{"metadata":{"transaction_key":"deprecated","request_id":"01a030c3-9c44-7912-a9b6-849de4c99c9b","sha256":"415d8fc2d50497d74b4311e56e6f4cae024fc500e503e339bffc0ee5576de5c8","created":"2026-08-23T22:35:22.915Z","duration":1002.5999,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3706,"output_tokens":119},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4078,"output_tokens":4086},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4078,"output_tokens":234}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Nick. It's Dana from Okie Financial. How are you this morning? I'm very well. Thank you. Thanks for asking. I had you booked in this morning for a bit of quick catch up. Is now still a good time there for you? Oh, fantastic. Nick, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just a little quick security check there for you, sir. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. From our last catch up, we were gonna check-in just to sort of see how things are going in the job space, see what was changing in your life, and just sort of double check to see how things have been tracking since our last advice piece had been provided there for you. So firstly, how is it all going? How's everything going with the job hunt? Okay. Fantastic. So a subcontractor there, and this is obviously delivering packages and things like that. What is probably the heaviest package that you think you might be delivering? Okay. Yep. Yep. Beautiful. And you'll be doing sort of normal full time hours, or do you know what sort of hours you'll expect to sort of be doing when this all sort of kicks off? Mhmm. Yep. Okay. Pick up and deliver. And do you sorta get paid for the hour, or is it more just about how many packages to deliver for for sorta income wise? How did that work? Yep. Mhmm. Yeah. Yeah. Nice. That's awesome. Well, that is really good. I'm so happy you sort of found something to keep you busy and keep your mind occupied occupied for. So sorry. It's still early in the morning. I do apologize. All good. And so you're picking the van up this week, hopefully, you said. Is that right? Yep. Beautiful. And so if you get the van sort of this week, you should be able to sort of start doing that as of next week. Is that right? Or do you have a a date you're planning to start, you know, logging in? Yeah. Because you're technically self employed now. Yeah. Absolutely. No. Definitely. Perfect. Well, what I would sort of say when it comes to where the strategy is at at the moment, we will have to retain your q super just a little bit longer. Normally, when you're starting a new job, they kinda want you to be outside of a probationary period because this is more of a self employed thing, and it's very different to what you have done previously. What I might do is I might just go back and do a little bit of pre assessing with some of the insurers to see how long they would like to sort of see you in that role for and doing the work before they look at maybe offering any sort of insurance cover just so we get a guide on what we're up to. And then if you're comfortable with that, I could send you an email just letting you know this is the sort of outcome of the preassessments. This is what we're looking for. This is the sort of time frame we have, and then we can come back and reassess your insurance strategy within that in that time frame. Does that sound okay with you? Yeah. Beautiful. I'll get my team onto doing those pre assessing pre assessing everything we have with the information I've got today just to sort of give us a bit of guide on where we're tracking for. Then I can give you an email, then you've got a bit of a guide on what we're sort of looking for moving forward, and we'll see if we can sort of put some things in place to get those insurances sorted, get things consolidated for you down the track, and it'll be good. You'll have something to occupy you a little bit more as well. That'll be good. Fantastic. Yeah. Well, I hope it all goes well. That's fantastic. Is there anything else that you sort of wanted to bring up with me today or wanted me to kinda work on for you or any other questions you might have at the moment? Or yep. Yep. Mhmm. Yep. Mhmm. Yeah. Yeah. Definitely. So we can provide additional advice in those sorts of areas. We are limited around the business side of things because we don't have any way of looking at sort of a business and the outgoings. If you are looking at buying a cafe, what I would probably look at doing is speaking to your accountant. That would be the best ones to be able to go through the cafe's financials and determine, you know, the tax consequences for you, whether the cafe is profitable or not, where the outlays sort of are. That would be more of an accountant's thing to do. Have them kinda go through the books and look at the cafe that you're, you know, looking to buy, look at those books in detail for you to give you more of a tax outcome on how that looks for you. If you are looking to sort of, you know, invest the funds in maybe other property or invest outside of super or within super and build your other investment options, then we can definitely provide advice around that area. It's just around that business aspect. It's a little bit harder for us because we don't have any way of really valuing the cafe, valuing the business. We don't really do business advice as such. It's a very much a niche area. And, realistically, that would be more something your accountant can help you with anyway. So they would be get you as part of purchasing the cafe, you would need to get a copy of the financials to the business to be able to work out whether it's profitable or not, taking that back to your account and just having them have a look at that for you to determine, you know, how long the the cafe's been working for. Is it profitable? You know, where are the expenses? What's the staffing look like, what does the, you know, tax side of things look like for yourself, what you can or can't claim with regard to that, whether you're setting up a company versus being a sole trader, and what kind of income you might be able to draw on on what the overall tax situation looks like on that. So that would be more of an accountant sort of area rather than a financial adviser side of things. But if yeah. Again, it depends on what your goals are. If you're looking to invest some of that money and maybe an investment portfolio outside of super or wanting to buy property again with it or, you know, depending on what your goals are, whether you're wanting to maybe put some of it in the super to provide the a bit of an additional boost there, we can definitely help with that. It just comes down to what your goals are and what you're sort of wanting to achieve with those funds. I'd probably wanna have another conversation with you when settlement is all sorted. Do you have a settlement that you know how much you're gonna end up with just so we can kind of really know that how much you've got available to you to use and what aspect and whether it it's going down that business route or whether you're wanting to maybe put it away and invest it for the time being to kinda grow it whilst you're not sure what you do. We can sort of talk more in-depth about that. But understanding how much money you have and what your goals are with that is really important to making sure that the the recommendations are appropriate to you. So it's definitely another conversation I wanna have, but I'm very excited for you. Are you feeling good about the decision that you've made with the house? Is everything sort of do you feel a little bit less stressed about it all now, or how do you feel? Yep. Yeah. Yeah. Yeah. Absolutely. Diversify your investments and kinda build for the future. Absolutely. I like it. Yeah. Yeah. Yeah. Fantastic. No. That's a really great goal to have. I'll definitely make a note of that here and and something to work towards. Do you know sort of how much that might cost you? You did say it'd be quite expensive with what you wanna do. Have you looked at the the sort of costing around how much you might have to spend on on your goal for that? Wow. That's insane how kind of money that is. That's beautiful, though. I can imagine what you're trying to build. Absolutely. Absolutely. Wow. I mean, that kind of a rank would be huge and amazing, honestly. I can only imagine that the sort of running cost to that sort of thing would be pretty high too, wouldn't it? Yeah. Yeah. No. That's fantastic. I love that goal. That is beautiful. Something to kind of work on. So I'll make a note of that here that for us to kinda keep tracking as we still look at what to do with the funds and keep building on that. But, yeah, for the time being, I think I'll go back and I'll do a bit of a pre assessment with the insurers to see, you know, how what they're gonna wanna see with regards to that new role, especially if you are now self employed, and this is very different to what you have done in the past. We'll get an idea of how long you'll need to have done that role for to be able to look at, you know, the insurance aspect there. And then, yeah, when you know a bit more about when the property is to go through and be sold and when you should have those funds available to you, then we'll definitely come back and talk more about what your goals are around those funds, what you wanna see happening, and look at how we can help you with that money as well. Okay? Yeah. We do. We have a couple of different accountants that we use. So I've got another one that we've recently started referring to as well. He's fantastic as well. So, yeah, we do sort of work with QC as well. It's more kind of have you have you worked with QC before? Have we referred you to them before? Yeah. Yeah. Yeah. Yeah. Absolutely. We can certainly, you know, help you out with that. It's not a problem at all. Fantastic. Excellent. All good. Well, I will give you a little bit of an update as well because we had not long kinda gone through and changed the investments on your sleep with that just to make sure things were working a bit harder and for you. And in the last three months, you have seen net of fees of 2.19% return. So earnings wise, as a dollar figure, the income and the growth is a bit over $7,500 made in the last three months. So your super is working really well even amongst all the volatility we are seeing there. Those changes are doing what they're supposed to, which is good to see. Okay. Good stuff. Good stuff. It's never a bad thing. And if there's anything that concerns you or questions you have, let me know. I'm more than happy to, you know, make time at any time that suits you. In the meantime, I'll just go back and do some research here for you. I'll send you an email once I know the outcome of the pre assessments and what we're looking for, what we can kind of expect, and then we can make sure we do catch ups down the track and keep looking at what to do with the additional funds, you know, how we invest and what we do with that. There are additional fees for getting advice outside of Super, but when we know a bit more about your goals, I can go into a bit more detail around what what that might look like for you. Just wanna sort of yeah. But I'll make sure I look after you. Anything I can do that I do yeah. Anything I can do for free or with general advice, I'll make sure I sorta help you out with as well. But, yeah, once we kinda know what your goals are, what we're looking at, and what scope the advice would be around, I can give you an outlook of what the fee structure would look like, and then you're welcome to decide whether you take it or not. Okay? Easy. Is there any other questions or anything else you might have for me at the moment? You're welcome to let me know if there's anything research wise you need from me. Or Yep. Yep. Absolutely. Yep. Beautiful. I like it. One step at a time, one day at a time, but you're doing really well. Fantastic. Good to hear you've got a got some things on the horizon. Absolutely. Things take time. It's not a problem at all, but, no. Look. Honestly, it's really exciting opportunities ahead there for you, Nick. I'm very happy to watch you go through this and to be a part of it with you. Easy. Thank you so much for your time. I hope you have a lovely day, and I'll get stuck into this research side of things for you. My pleasure, Nick. You enjoy your day. Thank you for taking my call this morning. Thanks. See you later. 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Nick. It's Dana from Okie Financial. How are you this morning? I'm very well. Thank you.\n\nThanks for asking. I had you booked in this morning for a bit of quick catch up. Is now still a good time there for you? Oh, fantastic. Nick, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Fantastic. And just a little quick security check there for you, sir. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nBeautiful. Thank you so much for that. From our last catch up, we were gonna check-in just to sort of see how things are going in the job space, see what was changing in your life, and just sort of double check to see how things have been tracking since our last advice piece had been provided there for you. So firstly, how is it all going? How's everything going with the job hunt?\n\nOkay. Fantastic. So a subcontractor there, and this is obviously delivering packages and things like that. What is probably the heaviest package that you think you might be delivering? Okay.\n\nYep. Yep. Beautiful. And you'll be doing sort of normal full time hours, or do you know what sort of hours you'll expect to sort of be doing when this all sort of kicks off? Mhmm.\n\nYep. Okay. Pick up and deliver. And do you sorta get paid for the hour, or is it more just about how many packages to deliver for for sorta income wise? How did that work?\n\nYep. Mhmm. Yeah. Yeah. Nice.\n\nThat's awesome. Well, that is really good. I'm so happy you sort of found something to keep you busy and keep your mind occupied occupied for. So sorry. It's still early in the morning.\n\nI do apologize. All good. And so you're picking the van up this week, hopefully, you said. Is that right? Yep.\n\nBeautiful. And so if you get the van sort of this week, you should be able to sort of start doing that as of next week. Is that right? Or do you have a a date you're planning to start, you know, logging in? Yeah.\n\nBecause you're technically self employed now. Yeah. Absolutely. No. Definitely.\n\nPerfect. Well, what I would sort of say when it comes to where the strategy is at at the moment, we will have to retain your q super just a little bit longer. Normally, when you're starting a new job, they kinda want you to be outside of a probationary period because this is more of a self employed thing, and it's very different to what you have done previously. What I might do is I might just go back and do a little bit of pre assessing with some of the insurers to see how long they would like to sort of see you in that role for and doing the work before they look at maybe offering any sort of insurance cover just so we get a guide on what we're up to. And then if you're comfortable with that, I could send you an email just letting you know this is the sort of outcome of the preassessments.\n\nThis is what we're looking for. This is the sort of time frame we have, and then we can come back and reassess your insurance strategy within that in that time frame. Does that sound okay with you? Yeah. Beautiful.\n\nI'll get my team onto doing those pre assessing pre assessing everything we have with the information I've got today just to sort of give us a bit of guide on where we're tracking for. Then I can give you an email, then you've got a bit of a guide on what we're sort of looking for moving forward, and we'll see if we can sort of put some things in place to get those insurances sorted, get things consolidated for you down the track, and it'll be good. You'll have something to occupy you a little bit more as well. That'll be good. Fantastic.\n\nYeah. Well, I hope it all goes well. That's fantastic. Is there anything else that you sort of wanted to bring up with me today or wanted me to kinda work on for you or any other questions you might have at the moment? Or yep.\n\nYep. Mhmm. Yep. Mhmm. Yeah.\n\nYeah. Definitely. So we can provide additional advice in those sorts of areas. We are limited around the business side of things because we don't have any way of looking at sort of a business and the outgoings. If you are looking at buying a cafe, what I would probably look at doing is speaking to your accountant.\n\nThat would be the best ones to be able to go through the cafe's financials and determine, you know, the tax consequences for you, whether the cafe is profitable or not, where the outlays sort of are. That would be more of an accountant's thing to do. Have them kinda go through the books and look at the cafe that you're, you know, looking to buy, look at those books in detail for you to give you more of a tax outcome on how that looks for you. If you are looking to sort of, you know, invest the funds in maybe other property or invest outside of super or within super and build your other investment options, then we can definitely provide advice around that area. It's just around that business aspect.\n\nIt's a little bit harder for us because we don't have any way of really valuing the cafe, valuing the business. We don't really do business advice as such. It's a very much a niche area. And, realistically, that would be more something your accountant can help you with anyway. So they would be get you as part of purchasing the cafe, you would need to get a copy of the financials to the business to be able to work out whether it's profitable or not, taking that back to your account and just having them have a look at that for you to determine, you know, how long the the cafe's been working for.\n\nIs it profitable? You know, where are the expenses? What's the staffing look like, what does the, you know, tax side of things look like for yourself, what you can or can't claim with regard to that, whether you're setting up a company versus being a sole trader, and what kind of income you might be able to draw on on what the overall tax situation looks like on that. So that would be more of an accountant sort of area rather than a financial adviser side of things. But if yeah.\n\nAgain, it depends on what your goals are. If you're looking to invest some of that money and maybe an investment portfolio outside of super or wanting to buy property again with it or, you know, depending on what your goals are, whether you're wanting to maybe put some of it in the super to provide the a bit of an additional boost there, we can definitely help with that. It just comes down to what your goals are and what you're sort of wanting to achieve with those funds. I'd probably wanna have another conversation with you when settlement is all sorted. Do you have a settlement that you know how much you're gonna end up with just so we can kind of really know that how much you've got available to you to use and what aspect and whether it it's going down that business route or whether you're wanting to maybe put it away and invest it for the time being to kinda grow it whilst you're not sure what you do.\n\nWe can sort of talk more in-depth about that. But understanding how much money you have and what your goals are with that is really important to making sure that the the recommendations are appropriate to you. So it's definitely another conversation I wanna have, but I'm very excited for you. Are you feeling good about the decision that you've made with the house? Is everything sort of do you feel a little bit less stressed about it all now, or how do you feel?\n\nYep. Yeah. Yeah. Yeah. Absolutely.\n\nDiversify your investments and kinda build for the future. Absolutely. I like it. Yeah. Yeah.\n\nYeah. Fantastic. No. That's a really great goal to have. I'll definitely make a note of that here and and something to work towards.\n\nDo you know sort of how much that might cost you? You did say it'd be quite expensive with what you wanna do. Have you looked at the the sort of costing around how much you might have to spend on on your goal for that? Wow. That's insane how kind of money that is.\n\nThat's beautiful, though. I can imagine what you're trying to build. Absolutely. Absolutely. Wow.\n\nI mean, that kind of a rank would be huge and amazing, honestly. I can only imagine that the sort of running cost to that sort of thing would be pretty high too, wouldn't it? Yeah. Yeah. No.\n\nThat's fantastic. I love that goal. That is beautiful. Something to kind of work on. So I'll make a note of that here that for us to kinda keep tracking as we still look at what to do with the funds and keep building on that.\n\nBut, yeah, for the time being, I think I'll go back and I'll do a bit of a pre assessment with the insurers to see, you know, how what they're gonna wanna see with regards to that new role, especially if you are now self employed, and this is very different to what you have done in the past. We'll get an idea of how long you'll need to have done that role for to be able to look at, you know, the insurance aspect there. And then, yeah, when you know a bit more about when the property is to go through and be sold and when you should have those funds available to you, then we'll definitely come back and talk more about what your goals are around those funds, what you wanna see happening, and look at how we can help you with that money as well. Okay? Yeah.\n\nWe do. We have a couple of different accountants that we use. So I've got another one that we've recently started referring to as well. He's fantastic as well. So, yeah, we do sort of work with QC as well.\n\nIt's more kind of have you have you worked with QC before? Have we referred you to them before? Yeah. Yeah. Yeah.\n\nYeah. Absolutely. We can certainly, you know, help you out with that. It's not a problem at all. Fantastic.\n\nExcellent. All good. Well, I will give you a little bit of an update as well because we had not long kinda gone through and changed the investments on your sleep with that just to make sure things were working a bit harder and for you. And in the last three months, you have seen net of fees of 2.19% return. So earnings wise, as a dollar figure, the income and the growth is a bit over $7,500 made in the last three months.\n\nSo your super is working really well even amongst all the volatility we are seeing there. Those changes are doing what they're supposed to, which is good to see. Okay. Good stuff. Good stuff.\n\nIt's never a bad thing. And if there's anything that concerns you or questions you have, let me know. I'm more than happy to, you know, make time at any time that suits you. In the meantime, I'll just go back and do some research here for you. I'll send you an email once I know the outcome of the pre assessments and what we're looking for, what we can kind of expect, and then we can make sure we do catch ups down the track and keep looking at what to do with the additional funds, you know, how we invest and what we do with that.\n\nThere are additional fees for getting advice outside of Super, but when we know a bit more about your goals, I can go into a bit more detail around what what that might look like for you. Just wanna sort of yeah. But I'll make sure I look after you. Anything I can do that I do yeah. Anything I can do for free or with general advice, I'll make sure I sorta help you out with as well.\n\nBut, yeah, once we kinda know what your goals are, what we're looking at, and what scope the advice would be around, I can give you an outlook of what the fee structure would look like, and then you're welcome to decide whether you take it or not. Okay? Easy. Is there any other questions or anything else you might have for me at the moment? You're welcome to let me know if there's anything research wise you need from me.\n\nOr Yep. Yep. Absolutely. Yep. Beautiful.\n\nI like it. One step at a time, one day at a time, but you're doing really well. Fantastic. Good to hear you've got a got some things on the horizon. Absolutely.\n\nThings take time. It's not a problem at all, but, no. Look. Honestly, it's really exciting opportunities ahead there for you, Nick. I'm very happy to watch you go through this and to be a part of it with you.\n\nEasy. Thank you so much for your time. I hope you have a lovely day, and I'll get stuck into this research side of things for you. My pleasure, Nick. You enjoy your day.\n\nThank you for taking my call this morning. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Nick.","start":2.8,"end":3.36,"sentiment":"neutral","sentiment_score":0.06740260869264603},{"text":"It's Dana from Okie Financial.","start":3.36,"end":5.06,"sentiment":"neutral","sentiment_score":0.08390874117612838},{"text":"How are you this morning?","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.15822104513645172},{"text":"I'm very well.","start":8.48,"end":9.36,"sentiment":"positive","sentiment_score":0.625433107217153},{"text":"Thank you.","start":9.36,"end":9.84,"sentiment":"positive","sentiment_score":0.6847234070301056}],"sentiment":"neutral","sentiment_score":0.2700706049799919,"num_words":17,"start":2.8,"end":9.84},{"sentences":[{"text":"Thanks for asking.","start":9.84,"end":10.639999,"sentiment":"positive","sentiment_score":0.6141544580459595},{"text":"I had you booked in this morning for a bit of quick catch up.","start":10.639999,"end":13.4539995,"sentiment":"neutral","sentiment_score":0.250953309237957},{"text":"Is now still a good time there for you?","start":13.4539995,"end":16.331,"sentiment":"neutral","sentiment_score":0.1955124611655871},{"text":"Oh, fantastic.","start":16.331,"end":16.970333,"sentiment":"positive","sentiment_score":0.5348824560642242},{"text":"Nick, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":16.970333,"end":24.002998,"sentiment":"neutral","sentiment_score":0.18397587978027083}],"sentiment":"neutral","sentiment_score":0.24465312242507933,"num_words":50,"start":9.84,"end":24.002998},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":24.002998,"end":26.88,"sentiment":"neutral","sentiment_score":0.17464205622673035},{"text":"Fantastic.","start":27.199999,"end":27.699999,"sentiment":"positive","sentiment_score":0.5002263188362122},{"text":"And just a little quick security check there for you, sir.","start":27.759998,"end":30.16,"sentiment":"neutral","sentiment_score":0.18966365402395075},{"text":"I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":30.16,"end":34.34,"sentiment":"neutral","sentiment_score":0.13877642340958118},{"text":"Yep.","start":38.399998,"end":38.899998,"sentiment":"neutral","sentiment_score":0.03058289550244808}],"sentiment":"neutral","sentiment_score":0.16581943768653132,"num_words":42,"start":24.002998,"end":38.899998},{"sentences":[{"text":"Beautiful.","start":41.085003,"end":41.485,"sentiment":"positive","sentiment_score":0.4149268567562103},{"text":"Thank you so much for that.","start":41.485,"end":43.265,"sentiment":"positive","sentiment_score":0.5256409297386805},{"text":"From our last catch up, we were gonna check-in just to sort of see how things are going in the job space, see what was changing in your life, and just sort of double check to see how things have been tracking since our last advice piece had been provided there for you.","start":44.045002,"end":57.18,"sentiment":"neutral","sentiment_score":0.17271434656291637},{"text":"So firstly, how is it all going?","start":57.72,"end":59.4,"sentiment":"neutral","sentiment_score":0.08792801627090999},{"text":"How's everything going with the job hunt?","start":59.4,"end":61.34,"sentiment":"neutral","sentiment_score":0.0714284958583968}],"sentiment":"neutral","sentiment_score":0.18700173497200012,"num_words":74,"start":41.085003,"end":61.34},{"sentences":[{"text":"Okay.","start":72.585,"end":73.085,"sentiment":"neutral","sentiment_score":0.04536348581314087},{"text":"Fantastic.","start":89.44,"end":89.94,"sentiment":"neutral","sentiment_score":0.26967960596084595},{"text":"So a subcontractor there, and this is obviously delivering packages and things like that.","start":90.96,"end":96.8,"sentiment":"neutral","sentiment_score":0.06683117151260376},{"text":"What is probably the heaviest package that you think you might be delivering?","start":96.8,"end":100.955,"sentiment":"neutral","sentiment_score":-0.023586673232225273},{"text":"Okay.","start":107.575,"end":108.075,"sentiment":"neutral","sentiment_score":-0.05659483000636101}],"sentiment":"neutral","sentiment_score":0.029581930364171664,"num_words":30,"start":72.585,"end":108.075},{"sentences":[{"text":"Yep.","start":110.295,"end":110.67,"sentiment":"neutral","sentiment_score":0.02576889656484127},{"text":"Yep.","start":110.75,"end":111.07,"sentiment":"neutral","sentiment_score":0.06732268631458282},{"text":"Beautiful.","start":111.07,"end":111.57,"sentiment":"neutral","sentiment_score":0.1884503662586212},{"text":"And you'll be doing sort of normal full time hours, or do you know what sort of hours you'll expect to sort of be doing when this all sort of kicks off?","start":111.71,"end":119.49,"sentiment":"neutral","sentiment_score":0.059235249646008015},{"text":"Mhmm.","start":126.235,"end":126.735,"sentiment":"neutral","sentiment_score":0.04077915847301483}],"sentiment":"neutral","sentiment_score":0.06160691934120324,"num_words":36,"start":110.295,"end":126.735},{"sentences":[{"text":"Yep.","start":133.915,"end":134.415,"sentiment":"neutral","sentiment_score":0.01931987702846527},{"text":"Okay.","start":140.47499,"end":140.97499,"sentiment":"neutral","sentiment_score":0.07375431060791016},{"text":"Pick up and deliver.","start":142.15001,"end":142.95,"sentiment":"neutral","sentiment_score":0.04961595498025417},{"text":"And do you sorta get paid for the hour, or is it more just about how many packages to deliver for for sorta income wise?","start":142.95,"end":149.35,"sentiment":"neutral","sentiment_score":0.021366661824285985},{"text":"How did that work?","start":149.35,"end":150.41,"sentiment":"neutral","sentiment_score":0.030732589308172464}],"sentiment":"neutral","sentiment_score":0.027103854582778045,"num_words":35,"start":133.915,"end":150.41},{"sentences":[{"text":"Yep.","start":154.15001,"end":154.545,"sentiment":"neutral","sentiment_score":0.06458580493927002},{"text":"Mhmm.","start":165.905,"end":166.405,"sentiment":"neutral","sentiment_score":0.02390718087553978},{"text":"Yeah.","start":179.04,"end":179.475,"sentiment":"neutral","sentiment_score":0.07458469271659851},{"text":"Yeah.","start":186.99501,"end":187.49501,"sentiment":"neutral","sentiment_score":0.329797625541687},{"text":"Nice.","start":187.55501,"end":188.05501,"sentiment":"positive","sentiment_score":0.6841280460357666}],"sentiment":"neutral","sentiment_score":0.2354006700217724,"num_words":5,"start":154.15001,"end":188.05501},{"sentences":[{"text":"That's awesome.","start":188.27501,"end":189.175,"sentiment":"positive","sentiment_score":0.7868054807186127},{"text":"Well, that is really good.","start":189.235,"end":190.35501,"sentiment":"positive","sentiment_score":0.7578928947448731},{"text":"I'm so happy you sort of found something to keep you busy and keep your mind occupied occupied for.","start":190.35501,"end":197.37001,"sentiment":"positive","sentiment_score":0.793291637772008},{"text":"So sorry.","start":197.37001,"end":197.93001,"sentiment":"neutral","sentiment_score":0.0440777437761426},{"text":"It's still early in the morning.","start":197.93001,"end":198.73001,"sentiment":"neutral","sentiment_score":-0.030149847889939945}],"sentiment":"positive","sentiment_score":0.5983197927365408,"num_words":34,"start":188.27501,"end":198.73001},{"sentences":[{"text":"I do apologize.","start":198.73001,"end":199.63,"sentiment":"neutral","sentiment_score":-0.02628059561053912},{"text":"All good.","start":202.01001,"end":202.75,"sentiment":"neutral","sentiment_score":0.3215324133634567},{"text":"And so you're picking the van up this week, hopefully, you said.","start":202.89001,"end":205.785,"sentiment":"neutral","sentiment_score":0.06023343404134115},{"text":"Is that right?","start":205.785,"end":206.60501,"sentiment":"neutral","sentiment_score":0.04602729404966036},{"text":"Yep.","start":214.02501,"end":214.52501,"sentiment":"neutral","sentiment_score":0.3202262818813324}],"sentiment":"neutral","sentiment_score":0.08311106725817635,"num_words":21,"start":198.73001,"end":214.52501},{"sentences":[{"text":"Beautiful.","start":214.74501,"end":215.24501,"sentiment":"positive","sentiment_score":0.5365303754806519},{"text":"And so if you get the van sort of this week, you should be able to sort of start doing that as of next week.","start":215.46501,"end":220.98001,"sentiment":"neutral","sentiment_score":0.1601177993416786},{"text":"Is that right?","start":220.98001,"end":221.54001,"sentiment":"neutral","sentiment_score":0.06369885553916295},{"text":"Or do you have a a date you're planning to start, you know, logging in?","start":221.54001,"end":225.24,"sentiment":"neutral","sentiment_score":0.02837431294222673},{"text":"Yeah.","start":235.955,"end":236.355,"sentiment":"neutral","sentiment_score":0.029897134751081467}],"sentiment":"neutral","sentiment_score":0.11524630565610197,"num_words":45,"start":214.74501,"end":236.355},{"sentences":[{"text":"Because you're technically self employed now.","start":236.355,"end":238.435,"sentiment":"neutral","sentiment_score":-0.0040450623879830045},{"text":"Yeah.","start":238.435,"end":238.755,"sentiment":"neutral","sentiment_score":0.04354780167341232},{"text":"Absolutely.","start":238.755,"end":239.255,"sentiment":"neutral","sentiment_score":0.0754866972565651},{"text":"No.","start":240.355,"end":240.675,"sentiment":"neutral","sentiment_score":-0.02598164789378643},{"text":"Definitely.","start":240.675,"end":241.175,"sentiment":"neutral","sentiment_score":0.04348108172416687}],"sentiment":"neutral","sentiment_score":0.011226355843245984,"num_words":10,"start":236.355,"end":241.175},{"sentences":[{"text":"Perfect.","start":241.55501,"end":242.05501,"sentiment":"neutral","sentiment_score":0.14438459277153015},{"text":"Well, what I would sort of say when it comes to where the strategy is at at the moment, we will have to retain your q super just a little bit longer.","start":242.115,"end":249.40999,"sentiment":"neutral","sentiment_score":-0.036894780467264354},{"text":"Normally, when you're starting a new job, they kinda want you to be outside of a probationary period because this is more of a self employed thing, and it's very different to what you have done previously.","start":249.62999,"end":258.685,"sentiment":"neutral","sentiment_score":-0.08248766068671201},{"text":"What I might do is I might just go back and do a little bit of pre assessing with some of the insurers to see how long they would like to sort of see you in that role for and doing the work before they look at maybe offering any sort of insurance cover just so we get a guide on what we're up to.","start":259.545,"end":275.64,"sentiment":"neutral","sentiment_score":0.06033783013430925},{"text":"And then if you're comfortable with that, I could send you an email just letting you know this is the sort of outcome of the preassessments.","start":275.94,"end":281.48,"sentiment":"neutral","sentiment_score":0.08494558056386617}],"sentiment":"neutral","sentiment_score":0.012684796433548749,"num_words":161,"start":241.55501,"end":281.48},{"sentences":[{"text":"This is what we're looking for.","start":281.7,"end":282.98,"sentiment":"neutral","sentiment_score":0.0978398285806179},{"text":"This is the sort of time frame we have, and then we can come back and reassess your insurance strategy within that in that time frame.","start":282.98,"end":289.665,"sentiment":"neutral","sentiment_score":0.11940216831862926},{"text":"Does that sound okay with you?","start":289.665,"end":291.36502,"sentiment":"neutral","sentiment_score":0.12622147426009178},{"text":"Yeah.","start":293.665,"end":294.165,"sentiment":"positive","sentiment_score":0.44992735981941223},{"text":"Beautiful.","start":294.545,"end":295.045,"sentiment":"positive","sentiment_score":0.6878253817558289}],"sentiment":"neutral","sentiment_score":0.1396644233725965,"num_words":40,"start":281.7,"end":295.045},{"sentences":[{"text":"I'll get my team onto doing those pre assessing pre assessing everything we have with the information I've got today just to sort of give us a bit of guide on where we're tracking for.","start":296.065,"end":304.79,"sentiment":"positive","sentiment_score":0.34435812149729045},{"text":"Then I can give you an email, then you've got a bit of a guide on what we're sort of looking for moving forward, and we'll see if we can sort of put some things in place to get those insurances sorted, get things consolidated for you down the track, and it'll be good.","start":304.79,"end":319.585,"sentiment":"neutral","sentiment_score":0.29379330575466156},{"text":"You'll have something to occupy you a little bit more as well.","start":319.585,"end":322.625,"sentiment":"neutral","sentiment_score":0.31431718667348224},{"text":"That'll be good.","start":322.625,"end":323.685,"sentiment":"positive","sentiment_score":0.3904812236626943},{"text":"Fantastic.","start":326.13,"end":326.63,"sentiment":"positive","sentiment_score":0.7333826422691345}],"sentiment":"neutral","sentiment_score":0.31994290777615136,"num_words":105,"start":296.065,"end":326.63},{"sentences":[{"text":"Yeah.","start":328.13,"end":328.63,"sentiment":"positive","sentiment_score":0.3684268593788147},{"text":"Well, I hope it all goes well.","start":328.69,"end":330.61,"sentiment":"positive","sentiment_score":0.48459286774907795},{"text":"That's fantastic.","start":330.61,"end":331.43,"sentiment":"positive","sentiment_score":0.7425855994224548},{"text":"Is there anything else that you sort of wanted to bring up with me today or wanted me to kinda work on for you or any other questions you might have at the moment?","start":332.84998,"end":340.57498,"sentiment":"neutral","sentiment_score":0.15583880399079883},{"text":"Or yep.","start":341.38998,"end":343.455,"sentiment":"neutral","sentiment_score":0.043264707550406456}],"sentiment":"neutral","sentiment_score":0.23110428007076617,"num_words":46,"start":328.13,"end":343.455},{"sentences":[{"text":"Yep.","start":352.635,"end":353.135,"sentiment":"neutral","sentiment_score":0.04493552446365357},{"text":"Mhmm.","start":360.29,"end":360.79,"sentiment":"neutral","sentiment_score":0.02420461922883987},{"text":"Yep.","start":368.37,"end":368.87,"sentiment":"neutral","sentiment_score":0.0953238159418106},{"text":"Mhmm.","start":394.46,"end":394.875,"sentiment":"neutral","sentiment_score":0.06418149918317795},{"text":"Yeah.","start":399.995,"end":400.315,"sentiment":"neutral","sentiment_score":0.19534564018249512}],"sentiment":"neutral","sentiment_score":0.08479821979999543,"num_words":5,"start":352.635,"end":400.315},{"sentences":[{"text":"Yeah.","start":400.315,"end":400.635,"sentiment":"positive","sentiment_score":0.34889358282089233},{"text":"Definitely.","start":400.635,"end":401.135,"sentiment":"positive","sentiment_score":0.4876777827739715},{"text":"So we can provide additional advice in those sorts of areas.","start":401.275,"end":404.315,"sentiment":"neutral","sentiment_score":0.3329069370573217},{"text":"We are limited around the business side of things because we don't have any way of looking at sort of a business and the outgoings.","start":404.315,"end":412.67,"sentiment":"neutral","sentiment_score":-0.12085186034440994},{"text":"If you are looking at buying a cafe, what I would probably look at doing is speaking to your accountant.","start":413.05002,"end":419.15002,"sentiment":"neutral","sentiment_score":0.08730108570307493}],"sentiment":"neutral","sentiment_score":0.05557367032201126,"num_words":58,"start":400.315,"end":419.15002},{"sentences":[{"text":"That would be the best ones to be able to go through the cafe's financials and determine, you know, the tax consequences for you, whether the cafe is profitable or not, where the outlays sort of are.","start":419.21002,"end":429.675,"sentiment":"neutral","sentiment_score":0.1413003324052772},{"text":"That would be more of an accountant's thing to do.","start":429.675,"end":431.755,"sentiment":"neutral","sentiment_score":0.1926449328660965},{"text":"Have them kinda go through the books and look at the cafe that you're, you know, looking to buy, look at those books in detail for you to give you more of a tax outcome on how that looks for you.","start":431.755,"end":441.44,"sentiment":"neutral","sentiment_score":0.19888164266580488},{"text":"If you are looking to sort of, you know, invest the funds in maybe other property or invest outside of super or within super and build your other investment options, then we can definitely provide advice around that area.","start":441.97998,"end":453.91998,"sentiment":"neutral","sentiment_score":0.30401098881012356},{"text":"It's just around that business aspect.","start":454.145,"end":456.065,"sentiment":"neutral","sentiment_score":0.07085275898377101}],"sentiment":"neutral","sentiment_score":0.2074455195071554,"num_words":133,"start":419.21002,"end":456.065},{"sentences":[{"text":"It's a little bit harder for us because we don't have any way of really valuing the cafe, valuing the business.","start":456.065,"end":464.305,"sentiment":"neutral","sentiment_score":-0.24831032646553858},{"text":"We don't really do business advice as such.","start":464.305,"end":466.545,"sentiment":"neutral","sentiment_score":-0.28854793310165405},{"text":"It's a very much a niche area.","start":466.545,"end":468.325,"sentiment":"neutral","sentiment_score":-0.1907783310328211},{"text":"And, realistically, that would be more something your accountant can help you with anyway.","start":468.65,"end":473.45,"sentiment":"neutral","sentiment_score":0.18398392732654298},{"text":"So they would be get you as part of purchasing the cafe, you would need to get a copy of the financials to the business to be able to work out whether it's profitable or not, taking that back to your account and just having them have a look at that for you to determine, you know, how long the the cafe's been working for.","start":473.45,"end":489.785,"sentiment":"neutral","sentiment_score":0.22067371818881767}],"sentiment":"neutral","sentiment_score":0.07009754806109096,"num_words":115,"start":456.065,"end":489.785},{"sentences":[{"text":"Is it profitable?","start":489.785,"end":490.685,"sentiment":"neutral","sentiment_score":0.027454147736231487},{"text":"You know, where are the expenses?","start":491.54498,"end":493.16498,"sentiment":"neutral","sentiment_score":-0.08613323792815208},{"text":"What's the staffing look like, what does the, you know, tax side of things look like for yourself, what you can or can't claim with regard to that, whether you're setting up a company versus being a sole trader, and what kind of income you might be able to draw on on what the overall tax situation looks like on that.","start":493.38498,"end":510.115,"sentiment":"neutral","sentiment_score":0.01820572422908955},{"text":"So that would be more of an accountant sort of area rather than a financial adviser side of things.","start":510.115,"end":515.09503,"sentiment":"neutral","sentiment_score":0.014247956244569076},{"text":"But if yeah.","start":515.795,"end":516.675,"sentiment":"neutral","sentiment_score":0.0697938787440459}],"sentiment":"neutral","sentiment_score":0.012567445635795593,"num_words":92,"start":489.785,"end":516.675},{"sentences":[{"text":"Again, it depends on what your goals are.","start":516.675,"end":518.275,"sentiment":"neutral","sentiment_score":0.09492910746484995},{"text":"If you're looking to invest some of that money and maybe an investment portfolio outside of super or wanting to buy property again with it or, you know, depending on what your goals are, whether you're wanting to maybe put some of it in the super to provide the a bit of an additional boost there, we can definitely help with that.","start":518.275,"end":533.44,"sentiment":"neutral","sentiment_score":0.21419595422283297},{"text":"It just comes down to what your goals are and what you're sort of wanting to achieve with those funds.","start":533.44,"end":538.755,"sentiment":"neutral","sentiment_score":0.21668163426220416},{"text":"I'd probably wanna have another conversation with you when settlement is all sorted.","start":540.175,"end":545.535,"sentiment":"neutral","sentiment_score":0.09695086513574307},{"text":"Do you have a settlement that you know how much you're gonna end up with just so we can kind of really know that how much you've got available to you to use and what aspect and whether it it's going down that business route or whether you're wanting to maybe put it away and invest it for the time being to kinda grow it whilst you're not sure what you do.","start":545.535,"end":564.435,"sentiment":"neutral","sentiment_score":0.08536331417659919}],"sentiment":"neutral","sentiment_score":0.14731276899576187,"num_words":175,"start":516.675,"end":564.435},{"sentences":[{"text":"We can sort of talk more in-depth about that.","start":564.915,"end":566.995,"sentiment":"neutral","sentiment_score":0.07688692667418057},{"text":"But understanding how much money you have and what your goals are with that is really important to making sure that the the recommendations are appropriate to you.","start":566.995,"end":575.235,"sentiment":"neutral","sentiment_score":0.15686243799115931},{"text":"So it's definitely another conversation I wanna have, but I'm very excited for you.","start":575.235,"end":579.315,"sentiment":"positive","sentiment_score":0.5108834845679147},{"text":"Are you feeling good about the decision that you've made with the house?","start":579.315,"end":582.52997,"sentiment":"positive","sentiment_score":0.4430295526981354},{"text":"Is everything sort of do you feel a little bit less stressed about it all now, or how do you feel?","start":582.52997,"end":586.95,"sentiment":"neutral","sentiment_score":0.09119596438748497}],"sentiment":"neutral","sentiment_score":0.23424704499980983,"num_words":85,"start":564.915,"end":586.95},{"sentences":[{"text":"Yep.","start":591.25,"end":591.75,"sentiment":"neutral","sentiment_score":0.29474765062332153},{"text":"Yeah.","start":603.435,"end":603.935,"sentiment":"neutral","sentiment_score":0.31992772221565247},{"text":"Yeah.","start":615.53,"end":616.03,"sentiment":"neutral","sentiment_score":0.09782905131578444},{"text":"Yeah.","start":622.285,"end":622.605,"sentiment":"neutral","sentiment_score":0.24852700531482697},{"text":"Absolutely.","start":622.605,"end":623.105,"sentiment":"positive","sentiment_score":0.5292345285415649}],"sentiment":"neutral","sentiment_score":0.2980531916022301,"num_words":5,"start":591.25,"end":623.105},{"sentences":[{"text":"Diversify your investments and kinda build for the future.","start":623.565,"end":626.545,"sentiment":"positive","sentiment_score":0.4959630005889469},{"text":"Absolutely.","start":626.845,"end":627.345,"sentiment":"positive","sentiment_score":0.4217107594013214},{"text":"I like it.","start":628.205,"end":629.185,"sentiment":"positive","sentiment_score":0.41610969106356305},{"text":"Yeah.","start":642.3,"end":642.8,"sentiment":"neutral","sentiment_score":0.03935982659459114},{"text":"Yeah.","start":649.875,"end":650.375,"sentiment":"neutral","sentiment_score":-0.005737273022532463}],"sentiment":"positive","sentiment_score":0.41115529276430607,"num_words":15,"start":623.565,"end":650.375},{"sentences":[{"text":"Yeah.","start":659.795,"end":660.275,"sentiment":"neutral","sentiment_score":0.2109103202819824},{"text":"Fantastic.","start":660.275,"end":660.775,"sentiment":"positive","sentiment_score":0.4770235419273377},{"text":"No.","start":661.235,"end":661.47504,"sentiment":"neutral","sentiment_score":0.27415651082992554},{"text":"That's a really great goal to have.","start":661.47504,"end":662.91504,"sentiment":"positive","sentiment_score":0.5762061306408474},{"text":"I'll definitely make a note of that here and and something to work towards.","start":662.91504,"end":666.26,"sentiment":"positive","sentiment_score":0.4282864843096052}],"sentiment":"positive","sentiment_score":0.4579810028274854,"num_words":24,"start":659.795,"end":666.26},{"sentences":[{"text":"Do you know sort of how much that might cost you?","start":666.26,"end":668.33997,"sentiment":"neutral","sentiment_score":0.05864573270082474},{"text":"You did say it'd be quite expensive with what you wanna do.","start":668.33997,"end":670.74,"sentiment":"neutral","sentiment_score":-0.01348829137471815},{"text":"Have you looked at the the sort of costing around how much you might have to spend on on your goal for that?","start":670.74,"end":676.36,"sentiment":"neutral","sentiment_score":0.02116887724917868},{"text":"Wow.","start":689.91,"end":690.41,"sentiment":"neutral","sentiment_score":0.040849119424819946},{"text":"That's insane how kind of money that is.","start":690.55,"end":693.11,"sentiment":"neutral","sentiment_score":-0.026310036657378078}],"sentiment":"neutral","sentiment_score":0.014554483020170168,"num_words":55,"start":666.26,"end":693.11},{"sentences":[{"text":"That's beautiful, though.","start":693.11,"end":694.57,"sentiment":"positive","sentiment_score":0.48215269049008685},{"text":"I can imagine what you're trying to build.","start":695.02997,"end":697.13,"sentiment":"neutral","sentiment_score":0.21878504753112793},{"text":"Absolutely.","start":699.58997,"end":700.08997,"sentiment":"neutral","sentiment_score":0.15124259889125824},{"text":"Absolutely.","start":700.63,"end":701.13,"sentiment":"neutral","sentiment_score":0.11778423935174942},{"text":"Wow.","start":702.575,"end":703.075,"sentiment":"neutral","sentiment_score":0.1007952094078064}],"sentiment":"neutral","sentiment_score":0.25475432138357845,"num_words":14,"start":693.11,"end":703.075},{"sentences":[{"text":"I mean, that kind of a rank would be huge and amazing, honestly.","start":703.135,"end":707.235,"sentiment":"neutral","sentiment_score":0.09890037287886326},{"text":"I can only imagine that the sort of running cost to that sort of thing would be pretty high too, wouldn't it?","start":707.935,"end":713.475,"sentiment":"neutral","sentiment_score":-0.028764196586879818},{"text":"Yeah.","start":714.815,"end":715.315,"sentiment":"neutral","sentiment_score":0.028715625405311584},{"text":"Yeah.","start":716.77,"end":717.27,"sentiment":"neutral","sentiment_score":0.09179828315973282},{"text":"No.","start":717.33,"end":717.57,"sentiment":"neutral","sentiment_score":0.17046362161636353}],"sentiment":"neutral","sentiment_score":0.024838685597244062,"num_words":38,"start":703.135,"end":717.57},{"sentences":[{"text":"That's fantastic.","start":717.57,"end":718.47003,"sentiment":"positive","sentiment_score":0.5041556805372238},{"text":"I love that goal.","start":718.53,"end":719.33,"sentiment":"positive","sentiment_score":0.6727597266435623},{"text":"That is beautiful.","start":719.33,"end":720.05005,"sentiment":"positive","sentiment_score":0.6743731300036112},{"text":"Something to kind of work on.","start":720.05005,"end":721.33,"sentiment":"neutral","sentiment_score":0.3116634587446849},{"text":"So I'll make a note of that here that for us to kinda keep tracking as we still look at what to do with the funds and keep building on that.","start":721.33,"end":728.31,"sentiment":"neutral","sentiment_score":0.22607980620476506}],"sentiment":"neutral","sentiment_score":0.31741140005381213,"num_words":46,"start":717.57,"end":728.31},{"sentences":[{"text":"But, yeah, for the time being, I think I'll go back and I'll do a bit of a pre assessment with the insurers to see, you know, how what they're gonna wanna see with regards to that new role, especially if you are now self employed, and this is very different to what you have done in the past.","start":728.755,"end":742.135,"sentiment":"neutral","sentiment_score":0.00462167902644408},{"text":"We'll get an idea of how long you'll need to have done that role for to be able to look at, you know, the insurance aspect there.","start":742.69,"end":748.94995,"sentiment":"neutral","sentiment_score":0.06000259332358837},{"text":"And then, yeah, when you know a bit more about when the property is to go through and be sold and when you should have those funds available to you, then we'll definitely come back and talk more about what your goals are around those funds, what you wanna see happening, and look at how we can help you with that money as well.","start":749.41,"end":765.685,"sentiment":"neutral","sentiment_score":0.14489662070991471},{"text":"Okay?","start":765.685,"end":766.185,"sentiment":"neutral","sentiment_score":0.04154343158006668},{"text":"Yeah.","start":769.845,"end":770.345,"sentiment":"neutral","sentiment_score":0.030268127098679543}],"sentiment":"neutral","sentiment_score":0.07393384451585773,"num_words":152,"start":728.755,"end":770.345},{"sentences":[{"text":"We do.","start":775.82,"end":776.46,"sentiment":"neutral","sentiment_score":0.11173004657030106},{"text":"We have a couple of different accountants that we use.","start":776.46,"end":779.10004,"sentiment":"neutral","sentiment_score":0.11464154571294785},{"text":"So I've got another one that we've recently started referring to as well.","start":779.10004,"end":783.58,"sentiment":"neutral","sentiment_score":0.16977209082016578},{"text":"He's fantastic as well.","start":783.58,"end":785.02,"sentiment":"positive","sentiment_score":0.5740209519863129},{"text":"So, yeah, we do sort of work with QC as well.","start":785.02,"end":789.33496,"sentiment":"neutral","sentiment_score":0.11604797298258002}],"sentiment":"neutral","sentiment_score":0.17873810604214668,"num_words":40,"start":775.82,"end":789.33496},{"sentences":[{"text":"It's more kind of have you have you worked with QC before?","start":789.33496,"end":792.375,"sentiment":"neutral","sentiment_score":0.06337046095480521},{"text":"Have we referred you to them before?","start":792.375,"end":793.995,"sentiment":"neutral","sentiment_score":0.04246841796806881},{"text":"Yeah.","start":799.65497,"end":800.15497,"sentiment":"neutral","sentiment_score":0.025241371244192123},{"text":"Yeah.","start":807.4,"end":807.9,"sentiment":"neutral","sentiment_score":0.03269704058766365},{"text":"Yeah.","start":820.645,"end":821.145,"sentiment":"neutral","sentiment_score":0.07523363083600998}],"sentiment":"neutral","sentiment_score":0.054131659086455,"num_words":22,"start":789.33496,"end":821.145},{"sentences":[{"text":"Yeah.","start":821.685,"end":822.16504,"sentiment":"neutral","sentiment_score":0.1173536628484726},{"text":"Absolutely.","start":822.16504,"end":822.66504,"sentiment":"neutral","sentiment_score":0.282184362411499},{"text":"We can certainly, you know, help you out with that.","start":823.205,"end":825.36505,"sentiment":"positive","sentiment_score":0.39099581241607667},{"text":"It's not a problem at all.","start":825.36505,"end":827.01,"sentiment":"neutral","sentiment_score":0.3087046096722285},{"text":"Fantastic.","start":827.65,"end":828.15,"sentiment":"positive","sentiment_score":0.6748335361480713}],"sentiment":"positive","sentiment_score":0.3598188075580095,"num_words":19,"start":821.685,"end":828.15},{"sentences":[{"text":"Excellent.","start":828.77,"end":829.27,"sentiment":"positive","sentiment_score":0.6200543642044067},{"text":"All good.","start":829.41003,"end":829.81,"sentiment":"positive","sentiment_score":0.5260816067457199},{"text":"Well, I will give you a little bit of an update as well because we had not long kinda gone through and changed the investments on your sleep with that just to make sure things were working a bit harder and for you.","start":829.81,"end":839.81,"sentiment":"neutral","sentiment_score":0.16269127366154693},{"text":"And in the last three months, you have seen net of fees of 2.19% return.","start":839.81,"end":845.45496,"sentiment":"neutral","sentiment_score":0.23848214050134023},{"text":"So earnings wise, as a dollar figure, the income and the growth is a bit over $7,500 made in the last three months.","start":845.595,"end":853.355,"sentiment":"neutral","sentiment_score":0.27807367819806805}],"sentiment":"neutral","sentiment_score":0.22191510775259563,"num_words":84,"start":828.77,"end":853.355},{"sentences":[{"text":"So your super is working really well even amongst all the volatility we are seeing there.","start":853.355,"end":858.63,"sentiment":"positive","sentiment_score":0.5169051364064217},{"text":"Those changes are doing what they're supposed to, which is good to see.","start":858.63,"end":862.01,"sentiment":"positive","sentiment_score":0.5493211150169373},{"text":"Okay.","start":862.23004,"end":862.73004,"sentiment":"neutral","sentiment_score":0.13149961829185486},{"text":"Good stuff.","start":866.07,"end":866.87,"sentiment":"positive","sentiment_score":0.7548880279064178},{"text":"Good stuff.","start":866.87,"end":867.43,"sentiment":"positive","sentiment_score":0.7404754459857941}],"sentiment":"positive","sentiment_score":0.545114213052918,"num_words":34,"start":853.355,"end":867.43},{"sentences":[{"text":"It's never a bad thing.","start":867.43,"end":868.55005,"sentiment":"positive","sentiment_score":0.695815908908844},{"text":"And if there's anything that concerns you or questions you have, let me know.","start":868.55005,"end":871.885,"sentiment":"neutral","sentiment_score":0.2890512538807733},{"text":"I'm more than happy to, you know, make time at any time that suits you.","start":871.885,"end":875.505,"sentiment":"positive","sentiment_score":0.5965129971504212},{"text":"In the meantime, I'll just go back and do some research here for you.","start":875.965,"end":878.685,"sentiment":"neutral","sentiment_score":0.1938817139182772},{"text":"I'll send you an email once I know the outcome of the pre assessments and what we're looking for, what we can kind of expect, and then we can make sure we do catch ups down the track and keep looking at what to do with the additional funds, you know, how we invest and what we do with that.","start":878.685,"end":892.21,"sentiment":"neutral","sentiment_score":0.16646264096101124}],"sentiment":"neutral","sentiment_score":0.2701443935985918,"num_words":108,"start":867.43,"end":892.21},{"sentences":[{"text":"There are additional fees for getting advice outside of Super, but when we know a bit more about your goals, I can go into a bit more detail around what what that might look like for you.","start":892.83,"end":903.46497,"sentiment":"neutral","sentiment_score":0.08151028607342695},{"text":"Just wanna sort of yeah.","start":903.925,"end":907.065,"sentiment":"neutral","sentiment_score":0.03175718300044537},{"text":"But I'll make sure I look after you.","start":907.20496,"end":908.64496,"sentiment":"neutral","sentiment_score":0.07096803048625588},{"text":"Anything I can do that I do yeah.","start":908.64496,"end":911.845,"sentiment":"neutral","sentiment_score":0.12494535837322474},{"text":"Anything I can do for free or with general advice, I'll make sure I sorta help you out with as well.","start":911.845,"end":916.79,"sentiment":"neutral","sentiment_score":0.1708733829714003}],"sentiment":"neutral","sentiment_score":0.10544702092397816,"num_words":79,"start":892.83,"end":916.79},{"sentences":[{"text":"But, yeah, once we kinda know what your goals are, what we're looking at, and what scope the advice would be around, I can give you an outlook of what the fee structure would look like, and then you're welcome to decide whether you take it or not.","start":917.41,"end":928.44995,"sentiment":"neutral","sentiment_score":0.11920172247725229},{"text":"Okay?","start":928.44995,"end":928.94995,"sentiment":"neutral","sentiment_score":0.11231400072574615},{"text":"Easy.","start":931.315,"end":931.79504,"sentiment":"positive","sentiment_score":0.508360743522644},{"text":"Is there any other questions or anything else you might have for me at the moment?","start":931.79504,"end":935.315,"sentiment":"neutral","sentiment_score":0.1699668732471764},{"text":"You're welcome to let me know if there's anything research wise you need from me.","start":935.315,"end":938.91504,"sentiment":"neutral","sentiment_score":0.11315231422583262}],"sentiment":"neutral","sentiment_score":0.13282854454936804,"num_words":81,"start":917.41,"end":938.91504},{"sentences":[{"text":"Or Yep.","start":938.91504,"end":949.67004,"sentiment":"neutral","sentiment_score":0.012945814989507198},{"text":"Yep.","start":954.61005,"end":954.915,"sentiment":"neutral","sentiment_score":0.04133442044258118},{"text":"Absolutely.","start":958.435,"end":958.935,"sentiment":"neutral","sentiment_score":0.11616650968790054},{"text":"Yep.","start":959.71497,"end":960.21497,"sentiment":"neutral","sentiment_score":0.09452135860919952},{"text":"Beautiful.","start":962.195,"end":962.695,"sentiment":"positive","sentiment_score":0.5733577013015747}],"sentiment":"neutral","sentiment_score":0.14187860333671173,"num_words":6,"start":938.91504,"end":962.695},{"sentences":[{"text":"I like it.","start":962.83496,"end":963.39496,"sentiment":"positive","sentiment_score":0.5790733297665914},{"text":"One step at a time, one day at a time, but you're doing really well.","start":963.39496,"end":966.535,"sentiment":"positive","sentiment_score":0.38763353824615476},{"text":"Fantastic.","start":967.15497,"end":967.65497,"sentiment":"positive","sentiment_score":0.6237432360649109},{"text":"Good to hear you've got a got some things on the horizon.","start":967.71497,"end":970.54,"sentiment":"positive","sentiment_score":0.33988115067283314},{"text":"Absolutely.","start":971.0,"end":971.5,"sentiment":"neutral","sentiment_score":0.13223163783550262}],"sentiment":"positive","sentiment_score":0.38707099203020334,"num_words":32,"start":962.83496,"end":971.5},{"sentences":[{"text":"Things take time.","start":971.8,"end":972.84,"sentiment":"neutral","sentiment_score":0.033085939163963},{"text":"It's not a problem at all, but, no.","start":972.84,"end":974.36,"sentiment":"neutral","sentiment_score":0.13176433183252811},{"text":"Look.","start":974.36,"end":974.52,"sentiment":"neutral","sentiment_score":0.286018431186676},{"text":"Honestly, it's really exciting opportunities ahead there for you, Nick.","start":974.52,"end":977.8,"sentiment":"positive","sentiment_score":0.7444189190864563},{"text":"I'm very happy to watch you go through this and to be a part of it with you.","start":977.8,"end":981.495,"sentiment":"positive","sentiment_score":0.8175855610105727}],"sentiment":"positive","sentiment_score":0.5900030048098415,"num_words":40,"start":971.8,"end":981.495},{"sentences":[{"text":"Easy.","start":983.65497,"end":984.135,"sentiment":"positive","sentiment_score":0.7575479745864868},{"text":"Thank you so much for your time.","start":984.135,"end":985.495,"sentiment":"positive","sentiment_score":0.8610269171851022},{"text":"I hope you have a lovely day, and I'll get stuck into this research side of things for you.","start":985.495,"end":989.915,"sentiment":"positive","sentiment_score":0.7901347718740764},{"text":"My pleasure, Nick.","start":992.855,"end":993.735,"sentiment":"positive","sentiment_score":0.8116231362024943},{"text":"You enjoy your day.","start":993.735,"end":994.615,"sentiment":"positive","sentiment_score":0.8275695145130157}],"sentiment":"positive","sentiment_score":0.8100718978573295,"num_words":34,"start":983.65497,"end":994.615},{"sentences":[{"text":"Thank you for taking my call this morning.","start":994.615,"end":996.635,"sentiment":"positive","sentiment_score":0.8173929154872894},{"text":"Thanks.","start":998.47485,"end":998.95483,"sentiment":"positive","sentiment_score":0.6586061120033264},{"text":"See you later.","start":998.95483,"end":999.7549,"sentiment":"positive","sentiment_score":0.5378550787766775},{"text":"Bye.","start":999.7549,"end":1000.2549,"sentiment":"neutral","sentiment_score":0.28244251012802124}],"sentiment":"positive","sentiment_score":0.6995197832584381,"num_words":13,"start":994.615,"end":1000.2549}]}}]},{"alternatives":[{"transcript":"Nick speaking. Hi. This is Justin. Yeah. Good. Yourself? Now it's still good. Yeah. That's fine. Yep. Nicholas Peter Haines, 01/11/1985, and 20 5, Trueside Court, Caboolture. Yeah. So I've decided to go down the route of being a owner driver for courier stuff. Okay. So I've started my own new company, hopefully pick the van up on Wednesday morning. And then, yeah, I'll be a subcontractor to Bonds Transport Group. I'd say probably between thirty and forty kilo for the most part would be the heaviest stuff. So they basically say you log on from 7AM, and then from there, they allocate jobs for you to pick up and deliver, and generally finish between four and five. It's basically per delivery. So one of the examples that they gave was that, you know, you could spend a day doing little deliveries of smaller packages around town, but then the following day, you could be off to go, say, from here up to, I don't know, Bundaberg or something, for example, pick something up and bring it back. And because of that extra travel, you'd actually make more money than you would for doing all the little ones around town. It it is early. Yeah. Wednesday morning, the last time I heard from the the sales manager, it forward. I'm hoping from next week, but just gotta make sure so that everything else is is lined up, all the insurances and everything that you need. So Yes. Mhmm. Yeah. I think that sounds like a good plan. Yeah. Yeah. Definitely looking forward to that. So Yeah. So pretty much still selling my house to my brother's trust estate. So depending what the real estate end up saying market value is for it, I'm probably gonna have between 6 and 700,000 left over, basically, that I could use as capital. Is that something you guys can help with with, like, the best strategies to sorta invest that? I've been thinking along the lines of potentially using some of it. If I could buy a fully managed business like a cafe or something that had an okay profit margin just so there's some sort of passive income, things like that. Yep. Yeah. Yeah. Cool. Yeah. Yeah. Yeah. Yeah. Yeah. Cool. Yeah. Yeah. Definitely a little bit less stressed. And I feel like, you know, that's a good amount of capital that I could potentially use, spread it over a couple of different areas, and hopefully, yeah, really start building a good portfolio of different investments, you know, whether it be businesses, shares, but, yeah, kind of spread it out a bit. Yeah. Which look in the long run, what I would love to do is build and open a dedicated ice and inline rink here in Moreton Bay. Yeah. I think that's gonna be quite a ways down the track because what I'm thinking would be pretty expensive. But, yeah, that's kind of what I wanna try and work towards is having the the income in the background to try and make that a reality. Depending what level I aimed for, it could be anywhere, you know, $1,520,000,000 up to 40,000,000. It's yeah. Gotta gotta aim high. Right? Yeah. Yeah. It would be significant. Yeah. Yeah. Yeah. Would once it's getting to that point, because you guys still do a bit with QC accountants and Chris over there, don't you? Yep. Yeah. Cool. Yeah. You just referred me to them, must have been early last year, but then I I went back to them for setting up my new company for all all this, courier stuff. So I was just wondering if sort of once it gets to that point, if it's worthwhile having a conversation between the three of us or something and sort of, yeah, working out what's best and go from there. Cool. Yeah. I've been keeping a bit of an eye on it. So Yep. Yeah. I figured that'd be additional phase. Yeah. Beautiful. No. I think at the moment, that's probably everything. I guess, yeah, you can go check out the insurance side of things. Once I hear more about a settlement date, I can flick an email about that, then just work out everything from there. Get getting there slowly. Yeah. Beautiful. Awesome. Thank you very much, Seema. Cheers. 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speaking. Hi. This is Justin. Yeah. Good.\n\nYourself? Now it's still good. Yeah. That's fine. Yep.\n\nNicholas Peter Haines, 01/11/1985, and 20 5, Trueside Court, Caboolture. Yeah. So I've decided to go down the route of being a owner driver for courier stuff. Okay. So I've started my own new company, hopefully pick the van up on Wednesday morning.\n\nAnd then, yeah, I'll be a subcontractor to Bonds Transport Group. I'd say probably between thirty and forty kilo for the most part would be the heaviest stuff. So they basically say you log on from 7AM, and then from there, they allocate jobs for you to pick up and deliver, and generally finish between four and five. It's basically per delivery. So one of the examples that they gave was that, you know, you could spend a day doing little deliveries of smaller packages around town, but then the following day, you could be off to go, say, from here up to, I don't know, Bundaberg or something, for example, pick something up and bring it back.\n\nAnd because of that extra travel, you'd actually make more money than you would for doing all the little ones around town. It it is early. Yeah. Wednesday morning, the last time I heard from the the sales manager, it forward. I'm hoping from next week, but just gotta make sure so that everything else is is lined up, all the insurances and everything that you need.\n\nSo Yes. Mhmm. Yeah. I think that sounds like a good plan. Yeah.\n\nYeah. Definitely looking forward to that. So Yeah. So pretty much still selling my house to my brother's trust estate. So depending what the real estate end up saying market value is for it, I'm probably gonna have between 6 and 700,000 left over, basically, that I could use as capital.\n\nIs that something you guys can help with with, like, the best strategies to sorta invest that? I've been thinking along the lines of potentially using some of it. If I could buy a fully managed business like a cafe or something that had an okay profit margin just so there's some sort of passive income, things like that. Yep. Yeah.\n\nYeah. Cool. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Cool. Yeah. Yeah.\n\nDefinitely a little bit less stressed. And I feel like, you know, that's a good amount of capital that I could potentially use, spread it over a couple of different areas, and hopefully, yeah, really start building a good portfolio of different investments, you know, whether it be businesses, shares, but, yeah, kind of spread it out a bit. Yeah. Which look in the long run, what I would love to do is build and open a dedicated ice and inline rink here in Moreton Bay. Yeah.\n\nI think that's gonna be quite a ways down the track because what I'm thinking would be pretty expensive. But, yeah, that's kind of what I wanna try and work towards is having the the income in the background to try and make that a reality. Depending what level I aimed for, it could be anywhere, you know, $1,520,000,000 up to 40,000,000. It's yeah. Gotta gotta aim high.\n\nRight? Yeah. Yeah. It would be significant. Yeah.\n\nYeah. Yeah. Would once it's getting to that point, because you guys still do a bit with QC accountants and Chris over there, don't you? Yep. Yeah.\n\nCool. Yeah. You just referred me to them, must have been early last year, but then I I went back to them for setting up my new company for all all this, courier stuff. So I was just wondering if sort of once it gets to that point, if it's worthwhile having a conversation between the three of us or something and sort of, yeah, working out what's best and go from there. Cool.\n\nYeah. I've been keeping a bit of an eye on it. So Yep. Yeah. I figured that'd be additional phase.\n\nYeah. Beautiful. No. I think at the moment, that's probably everything. I guess, yeah, you can go check out the insurance side of things.\n\nOnce I hear more about a settlement date, I can flick an email about that, then just work out everything from there. Get getting there slowly. Yeah. Beautiful. Awesome.\n\nThank you very much, Seema. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Nick speaking.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.015899701975286007},{"text":"Hi.","start":3.4399998,"end":3.84,"sentiment":"neutral","sentiment_score":0.08097007870674133},{"text":"This is Justin.","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.08621936043103536},{"text":"Yeah.","start":6.8799996,"end":7.2,"sentiment":"neutral","sentiment_score":0.24347056448459625},{"text":"Good.","start":7.2,"end":7.52,"sentiment":"positive","sentiment_score":0.43679261207580566}],"sentiment":"neutral","sentiment_score":0.13146134256385267,"num_words":8,"start":1.4399999,"end":7.52},{"sentences":[{"text":"Yourself?","start":7.52,"end":8.02,"sentiment":"neutral","sentiment_score":0.32794058322906494},{"text":"Now it's still good.","start":15.655,"end":21.235,"sentiment":"neutral","sentiment_score":0.13575736433267593},{"text":"Yeah.","start":25.575,"end":25.814999,"sentiment":"neutral","sentiment_score":0.1303609311580658},{"text":"That's fine.","start":25.814999,"end":26.635,"sentiment":"neutral","sentiment_score":0.15532183647155762},{"text":"Yep.","start":34.72,"end":35.12,"sentiment":"neutral","sentiment_score":0.03696291893720627}],"sentiment":"neutral","sentiment_score":0.14988195151090622,"num_words":9,"start":7.52,"end":35.12},{"sentences":[{"text":"Nicholas Peter Haines, 01/11/1985, and 20 5, Trueside Court, Caboolture.","start":35.12,"end":40.260002,"sentiment":"neutral","sentiment_score":0.03373643551021814},{"text":"Yeah.","start":61.62,"end":62.1,"sentiment":"neutral","sentiment_score":0.0327305868268013},{"text":"So I've decided to go down the route of being a owner driver for courier stuff.","start":62.1,"end":72.105,"sentiment":"neutral","sentiment_score":0.03337074408773333},{"text":"Okay.","start":73.145004,"end":73.645004,"sentiment":"neutral","sentiment_score":0.04038695991039276},{"text":"So I've started my own new company, hopefully pick the van up on Wednesday morning.","start":74.825005,"end":83.885,"sentiment":"neutral","sentiment_score":0.0650045059621334}],"sentiment":"neutral","sentiment_score":0.04463910224825837,"num_words":43,"start":35.12,"end":83.885},{"sentences":[{"text":"And then, yeah, I'll be a subcontractor to Bonds Transport Group.","start":84.47,"end":89.21,"sentiment":"neutral","sentiment_score":0.059927804564887825},{"text":"I'd say probably between thirty and forty kilo for the most part would be the heaviest stuff.","start":102.555,"end":109.854996,"sentiment":"neutral","sentiment_score":-0.047107364653664476},{"text":"So they basically say you log on from 7AM, and then from there, they allocate jobs for you to pick up and deliver, and generally finish between four and five.","start":120.18,"end":138.97,"sentiment":"neutral","sentiment_score":0.060961558297276494},{"text":"It's basically per delivery.","start":151.11499,"end":153.055,"sentiment":"neutral","sentiment_score":0.01695023779757321},{"text":"So one of the examples that they gave was that, you know, you could spend a day doing little deliveries of smaller packages around town, but then the following day, you could be off to go, say, from here up to, I don't know, Bundaberg or something, for example, pick something up and bring it back.","start":153.67499,"end":178.315,"sentiment":"neutral","sentiment_score":0.03546482088443424}],"sentiment":"neutral","sentiment_score":0.03170388407405403,"num_words":118,"start":84.47,"end":178.315},{"sentences":[{"text":"And because of that extra travel, you'd actually make more money than you would for doing all the little ones around town.","start":178.615,"end":186.55501,"sentiment":"neutral","sentiment_score":0.11159743808887222},{"text":"It it is early.","start":199.44499,"end":200.42499,"sentiment":"neutral","sentiment_score":0.04408142901957035},{"text":"Yeah.","start":206.805,"end":207.28499,"sentiment":"neutral","sentiment_score":0.07089106738567352},{"text":"Wednesday morning, the last time I heard from the the sales manager, it forward.","start":207.28499,"end":213.39,"sentiment":"neutral","sentiment_score":0.0860392406050648},{"text":"I'm hoping from next week, but just gotta make sure so that everything else is is lined up, all the insurances and everything that you need.","start":226.175,"end":235.375,"sentiment":"neutral","sentiment_score":0.07643602938892749}],"sentiment":"neutral","sentiment_score":0.08797382916421143,"num_words":67,"start":178.615,"end":235.375},{"sentences":[{"text":"So Yes.","start":235.375,"end":240.195,"sentiment":"neutral","sentiment_score":0.03375634923577309},{"text":"Mhmm.","start":276.22998,"end":276.72998,"sentiment":"neutral","sentiment_score":0.03694640100002289},{"text":"Yeah.","start":291.805,"end":292.125,"sentiment":"neutral","sentiment_score":0.2514820694923401},{"text":"I think that sounds like a good plan.","start":292.125,"end":294.06497,"sentiment":"positive","sentiment_score":0.5012125447392464},{"text":"Yeah.","start":324.38998,"end":324.88998,"sentiment":"neutral","sentiment_score":0.25953027606010437}],"sentiment":"positive","sentiment_score":0.35578244637984496,"num_words":13,"start":235.375,"end":324.88998},{"sentences":[{"text":"Yeah.","start":325.50998,"end":325.83,"sentiment":"positive","sentiment_score":0.34560221433639526},{"text":"Definitely looking forward to that.","start":325.83,"end":327.50998,"sentiment":"positive","sentiment_score":0.6872601747512818},{"text":"So Yeah.","start":327.50998,"end":342.30502,"sentiment":"neutral","sentiment_score":0.21614816412329674},{"text":"So pretty much still selling my house to my brother's trust estate.","start":342.445,"end":352.065,"sentiment":"neutral","sentiment_score":-0.007369905496792247},{"text":"So depending what the real estate end up saying market value is for it, I'm probably gonna have between 6 and 700,000 left over, basically, that I could use as capital.","start":354.31,"end":367.69,"sentiment":"neutral","sentiment_score":0.034974799040825136}],"sentiment":"neutral","sentiment_score":0.10215645726751901,"num_words":51,"start":325.50998,"end":367.69},{"sentences":[{"text":"Is that something you guys can help with with, like, the best strategies to sorta invest that?","start":370.96503,"end":379.625,"sentiment":"neutral","sentiment_score":0.13076843058361726},{"text":"I've been thinking along the lines of potentially using some of it.","start":381.05002,"end":385.23,"sentiment":"neutral","sentiment_score":0.07023403071798384},{"text":"If I could buy a fully managed business like a cafe or something that had an okay profit margin just so there's some sort of passive income, things like that.","start":386.01,"end":407.155,"sentiment":"neutral","sentiment_score":0.27698178961873055},{"text":"Yep.","start":413.65002,"end":414.15002,"sentiment":"neutral","sentiment_score":0.06362803280353546},{"text":"Yeah.","start":442.02,"end":442.41998,"sentiment":"neutral","sentiment_score":0.15994401276111603}],"sentiment":"neutral","sentiment_score":0.19014585938793224,"num_words":61,"start":370.96503,"end":442.41998},{"sentences":[{"text":"Yeah.","start":442.41998,"end":442.65997,"sentiment":"neutral","sentiment_score":0.1993117183446884},{"text":"Cool.","start":442.65997,"end":443.15997,"sentiment":"positive","sentiment_score":0.3989327847957611},{"text":"Yeah.","start":468.92,"end":469.42,"sentiment":"neutral","sentiment_score":0.09368935972452164},{"text":"Yeah.","start":515.895,"end":516.395,"sentiment":"neutral","sentiment_score":0.0714113861322403},{"text":"Yeah.","start":548.705,"end":549.105,"sentiment":"neutral","sentiment_score":0.07561084628105164}],"sentiment":"neutral","sentiment_score":0.1677912190556526,"num_words":5,"start":442.41998,"end":549.105},{"sentences":[{"text":"Yeah.","start":549.105,"end":549.605,"sentiment":"neutral","sentiment_score":0.09163501858711244},{"text":"Yeah.","start":576.265,"end":576.665,"sentiment":"neutral","sentiment_score":0.204521045088768},{"text":"Cool.","start":576.665,"end":577.08,"sentiment":"positive","sentiment_score":0.4669898748397827},{"text":"Yeah.","start":587.48004,"end":587.88,"sentiment":"neutral","sentiment_score":0.18616291880607605},{"text":"Yeah.","start":587.88,"end":588.2,"sentiment":"neutral","sentiment_score":0.19805669784545896}],"sentiment":"neutral","sentiment_score":0.22947311103343965,"num_words":5,"start":549.105,"end":588.2},{"sentences":[{"text":"Definitely a little bit less stressed.","start":588.2,"end":590.62,"sentiment":"neutral","sentiment_score":0.23023112614949545},{"text":"And I feel like, you know, that's a good amount of capital that I could potentially use, spread it over a couple of different areas, and hopefully, yeah, really start building a good portfolio of different investments, you know, whether it be businesses, shares, but, yeah, kind of spread it out a bit.","start":590.655,"end":621.745,"sentiment":"neutral","sentiment_score":0.31580327043555817},{"text":"Yeah.","start":627.325,"end":627.825,"sentiment":"positive","sentiment_score":0.3356565237045288},{"text":"Which look in the long run, what I would love to do is build and open a dedicated ice and inline rink here in Moreton Bay.","start":628.445,"end":641.59,"sentiment":"neutral","sentiment_score":0.287182282942992},{"text":"Yeah.","start":642.61005,"end":643.11005,"sentiment":"neutral","sentiment_score":0.009671740233898165}],"sentiment":"neutral","sentiment_score":0.29805778977514685,"num_words":87,"start":588.2,"end":643.11005},{"sentences":[{"text":"I think that's gonna be quite a ways down the track because what I'm thinking would be pretty expensive.","start":643.25,"end":649.08496,"sentiment":"neutral","sentiment_score":-0.05667289444490483},{"text":"But, yeah, that's kind of what I wanna try and work towards is having the the income in the background to try and make that a reality.","start":651.14496,"end":659.005,"sentiment":"neutral","sentiment_score":0.09429326211964642},{"text":"Depending what level I aimed for, it could be anywhere, you know, $1,520,000,000 up to 40,000,000.","start":677.805,"end":688.57,"sentiment":"neutral","sentiment_score":0.020369785197544843},{"text":"It's yeah.","start":688.57,"end":689.71,"sentiment":"neutral","sentiment_score":0.01332707772962749},{"text":"Gotta gotta aim high.","start":695.53,"end":698.41003,"sentiment":"neutral","sentiment_score":0.15201973542571068}],"sentiment":"neutral","sentiment_score":0.03573209916323643,"num_words":68,"start":643.25,"end":698.41003},{"sentences":[{"text":"Right?","start":698.41003,"end":698.91003,"sentiment":"neutral","sentiment_score":0.08898197114467621},{"text":"Yeah.","start":713.82,"end":714.30005,"sentiment":"neutral","sentiment_score":0.016409534960985184},{"text":"Yeah.","start":714.30005,"end":714.54004,"sentiment":"neutral","sentiment_score":0.022184286266565323},{"text":"It would be significant.","start":714.54004,"end":715.68005,"sentiment":"neutral","sentiment_score":0.028050477616488934},{"text":"Yeah.","start":728.745,"end":729.245,"sentiment":"neutral","sentiment_score":0.06440119445323944}],"sentiment":"neutral","sentiment_score":0.038022362161427736,"num_words":8,"start":698.41003,"end":729.245},{"sentences":[{"text":"Yeah.","start":742.58997,"end":743.08997,"sentiment":"neutral","sentiment_score":0.011319458484649658},{"text":"Yeah.","start":749.31,"end":749.81,"sentiment":"neutral","sentiment_score":0.061001844704151154},{"text":"Would once it's getting to that point, because you guys still do a bit with QC accountants and Chris over there, don't you?","start":765.985,"end":775.54,"sentiment":"neutral","sentiment_score":0.029163808764322945},{"text":"Yep.","start":786.005,"end":786.505,"sentiment":"neutral","sentiment_score":0.1351066827774048},{"text":"Yeah.","start":789.525,"end":789.925,"sentiment":"neutral","sentiment_score":0.09053077548742294}],"sentiment":"neutral","sentiment_score":0.03587875418640949,"num_words":27,"start":742.58997,"end":789.925},{"sentences":[{"text":"Cool.","start":789.925,"end":790.425,"sentiment":"neutral","sentiment_score":0.17107710242271423},{"text":"Yeah.","start":794.165,"end":794.645,"sentiment":"neutral","sentiment_score":0.043388839811086655},{"text":"You just referred me to them, must have been early last year, but then I I went back to them for setting up my new company for all all this, courier stuff.","start":794.645,"end":806.7,"sentiment":"neutral","sentiment_score":0.039192830852698535},{"text":"So I was just wondering if sort of once it gets to that point, if it's worthwhile having a conversation between the three of us or something and sort of, yeah, working out what's best and go from there.","start":809.4,"end":821.11505,"sentiment":"neutral","sentiment_score":0.030050339511571787},{"text":"Cool.","start":827.49506,"end":827.99506,"sentiment":"positive","sentiment_score":0.5255182981491089}],"sentiment":"neutral","sentiment_score":0.042785379305683276,"num_words":74,"start":789.925,"end":827.99506},{"sentences":[{"text":"Yeah.","start":862.50995,"end":863.00995,"sentiment":"neutral","sentiment_score":0.07425083220005035},{"text":"I've been keeping a bit of an eye on it.","start":863.38995,"end":865.38995,"sentiment":"neutral","sentiment_score":0.20858534872531892},{"text":"So Yep.","start":865.38995,"end":885.12,"sentiment":"neutral","sentiment_score":0.30455272644758224},{"text":"Yeah.","start":903.755,"end":904.07495,"sentiment":"neutral","sentiment_score":0.033211708068847656},{"text":"I figured that'd be additional phase.","start":904.07495,"end":905.935,"sentiment":"neutral","sentiment_score":0.03063240957756837}],"sentiment":"neutral","sentiment_score":0.1493107968941331,"num_words":20,"start":862.50995,"end":905.935},{"sentences":[{"text":"Yeah.","start":929.425,"end":929.745,"sentiment":"neutral","sentiment_score":0.22246083617210388},{"text":"Beautiful.","start":929.745,"end":930.245,"sentiment":"positive","sentiment_score":0.5628937482833862},{"text":"No.","start":943.15,"end":943.65,"sentiment":"neutral","sentiment_score":-0.0836731344461441},{"text":"I think at the moment, that's probably everything.","start":943.79004,"end":948.245,"sentiment":"neutral","sentiment_score":-0.10786960134282708},{"text":"I guess, yeah, you can go check out the insurance side of things.","start":949.985,"end":953.905,"sentiment":"neutral","sentiment_score":0.022620299257911168}],"sentiment":"neutral","sentiment_score":0.005532855400815606,"num_words":24,"start":929.425,"end":953.905},{"sentences":[{"text":"Once I hear more about a settlement date, I can flick an email about that, then just work out everything from there.","start":953.905,"end":961.7,"sentiment":"neutral","sentiment_score":0.0821257196366787},{"text":"Get getting there slowly.","start":967.84,"end":970.26,"sentiment":"positive","sentiment_score":0.383071132004261},{"text":"Yeah.","start":981.065,"end":981.565,"sentiment":"positive","sentiment_score":0.4305031895637512},{"text":"Beautiful.","start":982.105,"end":982.605,"sentiment":"positive","sentiment_score":0.8166422843933105},{"text":"Awesome.","start":990.20996,"end":990.70996,"sentiment":"positive","sentiment_score":0.812058687210083}],"sentiment":"neutral","sentiment_score":0.18614670762728,"num_words":29,"start":953.905,"end":990.70996},{"sentences":[{"text":"Thank you very much, Seema.","start":990.93,"end":992.38995,"sentiment":"positive","sentiment_score":0.8019925117492676},{"text":"Cheers.","start":997.25,"end":997.75,"sentiment":"positive","sentiment_score":0.6543890237808228},{"text":"Bye.","start":1000.2349,"end":1000.7349,"sentiment":"neutral","sentiment_score":-0.10981569439172743}],"sentiment":"positive","sentiment_score":0.6506479840193476,"num_words":7,"start":990.93,"end":1000.7349}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Nick speaking.\n\nChannel 0: Hi, Nick. It's\n\nChannel 1: Hi.\n\nChannel 0: Dana\n\nChannel 1: This\n\nChannel 0: from\n\nChannel 1: is Justin.\n\nChannel 0: Okie Financial. How are you this morning?\n\nChannel 1: Yeah. Good. Yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in this morning for a bit of quick catch up. Is now still a good time there\n\nChannel 1: Now\n\nChannel 0: for\n\nChannel 1: it's still\n\nChannel 0: you? Oh, fantastic. Nick, before we jump into the call, just to let you know,\n\nChannel 1: good.\n\nChannel 0: we do record our calls for quality and training purposes. Are you happy for me\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: That's\n\nChannel 0: proceed\n\nChannel 1: fine.\n\nChannel 0: with that? Fantastic. And just a little quick security check there for you, sir. I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yep. Nicholas Peter Haines, 01/11/1985, and 20\n\nChannel 0: Yep.\n\nChannel 1: 5, Trueside Court, Caboolture.\n\nChannel 0: Beautiful. Thank you so much for that. From our last catch up, we were gonna check-in just to sort of see how things are going in the job space, see what was changing in your life, and just sort of double check to see how things have been tracking since our last advice piece had been provided there for you. So firstly, how is it all going? How's everything going with the job hunt?\n\nChannel 1: Yeah. So I've decided to go down the route of being a owner driver for courier stuff.\n\nChannel 0: Okay.\n\nChannel 1: Okay. So I've started my own new company, hopefully pick the van up on Wednesday morning. And then, yeah, I'll be a subcontractor to Bonds Transport Group.\n\nChannel 0: Fantastic. So a subcontractor there, and this is obviously delivering packages and things like that. What is probably the heaviest package that you think you might be delivering?\n\nChannel 1: I'd say probably between thirty and forty kilo for the most\n\nChannel 0: Okay.\n\nChannel 1: part would be the heaviest stuff.\n\nChannel 0: Yep. Yep. Beautiful. And you'll be doing sort of normal full time hours, or do you know what sort of hours you'll expect to sort of be doing when this all sort of kicks off?\n\nChannel 1: So they basically say you log on from 7AM,\n\nChannel 0: Mhmm.\n\nChannel 1: and then from there, they allocate jobs for you to pick up and deliver,\n\nChannel 0: Yep.\n\nChannel 1: and generally finish between four and five.\n\nChannel 0: Okay. Pick up and deliver. And do you sorta get paid for the hour, or is it more just about how many packages to deliver for for sorta income wise? How did that work?\n\nChannel 1: It's basically per delivery. So one\n\nChannel 0: Yep.\n\nChannel 1: of the examples that they gave was that, you know, you could spend a day doing little deliveries of smaller packages around town,\n\nChannel 0: Mhmm.\n\nChannel 1: but then the following day, you could be off to go, say, from here up to, I don't know, Bundaberg or something, for example, pick something up and bring it back. And because\n\nChannel 0: Yeah.\n\nChannel 1: of that extra travel, you'd actually make more money than you would for doing all the little ones around town.\n\nChannel 0: Yeah. Nice. That's awesome. Well, that is really good. I'm so happy you sort of found something to keep you busy and keep your mind occupied occupied for.\n\nSo sorry. It's still early in the morning. I do apologize.\n\nChannel 1: It it is early.\n\nChannel 0: All good. And so you're picking the van up this week, hopefully, you said. Is that right?\n\nChannel 1: Yeah. Wednesday morning, the last time I heard from the the sales manager, it forward.\n\nChannel 0: Yep. Beautiful. And so if you get the van sort of this week, you should be able to sort of start doing that as of next week. Is that right? Or do you have a a date you're planning to start, you know, logging in?\n\nChannel 1: I'm hoping from next week, but just gotta make sure so that everything else is is lined up, all the insurances and everything that you need. So\n\nChannel 0: Yeah. Because you're technically self employed now. Yeah. Absolutely.\n\nChannel 1: Yes.\n\nChannel 0: No. Definitely. Perfect. Well, what I would sort of say when it comes to where the strategy is at at the moment, we will have to retain your q super just a little bit longer. Normally, when you're starting a new job, they kinda want you to be outside of a probationary period because this is more of a self employed thing, and it's very different to what you have done previously.\n\nWhat I might do is I might just go back and do a little bit of pre assessing with some of the insurers to see how long they would like to sort of see you in that role for and doing the work before they look at maybe offering any sort of insurance cover just so we get a guide on what we're up to. And then\n\nChannel 1: Mhmm.\n\nChannel 0: if you're comfortable with that, I could send you an email just letting you know this is the sort of outcome of the preassessments. This is what we're looking for. This is the sort of time frame we have, and then we can come back and reassess your insurance strategy within that in that time frame. Does that sound okay with you?\n\nChannel 1: Yeah. I think that sounds like a good plan.\n\nChannel 0: Yeah. Beautiful. I'll get my team onto doing those pre assessing pre assessing everything we have with the information I've got today just to sort of give us a bit of guide on where we're tracking for. Then I can give you an email, then you've got a bit of a guide on what we're sort of looking for moving forward, and we'll see if we can sort of put some things in place to get those insurances sorted, get things consolidated for you down the track, and it'll be good. You'll have something to occupy you a little bit more as well.\n\nThat'll be good.\n\nChannel 1: Yeah. Yeah. Definitely\n\nChannel 0: Fantastic.\n\nChannel 1: looking forward to that. So\n\nChannel 0: Yeah. Well, I hope it all goes well. That's fantastic. Is there anything else that you sort of wanted to bring up with me today or wanted me to kinda work on for you or any other questions you might have at the moment? Or\n\nChannel 1: Yeah. So\n\nChannel 0: yep.\n\nChannel 1: pretty much still selling my house to my brother's trust estate.\n\nChannel 0: Yep.\n\nChannel 1: So depending what the real estate end up saying market value is for it, I'm probably\n\nChannel 0: Mhmm.\n\nChannel 1: gonna have between 6 and 700,000 left over, basically, that I could use as capital.\n\nChannel 0: Yep.\n\nChannel 1: Is that something you guys can help with with, like, the best strategies to sorta invest that? I've been thinking along the lines of potentially using some of it. If I could buy a fully managed business like a cafe or something that had an okay profit margin just so there's some\n\nChannel 0: Mhmm.\n\nChannel 1: sort of passive income, things like\n\nChannel 0: Yeah. Yeah. Definitely. So we can provide additional advice in those sorts of areas. We are limited around the business side of things because\n\nChannel 1: that.\n\nChannel 0: we don't have any way of looking at sort of a business and the outgoings. If you are looking\n\nChannel 1: Yep.\n\nChannel 0: at buying a cafe, what I would probably look at doing is speaking to your accountant. That would be the best ones to be able to go through the cafe's financials and determine, you know, the tax consequences for you, whether the cafe is profitable or not, where the outlays sort of are. That would be more of an accountant's thing to do. Have them kinda go through the books and look at the cafe that you're, you know, looking to buy, look at those books in detail for you to give you more of a tax outcome on how that looks for you. If\n\nChannel 1: Yeah.\n\nChannel 0: you are\n\nChannel 1: Yeah.\n\nChannel 0: looking\n\nChannel 1: Cool.\n\nChannel 0: to sort of, you know, invest the funds in maybe other property or invest outside of super or within super and build your other investment options, then we can definitely provide advice around that area. It's just around that business aspect. It's a little bit harder for us because we don't have any way of really valuing the cafe, valuing the business. We don't really do business advice as such. It's a very much a niche area.\n\nAnd, realistically,\n\nChannel 1: Yeah.\n\nChannel 0: that would be more something your accountant can help you with anyway. So they would be get you as part of purchasing the cafe, you would need to get a copy of the financials to the business to be able to work out whether it's profitable or not, taking that back to your account and just having them have a look at that for you to determine, you know, how long the the cafe's been working for. Is it profitable? You know, where are the expenses? What's the staffing look like, what does the, you know, tax side of things look like for yourself, what you can or can't claim with regard to that, whether you're setting up a company versus being a sole trader, and what kind of income you might be able to draw on on what the overall tax situation looks like on that.\n\nSo that would be more of an accountant sort of area rather than a financial adviser side of things. But\n\nChannel 1: Yeah.\n\nChannel 0: if yeah. Again, it depends on what your goals are. If you're looking to invest some of that money and maybe an investment portfolio outside of super or wanting to buy property again with it or, you know, depending on what your goals are, whether you're wanting to maybe put some of it in the super to provide the a bit of an additional boost there, we can definitely help with that. It just comes down to what your goals are and what you're sort of wanting to achieve with those funds. I'd probably wanna have another conversation with you when settlement is all sorted.\n\nDo you have a settlement that you know how much you're gonna end up with\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: just so we can kind of really know that how much you've got available to you to use and what aspect and whether it it's going down that business route or whether you're wanting to maybe put it away and invest it for the time being to kinda grow it whilst you're not sure what you do. We can sort of talk more in-depth about that. But understanding how much money you have and what your goals are with that is really important to making sure that the the recommendations are appropriate to you. So it's definitely\n\nChannel 1: Yeah.\n\nChannel 0: another\n\nChannel 1: Cool.\n\nChannel 0: conversation I wanna have, but I'm very excited for you. Are you feeling good about the decision that you've made with the house? Is everything sort of do you feel a little bit less stressed about it all now, or how do you feel?\n\nChannel 1: Yeah. Yeah. Definitely a little bit less stressed. And\n\nChannel 0: Yep.\n\nChannel 1: I feel like, you know, that's a good amount of capital that I could potentially use, spread it over a couple of different areas,\n\nChannel 0: Yeah.\n\nChannel 1: and hopefully, yeah, really start building a good portfolio of different investments, you know,\n\nChannel 0: Yeah.\n\nChannel 1: whether it be businesses, shares, but, yeah, kind of spread it out a bit.\n\nChannel 0: Yeah. Absolutely. Diversify your investments and kinda build for the future. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Which\n\nChannel 0: like it.\n\nChannel 1: look in the long run, what I would love to do is build and open a dedicated ice and inline rink here in Moreton Bay.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I think that's gonna be quite a ways down the track because what I'm thinking would be pretty expensive.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, that's kind of what I wanna try and work towards is having the the income in the background to try and make that a reality.\n\nChannel 0: Yeah. Fantastic. No. That's a really great goal to have. I'll definitely make a note of that here and and something to work towards.\n\nDo you know sort of how much that might cost you? You did say it'd be quite expensive with what you wanna do. Have you looked at the the sort of costing around how much you might have to spend on on your goal for that?\n\nChannel 1: Depending what level I aimed for, it could be anywhere, you know, $1,520,000,000 up to 40,000,000. It's yeah.\n\nChannel 0: Wow. That's insane how kind of money that is. That's beautiful, though. I can imagine\n\nChannel 1: Gotta\n\nChannel 0: what you're trying to build.\n\nChannel 1: gotta aim high. Right?\n\nChannel 0: Absolutely. Absolutely. Wow. I mean, that kind of a rank would be huge and amazing, honestly. I can only imagine that the sort of running cost to that sort of thing would be pretty high too, wouldn't it?\n\nChannel 1: Yeah. Yeah. It would\n\nChannel 0: Yeah.\n\nChannel 1: be significant.\n\nChannel 0: Yeah. No. That's fantastic. I love that goal. That is beautiful.\n\nSomething to kind of work on. So I'll make a note of that here that for us to kinda keep tracking as we still look at what to do with the funds and keep building on that.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, for the time being, I think I'll go back and I'll do a bit of a pre assessment with the insurers to see, you know, how what they're gonna wanna see with regards to that new role, especially if you are now self employed, and this is very different to what you have done in the past.\n\nChannel 1: Yeah.\n\nChannel 0: We'll get an idea of how long you'll need to have done that role for to be able to look at, you know, the insurance aspect there.\n\nChannel 1: Yeah.\n\nChannel 0: And then, yeah, when you know a bit more about when the property is to go through and be sold and when you should have those funds available to you, then we'll definitely come back and talk more about what your goals are around those funds, what you wanna see happening, and look at how we can help you with that money as well. Okay?\n\nChannel 1: Would once it's getting to that point,\n\nChannel 0: Yeah.\n\nChannel 1: because you guys still do a bit with QC accountants and Chris over there, don't you?\n\nChannel 0: We do. We have a couple of different accountants that we use. So I've got another one that we've recently started referring to as well. He's fantastic as well. So,\n\nChannel 1: Yep.\n\nChannel 0: yeah, we do sort of work with QC as well. It's\n\nChannel 1: Yeah.\n\nChannel 0: more kind\n\nChannel 1: Cool.\n\nChannel 0: of have you have you worked with QC before? Have we referred you to them before?\n\nChannel 1: Yeah. You just referred me to them, must have been early last year, but\n\nChannel 0: Yeah.\n\nChannel 1: then I I went back to them for setting up my new company for all all this, courier stuff.\n\nChannel 0: Yeah.\n\nChannel 1: So I was just wondering if sort of once it gets to that point, if it's worthwhile having a conversation between the three of us or something and sort of, yeah, working out what's best and go from there.\n\nChannel 0: Yeah. Yeah. Absolutely. We can certainly, you know, help you out with that. It's not a problem at all.\n\nChannel 1: Cool.\n\nChannel 0: Fantastic. Excellent. All good. Well, I will give you a little bit of an update as well because we had not long kinda gone through and changed the investments on your sleep with that just to make sure things were working a bit harder and for you. And in the last three months, you have seen net of fees of 2.19% return.\n\nSo earnings wise, as a dollar figure, the income and the growth is a bit over $7,500 made in the last three months. So your super is working really well even amongst all the volatility we are seeing there. Those changes are doing what they're supposed to, which is good to see. Okay.\n\nChannel 1: Yeah. I've been keeping a bit of an eye on it. So\n\nChannel 0: Good stuff. Good stuff. It's never a bad thing. And if there's anything that concerns you or questions you have, let me know. I'm more than happy to, you know, make time at any time that suits you.\n\nIn the meantime, I'll just go back and do some research here for you. I'll send you an email once I know the outcome of the pre assessments and what we're looking for, what we can kind of expect, and then we\n\nChannel 1: Yep.\n\nChannel 0: can make sure we do catch ups down the track and keep looking at what to do with the additional funds, you know, how we invest and what we do with that. There are additional fees for getting advice outside of Super, but when we know a bit more about your goals, I can go into a bit more detail around what what that might look like for you.\n\nChannel 1: Yeah.\n\nChannel 0: Just\n\nChannel 1: I\n\nChannel 0: wanna\n\nChannel 1: figured\n\nChannel 0: sort\n\nChannel 1: that'd be\n\nChannel 0: of\n\nChannel 1: additional phase.\n\nChannel 0: yeah. But I'll make sure I look after you. Anything I can do that I do yeah. Anything I can do for free or with general advice, I'll make sure I sorta help you out with as well. But, yeah, once we kinda know what your goals are, what we're looking at, and what scope the advice would be around, I can give you an outlook of what the fee structure would look like, and then you're welcome to decide whether you take it or not.\n\nOkay?\n\nChannel 1: Yeah. Beautiful.\n\nChannel 0: Easy. Is there any other questions or anything else you might have for me at the moment? You're welcome to let me know if there's anything research wise you need from me. Or\n\nChannel 1: No. I think at the moment, that's probably everything.\n\nChannel 0: Yep.\n\nChannel 1: I guess, yeah, you can go check out the insurance side of things. Once I hear\n\nChannel 0: Yep.\n\nChannel 1: more about a settlement date, I can flick an email about that,\n\nChannel 0: Absolutely.\n\nChannel 1: then\n\nChannel 0: Yep.\n\nChannel 1: just work out everything from there.\n\nChannel 0: Beautiful. I like it. One step at a time, one day at a time, but you're doing really well. Fantastic. Good\n\nChannel 1: Get\n\nChannel 0: to hear you've got a got some\n\nChannel 1: getting\n\nChannel 0: things\n\nChannel 1: there\n\nChannel 0: on\n\nChannel 1: slowly.\n\nChannel 0: the horizon. Absolutely. Things take time. It's not a problem at all, but, no. Look.\n\nHonestly, it's really exciting opportunities ahead there for you, Nick. I'm very happy to watch you go through this and to be a part of it with\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: Beautiful.\n\nChannel 0: Easy. Thank you so much for your time. I hope you have a lovely day, and I'll get stuck into this research side of things for you.\n\nChannel 1: Awesome. Thank you very much, Seema.\n\nChannel 0: My pleasure, Nick. You enjoy your day. Thank you for taking my call this morning.\n\nChannel 1: Cheers.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Nick speaking.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.015899701975286007}],"sentiment":"neutral","sentiment_score":0.015899701975286007,"channel":1,"num_words":2,"start":1.4399999,"end":2.26},{"sentences":[{"text":"Hi, Nick.","start":2.8,"end":3.36,"sentiment":"neutral","sentiment_score":0.06740260869264603},{"text":"It's","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.07315060496330261}],"sentiment":"neutral","sentiment_score":0.06931860744953156,"channel":0,"num_words":3,"start":2.8,"end":3.6799998},{"sentences":[{"text":"Hi.","start":3.4399998,"end":3.84,"sentiment":"neutral","sentiment_score":0.08097007870674133}],"sentiment":"neutral","sentiment_score":0.08097007870674133,"channel":1,"num_words":1,"start":3.4399998,"end":3.84},{"sentences":[{"text":"Dana","start":3.6799998,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.09214384853839874}],"sentiment":"neutral","sentiment_score":0.09214384853839874,"channel":0,"num_words":1,"start":3.6799998,"end":3.9199998},{"sentences":[{"text":"This","start":3.84,"end":4.08,"sentiment":"neutral","sentiment_score":0.10138122737407684}],"sentiment":"neutral","sentiment_score":0.10138122737407684,"channel":1,"num_words":1,"start":3.84,"end":4.08},{"sentences":[{"text":"from","start":3.9199998,"end":4.16,"sentiment":"neutral","sentiment_score":0.08637259155511856}],"sentiment":"neutral","sentiment_score":0.08637259155511856,"channel":0,"num_words":1,"start":3.9199998,"end":4.16},{"sentences":[{"text":"is Justin.","start":4.08,"end":4.66,"sentiment":"neutral","sentiment_score":0.07863842695951462}],"sentiment":"neutral","sentiment_score":0.07863842695951462,"channel":1,"num_words":2,"start":4.08,"end":4.66},{"sentences":[{"text":"Okie Financial.","start":4.16,"end":5.06,"sentiment":"neutral","sentiment_score":0.08393833041191101},{"text":"How are you this morning?","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.15822104513645172}],"sentiment":"neutral","sentiment_score":0.13699741235801152,"channel":0,"num_words":7,"start":4.16,"end":6.2599998},{"sentences":[{"text":"Yeah.","start":6.8799996,"end":7.2,"sentiment":"neutral","sentiment_score":0.24347056448459625},{"text":"Good.","start":7.2,"end":7.52,"sentiment":"positive","sentiment_score":0.43679261207580566},{"text":"Yourself?","start":7.52,"end":8.02,"sentiment":"neutral","sentiment_score":0.32794058322906494}],"sentiment":"positive","sentiment_score":0.33606791992982227,"channel":1,"num_words":3,"start":6.8799996,"end":8.02},{"sentences":[{"text":"I'm very well.","start":8.48,"end":9.36,"sentiment":"positive","sentiment_score":0.625433107217153},{"text":"Thank you.","start":9.36,"end":9.84,"sentiment":"positive","sentiment_score":0.6847234070301056},{"text":"Thanks for asking.","start":9.84,"end":10.639999,"sentiment":"positive","sentiment_score":0.6141544580459595},{"text":"I had you booked in this morning for a bit of quick catch up.","start":10.639999,"end":13.4539995,"sentiment":"neutral","sentiment_score":0.250953309237957},{"text":"Is now still a good time there","start":13.4539995,"end":15.691667,"sentiment":"neutral","sentiment_score":0.2259596586227417}],"sentiment":"positive","sentiment_score":0.35114736032897026,"channel":0,"num_words":29,"start":8.48,"end":15.691667},{"sentences":[{"text":"Now","start":15.655,"end":15.775,"sentiment":"neutral","sentiment_score":0.1094495728611946}],"sentiment":"neutral","sentiment_score":0.1094495728611946,"channel":1,"num_words":1,"start":15.655,"end":15.775},{"sentences":[{"text":"for","start":15.691667,"end":16.011333,"sentiment":"neutral","sentiment_score":0.08481758087873459}],"sentiment":"neutral","sentiment_score":0.08481758087873459,"channel":0,"num_words":1,"start":15.691667,"end":16.011333},{"sentences":[{"text":"it's still","start":15.775,"end":16.395,"sentiment":"neutral","sentiment_score":0.0742282085120678}],"sentiment":"neutral","sentiment_score":0.0742282085120678,"channel":1,"num_words":2,"start":15.775,"end":16.395},{"sentences":[{"text":"you?","start":16.011333,"end":16.331,"sentiment":"neutral","sentiment_score":0.09307695925235748},{"text":"Oh, fantastic.","start":16.331,"end":16.970333,"sentiment":"positive","sentiment_score":0.5348824560642242},{"text":"Nick, before we jump into the call, just to let you know,","start":16.970333,"end":20.806332,"sentiment":"neutral","sentiment_score":0.22174066180984178}],"sentiment":"neutral","sentiment_score":0.2549153208732605,"channel":0,"num_words":15,"start":16.011333,"end":20.806332},{"sentences":[{"text":"good.","start":20.735,"end":21.235,"sentiment":"neutral","sentiment_score":0.28512346744537354}],"sentiment":"neutral","sentiment_score":0.28512346744537354,"channel":1,"num_words":1,"start":20.735,"end":21.235},{"sentences":[{"text":"we do record our calls for quality and training purposes.","start":20.806332,"end":24.002998,"sentiment":"neutral","sentiment_score":0.13865814134478568},{"text":"Are you happy for me","start":24.002998,"end":25.601334,"sentiment":"neutral","sentiment_score":0.20226853787899018}],"sentiment":"neutral","sentiment_score":0.1598616068561872,"channel":0,"num_words":15,"start":20.806332,"end":25.601334},{"sentences":[{"text":"Yeah.","start":25.575,"end":25.814999,"sentiment":"neutral","sentiment_score":0.1303609311580658}],"sentiment":"neutral","sentiment_score":0.1303609311580658,"channel":1,"num_words":1,"start":25.575,"end":25.814999},{"sentences":[{"text":"to","start":25.601334,"end":25.921,"sentiment":"neutral","sentiment_score":0.07627181708812714}],"sentiment":"neutral","sentiment_score":0.07627181708812714,"channel":0,"num_words":1,"start":25.601334,"end":25.921},{"sentences":[{"text":"That's","start":25.814999,"end":26.135,"sentiment":"neutral","sentiment_score":0.15166184306144714}],"sentiment":"neutral","sentiment_score":0.15166184306144714,"channel":1,"num_words":1,"start":25.814999,"end":26.135},{"sentences":[{"text":"proceed","start":25.921,"end":26.240665,"sentiment":"neutral","sentiment_score":0.16587334871292114}],"sentiment":"neutral","sentiment_score":0.16587334871292114,"channel":0,"num_words":1,"start":25.921,"end":26.240665},{"sentences":[{"text":"fine.","start":26.135,"end":26.635,"sentiment":"neutral","sentiment_score":0.1589818298816681}],"sentiment":"neutral","sentiment_score":0.1589818298816681,"channel":1,"num_words":1,"start":26.135,"end":26.635},{"sentences":[{"text":"with that?","start":26.240665,"end":26.88,"sentiment":"neutral","sentiment_score":0.159145325422287},{"text":"Fantastic.","start":27.199999,"end":27.699999,"sentiment":"positive","sentiment_score":0.5002263188362122},{"text":"And just a little quick security check there for you, sir.","start":27.759998,"end":30.16,"sentiment":"neutral","sentiment_score":0.18966365402395075},{"text":"I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":30.16,"end":34.34,"sentiment":"neutral","sentiment_score":0.13877642340958118}],"sentiment":"neutral","sentiment_score":0.1670689891804667,"channel":0,"num_words":34,"start":26.240665,"end":34.34},{"sentences":[{"text":"Yep.","start":34.72,"end":35.12,"sentiment":"neutral","sentiment_score":0.03696291893720627},{"text":"Nicholas Peter Haines, 01/11/1985, and 20","start":35.12,"end":38.64,"sentiment":"neutral","sentiment_score":0.02888434162984292}],"sentiment":"neutral","sentiment_score":0.030038424102323397,"channel":1,"num_words":7,"start":34.72,"end":38.64},{"sentences":[{"text":"Yep.","start":38.399998,"end":38.899998,"sentiment":"neutral","sentiment_score":0.03058289550244808}],"sentiment":"neutral","sentiment_score":0.03058289550244808,"channel":0,"num_words":1,"start":38.399998,"end":38.899998},{"sentences":[{"text":"5, Trueside Court, Caboolture.","start":38.64,"end":40.260002,"sentiment":"neutral","sentiment_score":0.04101457633078098}],"sentiment":"neutral","sentiment_score":0.04101457633078098,"channel":1,"num_words":4,"start":38.64,"end":40.260002},{"sentences":[{"text":"Beautiful.","start":41.085003,"end":41.485,"sentiment":"positive","sentiment_score":0.4149268567562103},{"text":"Thank you so much for that.","start":41.485,"end":43.265,"sentiment":"positive","sentiment_score":0.5256409297386805},{"text":"From our last catch up, we were gonna check-in just to sort of see how things are going in the job space, see what was changing in your life, and just sort of double check to see how things have been tracking since our last advice piece had been provided there for you.","start":44.045002,"end":57.18,"sentiment":"neutral","sentiment_score":0.17271434656291637},{"text":"So firstly, how is it all going?","start":57.72,"end":59.4,"sentiment":"neutral","sentiment_score":0.08792801627090999},{"text":"How's everything going with the job hunt?","start":59.4,"end":61.34,"sentiment":"neutral","sentiment_score":0.0714284958583968}],"sentiment":"neutral","sentiment_score":0.18700173497200012,"channel":0,"num_words":74,"start":41.085003,"end":61.34},{"sentences":[{"text":"Yeah.","start":61.62,"end":62.1,"sentiment":"neutral","sentiment_score":0.0327305868268013},{"text":"So I've decided to go down the route of being a owner driver for courier stuff.","start":62.1,"end":72.105,"sentiment":"neutral","sentiment_score":0.03337074408773333}],"sentiment":"neutral","sentiment_score":0.03333308777826674,"channel":1,"num_words":17,"start":61.62,"end":72.105},{"sentences":[{"text":"Okay.","start":72.585,"end":73.085,"sentiment":"neutral","sentiment_score":0.04536348581314087}],"sentiment":"neutral","sentiment_score":0.04536348581314087,"channel":0,"num_words":1,"start":72.585,"end":73.085},{"sentences":[{"text":"Okay.","start":73.145004,"end":73.645004,"sentiment":"neutral","sentiment_score":0.04038695991039276},{"text":"So I've started my own new company, hopefully pick the van up on Wednesday morning.","start":74.825005,"end":83.885,"sentiment":"neutral","sentiment_score":0.0650045059621334},{"text":"And then, yeah, I'll be a subcontractor to Bonds Transport Group.","start":84.47,"end":89.21,"sentiment":"neutral","sentiment_score":0.059927804564887825}],"sentiment":"neutral","sentiment_score":0.06202445924282074,"channel":1,"num_words":27,"start":73.145004,"end":89.21},{"sentences":[{"text":"Fantastic.","start":89.44,"end":89.94,"sentiment":"neutral","sentiment_score":0.26967960596084595},{"text":"So a subcontractor there, and this is obviously delivering packages and things like that.","start":90.96,"end":96.8,"sentiment":"neutral","sentiment_score":0.06683117151260376},{"text":"What is probably the heaviest package that you think you might be delivering?","start":96.8,"end":100.955,"sentiment":"neutral","sentiment_score":-0.023586673232225273}],"sentiment":"neutral","sentiment_score":0.032096044825656075,"channel":0,"num_words":28,"start":89.44,"end":100.955},{"sentences":[{"text":"I'd say probably between thirty and forty kilo for the most","start":102.555,"end":107.835,"sentiment":"neutral","sentiment_score":-0.03688688491555778}],"sentiment":"neutral","sentiment_score":-0.03688688491555778,"channel":1,"num_words":11,"start":102.555,"end":107.835},{"sentences":[{"text":"Okay.","start":107.575,"end":108.075,"sentiment":"neutral","sentiment_score":-0.05659483000636101}],"sentiment":"neutral","sentiment_score":-0.05659483000636101,"channel":0,"num_words":1,"start":107.575,"end":108.075},{"sentences":[{"text":"part would be the heaviest 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horizon.","start":969.88,"end":970.54,"sentiment":"neutral","sentiment_score":0.1484297290444374},{"text":"Absolutely.","start":971.0,"end":971.5,"sentiment":"neutral","sentiment_score":0.13223163783550262},{"text":"Things take time.","start":971.8,"end":972.84,"sentiment":"neutral","sentiment_score":0.033085939163963},{"text":"It's not a problem at all, but, no.","start":972.84,"end":974.36,"sentiment":"neutral","sentiment_score":0.13176433183252811},{"text":"Look.","start":974.36,"end":974.52,"sentiment":"neutral","sentiment_score":0.286018431186676}],"sentiment":"neutral","sentiment_score":0.12456546661754449,"channel":0,"num_words":15,"start":969.88,"end":974.52},{"sentences":[{"text":"Honestly, it's really exciting opportunities ahead there for you, Nick.","start":974.52,"end":977.8,"sentiment":"positive","sentiment_score":0.7444189190864563},{"text":"I'm very happy to watch you go through this and to be a part of it with","start":977.8,"end":981.08,"sentiment":"positive","sentiment_score":0.8330073777367087}],"sentiment":"positive","sentiment_score":0.8001968374958744,"channel":0,"num_words":27,"start":974.52,"end":981.08},{"sentences":[{"text":"Yeah.","start":981.065,"end":981.565,"sentiment":"positive","sentiment_score":0.4305031895637512}],"sentiment":"positive","sentiment_score":0.4305031895637512,"channel":1,"num_words":1,"start":981.065,"end":981.565},{"sentences":[{"text":"you.","start":981.08,"end":981.495,"sentiment":"positive","sentiment_score":0.5554146766662598}],"sentiment":"positive","sentiment_score":0.5554146766662598,"channel":0,"num_words":1,"start":981.08,"end":981.495},{"sentences":[{"text":"Beautiful.","start":982.105,"end":982.605,"sentiment":"positive","sentiment_score":0.8166422843933105}],"sentiment":"positive","sentiment_score":0.8166422843933105,"channel":1,"num_words":1,"start":982.105,"end":982.605},{"sentences":[{"text":"Easy.","start":983.65497,"end":984.135,"sentiment":"positive","sentiment_score":0.7575479745864868},{"text":"Thank you so much for your time.","start":984.135,"end":985.495,"sentiment":"positive","sentiment_score":0.8610269171851022},{"text":"I hope you have a lovely day, and I'll get stuck into this research side of things for you.","start":985.495,"end":989.915,"sentiment":"positive","sentiment_score":0.7901347718740764}],"sentiment":"positive","sentiment_score":0.8073072985366538,"channel":0,"num_words":27,"start":983.65497,"end":989.915},{"sentences":[{"text":"Awesome.","start":990.20996,"end":990.70996,"sentiment":"positive","sentiment_score":0.812058687210083},{"text":"Thank you very much, Seema.","start":990.93,"end":992.38995,"sentiment":"positive","sentiment_score":0.8019925117492676}],"sentiment":"positive","sentiment_score":0.8036702076594034,"channel":1,"num_words":6,"start":990.20996,"end":992.38995},{"sentences":[{"text":"My pleasure, Nick.","start":992.855,"end":993.735,"sentiment":"positive","sentiment_score":0.8116231362024943},{"text":"You enjoy your day.","start":993.735,"end":994.615,"sentiment":"positive","sentiment_score":0.8275695145130157},{"text":"Thank you for taking my call this morning.","start":994.615,"end":996.635,"sentiment":"positive","sentiment_score":0.8173929154872894}],"sentiment":"positive","sentiment_score":0.818952719370524,"channel":0,"num_words":15,"start":992.855,"end":996.635},{"sentences":[{"text":"Cheers.","start":997.25,"end":997.75,"sentiment":"positive","sentiment_score":0.6543890237808228}],"sentiment":"positive","sentiment_score":0.6543890237808228,"channel":1,"num_words":1,"start":997.25,"end":997.75},{"sentences":[{"text":"Thanks.","start":998.47485,"end":998.95483,"sentiment":"positive","sentiment_score":0.6586061120033264},{"text":"See you later.","start":998.95483,"end":999.7549,"sentiment":"positive","sentiment_score":0.5378550787766775},{"text":"Bye.","start":999.7549,"end":1000.2549,"sentiment":"neutral","sentiment_score":0.28244251012802124}],"sentiment":"positive","sentiment_score":0.510922771692276,"channel":0,"num_words":5,"start":998.47485,"end":1000.2549},{"sentences":[{"text":"Bye.","start":1000.2349,"end":1000.7349,"sentiment":"neutral","sentiment_score":-0.10981569439172743}],"sentiment":"neutral","sentiment_score":-0.10981569439172743,"channel":1,"num_words":1,"start":1000.2349,"end":1000.7349}]},"summary":{"result":"success","short":"A financial representative from Bonds Transport Group calls Nicholas Peter Haines to check on his job hunt and offers to do a pre assessing with insurers and provide a guide on insurance coverage. The customer is interested in investing their money in a business and plans to make a note of their decision and continue to work on their retirement plans. The representative suggests discussing settlement and the cost of the new retirement plan with the customer and building a portfolio for the future. They plan to make a note of the customer's decision and provide an outlook on fees and advice for their goals and timeline for the process."},"intents":{"segments":[{"text":"It's Hi. Dana This from is Okie Justin. Financial. How are you this morning? Yeah.","start_word":4,"end_word":18,"intents":[{"intent":"Check in","confidence_score":0.08972206}]},{"text":"And just a little quick security check there for you, sir. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep.","start_word":93,"end_word":124,"intents":[{"intent":"Confirm identity","confidence_score":0.27744198},{"intent":"Confirm identity","confidence_score":0.14878072},{"intent":"Check security check","confidence_score":0.044249505}]},{"text":"From our last catch up, we were gonna check-in just to sort of see how things are going in the job space, see what was changing in your life, and just sort of double check to see how things have been tracking since our last advice piece had been provided there for you.","start_word":143,"end_word":195,"intents":[{"intent":"Check progress","confidence_score":0.00562485}]},{"text":"So a subcontractor there, and this is obviously delivering packages and things like that. What is probably the heaviest package that you think you might be delivering?","start_word":256,"end_word":282,"intents":[{"intent":"Deliver packages","confidence_score":0.033831924}]},{"text":"Pick up and deliver.","start_word":369,"end_word":372,"intents":[{"intent":"Schedule pickup and delivery","confidence_score":0.010698139}]},{"text":"Pick up and deliver. And do you sorta get paid for the hour, or is it more just about how many packages to deliver for for sorta income wise? How did that work?","start_word":369,"end_word":401,"intents":[{"intent":"Pick up and deliver packages","confidence_score":0.053121164}]},{"text":"Well, what I would sort of say when it comes to where the strategy is at at the moment, we will have to retain your q super just a little bit longer.","start_word":647,"end_word":678,"intents":[{"intent":"Maintain q super","confidence_score":0.14410345}]},{"text":"What I might do is I might just go back and do a little bit of pre assessing with some of the insurers to see how long they would like to sort of see you in that role for and doing the work before they look at maybe offering any sort of insurance cover just so we get a guide on what we're up to. And then Mhmm.","start_word":717,"end_word":784,"intents":[{"intent":"Gather information","confidence_score":0.0037230994},{"intent":"Gather information","confidence_score":0.014965445}]},{"text":"Is that something you guys can help with with, like, the best strategies to sorta invest that?","start_word":1063,"end_word":1079,"intents":[{"intent":"Understand strategy","confidence_score":0.0026470565}]},{"text":"That would be the best ones to be able to go through the cafe's financials and determine, you know, the tax consequences for you, whether the cafe is profitable or not, where the outlays sort of are.","start_word":1183,"end_word":1219,"intents":[{"intent":"Assess financial implications","confidence_score":0.00063666695}]},{"text":"What's the staffing look like, what does the, you know, tax side of things look like for yourself, what you can or can't claim with regard to that, whether you're setting up a company versus being a sole trader, and what kind of income you might be able to draw on on what the overall tax situation looks like on that.","start_word":1445,"end_word":1505,"intents":[{"intent":"Discuss staffing","confidence_score":0.41394863},{"intent":"Discuss tax situation","confidence_score":0.41409662}]},{"text":"If you're looking to invest some of that money and maybe an investment portfolio outside of super or wanting to buy property again with it or, you know, depending on what your goals are, whether you're wanting to maybe put some of it in the super to provide the a bit of an additional boost there, we can definitely help with that. It just comes down to what your goals are and what you're sort of wanting to achieve with those funds.","start_word":1536,"end_word":1617,"intents":[{"intent":"Discuss investment portfolio","confidence_score":0.6164456},{"intent":"Discuss money goals","confidence_score":0.00026676993}]},{"text":"Do you have a settlement that you know how much you're gonna end up with Yeah.","start_word":1631,"end_word":1646,"intents":[{"intent":"Discuss settlement","confidence_score":0.4968796}]},{"text":"Are you feeling good about the decision that you've made with the house? Is everything sort of do you feel a little bit less stressed about it all now, or how do you feel? Yeah.","start_word":1758,"end_word":1792,"intents":[{"intent":"Discuss decision","confidence_score":0.031527176}]},{"text":"I feel like, you know, that's a good amount of capital that I could potentially use, spread it over a couple of different areas, Yeah.","start_word":1802,"end_word":1826,"intents":[{"intent":"Share capital","confidence_score":0.042050052}]},{"text":"Diversify your investments and kinda build for the future.","start_word":1858,"end_word":1866,"intents":[{"intent":"Diversify investments","confidence_score":0.19663481}]},{"text":"But, yeah, that's kind of what I wanna try and work towards is having the the income in the background to try and make that a reality. Yeah.","start_word":1920,"end_word":1947,"intents":[{"intent":"Create income","confidence_score":0.08658693}]},{"text":"Depending what level I aimed for, it could be anywhere, you know, $1,520,000,000 up to 40,000,000. It's yeah.","start_word":2017,"end_word":2034,"intents":[{"intent":"Set goals","confidence_score":0.26367697}]},{"text":"So I'll make a note of that here that for us to kinda keep tracking as we still look at what to do with the funds and keep building on that. Yeah.","start_word":2122,"end_word":2153,"intents":[{"intent":"Track fund","confidence_score":0.0010931189}]},{"text":"But, yeah, for the time being, I think I'll go back and I'll do a bit of a pre assessment with the insurers to see, you know, how what they're gonna wanna see with regards to that new role, especially if you are now self employed, and this is very different to what you have done in the past. Yeah.","start_word":2154,"end_word":2213,"intents":[{"intent":"Evaluate situation","confidence_score":0.0036106277}]},{"text":"So your super is working really well even amongst all the volatility we are seeing there. Those changes are doing what they're supposed to, which is good to see. Okay.","start_word":2572,"end_word":2601,"intents":[{"intent":"Assess success","confidence_score":0.00006772922}]},{"text":"And if there's anything that concerns you or questions you have, let me know.","start_word":2623,"end_word":2636,"intents":[{"intent":"Seek assistance with inquiries","confidence_score":0.000045887744}]},{"text":"can make sure we do catch ups down the track and keep looking at what to do with the additional funds, you know, how we invest and what we do with that.","start_word":2695,"end_word":2726,"intents":[{"intent":"Discuss fund strategies and consult","confidence_score":8.970481e-10}]},{"text":"There are additional fees for getting advice outside of Super, but when we know a bit more about your goals, I can go into a bit more detail around what what that might look like for you. Yeah.","start_word":2727,"end_word":2764,"intents":[{"intent":"Provide guidance on fees and options","confidence_score":0.006616395}]},{"text":"more about a settlement date, I can flick an email about that, Absolutely.","start_word":2924,"end_word":2936,"intents":[{"intent":"Ask about settlement date","confidence_score":0.005851688}]}]},"sentiments":{"segments":[{"text":"Nick speaking. Hi, Nick. It's Hi. Dana This from is Okie Justin. Financial. How are you this morning? Yeah.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.1000211164355278},{"text":"Good.","start_word":19,"end_word":19,"sentiment":"positive","sentiment_score":0.43679261207580566},{"text":"Yourself?","start_word":20,"end_word":20,"sentiment":"neutral","sentiment_score":0.32794058322906494},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":21,"end_word":28,"sentiment":"positive","sentiment_score":0.6266990303993225},{"text":"I had you booked in this morning for a bit of quick catch up. Is now still a good time there Now for it's still you?","start_word":29,"end_word":54,"sentiment":"neutral","sentiment_score":0.20248042047023773},{"text":"Oh, fantastic.","start_word":55,"end_word":56,"sentiment":"positive","sentiment_score":0.5348824262619019},{"text":"Nick, before we jump into the call, just to let you know, good. we do record our calls for quality and training purposes. Are you happy for me Yeah. to That's proceed fine. with that?","start_word":57,"end_word":91,"sentiment":"neutral","sentiment_score":0.18274617195129397},{"text":"Fantastic.","start_word":92,"end_word":92,"sentiment":"positive","sentiment_score":0.5002263188362122},{"text":"And just a little quick security check there for you, sir. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Nicholas Peter Haines, 01/11/1985, and 20 Yep. 5, Trueside Court, Caboolture.","start_word":93,"end_word":135,"sentiment":"neutral","sentiment_score":0.10979679226875304},{"text":"Beautiful. Thank you so much for that.","start_word":136,"end_word":142,"sentiment":"positive","sentiment_score":0.4976879358291626},{"text":"From our last catch up, we were gonna check-in just to sort of see how things are going in the job space, see what was changing in your life, and just sort of double check to see how things have been tracking since our last advice piece had been provided there for you. So firstly, how is it all going? How's everything going with the job hunt? Yeah. So I've decided to go down the route of being a owner driver for courier stuff. Okay. Okay. So I've started my own new company, hopefully pick the van up on Wednesday morning. And then, yeah, I'll be a subcontractor to Bonds Transport Group. Fantastic. So a subcontractor there, and this is obviously delivering packages and things like that. What is probably the heaviest package that you think you might be delivering? I'd say probably between thirty and forty kilo for the most Okay. part would be the heaviest stuff. Yep. Yep. Beautiful. And you'll be doing sort of normal full time hours, or do you know what sort of hours you'll expect to sort of be doing when this all sort of kicks off? So they basically say you log on from 7AM, Mhmm. and then from there, they allocate jobs for you to pick up and deliver, Yep. and generally finish between four and five. Okay. Pick up and deliver. And do you sorta get paid for the hour, or is it more just about how many packages to deliver for for sorta income wise? How did that work? It's basically per delivery. So one Yep. of the examples that they gave was that, you know, you could spend a day doing little deliveries of smaller packages around town, Mhmm. but then the following day, you could be off to go, say, from here up to, I don't know, Bundaberg or something, for example, pick something up and bring it back. And because Yeah. of that extra travel, you'd actually make more money than you would for doing all the little ones around town. Yeah.","start_word":143,"end_word":487,"sentiment":"neutral","sentiment_score":0.06174173376698425},{"text":"Nice. That's awesome. Well, that is really good. I'm so happy you sort of found something to keep you busy and keep your mind occupied occupied for.","start_word":488,"end_word":514,"sentiment":"positive","sentiment_score":0.7758517861366272},{"text":"So sorry. It's still early in the morning. I do apologize. It it is early. All good. And so you're picking the van up this week, hopefully, you said. Is that right? Yeah. Wednesday morning, the last time I heard from the the sales manager, it forward. Yep.","start_word":515,"end_word":562,"sentiment":"neutral","sentiment_score":0.07167882472276688},{"text":"Beautiful.","start_word":563,"end_word":563,"sentiment":"positive","sentiment_score":0.5365303754806519},{"text":"And so if you get the van sort of this week, you should be able to sort of start doing that as of next week. Is that right? Or do you have a a date you're planning to start, you know, logging in? I'm hoping from next week, but just gotta make sure so that everything else is is lined up, all the insurances and everything that you need. So Yeah. Because you're technically self employed now. Yeah. Absolutely. Yes. No. Definitely. Perfect. Well, what I would sort of say when it comes to where the strategy is at at the moment, we will have to retain your q super just a little bit longer. Normally, when you're starting a new job, they kinda want you to be outside of a probationary period because this is more of a self employed thing, and it's very different to what you have done previously. What I might do is I might just go back and do a little bit of pre assessing with some of the insurers to see how long they would like to sort of see you in that role for and doing the work before they look at maybe offering any sort of insurance cover just so we get a guide on what we're up to. And then Mhmm. if you're comfortable with that, I could send you an email just letting you know this is the sort of outcome of the preassessments. This is what we're looking for. This is the sort of time frame we have, and then we can come back and reassess your insurance strategy within that in that time frame. Does that sound okay with you? Yeah.","start_word":564,"end_word":846,"sentiment":"neutral","sentiment_score":0.04731805569923388},{"text":"I think that sounds like a good plan. Yeah. Beautiful. I'll get my team onto doing those pre assessing pre assessing everything we have with the information I've got today just to sort of give us a bit of guide on where we're tracking for.","start_word":847,"end_word":891,"sentiment":"positive","sentiment_score":0.38362303376197815},{"text":"Then I can give you an email, then you've got a bit of a guide on what we're sort of looking for moving forward, and we'll see if we can sort of put some things in place to get those insurances sorted, get things consolidated for you down the track, and it'll be good. You'll have something to occupy you a little bit more as well.","start_word":892,"end_word":957,"sentiment":"neutral","sentiment_score":0.30036798119544983},{"text":"That'll be good.","start_word":958,"end_word":960,"sentiment":"positive","sentiment_score":0.40121954679489136},{"text":"Yeah.","start_word":961,"end_word":961,"sentiment":"neutral","sentiment_score":0.25953027606010437},{"text":"Yeah. Definitely Fantastic. looking forward to that. So Yeah. Well, I hope it all goes well. That's fantastic.","start_word":962,"end_word":979,"sentiment":"positive","sentiment_score":0.573330819606781},{"text":"Is there anything else that you sort of wanted to bring up with me today or wanted me to kinda work on for you or any other questions you might have at the moment? Or Yeah. So yep. pretty much still selling my house to my brother's trust estate. Yep. So depending what the real estate end up saying market value is for it, I'm probably Mhmm. gonna have between 6 and 700,000 left over, basically, that I could use as capital. Yep. Is that something you guys can help with with, like, the best strategies to sorta invest that? I've been thinking along the lines of potentially using some of it. If I could buy a fully managed business like a cafe or something that had an okay profit margin just so there's some Mhmm. sort of passive income, things like Yeah.","start_word":980,"end_word":1122,"sentiment":"neutral","sentiment_score":0.12112352731344583},{"text":"Yeah. Definitely.","start_word":1123,"end_word":1124,"sentiment":"positive","sentiment_score":0.4321641027927398},{"text":"So we can provide additional advice in those sorts of areas. We are limited around the business side of things because that. we don't have any way of looking at sort of a business and the outgoings. If you are looking Yep. at buying a cafe, what I would probably look at doing is speaking to your accountant. That would be the best ones to be able to go through the cafe's financials and determine, you know, the tax consequences for you, whether the cafe is profitable or not, where the outlays sort of are. That would be more of an accountant's thing to do. Have them kinda go through the books and look at the cafe that you're, you know, looking to buy, look at those books in detail for you to give you more of a tax outcome on how that looks for you. If Yeah. you are Yeah.","start_word":1125,"end_word":1275,"sentiment":"neutral","sentiment_score":0.11720753461122511},{"text":"looking Cool.","start_word":1276,"end_word":1277,"sentiment":"positive","sentiment_score":0.3704223334789276},{"text":"to sort of, you know, invest the funds in maybe other property or invest outside of super or within super and build your other investment options, then we can definitely provide advice around that area. It's just around that business aspect. It's a little bit harder for us because we don't have any way of really valuing the cafe, valuing the business. We don't really do business advice as such. It's a very much a niche area. And, realistically, Yeah. that would be more something your accountant can help you with anyway. So they would be get you as part of purchasing the cafe, you would need to get a copy of the financials to the business to be able to work out whether it's profitable or not, taking that back to your account and just having them have a look at that for you to determine, you know, how long the the cafe's been working for. Is it profitable? You know, where are the expenses? What's the staffing look like, what does the, you know, tax side of things look like for yourself, what you can or can't claim with regard to that, whether you're setting up a company versus being a sole trader, and what kind of income you might be able to draw on on what the overall tax situation looks like on that. So that would be more of an accountant sort of area rather than a financial adviser side of things. But Yeah. if yeah. Again, it depends on what your goals are. If you're looking to invest some of that money and maybe an investment portfolio outside of super or wanting to buy property again with it or, you know, depending on what your goals are, whether you're wanting to maybe put some of it in the super to provide the a bit of an additional boost there, we can definitely help with that. It just comes down to what your goals are and what you're sort of wanting to achieve with those funds. I'd probably wanna have another conversation with you when settlement is all sorted. Do you have a settlement that you know how much you're gonna end up with Yeah. Yeah. just so we can kind of really know that how much you've got available to you to use and what aspect and whether it it's going down that business route or whether you're wanting to maybe put it away and invest it for the time being to kinda grow it whilst you're not sure what you do. We can sort of talk more in-depth about that. But understanding how much money you have and what your goals are with that is really important to making sure that the the recommendations are appropriate to you. So it's definitely Yeah.","start_word":1278,"end_word":1745,"sentiment":"neutral","sentiment_score":0.10016344831540036},{"text":"another Cool. conversation I wanna have, but I'm very excited for you. Are you feeling good about the decision that you've made with the house?","start_word":1746,"end_word":1770,"sentiment":"positive","sentiment_score":0.5314443111419678},{"text":"Is everything sort of do you feel a little bit less stressed about it all now, or how do you feel? Yeah. Yeah. Definitely a little bit less stressed. And Yep.","start_word":1771,"end_word":1801,"sentiment":"neutral","sentiment_score":0.15164026618003845},{"text":"I feel like, you know, that's a good amount of capital that I could potentially use, spread it over a couple of different areas, Yeah. and hopefully, yeah, really start building a good portfolio of different investments, you know, Yeah.","start_word":1802,"end_word":1841,"sentiment":"positive","sentiment_score":0.3905719220638275},{"text":"whether it be businesses, shares, but, yeah, kind of spread it out a bit. Yeah.","start_word":1842,"end_word":1856,"sentiment":"neutral","sentiment_score":0.08667933940887451},{"text":"Absolutely. Diversify your investments and kinda build for the future. Absolutely. Yeah. I like Which it.","start_word":1857,"end_word":1872,"sentiment":"positive","sentiment_score":0.4508555829524994},{"text":"look in the long run, what I would love to do is build and open a dedicated ice and inline rink here in Moreton Bay. Yeah. Yeah. I think that's gonna be quite a ways down the track because what I'm thinking would be pretty expensive. Yeah. But, yeah, that's kind of what I wanna try and work towards is having the the income in the background to try and make that a reality. Yeah.","start_word":1873,"end_word":1947,"sentiment":"neutral","sentiment_score":0.10966049879789352},{"text":"Fantastic.","start_word":1948,"end_word":1948,"sentiment":"positive","sentiment_score":0.4770235419273377},{"text":"No.","start_word":1949,"end_word":1949,"sentiment":"neutral","sentiment_score":0.27415651082992554},{"text":"That's a really great goal to have. I'll definitely make a note of that here and and something to work towards.","start_word":1950,"end_word":1970,"sentiment":"positive","sentiment_score":0.4785614609718323},{"text":"Do you know sort of how much that might cost you? You did say it'd be quite expensive with what you wanna do. Have you looked at the the sort of costing around how much you might have to spend on on your goal for that? Depending what level I aimed for, it could be anywhere, you know, $1,520,000,000 up to 40,000,000. It's yeah. Wow. That's insane how kind of money that is.","start_word":1971,"end_word":2043,"sentiment":"neutral","sentiment_score":0.015185818076133728},{"text":"That's beautiful, though.","start_word":2044,"end_word":2046,"sentiment":"positive","sentiment_score":0.47893935441970825},{"text":"I can imagine Gotta what you're trying to build. gotta aim high. Right? Absolutely. Absolutely. Wow. I mean, that kind of a rank would be huge and amazing, honestly. I can only imagine that the sort of running cost to that sort of thing would be pretty high too, wouldn't it? Yeah. Yeah. It would Yeah. be significant. Yeah. No.","start_word":2047,"end_word":2106,"sentiment":"neutral","sentiment_score":0.07278929650783539},{"text":"That's fantastic. I love that goal. That is beautiful.","start_word":2107,"end_word":2115,"sentiment":"positive","sentiment_score":0.6009701490402222},{"text":"Something to kind of work on. So I'll make a note of that here that for us to kinda keep tracking as we still look at what to do with the funds and keep building on that. Yeah. But, yeah, for the time being, I think I'll go back and I'll do a bit of a pre assessment with the insurers to see, you know, how what they're gonna wanna see with regards to that new role, especially if you are now self employed, and this is very different to what you have done in the past. Yeah. We'll get an idea of how long you'll need to have done that role for to be able to look at, you know, the insurance aspect there. Yeah. And then, yeah, when you know a bit more about when the property is to go through and be sold and when you should have those funds available to you, then we'll definitely come back and talk more about what your goals are around those funds, what you wanna see happening, and look at how we can help you with that money as well. Okay? Would once it's getting to that point, Yeah. because you guys still do a bit with QC accountants and Chris over there, don't you? We do. We have a couple of different accountants that we use. So I've got another one that we've recently started referring to as well.","start_word":2116,"end_word":2355,"sentiment":"neutral","sentiment_score":0.0977950943633914},{"text":"He's fantastic as well.","start_word":2356,"end_word":2359,"sentiment":"positive","sentiment_score":0.5767249464988708},{"text":"So, Yep. yeah, we do sort of work with QC as well. It's Yeah. more kind Cool. of have you have you worked with QC before? Have we referred you to them before? Yeah. You just referred me to them, must have been early last year, but Yeah. then I I went back to them for setting up my new company for all all this, courier stuff. Yeah. So I was just wondering if sort of once it gets to that point, if it's worthwhile having a conversation between the three of us or something and sort of, yeah, working out what's best and go from there. Yeah. Yeah. Absolutely.","start_word":2360,"end_word":2469,"sentiment":"neutral","sentiment_score":0.05646079033613205},{"text":"We can certainly, you know, help you out with that.","start_word":2470,"end_word":2479,"sentiment":"positive","sentiment_score":0.38372913002967834},{"text":"It's not a problem at all.","start_word":2480,"end_word":2485,"sentiment":"neutral","sentiment_score":0.31373435258865356},{"text":"Cool. Fantastic. Excellent. All good.","start_word":2486,"end_word":2490,"sentiment":"positive","sentiment_score":0.5754531025886536},{"text":"Well, I will give you a little bit of an update as well because we had not long kinda gone through and changed the investments on your sleep with that just to make sure things were working a bit harder and for you. And in the last three months, you have seen net of fees of 2.19% return. So earnings wise, as a dollar figure, the income and the growth is a bit over $7,500 made in the last three months.","start_word":2491,"end_word":2571,"sentiment":"neutral","sentiment_score":0.21510447561740875},{"text":"So your super is working really well even amongst all the volatility we are seeing there. Those changes are doing what they're supposed to, which is good to see.","start_word":2572,"end_word":2600,"sentiment":"positive","sentiment_score":0.525553822517395},{"text":"Okay. Yeah. I've been keeping a bit of an eye on it.","start_word":2601,"end_word":2612,"sentiment":"neutral","sentiment_score":0.19147936503092447},{"text":"So Good stuff. Good stuff. It's never a bad thing.","start_word":2613,"end_word":2622,"sentiment":"positive","sentiment_score":0.6953790187835693},{"text":"And if there's anything that concerns you or questions you have, let me know.","start_word":2623,"end_word":2636,"sentiment":"neutral","sentiment_score":0.2953248620033264},{"text":"I'm more than happy to, you know, make time at any time that suits you.","start_word":2637,"end_word":2651,"sentiment":"positive","sentiment_score":0.6018700003623962},{"text":"In the meantime, I'll just go back and do some research here for you. I'll send you an email once I know the outcome of the pre assessments and what we're looking for, what we can kind of expect, and then we Yep. can make sure we do catch ups down the track and keep looking at what to do with the additional funds, you know, how we invest and what we do with that. There are additional fees for getting advice outside of Super, but when we know a bit more about your goals, I can go into a bit more detail around what what that might look like for you. Yeah. Just I wanna figured sort that'd be of additional phase. yeah. But I'll make sure I look after you. Anything I can do that I do yeah. Anything I can do for free or with general advice, I'll make sure I sorta help you out with as well. But, yeah, once we kinda know what your goals are, what we're looking at, and what scope the advice would be around, I can give you an outlook of what the fee structure would look like, and then you're welcome to decide whether you take it or not. Okay? Yeah.","start_word":2652,"end_word":2862,"sentiment":"neutral","sentiment_score":0.12982189655303955},{"text":"Beautiful. Easy.","start_word":2863,"end_word":2864,"sentiment":"positive","sentiment_score":0.5356272459030151},{"text":"Is there any other questions or anything else you might have for me at the moment? You're welcome to let me know if there's anything research wise you need from me. Or No. I think at the moment, that's probably everything. Yep. I guess, yeah, you can go check out the insurance side of things. Once I hear Yep. more about a settlement date, I can flick an email about that, Absolutely. then Yep. just work out everything from there.","start_word":2865,"end_word":2944,"sentiment":"neutral","sentiment_score":0.06925059109926224},{"text":"Beautiful. I like it. One step at a time, one day at a time, but you're doing really well. Fantastic. Good Get to hear you've got a got some getting things there on slowly.","start_word":2945,"end_word":2978,"sentiment":"positive","sentiment_score":0.421220064163208},{"text":"the horizon. Absolutely. Things take time. It's not a problem at all, but, no. Look.","start_word":2979,"end_word":2993,"sentiment":"neutral","sentiment_score":0.13850031197071075},{"text":"Honestly, it's really exciting opportunities ahead there for you, Nick. I'm very happy to watch you go through this and to be a part of it with Yeah. you. Beautiful. Easy. Thank you so much for your time. I hope you have a lovely day, and I'll get stuck into this research side of things for you. Awesome. Thank you very much, Seema. My pleasure, Nick. You enjoy your day. Thank you for taking my call this morning. Cheers. Thanks. See you later.","start_word":2994,"end_word":3076,"sentiment":"positive","sentiment_score":0.7713912129402161},{"text":"Bye. Bye.","start_word":3077,"end_word":3078,"sentiment":"neutral","sentiment_score":0.25123152136802673}],"average":{"sentiment":"neutral","sentiment_score":0.1686952416358832}}}}