions of easier claims on your income protection, extras package, like, everything you could want out of it, you've got. Cool. So you okay for me to just kinda leave that alone for the time being.\n\nNext anniversary is November. Just keep an eye on it. Yep. Easy done. When it comes to the super, I was having a look at the performance.\n\nI've sent it through in that pack for you to have a look at with me. We've got I'm just bringing up your asset allocation because you're in a high growth. So you've got, say, 90% of your money in shares, property, gold. We call those growth assets. High risk, high return.\n\nVery little in the safe side of things because, obviously, whole point is to grow it. Now when you get close to retirement, you probably don't wanna be high risk at the age of 64. Market crashes, you lose half your super a year before you go to live off it. Do you know what I mean? Spot on.\n\nSpot on. So yeah? Yeah. Yeah. Yep.\n\nAnd because all the returns with these assets are percentage based, you've got $87 in your super now. Right? So benchmark for high growth is a consistent 10% return, and you're on track. So that for you is like $9,000. You put in a bit more than that in contributions currently.\n\nNow if you've got half a mil, now we're talking $50 up and down. In those later years, your returns kind of take off, and they do the bulk of it, but they're also the bulk risk because any movement, you're gonna see a huge swing like he did. So balancing act is build it up to that million dollars as quick as you can and then start protecting it so that as you get close to retirement, we can make it safer and safer in the lead up to it once you've got enough. Cool. And with your contributions going in weekly, like, it sounds like you you're okay to kind of ride out the waves of these or every seven years, there's something going on in the news.\n\nIt repeats constantly as long as you're okay to kind of use that as a buying opportunity and not panic. Yep. There's a pandemic, a war. Always something. Always something.\n\nThe main thing for us is in between now and then is we just need to make sure the investments you've got are good so that they're growing the way they should be. All in all, when I'm looking at the performance, we've pretty much cleared a like, that 10% net return after fees, premiums, taxes, everything like that. So you're pretty well still okay. Most of the options there, you've got I mean, your gold's gone out of the park. You've got a bit of gold that's gone up 30% in the last year.\n\nYou've got international shares that are up double digits too. There's a couple there that have dipped a bit, your Australian shares and some Indian shares. So I'll probably keep an eye on those. And if they don't kind of pick back up at the next review, we'll probably have to maybe switch them out and try and find something a bit better like for like. Cool.\n\nWith all of your, like, cash flow and everything, are you setting aside, like, a certain amount of savings into offset for the mortgage, extra repayments? Like, what's going on cash flow wise for you guys? Mortgage. Yeah. Yeah.\n\nYeah. Yeah. All your stamp duties and your agents fees and yep. Perfect. That worked out well.\n\nMhmm. Okay. Yep. Yep. Gotcha.\n\nBeautiful. Do you have a bit of an estimate on, like, how much you're able to get in there, like, net if you had to scroll away some savings for anything else? Yep. Perfect. When did you start that?\n\nI can kind of do a bit of a calculation there. Yeah. You're done. So I can just go 55 $107, and we'll work that back. And think we had you saving around about 200 a week, and I'm working out maybe $2.40.\n\nSo that that sound alright? Perfect. Now given that that's the priority at the moment, do you want me to look at salary sacrifice extra into super for the tax deductions or just keep focusing on the mortgage at the moment? Yeah. You're starting to catch up there in terms of average for your age, and you're starting to kind of go above the average now.\n\nSo the longer you stay in that high growth and earn a decent amount, that will start going quicker and quicker. So it can be something for your forties and fifties. At some point, $50 a week is amazing. But, again, you you don't wanna lock away all the cash flow till you're 60 if you wanna be doing mortgage off, holidays, kids, all that kind of thing. You've gotta have that emergency funds.\n\nFantastic. And are you guys ever do you ever consider jumping into some investing at some point in your life, or you just want to be debt free, look after, like you know, do you want to build up assets for the kids? Or Do you know how much the value is at at the moment just so I can note it down for your file? Thank you, sir. Okay.\n\nBut battery, tech, and lithium, like, the last year or so, I'm pretty sure those that's going up massively with all the electric vehicles and everything. Yeah. Yeah. Just whatever it's valued at as of, I guess, today. Yeah.\n\nYeah. Market value is pretty much all I need. Well done. So from what I'm seeing, I think those ones have doubled in the last twelve months. There there you go.\n\nNot bad. Not bad at all. Well, if there's anything to buy a year ago, that would have been one of the top five picks. So Oh, yeah? Fantastic.\n\nI haven't found it. Just yeah. Still looking. Yeah. Very close to it.\n\nYep. Yep. Yeah. It does. It does.\n\nIt does. Yeah. That's definitely something that we we kind of specialize in. Do you know how much is kind of split between each of the accounts at the moment? Would it be a few $100 each?\n\nOr congratulations. Then he goes three weeks. Yeah. So I'm gonna give you two options here. I don't want you to dive into it today.\n\nI want you to kind of mull it over until our next chat, and we can sort of investigate it very, very specifically towards the end of the year as well. So let's say you've got Hub twenty four Super. I'll use that as an example. You can open an investment account with Hub twenty four, sits alongside your login, and you can invest it into anything they've got on menu, whether that's term deposits, safe stuff, shares, property, golds. They've got all the 1,300 options there for you.\n\nSo you can go low risk, medium, high, whatever your whatever the goal is. So let's say you put it in that account, the same $30 a week or whatever it is, that can be built up and invested a little bit quicker than what the bank does. But the flip side is for hub twenty four specifically, they're usually good if you've got, like, $50 or above because of fees. Whereas that ETF that you bought for ACDC, once you've paid that brokerage, there's barely any fees to hold that. So you buy an ETF direct through your Comsec account, NAB trade, whatever you're using.\n\nYou pay a small brokerage. The fees ongoing fast, like, what, 0.1%, 0.2. Whereas Hub could charge you, like, a 180, $360 flat fee a year to hold that whole platform. It's like the fanciest platform you can get is the Ferrari. So until it's a bigger balance, I wouldn't use those guys for that.\n\nBut it is a way of investing and picking and choosing anything and getting a bit more than the bank interest. Reason why I wouldn't do it today, not just the fees, is because the bank interest is decent. Like, I know $7 a month isn't much, but a guaranteed five or 6% as opposed to a high risk eight or 9% given the market. The opportunity cost isn't looking too good at the moment compared to when interest rates were zero, and you could still get 10% in the market. Does that make sense?\n\nYep. The other thing I wanna look at down the line is they've got things called child builder bonds. What it is is you can pick investments in there too, but it's a it's a tax paid investment. So let's say you put that $30 a week into it. You can start with $5.\n\nYou can start with a low amount. Once you've held it for 10, it becomes, I guess, tax paid, tax free. So in the 18, you can hand these funds across to them, and they're not gonna cop a big capital gains tax out of them. So you kind of pay for the tax for the first ten years. If you hold it for eighteen, you're really sweet when you hand it over to them for a house deposit or whatever it is.\n\nYeah. So two different options there. Let you do your $30 a week for the time being. But next time I speak to you, I'll kind of crunch some numbers. We'll have a look at it.\n\nAnd if we wanna jump into that, we can. Right now, all that's gonna happen if I did it for you today, you get charged some fees to go in. Stock market starts plummeting because the war is going on, and that few grand starts going down. It's just not the right time. Split it up.\n\nYeah. Free accounts is fine. It's just about, like, fees. If you're paying fees for the accounts, just be careful there. If it's those low fee savers.\n\nYep. Perfect. The same one that I use as well. Amazing. So let you do that.\n\nOnce we've got a bit more certainty on what's going on in the world, I'll show you a few different Matt, I would love to dive into that with you. That's brilliant. Yeah. Correct. So if we do no.\n\nNo. So when it comes to, like, those bonds, for example, with the lower amounts, we set it up and I'll incorporate it in the annual reviews, And we don't really even charge anything ongoing to look after that. If we do the big, you know, $50 in hub trying to build it up to 500, we do charge to manage it like we do for the super. But either one, we're not just gonna set it and forget it. Cool.\n\nNo. Great question. That's awesome. I'll put it down on the file as a future goal. Alright.\n\nSo that's my favorite. And, yeah, anytime that something like that pops up, give us a buzz. I've already made a note so next time I talk to you, we can go over a similar deal. And, yeah, mate, we we basically specialize in trying to get people into different life stages. You start simple, get your budgeting, get your house, get your super, and then we start going, hey.\n\nLet's invest for the kids. Let's do some of this. Eventually, once you've got assets, what's your estate plan? Let's get some trust involved. Borrow if you need to.\n\nAll these things come into play over the years as long as you're able to step through that alongside us. Yeah. That's awesome. I've got it noted down. We got the ETFs there.\n\nWe've got the bank accounts for the kids, the land, the home, the car, the savings. So you're doing everything right and really good to see. Super's tracking along nicely. The insurance is good to go as long as you're okay for that premium on the twenty seventh. Cool.\n\nThe last thing I was looking at, just estate planning wise, it's probably obviously not the most impressing thing right today, but just getting a will in place, power of attorney, will, that kind of stuff. It's our our yearly reminder, but I guess the the information that I like to pass on to people is is kind of three easy ways to do it. You can call up a local solicitor and put in place a basic will and a power of attorney. The public trustee of every state, you know, like the courthouse, they also do appointments, wills, powers of attorney as well. And if you're that way inclined, you can even get a $25 will kit from the post office.\n\nWhen when it's just mortgage, lands, that kind of thing, it's pretty easy to do. Now that you're starting to branch out, you might wanna be a bit careful with it because if you've got shares, bank accounts that you wanna go different ways, you can get a bit more specific on it. So you just gotta be the more you build these different things up, the more careful and complex it gets. But the basic ones are easy to do, and then you can just update them every couple of years if you need to once you get everything else running. No.\n\nAnd one of the main things that I find, like, really important for our age is, like, when it comes to a power of attorney, right, if you're in hospital and you can't act on your own behalf, if you've got bank accounts in your name and your partner has to go to the courts and sue for probate to try and get access to the bank accounts to pay the mortgage, that's a pain. Who can talk to the doctors on your behalf? You can't do anything so that you you know, trying to call the bank up. Hey. Look.\n\nYou've got all this money sitting there. We're trying to pay the mortgage. They go, yeah. No. Where's your court order?\n\nBlah blah blah blah blah. It just makes things easier on them. Oh, Joey. Awesome, mate. No.\n\nThat's really good to hear. Mate, that's pretty much everything I had for the review so far. Everything is just going really well. Most people are in a bit of a world of hurt at the moment, so I'm glad to see that you're in a positive space. Yeah.\n\nYeah. Yep. Easy done. So what I might do if it's, yeah, go for it. Does that mean that you're technically trade qualified currently?\n\nGotcha. Yep. Yeah. Exactly right. Like, bucket companies and trusts and all kinds of stuff.\n\nA little bit. A little bit. So we we go through all of the strategies with everybody, and we can kind of step you through it. But, obviously, when you go into all this stuff, you need a good account. So what tends to happen is when you first start off on your own, you get your ABN, your subcontract, you go and get the first invoices, and so on.\n\nYou pretty well spend that first possibly three to five years just building up your your cash flow, getting used to being GST registered, doing your BAS statement, all that kind of stuff. Pretty much. Pretty much. So that's how you start it. And then eventually, once things go smooth and you used to have a taxes work and you do your tax returns and all that kind of thing, you then start going, okay.\n\nWell, I need to start paying myself some super. So you either do some contributions in and claim them manually, which we help with, or you pay yourself wages from your company and super on top like your current employer does. Once you've got that once you've got that, then you start branching into a k building company, trust, and then income splitting between spouse, children when they're a bit older. So think of it as like a 15 year plan. Yeah.\n\nYeah. It's all about, like I keep saying, stepping through those different stages. That first bit as a sole trader takes some getting used to and, like you said, getting some some stability on the cash flow side of things. And then you start going a bit more into structures, entities, and all that kind of thing. And it's really, really good if your wife starts getting involved in the business, the children get old enough, all that kind of thing.\n\nSo, again, think of it as like, what, you're mid thirties now. You may, over the next few years, go out on your own, and then you're building it up through your forties. You start branching out into these things, late forties, really successful in your fifties. Everyone's involved. You've got assets.\n\nYou've got all these kinds of things. It is really a whole life plan, and we just do it one one year at a time. Or you just keep working forever. Yeah. Get the fuel card.\n\nYep. Or try it yourself. Yeah. And look, trade is a still demand everywhere. And before this happened, materials were expensive, and every trading I know and every trade has been booked out like crazy.\n\nSo, like, the opportunity in Australia is always there. But is it the right time now if you can cool the jets for twelve months and see how things blow over? Might be the right time next year. Yep. Yeah.\n\nAnd then you've got to try and get through some temptations because the moment these guys go self employed and they start earning a couple $100, everybody's like, I'm gonna get a tax deduction for buying another ute, and everyone's got the Forester and the and the this and the that, and they're buying a $60,000 car every couple of years, and the accountant's telling them to calm down. And but it's just, again, working through those things until you know you're stable, you're mature about it, and you're you've got your plan, your direction. So, yes, we help with all of that. We need a good accountant alongside you when you go to do that because we can't do the entity setups, the tax returns, and that type of advice and planning. Yeah.\n\nYep. So we work in tandem together when the time is right. Fantastic. Fantastic. The last thing I was gonna let you know is you've already signed the service agreement with us.\n\nSo you're up for review around about all this time. I'm thinking all I'm gonna do is I'm gonna set for, like, maybe a three month catch up for you, and we can talk through the investing side of things, see how everything's going with the markets. Once you get a renewal notice for your insurances around October, we can keep an eye on the prices and kinda go from there if that's alright. Like, the only thing that I've sent you in that pack to sign, if you're comfortable, we're we're pretty careful with tax file numbers these days after all the cybersecurity issues last year in in the country, you know, all the Optus leaking data and all this kind of thing. So we've got basically tax file number opt in forms.\n\nSo instead of holding your tax file number on a bunch of digital systems, it's just one form. And if you're okay to consent to that, we'd rather just have it there than everywhere else, but we want your consent because it's your most important number. Yeah. And it should say option to provide tax file number. Number's already in there.\n\nIt's just got signature name and date in there, and that's the only thing to sign in this pack. Everything else is just for you to keep for your super your insurances. Lovely. Did it let you change it? Because this is a system that we've gotten kind of built for us.\n\nSo when it comes to us, we're fine for that. That type of signature is fine. Gotcha. Or you can draw. Yeah.\n\nUpload a file or something. Yeah. Yeah. Auto is fine for us. It's just when we're sending things through to a super fund or an insurer, generally, you need to draw it on there.\n\nOtherwise, they might not accept it. So for us, that's totally fine. Yeah. No. That one's totally fine.\n\nBeautiful. Right? Alright. It should also pop up then to download the signed copy for yourself. And that email itself, all of that review pack is basically PDF attachments just like a normal email.\n\nPerfect. Alright. And that's come through perfect back to us. And done. Alright.\n\nAny other questions for me before I let you go? Mate, I always look out now for you at least. And, look, I'm glad you took the call today because the the insurance has got sorted. Everything's looking good. We've got a plan, and I can book you in for a few months' time for the next steps, and I'm looking forward to it.\n\nAwesome. Have a fantastic day. Anything else? Give us a buzz. Cheers, Grant.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good day, Grant.","start":1.8399999,"end":2.56,"sentiment":"positive","sentiment_score":0.3387149969736735},{"text":"It's Tommy here, senior adviser from Oakview Financial, mate.","start":2.56,"end":5.52,"sentiment":"neutral","sentiment_score":0.1855807105700175},{"text":"How are you doing?","start":5.52,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.21092915534973145},{"text":"I'm doing fantastic.","start":7.68,"end":8.98,"sentiment":"positive","sentiment_score":0.7342437505722046},{"text":"Mate, I was just giving you a call because we were trying to organize a bit of an annual review with you, and you did mention that you might have a bit of time yesterday and today.","start":9.76,"end":18.675,"sentiment":"neutral","sentiment_score":0.11897645487978652}],"sentiment":"neutral","sentiment_score":0.18098121588783606,"num_words":56,"start":1.8399999,"end":18.675},{"sentences":[{"text":"I did have a a slot open up for the next hour or so if you if you still had a bit of time for me potentially.","start":19.295,"end":24.915,"sentiment":"neutral","sentiment_score":0.08329923602717894},{"text":"Awesome.","start":26.91,"end":27.31,"sentiment":"positive","sentiment_score":0.6341065168380737},{"text":"Fantastic.","start":27.31,"end":27.81,"sentiment":"positive","sentiment_score":0.6273971796035767},{"text":"So what I've got coming through to you is I'm gonna email through, like, an annual review pack with all of your, like, your performance, updated services guides, certificate of currency for your insurances to your Yahoo email.","start":28.11,"end":41.33,"sentiment":"neutral","sentiment_score":0.22986434047159396},{"text":"Is that still your current email, mate?","start":41.585003,"end":43.365,"sentiment":"neutral","sentiment_score":0.05951480673892157}],"sentiment":"neutral","sentiment_score":0.17110853586849328,"num_words":74,"start":19.295,"end":43.365},{"sentences":[{"text":"Perfect.","start":44.705,"end":45.205,"sentiment":"positive","sentiment_score":0.35599446296691895},{"text":"If you do have a bit of time for me, I just need to go through a quick security check if that's okay.","start":45.985,"end":50.405,"sentiment":"neutral","sentiment_score":0.13029018497985342},{"text":"Beautiful.","start":51.745003,"end":52.245003,"sentiment":"neutral","sentiment_score":0.32984423637390137},{"text":"So I'm registered with ASIC as Adviser 1273105.","start":52.305,"end":56.72,"sentiment":"neutral","sentiment_score":0.09250584989786148},{"text":"Could you please confirm your date of birth and address?","start":56.72,"end":59.22,"sentiment":"neutral","sentiment_score":0.05537339858710766}],"sentiment":"neutral","sentiment_score":0.11572776137049808,"num_words":43,"start":44.705,"end":59.22},{"sentences":[{"text":"Fantastic.","start":66.815,"end":67.215004,"sentiment":"positive","sentiment_score":0.5342700481414795},{"text":"Really appreciate that.","start":67.215004,"end":68.415,"sentiment":"positive","sentiment_score":0.6192998687426249},{"text":"I'm gonna shoot this pack through to you now just so you've got it on record.","start":68.415,"end":72.275,"sentiment":"positive","sentiment_score":0.3658055253326893},{"text":"Do you have access to look onto your emails with me today, or do you want me to just kinda walk through what's in the pack?","start":73.135,"end":78.115,"sentiment":"neutral","sentiment_score":0.06039230912350691},{"text":"Yeah.","start":84.51,"end":84.75,"sentiment":"neutral","sentiment_score":0.01852310448884964}],"sentiment":"neutral","sentiment_score":0.20922938726366835,"num_words":47,"start":66.815,"end":84.75},{"sentences":[{"text":"No.","start":84.75,"end":84.91,"sentiment":"neutral","sentiment_score":0.009328097105026243},{"text":"That's fine.","start":84.91,"end":85.39,"sentiment":"neutral","sentiment_score":0.04167312942445278},{"text":"It's more just to go through that performance and insurances together just so you can sort of see what I'm seeing.","start":85.39,"end":90.51,"sentiment":"neutral","sentiment_score":0.06906696923431896},{"text":"But whatever's easier for you, mate.","start":90.51,"end":92.43,"sentiment":"neutral","sentiment_score":0.12826359272003174},{"text":"I I'm happy to sort of switch it around.","start":92.43,"end":94.37,"sentiment":"neutral","sentiment_score":0.1762425353129705}],"sentiment":"neutral","sentiment_score":0.09997038676952705,"num_words":39,"start":84.75,"end":94.37},{"sentences":[{"text":"I can hear you loud and clear.","start":99.475,"end":100.595,"sentiment":"neutral","sentiment_score":0.07740950052227293},{"text":"Am I coming through okay?","start":100.595,"end":101.895,"sentiment":"neutral","sentiment_score":0.04806456454098225},{"text":"Awesome.","start":103.555,"end":103.955,"sentiment":"neutral","sentiment_score":0.09348900616168976},{"text":"So I'm popping that through now.","start":103.955,"end":105.475,"sentiment":"neutral","sentiment_score":0.04917256347835064},{"text":"Because we've switched to a new system, it's coming through from our new CRM, which is called Odoo.","start":105.475,"end":111.19,"sentiment":"neutral","sentiment_score":0.05526509922411707}],"sentiment":"neutral","sentiment_score":0.05852663511964115,"num_words":37,"start":99.475,"end":111.19},{"sentences":[{"text":"It may come through to your spam box or your main inbox.","start":111.41,"end":114.55,"sentiment":"neutral","sentiment_score":0.06585894866536061},{"text":"It usually is pretty well instant.","start":114.93,"end":116.69,"sentiment":"neutral","sentiment_score":0.2707108606894811},{"text":"I have had a couple of people where it took a few minutes, so just let me know if that comes through.","start":116.69,"end":121.090004,"sentiment":"neutral","sentiment_score":0.09583610973574898},{"text":"Okay?","start":121.090004,"end":121.590004,"sentiment":"neutral","sentiment_score":0.1212920993566513},{"text":"Awesome.","start":124.335,"end":124.735,"sentiment":"positive","sentiment_score":0.5495268702507019}],"sentiment":"neutral","sentiment_score":0.12366156980750106,"num_words":42,"start":111.41,"end":124.735},{"sentences":[{"text":"Awesome.","start":124.735,"end":124.975,"sentiment":"positive","sentiment_score":0.5601765513420105},{"text":"Awesome.","start":124.975,"end":125.135,"sentiment":"positive","sentiment_score":0.5130957365036011},{"text":"And are you okay for the call to be recorded?","start":125.135,"end":127.075,"sentiment":"neutral","sentiment_score":0.16636973321437837},{"text":"Fantastic.","start":129.135,"end":129.635,"sentiment":"positive","sentiment_score":0.5347877740859985},{"text":"And how have you been, mate?","start":130.415,"end":131.955,"sentiment":"neutral","sentiment_score":0.2587933937708537}],"sentiment":"neutral","sentiment_score":0.253921987194764,"num_words":19,"start":124.735,"end":131.955},{"sentences":[{"text":"Can't complain.","start":135.63,"end":136.27,"sentiment":"neutral","sentiment_score":-0.016805320046842098},{"text":"Well, it's on fire, and everything's going steady for you.","start":136.27,"end":138.77,"sentiment":"neutral","sentiment_score":0.1735786661505699},{"text":"Good to hear.","start":140.51001,"end":141.23001,"sentiment":"neutral","sentiment_score":0.28999129931132},{"text":"Good to hear.","start":141.23001,"end":141.97,"sentiment":"neutral","sentiment_score":0.05046775937080383},{"text":"Just makes life a bit more interesting.","start":147.005,"end":148.785,"sentiment":"neutral","sentiment_score":0.040364096739462445}],"sentiment":"neutral","sentiment_score":0.12024407498538495,"num_words":25,"start":135.63,"end":148.785},{"sentences":[{"text":"What's life without a bit of drama?","start":148.925,"end":150.38501,"sentiment":"neutral","sentiment_score":-0.016207836036171232},{"text":"Absolutely, Grant.","start":153.32501,"end":154.46501,"sentiment":"neutral","sentiment_score":0.08351423963904381},{"text":"Is there anything in particular that you were sort of hoping to get out of this year's review just so I can kind of tailor things a bit?","start":154.925,"end":160.47,"sentiment":"neutral","sentiment_score":0.04188501861478601},{"text":"Yes.","start":184.325,"end":184.565,"sentiment":"neutral","sentiment_score":0.010353275574743748},{"text":"That's what I wanted to talk to you about today.","start":184.565,"end":186.345,"sentiment":"neutral","sentiment_score":0.02879377631470561}],"sentiment":"neutral","sentiment_score":0.031763441395014524,"num_words":48,"start":148.925,"end":186.345},{"sentences":[{"text":"Yeah.","start":222.76,"end":223.26,"sentiment":"neutral","sentiment_score":-0.18810778856277463},{"text":"You're kind of left in the dark a little bit, and it's been a bit all over the shop.","start":231.075,"end":235.015,"sentiment":"negative","sentiment_score":-0.3760421903509843},{"text":"Yeah.","start":251.745,"end":252.245,"sentiment":"neutral","sentiment_score":-0.017209112644195557},{"text":"Now I'm glad that you mentioned it because that's why I was hoping to catch you today because we called them up today.","start":253.985,"end":259.285,"sentiment":"positive","sentiment_score":0.5656610221966453},{"text":"I like to do a bit of a a deep dive I do a review just to make sure I can see everything as an adviser.","start":259.505,"end":264.77002,"sentiment":"neutral","sentiment_score":0.2680160609575418}],"sentiment":"neutral","sentiment_score":0.1804071796791894,"num_words":70,"start":222.76,"end":264.77002},{"sentences":[{"text":"And I have confirmed it's all enforced.","start":266.03003,"end":268.05002,"sentiment":"neutral","sentiment_score":0.24457156232425145},{"text":"All the policies are still there.","start":268.43002,"end":270.19,"sentiment":"neutral","sentiment_score":0.22973288844029108},{"text":"You're still insured, protected, all that kind of thing.","start":270.19,"end":272.61002,"sentiment":"neutral","sentiment_score":0.14182989961571163},{"text":"What ended up happening so they had a the whole Clearview company, they're, like, top three biggest insurer in Australia.","start":273.565,"end":279.425,"sentiment":"neutral","sentiment_score":0.021175493486225605},{"text":"They had a a systems error around Christmas time, and no payments came in from anybody.","start":279.805,"end":285.985,"sentiment":"neutral","sentiment_score":-0.12930115405470133}],"sentiment":"neutral","sentiment_score":0.04692342703969314,"num_words":58,"start":266.03003,"end":285.985},{"sentences":[{"text":"So what happens, they cleared that up over Christmas, and the rollover came through from the super for, like, your life insurance, disability, income protection.","start":286.31,"end":296.01,"sentiment":"neutral","sentiment_score":0.016647505089640618},{"text":"But what you've recently received was for your trauma cover.","start":297.03,"end":301.21002,"sentiment":"neutral","sentiment_score":-0.08983829990029335},{"text":"That's like your heart attack, stroke, and cancer, and your your income protection definition, which you've got out of pocket.","start":301.365,"end":308.585,"sentiment":"neutral","sentiment_score":-0.069560238532722},{"text":"They've got a premium set to come out on the April 27.","start":308.965,"end":313.305,"sentiment":"neutral","sentiment_score":0.01456020058443149},{"text":"So what's happened, because of all the issues that happened in in November, December, they haven't taken out that monthly I think it's 45 a month that they were taking out.","start":313.60498,"end":324.02002,"sentiment":"neutral","sentiment_score":-0.07970643067552198}],"sentiment":"neutral","sentiment_score":-0.042546704962697565,"num_words":98,"start":286.31,"end":324.02002},{"sentences":[{"text":"They didn't take it out in December, January, February, and March.","start":324.02002,"end":327.64,"sentiment":"neutral","sentiment_score":-0.10175654021176425},{"text":"And that's what they've sent you, that they're gonna try and debit that on the '20 April 7.","start":328.475,"end":335.215,"sentiment":"neutral","sentiment_score":-0.023188894252396293},{"text":"They did I spoke to them just before, and my team called them up.","start":335.67502,"end":339.355,"sentiment":"neutral","sentiment_score":-0.0030367120302149226},{"text":"They did waive a month's premiums for the error because they wanted to sort of apologize to every single client that they have, but that is set to come out on the twenty seventh.","start":339.355,"end":350.3,"sentiment":"neutral","sentiment_score":-0.050283959902384705},{"text":"Yeah.","start":370.79,"end":371.03,"sentiment":"neutral","sentiment_score":-0.054105304181575775}],"sentiment":"neutral","sentiment_score":-0.04285892241228467,"num_words":78,"start":324.02002,"end":371.03},{"sentences":[{"text":"No.","start":371.03,"end":371.27,"sentiment":"neutral","sentiment_score":-0.07554841041564941},{"text":"That's perfect.","start":371.27,"end":371.91,"sentiment":"neutral","sentiment_score":0.09879899397492409},{"text":"You explained it perfectly well.","start":371.91,"end":373.53,"sentiment":"neutral","sentiment_score":0.11084842085838317},{"text":"5 20 5.","start":380.005,"end":381.225,"sentiment":"neutral","sentiment_score":-0.08565300206343333},{"text":"I'm gonna go on to the online letters from Clearview and see if I can find it.","start":388.325,"end":393.69,"sentiment":"neutral","sentiment_score":0.0158177631742814}],"sentiment":"neutral","sentiment_score":0.02457980891423566,"num_words":28,"start":371.03,"end":393.69},{"sentences":[{"text":"It should be they've told us today 25360.","start":394.17,"end":397.39,"sentiment":"neutral","sentiment_score":0.018849833053536713},{"text":"If it's $5.25, I'm gonna find out straight away.","start":397.93,"end":400.99,"sentiment":"neutral","sentiment_score":-0.057474871890412435},{"text":"That may have been for the other cover through the super.","start":401.13,"end":403.79,"sentiment":"neutral","sentiment_score":-0.10169881548393857},{"text":"Oh, yeah.","start":415.54498,"end":416.10498,"sentiment":"neutral","sentiment_score":-0.028952481225132942},{"text":"Because five twenty five.","start":416.10498,"end":421.1,"sentiment":"neutral","sentiment_score":-0.020434489473700523}],"sentiment":"neutral","sentiment_score":-0.04778838450746501,"num_words":34,"start":394.17,"end":421.1},{"sentences":[{"text":"Yeah.","start":429.56,"end":429.88,"sentiment":"neutral","sentiment_score":0.09608612954616548},{"text":"Yep.","start":429.88,"end":430.38,"sentiment":"neutral","sentiment_score":0.099803626537323},{"text":"And maybe it's because there's the two policies.","start":430.625,"end":432.46503,"sentiment":"neutral","sentiment_score":0.031213413225486875},{"text":"So there would be a couple of things.","start":432.46503,"end":433.825,"sentiment":"neutral","sentiment_score":0.0316607509739697},{"text":"Right?","start":433.825,"end":434.325,"sentiment":"neutral","sentiment_score":0.0419866107404232}],"sentiment":"neutral","sentiment_score":0.03899314107471391,"num_words":19,"start":429.56,"end":434.325},{"sentences":[{"text":"The anniversary was in November.","start":434.625,"end":437.285,"sentiment":"neutral","sentiment_score":0.037443384528160095},{"text":"So they tell you, here's your updated policy for a year, which may have said that 05/25, and then you've got the debit that they're trying to catch up on.","start":437.58502,"end":446.405,"sentiment":"neutral","sentiment_score":0.02364041548765575},{"text":"So I'll try and double check all of that for you after this call, and I'll send you a bit of a text as well because I wanna make sure nothing happens out of the blue without you knowing about it.","start":446.59998,"end":456.69998,"sentiment":"neutral","sentiment_score":0.0761413970371572},{"text":"Let me just have a look here.","start":457.96,"end":459.58,"sentiment":"neutral","sentiment_score":0.07409221466098513},{"text":"Yeah.","start":460.995,"end":461.315,"sentiment":"neutral","sentiment_score":0.12404672801494598}],"sentiment":"neutral","sentiment_score":0.05548712971947333,"num_words":84,"start":434.625,"end":461.315},{"sentences":[{"text":"Premium came out of the super okay.","start":461.315,"end":463.415,"sentiment":"neutral","sentiment_score":0.2320758274623326},{"text":"I'm thinking that's the anniversary premium, so I'm just gonna message my team quickly.","start":463.95502,"end":467.89502,"sentiment":"neutral","sentiment_score":0.2273457646369934},{"text":"Can you please check anniversary notice and total yearly premium for 2026.","start":468.275,"end":477.66998,"sentiment":"neutral","sentiment_score":0.12619087472558022},{"text":"Awesome.","start":477.97,"end":478.47,"sentiment":"positive","sentiment_score":0.6735633611679077},{"text":"I will figure that out for you and let you know.","start":479.33,"end":481.43,"sentiment":"positive","sentiment_score":0.5562850426543843}],"sentiment":"neutral","sentiment_score":0.2914302405383852,"num_words":45,"start":461.315,"end":481.43},{"sentences":[{"text":"Just to kind of review that cover a little bit because you've got pretty well, like, a full suite.","start":482.53,"end":486.44998,"sentiment":"neutral","sentiment_score":0.1939273268768662},{"text":"Like, everything is protected.","start":486.44998,"end":487.66998,"sentiment":"neutral","sentiment_score":0.2670091949403286},{"text":"You've got life insurance, that's 758,000 worth of cover.","start":488.085,"end":493.545,"sentiment":"neutral","sentiment_score":0.20252840552065107},{"text":"It's, like, $7.92 a year.","start":493.685,"end":495.125,"sentiment":"neutral","sentiment_score":0.10027675032615661},{"text":"Not too bad.","start":495.125,"end":496.025,"sentiment":"neutral","sentiment_score":0.13705378770828247}],"sentiment":"neutral","sentiment_score":0.18719891887158155,"num_words":40,"start":482.53,"end":496.025},{"sentences":[{"text":"As far as what that covers, so, obviously, your your mortgage is cleared because last time, I think, we had it about $2.60.","start":497.365,"end":503.69998,"sentiment":"neutral","sentiment_score":-0.026739556261378784},{"text":"Has that gone down a lot?","start":503.69998,"end":505.08,"sentiment":"neutral","sentiment_score":-0.09284530331691106},{"text":"Yeah.","start":513.71497,"end":514.21497,"sentiment":"neutral","sentiment_score":-0.06047569960355759},{"text":"Yeah.","start":524.035,"end":524.115,"sentiment":"neutral","sentiment_score":-0.034830402582883835},{"text":"Yep.","start":524.115,"end":524.435,"sentiment":"neutral","sentiment_score":-0.017353203147649765}],"sentiment":"neutral","sentiment_score":-0.040148153726477176,"num_words":32,"start":497.365,"end":524.435},{"sentences":[{"text":"So we'll call it in the middle there about $3.90 owing.","start":524.435,"end":527.495,"sentiment":"neutral","sentiment_score":-0.045692557977004486},{"text":"So what that basically means is that let's say you can never work again.","start":527.71497,"end":534.15,"sentiment":"neutral","sentiment_score":-0.1710977123251983},{"text":"You're in a car accident.","start":534.37,"end":535.59,"sentiment":"neutral","sentiment_score":-0.2555802881717682},{"text":"You're you're knocked out for life.","start":535.89,"end":537.43,"sentiment":"neutral","sentiment_score":-0.22081596155961355},{"text":"That clears your mortgage, leaves you with about $3.53 60, and then your super on top, which is getting closer to the $100 market sitting at $87.00 5 6.","start":538.53,"end":549.655,"sentiment":"neutral","sentiment_score":0.03132257160955462}],"sentiment":"neutral","sentiment_score":-0.07065274990521944,"num_words":65,"start":524.435,"end":549.655},{"sentences":[{"text":"So call it a little over $400 plus the mortgage paid off.","start":549.955,"end":553.79504,"sentiment":"neutral","sentiment_score":-0.032476093309621014},{"text":"That's kind of the situation you're looking at.","start":553.79504,"end":556.02,"sentiment":"neutral","sentiment_score":-0.061536003369838},{"text":"Do you need me to look at increasing that to cover the extra debt, or are you happy with that amount?","start":557.30005,"end":562.44,"sentiment":"neutral","sentiment_score":-0.012580795479672295},{"text":"Yep.","start":567.30005,"end":567.80005,"sentiment":"neutral","sentiment_score":0.1388486921787262},{"text":"The way I kinda work it out, and it's like a just a little bit of a work back, is let's say you've got, like, that $3.90 there.","start":567.94,"end":574.425,"sentiment":"neutral","sentiment_score":0.05306973080483398}],"sentiment":"neutral","sentiment_score":0.006837190042382904,"num_words":70,"start":549.955,"end":574.425},{"sentences":[{"text":"It equates to I think we had your income at about $80.","start":574.96497,"end":578.40497,"sentiment":"neutral","sentiment_score":0.01574639727671941},{"text":"Has that gone up?","start":578.40497,"end":579.46497,"sentiment":"neutral","sentiment_score":0.0037627341225743294},{"text":"Yep.","start":584.26,"end":584.76,"sentiment":"neutral","sentiment_score":0.028149675577878952},{"text":"So I reckon taking into account tax, you're probably looking at, like, mortgage cleared and five years worth of expenses covered plus your income protection on top.","start":590.58,"end":601.575,"sentiment":"neutral","sentiment_score":-0.004186384172903167},{"text":"That sound alright?","start":603.395,"end":604.375,"sentiment":"neutral","sentiment_score":0.07713370273510615}],"sentiment":"neutral","sentiment_score":0.007458002445228556,"num_words":47,"start":574.96497,"end":604.375},{"sentences":[{"text":"Perfect.","start":605.875,"end":606.375,"sentiment":"neutral","sentiment_score":0.3130784034729004},{"text":"What about house value?","start":607.315,"end":608.435,"sentiment":"neutral","sentiment_score":0.12306018359959126},{"text":"Is that skyrocketed along with everybody else's?","start":608.435,"end":610.935,"sentiment":"neutral","sentiment_score":0.13191367898668563},{"text":"93.","start":625.205,"end":626.265,"sentiment":"neutral","sentiment_score":-0.0024614627473056316},{"text":"Yep.","start":629.925,"end":630.425,"sentiment":"neutral","sentiment_score":0.008678131736814976}],"sentiment":"neutral","sentiment_score":0.123923682840541,"num_words":14,"start":605.875,"end":630.425},{"sentences":[{"text":"Last financial year.","start":630.885,"end":632.34503,"sentiment":"neutral","sentiment_score":-0.04133259939650694},{"text":"And is that a lot of, like, overtime on top, or is that just kind of hourly base rate full time?","start":637.45996,"end":643.0,"sentiment":"neutral","sentiment_score":-0.059657420785654156},{"text":"Okay.","start":666.21,"end":666.53,"sentiment":"neutral","sentiment_score":0.014276126399636269},{"text":"So would that work out then saying, like, our base income of about $80 total income about 90 per year with just a little bit of extra, or is that would you say that's inaccurate?","start":666.53,"end":680.125,"sentiment":"neutral","sentiment_score":-0.03442524118082864},{"text":"Mhmm.","start":691.08,"end":691.58,"sentiment":"neutral","sentiment_score":0.00012495671398937702}],"sentiment":"neutral","sentiment_score":-0.042086655621371066,"num_words":61,"start":630.885,"end":691.58},{"sentences":[{"text":"Okay.","start":708.135,"end":708.635,"sentiment":"neutral","sentiment_score":-0.00874353852123022},{"text":"Yeah.","start":716.87006,"end":717.11005,"sentiment":"neutral","sentiment_score":0.03044319897890091},{"text":"Right.","start":717.11005,"end":717.27,"sentiment":"neutral","sentiment_score":0.04117521271109581},{"text":"So it's more close to, like, 86 or something like that.","start":717.27,"end":720.25,"sentiment":"neutral","sentiment_score":0.04085003279826858},{"text":"And what I might do too is you're you're still working for Paul Bills Plumbing and Gas.","start":722.39,"end":728.59503,"sentiment":"neutral","sentiment_score":0.06586719917900422}],"sentiment":"neutral","sentiment_score":0.05264411677396105,"num_words":31,"start":708.135,"end":728.59503},{"sentences":[{"text":"I can see that's still coming through.","start":728.59503,"end":730.375,"sentiment":"neutral","sentiment_score":0.14813079365662166},{"text":"Your contributions are basically the same every single time, which is really helpful because that basically tells me is this fortnightly we've got, oh, jeez, they're a little bit a little bit all over the shop.","start":730.515,"end":743.97,"sentiment":"neutral","sentiment_score":0.18191071599721909},{"text":"Let me just check this.","start":743.97,"end":745.11,"sentiment":"neutral","sentiment_score":0.04728497266769409},{"text":"$206.47 comes in.","start":745.25,"end":747.99,"sentiment":"neutral","sentiment_score":0.03144008666276932},{"text":"I'm gonna get her let's go fortnightly for a second.","start":748.13,"end":752.55,"sentiment":"neutral","sentiment_score":0.044942513667047025}],"sentiment":"neutral","sentiment_score":0.13714543592612274,"num_words":61,"start":728.59503,"end":752.55},{"sentences":[{"text":"Provide that back.","start":753.045,"end":754.645,"sentiment":"neutral","sentiment_score":0.020652783724168938},{"text":"No.","start":754.645,"end":754.805,"sentiment":"neutral","sentiment_score":-0.18084478378295896},{"text":"That's not right.","start":754.805,"end":755.785,"sentiment":"neutral","sentiment_score":-0.18801134824752808},{"text":"We'll do weekly.","start":756.325,"end":757.46497,"sentiment":"neutral","sentiment_score":-0.044956168780724205},{"text":"Yeah.","start":760.165,"end":760.40497,"sentiment":"neutral","sentiment_score":0.03799730911850929}],"sentiment":"neutral","sentiment_score":-0.07089015223424543,"num_words":11,"start":753.045,"end":760.40497},{"sentences":[{"text":"There we go.","start":760.40497,"end":761.225,"sentiment":"neutral","sentiment_score":0.04858144869407018},{"text":"So if I work that back as a weekly, which is really good because they've made those changes where the employees have to pay them in line with your pay cycle into your super.","start":761.845,"end":770.23,"sentiment":"neutral","sentiment_score":0.2607390922220314},{"text":"So previously, quarterly, you'd have to wait three months for the super to come in.","start":770.23,"end":773.91,"sentiment":"neutral","sentiment_score":0.07162691156069438},{"text":"These guys are paying you basically every week, and it works back to be an income of around about 89,000, and then you've said around $4 of overtime.","start":773.91,"end":782.595,"sentiment":"neutral","sentiment_score":0.21070005425385066},{"text":"So that actually works back pretty well perfectly.","start":784.095,"end":787.39496,"sentiment":"positive","sentiment_score":0.5963205993175507}],"sentiment":"neutral","sentiment_score":0.2358573121442036,"num_words":88,"start":760.40497,"end":787.39496},{"sentences":[{"text":"4 k.","start":790.89496,"end":791.795,"sentiment":"neutral","sentiment_score":0.13590849936008453},{"text":"Yeah.","start":797.70996,"end":798.02997,"sentiment":"positive","sentiment_score":0.3596658706665039},{"text":"They're they're really doing the right thing.","start":798.02997,"end":799.87,"sentiment":"positive","sentiment_score":0.5308429811682019},{"text":"Most people are waiting until they're forced to do it, but these guys have done it pretty well straight away.","start":799.87,"end":804.85,"sentiment":"positive","sentiment_score":0.4841422140598297},{"text":"And it's really helpful for super because, basically, what it means is have you ever heard of dollar cost averaging before?","start":805.07,"end":811.495,"sentiment":"neutral","sentiment_score":0.2631266688307126}],"sentiment":"positive","sentiment_score":0.3834487855726597,"num_words":51,"start":790.89496,"end":811.495},{"sentences":[{"text":"Yeah.","start":826.85004,"end":827.09,"sentiment":"neutral","sentiment_score":0.08123618364334106},{"text":"It's like invested earlier and invested for longer.","start":827.09,"end":830.47003,"sentiment":"neutral","sentiment_score":0.12596262246370316},{"text":"And the flip side to it, which is really handy, is in the current situation when the stock market's going up and down like a yo yo because there's a war and a oil crisis and interest rates going crazy, if the market dips and you've got all these contributions coming in weekly, you get to buy up all these shares, property, gold for a cheaper price straight away, and you're not missing a buying opportunity.","start":830.895,"end":854.01,"sentiment":"neutral","sentiment_score":0.04246066544989222},{"text":"Yeah.","start":854.79,"end":855.29,"sentiment":"neutral","sentiment_score":0.20023930072784424},{"text":"Exactly right.","start":855.43,"end":856.49,"sentiment":"positive","sentiment_score":0.3615396320819855}],"sentiment":"neutral","sentiment_score":0.05953711707314307,"num_words":88,"start":826.85004,"end":856.49},{"sentences":[{"text":"So that just means that you don't miss out as many buying opportunities.","start":856.55,"end":860.25,"sentiment":"neutral","sentiment_score":0.267861317556638},{"text":"Smooths your returns out, which is really good.","start":862.505,"end":864.685,"sentiment":"positive","sentiment_score":0.6670892834663391},{"text":"So that's looking pretty cool.","start":865.545,"end":867.165,"sentiment":"positive","sentiment_score":0.6519319415092468},{"text":"Now I'm just having a look sort of goals wise.","start":867.225,"end":870.045,"sentiment":"neutral","sentiment_score":0.2524956166744232},{"text":"Mainly, everything we had noted down was just paying off the mortgage.","start":871.305,"end":874.68,"sentiment":"neutral","sentiment_score":0.14360054458181062}],"sentiment":"positive","sentiment_score":0.34014028760915,"num_words":48,"start":856.55,"end":874.68},{"sentences":[{"text":"You've done some renovations.","start":874.74,"end":875.95996,"sentiment":"neutral","sentiment_score":0.10506143607199192},{"text":"What's kind of on the cards for you guys the next few months?","start":876.5,"end":879.16,"sentiment":"neutral","sentiment_score":0.1262290535064844},{"text":"Congrats.","start":888.515,"end":889.015,"sentiment":"positive","sentiment_score":0.4033474922180176},{"text":"Is that number three?","start":889.075,"end":891.255,"sentiment":"neutral","sentiment_score":0.16728104650974274},{"text":"Okay.","start":899.89,"end":900.39,"sentiment":"neutral","sentiment_score":-0.002032504417002201}],"sentiment":"neutral","sentiment_score":0.1361592440744457,"num_words":23,"start":874.74,"end":900.39},{"sentences":[{"text":"Three weeks old.","start":900.69,"end":901.83,"sentiment":"neutral","sentiment_score":-0.041007536773880325},{"text":"Oh, yeah.","start":920.385,"end":921.125,"sentiment":"neutral","sentiment_score":-0.09462869167327881},{"text":"Yep.","start":928.95996,"end":929.45996,"sentiment":"neutral","sentiment_score":-0.045887090265750885},{"text":"Keep tracking along.","start":943.135,"end":944.27496,"sentiment":"neutral","sentiment_score":0.03006118970612685},{"text":"That's awesome, dude.","start":946.51,"end":947.41003,"sentiment":"positive","sentiment_score":0.5134563446044922}],"sentiment":"neutral","sentiment_score":0.10603212658315897,"num_words":12,"start":900.69,"end":947.41003},{"sentences":[{"text":"Absolutely.","start":951.47003,"end":951.97003,"sentiment":"neutral","sentiment_score":0.15202748775482178},{"text":"Absolutely.","start":952.67,"end":953.17,"sentiment":"neutral","sentiment_score":0.06032668426632881},{"text":"Is yours a bit of a fuel guzzler?","start":953.31,"end":955.01,"sentiment":"neutral","sentiment_score":-0.023991714464500546},{"text":"Yeah.","start":969.085,"end":969.585,"sentiment":"neutral","sentiment_score":0.04004325345158577},{"text":"That's awesome, dude.","start":977.01996,"end":977.89996,"sentiment":"positive","sentiment_score":0.7132250666618347}],"sentiment":"neutral","sentiment_score":0.1571527792673026,"num_words":14,"start":951.47003,"end":977.89996},{"sentences":[{"text":"I've got I've got two boys, myself, and a girl on the way in July.","start":977.89996,"end":982.63995,"sentiment":"neutral","sentiment_score":0.22414528330167136},{"text":"How have the the older siblings been with the newborn?","start":983.555,"end":986.375,"sentiment":"neutral","sentiment_score":0.07446066737174988},{"text":"Yep.","start":999.81,"end":1000.31,"sentiment":"neutral","sentiment_score":-0.007103356532752514},{"text":"And how old are the other two?","start":1001.49,"end":1003.19,"sentiment":"neutral","sentiment_score":-0.034572797428284376},{"text":"Four and two.","start":1007.01,"end":1007.97003,"sentiment":"neutral","sentiment_score":0.005802002424995105}],"sentiment":"neutral","sentiment_score":0.10764108311074476,"num_words":36,"start":977.89996,"end":1007.97003},{"sentences":[{"text":"Wow.","start":1007.97003,"end":1008.13,"sentiment":"neutral","sentiment_score":0.0813818871974945},{"text":"You got the the gap perfect, mate.","start":1008.13,"end":1010.145,"sentiment":"neutral","sentiment_score":0.12947146062340056},{"text":"Awesome.","start":1022.56,"end":1022.87994,"sentiment":"neutral","sentiment_score":0.2941293716430664},{"text":"So did you say two sons and a daughter?","start":1022.87994,"end":1024.98,"sentiment":"neutral","sentiment_score":0.029770280234515667},{"text":"Perfect.","start":1026.5599,"end":1027.0599,"sentiment":"neutral","sentiment_score":0.26759862899780273}],"sentiment":"neutral","sentiment_score":0.09564961233225308,"num_words":19,"start":1007.97003,"end":1027.0599},{"sentences":[{"text":"Oh, boy.","start":1027.76,"end":1028.4199,"sentiment":"neutral","sentiment_score":0.22781189531087875},{"text":"Amazing.","start":1028.96,"end":1029.46,"sentiment":"positive","sentiment_score":0.3964202404022217},{"text":"Amazing.","start":1029.52,"end":1029.9199,"sentiment":"positive","sentiment_score":0.4515044093132019},{"text":"Amazing.","start":1029.9199,"end":1030.1599,"sentiment":"neutral","sentiment_score":0.2553738057613373},{"text":"And so Roxanne's okay after the C section, just recovering normally, nothing too crazy?","start":1030.1599,"end":1034.74,"sentiment":"neutral","sentiment_score":0.1145143625991685}],"sentiment":"neutral","sentiment_score":0.16642754328878304,"num_words":19,"start":1027.76,"end":1034.74},{"sentences":[{"text":"Amazing.","start":1050.79,"end":1051.29,"sentiment":"positive","sentiment_score":0.6922975182533264},{"text":"Amazing.","start":1051.3501,"end":1051.8501,"sentiment":"positive","sentiment_score":0.6791603565216064},{"text":"I'm checking a few other things here.","start":1051.91,"end":1053.8501,"sentiment":"positive","sentiment_score":0.4150030527796064},{"text":"We were still aiming towards, like, a age 67 retirement.","start":1054.7101,"end":1058.0901,"sentiment":"neutral","sentiment_score":0.12665824443101883},{"text":"Obviously, earlier would be nice too.","start":1058.15,"end":1060.17,"sentiment":"neutral","sentiment_score":0.22182018806536993}],"sentiment":"neutral","sentiment_score":0.27495931267738344,"num_words":25,"start":1050.79,"end":1060.17},{"sentences":[{"text":"Nothing too crazy on the cards.","start":1061.715,"end":1063.335,"sentiment":"neutral","sentiment_score":0.19144060711065927},{"text":"Your estate planning is looking alright too.","start":1063.5549,"end":1066.115,"sentiment":"positive","sentiment_score":0.39190525242260527},{"text":"I think you've got Roxy is listed as your beneficiary for the super, so that's all good to go.","start":1066.115,"end":1072.275,"sentiment":"positive","sentiment_score":0.4402183262925399},{"text":"It's on lapping, so it doesn't expire.","start":1072.275,"end":1074.215,"sentiment":"neutral","sentiment_score":0.24051868276936667},{"text":"I'm gonna double check that it's on the life insurance just in case, but that should be sweet.","start":1074.57,"end":1079.87,"sentiment":"neutral","sentiment_score":0.25757137934366864}],"sentiment":"neutral","sentiment_score":0.3258955125745974,"num_words":57,"start":1061.715,"end":1079.87},{"sentences":[{"text":"You do also have so with your income protection, you've got a thirty day waiting period.","start":1081.21,"end":1087.5299,"sentiment":"neutral","sentiment_score":0.14139552135020494},{"text":"So if you're out of work for more than a month, it kicks in, and they cover you monthly for up to five years.","start":1087.5299,"end":1092.3351,"sentiment":"neutral","sentiment_score":0.06982233561575413},{"text":"So if I work back, you're covered for 5,683 a month.","start":1093.755,"end":1098.735,"sentiment":"neutral","sentiment_score":0.046144071289084175},{"text":"And if I work that back at 70% actually, when did you get that policy?","start":1099.675,"end":1103.775,"sentiment":"neutral","sentiment_score":0.007831063369909923},{"text":"2017.","start":1104.0751,"end":1105.055,"sentiment":"neutral","sentiment_score":0.0045364247635006905}],"sentiment":"neutral","sentiment_score":0.06817390381900677,"num_words":67,"start":1081.21,"end":1105.055},{"sentences":[{"text":"Amazing.","start":1110.24,"end":1110.74,"sentiment":"neutral","sentiment_score":0.058729641139507294},{"text":"Yeah.","start":1132.11,"end":1132.4299,"sentiment":"neutral","sentiment_score":0.015145013108849524},{"text":"Because what happened in 2021 is that the government actually restricted income protection to a maximum of 70% of your income.","start":1132.4299,"end":1140.85,"sentiment":"neutral","sentiment_score":0.007581241340154693},{"text":"Your policy is before that, so it's 75 which gives you that little bit of a buffer that you can always be kind of that extra little bit covered, and that can pay a little bit extra.","start":1141.15,"end":1151.385,"sentiment":"neutral","sentiment_score":0.11321766362399668},{"text":"So if I work back your current cover amount at 75%, it's covering an income of about $91, which is kind of perfect.","start":1151.605,"end":1163.4,"sentiment":"neutral","sentiment_score":0.26695023768621945}],"sentiment":"neutral","sentiment_score":0.12725288847304253,"num_words":83,"start":1110.24,"end":1163.4},{"sentences":[{"text":"Gives you that extra, you know, 600 a month because 70% for most people just get some buy on expenses.","start":1163.7001,"end":1169.4,"sentiment":"positive","sentiment_score":0.5024921387434006},{"text":"It means you might have an extra couple of dollars in the pocket.","start":1169.4601,"end":1171.9451,"sentiment":"positive","sentiment_score":0.44516462316879857},{"text":"Yep.","start":1173.2051,"end":1173.7051,"sentiment":"neutral","sentiment_score":0.17145419120788574},{"text":"I'll keep an eye on the premiums because, obviously, 3 and a half grand coming out of the super in total, 15% rebate off of that, it increases with your age.","start":1174.085,"end":1183.785,"sentiment":"neutral","sentiment_score":0.19433543158154334},{"text":"So in your thirties, it's totally cool.","start":1184.13,"end":1187.11,"sentiment":"positive","sentiment_score":0.5482543579169682}],"sentiment":"positive","sentiment_score":0.3593141104405125,"num_words":72,"start":1163.7001,"end":1187.11},{"sentences":[{"text":"Once you hit your forties, it can very quickly go up to $6.07, $8.09 grands, and we need to keep on top of it.","start":1187.17,"end":1193.51,"sentiment":"neutral","sentiment_score":0.12168034150575598},{"text":"So if you smash out that mortgage over the next five years and all of a sudden premiums are jumping up, we can always reduce it if you don't have as much debt to cover and just sort of play that balancing act.","start":1194.85,"end":1205.675,"sentiment":"neutral","sentiment_score":0.005232420208495717},{"text":"You know what I mean?","start":1205.675,"end":1206.8251,"sentiment":"neutral","sentiment_score":-0.03914372473955154},{"text":"Yep.","start":1215.13,"end":1215.4501,"sentiment":"neutral","sentiment_score":-0.011586248874664308},{"text":"Exactly right.","start":1215.4501,"end":1216.3301,"sentiment":"neutral","sentiment_score":-0.11386292055249214}],"sentiment":"neutral","sentiment_score":0.036137220685680704,"num_words":75,"start":1187.17,"end":1216.3301},{"sentences":[{"text":"The only yeah.","start":1216.3301,"end":1221.61,"sentiment":"neutral","sentiment_score":-0.07097931082050006},{"text":"It's like less years to cover, less debt to cover, so don't need as much insurance.","start":1221.61,"end":1226.03,"sentiment":"neutral","sentiment_score":-0.08237061672843993},{"text":"Yeah.","start":1226.0901,"end":1226.385,"sentiment":"neutral","sentiment_score":0.04118623584508896},{"text":"And the more we build up your super too, that'll offset it as well.","start":1227.905,"end":1231.025,"sentiment":"neutral","sentiment_score":0.22726047784090042},{"text":"I mean, everything's an asset at the end of the day.","start":1231.025,"end":1233.4451,"sentiment":"neutral","sentiment_score":0.2963182844898917}],"sentiment":"neutral","sentiment_score":0.11003258344199922,"num_words":45,"start":1216.3301,"end":1233.4451},{"sentences":[{"text":"Your trauma cover, so that's $65,100 lump sum.","start":1235.265,"end":1239.825,"sentiment":"neutral","sentiment_score":0.01960604591295123},{"text":"So if you have a heart attack, get diagnosed with, you know, stroke, cancer, something like that, it's just an instant lump sum, gives you a partner time to take a bit of time off work and look after you, medical expenses if you wanna go private, all that kind of stuff.","start":1239.825,"end":1254.14,"sentiment":"neutral","sentiment_score":0.10907509844177045},{"text":"And the good thing too is because you pay that little bit out of pocket, you've got much easier definitions of easier claims on your income protection, extras package, like, everything you could want out of it, you've got.","start":1256.0851,"end":1269.54,"sentiment":"positive","sentiment_score":0.6351512425985092},{"text":"Cool.","start":1271.38,"end":1271.78,"sentiment":"positive","sentiment_score":0.4771227538585663},{"text":"So you okay for me to just kinda leave that alone for the time being.","start":1271.78,"end":1274.66,"sentiment":"neutral","sentiment_score":0.2577832142512004}],"sentiment":"neutral","sentiment_score":0.30385672100212263,"num_words":115,"start":1235.265,"end":1274.66},{"sentences":[{"text":"Next anniversary is November.","start":1274.66,"end":1276.02,"sentiment":"neutral","sentiment_score":0.07727817445993423},{"text":"Just keep an eye on it.","start":1276.02,"end":1277.4,"sentiment":"neutral","sentiment_score":0.12148767833908398},{"text":"Yep.","start":1281.54,"end":1281.915,"sentiment":"positive","sentiment_score":0.3405986428260803},{"text":"Easy done.","start":1282.155,"end":1282.895,"sentiment":"positive","sentiment_score":0.6039953529834747},{"text":"When it comes to the super, I was having a look at the performance.","start":1283.755,"end":1287.675,"sentiment":"neutral","sentiment_score":0.1882102329816137}],"sentiment":"neutral","sentiment_score":0.19339153253369862,"num_words":27,"start":1274.66,"end":1287.675},{"sentences":[{"text":"I've sent it through in that pack for you to have a look at with me.","start":1287.675,"end":1290.8151,"sentiment":"neutral","sentiment_score":0.2782083209604025},{"text":"We've got I'm just bringing up your asset allocation because you're in a high growth.","start":1292.155,"end":1297.135,"sentiment":"neutral","sentiment_score":0.23946545124053956},{"text":"So you've got, say, 90% of your money in shares, property, gold.","start":1297.47,"end":1302.75,"sentiment":"neutral","sentiment_score":0.15259444216887155},{"text":"We call those growth assets.","start":1302.75,"end":1304.13,"sentiment":"neutral","sentiment_score":0.15373582243919373},{"text":"High risk, high return.","start":1304.51,"end":1305.65,"sentiment":"neutral","sentiment_score":0.07929444871842861}],"sentiment":"neutral","sentiment_score":0.21077509840520528,"num_words":52,"start":1287.675,"end":1305.65},{"sentences":[{"text":"Very little in the safe side of things because, obviously, whole point is to grow it.","start":1306.03,"end":1310.325,"sentiment":"neutral","sentiment_score":0.18658638326451182},{"text":"Now when you get close to retirement, you probably don't wanna be high risk at the age of 64.","start":1311.845,"end":1316.825,"sentiment":"neutral","sentiment_score":-0.15572150130020945},{"text":"Market crashes, you lose half your super a year before you go to live off it.","start":1317.125,"end":1320.485,"sentiment":"neutral","sentiment_score":-0.29309481754899025},{"text":"Do you know what I mean?","start":1320.485,"end":1321.5449,"sentiment":"neutral","sentiment_score":-0.09541141365965207},{"text":"Spot on.","start":1348.29,"end":1349.17,"sentiment":"neutral","sentiment_score":-0.0243242047727108}],"sentiment":"neutral","sentiment_score":-0.089558650250152,"num_words":59,"start":1306.03,"end":1349.17},{"sentences":[{"text":"Spot on.","start":1349.17,"end":1349.97,"sentiment":"neutral","sentiment_score":-0.009163148002699018},{"text":"So yeah?","start":1349.97,"end":1352.32,"sentiment":"neutral","sentiment_score":-0.018530575558543205},{"text":"Yeah.","start":1363.905,"end":1364.405,"sentiment":"neutral","sentiment_score":-0.2633211612701416},{"text":"Yeah.","start":1379.6,"end":1380.0801,"sentiment":"neutral","sentiment_score":0.02938801422715187},{"text":"Yep.","start":1380.0801,"end":1380.4,"sentiment":"neutral","sentiment_score":0.09321405738592148}],"sentiment":"neutral","sentiment_score":-0.0280152195399361,"num_words":7,"start":1349.17,"end":1380.4},{"sentences":[{"text":"And because all the returns with these assets are percentage based, you've got $87 in your super now.","start":1380.4,"end":1386.815,"sentiment":"neutral","sentiment_score":0.14591706875297758},{"text":"Right?","start":1386.815,"end":1387.315,"sentiment":"neutral","sentiment_score":0.1048283874988556},{"text":"So benchmark for high growth is a consistent 10% return, and you're on track.","start":1387.375,"end":1393.075,"sentiment":"neutral","sentiment_score":0.18430731019803456},{"text":"So that for you is like $9,000.","start":1393.2949,"end":1395.475,"sentiment":"neutral","sentiment_score":0.12813562686954225},{"text":"You put in a bit more than that in contributions currently.","start":1395.775,"end":1398.835,"sentiment":"neutral","sentiment_score":0.07146006145260551}],"sentiment":"neutral","sentiment_score":0.13714996140961552,"num_words":51,"start":1380.4,"end":1398.835},{"sentences":[{"text":"Now if you've got half a mil, now we're talking $50 up and down.","start":1400.3301,"end":1404.51,"sentiment":"neutral","sentiment_score":0.02030153409577906},{"text":"In those later years, your returns kind of take off, and they do the bulk of it, but they're also the bulk risk because any movement, you're gonna see a huge swing like he did.","start":1404.5701,"end":1413.675,"sentiment":"neutral","sentiment_score":-0.05830875039100647},{"text":"So balancing act is build it up to that million dollars as quick as you can and then start protecting it so that as you get close to retirement, we can make it safer and safer in the lead up to it once you've got enough.","start":1415.5951,"end":1426.175,"sentiment":"neutral","sentiment_score":0.2603284729563672},{"text":"Cool.","start":1428.08,"end":1428.48,"sentiment":"positive","sentiment_score":0.3392947316169739},{"text":"And with your contributions going in weekly, like, it sounds like you you're okay to kind of ride out the waves of these or every seven years, there's something going on in the news.","start":1428.48,"end":1436.82,"sentiment":"neutral","sentiment_score":0.24601238440064824}],"sentiment":"neutral","sentiment_score":0.1455556982375968,"num_words":130,"start":1400.3301,"end":1436.82},{"sentences":[{"text":"It repeats constantly as long as you're okay to kind of use that as a buying opportunity and not panic.","start":1437.2,"end":1443.125,"sentiment":"neutral","sentiment_score":0.23129596710205078},{"text":"Yep.","start":1445.665,"end":1446.165,"sentiment":"neutral","sentiment_score":0.07914426922798157},{"text":"There's a pandemic, a war.","start":1455.12,"end":1457.38,"sentiment":"neutral","sentiment_score":-0.13346761763095855},{"text":"Always something.","start":1458.9601,"end":1459.78,"sentiment":"neutral","sentiment_score":0.008154292590916157},{"text":"Always something.","start":1460.0,"end":1460.9,"sentiment":"neutral","sentiment_score":0.07960480824112892}],"sentiment":"neutral","sentiment_score":0.1404414574926098,"num_words":30,"start":1437.2,"end":1460.9},{"sentences":[{"text":"The main thing for us is in between now and then is we just need to make sure the investments you've got are good so that they're growing the way they should be.","start":1461.92,"end":1469.395,"sentiment":"neutral","sentiment_score":0.269684987989339},{"text":"All in all, when I'm looking at the performance, we've pretty much cleared a like, that 10% net return after fees, premiums, taxes, everything like that.","start":1470.1749,"end":1479.81,"sentiment":"positive","sentiment_score":0.45191282721666187},{"text":"So you're pretty well still okay.","start":1479.81,"end":1481.51,"sentiment":"positive","sentiment_score":0.6524743338425955},{"text":"Most of the options there, you've got I mean, your gold's gone out of the park.","start":1483.25,"end":1486.71,"sentiment":"positive","sentiment_score":0.40889022778719664},{"text":"You've got a bit of gold that's gone up 30% in the last year.","start":1486.77,"end":1489.905,"sentiment":"positive","sentiment_score":0.44406391254493166}],"sentiment":"positive","sentiment_score":0.39287707931117005,"num_words":95,"start":1461.92,"end":1489.905},{"sentences":[{"text":"You've got international shares that are up double digits too.","start":1490.0651,"end":1494.385,"sentiment":"neutral","sentiment_score":0.2513259515166283},{"text":"There's a couple there that have dipped a bit, your Australian shares and some Indian shares.","start":1494.385,"end":1498.785,"sentiment":"neutral","sentiment_score":0.0836300675291568},{"text":"So I'll probably keep an eye on those.","start":1498.785,"end":1501.285,"sentiment":"neutral","sentiment_score":0.08587868139147758},{"text":"And if they don't kind of pick back up at the next review, we'll probably have to maybe switch them out and try and find something a bit better like for like.","start":1501.665,"end":1509.24,"sentiment":"neutral","sentiment_score":-0.2056177401682362},{"text":"Cool.","start":1511.22,"end":1511.72,"sentiment":"neutral","sentiment_score":0.20584245026111603}],"sentiment":"neutral","sentiment_score":-0.027396346094892984,"num_words":67,"start":1490.0651,"end":1511.72},{"sentences":[{"text":"With all of your, like, cash flow and everything, are you setting aside, like, a certain amount of savings into offset for the mortgage, extra repayments?","start":1512.26,"end":1520.6749,"sentiment":"neutral","sentiment_score":0.13493694393680647},{"text":"Like, what's going on cash flow wise for you guys?","start":1520.8949,"end":1523.315,"sentiment":"neutral","sentiment_score":0.09888499081134797},{"text":"Mortgage.","start":1543.95,"end":1544.45,"sentiment":"neutral","sentiment_score":0.09537054598331451},{"text":"Yeah.","start":1544.9099,"end":1545.4099,"sentiment":"neutral","sentiment_score":0.097125343978405},{"text":"Yeah.","start":1560.6,"end":1561.1,"sentiment":"neutral","sentiment_score":0.02403263933956623}],"sentiment":"neutral","sentiment_score":0.12086510204542907,"num_words":39,"start":1512.26,"end":1561.1},{"sentences":[{"text":"Yeah.","start":1583.03,"end":1583.53,"sentiment":"neutral","sentiment_score":0.1849556714296341},{"text":"Yeah.","start":1613.2201,"end":1613.54,"sentiment":"neutral","sentiment_score":-0.04092478007078171},{"text":"All your stamp duties and your agents fees and yep.","start":1613.54,"end":1617.0,"sentiment":"neutral","sentiment_score":-0.05698821805417538},{"text":"Perfect.","start":1630.45,"end":1630.95,"sentiment":"positive","sentiment_score":0.4951746463775635},{"text":"That worked out well.","start":1631.57,"end":1632.7899,"sentiment":"neutral","sentiment_score":0.18449681624770164}],"sentiment":"neutral","sentiment_score":0.04748886012855698,"num_words":17,"start":1583.03,"end":1632.7899},{"sentences":[{"text":"Mhmm.","start":1652.465,"end":1652.965,"sentiment":"neutral","sentiment_score":0.01687820814549923},{"text":"Okay.","start":1663.6,"end":1664.1,"sentiment":"neutral","sentiment_score":0.052541207522153854},{"text":"Yep.","start":1664.24,"end":1664.74,"sentiment":"neutral","sentiment_score":0.04753547161817551},{"text":"Yep.","start":1674.975,"end":1675.475,"sentiment":"neutral","sentiment_score":0.10114016383886336},{"text":"Gotcha.","start":1682.1901,"end":1682.6901,"sentiment":"neutral","sentiment_score":0.0956503599882126}],"sentiment":"neutral","sentiment_score":0.06274908222258091,"num_words":5,"start":1652.465,"end":1682.6901},{"sentences":[{"text":"Beautiful.","start":1703.9,"end":1704.38,"sentiment":"positive","sentiment_score":0.6976640224456787},{"text":"Do you have a bit of an estimate on, like, how much you're able to get in there, like, net if you had to scroll away some savings for anything else?","start":1704.38,"end":1711.4401,"sentiment":"neutral","sentiment_score":0.07777898145779487},{"text":"Yep.","start":1720.9551,"end":1721.4551,"sentiment":"neutral","sentiment_score":0.1386200785636902},{"text":"Perfect.","start":1731.5299,"end":1732.0299,"sentiment":"positive","sentiment_score":0.560982346534729},{"text":"When did you start that?","start":1732.09,"end":1733.5499,"sentiment":"neutral","sentiment_score":0.18849887251853942}],"sentiment":"neutral","sentiment_score":0.12181818552124195,"num_words":39,"start":1703.9,"end":1733.5499},{"sentences":[{"text":"I can kind of do a bit of a calculation there.","start":1733.69,"end":1736.11,"sentiment":"neutral","sentiment_score":0.0704963430762291},{"text":"Yeah.","start":1744.265,"end":1744.765,"sentiment":"neutral","sentiment_score":0.1018487811088562},{"text":"You're done.","start":1745.5449,"end":1746.1849,"sentiment":"neutral","sentiment_score":0.14702732115983963},{"text":"So I can just go 55 $107, and we'll work that back.","start":1746.1849,"end":1750.985,"sentiment":"neutral","sentiment_score":0.11585056036710739},{"text":"And think we had you saving around about 200 a week, and I'm working out maybe $2.40.","start":1750.985,"end":1756.0,"sentiment":"neutral","sentiment_score":0.14117077913354426}],"sentiment":"neutral","sentiment_score":0.11538309690564177,"num_words":43,"start":1733.69,"end":1756.0},{"sentences":[{"text":"So that that sound alright?","start":1756.38,"end":1757.84,"sentiment":"neutral","sentiment_score":0.11628052741289138},{"text":"Perfect.","start":1759.5,"end":1760.0,"sentiment":"positive","sentiment_score":0.4190937876701355},{"text":"Now given that that's the priority at the moment, do you want me to look at salary sacrifice extra into super for the tax deductions or just keep focusing on the mortgage at the moment?","start":1760.38,"end":1769.965,"sentiment":"neutral","sentiment_score":0.008640421714101518},{"text":"Yeah.","start":1778.04,"end":1778.36,"sentiment":"neutral","sentiment_score":0.16685205698013306},{"text":"You're starting to catch up there in terms of average for your age, and you're starting to kind of go above the average now.","start":1778.36,"end":1784.44,"sentiment":"neutral","sentiment_score":0.14130496699362993}],"sentiment":"neutral","sentiment_score":0.07365276438720299,"num_words":66,"start":1756.38,"end":1784.44},{"sentences":[{"text":"So the longer you stay in that high growth and earn a decent amount, that will start going quicker and quicker.","start":1784.44,"end":1790.22,"sentiment":"neutral","sentiment_score":0.24021553638435544},{"text":"So it can be something for your forties and fifties.","start":1790.565,"end":1793.465,"sentiment":"neutral","sentiment_score":0.2505063757300377},{"text":"At some point, $50 a week is amazing.","start":1793.845,"end":1796.2649,"sentiment":"positive","sentiment_score":0.4585776850581169},{"text":"But, again, you you don't wanna lock away all the cash flow till you're 60 if you wanna be doing mortgage off, holidays, kids, all that kind of thing.","start":1796.325,"end":1805.4,"sentiment":"neutral","sentiment_score":-0.026142796437288153},{"text":"You've gotta have that emergency funds.","start":1817.56,"end":1819.66,"sentiment":"neutral","sentiment_score":-0.19664405503620705}],"sentiment":"neutral","sentiment_score":0.12540819020186728,"num_words":74,"start":1784.44,"end":1819.66},{"sentences":[{"text":"Fantastic.","start":1823.0951,"end":1823.5951,"sentiment":"positive","sentiment_score":0.7499182224273682},{"text":"And are you guys ever do you ever consider jumping into some investing at some point in your life, or you just want to be debt free, look after, like you know, do you want to build up assets for the kids?","start":1823.7351,"end":1834.055,"sentiment":"neutral","sentiment_score":0.18579425902238914},{"text":"Or Do you know how much the value is at at the moment just so I can note it down for your file?","start":1834.055,"end":1871.25,"sentiment":"neutral","sentiment_score":0.03533294643072978},{"text":"Thank you, sir.","start":1877.185,"end":1878.085,"sentiment":"positive","sentiment_score":0.4819472034772237},{"text":"Okay.","start":1888.72,"end":1889.22,"sentiment":"neutral","sentiment_score":0.06212972104549408}],"sentiment":"neutral","sentiment_score":0.15534151715359518,"num_words":70,"start":1823.0951,"end":1889.22},{"sentences":[{"text":"But battery, tech, and lithium, like, the last year or so, I'm pretty sure those that's going up massively with all the electric vehicles and everything.","start":1898.3351,"end":1906.035,"sentiment":"neutral","sentiment_score":0.12783175248366135},{"text":"Yeah.","start":1923.1649,"end":1923.6649,"sentiment":"neutral","sentiment_score":-0.0010651637567207215},{"text":"Yeah.","start":1935.34,"end":1935.84,"sentiment":"neutral","sentiment_score":0.005259786266833544},{"text":"Just whatever it's valued at as of, I guess, today.","start":1958.25,"end":1961.77,"sentiment":"neutral","sentiment_score":0.013232117332518101},{"text":"Yeah.","start":1961.77,"end":1962.27,"sentiment":"neutral","sentiment_score":0.015813428908586502}],"sentiment":"neutral","sentiment_score":0.0891270458799763,"num_words":39,"start":1898.3351,"end":1962.27},{"sentences":[{"text":"Yeah.","start":1963.37,"end":1963.77,"sentiment":"neutral","sentiment_score":0.04779256880283356},{"text":"Market value is pretty much all I need.","start":1963.77,"end":1965.79,"sentiment":"neutral","sentiment_score":0.06102044088765979},{"text":"Well done.","start":1967.785,"end":1968.365,"sentiment":"neutral","sentiment_score":0.3172327131032944},{"text":"So from what I'm seeing, I think those ones have doubled in the last twelve months.","start":1969.145,"end":1972.765,"sentiment":"neutral","sentiment_score":0.1507321372628212},{"text":"There there you go.","start":1980.28,"end":1981.26,"sentiment":"neutral","sentiment_score":0.09840477630496025}],"sentiment":"neutral","sentiment_score":0.1282501555979252,"num_words":31,"start":1963.37,"end":1981.26},{"sentences":[{"text":"Not bad.","start":1981.9601,"end":1982.36,"sentiment":"neutral","sentiment_score":0.19663330912590027},{"text":"Not bad at all.","start":1982.36,"end":1983.42,"sentiment":"neutral","sentiment_score":0.12027356773614883},{"text":"Well, if there's anything to buy a year ago, that would have been one of the top five picks.","start":1992.2151,"end":1996.935,"sentiment":"neutral","sentiment_score":0.029858451958525142},{"text":"So Oh, yeah?","start":1996.935,"end":2007.37,"sentiment":"neutral","sentiment_score":-0.05699687575300535},{"text":"Fantastic.","start":2026.095,"end":2026.595,"sentiment":"neutral","sentiment_score":-0.0451352596282959}],"sentiment":"neutral","sentiment_score":0.04226019274210557,"num_words":29,"start":1981.9601,"end":2026.595},{"sentences":[{"text":"I haven't found it.","start":2026.735,"end":2027.615,"sentiment":"neutral","sentiment_score":-0.21811560913920403},{"text":"Just yeah.","start":2027.615,"end":2028.435,"sentiment":"neutral","sentiment_score":-0.06793645769357681},{"text":"Still looking.","start":2029.215,"end":2030.035,"sentiment":"neutral","sentiment_score":-0.06081809662282467},{"text":"Yeah.","start":2034.25,"end":2034.75,"sentiment":"neutral","sentiment_score":0.05717812106013298},{"text":"Very close to it.","start":2044.3049,"end":2045.6849,"sentiment":"neutral","sentiment_score":0.18773097917437553}],"sentiment":"neutral","sentiment_score":-0.02475919287938338,"num_words":13,"start":2026.735,"end":2045.6849},{"sentences":[{"text":"Yep.","start":2065.3599,"end":2065.8599,"sentiment":"neutral","sentiment_score":0.06048642098903656},{"text":"Yep.","start":2066.7998,"end":2067.2998,"sentiment":"neutral","sentiment_score":0.1164035052061081},{"text":"Yeah.","start":2090.4502,"end":2090.9502,"sentiment":"neutral","sentiment_score":0.1955293715000153},{"text":"It does.","start":2091.09,"end":2091.6501,"sentiment":"neutral","sentiment_score":0.25578728318214417},{"text":"It does.","start":2091.6501,"end":2091.97,"sentiment":"positive","sentiment_score":0.3377677947282791}],"sentiment":"neutral","sentiment_score":0.22278992193085806,"num_words":7,"start":2065.3599,"end":2091.97},{"sentences":[{"text":"It does.","start":2091.97,"end":2092.55,"sentiment":"positive","sentiment_score":0.3417888283729553},{"text":"Yeah.","start":2094.7349,"end":2095.055,"sentiment":"neutral","sentiment_score":0.20872992277145383},{"text":"That's definitely something that we we kind of specialize in.","start":2095.055,"end":2098.275,"sentiment":"neutral","sentiment_score":0.24210858047008516},{"text":"Do you know how much is kind of split between each of the accounts at the moment?","start":2098.335,"end":2101.9348,"sentiment":"neutral","sentiment_score":0.033623231465325636},{"text":"Would it be a few $100 each?","start":2101.9348,"end":2103.375,"sentiment":"neutral","sentiment_score":0.023281012528709004}],"sentiment":"neutral","sentiment_score":0.10940420018458688,"num_words":37,"start":2091.97,"end":2103.375},{"sentences":[{"text":"Or congratulations.","start":2103.375,"end":2110.45,"sentiment":"neutral","sentiment_score":0.27623606473207474},{"text":"Then he goes three weeks.","start":2118.365,"end":2119.825,"sentiment":"neutral","sentiment_score":0.07114834859967231},{"text":"Yeah.","start":2150.555,"end":2151.055,"sentiment":"neutral","sentiment_score":0.10857053101062776},{"text":"So I'm gonna give you two options here.","start":2157.61,"end":2161.55,"sentiment":"neutral","sentiment_score":-0.012766223633661866},{"text":"I don't want you to dive into it today.","start":2161.61,"end":2163.2102,"sentiment":"neutral","sentiment_score":-0.08832988805241054}],"sentiment":"neutral","sentiment_score":0.004787424877285958,"num_words":25,"start":2103.375,"end":2163.2102},{"sentences":[{"text":"I want you to kind of mull it over until our next chat, and we can sort of investigate it very, very specifically towards the end of the year as well.","start":2163.2102,"end":2172.575,"sentiment":"neutral","sentiment_score":0.08290290988741382},{"text":"So let's say you've got Hub twenty four Super.","start":2172.795,"end":2175.675,"sentiment":"neutral","sentiment_score":0.16941476033793557},{"text":"I'll use that as an example.","start":2175.675,"end":2177.055,"sentiment":"neutral","sentiment_score":0.18808198968569437},{"text":"You can open an investment account with Hub twenty four, sits alongside your login, and you can invest it into anything they've got on menu, whether that's term deposits, safe stuff, shares, property, golds.","start":2177.355,"end":2190.8699,"sentiment":"neutral","sentiment_score":0.27296478914863925},{"text":"They've got all the 1,300 options there for you.","start":2190.93,"end":2193.495,"sentiment":"positive","sentiment_score":0.3903184433778127}],"sentiment":"neutral","sentiment_score":0.20243689673167936,"num_words":89,"start":2163.2102,"end":2193.495},{"sentences":[{"text":"So you can go low risk, medium, high, whatever your whatever the goal is.","start":2193.495,"end":2197.675,"sentiment":"neutral","sentiment_score":0.31920534798077177},{"text":"So let's say you put it in that account, the same $30 a week or whatever it is, that can be built up and invested a little bit quicker than what the bank does.","start":2198.215,"end":2207.675,"sentiment":"neutral","sentiment_score":0.21096928023240147},{"text":"But the flip side is for hub twenty four specifically, they're usually good if you've got, like, $50 or above because of fees.","start":2209.12,"end":2219.14,"sentiment":"neutral","sentiment_score":0.15319946311090304},{"text":"Whereas that ETF that you bought for ACDC, once you've paid that brokerage, there's barely any fees to hold that.","start":2220.335,"end":2227.9548,"sentiment":"neutral","sentiment_score":0.07763582561165094},{"text":"So you buy an ETF direct through your Comsec account, NAB trade, whatever you're using.","start":2229.535,"end":2233.875,"sentiment":"neutral","sentiment_score":0.1658056745926539}],"sentiment":"neutral","sentiment_score":0.18118131775760427,"num_words":106,"start":2193.495,"end":2233.875},{"sentences":[{"text":"You pay a small brokerage.","start":2234.095,"end":2235.315,"sentiment":"neutral","sentiment_score":0.11057947278022766},{"text":"The fees ongoing fast, like, what, 0.1%, 0.2.","start":2235.57,"end":2239.1902,"sentiment":"neutral","sentiment_score":0.06895084027200937},{"text":"Whereas Hub could charge you, like, a 180, $360 flat fee a year to hold that whole platform.","start":2239.33,"end":2246.37,"sentiment":"neutral","sentiment_score":0.11467643765111764},{"text":"It's like the fanciest platform you can get is the Ferrari.","start":2246.37,"end":2248.95,"sentiment":"neutral","sentiment_score":0.22797967358068985},{"text":"So until it's a bigger balance, I wouldn't use those guys for that.","start":2250.615,"end":2254.555,"sentiment":"neutral","sentiment_score":-0.13513422241577736}],"sentiment":"neutral","sentiment_score":0.0712674814869057,"num_words":55,"start":2234.095,"end":2254.555},{"sentences":[{"text":"But it is a way of investing and picking and choosing anything and getting a bit more than the bank interest.","start":2255.495,"end":2260.7952,"sentiment":"neutral","sentiment_score":0.072653189124096},{"text":"Reason why I wouldn't do it today, not just the fees, is because the bank interest is decent.","start":2262.39,"end":2266.0898,"sentiment":"neutral","sentiment_score":0.11763160924116771},{"text":"Like, I know $7 a month isn't much, but a guaranteed five or 6% as opposed to a high risk eight or 9% given the market.","start":2266.15,"end":2274.5698,"sentiment":"neutral","sentiment_score":0.0810179250458112},{"text":"The opportunity cost isn't looking too good at the moment compared to when interest rates were zero, and you could still get 10% in the market.","start":2274.95,"end":2282.725,"sentiment":"neutral","sentiment_score":0.2072391796570558},{"text":"Does that make sense?","start":2284.065,"end":2285.125,"sentiment":"neutral","sentiment_score":0.08227531798183918}],"sentiment":"neutral","sentiment_score":0.12070391507525192,"num_words":95,"start":2255.495,"end":2285.125},{"sentences":[{"text":"Yep.","start":2285.585,"end":2286.065,"sentiment":"neutral","sentiment_score":0.10122784227132796},{"text":"The other thing I wanna look at down the line is they've got things called child builder bonds.","start":2286.065,"end":2291.2852,"sentiment":"neutral","sentiment_score":0.06388293972445859},{"text":"What it is is you can pick investments in there too, but it's a it's a tax paid investment.","start":2292.8801,"end":2298.18,"sentiment":"neutral","sentiment_score":0.10014933739837847},{"text":"So let's say you put that $30 a week into it.","start":2298.32,"end":2300.56,"sentiment":"neutral","sentiment_score":0.12157741663130847},{"text":"You can start with $5.","start":2300.56,"end":2302.16,"sentiment":"neutral","sentiment_score":0.13394246846437455}],"sentiment":"neutral","sentiment_score":0.09557448320642666,"num_words":54,"start":2285.585,"end":2302.16},{"sentences":[{"text":"You can start with a low amount.","start":2302.16,"end":2303.7,"sentiment":"neutral","sentiment_score":0.23239522746631078},{"text":"Once you've held it for 10, it becomes, I guess, tax paid, tax free.","start":2304.0,"end":2309.155,"sentiment":"neutral","sentiment_score":0.23818410294396536},{"text":"So in the 18, you can hand these funds across to them, and they're not gonna cop a big capital gains tax out of them.","start":2309.155,"end":2317.495,"sentiment":"neutral","sentiment_score":0.2534171187877655},{"text":"So you kind of pay for the tax for the first ten years.","start":2318.21,"end":2321.3298,"sentiment":"neutral","sentiment_score":0.17329458777721113},{"text":"If you hold it for eighteen, you're really sweet when you hand it over to them for a house deposit or whatever it is.","start":2321.3298,"end":2327.19,"sentiment":"positive","sentiment_score":0.4447372617820899}],"sentiment":"neutral","sentiment_score":0.2918469388800931,"num_words":83,"start":2302.16,"end":2327.19},{"sentences":[{"text":"Yeah.","start":2329.5698,"end":2330.0498,"sentiment":"neutral","sentiment_score":0.04451053589582443},{"text":"So two different options there.","start":2330.0498,"end":2333.315,"sentiment":"neutral","sentiment_score":0.04182873964309693},{"text":"Let you do your $30 a week for the time being.","start":2333.535,"end":2335.855,"sentiment":"neutral","sentiment_score":0.09319973262873563},{"text":"But next time I speak to you, I'll kind of crunch some numbers.","start":2335.855,"end":2338.7551,"sentiment":"neutral","sentiment_score":-0.007411897289924896},{"text":"We'll have a look at it.","start":2338.895,"end":2340.095,"sentiment":"neutral","sentiment_score":0.05632843946417173}],"sentiment":"neutral","sentiment_score":0.042235201806761324,"num_words":36,"start":2329.5698,"end":2340.095},{"sentences":[{"text":"And if we wanna jump into that, we can.","start":2340.095,"end":2342.275,"sentiment":"neutral","sentiment_score":0.07072031580739552},{"text":"Right now, all that's gonna happen if I did it for you today, you get charged some fees to go in.","start":2342.895,"end":2348.58,"sentiment":"neutral","sentiment_score":-0.1291109628620602},{"text":"Stock market starts plummeting because the war is going on, and that few grand starts going down.","start":2348.64,"end":2353.28,"sentiment":"negative","sentiment_score":-0.4619547531885259},{"text":"It's just not the right time.","start":2353.28,"end":2354.74,"sentiment":"negative","sentiment_score":-0.46699996292591095},{"text":"Split it up.","start":2375.79,"end":2376.69,"sentiment":"neutral","sentiment_score":-0.09219428400198619}],"sentiment":"neutral","sentiment_score":-0.23226180020719767,"num_words":56,"start":2340.095,"end":2376.69},{"sentences":[{"text":"Yeah.","start":2388.9248,"end":2389.325,"sentiment":"neutral","sentiment_score":0.012983462773263454},{"text":"Free accounts is fine.","start":2389.325,"end":2390.625,"sentiment":"neutral","sentiment_score":0.05684533016756177},{"text":"It's just about, like, fees.","start":2392.845,"end":2394.525,"sentiment":"neutral","sentiment_score":-0.029770073294639588},{"text":"If you're paying fees for the accounts, just be careful there.","start":2394.525,"end":2397.03,"sentiment":"neutral","sentiment_score":-0.055253297767855904},{"text":"If it's those low fee savers.","start":2397.51,"end":2399.45,"sentiment":"neutral","sentiment_score":0.008964436439176401}],"sentiment":"neutral","sentiment_score":-0.0171290829570757,"num_words":27,"start":2388.9248,"end":2399.45},{"sentences":[{"text":"Yep.","start":2416.885,"end":2417.385,"sentiment":"neutral","sentiment_score":0.094422847032547},{"text":"Perfect.","start":2417.6848,"end":2418.1848,"sentiment":"positive","sentiment_score":0.638858437538147},{"text":"The same one that I use as well.","start":2418.2449,"end":2420.025,"sentiment":"neutral","sentiment_score":0.27237791009247303},{"text":"Amazing.","start":2427.78,"end":2428.28,"sentiment":"positive","sentiment_score":0.6028170585632324},{"text":"So let you do that.","start":2428.58,"end":2431.08,"sentiment":"neutral","sentiment_score":0.2865964561700821}],"sentiment":"neutral","sentiment_score":0.30925649404525757,"num_words":16,"start":2416.885,"end":2431.08},{"sentences":[{"text":"Once we've got a bit more certainty on what's going on in the world, I'll show you a few different Matt, I would love to dive into that with you.","start":2431.1401,"end":2437.365,"sentiment":"neutral","sentiment_score":0.2651494279503822},{"text":"That's brilliant.","start":2437.365,"end":2438.105,"sentiment":"positive","sentiment_score":0.660852462053299},{"text":"Yeah.","start":2450.3398,"end":2450.58,"sentiment":"neutral","sentiment_score":0.06709888577461243},{"text":"Correct.","start":2450.58,"end":2450.98,"sentiment":"neutral","sentiment_score":0.08687123656272888},{"text":"So if we do no.","start":2450.98,"end":2454.68,"sentiment":"neutral","sentiment_score":0.03273396864533425}],"sentiment":"neutral","sentiment_score":0.2459955827738994,"num_words":39,"start":2431.1401,"end":2454.68},{"sentences":[{"text":"No.","start":2455.94,"end":2456.26,"sentiment":"neutral","sentiment_score":-0.012949664145708084},{"text":"So when it comes to, like, those bonds, for example, with the lower amounts, we set it up and I'll incorporate it in the annual reviews, And we don't really even charge anything ongoing to look after that.","start":2456.26,"end":2467.0852,"sentiment":"neutral","sentiment_score":0.0564803185039445},{"text":"If we do the big, you know, $50 in hub trying to build it up to 500, we do charge to manage it like we do for the super.","start":2467.3052,"end":2475.0852,"sentiment":"neutral","sentiment_score":0.09164250821902833},{"text":"But either one, we're not just gonna set it and forget it.","start":2475.3052,"end":2479.45,"sentiment":"neutral","sentiment_score":0.049493019158641495},{"text":"Cool.","start":2480.95,"end":2481.35,"sentiment":"neutral","sentiment_score":0.24443253874778748}],"sentiment":"neutral","sentiment_score":0.06949733266675914,"num_words":81,"start":2455.94,"end":2481.35},{"sentences":[{"text":"No.","start":2481.35,"end":2481.59,"sentiment":"neutral","sentiment_score":0.16426321864128113},{"text":"Great question.","start":2481.59,"end":2482.07,"sentiment":"positive","sentiment_score":0.43226078152656555},{"text":"That's awesome.","start":2482.07,"end":2482.63,"sentiment":"positive","sentiment_score":0.700628250837326},{"text":"I'll put it down on the file as a future goal.","start":2482.63,"end":2484.97,"sentiment":"neutral","sentiment_score":0.06429337981072339},{"text":"Alright.","start":2501.62,"end":2502.02,"sentiment":"neutral","sentiment_score":0.31562358140945435}],"sentiment":"neutral","sentiment_score":0.20311129662920446,"num_words":17,"start":2481.35,"end":2502.02},{"sentences":[{"text":"So that's my favorite.","start":2502.02,"end":2503.06,"sentiment":"positive","sentiment_score":0.5270647630095482},{"text":"And, yeah, anytime that something like that pops up, give us a buzz.","start":2503.06,"end":2506.1,"sentiment":"neutral","sentiment_score":0.32243648859170765},{"text":"I've already made a note so next time I talk to you, we can go over a similar deal.","start":2506.1,"end":2510.42,"sentiment":"neutral","sentiment_score":0.16843755935367785},{"text":"And, yeah, mate, we we basically specialize in trying to get people into different life stages.","start":2510.42,"end":2516.105,"sentiment":"neutral","sentiment_score":0.09500913880765438},{"text":"You start simple, get your budgeting, get your house, get your super, and then we start going, hey.","start":2516.325,"end":2520.885,"sentiment":"neutral","sentiment_score":0.1458950742251343}],"sentiment":"neutral","sentiment_score":0.19495006554893085,"num_words":70,"start":2502.02,"end":2520.885},{"sentences":[{"text":"Let's invest for the kids.","start":2520.885,"end":2522.2651,"sentiment":"neutral","sentiment_score":0.11811905950307847},{"text":"Let's do some of this.","start":2522.485,"end":2523.7651,"sentiment":"neutral","sentiment_score":0.1164393201470375},{"text":"Eventually, once you've got assets, what's your estate plan?","start":2523.7651,"end":2526.805,"sentiment":"neutral","sentiment_score":0.06544170156121254},{"text":"Let's get some trust involved.","start":2526.805,"end":2528.2651,"sentiment":"neutral","sentiment_score":0.0575992114841938},{"text":"Borrow if you need to.","start":2529.0999,"end":2530.22,"sentiment":"neutral","sentiment_score":0.06254483237862588}],"sentiment":"neutral","sentiment_score":0.08146508384881349,"num_words":29,"start":2520.885,"end":2530.22},{"sentences":[{"text":"All these things come into play over the years as long as you're able to step through that alongside us.","start":2530.22,"end":2535.3599,"sentiment":"neutral","sentiment_score":0.09768645465373993},{"text":"Yeah.","start":2561.85,"end":2562.35,"sentiment":"neutral","sentiment_score":0.020774543285369873},{"text":"That's awesome.","start":2563.77,"end":2564.41,"sentiment":"positive","sentiment_score":0.5315664112567902},{"text":"I've got it noted down.","start":2564.41,"end":2565.21,"sentiment":"neutral","sentiment_score":0.10517902672290802},{"text":"We got the ETFs there.","start":2565.21,"end":2566.17,"sentiment":"neutral","sentiment_score":0.07734474539756775}],"sentiment":"neutral","sentiment_score":0.11970470665079175,"num_words":33,"start":2530.22,"end":2566.17},{"sentences":[{"text":"We've got the bank accounts for the kids, the land, the home, the car, the savings.","start":2566.17,"end":2570.645,"sentiment":"neutral","sentiment_score":0.11089879414066672},{"text":"So you're doing everything right and really good to see.","start":2570.865,"end":2575.0452,"sentiment":"positive","sentiment_score":0.5820662550628185},{"text":"Super's tracking along nicely.","start":2575.3452,"end":2577.0452,"sentiment":"positive","sentiment_score":0.7817394584417343},{"text":"The insurance is good to go as long as you're okay for that premium on the twenty seventh.","start":2577.425,"end":2581.685,"sentiment":"positive","sentiment_score":0.4152238931920793},{"text":"Cool.","start":2586.7698,"end":2587.2698,"sentiment":"neutral","sentiment_score":0.18521584570407867}],"sentiment":"positive","sentiment_score":0.3751274900776999,"num_words":49,"start":2566.17,"end":2587.2698},{"sentences":[{"text":"The last thing I was looking at, just estate planning wise, it's probably obviously not the most impressing thing right today, but just getting a will in place, power of attorney, will, that kind of stuff.","start":2590.21,"end":2602.9849,"sentiment":"neutral","sentiment_score":-0.009351633773702715},{"text":"It's our our yearly reminder, but I guess the the information that I like to pass on to people is is kind of three easy ways to do it.","start":2622.9949,"end":2631.36,"sentiment":"neutral","sentiment_score":0.11228632387416117},{"text":"You can call up a local solicitor and put in place a basic will and a power of attorney.","start":2631.52,"end":2637.1401,"sentiment":"neutral","sentiment_score":0.0725192223724566},{"text":"The public trustee of every state, you know, like the courthouse, they also do appointments, wills, powers of attorney as well.","start":2638.56,"end":2645.985,"sentiment":"neutral","sentiment_score":0.07348862432298206},{"text":"And if you're that way inclined, you can even get a $25 will kit from the post office.","start":2646.145,"end":2650.965,"sentiment":"neutral","sentiment_score":0.11193421565824085}],"sentiment":"neutral","sentiment_score":0.06386655930247975,"num_words":123,"start":2590.21,"end":2650.965},{"sentences":[{"text":"When when it's just mortgage, lands, that kind of thing, it's pretty easy to do.","start":2654.5452,"end":2659.95,"sentiment":"neutral","sentiment_score":0.08887599085768064},{"text":"Now that you're starting to branch out, you might wanna be a bit careful with it because if you've got shares, bank accounts that you wanna go different ways, you can get a bit more specific on it.","start":2660.1099,"end":2669.23,"sentiment":"neutral","sentiment_score":0.013069629571155497},{"text":"So you just gotta be the more you build these different things up, the more careful and complex it gets.","start":2669.23,"end":2675.01,"sentiment":"neutral","sentiment_score":-0.015689930971711875},{"text":"But the basic ones are easy to do, and then you can just update them every couple of years if you need to once you get everything else running.","start":2676.345,"end":2683.245,"sentiment":"neutral","sentiment_score":0.21516402065753937},{"text":"No.","start":2695.88,"end":2696.38,"sentiment":"neutral","sentiment_score":-0.06422331929206848}],"sentiment":"neutral","sentiment_score":0.07467495579525683,"num_words":103,"start":2654.5452,"end":2696.38},{"sentences":[{"text":"And one of the main things that I find, like, really important for our age is, like, when it comes to a power of attorney, right, if you're in hospital and you can't act on your own behalf, if you've got bank accounts in your name and your partner has to go to the courts and sue for probate to try and get access to the bank accounts to pay the mortgage, that's a pain.","start":2701.0151,"end":2722.02,"sentiment":"neutral","sentiment_score":-0.07217932693660259},{"text":"Who can talk to the doctors on your behalf?","start":2723.28,"end":2725.28,"sentiment":"neutral","sentiment_score":-0.07813095922271411},{"text":"You can't do anything so that you you know, trying to call the bank up.","start":2725.28,"end":2728.415,"sentiment":"neutral","sentiment_score":-0.12611192365487417},{"text":"Hey.","start":2728.415,"end":2728.655,"sentiment":"neutral","sentiment_score":-0.03783334791660309},{"text":"Look.","start":2728.655,"end":2728.815,"sentiment":"neutral","sentiment_score":-0.05287305265665054}],"sentiment":"neutral","sentiment_score":-0.08018825157075235,"num_words":101,"start":2701.0151,"end":2728.815},{"sentences":[{"text":"You've got all this money sitting there.","start":2728.815,"end":2730.015,"sentiment":"neutral","sentiment_score":-0.07901307195425034},{"text":"We're trying to pay the mortgage.","start":2730.015,"end":2730.975,"sentiment":"neutral","sentiment_score":-0.07517082865039508},{"text":"They go, yeah.","start":2730.975,"end":2731.535,"sentiment":"neutral","sentiment_score":-0.05238658810655276},{"text":"No.","start":2731.535,"end":2731.935,"sentiment":"neutral","sentiment_score":-0.1079315021634102},{"text":"Where's your court order?","start":2731.935,"end":2732.735,"sentiment":"neutral","sentiment_score":-0.10518588870763779}],"sentiment":"neutral","sentiment_score":-0.08047387128074963,"num_words":21,"start":2728.815,"end":2732.735},{"sentences":[{"text":"Blah blah blah blah blah.","start":2732.735,"end":2733.855,"sentiment":"neutral","sentiment_score":-0.10627109557390213},{"text":"It just makes things easier on them.","start":2733.855,"end":2736.275,"sentiment":"neutral","sentiment_score":-0.02783889855657305},{"text":"Oh, Joey.","start":2752.845,"end":2760.065,"sentiment":"neutral","sentiment_score":0.048059701919555664},{"text":"Awesome, mate.","start":2762.925,"end":2763.485,"sentiment":"positive","sentiment_score":0.5131061226129532},{"text":"No.","start":2763.485,"end":2763.725,"sentiment":"neutral","sentiment_score":0.3225109577178955}],"sentiment":"neutral","sentiment_score":0.04227146111867007,"num_words":17,"start":2732.735,"end":2763.725},{"sentences":[{"text":"That's really good to hear.","start":2763.725,"end":2764.865,"sentiment":"positive","sentiment_score":0.42584688663482667},{"text":"Mate, that's pretty much everything I had for the review so far.","start":2766.46,"end":2769.4202,"sentiment":"positive","sentiment_score":0.3729272087415059},{"text":"Everything is just going really well.","start":2769.4202,"end":2771.02,"sentiment":"positive","sentiment_score":0.541567067305247},{"text":"Most people are in a bit of a world of hurt at the moment, so I'm glad to see that you're in a positive space.","start":2771.02,"end":2776.24,"sentiment":"neutral","sentiment_score":0.12563710659742355},{"text":"Yeah.","start":2785.275,"end":2785.775,"sentiment":"neutral","sentiment_score":0.06245803460478783}],"sentiment":"neutral","sentiment_score":0.26647242941722576,"num_words":49,"start":2763.725,"end":2785.775},{"sentences":[{"text":"Yeah.","start":2798.6501,"end":2799.05,"sentiment":"neutral","sentiment_score":0.07702948153018951},{"text":"Yep.","start":2799.05,"end":2799.55,"sentiment":"neutral","sentiment_score":0.17776742577552795},{"text":"Easy done.","start":2801.4502,"end":2802.25,"sentiment":"positive","sentiment_score":0.37142203748226166},{"text":"So what I might do if it's, yeah, go for it.","start":2802.25,"end":2805.935,"sentiment":"neutral","sentiment_score":0.06606023792516101},{"text":"Does that mean that you're technically trade qualified currently?","start":2820.0,"end":2823.22,"sentiment":"neutral","sentiment_score":0.003966174554079771}],"sentiment":"neutral","sentiment_score":0.07333329876807208,"num_words":24,"start":2798.6501,"end":2823.22},{"sentences":[{"text":"Gotcha.","start":2830.175,"end":2830.675,"sentiment":"neutral","sentiment_score":-0.021575605496764183},{"text":"Yep.","start":2864.8599,"end":2865.3599,"sentiment":"neutral","sentiment_score":0.03959812968969345},{"text":"Yeah.","start":2890.97,"end":2891.29,"sentiment":"neutral","sentiment_score":0.19557154178619385},{"text":"Exactly right.","start":2891.29,"end":2892.35,"sentiment":"neutral","sentiment_score":0.3195146918296814},{"text":"Like, bucket companies and trusts and all kinds of stuff.","start":2911.2249,"end":2914.14,"sentiment":"neutral","sentiment_score":0.0008100369945168497}],"sentiment":"neutral","sentiment_score":0.057381587972243624,"num_words":15,"start":2830.175,"end":2914.14},{"sentences":[{"text":"A little bit.","start":2922.22,"end":2922.8599,"sentiment":"neutral","sentiment_score":0.04027868062257767},{"text":"A little bit.","start":2922.8599,"end":2923.5,"sentiment":"neutral","sentiment_score":0.04856491213043531},{"text":"So we we go through all of the strategies with everybody, and we can kind of step you through it.","start":2923.5,"end":2929.985,"sentiment":"neutral","sentiment_score":0.21475975699722766},{"text":"But, obviously, when you go into all this stuff, you need a good account.","start":2929.985,"end":2933.205,"sentiment":"neutral","sentiment_score":0.10248383560350963},{"text":"So what tends to happen is when you first start off on your own, you get your ABN, your subcontract, you go and get the first invoices, and so on.","start":2934.5452,"end":2941.685,"sentiment":"neutral","sentiment_score":0.15937814017136892}],"sentiment":"neutral","sentiment_score":0.15396919745419707,"num_words":70,"start":2922.22,"end":2941.685},{"sentences":[{"text":"You pretty well spend that first possibly three to five years just building up your your cash flow, getting used to being GST registered, doing your BAS statement, all that kind of stuff.","start":2942.02,"end":2953.4802,"sentiment":"neutral","sentiment_score":0.3007841670151913},{"text":"Pretty much.","start":2954.275,"end":2954.835,"sentiment":"neutral","sentiment_score":0.20122915506362915},{"text":"Pretty much.","start":2954.835,"end":2955.395,"sentiment":"neutral","sentiment_score":0.10122518986463547},{"text":"So that's how you start it.","start":2955.395,"end":2958.035,"sentiment":"neutral","sentiment_score":0.17163246124982834},{"text":"And then eventually, once things go smooth and you used to have a taxes work and you do your tax returns and all that kind of thing, you then start going, okay.","start":2958.035,"end":2965.395,"sentiment":"neutral","sentiment_score":0.18575749173760414}],"sentiment":"neutral","sentiment_score":0.2333976093928019,"num_words":75,"start":2942.02,"end":2965.395},{"sentences":[{"text":"Well, I need to start paying myself some super.","start":2965.395,"end":2967.415,"sentiment":"neutral","sentiment_score":0.06274598878290918},{"text":"So you either do some contributions in and claim them manually, which we help with, or you pay yourself wages from your company and super on top like your current employer does.","start":2967.69,"end":2979.945,"sentiment":"neutral","sentiment_score":0.1621140670031309},{"text":"Once you've got that once you've got that, then you start branching into a k building company, trust, and then income splitting between spouse, children when they're a bit older.","start":2981.5452,"end":2996.6401,"sentiment":"neutral","sentiment_score":0.05820856906163196},{"text":"So think of it as like a 15 year plan.","start":2998.3801,"end":3002.1602,"sentiment":"neutral","sentiment_score":0.035321456380188465},{"text":"Yeah.","start":3003.9802,"end":3004.4802,"sentiment":"neutral","sentiment_score":0.06845827400684357}],"sentiment":"neutral","sentiment_score":0.09658895064395194,"num_words":82,"start":2965.395,"end":3004.4802},{"sentences":[{"text":"Yeah.","start":3023.8499,"end":3024.17,"sentiment":"neutral","sentiment_score":0.10126830637454988},{"text":"It's all about, like I keep saying, stepping through those different stages.","start":3024.17,"end":3027.7898,"sentiment":"neutral","sentiment_score":0.11620005282262962},{"text":"That first bit as a sole trader takes some getting used to and, like you said, getting some some stability on the cash flow side of things.","start":3028.01,"end":3035.155,"sentiment":"neutral","sentiment_score":0.11306999816938683},{"text":"And then you start going a bit more into structures, entities, and all that kind of thing.","start":3035.375,"end":3040.175,"sentiment":"neutral","sentiment_score":0.06769204928594477},{"text":"And it's really, really good if your wife starts getting involved in the business, the children get old enough, all that kind of thing.","start":3040.175,"end":3047.5498,"sentiment":"neutral","sentiment_score":0.277583754931887}],"sentiment":"neutral","sentiment_score":0.1526090598400728,"num_words":81,"start":3023.8499,"end":3047.5498},{"sentences":[{"text":"So, again, think of it as like, what, you're mid thirties now.","start":3047.5498,"end":3051.5698,"sentiment":"neutral","sentiment_score":0.12272070658703645},{"text":"You may, over the next few years, go out on your own, and then you're building it up through your forties.","start":3051.7898,"end":3056.5898,"sentiment":"neutral","sentiment_score":0.17584723447050368},{"text":"You start branching out into these things, late forties, really successful in your fifties.","start":3056.5898,"end":3061.485,"sentiment":"neutral","sentiment_score":0.30312380620411467},{"text":"Everyone's involved.","start":3061.865,"end":3062.925,"sentiment":"positive","sentiment_score":0.4036223888397217},{"text":"You've got assets.","start":3063.065,"end":3063.945,"sentiment":"positive","sentiment_score":0.3677779237429301}],"sentiment":"neutral","sentiment_score":0.21768754305174717,"num_words":52,"start":3047.5498,"end":3063.945},{"sentences":[{"text":"You've got all these kinds of things.","start":3063.945,"end":3065.565,"sentiment":"neutral","sentiment_score":0.29542821432862965},{"text":"It is really a whole life plan, and we just do it one one year at a time.","start":3065.945,"end":3070.445,"sentiment":"positive","sentiment_score":0.4497593459155824},{"text":"Or you just keep working forever.","start":3076.2798,"end":3077.98,"sentiment":"neutral","sentiment_score":-0.29033611963192624},{"text":"Yeah.","start":3078.5198,"end":3079.0198,"sentiment":"neutral","sentiment_score":0.009085416793823242},{"text":"Get the fuel card.","start":3079.4,"end":3080.5398,"sentiment":"neutral","sentiment_score":-0.1344973398372531}],"sentiment":"neutral","sentiment_score":0.21924291851205957,"num_words":36,"start":3063.945,"end":3080.5398},{"sentences":[{"text":"Yep.","start":3093.415,"end":3093.915,"sentiment":"neutral","sentiment_score":0.061223506927490234},{"text":"Or try it yourself.","start":3105.99,"end":3107.21,"sentiment":"neutral","sentiment_score":0.00002733338624238968},{"text":"Yeah.","start":3119.685,"end":3120.185,"sentiment":"neutral","sentiment_score":0.02111403271555901},{"text":"And look, trade is a still demand everywhere.","start":3120.565,"end":3124.15,"sentiment":"neutral","sentiment_score":0.0541217434220016},{"text":"And before this happened, materials were expensive, and every trading I know and every trade has been booked out like crazy.","start":3124.2898,"end":3131.0898,"sentiment":"neutral","sentiment_score":-0.02917422478397687}],"sentiment":"neutral","sentiment_score":-0.002778225711413792,"num_words":35,"start":3093.415,"end":3131.0898},{"sentences":[{"text":"So, like, the opportunity in Australia is always there.","start":3131.0898,"end":3134.3098,"sentiment":"neutral","sentiment_score":0.16942018270492554},{"text":"But is it the right time now if you can cool the jets for twelve months and see how things blow over?","start":3134.615,"end":3139.9148,"sentiment":"neutral","sentiment_score":0.1138982589949261},{"text":"Might be the right time next year.","start":3140.2148,"end":3141.835,"sentiment":"neutral","sentiment_score":0.11697448577199664},{"text":"Yep.","start":3154.47,"end":3154.97,"sentiment":"neutral","sentiment_score":0.1802124381065369},{"text":"Yeah.","start":3164.405,"end":3164.645,"sentiment":"neutral","sentiment_score":-0.013695565983653069}],"sentiment":"neutral","sentiment_score":0.1253970403689891,"num_words":40,"start":3131.0898,"end":3164.645},{"sentences":[{"text":"And then you've got to try and get through some temptations because the moment these guys go self employed and they start earning a couple $100, everybody's like, I'm gonna get a tax deduction for buying another ute, and everyone's got the Forester and the and the this and the that, and they're buying a $60,000 car every couple of years, and the accountant's telling them to calm down.","start":3164.645,"end":3183.45,"sentiment":"neutral","sentiment_score":-0.06842187057802643},{"text":"And but it's just, again, working through those things until you know you're stable, you're mature about it, and you're you've got your plan, your direction.","start":3183.45,"end":3192.485,"sentiment":"neutral","sentiment_score":0.0949669205225431},{"text":"So, yes, we help with all of that.","start":3192.485,"end":3194.345,"sentiment":"neutral","sentiment_score":0.2886865194886923},{"text":"We need a good accountant alongside you when you go to do that because we can't do the entity setups, the tax returns, and that type of advice and planning.","start":3194.485,"end":3203.225,"sentiment":"neutral","sentiment_score":0.05056966623912255},{"text":"Yeah.","start":3204.9402,"end":3205.34,"sentiment":"neutral","sentiment_score":0.08707380294799805}],"sentiment":"neutral","sentiment_score":0.012400647833832164,"num_words":134,"start":3164.645,"end":3205.34},{"sentences":[{"text":"Yep.","start":3205.34,"end":3205.58,"sentiment":"neutral","sentiment_score":0.07693527638912201},{"text":"So we work in tandem together when the time is right.","start":3205.58,"end":3208.8,"sentiment":"neutral","sentiment_score":0.11162187700921838},{"text":"Fantastic.","start":3217.195,"end":3217.675,"sentiment":"positive","sentiment_score":0.6726096868515015},{"text":"Fantastic.","start":3217.675,"end":3218.175,"sentiment":"positive","sentiment_score":0.6326789259910583},{"text":"The last thing I was gonna let you know is you've already signed the service agreement with us.","start":3218.955,"end":3224.575,"sentiment":"neutral","sentiment_score":0.20230990938014454}],"sentiment":"neutral","sentiment_score":0.19536384078674018,"num_words":32,"start":3205.34,"end":3224.575},{"sentences":[{"text":"So you're up for review around about all this time.","start":3225.915,"end":3229.535,"sentiment":"neutral","sentiment_score":0.11019397154450417},{"text":"I'm thinking all I'm gonna do is I'm gonna set for, like, maybe a three month catch up for you, and we can talk through the investing side of things, see how everything's going with the markets.","start":3231.11,"end":3241.6902,"sentiment":"neutral","sentiment_score":0.07548344950820948},{"text":"Once you get a renewal notice for your insurances around October, we can keep an eye on the prices and kinda go from there if that's alright.","start":3243.105,"end":3250.645,"sentiment":"neutral","sentiment_score":0.08580767321917745},{"text":"Like, the only thing that I've sent you in that pack to sign, if you're comfortable, we're we're pretty careful with tax file numbers these days after all the cybersecurity issues last year in in the country, you know, all the Optus leaking data and all this kind of thing.","start":3255.76,"end":3272.209,"sentiment":"neutral","sentiment_score":0.026966501660645008},{"text":"So we've got basically tax file number opt in forms.","start":3272.209,"end":3275.6736,"sentiment":"neutral","sentiment_score":0.04878264293074608}],"sentiment":"neutral","sentiment_score":0.06005810475004698,"num_words":134,"start":3225.915,"end":3275.6736},{"sentences":[{"text":"So instead of holding your tax file number on a bunch of digital systems, it's just one form.","start":3275.6736,"end":3281.91,"sentiment":"neutral","sentiment_score":0.04946477597372399},{"text":"And if you're okay to consent to that, we'd rather just have it there than everywhere else, but we want your consent because it's your most important number.","start":3281.91,"end":3289.53,"sentiment":"neutral","sentiment_score":0.0627240694261023},{"text":"Yeah.","start":3295.125,"end":3295.445,"sentiment":"neutral","sentiment_score":0.0764412134885788},{"text":"And it should say option to provide tax file number.","start":3295.445,"end":3298.345,"sentiment":"neutral","sentiment_score":0.07444497868418694},{"text":"Number's already in there.","start":3298.885,"end":3300.345,"sentiment":"neutral","sentiment_score":0.08515742048621178}],"sentiment":"neutral","sentiment_score":0.062428862192347404,"num_words":61,"start":3275.6736,"end":3300.345},{"sentences":[{"text":"It's just got signature name and date in there, and that's the only thing to sign in this pack.","start":3300.405,"end":3305.605,"sentiment":"neutral","sentiment_score":0.11937219453485388},{"text":"Everything else is just for you to keep for your super your insurances.","start":3305.605,"end":3308.745,"sentiment":"neutral","sentiment_score":0.11658856444633924},{"text":"Lovely.","start":3312.7,"end":3313.2,"sentiment":"positive","sentiment_score":0.5306774377822876},{"text":"Did it let you change it?","start":3322.395,"end":3323.855,"sentiment":"neutral","sentiment_score":-0.028919004524747532},{"text":"Because this is a system that we've gotten kind of built for us.","start":3325.435,"end":3328.735,"sentiment":"neutral","sentiment_score":0.005788815351059804}],"sentiment":"neutral","sentiment_score":0.08107963546465796,"num_words":52,"start":3300.405,"end":3328.735},{"sentences":[{"text":"So when it comes to us, we're fine for that.","start":3336.17,"end":3338.67,"sentiment":"neutral","sentiment_score":0.06756978817284107},{"text":"That type of signature is fine.","start":3338.73,"end":3340.43,"sentiment":"neutral","sentiment_score":0.04223671307166418},{"text":"Gotcha.","start":3344.25,"end":3344.75,"sentiment":"neutral","sentiment_score":0.019009290263056755},{"text":"Or you can draw.","start":3344.89,"end":3345.95,"sentiment":"neutral","sentiment_score":0.011526143178343773},{"text":"Yeah.","start":3349.695,"end":3350.015,"sentiment":"neutral","sentiment_score":0.004333182238042355}],"sentiment":"neutral","sentiment_score":0.04538932751694864,"num_words":22,"start":3336.17,"end":3350.015},{"sentences":[{"text":"Upload a file or something.","start":3350.015,"end":3351.635,"sentiment":"neutral","sentiment_score":0.0051681648939847944},{"text":"Yeah.","start":3351.855,"end":3352.355,"sentiment":"neutral","sentiment_score":0.026855606585741043},{"text":"Yeah.","start":3355.215,"end":3355.535,"sentiment":"neutral","sentiment_score":0.06865517795085907},{"text":"Auto is fine for us.","start":3355.535,"end":3356.655,"sentiment":"neutral","sentiment_score":0.08026976734399796},{"text":"It's just when we're sending things through to a super fund or an insurer, generally, you need to draw it on there.","start":3356.655,"end":3361.635,"sentiment":"neutral","sentiment_score":-0.001958637328987772}],"sentiment":"neutral","sentiment_score":0.014106188955552438,"num_words":34,"start":3350.015,"end":3361.635},{"sentences":[{"text":"Otherwise, they might not accept it.","start":3362.27,"end":3363.71,"sentiment":"neutral","sentiment_score":-0.13506742691000304},{"text":"So for us, that's totally fine.","start":3363.71,"end":3365.57,"sentiment":"neutral","sentiment_score":0.06611481898774703},{"text":"Yeah.","start":3366.83,"end":3367.33,"sentiment":"neutral","sentiment_score":-0.004967428743839264},{"text":"No.","start":3367.79,"end":3368.03,"sentiment":"neutral","sentiment_score":-0.03559674695134163},{"text":"That one's totally fine.","start":3368.03,"end":3369.41,"sentiment":"neutral","sentiment_score":0.04433286702260375}],"sentiment":"neutral","sentiment_score":-0.015386019729905658,"num_words":18,"start":3362.27,"end":3369.41},{"sentences":[{"text":"Beautiful.","start":3376.125,"end":3376.5251,"sentiment":"positive","sentiment_score":0.6720419526100159},{"text":"Right?","start":3376.5251,"end":3377.0251,"sentiment":"neutral","sentiment_score":0.3028203248977661},{"text":"Alright.","start":3377.405,"end":3377.885,"sentiment":"neutral","sentiment_score":0.19996726512908936},{"text":"It should also pop up then to download the signed copy for yourself.","start":3377.885,"end":3382.5452,"sentiment":"neutral","sentiment_score":0.2150853047004113},{"text":"And that email itself, all of that review pack is basically PDF attachments just like a normal email.","start":3386.22,"end":3392.24,"sentiment":"neutral","sentiment_score":0.03740838418404261}],"sentiment":"neutral","sentiment_score":0.13659674761926427,"num_words":34,"start":3376.125,"end":3392.24},{"sentences":[{"text":"Perfect.","start":3405.275,"end":3405.755,"sentiment":"positive","sentiment_score":0.5104969143867493},{"text":"Alright.","start":3405.755,"end":3406.075,"sentiment":"neutral","sentiment_score":0.3024447560310364},{"text":"And that's come through perfect back to us.","start":3406.075,"end":3408.6548,"sentiment":"positive","sentiment_score":0.5333418622612953},{"text":"And done.","start":3409.1948,"end":3410.315,"sentiment":"neutral","sentiment_score":0.26818985491991043},{"text":"Alright.","start":3410.315,"end":3410.6348,"sentiment":"neutral","sentiment_score":0.10442452877759932}],"sentiment":"positive","sentiment_score":0.44003698516350526,"num_words":13,"start":3405.275,"end":3410.6348},{"sentences":[{"text":"Any other questions for me before I let you go?","start":3410.6348,"end":3412.9749,"sentiment":"neutral","sentiment_score":0.010970943048596382},{"text":"Mate, I always look out now for you at least.","start":3421.1501,"end":3423.97,"sentiment":"neutral","sentiment_score":0.2624198466539383},{"text":"And, look, I'm glad you took the call today because the the insurance has got sorted.","start":3424.03,"end":3428.195,"sentiment":"positive","sentiment_score":0.6012667957693338},{"text":"Everything's looking good.","start":3428.195,"end":3429.155,"sentiment":"positive","sentiment_score":0.8211771051088969},{"text":"We've got a plan, and I can book you in for a few months' time for the next steps, and I'm looking forward to it.","start":3429.155,"end":3435.2368,"sentiment":"positive","sentiment_score":0.6689566802978516}],"sentiment":"positive","sentiment_score":0.4928378898766823,"num_words":64,"start":3410.6348,"end":3435.2368},{"sentences":[{"text":"Awesome.","start":3437.9568,"end":3438.357,"sentiment":"positive","sentiment_score":0.8472762107849121},{"text":"Have a fantastic day.","start":3438.357,"end":3439.3967,"sentiment":"positive","sentiment_score":0.8265590518712997},{"text":"Anything else?","start":3439.3967,"end":3440.1167,"sentiment":"positive","sentiment_score":0.451235756278038},{"text":"Give us a buzz.","start":3440.1167,"end":3441.097,"sentiment":"positive","sentiment_score":0.47439848631620407},{"text":"Cheers, Grant.","start":3443.3967,"end":3444.0369,"sentiment":"positive","sentiment_score":0.5524505376815796}],"sentiment":"positive","sentiment_score":0.6198829962657049,"num_words":13,"start":3437.9568,"end":3444.0369},{"sentences":[{"text":"Bye.","start":3444.0369,"end":3444.5369,"sentiment":"neutral","sentiment_score":-0.0753718689084053}],"sentiment":"neutral","sentiment_score":-0.0753718689084053,"num_words":1,"start":3444.0369,"end":3444.5369}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. How are you? Yep. Yep. Yep. That's fine. Yep. Yep. Yep. Thirteen twelve nineteen ninety. 21 Fitzgerald Street, Bandsdale. Yep. Yes. I'm I'm on oh, well, yeah. I can look on my phone if if loud speakers are up. Yep. Yep. No. That's right. Well, yeah, I'm on layout speaking now, so as long as that doesn't bother you. And have a bit of a look. Yeah. Yep. Okay. Yep. Yes. Fine. Yeah. Good. Good. Not too much. Can't complain. Just get through the phone. Yeah. No. That's fine. I'm a bit of a bit of a weirdo. I don't I like a bit of chaos sometimes. Just entertain. Yeah. Well, yeah. Why not? No. Not real. I have had a bit of prob no. I don't know if it's a problem. Oh, yeah. I've got it now. It just popped up. Don't know if it's a problem, but my insurance stuff, which you guys are looking after, but it's through ClearView. I've had a few, like, I don't know, back of like, they they they sent me something saying, like, I hadn't renewed, and then I was like, oh, I don't know what's going on. And then I rang I spoke to someone on your end, and he's they're like, yeah. No. It's all good. I'll let you know in a couple of days. Never heard anything back. It was, like, three months. And I'm like, so what's the go? And they're like, yeah. No. It should be all fine. And then I just got a letter in the mail the other day saying something about the premium or something. Something got missed or something didn't work, so they're gonna have to take more out or something like that. So that's the only drama I've had because it's sort of been a bit I'm just sort of not sure what's going on. So as long as it's all sorted and whatever and I'm not paying more than I have to or it's still all good, I'm I'm alright with it. But, yeah, I just sorta it's just sorta a bit of backwards and forwards, and I had no no idea what was going on. But I don't need to as long as you guys have got a little under control. But, yeah, that's that's the only drama I've had, really. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Nah. That's sort of what the the letter said, but it was, like, 500 and it said 5 I think it said $500 or something, but maybe that's, like, the full total. I I'm not sure. But yeah. I'm pretty sure yeah. That's base what you're saying is basically what I read in the email. It didn't explain it very well. But the number was about the I'm I'm sure it was, like, $5.25 or something, it said, that was gonna be debited or something like that unless I'm completely wrong, but I'm pretty sure that's what the letter in the mail said. Yep. Because I'm they come in the post. So unless I may have misunderstood it. Maybe they've done this or that. Maybe that's my whole year, maybe. Or I don't know. I'm not sure. But, yeah, I'm I'm sure the I'm sure the letter said five '25 or May or something like that. And that April 27, that date, it was definitely on there. That stuck out to me. I remember reading that. Yep. Possibly. Yeah. Yep. Yep. Yep. Yep. Yep. No. So I've just I recently did some renovations, and we we did some refinancing and what. So I roughly I I owe probably around $3.03 80 or something, $3.90, 400, something like that. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. I think I'm I think I'm happy. I guess it. No. It sounds about right, I think. Let's see. I'm just trying to find yeah. That that sounds Yep. Yep. Yep. Yeah. So before we did the here's one of me here's one of me things here. This might be my last pay slip. It says my last pay slip of last financial year, I think, was around 93. That's that's the gross earning gross earning. Yep. So I was like I was like I think I was around the 70 sorta take home. I do I do do overtime, but I wouldn't say I'm a very high overtime. It might only it might be an hour, maybe. One one or two hours here every week or make and some weeks none. So yeah. Maybe if you if you've worked it over a month, I might do maybe four or five hours a month maybe extra. Yep. So if we just look at that again. So yeah. Well, I could probably even see what it probably nearly tells me. So it says for that financial so it says 93,000 and then it says my password's got all this on there. It says 70,000, which was my normal hours, and then it actually says here 4,700 overtime. So I only yeah. I only did 4 well, yeah, nearly 4 and a half thousand dollars worth of overtime for the last financial year. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. My my the office lady, which is my boss's wife, she's pretty good. She's under everything. So yep. Well, not not that, but the way I understand it is, like, if you're getting your super paid monthly, then you're only getting interest or something every month, whereas now I get interest every week or something like that. Is that sorta? Yep. Yep. Oh, yeah. Then the next week, it goes up and you've made money and then yeah. Yep. Yep. Yep. Yep. No. Just keep I don't know. Just basic basic living, I suppose. Just had another baby. So three. Yep. Get through that. So he's only what'll be tomorrow will be three weeks old. That's why I'm actually at home at the moment. So I go back to work Monday, but I'll be only doing sort of, like, half days because I gotta do I I gotta do kinder and day care pickup and drop off until my wife's cleared to drive. So we have to have a cesarean or whatever, so she can't drive for six weeks or something like that. So I have to stay home because of the school holidays because everyone's home. There's no kinder. And then, hopefully, yeah, I'll just be sort of doing, you know, nine till 02:30 sort of thing. But, yeah, back into it. And then, yeah, they get through that, and then, I don't know, really just, yeah, keep paying off the house, keep keep living, see what happens with the world, and go from there. Yeah. I've never been more happier to have a work car and a fuel car. I don't know that much. No. It's not too bad. And, like, I haven't been driving too much at the moment, but, yeah, it's just, like, it's just something I don't have to format for our personal car, which is just a run around town car. Obviously, we pay for, but I'm driving for work and having a fuel card, and I drive that, you know, on the weekends and stuff if I go somewhere. So it's pretty handy at the minute. Yep. Really good. Too too good. Too good. They they they they love him too much. They're all like, like yeah. Don't give him any space. You try and put him on the floor for a bit of wriggle, and they're they're all over him and yeah. So but, no, they've they've been really good. Four and two. Yep. Nearly well, yeah. The my daughter will be three in July, and my son will be five in August. So yeah. But at the moment, yeah, four and a half, two and a half sort of thing. Yep. Yep. Boy, girl, boy. Yep. Yep. She's all fine. Yeah. All traveling nicely as yeah. So yeah. All good. That's why I'm gonna hopefully get back to work. But, yeah, I just have to do the bloody pickup and drop off stuff, but that's alright for the next few weeks, and then I'll be back into it again. Mhmm. Yep. Yep. Yep. Yep. Yep. Mhmm. Ages ago. So this is yeah. This is the thing. I think when maybe last year or the year before, I I think when we reviewed it, whoever I reviewed it with, it was like a I pay I pay a bit more or something like that. But because I've had it for so long, the benefits that I have of having it so long outweigh the little bit extra that I pay or something like that, like, massively. Yep. Yep. Yep. Yep. Good. Yep. Yep. Yep. Yep. Yep. Yep. Alright. Correct. Yep. Yeah. Yeah. Because if something happens to me, but I don't know. 400,000, then it's not as bad. It's not I don't need to cover that. Yeah. I know what you're saying. Yep. I don't have as much oh, I can't remember. No. I don't know. Anyway yep. Okay. Yeah. I know what you're saying. Yep. Less best to cover, so I've got less. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. If you're happy when we're all happy, it sounds yep. Sounds good. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. That makes yeah. I yeah. I think I yeah. I I understood. I got a good insight to that last review when they explained it to me. Oh, when I redid it all, yeah, they said, well, why are you young? You go as hard as you can to get it all. You can always make it back. But obviously, yeah, when you're older, you don't want it that risky because you you've probably got you're you're gonna need it soon, so you don't wanna lose it and then you're never gonna regain it back. Because I know a fellow that another plumber who's a bit older than me. When COVID hit, I I lost $5 or something like that, and he lost, like, $500 because of the difference in super. And I'm like, shit. Yeah. So the $5 I lost because I only had 60,000, I can make that back. Whereas he had 200,000 or whatever and lost, you know, $5 oh, sorry, $50. That's a big difference, isn't it? Yep. Yep. Yep. Yep. Yep. Huge. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. That that's fine. Yeah. I think I said that, yeah, last year. That's something they make something. They come up with something every year. Every couple of years, they come up with something and it always comes back and then goes away, comes back, goes away. But yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. So we we pay it. We pay a little bit more than we have to on the so I went through I think through you guys, I got on to I think, yeah, I think I rang out you to ask about a banker or, like so I got a banker through you guys who helped us yeah. Mortgage broker who helped us with all our refinancing and everything for our renovation. So we were looking at selling and moving with the kids and stuff like this the the living area and all that just was getting a bit crammed and a bit tight. But then it was right as the prices all went up. So, yeah, our house went we paid $2.50 for this, and they're trying to sell it for $6.50, but then the next house was $707.50 anyway. So, basically, yeah, you were making technically, you're making $300, but you weren't because you had to buy in the same market. And then everything we're looking at was like so so, and we're like, look, if we're gonna do it, if we ever wanna do that, we don't ever wanna have to worry about it again. We just got sick of tire kickers coming around. You have to clean up the house, get the kids there, get the dogs there, do all this shit. Every people were coming down. It just got too much, and we just did not. We're done. So and it was like we looked into it. It was like $60,000 in, you know, to buy and sell something, you're paying about $60 in fees and charges. All that. And I ended up doing we did the whole reno, everything we wanted for around I think it might have been 70. So for $10 more than just the fees and charges, we've basically got somewhere we can stay for as long as we want now. Did a few extensions. Yep. So it worked out well. It's just we've got that extra $100 loan now, but that's fine. So what we've done is we have 300, I think. Let me double check. He set it up a bit different. So yeah. So we've got $2.92 96 in a fixed home loan, which we we just pay the minimum. He said just pay the minimum on that because that is a fixed it can't go up. It can't go down. It's just fixed. So just pay the minimum on that for now. So we're paying that. We have a we have the 100,000 that we borrowed in a variable one. We also have we we're also paying more into that, and then our actual bank account is an offset to that. So, basically, what we're trying to do is we're just mashing that 100 as quick as we can and then worry about the rest at a later date or next time he reviews it or whatever for me. So, yeah, that's sort of how we set it up. So we've got about we've we've got about $7,000 in savings at the moment. And we're about well, we're five and a half. We've got five and a half redraw as well. So yeah. Probably this time last year sort of thing. The the home line's all changed. Yep. Yep. Yeah. No. I think we're, yeah, I think I'll just keep focusing on the mortgage at the moment. Like, my super and all that seems pretty good. Yep. Yep. Yep. Yep. Nah. Yeah. I think at the moment, it's probably better to just, yeah, have you know, keep making what I'm making because, like, you know, everything's going up. So I don't think I need to put any more away than I need. Yeah. Yeah. Yep. So I have a block of land that we own that's in the region. That's two hours away from here. My parents are up there. So we've got a block there that we don't owe anything on. I looked at trying to sell it there a little while ago, but, again, nothing's really happening. So it's just sitting there. But we do have that. I have some shares of my own, but I don't know. Just everyone was talking about shares. So I bought some and they I don't touch them. I don't even know. They just sit there and do do whatever. So I bought that it is let me go. I can tell you exactly whatever you want to know. I also had another I was never gonna ring you guys the other day, but you're probably the best. So it's the ACDC Global West Battery Tech Lithium, I bought them. And just it's a silly story. You might laugh at me. I just bought them because it said ACDC. Yeah. So I've made pretty I've made I've got a mate who's very smart. He doesn't like to share a lot of he doesn't like to tell you anything because he doesn't want you you to hold him accountable. But he he sort of self supers and all this sort of stuff. And he knows how to do the market and he's he's he owns a like a he's a local like an I IDA, you know, like the IDA shop supermarket. He owns one of them, but he knows how to run the stock market and all that sort of stuff. Anyway, I just brought these and then he rang the other day and said, you've got them, didn't you? And he goes I said, yeah. And he goes, they're going really well, but he's got a lot more in there than I do. But market value. Alright. What do you wanna know? What do you need to know? What would you like to know? Like, the market value? 1,600? Yeah. Well, it says gain and loss. 680, 62% or something up. Yeah. I only put a thousand I only brought a thousand dollars because it was a a couple of years ago. That's just I just went on. Yeah. That'll do. Yeah. It might have been a couple of years ago now. Few years. I I also there's up up there, there's also, like, a a a small gold mine up there. And his old man sort of out there, ginning around, and I and I, like, brought the shares in that too, but that's that's no good. That's terrible. That's cost that's I've lost money on that. But the ACDC has made up for it a little bit. But, yeah, if they find gold, we'll be right, but they don't tend to be finding any gold. So no. But a question I did have, I was gonna ring the other day because you guys look after the stocks because share for people because you sort of do that with my super anyway, really. I have bank accounts for the kids. Just not bank accounts. So just in my bank, I have three separate accounts for the kids. And I I transfer every week on payday, $10 comes out. Every every pay every pay rate, $10 for each of them comes out and goes into an account. I obviously make a bit of interest off them, but not a lot. I wasn't sure whether it's worth maybe moving their money or when it's, like, buying shares or doing something with them to try and make to try and get more money or if that makes sense, is what I'm trying to say. Yep. So Pat, my oldest son, I started it when he was born. He's got $2,000 in there now. And my daughter's got 1,500, and William, the youngest, he's got $30. But yeah. So he got I put it in the reward saver sort of thing, and I don't touch it. So Pat got $7 interest the other day. It's obviously going up as money goes in. But then I was sort of thinking, I'm like, 7 I've been doing this for nearly five years, and he's only getting the $7 a month. Like, it's just sometimes you feel like you could I know you can lose more. You know, I'm never gonna lose in the bank. Like, the bank's never gonna take the money out whereas the shares can, but you can also make more be more beneficial for them. So I just wasn't sure. Run that pastures. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. That's understandable. Yeah. Yep. Yep. Yep. Yes. Yep. Every sort of tax. Yep. Yeah. Car or something like that. Yep. School or whatever it might be. Yep. Yep. Yep. Yep. Yep. No. That's fine. That's why I just thought yeah. Because obviously, the more money I put, like, as it keeps going and going and going, the interest will obviously go up. And then I was like, do I just join them instead of having three different accounts? So I just do one account, but then it gets messy, I suppose. It can get messy at the end when you try to distribute it to to them. They're like, oh, but you could just go right. Oh, well, wait till William turns 18 and then but then the others might need it. So yeah. Just yeah. Just keep them separate. Because I thought if I merge them together, you'd get more interest. But yeah. No. I think it's still free. It's just one of their eyes. It's it's the NAB Super Saver or Eye Saver. As long as I don't put any take any money out and there's a I think I I can't touch it and I have to have money going in before the last bank day of the month or something, you get the full interest of that month or something like that. Yep. So I've just got a direct debit straight out of my pay every week, $10, $10, $10, and it's just been slowly building up. So yeah. We'll just keep doing that. Yep. Yep. Yep. No. That'd be good. And, like, again, you guys can you'll be able to set me up and then sort of monitor it all for me and and stuff like that as well. Yeah? Yeah. You might just say, oh, this is what we reckon you do, and then I'll go and do it and stuff it up or something. Yep. Yep. Yep. Yep. Yep. Yep. No. That's cool. Yep. Yep. No. That's right. Yeah. Because when I set it up when I originally switched when I originally spoke to you guys the first time and then the fellow who set it all up with me, I can't remember your name now, a couple of years ago, he's like, look. We offer all these services and you're already paying, so you ring us and you ask us any of it. I said, right. So yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. So, like yeah. So back to your original question of, yeah, I've got that block of land and then just that little bit of shares that I've just got. There's only about two I think it's 2,200 that is sitting in that Navtrade account at the moment. It got up. Was that the ACDC went off for a while and it went up. It was about 2 and a half there, but then when the war and all that kicked off, it went back down. But now it's starting to go back up again. So yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. I'll yeah. It'll it'll come out. That'll be that'll be fine. Yep. I'll just have to work that out. That's fine. Yep. I'll be back at work by then. Yeah. Me and Roxanne have been meaning to do that for a long time. When we recently brought this house, they were pushing it, you know, now that you've got a mortgage and you should get a will. We've been we've been we've been meaning to do it for probably five, six years now. We haven't done it, but it's probably something we should get on to. Yeah. Mhmm. Yep. Yep. Yeah. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. That definitely something we need to look into. Like I said, to find them things, you think, oh, yeah. We we will, but then you're not expecting the dynamite at the moment, are you? So it's just something you forget about. So it's just something we've gotta get into onto. But, yeah, haven't done it. Yep. Yeah. Yeah. Because I can't do anything. Yep. Yeah. Yep. Yep. No. Completely understand that. So, yeah, something we definitely have to get on to at some point. I'll talk to Roxy today and maybe next Wednesday. I think everyone's out. I'll be back at work and both kids go to daycare and kinder might be something we look at. We'll try and get on to that as well. We're gonna look at our health insurance. The renewal just come in the mail, so we're gonna have another look over that as well. So yeah. Yep. Yeah. No. I just I don't know. I'm not the only one paying for the fuel, am I? So it doesn't directly affect me. It does, but we're all paying the same. But you're all paying the same, and we're all paying. It's not as if it's just at me. And then, like, all the balls and all that other until it affects me directly, I just don't worry about it. There's not much you can do with this. So no. The only other question I had for you now you're talking about trusses and all this sort of stuff. I I've been doing my plumbing licenses. So I've been driving down to Melbourne and doing all the courses. So when you finish your apprenticeship, you're a registered plumber, which you have to pay for, which allows me to work yeah. So yeah. So my so I'm a registered plumber at the moment. So I can work for a plumber as a plumber. Without my registration, I can't work for your plumber. To work for yourself or have your own business, you gotta be a licensed plumber. So you've gotta go back to trade school, and you've gotta do a certificate for so it's been Danny I've been going to Dandenong. It's about a three hour drive. I've been doing Monday, Tuesday, Wednesday, Monday, Tuesday, Wednesday for basically last year and month month on whatever. Anyway, it doesn't matter. I was sort of thinking about going out subbing hopefully subbing to the employer I'm in now and then start my own gig. Yeah. But, obviously, with everything that's happening at the moment, I've just put the queue in the rack and just sort of just see where the world goes at the moment. Because at the moment, I'm getting paid. My boss has got plenty of work. You don't wanna be chasing work when people don't have any money and rah rah rah rah. And if you're a subby, he's easy to he can just say, look. Don't come in next week. I've got no work. Whereas full time, you you have to come. You have to get paid. I got a fuel card, work card, all that sort of stuff. But say, later down the track, is that something I talk to I can talk to you guys about, like, if I was to set my business up a different because I know some people have trust. Some people have, like I don't know. I because I know yeah. Somehow my boss, like yeah. Somehow my boss his daughter gets paid and oh, I don't know how they work it all out. But is that something you guys sort of look at as well, or is that different? Yep. Yeah. Yeah. Yeah. Yep. Yep. Just as a Soul Trader, basically. Just as just as an IVN. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. See. Because I think that yep. Mhmm. Yep. Yeah. Yep. Yep. Yeah. Because I think my boss is like a proprietary limited or whatever. He's a so he basically works for the company. That's his company. And, yeah, I think he does that. He gets paid a wage, and I think somehow he's sort of he's, like, oh, it's like a trust, or they've got all this stuff set up. And I was like, oh, yeah. That's pretty cool. But, yeah, you wouldn't worry about that for a while. He's been doing it a long time. So yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Or you just keep working for him forever, which isn't a bad thing either. Yeah. Which isn't a bad thing either. Yeah. Oh, no. And so, yeah, I've done all my licenses, and I've got it already there to send off. I can I they can they sit against your name for, like I can have them just sit there for about ten years, I think, before I do if I wanna do something with them? And I was pretty keen because, you know, it gets to a point where you're like, okay. So, well, I'm just gonna work for this same boy forever. I just get up and go work for him and pay his daughter's trust and school fees and all this sort of stuff. And then but then the world, just the way it went at the moment, I might just hold on a bit. Like, I don't wanna go out on my own now and be paying $3.50 for fuel, and no one's got any money. So no one does any work and yeah. Just seems like it's a good time to just wipe it in. Yeah. Yeah. That's what I'm thinking. Just especially and now just having the other baby and sort of everything just sort of happened at once. I'm like, oh, god. Might just sit back for a bit and see what happens and go from there. I gotta get a car. That's the other thing. It's good to have a work car and a fuel car, but now at the end of the day, I don't now I don't have a car to to work at. So you gotta sort that problem out as well. So yeah. Yep. Yep. Yep. Yep. You need to you need to can for all that. Yep. Yep. Yep. Yep. Beauty. No. That's all. I just did. Just sort of quickly run that by to while while we're chatting. So yeah. Yep. Mhmm. Yep. Yep. Yep. Yep. That's fine, mate. Yep. Sounds good. You guys are all over it. So yeah. Yep. Yep. Yeah. Yep. Okay. Oh, yeah. Oh, yeah. That's fine. Yeah. So that's this one I've just clicked on now. It says to sign. Yep. Yep. Yep. That's fine. I can do that. Oh, yeah. It's done it all for me, has it? I said that's not my signature. Oh, it says auto. It's done a little flash signature for me, but as long as that doesn't matter or should I do draw my own? It says auto. So you could click auto and it'll auto put a signature in for you. Or you can hit draw or you can hit load, which you must be able to load up an old signature or you can write your own. So if it doesn't matter if I just got auto, if that's gonna be fine. Yep. So so this one will be alright, though, or should I just draw it? Okay. Cool. Yep. That no. That's fine. I can do that for you. Just done it. Yep. Just still waiting. Yeah. I see that. Yep. And okay. Yep. Yep. No. That's all. Yep. That's all gone through. It's all sitting there. Yep. And I dropped? Yep. No, mate. I think that's it. I'll I'll let you go and do some more. Talk to some other people. I've held you for nearly an hour now. So yeah. Yep. Yep. Yep. Awesome, mate. Beautiful. Thank you. Alright. Thanks, mate. Cheers. 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Good. Thanks. How are you? Yep.\n\nYep. Yep. That's fine. Yep. Yep.\n\nYep. Thirteen twelve nineteen ninety. 21 Fitzgerald Street, Bandsdale. Yep. Yes.\n\nI'm I'm on oh, well, yeah. I can look on my phone if if loud speakers are up. Yep. Yep. No.\n\nThat's right. Well, yeah, I'm on layout speaking now, so as long as that doesn't bother you. And have a bit of a look. Yeah. Yep.\n\nOkay. Yep. Yes. Fine. Yeah.\n\nGood. Good. Not too much. Can't complain. Just get through the phone.\n\nYeah. No. That's fine. I'm a bit of a bit of a weirdo. I don't I like a bit of chaos sometimes.\n\nJust entertain. Yeah. Well, yeah. Why not? No.\n\nNot real. I have had a bit of prob no. I don't know if it's a problem. Oh, yeah. I've got it now.\n\nIt just popped up. Don't know if it's a problem, but my insurance stuff, which you guys are looking after, but it's through ClearView. I've had a few, like, I don't know, back of like, they they they sent me something saying, like, I hadn't renewed, and then I was like, oh, I don't know what's going on. And then I rang I spoke to someone on your end, and he's they're like, yeah. No.\n\nIt's all good. I'll let you know in a couple of days. Never heard anything back. It was, like, three months. And I'm like, so what's the go?\n\nAnd they're like, yeah. No. It should be all fine. And then I just got a letter in the mail the other day saying something about the premium or something. Something got missed or something didn't work, so they're gonna have to take more out or something like that.\n\nSo that's the only drama I've had because it's sort of been a bit I'm just sort of not sure what's going on. So as long as it's all sorted and whatever and I'm not paying more than I have to or it's still all good, I'm I'm alright with it. But, yeah, I just sorta it's just sorta a bit of backwards and forwards, and I had no no idea what was going on. But I don't need to as long as you guys have got a little under control. But, yeah, that's that's the only drama I've had, really.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nYep. Yep. Yep. Yep. Yep.\n\nNah. That's sort of what the the letter said, but it was, like, 500 and it said 5 I think it said $500 or something, but maybe that's, like, the full total. I I'm not sure. But yeah. I'm pretty sure yeah.\n\nThat's base what you're saying is basically what I read in the email. It didn't explain it very well. But the number was about the I'm I'm sure it was, like, $5.25 or something, it said, that was gonna be debited or something like that unless I'm completely wrong, but I'm pretty sure that's what the letter in the mail said. Yep. Because I'm they come in the post.\n\nSo unless I may have misunderstood it. Maybe they've done this or that. Maybe that's my whole year, maybe. Or I don't know. I'm not sure.\n\nBut, yeah, I'm I'm sure the I'm sure the letter said five '25 or May or something like that. And that April 27, that date, it was definitely on there. That stuck out to me. I remember reading that. Yep.\n\nPossibly. Yeah. Yep. Yep. Yep.\n\nYep. Yep. No. So I've just I recently did some renovations, and we we did some refinancing and what. So I roughly I I owe probably around $3.03 80 or something, $3.90, 400, something like that.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. I think I'm I think I'm happy. I guess it. No.\n\nIt sounds about right, I think. Let's see. I'm just trying to find yeah. That that sounds Yep. Yep.\n\nYep. Yeah. So before we did the here's one of me here's one of me things here. This might be my last pay slip. It says my last pay slip of last financial year, I think, was around 93.\n\nThat's that's the gross earning gross earning. Yep. So I was like I was like I think I was around the 70 sorta take home. I do I do do overtime, but I wouldn't say I'm a very high overtime. It might only it might be an hour, maybe.\n\nOne one or two hours here every week or make and some weeks none. So yeah. Maybe if you if you've worked it over a month, I might do maybe four or five hours a month maybe extra. Yep. So if we just look at that again.\n\nSo yeah. Well, I could probably even see what it probably nearly tells me. So it says for that financial so it says 93,000 and then it says my password's got all this on there. It says 70,000, which was my normal hours, and then it actually says here 4,700 overtime. So I only yeah.\n\nI only did 4 well, yeah, nearly 4 and a half thousand dollars worth of overtime for the last financial year. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. My my the office lady, which is my boss's wife, she's pretty good. She's under everything. So yep. Well, not not that, but the way I understand it is, like, if you're getting your super paid monthly, then you're only getting interest or something every month, whereas now I get interest every week or something like that.\n\nIs that sorta? Yep. Yep. Oh, yeah. Then the next week, it goes up and you've made money and then yeah.\n\nYep. Yep. Yep. Yep. No.\n\nJust keep I don't know. Just basic basic living, I suppose. Just had another baby. So three. Yep.\n\nGet through that. So he's only what'll be tomorrow will be three weeks old. That's why I'm actually at home at the moment. So I go back to work Monday, but I'll be only doing sort of, like, half days because I gotta do I I gotta do kinder and day care pickup and drop off until my wife's cleared to drive. So we have to have a cesarean or whatever, so she can't drive for six weeks or something like that.\n\nSo I have to stay home because of the school holidays because everyone's home. There's no kinder. And then, hopefully, yeah, I'll just be sort of doing, you know, nine till 02:30 sort of thing. But, yeah, back into it. And then, yeah, they get through that, and then, I don't know, really just, yeah, keep paying off the house, keep keep living, see what happens with the world, and go from there.\n\nYeah. I've never been more happier to have a work car and a fuel car. I don't know that much. No. It's not too bad.\n\nAnd, like, I haven't been driving too much at the moment, but, yeah, it's just, like, it's just something I don't have to format for our personal car, which is just a run around town car. Obviously, we pay for, but I'm driving for work and having a fuel card, and I drive that, you know, on the weekends and stuff if I go somewhere. So it's pretty handy at the minute. Yep. Really good.\n\nToo too good. Too good. They they they they love him too much. They're all like, like yeah. Don't give him any space.\n\nYou try and put him on the floor for a bit of wriggle, and they're they're all over him and yeah. So but, no, they've they've been really good. Four and two. Yep. Nearly well, yeah.\n\nThe my daughter will be three in July, and my son will be five in August. So yeah. But at the moment, yeah, four and a half, two and a half sort of thing. Yep. Yep.\n\nBoy, girl, boy. Yep. Yep. She's all fine. Yeah.\n\nAll traveling nicely as yeah. So yeah. All good. That's why I'm gonna hopefully get back to work. But, yeah, I just have to do the bloody pickup and drop off stuff, but that's alright for the next few weeks, and then I'll be back into it again.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nYep. Mhmm. Ages ago. So this is yeah. This is the thing.\n\nI think when maybe last year or the year before, I I think when we reviewed it, whoever I reviewed it with, it was like a I pay I pay a bit more or something like that. But because I've had it for so long, the benefits that I have of having it so long outweigh the little bit extra that I pay or something like that, like, massively. Yep. Yep. Yep.\n\nYep. Good. Yep. Yep. Yep.\n\nYep. Yep. Yep. Alright. Correct.\n\nYep. Yeah. Yeah. Because if something happens to me, but I don't know. 400,000, then it's not as bad.\n\nIt's not I don't need to cover that. Yeah. I know what you're saying. Yep. I don't have as much oh, I can't remember.\n\nNo. I don't know. Anyway yep. Okay. Yeah.\n\nI know what you're saying. Yep. Less best to cover, so I've got less. Yep. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. If you're happy when we're all happy, it sounds yep. Sounds good. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nThat makes yeah. I yeah. I think I yeah. I I understood. I got a good insight to that last review when they explained it to me.\n\nOh, when I redid it all, yeah, they said, well, why are you young? You go as hard as you can to get it all. You can always make it back. But obviously, yeah, when you're older, you don't want it that risky because you you've probably got you're you're gonna need it soon, so you don't wanna lose it and then you're never gonna regain it back. Because I know a fellow that another plumber who's a bit older than me.\n\nWhen COVID hit, I I lost $5 or something like that, and he lost, like, $500 because of the difference in super. And I'm like, shit. Yeah. So the $5 I lost because I only had 60,000, I can make that back. Whereas he had 200,000 or whatever and lost, you know, $5 oh, sorry, $50.\n\nThat's a big difference, isn't it? Yep. Yep. Yep. Yep.\n\nYep. Huge. Yeah. Yeah. Yeah.\n\nYep. Yep. Yeah. Yeah. That that's fine.\n\nYeah. I think I said that, yeah, last year. That's something they make something. They come up with something every year. Every couple of years, they come up with something and it always comes back and then goes away, comes back, goes away.\n\nBut yeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nSo we we pay it. We pay a little bit more than we have to on the so I went through I think through you guys, I got on to I think, yeah, I think I rang out you to ask about a banker or, like so I got a banker through you guys who helped us yeah. Mortgage broker who helped us with all our refinancing and everything for our renovation. So we were looking at selling and moving with the kids and stuff like this the the living area and all that just was getting a bit crammed and a bit tight. But then it was right as the prices all went up.\n\nSo, yeah, our house went we paid $2.50 for this, and they're trying to sell it for $6.50, but then the next house was $707.50 anyway. So, basically, yeah, you were making technically, you're making $300, but you weren't because you had to buy in the same market. And then everything we're looking at was like so so, and we're like, look, if we're gonna do it, if we ever wanna do that, we don't ever wanna have to worry about it again. We just got sick of tire kickers coming around. You have to clean up the house, get the kids there, get the dogs there, do all this shit.\n\nEvery people were coming down. It just got too much, and we just did not. We're done. So and it was like we looked into it. It was like $60,000 in, you know, to buy and sell something, you're paying about $60 in fees and charges.\n\nAll that. And I ended up doing we did the whole reno, everything we wanted for around I think it might have been 70. So for $10 more than just the fees and charges, we've basically got somewhere we can stay for as long as we want now. Did a few extensions. Yep.\n\nSo it worked out well. It's just we've got that extra $100 loan now, but that's fine. So what we've done is we have 300, I think. Let me double check. He set it up a bit different.\n\nSo yeah. So we've got $2.92 96 in a fixed home loan, which we we just pay the minimum. He said just pay the minimum on that because that is a fixed it can't go up. It can't go down. It's just fixed.\n\nSo just pay the minimum on that for now. So we're paying that. We have a we have the 100,000 that we borrowed in a variable one. We also have we we're also paying more into that, and then our actual bank account is an offset to that. So, basically, what we're trying to do is we're just mashing that 100 as quick as we can and then worry about the rest at a later date or next time he reviews it or whatever for me.\n\nSo, yeah, that's sort of how we set it up. So we've got about we've we've got about $7,000 in savings at the moment. And we're about well, we're five and a half. We've got five and a half redraw as well. So yeah.\n\nProbably this time last year sort of thing. The the home line's all changed. Yep. Yep. Yeah.\n\nNo. I think we're, yeah, I think I'll just keep focusing on the mortgage at the moment. Like, my super and all that seems pretty good. Yep. Yep.\n\nYep. Yep. Nah. Yeah. I think at the moment, it's probably better to just, yeah, have you know, keep making what I'm making because, like, you know, everything's going up.\n\nSo I don't think I need to put any more away than I need. Yeah. Yeah. Yep. So I have a block of land that we own that's in the region.\n\nThat's two hours away from here. My parents are up there. So we've got a block there that we don't owe anything on. I looked at trying to sell it there a little while ago, but, again, nothing's really happening. So it's just sitting there.\n\nBut we do have that. I have some shares of my own, but I don't know. Just everyone was talking about shares. So I bought some and they I don't touch them. I don't even know.\n\nThey just sit there and do do whatever. So I bought that it is let me go. I can tell you exactly whatever you want to know. I also had another I was never gonna ring you guys the other day, but you're probably the best. So it's the ACDC Global West Battery Tech Lithium, I bought them.\n\nAnd just it's a silly story. You might laugh at me. I just bought them because it said ACDC. Yeah. So I've made pretty I've made I've got a mate who's very smart.\n\nHe doesn't like to share a lot of he doesn't like to tell you anything because he doesn't want you you to hold him accountable. But he he sort of self supers and all this sort of stuff. And he knows how to do the market and he's he's he owns a like a he's a local like an I IDA, you know, like the IDA shop supermarket. He owns one of them, but he knows how to run the stock market and all that sort of stuff. Anyway, I just brought these and then he rang the other day and said, you've got them, didn't you?\n\nAnd he goes I said, yeah. And he goes, they're going really well, but he's got a lot more in there than I do. But market value. Alright. What do you wanna know?\n\nWhat do you need to know? What would you like to know? Like, the market value? 1,600? Yeah.\n\nWell, it says gain and loss. 680, 62% or something up. Yeah. I only put a thousand I only brought a thousand dollars because it was a a couple of years ago. That's just I just went on.\n\nYeah. That'll do. Yeah. It might have been a couple of years ago now. Few years.\n\nI I also there's up up there, there's also, like, a a a small gold mine up there. And his old man sort of out there, ginning around, and I and I, like, brought the shares in that too, but that's that's no good. That's terrible. That's cost that's I've lost money on that. But the ACDC has made up for it a little bit.\n\nBut, yeah, if they find gold, we'll be right, but they don't tend to be finding any gold. So no. But a question I did have, I was gonna ring the other day because you guys look after the stocks because share for people because you sort of do that with my super anyway, really. I have bank accounts for the kids. Just not bank accounts.\n\nSo just in my bank, I have three separate accounts for the kids. And I I transfer every week on payday, $10 comes out. Every every pay every pay rate, $10 for each of them comes out and goes into an account. I obviously make a bit of interest off them, but not a lot. I wasn't sure whether it's worth maybe moving their money or when it's, like, buying shares or doing something with them to try and make to try and get more money or if that makes sense, is what I'm trying to say.\n\nYep. So Pat, my oldest son, I started it when he was born. He's got $2,000 in there now. And my daughter's got 1,500, and William, the youngest, he's got $30. But yeah.\n\nSo he got I put it in the reward saver sort of thing, and I don't touch it. So Pat got $7 interest the other day. It's obviously going up as money goes in. But then I was sort of thinking, I'm like, 7 I've been doing this for nearly five years, and he's only getting the $7 a month. Like, it's just sometimes you feel like you could I know you can lose more.\n\nYou know, I'm never gonna lose in the bank. Like, the bank's never gonna take the money out whereas the shares can, but you can also make more be more beneficial for them. So I just wasn't sure. Run that pastures. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. That's understandable. Yeah. Yep. Yep.\n\nYep. Yes. Yep. Every sort of tax. Yep.\n\nYeah. Car or something like that. Yep. School or whatever it might be. Yep.\n\nYep. Yep. Yep. Yep. No.\n\nThat's fine. That's why I just thought yeah. Because obviously, the more money I put, like, as it keeps going and going and going, the interest will obviously go up. And then I was like, do I just join them instead of having three different accounts? So I just do one account, but then it gets messy, I suppose.\n\nIt can get messy at the end when you try to distribute it to to them. They're like, oh, but you could just go right. Oh, well, wait till William turns 18 and then but then the others might need it. So yeah. Just yeah.\n\nJust keep them separate. Because I thought if I merge them together, you'd get more interest. But yeah. No. I think it's still free.\n\nIt's just one of their eyes. It's it's the NAB Super Saver or Eye Saver. As long as I don't put any take any money out and there's a I think I I can't touch it and I have to have money going in before the last bank day of the month or something, you get the full interest of that month or something like that. Yep. So I've just got a direct debit straight out of my pay every week, $10, $10, $10, and it's just been slowly building up.\n\nSo yeah. We'll just keep doing that. Yep. Yep. Yep.\n\nNo. That'd be good. And, like, again, you guys can you'll be able to set me up and then sort of monitor it all for me and and stuff like that as well. Yeah? Yeah.\n\nYou might just say, oh, this is what we reckon you do, and then I'll go and do it and stuff it up or something. Yep. Yep. Yep. Yep.\n\nYep. Yep. No. That's cool. Yep.\n\nYep. No. That's right. Yeah. Because when I set it up when I originally switched when I originally spoke to you guys the first time and then the fellow who set it all up with me, I can't remember your name now, a couple of years ago, he's like, look.\n\nWe offer all these services and you're already paying, so you ring us and you ask us any of it. I said, right. So yeah. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYeah. So, like yeah. So back to your original question of, yeah, I've got that block of land and then just that little bit of shares that I've just got. There's only about two I think it's 2,200 that is sitting in that Navtrade account at the moment. It got up.\n\nWas that the ACDC went off for a while and it went up. It was about 2 and a half there, but then when the war and all that kicked off, it went back down. But now it's starting to go back up again. So yeah. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYeah. I'll yeah. It'll it'll come out. That'll be that'll be fine. Yep.\n\nI'll just have to work that out. That's fine. Yep. I'll be back at work by then. Yeah.\n\nMe and Roxanne have been meaning to do that for a long time. When we recently brought this house, they were pushing it, you know, now that you've got a mortgage and you should get a will. We've been we've been we've been meaning to do it for probably five, six years now. We haven't done it, but it's probably something we should get on to. Yeah.\n\nMhmm. Yep. Yep. Yeah. Okay.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. That definitely something we need to look into. Like I said, to find them things, you think, oh, yeah.\n\nWe we will, but then you're not expecting the dynamite at the moment, are you? So it's just something you forget about. So it's just something we've gotta get into onto. But, yeah, haven't done it. Yep.\n\nYeah. Yeah. Because I can't do anything. Yep. Yeah.\n\nYep. Yep. No. Completely understand that. So, yeah, something we definitely have to get on to at some point.\n\nI'll talk to Roxy today and maybe next Wednesday. I think everyone's out. I'll be back at work and both kids go to daycare and kinder might be something we look at. We'll try and get on to that as well. We're gonna look at our health insurance.\n\nThe renewal just come in the mail, so we're gonna have another look over that as well. So yeah. Yep. Yeah. No.\n\nI just I don't know. I'm not the only one paying for the fuel, am I? So it doesn't directly affect me. It does, but we're all paying the same. But you're all paying the same, and we're all paying.\n\nIt's not as if it's just at me. And then, like, all the balls and all that other until it affects me directly, I just don't worry about it. There's not much you can do with this. So no. The only other question I had for you now you're talking about trusses and all this sort of stuff.\n\nI I've been doing my plumbing licenses. So I've been driving down to Melbourne and doing all the courses. So when you finish your apprenticeship, you're a registered plumber, which you have to pay for, which allows me to work yeah. So yeah. So my so I'm a registered plumber at the moment.\n\nSo I can work for a plumber as a plumber. Without my registration, I can't work for your plumber. To work for yourself or have your own business, you gotta be a licensed plumber. So you've gotta go back to trade school, and you've gotta do a certificate for so it's been Danny I've been going to Dandenong. It's about a three hour drive.\n\nI've been doing Monday, Tuesday, Wednesday, Monday, Tuesday, Wednesday for basically last year and month month on whatever. Anyway, it doesn't matter. I was sort of thinking about going out subbing hopefully subbing to the employer I'm in now and then start my own gig. Yeah. But, obviously, with everything that's happening at the moment, I've just put the queue in the rack and just sort of just see where the world goes at the moment.\n\nBecause at the moment, I'm getting paid. My boss has got plenty of work. You don't wanna be chasing work when people don't have any money and rah rah rah rah. And if you're a subby, he's easy to he can just say, look. Don't come in next week.\n\nI've got no work. Whereas full time, you you have to come. You have to get paid. I got a fuel card, work card, all that sort of stuff. But say, later down the track, is that something I talk to I can talk to you guys about, like, if I was to set my business up a different because I know some people have trust.\n\nSome people have, like I don't know. I because I know yeah. Somehow my boss, like yeah. Somehow my boss his daughter gets paid and oh, I don't know how they work it all out. But is that something you guys sort of look at as well, or is that different?\n\nYep. Yeah. Yeah. Yeah. Yep.\n\nYep. Just as a Soul Trader, basically. Just as just as an IVN. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYeah. See. Because I think that yep. Mhmm. Yep.\n\nYeah. Yep. Yep. Yeah. Because I think my boss is like a proprietary limited or whatever.\n\nHe's a so he basically works for the company. That's his company. And, yeah, I think he does that. He gets paid a wage, and I think somehow he's sort of he's, like, oh, it's like a trust, or they've got all this stuff set up. And I was like, oh, yeah.\n\nThat's pretty cool. But, yeah, you wouldn't worry about that for a while. He's been doing it a long time. So yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Or you just keep working for him forever, which isn't a bad thing either.\n\nYeah. Which isn't a bad thing either. Yeah. Oh, no. And so, yeah, I've done all my licenses, and I've got it already there to send off.\n\nI can I they can they sit against your name for, like I can have them just sit there for about ten years, I think, before I do if I wanna do something with them? And I was pretty keen because, you know, it gets to a point where you're like, okay. So, well, I'm just gonna work for this same boy forever. I just get up and go work for him and pay his daughter's trust and school fees and all this sort of stuff. And then but then the world, just the way it went at the moment, I might just hold on a bit.\n\nLike, I don't wanna go out on my own now and be paying $3.50 for fuel, and no one's got any money. So no one does any work and yeah. Just seems like it's a good time to just wipe it in. Yeah. Yeah.\n\nThat's what I'm thinking. Just especially and now just having the other baby and sort of everything just sort of happened at once. I'm like, oh, god. Might just sit back for a bit and see what happens and go from there. I gotta get a car.\n\nThat's the other thing. It's good to have a work car and a fuel car, but now at the end of the day, I don't now I don't have a car to to work at. So you gotta sort that problem out as well. So yeah. Yep.\n\nYep. Yep. Yep. You need to you need to can for all that. Yep.\n\nYep. Yep. Yep. Beauty. No.\n\nThat's all. I just did. Just sort of quickly run that by to while while we're chatting. So yeah. Yep.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nThat's fine, mate. Yep. Sounds good. You guys are all over it. So yeah.\n\nYep. Yep. Yeah. Yep. Okay.\n\nOh, yeah. Oh, yeah. That's fine. Yeah. So that's this one I've just clicked on now.\n\nIt says to sign. Yep. Yep. Yep. That's fine.\n\nI can do that. Oh, yeah. It's done it all for me, has it? I said that's not my signature. Oh, it says auto.\n\nIt's done a little flash signature for me, but as long as that doesn't matter or should I do draw my own? It says auto. So you could click auto and it'll auto put a signature in for you. Or you can hit draw or you can hit load, which you must be able to load up an old signature or you can write your own. So if it doesn't matter if I just got auto, if that's gonna be fine.\n\nYep. So so this one will be alright, though, or should I just draw it? Okay. Cool. Yep.\n\nThat no. That's fine. I can do that for you. Just done it. Yep.\n\nJust still waiting. Yeah. I see that. Yep. And okay.\n\nYep. Yep. No. That's all. Yep.\n\nThat's all gone through. It's all sitting there. Yep. And I dropped? Yep.\n\nNo, mate. I think that's it. I'll I'll let you go and do some more. Talk to some other people. I've held you for nearly an hour now.\n\nSo yeah. Yep. Yep. Yep. Awesome, mate.\n\nBeautiful. Thank you. Alright. Thanks, mate. Cheers.\n\nHave a good day.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.05727261304855347},{"text":"Good.","start":6.24,"end":6.64,"sentiment":"positive","sentiment_score":0.4005563259124756},{"text":"Thanks.","start":6.64,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5010688304901123},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.2885451366504033},{"text":"Yep.","start":15.325001,"end":15.825001,"sentiment":"neutral","sentiment_score":0.07298241555690765}],"sentiment":"neutral","sentiment_score":0.2710736564227513,"num_words":7,"start":0.48,"end":15.825001},{"sentences":[{"text":"Yep.","start":19.085,"end":19.585,"sentiment":"neutral","sentiment_score":0.10774454474449158},{"text":"Yep.","start":24.925,"end":25.425,"sentiment":"neutral","sentiment_score":0.1256391704082489},{"text":"That's fine.","start":25.485,"end":26.305,"sentiment":"neutral","sentiment_score":0.28104348480701447},{"text":"Yep.","start":42.66,"end":43.16,"sentiment":"neutral","sentiment_score":0.0702473521232605},{"text":"Yep.","start":43.46,"end":43.96,"sentiment":"neutral","sentiment_score":0.12625844776630402}],"sentiment":"neutral","sentiment_score":0.16532941410938898,"num_words":6,"start":19.085,"end":43.96},{"sentences":[{"text":"Yep.","start":50.534996,"end":51.034996,"sentiment":"neutral","sentiment_score":0.14905092120170593},{"text":"Thirteen twelve nineteen ninety.","start":60.260002,"end":62.600002,"sentiment":"neutral","sentiment_score":0.014663949841633439},{"text":"21 Fitzgerald Street, Bandsdale.","start":62.74,"end":65.48,"sentiment":"neutral","sentiment_score":0.02573878993280232},{"text":"Yep.","start":72.9,"end":73.4,"sentiment":"neutral","sentiment_score":0.10468723624944688},{"text":"Yes.","start":79.385,"end":79.885,"sentiment":"neutral","sentiment_score":0.04226172715425491}],"sentiment":"neutral","sentiment_score":0.041600985791195526,"num_words":11,"start":50.534996,"end":79.885},{"sentences":[{"text":"I'm I'm on oh, well, yeah.","start":80.345,"end":81.425,"sentiment":"neutral","sentiment_score":0.027960340802868206},{"text":"I can look on my phone if if loud speakers are up.","start":81.425,"end":84.445,"sentiment":"neutral","sentiment_score":0.018335205735638738},{"text":"Yep.","start":89.145004,"end":89.645004,"sentiment":"neutral","sentiment_score":0.03618038445711136},{"text":"Yep.","start":94.729996,"end":94.97,"sentiment":"neutral","sentiment_score":0.040860842913389206},{"text":"No.","start":94.97,"end":95.21,"sentiment":"neutral","sentiment_score":0.018054602667689323}],"sentiment":"neutral","sentiment_score":0.022994302080145905,"num_words":21,"start":80.345,"end":95.21},{"sentences":[{"text":"That's right.","start":95.21,"end":95.53,"sentiment":"neutral","sentiment_score":0.028832437470555305},{"text":"Well, yeah, I'm on layout speaking now, so as long as that doesn't bother you.","start":95.53,"end":98.83,"sentiment":"neutral","sentiment_score":0.07745462755362192},{"text":"And have a bit of a 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the other day saying something about the premium or something.","start":211.16,"end":218.945,"sentiment":"neutral","sentiment_score":-0.14020102005451918},{"text":"Something got missed or something didn't work, so they're gonna have to take more out or something like that.","start":219.16501,"end":225.005,"sentiment":"neutral","sentiment_score":-0.3299736780555625}],"sentiment":"neutral","sentiment_score":-0.16555192264519175,"num_words":49,"start":208.76,"end":225.005},{"sentences":[{"text":"So that's the only drama I've had because it's sort of been a bit I'm just sort of not sure what's going on.","start":225.005,"end":231.0,"sentiment":"negative","sentiment_score":-0.40595694210218347},{"text":"So as long as it's all sorted and whatever and I'm not paying more than I have to or it's still all good, I'm I'm alright with it.","start":231.0,"end":240.04001,"sentiment":"neutral","sentiment_score":-0.1597914703722511},{"text":"But, yeah, I just sorta it's just sorta a bit of backwards 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all.","start":1334.84,"end":1336.84,"sentiment":"neutral","sentiment_score":-0.22366065735166724},{"text":"You can always make it back.","start":1336.84,"end":1338.12,"sentiment":"neutral","sentiment_score":0.035012890895207725},{"text":"But obviously, yeah, when you're older, you don't want it that risky because you you've probably got you're you're gonna need it soon, so you don't wanna lose it and then you're never gonna regain it back.","start":1338.12,"end":1347.925,"sentiment":"neutral","sentiment_score":-0.27985609665110306},{"text":"Because I know a fellow that another plumber who's a bit older than me.","start":1349.345,"end":1354.0651,"sentiment":"neutral","sentiment_score":-0.042037075252405236}],"sentiment":"neutral","sentiment_score":-0.17081695765529464,"num_words":82,"start":1329.96,"end":1354.0651},{"sentences":[{"text":"When COVID hit, I I lost $5 or something like that, and he lost, like, $500 because of the difference in super.","start":1354.0651,"end":1363.17,"sentiment":"neutral","sentiment_score":-0.23994220691648396},{"text":"And I'm like, shit.","start":1364.1901,"end":1365.4701,"sentiment":"neutral","sentiment_score":-0.3300185427069664},{"text":"Yeah.","start":1365.4701,"end":1365.79,"sentiment":"neutral","sentiment_score":-0.190965473651886},{"text":"So the $5 I lost because I only had 60,000, I can make that back.","start":1365.79,"end":1370.855,"sentiment":"neutral","sentiment_score":-0.2895376125971476},{"text":"Whereas he had 200,000 or whatever and lost, you know, $5 oh, sorry, $50.","start":1370.855,"end":1377.6549,"sentiment":"neutral","sentiment_score":-0.2062407923596246}],"sentiment":"neutral","sentiment_score":-0.25036077640418497,"num_words":56,"start":1354.0651,"end":1377.6549},{"sentences":[{"text":"That's a big difference, isn't it?","start":1377.6549,"end":1379.355,"sentiment":"neutral","sentiment_score":-0.14631631691008806},{"text":"Yep.","start":1387.58,"end":1388.08,"sentiment":"neutral","sentiment_score":0.1482675075531006},{"text":"Yep.","start":1392.38,"end":1392.88,"sentiment":"neutral","sentiment_score":0.14008574187755585},{"text":"Yep.","start":1399.525,"end":1400.025,"sentiment":"neutral","sentiment_score":0.0574578121304512},{"text":"Yep.","start":1405.125,"end":1405.625,"sentiment":"neutral","sentiment_score":-0.005680230911821127}],"sentiment":"neutral","sentiment_score":-0.053776707081124184,"num_words":10,"start":1377.6549,"end":1405.625},{"sentences":[{"text":"Yep.","start":1407.925,"end":1408.425,"sentiment":"neutral","sentiment_score":-0.019014284014701843},{"text":"Huge.","start":1413.07,"end":1413.57,"sentiment":"neutral","sentiment_score":0.0005915786023251712},{"text":"Yeah.","start":1413.95,"end":1414.2699,"sentiment":"neutral","sentiment_score":0.045758284628391266},{"text":"Yeah.","start":1414.2699,"end":1414.51,"sentiment":"neutral","sentiment_score":0.06801077723503113},{"text":"Yeah.","start":1414.51,"end":1415.01,"sentiment":"neutral","sentiment_score":0.10706713795661926}],"sentiment":"neutral","sentiment_score":0.040482698881533,"num_words":5,"start":1407.925,"end":1415.01},{"sentences":[{"text":"Yep.","start":1425.2949,"end":1425.7949,"sentiment":"neutral","sentiment_score":0.1095440536737442},{"text":"Yep.","start":1426.735,"end":1427.235,"sentiment":"neutral","sentiment_score":0.20380079746246335},{"text":"Yeah.","start":1437.2949,"end":1437.7949,"sentiment":"neutral","sentiment_score":0.14717522263526917},{"text":"Yeah.","start":1443.47,"end":1443.79,"sentiment":"neutral","sentiment_score":0.1942310929298401},{"text":"That that's fine.","start":1443.79,"end":1444.67,"sentiment":"neutral","sentiment_score":0.25607675313949585}],"sentiment":"neutral","sentiment_score":0.20328306087425776,"num_words":7,"start":1425.2949,"end":1444.67},{"sentences":[{"text":"Yeah.","start":1444.67,"end":1445.15,"sentiment":"neutral","sentiment_score":0.1420508623123169},{"text":"I think I said that, yeah, last year.","start":1445.15,"end":1447.41,"sentiment":"neutral","sentiment_score":0.0770924435928464},{"text":"That's something they make something.","start":1448.43,"end":1450.05,"sentiment":"neutral","sentiment_score":0.03766706138849259},{"text":"They come up with something every year.","start":1450.785,"end":1452.5651,"sentiment":"neutral","sentiment_score":-0.005809125623532704},{"text":"Every couple of years, they come up with something and it always comes back and then goes away, comes back, goes away.","start":1452.625,"end":1457.9001,"sentiment":"neutral","sentiment_score":-0.0826259446753697}],"sentiment":"neutral","sentiment_score":-0.02119323126105375,"num_words":43,"start":1444.67,"end":1457.9001},{"sentences":[{"text":"But yeah.","start":1457.9001,"end":1458.7251,"sentiment":"neutral","sentiment_score":-0.029808652587234974},{"text":"Yep.","start":1460.385,"end":1460.885,"sentiment":"neutral","sentiment_score":0.07305361330509186},{"text":"Yep.","start":1467.95,"end":1468.45,"sentiment":"neutral","sentiment_score":0.32738858461380005},{"text":"Yep.","start":1469.95,"end":1470.45,"sentiment":"neutral","sentiment_score":0.24493323266506195},{"text":"Yep.","start":1481.9651,"end":1482.4651,"sentiment":"positive","sentiment_score":0.33392906188964844}],"sentiment":"neutral","sentiment_score":0.15328119788318872,"num_words":6,"start":1457.9001,"end":1482.4651},{"sentences":[{"text":"Yep.","start":1492.15,"end":1492.65,"sentiment":"neutral","sentiment_score":0.21887145936489105},{"text":"Yep.","start":1501.91,"end":1502.41,"sentiment":"neutral","sentiment_score":0.01922737807035446},{"text":"Yep.","start":1506.79,"end":1507.29,"sentiment":"neutral","sentiment_score":-0.16506993770599365},{"text":"Yep.","start":1509.5851,"end":1510.0851,"sentiment":"neutral","sentiment_score":0.08843529224395752},{"text":"Yep.","start":1512.0651,"end":1512.5651,"sentiment":"neutral","sentiment_score":0.13444624841213226}],"sentiment":"neutral","sentiment_score":0.05918208807706833,"num_words":5,"start":1492.15,"end":1512.5651},{"sentences":[{"text":"So we we pay it.","start":1523.77,"end":1526.01,"sentiment":"neutral","sentiment_score":0.057166417688131334},{"text":"We pay a little bit more than we have to on the so I went through I think through you guys, I got on to I think, yeah, I think I rang out you to ask about a banker or, like so I got a banker through you guys who helped us yeah.","start":1526.01,"end":1545.475,"sentiment":"neutral","sentiment_score":0.038292353972792625},{"text":"Mortgage broker who helped us with all our refinancing and everything for our renovation.","start":1545.475,"end":1550.36,"sentiment":"neutral","sentiment_score":0.12368256918021611},{"text":"So we were looking at selling and moving with the kids and stuff like this the the living area and all that just was getting a bit crammed and a bit tight.","start":1550.36,"end":1559.98,"sentiment":"neutral","sentiment_score":-0.07707714370917529},{"text":"But then it was right as the prices all went up.","start":1561.335,"end":1564.615,"sentiment":"neutral","sentiment_score":-0.027117710560560226}],"sentiment":"neutral","sentiment_score":0.011148864370973214,"num_words":115,"start":1523.77,"end":1564.615},{"sentences":[{"text":"So, yeah, our house went we paid $2.50 for this, and they're trying to sell it for $6.50, but then the next house was $707.50 anyway.","start":1564.615,"end":1572.6951,"sentiment":"neutral","sentiment_score":0.057636035462984674},{"text":"So, basically, yeah, you were making technically, you're making $300, but you weren't because you had to buy in the same market.","start":1572.6951,"end":1581.11,"sentiment":"neutral","sentiment_score":0.07188733768734065},{"text":"And then everything we're looking at was like so so, and we're like, look, if we're gonna do it, if we ever wanna do that, we don't ever wanna have to worry about it again.","start":1583.01,"end":1591.555,"sentiment":"neutral","sentiment_score":0.12300907224416732},{"text":"We just got sick of tire kickers coming around.","start":1592.495,"end":1594.895,"sentiment":"negative","sentiment_score":-0.3545548915863037},{"text":"You have to clean up the house, get the kids there, get the dogs there, do all this shit.","start":1594.895,"end":1598.495,"sentiment":"neutral","sentiment_score":-0.31661136056247513}],"sentiment":"neutral","sentiment_score":-0.016407513470800075,"num_words":111,"start":1564.615,"end":1598.495},{"sentences":[{"text":"Every people were coming down.","start":1598.495,"end":1599.935,"sentiment":"neutral","sentiment_score":-0.30415561199188235},{"text":"It just got too much, and we just did not.","start":1599.935,"end":1601.775,"sentiment":"negative","sentiment_score":-0.346905317902565},{"text":"We're done.","start":1601.775,"end":1602.33,"sentiment":"neutral","sentiment_score":-0.14655392616987228},{"text":"So and it was like we looked into it.","start":1603.9299,"end":1606.49,"sentiment":"neutral","sentiment_score":-0.07594914072089726},{"text":"It was like $60,000 in, you know, to buy and sell something, you're paying about $60 in fees and charges.","start":1606.49,"end":1613.1499,"sentiment":"neutral","sentiment_score":-0.1142100915312767}],"sentiment":"neutral","sentiment_score":-0.17936267800953076,"num_words":46,"start":1598.495,"end":1613.1499},{"sentences":[{"text":"All that.","start":1615.45,"end":1616.11,"sentiment":"neutral","sentiment_score":-0.05378324165940285},{"text":"And I ended up doing we did the whole reno, everything we wanted for around I think it might have been 70.","start":1616.6499,"end":1622.9049,"sentiment":"neutral","sentiment_score":0.02528179640119726},{"text":"So for $10 more than just the fees and charges, we've basically got somewhere we can stay for as long as we want now.","start":1622.9049,"end":1629.885,"sentiment":"neutral","sentiment_score":0.18265088088810444},{"text":"Did a few extensions.","start":1631.4701,"end":1632.77,"sentiment":"neutral","sentiment_score":0.21125837042927742},{"text":"Yep.","start":1633.2301,"end":1633.55,"sentiment":"neutral","sentiment_score":0.23935064673423767}],"sentiment":"neutral","sentiment_score":0.11163468504289412,"num_words":53,"start":1615.45,"end":1633.55},{"sentences":[{"text":"So it worked out well.","start":1633.55,"end":1634.5901,"sentiment":"positive","sentiment_score":0.43303725123405457},{"text":"It's just we've got that extra $100 loan now, but that's fine.","start":1634.5901,"end":1640.3501,"sentiment":"neutral","sentiment_score":0.17708675128718218},{"text":"So what we've done is we have 300, I think.","start":1640.3501,"end":1647.065,"sentiment":"neutral","sentiment_score":0.07210264280438423},{"text":"Let me double check.","start":1647.065,"end":1648.285,"sentiment":"neutral","sentiment_score":0.02841269364580512},{"text":"He set it up a bit different.","start":1648.985,"end":1651.645,"sentiment":"neutral","sentiment_score":0.0025045242426650865}],"sentiment":"neutral","sentiment_score":0.13532726694584676,"num_words":38,"start":1633.55,"end":1651.645},{"sentences":[{"text":"So yeah.","start":1654.745,"end":1655.545,"sentiment":"neutral","sentiment_score":0.020771075040102005},{"text":"So we've got $2.92 96 in a fixed home loan, which we we just pay the minimum.","start":1655.545,"end":1666.5901,"sentiment":"neutral","sentiment_score":0.010153943782343584},{"text":"He said just pay the minimum on that because that is a fixed it can't go up.","start":1666.5901,"end":1670.685,"sentiment":"neutral","sentiment_score":-0.08259116354234078},{"text":"It can't go down.","start":1670.685,"end":1671.165,"sentiment":"neutral","sentiment_score":-0.11857830919325352},{"text":"It's just fixed.","start":1671.165,"end":1671.885,"sentiment":"neutral","sentiment_score":-0.03384662109116713}],"sentiment":"neutral","sentiment_score":-0.04106380664851776,"num_words":43,"start":1654.745,"end":1671.885},{"sentences":[{"text":"So just pay the minimum on that for now.","start":1671.885,"end":1673.5651,"sentiment":"neutral","sentiment_score":0.0007065650489595202},{"text":"So we're paying that.","start":1673.5651,"end":1674.7051,"sentiment":"neutral","sentiment_score":0.03521720040589571},{"text":"We have a we have the 100,000 that we borrowed in a variable one.","start":1675.0851,"end":1680.545,"sentiment":"neutral","sentiment_score":0.10464153492024966},{"text":"We also have we we're also paying more into that, and then our actual bank account is an offset to that.","start":1682.045,"end":1690.2001,"sentiment":"neutral","sentiment_score":0.06370608724786767},{"text":"So, basically, what we're trying to do is we're just mashing that 100 as quick as we can and then worry about the rest at a later date or next time he reviews it or whatever for me.","start":1690.26,"end":1702.5449,"sentiment":"neutral","sentiment_score":0.1425101204138053}],"sentiment":"neutral","sentiment_score":0.0972723463241574,"num_words":86,"start":1671.885,"end":1702.5449},{"sentences":[{"text":"So, yeah, that's sort of how we set it up.","start":1702.5449,"end":1705.6849,"sentiment":"neutral","sentiment_score":0.19099743142724038},{"text":"So we've got about we've we've got about $7,000 in savings at the moment.","start":1712.3049,"end":1719.35,"sentiment":"neutral","sentiment_score":0.10881987320525306},{"text":"And we're about well, we're five and a half.","start":1721.73,"end":1724.1499,"sentiment":"neutral","sentiment_score":0.16225563486417136},{"text":"We've got five and a half redraw as well.","start":1724.9299,"end":1727.0099,"sentiment":"neutral","sentiment_score":0.16292605466312832},{"text":"So yeah.","start":1727.0099,"end":1733.9249,"sentiment":"neutral","sentiment_score":0.18333639949560165}],"sentiment":"neutral","sentiment_score":0.1528809214518829,"num_words":44,"start":1702.5449,"end":1733.9249},{"sentences":[{"text":"Probably this time last year sort of thing.","start":1738.785,"end":1740.865,"sentiment":"neutral","sentiment_score":0.033262818586081266},{"text":"The the home line's all 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good.","start":1775.2999,"end":1777.5599,"sentiment":"neutral","sentiment_score":0.29288123382462394},{"text":"Yep.","start":1782.26,"end":1782.76,"sentiment":"neutral","sentiment_score":0.12457165122032166},{"text":"Yep.","start":1788.815,"end":1789.315,"sentiment":"neutral","sentiment_score":0.22213828563690183}],"sentiment":"neutral","sentiment_score":0.11457451792167765,"num_words":28,"start":1771.325,"end":1789.315},{"sentences":[{"text":"Yep.","start":1794.175,"end":1794.255,"sentiment":"neutral","sentiment_score":0.223639652132988},{"text":"Yep.","start":1794.255,"end":1794.755,"sentiment":"neutral","sentiment_score":0.2337457537651062},{"text":"Nah.","start":1800.415,"end":1800.915,"sentiment":"neutral","sentiment_score":-0.05512095242738724},{"text":"Yeah.","start":1805.3099,"end":1805.8099,"sentiment":"neutral","sentiment_score":-0.01153212320059538},{"text":"I think at the moment, it's probably better to just, yeah, have you know, keep making what I'm making because, like, you know, everything's going up.","start":1805.87,"end":1815.835,"sentiment":"neutral","sentiment_score":-0.16778826627593774}],"sentiment":"neutral","sentiment_score":-0.13239208643014233,"num_words":30,"start":1794.175,"end":1815.835},{"sentences":[{"text":"So I don't think I need to put any more away than I need.","start":1815.835,"end":1819.4349,"sentiment":"neutral","sentiment_score":-0.18907632040125982},{"text":"Yeah.","start":1819.4349,"end":1819.9349,"sentiment":"neutral","sentiment_score":0.0942232385277748},{"text":"Yeah.","start":1820.635,"end":1821.135,"sentiment":"neutral","sentiment_score":0.16784945130348206},{"text":"Yep.","start":1821.275,"end":1821.775,"sentiment":"positive","sentiment_score":0.4292002618312836},{"text":"So I have a block of land that we own that's in the region.","start":1832.01,"end":1839.85,"sentiment":"neutral","sentiment_score":0.05676476590867553}],"sentiment":"neutral","sentiment_score":-0.03745447778173031,"num_words":31,"start":1815.835,"end":1839.85},{"sentences":[{"text":"That's two hours away from here.","start":1839.85,"end":1841.5049,"sentiment":"neutral","sentiment_score":0.01413343008607626},{"text":"My parents are up there.","start":1841.5049,"end":1842.625,"sentiment":"neutral","sentiment_score":0.023883245885372162},{"text":"So we've got a block there that we don't owe anything on.","start":1842.625,"end":1845.365,"sentiment":"neutral","sentiment_score":0.0074672232537219925},{"text":"I looked at trying to sell it there a little while ago, but, again, nothing's really happening.","start":1847.0249,"end":1852.465,"sentiment":"neutral","sentiment_score":-0.08800935832893148},{"text":"So it's just sitting there.","start":1852.465,"end":1853.7649,"sentiment":"neutral","sentiment_score":-0.08347496092319488}],"sentiment":"neutral","sentiment_score":-0.03599356460488505,"num_words":45,"start":1839.85,"end":1853.7649},{"sentences":[{"text":"But we do have that.","start":1854.27,"end":1855.49,"sentiment":"neutral","sentiment_score":0.03784414678812027},{"text":"I have some shares of my own, but I don't know.","start":1856.8301,"end":1860.13,"sentiment":"neutral","sentiment_score":-0.0018935640427199278},{"text":"Just everyone was talking about shares.","start":1860.3501,"end":1862.1901,"sentiment":"neutral","sentiment_score":-0.02405732497572899},{"text":"So I bought some and they I don't touch them.","start":1862.1901,"end":1863.9501,"sentiment":"neutral","sentiment_score":-0.04539748653769493},{"text":"I don't even know.","start":1863.9501,"end":1864.67,"sentiment":"neutral","sentiment_score":-0.06356410682201385}],"sentiment":"neutral","sentiment_score":-0.01900510314024157,"num_words":36,"start":1854.27,"end":1864.67},{"sentences":[{"text":"They just sit there and do do whatever.","start":1864.67,"end":1866.53,"sentiment":"neutral","sentiment_score":0.0020723333582282066},{"text":"So I bought that it is let me go.","start":1870.445,"end":1873.565,"sentiment":"neutral","sentiment_score":0.18157848632997936},{"text":"I can tell you exactly whatever you want to know.","start":1873.565,"end":1876.945,"sentiment":"neutral","sentiment_score":0.27881794720888137},{"text":"I also had another I was never gonna ring you guys the other day, but you're probably the best.","start":1877.565,"end":1881.485,"sentiment":"neutral","sentiment_score":0.11212652157011785},{"text":"So it's the ACDC Global West Battery Tech Lithium, I bought them.","start":1881.485,"end":1887.27,"sentiment":"neutral","sentiment_score":0.08383009334405263}],"sentiment":"neutral","sentiment_score":0.1306091301014711,"num_words":58,"start":1864.67,"end":1887.27},{"sentences":[{"text":"And just it's a silly story.","start":1889.9701,"end":1893.25,"sentiment":"neutral","sentiment_score":0.011200772287944952},{"text":"You might laugh at me.","start":1893.25,"end":1894.2101,"sentiment":"neutral","sentiment_score":-0.06151752546429634},{"text":"I just bought them because it said ACDC.","start":1894.2101,"end":1895.99,"sentiment":"neutral","sentiment_score":0.08019025716930628},{"text":"Yeah.","start":1904.735,"end":1905.0549,"sentiment":"neutral","sentiment_score":0.03666784986853599},{"text":"So I've made pretty I've made I've got a mate who's very 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know?","start":1955.2351,"end":1956.1151,"sentiment":"neutral","sentiment_score":0.004413693584501744}],"sentiment":"neutral","sentiment_score":0.0459816845585451,"num_words":33,"start":1941.69,"end":1956.1151},{"sentences":[{"text":"What do you need to know?","start":1956.1151,"end":1956.8351,"sentiment":"neutral","sentiment_score":-0.016073224134743214},{"text":"What would you like to know?","start":1956.8351,"end":1958.135,"sentiment":"neutral","sentiment_score":-0.0026580862080057464},{"text":"Like, the market value?","start":1961.9551,"end":1963.175,"sentiment":"neutral","sentiment_score":0.023774805944412947},{"text":"1,600?","start":1965.7151,"end":1966.775,"sentiment":"neutral","sentiment_score":0.03883369266986847},{"text":"Yeah.","start":1973.43,"end":1973.67,"sentiment":"neutral","sentiment_score":0.08597932755947113}],"sentiment":"neutral","sentiment_score":0.005973576775027646,"num_words":18,"start":1956.1151,"end":1973.67},{"sentences":[{"text":"Well, it says gain and loss.","start":1973.67,"end":1975.37,"sentiment":"neutral","sentiment_score":0.0709259348611037},{"text":"680, 62% or something up.","start":1975.67,"end":1979.6901,"sentiment":"neutral","sentiment_score":0.08160519152879715},{"text":"Yeah.","start":1981.59,"end":1982.09,"sentiment":"neutral","sentiment_score":0.1188487857580185},{"text":"I only put a thousand I only brought a thousand dollars because it was a a couple of years ago.","start":1983.565,"end":1987.965,"sentiment":"neutral","sentiment_score":0.024118132703006268},{"text":"That's just I just went on.","start":1987.965,"end":1988.9249,"sentiment":"neutral","sentiment_score":0.036490981777509056}],"sentiment":"neutral","sentiment_score":0.043519444665626475,"num_words":38,"start":1973.67,"end":1988.9249},{"sentences":[{"text":"Yeah.","start":1988.9249,"end":1989.4249,"sentiment":"neutral","sentiment_score":0.14863339066505432},{"text":"That'll 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good.","start":2007.4601,"end":2013.875,"sentiment":"neutral","sentiment_score":-0.23510571483236092},{"text":"That's terrible.","start":2013.875,"end":2014.615,"sentiment":"negative","sentiment_score":-0.6838815212249756},{"text":"That's cost that's I've lost money on that.","start":2015.4751,"end":2017.635,"sentiment":"negative","sentiment_score":-0.46083836257457733},{"text":"But the ACDC has made up for it a little bit.","start":2017.635,"end":2020.535,"sentiment":"neutral","sentiment_score":-0.16456384008580988}],"sentiment":"neutral","sentiment_score":-0.21515578874028646,"num_words":65,"start":1999.62,"end":2020.535},{"sentences":[{"text":"But, yeah, if they find gold, we'll be right, but they don't tend to be finding any gold.","start":2022.275,"end":2026.87,"sentiment":"neutral","sentiment_score":-0.07096948619518015},{"text":"So no.","start":2027.53,"end":2029.3501,"sentiment":"neutral","sentiment_score":-0.09934717416763306},{"text":"But a question I did have, I was gonna ring the other day because you guys look after the stocks because share for people because you sort of do that with my super anyway, really.","start":2029.4901,"end":2042.655,"sentiment":"neutral","sentiment_score":0.0701225008815527},{"text":"I have bank accounts for the kids.","start":2044.7151,"end":2049.375,"sentiment":"neutral","sentiment_score":0.08455241045781545},{"text":"Just not bank accounts.","start":2050.49,"end":2051.93,"sentiment":"neutral","sentiment_score":0.012192861875519156}],"sentiment":"neutral","sentiment_score":0.024526981086554853,"num_words":66,"start":2022.275,"end":2051.93},{"sentences":[{"text":"So just in my bank, I have three separate accounts for the kids.","start":2051.93,"end":2056.91,"sentiment":"neutral","sentiment_score":0.05430305347992824},{"text":"And I I transfer every week on payday, $10 comes out.","start":2057.45,"end":2061.8499,"sentiment":"neutral","sentiment_score":0.07347581772641702},{"text":"Every every pay every pay rate, $10 for each of them comes out and goes into an account.","start":2061.8499,"end":2066.205,"sentiment":"neutral","sentiment_score":0.06552856291333835},{"text":"I obviously make a bit of interest off them, but not a lot.","start":2068.025,"end":2072.125,"sentiment":"neutral","sentiment_score":-0.005506463635426306},{"text":"I wasn't sure whether it's worth maybe moving their money or when it's, like, buying shares or doing something with them to try and make to try and get more money or if that makes sense, is what I'm trying to say.","start":2073.385,"end":2090.885,"sentiment":"neutral","sentiment_score":-0.048643534182615224}],"sentiment":"neutral","sentiment_score":0.005969849069477971,"num_words":97,"start":2051.93,"end":2090.885},{"sentences":[{"text":"Yep.","start":2098.625,"end":2099.125,"sentiment":"neutral","sentiment_score":0.058335840702056885},{"text":"So Pat, my oldest son, I started it when he was born.","start":2103.78,"end":2107.54,"sentiment":"neutral","sentiment_score":0.15830497474720082},{"text":"He's got $2,000 in there now.","start":2107.54,"end":2109.72,"sentiment":"positive","sentiment_score":0.37044891715049744},{"text":"And my daughter's got 1,500, and William, the youngest, he's got $30.","start":2111.78,"end":2117.56,"sentiment":"neutral","sentiment_score":0.23282353083292642},{"text":"But yeah.","start":2120.205,"end":2121.245,"sentiment":"neutral","sentiment_score":0.03358803316950798}],"sentiment":"neutral","sentiment_score":0.2133862871789571,"num_words":33,"start":2098.625,"end":2121.245},{"sentences":[{"text":"So he got I put it in the reward saver sort of thing, and I don't touch it.","start":2121.245,"end":2125.965,"sentiment":"neutral","sentiment_score":0.07660775755842526},{"text":"So Pat got $7 interest the other day.","start":2125.965,"end":2130.0452,"sentiment":"neutral","sentiment_score":0.1059091305360198},{"text":"It's obviously going up as money 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fine.","start":2355.345,"end":2355.825,"sentiment":"neutral","sentiment_score":-0.047836968675255775},{"text":"That's why I just thought yeah.","start":2355.825,"end":2357.8298,"sentiment":"neutral","sentiment_score":-0.05486558750271797},{"text":"Because obviously, the more money I put, like, as it keeps going and going and going, the interest will obviously go up.","start":2357.8298,"end":2363.6099,"sentiment":"neutral","sentiment_score":-0.20364369519732214},{"text":"And then I was like, do I just join them instead of having three different accounts?","start":2364.8699,"end":2368.39,"sentiment":"neutral","sentiment_score":-0.07357649761252105},{"text":"So I just do one account, but then it gets messy, I suppose.","start":2368.39,"end":2372.8948,"sentiment":"neutral","sentiment_score":-0.16384829294223052}],"sentiment":"neutral","sentiment_score":-0.13919119536876678,"num_words":59,"start":2355.345,"end":2372.8948},{"sentences":[{"text":"It can get messy at the end when you try to 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before the last bank day of the month or something, you get the full interest of that month or something like that.","start":2403.515,"end":2417.3901,"sentiment":"neutral","sentiment_score":0.11696141037870855},{"text":"Yep.","start":2417.3901,"end":2417.8901,"sentiment":"neutral","sentiment_score":0.3163589835166931},{"text":"So I've just got a direct debit straight out of my pay every week, $10, $10, $10, and it's just been slowly building up.","start":2418.11,"end":2426.19,"sentiment":"neutral","sentiment_score":0.2569632331530253}],"sentiment":"neutral","sentiment_score":0.16093762669261996,"num_words":91,"start":2399.24,"end":2426.19},{"sentences":[{"text":"So yeah.","start":2426.19,"end":2427.18,"sentiment":"positive","sentiment_score":0.3401721119880676},{"text":"We'll just keep doing 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look.","start":2483.595,"end":2494.89,"sentiment":"neutral","sentiment_score":0.06509263184335497}],"sentiment":"neutral","sentiment_score":0.06842001847922802,"num_words":50,"start":2481.675,"end":2494.89},{"sentences":[{"text":"We offer all these services and you're already paying, so you ring us and you ask us any of it.","start":2494.97,"end":2498.97,"sentiment":"neutral","sentiment_score":0.13153249584138393},{"text":"I said, right.","start":2498.97,"end":2499.7898,"sentiment":"neutral","sentiment_score":0.09988548358281453},{"text":"So 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you just keep working for him forever, which isn't a bad thing either.","start":3072.465,"end":3078.165,"sentiment":"neutral","sentiment_score":-0.24627192398267134}],"sentiment":"neutral","sentiment_score":-0.14056426079736817,"num_words":18,"start":3059.76,"end":3078.165},{"sentences":[{"text":"Yeah.","start":3078.6099,"end":3079.1099,"sentiment":"neutral","sentiment_score":0.013628404587507248},{"text":"Which isn't a bad thing either.","start":3079.17,"end":3080.8699,"sentiment":"neutral","sentiment_score":-0.12225926791628201},{"text":"Yeah.","start":3081.01,"end":3081.51,"sentiment":"neutral","sentiment_score":-0.0229954831302166},{"text":"Oh, no.","start":3081.97,"end":3082.21,"sentiment":"neutral","sentiment_score":-0.11338235437870026},{"text":"And so, yeah, I've done all my licenses, and I've got it already there to send 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okay.","start":3394.5298,"end":3395.67,"sentiment":"neutral","sentiment_score":0.07732532918453217}],"sentiment":"neutral","sentiment_score":0.05830622874200344,"num_words":10,"start":3383.905,"end":3395.67},{"sentences":[{"text":"Yep.","start":3398.21,"end":3398.625,"sentiment":"neutral","sentiment_score":0.057337116450071335},{"text":"Yep.","start":3399.025,"end":3399.345,"sentiment":"neutral","sentiment_score":0.042256712913513184},{"text":"No.","start":3399.345,"end":3399.505,"sentiment":"neutral","sentiment_score":-0.08297181129455566},{"text":"That's all.","start":3399.505,"end":3400.145,"sentiment":"neutral","sentiment_score":-0.04555503465235233},{"text":"Yep.","start":3400.145,"end":3400.465,"sentiment":"neutral","sentiment_score":0.05142896994948387}],"sentiment":"neutral","sentiment_score":-0.0038431802143653235,"num_words":6,"start":3398.21,"end":3400.465},{"sentences":[{"text":"That's all gone through.","start":3400.465,"end":3401.585,"sentiment":"neutral","sentiment_score":0.14817171730101109},{"text":"It's all sitting there.","start":3401.585,"end":3402.725,"sentiment":"neutral","sentiment_score":0.04445039248093963},{"text":"Yep.","start":3404.385,"end":3404.885,"sentiment":"neutral","sentiment_score":0.13683339953422546},{"text":"And I dropped?","start":3405.345,"end":3406.245,"sentiment":"neutral","sentiment_score":0.18858144183953604},{"text":"Yep.","start":3410.705,"end":3411.205,"sentiment":"neutral","sentiment_score":0.03409309685230255}],"sentiment":"neutral","sentiment_score":0.11593532777176453,"num_words":13,"start":3400.465,"end":3411.205},{"sentences":[{"text":"No, mate.","start":3412.94,"end":3413.38,"sentiment":"neutral","sentiment_score":-0.09371515177190304},{"text":"I think that's it.","start":3413.38,"end":3414.0598,"sentiment":"neutral","sentiment_score":-0.08912274055182934},{"text":"I'll I'll let you go and do some more.","start":3414.0598,"end":3417.42,"sentiment":"neutral","sentiment_score":0.0529131263287531},{"text":"Talk to some other people.","start":3417.42,"end":3418.38,"sentiment":"neutral","sentiment_score":0.07319750189781189},{"text":"I've held you for nearly an hour now.","start":3418.38,"end":3420.0598,"sentiment":"neutral","sentiment_score":0.06793728657066822}],"sentiment":"neutral","sentiment_score":0.03006366690221642,"num_words":28,"start":3412.94,"end":3420.0598},{"sentences":[{"text":"So yeah.","start":3420.0598,"end":3420.7998,"sentiment":"neutral","sentiment_score":0.13052085041999817},{"text":"Yep.","start":3423.42,"end":3423.92,"sentiment":"neutral","sentiment_score":0.1915164589881897},{"text":"Yep.","start":3424.38,"end":3424.88,"sentiment":"neutral","sentiment_score":0.19287727773189545},{"text":"Yep.","start":3425.5251,"end":3426.0251,"sentiment":"positive","sentiment_score":0.6512920260429382},{"text":"Awesome, mate.","start":3435.445,"end":3436.425,"sentiment":"positive","sentiment_score":0.8572182357311249}],"sentiment":"positive","sentiment_score":0.4301662764378956,"num_words":7,"start":3420.0598,"end":3436.425},{"sentences":[{"text":"Beautiful.","start":3436.485,"end":3436.965,"sentiment":"positive","sentiment_score":0.8852003812789917},{"text":"Thank you.","start":3436.965,"end":3437.705,"sentiment":"positive","sentiment_score":0.86346834897995},{"text":"Alright.","start":3441.187,"end":3441.587,"sentiment":"positive","sentiment_score":0.3760140836238861},{"text":"Thanks, mate.","start":3441.587,"end":3442.147,"sentiment":"positive","sentiment_score":0.7202332317829132},{"text":"Cheers.","start":3442.147,"end":3442.387,"sentiment":"positive","sentiment_score":0.6978256702423096}],"sentiment":"positive","sentiment_score":0.7323490423815591,"num_words":7,"start":3436.485,"end":3442.387},{"sentences":[{"text":"Have a good day.","start":3442.387,"end":3443.2869,"sentiment":"positive","sentiment_score":0.6150635182857513}],"sentiment":"positive","sentiment_score":0.6150635182857513,"num_words":4,"start":3442.387,"end":3443.2869}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Grant. It's Tommy here, senior adviser from Oakview Financial, mate. How are you doing?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm doing fantastic. Mate, I was just giving you a call because we were trying to organize a bit of an annual review with you, and you did\n\nChannel 1: Yep.\n\nChannel 0: mention that you might have a bit of time yesterday and today.\n\nChannel 1: Yep.\n\nChannel 0: I did have a a slot open up for the next hour or so if you if you still had a bit of time for me potentially.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Awesome. Fantastic. So what I've got coming through to you is I'm gonna email through, like, an annual review pack with all of your, like, your performance, updated services guides, certificate of currency for your insurances to your Yahoo email. Is that still your current email,\n\nChannel 1: Yep.\n\nChannel 0: mate?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. If you do have a bit of time for me, I just need to go through a quick security check if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So I'm registered with ASIC as Adviser 1273105. Could you please confirm your date of birth and address?\n\nChannel 1: Thirteen twelve nineteen ninety. 21 Fitzgerald Street, Bandsdale.\n\nChannel 0: Fantastic. Really appreciate that. I'm gonna shoot this pack through to you now just so you've got it on record.\n\nChannel 1: Yep.\n\nChannel 0: Do you have access to look onto your emails with me today, or do you want me to just kinda walk through what's in the pack?\n\nChannel 1: Yes. I'm I'm on oh, well, yeah. I can look on my phone if if loud speakers are up.\n\nChannel 0: Yeah. No. That's fine. It's more just to go through that performance and insurances together just so you can\n\nChannel 1: Yep.\n\nChannel 0: sort of see what I'm seeing. But whatever's easier for you, mate. I I'm happy to sort of switch it around.\n\nChannel 1: Yep. No. That's right. Well, yeah, I'm on layout speaking now, so as long as that doesn't bother you.\n\nChannel 0: I can\n\nChannel 1: And\n\nChannel 0: hear\n\nChannel 1: have\n\nChannel 0: you loud\n\nChannel 1: a bit\n\nChannel 0: and\n\nChannel 1: of\n\nChannel 0: clear.\n\nChannel 1: a\n\nChannel 0: Am\n\nChannel 1: look.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: coming through okay?\n\nChannel 1: Yep.\n\nChannel 0: Awesome. So I'm popping that through now. Because we've switched to a new system, it's coming through from our new CRM, which is called Odoo. It may\n\nChannel 1: Okay.\n\nChannel 0: come through to your spam box or your main inbox. It usually is pretty well instant. I have had a couple of people where it took a few\n\nChannel 1: Yep.\n\nChannel 0: minutes, so just let me know if that comes through. Okay? Awesome. Awesome. Awesome.\n\nAnd are you okay for the call to be recorded?\n\nChannel 1: Yes. Fine.\n\nChannel 0: Fantastic. And how have you been, mate?\n\nChannel 1: Yeah. Good. Good. Not too much. Can't complain.\n\nJust get\n\nChannel 0: Can't\n\nChannel 1: through\n\nChannel 0: complain.\n\nChannel 1: the phone.\n\nChannel 0: Well, it's on fire, and everything's going steady for you.\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Good\n\nChannel 1: I'm\n\nChannel 0: to hear.\n\nChannel 1: a bit\n\nChannel 0: Good\n\nChannel 1: of\n\nChannel 0: to\n\nChannel 1: a\n\nChannel 0: hear.\n\nChannel 1: bit of a weirdo. I don't I like a bit of chaos sometimes. Just entertain.\n\nChannel 0: Just makes life a bit more interesting. What's life\n\nChannel 1: Yeah.\n\nChannel 0: without a bit of drama?\n\nChannel 1: Well, yeah. Why not?\n\nChannel 0: Absolutely, Grant. Is there anything in particular that you were sort of hoping to get out of this year's review just so I can kind of tailor things a bit?\n\nChannel 1: No. Not real. I have had a bit of prob no. I don't know if it's a problem. Oh, yeah.\n\nI've got it now. It just popped up. Don't know if it's a problem, but my insurance stuff, which you guys are looking after, but it's through ClearView.\n\nChannel 0: Yes. That's what I wanted to talk to you about today.\n\nChannel 1: I've had a few, like, I don't know, back of like, they they they sent me something saying, like, I hadn't renewed, and then I was like, oh, I don't know what's going on. And then I rang I spoke to someone on your end, and he's they're like, yeah. No. It's all good. I'll let you know in a couple of days.\n\nNever heard anything back. It was, like, three months. And I'm like, so what's the go? And they're like, yeah. No.\n\nIt should be all fine. And then I just got a letter in the mail the other day saying something about the premium or something. Something got missed or something didn't work, so they're gonna have\n\nChannel 0: Yeah.\n\nChannel 1: to take more out or something like that. So that's the only drama I've had because it's sort of been a bit I'm just sort of not sure what's going on. So\n\nChannel 0: You're kind of left in the dark a little bit, and it's been\n\nChannel 1: as long\n\nChannel 0: a\n\nChannel 1: as\n\nChannel 0: bit\n\nChannel 1: it's\n\nChannel 0: all\n\nChannel 1: all\n\nChannel 0: over\n\nChannel 1: sorted\n\nChannel 0: the shop.\n\nChannel 1: and whatever and I'm not paying more than I have to or it's still all good, I'm I'm alright with it. But, yeah, I just sorta it's just sorta a bit of backwards and forwards, and I had no no idea what was going on. But I don't need to as long as you guys have got a little under control. But, yeah, that's\n\nChannel 0: Yeah.\n\nChannel 1: that's the only drama I've had, really.\n\nChannel 0: Now I'm glad that you mentioned it because that's why I was hoping to catch you today because we called them up today. I like to do a bit of a a deep dive I do a review just to make sure I can see everything as an adviser.\n\nChannel 1: Yeah.\n\nChannel 0: And I have confirmed it's all enforced. All the policies are still there. You're still\n\nChannel 1: Yeah.\n\nChannel 0: insured, protected, all that kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: What ended up happening so they had a the whole Clearview company, they're, like, top three biggest insurer in Australia. They had a a systems error around Christmas time, and\n\nChannel 1: Yep.\n\nChannel 0: no payments came in from anybody. So what happens,\n\nChannel 1: Yep.\n\nChannel 0: they cleared that up over Christmas, and the rollover came through from the super for, like, your life insurance, disability, income protection.\n\nChannel 1: Yep.\n\nChannel 0: But what you've recently received was for your trauma cover. That's like your heart attack, stroke, and cancer, and\n\nChannel 1: Yep.\n\nChannel 0: your your income protection definition, which you've got\n\nChannel 1: Yep.\n\nChannel 0: out of pocket. They've got a premium set to come out on the April 27. So what's happened, because of all the issues that happened in in November, December, they haven't taken out that monthly I think it's 45 a month\n\nChannel 1: Yep.\n\nChannel 0: that they were\n\nChannel 1: Okay.\n\nChannel 0: taking out. They didn't take it out in December, January, February, and March.\n\nChannel 1: Yep.\n\nChannel 0: And that's what they've sent you, that they're gonna try and debit that on the '20\n\nChannel 1: Yep.\n\nChannel 0: April 7. They did I spoke to them just before, and my team called them up. They did waive a month's premiums for the error because they wanted to\n\nChannel 1: Yep.\n\nChannel 0: sort of apologize to every single client that they have, but that\n\nChannel 1: Yep.\n\nChannel 0: is set to come out on the twenty seventh.\n\nChannel 1: Yep. Nah. That's sort of what the the letter said, but it was, like, 500 and it said 5 I think it said $500 or something, but maybe that's, like, the full total. I I'm not sure. But yeah.\n\nI'm pretty sure yeah. That's base what you're saying is basically what I read in the email. It didn't explain it very well.\n\nChannel 0: Yeah. No. That's perfect. You explained it perfectly\n\nChannel 1: But the\n\nChannel 0: well.\n\nChannel 1: number was about the I'm I'm sure it was, like, $5.25 or something, it said,\n\nChannel 0: 5\n\nChannel 1: that\n\nChannel 0: 20\n\nChannel 1: was gonna\n\nChannel 0: 5.\n\nChannel 1: be debited or something like that unless I'm completely wrong, but I'm pretty sure that's what the letter in the mail said.\n\nChannel 0: I'm gonna go on to the online letters from Clearview and see if I can find it. It should be they've told us today 25360.\n\nChannel 1: Yep.\n\nChannel 0: If it's $5.25, I'm gonna find out straight away.\n\nChannel 1: Because\n\nChannel 0: That\n\nChannel 1: I'm\n\nChannel 0: may have been for\n\nChannel 1: they\n\nChannel 0: the\n\nChannel 1: come\n\nChannel 0: other\n\nChannel 1: in\n\nChannel 0: cover\n\nChannel 1: the\n\nChannel 0: through\n\nChannel 1: post.\n\nChannel 0: the super.\n\nChannel 1: So unless I may have misunderstood it. Maybe they've done this or that. Maybe that's my whole year, maybe. Or I don't know. I'm not sure.\n\nBut, yeah,\n\nChannel 0: Oh,\n\nChannel 1: I'm\n\nChannel 0: yeah.\n\nChannel 1: I'm\n\nChannel 0: Because\n\nChannel 1: sure the I'm sure the letter said\n\nChannel 0: five\n\nChannel 1: five\n\nChannel 0: twenty five.\n\nChannel 1: '25 or May or something like that. And that April 27, that date, it was definitely on there. That stuck out to me. I remember reading that.\n\nChannel 0: Yeah. Yep. And maybe it's because there's the two policies. So there would be a couple of things. Right?\n\nThe anniversary was in November. So they tell you, here's your updated policy for a year, which may have said that 05/25, and\n\nChannel 1: Yep.\n\nChannel 0: then you've got the debit that they're trying to catch up on.\n\nChannel 1: Possibly.\n\nChannel 0: So I'll try\n\nChannel 1: Yeah.\n\nChannel 0: and double check all of that for you after this call, and I'll\n\nChannel 1: Yep.\n\nChannel 0: send you a bit of a text as well because I wanna make sure nothing happens out of the blue without you knowing about it.\n\nChannel 1: Yep.\n\nChannel 0: Let me just have a look here. Yeah. Premium came out of the super okay. I'm thinking that's the anniversary premium, so I'm just gonna message my team quickly. Can you please check anniversary notice and total yearly premium for 2026.\n\nAwesome. I will figure that out for you and let you know.\n\nChannel 1: Yep.\n\nChannel 0: Just to kind of review that cover a little bit because you've got pretty well, like, a full suite. Like, everything is protected. You've\n\nChannel 1: Yep.\n\nChannel 0: got life insurance, that's 758,000 worth of\n\nChannel 1: Yep.\n\nChannel 0: cover. It's, like, $7.92 a year. Not too bad. As far as what that covers, so, obviously, your your mortgage is cleared because last time, I think, we had it about $2.60. Has that gone down a lot?\n\nChannel 1: No. So I've just I recently did some renovations,\n\nChannel 0: Yeah.\n\nChannel 1: and we we did some refinancing and what. So I roughly I I owe probably around $3.03 80 or something, $3.90, 400, something like that.\n\nChannel 0: Yeah. Yep. So we'll call it in the middle there about $3.90 owing. So\n\nChannel 1: Yep.\n\nChannel 0: what that basically means is that let's say you can never work again. You're in\n\nChannel 1: Yep.\n\nChannel 0: a car accident. You're you're knocked out for life.\n\nChannel 1: Yep.\n\nChannel 0: That clears your mortgage, leaves you with about $3.53 60, and then your super on top, which is getting closer to the $100 market sitting at $87.00 5\n\nChannel 1: Yep.\n\nChannel 0: 6. So\n\nChannel 1: Yep.\n\nChannel 0: call it a little over $400 plus the mortgage paid off. That's kind of the situation you're looking at.\n\nChannel 1: Yep.\n\nChannel 0: Do you need me to look at increasing that to cover the extra debt, or are you happy with that amount?\n\nChannel 1: Yeah. I think I'm I think I'm happy. I guess it.\n\nChannel 0: Yep. The way I kinda work it out, and it's like a just a little bit of a work back, is let's say you've got, like, that $3.90 there. It equates to I think we had your income at about $80. Has that gone up?\n\nChannel 1: No. It sounds about right, I think.\n\nChannel 0: Yep.\n\nChannel 1: Let's see. I'm just trying to find\n\nChannel 0: So\n\nChannel 1: yeah.\n\nChannel 0: I reckon\n\nChannel 1: That that sounds\n\nChannel 0: taking into account tax, you're probably looking at, like, mortgage cleared and five years worth of expenses covered plus your\n\nChannel 1: Yep.\n\nChannel 0: income protection on top.\n\nChannel 1: Yep.\n\nChannel 0: That sound alright?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. What about house value? Is that skyrocketed along with everybody else's?\n\nChannel 1: Yeah. So before we did the here's one of me here's one of me things here. This might be my last pay slip. It says my last pay slip of last financial year, I think, was around 93. That's\n\nChannel 0: 93.\n\nChannel 1: that's the gross earning gross earning.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Last\n\nChannel 1: So\n\nChannel 0: financial\n\nChannel 1: I was like\n\nChannel 0: year.\n\nChannel 1: I was like I think I was around the 70 sorta take home.\n\nChannel 0: And is that a lot of, like, overtime on top, or is that just kind of hourly base rate\n\nChannel 1: I\n\nChannel 0: full\n\nChannel 1: do\n\nChannel 0: time?\n\nChannel 1: I do do overtime, but I wouldn't say I'm a very high overtime. It might only it might be an hour, maybe. One one or two hours here every week or make and some weeks none. So yeah. Maybe if you if you've worked it over a month, I might do maybe four or five hours a month maybe extra.\n\nChannel 0: Okay. So would that\n\nChannel 1: Yep.\n\nChannel 0: work out then saying, like, our base income of about $80 total income about 90 per year with just a little bit of extra, or is that would you say that's\n\nChannel 1: So if we just look at that again.\n\nChannel 0: inaccurate?\n\nChannel 1: So yeah. Well, I could probably even see what it probably nearly tells me. So it says for that financial so it says 93,000\n\nChannel 0: Mhmm.\n\nChannel 1: and then it says my password's got all this on there. It says 70,000, which was my normal hours, and then it actually says here 4,700 overtime.\n\nChannel 0: Okay.\n\nChannel 1: So I only yeah. I only did 4 well, yeah, nearly 4 and a half thousand dollars worth of overtime for the last financial year.\n\nChannel 0: Yeah. Right. So it's more close to, like, 86 or something like that.\n\nChannel 1: Yep.\n\nChannel 0: And what I might do too is you're you're still working for Paul Bills Plumbing and Gas. I can see that's\n\nChannel 1: Yep.\n\nChannel 0: still coming through. Your\n\nChannel 1: Yep.\n\nChannel 0: contributions are basically the same every single time, which is really helpful because that basically\n\nChannel 1: Yep.\n\nChannel 0: tells me is this fortnightly we've got, oh, jeez, they're a little bit a little bit all over the shop. Let me just check this. $206.47 comes in. I'm gonna\n\nChannel 1: Yep.\n\nChannel 0: get her let's go fortnightly for a second. Provide that back. No. That's not right. We'll do weekly.\n\nYeah. There we go. So if I work that back as a weekly, which is really good because they've made those changes where the employees have to pay them in line with your pay cycle\n\nChannel 1: Yep.\n\nChannel 0: into your super. So previously, quarterly, you'd have to wait three months for the super to come in. These guys are paying you basically every week, and\n\nChannel 1: Yep.\n\nChannel 0: it works back to be an income of around about 89,000, and then you've said around $4 of overtime.\n\nChannel 1: Yep.\n\nChannel 0: So that actually works back pretty well perfectly.\n\nChannel 1: Yep.\n\nChannel 0: 4\n\nChannel 1: Yeah.\n\nChannel 0: k.\n\nChannel 1: My my the office lady, which is my boss's wife, she's pretty good. She's under everything. So\n\nChannel 0: Yeah. They're they're really doing the right thing. Most people are waiting until they're forced to do it, but these guys have done it pretty well straight away.\n\nChannel 1: yep.\n\nChannel 0: And it's really helpful for super because, basically, what it means is have you ever heard of dollar cost averaging before?\n\nChannel 1: Well, not not that, but the way I understand it is, like, if you're getting your super paid monthly, then you're only getting interest or something every month, whereas now I get interest every week or something like that. Is that sorta?\n\nChannel 0: Yeah. It's like invested earlier and invested for longer.\n\nChannel 1: Yep.\n\nChannel 0: And the flip side to it, which is really handy, is in the current situation when the stock market's going up and down like a yo yo because there's a war and a oil crisis and interest rates going crazy, if the market dips and you've got all these contributions coming in\n\nChannel 1: Yep.\n\nChannel 0: weekly, you get to buy up all these shares, property, gold for a cheaper price straight\n\nChannel 1: Oh,\n\nChannel 0: away,\n\nChannel 1: yeah. Then the next\n\nChannel 0: and\n\nChannel 1: week,\n\nChannel 0: you're\n\nChannel 1: it\n\nChannel 0: not\n\nChannel 1: goes\n\nChannel 0: missing\n\nChannel 1: up and\n\nChannel 0: a\n\nChannel 1: you've\n\nChannel 0: buying\n\nChannel 1: made money\n\nChannel 0: opportunity.\n\nChannel 1: and then yeah.\n\nChannel 0: Yeah. Exactly right. So that just means that you don't miss out as many buying opportunities.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Smooths your returns out, which is really good.\n\nChannel 1: Yep.\n\nChannel 0: So that's looking pretty cool. Now I'm just having a look sort of goals wise. Mainly, everything we had noted down was just paying off the mortgage. You've done\n\nChannel 1: Yep.\n\nChannel 0: some renovations. What's kind of on the cards for you guys the next few months?\n\nChannel 1: No. Just keep I don't know. Just basic basic living, I suppose. Just had another baby. So\n\nChannel 0: Congrats. Is that number three?\n\nChannel 1: three. Yep. Get through that. So he's only what'll be tomorrow will be three weeks old. That's why I'm actually at home at the moment.\n\nChannel 0: Okay. Three\n\nChannel 1: So\n\nChannel 0: weeks\n\nChannel 1: I go\n\nChannel 0: old.\n\nChannel 1: back to work Monday, but I'll be only doing sort of, like, half days because I gotta do I I gotta do kinder and day care pickup and drop off until my wife's cleared to drive. So we have to have a cesarean or whatever, so she can't drive for six weeks\n\nChannel 0: Oh,\n\nChannel 1: or\n\nChannel 0: yeah.\n\nChannel 1: something like that. So I have to stay home because of the school holidays because everyone's home. There's no kinder. And\n\nChannel 0: Yep.\n\nChannel 1: then, hopefully, yeah, I'll just be sort of doing, you know, nine till 02:30 sort of thing. But, yeah, back into it. And then, yeah, they get through that, and then, I don't know, really just, yeah, keep paying off the house, keep keep living, see what happens with the world, and go from\n\nChannel 0: Keep\n\nChannel 1: there.\n\nChannel 0: tracking along.\n\nChannel 1: Yeah. I've never\n\nChannel 0: That's awesome,\n\nChannel 1: been more\n\nChannel 0: dude.\n\nChannel 1: happier to have a work car and a fuel car. I don't know that much.\n\nChannel 0: Absolutely. Absolutely. Is yours a bit of a fuel guzzler?\n\nChannel 1: No. It's not too bad. And, like, I haven't been driving too much at the moment, but, yeah, it's just, like, it's just something I don't have to format for our personal car, which is just a run around town car. Obviously, we pay for, but\n\nChannel 0: Yeah.\n\nChannel 1: I'm driving for work and having a fuel card, and I drive that, you know, on the weekends and stuff if I go somewhere. So it's pretty handy at the minute.\n\nChannel 0: That's awesome, dude. I've got I've got two boys, myself, and a girl on the way in July.\n\nChannel 1: Yep.\n\nChannel 0: How have the the older siblings been with the newborn?\n\nChannel 1: Really good. Too too good. Too good. They they they they love him too much. They're all like, like yeah.\n\nDon't give him any space. You try and put him on the floor for a bit of wriggle, and they're they're all over him and yeah.\n\nChannel 0: Yep.\n\nChannel 1: So but, no, they've\n\nChannel 0: And\n\nChannel 1: they've been\n\nChannel 0: how old\n\nChannel 1: really\n\nChannel 0: are the\n\nChannel 1: good.\n\nChannel 0: other two?\n\nChannel 1: Four and two.\n\nChannel 0: Four and two. Wow. You got\n\nChannel 1: Yep.\n\nChannel 0: the the gap perfect, mate.\n\nChannel 1: Nearly well, yeah. The my daughter will be three in July, and my son will be five in August. So yeah. But at the moment, yeah, four and a half, two and a half sort of thing.\n\nChannel 0: Awesome.\n\nChannel 1: Yep.\n\nChannel 0: So did you say two sons and a daughter?\n\nChannel 1: Yep. Boy, girl,\n\nChannel 0: Perfect.\n\nChannel 1: boy.\n\nChannel 0: Oh, boy. Amazing.\n\nChannel 1: Yep.\n\nChannel 0: Amazing. Amazing. And so Roxanne's okay after the C section, just recovering normally, nothing\n\nChannel 1: Yep. She's\n\nChannel 0: too crazy?\n\nChannel 1: all fine. Yeah. All traveling nicely as yeah. So yeah. All good.\n\nThat's why I'm gonna hopefully get back to work. But, yeah, I just have to do the bloody pickup and drop off stuff, but that's alright for the next few weeks, and then I'll be back into it again.\n\nChannel 0: Amazing. Amazing. I'm checking a few other things here.\n\nChannel 1: Mhmm.\n\nChannel 0: We were still aiming towards, like, a age 67 retirement. Obviously, earlier would be nice too.\n\nChannel 1: Yep.\n\nChannel 0: Nothing too crazy on the cards. Your estate planning is looking alright too. I think you've got Roxy is listed as your beneficiary for the super,\n\nChannel 1: Yep.\n\nChannel 0: so that's all good to go. It's on lapping, so it doesn't expire. I'm gonna double check that it's on the life insurance just in case, but that\n\nChannel 1: Yep.\n\nChannel 0: should be sweet. You do also have so with your income protection, you've got a thirty day waiting period. So if you're out of work\n\nChannel 1: Yep.\n\nChannel 0: for more than a month, it kicks in, and they cover you monthly for up to five years.\n\nChannel 1: Yep.\n\nChannel 0: So if I work back, you're covered for 5,683 a month.\n\nChannel 1: Mhmm.\n\nChannel 0: And if I work that back at 70% actually, when did you get that policy? 2017.\n\nChannel 1: Ages ago. So this is yeah. This is the thing. I think when\n\nChannel 0: Amazing.\n\nChannel 1: maybe last year or the year before, I I think when we reviewed it, whoever I reviewed it with, it was like a I pay I pay a bit more or something like that. But because I've had it for so long, the benefits that I have of having it so long outweigh the little bit extra that I pay or something like that, like, massively.\n\nChannel 0: Yeah. Because what happened in 2021 is that the government actually restricted income protection to a maximum of 70% of your\n\nChannel 1: Yep.\n\nChannel 0: income. Your policy is before that, so it's 75 which gives you that little bit of a buffer that you\n\nChannel 1: Yep.\n\nChannel 0: can always be kind of that extra little bit covered, and\n\nChannel 1: Yep.\n\nChannel 0: that can pay a little bit extra. So if I work back your current cover amount at 75%, it's covering an income of about $91,\n\nChannel 1: Yep. Good.\n\nChannel 0: which is kind of perfect. Gives you that extra, you know, 600 a month because 70% for most people just get some buy on expenses. It means you might have an extra couple of dollars in the pocket.\n\nChannel 1: Yep.\n\nChannel 0: Yep. I'll keep an eye on the premiums because, obviously, 3 and a half grand\n\nChannel 1: Yep.\n\nChannel 0: coming out of the super in total, 15% rebate off of that, it increases with your age. So\n\nChannel 1: Yep.\n\nChannel 0: in your thirties, it's totally cool. Once\n\nChannel 1: Yep.\n\nChannel 0: you hit your forties, it can very quickly go up to $6.07, $8.09 grands, and we need to keep on top of it.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: if you smash out that mortgage over the next five years and all of a sudden premiums are jumping up, we can always reduce it if you don't have as much debt to cover and\n\nChannel 1: Alright.\n\nChannel 0: just\n\nChannel 1: Correct.\n\nChannel 0: sort of\n\nChannel 1: Yep.\n\nChannel 0: play that\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: balancing\n\nChannel 1: Because\n\nChannel 0: act.\n\nChannel 1: if something\n\nChannel 0: You know what\n\nChannel 1: happens\n\nChannel 0: I mean?\n\nChannel 1: to me, but I don't know. 400,000, then it's not as bad. It's not I don't need to cover that. Yeah. I know what you're saying.\n\nYep.\n\nChannel 0: Yep. Exactly\n\nChannel 1: I don't\n\nChannel 0: right.\n\nChannel 1: have as\n\nChannel 0: The only\n\nChannel 1: much oh, I can't remember. No. I don't know. Anyway yep. Okay.\n\nYeah. I know what you're saying.\n\nChannel 0: yeah. It's like less years to cover, less debt\n\nChannel 1: Yep.\n\nChannel 0: to cover,\n\nChannel 1: Less\n\nChannel 0: so\n\nChannel 1: best\n\nChannel 0: don't\n\nChannel 1: to\n\nChannel 0: need\n\nChannel 1: cover,\n\nChannel 0: as much\n\nChannel 1: so\n\nChannel 0: insurance.\n\nChannel 1: I've got less.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: the more we build up your super too, that'll offset it as well. I mean, everything's an asset at the end of the day.\n\nChannel 1: Yep.\n\nChannel 0: Your trauma cover, so that's $65,100 lump sum. So if you have a heart attack, get diagnosed with, you know, stroke, cancer, something like that, it's just an instant lump sum, gives you a partner time to take a bit of time off work and look after you, medical expenses if you wanna go private, all that kind of stuff.\n\nChannel 1: Yep.\n\nChannel 0: And the good thing too is because you pay that little bit out of pocket, you've got much easier definitions of easier claims on your income protection, extras package, like, everything you could want out of it, you've got.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: So you okay for me to just kinda leave that alone for the time being. Next anniversary\n\nChannel 1: Yep.\n\nChannel 0: is November. Just keep an eye on it.\n\nChannel 1: Yep. Yep. Yep. If you're happy when we're all happy, it sounds yep. Sounds good.\n\nChannel 0: Yep. Easy done. When it comes to the super, I was having a look at the performance. I've sent it through in that pack for you to have a look at with me. We've got I'm just bringing up your asset allocation because you're in a high growth.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: you've got, say, 90% of your money in shares, property, gold. We call those growth assets. High\n\nChannel 1: Yep.\n\nChannel 0: risk, high return. Very little in the safe side of things because, obviously, whole point is to grow it.\n\nChannel 1: Yep.\n\nChannel 0: Now when you get close to retirement, you probably don't wanna be high risk at the age of 64. Market crashes, you lose half your super a year before you go to live off it. Do you know what I mean?\n\nChannel 1: Yep. Yeah. Yep. That makes yeah. I yeah.\n\nI think I yeah. I I understood. I got a good insight to that last review when they explained it to me. Oh, when I redid it all, yeah, they said, well, why are you young? You go as hard as you can to get it all.\n\nYou can always make it back. But obviously, yeah, when you're older, you don't want it that risky because you you've probably got you're you're gonna need it soon, so you don't wanna lose it and then you're never gonna regain it back.\n\nChannel 0: Spot on. Spot\n\nChannel 1: Because\n\nChannel 0: on.\n\nChannel 1: I know\n\nChannel 0: So\n\nChannel 1: a fellow that\n\nChannel 0: yeah?\n\nChannel 1: another plumber who's a bit older than me. When COVID hit, I I lost $5 or something like that, and he lost, like, $500 because of the difference in super.\n\nChannel 0: Yeah.\n\nChannel 1: And I'm like, shit. Yeah. So the $5 I lost because I only had 60,000, I can make that back. Whereas he had 200,000 or whatever and lost, you know, $5 oh, sorry, $50. That's a big difference, isn't it?\n\nChannel 0: Yeah. Yep. And because all the returns with these assets are percentage based, you've got $87 in your super now. Right? So\n\nChannel 1: Yep.\n\nChannel 0: benchmark for high growth is a consistent 10% return, and you're on\n\nChannel 1: Yep.\n\nChannel 0: track. So that for you is like $9,000. You put in a bit more than that in contributions currently.\n\nChannel 1: Yep.\n\nChannel 0: Now if you've got half a mil, now we're talking $50 up and down. In those later\n\nChannel 1: Yep.\n\nChannel 0: years, your returns kind of take off, and they do\n\nChannel 1: Yep.\n\nChannel 0: the bulk of it, but they're also the bulk risk because any movement, you're gonna see a huge swing like he\n\nChannel 1: Huge.\n\nChannel 0: did.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: So balancing act is build it up to that million dollars as quick as you can and then start protecting it so that as you get close to retirement, we can make it safer and safer in the lead up to it once you've\n\nChannel 1: Yep.\n\nChannel 0: got enough.\n\nChannel 1: Yep.\n\nChannel 0: Cool. And with your contributions going in weekly, like, it sounds like you you're okay to kind of ride out the waves of these or every seven years, there's something going on in the news. It\n\nChannel 1: Yeah.\n\nChannel 0: repeats constantly as long as you're okay to kind of use that as a buying opportunity and not panic.\n\nChannel 1: Yeah. That that's fine. Yeah. I think I\n\nChannel 0: Yep.\n\nChannel 1: said that, yeah, last year. That's something they make something. They come up with something every year. Every couple of years, they come up with something and it\n\nChannel 0: There's\n\nChannel 1: always\n\nChannel 0: a\n\nChannel 1: comes\n\nChannel 0: pandemic,\n\nChannel 1: back and then goes\n\nChannel 0: a\n\nChannel 1: away,\n\nChannel 0: war.\n\nChannel 1: comes back, goes away. But yeah.\n\nChannel 0: Always something. Always\n\nChannel 1: Yep.\n\nChannel 0: something. The main thing for us is in between now and then is we just need to make sure the investments you've got are good so that they're growing\n\nChannel 1: Yep.\n\nChannel 0: the way they should be.\n\nChannel 1: Yep.\n\nChannel 0: All in all, when I'm looking at the performance, we've pretty much cleared a like, that 10% net return after fees, premiums, taxes, everything like that. So you're pretty well still okay.\n\nChannel 1: Yep.\n\nChannel 0: Most of the options there, you've got I mean, your gold's gone out of the park. You've got a bit of gold that's gone up 30% in the last year. You've got international\n\nChannel 1: Yep.\n\nChannel 0: shares that are up double digits too. There's a couple there that have dipped a bit, your Australian shares and some Indian shares. So I'll probably keep an eye on those. And\n\nChannel 1: Yep.\n\nChannel 0: if they don't kind of pick back up at the next review, we'll probably have to maybe switch them out and\n\nChannel 1: Yep.\n\nChannel 0: try and find something a bit better like for like.\n\nChannel 1: Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: With all of your, like, cash flow and everything, are you setting aside, like, a certain amount of savings into offset for the mortgage, extra repayments? Like, what's going on cash flow wise for you guys?\n\nChannel 1: So we we pay it. We pay a little bit more than we have to on the so I went through I think through you guys, I got on to I think, yeah, I think I rang out you to ask about a banker or, like so I got a banker through you guys who\n\nChannel 0: Mortgage.\n\nChannel 1: helped us\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Mortgage broker who helped us with all our refinancing and everything for our renovation. So we were looking at selling and moving with the kids and stuff like this the the living area and all that just was getting a bit crammed and a bit tight.\n\nChannel 0: Yeah.\n\nChannel 1: But then it was right as the prices all went up. So, yeah, our house went we paid $2.50 for this, and they're trying to sell it for $6.50, but then the next house was $707.50 anyway. So, basically, yeah, you were making technically, you're making $300, but you weren't because you had to buy in the same market. And\n\nChannel 0: Yeah.\n\nChannel 1: then everything we're looking at was like so so, and we're like, look, if we're gonna do it, if we ever wanna do that, we don't ever wanna have to worry about it again. We just got sick of tire kickers coming around. You have to clean up the house, get the kids there, get the dogs there, do all this shit. Every people were coming down. It just got too much, and we just did not.\n\nWe're done. So and it was like we looked into it. It was like $60,000 in, you know, to buy and sell something, you're paying about $60 in fees and charges.\n\nChannel 0: Yeah. All your stamp duties and your agents\n\nChannel 1: All\n\nChannel 0: fees\n\nChannel 1: that.\n\nChannel 0: and yep.\n\nChannel 1: And I ended up doing we did the whole reno, everything we wanted for around I think it might have been 70. So for $10 more than just the fees and charges, we've basically got somewhere we can stay for as long as we want now.\n\nChannel 0: Perfect.\n\nChannel 1: Did\n\nChannel 0: That\n\nChannel 1: a few\n\nChannel 0: worked out\n\nChannel 1: extensions.\n\nChannel 0: well.\n\nChannel 1: Yep. So it worked out well. It's just we've got that extra $100 loan now, but that's fine. So what we've done is we have 300, I think. Let me double check.\n\nHe set it up a bit different.\n\nChannel 0: Mhmm.\n\nChannel 1: So yeah. So we've got $2.92 96 in a fixed home loan,\n\nChannel 0: Okay. Yep.\n\nChannel 1: which we we just pay the minimum. He said just pay the minimum on that because that is a fixed it can't go up. It can't go down. It's just fixed. So just pay the minimum on that for now.\n\nSo we're paying that.\n\nChannel 0: Yep.\n\nChannel 1: We have a we have the 100,000 that we borrowed in a variable one. We\n\nChannel 0: Gotcha.\n\nChannel 1: also have we we're also paying more into that, and then our actual bank account is an offset to that. So, basically, what we're trying to do is we're just mashing that 100 as quick as we can and then worry about the rest at a later date or next time he reviews it or whatever for me. So, yeah,\n\nChannel 0: Beautiful.\n\nChannel 1: that's sort\n\nChannel 0: Do\n\nChannel 1: of\n\nChannel 0: you\n\nChannel 1: how\n\nChannel 0: have\n\nChannel 1: we\n\nChannel 0: a\n\nChannel 1: set\n\nChannel 0: bit\n\nChannel 1: it\n\nChannel 0: of an\n\nChannel 1: up.\n\nChannel 0: estimate on, like, how much you're able to get in there, like, net if you had to scroll away some savings for anything else?\n\nChannel 1: So we've got about we've we've got about $7,000 in savings at the moment.\n\nChannel 0: Yep.\n\nChannel 1: And we're about well, we're five and a half. We've got five and a half redraw as well. So\n\nChannel 0: Perfect. When did you start that?\n\nChannel 1: yeah.\n\nChannel 0: I can kind of do a bit of a calculation there.\n\nChannel 1: Probably this time last year sort of thing. The the home line's all\n\nChannel 0: Yeah. You're done. So I can just go 55\n\nChannel 1: changed.\n\nChannel 0: $107, and we'll work that back. And think we had you saving around about 200 a week, and I'm working out maybe $2.40. So that that\n\nChannel 1: Yep.\n\nChannel 0: sound alright?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now given that that's the priority at the moment, do you want me to look at salary sacrifice extra into super for the tax deductions or just keep focusing on the mortgage at the moment?\n\nChannel 1: Yeah. No. I think we're, yeah, I think I'll just keep focusing on the mortgage at the moment. Like, my super and all that seems pretty good.\n\nChannel 0: Yeah. You're starting to catch up there in terms of average for your age, and you're starting\n\nChannel 1: Yep.\n\nChannel 0: to kind of go above the average now. So the longer you stay in that high growth and earn a decent amount, that will start\n\nChannel 1: Yep.\n\nChannel 0: going quicker and quicker. So it can be something for your forties and fifties. At some\n\nChannel 1: Yep. Yep.\n\nChannel 0: point, $50 a week is amazing. But, again, you you don't wanna lock away all the cash flow till you're 60\n\nChannel 1: Nah.\n\nChannel 0: if you wanna be doing mortgage off, holidays, kids, all that kind of thing.\n\nChannel 1: Yeah. I think at the moment, it's probably better to just, yeah, have you know, keep making what I'm making because, like, you know, everything's going up. So I don't think I need\n\nChannel 0: You've\n\nChannel 1: to\n\nChannel 0: gotta\n\nChannel 1: put any\n\nChannel 0: have\n\nChannel 1: more\n\nChannel 0: that emergency\n\nChannel 1: away than I need.\n\nChannel 0: funds.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Fantastic. And are you guys ever do you ever consider jumping into some investing at some point in your life, or you just want to be debt free, look after, like you know,\n\nChannel 1: So\n\nChannel 0: do you want to build up assets for the kids? Or\n\nChannel 1: I have a block of land that we own that's in the region. That's two hours away from here. My parents are up there. So we've got a block there that we don't owe anything on. I looked at trying to sell it there a little while ago, but, again, nothing's really happening.\n\nSo it's just sitting there. But we do have that. I have some shares of my own, but I don't know. Just everyone was talking about shares. So I bought some and they I don't touch them.\n\nI don't even know. They just sit there and do do whatever.\n\nChannel 0: Do you know how much the value is at at the moment just so I can note it down for\n\nChannel 1: So\n\nChannel 0: your file?\n\nChannel 1: I bought that it is let me go. I can tell you exactly whatever you want to know.\n\nChannel 0: Thank you,\n\nChannel 1: I\n\nChannel 0: sir.\n\nChannel 1: also had another I was never gonna ring you guys the other day, but you're probably the best. So it's the ACDC Global West Battery Tech Lithium, I bought them.\n\nChannel 0: Okay.\n\nChannel 1: And just it's a silly story. You might laugh at me. I just bought them because it said ACDC.\n\nChannel 0: But battery, tech, and lithium, like, the last year or so, I'm pretty sure those that's going up massively with all the electric\n\nChannel 1: Yeah.\n\nChannel 0: vehicles\n\nChannel 1: So I've\n\nChannel 0: and\n\nChannel 1: made\n\nChannel 0: everything.\n\nChannel 1: pretty I've made I've got a mate who's very smart. He doesn't like to share a lot of he doesn't like to tell you anything because he doesn't want you you to hold him accountable. But he he sort of self supers and all this sort of stuff. And he\n\nChannel 0: Yeah.\n\nChannel 1: knows how to do the market and he's he's he owns a like a he's a local like an I IDA, you know, like the IDA shop supermarket. He owns one of them, but he knows how to run\n\nChannel 0: Yeah.\n\nChannel 1: the stock market and all that sort of stuff. Anyway, I just brought these and then he rang the other day and said, you've got them, didn't you? And he goes I said, yeah. And he goes, they're going really well, but he's got a lot more in there than I do. But market value.\n\nAlright. What do you wanna know? What do you need to know? What would you like to know?\n\nChannel 0: Just whatever it's valued at as of, I guess, today. Yeah.\n\nChannel 1: Like, the market value?\n\nChannel 0: Yeah. Market value is pretty much all I need.\n\nChannel 1: 1,600?\n\nChannel 0: Well done. So from what I'm seeing, I think those ones have doubled in the last twelve months.\n\nChannel 1: Yeah. Well, it says gain and loss. 680, 62% or something up.\n\nChannel 0: There there you go.\n\nChannel 1: Yeah.\n\nChannel 0: Not bad. Not bad at all.\n\nChannel 1: I only put a thousand I only brought a thousand dollars because it was a a couple of years ago. That's just I just went on. Yeah. That'll do. Yeah.\n\nChannel 0: Well, if there's anything to buy a year ago, that would have been one of the top five\n\nChannel 1: It might\n\nChannel 0: picks.\n\nChannel 1: have been a\n\nChannel 0: So\n\nChannel 1: couple of years ago now. Few years. I I also there's up up there, there's also, like, a a a small gold mine up there.\n\nChannel 0: Oh, yeah?\n\nChannel 1: And his old man sort of out there, ginning around, and I and I, like, brought the shares in that too, but that's that's no good. That's terrible. That's cost that's I've lost money on that. But the ACDC has made up for it a little bit. But, yeah, if they find gold, we'll be right, but they don't tend to be finding\n\nChannel 0: Fantastic.\n\nChannel 1: any gold.\n\nChannel 0: I haven't found it.\n\nChannel 1: So\n\nChannel 0: Just yeah.\n\nChannel 1: no.\n\nChannel 0: Still\n\nChannel 1: But\n\nChannel 0: looking.\n\nChannel 1: a question I did have, I was gonna ring the other day because you guys\n\nChannel 0: Yeah.\n\nChannel 1: look after the stocks because share for people because you sort of do that with my super anyway, really.\n\nChannel 0: Very close\n\nChannel 1: I\n\nChannel 0: to it.\n\nChannel 1: have bank accounts for the kids. Just not bank accounts. So just in my bank, I have three separate accounts for the kids. And I I transfer every week on payday, $10 comes out. Every every pay every pay rate, $10 for each of them comes out and goes into\n\nChannel 0: Yep.\n\nChannel 1: an account.\n\nChannel 0: Yep.\n\nChannel 1: I obviously make a bit of interest off them, but not a lot. I wasn't sure whether it's worth maybe moving their money or when it's, like, buying shares or doing something with them to try and make to try and get more money or if that makes sense, is what I'm trying to say.\n\nChannel 0: Yeah. It does. It does. It does. Yeah.\n\nThat's definitely something that we we kind of specialize in. Do you\n\nChannel 1: Yep.\n\nChannel 0: know how much is kind of split between each of the accounts at the moment? Would it be a few $100 each? Or\n\nChannel 1: So Pat, my oldest son, I started it when he was born. He's got $2,000 in there now.\n\nChannel 0: congratulations.\n\nChannel 1: And my daughter's got 1,500, and William, the youngest, he's got $30.\n\nChannel 0: Then he goes three weeks.\n\nChannel 1: But yeah. So he got I put it in the reward saver sort of thing, and I don't touch it. So Pat got $7 interest the other day. It's obviously going up as money goes in. But then I was sort of thinking, I'm like, 7 I've been doing this for nearly five years, and he's only getting the $7 a month.\n\nLike, it's just sometimes you feel like you could I know you can lose more. You know, I'm never gonna lose in the bank. Like, the bank's never gonna take the money out whereas the shares can,\n\nChannel 0: Yeah.\n\nChannel 1: but you can also make more be more beneficial for them. So I just wasn't\n\nChannel 0: So\n\nChannel 1: sure. Run that\n\nChannel 0: I'm\n\nChannel 1: pastures.\n\nChannel 0: gonna give you two options here. I don't\n\nChannel 1: Yep.\n\nChannel 0: want you to dive into it today. I want you to kind of mull it over until our next chat,\n\nChannel 1: Yep.\n\nChannel 0: and we can sort of investigate it very, very specifically towards\n\nChannel 1: Yep.\n\nChannel 0: the end of the year as well. So\n\nChannel 1: Yep.\n\nChannel 0: let's say you've got Hub twenty four Super. I'll use that as an example. You\n\nChannel 1: Yep.\n\nChannel 0: can open an investment account with Hub twenty four, sits alongside your login, and you can invest it into anything they've got on menu, whether that's term deposits, safe stuff, shares, property, golds. They've got all the 1,300 options there for you. So you can go\n\nChannel 1: Yep.\n\nChannel 0: low risk, medium, high, whatever your whatever the goal is.\n\nChannel 1: Yep.\n\nChannel 0: So let's say you put it in that account, the same $30 a week or whatever it is,\n\nChannel 1: Yep.\n\nChannel 0: that can be built\n\nChannel 1: Yep.\n\nChannel 0: up and invested a little bit quicker than what the bank does. But the flip side is for hub twenty four specifically, they're usually good if you've got, like, $50 or above because of\n\nChannel 1: Yeah.\n\nChannel 0: fees.\n\nChannel 1: Yep.\n\nChannel 0: Whereas that ETF that you bought for ACDC, once you've paid that brokerage, there's barely any fees to hold that.\n\nChannel 1: Yep.\n\nChannel 0: So you buy an ETF direct through your Comsec account, NAB trade, whatever you're using. You pay\n\nChannel 1: Yep.\n\nChannel 0: a small brokerage. The fees ongoing fast, like, what, 0.1%, 0.2. Whereas Hub could charge you, like, a 180, $360 flat fee a year to hold that whole platform. It's like the fanciest platform you can get is the Ferrari.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: So until it's a bigger balance, I wouldn't use those guys for that.\n\nChannel 1: Yep.\n\nChannel 0: But it is a way of investing and picking and choosing anything and getting a bit more than the bank interest.\n\nChannel 1: Yep.\n\nChannel 0: Reason why I wouldn't do it today, not just the fees, is because the bank interest is decent. Like, I know\n\nChannel 1: Yep.\n\nChannel 0: $7 a month isn't much, but a guaranteed five or 6% as opposed to a high risk eight or 9% given the market.\n\nChannel 1: Yep.\n\nChannel 0: The opportunity cost isn't looking too good at the moment compared to when interest rates were zero, and you could still get 10% in the market.\n\nChannel 1: Yep. Yep. That's\n\nChannel 0: Does\n\nChannel 1: understandable.\n\nChannel 0: that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. The other thing I wanna look at down the line is they've got things called child builder bonds.\n\nChannel 1: Yep.\n\nChannel 0: What it is is you can pick investments in there too, but it's a it's a tax paid investment. So let's say you put that $30 a week into it. You can start with $5. You can start\n\nChannel 1: Yep.\n\nChannel 0: with a low amount. Once you've held it for 10, it becomes, I guess, tax paid, tax free. So in the 18, you can hand these funds across to them, and they're not gonna cop a big capital gains tax out of them.\n\nChannel 1: Yes. Yep.\n\nChannel 0: So you kind of\n\nChannel 1: Every\n\nChannel 0: pay\n\nChannel 1: sort\n\nChannel 0: for the\n\nChannel 1: of\n\nChannel 0: tax\n\nChannel 1: tax.\n\nChannel 0: for the first ten years. If you hold\n\nChannel 1: Yep.\n\nChannel 0: it for eighteen, you're really sweet when you hand it over to them for a house deposit or whatever it is.\n\nChannel 1: Yeah. Car or something like that. Yep. School\n\nChannel 0: Yeah.\n\nChannel 1: or whatever\n\nChannel 0: So\n\nChannel 1: it might be.\n\nChannel 0: two different options there. Let\n\nChannel 1: Yep.\n\nChannel 0: you do your $30 a week for the time being. But next time I speak to you, I'll kind of crunch some numbers. We'll have\n\nChannel 1: Yep.\n\nChannel 0: a look at it. And if we wanna jump into that, we can.\n\nChannel 1: Yep.\n\nChannel 0: Right now, all that's gonna happen if I did it for you today, you get charged some fees to go in. Stock market starts plummeting because the war is going on, and that few grand\n\nChannel 1: Yep.\n\nChannel 0: starts going down. It's just not the right time.\n\nChannel 1: Yep. No. That's fine. That's why I just thought yeah. Because obviously, the more money I put, like, as it keeps going and going and going, the interest will obviously go up.\n\nAnd then I was like, do I just join them instead of having three different accounts? So I just do one account, but then it gets messy, I suppose. It can get messy at the end when you try to distribute\n\nChannel 0: Split it up.\n\nChannel 1: it to to them. They're like, oh, but you could just go right. Oh, well, wait till William turns 18 and then but then the others might need it. So yeah. Just yeah.\n\nJust keep them separate. Because I thought if\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Free accounts\n\nChannel 1: merge them\n\nChannel 0: is\n\nChannel 1: together,\n\nChannel 0: fine.\n\nChannel 1: you'd get more interest. But yeah.\n\nChannel 0: It's just about, like, fees. If you're paying fees for the accounts, just be careful there. If\n\nChannel 1: No.\n\nChannel 0: it's\n\nChannel 1: I\n\nChannel 0: those\n\nChannel 1: think it's\n\nChannel 0: low\n\nChannel 1: still\n\nChannel 0: fee\n\nChannel 1: free.\n\nChannel 0: savers.\n\nChannel 1: It's just one of their eyes. It's it's the NAB Super Saver or Eye Saver. As long as I don't put any take any money out and there's a I think I I can't touch it and I have to have money going in before the last bank day of the month or something, you get the full interest of that month or something like\n\nChannel 0: Yep.\n\nChannel 1: that. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: The same\n\nChannel 1: I've\n\nChannel 0: one\n\nChannel 1: just\n\nChannel 0: that\n\nChannel 1: got\n\nChannel 0: I use\n\nChannel 1: a\n\nChannel 0: as\n\nChannel 1: direct\n\nChannel 0: well.\n\nChannel 1: debit straight out of my pay every week, $10, $10, $10, and it's just been slowly building up. So yeah.\n\nChannel 0: Amazing.\n\nChannel 1: We'll just keep\n\nChannel 0: So\n\nChannel 1: doing that.\n\nChannel 0: let you do that. Once\n\nChannel 1: Yep.\n\nChannel 0: we've got a bit more certainty on what's going on in the world, I'll show you a few different Matt, I would\n\nChannel 1: Yep.\n\nChannel 0: love to dive into that with you. That's brilliant.\n\nChannel 1: Yep. No. That'd be good. And, like, again, you guys can you'll be able to set me up and then sort of monitor it all for me and and stuff like that as well. Yeah?\n\nChannel 0: Yeah. Correct.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: You\n\nChannel 0: if\n\nChannel 1: might\n\nChannel 0: we\n\nChannel 1: just\n\nChannel 0: do\n\nChannel 1: say, oh, this is what we reckon you do, and then I'll go and do it\n\nChannel 0: no.\n\nChannel 1: and stuff it up or something.\n\nChannel 0: No. So when it comes to, like, those bonds, for example, with the lower amounts, we\n\nChannel 1: Yep.\n\nChannel 0: set it up and I'll incorporate it in the annual reviews,\n\nChannel 1: Yep.\n\nChannel 0: And we don't really even charge anything ongoing to look after that. If\n\nChannel 1: Yep.\n\nChannel 0: we do the big, you know, $50 in hub trying to build it up to 500, we do charge\n\nChannel 1: Yep.\n\nChannel 0: to manage it like we do for the super.\n\nChannel 1: Yep.\n\nChannel 0: But either one, we're not just gonna set it and forget it.\n\nChannel 1: Yep. No. That's cool. Yep.\n\nChannel 0: Cool. No. Great\n\nChannel 1: Yep.\n\nChannel 0: question. That's awesome. I'll put\n\nChannel 1: No.\n\nChannel 0: it\n\nChannel 1: That's\n\nChannel 0: down\n\nChannel 1: right.\n\nChannel 0: on the\n\nChannel 1: Yeah.\n\nChannel 0: file\n\nChannel 1: Because\n\nChannel 0: as\n\nChannel 1: when\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: future\n\nChannel 1: set it\n\nChannel 0: goal.\n\nChannel 1: up when I originally switched when I originally spoke to you guys the first time and then the fellow who set it all up with me, I can't remember your name now, a couple of years ago, he's like, look. We offer all these services and you're already paying, so you ring us and you ask us any of it. I said, right. So yeah.\n\nChannel 0: Alright. So that's my favorite. And, yeah, anytime that something like that pops up, give us a buzz. I've already made\n\nChannel 1: Yep.\n\nChannel 0: a note so next time I talk to you, we can\n\nChannel 1: Yep.\n\nChannel 0: go over a similar deal. And, yeah, mate, we we basically specialize in trying to get people into different life\n\nChannel 1: Yep.\n\nChannel 0: stages. You\n\nChannel 1: Yep.\n\nChannel 0: start simple, get your budgeting, get your house, get your super, and then we start going, hey. Let's invest for the kids. Let's do some of this. Eventually, once you've got assets, what's your estate plan? Let's get some trust involved.\n\nChannel 1: Yep.\n\nChannel 0: Borrow if you need to. All these things come into play over the years\n\nChannel 1: Yep.\n\nChannel 0: as long as you're able to step through that alongside us.\n\nChannel 1: Yeah. Yeah. So, like yeah. So back to your original question of, yeah, I've got that block of land and then just that little bit of shares that I've just got. There's only about two I think it's 2,200 that is sitting in that Navtrade account at the moment.\n\nIt got up. Was that the ACDC went off for a while and it went up. It was about 2 and a half there, but then when the war and all that kicked off, it went back down. But now it's starting to\n\nChannel 0: Yeah.\n\nChannel 1: go back up again. So yeah.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: awesome. I've got it noted down. We got the ETFs there. We've got the bank accounts for the kids, the land, the home, the car, the savings.\n\nChannel 1: Yep.\n\nChannel 0: So you're\n\nChannel 1: Yep.\n\nChannel 0: doing everything right\n\nChannel 1: Yep.\n\nChannel 0: and really good to see. Super's tracking along nicely. The\n\nChannel 1: Yep.\n\nChannel 0: insurance is good to go as long as you're okay for that premium on the twenty seventh.\n\nChannel 1: Yeah. Yeah. I'll yeah. It'll it'll come out. That'll be that'll be fine.\n\nYep. I'll just have to\n\nChannel 0: Cool.\n\nChannel 1: work that out. That's fine. Yep. I'll be back at work by then.\n\nChannel 0: The last thing I was looking at, just estate planning wise, it's probably obviously not the most impressing thing right today, but just getting a will in place,\n\nChannel 1: Yeah.\n\nChannel 0: power of attorney, will, that kind of stuff.\n\nChannel 1: Me and Roxanne have been meaning to do that for a long time. When we recently brought this house, they were pushing it, you know, now that you've got a mortgage and you should get a will. We've been we've been we've been meaning to do it for probably five, six years now. We haven't done it, but it's probably something we should get on to. Yeah.\n\nChannel 0: It's our our yearly reminder, but I guess the the information that I like to pass on to people is is kind of three easy ways to do it. You can call up a local solicitor and put in place a basic will and a power of attorney.\n\nChannel 1: Mhmm.\n\nChannel 0: The public trustee of every state, you know, like the courthouse, they also\n\nChannel 1: Yep.\n\nChannel 0: do appointments, wills, powers\n\nChannel 1: Yep.\n\nChannel 0: of attorney as well. And if you're that way inclined, you can even get a $25 will kit from the post office.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: When when it's just mortgage, lands, that kind of thing, it's pretty easy to do. Now that you're\n\nChannel 1: Yep.\n\nChannel 0: starting to branch out, you might wanna be a bit careful with it because if you've got shares, bank accounts that you wanna go different ways, you can get a bit more specific on it. So you\n\nChannel 1: Yep.\n\nChannel 0: just gotta be the more you build these different things up, the more careful and complex it gets.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But the basic ones are easy to do, and then you can just update them every couple of years if you need to once you get everything else running.\n\nChannel 1: Yep. Yep. Yep. That definitely something we need to look into. Like I said, to find them things, you think, oh, yeah.\n\nWe we will, but then you're not expecting the dynamite at the moment, are you? So it's just something you forget\n\nChannel 0: No.\n\nChannel 1: about. So it's just something we've gotta get into onto. But, yeah,\n\nChannel 0: And one\n\nChannel 1: haven't\n\nChannel 0: of the\n\nChannel 1: done\n\nChannel 0: main\n\nChannel 1: it.\n\nChannel 0: things that I find, like, really important for our age is, like, when it comes to a power of attorney, right, if you're in hospital and you can't act on your own behalf, if\n\nChannel 1: Yep.\n\nChannel 0: you've got bank accounts in your name and your partner has to go to the courts and sue for probate to try and get access to the bank accounts to pay the mortgage, that's a pain.\n\nChannel 1: Yeah.\n\nChannel 0: Who\n\nChannel 1: Yeah.\n\nChannel 0: can\n\nChannel 1: Because\n\nChannel 0: talk\n\nChannel 1: I\n\nChannel 0: to the\n\nChannel 1: can't\n\nChannel 0: doctors\n\nChannel 1: do anything.\n\nChannel 0: on your behalf? You can't do anything so that you you know, trying to call the bank up. Hey. Look. You've got all this money sitting there.\n\nWe're trying to pay the mortgage. They go, yeah. No. Where's your court order? Blah blah blah blah blah.\n\nIt just makes things easier on them.\n\nChannel 1: Yep. Yeah. Yep. Yep. No.\n\nCompletely understand that. So, yeah, something we definitely have to get on to at some point. I'll talk to Roxy today and maybe next Wednesday. I think everyone's out. I'll be back at work and both kids go to daycare and kinder might be something we look at.\n\nWe'll try and get on\n\nChannel 0: Oh,\n\nChannel 1: to that as well. We're gonna look at our health insurance. The renewal just come in the mail, so we're gonna have another\n\nChannel 0: Joey.\n\nChannel 1: look over that as well. So yeah.\n\nChannel 0: Awesome, mate. No. That's really good to hear. Mate, that's pretty much everything I had for the review so far. Everything is just going really well.\n\nMost people\n\nChannel 1: Yep.\n\nChannel 0: are in a bit of a world of hurt at the moment, so I'm glad to see that you're in a positive space.\n\nChannel 1: Yeah. No. I just I don't know. I'm not the only one paying for the fuel, am I? So it doesn't directly affect me.\n\nIt does, but\n\nChannel 0: Yeah.\n\nChannel 1: we're all paying the same. But you're all paying the same, and we're all paying. It's not as if it's just at me. And then, like, all the balls and all that other until it affects me directly, I just don't worry about it. There's not\n\nChannel 0: Yeah.\n\nChannel 1: much you\n\nChannel 0: Yep.\n\nChannel 1: can do with this. So\n\nChannel 0: Easy done.\n\nChannel 1: no.\n\nChannel 0: So what\n\nChannel 1: The\n\nChannel 0: I\n\nChannel 1: only\n\nChannel 0: might\n\nChannel 1: other\n\nChannel 0: do if\n\nChannel 1: question\n\nChannel 0: it's,\n\nChannel 1: I had\n\nChannel 0: yeah, go for\n\nChannel 1: for\n\nChannel 0: it.\n\nChannel 1: you now you're talking about trusses and all this sort of stuff. I I've been doing my plumbing licenses. So I've been driving down to Melbourne and doing all the courses. So when you finish your apprenticeship, you're a registered plumber, which you have to pay for,\n\nChannel 0: Does\n\nChannel 1: which\n\nChannel 0: that\n\nChannel 1: allows\n\nChannel 0: mean\n\nChannel 1: me\n\nChannel 0: that you're\n\nChannel 1: to work\n\nChannel 0: technically trade qualified currently?\n\nChannel 1: yeah. So yeah. So my so I'm a registered plumber at the moment. So I can work for a plumber as a plumber. Without\n\nChannel 0: Gotcha.\n\nChannel 1: my registration, I can't work for your plumber. To work for yourself or have your own business, you gotta be a licensed plumber. So you've gotta go back to trade school, and you've gotta do a certificate for so it's been Danny I've been going to Dandenong. It's about a three hour drive. I've been doing Monday, Tuesday, Wednesday, Monday, Tuesday, Wednesday for basically last year and month month on whatever.\n\nAnyway, it doesn't matter. I was sort of thinking about going out subbing hopefully subbing to the employer I'm in now and then start my own gig.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. But, obviously, with everything that's happening at the moment, I've just put the queue in the rack and just sort of just see where the world goes at the moment. Because at the moment, I'm getting paid. My boss has got plenty of work. You don't wanna be chasing work when people don't have any money and rah rah rah rah.\n\nAnd if you're a subby, he's easy to he can just say, look. Don't come in next week. I've got no work. Whereas full time, you you have to come. You have to get paid.\n\nI got a fuel card, work card, all that sort of stuff.\n\nChannel 0: Yeah. Exactly right.\n\nChannel 1: But say, later down the track, is that something I talk to I can talk to you guys about, like, if I was to set my business up a different because I know some people have trust. Some people have, like I don't know. I because I know yeah. Somehow my\n\nChannel 0: Like,\n\nChannel 1: boss,\n\nChannel 0: bucket\n\nChannel 1: like\n\nChannel 0: companies and trusts\n\nChannel 1: yeah.\n\nChannel 0: and\n\nChannel 1: Somehow\n\nChannel 0: all kinds of\n\nChannel 1: my\n\nChannel 0: stuff.\n\nChannel 1: boss his daughter gets paid and oh, I don't know how they work it all out. But is that something you guys sort of look at as well, or is that different?\n\nChannel 0: A little bit. A little bit. So we we go through all of the strategies with everybody, and we\n\nChannel 1: Yep.\n\nChannel 0: can kind of step you through it. But,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, when you go into all this stuff, you need a good account. So what tends to happen is when you first start off on your own, you get your ABN, your subcontract,\n\nChannel 1: Yeah.\n\nChannel 0: you go and get the first invoices, and so on.\n\nChannel 1: Yeah.\n\nChannel 0: You pretty well spend that first possibly three to five years just building up your your cash flow, getting used\n\nChannel 1: Yep.\n\nChannel 0: to being GST registered, doing\n\nChannel 1: Yep.\n\nChannel 0: your BAS\n\nChannel 1: Just\n\nChannel 0: statement,\n\nChannel 1: as a\n\nChannel 0: all\n\nChannel 1: Soul\n\nChannel 0: that kind\n\nChannel 1: Trader,\n\nChannel 0: of stuff.\n\nChannel 1: basically.\n\nChannel 0: Pretty much.\n\nChannel 1: Just as\n\nChannel 0: Pretty much.\n\nChannel 1: just as\n\nChannel 0: So\n\nChannel 1: an IVN. Yep.\n\nChannel 0: that's how you start it. And then\n\nChannel 1: Yep.\n\nChannel 0: eventually, once things go smooth and you used to have a taxes work and you do your tax returns and all that kind of thing, you then start going, okay. Well, I need to start paying myself some super.\n\nChannel 1: Yep.\n\nChannel 0: So you\n\nChannel 1: Yep.\n\nChannel 0: either do some contributions in and claim them manually,\n\nChannel 1: Yep.\n\nChannel 0: which we help with, or you pay yourself wages from your company and super on top like your current employer does.\n\nChannel 1: Yep. Yeah. Yeah. See. Because\n\nChannel 0: Once\n\nChannel 1: I\n\nChannel 0: you've\n\nChannel 1: think\n\nChannel 0: got\n\nChannel 1: that\n\nChannel 0: that\n\nChannel 1: yep.\n\nChannel 0: once you've got that, then you start branching into a k building company, trust, and then income splitting\n\nChannel 1: Mhmm.\n\nChannel 0: between\n\nChannel 1: Yep.\n\nChannel 0: spouse, children when they're a bit older.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: So think\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Because\n\nChannel 0: it as\n\nChannel 1: I\n\nChannel 0: like\n\nChannel 1: think\n\nChannel 0: a\n\nChannel 1: my boss\n\nChannel 0: 15\n\nChannel 1: is like a\n\nChannel 0: year\n\nChannel 1: proprietary\n\nChannel 0: plan.\n\nChannel 1: limited or whatever. He's a\n\nChannel 0: Yeah.\n\nChannel 1: so he basically works for the company. That's his company. And, yeah, I think he does that. He gets paid a wage, and I think somehow he's sort of he's, like, oh, it's like a trust, or they've got all this stuff set up. And I was like, oh, yeah.\n\nThat's pretty cool. But, yeah, you wouldn't worry about that for a while. He's been doing it a long time. So yeah.\n\nChannel 0: Yeah. It's all about, like I keep saying, stepping through those different stages. That first bit as a sole trader takes some getting used to and, like you said, getting some some stability on the cash flow\n\nChannel 1: Yep.\n\nChannel 0: side of things.\n\nChannel 1: Yep.\n\nChannel 0: And then you start going a bit more into structures, entities, and all that kind of thing. And\n\nChannel 1: Yep.\n\nChannel 0: it's really, really good if your wife starts getting involved in the business, the children get old enough, all that kind of thing. So,\n\nChannel 1: Yep.\n\nChannel 0: again, think of it as like, what, you're mid thirties now. You\n\nChannel 1: Yep.\n\nChannel 0: may, over the next few years, go out on your own, and then you're\n\nChannel 1: Yep.\n\nChannel 0: building it up through your forties. You start branching out into these things, late forties,\n\nChannel 1: Yep.\n\nChannel 0: really successful in your fifties. Everyone's involved. You've got assets. You've got all these kinds of things. It\n\nChannel 1: Yep.\n\nChannel 0: is really a whole life plan, and we just do it one one year at a time.\n\nChannel 1: Yep. Yep. Or you just keep working for him forever,\n\nChannel 0: Or you\n\nChannel 1: which\n\nChannel 0: just\n\nChannel 1: isn't\n\nChannel 0: keep working\n\nChannel 1: a bad thing\n\nChannel 0: forever.\n\nChannel 1: either.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Which\n\nChannel 0: Get\n\nChannel 1: isn't\n\nChannel 0: the fuel\n\nChannel 1: a bad\n\nChannel 0: card.\n\nChannel 1: thing either. Yeah. Oh, no. And so, yeah, I've done all my licenses, and I've got it already there to send off. I can I they can they sit against your name for, like I can have them just sit there for about ten years, I think, before I do if I wanna do something with them?\n\nChannel 0: Yep.\n\nChannel 1: And I was pretty keen because, you know, it gets to a point where you're like, okay. So, well, I'm just gonna work for this same boy forever. I just get up and go work for him and pay his daughter's trust and school fees and all this sort of stuff.\n\nChannel 0: Or try\n\nChannel 1: And then\n\nChannel 0: it yourself.\n\nChannel 1: but then the world, just the way it went at the moment, I might just hold on a bit. Like, I don't wanna go out on my own now and be paying $3.50 for fuel, and no one's got any money. So no one does any work and yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Just\n\nChannel 0: And\n\nChannel 1: seems\n\nChannel 0: look,\n\nChannel 1: like it's a good time\n\nChannel 0: trade\n\nChannel 1: to just\n\nChannel 0: is a\n\nChannel 1: wipe\n\nChannel 0: still\n\nChannel 1: it in.\n\nChannel 0: demand everywhere. And before this happened, materials were expensive, and every trading I know and every trade has been booked out like crazy. So, like, the opportunity in Australia is always there.\n\nChannel 1: Yeah.\n\nChannel 0: But is it the right time now if you can cool the jets for twelve months and see how things blow over? Might be the right time next year.\n\nChannel 1: Yeah. That's what I'm thinking. Just especially and now just having the other baby and sort of everything just sort of happened at once. I'm like, oh, god. Might just sit back for a bit and see what happens and go from there.\n\nI gotta get a car. That's the other thing.\n\nChannel 0: Yep.\n\nChannel 1: It's good to have a work car and a fuel car, but now at the end of the day, I don't now I don't have a car to to work at. So you gotta sort that problem out as well. So yeah.\n\nChannel 0: Yeah. And then you've got to try and get through some temptations because the moment these guys go self employed and they start earning a couple $100, everybody's like, I'm gonna get a tax deduction for buying another ute, and everyone's got the Forester and the and the this and the that, and they're buying a $60,000 car every couple of years, and the accountant's telling them to calm down. And but it's just, again, working through those things until you know\n\nChannel 1: Yep.\n\nChannel 0: you're stable, you're mature about it, and you're you've got your plan, your direction. So, yes, we help with all of that. We\n\nChannel 1: Yep.\n\nChannel 0: need a good accountant alongside you when you go to do that because we can't do the entity setups, the tax returns, and\n\nChannel 1: Yep.\n\nChannel 0: that type\n\nChannel 1: Yep.\n\nChannel 0: of\n\nChannel 1: You need\n\nChannel 0: advice\n\nChannel 1: to\n\nChannel 0: and\n\nChannel 1: you\n\nChannel 0: planning.\n\nChannel 1: need to can for all that. Yep.\n\nChannel 0: Yeah. Yep. So\n\nChannel 1: Yep.\n\nChannel 0: we work in tandem together when the time is right.\n\nChannel 1: Yep. Yep. Beauty. No. That's all.\n\nI just did. Just sort of quickly run that by to while while we're chatting. So yeah.\n\nChannel 0: Fantastic. Fantastic. The last thing I was gonna let you know is you've already signed the service agreement with us.\n\nChannel 1: Yep.\n\nChannel 0: So you're up for review around about all this time.\n\nChannel 1: Mhmm.\n\nChannel 0: I'm thinking all I'm gonna do is I'm gonna set for, like, maybe a three month catch up for you, and\n\nChannel 1: Yep.\n\nChannel 0: we can talk through the investing side of things, see how everything's going with the markets.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Once you get a renewal notice for your insurances around October, we can keep an eye on the prices and kinda go from there if that's alright.\n\nChannel 1: Yep. That's fine, mate. Yep. Sounds good. You guys are all over it.\n\nSo yeah.\n\nChannel 0: Like, the only thing that I've sent you in that pack to sign, if you're comfortable, we're we're pretty careful with tax file numbers these days after all the cybersecurity issues last\n\nChannel 1: Yep.\n\nChannel 0: year in in the country, you\n\nChannel 1: Yep.\n\nChannel 0: know, all the Optus leaking data and all this kind of thing. So\n\nChannel 1: Yeah. Yep.\n\nChannel 0: we've got basically tax file number opt in forms. So instead of holding your tax file number on a bunch of digital systems, it's just one form. And if you're\n\nChannel 1: Okay.\n\nChannel 0: okay to consent to that, we'd rather just have it there than everywhere\n\nChannel 1: Oh,\n\nChannel 0: else,\n\nChannel 1: yeah.\n\nChannel 0: but we want your consent because it's your most important number.\n\nChannel 1: Oh, yeah. That's fine. Yeah. So that's this one I've just clicked on now. It says to sign.\n\nChannel 0: Yeah. And it should say option to provide tax file number. Number's already in there. It's\n\nChannel 1: Yep.\n\nChannel 0: just got signature name and date in there, and that's\n\nChannel 1: Yep.\n\nChannel 0: the only thing to sign in this pack. Everything else is just for you to keep for your super your insurances.\n\nChannel 1: Yep. That's fine. I can do that.\n\nChannel 0: Lovely.\n\nChannel 1: Oh, yeah. It's done it all for me, has it? I said that's not my signature.\n\nChannel 0: Did it let you change it? Because this is a system that we've gotten kind of\n\nChannel 1: Oh, it\n\nChannel 0: built\n\nChannel 1: says\n\nChannel 0: for us.\n\nChannel 1: auto. It's done a little flash signature for me, but as long as that doesn't matter or should I do draw my own?\n\nChannel 0: So when it comes to us, we're fine for that. That\n\nChannel 1: It\n\nChannel 0: type\n\nChannel 1: says\n\nChannel 0: of\n\nChannel 1: auto.\n\nChannel 0: signature is fine.\n\nChannel 1: So you could click auto and it'll auto put a signature in for you.\n\nChannel 0: Gotcha. Or you can\n\nChannel 1: Or you\n\nChannel 0: draw.\n\nChannel 1: can hit draw or you can hit load, which you must be able to load up an old signature or you can write\n\nChannel 0: Yeah.\n\nChannel 1: your own.\n\nChannel 0: Upload\n\nChannel 1: So\n\nChannel 0: a file or something.\n\nChannel 1: if it\n\nChannel 0: Yeah.\n\nChannel 1: doesn't matter if I just got auto, if that's gonna be fine.\n\nChannel 0: Yeah. Auto is fine for us. It's just when we're sending things through to a super fund or an insurer, generally, you need to draw it on there. Otherwise, they might not accept it.\n\nChannel 1: Yep.\n\nChannel 0: So for\n\nChannel 1: So\n\nChannel 0: us, that's\n\nChannel 1: so this\n\nChannel 0: totally\n\nChannel 1: one will\n\nChannel 0: fine.\n\nChannel 1: be alright, though, or should I just\n\nChannel 0: Yeah.\n\nChannel 1: draw it?\n\nChannel 0: No. That one's totally fine.\n\nChannel 1: Okay. Cool. Yep. That no. That's fine.\n\nI can do that for you. Just done\n\nChannel 0: Beautiful.\n\nChannel 1: it.\n\nChannel 0: Right? Alright. It should also pop up then to download the signed copy for yourself.\n\nChannel 1: Yep. Just still waiting.\n\nChannel 0: And that email itself, all of that review pack is basically PDF attachments just like a normal email.\n\nChannel 1: Yeah. I see that. Yep. And okay. Yep.\n\nYep. No. That's all. Yep. That's all gone through.\n\nIt's all sitting there. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: And I dropped?\n\nChannel 0: Alright. And that's come through perfect back to us. And done. Alright. Any\n\nChannel 1: Yep.\n\nChannel 0: other questions for me before I let you go?\n\nChannel 1: No, mate. I think that's it. I'll I'll let you go and do some more. Talk to some other people. I've held you for nearly an hour now.\n\nSo yeah.\n\nChannel 0: Mate, I always look out now for you at\n\nChannel 1: Yep.\n\nChannel 0: least. And,\n\nChannel 1: Yep.\n\nChannel 0: look, I'm glad you took\n\nChannel 1: Yep.\n\nChannel 0: the call today because the the insurance has got sorted. Everything's looking good. We've got a plan, and I can book you in for a few months' time for the next steps, and I'm looking forward to it.\n\nChannel 1: Awesome, mate. Beautiful. Thank you.\n\nChannel 0: Awesome. Have a fantastic day. Anything else? Give us a buzz.\n\nChannel 1: Alright. Thanks, mate. Cheers. Have a good day.\n\nChannel 0: Cheers, Grant. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.05727261304855347}],"sentiment":"neutral","sentiment_score":0.05727261304855347,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Good day, Grant.","start":1.8399999,"end":2.56,"sentiment":"positive","sentiment_score":0.3387149969736735},{"text":"It's Tommy here, senior adviser from Oakview Financial, mate.","start":2.56,"end":5.52,"sentiment":"neutral","sentiment_score":0.1855807105700175},{"text":"How are you doing?","start":5.52,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.21092915534973145}],"sentiment":"neutral","sentiment_score":0.22063050046563148,"channel":0,"num_words":16,"start":1.8399999,"end":6.3399997},{"sentences":[{"text":"Good.","start":6.24,"end":6.64,"sentiment":"positive","sentiment_score":0.4005563259124756},{"text":"Thanks.","start":6.64,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5010688304901123},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.2885451366504033}],"sentiment":"positive","sentiment_score":0.3534521132707596,"channel":1,"num_words":5,"start":6.24,"end":7.7},{"sentences":[{"text":"I'm doing fantastic.","start":7.68,"end":8.98,"sentiment":"positive","sentiment_score":0.7342437505722046},{"text":"Mate, I was just giving you a call because we were trying to organize a bit of an annual review with you, and you 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today.","start":15.375,"end":18.675,"sentiment":"neutral","sentiment_score":0.0656481549764673}],"sentiment":"neutral","sentiment_score":0.0656481549764673,"channel":0,"num_words":12,"start":15.375,"end":18.675},{"sentences":[{"text":"Yep.","start":19.085,"end":19.585,"sentiment":"neutral","sentiment_score":0.10774454474449158}],"sentiment":"neutral","sentiment_score":0.10774454474449158,"channel":1,"num_words":1,"start":19.085,"end":19.585},{"sentences":[{"text":"I did have a a slot open up for the next hour or so if you if you still had a bit of time for me potentially.","start":19.295,"end":24.915,"sentiment":"neutral","sentiment_score":0.08329923602717894}],"sentiment":"neutral","sentiment_score":0.08329923602717894,"channel":0,"num_words":27,"start":19.295,"end":24.915},{"sentences":[{"text":"Yep.","start":24.925,"end":25.425,"sentiment":"neutral","sentiment_score":0.1256391704082489},{"text":"That's 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you do have a bit of time for me, I just need to go through a quick security check if that's okay.","start":45.985,"end":50.405,"sentiment":"neutral","sentiment_score":0.13029018497985342}],"sentiment":"neutral","sentiment_score":0.13969452989598116,"channel":0,"num_words":24,"start":44.705,"end":50.405},{"sentences":[{"text":"Yep.","start":50.534996,"end":51.034996,"sentiment":"neutral","sentiment_score":0.14905092120170593}],"sentiment":"neutral","sentiment_score":0.14905092120170593,"channel":1,"num_words":1,"start":50.534996,"end":51.034996},{"sentences":[{"text":"Beautiful.","start":51.745003,"end":52.245003,"sentiment":"neutral","sentiment_score":0.32984423637390137},{"text":"So I'm registered with ASIC as Adviser 1273105.","start":52.305,"end":56.72,"sentiment":"neutral","sentiment_score":0.09250584989786148},{"text":"Could you please confirm your date of birth and 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yeah.","start":80.345,"end":81.425,"sentiment":"neutral","sentiment_score":0.027960340802868206},{"text":"I can look on my phone if if loud speakers are up.","start":81.425,"end":84.445,"sentiment":"neutral","sentiment_score":0.018335205735638738}],"sentiment":"neutral","sentiment_score":0.02263401267363837,"channel":1,"num_words":19,"start":79.385,"end":84.445},{"sentences":[{"text":"Yeah.","start":84.51,"end":84.75,"sentiment":"neutral","sentiment_score":0.01852310448884964},{"text":"No.","start":84.75,"end":84.91,"sentiment":"neutral","sentiment_score":0.009328097105026243},{"text":"That's fine.","start":84.91,"end":85.39,"sentiment":"neutral","sentiment_score":0.04167312942445278},{"text":"It's more just to go through that performance and insurances together just so you 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$2.60.","start":497.365,"end":503.69998,"sentiment":"neutral","sentiment_score":-0.026739556261378784},{"text":"Has that gone down a lot?","start":503.69998,"end":505.08,"sentiment":"neutral","sentiment_score":-0.09284530331691106}],"sentiment":"neutral","sentiment_score":-0.0037205974620423818,"channel":0,"num_words":38,"start":493.045,"end":505.08},{"sentences":[{"text":"No.","start":507.075,"end":507.39502,"sentiment":"neutral","sentiment_score":-0.1326218843460083},{"text":"So I've just I recently did some 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never gonna ring you guys the other day, but you're probably the best.","start":1877.805,"end":1881.485,"sentiment":"neutral","sentiment_score":0.09580329743524392},{"text":"So it's the ACDC Global West Battery Tech Lithium, I bought them.","start":1881.485,"end":1887.27,"sentiment":"neutral","sentiment_score":0.08383009334405263}],"sentiment":"neutral","sentiment_score":0.0910140157987674,"channel":1,"num_words":30,"start":1877.805,"end":1887.27},{"sentences":[{"text":"Okay.","start":1888.72,"end":1889.22,"sentiment":"neutral","sentiment_score":0.06212972104549408}],"sentiment":"neutral","sentiment_score":0.06212972104549408,"channel":0,"num_words":1,"start":1888.72,"end":1889.22},{"sentences":[{"text":"And just it's a silly story.","start":1889.9701,"end":1893.25,"sentiment":"neutral","sentiment_score":0.011200772287944952},{"text":"You might laugh at me.","start":1893.25,"end":1894.2101,"sentiment":"neutral","sentiment_score":-0.06151752546429634},{"text":"I just bought them because 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do.","start":2654.5452,"end":2659.95,"sentiment":"neutral","sentiment_score":0.08887599085768064},{"text":"Now that you're","start":2660.1099,"end":2660.5898,"sentiment":"neutral","sentiment_score":0.04793524742126465}],"sentiment":"neutral","sentiment_score":0.08205253361827797,"channel":0,"num_words":18,"start":2654.5452,"end":2660.5898},{"sentences":[{"text":"Yep.","start":2660.445,"end":2660.945,"sentiment":"neutral","sentiment_score":0.0324166864156723}],"sentiment":"neutral","sentiment_score":0.0324166864156723,"channel":1,"num_words":1,"start":2660.445,"end":2660.945},{"sentences":[{"text":"starting to branch out, you might wanna be a bit careful with it because if you've got shares, bank accounts that you wanna go different ways, you can get a bit more specific on it.","start":2660.5898,"end":2669.23,"sentiment":"neutral","sentiment_score":0.010081148041146142},{"text":"So you","start":2669.23,"end":2669.55,"sentiment":"neutral","sentiment_score":0.031243590638041496}],"sentiment":"neutral","sentiment_score":0.01122506385719454,"channel":0,"num_words":37,"start":2660.5898,"end":2669.55},{"sentences":[{"text":"Yep.","start":2669.54,"end":2670.04,"sentiment":"neutral","sentiment_score":0.032530829310417175}],"sentiment":"neutral","sentiment_score":0.032530829310417175,"channel":1,"num_words":1,"start":2669.54,"end":2670.04},{"sentences":[{"text":"just gotta be the more you build these different things up, the more careful and complex it gets.","start":2669.55,"end":2675.01,"sentiment":"neutral","sentiment_score":-0.020904766706128914}],"sentiment":"neutral","sentiment_score":-0.020904766706128914,"channel":0,"num_words":18,"start":2669.55,"end":2675.01},{"sentences":[{"text":"Yep.","start":2675.3801,"end":2675.8801,"sentiment":"neutral","sentiment_score":0.022698231041431427},{"text":"Yep.","start":2676.1802,"end":2676.6802,"sentiment":"neutral","sentiment_score":-0.019693324342370033}],"sentiment":"neutral","sentiment_score":0.0015024533495306969,"channel":1,"num_words":2,"start":2675.3801,"end":2676.6802},{"sentences":[{"text":"But the basic ones are easy to do, and then you can just update them every couple of years if you need to once you get everything else running.","start":2676.345,"end":2683.245,"sentiment":"neutral","sentiment_score":0.21516402065753937}],"sentiment":"neutral","sentiment_score":0.21516402065753937,"channel":0,"num_words":29,"start":2676.345,"end":2683.245},{"sentences":[{"text":"Yep.","start":2683.585,"end":2683.8252,"sentiment":"neutral","sentiment_score":0.0860680565237999},{"text":"Yep.","start":2683.8252,"end":2684.3252,"sentiment":"neutral","sentiment_score":0.07111886143684387},{"text":"Yep.","start":2684.625,"end":2684.945,"sentiment":"neutral","sentiment_score":0.07363443821668625},{"text":"That definitely something we need to look into.","start":2684.945,"end":2687.665,"sentiment":"neutral","sentiment_score":0.05667259590700269},{"text":"Like I said, to find them things, you think, oh, yeah.","start":2687.665,"end":2691.26,"sentiment":"neutral","sentiment_score":0.03626887483352965}],"sentiment":"neutral","sentiment_score":0.04923453393646262,"channel":1,"num_words":22,"start":2683.585,"end":2691.26},{"sentences":[{"text":"We we will, but then you're not expecting the dynamite at the moment, are you?","start":2691.26,"end":2694.86,"sentiment":"neutral","sentiment_score":-0.009441413978735606},{"text":"So it's just something you forget","start":2694.86,"end":2696.06,"sentiment":"neutral","sentiment_score":-0.017843684181571007}],"sentiment":"neutral","sentiment_score":-0.011842062608117149,"channel":1,"num_words":21,"start":2691.26,"end":2696.06},{"sentences":[{"text":"No.","start":2695.88,"end":2696.38,"sentiment":"neutral","sentiment_score":-0.06422331929206848}],"sentiment":"neutral","sentiment_score":-0.06422331929206848,"channel":0,"num_words":1,"start":2695.88,"end":2696.38},{"sentences":[{"text":"about.","start":2696.06,"end":2696.3801,"sentiment":"neutral","sentiment_score":-0.08247707784175873},{"text":"So it's just something we've gotta get into onto.","start":2696.3801,"end":2699.82,"sentiment":"neutral","sentiment_score":-0.03261762857437134},{"text":"But, yeah,","start":2699.82,"end":2700.56,"sentiment":"neutral","sentiment_score":-0.007141523528844118}],"sentiment":"neutral","sentiment_score":-0.03252656517239908,"channel":1,"num_words":12,"start":2696.06,"end":2700.56},{"sentences":[{"text":"And 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important for our age is, like, when it comes to a power of attorney, right, if you're in hospital and you can't act on your own behalf, if","start":2701.895,"end":2712.375,"sentiment":"neutral","sentiment_score":-0.022517977665890667}],"sentiment":"neutral","sentiment_score":-0.022517977665890667,"channel":0,"num_words":34,"start":2701.895,"end":2712.375},{"sentences":[{"text":"Yep.","start":2712.305,"end":2712.805,"sentiment":"neutral","sentiment_score":-0.048617780208587646}],"sentiment":"neutral","sentiment_score":-0.048617780208587646,"channel":1,"num_words":1,"start":2712.305,"end":2712.805},{"sentences":[{"text":"you've got bank accounts in your name and your partner has to go to the courts and sue for probate to try and get access to the bank accounts to pay the mortgage, that's a pain.","start":2712.375,"end":2722.02,"sentiment":"neutral","sentiment_score":-0.12715901703470284}],"sentiment":"neutral","sentiment_score":-0.12715901703470284,"channel":0,"num_words":36,"start":2712.375,"end":2722.02},{"sentences":[{"text":"Yeah.","start":2723.25,"end":2723.33,"sentiment":"neutral","sentiment_score":-0.022002102807164192}],"sentiment":"neutral","sentiment_score":-0.022002102807164192,"channel":1,"num_words":1,"start":2723.25,"end":2723.33},{"sentences":[{"text":"Who","start":2723.28,"end":2723.44,"sentiment":"neutral","sentiment_score":-0.04242873564362526}],"sentiment":"neutral","sentiment_score":-0.04242873564362526,"channel":0,"num_words":1,"start":2723.28,"end":2723.44},{"sentences":[{"text":"Yeah.","start":2723.33,"end":2723.49,"sentiment":"neutral","sentiment_score":-0.04468647390604019}],"sentiment":"neutral","sentiment_score":-0.04468647390604019,"channel":1,"num_words":1,"start":2723.33,"end":2723.49},{"sentences":[{"text":"can","start":2723.44,"end":2723.5999,"sentiment":"neutral","sentiment_score":-0.04928424954414368}],"sentiment":"neutral","sentiment_score":-0.04928424954414368,"channel":0,"num_words":1,"start":2723.44,"end":2723.5999},{"sentences":[{"text":"Because","start":2723.49,"end":2723.81,"sentiment":"neutral","sentiment_score":-0.06361901760101318}],"sentiment":"neutral","sentiment_score":-0.06361901760101318,"channel":1,"num_words":1,"start":2723.49,"end":2723.81},{"sentences":[{"text":"talk","start":2723.5999,"end":2723.8398,"sentiment":"neutral","sentiment_score":-0.06327030062675476}],"sentiment":"neutral","sentiment_score":-0.06327030062675476,"channel":0,"num_words":1,"start":2723.5999,"end":2723.8398},{"sentences":[{"text":"I","start":2723.81,"end":2723.97,"sentiment":"neutral","sentiment_score":-0.0719033032655716}],"sentiment":"neutral","sentiment_score":-0.0719033032655716,"channel":1,"num_words":1,"start":2723.81,"end":2723.97},{"sentences":[{"text":"to 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behalf?","start":2724.48,"end":2725.28,"sentiment":"neutral","sentiment_score":-0.06612385312716167},{"text":"You can't do anything so that you you know, trying to call the bank up.","start":2725.28,"end":2728.415,"sentiment":"neutral","sentiment_score":-0.12611192365487417},{"text":"Hey.","start":2728.415,"end":2728.655,"sentiment":"neutral","sentiment_score":-0.03783334791660309},{"text":"Look.","start":2728.655,"end":2728.815,"sentiment":"neutral","sentiment_score":-0.05287305265665054},{"text":"You've got all this money sitting there.","start":2728.815,"end":2730.015,"sentiment":"neutral","sentiment_score":-0.07901307195425034}],"sentiment":"neutral","sentiment_score":-0.10125364142435568,"channel":0,"num_words":27,"start":2724.48,"end":2730.015},{"sentences":[{"text":"We're trying to pay the mortgage.","start":2730.015,"end":2730.975,"sentiment":"neutral","sentiment_score":-0.07517082865039508},{"text":"They go, 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you.","start":3373.185,"end":3374.885,"sentiment":"positive","sentiment_score":0.480156347155571},{"text":"Just 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the signed copy for yourself.","start":3377.885,"end":3382.5452,"sentiment":"neutral","sentiment_score":0.2150853047004113}],"sentiment":"neutral","sentiment_score":0.21992643674214682,"channel":0,"num_words":15,"start":3376.5251,"end":3382.5452},{"sentences":[{"text":"Yep.","start":3383.185,"end":3383.685,"sentiment":"neutral","sentiment_score":0.10201170295476912},{"text":"Just still waiting.","start":3383.905,"end":3385.6052,"sentiment":"neutral","sentiment_score":0.03993165989716848}],"sentiment":"neutral","sentiment_score":0.055451670661568635,"channel":1,"num_words":4,"start":3383.185,"end":3385.6052},{"sentences":[{"text":"And that email itself, all of that review pack is basically PDF attachments just like a normal 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I'm glad you took","start":3424.6702,"end":3425.6301,"sentiment":"positive","sentiment_score":0.6570070087909698}],"sentiment":"positive","sentiment_score":0.6570070087909698,"channel":0,"num_words":5,"start":3424.6702,"end":3425.6301},{"sentences":[{"text":"Yep.","start":3425.5251,"end":3426.0251,"sentiment":"positive","sentiment_score":0.6512920260429382}],"sentiment":"positive","sentiment_score":0.6512920260429382,"channel":1,"num_words":1,"start":3425.5251,"end":3426.0251},{"sentences":[{"text":"the call today because the the insurance has got sorted.","start":3425.6301,"end":3428.195,"sentiment":"positive","sentiment_score":0.6126395255327225},{"text":"Everything's looking good.","start":3428.195,"end":3429.155,"sentiment":"positive","sentiment_score":0.8211771051088969},{"text":"We've got a plan, and I can book you in for a few months' time for the next steps, and I'm looking forward to 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else?","start":3439.3967,"end":3440.1167,"sentiment":"positive","sentiment_score":0.451235756278038},{"text":"Give us a buzz.","start":3440.1167,"end":3441.097,"sentiment":"positive","sentiment_score":0.47439848631620407}],"sentiment":"positive","sentiment_score":0.6321434432810004,"channel":0,"num_words":11,"start":3437.9568,"end":3441.097},{"sentences":[{"text":"Alright.","start":3441.187,"end":3441.587,"sentiment":"positive","sentiment_score":0.3760140836238861},{"text":"Thanks, mate.","start":3441.587,"end":3442.147,"sentiment":"positive","sentiment_score":0.7202332317829132},{"text":"Cheers.","start":3442.147,"end":3442.387,"sentiment":"positive","sentiment_score":0.6978256702423096},{"text":"Have a good day.","start":3442.387,"end":3443.2869,"sentiment":"positive","sentiment_score":0.6150635182857513}],"sentiment":"positive","sentiment_score":0.6218200363218784,"channel":1,"num_words":8,"start":3441.187,"end":3443.2869},{"sentences":[{"text":"Cheers, Grant.","start":3443.3967,"end":3444.0369,"sentiment":"positive","sentiment_score":0.5524505376815796},{"text":"Bye.","start":3444.0369,"end":3444.5369,"sentiment":"neutral","sentiment_score":-0.0753718689084053}],"sentiment":"positive","sentiment_score":0.3431764021515846,"channel":0,"num_words":3,"start":3443.3967,"end":3444.5369}]},"summary":{"result":"success","short":"The representative from Oakview Financial promises to update the customer's insurance policy and review their income and expenses, including overtime and overtime pay. They emphasize the importance of balancing investments with risk and maintaining a stable income for retirement. The agent discusses the customer's financial situation and upcoming catch-up, emphasizing the importance of providing a tax file number for insurance purposes and discussing the customer's insurance plans. The customer thanks the agent and ends the call."},"intents":{"segments":[{"text":"Mate, I was just giving you a call because we were trying to organize a bit of an annual review with you, and you did Yep. mention that you might have a bit of time yesterday and today.","start_word":25,"end_word":62,"intents":[{"intent":"Schedule annual review","confidence_score":0.24652119}]},{"text":"So I'm registered with ASIC as Adviser 1273105. Could you please confirm your date of birth and address?","start_word":169,"end_word":186,"intents":[{"intent":"Confirm contact details","confidence_score":0.0050930246}]},{"text":"I I'm happy to sort of switch it around. Yep.","start_word":293,"end_word":302,"intents":[{"intent":"Ask for permission to switch speaker","confidence_score":0.00005049219}]},{"text":"Because we've switched to a new system, it's coming through from our new CRM, which is called Odoo. It may Okay. come through to your spam box or your main inbox. It usually is pretty well instant. I have had a couple of people where it took a few Yep. minutes, so just let me know if that comes through. Okay? Awesome.","start_word":349,"end_word":410,"intents":[{"intent":"Check system status","confidence_score":0.05476619}]},{"text":"And then I just got a letter in the mail the other day saying something about the premium or something. Something got missed or something didn't work, so they're gonna have Yeah. to take more out or something like that.","start_word":684,"end_word":723,"intents":[{"intent":"Clarify communication","confidence_score":0.0062233256}]},{"text":"That's base what you're saying is basically what I read in the email. It didn't explain it very well. Yeah.","start_word":1184,"end_word":1203,"intents":[{"intent":"Request clarification","confidence_score":0.029209338}]},{"text":"And maybe it's because there's the two policies. So there would be a couple of things. Right? The anniversary was in November. So they tell you, here's your updated policy for a year, which may have said that 05/25, and Yep. then you've got the debit that they're trying to catch up on. Possibly.","start_word":1383,"end_word":1436,"intents":[{"intent":"Check policy and details","confidence_score":0.004191905}]},{"text":"So they tell you, here's your updated policy for a year, which may have said that 05/25, and Yep. then you've got the debit that they're trying to catch up on. Possibly.","start_word":1405,"end_word":1436,"intents":[{"intent":"Provide policy information","confidence_score":0.021905642},{"intent":"Expedite policy update","confidence_score":0.000008323083}]},{"text":"Just to kind of review that cover a little bit because you've got pretty well, like, a full suite. Like, everything is protected. You've Yep. got life insurance, that's 758,000 worth of Yep. cover. It's, like, $7.92 a year. Not too bad.","start_word":1535,"end_word":1576,"intents":[{"intent":"Verify coverage","confidence_score":0.0020417615}]},{"text":"You've Yep. got life insurance, that's 758,000 worth of Yep. cover. It's, like, $7.92 a year. Not too bad.","start_word":1558,"end_word":1576,"intents":[{"intent":"Provide insurance information","confidence_score":0.020387923}]},{"text":"The way I kinda work it out, and it's like a just a little bit of a work back, is let's say you've got, like, that $3.90 there. It equates to I think we had your income at about $80. Has that gone up?","start_word":1767,"end_word":1810,"intents":[{"intent":"Discuss income coverage","confidence_score":0.0016027553}]},{"text":"So if I work that back as a weekly, which is really good because they've made those changes where the employees have to pay them in line with your pay cycle Yep. into your super.","start_word":2259,"end_word":2293,"intents":[{"intent":"Update employee benefits","confidence_score":0.0008106279}]},{"text":"Well, not not that, but the way I understand it is, like, if you're getting your super paid monthly, then you're only getting interest or something every month, whereas now I get interest every week or something like that. Is that sorta? Yeah.","start_word":2419,"end_word":2461,"intents":[{"intent":"Clarify income structure","confidence_score":0.0007665094}]},{"text":"We were still aiming towards, like, a age 67 retirement. Obviously, earlier would be nice too. Yep.","start_word":3177,"end_word":3193,"intents":[{"intent":"Plan for retirement","confidence_score":0.0036326477}]},{"text":"that can pay a little bit extra. So if I work back your current cover amount at 75%, it's covering an income of about $91, Yep.","start_word":3459,"end_word":3484,"intents":[{"intent":"Cover income","confidence_score":0.37236768},{"intent":"Manage super super","confidence_score":0.0003870945}]},{"text":"that can pay a little bit extra. So if I work back your current cover amount at 75%, it's covering an income of about $91, Yep. Good. which is kind of perfect. Gives you that extra, you know, 600 a month because 70% for most people just get some buy on expenses. It means you might have an extra couple of dollars in the pocket. Yep.","start_word":3459,"end_word":3524,"intents":[{"intent":"Obtain discounts and cut costs","confidence_score":5.2736226e-8}]},{"text":"So if you have a heart attack, get diagnosed with, you know, stroke, cancer, something like that, it's just an instant lump sum, gives you a partner time to take a bit of time off work and look after you, medical expenses if you wanna go private, all that kind of stuff. Yep.","start_word":3768,"end_word":3820,"intents":[{"intent":"Analyze financial goals","confidence_score":0.016517643}]},{"text":"So balancing act is build it up to that million dollars as quick as you can and then start protecting it so that as you get close to retirement, we can make it safer and safer in the lead up to it once you've Yep. got enough.","start_word":4327,"end_word":4373,"intents":[{"intent":"Evaluate balancing act","confidence_score":0.0010844882}]},{"text":"The main thing for us is in between now and then is we just need to make sure the investments you've got are good so that they're growing Yep.","start_word":4491,"end_word":4519,"intents":[{"intent":"Make investments","confidence_score":0.024245163}]},{"text":"All in all, when I'm looking at the performance, we've pretty much cleared a like, that 10% net return after fees, premiums, taxes, everything like that. So you're pretty well still okay. Yep.","start_word":4526,"end_word":4558,"intents":[{"intent":"Continue performing","confidence_score":0.000012658012}]},{"text":"Most of the options there, you've got I mean, your gold's gone out of the park. You've got a bit of gold that's gone up 30% in the last year. You've got international Yep. shares that are up double digits too. There's a couple there that have dipped a bit, your Australian shares and some Indian shares. So I'll probably keep an eye on those. And Yep.","start_word":4559,"end_word":4625,"intents":[{"intent":"Check options","confidence_score":0.41117328}]},{"text":"if they don't kind of pick back up at the next review, we'll probably have to maybe switch them out and Yep. try and find something a bit better like for like. Yep.","start_word":4626,"end_word":4658,"intents":[{"intent":"Recommend switching","confidence_score":0.00030951324}]},{"text":"With all of your, like, cash flow and everything, are you setting aside, like, a certain amount of savings into offset for the mortgage, extra repayments? Like, what's going on cash flow wise for you guys? So we we pay it.","start_word":4661,"end_word":4701,"intents":[{"intent":"Determine cash flow allowance","confidence_score":0.0000144364085}]},{"text":"yeah.","start_word":4756,"end_word":4756,"intents":[{"intent":"Discuss mortgage","confidence_score":0.004499992}]},{"text":"Mortgage broker who helped us with all our refinancing and everything for our renovation. So we were looking at selling and moving with the kids and stuff like this the the living area and all that just was getting a bit crammed and a bit tight. Yeah.","start_word":4757,"end_word":4803,"intents":[{"intent":"Discuss refinancing costs","confidence_score":0.00036307555}]},{"text":"So, yeah, our house went we paid $2.50 for this, and they're trying to sell it for $6.50, but then the next house was $707.50 anyway.","start_word":4816,"end_word":4841,"intents":[{"intent":"Discuss selling options","confidence_score":0.000035906116}]},{"text":"estimate on, like, how much you're able to get in there, like, net if you had to scroll away some savings for anything else?","start_word":5232,"end_word":5255,"intents":[{"intent":"Get estimate","confidence_score":0.00041847661}]},{"text":"So we've got about we've we've got about $7,000 in savings at the moment.","start_word":5256,"end_word":5269,"intents":[{"intent":"Update savings","confidence_score":0.0007081907}]},{"text":"Now given that that's the priority at the moment, do you want me to look at salary sacrifice extra into super for the tax deductions or just keep focusing on the mortgage at the moment? Yeah. No. I think we're, yeah, I think I'll just keep focusing on the mortgage at the moment. Like, my super and all that seems pretty good. Yeah.","start_word":5362,"end_word":5424,"intents":[{"intent":"Concentrate on mortgage","confidence_score":0.002774711}]},{"text":"also had another I was never gonna ring you guys the other day, but you're probably the best. So it's the ACDC Global West Battery Tech Lithium, I bought them. Okay.","start_word":5764,"end_word":5794,"intents":[{"intent":"Ask for future updates","confidence_score":4.880775e-7}]},{"text":"can open an investment account with Hub twenty four, sits alongside your login, and you can invest it into anything they've got on menu, whether that's term deposits, safe stuff, shares, property, golds. They've got all the 1,300 options there for you. So you can go Yep. low risk, medium, high, whatever your whatever the goal is. Yep.","start_word":6650,"end_word":6707,"intents":[{"intent":"Explore investment options","confidence_score":0.10823479}]},{"text":"You can start Yep. with a low amount. Once you've held it for 10, it becomes, I guess, tax paid, tax free. So in the 18, you can hand these funds across to them, and they're not gonna cop a big capital gains tax out of them. Yes. Yep.","start_word":7024,"end_word":7072,"intents":[{"intent":"Evaluate investments","confidence_score":0.0008149029}]},{"text":"we do the big, you know, $50 in hub trying to build it up to 500, we do charge Yep. to manage it like we do for the super.","start_word":7640,"end_word":7668,"intents":[{"intent":"Manage money","confidence_score":0.0023616743}]},{"text":"Was that the ACDC went off for a while and it went up. It was about 2 and a half there, but then when the war and all that kicked off, it went back down. But now it's starting Yeah. to go back up again. So yeah.","start_word":7957,"end_word":8003,"intents":[{"intent":"Resolve acd issue","confidence_score":0.0015249552}]},{"text":"The last thing I was looking at, just estate planning wise, it's probably obviously not the most impressing thing right today, but just getting a will in place, Yeah.","start_word":8101,"end_word":8129,"intents":[{"intent":"Discuss estate planning","confidence_score":0.012464948}]},{"text":"But the basic ones are easy to do, and then you can just update them every couple of years if you need to once you get everything else running. Yep.","start_word":8376,"end_word":8405,"intents":[{"intent":"Update documents","confidence_score":0.22611131}]},{"text":"are in a bit of a world of hurt at the moment, so I'm glad to see that you're in a positive space. Yeah.","start_word":8725,"end_word":8748,"intents":[{"intent":"Connect and connect","confidence_score":0.00008377907}]},{"text":"A little bit.","start_word":9246,"end_word":9248,"intents":[{"intent":"Clarify goals","confidence_score":0.0029753654}]},{"text":"which we help with, or you pay yourself wages from your company and super on top like your current employer does.","start_word":9435,"end_word":9455,"intents":[{"intent":"Help with pay and estate","confidence_score":0.000027136193}]},{"text":"which we help with, or you pay yourself wages from your company and super on top like your current employer does. Yep.","start_word":9435,"end_word":9456,"intents":[{"intent":"Assist with finances and investments","confidence_score":0.00005063691}]},{"text":"once you've got that, then you start branching into a k building company, trust, and then income splitting Mhmm.","start_word":9468,"end_word":9486,"intents":[{"intent":"Branch out into trust and income splitting","confidence_score":0.0019354749}]},{"text":"That first bit as a sole trader takes some getting used to and, like you said, getting some some stability on the cash flow Yep. side of things.","start_word":9610,"end_word":9637,"intents":[{"intent":"Gain stability and cash flow stability","confidence_score":0.000007208841}]},{"text":"And then you start going a bit more into structures, entities, and all that kind of thing. And Yep.","start_word":9639,"end_word":9657,"intents":[{"intent":"Build structures and entities","confidence_score":0.2194975}]},{"text":"I gotta get a car. That's the other thing.","start_word":10083,"end_word":10091,"intents":[{"intent":"Find suitable vehicle","confidence_score":0.00013452373}]},{"text":"And then you've got to try and get through some temptations because the moment these guys go self employed and they start earning a couple $100, everybody's like, I'm gonna get a tax deduction for buying another ute, and everyone's got the Forester and the and the this and the that, and they're buying a $60,000 car every couple of years, and the accountant's telling them to calm down.","start_word":10137,"end_word":10205,"intents":[{"intent":"Resolve self-employment","confidence_score":0.0016098977},{"intent":"Provide tax deduction","confidence_score":0.091372006}]},{"text":"So, yes, we help with all of that. We Yep. need a good accountant alongside you when you go to do that because we can't do the entity setups, the tax returns, and Yep. that type Yep. of You need advice to and you planning. need to can for all that.","start_word":10232,"end_word":10282,"intents":[{"intent":"Provide advice and support","confidence_score":0.00022804814}]},{"text":"The last thing I was gonna let you know is you've already signed the service agreement with us. Yep.","start_word":10323,"end_word":10341,"intents":[{"intent":"Review service agreement","confidence_score":0.19254363}]},{"text":"So you're up for review around about all this time.","start_word":10342,"end_word":10351,"intents":[{"intent":"Set for review","confidence_score":0.043318886},{"intent":"Set review date","confidence_score":0.0000022651116}]},{"text":"Once you get a renewal notice for your insurances around October, we can keep an eye on the prices and kinda go from there if that's alright. Yep.","start_word":10393,"end_word":10420,"intents":[{"intent":"Review insurance renewal notes","confidence_score":0.000375144}]},{"text":"I said that's not my signature. Did it let you change it?","start_word":10633,"end_word":10644,"intents":[{"intent":"Change signature settings","confidence_score":0.000093669376}]}]},"sentiments":{"segments":[{"text":"Hello? Good day, Grant. It's Tommy here, senior adviser from Oakview Financial, mate. How are you doing?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.2137412875890732},{"text":"Good. Thanks.","start_word":17,"end_word":18,"sentiment":"positive","sentiment_score":0.45081257820129395},{"text":"How are you?","start_word":19,"end_word":21,"sentiment":"neutral","sentiment_score":0.3039926290512085},{"text":"I'm doing fantastic.","start_word":22,"end_word":24,"sentiment":"positive","sentiment_score":0.7270392775535583},{"text":"Mate, I was just giving you a call because we were trying to organize a bit of an annual review with you, and you did Yep. mention that you might have a bit of time yesterday and today. Yep. I did have a a slot open up for the next hour or so if you if you still had a bit of time for me potentially. Yep. That's fine.","start_word":25,"end_word":93,"sentiment":"neutral","sentiment_score":0.11385618150234222},{"text":"Awesome. Fantastic.","start_word":94,"end_word":95,"sentiment":"positive","sentiment_score":0.6307518482208252},{"text":"So what I've got coming through to you is I'm gonna email through, like, an annual review pack with all of your, like, your performance, updated services guides, certificate of currency for your insurances to your Yahoo email. Is that still your current email, Yep. mate? Yep.","start_word":96,"end_word":142,"sentiment":"neutral","sentiment_score":0.18996140360832217},{"text":"Perfect.","start_word":143,"end_word":143,"sentiment":"positive","sentiment_score":0.35599446296691895},{"text":"If you do have a bit of time for me, I just need to go through a quick security check if that's okay. Yep. Beautiful. So I'm registered with ASIC as Adviser 1273105. Could you please confirm your date of birth and address? Thirteen twelve nineteen ninety. 21 Fitzgerald Street, Bandsdale.","start_word":144,"end_word":194,"sentiment":"neutral","sentiment_score":0.09559919685125352},{"text":"Fantastic. Really appreciate that. I'm gonna shoot this pack through to you now just so you've got it on record.","start_word":195,"end_word":214,"sentiment":"positive","sentiment_score":0.4186427295207978},{"text":"Yep. Do you have access to look onto your emails with me today, or do you want me to just kinda walk through what's in the pack? Yes. I'm I'm on oh, well, yeah. I can look on my phone if if loud speakers are up. Yeah. No. That's fine. It's more just to go through that performance and insurances together just so you can Yep. sort of see what I'm seeing. But whatever's easier for you, mate. I I'm happy to sort of switch it around. Yep. No. That's right. Well, yeah, I'm on layout speaking now, so as long as that doesn't bother you. I can And hear have you loud a bit and of clear. a Am look. I Yeah. coming through okay? Yep. Awesome. So I'm popping that through now. Because we've switched to a new system, it's coming through from our new CRM, which is called Odoo. It may Okay. come through to your spam box or your main inbox. It usually is pretty well instant. I have had a couple of people where it took a few Yep. minutes, so just let me know if that comes through. Okay?","start_word":215,"end_word":409,"sentiment":"neutral","sentiment_score":0.07610070143754666},{"text":"Awesome. Awesome. Awesome.","start_word":410,"end_word":412,"sentiment":"positive","sentiment_score":0.5409330725669861},{"text":"And are you okay for the call to be recorded? Yes. Fine.","start_word":413,"end_word":424,"sentiment":"neutral","sentiment_score":0.18607617914676663},{"text":"Fantastic.","start_word":425,"end_word":425,"sentiment":"positive","sentiment_score":0.5347877740859985},{"text":"And how have you been, mate? Yeah.","start_word":426,"end_word":432,"sentiment":"neutral","sentiment_score":0.2494159638881683},{"text":"Good.","start_word":433,"end_word":433,"sentiment":"positive","sentiment_score":0.3572036921977997},{"text":"Good. Not too much. Can't complain. Just get Can't through complain. the phone. Well, it's on fire, and everything's going steady for you. Yeah. No. That's fine.","start_word":434,"end_word":460,"sentiment":"neutral","sentiment_score":0.1146308034658432},{"text":"Good I'm to hear.","start_word":461,"end_word":464,"sentiment":"positive","sentiment_score":0.33660951256752014},{"text":"a bit Good of to a hear. bit of a weirdo. I don't I like a bit of chaos sometimes. Just entertain. Just makes life a bit more interesting. What's life Yeah. without a bit of drama? Well, yeah. Why not? Absolutely, Grant. Is there anything in particular that you were sort of hoping to get out of this year's review just so I can kind of tailor things a bit? No. Not real. I have had a bit of prob no. I don't know if it's a problem. Oh, yeah. I've got it now. It just popped up. Don't know if it's a problem, but my insurance stuff, which you guys are looking after, but it's through ClearView. Yes. That's what I wanted to talk to you about today. I've had a few, like, I don't know, back of like, they they they sent me something saying, like, I hadn't renewed, and then I was like, oh, I don't know what's going on. And then I rang I spoke to someone on your end, and he's they're like, yeah. No. It's all good. I'll let you know in a couple of days. Never heard anything back. It was, like, three months. And I'm like, so what's the go? And they're like, yeah. No. It should be all fine. And then I just got a letter in the mail the other day saying something about the premium or something. Something got missed or something didn't work, so they're gonna have Yeah. to take more out or something like that.","start_word":465,"end_word":723,"sentiment":"neutral","sentiment_score":-0.07575373304108855},{"text":"So that's the only drama I've had because it's sort of been a bit I'm just sort of not sure what's going on. So You're kind of left in the dark a little bit, and it's been as long a as bit it's all all over sorted the shop.","start_word":724,"end_word":772,"sentiment":"negative","sentiment_score":-0.3852472305297851},{"text":"and whatever and I'm not paying more than I have to or it's still all good, I'm I'm alright with it. But, yeah, I just sorta it's just sorta a bit of backwards and forwards, and I had no no idea what was going on. But I don't need to as long as you guys have got a little under control. But, yeah, that's Yeah. that's the only drama I've had, really.","start_word":773,"end_word":844,"sentiment":"neutral","sentiment_score":-0.1175374984741211},{"text":"Now I'm glad that you mentioned it because that's why I was hoping to catch you today because we called them up today.","start_word":845,"end_word":867,"sentiment":"positive","sentiment_score":0.5606141090393066},{"text":"I like to do a bit of a a deep dive I do a review just to make sure I can see everything as an adviser. Yeah. And I have confirmed it's all enforced. All the policies are still there. You're still Yeah. insured, protected, all that kind of thing. Yep. What ended up happening so they had a the whole Clearview company, they're, like, top three biggest insurer in Australia. They had a a systems error around Christmas time, and Yep. no payments came in from anybody. So what happens, Yep. they cleared that up over Christmas, and the rollover came through from the super for, like, your life insurance, disability, income protection. Yep. But what you've recently received was for your trauma cover. That's like your heart attack, stroke, and cancer, and Yep. your your income protection definition, which you've got Yep. out of pocket. They've got a premium set to come out on the April 27. So what's happened, because of all the issues that happened in in November, December, they haven't taken out that monthly I think it's 45 a month Yep. that they were Okay. taking out. They didn't take it out in December, January, February, and March. Yep. And that's what they've sent you, that they're gonna try and debit that on the '20 Yep. April 7. They did I spoke to them just before, and my team called them up. They did waive a month's premiums for the error because they wanted to Yep. sort of apologize to every single client that they have, but that Yep. is set to come out on the twenty seventh. Yep. Nah. That's sort of what the the letter said, but it was, like, 500 and it said 5 I think it said $500 or something, but maybe that's, like, the full total. I I'm not sure. But yeah. I'm pretty sure yeah. That's base what you're saying is basically what I read in the email. It didn't explain it very well. Yeah. No. That's perfect. You explained it perfectly But the well. number was about the I'm I'm sure it was, like, $5.25 or something, it said, 5 that 20 was gonna 5. be debited or something like that unless I'm completely wrong, but I'm pretty sure that's what the letter in the mail said. I'm gonna go on to the online letters from Clearview and see if I can find it. It should be they've told us today 25360. Yep. If it's $5.25, I'm gonna find out straight away. Because That I'm may have been for they the come other in cover the through post. the super. So unless I may have misunderstood it. Maybe they've done this or that. Maybe that's my whole year, maybe. Or I don't know. I'm not sure. But, yeah, Oh, I'm yeah. I'm Because sure the I'm sure the letter said five five twenty five. '25 or May or something like that. And that April 27, that date, it was definitely on there. That stuck out to me. I remember reading that. Yeah. Yep. And maybe it's because there's the two policies. So there would be a couple of things. Right? The anniversary was in November. So they tell you, here's your updated policy for a year, which may have said that 05/25, and Yep. then you've got the debit that they're trying to catch up on. Possibly. So I'll try Yeah. and double check all of that for you after this call, and I'll Yep. send you a bit of a text as well because I wanna make sure nothing happens out of the blue without you knowing about it. Yep. Let me just have a look here. Yeah. Premium came out of the super okay. I'm thinking that's the anniversary premium, so I'm just gonna message my team quickly. Can you please check anniversary notice and total yearly premium for 2026.","start_word":868,"end_word":1521,"sentiment":"neutral","sentiment_score":-0.012131160569437052},{"text":"Awesome. I will figure that out for you and let you know.","start_word":1522,"end_word":1533,"sentiment":"positive","sentiment_score":0.5676261186599731},{"text":"Yep. Just to kind of review that cover a little bit because you've got pretty well, like, a full suite. Like, everything is protected. You've Yep. got life insurance, that's 758,000 worth of Yep. cover. It's, like, $7.92 a year. Not too bad. As far as what that covers, so, obviously, your your mortgage is cleared because last time, I think, we had it about $2.60. Has that gone down a lot? No. So I've just I recently did some renovations, Yeah. and we we did some refinancing and what. So I roughly I I owe probably around $3.03 80 or something, $3.90, 400, something like that. Yeah. Yep. So we'll call it in the middle there about $3.90 owing. So Yep. what that basically means is that let's say you can never work again. You're in Yep. a car accident. You're you're knocked out for life. Yep. That clears your mortgage, leaves you with about $3.53 60, and then your super on top, which is getting closer to the $100 market sitting at $87.00 5 Yep. 6. So Yep. call it a little over $400 plus the mortgage paid off. That's kind of the situation you're looking at. Yep. Do you need me to look at increasing that to cover the extra debt, or are you happy with that amount? Yeah.","start_word":1534,"end_word":1755,"sentiment":"neutral","sentiment_score":-0.010408501518336504},{"text":"I think I'm I think I'm happy. I guess it.","start_word":1756,"end_word":1765,"sentiment":"positive","sentiment_score":0.5187109708786011},{"text":"Yep. The way I kinda work it out, and it's like a just a little bit of a work back, is let's say you've got, like, that $3.90 there. It equates to I think we had your income at about $80. Has that gone up? No. It sounds about right, I think. Yep. Let's see. I'm just trying to find So yeah. I reckon That that sounds taking into account tax, you're probably looking at, like, mortgage cleared and five years worth of expenses covered plus your Yep. income protection on top. Yep. That sound alright? Yep. Perfect. What about house value? Is that skyrocketed along with everybody else's? Yeah. So before we did the here's one of me here's one of me things here. This might be my last pay slip. It says my last pay slip of last financial year, I think, was around 93. That's 93. that's the gross earning gross earning. Yep. Yep. Last So financial I was like year. I was like I think I was around the 70 sorta take home. And is that a lot of, like, overtime on top, or is that just kind of hourly base rate I full do time? I do do overtime, but I wouldn't say I'm a very high overtime. It might only it might be an hour, maybe. One one or two hours here every week or make and some weeks none. So yeah. Maybe if you if you've worked it over a month, I might do maybe four or five hours a month maybe extra. Okay. So would that Yep. work out then saying, like, our base income of about $80 total income about 90 per year with just a little bit of extra, or is that would you say that's So if we just look at that again. inaccurate? So yeah. Well, I could probably even see what it probably nearly tells me. So it says for that financial so it says 93,000 Mhmm. and then it says my password's got all this on there. It says 70,000, which was my normal hours, and then it actually says here 4,700 overtime. Okay. So I only yeah. I only did 4 well, yeah, nearly 4 and a half thousand dollars worth of overtime for the last financial year. Yeah. Right. So it's more close to, like, 86 or something like that. Yep. And what I might do too is you're you're still working for Paul Bills Plumbing and Gas. I can see that's Yep. still coming through. Your Yep. contributions are basically the same every single time, which is really helpful because that basically Yep. tells me is this fortnightly we've got, oh, jeez, they're a little bit a little bit all over the shop. Let me just check this. $206.47 comes in. I'm gonna Yep. get her let's go fortnightly for a second. Provide that back. No. That's not right. We'll do weekly. Yeah. There we go. So if I work that back as a weekly, which is really good because they've made those changes where the employees have to pay them in line with your pay cycle Yep. into your super. So previously, quarterly, you'd have to wait three months for the super to come in. These guys are paying you basically every week, and Yep. it works back to be an income of around about 89,000, and then you've said around $4 of overtime.","start_word":1766,"end_word":2337,"sentiment":"neutral","sentiment_score":0.03576347673429059},{"text":"Yep. So that actually works back pretty well perfectly.","start_word":2338,"end_word":2346,"sentiment":"positive","sentiment_score":0.5441489815711975},{"text":"Yep. 4 Yeah. k.","start_word":2347,"end_word":2350,"sentiment":"neutral","sentiment_score":0.16933608055114746},{"text":"My my the office lady, which is my boss's wife, she's pretty good. She's under everything.","start_word":2351,"end_word":2366,"sentiment":"positive","sentiment_score":0.3694484531879425},{"text":"So Yeah.","start_word":2367,"end_word":2368,"sentiment":"neutral","sentiment_score":0.332794725894928},{"text":"They're they're really doing the right thing. Most people are waiting until they're forced to do it, but these guys have done it pretty well straight away.","start_word":2369,"end_word":2395,"sentiment":"positive","sentiment_score":0.4777960777282715},{"text":"yep. And it's really helpful for super because, basically, what it means is have you ever heard of dollar cost averaging before? Well, not not that, but the way I understand it is, like, if you're getting your super paid monthly, then you're only getting interest or something every month, whereas now I get interest every week or something like that. Is that sorta? Yeah. It's like invested earlier and invested for longer. Yep. And the flip side to it, which is really handy, is in the current situation when the stock market's going up and down like a yo yo because there's a war and a oil crisis and interest rates going crazy, if the market dips and you've got all these contributions coming in Yep. weekly, you get to buy up all these shares, property, gold for a cheaper price straight Oh, away, yeah. Then the next and week, you're it not goes missing up and a you've buying made money opportunity. and then yeah. Yeah.","start_word":2396,"end_word":2563,"sentiment":"neutral","sentiment_score":0.0720684751868248},{"text":"Exactly right.","start_word":2564,"end_word":2565,"sentiment":"positive","sentiment_score":0.3615396320819855},{"text":"So that just means that you don't miss out as many buying opportunities.","start_word":2566,"end_word":2578,"sentiment":"neutral","sentiment_score":0.26393893361091614},{"text":"Yep. Yep. Smooths your returns out, which is really good. Yep. So that's looking pretty cool.","start_word":2579,"end_word":2594,"sentiment":"positive","sentiment_score":0.5837804675102234},{"text":"Now I'm just having a look sort of goals wise. Mainly, everything we had noted down was just paying off the mortgage. You've done Yep. some renovations. What's kind of on the cards for you guys the next few months? No. Just keep I don't know. Just basic basic living, I suppose. Just had another baby.","start_word":2595,"end_word":2650,"sentiment":"neutral","sentiment_score":0.10541775077581406},{"text":"So Congrats.","start_word":2651,"end_word":2652,"sentiment":"positive","sentiment_score":0.35749387741088867},{"text":"Is that number three? three. Yep. Get through that. So he's only what'll be tomorrow will be three weeks old. That's why I'm actually at home at the moment. Okay. Three So weeks I go old. back to work Monday, but I'll be only doing sort of, like, half days because I gotta do I I gotta do kinder and day care pickup and drop off until my wife's cleared to drive. So we have to have a cesarean or whatever, so she can't drive for six weeks Oh, or yeah. something like that. So I have to stay home because of the school holidays because everyone's home. There's no kinder. And Yep. then, hopefully, yeah, I'll just be sort of doing, you know, nine till 02:30 sort of thing. But, yeah, back into it. And then, yeah, they get through that, and then, I don't know, really just, yeah, keep paying off the house, keep keep living, see what happens with the world, and go from Keep there. tracking along. Yeah.","start_word":2653,"end_word":2824,"sentiment":"neutral","sentiment_score":-0.024095353778711585},{"text":"I've never That's awesome, been more dude. happier to have a work car and a fuel car.","start_word":2825,"end_word":2841,"sentiment":"positive","sentiment_score":0.4500082135200501},{"text":"I don't know that much. Absolutely. Absolutely. Is yours a bit of a fuel guzzler? No. It's not too bad. And, like, I haven't been driving too much at the moment, but, yeah, it's just, like, it's just something I don't have to format for our personal car, which is just a run around town car. Obviously, we pay for, but Yeah. I'm driving for work and having a fuel card, and I drive that, you know, on the weekends and stuff if I go somewhere. So it's pretty handy at the minute.","start_word":2842,"end_word":2934,"sentiment":"neutral","sentiment_score":0.04364069178700447},{"text":"That's awesome, dude.","start_word":2935,"end_word":2937,"sentiment":"positive","sentiment_score":0.7102103233337402},{"text":"I've got I've got two boys, myself, and a girl on the way in July. Yep. How have the the older siblings been with the newborn? Really good. Too too good. Too good. They they they they love him too much. They're all like, like yeah. Don't give him any space. You try and put him on the floor for a bit of wriggle, and they're they're all over him and yeah. Yep. So but, no, they've And they've been how old really are the good. other two? Four and two. Four and two. Wow. You got Yep. the the gap perfect, mate. Nearly well, yeah. The my daughter will be three in July, and my son will be five in August. So yeah. But at the moment, yeah, four and a half, two and a half sort of thing. Awesome. Yep. So did you say two sons and a daughter? Yep. Boy, girl, Perfect. boy. Oh, boy.","start_word":2938,"end_word":3095,"sentiment":"neutral","sentiment_score":0.03225481137633324},{"text":"Amazing.","start_word":3096,"end_word":3096,"sentiment":"positive","sentiment_score":0.3964202404022217},{"text":"Yep.","start_word":3097,"end_word":3097,"sentiment":"neutral","sentiment_score":0.22519491612911224},{"text":"Amazing. Amazing.","start_word":3098,"end_word":3099,"sentiment":"positive","sentiment_score":0.46351587772369385},{"text":"And so Roxanne's okay after the C section, just recovering normally, nothing Yep. She's too crazy? all fine.","start_word":3100,"end_word":3117,"sentiment":"neutral","sentiment_score":0.13754962384700775},{"text":"Yeah. All traveling nicely as yeah. So yeah. All good. That's why I'm gonna hopefully get back to work.","start_word":3118,"end_word":3136,"sentiment":"positive","sentiment_score":0.45017367601394653},{"text":"But, yeah, I just have to do the bloody pickup and drop off stuff, but that's alright for the next few weeks, and then I'll be back into it again.","start_word":3137,"end_word":3166,"sentiment":"neutral","sentiment_score":0.15548527240753174},{"text":"Amazing. Amazing. I'm checking a few other things here.","start_word":3167,"end_word":3175,"sentiment":"positive","sentiment_score":0.4967690408229828},{"text":"Mhmm. We were still aiming towards, like, a age 67 retirement. Obviously, earlier would be nice too. Yep. Nothing too crazy on the cards.","start_word":3176,"end_word":3199,"sentiment":"neutral","sentiment_score":0.16352443397045135},{"text":"Your estate planning is looking alright too. I think you've got Roxy is listed as your beneficiary for the super, Yep. so that's all good to go.","start_word":3200,"end_word":3226,"sentiment":"positive","sentiment_score":0.4281899333000183},{"text":"It's on lapping, so it doesn't expire. I'm gonna double check that it's on the life insurance just in case, but that Yep.","start_word":3227,"end_word":3249,"sentiment":"neutral","sentiment_score":0.23671141266822815},{"text":"should be sweet.","start_word":3250,"end_word":3252,"sentiment":"positive","sentiment_score":0.4275871515274048},{"text":"You do also have so with your income protection, you've got a thirty day waiting period. So if you're out of work Yep. for more than a month, it kicks in, and they cover you monthly for up to five years. Yep. So if I work back, you're covered for 5,683 a month. Mhmm. And if I work that back at 70% actually, when did you get that policy? 2017. Ages ago. So this is yeah. This is the thing. I think when Amazing. maybe last year or the year before, I I think when we reviewed it, whoever I reviewed it with, it was like a I pay I pay a bit more or something like that. But because I've had it for so long, the benefits that I have of having it so long outweigh the little bit extra that I pay or something like that, like, massively. Yeah. Because what happened in 2021 is that the government actually restricted income protection to a maximum of 70% of your Yep. income. Your policy is before that, so it's 75 which gives you that little bit of a buffer that you Yep. can always be kind of that extra little bit covered, and Yep. that can pay a little bit extra. So if I work back your current cover amount at 75%, it's covering an income of about $91, Yep.","start_word":3253,"end_word":3483,"sentiment":"neutral","sentiment_score":0.055358624255115334},{"text":"Good. which is kind of perfect. Gives you that extra, you know, 600 a month because 70% for most people just get some buy on expenses. It means you might have an extra couple of dollars in the pocket.","start_word":3484,"end_word":3522,"sentiment":"positive","sentiment_score":0.5358515381813049},{"text":"Yep. Yep. I'll keep an eye on the premiums because, obviously, 3 and a half grand Yep. coming out of the super in total, 15% rebate off of that, it increases with your age.","start_word":3523,"end_word":3556,"sentiment":"neutral","sentiment_score":0.18577563762664795},{"text":"So Yep. in your thirties, it's totally cool.","start_word":3557,"end_word":3564,"sentiment":"positive","sentiment_score":0.5299602150917053},{"text":"Once Yep. you hit your forties, it can very quickly go up to $6.07, $8.09 grands, and we need to keep on top of it. Yep. So Yep. if you smash out that mortgage over the next five years and all of a sudden premiums are jumping up, we can always reduce it if you don't have as much debt to cover and Alright. just Correct. sort of Yep. play that Yeah. Yeah. balancing Because act. if something You know what happens I mean? to me, but I don't know. 400,000, then it's not as bad. It's not I don't need to cover that. Yeah. I know what you're saying. Yep. Yep. Exactly I don't right. have as The only much oh, I can't remember. No. I don't know. Anyway yep. Okay. Yeah. I know what you're saying. yeah. It's like less years to cover, less debt Yep. to cover, Less so best don't to need cover, as much so insurance. I've got less. Yeah. Yep. Yep. And Yep. the more we build up your super too, that'll offset it as well. I mean, everything's an asset at the end of the day. Yep. Your trauma cover, so that's $65,100 lump sum. So if you have a heart attack, get diagnosed with, you know, stroke, cancer, something like that, it's just an instant lump sum, gives you a partner time to take a bit of time off work and look after you, medical expenses if you wanna go private, all that kind of stuff. Yep.","start_word":3565,"end_word":3819,"sentiment":"neutral","sentiment_score":0.03726541695057177},{"text":"And the good thing too is because you pay that little bit out of pocket, you've got much easier definitions of easier claims on your income protection, extras package, like, everything you could want out of it, you've got.","start_word":3820,"end_word":3858,"sentiment":"positive","sentiment_score":0.6241698861122131},{"text":"Yep. Okay. Yep.","start_word":3859,"end_word":3861,"sentiment":"neutral","sentiment_score":0.20376473665237427},{"text":"Cool.","start_word":3862,"end_word":3862,"sentiment":"positive","sentiment_score":0.4771227538585663},{"text":"Yep. So you okay for me to just kinda leave that alone for the time being. Next anniversary Yep. is November. Just keep an eye on it. Yep. Yep. Yep.","start_word":3863,"end_word":3892,"sentiment":"neutral","sentiment_score":0.17924296855926514},{"text":"If you're happy when we're all happy, it sounds yep. Sounds good. Yep. Easy done.","start_word":3893,"end_word":3907,"sentiment":"positive","sentiment_score":0.521475613117218},{"text":"When it comes to the super, I was having a look at the performance. I've sent it through in that pack for you to have a look at with me. We've got I'm just bringing up your asset allocation because you're in a high growth. Yep. So Yep. you've got, say, 90% of your money in shares, property, gold. We call those growth assets. High Yep. risk, high return. Very little in the safe side of things because, obviously, whole point is to grow it. Yep. Now when you get close to retirement, you probably don't wanna be high risk at the age of 64. Market crashes, you lose half your super a year before you go to live off it. Do you know what I mean? Yep. Yeah. Yep. That makes yeah. I yeah. I think I yeah. I I understood. I got a good insight to that last review when they explained it to me. Oh, when I redid it all, yeah, they said, well, why are you young? You go as hard as you can to get it all. You can always make it back. But obviously, yeah, when you're older, you don't want it that risky because you you've probably got you're you're gonna need it soon, so you don't wanna lose it and then you're never gonna regain it back. Spot on. Spot Because on. I know So a fellow that yeah? another plumber who's a bit older than me. When COVID hit, I I lost $5 or something like that, and he lost, like, $500 because of the difference in super. Yeah.","start_word":3908,"end_word":4175,"sentiment":"neutral","sentiment_score":-0.017482393935545168},{"text":"And I'm like, shit.","start_word":4176,"end_word":4179,"sentiment":"negative","sentiment_score":-0.35024887323379517},{"text":"Yeah. So the $5 I lost because I only had 60,000, I can make that back. Whereas he had 200,000 or whatever and lost, you know, $5 oh, sorry, $50. That's a big difference, isn't it? Yeah. Yep. And because all the returns with these assets are percentage based, you've got $87 in your super now. Right? So Yep. benchmark for high growth is a consistent 10% return, and you're on Yep. track. So that for you is like $9,000. You put in a bit more than that in contributions currently. Yep. Now if you've got half a mil, now we're talking $50 up and down. In those later Yep. years, your returns kind of take off, and they do Yep. the bulk of it, but they're also the bulk risk because any movement, you're gonna see a huge swing like he Huge. did. Yeah. Yeah. Yeah. So balancing act is build it up to that million dollars as quick as you can and then start protecting it so that as you get close to retirement, we can make it safer and safer in the lead up to it once you've Yep. got enough. Yep.","start_word":4180,"end_word":4374,"sentiment":"neutral","sentiment_score":0.03547344729304314},{"text":"Cool.","start_word":4375,"end_word":4375,"sentiment":"positive","sentiment_score":0.3392947316169739},{"text":"And with your contributions going in weekly, like, it sounds like you you're okay to kind of ride out the waves of these or every seven years, there's something going on in the news. It Yeah. repeats constantly as long as you're okay to kind of use that as a buying opportunity and not panic. Yeah. That that's fine. Yeah. I think I Yep. said that, yeah, last year. That's something they make something. They come up with something every year. Every couple of years, they come up with something and it There's always a comes pandemic, back and then goes a away, war. comes back, goes away. But yeah. Always something. Always Yep. something. The main thing for us is in between now and then is we just need to make sure the investments you've got are good so that they're growing Yep.","start_word":4376,"end_word":4519,"sentiment":"neutral","sentiment_score":0.13126706851956746},{"text":"the way they should be.","start_word":4520,"end_word":4524,"sentiment":"positive","sentiment_score":0.4071619510650635},{"text":"Yep.","start_word":4525,"end_word":4525,"sentiment":"neutral","sentiment_score":0.24493323266506195},{"text":"All in all, when I'm looking at the performance, we've pretty much cleared a like, that 10% net return after fees, premiums, taxes, everything like that. So you're pretty well still okay. Yep. Most of the options there, you've got I mean, your gold's gone out of the park. You've got a bit of gold that's gone up 30% in the last year.","start_word":4526,"end_word":4588,"sentiment":"positive","sentiment_score":0.4521278142929077},{"text":"You've got international Yep. shares that are up double digits too. There's a couple there that have dipped a bit, your Australian shares and some Indian shares. So I'll probably keep an eye on those. And Yep. if they don't kind of pick back up at the next review, we'll probably have to maybe switch them out and Yep. try and find something a bit better like for like. Yep. Cool. Yep. With all of your, like, cash flow and everything, are you setting aside, like, a certain amount of savings into offset for the mortgage, extra repayments? Like, what's going on cash flow wise for you guys? So we we pay it. We pay a little bit more than we have to on the so I went through I think through you guys, I got on to I think, yeah, I think I rang out you to ask about a banker or, like so I got a banker through you guys who Mortgage. helped us Yeah. yeah. Mortgage broker who helped us with all our refinancing and everything for our renovation. So we were looking at selling and moving with the kids and stuff like this the the living area and all that just was getting a bit crammed and a bit tight. Yeah. But then it was right as the prices all went up. So, yeah, our house went we paid $2.50 for this, and they're trying to sell it for $6.50, but then the next house was $707.50 anyway. So, basically, yeah, you were making technically, you're making $300, but you weren't because you had to buy in the same market. And Yeah. then everything we're looking at was like so so, and we're like, look, if we're gonna do it, if we ever wanna do that, we don't ever wanna have to worry about it again.","start_word":4589,"end_word":4898,"sentiment":"neutral","sentiment_score":0.04399752514737268},{"text":"We just got sick of tire kickers coming around.","start_word":4899,"end_word":4907,"sentiment":"negative","sentiment_score":-0.3789854943752289},{"text":"You have to clean up the house, get the kids there, get the dogs there, do all this shit. Every people were coming down.","start_word":4908,"end_word":4931,"sentiment":"neutral","sentiment_score":-0.3084702789783478},{"text":"It just got too much, and we just did not.","start_word":4932,"end_word":4941,"sentiment":"negative","sentiment_score":-0.34905561804771423},{"text":"We're done. So and it was like we looked into it. It was like $60,000 in, you know, to buy and sell something, you're paying about $60 in fees and charges. Yeah. All your stamp duties and your agents All fees that. and yep. And I ended up doing we did the whole reno, everything we wanted for around I think it might have been 70. So for $10 more than just the fees and charges, we've basically got somewhere we can stay for as long as we want now.","start_word":4942,"end_word":5031,"sentiment":"neutral","sentiment_score":0.0006291829631663859},{"text":"Perfect.","start_word":5032,"end_word":5032,"sentiment":"positive","sentiment_score":0.4951746463775635},{"text":"Did That a few worked out extensions. well. Yep.","start_word":5033,"end_word":5041,"sentiment":"neutral","sentiment_score":0.20803281664848328},{"text":"So it worked out well.","start_word":5042,"end_word":5046,"sentiment":"positive","sentiment_score":0.4239791333675385},{"text":"It's just we've got that extra $100 loan now, but that's fine. So what we've done is we have 300, I think. Let me double check. He set it up a bit different. Mhmm. So yeah. So we've got $2.92 96 in a fixed home loan, Okay. Yep. which we we just pay the minimum. He said just pay the minimum on that because that is a fixed it can't go up. It can't go down. It's just fixed. So just pay the minimum on that for now. So we're paying that. Yep. We have a we have the 100,000 that we borrowed in a variable one. We Gotcha. also have we we're also paying more into that, and then our actual bank account is an offset to that. So, basically, what we're trying to do is we're just mashing that 100 as quick as we can and then worry about the rest at a later date or next time he reviews it or whatever for me.","start_word":5047,"end_word":5213,"sentiment":"neutral","sentiment_score":0.061081003330781786},{"text":"So, yeah, Beautiful.","start_word":5214,"end_word":5216,"sentiment":"positive","sentiment_score":0.4698351323604584},{"text":"that's sort Do of you how have we a set bit it of an up. estimate on, like, how much you're able to get in there, like, net if you had to scroll away some savings for anything else? So we've got about we've we've got about $7,000 in savings at the moment. Yep. And we're about well, we're five and a half. We've got five and a half redraw as well.","start_word":5217,"end_word":5288,"sentiment":"neutral","sentiment_score":0.12298034131526948},{"text":"So Perfect.","start_word":5289,"end_word":5290,"sentiment":"positive","sentiment_score":0.47420191764831543},{"text":"When did you start that? yeah. I can kind of do a bit of a calculation there. Probably this time last year sort of thing. The the home line's all Yeah. You're done. So I can just go 55 changed. $107, and we'll work that back. And think we had you saving around about 200 a week, and I'm working out maybe $2.40. So that that Yep. sound alright? Yep.","start_word":5291,"end_word":5360,"sentiment":"neutral","sentiment_score":0.10850100219249724},{"text":"Perfect.","start_word":5361,"end_word":5361,"sentiment":"positive","sentiment_score":0.4190937876701355},{"text":"Now given that that's the priority at the moment, do you want me to look at salary sacrifice extra into super for the tax deductions or just keep focusing on the mortgage at the moment? Yeah. No. I think we're, yeah, I think I'll just keep focusing on the mortgage at the moment. Like, my super and all that seems pretty good. Yeah. You're starting to catch up there in terms of average for your age, and you're starting Yep. to kind of go above the average now. So the longer you stay in that high growth and earn a decent amount, that will start Yep. going quicker and quicker. So it can be something for your forties and fifties. At some Yep. Yep.","start_word":5362,"end_word":5485,"sentiment":"neutral","sentiment_score":0.125358909368515},{"text":"point, $50 a week is amazing.","start_word":5486,"end_word":5491,"sentiment":"positive","sentiment_score":0.4910186231136322},{"text":"But, again, you you don't wanna lock away all the cash flow till you're 60 Nah. if you wanna be doing mortgage off, holidays, kids, all that kind of thing. Yeah. I think at the moment, it's probably better to just, yeah, have you know, keep making what I'm making because, like, you know, everything's going up. So I don't think I need You've to gotta put any have more that emergency away than I need. funds. Yeah. Yeah.","start_word":5492,"end_word":5570,"sentiment":"neutral","sentiment_score":-0.10221239353848408},{"text":"Yep. Fantastic.","start_word":5571,"end_word":5572,"sentiment":"positive","sentiment_score":0.557487428188324},{"text":"And are you guys ever do you ever consider jumping into some investing at some point in your life, or you just want to be debt free, look after, like you know, So do you want to build up assets for the kids? Or I have a block of land that we own that's in the region. That's two hours away from here. My parents are up there. So we've got a block there that we don't owe anything on. I looked at trying to sell it there a little while ago, but, again, nothing's really happening. So it's just sitting there. But we do have that. I have some shares of my own, but I don't know. Just everyone was talking about shares. So I bought some and they I don't touch them. I don't even know. They just sit there and do do whatever. Do you know how much the value is at at the moment just so I can note it down for So your file? I bought that it is let me go. I can tell you exactly whatever you want to know.","start_word":5573,"end_word":5759,"sentiment":"neutral","sentiment_score":0.04980270564556122},{"text":"Thank you, I sir.","start_word":5760,"end_word":5763,"sentiment":"positive","sentiment_score":0.4425022602081299},{"text":"also had another I was never gonna ring you guys the other day, but you're probably the best. So it's the ACDC Global West Battery Tech Lithium, I bought them. Okay. And just it's a silly story. You might laugh at me. I just bought them because it said ACDC. But battery, tech, and lithium, like, the last year or so, I'm pretty sure those that's going up massively with all the electric Yeah. vehicles So I've and made everything. pretty I've made I've got a mate who's very smart. He doesn't like to share a lot of he doesn't like to tell you anything because he doesn't want you you to hold him accountable. But he he sort of self supers and all this sort of stuff. And he Yeah. knows how to do the market and he's he's he owns a like a he's a local like an I IDA, you know, like the IDA shop supermarket. He owns one of them, but he knows how to run Yeah. the stock market and all that sort of stuff. Anyway, I just brought these and then he rang the other day and said, you've got them, didn't you? And he goes I said, yeah. And he goes, they're going really well, but he's got a lot more in there than I do. But market value. Alright. What do you wanna know? What do you need to know? What would you like to know? Just whatever it's valued at as of, I guess, today. Yeah. Like, the market value? Yeah. Market value is pretty much all I need. 1,600? Well done. So from what I'm seeing, I think those ones have doubled in the last twelve months. Yeah. Well, it says gain and loss. 680, 62% or something up. There there you go. Yeah. Not bad. Not bad at all. I only put a thousand I only brought a thousand dollars because it was a a couple of years ago. That's just I just went on. Yeah. That'll do. Yeah. Well, if there's anything to buy a year ago, that would have been one of the top five It might picks. have been a So couple of years ago now. Few years. I I also there's up up there, there's also, like, a a a small gold mine up there. Oh, yeah? And his old man sort of out there, ginning around, and I and I, like, brought the shares in that too, but that's that's no good.","start_word":5764,"end_word":6181,"sentiment":"neutral","sentiment_score":0.028118649898676212},{"text":"That's terrible. That's cost that's I've lost money on that.","start_word":6182,"end_word":6191,"sentiment":"negative","sentiment_score":-0.5284170508384705},{"text":"But the ACDC has made up for it a little bit. But, yeah, if they find gold, we'll be right, but they don't tend to be finding Fantastic. any gold. I haven't found it. So Just yeah. no. Still But looking. a question I did have, I was gonna ring the other day because you guys Yeah. look after the stocks because share for people because you sort of do that with my super anyway, really. Very close I to it. have bank accounts for the kids. Just not bank accounts. So just in my bank, I have three separate accounts for the kids. And I I transfer every week on payday, $10 comes out. Every every pay every pay rate, $10 for each of them comes out and goes into Yep. an account. Yep. I obviously make a bit of interest off them, but not a lot. I wasn't sure whether it's worth maybe moving their money or when it's, like, buying shares or doing something with them to try and make to try and get more money or if that makes sense, is what I'm trying to say. Yeah. It does.","start_word":6192,"end_word":6384,"sentiment":"neutral","sentiment_score":0.003283445313186843},{"text":"It does. It does.","start_word":6385,"end_word":6388,"sentiment":"positive","sentiment_score":0.33994174003601074},{"text":"Yeah. That's definitely something that we we kind of specialize in. Do you Yep. know how much is kind of split between each of the accounts at the moment? Would it be a few $100 each? Or So Pat, my oldest son, I started it when he was born.","start_word":6389,"end_word":6437,"sentiment":"neutral","sentiment_score":0.11376356333494186},{"text":"He's got $2,000 in there now. congratulations.","start_word":6438,"end_word":6444,"sentiment":"positive","sentiment_score":0.3807395100593567},{"text":"And my daughter's got 1,500, and William, the youngest, he's got $30. Then he goes three weeks. But yeah. So he got I put it in the reward saver sort of thing, and I don't touch it. So Pat got $7 interest the other day. It's obviously going up as money goes in. But then I was sort of thinking, I'm like, 7 I've been doing this for nearly five years, and he's only getting the $7 a month. Like, it's just sometimes you feel like you could I know you can lose more. You know, I'm never gonna lose in the bank. Like, the bank's never gonna take the money out whereas the shares can, Yeah. but you can also make more be more beneficial for them. So I just wasn't So sure. Run that I'm pastures. gonna give you two options here. I don't Yep. want you to dive into it today. I want you to kind of mull it over until our next chat, Yep. and we can sort of investigate it very, very specifically towards Yep. the end of the year as well. So Yep. let's say you've got Hub twenty four Super. I'll use that as an example. You Yep. can open an investment account with Hub twenty four, sits alongside your login, and you can invest it into anything they've got on menu, whether that's term deposits, safe stuff, shares, property, golds.","start_word":6445,"end_word":6682,"sentiment":"neutral","sentiment_score":0.07972826238940744},{"text":"They've got all the 1,300 options there for you. So you can go Yep.","start_word":6683,"end_word":6696,"sentiment":"positive","sentiment_score":0.3727892339229584},{"text":"low risk, medium, high, whatever your whatever the goal is. Yep. So let's say you put it in that account, the same $30 a week or whatever it is, Yep.","start_word":6697,"end_word":6726,"sentiment":"neutral","sentiment_score":0.21979700028896332},{"text":"that can be built Yep.","start_word":6727,"end_word":6731,"sentiment":"positive","sentiment_score":0.33494240045547485},{"text":"up and invested a little bit quicker than what the bank does. But the flip side is for hub twenty four specifically, they're usually good if you've got, like, $50 or above because of Yeah. fees. Yep. Whereas that ETF that you bought for ACDC, once you've paid that brokerage, there's barely any fees to hold that. Yep. So you buy an ETF direct through your Comsec account, NAB trade, whatever you're using. You pay Yep. a small brokerage. The fees ongoing fast, like, what, 0.1%, 0.2. Whereas Hub could charge you, like, a 180, $360 flat fee a year to hold that whole platform. It's like the fanciest platform you can get is the Ferrari. Yeah. Yep. Yep. So until it's a bigger balance, I wouldn't use those guys for that. Yep. But it is a way of investing and picking and choosing anything and getting a bit more than the bank interest. Yep. Reason why I wouldn't do it today, not just the fees, is because the bank interest is decent. Like, I know Yep. $7 a month isn't much, but a guaranteed five or 6% as opposed to a high risk eight or 9% given the market. Yep. The opportunity cost isn't looking too good at the moment compared to when interest rates were zero, and you could still get 10% in the market. Yep. Yep. That's Does understandable. that make sense? Yeah. Yep. Yep. The other thing I wanna look at down the line is they've got things called child builder bonds. Yep. What it is is you can pick investments in there too, but it's a it's a tax paid investment. So let's say you put that $30 a week into it. You can start with $5. You can start Yep. with a low amount. Once you've held it for 10, it becomes, I guess, tax paid, tax free. So in the 18, you can hand these funds across to them, and they're not gonna cop a big capital gains tax out of them. Yes. Yep. So you kind of Every pay sort for the of tax tax. for the first ten years.","start_word":6732,"end_word":7089,"sentiment":"neutral","sentiment_score":0.1261620969412713},{"text":"If you hold Yep. it for eighteen, you're really sweet when you hand it over to them for a house deposit or whatever it is.","start_word":7090,"end_word":7114,"sentiment":"positive","sentiment_score":0.441609263420105},{"text":"Yeah. Car or something like that. Yep. School Yeah. or whatever So it might be. two different options there. Let Yep. you do your $30 a week for the time being. But next time I speak to you, I'll kind of crunch some numbers. We'll have Yep. a look at it. And if we wanna jump into that, we can. Yep. Right now, all that's gonna happen if I did it for you today, you get charged some fees to go in.","start_word":7115,"end_word":7196,"sentiment":"neutral","sentiment_score":0.005178222432732582},{"text":"Stock market starts plummeting because the war is going on, and that few grand Yep. starts going down. It's just not the right time.","start_word":7197,"end_word":7220,"sentiment":"negative","sentiment_score":-0.45575371384620667},{"text":"Yep. No. That's fine. That's why I just thought yeah. Because obviously, the more money I put, like, as it keeps going and going and going, the interest will obviously go up. And then I was like, do I just join them instead of having three different accounts? So I just do one account, but then it gets messy, I suppose. It can get messy at the end when you try to distribute Split it up. it to to them. They're like, oh, but you could just go right. Oh, well, wait till William turns 18 and then but then the others might need it. So yeah. Just yeah. Just keep them separate. Because I thought if Yeah. I Free accounts merge them is together, fine. you'd get more interest. But yeah. It's just about, like, fees. If you're paying fees for the accounts, just be careful there. If No. it's I those think it's low still fee free. savers. It's just one of their eyes. It's it's the NAB Super Saver or Eye Saver. As long as I don't put any take any money out and there's a I think I I can't touch it and I have to have money going in before the last bank day of the month or something, you get the full interest of that month or something like Yep. that. Yep.","start_word":7221,"end_word":7448,"sentiment":"neutral","sentiment_score":-0.01303602679910367},{"text":"Perfect.","start_word":7449,"end_word":7449,"sentiment":"positive","sentiment_score":0.638858437538147},{"text":"So The same I've one just that got I use a as direct well. debit straight out of my pay every week, $10, $10, $10, and it's just been slowly building up.","start_word":7450,"end_word":7481,"sentiment":"neutral","sentiment_score":0.26151788234710693},{"text":"So yeah. Amazing. We'll just keep So doing that.","start_word":7482,"end_word":7490,"sentiment":"positive","sentiment_score":0.42303580045700073},{"text":"let you do that. Once Yep. we've got a bit more certainty on what's going on in the world, I'll show you a few different Matt, I would Yep.","start_word":7491,"end_word":7519,"sentiment":"neutral","sentiment_score":0.2164672166109085},{"text":"love to dive into that with you. That's brilliant.","start_word":7520,"end_word":7528,"sentiment":"positive","sentiment_score":0.5387369394302368},{"text":"Yep. No. That'd be good. And, like, again, you guys can you'll be able to set me up and then sort of monitor it all for me and and stuff like that as well. Yeah? Yeah. Correct. Yeah. So You if might we just do say, oh, this is what we reckon you do, and then I'll go and do it no. and stuff it up or something. No. So when it comes to, like, those bonds, for example, with the lower amounts, we Yep. set it up and I'll incorporate it in the annual reviews, Yep. And we don't really even charge anything ongoing to look after that. If Yep. we do the big, you know, $50 in hub trying to build it up to 500, we do charge Yep. to manage it like we do for the super. Yep. But either one, we're not just gonna set it and forget it. Yep. No. That's cool. Yep. Cool. No.","start_word":7529,"end_word":7688,"sentiment":"neutral","sentiment_score":0.07420270340517163},{"text":"Great Yep.","start_word":7689,"end_word":7690,"sentiment":"positive","sentiment_score":0.3991312384605408},{"text":"question.","start_word":7691,"end_word":7691,"sentiment":"neutral","sentiment_score":0.2715182304382324},{"text":"That's awesome.","start_word":7692,"end_word":7693,"sentiment":"positive","sentiment_score":0.7021216750144958},{"text":"I'll put No. it That's down right. on the Yeah. file Because as when a I future set it goal. up when I originally switched when I originally spoke to you guys the first time and then the fellow who set it all up with me, I can't remember your name now, a couple of years ago, he's like, look. We offer all these services and you're already paying, so you ring us and you ask us any of it. I said, right. So yeah. Alright.","start_word":7694,"end_word":7779,"sentiment":"neutral","sentiment_score":0.09083885699510574},{"text":"So that's my favorite.","start_word":7780,"end_word":7783,"sentiment":"positive","sentiment_score":0.5369424223899841},{"text":"And, yeah, anytime that something like that pops up, give us a buzz. I've already made Yep. a note so next time I talk to you, we can Yep. go over a similar deal. And, yeah, mate, we we basically specialize in trying to get people into different life Yep. stages. You Yep. start simple, get your budgeting, get your house, get your super, and then we start going, hey. Let's invest for the kids. Let's do some of this. Eventually, once you've got assets, what's your estate plan? Let's get some trust involved. Yep. Borrow if you need to. All these things come into play over the years Yep. as long as you're able to step through that alongside us. Yeah. Yeah. So, like yeah. So back to your original question of, yeah, I've got that block of land and then just that little bit of shares that I've just got. There's only about two I think it's 2,200 that is sitting in that Navtrade account at the moment. It got up. Was that the ACDC went off for a while and it went up. It was about 2 and a half there, but then when the war and all that kicked off, it went back down. But now it's starting Yeah. to go back up again. So yeah.","start_word":7784,"end_word":8003,"sentiment":"neutral","sentiment_score":0.08712711185216904},{"text":"That's awesome.","start_word":8004,"end_word":8005,"sentiment":"positive","sentiment_score":0.5252355933189392},{"text":"Yep. I've got it noted down. We got the ETFs there. We've got the bank accounts for the kids, the land, the home, the car, the savings. Yep. So you're Yep.","start_word":8006,"end_word":8036,"sentiment":"neutral","sentiment_score":0.10133592039346696},{"text":"doing everything right Yep. and really good to see. Super's tracking along nicely. The Yep. insurance is good to go as long as you're okay for that premium on the twenty seventh.","start_word":8037,"end_word":8068,"sentiment":"positive","sentiment_score":0.5479158759117126},{"text":"Yeah. Yeah. I'll yeah. It'll it'll come out.","start_word":8069,"end_word":8076,"sentiment":"neutral","sentiment_score":0.2414724826812744},{"text":"That'll be that'll be fine.","start_word":8077,"end_word":8081,"sentiment":"positive","sentiment_score":0.3475242555141449},{"text":"Yep. I'll just have to Cool. work that out.","start_word":8082,"end_word":8090,"sentiment":"neutral","sentiment_score":0.19517886638641355},{"text":"That's fine.","start_word":8091,"end_word":8092,"sentiment":"positive","sentiment_score":0.34612274169921875},{"text":"Yep. I'll be back at work by then. The last thing I was looking at, just estate planning wise, it's probably obviously not the most impressing thing right today, but just getting a will in place, Yeah. power of attorney, will, that kind of stuff. Me and Roxanne have been meaning to do that for a long time. When we recently brought this house, they were pushing it, you know, now that you've got a mortgage and you should get a will. We've been we've been we've been meaning to do it for probably five, six years now. We haven't done it, but it's probably something we should get on to. Yeah. It's our our yearly reminder, but I guess the the information that I like to pass on to people is is kind of three easy ways to do it. You can call up a local solicitor and put in place a basic will and a power of attorney. Mhmm. The public trustee of every state, you know, like the courthouse, they also Yep. do appointments, wills, powers Yep. of attorney as well. And if you're that way inclined, you can even get a $25 will kit from the post office. Yeah. Okay. Yep. When when it's just mortgage, lands, that kind of thing, it's pretty easy to do. Now that you're Yep. starting to branch out, you might wanna be a bit careful with it because if you've got shares, bank accounts that you wanna go different ways, you can get a bit more specific on it. So you Yep. just gotta be the more you build these different things up, the more careful and complex it gets. Yep. Yep. But the basic ones are easy to do, and then you can just update them every couple of years if you need to once you get everything else running. Yep. Yep. Yep. That definitely something we need to look into. Like I said, to find them things, you think, oh, yeah. We we will, but then you're not expecting the dynamite at the moment, are you? So it's just something you forget No. about. So it's just something we've gotta get into onto. But, yeah, And one haven't of the done main it. things that I find, like, really important for our age is, like, when it comes to a power of attorney, right, if you're in hospital and you can't act on your own behalf, if Yep. you've got bank accounts in your name and your partner has to go to the courts and sue for probate to try and get access to the bank accounts to pay the mortgage, that's a pain. Yeah. Who Yeah. can Because talk I to the can't doctors do anything. on your behalf? You can't do anything so that you you know, trying to call the bank up. Hey. Look. You've got all this money sitting there. We're trying to pay the mortgage. They go, yeah. No. Where's your court order? Blah blah blah blah blah. It just makes things easier on them. Yep. Yeah. Yep. Yep. No. Completely understand that. So, yeah, something we definitely have to get on to at some point. I'll talk to Roxy today and maybe next Wednesday. I think everyone's out. I'll be back at work and both kids go to daycare and kinder might be something we look at. We'll try and get on Oh, to that as well. We're gonna look at our health insurance. The renewal just come in the mail, so we're gonna have another Joey. look over that as well. So yeah.","start_word":8093,"end_word":8694,"sentiment":"neutral","sentiment_score":0.01944362739738436},{"text":"Awesome, mate.","start_word":8695,"end_word":8696,"sentiment":"positive","sentiment_score":0.5040720105171204},{"text":"No.","start_word":8697,"end_word":8697,"sentiment":"neutral","sentiment_score":0.3225109577178955},{"text":"That's really good to hear. Mate, that's pretty much everything I had for the review so far. Everything is just going really well.","start_word":8698,"end_word":8720,"sentiment":"positive","sentiment_score":0.4309694170951843},{"text":"Most people Yep. are in a bit of a world of hurt at the moment, so I'm glad to see that you're in a positive space. Yeah. No. I just I don't know. I'm not the only one paying for the fuel, am I? So it doesn't directly affect me. It does, but Yeah. we're all paying the same. But you're all paying the same, and we're all paying. It's not as if it's just at me. And then, like, all the balls and all that other until it affects me directly, I just don't worry about it. There's not Yeah. much you Yep. can do with this.","start_word":8721,"end_word":8828,"sentiment":"neutral","sentiment_score":0.06242023822334078},{"text":"So Easy done.","start_word":8829,"end_word":8831,"sentiment":"positive","sentiment_score":0.34656643867492676},{"text":"no. So what The I only might other do if question it's, I had yeah, go for for it. you now you're talking about trusses and all this sort of stuff. I I've been doing my plumbing licenses. So I've been driving down to Melbourne and doing all the courses. So when you finish your apprenticeship, you're a registered plumber, which you have to pay for, Does which that allows mean me that you're to work technically trade qualified currently? yeah. So yeah. So my so I'm a registered plumber at the moment. So I can work for a plumber as a plumber. Without Gotcha. my registration, I can't work for your plumber. To work for yourself or have your own business, you gotta be a licensed plumber. So you've gotta go back to trade school, and you've gotta do a certificate for so it's been Danny I've been going to Dandenong. It's about a three hour drive. I've been doing Monday, Tuesday, Wednesday, Monday, Tuesday, Wednesday for basically last year and month month on whatever. Anyway, it doesn't matter. I was sort of thinking about going out subbing hopefully subbing to the employer I'm in now and then start my own gig. Yep. Yeah. But, obviously, with everything that's happening at the moment, I've just put the queue in the rack and just sort of just see where the world goes at the moment. Because at the moment, I'm getting paid. My boss has got plenty of work.","start_word":8832,"end_word":9080,"sentiment":"neutral","sentiment_score":0.02371291816234589},{"text":"You don't wanna be chasing work when people don't have any money and rah rah rah rah.","start_word":9081,"end_word":9097,"sentiment":"negative","sentiment_score":-0.34000009298324585},{"text":"And if you're a subby, he's easy to he can just say, look.","start_word":9098,"end_word":9110,"sentiment":"neutral","sentiment_score":-0.05694616958498955},{"text":"Don't come in next week. I've got no work.","start_word":9111,"end_word":9119,"sentiment":"negative","sentiment_score":-0.4035375714302063},{"text":"Whereas full time, you you have to come. You have to get paid. I got a fuel card, work card, all that sort of stuff. Yeah. Exactly right. But say, later down the track, is that something I talk to I can talk to you guys about, like, if I was to set my business up a different because I know some people have trust. Some people have, like I don't know. I because I know yeah. Somehow my Like, boss, bucket like companies and trusts and yeah. all Somehow kinds of stuff. my boss his daughter gets paid and oh, I don't know how they work it all out. But is that something you guys sort of look at as well, or is that different? A little bit. A little bit. So we we go through all of the strategies with everybody, and we Yep. can kind of step you through it. But, Yeah. obviously, when you go into all this stuff, you need a good account. So what tends to happen is when you first start off on your own, you get your ABN, your subcontract, Yeah. you go and get the first invoices, and so on. Yeah. You pretty well spend that first possibly three to five years just building up your your cash flow, getting used Yep. to being GST registered, doing Yep. your BAS Just statement, as a all Soul that kind Trader, of stuff. basically. Pretty much. Just as Pretty much. just as So an IVN. Yep. that's how you start it. And then Yep. eventually, once things go smooth and you used to have a taxes work and you do your tax returns and all that kind of thing, you then start going, okay. Well, I need to start paying myself some super. Yep. So you Yep. either do some contributions in and claim them manually, Yep. which we help with, or you pay yourself wages from your company and super on top like your current employer does. Yep. Yeah. Yeah. See. Because Once I you've think got that that yep. once you've got that, then you start branching into a k building company, trust, and then income splitting Mhmm. between Yep. spouse, children when they're a bit older. Yeah. Yep. Yep. So think Yeah. of it Because as I like think a my boss 15 is like year a proprietary plan. limited or whatever. He's a Yeah. so he basically works for the company. That's his company. And, yeah, I think he does that. He gets paid a wage, and I think somehow he's sort of he's, like, oh, it's like a trust, or they've got all this stuff set up. And I was like, oh, yeah.","start_word":9120,"end_word":9574,"sentiment":"neutral","sentiment_score":0.113874610718135},{"text":"That's pretty cool.","start_word":9575,"end_word":9577,"sentiment":"positive","sentiment_score":0.4604322910308838},{"text":"But, yeah, you wouldn't worry about that for a while. He's been doing it a long time. So yeah. Yeah. It's all about, like I keep saying, stepping through those different stages. That first bit as a sole trader takes some getting used to and, like you said, getting some some stability on the cash flow Yep. side of things. Yep. And then you start going a bit more into structures, entities, and all that kind of thing. And Yep. it's really, really good if your wife starts getting involved in the business, the children get old enough, all that kind of thing. So, Yep. again, think of it as like, what, you're mid thirties now. You Yep. may, over the next few years, go out on your own, and then you're Yep. building it up through your forties. You start branching out into these things, late forties, Yep.","start_word":9578,"end_word":9726,"sentiment":"neutral","sentiment_score":0.15387029945850372},{"text":"really successful in your fifties. Everyone's involved. You've got assets.","start_word":9727,"end_word":9736,"sentiment":"positive","sentiment_score":0.434777170419693},{"text":"You've got all these kinds of things.","start_word":9737,"end_word":9743,"sentiment":"neutral","sentiment_score":0.30416417121887207},{"text":"It Yep. is really a whole life plan, and we just do it one one year at a time.","start_word":9744,"end_word":9762,"sentiment":"positive","sentiment_score":0.4459547996520996},{"text":"Yep. Yep. Or you just keep working for him forever, Or you which just isn't keep working a bad thing forever. either. Yeah. Yeah. Which Get isn't the fuel a bad card. thing either. Yeah. Oh, no. And so, yeah, I've done all my licenses, and I've got it already there to send off. I can I they can they sit against your name for, like I can have them just sit there for about ten years, I think, before I do if I wanna do something with them? Yep. And I was pretty keen because, you know, it gets to a point where you're like, okay. So, well, I'm just gonna work for this same boy forever. I just get up and go work for him and pay his daughter's trust and school fees and all this sort of stuff. Or try And then it yourself. but then the world, just the way it went at the moment, I might just hold on a bit.","start_word":9763,"end_word":9928,"sentiment":"neutral","sentiment_score":-0.10130498899393772},{"text":"Like, I don't wanna go out on my own now and be paying $3.50 for fuel, and no one's got any money. So no one does any work and yeah.","start_word":9929,"end_word":9958,"sentiment":"negative","sentiment_score":-0.3947117328643799},{"text":"Yeah. Just And seems look, like it's a good time trade to just is a wipe still it in. demand everywhere. And before this happened, materials were expensive, and every trading I know and every trade has been booked out like crazy. So, like, the opportunity in Australia is always there. But Yeah. is it the right time now if you can cool the jets for twelve months and see how things blow over? Might be the right time next year. Yeah. That's what I'm thinking. Just especially and now just having the other baby and sort of everything just sort of happened at once. I'm like, oh, god. Might just sit back for a bit and see what happens and go from there. I gotta get a car. That's the other thing. Yep. It's good to have a work car and a fuel car, but now at the end of the day, I don't now I don't have a car to to work at. So you gotta sort that problem out as well. So yeah. Yeah. And then you've got to try and get through some temptations because the moment these guys go self employed and they start earning a couple $100, everybody's like, I'm gonna get a tax deduction for buying another ute, and everyone's got the Forester and the and the this and the that, and they're buying a $60,000 car every couple of years, and the accountant's telling them to calm down. And but it's just, again, working through those things until you know Yep. you're stable, you're mature about it, and you're you've got your plan, your direction. So, yes, we help with all of that. We Yep. need a good accountant alongside you when you go to do that because we can't do the entity setups, the tax returns, and Yep. that type Yep. of You need advice to and you planning. need to can for all that. Yep. Yeah. Yep. So Yep. we work in tandem together when the time is right. Yep. Yep. Beauty. No. That's all. I just did. Just sort of quickly run that by to while while we're chatting. So yeah.","start_word":9959,"end_word":10320,"sentiment":"neutral","sentiment_score":0.04272596001913205},{"text":"Fantastic. Fantastic.","start_word":10321,"end_word":10322,"sentiment":"positive","sentiment_score":0.6526442766189575},{"text":"The last thing I was gonna let you know is you've already signed the service agreement with us. Yep. So you're up for review around about all this time. Mhmm. I'm thinking all I'm gonna do is I'm gonna set for, like, maybe a three month catch up for you, and Yep. we can talk through the investing side of things, see how everything's going with the markets. Yep. Yep. Once you get a renewal notice for your insurances around October, we can keep an eye on the prices and kinda go from there if that's alright. Yep. That's fine, mate. Yep.","start_word":10323,"end_word":10424,"sentiment":"neutral","sentiment_score":0.11388137191534042},{"text":"Sounds good. You guys are all over it.","start_word":10425,"end_word":10432,"sentiment":"positive","sentiment_score":0.4406078457832336},{"text":"So yeah. Like, the only thing that I've sent you in that pack to sign, if you're comfortable, we're we're pretty careful with tax file numbers these days after all the cybersecurity issues last Yep. year in in the country, you Yep. know, all the Optus leaking data and all this kind of thing. So Yeah. Yep. we've got basically tax file number opt in forms. So instead of holding your tax file number on a bunch of digital systems, it's just one form. And if you're Okay. okay to consent to that, we'd rather just have it there than everywhere Oh, else, yeah. but we want your consent because it's your most important number. Oh, yeah. That's fine. Yeah. So that's this one I've just clicked on now. It says to sign. Yeah. And it should say option to provide tax file number. Number's already in there. It's Yep. just got signature name and date in there, and that's Yep. the only thing to sign in this pack. Everything else is just for you to keep for your super your insurances. Yep.","start_word":10433,"end_word":10615,"sentiment":"neutral","sentiment_score":0.07268783682193912},{"text":"That's fine. I can do that. Lovely.","start_word":10616,"end_word":10622,"sentiment":"positive","sentiment_score":0.4502390027046203},{"text":"Oh, yeah. It's done it all for me, has it? I said that's not my signature. Did it let you change it? Because this is a system that we've gotten kind of Oh, it built says for us. auto. It's done a little flash signature for me, but as long as that doesn't matter or should I do draw my own? So when it comes to us, we're fine for that. That It type says of auto. signature is fine. So you could click auto and it'll auto put a signature in for you. Gotcha. Or you can Or you draw. can hit draw or you can hit load, which you must be able to load up an old signature or you can write Yeah. your own. Upload So a file or something. if it Yeah. doesn't matter if I just got auto, if that's gonna be fine. Yeah. Auto is fine for us. It's just when we're sending things through to a super fund or an insurer, generally, you need to draw it on there. Otherwise, they might not accept it. Yep. So for So us, that's so this totally one will fine. be alright, though, or should I just Yeah. draw it? No. That one's totally fine. Okay. Cool. Yep. That no. That's fine.","start_word":10623,"end_word":10838,"sentiment":"neutral","sentiment_score":0.029908685289599276},{"text":"I can do that for you. Just done Beautiful. it.","start_word":10839,"end_word":10848,"sentiment":"positive","sentiment_score":0.5304883718490601},{"text":"Right? Alright. It should also pop up then to download the signed copy for yourself. Yep. Just still waiting. And that email itself, all of that review pack is basically PDF attachments just like a normal email. Yeah. I see that. Yep. And okay. Yep. Yep. No. That's all. Yep. That's all gone through. It's all sitting there. Yep.","start_word":10849,"end_word":10907,"sentiment":"neutral","sentiment_score":0.08560576289892197},{"text":"Perfect.","start_word":10908,"end_word":10908,"sentiment":"positive","sentiment_score":0.5104969143867493},{"text":"And I dropped? Alright.","start_word":10909,"end_word":10912,"sentiment":"neutral","sentiment_score":0.24662315845489505},{"text":"And that's come through perfect back to us.","start_word":10913,"end_word":10920,"sentiment":"positive","sentiment_score":0.5141124725341797},{"text":"And done. Alright. Any Yep. other questions for me before I let you go? No, mate. I think that's it. I'll I'll let you go and do some more. Talk to some other people. I've held you for nearly an hour now. So yeah. Mate, I always look out now for you at Yep. least. And, Yep.","start_word":10921,"end_word":10977,"sentiment":"neutral","sentiment_score":0.08202846348285675},{"text":"look, I'm glad you took Yep. the call today because the the insurance has got sorted. Everything's looking good. We've got a plan, and I can book you in for a few months' time for the next steps, and I'm looking forward to it. Awesome, mate. Beautiful. Thank you. Awesome. Have a fantastic day. Anything else? Give us a buzz. Alright. Thanks, mate. Cheers. Have a good day. Cheers, Grant. Bye.","start_word":10978,"end_word":11048,"sentiment":"positive","sentiment_score":0.6596643328666687}],"average":{"sentiment":"neutral","sentiment_score":0.07041456566824839}}}}