{"metadata":{"transaction_key":"deprecated","request_id":"019fb531-70a2-7020-84a5-a6152972f076","sha256":"fd7d34eaacae763d093e91f24c2dd457eefa19f6344df1d6e78bf549e03c9cd2","created":"2026-07-30T22:42:29.494Z","duration":2283.984,"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":8886,"output_tokens":112},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":10090,"output_tokens":10109},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":10090,"output_tokens":448}},"results":{"channels":[{"alternatives":[{"transcript":"Good. Paul. Melissa from Financial. How are you going? Yeah. Good. Thanks. Have I got you at a good time so we can go through and have a bit of a chat? Amazing. Perfect. Well, before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you to confirm security for me, it's just full name, date of birth, and address. Perfect. Amazing. So the the whole point in that, I guess, why we we go through and do and we all touch bases is to to have a bit of chat with you and and be able to update you on where things are at. Whitlam did leave a note on file that you were concerned that your insurances hadn't been implemented and that you didn't have, like, a million dollars worth of cover that you Yeah. Do you know are you able to, by chance, email me the email you received? Just because I logged on last night after, like, after, like, I was I was reviewing my files for today. And when I logged on and scribble checked, and your policy is definitely sitting at over 1,000,000. It's actually sitting at 1 million or 100,000. Yep. Zurich policy. Yep. Zurich policy 91129371. Yeah. Yeah. Yep. Yep. That's the that's the same policy number. Okay. And that that's and that email was received and that that email was received recently? Yeah. So two days ago. Okay. Yeah. Fair enough. No. Yeah. Yeah. Yeah. Does it by any does it by any chance have six lines of of benefit where it says 65915 and also 7451585 as 2 different Bethan terminal. It only lists the k. So you because originally, your original policy was the $6.50. And when we increased it, what it does is it adds a second benefit. Like, it's the same benefit, but instead of combining them as one lump sum, it it splits them because your original policy has a start date of x, and then just the increase has a start date of x. It does add up to be the one one. It's not two policies. It it's it's not two premiums either. It's all falls on it it's not two premiums. It all falls under the one policy. It's just like, it's split because it has different forward it through to me. Yeah. Yep. No. They they shouldn't. It should all it should all fall on the same policy. Yeah. Because I I'm I'm looking at the letter. I've I logged on to the portal, and I can see the correspondence they send you. Because it says, like, cover type, current cover, increased cover, premium without cover increase, premium within a cover increase, cover expiry date. And it's death and terminal death and terminal illness. Our cover is 06/19 '9 $1.09, increase is $6.59 15, then CPD, and then buyback, and then it's got death and terminal illness of $4.31 $0.09 $0.08 1 and 451585. Cool. So yep. So 650,000 plus $4.51 $5.08 5 is 1.102. So that is the million Yeah. Correct. Yeah. So But there's two lines for death and terminal illness. Yeah. No. No. You're okay. Yeah. So if you were to pass away, there's two lines that are payable. Yeah. You're so fine. It's all yeah. From a back end perspective, it is added together. It's all under the it's one policy number. Yeah. That's like no. Definitely not. You are definitely yeah. You're definitely insured for the million. And, like, I I deal with claims that You definitely can. Yeah. No. Under a court of law, like, you as the consumer would definitely win. A, we've got paperwork for the increase and them approving us increasing the policy. It's just how they structure it because from a back end perspective, they wanna segment the two different dates of the policy, like, the the amount were like, at the inception of the amount because your 6 50 started no. It's not that it's more expensive. It's just no. Because what they do is from a lump sum perspective, it actually gets added together. Third line. Yeah. Oh, they can be, but yeah. I could yeah. I can definitely do that. I can quote up to see whether there's any, yeah, I can quote up to see whether there's any, like, new policy structures on the market to see whether it could we could reduce the cost, stuff like that as well. Yeah. Yeah. Yeah. No. That's Yeah. Yeah. Absolutely. Yeah. Yes. Yep. Yes. I know. They're they're painful the way they structure them. Like, from a back end like, I I agree with you. From a back end perspective, they should they should just have it segmented. And then for you as the customer, they should be combining them all to say, hey. This is what your actual payout about is. No. I'm absolutely happy to requote it. It's not something I can do on the phone with you today, but I can definitely, like, quote it, have a look, and we can schedule another time. But can I ask? Yeah. Yeah. Yeah. When you con when you contact same thing. Okay. I can how so what what I can do is I can I can go through and quote, and I can quote a few different options today? And I can email them through you today, and you can obviously have a look over the weekend. And you can email me back with like, after I call you up Income Protection and have a look at a few different options on that front, what it might look like for you, and and how that would work price wise. And we can go from there, and I can look at other insurance. Yep. So there's there's a couple there's a couple of ways. So with with premiums paid by your super fund, they are 15% cheaper than what they would be if you paid them out of pocket. With income protection, if you pay for it out of pocket, it does become tax tax deductible. But if you pay for it from your super fund, yeah. You could yeah. You don't get to yeah. So, basically, yeah, this yeah. The it's it's it ends up being cheaper if you pay for it yourself than if you pay for it through your super like, the income protection specifically because of the tax deduction, but you have to be able to obviously front the premium throughout the year to then at tax time deduct it. Yes. I can yeah. I can I can I can quote up to have a premium paid personally by you? So I can structure the premium to be yeah. I can I can structure an the income protection only? So I can write a life and total disability policy to come from your super, and the in income protection can be paid personally by you, and it can be paid yearly, monthly, installments. Yeah. Yeah. Definitely. Did you wanna look at the same amount you currently account for? Because currently, you've got the one $1.00 $2.05. Okay. Cool. So I'll quote the same amount. Yes. Alright. Perfect. No. I can definitely do that, and I can email that through to you. If you don't mind, are you okay if I sort of just run through to make sure that my records are up to date with regards to your income and stuff like that for when I'm quoting the income protection? Once I get things to load. No. You're so fine. I literally walked into the office, had had my oats and yogurt myself, and then I was just straight on the phone to you. I did the same thing this morning. Went went for went for a run, and and it was a little bit longer than it was supposed to be. Oh, absolutely. But I oh, it's it it was freezing, but I I've added a couple extra k's than what I was supposed to send. So I was running a little bit late for myself this morning. So yeah. It's it's a it's a little bit chillier for you than it is for me. Perfect. So I've I've got you I've got you on a 150,000. Is that still correct? 180? Cool. And what are what are, like, your your duties, and what are we what are we doing work wise? Cool. And we're still a 100% on the tools. Sorry. I should have probably elaborated more on what I meant. Okay. So health and safety. So what do what do our what does our, I guess, day to day while we're on-site look like? Yep. Okay. Perfect. I'll make sure they're not being silly. Amazing. Oh, always. And I grew up in that around mechanics and butchers, so I completely understand what that that looks like. Very, very similar to mine as. Now with regards to the debt, do you know what the mortgage is sitting at now? Perfect. And do you know what the house value is? And do we well, I mean, we previously had a little bit of a car loan. Have is that still current? Perfect. And then current savings that you hold? Yeah. That'll eat into it a little bit, won't it? Perfect. I tend to think we are worth no. No. That's that's beautiful. So have we put the ring on the finger, or is it still a she's got it. Amazing. Well, congratulations. Do you wanna look at updating your Next of Kin details then and list her? Yeah. Yep. Yeah. Absolutely. No. That's that's absolutely okay. Alright. We can do that. And currently, if anything were to happen, I have Xavier listed as, like, an emergency contact. Do you wanna leave it with Grace? Yep. Yep. Yes. Yeah. Yeah. Absolutely. Yes. Absolutely. So Daniella? Perfect. Alright. Well, what I can do is I can list her. I just need a mobile number for her. Someone that actually knows their partner's number. That's amazing. Yeah. Right? I've I've been married for a decade, and I don't think my husband knows my number. I know. My children no. Yeah. It's criminal. No. Yeah. I know. It's so bad. Now four inch yeah. Just just give me a second. I'll text you. Oh, I know. It yeah. That's my head in. Anyway, for insurance purposes, I just wanna confirm, has any of your health changed since 2024? No? Cool. Just so I can take that Oh, fantastic. Yes. Good luck. Dashing for the wedding. Always. We always say we're the lucky girl, but secretly absolutely. Now in terms of, I guess, goals that you're working towards, what I guess, apart from the wedding, personally, is there anything else that you have, I guess, a site set on or things that you are working on? Hi. Perfect. And I was just and what are we look are we looking at ten years? Six 60 five or okay. Okay. So 67 retirement. That's absolutely fine. So I I guess I wanna I wanna be clear just just to make sure that it is is there. You can technically retire at 60 because your superannuation becomes accessible, but, obviously, you need to fund it. 60 seven is when Centrelink becomes available. Yeah. You wanted previously, you want to make sure that you had, like, a bit of an egg a nest egg for the kids. Is that's still the case. Cool. Alright. So we wanna work on a million dollars with your fund. So what I'll do is while I'm looking at the insurance, I'll also have a look at, I guess, your superannuation fund as well to see whether maybe we take on a little bit more risk within the fund to yep. Yep. Yep. Yep. I love it. Absolutely. Yeah. He hasn't been through that. Well, do you wanna look at maybe because while high growth is obviously it is aggressive, we could take it a step further, and we could add a small portion of gearing into the fund. So gearing or leverage leverage investment is basically where you borrow to invest. Now there's two ways to do that, and I wanna before the mind starts ticking. Obviously, you can do that personally where you borrow money and then use that borrowed money to invest, or there are investment alright. It yes. Yes. You can. So, like, you can do sort of, like, what's called debt recycling. So you can take money out of your property. So, like, equity out of your property and use that to invest. And, you know, it can become a tax deductible and so on and so forth. But what you can all do is inside an investment specific investment options is the actual investment manager will go and borrow money on your behalf to then leverage and invest. They'll have your cash as basically the the the asset that it's it's leveraged against, and they basically and it could be it can be geared between a 120 to a 180%. The risks are obviously because you're putting your money in, if they lose and they lose big, you can walk away with zero. But the other option that it's much higher returns when it returns because you've got the leverage in there. They borrowed money for you. But you don't obviously have, you know, as a as a a benefit is you don't you haven't physically taken the loan out, so you're not going to end up with, like, negative you just basically walk away with zero and not, you know, a loan amount. Yeah. So so there's two options. There is where you borrow money against your property, and that is basically called recycling or or leveraged investments because you leverage it against your property. There's the other one where there are specific geared assets, and they internally gear. So you basically you give, say, a $100 to the asset, to the stock, or the the the security, the ETF, whatever you wanna sort of call it. Same thing. And what that asset does is they go to an a lender. They borrow money. So let's just say it's geared to a 150%. So on a $100, they'll end up getting $50. And then they invest that 150, the 100 UKs, and the fifty day borrowed. They invest that into the into the market, and it does its thing, and you get your return. The downside is is when it goes down, you've got a $150 in there, and you still have a loan that you have to repay. But because it's internally within the fund, if it loses and you say have a a negative return and you still have to repay the $50, your, like, poll is not having to pay that $50 out of his personal cash because it's all quarantined within that month. Not not through your super fund. It's all quarantined in your super fund. If you wanna go with option one where you take money out against your house personally and you still have to service that loan personally, and then we invest, the risk is is that if the investment does have a negative year here, you still have to service that loan taken against your house. And that's where the biggest risk with with it's called debt recycling. That's where that biggest risk comes from. When you physically take out a personal loan against your personal name or against the personal asset, that that that's the bigger risk for that side. Yep. It wouldn't be, I guess, it wouldn't be into your super fund. It would be into a personally owned investment account. You wouldn't put it into your super fund, but, like, I I can structure I can help you structure a debt recycling. I can help you structure an investment account. I can help you, you know, set up investments within that account. I I can give you debt recycling advice. That's exactly what that is, where you take so I can help you with that that strategy and show you what it looks like. It does take a little bit of time for me to draw up. Doing wrong. It's not something I can turn around in a day. That's that's the better. You you do get the the interest becomes a deduction. Yes. Fair. Yes. Yeah. You do everything. Yeah. Absolutely. Yeah. And so when so it's it's Mia that's still under 18? Okay. Yeah. Yeah. Yeah. Because that it's that serviceability. Okay. Alright. Well, it's something you can definitely sell back to in, say, six months. Oh, so 12 12 to eighteen months. Yep. So option two is basically an internally geared asset that I can put into your super fund. So it increases the risk. Because currently, you are a high growth, which means that basically 90% like, 90 to 95 of your of your funds are invested on the market and the investments for growth oriented funds. What would happen here is it would increase to basically over a 100% because you have, like, you the asset itself that I would recommend, whatever that is when I research, would borrow money and would gear. So you you would instead of having 95% invested having yeah. No. It it's it's cash. It's cash it's cash equity. So because you basically, let's just say we put $10 into that specific asset. So you know how you have all the different assets in your super fund. Each of them have a percentage that you're invested in. What we would do is we take some of the some of the money that's sitting in some of those assets. We could pull it out, pop it into what this new, like, geared asset or couple of these different geared assets, have a look. And what would happen is you have a cash asset that goes away to that provider, and that provider would then borrow money and go from there. Obviously, it's not a 100% of borrowing 50. It's more like a 100,000,000 and they're borrowing 50,000,000 because your money is the only money in that pool. But that's sort of the mechanics of it. Nope. One and 2. No. It's basically it's basically option. It's one and two. So you can do it personally. Personally, it can either be leveraged against you as an individual, your income, or you can do it against your house. I don't recommend you do it against you as an as an individual, purely and simply because the interest rate becomes a higher when you don't secure it against asset, whereas with an asset, you can secure it for your your your home repaying percentage, or you basically do it with an internally geared asset. Yeah. Well, I can what I'll do is I'll insurance research will be sent out through you today. It's afternoon because I have a few hours around lunchtime, and I should be able to knock it out. And then what I'll do is I'll send you a few a little bit more information on, like, internally geared assets. So that way, you can have a chat with the fiance. And and, yeah, you could just book an email to me. Yeah. Yeah. Yeah. Definitely. Yeah. They're they're going okay. They just don't have strong growth. Yep. Yeah. I am happy with where where they're invested. I have no no, I guess, great concerns. But we could definitely look at gearing, and I can I'll send you through some information. You can have us sort of think about it, and then I can if you wanna go ahead, I can draw up some, like, different portfolio options and and obviously do my research on the back end and then send you through recommendations from there and pull through. Yes. Larissa. No. Absolutely. My pleasure. No. Well, I'll I'll send you an email with, like, a a bit of a, like, an annual review pack. That way, you have extra information. But I'll just include I'll just include that with like, I'll send it at the same time that I send all the information. Yes. Send it through the beneficiary form already written into my notes. So I'll send that through. Are you happy if I email that to you, or would you prefer it posted? Email? Cool. Perfect. I'll I'll send that through. I'll send through both of them. I'll send through to Zurich, and I'll send through the help one. That way, you have both of them. Obviously, if we move away from Zurich, it'll have to be a new new one, but I'll send them through today anyway. Yeah. You too. Thanks, Paul. 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Paul. Melissa from Financial. How are you going? Yeah.\n\nGood. Thanks. Have I got you at a good time so we can go through and have a bit of a chat? Amazing. Perfect.\n\nWell, before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you to confirm security for me, it's just full name, date of birth, and address. Perfect. Amazing. So the the whole point in that, I guess, why we we go through and do and we all touch bases is to to have a bit of chat with you and and be able to update you on where things are at.\n\nWhitlam did leave a note on file that you were concerned that your insurances hadn't been implemented and that you didn't have, like, a million dollars worth of cover that you Yeah. Do you know are you able to, by chance, email me the email you received? Just because I logged on last night after, like, after, like, I was I was reviewing my files for today. And when I logged on and scribble checked, and your policy is definitely sitting at over 1,000,000. It's actually sitting at 1 million or 100,000.\n\nYep. Zurich policy. Yep. Zurich policy 91129371. Yeah.\n\nYeah. Yep. Yep. That's the that's the same policy number. Okay.\n\nAnd that that's and that email was received and that that email was received recently? Yeah. So two days ago. Okay. Yeah.\n\nFair enough. No. Yeah. Yeah. Yeah.\n\nDoes it by any does it by any chance have six lines of of benefit where it says 65915 and also 7451585 as 2 different Bethan terminal. It only lists the k. So you because originally, your original policy was the $6.50. And when we increased it, what it does is it adds a second benefit. Like, it's the same benefit, but instead of combining them as one lump sum, it it splits them because your original policy has a start date of x, and then just the increase has a start date of x.\n\nIt does add up to be the one one. It's not two policies. It it's it's not two premiums either. It's all falls on it it's not two premiums. It all falls under the one policy.\n\nIt's just like, it's split because it has different forward it through to me. Yeah. Yep. No. They they shouldn't.\n\nIt should all it should all fall on the same policy. Yeah. Because I I'm I'm looking at the letter. I've I logged on to the portal, and I can see the correspondence they send you. Because it says, like, cover type, current cover, increased cover, premium without cover increase, premium within a cover increase, cover expiry date.\n\nAnd it's death and terminal death and terminal illness. Our cover is 06/19 '9 $1.09, increase is $6.59 15, then CPD, and then buyback, and then it's got death and terminal illness of $4.31 $0.09 $0.08 1 and 451585. Cool. So yep. So 650,000 plus $4.51 $5.08 5 is 1.102.\n\nSo that is the million Yeah. Correct. Yeah. So But there's two lines for death and terminal illness. Yeah.\n\nNo. No. You're okay. Yeah. So if you were to pass away, there's two lines that are payable.\n\nYeah. You're so fine. It's all yeah. From a back end perspective, it is added together. It's all under the it's one policy number.\n\nYeah. That's like no. Definitely not. You are definitely yeah. You're definitely insured for the million.\n\nAnd, like, I I deal with claims that You definitely can. Yeah. No. Under a court of law, like, you as the consumer would definitely win. A, we've got paperwork for the increase and them approving us increasing the policy.\n\nIt's just how they structure it because from a back end perspective, they wanna segment the two different dates of the policy, like, the the amount were like, at the inception of the amount because your 6 50 started no. It's not that it's more expensive. It's just no. Because what they do is from a lump sum perspective, it actually gets added together. Third line.\n\nYeah. Oh, they can be, but yeah. I could yeah. I can definitely do that. I can quote up to see whether there's any, yeah, I can quote up to see whether there's any, like, new policy structures on the market to see whether it could we could reduce the cost, stuff like that as well.\n\nYeah. Yeah. Yeah. No. That's Yeah.\n\nYeah. Absolutely. Yeah. Yes. Yep.\n\nYes. I know. They're they're painful the way they structure them. Like, from a back end like, I I agree with you. From a back end perspective, they should they should just have it segmented.\n\nAnd then for you as the customer, they should be combining them all to say, hey. This is what your actual payout about is. No. I'm absolutely happy to requote it. It's not something I can do on the phone with you today, but I can definitely, like, quote it, have a look, and we can schedule another time.\n\nBut can I ask? Yeah. Yeah. Yeah. When you con when you contact same thing.\n\nOkay. I can how so what what I can do is I can I can go through and quote, and I can quote a few different options today? And I can email them through you today, and you can obviously have a look over the weekend. And you can email me back with like, after I call you up Income Protection and have a look at a few different options on that front, what it might look like for you, and and how that would work price wise. And we can go from there, and I can look at other insurance.\n\nYep. So there's there's a couple there's a couple of ways. So with with premiums paid by your super fund, they are 15% cheaper than what they would be if you paid them out of pocket. With income protection, if you pay for it out of pocket, it does become tax tax deductible. But if you pay for it from your super fund, yeah.\n\nYou could yeah. You don't get to yeah. So, basically, yeah, this yeah. The it's it's it ends up being cheaper if you pay for it yourself than if you pay for it through your super like, the income protection specifically because of the tax deduction, but you have to be able to obviously front the premium throughout the year to then at tax time deduct it. Yes.\n\nI can yeah. I can I can I can quote up to have a premium paid personally by you? So I can structure the premium to be yeah. I can I can structure an the income protection only? So I can write a life and total disability policy to come from your super, and the in income protection can be paid personally by you, and it can be paid yearly, monthly, installments.\n\nYeah. Yeah. Definitely. Did you wanna look at the same amount you currently account for? Because currently, you've got the one $1.00 $2.05.\n\nOkay. Cool. So I'll quote the same amount. Yes. Alright.\n\nPerfect. No. I can definitely do that, and I can email that through to you. If you don't mind, are you okay if I sort of just run through to make sure that my records are up to date with regards to your income and stuff like that for when I'm quoting the income protection? Once I get things to load.\n\nNo. You're so fine. I literally walked into the office, had had my oats and yogurt myself, and then I was just straight on the phone to you. I did the same thing this morning. Went went for went for a run, and and it was a little bit longer than it was supposed to be.\n\nOh, absolutely. But I oh, it's it it was freezing, but I I've added a couple extra k's than what I was supposed to send. So I was running a little bit late for myself this morning. So yeah. It's it's a it's a little bit chillier for you than it is for me.\n\nPerfect. So I've I've got you I've got you on a 150,000. Is that still correct? 180? Cool.\n\nAnd what are what are, like, your your duties, and what are we what are we doing work wise? Cool. And we're still a 100% on the tools. Sorry. I should have probably elaborated more on what I meant.\n\nOkay. So health and safety. So what do what do our what does our, I guess, day to day while we're on-site look like? Yep. Okay.\n\nPerfect. I'll make sure they're not being silly. Amazing. Oh, always. And I grew up in that around mechanics and butchers, so I completely understand what that that looks like.\n\nVery, very similar to mine as. Now with regards to the debt, do you know what the mortgage is sitting at now? Perfect. And do you know what the house value is? And do we well, I mean, we previously had a little bit of a car loan.\n\nHave is that still current? Perfect. And then current savings that you hold? Yeah. That'll eat into it a little bit, won't it?\n\nPerfect. I tend to think we are worth no. No. That's that's beautiful. So have we put the ring on the finger, or is it still a she's got it.\n\nAmazing. Well, congratulations. Do you wanna look at updating your Next of Kin details then and list her? Yeah. Yep.\n\nYeah. Absolutely. No. That's that's absolutely okay. Alright.\n\nWe can do that. And currently, if anything were to happen, I have Xavier listed as, like, an emergency contact. Do you wanna leave it with Grace? Yep. Yep.\n\nYes. Yeah. Yeah. Absolutely. Yes.\n\nAbsolutely. So Daniella? Perfect. Alright. Well, what I can do is I can list her.\n\nI just need a mobile number for her. Someone that actually knows their partner's number. That's amazing. Yeah. Right?\n\nI've I've been married for a decade, and I don't think my husband knows my number. I know. My children no. Yeah. It's criminal.\n\nNo. Yeah. I know. It's so bad. Now four inch yeah.\n\nJust just give me a second. I'll text you. Oh, I know. It yeah. That's my head in.\n\nAnyway, for insurance purposes, I just wanna confirm, has any of your health changed since 2024? No? Cool. Just so I can take that Oh, fantastic. Yes.\n\nGood luck. Dashing for the wedding. Always. We always say we're the lucky girl, but secretly absolutely. Now in terms of, I guess, goals that you're working towards, what I guess, apart from the wedding, personally, is there anything else that you have, I guess, a site set on or things that you are working on?\n\nHi. Perfect. And I was just and what are we look are we looking at ten years? Six 60 five or okay. Okay.\n\nSo 67 retirement. That's absolutely fine. So I I guess I wanna I wanna be clear just just to make sure that it is is there. You can technically retire at 60 because your superannuation becomes accessible, but, obviously, you need to fund it. 60 seven is when Centrelink becomes available.\n\nYeah. You wanted previously, you want to make sure that you had, like, a bit of an egg a nest egg for the kids. Is that's still the case. Cool. Alright.\n\nSo we wanna work on a million dollars with your fund. So what I'll do is while I'm looking at the insurance, I'll also have a look at, I guess, your superannuation fund as well to see whether maybe we take on a little bit more risk within the fund to yep. Yep. Yep. Yep.\n\nI love it. Absolutely. Yeah. He hasn't been through that. Well, do you wanna look at maybe because while high growth is obviously it is aggressive, we could take it a step further, and we could add a small portion of gearing into the fund.\n\nSo gearing or leverage leverage investment is basically where you borrow to invest. Now there's two ways to do that, and I wanna before the mind starts ticking. Obviously, you can do that personally where you borrow money and then use that borrowed money to invest, or there are investment alright. It yes. Yes.\n\nYou can. So, like, you can do sort of, like, what's called debt recycling. So you can take money out of your property. So, like, equity out of your property and use that to invest. And, you know, it can become a tax deductible and so on and so forth.\n\nBut what you can all do is inside an investment specific investment options is the actual investment manager will go and borrow money on your behalf to then leverage and invest. They'll have your cash as basically the the the asset that it's it's leveraged against, and they basically and it could be it can be geared between a 120 to a 180%. The risks are obviously because you're putting your money in, if they lose and they lose big, you can walk away with zero. But the other option that it's much higher returns when it returns because you've got the leverage in there. They borrowed money for you.\n\nBut you don't obviously have, you know, as a as a a benefit is you don't you haven't physically taken the loan out, so you're not going to end up with, like, negative you just basically walk away with zero and not, you know, a loan amount. Yeah. So so there's two options. There is where you borrow money against your property, and that is basically called recycling or or leveraged investments because you leverage it against your property. There's the other one where there are specific geared assets, and they internally gear.\n\nSo you basically you give, say, a $100 to the asset, to the stock, or the the the security, the ETF, whatever you wanna sort of call it. Same thing. And what that asset does is they go to an a lender. They borrow money. So let's just say it's geared to a 150%.\n\nSo on a $100, they'll end up getting $50. And then they invest that 150, the 100 UKs, and the fifty day borrowed. They invest that into the into the market, and it does its thing, and you get your return. The downside is is when it goes down, you've got a $150 in there, and you still have a loan that you have to repay. But because it's internally within the fund, if it loses and you say have a a negative return and you still have to repay the $50, your, like, poll is not having to pay that $50 out of his personal cash because it's all quarantined within that month.\n\nNot not through your super fund. It's all quarantined in your super fund. If you wanna go with option one where you take money out against your house personally and you still have to service that loan personally, and then we invest, the risk is is that if the investment does have a negative year here, you still have to service that loan taken against your house. And that's where the biggest risk with with it's called debt recycling. That's where that biggest risk comes from.\n\nWhen you physically take out a personal loan against your personal name or against the personal asset, that that that's the bigger risk for that side. Yep. It wouldn't be, I guess, it wouldn't be into your super fund. It would be into a personally owned investment account. You wouldn't put it into your super fund, but, like, I I can structure I can help you structure a debt recycling.\n\nI can help you structure an investment account. I can help you, you know, set up investments within that account. I I can give you debt recycling advice. That's exactly what that is, where you take so I can help you with that that strategy and show you what it looks like. It does take a little bit of time for me to draw up.\n\nDoing wrong. It's not something I can turn around in a day. That's that's the better. You you do get the the interest becomes a deduction. Yes.\n\nFair. Yes. Yeah. You do everything. Yeah.\n\nAbsolutely. Yeah. And so when so it's it's Mia that's still under 18? Okay. Yeah.\n\nYeah. Yeah. Because that it's that serviceability. Okay. Alright.\n\nWell, it's something you can definitely sell back to in, say, six months. Oh, so 12 12 to eighteen months. Yep. So option two is basically an internally geared asset that I can put into your super fund. So it increases the risk.\n\nBecause currently, you are a high growth, which means that basically 90% like, 90 to 95 of your of your funds are invested on the market and the investments for growth oriented funds. What would happen here is it would increase to basically over a 100% because you have, like, you the asset itself that I would recommend, whatever that is when I research, would borrow money and would gear. So you you would instead of having 95% invested having yeah. No. It it's it's cash.\n\nIt's cash it's cash equity. So because you basically, let's just say we put $10 into that specific asset. So you know how you have all the different assets in your super fund. Each of them have a percentage that you're invested in. What we would do is we take some of the some of the money that's sitting in some of those assets.\n\nWe could pull it out, pop it into what this new, like, geared asset or couple of these different geared assets, have a look. And what would happen is you have a cash asset that goes away to that provider, and that provider would then borrow money and go from there. Obviously, it's not a 100% of borrowing 50. It's more like a 100,000,000 and they're borrowing 50,000,000 because your money is the only money in that pool. But that's sort of the mechanics of it.\n\nNope. One and 2. No. It's basically it's basically option. It's one and two.\n\nSo you can do it personally. Personally, it can either be leveraged against you as an individual, your income, or you can do it against your house. I don't recommend you do it against you as an as an individual, purely and simply because the interest rate becomes a higher when you don't secure it against asset, whereas with an asset, you can secure it for your your your home repaying percentage, or you basically do it with an internally geared asset. Yeah. Well, I can what I'll do is I'll insurance research will be sent out through you today.\n\nIt's afternoon because I have a few hours around lunchtime, and I should be able to knock it out. And then what I'll do is I'll send you a few a little bit more information on, like, internally geared assets. So that way, you can have a chat with the fiance. And and, yeah, you could just book an email to me. Yeah.\n\nYeah. Yeah. Definitely. Yeah. They're they're going okay.\n\nThey just don't have strong growth. Yep. Yeah. I am happy with where where they're invested. I have no no, I guess, great concerns.\n\nBut we could definitely look at gearing, and I can I'll send you through some information. You can have us sort of think about it, and then I can if you wanna go ahead, I can draw up some, like, different portfolio options and and obviously do my research on the back end and then send you through recommendations from there and pull through. Yes. Larissa. No.\n\nAbsolutely. My pleasure. No. Well, I'll I'll send you an email with, like, a a bit of a, like, an annual review pack. That way, you have extra information.\n\nBut I'll just include I'll just include that with like, I'll send it at the same time that I send all the information. Yes. Send it through the beneficiary form already written into my notes. So I'll send that through. Are you happy if I email that to you, or would you prefer it posted?\n\nEmail? Cool. Perfect. I'll I'll send that through. I'll send through both of them.\n\nI'll send through to Zurich, and I'll send through the help one. That way, you have both of them. Obviously, if we move away from Zurich, it'll have to be a new new one, but I'll send them through today anyway. Yeah. You too.\n\nThanks, Paul. Bye.","paragraphs":[{"sentences":[{"text":"Good.","start":3.6799998,"end":4.18,"sentiment":"positive","sentiment_score":0.38998711109161377},{"text":"Paul.","start":4.72,"end":5.12,"sentiment":"neutral","sentiment_score":0.2651539444923401},{"text":"Melissa from Financial.","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2074049562215805},{"text":"How are you going?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.20792926102876663},{"text":"Yeah.","start":9.28,"end":9.78,"sentiment":"neutral","sentiment_score":0.2411813735961914}],"sentiment":"neutral","sentiment_score":0.23502543419599534,"num_words":10,"start":3.6799998,"end":9.78},{"sentences":[{"text":"Good.","start":9.84,"end":10.34,"sentiment":"positive","sentiment_score":0.45362213253974915},{"text":"Thanks.","start":10.4,"end":10.9,"sentiment":"positive","sentiment_score":0.4968944191932678},{"text":"Have I got you at a good time so we can go through and have a bit of a chat?","start":11.92,"end":15.219999,"sentiment":"neutral","sentiment_score":0.20700056329369546},{"text":"Amazing.","start":15.965,"end":16.465,"sentiment":"positive","sentiment_score":0.6628271341323853},{"text":"Perfect.","start":17.885,"end":18.365,"sentiment":"positive","sentiment_score":0.636379063129425}],"sentiment":"neutral","sentiment_score":0.26623891728619736,"num_words":24,"start":9.84,"end":18.365},{"sentences":[{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded.","start":18.365,"end":22.205,"sentiment":"neutral","sentiment_score":0.03232899328900708},{"text":"And if I could just get you to confirm security for me, it's just full name, date of birth, and address.","start":22.205,"end":28.32,"sentiment":"neutral","sentiment_score":0.04895562137521449},{"text":"Perfect.","start":35.28,"end":35.78,"sentiment":"positive","sentiment_score":0.4922441840171814},{"text":"Amazing.","start":36.64,"end":37.14,"sentiment":"positive","sentiment_score":0.5265777111053467},{"text":"So the the whole point in that, I guess, why we we go through and do and we all touch bases is to to have a bit of chat with you and and be able to update you on where things are at.","start":38.8,"end":49.955,"sentiment":"neutral","sentiment_score":0.23705828501734622}],"sentiment":"neutral","sentiment_score":0.15264664379702436,"num_words":84,"start":18.365,"end":49.955},{"sentences":[{"text":"Whitlam did leave a note on file that you were concerned that your insurances hadn't been implemented and that you didn't have, like, a million dollars worth of cover that you Yeah.","start":50.895,"end":83.395004,"sentiment":"neutral","sentiment_score":-0.10312483424786478},{"text":"Do you know are you able to, by chance, email me the email you received?","start":97.655,"end":102.954994,"sentiment":"neutral","sentiment_score":-0.06753284657994905},{"text":"Just because I logged on last night after, like, after, like, I was I was reviewing my files for today.","start":103.575,"end":113.92,"sentiment":"neutral","sentiment_score":-0.1166811402887106},{"text":"And when I logged on and scribble checked, and your policy is definitely sitting at over 1,000,000.","start":114.14,"end":120.46,"sentiment":"neutral","sentiment_score":-0.20622866250136318},{"text":"It's actually sitting at 1 million or 100,000.","start":120.46,"end":123.52,"sentiment":"neutral","sentiment_score":-0.08916279906406999}],"sentiment":"neutral","sentiment_score":-0.11810652016783538,"num_words":92,"start":50.895,"end":123.52},{"sentences":[{"text":"Yep.","start":124.53999,"end":124.935,"sentiment":"neutral","sentiment_score":-0.017248250544071198},{"text":"Zurich policy.","start":125.174995,"end":125.915,"sentiment":"neutral","sentiment_score":-0.045005591586232185},{"text":"Yep.","start":125.975,"end":126.295,"sentiment":"neutral","sentiment_score":-0.03520149737596512},{"text":"Zurich policy 91129371.","start":126.295,"end":129.355,"sentiment":"neutral","sentiment_score":0.00744906331722935},{"text":"Yeah.","start":136.61499,"end":137.11499,"sentiment":"neutral","sentiment_score":0.11640794575214386}],"sentiment":"neutral","sentiment_score":-0.00046322442358359694,"num_words":8,"start":124.53999,"end":137.11499},{"sentences":[{"text":"Yeah.","start":148.49,"end":148.99,"sentiment":"neutral","sentiment_score":-0.016341935843229294},{"text":"Yep.","start":154.305,"end":154.805,"sentiment":"neutral","sentiment_score":-0.0020570112392306328},{"text":"Yep.","start":160.78499,"end":161.265,"sentiment":"neutral","sentiment_score":-0.006929205264896154},{"text":"That's the that's the same policy number.","start":161.265,"end":164.08499,"sentiment":"neutral","sentiment_score":-0.09829928619521004},{"text":"Okay.","start":180.495,"end":180.995,"sentiment":"neutral","sentiment_score":-0.05379487946629524}],"sentiment":"neutral","sentiment_score":-0.06974709410728379,"num_words":11,"start":148.49,"end":180.995},{"sentences":[{"text":"And that that's and that email was received and that that email was received recently?","start":186.33499,"end":193.58,"sentiment":"neutral","sentiment_score":-0.11558307905991873},{"text":"Yeah.","start":199.24,"end":199.48001,"sentiment":"neutral","sentiment_score":0.006368018686771393},{"text":"So two days ago.","start":199.48001,"end":200.84001,"sentiment":"neutral","sentiment_score":0.004855588544160128},{"text":"Okay.","start":200.84001,"end":201.08,"sentiment":"neutral","sentiment_score":0.04735017940402031},{"text":"Yeah.","start":201.08,"end":201.40001,"sentiment":"neutral","sentiment_score":0.07037902623414993}],"sentiment":"neutral","sentiment_score":-0.07228302760896357,"num_words":22,"start":186.33499,"end":201.40001},{"sentences":[{"text":"Fair enough.","start":201.40001,"end":202.22,"sentiment":"neutral","sentiment_score":0.08146872743964195},{"text":"No.","start":202.68001,"end":203.08,"sentiment":"neutral","sentiment_score":-0.02776792272925377},{"text":"Yeah.","start":203.08,"end":203.58,"sentiment":"neutral","sentiment_score":0.02778716571629047},{"text":"Yeah.","start":217.535,"end":218.035,"sentiment":"negative","sentiment_score":-0.4506477117538452},{"text":"Yeah.","start":228.73999,"end":229.23999,"sentiment":"neutral","sentiment_score":-0.33082616329193115}],"sentiment":"neutral","sentiment_score":-0.10308619619657595,"num_words":6,"start":201.40001,"end":229.23999},{"sentences":[{"text":"Does it by any does it by any chance have six lines of of benefit where it says 65915 and also 7451585 as 2 different Bethan terminal.","start":238.555,"end":253.79,"sentiment":"neutral","sentiment_score":-0.007021379605349567},{"text":"It only lists the k.","start":255.93,"end":259.21,"sentiment":"neutral","sentiment_score":0.008648030087351799},{"text":"So you because originally, your original policy was the $6.50.","start":259.21,"end":263.63,"sentiment":"neutral","sentiment_score":0.015886400267481803},{"text":"And when we increased it, what it does is it adds a second benefit.","start":263.805,"end":268.205,"sentiment":"neutral","sentiment_score":0.11949414826397385},{"text":"Like, it's the same benefit, but instead of combining them as one lump sum, it it splits them because your original policy has a start date of x, and then just the increase has a start date of x.","start":268.205,"end":279.78,"sentiment":"neutral","sentiment_score":0.06960325334698726}],"sentiment":"neutral","sentiment_score":0.046315493263108166,"num_words":95,"start":238.555,"end":279.78},{"sentences":[{"text":"It does add up to be the one one.","start":280.98,"end":283.4,"sentiment":"neutral","sentiment_score":0.018928549562891323},{"text":"It's not two policies.","start":284.1,"end":285.38,"sentiment":"neutral","sentiment_score":-0.035838332027196884},{"text":"It it's it's not two premiums either.","start":285.38,"end":288.02,"sentiment":"neutral","sentiment_score":-0.09661062194832734},{"text":"It's all falls on it it's not two premiums.","start":288.02,"end":290.82,"sentiment":"neutral","sentiment_score":-0.08109911696778403},{"text":"It all falls under the one policy.","start":290.82,"end":292.52,"sentiment":"neutral","sentiment_score":-0.04165508944009032}],"sentiment":"neutral","sentiment_score":-0.04640967817977071,"num_words":36,"start":280.98,"end":292.52},{"sentences":[{"text":"It's just like, it's split because it has different forward it through to me.","start":292.925,"end":303.665,"sentiment":"neutral","sentiment_score":-0.12311206066182681},{"text":"Yeah.","start":311.83002,"end":312.33002,"sentiment":"neutral","sentiment_score":0.03504238277673721},{"text":"Yep.","start":330.775,"end":331.275,"sentiment":"neutral","sentiment_score":0.003557880874723196},{"text":"No.","start":342.67,"end":342.99,"sentiment":"neutral","sentiment_score":-0.10619179159402849},{"text":"They they shouldn't.","start":342.99,"end":343.79,"sentiment":"neutral","sentiment_score":-0.045424669360121094}],"sentiment":"neutral","sentiment_score":-0.09637171926442534,"num_words":20,"start":292.925,"end":343.79},{"sentences":[{"text":"It should all it should all fall on the same policy.","start":343.79,"end":347.73,"sentiment":"neutral","sentiment_score":-0.017625249922275543},{"text":"Yeah.","start":359.615,"end":360.095,"sentiment":"neutral","sentiment_score":0.1626245081424713},{"text":"Because I I'm I'm looking at the letter.","start":360.095,"end":361.615,"sentiment":"neutral","sentiment_score":0.08472198294475675},{"text":"I've I logged on to the portal, and I can see the correspondence they send you.","start":361.615,"end":364.65,"sentiment":"neutral","sentiment_score":0.05550266616046429},{"text":"Because it says, like, cover type, current cover, increased cover, premium without cover increase, premium within a cover increase, cover expiry date.","start":365.93,"end":376.03,"sentiment":"neutral","sentiment_score":0.00924314588139003}],"sentiment":"neutral","sentiment_score":0.029964042939887994,"num_words":58,"start":343.79,"end":376.03},{"sentences":[{"text":"And it's death and terminal death and terminal illness.","start":377.85,"end":380.175,"sentiment":"neutral","sentiment_score":-0.025988966640498903},{"text":"Our cover is 06/19 '9 $1.09, increase is $6.59 15, then CPD, and then buyback, and then it's got death and terminal illness of $4.31 $0.09 $0.08 1 and 451585.","start":380.57498,"end":398.0,"sentiment":"neutral","sentiment_score":0.004855131501487146},{"text":"Cool.","start":398.3,"end":398.8,"sentiment":"positive","sentiment_score":0.42393019795417786},{"text":"So yep.","start":399.9,"end":408.72,"sentiment":"neutral","sentiment_score":-0.019260892062447965},{"text":"So 650,000 plus $4.51 $5.08 5 is 1.102.","start":410.285,"end":418.785,"sentiment":"neutral","sentiment_score":-0.0030700219504069537}],"sentiment":"neutral","sentiment_score":0.005452029670123011,"num_words":50,"start":377.85,"end":418.785},{"sentences":[{"text":"So that is the million Yeah.","start":420.045,"end":429.15,"sentiment":"neutral","sentiment_score":-0.01283898934101065},{"text":"Correct.","start":429.15,"end":429.65,"sentiment":"neutral","sentiment_score":0.00575588084757328},{"text":"Yeah.","start":429.71,"end":429.95,"sentiment":"neutral","sentiment_score":-0.004737972281873226},{"text":"So But there's two lines for death and terminal illness.","start":429.95,"end":439.855,"sentiment":"neutral","sentiment_score":-0.053944697789847854},{"text":"Yeah.","start":442.155,"end":442.655,"sentiment":"neutral","sentiment_score":-0.03170394524931908}],"sentiment":"neutral","sentiment_score":-0.03406141845411376,"num_words":19,"start":420.045,"end":442.655},{"sentences":[{"text":"No.","start":442.795,"end":443.035,"sentiment":"neutral","sentiment_score":-0.07132957130670547},{"text":"No.","start":443.035,"end":443.27502,"sentiment":"neutral","sentiment_score":-0.07963530719280243},{"text":"You're okay.","start":443.27502,"end":444.015,"sentiment":"neutral","sentiment_score":-0.03314426587894559},{"text":"Yeah.","start":444.23502,"end":444.73502,"sentiment":"neutral","sentiment_score":-0.006765546277165413},{"text":"So if you were to pass away, there's two lines that are payable.","start":445.035,"end":449.215,"sentiment":"neutral","sentiment_score":-0.029018682069503345}],"sentiment":"neutral","sentiment_score":-0.033403434635450445,"num_words":18,"start":442.795,"end":449.215},{"sentences":[{"text":"Yeah.","start":450.715,"end":451.215,"sentiment":"neutral","sentiment_score":-0.011910667642951012},{"text":"You're so fine.","start":452.2,"end":453.41998,"sentiment":"neutral","sentiment_score":0.07493803091347218},{"text":"It's all yeah.","start":461.4,"end":463.4,"sentiment":"neutral","sentiment_score":0.04364890232682228},{"text":"From a back end perspective, it is added together.","start":463.4,"end":465.74,"sentiment":"neutral","sentiment_score":0.03480266117387348},{"text":"It's all under the it's one policy number.","start":466.83502,"end":470.93503,"sentiment":"neutral","sentiment_score":0.004717350515420549}],"sentiment":"neutral","sentiment_score":0.028950536948589917,"num_words":24,"start":450.715,"end":470.93503},{"sentences":[{"text":"Yeah.","start":485.47998,"end":485.97998,"sentiment":"neutral","sentiment_score":-0.02890997938811779},{"text":"That's like no.","start":499.855,"end":500.575,"sentiment":"neutral","sentiment_score":-0.3131598432858785},{"text":"Definitely not.","start":500.575,"end":501.215,"sentiment":"negative","sentiment_score":-0.42995843291282654},{"text":"You are definitely yeah.","start":501.215,"end":502.975,"sentiment":"neutral","sentiment_score":-0.16398192755877972},{"text":"You're definitely insured for the million.","start":502.975,"end":504.675,"sentiment":"neutral","sentiment_score":-0.0972214974462986}],"sentiment":"neutral","sentiment_score":-0.1917226918740198,"num_words":16,"start":485.47998,"end":504.675},{"sentences":[{"text":"And, like, I I deal with claims that You definitely can.","start":505.73,"end":524.135,"sentiment":"neutral","sentiment_score":-0.12114922905510123},{"text":"Yeah.","start":525.79504,"end":526.115,"sentiment":"neutral","sentiment_score":-0.06929691135883331},{"text":"No.","start":526.115,"end":526.35504,"sentiment":"neutral","sentiment_score":-0.11276131868362428},{"text":"Under a court of law, like, you as the consumer would definitely win.","start":526.35504,"end":529.815,"sentiment":"neutral","sentiment_score":0.04891752308377853},{"text":"A, we've got paperwork for the increase and them approving us increasing the policy.","start":530.42,"end":536.04,"sentiment":"neutral","sentiment_score":0.01652088076142328}],"sentiment":"neutral","sentiment_score":-0.016186990472488106,"num_words":40,"start":505.73,"end":536.04},{"sentences":[{"text":"It's just how they structure it because from a back end perspective, they wanna segment the two different dates of the policy, like, the the amount were like, at the inception of the amount because your 6 50 started no.","start":536.26,"end":551.415,"sentiment":"neutral","sentiment_score":0.0012641795678064228},{"text":"It's not that it's more expensive.","start":551.415,"end":552.615,"sentiment":"neutral","sentiment_score":-0.23816523452599844},{"text":"It's just no.","start":552.615,"end":555.035,"sentiment":"neutral","sentiment_score":-0.17535318930943808},{"text":"Because what they do is from a lump sum perspective, it actually gets added together.","start":555.095,"end":558.66,"sentiment":"neutral","sentiment_score":-0.08145539959271748},{"text":"Third line.","start":572.03503,"end":583.495,"sentiment":"neutral","sentiment_score":-0.07176792621612549}],"sentiment":"neutral","sentiment_score":-0.04954319149537972,"num_words":66,"start":536.26,"end":583.495},{"sentences":[{"text":"Yeah.","start":593.67,"end":594.14996,"sentiment":"neutral","sentiment_score":-0.14172039926052094},{"text":"Oh, they can be, but yeah.","start":594.14996,"end":605.125,"sentiment":"neutral","sentiment_score":-0.15146482239166895},{"text":"I could yeah.","start":605.125,"end":607.365,"sentiment":"neutral","sentiment_score":0.19149094820022583},{"text":"I can definitely do that.","start":607.365,"end":608.40497,"sentiment":"neutral","sentiment_score":0.07624301910400391},{"text":"I can quote up to see whether there's any, yeah, I can quote up to see whether there's any, like, new policy structures on the market to see whether it could we could reduce the cost, stuff like that as well.","start":608.40497,"end":620.35004,"sentiment":"neutral","sentiment_score":0.12664717026963468}],"sentiment":"neutral","sentiment_score":0.09103058192080685,"num_words":56,"start":593.67,"end":620.35004},{"sentences":[{"text":"Yeah.","start":623.45,"end":623.95,"sentiment":"neutral","sentiment_score":-0.1625920683145523},{"text":"Yeah.","start":625.13,"end":625.545,"sentiment":"neutral","sentiment_score":-0.05618445575237274},{"text":"Yeah.","start":631.545,"end":631.865,"sentiment":"neutral","sentiment_score":-0.09853306412696838},{"text":"No.","start":631.865,"end":632.185,"sentiment":"neutral","sentiment_score":-0.1826491355895996},{"text":"That's Yeah.","start":632.185,"end":654.05005,"sentiment":"neutral","sentiment_score":-0.10914956871420144}],"sentiment":"neutral","sentiment_score":-0.11970964353531599,"num_words":6,"start":623.45,"end":654.05005},{"sentences":[{"text":"Yeah.","start":654.05005,"end":654.37006,"sentiment":"neutral","sentiment_score":0.01028612069785595},{"text":"Absolutely.","start":654.37006,"end":654.87006,"sentiment":"neutral","sentiment_score":0.06416855752468109},{"text":"Yeah.","start":656.21,"end":656.505,"sentiment":"neutral","sentiment_score":0.007149967830628157},{"text":"Yes.","start":664.105,"end":664.605,"sentiment":"neutral","sentiment_score":-0.007498737424612045},{"text":"Yep.","start":670.68,"end":671.18,"sentiment":"neutral","sentiment_score":-0.025061791762709618}],"sentiment":"neutral","sentiment_score":0.009808823373168707,"num_words":5,"start":654.05005,"end":671.18},{"sentences":[{"text":"Yes.","start":673.88,"end":674.38,"sentiment":"neutral","sentiment_score":-0.024219049140810966},{"text":"I know.","start":678.04004,"end":678.68,"sentiment":"neutral","sentiment_score":-0.30912595987319946},{"text":"They're they're painful the way they structure them.","start":678.68,"end":680.94,"sentiment":"neutral","sentiment_score":-0.30987657979130745},{"text":"Like, from a back end like, I I agree with you.","start":682.52496,"end":684.285,"sentiment":"neutral","sentiment_score":-0.03734411400827495},{"text":"From a back end perspective, they should they should just have it segmented.","start":684.285,"end":687.345,"sentiment":"neutral","sentiment_score":-0.01190563549215977}],"sentiment":"neutral","sentiment_score":-0.10534406064876488,"num_words":35,"start":673.88,"end":687.345},{"sentences":[{"text":"And then for you as the customer, they should be combining them all to say, hey.","start":687.40497,"end":691.40497,"sentiment":"neutral","sentiment_score":0.020244649844244123},{"text":"This is what your actual payout about is.","start":691.40497,"end":693.265,"sentiment":"neutral","sentiment_score":-0.06592869106680155},{"text":"No.","start":703.55,"end":703.95,"sentiment":"neutral","sentiment_score":-0.1654977649450302},{"text":"I'm absolutely happy to requote it.","start":703.95,"end":707.17,"sentiment":"neutral","sentiment_score":0.18671407426397005},{"text":"It's not something I can do on the phone with you today, but I can definitely, like, quote it, have a look, and we can schedule another time.","start":707.55,"end":713.775,"sentiment":"neutral","sentiment_score":0.04440328046413405}],"sentiment":"neutral","sentiment_score":0.03380615936623792,"num_words":59,"start":687.40497,"end":713.775},{"sentences":[{"text":"But can I ask?","start":715.11505,"end":716.335,"sentiment":"neutral","sentiment_score":-0.06547032110393047},{"text":"Yeah.","start":719.755,"end":720.255,"sentiment":"neutral","sentiment_score":-0.000450795894721523},{"text":"Yeah.","start":736.03,"end":736.53,"sentiment":"neutral","sentiment_score":-0.0078104957938194275},{"text":"Yeah.","start":737.07,"end":737.47003,"sentiment":"neutral","sentiment_score":-0.00182133074849844},{"text":"When you con when you contact same thing.","start":737.47003,"end":740.695,"sentiment":"neutral","sentiment_score":-0.045202283770777285}],"sentiment":"neutral","sentiment_score":-0.042238811801265305,"num_words":15,"start":715.11505,"end":740.695},{"sentences":[{"text":"Okay.","start":769.095,"end":769.595,"sentiment":"neutral","sentiment_score":0.04869525879621506},{"text":"I can how so what what I can do is I can I can go through and quote, and I can quote a few different options today?","start":769.65497,"end":779.415,"sentiment":"neutral","sentiment_score":0.23499749600887299},{"text":"And I can email them through you today, and you can obviously have a look over the weekend.","start":779.415,"end":783.0,"sentiment":"neutral","sentiment_score":0.3035395137137837},{"text":"And you can email me back with like, after I call you up Income Protection and have a look at a few different options on that front, what it might look like for you, and and how that would work price wise.","start":783.64,"end":795.58,"sentiment":"neutral","sentiment_score":0.28053954279138926},{"text":"And we can go from there, and I can look at other insurance.","start":797.10504,"end":799.685,"sentiment":"neutral","sentiment_score":0.1117971447797922}],"sentiment":"neutral","sentiment_score":0.2484491344283123,"num_words":101,"start":769.095,"end":799.685},{"sentences":[{"text":"Yep.","start":815.63,"end":815.87,"sentiment":"neutral","sentiment_score":0.24393302202224731},{"text":"So there's there's a couple there's a couple of ways.","start":815.87,"end":819.17,"sentiment":"neutral","sentiment_score":0.11001666476950049},{"text":"So with with premiums paid by your super fund, they are 15% cheaper than what they would be if you paid them out of pocket.","start":819.47,"end":828.975,"sentiment":"positive","sentiment_score":0.4716568350791931},{"text":"With income protection, if you pay for it out of pocket, it does become tax tax deductible.","start":829.675,"end":835.615,"sentiment":"neutral","sentiment_score":0.3270583994248334},{"text":"But if you pay for it from your super fund, yeah.","start":836.71497,"end":839.99,"sentiment":"neutral","sentiment_score":0.12020146033980629}],"sentiment":"neutral","sentiment_score":0.31277702188526746,"num_words":64,"start":815.63,"end":839.99},{"sentences":[{"text":"You could yeah.","start":839.99,"end":840.71,"sentiment":"neutral","sentiment_score":0.05717126404245695},{"text":"You don't get to yeah.","start":840.71,"end":846.07,"sentiment":"neutral","sentiment_score":-0.05922923982143402},{"text":"So, basically, yeah, this yeah.","start":846.07,"end":848.87,"sentiment":"neutral","sentiment_score":0.06610893830657005},{"text":"The it's it's it ends up being cheaper if you pay for it yourself than if you pay for it through your super like, the income protection specifically because of the tax deduction, but you have to be able to obviously front the premium throughout the year to then at tax time deduct it.","start":848.87,"end":871.56,"sentiment":"neutral","sentiment_score":0.15929225935704178},{"text":"Yes.","start":877.46,"end":877.96,"sentiment":"neutral","sentiment_score":-0.05830815061926842}],"sentiment":"neutral","sentiment_score":0.12866744322373586,"num_words":68,"start":839.99,"end":877.96},{"sentences":[{"text":"I can yeah.","start":878.02,"end":885.745,"sentiment":"neutral","sentiment_score":-0.08594190577665965},{"text":"I can I can I can quote up to have a premium paid personally by you?","start":885.745,"end":892.5,"sentiment":"neutral","sentiment_score":0.01838791521731764},{"text":"So I can structure the premium to be yeah.","start":892.66,"end":895.06,"sentiment":"neutral","sentiment_score":0.025713259147273168},{"text":"I can I can structure an the income protection only?","start":895.06,"end":897.54,"sentiment":"neutral","sentiment_score":0.036851752735674384},{"text":"So I can write a life and total disability policy to come from your super, and the in income protection can be paid personally by you, and it can be paid yearly, monthly, installments.","start":897.54,"end":910.705,"sentiment":"neutral","sentiment_score":0.06943967061884262}],"sentiment":"neutral","sentiment_score":0.04162870259541604,"num_words":72,"start":878.02,"end":910.705},{"sentences":[{"text":"Yeah.","start":917.885,"end":918.385,"sentiment":"neutral","sentiment_score":0.1085173487663269},{"text":"Yeah.","start":918.84503,"end":919.34503,"sentiment":"neutral","sentiment_score":0.17497673630714417},{"text":"Definitely.","start":920.45,"end":920.95,"sentiment":"neutral","sentiment_score":0.21908533573150635},{"text":"Did you wanna look at the same amount you currently account for?","start":921.25,"end":924.93,"sentiment":"neutral","sentiment_score":0.04651730383435885},{"text":"Because currently, you've got the one $1.00 $2.05.","start":924.93,"end":928.31,"sentiment":"neutral","sentiment_score":0.020783430023584515}],"sentiment":"neutral","sentiment_score":0.05335019595678086,"num_words":23,"start":917.885,"end":928.31},{"sentences":[{"text":"Okay.","start":928.53,"end":929.03,"sentiment":"neutral","sentiment_score":0.0771494060754776},{"text":"Cool.","start":929.49,"end":929.65,"sentiment":"positive","sentiment_score":0.5526576638221741},{"text":"So I'll quote the same amount.","start":929.65,"end":931.03,"sentiment":"neutral","sentiment_score":0.17158368974924088},{"text":"Yes.","start":935.49,"end":935.865,"sentiment":"neutral","sentiment_score":0.2703038454055786},{"text":"Alright.","start":936.105,"end":936.345,"sentiment":"positive","sentiment_score":0.43189582228660583}],"sentiment":"neutral","sentiment_score":0.23615088760852815,"num_words":10,"start":928.53,"end":936.345},{"sentences":[{"text":"Perfect.","start":936.345,"end":936.745,"sentiment":"positive","sentiment_score":0.6290199160575867},{"text":"No.","start":936.745,"end":936.825,"sentiment":"neutral","sentiment_score":0.2978273034095764},{"text":"I can definitely do that, and I can email that through to you.","start":936.825,"end":939.885,"sentiment":"positive","sentiment_score":0.45542345826442426},{"text":"If you don't mind, are you okay if I sort of just run through to make sure that my records are up to date with regards to your income and stuff like that for when I'm quoting the income protection?","start":940.425,"end":948.765,"sentiment":"neutral","sentiment_score":0.11548498338088393},{"text":"Once I get things to load.","start":953.1,"end":954.56,"sentiment":"neutral","sentiment_score":0.037573352456092834}],"sentiment":"neutral","sentiment_score":0.1916752725717474,"num_words":61,"start":936.345,"end":954.56},{"sentences":[{"text":"No.","start":966.98505,"end":967.465,"sentiment":"neutral","sentiment_score":-0.047728054225444794},{"text":"You're so fine.","start":967.465,"end":968.34503,"sentiment":"neutral","sentiment_score":0.06928824633359909},{"text":"I literally walked into the office, had had my oats and yogurt myself, and then I was just straight on the phone to you.","start":968.34503,"end":976.125,"sentiment":"neutral","sentiment_score":0.06527418751890461},{"text":"I did the same thing this morning.","start":977.625,"end":978.905,"sentiment":"neutral","sentiment_score":0.03196528261261327},{"text":"Went went for went for a run, and and it was a little bit longer than it was supposed to be.","start":978.905,"end":983.44995,"sentiment":"neutral","sentiment_score":-0.14803012584646544}],"sentiment":"neutral","sentiment_score":-0.020681401415328895,"num_words":56,"start":966.98505,"end":983.44995},{"sentences":[{"text":"Oh, absolutely.","start":987.43,"end":988.32996,"sentiment":"neutral","sentiment_score":0.03565626218914986},{"text":"But I oh, it's it it was freezing, but I I've added a couple extra k's than what I was supposed to send.","start":988.63,"end":994.94995,"sentiment":"neutral","sentiment_score":-0.11370887331988501},{"text":"So I was running a little bit late for myself this morning.","start":994.94995,"end":997.355,"sentiment":"neutral","sentiment_score":-0.16472790762782097},{"text":"So yeah.","start":998.93494,"end":1001.57495,"sentiment":"neutral","sentiment_score":-0.10791374742984772},{"text":"It's it's a it's a little bit chillier for you than it is for me.","start":1001.57495,"end":1004.555,"sentiment":"neutral","sentiment_score":-0.26915399928887684}],"sentiment":"neutral","sentiment_score":-0.16247896180936583,"num_words":54,"start":987.43,"end":1004.555},{"sentences":[{"text":"Perfect.","start":1010.44995,"end":1010.94995,"sentiment":"positive","sentiment_score":0.3598051071166992},{"text":"So I've I've got you I've got you on a 150,000.","start":1011.08997,"end":1016.61,"sentiment":"neutral","sentiment_score":0.07809914885596796},{"text":"Is that still correct?","start":1016.61,"end":1019.67,"sentiment":"neutral","sentiment_score":0.05509750358760357},{"text":"180?","start":1022.12994,"end":1023.00995,"sentiment":"neutral","sentiment_score":0.023823462426662445},{"text":"Cool.","start":1023.00995,"end":1023.405,"sentiment":"neutral","sentiment_score":0.12270814925432204}],"sentiment":"neutral","sentiment_score":0.0881009650313192,"num_words":18,"start":1010.44995,"end":1023.405},{"sentences":[{"text":"And what are what are, like, your your duties, and what are we what are we doing work wise?","start":1023.645,"end":1029.185,"sentiment":"neutral","sentiment_score":0.04989313844003176},{"text":"Cool.","start":1032.765,"end":1033.265,"sentiment":"neutral","sentiment_score":0.22823724150657657},{"text":"And we're still a 100% on the tools.","start":1033.5651,"end":1035.8251,"sentiment":"neutral","sentiment_score":0.10508072003722191},{"text":"Sorry.","start":1036.79,"end":1036.95,"sentiment":"neutral","sentiment_score":-0.09389568865299223},{"text":"I should have probably elaborated more on what I meant.","start":1036.95,"end":1040.25,"sentiment":"neutral","sentiment_score":-0.1345594696700573}],"sentiment":"neutral","sentiment_score":0.014804160174651023,"num_words":39,"start":1023.645,"end":1040.25},{"sentences":[{"text":"Okay.","start":1046.23,"end":1046.73,"sentiment":"neutral","sentiment_score":-0.03341107442975044},{"text":"So health and safety.","start":1051.1749,"end":1052.235,"sentiment":"neutral","sentiment_score":-0.023635756690055132},{"text":"So what do what do our what does our, I guess, day to day while we're on-site look like?","start":1054.455,"end":1058.475,"sentiment":"neutral","sentiment_score":-0.0014460034619428609},{"text":"Yep.","start":1078.125,"end":1078.625,"sentiment":"neutral","sentiment_score":0.029612673446536064},{"text":"Okay.","start":1083.325,"end":1083.825,"sentiment":"neutral","sentiment_score":0.024342618882656097}],"sentiment":"neutral","sentiment_score":-0.0039028028706805063,"num_words":26,"start":1046.23,"end":1083.825},{"sentences":[{"text":"Perfect.","start":1084.2849,"end":1084.7849,"sentiment":"positive","sentiment_score":0.44842833280563354},{"text":"I'll make sure they're not being silly.","start":1086.5249,"end":1088.705,"sentiment":"neutral","sentiment_score":0.08325643305267606},{"text":"Amazing.","start":1090.36,"end":1090.86,"sentiment":"positive","sentiment_score":0.5228375792503357},{"text":"Oh, always.","start":1093.1599,"end":1093.8999,"sentiment":"neutral","sentiment_score":0.07286331057548523},{"text":"And I grew up in that around mechanics and butchers, so I completely understand what that that looks like.","start":1095.72,"end":1104.035,"sentiment":"neutral","sentiment_score":0.019348325011761563}],"sentiment":"neutral","sentiment_score":0.0689135246599714,"num_words":30,"start":1084.2849,"end":1104.035},{"sentences":[{"text":"Very, very similar to mine as.","start":1104.5751,"end":1106.435,"sentiment":"neutral","sentiment_score":-0.028541372157633305},{"text":"Now with regards to the debt, do you know what the mortgage is sitting at now?","start":1109.8551,"end":1113.9551,"sentiment":"neutral","sentiment_score":-0.014003971125930548},{"text":"Perfect.","start":1119.92,"end":1120.4,"sentiment":"neutral","sentiment_score":0.10215452313423155},{"text":"And do you know what the house value is?","start":1120.4,"end":1122.26,"sentiment":"neutral","sentiment_score":0.01209196810507112},{"text":"And do we well, I mean, we previously had a little bit of a car loan.","start":1130.8,"end":1135.3049,"sentiment":"neutral","sentiment_score":-0.012571711267810315}],"sentiment":"neutral","sentiment_score":-0.008030769065953791,"num_words":48,"start":1104.5751,"end":1135.3049},{"sentences":[{"text":"Have is that still current?","start":1135.3049,"end":1137.325,"sentiment":"neutral","sentiment_score":-0.009463806077837944},{"text":"Perfect.","start":1144.6649,"end":1145.1649,"sentiment":"neutral","sentiment_score":0.17372213304042816},{"text":"And then current savings that you hold?","start":1147.03,"end":1151.2101,"sentiment":"neutral","sentiment_score":0.04511642775365284},{"text":"Yeah.","start":1157.935,"end":1158.3351,"sentiment":"neutral","sentiment_score":-0.055617380887269974},{"text":"That'll eat into it a little bit, won't it?","start":1158.3351,"end":1160.515,"sentiment":"neutral","sentiment_score":-0.09165486858950721}],"sentiment":"neutral","sentiment_score":-0.019056221794175064,"num_words":23,"start":1135.3049,"end":1160.515},{"sentences":[{"text":"Perfect.","start":1162.895,"end":1163.395,"sentiment":"neutral","sentiment_score":0.10852105170488358},{"text":"I tend to think we are worth no.","start":1168.015,"end":1170.035,"sentiment":"neutral","sentiment_score":-0.2571584116667509},{"text":"No.","start":1170.255,"end":1170.495,"sentiment":"neutral","sentiment_score":-0.05703247711062431},{"text":"That's that's beautiful.","start":1170.495,"end":1171.635,"sentiment":"neutral","sentiment_score":0.22659794986248016},{"text":"So have we put the ring on the finger, or is it still a she's got it.","start":1173.36,"end":1179.8401,"sentiment":"neutral","sentiment_score":0.052734274526729304}],"sentiment":"neutral","sentiment_score":-0.014316740073263645,"num_words":30,"start":1162.895,"end":1179.8401},{"sentences":[{"text":"Amazing.","start":1179.8401,"end":1180.3401,"sentiment":"positive","sentiment_score":0.4854111671447754},{"text":"Well, congratulations.","start":1181.92,"end":1182.8201,"sentiment":"positive","sentiment_score":0.5084439814090729},{"text":"Do you wanna look at updating your Next of Kin details then and list her?","start":1186.1849,"end":1192.605,"sentiment":"neutral","sentiment_score":0.10432137151559194},{"text":"Yeah.","start":1202.38,"end":1202.88,"sentiment":"neutral","sentiment_score":0.05406927317380905},{"text":"Yep.","start":1229.425,"end":1229.825,"sentiment":"neutral","sentiment_score":0.0844758003950119}],"sentiment":"neutral","sentiment_score":0.16028323881328105,"num_words":20,"start":1179.8401,"end":1229.825},{"sentences":[{"text":"Yeah.","start":1229.825,"end":1230.0651,"sentiment":"neutral","sentiment_score":0.14913129806518555},{"text":"Absolutely.","start":1230.0651,"end":1230.5651,"sentiment":"neutral","sentiment_score":0.27047115564346313},{"text":"No.","start":1230.865,"end":1231.025,"sentiment":"neutral","sentiment_score":0.12064838409423828},{"text":"That's that's absolutely okay.","start":1231.025,"end":1232.725,"sentiment":"neutral","sentiment_score":0.310858391225338},{"text":"Alright.","start":1233.01,"end":1233.1699,"sentiment":"neutral","sentiment_score":0.2529361844062805}],"sentiment":"neutral","sentiment_score":0.2545775733888149,"num_words":8,"start":1229.825,"end":1233.1699},{"sentences":[{"text":"We can do that.","start":1233.1699,"end":1234.23,"sentiment":"neutral","sentiment_score":0.2851722314953804},{"text":"And currently, if anything were to happen, I have Xavier listed as, like, an emergency contact.","start":1235.25,"end":1240.9299,"sentiment":"neutral","sentiment_score":0.06380215124227107},{"text":"Do you wanna leave it with Grace?","start":1240.9299,"end":1243.27,"sentiment":"neutral","sentiment_score":0.027349643675344332},{"text":"Yep.","start":1246.53,"end":1246.845,"sentiment":"neutral","sentiment_score":0.027597684413194656},{"text":"Yep.","start":1249.1649,"end":1249.6649,"sentiment":"neutral","sentiment_score":0.033940646797418594}],"sentiment":"neutral","sentiment_score":0.08325893733778904,"num_words":29,"start":1233.1699,"end":1249.6649},{"sentences":[{"text":"Yes.","start":1255.245,"end":1255.745,"sentiment":"neutral","sentiment_score":0.03749371320009232},{"text":"Yeah.","start":1267.16,"end":1267.66,"sentiment":"neutral","sentiment_score":0.037804048508405685},{"text":"Yeah.","start":1271.88,"end":1272.2001,"sentiment":"neutral","sentiment_score":0.033561982214450836},{"text":"Absolutely.","start":1272.2001,"end":1272.7001,"sentiment":"neutral","sentiment_score":0.0919061005115509},{"text":"Yes.","start":1278.2949,"end":1278.7949,"sentiment":"neutral","sentiment_score":0.06938348710536957}],"sentiment":"neutral","sentiment_score":0.054029866307973864,"num_words":5,"start":1255.245,"end":1278.7949},{"sentences":[{"text":"Absolutely.","start":1279.335,"end":1279.835,"sentiment":"neutral","sentiment_score":0.0682874321937561},{"text":"So Daniella?","start":1280.855,"end":1281.6749,"sentiment":"neutral","sentiment_score":0.03065109346061945},{"text":"Perfect.","start":1289.42,"end":1289.92,"sentiment":"neutral","sentiment_score":0.30208244919776917},{"text":"Alright.","start":1291.42,"end":1291.92,"sentiment":"neutral","sentiment_score":0.12013395130634308},{"text":"Well, what I can do is I can list her.","start":1292.14,"end":1294.9401,"sentiment":"neutral","sentiment_score":0.08322996869683266}],"sentiment":"neutral","sentiment_score":0.09227371377249559,"num_words":15,"start":1279.335,"end":1294.9401},{"sentences":[{"text":"I just need a mobile number for her.","start":1294.9401,"end":1296.88,"sentiment":"neutral","sentiment_score":0.062469649594277143},{"text":"Someone that actually knows their partner's number.","start":1305.035,"end":1306.875,"sentiment":"neutral","sentiment_score":0.07037261607391494},{"text":"That's amazing.","start":1306.875,"end":1308.0951,"sentiment":"positive","sentiment_score":0.5380154252052307},{"text":"Yeah.","start":1310.2351,"end":1310.7351,"sentiment":"neutral","sentiment_score":-0.09953149408102036},{"text":"Right?","start":1314.47,"end":1314.97,"sentiment":"neutral","sentiment_score":-0.1293191909790039}],"sentiment":"neutral","sentiment_score":0.09681819340116099,"num_words":19,"start":1294.9401,"end":1314.97},{"sentences":[{"text":"I've I've been married for a decade, and I don't think my husband knows my number.","start":1315.6699,"end":1319.9299,"sentiment":"neutral","sentiment_score":-0.14966662507504225},{"text":"I know.","start":1323.59,"end":1324.33,"sentiment":"neutral","sentiment_score":-0.09291289746761322},{"text":"My children no.","start":1324.39,"end":1325.69,"sentiment":"neutral","sentiment_score":-0.1663465847571691},{"text":"Yeah.","start":1327.9099,"end":1328.175,"sentiment":"neutral","sentiment_score":-0.1376294642686844},{"text":"It's criminal.","start":1330.255,"end":1330.915,"sentiment":"neutral","sentiment_score":-0.2003619223833084}],"sentiment":"neutral","sentiment_score":-0.1507452024767796,"num_words":24,"start":1315.6699,"end":1330.915},{"sentences":[{"text":"No.","start":1334.9751,"end":1335.4551,"sentiment":"neutral","sentiment_score":-0.09658268094062804},{"text":"Yeah.","start":1335.4551,"end":1335.6951,"sentiment":"neutral","sentiment_score":-0.07284912467002869},{"text":"I know.","start":1335.6951,"end":1336.015,"sentiment":"neutral","sentiment_score":-0.06179654970765114},{"text":"It's so bad.","start":1336.015,"end":1337.0751,"sentiment":"negative","sentiment_score":-0.5723132888476054},{"text":"Now four inch yeah.","start":1338.495,"end":1341.055,"sentiment":"neutral","sentiment_score":-0.01002310891635716}],"sentiment":"neutral","sentiment_score":-0.18636883702129126,"num_words":11,"start":1334.9751,"end":1341.055},{"sentences":[{"text":"Just just give me a second.","start":1341.055,"end":1342.255,"sentiment":"neutral","sentiment_score":-0.007751767989248037},{"text":"I'll text you.","start":1342.255,"end":1343.2351,"sentiment":"neutral","sentiment_score":-0.004951777867972851},{"text":"Oh, I know.","start":1351.51,"end":1352.7101,"sentiment":"neutral","sentiment_score":-0.014574710590143999},{"text":"It yeah.","start":1352.7101,"end":1353.53,"sentiment":"neutral","sentiment_score":-0.004426560364663601},{"text":"That's my head in.","start":1354.0701,"end":1354.87,"sentiment":"neutral","sentiment_score":-0.01981042278930545}],"sentiment":"neutral","sentiment_score":-0.010732493622021543,"num_words":18,"start":1341.055,"end":1354.87},{"sentences":[{"text":"Anyway, for insurance purposes, I just wanna confirm, has any of your health changed since 2024?","start":1354.87,"end":1362.805,"sentiment":"neutral","sentiment_score":0.006339653773466125},{"text":"No?","start":1362.805,"end":1363.125,"sentiment":"neutral","sentiment_score":-0.036941397935152054},{"text":"Cool.","start":1363.125,"end":1363.625,"sentiment":"neutral","sentiment_score":0.029713690280914307},{"text":"Just so I can take that Oh, fantastic.","start":1364.405,"end":1369.145,"sentiment":"neutral","sentiment_score":0.06518504954874516},{"text":"Yes.","start":1378.89,"end":1379.37,"sentiment":"neutral","sentiment_score":0.23011133074760437}],"sentiment":"neutral","sentiment_score":0.031325869624399476,"num_words":27,"start":1354.87,"end":1379.37},{"sentences":[{"text":"Good luck.","start":1379.37,"end":1380.1901,"sentiment":"positive","sentiment_score":0.4762798994779587},{"text":"Dashing for the wedding.","start":1380.49,"end":1381.79,"sentiment":"positive","sentiment_score":0.48935864120721817},{"text":"Always.","start":1391.135,"end":1391.635,"sentiment":"neutral","sentiment_score":0.0539374053478241},{"text":"We always say we're the lucky girl, but secretly absolutely.","start":1392.0951,"end":1400.71,"sentiment":"neutral","sentiment_score":0.06983713880181312},{"text":"Now in terms of, I guess, goals that you're working towards, what I guess, apart from the wedding, personally, is there anything else that you have, I guess, a site set on or things that you are working on?","start":1401.73,"end":1415.4149,"sentiment":"neutral","sentiment_score":0.042557566737135254}],"sentiment":"neutral","sentiment_score":0.09503657606962536,"num_words":56,"start":1379.37,"end":1415.4149},{"sentences":[{"text":"Hi.","start":1424.86,"end":1425.36,"sentiment":"neutral","sentiment_score":0.10683056712150574},{"text":"Perfect.","start":1426.62,"end":1427.12,"sentiment":"neutral","sentiment_score":0.164411723613739},{"text":"And I was just and what are we look are we looking at ten years?","start":1444.325,"end":1450.8099,"sentiment":"neutral","sentiment_score":-0.05088328321774801},{"text":"Six 60 five or okay.","start":1452.23,"end":1456.73,"sentiment":"neutral","sentiment_score":0.0020370520651340485},{"text":"Okay.","start":1461.6699,"end":1461.99,"sentiment":"neutral","sentiment_score":0.07510702311992645}],"sentiment":"neutral","sentiment_score":-0.01768324669936429,"num_words":23,"start":1424.86,"end":1461.99},{"sentences":[{"text":"So 67 retirement.","start":1461.99,"end":1463.445,"sentiment":"neutral","sentiment_score":0.08321511497100194},{"text":"That's absolutely fine.","start":1463.445,"end":1464.725,"sentiment":"neutral","sentiment_score":0.22166353464126587},{"text":"So I I guess I wanna I wanna be clear just just to make sure that it is is there.","start":1464.725,"end":1469.125,"sentiment":"neutral","sentiment_score":0.002171700494363904},{"text":"You can technically retire at 60 because your superannuation becomes accessible, but, obviously, you need to fund it.","start":1469.125,"end":1474.98,"sentiment":"neutral","sentiment_score":-0.0015185594869156678},{"text":"60 seven is when Centrelink becomes available.","start":1475.22,"end":1477.72,"sentiment":"neutral","sentiment_score":-0.010204911231994629}],"sentiment":"neutral","sentiment_score":0.01684904920265955,"num_words":51,"start":1461.99,"end":1477.72},{"sentences":[{"text":"Yeah.","start":1484.9,"end":1485.4,"sentiment":"neutral","sentiment_score":-0.03338395431637764},{"text":"You wanted previously, you want to make sure that you had, like, a bit of an egg a nest egg for the kids.","start":1489.315,"end":1495.815,"sentiment":"neutral","sentiment_score":0.0036205745342633},{"text":"Is that's still the case.","start":1496.835,"end":1499.94,"sentiment":"neutral","sentiment_score":0.009040547534823418},{"text":"Cool.","start":1500.0199,"end":1500.2599,"sentiment":"positive","sentiment_score":0.36936891078948975},{"text":"Alright.","start":1500.2599,"end":1500.4199,"sentiment":"neutral","sentiment_score":0.23582693934440613}],"sentiment":"neutral","sentiment_score":0.022589930573538426,"num_words":31,"start":1484.9,"end":1500.4199},{"sentences":[{"text":"So we wanna work on a million dollars with your fund.","start":1500.4199,"end":1503.22,"sentiment":"neutral","sentiment_score":0.21500268172134052},{"text":"So what I'll do is while I'm looking at the insurance, I'll also have a look at, I guess, your superannuation fund as well to see whether maybe we take on a little bit more risk within the fund to yep.","start":1503.22,"end":1524.845,"sentiment":"neutral","sentiment_score":0.027434737262565914},{"text":"Yep.","start":1532.41,"end":1532.91,"sentiment":"neutral","sentiment_score":0.15265101194381714},{"text":"Yep.","start":1533.21,"end":1533.71,"sentiment":"neutral","sentiment_score":0.107693612575531},{"text":"Yep.","start":1534.49,"end":1534.99,"sentiment":"neutral","sentiment_score":0.06216088682413101}],"sentiment":"neutral","sentiment_score":0.0693156225098805,"num_words":55,"start":1500.4199,"end":1534.99},{"sentences":[{"text":"I love it.","start":1539.53,"end":1540.25,"sentiment":"positive","sentiment_score":0.6904097199440002},{"text":"Absolutely.","start":1540.25,"end":1540.75,"sentiment":"positive","sentiment_score":0.4506831169128418},{"text":"Yeah.","start":1545.445,"end":1545.945,"sentiment":"neutral","sentiment_score":0.25488758087158203},{"text":"He hasn't been through that.","start":1547.125,"end":1548.825,"sentiment":"neutral","sentiment_score":-0.12210731878876686},{"text":"Well, do you wanna look at maybe because while high growth is obviously it is aggressive, we could take it a step further, and we could add a small portion of gearing into the fund.","start":1557.37,"end":1572.2251,"sentiment":"neutral","sentiment_score":0.06643989756703376}],"sentiment":"neutral","sentiment_score":0.09981465952263938,"num_words":45,"start":1539.53,"end":1572.2251},{"sentences":[{"text":"So gearing or leverage leverage investment is basically where you borrow to invest.","start":1575.245,"end":1579.885,"sentiment":"neutral","sentiment_score":0.1115764224758515},{"text":"Now there's two ways to do that, and I wanna before the mind starts ticking.","start":1579.885,"end":1583.745,"sentiment":"neutral","sentiment_score":0.12648397485415142},{"text":"Obviously, you can do that personally where you borrow money and then use that borrowed money to invest, or there are investment alright.","start":1584.2999,"end":1595.2,"sentiment":"neutral","sentiment_score":0.106248682445806},{"text":"It yes.","start":1597.58,"end":1600.4551,"sentiment":"neutral","sentiment_score":0.10706739500164986},{"text":"Yes.","start":1600.8351,"end":1601.3351,"sentiment":"neutral","sentiment_score":0.2322347462177277}],"sentiment":"neutral","sentiment_score":0.11551559902727604,"num_words":54,"start":1575.245,"end":1601.3351},{"sentences":[{"text":"You can.","start":1601.7151,"end":1602.435,"sentiment":"neutral","sentiment_score":0.2778504192829132},{"text":"So, like, you can do sort of, like, what's called debt recycling.","start":1602.435,"end":1604.5951,"sentiment":"neutral","sentiment_score":0.3046685419976711},{"text":"So you can take money out of your property.","start":1604.5951,"end":1606.6951,"sentiment":"neutral","sentiment_score":0.2761809180180232},{"text":"So, like, equity out of your property and use that to invest.","start":1607.555,"end":1610.135,"sentiment":"neutral","sentiment_score":0.31935351838668186},{"text":"And, you know, it can become a tax deductible and so on and so forth.","start":1611.795,"end":1615.35,"sentiment":"neutral","sentiment_score":0.2605932245651881}],"sentiment":"neutral","sentiment_score":0.28876984387636184,"num_words":50,"start":1601.7151,"end":1615.35},{"sentences":[{"text":"But what you can all do is inside an investment specific investment options is the actual investment manager will go and borrow money on your behalf to then leverage and invest.","start":1615.51,"end":1633.4049,"sentiment":"neutral","sentiment_score":0.19910719702320714},{"text":"They'll have your cash as basically the the the asset that it's it's leveraged against, and they basically and it could be it can be geared between a 120 to a 180%.","start":1633.5449,"end":1648.7999,"sentiment":"neutral","sentiment_score":0.13179966364987195},{"text":"The risks are obviously because you're putting your money in, if they lose and they lose big, you can walk away with zero.","start":1648.7999,"end":1655.0399,"sentiment":"negative","sentiment_score":-0.36832170156033145},{"text":"But the other option that it's much higher returns when it returns because you've got the leverage in there.","start":1655.0399,"end":1662.715,"sentiment":"neutral","sentiment_score":0.32025948245274394},{"text":"They borrowed money for you.","start":1662.715,"end":1664.175,"sentiment":"positive","sentiment_score":0.3684159815311432}],"sentiment":"neutral","sentiment_score":0.08950475711714137,"num_words":110,"start":1615.51,"end":1664.175},{"sentences":[{"text":"But you don't obviously have, you know, as a as a a benefit is you don't you haven't physically taken the loan out, so you're not going to end up with, like, negative you just basically walk away with zero and not, you know, a loan amount.","start":1665.1951,"end":1678.0801,"sentiment":"neutral","sentiment_score":0.08944701950283761},{"text":"Yeah.","start":1689.02,"end":1689.26,"sentiment":"neutral","sentiment_score":0.17035594582557678},{"text":"So so there's two options.","start":1689.26,"end":1692.725,"sentiment":"neutral","sentiment_score":0.11208035200834274},{"text":"There is where you borrow money against your property, and that is basically called recycling or or leveraged investments because you leverage it against your property.","start":1692.725,"end":1700.985,"sentiment":"neutral","sentiment_score":0.09544350264164117},{"text":"There's the other one where there are specific geared assets, and they internally gear.","start":1701.125,"end":1707.86,"sentiment":"neutral","sentiment_score":0.056176004033269625}],"sentiment":"neutral","sentiment_score":0.08820174997472154,"num_words":93,"start":1665.1951,"end":1707.86},{"sentences":[{"text":"So you basically you give, say, a $100 to the asset, to the stock, or the the the security, the ETF, whatever you wanna sort of call it.","start":1707.86,"end":1716.66,"sentiment":"neutral","sentiment_score":0.030093282660735503},{"text":"Same thing.","start":1716.66,"end":1717.4,"sentiment":"neutral","sentiment_score":0.06976548209786415},{"text":"And what that asset does is they go to an a lender.","start":1718.595,"end":1723.015,"sentiment":"neutral","sentiment_score":0.06337941670790315},{"text":"They borrow money.","start":1723.475,"end":1724.275,"sentiment":"neutral","sentiment_score":0.04260710875193278},{"text":"So let's just say it's geared to a 150%.","start":1724.275,"end":1726.355,"sentiment":"neutral","sentiment_score":0.09144212967819637}],"sentiment":"neutral","sentiment_score":0.049879562454643075,"num_words":54,"start":1707.86,"end":1726.355},{"sentences":[{"text":"So on a $100, they'll end up getting $50.","start":1726.355,"end":1728.775,"sentiment":"neutral","sentiment_score":0.10811349915133582},{"text":"And then they invest that 150, the 100 UKs, and the fifty day borrowed.","start":1729.075,"end":1732.86,"sentiment":"neutral","sentiment_score":0.19537682884505816},{"text":"They invest that into the into the market, and it does its thing, and you get your return.","start":1732.94,"end":1740.96,"sentiment":"neutral","sentiment_score":0.3244673063357671},{"text":"The downside is is when it goes down, you've got a $150 in there, and you still have a loan that you have to repay.","start":1741.42,"end":1747.6,"sentiment":"negative","sentiment_score":-0.39083452105522154},{"text":"But because it's internally within the fund, if it loses and you say have a a negative return and you still have to repay the $50, your, like, poll is not having to pay that $50 out of his personal cash because it's all quarantined within that month.","start":1748.165,"end":1766.41,"sentiment":"negative","sentiment_score":-0.46645528078079224}],"sentiment":"neutral","sentiment_score":-0.19835094643528,"num_words":114,"start":1726.355,"end":1766.41},{"sentences":[{"text":"Not not through your super fund.","start":1777.925,"end":1780.325,"sentiment":"neutral","sentiment_score":-0.24833390613396963},{"text":"It's all quarantined in your super fund.","start":1780.325,"end":1782.085,"sentiment":"neutral","sentiment_score":-0.15971746189253672},{"text":"If you wanna go with option one where you take money out against your house personally and you still have to service that loan personally, and then we invest, the risk is is that if the investment does have a negative year here, you still have to service that loan taken against your house.","start":1782.085,"end":1802.745,"sentiment":"neutral","sentiment_score":-0.22419853598155356},{"text":"And that's where the biggest risk with with it's called debt recycling.","start":1803.205,"end":1807.465,"sentiment":"negative","sentiment_score":-0.48797432829936344},{"text":"That's where that biggest risk comes from.","start":1807.765,"end":1810.085,"sentiment":"negative","sentiment_score":-0.40447358574186054}],"sentiment":"neutral","sentiment_score":-0.2721134145679169,"num_words":86,"start":1777.925,"end":1810.085},{"sentences":[{"text":"When you physically take out a personal loan against your personal name or against the personal asset, that that that's the bigger risk for that side.","start":1810.085,"end":1818.1101,"sentiment":"negative","sentiment_score":-0.40212646241371447},{"text":"Yep.","start":1821.05,"end":1821.55,"sentiment":"neutral","sentiment_score":-0.22852091491222384},{"text":"It wouldn't be, I guess, it wouldn't be into your super fund.","start":1825.53,"end":1827.93,"sentiment":"neutral","sentiment_score":-0.2946254685521126},{"text":"It would be into a personally owned investment account.","start":1827.93,"end":1830.675,"sentiment":"neutral","sentiment_score":0.14007681525415844},{"text":"You wouldn't put it into your super fund, but, like, I I can structure I can help you structure a debt recycling.","start":1831.875,"end":1837.875,"sentiment":"neutral","sentiment_score":0.24649590186097406}],"sentiment":"neutral","sentiment_score":-0.10765304831521852,"num_words":70,"start":1810.085,"end":1837.875},{"sentences":[{"text":"I can help you structure an investment account.","start":1837.875,"end":1840.055,"sentiment":"positive","sentiment_score":0.3975445032119751},{"text":"I can help you, you know, set up investments within that account.","start":1840.115,"end":1843.4751,"sentiment":"positive","sentiment_score":0.39467385907967883},{"text":"I I can give you debt recycling advice.","start":1843.4751,"end":1846.25,"sentiment":"positive","sentiment_score":0.43869122490286827},{"text":"That's exactly what that is, where you take so I can help you with that that strategy and show you what it looks like.","start":1846.25,"end":1856.33,"sentiment":"positive","sentiment_score":0.5030829049646854},{"text":"It does take a little bit of time for me to draw up.","start":1856.33,"end":1858.09,"sentiment":"neutral","sentiment_score":-0.03235562403614704}],"sentiment":"positive","sentiment_score":0.35506674985472975,"num_words":65,"start":1837.875,"end":1858.09},{"sentences":[{"text":"Doing wrong.","start":1858.09,"end":1858.49,"sentiment":"negative","sentiment_score":-0.45986858010292053},{"text":"It's not something I can turn around in a day.","start":1858.49,"end":1860.27,"sentiment":"neutral","sentiment_score":-0.2892039239406586},{"text":"That's that's the better.","start":1870.705,"end":1871.745,"sentiment":"neutral","sentiment_score":-0.1003850195556879},{"text":"You you do get the the interest becomes a deduction.","start":1871.745,"end":1882.14,"sentiment":"neutral","sentiment_score":-0.18329547345638275},{"text":"Yes.","start":1882.68,"end":1883.18,"sentiment":"neutral","sentiment_score":-0.22089241445064545}],"sentiment":"neutral","sentiment_score":-0.2321171713648019,"num_words":27,"start":1858.09,"end":1883.18},{"sentences":[{"text":"Fair.","start":1883.3201,"end":1883.8201,"sentiment":"negative","sentiment_score":-0.3549068570137024},{"text":"Yes.","start":1889.575,"end":1890.075,"sentiment":"neutral","sentiment_score":-0.079889215528965},{"text":"Yeah.","start":1895.735,"end":1895.975,"sentiment":"neutral","sentiment_score":-0.027362527325749397},{"text":"You do everything.","start":1895.975,"end":1896.855,"sentiment":"neutral","sentiment_score":-0.09359176953633626},{"text":"Yeah.","start":1896.855,"end":1897.1749,"sentiment":"neutral","sentiment_score":-0.041254229843616486}],"sentiment":"neutral","sentiment_score":-0.11202687690300601,"num_words":7,"start":1883.3201,"end":1897.1749},{"sentences":[{"text":"Absolutely.","start":1897.1749,"end":1897.6749,"sentiment":"neutral","sentiment_score":-0.1671217978000641},{"text":"Yeah.","start":1907.7,"end":1908.1,"sentiment":"neutral","sentiment_score":-0.3273746967315674},{"text":"And so when so it's it's Mia that's still under 18?","start":1908.1,"end":1912.7599,"sentiment":"neutral","sentiment_score":-0.057183185422962364},{"text":"Okay.","start":1917.46,"end":1917.885,"sentiment":"neutral","sentiment_score":-0.0628429651260376},{"text":"Yeah.","start":1929.405,"end":1929.905,"sentiment":"neutral","sentiment_score":-0.24772407114505768}],"sentiment":"neutral","sentiment_score":-0.09560523803035419,"num_words":15,"start":1897.1749,"end":1929.905},{"sentences":[{"text":"Yeah.","start":1931.005,"end":1931.505,"sentiment":"neutral","sentiment_score":-0.06314937770366669},{"text":"Yeah.","start":1934.9299,"end":1935.33,"sentiment":"neutral","sentiment_score":0.024179965257644653},{"text":"Because that it's that serviceability.","start":1935.33,"end":1936.87,"sentiment":"neutral","sentiment_score":0.018908264487981795},{"text":"Okay.","start":1941.8099,"end":1942.3099,"sentiment":"neutral","sentiment_score":0.0753757581114769},{"text":"Alright.","start":1943.25,"end":1943.73,"sentiment":"neutral","sentiment_score":0.32590699195861816}],"sentiment":"neutral","sentiment_score":0.050761628895998,"num_words":9,"start":1931.005,"end":1943.73},{"sentences":[{"text":"Well, it's something you can definitely sell back to in, say, six months.","start":1943.73,"end":1947.11,"sentiment":"positive","sentiment_score":0.34495360346940845},{"text":"Oh, so 12 12 to eighteen months.","start":1947.5651,"end":1950.0651,"sentiment":"neutral","sentiment_score":0.010841581438268934},{"text":"Yep.","start":1951.645,"end":1952.145,"sentiment":"neutral","sentiment_score":0.005634046159684658},{"text":"So option two is basically an internally geared asset that I can put into your super fund.","start":1953.405,"end":1959.265,"sentiment":"neutral","sentiment_score":0.0004460359101786333},{"text":"So it increases the risk.","start":1959.5651,"end":1960.765,"sentiment":"neutral","sentiment_score":-0.19475878775119781}],"sentiment":"neutral","sentiment_score":0.08371420076853314,"num_words":43,"start":1943.73,"end":1960.765},{"sentences":[{"text":"Because currently, you are a high growth, which means that basically 90% like, 90 to 95 of your of your funds are invested on the market and the investments for growth oriented funds.","start":1960.765,"end":1972.58,"sentiment":"neutral","sentiment_score":-0.07302238690582188},{"text":"What would happen here is it would increase to basically over a 100% because you have, like, you the asset itself that I would recommend, whatever that is when I research, would borrow money and would gear.","start":1974.0,"end":1988.905,"sentiment":"neutral","sentiment_score":0.11537922697292792},{"text":"So you you would instead of having 95% invested having yeah.","start":1989.125,"end":1998.73,"sentiment":"neutral","sentiment_score":0.06265318613838065},{"text":"No.","start":2002.31,"end":2002.79,"sentiment":"neutral","sentiment_score":-0.06052299216389656},{"text":"It it's it's cash.","start":2002.79,"end":2004.0701,"sentiment":"neutral","sentiment_score":-0.03689144505187869}],"sentiment":"neutral","sentiment_score":0.027213824479732404,"num_words":86,"start":1960.765,"end":2004.0701},{"sentences":[{"text":"It's cash it's cash equity.","start":2004.0701,"end":2005.6901,"sentiment":"neutral","sentiment_score":-0.004180423729121685},{"text":"So because you basically, let's just say we put $10 into that specific asset.","start":2005.915,"end":2011.195,"sentiment":"neutral","sentiment_score":0.06414157977061612},{"text":"So you know how you have all the different assets in your super fund.","start":2011.195,"end":2015.135,"sentiment":"neutral","sentiment_score":0.0773361615304436},{"text":"Each of them have a percentage that you're invested in.","start":2015.435,"end":2017.515,"sentiment":"neutral","sentiment_score":0.055752959474921225},{"text":"What we would do is we take some of the some of the money that's sitting in some of those assets.","start":2017.515,"end":2021.4901,"sentiment":"neutral","sentiment_score":0.08645253167265937}],"sentiment":"neutral","sentiment_score":0.06770029717881698,"num_words":64,"start":2004.0701,"end":2021.4901},{"sentences":[{"text":"We could pull it out, pop it into what this new, like, geared asset or couple of these different geared assets, have a look.","start":2021.4901,"end":2028.13,"sentiment":"neutral","sentiment_score":0.118942469280834},{"text":"And what would happen is you have a cash asset that goes away to that provider, and that provider would then borrow money and go from there.","start":2028.13,"end":2037.425,"sentiment":"neutral","sentiment_score":-0.020130296065299598},{"text":"Obviously, it's not a 100% of borrowing 50.","start":2037.425,"end":2039.8451,"sentiment":"neutral","sentiment_score":-0.16550304740667343},{"text":"It's more like a 100,000,000 and they're borrowing 50,000,000 because your money is the only money in that pool.","start":2039.905,"end":2045.04,"sentiment":"neutral","sentiment_score":-0.09919319144989315},{"text":"But that's sort of the mechanics of it.","start":2046.0801,"end":2049.3,"sentiment":"neutral","sentiment_score":-0.031529453583061695}],"sentiment":"neutral","sentiment_score":-0.013370109028940978,"num_words":86,"start":2021.4901,"end":2049.3},{"sentences":[{"text":"Nope.","start":2053.36,"end":2053.6,"sentiment":"neutral","sentiment_score":-0.016369791701436043},{"text":"One and 2.","start":2053.6,"end":2054.5,"sentiment":"neutral","sentiment_score":-0.014988709862033526},{"text":"No.","start":2055.12,"end":2055.36,"sentiment":"neutral","sentiment_score":-0.08147390931844711},{"text":"It's basically it's basically option.","start":2055.36,"end":2056.8,"sentiment":"neutral","sentiment_score":-0.012236601486802102},{"text":"It's one and two.","start":2056.8,"end":2057.52,"sentiment":"neutral","sentiment_score":0.03616600437089801}],"sentiment":"neutral","sentiment_score":-0.004237772896885872,"num_words":14,"start":2053.36,"end":2057.52},{"sentences":[{"text":"So you can do it personally.","start":2057.52,"end":2058.82,"sentiment":"neutral","sentiment_score":0.06871123798191547},{"text":"Personally, it can either be leveraged against you as an individual, your income, or you can do it against your house.","start":2060.685,"end":2066.0452,"sentiment":"neutral","sentiment_score":-0.08267208046856381},{"text":"I don't recommend you do it against you as an as an individual, purely and simply because the interest rate becomes a higher when you don't secure it against asset, whereas with an asset, you can secure it for your your your home repaying percentage, or you basically do it with an internally geared asset.","start":2066.0452,"end":2086.185,"sentiment":"neutral","sentiment_score":-0.16240958591753787},{"text":"Yeah.","start":2097.065,"end":2097.565,"sentiment":"neutral","sentiment_score":0.1920484304428101},{"text":"Well, I can what I'll do is I'll insurance research will be sent out through you today.","start":2101.82,"end":2107.28,"sentiment":"neutral","sentiment_score":0.20113890749566696}],"sentiment":"neutral","sentiment_score":-0.06644963629543782,"num_words":100,"start":2057.52,"end":2107.28},{"sentences":[{"text":"It's afternoon because I have a few hours around lunchtime, and I should be able to knock it out.","start":2108.06,"end":2112.975,"sentiment":"neutral","sentiment_score":0.2780242166236827},{"text":"And then what I'll do is I'll send you a few a little bit more information on, like, internally geared assets.","start":2114.0151,"end":2119.955,"sentiment":"neutral","sentiment_score":0.1506342188943},{"text":"So that way, you can have a chat with the fiance.","start":2120.655,"end":2123.635,"sentiment":"neutral","sentiment_score":0.23582973128015344},{"text":"And and, yeah, you could just book an email to me.","start":2124.3352,"end":2129.34,"sentiment":"neutral","sentiment_score":0.11306391046805815},{"text":"Yeah.","start":2132.2,"end":2132.7,"sentiment":"neutral","sentiment_score":-0.03381873667240143}],"sentiment":"neutral","sentiment_score":0.19444111166965394,"num_words":63,"start":2108.06,"end":2132.7},{"sentences":[{"text":"Yeah.","start":2137.08,"end":2137.58,"sentiment":"neutral","sentiment_score":-0.02460433728992939},{"text":"Yeah.","start":2150.8652,"end":2151.3652,"sentiment":"neutral","sentiment_score":-0.0380178838968277},{"text":"Definitely.","start":2155.905,"end":2156.405,"sentiment":"neutral","sentiment_score":0.0091250566765666},{"text":"Yeah.","start":2160.12,"end":2160.52,"sentiment":"neutral","sentiment_score":-0.020001498982310295},{"text":"They're they're going okay.","start":2160.52,"end":2161.48,"sentiment":"neutral","sentiment_score":0.06380255823023617}],"sentiment":"neutral","sentiment_score":0.02271394617855549,"num_words":8,"start":2137.08,"end":2161.48},{"sentences":[{"text":"They just don't have strong growth.","start":2161.48,"end":2163.66,"sentiment":"neutral","sentiment_score":-0.07761580621202786},{"text":"Yep.","start":2179.7349,"end":2180.2349,"sentiment":"neutral","sentiment_score":0.21795421838760376},{"text":"Yeah.","start":2184.28,"end":2184.52,"sentiment":"neutral","sentiment_score":0.21626247465610504},{"text":"I am happy with where where they're invested.","start":2184.52,"end":2186.12,"sentiment":"neutral","sentiment_score":0.3244331404566765},{"text":"I have no no, I guess, great concerns.","start":2186.12,"end":2188.36,"sentiment":"neutral","sentiment_score":0.0763632832095027}],"sentiment":"neutral","sentiment_score":0.13228721854587397,"num_words":24,"start":2161.48,"end":2188.36},{"sentences":[{"text":"But we could definitely look at gearing, and I can I'll send you through some information.","start":2188.36,"end":2193.56,"sentiment":"neutral","sentiment_score":0.07128604967147112},{"text":"You can have us sort of think about it, and then I can if you wanna go ahead, I can draw up some, like, different portfolio options and and obviously do my research on the back end and then send you through recommendations from there and pull through.","start":2193.56,"end":2211.4849,"sentiment":"neutral","sentiment_score":0.05825790262315422},{"text":"Yes.","start":2225.21,"end":2225.71,"sentiment":"neutral","sentiment_score":0.011193018406629562},{"text":"Larissa.","start":2226.65,"end":2227.15,"sentiment":"neutral","sentiment_score":0.016517147421836853},{"text":"No.","start":2231.6748,"end":2231.9949,"sentiment":"neutral","sentiment_score":0.01793607696890831}],"sentiment":"neutral","sentiment_score":0.05944182632018381,"num_words":67,"start":2188.36,"end":2231.9949},{"sentences":[{"text":"Absolutely.","start":2231.9949,"end":2232.395,"sentiment":"neutral","sentiment_score":0.027339240536093712},{"text":"My pleasure.","start":2232.395,"end":2233.055,"sentiment":"neutral","sentiment_score":0.07272105291485786},{"text":"No.","start":2235.275,"end":2235.515,"sentiment":"neutral","sentiment_score":0.022581592202186584},{"text":"Well, I'll I'll send you an email with, like, a a bit of a, like, an annual review pack.","start":2235.515,"end":2239.835,"sentiment":"neutral","sentiment_score":0.08759932219982147},{"text":"That way, you have extra information.","start":2239.835,"end":2241.78,"sentiment":"neutral","sentiment_score":0.0633725430816412}],"sentiment":"neutral","sentiment_score":0.07724087306394659,"num_words":29,"start":2231.9949,"end":2241.78},{"sentences":[{"text":"But I'll just include I'll just include that with like, I'll send it at the same time that I send all the information.","start":2241.78,"end":2246.84,"sentiment":"neutral","sentiment_score":0.08899231206463731},{"text":"Yes.","start":2251.54,"end":2251.78,"sentiment":"neutral","sentiment_score":0.090242400765419},{"text":"Send it through the beneficiary form already written into my notes.","start":2251.78,"end":2255.255,"sentiment":"neutral","sentiment_score":0.10742838477546518},{"text":"So I'll send that through.","start":2255.315,"end":2256.1948,"sentiment":"neutral","sentiment_score":0.08195070624351501},{"text":"Are you happy if I email that to you, or would you prefer it posted?","start":2256.1948,"end":2259.575,"sentiment":"neutral","sentiment_score":0.08889167631665866}],"sentiment":"neutral","sentiment_score":0.09203466339544816,"num_words":55,"start":2241.78,"end":2259.575},{"sentences":[{"text":"Email?","start":2260.035,"end":2260.4348,"sentiment":"neutral","sentiment_score":-0.03710318356752395},{"text":"Cool.","start":2260.4348,"end":2260.9348,"sentiment":"neutral","sentiment_score":0.2728922963142395},{"text":"Perfect.","start":2262.595,"end":2263.095,"sentiment":"positive","sentiment_score":0.4350796937942505},{"text":"I'll I'll send that through.","start":2263.2349,"end":2264.1948,"sentiment":"neutral","sentiment_score":0.27464399933815004},{"text":"I'll send through both of them.","start":2264.1948,"end":2265.875,"sentiment":"neutral","sentiment_score":0.1374311770002047}],"sentiment":"neutral","sentiment_score":0.20490541894521033,"num_words":14,"start":2260.035,"end":2265.875},{"sentences":[{"text":"I'll send through to Zurich, and I'll send through the help one.","start":2265.875,"end":2268.18,"sentiment":"neutral","sentiment_score":0.12963695265352726},{"text":"That way, you have both of them.","start":2268.26,"end":2269.3,"sentiment":"neutral","sentiment_score":0.2007184773683548},{"text":"Obviously, if we move away from Zurich, it'll have to be a new new one, but I'll send them through today anyway.","start":2269.3,"end":2275.72,"sentiment":"neutral","sentiment_score":-0.012883818285031752},{"text":"Yeah.","start":2279.54,"end":2279.8599,"sentiment":"positive","sentiment_score":0.43198567628860474},{"text":"You too.","start":2279.8599,"end":2280.5999,"sentiment":"positive","sentiment_score":0.38922223448753357}],"sentiment":"neutral","sentiment_score":0.08835588446394964,"num_words":44,"start":2265.875,"end":2280.5999},{"sentences":[{"text":"Thanks, Paul.","start":2280.8198,"end":2281.8,"sentiment":"positive","sentiment_score":0.46888577938079834},{"text":"Bye.","start":2282.5798,"end":2283.0798,"sentiment":"neutral","sentiment_score":-0.10843971371650696}],"sentiment":"neutral","sentiment_score":0.2764439483483632,"num_words":3,"start":2280.8198,"end":2283.0798}]}}]},{"alternatives":[{"transcript":"Good morning. Good morning. Yep. Yep. Absolutely. Paul Patrick David, Jeremy Janco. 21st And 3rd 3337 Magna Road, Wollongong, New South Wales. Yep. Yep. No. I went through that last of you, I believe, and it was all okay. And I got a email from Zurich saying I'm still only covered $6.50 for this debt. And when I spoke last time through this process, I said, look, I need a million because that's my house and value that. Like, $6.50 hasn't even paid the house off. You know what I mean? Absolutely. And that that's all that was all done. I signed all the paperwork. I went through DocuSign. Everything went through. And then I get a email from Zurich saying you only cut $6.50. So obviously, somewhere between you guys or them, no one changed policy. Yes. From from Zurich? Yep. Alright. So yep. So I emailed Zurich back saying, like, yeah, other what's going on? Hang on. I'll just pull that now. So I'll just double that's fine. Yeah. That's why I threw a customer. Yeah. It went through. I opened it up. What's the policy number on that? I wouldn't have two, like, because I updated it. They gave me policy and then a yearly yearly payment of $3.09 $3.05 $8.09. $3,144.08 9. Policy number 91129371. So what what that's the same policy, and I go down went down through it, and it goes death and modified illness, not 6 5650. Buyback death, $6.50. Yeah. It's all $6.50. $6.50 60. Buyback death, modified CPD, death and terminal illness, 65915. That's why I'm confused. We're stuck with it. And then you're saying you got the million, but then this email was received. When is it today? July 25. I'll I'll just forward it to you. So what what's your email address? Hang on. Let's go forward. I emailed them back saying, oh, what's going on? I thought it was a million. I put it back to Zurich saying, I thought I did this with my both of you. A bit disappointed. Because something did happen, then it'd be in dispute because this policy states that, and then you're saying you got a policy that states million. And then that's why I know what insurance companies are like. They go, well, no. Hang on. This one says that. And then whoever if I did pass away, we'd have to go to court, try and find out which insurance policy was right. That's where it concerns me. Yep. Oh, no. No. It just goes. Yep. It does. We got 451 4 50 one 450 one. Yep. So I'm paying two so I'm paying two premiums then. But I'm paying two premium. Well, that's all they've got there. I haven't received I haven't received the second policy. All they've given me is that policy. There's nothing else in there. There's nothing there about the next policy. Like, it just that's that's all it's got. It's that one, and it hasn't sent me anything else. So this is the anniversary. This is how much it costs. And just that, it's only got that. It doesn't have any extras. Life insurance to all those six lines, and it's got nothing else in there about anything else about this other add on policy that you're talking about. There's nothing in there at all about it. If you have any problems, just call. So I don't know. I don't know. I surely, they will let me through the add on then. If they sent me through this one, this is policy blocked unless it sent through another date when I changed it. When's when's the date? Yeah. Well, it's only '71, and it just set you up for renewal at $6.50. That's why I don't know if you're saying your end, it's all 1,000,000, but on my end, I read the $6.50. Good. Yep. Yep. Yep. Yep. Yep. Excellent. Come on. There's there's nothing else about the extra. But you're saying there's a bit of a million, but the the way that reads me read that read that to me. That's all I'm covered for. Where where where is the app? So what what what $6.50 and then the $4.51? So what they add that to the $6.50? So my wife's insurance policy so my wife's insurance policy is still only $6.50, though. Because death and terminal illness, $6.50. That's I just oh, I'm just too oh, sorry. I didn't have my glasses on. Death and terminal illness. Right. Right. Okay. Yeah. Okay. Now I see. So I see. I haven't got my glasses on. Modified type. Modified type. It was I don't know why I just wanna put in the one and in charge. I know it's just anyway. Alright. That's so much sense now. So they add them together. So that's the reason for the policy. It's still reason for the two policies. But you know what I mean? Like, it's it's it's always taken up to be a court law. It's one policy number, but it's really two separate things. So people go, which one? And look, I know my sister's a lawyer and basically go, oh, well, the high one's $6.50. We'll pay that and not pay the $4.50. You know what I mean? So it should be one policy. If that went to a court law, because insurance companies are my rules. No. No. There's there's a high one. High one's $6.50. Low one's $4.50. We'll pay you the $6.50. So even though I'm insured for a million, they could argue that I'm not. If you know what I mean. That sounds ridiculous. But but but we we know insurance company's life. If that went to court of law, I passed away and it went to court of law. They're gonna go, no. No. Look. The high $1.06 50. Yeah. This other policy, well, no. That's that's not I I don't know how it works. You can't get paid on two policies even though it's one policy. You know what I'm saying? Like, it went to a court of law. Yeah. But yes. Yep. Well, because one's more expensive than the other. Because one more expensive than the other. I I thought I thought they just cancel one policy. So I thought they just cancel one policy and go this is a new policy and roll it over to the new policy. Because I I just got confused looking at going, what the hell is that? So if I increase again, I'm gonna have a third line. So I increase again to one and a half, and I'm gonna have a third line, and I'm gonna have the it's all the one policy. You know, it just gets too confusing for me, Never mind someone who's grieving that has to deal with, you know, that as well. Anyway, that's that's the way it is. That'd be some legal advice on it because I just don't I know what insurance companies are like because they don't like paying out at all. They're mongrels. It'd be better off canceling policy. And so I'm I'm thinking it'd be better off trying to you guys cancel Zurich, go with someone else, and then I've got the one policy. I know what it's all about. And it's simplified and it's good. You know what I mean? Keep it simple. Well, that probably might be the go because they're having to I I just don't trust them. Like, I've dealt with insurance companies with house claims and everything, and they go maintenance. They don't like paying out, and I don't trust them. And I spoke to people where I know you say, yeah, we'd hold up with the consumer, but they're still challenged in the court of law. So they were to one policy, but two separate lines. You know how they work, legal jargon. There's always a gray area. One word could change that whole policy. One word could say no. One word could mean we pay out the high amount. Because that's what they look for. It's just it's just crazy. But if we could simplify it, so I want the 1.1 one cover with one policy, then there's no grade. There's no look at wording. It's just one thing. Because they're still saying to me, if I increase again and again, I'd have another line and another line and another line, and I have to add them all together to say that it's policy payer. That's that's just wow. That's just crazy. I swear. Yeah. Because yeah. It's just it's because it's anyway, that's the way it is. I just it's just it's a trust issue. I just don't trust insurance companies in my dealings with them in the past. No. No. That is fine. That's fine. What what are the makeup on? I just don't get it. It's actually the way they structure it. I mean, obviously, you guys have done your homework, but I just that's why I'm getting, you know, oh, my car is very 60. I hang on. I've got insurance 60 with this guy, and I was 40 with this guy and 30 with this guy. You wouldn't do it for a car. You wouldn't have two different policies through the same company to value your car. You know what I mean? And and my house my house went up. They don't they don't give me another policy for my house. They just increase the premium. They don't give me a set policy saying it has now valued 1.4 and then and give me another line on my premium. That's what you insured for. They just increased my premium, and that's where I'll get paid out. It's just it's the first time I've come across this life insurance. It's just crazy. Probably do wanna talk to him. So I want to have a look at income protection too, but I think last time it's something like $9,000 for income protection for me when I got a quote. Yes. And with that income check, I mean, I have with that income protection, if I do decide to go ahead with it and you give me that policy, is that where the tax component taken out? No. You get so much back from the tax man if you got income protection. I think it's 50% that you get back. Of course, it's true. Yeah. Yep. So that only takes 15 to 10 to 40 five or whatever if you pay for yourself. It's a hell of a tire if you pay for yourself. Yep. Yeah. Right. Anyway, it's probably probably probably some of this one worth looking at then. I might just look at myself and talk to a few friends who have it rather than go through super because it doesn't sound as beneficial going through super. You gotta get 15% decrease in the policy, and then it doesn't and then and then I lose more earnings on my super because I'm paying an insurance premium from it. You know what I mean? Then my earnings my super go down. I'm taking more out. If you could. Yep. Alright. Okay. Okay. If you could do that so if I can look at that, you know, income protection. And then if you can have a look around life insurance, see if they've got some sort of simplified structure or there's anyone out there that's cheaper or more beneficial or whatever, Wouldn't mind looking at it. Yes. Yeah. That covers it. Yep. Yeah. That that covers the house. It gives my kids I miss a good money. So that's what I need. Yep. Yep. And my man got back from the gym. I'm just gonna get my week fixed. Alright. I got you all then. I'm a 180. Yeah. My I'm the I'm the Grand Palma. That's right. No. No. I'm not. I'm I'm not on the tools now. I'm a statutory official. I'm a deputy. I'm on the health and safety. Alright. Supervisor monitor the men under my control of my district underground. I like to make sure I follow procedures and do everything right and safely and etcetera, etcetera. It's just statutory roles, legislator, but also, basically, health and safety as well. Stop them. They're doing it. Yeah. Pretty much. Wish they are anyway. Boys are the boys. 800. One point excuse me. 1.4. Yep. With car loan for, you know, I think it's about 30,000 now. No. I just bought a ring, so I've only got about $5. So I mhmm. Mhmm. Quite a bit. She she wasn't that. Yep. Yes. She got it. She got it already. Thank you. Yeah. I do. Because I'm showing my children on the moment. I've gotta throw it on, so it goes three ways. So you just give me that paperwork. That's it. She gets she gets a house. No. Doing paperwork, so I might we might stay the same because it might mean she gets a house and kids get the life insurance. We're gonna discuss it at the moment, like, because I discuss what she wants to do with her place and her kids. But I think at this stage, I was thinking yeah. No. I'm going for her. I'll just give her a little bit at least something. Plus the house. Yeah. Oh, it's Fabian, my son. Well, he still need to be contacted. He's my son. And me is my daughter. So they're my two on there at the moment, I believe. Me is my daughter. She's on there. And and if I throw I mean, I could just take it off for something we have, not that will, but, like, I always gotta think the worst. I wanna get the best. Now I can just I can throw Danny on as emergency contact too, can't I? Danny Ella Cacrosse is my partner. She's my fiancee, man. Daniela Krogski, k r k o b s k I. Yep. 0403855815. You should pick up the numbers. I've I lost my phone. I'm still not in four months. Well, it should. Or if you lose the phone, like, yeah. Honey, I'm coming home. I know. There's a lot of people don't. They go, hang on. Do you ask them? They go, I can't even remember their own number. What's your phone number? Just give me your phone. Here. Yeah. Or is that or do you know what do you mean? Yeah. You gotta do it for that phone. And yeah. I know. I'm old school. No. No. I'm actually I've been even more satisfied. Yeah. I had to add vodka now. Now I'm looking hot. I gotta be I gotta fit into my, you know, suit. Gotta look good for her. Yeah. I look like, la la. She's a lucky girl. Even though most people know that I'm lucky. Right? That's all the way around. It's it's men that get lucky. Yeah. I'm trying to get an investment property. So I'm back in the back of my feet now. Probably use the equity and do that soon. Just gotta decide what to do. My goal is to have at least a million dollars instead, which isn't looking too good. I think I'm only at $2.52 53. It's not looking good. A million bucks by the time I retire. Ten years, we're gonna go nowhere close. Unless I have a couple of good years. Yeah. I'll be working till I retire 60 seven sixty seven. That's my retirement age. So I'll be going all the way, I'd say. Yeah. Not yet. Yeah. Yeah. 60 is my super retirement. Yeah. I'm nowhere near fun to go. 50, dude, does any bug or what might be like? You might get $10 each. At least a million. Yep. I'm already high risk. I've already gone high risk. Everything should be high risk through Hub twenty four. I'm not there, and I don't I don't get balanced or anything. Everything should be high. I went to India last year from China, which was a good move because they grew at a high rate. And the rest of shares, technology, health, and all the usual things. The VTF, the T So I pay attention. So it's actually been a reasonable year this year. Probably one of the best of that in the world. I thought I thought it'd be bad. I thought it'd be a bad year with everything that's been going on, but it's actually been a bit better than I thought. Thanks, India. Yep. I have to keep that. Yep. How's the giving work? Yeah. I have I have been thinking about that. Have been thinking about it, but it's high risk. But then all you can do is through the Palm County. So I don't take loan out, but this comes out through my super against my property against my house or against oh, that's through you guys. Right? That's the you you do it for me. I'll do the invest. Yep. Yep. Yep. Yep. Right. Okay. Let's see. So that's all in the funds and then and then the negative ones, I can claim my income tax as well. And then the growth becomes income tax on that. Alright. Yeah. Yep. Yep. Yep. Yep. So I'll do that. I'll just that's me doing it personally, But still in my super fund. But it's against my house and do my super fund. Is that alright? Yep. Yep. Right. Yep. Yep. Yep. You know what? I do like where you're coming from because I've been thinking about this. I've been thinking about going to the bank and getting a loan as well because I can claim the interest on my income tax loan. So there's more on my way to do the cat. You know? But the thing the thing I'm struggling with at the moment is that I've got one more year of child support. So I've sort of I think I'm gonna wait till my child support's gone because it just makes it that much harder. Every time I try and get loans and everything, I got out of my missus on because they just go child support bang. And that stuff's my loan my ability and what I can loan goes from the 10 shit house. Even though I'm on a good income and I've got this and I've got that, they look at that child support and go bang, and they just slaughter me. Exploring. Yeah. She yeah. So she's got another year probably, and she hasn't been to school, so a year and six months. So because I know like, I went to the bank. They gave me preapproved for 1.4, and then they I went to the bank with that, and I can only get 600,000. And as soon as I put my missus on, I was just because the child support went back up to 1.8. I was just like, you're kidding. They're just crazy. I see where they're coming from, but I'm just like, hang on. Any but that's what I wanna look at down the track because otherwise, I'm gonna be retiring. I think I'll be on the street. Yeah. But what see, what's the other one? That's fine. If I do against my house. But option two what was the option two? Option two was Yep. 100 or a 100 and 10%. But what that way does that come off? Please use the equity for that loan, my house again or my super fund. Yep. Yep. Yeah. Yep. Right. And then the option three was not there's one and three. There was an option 3, wasn't there? 12. Yeah. No. Yep. That's right. I I I mentioned the second one because I've gotta do something and it's probably with what's been going on in the world lately, I know the markets are still good, but they've dropped a bit. So it's probably a good time to buy into something good that will recover after all these walls settle down. Yep. K. Okay. You say it. Okay. That sounds probably good then. But as regards to fund go through everything in the fund, I've already read through it all. So I know I'd I'm still India still got better growth in China, so I'll still stay there. Unless you advise otherwise, but I don't know. I think it was pretty good advice I took last year going from China to India. China is still struggling. India seems to be on the up. Oh, China's got China's got China's got is struggling, but yeah. India has just got stronger growth. Yeah. I think I think they wound up doing the GDP was substantially higher compared to China. So yeah. Anyway and the rest is just the usual stuff. I think you see it through Hub 24, which is fine. So that's all good. Nothing besides that. You're happy with the way my funds invested then? Oh, yeah. Alright. That sounds good. Sounds like a good job. Alright. Wonderful. Wonderful. That's I think, yep, some policy is good. Just need to look at options, simplify it, gearing, and protection. Sounds perfect. Sorry. What's your name? Larissa. Larissa. No problem. Sorry. Thank you, Larissa. Much appreciated. Is there anything else we need no. Oh, and the the beneficiaries update too. Yep. Absolutely. No. No. Email. Email is good. Yep. Yep. Oh, that's fine. Alright. Thank you. Much appreciated, Larissa. You have a good day. 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morning. Good morning. Yep. Yep. Absolutely.\n\nPaul Patrick David, Jeremy Janco. 21st And 3rd 3337 Magna Road, Wollongong, New South Wales. Yep. Yep. No.\n\nI went through that last of you, I believe, and it was all okay. And I got a email from Zurich saying I'm still only covered $6.50 for this debt. And when I spoke last time through this process, I said, look, I need a million because that's my house and value that. Like, $6.50 hasn't even paid the house off. You know what I mean?\n\nAbsolutely. And that that's all that was all done. I signed all the paperwork. I went through DocuSign. Everything went through.\n\nAnd then I get a email from Zurich saying you only cut $6.50. So obviously, somewhere between you guys or them, no one changed policy. Yes. From from Zurich? Yep.\n\nAlright. So yep. So I emailed Zurich back saying, like, yeah, other what's going on? Hang on. I'll just pull that now.\n\nSo I'll just double that's fine. Yeah. That's why I threw a customer. Yeah. It went through.\n\nI opened it up. What's the policy number on that? I wouldn't have two, like, because I updated it. They gave me policy and then a yearly yearly payment of $3.09 $3.05 $8.09. $3,144.08 9.\n\nPolicy number 91129371. So what what that's the same policy, and I go down went down through it, and it goes death and modified illness, not 6 5650. Buyback death, $6.50. Yeah. It's all $6.50.\n\n$6.50 60. Buyback death, modified CPD, death and terminal illness, 65915. That's why I'm confused. We're stuck with it. And then you're saying you got the million, but then this email was received.\n\nWhen is it today? July 25. I'll I'll just forward it to you. So what what's your email address? Hang on.\n\nLet's go forward. I emailed them back saying, oh, what's going on? I thought it was a million. I put it back to Zurich saying, I thought I did this with my both of you. A bit disappointed.\n\nBecause something did happen, then it'd be in dispute because this policy states that, and then you're saying you got a policy that states million. And then that's why I know what insurance companies are like. They go, well, no. Hang on. This one says that.\n\nAnd then whoever if I did pass away, we'd have to go to court, try and find out which insurance policy was right. That's where it concerns me. Yep. Oh, no. No.\n\nIt just goes. Yep. It does. We got 451 4 50 one 450 one. Yep.\n\nSo I'm paying two so I'm paying two premiums then. But I'm paying two premium. Well, that's all they've got there. I haven't received I haven't received the second policy. All they've given me is that policy.\n\nThere's nothing else in there. There's nothing there about the next policy. Like, it just that's that's all it's got. It's that one, and it hasn't sent me anything else. So this is the anniversary.\n\nThis is how much it costs. And just that, it's only got that. It doesn't have any extras. Life insurance to all those six lines, and it's got nothing else in there about anything else about this other add on policy that you're talking about. There's nothing in there at all about it.\n\nIf you have any problems, just call. So I don't know. I don't know. I surely, they will let me through the add on then. If they sent me through this one, this is policy blocked unless it sent through another date when I changed it.\n\nWhen's when's the date? Yeah. Well, it's only '71, and it just set you up for renewal at $6.50. That's why I don't know if you're saying your end, it's all 1,000,000, but on my end, I read the $6.50. Good.\n\nYep. Yep. Yep. Yep. Yep.\n\nExcellent. Come on. There's there's nothing else about the extra. But you're saying there's a bit of a million, but the the way that reads me read that read that to me. That's all I'm covered for.\n\nWhere where where is the app? So what what what $6.50 and then the $4.51? So what they add that to the $6.50? So my wife's insurance policy so my wife's insurance policy is still only $6.50, though. Because death and terminal illness, $6.50.\n\nThat's I just oh, I'm just too oh, sorry. I didn't have my glasses on. Death and terminal illness. Right. Right.\n\nOkay. Yeah. Okay. Now I see. So I see.\n\nI haven't got my glasses on. Modified type. Modified type. It was I don't know why I just wanna put in the one and in charge. I know it's just anyway.\n\nAlright. That's so much sense now. So they add them together. So that's the reason for the policy. It's still reason for the two policies.\n\nBut you know what I mean? Like, it's it's it's always taken up to be a court law. It's one policy number, but it's really two separate things. So people go, which one? And look, I know my sister's a lawyer and basically go, oh, well, the high one's $6.50.\n\nWe'll pay that and not pay the $4.50. You know what I mean? So it should be one policy. If that went to a court law, because insurance companies are my rules. No.\n\nNo. There's there's a high one. High one's $6.50. Low one's $4.50. We'll pay you the $6.50.\n\nSo even though I'm insured for a million, they could argue that I'm not. If you know what I mean. That sounds ridiculous. But but but we we know insurance company's life. If that went to court of law, I passed away and it went to court of law.\n\nThey're gonna go, no. No. Look. The high $1.06 50. Yeah.\n\nThis other policy, well, no. That's that's not I I don't know how it works. You can't get paid on two policies even though it's one policy. You know what I'm saying? Like, it went to a court of law.\n\nYeah. But yes. Yep. Well, because one's more expensive than the other. Because one more expensive than the other.\n\nI I thought I thought they just cancel one policy. So I thought they just cancel one policy and go this is a new policy and roll it over to the new policy. Because I I just got confused looking at going, what the hell is that? So if I increase again, I'm gonna have a third line. So I increase again to one and a half, and I'm gonna have a third line, and I'm gonna have the it's all the one policy.\n\nYou know, it just gets too confusing for me, Never mind someone who's grieving that has to deal with, you know, that as well. Anyway, that's that's the way it is. That'd be some legal advice on it because I just don't I know what insurance companies are like because they don't like paying out at all. They're mongrels. It'd be better off canceling policy.\n\nAnd so I'm I'm thinking it'd be better off trying to you guys cancel Zurich, go with someone else, and then I've got the one policy. I know what it's all about. And it's simplified and it's good. You know what I mean? Keep it simple.\n\nWell, that probably might be the go because they're having to I I just don't trust them. Like, I've dealt with insurance companies with house claims and everything, and they go maintenance. They don't like paying out, and I don't trust them. And I spoke to people where I know you say, yeah, we'd hold up with the consumer, but they're still challenged in the court of law. So they were to one policy, but two separate lines.\n\nYou know how they work, legal jargon. There's always a gray area. One word could change that whole policy. One word could say no. One word could mean we pay out the high amount.\n\nBecause that's what they look for. It's just it's just crazy. But if we could simplify it, so I want the 1.1 one cover with one policy, then there's no grade. There's no look at wording. It's just one thing.\n\nBecause they're still saying to me, if I increase again and again, I'd have another line and another line and another line, and I have to add them all together to say that it's policy payer. That's that's just wow. That's just crazy. I swear. Yeah.\n\nBecause yeah. It's just it's because it's anyway, that's the way it is. I just it's just it's a trust issue. I just don't trust insurance companies in my dealings with them in the past. No.\n\nNo. That is fine. That's fine. What what are the makeup on? I just don't get it.\n\nIt's actually the way they structure it. I mean, obviously, you guys have done your homework, but I just that's why I'm getting, you know, oh, my car is very 60. I hang on. I've got insurance 60 with this guy, and I was 40 with this guy and 30 with this guy. You wouldn't do it for a car.\n\nYou wouldn't have two different policies through the same company to value your car. You know what I mean? And and my house my house went up. They don't they don't give me another policy for my house. They just increase the premium.\n\nThey don't give me a set policy saying it has now valued 1.4 and then and give me another line on my premium. That's what you insured for. They just increased my premium, and that's where I'll get paid out. It's just it's the first time I've come across this life insurance. It's just crazy.\n\nProbably do wanna talk to him. So I want to have a look at income protection too, but I think last time it's something like $9,000 for income protection for me when I got a quote. Yes. And with that income check, I mean, I have with that income protection, if I do decide to go ahead with it and you give me that policy, is that where the tax component taken out? No.\n\nYou get so much back from the tax man if you got income protection. I think it's 50% that you get back. Of course, it's true. Yeah. Yep.\n\nSo that only takes 15 to 10 to 40 five or whatever if you pay for yourself. It's a hell of a tire if you pay for yourself. Yep. Yeah. Right.\n\nAnyway, it's probably probably probably some of this one worth looking at then. I might just look at myself and talk to a few friends who have it rather than go through super because it doesn't sound as beneficial going through super. You gotta get 15% decrease in the policy, and then it doesn't and then and then I lose more earnings on my super because I'm paying an insurance premium from it. You know what I mean? Then my earnings my super go down.\n\nI'm taking more out. If you could. Yep. Alright. Okay.\n\nOkay. If you could do that so if I can look at that, you know, income protection. And then if you can have a look around life insurance, see if they've got some sort of simplified structure or there's anyone out there that's cheaper or more beneficial or whatever, Wouldn't mind looking at it. Yes. Yeah.\n\nThat covers it. Yep. Yeah. That that covers the house. It gives my kids I miss a good money.\n\nSo that's what I need. Yep. Yep. And my man got back from the gym. I'm just gonna get my week fixed.\n\nAlright. I got you all then. I'm a 180. Yeah. My I'm the I'm the Grand Palma.\n\nThat's right. No. No. I'm not. I'm I'm not on the tools now.\n\nI'm a statutory official. I'm a deputy. I'm on the health and safety. Alright. Supervisor monitor the men under my control of my district underground.\n\nI like to make sure I follow procedures and do everything right and safely and etcetera, etcetera. It's just statutory roles, legislator, but also, basically, health and safety as well. Stop them. They're doing it. Yeah.\n\nPretty much. Wish they are anyway. Boys are the boys. 800. One point excuse me.\n\n1.4. Yep. With car loan for, you know, I think it's about 30,000 now. No. I just bought a ring, so I've only got about $5.\n\nSo I mhmm. Mhmm. Quite a bit. She she wasn't that. Yep.\n\nYes. She got it. She got it already. Thank you. Yeah.\n\nI do. Because I'm showing my children on the moment. I've gotta throw it on, so it goes three ways. So you just give me that paperwork. That's it.\n\nShe gets she gets a house. No. Doing paperwork, so I might we might stay the same because it might mean she gets a house and kids get the life insurance. We're gonna discuss it at the moment, like, because I discuss what she wants to do with her place and her kids. But I think at this stage, I was thinking yeah.\n\nNo. I'm going for her. I'll just give her a little bit at least something. Plus the house. Yeah.\n\nOh, it's Fabian, my son. Well, he still need to be contacted. He's my son. And me is my daughter. So they're my two on there at the moment, I believe.\n\nMe is my daughter. She's on there. And and if I throw I mean, I could just take it off for something we have, not that will, but, like, I always gotta think the worst. I wanna get the best. Now I can just I can throw Danny on as emergency contact too, can't I?\n\nDanny Ella Cacrosse is my partner. She's my fiancee, man. Daniela Krogski, k r k o b s k I. Yep. 0403855815.\n\nYou should pick up the numbers. I've I lost my phone. I'm still not in four months. Well, it should. Or if you lose the phone, like, yeah.\n\nHoney, I'm coming home. I know. There's a lot of people don't. They go, hang on. Do you ask them?\n\nThey go, I can't even remember their own number. What's your phone number? Just give me your phone. Here. Yeah.\n\nOr is that or do you know what do you mean? Yeah. You gotta do it for that phone. And yeah. I know.\n\nI'm old school. No. No. I'm actually I've been even more satisfied. Yeah.\n\nI had to add vodka now. Now I'm looking hot. I gotta be I gotta fit into my, you know, suit. Gotta look good for her. Yeah.\n\nI look like, la la. She's a lucky girl. Even though most people know that I'm lucky. Right? That's all the way around.\n\nIt's it's men that get lucky. Yeah. I'm trying to get an investment property. So I'm back in the back of my feet now. Probably use the equity and do that soon.\n\nJust gotta decide what to do. My goal is to have at least a million dollars instead, which isn't looking too good. I think I'm only at $2.52 53. It's not looking good. A million bucks by the time I retire.\n\nTen years, we're gonna go nowhere close. Unless I have a couple of good years. Yeah. I'll be working till I retire 60 seven sixty seven. That's my retirement age.\n\nSo I'll be going all the way, I'd say. Yeah. Not yet. Yeah. Yeah.\n\n60 is my super retirement. Yeah. I'm nowhere near fun to go. 50, dude, does any bug or what might be like? You might get $10 each.\n\nAt least a million. Yep. I'm already high risk. I've already gone high risk. Everything should be high risk through Hub twenty four.\n\nI'm not there, and I don't I don't get balanced or anything. Everything should be high. I went to India last year from China, which was a good move because they grew at a high rate. And the rest of shares, technology, health, and all the usual things. The VTF, the T So I pay attention.\n\nSo it's actually been a reasonable year this year. Probably one of the best of that in the world. I thought I thought it'd be bad. I thought it'd be a bad year with everything that's been going on, but it's actually been a bit better than I thought. Thanks, India.\n\nYep. I have to keep that. Yep. How's the giving work? Yeah.\n\nI have I have been thinking about that. Have been thinking about it, but it's high risk. But then all you can do is through the Palm County. So I don't take loan out, but this comes out through my super against my property against my house or against oh, that's through you guys. Right?\n\nThat's the you you do it for me. I'll do the invest. Yep. Yep. Yep.\n\nYep. Right. Okay. Let's see. So that's all in the funds and then and then the negative ones, I can claim my income tax as well.\n\nAnd then the growth becomes income tax on that. Alright. Yeah. Yep. Yep.\n\nYep. Yep. So I'll do that. I'll just that's me doing it personally, But still in my super fund. But it's against my house and do my super fund.\n\nIs that alright? Yep. Yep. Right. Yep.\n\nYep. Yep. You know what? I do like where you're coming from because I've been thinking about this. I've been thinking about going to the bank and getting a loan as well because I can claim the interest on my income tax loan.\n\nSo there's more on my way to do the cat. You know? But the thing the thing I'm struggling with at the moment is that I've got one more year of child support. So I've sort of I think I'm gonna wait till my child support's gone because it just makes it that much harder. Every time I try and get loans and everything, I got out of my missus on because they just go child support bang.\n\nAnd that stuff's my loan my ability and what I can loan goes from the 10 shit house. Even though I'm on a good income and I've got this and I've got that, they look at that child support and go bang, and they just slaughter me. Exploring. Yeah. She yeah.\n\nSo she's got another year probably, and she hasn't been to school, so a year and six months. So because I know like, I went to the bank. They gave me preapproved for 1.4, and then they I went to the bank with that, and I can only get 600,000. And as soon as I put my missus on, I was just because the child support went back up to 1.8. I was just like, you're kidding.\n\nThey're just crazy. I see where they're coming from, but I'm just like, hang on. Any but that's what I wanna look at down the track because otherwise, I'm gonna be retiring. I think I'll be on the street. Yeah.\n\nBut what see, what's the other one? That's fine. If I do against my house. But option two what was the option two? Option two was Yep.\n\n100 or a 100 and 10%. But what that way does that come off? Please use the equity for that loan, my house again or my super fund. Yep. Yep.\n\nYeah. Yep. Right. And then the option three was not there's one and three. There was an option 3, wasn't there?\n\n12. Yeah. No. Yep. That's right.\n\nI I I mentioned the second one because I've gotta do something and it's probably with what's been going on in the world lately, I know the markets are still good, but they've dropped a bit. So it's probably a good time to buy into something good that will recover after all these walls settle down. Yep. K. Okay.\n\nYou say it. Okay. That sounds probably good then. But as regards to fund go through everything in the fund, I've already read through it all. So I know I'd I'm still India still got better growth in China, so I'll still stay there.\n\nUnless you advise otherwise, but I don't know. I think it was pretty good advice I took last year going from China to India. China is still struggling. India seems to be on the up. Oh, China's got China's got China's got is struggling, but yeah.\n\nIndia has just got stronger growth. Yeah. I think I think they wound up doing the GDP was substantially higher compared to China. So yeah. Anyway and the rest is just the usual stuff.\n\nI think you see it through Hub 24, which is fine. So that's all good. Nothing besides that. You're happy with the way my funds invested then? Oh, yeah.\n\nAlright. That sounds good. Sounds like a good job. Alright. Wonderful.\n\nWonderful. That's I think, yep, some policy is good. Just need to look at options, simplify it, gearing, and protection. Sounds perfect. Sorry.\n\nWhat's your name? Larissa. Larissa. No problem. Sorry.\n\nThank you, Larissa. Much appreciated. Is there anything else we need no. Oh, and the the beneficiaries update too. Yep.\n\nAbsolutely. No. No. Email. Email is good.\n\nYep. Yep. Oh, that's fine. Alright. Thank you.\n\nMuch appreciated, Larissa. You have a good day. Thank you.","paragraphs":[{"sentences":[{"text":"Good morning.","start":0.0,"end":0.9,"sentiment":"neutral","sentiment_score":0.2633870840072632},{"text":"Good morning.","start":3.04,"end":3.78,"sentiment":"positive","sentiment_score":0.34010404348373413},{"text":"Yep.","start":13.825001,"end":14.325001,"sentiment":"neutral","sentiment_score":0.1720397174358368},{"text":"Yep.","start":15.585,"end":15.825001,"sentiment":"neutral","sentiment_score":0.13814322650432587},{"text":"Absolutely.","start":15.825001,"end":16.325,"sentiment":"positive","sentiment_score":0.5381106734275818}],"sentiment":"neutral","sentiment_score":0.2936108389071056,"num_words":7,"start":0.0,"end":16.325},{"sentences":[{"text":"Paul Patrick David, Jeremy Janco.","start":28.25,"end":29.77,"sentiment":"neutral","sentiment_score":0.008715318515896797},{"text":"21st And 3rd 3337 Magna Road, Wollongong, New South Wales.","start":29.77,"end":34.11,"sentiment":"neutral","sentiment_score":0.021384055819362403},{"text":"Yep.","start":50.024998,"end":50.524998,"sentiment":"neutral","sentiment_score":0.0010430807014927268},{"text":"Yep.","start":59.38,"end":59.88,"sentiment":"neutral","sentiment_score":-0.08346827328205109},{"text":"No.","start":64.42,"end":64.740005,"sentiment":"neutral","sentiment_score":-0.20703300833702087}],"sentiment":"neutral","sentiment_score":-0.0017800583413595126,"num_words":18,"start":28.25,"end":64.740005},{"sentences":[{"text":"I went through that last of you, I believe, and it was all okay.","start":64.740005,"end":68.395004,"sentiment":"neutral","sentiment_score":-0.158066203551633},{"text":"And I got a email from Zurich saying I'm still only covered $6.50 for this debt.","start":68.395004,"end":72.635,"sentiment":"neutral","sentiment_score":-0.2791721886023879},{"text":"And when I spoke last time through this process, I said, look, I need a million because that's my house and value that.","start":72.635,"end":78.875,"sentiment":"neutral","sentiment_score":-0.25321667609007464},{"text":"Like, $6.50 hasn't even paid the house off.","start":78.875,"end":80.955,"sentiment":"neutral","sentiment_score":-0.31598012894392014},{"text":"You know what I mean?","start":80.955,"end":81.78,"sentiment":"neutral","sentiment_score":-0.1568726658821106}],"sentiment":"neutral","sentiment_score":-0.23963439058173786,"num_words":66,"start":64.740005,"end":81.78},{"sentences":[{"text":"Absolutely.","start":82.74,"end":83.24,"sentiment":"neutral","sentiment_score":0.000933205708861351},{"text":"And that that's all that was all done.","start":83.86,"end":85.38,"sentiment":"neutral","sentiment_score":-0.005265447427518666},{"text":"I signed all the paperwork.","start":85.38,"end":86.52,"sentiment":"neutral","sentiment_score":-0.01600165106356144},{"text":"I went through DocuSign.","start":86.659996,"end":87.799995,"sentiment":"neutral","sentiment_score":-0.020205678418278694},{"text":"Everything went through.","start":88.26,"end":89.14,"sentiment":"neutral","sentiment_score":-0.020780138671398163}],"sentiment":"neutral","sentiment_score":-0.01258865517697164,"num_words":21,"start":82.74,"end":89.14},{"sentences":[{"text":"And then I get a email from Zurich saying you only cut $6.50.","start":89.14,"end":92.52,"sentiment":"neutral","sentiment_score":-0.17359361281761757},{"text":"So obviously, somewhere between you guys or them, no one changed policy.","start":92.659996,"end":96.119995,"sentiment":"neutral","sentiment_score":-0.22065994764367738},{"text":"Yes.","start":121.61,"end":122.009995,"sentiment":"neutral","sentiment_score":-0.044589005410671234},{"text":"From from Zurich?","start":122.009995,"end":124.829994,"sentiment":"neutral","sentiment_score":-0.036165578911701836},{"text":"Yep.","start":125.525,"end":126.025,"sentiment":"neutral","sentiment_score":-0.01233012229204178}],"sentiment":"neutral","sentiment_score":-0.1690017400930325,"num_words":30,"start":89.14,"end":126.025},{"sentences":[{"text":"Alright.","start":126.405,"end":126.885,"sentiment":"neutral","sentiment_score":0.011359890922904016},{"text":"So yep.","start":126.885,"end":129.845,"sentiment":"neutral","sentiment_score":-0.00019651255570352077},{"text":"So I emailed Zurich back saying, like, yeah, other what's going on?","start":129.845,"end":133.30501,"sentiment":"neutral","sentiment_score":-0.05193077555547158},{"text":"Hang on.","start":133.765,"end":134.085,"sentiment":"neutral","sentiment_score":-0.021605231799185276},{"text":"I'll just pull that now.","start":134.085,"end":135.125,"sentiment":"neutral","sentiment_score":0.022279196977615358}],"sentiment":"neutral","sentiment_score":-0.02472804179838435,"num_words":22,"start":126.405,"end":135.125},{"sentences":[{"text":"So I'll just double that's fine.","start":135.125,"end":137.285,"sentiment":"neutral","sentiment_score":0.09704980564614137},{"text":"Yeah.","start":137.285,"end":137.785,"sentiment":"neutral","sentiment_score":0.06475458294153214},{"text":"That's why I threw a customer.","start":138.325,"end":139.705,"sentiment":"neutral","sentiment_score":-0.09161690001686414},{"text":"Yeah.","start":140.34001,"end":140.5,"sentiment":"neutral","sentiment_score":0.02149801328778267},{"text":"It went through.","start":140.5,"end":141.14,"sentiment":"neutral","sentiment_score":0.00880675824979941}],"sentiment":"neutral","sentiment_score":0.008545312044375083,"num_words":17,"start":135.125,"end":141.14},{"sentences":[{"text":"I opened it up.","start":141.14,"end":142.12001,"sentiment":"neutral","sentiment_score":0.005430283490568399},{"text":"What's the policy number on that?","start":143.62001,"end":144.98001,"sentiment":"neutral","sentiment_score":-0.023149798003335793},{"text":"I wouldn't have two, like, because I updated it.","start":144.98001,"end":147.3,"sentiment":"neutral","sentiment_score":-0.16943114168114132},{"text":"They gave me policy and then a yearly yearly payment of $3.09 $3.05 $8.09.","start":147.3,"end":152.36,"sentiment":"neutral","sentiment_score":-0.04338722616168005},{"text":"$3,144.08 9.","start":153.705,"end":155.645,"sentiment":"neutral","sentiment_score":-0.0029732785187661648}],"sentiment":"neutral","sentiment_score":-0.06444073292825903,"num_words":35,"start":141.14,"end":155.645},{"sentences":[{"text":"Policy number 91129371.","start":155.865,"end":159.485,"sentiment":"neutral","sentiment_score":-0.006426380947232246},{"text":"So what what that's the same policy, and I go down went down through it, and it goes death and modified illness, not 6 5650.","start":160.985,"end":172.26001,"sentiment":"neutral","sentiment_score":-0.12118906915187835},{"text":"Buyback death, $6.50.","start":172.8,"end":174.18001,"sentiment":"neutral","sentiment_score":-0.07539689789215724},{"text":"Yeah.","start":177.68001,"end":178.0,"sentiment":"neutral","sentiment_score":-0.04768380522727966},{"text":"It's all $6.50.","start":178.0,"end":179.04001,"sentiment":"neutral","sentiment_score":-0.06162846585114797}],"sentiment":"neutral","sentiment_score":-0.10022187908845288,"num_words":35,"start":155.865,"end":179.04001},{"sentences":[{"text":"$6.50 60.","start":179.04001,"end":179.92,"sentiment":"neutral","sentiment_score":-0.01673405896872282},{"text":"Buyback death, modified CPD, death and terminal illness, 65915.","start":179.92,"end":184.63501,"sentiment":"neutral","sentiment_score":-0.0971075954536597},{"text":"That's why I'm confused.","start":185.815,"end":186.695,"sentiment":"negative","sentiment_score":-0.4467041343450546},{"text":"We're stuck with it.","start":186.695,"end":187.41501,"sentiment":"negative","sentiment_score":-0.45477813482284546},{"text":"And then you're saying you got the million, but then this email was received.","start":187.41501,"end":192.315,"sentiment":"neutral","sentiment_score":-0.1166942904570273}],"sentiment":"neutral","sentiment_score":-0.18627532182092016,"num_words":33,"start":179.04001,"end":192.315},{"sentences":[{"text":"When is it today?","start":194.77501,"end":195.655,"sentiment":"neutral","sentiment_score":-0.013810568721964955},{"text":"July 25.","start":195.655,"end":196.875,"sentiment":"neutral","sentiment_score":-0.0027160821482539177},{"text":"I'll I'll just forward it to you.","start":204.23,"end":205.34999,"sentiment":"neutral","sentiment_score":0.063926314668996},{"text":"So what what's your email address?","start":205.34999,"end":206.95,"sentiment":"neutral","sentiment_score":-0.001237087514406691},{"text":"Hang on.","start":206.95,"end":207.27,"sentiment":"neutral","sentiment_score":-0.01117547694593668}],"sentiment":"neutral","sentiment_score":0.01700172783429956,"num_words":21,"start":194.77501,"end":207.27},{"sentences":[{"text":"Let's go forward.","start":207.27,"end":208.17,"sentiment":"neutral","sentiment_score":0.025334212308128674},{"text":"I emailed them back saying, oh, what's going on?","start":209.03,"end":210.87,"sentiment":"neutral","sentiment_score":-0.11941248426834743},{"text":"I thought it was a million.","start":210.87,"end":211.965,"sentiment":"neutral","sentiment_score":-0.3279836525519689},{"text":"I put it back to Zurich saying, I thought I did this with my both of you.","start":212.045,"end":216.125,"sentiment":"negative","sentiment_score":-0.3737560966435601},{"text":"A bit disappointed.","start":216.125,"end":216.94499,"sentiment":"negative","sentiment_score":-0.6930657823880514}],"sentiment":"neutral","sentiment_score":-0.2999911217607166,"num_words":38,"start":207.27,"end":216.94499},{"sentences":[{"text":"Because something did happen, then it'd be in dispute because this policy states that, and then you're saying you got a policy that states million.","start":218.205,"end":224.22,"sentiment":"negative","sentiment_score":-0.4628625893592834},{"text":"And then that's why I know what insurance companies are like.","start":224.7,"end":227.36,"sentiment":"negative","sentiment_score":-0.41643375158309937},{"text":"They go, well, no.","start":227.42,"end":228.14,"sentiment":"negative","sentiment_score":-0.44803617894649506},{"text":"Hang on.","start":228.14,"end":228.88,"sentiment":"negative","sentiment_score":-0.46205030381679535},{"text":"This one says that.","start":229.42,"end":230.38,"sentiment":"negative","sentiment_score":-0.41587653011083603}],"sentiment":"negative","sentiment_score":-0.44634972707084986,"num_words":46,"start":218.205,"end":230.38},{"sentences":[{"text":"And then whoever if I did pass away, we'd have to go to court, try and find out which insurance policy was right.","start":230.38,"end":236.64,"sentiment":"negative","sentiment_score":-0.4974772735782292},{"text":"That's where it concerns me.","start":237.595,"end":242.175,"sentiment":"neutral","sentiment_score":-0.008737606182694434},{"text":"Yep.","start":251.12999,"end":251.61,"sentiment":"neutral","sentiment_score":0.01833527907729149},{"text":"Oh, no.","start":251.61,"end":252.09,"sentiment":"neutral","sentiment_score":-0.03502225875854492},{"text":"No.","start":252.09,"end":252.33,"sentiment":"neutral","sentiment_score":-0.08783168345689774}],"sentiment":"negative","sentiment_score":-0.36328769515966997,"num_words":32,"start":230.38,"end":252.33},{"sentences":[{"text":"It just goes.","start":252.33,"end":253.15,"sentiment":"neutral","sentiment_score":-0.06572402641177177},{"text":"Yep.","start":254.33,"end":254.73,"sentiment":"neutral","sentiment_score":0.0620192214846611},{"text":"It does.","start":254.73,"end":255.12999,"sentiment":"neutral","sentiment_score":0.08745929598808289},{"text":"We got 451 4 50 one 450 one.","start":255.12999,"end":257.55,"sentiment":"neutral","sentiment_score":0.01355135696940124},{"text":"Yep.","start":264.09,"end":264.59,"sentiment":"neutral","sentiment_score":0.05742914602160454}],"sentiment":"neutral","sentiment_score":0.013707049066821735,"num_words":15,"start":252.33,"end":264.59},{"sentences":[{"text":"So I'm paying two so I'm paying two premiums then.","start":281.25,"end":285.75,"sentiment":"neutral","sentiment_score":-0.009563692845404148},{"text":"But I'm paying two premium.","start":286.77,"end":288.07,"sentiment":"neutral","sentiment_score":-0.1482452243566513},{"text":"Well, that's all they've got there.","start":294.825,"end":296.445,"sentiment":"neutral","sentiment_score":-0.10437268267075221},{"text":"I haven't received I haven't received the second policy.","start":296.905,"end":299.225,"sentiment":"neutral","sentiment_score":-0.16649792591730753},{"text":"All they've given me is that policy.","start":299.225,"end":300.845,"sentiment":"neutral","sentiment_score":-0.14811952412128448}],"sentiment":"neutral","sentiment_score":-0.10806532833423163,"num_words":37,"start":281.25,"end":300.845},{"sentences":[{"text":"There's nothing else in there.","start":301.865,"end":303.485,"sentiment":"neutral","sentiment_score":-0.23037481009960176},{"text":"There's nothing there about the next policy.","start":304.745,"end":306.425,"sentiment":"neutral","sentiment_score":-0.22012523242405482},{"text":"Like, it just that's that's all it's got.","start":306.425,"end":307.865,"sentiment":"neutral","sentiment_score":-0.1330975443124771},{"text":"It's that one, and it hasn't sent me anything else.","start":307.865,"end":309.965,"sentiment":"neutral","sentiment_score":-0.12014461234211922},{"text":"So this is the anniversary.","start":310.12997,"end":311.11,"sentiment":"neutral","sentiment_score":0.02815592512488365}],"sentiment":"neutral","sentiment_score":-0.13766278656465666,"num_words":35,"start":301.865,"end":311.11},{"sentences":[{"text":"This is how much it costs.","start":311.33,"end":312.38998,"sentiment":"neutral","sentiment_score":0.0680426862090826},{"text":"And just that, it's only got that.","start":312.61,"end":314.21,"sentiment":"neutral","sentiment_score":0.04878415859171322},{"text":"It doesn't have any extras.","start":314.21,"end":315.59,"sentiment":"neutral","sentiment_score":0.03534437865018845},{"text":"Life insurance to all those six lines, and it's got nothing else in there about anything else about this other add on policy that you're talking about.","start":315.88998,"end":323.56998,"sentiment":"neutral","sentiment_score":-0.008069233072024805},{"text":"There's nothing in there at all about it.","start":323.56998,"end":325.425,"sentiment":"neutral","sentiment_score":-0.1909224633127451}],"sentiment":"neutral","sentiment_score":-0.015448714694324529,"num_words":53,"start":311.33,"end":325.425},{"sentences":[{"text":"If you have any problems, just call.","start":325.985,"end":327.685,"sentiment":"neutral","sentiment_score":-0.18868262001446315},{"text":"So I don't know.","start":329.425,"end":330.305,"sentiment":"neutral","sentiment_score":-0.20984866470098495},{"text":"I don't know.","start":330.305,"end":330.78497,"sentiment":"neutral","sentiment_score":-0.2495417445898056},{"text":"I surely, they will let me through the add on then.","start":330.78497,"end":334.94498,"sentiment":"neutral","sentiment_score":-0.08298838172446597},{"text":"If they sent me through this one, this is policy blocked unless it sent through another date when I changed it.","start":334.94498,"end":340.00497,"sentiment":"neutral","sentiment_score":-0.29225848828043255}],"sentiment":"neutral","sentiment_score":-0.21650214533766973,"num_words":46,"start":325.985,"end":340.00497},{"sentences":[{"text":"When's when's the date?","start":342.58,"end":343.72,"sentiment":"neutral","sentiment_score":-0.03729225951246917},{"text":"Yeah.","start":348.58,"end":348.74,"sentiment":"neutral","sentiment_score":0.006054430268704891},{"text":"Well, it's only '71, and it just set you up for renewal at $6.50.","start":348.74,"end":352.02,"sentiment":"neutral","sentiment_score":-0.01266063832943993},{"text":"That's why I don't know if you're saying your end, it's all 1,000,000, but on my end, I read the $6.50.","start":352.02,"end":358.105,"sentiment":"neutral","sentiment_score":-0.035762915365575326},{"text":"Good.","start":360.165,"end":360.665,"sentiment":"neutral","sentiment_score":0.31779518723487854}],"sentiment":"neutral","sentiment_score":-0.01838023365452522,"num_words":41,"start":342.58,"end":360.665},{"sentences":[{"text":"Yep.","start":376.38,"end":376.88,"sentiment":"neutral","sentiment_score":0.015063690952956676},{"text":"Yep.","start":380.94,"end":381.435,"sentiment":"neutral","sentiment_score":0.010716238990426064},{"text":"Yep.","start":381.435,"end":381.935,"sentiment":"neutral","sentiment_score":0.00682121142745018},{"text":"Yep.","start":387.7575,"end":388.2575,"sentiment":"neutral","sentiment_score":0.00958215817809105},{"text":"Yep.","start":396.08,"end":396.58,"sentiment":"neutral","sentiment_score":0.007309306412935257}],"sentiment":"neutral","sentiment_score":0.009898521192371845,"num_words":5,"start":376.38,"end":396.58},{"sentences":[{"text":"Excellent.","start":397.59998,"end":398.08,"sentiment":"positive","sentiment_score":0.5077791213989258},{"text":"Come on.","start":398.08,"end":398.8,"sentiment":"neutral","sentiment_score":0.2726057544350624},{"text":"There's there's nothing else about the extra.","start":398.8,"end":400.97998,"sentiment":"neutral","sentiment_score":-0.027856291936976568},{"text":"But you're saying there's a bit of a million, but the the way that reads me read that read that to me.","start":401.19998,"end":405.19998,"sentiment":"neutral","sentiment_score":-0.04716348190876571},{"text":"That's all I'm covered for.","start":405.19998,"end":406.5,"sentiment":"neutral","sentiment_score":-0.015625941567122936}],"sentiment":"neutral","sentiment_score":-0.006965668192385016,"num_words":37,"start":397.59998,"end":406.5},{"sentences":[{"text":"Where where where is the app?","start":419.695,"end":421.315,"sentiment":"neutral","sentiment_score":-0.022060716679940622},{"text":"So what what what $6.50 and then the $4.51?","start":422.37,"end":425.51,"sentiment":"neutral","sentiment_score":-0.029785183775756095},{"text":"So what they add that to the $6.50?","start":425.73,"end":427.99,"sentiment":"neutral","sentiment_score":-0.01839707768522203},{"text":"So my wife's insurance policy so my wife's insurance policy is still only $6.50, though.","start":428.21,"end":433.43,"sentiment":"neutral","sentiment_score":-0.03648305535316467},{"text":"Because death and terminal illness, $6.50.","start":433.73,"end":435.99,"sentiment":"neutral","sentiment_score":-0.05650018031398455}],"sentiment":"neutral","sentiment_score":-0.03258760199374096,"num_words":44,"start":419.695,"end":435.99},{"sentences":[{"text":"That's I just oh, I'm just too oh, sorry.","start":437.875,"end":440.51498,"sentiment":"neutral","sentiment_score":-0.08630912792351511},{"text":"I didn't have my glasses on.","start":440.51498,"end":441.79498,"sentiment":"neutral","sentiment_score":-0.11262140795588493},{"text":"Death and terminal illness.","start":441.79498,"end":443.175,"sentiment":"neutral","sentiment_score":-0.04126436123624444},{"text":"Right.","start":443.315,"end":443.815,"sentiment":"neutral","sentiment_score":-0.03097899630665779},{"text":"Right.","start":444.915,"end":445.415,"sentiment":"neutral","sentiment_score":-0.010756082832813265}],"sentiment":"neutral","sentiment_score":-0.0790144344348283,"num_words":21,"start":437.875,"end":445.415},{"sentences":[{"text":"Okay.","start":445.555,"end":446.055,"sentiment":"neutral","sentiment_score":-0.01617174968123436},{"text":"Yeah.","start":447.635,"end":447.875,"sentiment":"neutral","sentiment_score":-0.00918350461870432},{"text":"Okay.","start":447.875,"end":448.195,"sentiment":"neutral","sentiment_score":-0.01164449006319046},{"text":"Now I see.","start":448.195,"end":448.995,"sentiment":"neutral","sentiment_score":-0.014066902920603752},{"text":"So I see.","start":448.995,"end":449.475,"sentiment":"neutral","sentiment_score":-0.032375914976000786}],"sentiment":"neutral","sentiment_score":-0.019592022005882528,"num_words":9,"start":445.555,"end":449.475},{"sentences":[{"text":"I haven't got my glasses on.","start":449.475,"end":450.675,"sentiment":"neutral","sentiment_score":-0.0839299454043309},{"text":"Modified type.","start":450.675,"end":451.315,"sentiment":"neutral","sentiment_score":-0.019338455982506275},{"text":"Modified type.","start":451.315,"end":452.215,"sentiment":"neutral","sentiment_score":0.0065927389077842236},{"text":"It was I don't know why I just wanna put in the one and in charge.","start":452.68,"end":456.68,"sentiment":"neutral","sentiment_score":-0.13368328288197517},{"text":"I know it's just anyway.","start":456.68,"end":458.3,"sentiment":"neutral","sentiment_score":-0.05193179920315742}],"sentiment":"neutral","sentiment_score":-0.09444072995815546,"num_words":31,"start":449.475,"end":458.3},{"sentences":[{"text":"Alright.","start":458.36,"end":458.75998,"sentiment":"neutral","sentiment_score":0.10240449011325836},{"text":"That's so much sense now.","start":458.75998,"end":460.3,"sentiment":"neutral","sentiment_score":0.16729325652122498},{"text":"So they add them together.","start":460.36,"end":461.41998,"sentiment":"neutral","sentiment_score":0.10839712619781494},{"text":"So that's the reason for the policy.","start":462.91998,"end":464.46,"sentiment":"neutral","sentiment_score":0.025479899187173163},{"text":"It's still reason for the two policies.","start":465.87997,"end":467.41998,"sentiment":"neutral","sentiment_score":0.016796980452324663}],"sentiment":"neutral","sentiment_score":0.0710717824473977,"num_words":25,"start":458.36,"end":467.41998},{"sentences":[{"text":"But you know what I mean?","start":468.585,"end":469.385,"sentiment":"neutral","sentiment_score":-0.028082973634203274},{"text":"Like, it's it's it's always taken up to be a court law.","start":469.385,"end":471.945,"sentiment":"neutral","sentiment_score":-0.0006807358004152775},{"text":"It's one policy number, but it's really two separate things.","start":471.945,"end":474.925,"sentiment":"neutral","sentiment_score":0.009215605072677135},{"text":"So people go, which one?","start":475.225,"end":476.665,"sentiment":"neutral","sentiment_score":-0.00031088646501302686},{"text":"And look, I know my sister's a lawyer and basically go, oh, well, the high one's $6.50.","start":476.665,"end":480.825,"sentiment":"neutral","sentiment_score":-0.017087372567723778}],"sentiment":"neutral","sentiment_score":-0.0075310077331960205,"num_words":50,"start":468.585,"end":480.825},{"sentences":[{"text":"We'll pay that and not pay the $4.50.","start":480.825,"end":483.16,"sentiment":"neutral","sentiment_score":-0.06942074466496706},{"text":"You know what I mean?","start":483.16,"end":484.12,"sentiment":"neutral","sentiment_score":-0.03955107480287552},{"text":"So it should be one policy.","start":484.12,"end":485.58,"sentiment":"neutral","sentiment_score":-0.013220607303082943},{"text":"If that went to a court law, because insurance companies are my rules.","start":485.8,"end":489.26,"sentiment":"neutral","sentiment_score":-0.10367542333327807},{"text":"No.","start":489.4,"end":489.56,"sentiment":"neutral","sentiment_score":-0.22626832127571103}],"sentiment":"neutral","sentiment_score":-0.07292405453821023,"num_words":33,"start":480.825,"end":489.56},{"sentences":[{"text":"No.","start":489.56,"end":489.8,"sentiment":"neutral","sentiment_score":-0.23050963878631592},{"text":"There's there's a high one.","start":489.8,"end":491.0,"sentiment":"neutral","sentiment_score":-0.14542295038700104},{"text":"High one's $6.50.","start":491.0,"end":491.96,"sentiment":"neutral","sentiment_score":-0.07986999799807866},{"text":"Low one's $4.50.","start":491.96,"end":492.84,"sentiment":"neutral","sentiment_score":-0.08529567966858546},{"text":"We'll pay you the $6.50.","start":492.84,"end":494.22,"sentiment":"neutral","sentiment_score":-0.06595207676291466}],"sentiment":"neutral","sentiment_score":-0.10487540044328746,"num_words":17,"start":489.56,"end":494.22},{"sentences":[{"text":"So even though I'm insured for a million, they could argue that I'm not.","start":494.715,"end":497.935,"sentiment":"neutral","sentiment_score":-0.27569557087762014},{"text":"If you know what I mean.","start":499.59497,"end":500.47498,"sentiment":"neutral","sentiment_score":-0.20197110871473947},{"text":"That sounds ridiculous.","start":500.47498,"end":501.375,"sentiment":"negative","sentiment_score":-0.4906119803587596},{"text":"But but but we we know insurance company's life.","start":505.75497,"end":508.30002,"sentiment":"neutral","sentiment_score":-0.1314473127325376},{"text":"If that went to court of law, I passed away and it went to court of law.","start":508.30002,"end":511.26,"sentiment":"neutral","sentiment_score":-0.2728232355678783}],"sentiment":"neutral","sentiment_score":-0.2523351307122075,"num_words":49,"start":494.715,"end":511.26},{"sentences":[{"text":"They're gonna go, no.","start":511.26,"end":512.3,"sentiment":"neutral","sentiment_score":-0.1792343631386757},{"text":"No.","start":512.3,"end":512.54,"sentiment":"neutral","sentiment_score":-0.16468825936317444},{"text":"Look.","start":512.54,"end":513.02,"sentiment":"neutral","sentiment_score":-0.10297060757875444},{"text":"The high $1.06 50.","start":513.02,"end":514.4,"sentiment":"neutral","sentiment_score":-0.08467049337923527},{"text":"Yeah.","start":514.46,"end":514.78,"sentiment":"neutral","sentiment_score":-0.06436567008495331}],"sentiment":"neutral","sentiment_score":-0.12614945119077509,"num_words":11,"start":511.26,"end":514.78},{"sentences":[{"text":"This other policy, well, no.","start":514.78,"end":516.14,"sentiment":"neutral","sentiment_score":-0.1690252333879471},{"text":"That's that's not I I don't know how it works.","start":516.14,"end":518.22003,"sentiment":"neutral","sentiment_score":-0.23347491323947905},{"text":"You can't get paid on two policies even though it's one policy.","start":518.22003,"end":521.76,"sentiment":"neutral","sentiment_score":-0.24085444336136183},{"text":"You know what I'm saying?","start":522.06,"end":522.94495,"sentiment":"neutral","sentiment_score":-0.1259400427341461},{"text":"Like, it went to a court of law.","start":522.94495,"end":524.485,"sentiment":"neutral","sentiment_score":-0.12108121253550053}],"sentiment":"neutral","sentiment_score":-0.19171196334064006,"num_words":40,"start":514.78,"end":524.485},{"sentences":[{"text":"Yeah.","start":526.14496,"end":526.38495,"sentiment":"neutral","sentiment_score":-0.05209413170814514},{"text":"But yes.","start":526.38495,"end":533.52496,"sentiment":"neutral","sentiment_score":-0.014526816084980965},{"text":"Yep.","start":546.30005,"end":546.80005,"sentiment":"neutral","sentiment_score":0.020017866045236588},{"text":"Well, because one's more expensive than the other.","start":547.74,"end":549.92004,"sentiment":"neutral","sentiment_score":-0.1681338232010603},{"text":"Because one more expensive than the other.","start":551.15497,"end":552.855,"sentiment":"neutral","sentiment_score":-0.20627161115407944}],"sentiment":"neutral","sentiment_score":-0.1500053558694689,"num_words":19,"start":526.14496,"end":552.855},{"sentences":[{"text":"I I thought I thought they just cancel one policy.","start":556.035,"end":558.295,"sentiment":"neutral","sentiment_score":-0.0908551886677742},{"text":"So I thought they just cancel one policy and go this is a new policy and roll it over to the new policy.","start":558.995,"end":564.535,"sentiment":"neutral","sentiment_score":-0.06876143715951753},{"text":"Because I I just got confused looking at going, what the hell is that?","start":564.79,"end":567.43,"sentiment":"neutral","sentiment_score":-0.29671360020126614},{"text":"So if I increase again, I'm gonna have a third line.","start":567.43,"end":570.41003,"sentiment":"neutral","sentiment_score":-0.10094508799639615},{"text":"So I increase again to one and a half, and I'm gonna have a third line, and I'm gonna have the it's all the one policy.","start":570.87,"end":575.83,"sentiment":"neutral","sentiment_score":-0.013597157425605334}],"sentiment":"neutral","sentiment_score":-0.09652354053798176,"num_words":84,"start":556.035,"end":575.83},{"sentences":[{"text":"You know, it just gets too confusing for me, Never mind someone who's grieving that has to deal with, you know, that as well.","start":575.83,"end":582.375,"sentiment":"negative","sentiment_score":-0.3840806130319834},{"text":"Anyway, that's that's the way it is.","start":583.39496,"end":584.755,"sentiment":"neutral","sentiment_score":-0.11582172236272267},{"text":"That'd be some legal advice on it because I just don't I know what insurance companies are like because they don't like paying out at all.","start":584.755,"end":590.135,"sentiment":"negative","sentiment_score":-0.353140448148434},{"text":"They're mongrels.","start":591.14,"end":591.72,"sentiment":"negative","sentiment_score":-0.4851611405611038},{"text":"It'd be better off canceling policy.","start":594.34,"end":596.04,"sentiment":"neutral","sentiment_score":-0.2870681981245677}],"sentiment":"negative","sentiment_score":-0.33697030601593164,"num_words":65,"start":575.83,"end":596.04},{"sentences":[{"text":"And so I'm I'm thinking it'd be better off trying to you guys cancel Zurich, go with someone else, and then I've got the one policy.","start":596.1,"end":602.18,"sentiment":"neutral","sentiment_score":-0.189066052580109},{"text":"I know what it's all about.","start":602.18,"end":603.48,"sentiment":"neutral","sentiment_score":0.05324698550005754},{"text":"And it's simplified and it's good.","start":603.7,"end":605.72,"sentiment":"neutral","sentiment_score":0.251867339015007},{"text":"You know what I mean?","start":607.145,"end":607.86505,"sentiment":"neutral","sentiment_score":0.05268471240997315},{"text":"Keep it simple.","start":607.86505,"end":610.28503,"sentiment":"neutral","sentiment_score":0.14664308975140253}],"sentiment":"neutral","sentiment_score":-0.05177562149322551,"num_words":46,"start":596.1,"end":610.28503},{"sentences":[{"text":"Well, that probably might be the go because they're having to I I just don't trust them.","start":620.32,"end":623.76,"sentiment":"neutral","sentiment_score":-0.3162069320678711},{"text":"Like, I've dealt with insurance companies with house claims and everything, and they go maintenance.","start":623.76,"end":628.16,"sentiment":"neutral","sentiment_score":-0.12686134030421575},{"text":"They don't like paying out, and I don't trust them.","start":628.16,"end":630.5,"sentiment":"negative","sentiment_score":-0.6708180069923401},{"text":"And I spoke to people where I know you say, yeah, we'd hold up with the consumer, but they're still challenged in the court of law.","start":630.8,"end":636.685,"sentiment":"neutral","sentiment_score":-0.1910545748586838},{"text":"So they were to one policy, but two separate lines.","start":636.685,"end":639.58496,"sentiment":"neutral","sentiment_score":-0.05423152334988117}],"sentiment":"neutral","sentiment_score":-0.24995323332647482,"num_words":78,"start":620.32,"end":639.58496},{"sentences":[{"text":"You know how they work, legal jargon.","start":640.125,"end":641.645,"sentiment":"neutral","sentiment_score":-0.06791842143450465},{"text":"There's always a gray area.","start":641.645,"end":642.685,"sentiment":"neutral","sentiment_score":-0.1772860825061798},{"text":"One word could change that whole policy.","start":642.685,"end":645.265,"sentiment":"neutral","sentiment_score":-0.14549178310803004},{"text":"One word could say no.","start":645.725,"end":646.765,"sentiment":"neutral","sentiment_score":-0.10038619339466096},{"text":"One word could mean we pay out the high amount.","start":646.765,"end":649.02496,"sentiment":"neutral","sentiment_score":-0.12278697341680526}],"sentiment":"neutral","sentiment_score":-0.12088536898441174,"num_words":34,"start":640.125,"end":649.02496},{"sentences":[{"text":"Because that's what they look for.","start":649.66,"end":651.02,"sentiment":"neutral","sentiment_score":-0.1588782618443171},{"text":"It's just it's just crazy.","start":651.02,"end":652.48,"sentiment":"neutral","sentiment_score":-0.22687022387981415},{"text":"But if we could simplify it, so I want the 1.1 one cover with one policy, then there's no grade.","start":653.34,"end":659.66,"sentiment":"neutral","sentiment_score":-0.007685608882457018},{"text":"There's no look at wording.","start":659.66,"end":661.18,"sentiment":"neutral","sentiment_score":-0.07610931247472763},{"text":"It's just one thing.","start":661.18,"end":662.56,"sentiment":"neutral","sentiment_score":-0.026530900970101357}],"sentiment":"neutral","sentiment_score":-0.06820007585920393,"num_words":40,"start":649.66,"end":662.56},{"sentences":[{"text":"Because they're still saying to me, if I increase again and again, I'd have another line and another line and another line, and I have to add them all together to say that it's policy payer.","start":663.675,"end":672.575,"sentiment":"neutral","sentiment_score":-0.028074609400290582},{"text":"That's that's just wow.","start":674.955,"end":677.38995,"sentiment":"neutral","sentiment_score":-0.22890715301036835},{"text":"That's just crazy.","start":677.85,"end":678.75,"sentiment":"neutral","sentiment_score":-0.3112628956635793},{"text":"I swear.","start":679.12994,"end":679.79,"sentiment":"negative","sentiment_score":-0.3776640146970749},{"text":"Yeah.","start":693.315,"end":693.635,"sentiment":"neutral","sentiment_score":-0.023643750697374344}],"sentiment":"neutral","sentiment_score":-0.0791103264681347,"num_words":46,"start":663.675,"end":693.635},{"sentences":[{"text":"Because yeah.","start":693.635,"end":694.03503,"sentiment":"neutral","sentiment_score":-0.030854355543851856},{"text":"It's just it's because it's anyway, that's the way it is.","start":694.03503,"end":697.79504,"sentiment":"neutral","sentiment_score":-0.07143758271228183},{"text":"I just it's just it's a trust issue.","start":697.79504,"end":699.47504,"sentiment":"neutral","sentiment_score":-0.17459302488714457},{"text":"I just don't trust insurance companies in my dealings with them in the past.","start":699.47504,"end":704.055,"sentiment":"neutral","sentiment_score":-0.2780197166970798},{"text":"No.","start":709.99,"end":710.23,"sentiment":"neutral","sentiment_score":-0.09655170142650604}],"sentiment":"neutral","sentiment_score":-0.17314150153348842,"num_words":36,"start":693.635,"end":710.23},{"sentences":[{"text":"No.","start":710.23,"end":710.39,"sentiment":"neutral","sentiment_score":-0.09135353565216064},{"text":"That is fine.","start":710.39,"end":711.37,"sentiment":"neutral","sentiment_score":0.03718599925438563},{"text":"That's fine.","start":713.99,"end":714.47,"sentiment":"neutral","sentiment_score":0.13986078277230263},{"text":"What what are the makeup on?","start":714.47,"end":715.58997,"sentiment":"neutral","sentiment_score":-0.045598809296886124},{"text":"I just don't get it.","start":715.58997,"end":716.39,"sentiment":"neutral","sentiment_score":-0.14855667501688002}],"sentiment":"neutral","sentiment_score":-0.04214412960059503,"num_words":17,"start":710.23,"end":716.39},{"sentences":[{"text":"It's actually the way they structure it.","start":716.39,"end":718.035,"sentiment":"neutral","sentiment_score":-0.06610255848084177},{"text":"I mean, obviously, you guys have done your homework, but I just that's why I'm getting, you know, oh, my car is very 60.","start":718.27496,"end":723.95496,"sentiment":"neutral","sentiment_score":-0.026296775555238128},{"text":"I hang on.","start":723.95496,"end":724.355,"sentiment":"neutral","sentiment_score":-0.07795054962237676},{"text":"I've got insurance 60 with this guy, and I was 40 with this guy and 30 with this guy.","start":724.355,"end":728.75494,"sentiment":"neutral","sentiment_score":-0.07649592329796992},{"text":"You wouldn't do it for a car.","start":728.75494,"end":730.035,"sentiment":"neutral","sentiment_score":-0.25392039333071026}],"sentiment":"neutral","sentiment_score":-0.0759759577922523,"num_words":60,"start":716.39,"end":730.035},{"sentences":[{"text":"You wouldn't have two different policies through the same company to value your car.","start":730.035,"end":733.95996,"sentiment":"neutral","sentiment_score":-0.14890494410480773},{"text":"You know what I mean?","start":733.95996,"end":734.94,"sentiment":"neutral","sentiment_score":-0.07009654343128205},{"text":"And and my house my house went up.","start":736.6,"end":739.1,"sentiment":"neutral","sentiment_score":-0.017520850989967585},{"text":"They don't they don't give me another policy for my house.","start":739.32,"end":741.64,"sentiment":"neutral","sentiment_score":-0.2145117148756981},{"text":"They just increase the premium.","start":741.64,"end":742.94,"sentiment":"neutral","sentiment_score":-0.28273398280143736}],"sentiment":"neutral","sentiment_score":-0.1476422679112401,"num_words":43,"start":730.035,"end":742.94},{"sentences":[{"text":"They don't give me a set policy saying it has now valued 1.4 and then and give me another line on my premium.","start":743.16,"end":748.55505,"sentiment":"neutral","sentiment_score":-0.22615492181933444},{"text":"That's what you insured for.","start":748.55505,"end":749.91504,"sentiment":"neutral","sentiment_score":-0.1261736422777176},{"text":"They just increased my premium, and that's where I'll get paid out.","start":749.91504,"end":753.275,"sentiment":"neutral","sentiment_score":-0.0881785365442435},{"text":"It's just it's the first time I've come across this life insurance.","start":753.275,"end":756.655,"sentiment":"neutral","sentiment_score":-0.13474113369981447},{"text":"It's just crazy.","start":756.715,"end":757.695,"sentiment":"neutral","sentiment_score":-0.31087509791056317}],"sentiment":"neutral","sentiment_score":-0.17163804999806664,"num_words":55,"start":743.16,"end":757.695},{"sentences":[{"text":"Probably do wanna talk to him.","start":760.23004,"end":761.27,"sentiment":"neutral","sentiment_score":-0.09605693941315015},{"text":"So I want to have a look at income protection too, but I think last time it's something like $9,000 for income protection for me when I got a quote.","start":761.27,"end":769.61005,"sentiment":"neutral","sentiment_score":0.016992439205447834},{"text":"Yes.","start":782.525,"end":783.025,"sentiment":"neutral","sentiment_score":0.30631452798843384},{"text":"And with that income check, I mean, I have with that income protection, if I do decide to go ahead with it and you give me that policy, is that where the tax component taken out?","start":797.07,"end":807.285,"sentiment":"neutral","sentiment_score":0.10207315099736054},{"text":"No.","start":807.285,"end":807.52496,"sentiment":"neutral","sentiment_score":-0.17855283617973328}],"sentiment":"neutral","sentiment_score":0.05048414415402992,"num_words":74,"start":760.23004,"end":807.52496},{"sentences":[{"text":"You get so much back from the tax man if you got income protection.","start":807.52496,"end":811.625,"sentiment":"neutral","sentiment_score":-0.024942649794476374},{"text":"I think it's 50% that you get back.","start":811.685,"end":814.04,"sentiment":"neutral","sentiment_score":0.2594301551580429},{"text":"Of course, it's true.","start":815.22,"end":816.26,"sentiment":"neutral","sentiment_score":0.25164077803492546},{"text":"Yeah.","start":816.26,"end":816.76,"sentiment":"neutral","sentiment_score":0.2041081339120865},{"text":"Yep.","start":835.785,"end":836.285,"sentiment":"neutral","sentiment_score":0.23938024044036865}],"sentiment":"neutral","sentiment_score":0.11343912966549397,"num_words":28,"start":807.52496,"end":836.285},{"sentences":[{"text":"So that only takes 15 to 10 to 40 five or whatever if you pay for yourself.","start":839.64,"end":843.89996,"sentiment":"neutral","sentiment_score":0.018809558495002633},{"text":"It's a hell of a tire if you pay for yourself.","start":844.92,"end":846.86,"sentiment":"neutral","sentiment_score":-0.21475699916481972},{"text":"Yep.","start":852.44,"end":852.94,"sentiment":"neutral","sentiment_score":0.13465045392513275},{"text":"Yeah.","start":865.54504,"end":865.705,"sentiment":"neutral","sentiment_score":0.06525283306837082},{"text":"Right.","start":865.705,"end":865.945,"sentiment":"neutral","sentiment_score":0.06037363037467003}],"sentiment":"neutral","sentiment_score":-0.05749314771063866,"num_words":31,"start":839.64,"end":865.945},{"sentences":[{"text":"Anyway, it's probably probably probably some of this one worth looking at then.","start":865.945,"end":869.16003,"sentiment":"neutral","sentiment_score":0.016842740659530345},{"text":"I might just look at myself and talk to a few friends who have it rather than go through super because it doesn't sound as beneficial going through super.","start":869.16003,"end":875.4,"sentiment":"neutral","sentiment_score":-0.028412888276165928},{"text":"You gotta get 15% decrease in the policy, and then it doesn't and then and then I lose more earnings on my super because I'm paying an insurance premium from it.","start":875.4,"end":883.265,"sentiment":"neutral","sentiment_score":-0.1600767752576259},{"text":"You know what I mean?","start":883.265,"end":884.245,"sentiment":"neutral","sentiment_score":-0.09123650044202805},{"text":"Then my earnings my super go down.","start":884.46497,"end":886.385,"sentiment":"neutral","sentiment_score":-0.1392421073147229}],"sentiment":"neutral","sentiment_score":-0.08233265197452377,"num_words":85,"start":865.945,"end":886.385},{"sentences":[{"text":"I'm taking more out.","start":886.385,"end":887.605,"sentiment":"neutral","sentiment_score":-0.09188197553157806},{"text":"If you could.","start":892.785,"end":893.585,"sentiment":"neutral","sentiment_score":0.013365882138411203},{"text":"Yep.","start":893.585,"end":894.085,"sentiment":"neutral","sentiment_score":0.04129805415868759},{"text":"Alright.","start":898.07,"end":898.57,"sentiment":"neutral","sentiment_score":0.06679920852184296},{"text":"Okay.","start":901.59,"end":902.09,"sentiment":"neutral","sentiment_score":0.06916636973619461}],"sentiment":"neutral","sentiment_score":-0.015016662329435349,"num_words":10,"start":886.385,"end":902.09},{"sentences":[{"text":"Okay.","start":908.105,"end":908.50494,"sentiment":"neutral","sentiment_score":0.06827889382839203},{"text":"If you could do that so if I can look at that, you know, income protection.","start":908.50494,"end":911.32495,"sentiment":"neutral","sentiment_score":0.059570080833509564},{"text":"And then if you can have a look around life insurance, see if they've got some sort of simplified structure or there's anyone out there that's cheaper or more beneficial or whatever, Wouldn't mind looking at it.","start":911.70496,"end":922.46,"sentiment":"neutral","sentiment_score":0.07225425460854092},{"text":"Yes.","start":925.56,"end":925.88,"sentiment":"neutral","sentiment_score":0.039366066455841064},{"text":"Yeah.","start":925.88,"end":926.12,"sentiment":"neutral","sentiment_score":0.028435343876481056}],"sentiment":"neutral","sentiment_score":0.06718944675023002,"num_words":56,"start":908.105,"end":926.12},{"sentences":[{"text":"That covers it.","start":926.12,"end":927.34,"sentiment":"neutral","sentiment_score":0.013234599183003107},{"text":"Yep.","start":928.60004,"end":929.0,"sentiment":"neutral","sentiment_score":0.14225485920906067},{"text":"Yeah.","start":929.0,"end":929.24,"sentiment":"neutral","sentiment_score":0.25261205434799194},{"text":"That that covers the house.","start":929.24,"end":930.28,"sentiment":"positive","sentiment_score":0.3380020886659622},{"text":"It gives my kids I miss a good 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right.","start":1034.12,"end":1037.26,"sentiment":"neutral","sentiment_score":0.05157553916797042},{"text":"No.","start":1039.3999,"end":1039.64,"sentiment":"neutral","sentiment_score":-0.17196403443813324},{"text":"No.","start":1039.64,"end":1039.96,"sentiment":"neutral","sentiment_score":-0.20007076859474185},{"text":"I'm not.","start":1039.96,"end":1040.44,"sentiment":"neutral","sentiment_score":-0.17396917939186096},{"text":"I'm I'm not on the tools now.","start":1040.44,"end":1042.2,"sentiment":"neutral","sentiment_score":-0.12471741970096316}],"sentiment":"neutral","sentiment_score":-0.1146033862605691,"num_words":13,"start":1034.12,"end":1042.2},{"sentences":[{"text":"I'm a statutory official.","start":1042.2,"end":1043.5599,"sentiment":"neutral","sentiment_score":-0.050802902318537235},{"text":"I'm a deputy.","start":1043.5599,"end":1044.38,"sentiment":"neutral","sentiment_score":-0.027406136815746624},{"text":"I'm on the health and safety.","start":1045.5599,"end":1046.94,"sentiment":"neutral","sentiment_score":-0.027047953568398952},{"text":"Alright.","start":1058.7351,"end":1059.055,"sentiment":"neutral","sentiment_score":0.02853771671652794},{"text":"Supervisor monitor the men under my control of my district underground.","start":1059.055,"end":1064.275,"sentiment":"neutral","sentiment_score":0.03746311027895321}],"sentiment":"neutral","sentiment_score":-0.00028343245387077334,"num_words":25,"start":1042.2,"end":1064.275},{"sentences":[{"text":"I like to make sure I follow procedures and do everything right and safely and etcetera, etcetera.","start":1071.55,"end":1076.29,"sentiment":"neutral","sentiment_score":0.05081049199489986},{"text":"It's just statutory roles, legislator, but also, basically, health and safety as well.","start":1076.43,"end":1081.8049,"sentiment":"neutral","sentiment_score":0.030709199607372284},{"text":"Stop 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$5.","start":1151.76,"end":1154.0801,"sentiment":"neutral","sentiment_score":-0.10051088576967065}],"sentiment":"neutral","sentiment_score":-0.04357520415662573,"num_words":26,"start":1126.1799,"end":1154.0801},{"sentences":[{"text":"So I mhmm.","start":1154.0801,"end":1160.74,"sentiment":"neutral","sentiment_score":-0.04431183077394962},{"text":"Mhmm.","start":1160.88,"end":1161.38,"sentiment":"neutral","sentiment_score":-0.026584196835756305},{"text":"Quite a bit.","start":1161.92,"end":1162.8201,"sentiment":"neutral","sentiment_score":-0.041657291973630585},{"text":"She she wasn't 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you.","start":1183.43,"end":1184.25,"sentiment":"positive","sentiment_score":0.4371366947889328},{"text":"Yeah.","start":1193.205,"end":1193.365,"sentiment":"neutral","sentiment_score":0.06514570862054825}],"sentiment":"neutral","sentiment_score":0.11659078740260818,"num_words":11,"start":1176.375,"end":1193.365},{"sentences":[{"text":"I do.","start":1193.365,"end":1193.845,"sentiment":"neutral","sentiment_score":0.0701872669160366},{"text":"Because I'm showing my children on the moment.","start":1193.845,"end":1195.365,"sentiment":"neutral","sentiment_score":0.053147338796406984},{"text":"I've gotta throw it on, so it goes three ways.","start":1195.365,"end":1197.705,"sentiment":"neutral","sentiment_score":0.05872102864086628},{"text":"So you just give me that paperwork.","start":1199.205,"end":1200.6649,"sentiment":"neutral","sentiment_score":0.04013455073748316},{"text":"That's it.","start":1203.2849,"end":1203.6849,"sentiment":"neutral","sentiment_score":0.05948907136917114}],"sentiment":"neutral","sentiment_score":0.0535408113280247,"num_words":29,"start":1193.365,"end":1203.6849},{"sentences":[{"text":"She gets she gets a house.","start":1203.6849,"end":1205.225,"sentiment":"neutral","sentiment_score":0.05646807327866554},{"text":"No.","start":1206.645,"end":1207.145,"sentiment":"neutral","sentiment_score":-0.05533372238278389},{"text":"Doing paperwork, so I might we might stay the same because it might mean she gets a house and kids get the life insurance.","start":1208.22,"end":1213.92,"sentiment":"neutral","sentiment_score":-0.018392983901624877},{"text":"We're gonna discuss it at the moment, like, because I discuss what she wants to do with her place and her kids.","start":1214.3,"end":1219.68,"sentiment":"neutral","sentiment_score":0.006939162669534033},{"text":"But I think at this stage, I was thinking 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man.","start":1274.645,"end":1280.265,"sentiment":"neutral","sentiment_score":0.04628898203372955},{"text":"Daniela Krogski, k r k o b s k I.","start":1282.8049,"end":1287.7849,"sentiment":"neutral","sentiment_score":0.031053959764540194},{"text":"Yep.","start":1296.2999,"end":1296.7999,"sentiment":"neutral","sentiment_score":0.04599437117576599},{"text":"0403855815.","start":1297.02,"end":1301.9199,"sentiment":"neutral","sentiment_score":0.028450336307287216}],"sentiment":"neutral","sentiment_score":0.03990643581544811,"num_words":22,"start":1271.61,"end":1301.9199},{"sentences":[{"text":"You should pick up the numbers.","start":1308.655,"end":1310.035,"sentiment":"neutral","sentiment_score":0.27406494319438934},{"text":"I've I lost my phone.","start":1310.735,"end":1311.615,"sentiment":"neutral","sentiment_score":-0.3120258808135986},{"text":"I'm still not in four months.","start":1311.615,"end":1313.075,"sentiment":"neutral","sentiment_score":-0.22394155959288278},{"text":"Well, it 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people know that I'm lucky.","start":1386.0651,"end":1387.745,"sentiment":"neutral","sentiment_score":0.1317584626376629},{"text":"Right?","start":1387.745,"end":1388.245,"sentiment":"neutral","sentiment_score":0.124087855219841},{"text":"That's all the way around.","start":1395.9401,"end":1396.9,"sentiment":"neutral","sentiment_score":0.038203594461083415}],"sentiment":"neutral","sentiment_score":0.17720941365089105,"num_words":23,"start":1382.545,"end":1396.9},{"sentences":[{"text":"It's it's men that get lucky.","start":1396.9,"end":1398.52,"sentiment":"neutral","sentiment_score":0.1634665820747614},{"text":"Yeah.","start":1415.895,"end":1416.215,"sentiment":"neutral","sentiment_score":0.009782211855053902},{"text":"I'm trying to get an investment property.","start":1416.215,"end":1418.075,"sentiment":"neutral","sentiment_score":0.000848244676100356},{"text":"So I'm back in the back of my feet 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rate.","start":1521.755,"end":1526.895,"sentiment":"positive","sentiment_score":0.3487932674586773},{"text":"And the rest of shares, technology, health, and all the usual things.","start":1527.515,"end":1533.7599,"sentiment":"neutral","sentiment_score":0.17034732177853584},{"text":"The VTF, the T So I pay attention.","start":1534.0599,"end":1538.08,"sentiment":"neutral","sentiment_score":0.08032634272240102}],"sentiment":"neutral","sentiment_score":0.13450298714451492,"num_words":56,"start":1518.795,"end":1538.08},{"sentences":[{"text":"So it's actually been a reasonable year this year.","start":1540.0599,"end":1543.745,"sentiment":"positive","sentiment_score":0.5108885963757833},{"text":"Probably one of the best of that in the world.","start":1544.6051,"end":1546.4651,"sentiment":"neutral","sentiment_score":0.3193799123167992},{"text":"I thought I thought it'd be bad.","start":1546.8451,"end":1548.545,"sentiment":"neutral","sentiment_score":-0.10185738812599864},{"text":"I thought 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guys.","start":1678.6001,"end":1686.075,"sentiment":"neutral","sentiment_score":0.08480519514817458},{"text":"Right?","start":1686.075,"end":1686.315,"sentiment":"neutral","sentiment_score":0.26670223474502563}],"sentiment":"neutral","sentiment_score":0.029630738225850193,"num_words":55,"start":1591.27,"end":1686.315},{"sentences":[{"text":"That's the you you do it for me.","start":1686.315,"end":1688.255,"sentiment":"neutral","sentiment_score":0.3327149972319603},{"text":"I'll do the 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alright?","start":1824.8151,"end":1825.635,"sentiment":"neutral","sentiment_score":-0.12274811665217082},{"text":"Yep.","start":1826.175,"end":1826.675,"sentiment":"neutral","sentiment_score":-0.22330859303474423},{"text":"Yep.","start":1831.055,"end":1831.2151,"sentiment":"neutral","sentiment_score":0.18732509016990664},{"text":"Right.","start":1831.2151,"end":1831.535,"sentiment":"neutral","sentiment_score":0.18995538353919983},{"text":"Yep.","start":1831.535,"end":1832.035,"sentiment":"neutral","sentiment_score":0.17468500137329102}],"sentiment":"neutral","sentiment_score":-0.005655352558408465,"num_words":7,"start":1824.8151,"end":1832.035},{"sentences":[{"text":"Yep.","start":1847.9501,"end":1848.4501,"sentiment":"positive","sentiment_score":0.3810946941375733},{"text":"Yep.","start":1858.005,"end":1858.505,"sentiment":"neutral","sentiment_score":-0.05694377422332764},{"text":"You know what?","start":1859.0449,"end":1859.945,"sentiment":"neutral","sentiment_score":-0.2077849010626475},{"text":"I do like where you're coming from because I've been thinking about this.","start":1860.245,"end":1862.565,"sentiment":"neutral","sentiment_score":0.131211797778423},{"text":"I've been thinking about going to the bank and getting a loan as well because I can claim the interest on my income tax loan.","start":1862.565,"end":1867.54,"sentiment":"neutral","sentiment_score":0.04126235820353031}],"sentiment":"neutral","sentiment_score":0.056700198672885116,"num_words":43,"start":1847.9501,"end":1867.54},{"sentences":[{"text":"So there's more on my way to do the cat.","start":1867.54,"end":1869.2999,"sentiment":"neutral","sentiment_score":-0.0870690681040287},{"text":"You know?","start":1869.2999,"end":1869.96,"sentiment":"neutral","sentiment_score":-0.05558553524315357},{"text":"But the thing the thing I'm struggling with at the moment is that I've got one more year of child support.","start":1870.4199,"end":1878.66,"sentiment":"negative","sentiment_score":-0.4747354331470671},{"text":"So I've sort of I think I'm gonna wait till my child support's gone because it just makes it that much harder.","start":1878.66,"end":1884.905,"sentiment":"negative","sentiment_score":-0.4348997284065593},{"text":"Every time I try and get loans and everything, I got out of my missus on because they just go child support bang.","start":1884.905,"end":1889.485,"sentiment":"negative","sentiment_score":-0.5173045785530753}],"sentiment":"negative","sentiment_score":-0.41560391255487233,"num_words":78,"start":1867.54,"end":1889.485},{"sentences":[{"text":"And that stuff's my loan my ability and what I can loan goes from the 10 shit house.","start":1889.785,"end":1898.9901,"sentiment":"neutral","sentiment_score":-0.13275625266962582},{"text":"Even though I'm on a good income and I've got this and I've got that, they look at that child support and go bang, and they just slaughter me.","start":1898.9901,"end":1906.9249,"sentiment":"negative","sentiment_score":-0.5225551775817213},{"text":"Exploring.","start":1907.705,"end":1908.205,"sentiment":"negative","sentiment_score":-0.3597968518733978},{"text":"Yeah.","start":1908.4249,"end":1908.9249,"sentiment":"neutral","sentiment_score":-0.05394785851240158},{"text":"She yeah.","start":1912.1849,"end":1913.225,"sentiment":"neutral","sentiment_score":-0.06465899385511875}],"sentiment":"negative","sentiment_score":-0.3546426548239063,"num_words":51,"start":1889.785,"end":1913.225},{"sentences":[{"text":"So she's got another year probably, and she hasn't been to school, so a year and six months.","start":1913.225,"end":1916.845,"sentiment":"neutral","sentiment_score":-0.17000340504778755},{"text":"So because I know like, I went to the bank.","start":1917.065,"end":1919.1649,"sentiment":"neutral","sentiment_score":-0.13546415716409682},{"text":"They gave me preapproved for 1.4, and then they I went to the bank with that, and I can only get 600,000.","start":1919.5399,"end":1924.1,"sentiment":"neutral","sentiment_score":0.03971303389831023},{"text":"And as soon as I put my missus on, I was just because the child support went back up to 1.8.","start":1924.1,"end":1928.44,"sentiment":"neutral","sentiment_score":-0.17348657300074896},{"text":"I was just like, you're kidding.","start":1928.5,"end":1929.72,"sentiment":"neutral","sentiment_score":-0.31133336077133816}],"sentiment":"neutral","sentiment_score":-0.11756148460236462,"num_words":77,"start":1913.225,"end":1929.72},{"sentences":[{"text":"They're just crazy.","start":1930.34,"end":1931.32,"sentiment":"negative","sentiment_score":-0.4245890974998474},{"text":"I see where they're coming from, but I'm just like, hang on.","start":1931.7799,"end":1934.2799,"sentiment":"neutral","sentiment_score":-0.08304654806852341},{"text":"Any but that's what I wanna look at down the track because otherwise, I'm gonna be retiring.","start":1935.405,"end":1940.765,"sentiment":"neutral","sentiment_score":0.010707073214956942},{"text":"I think I'll be on the street.","start":1940.765,"end":1942.545,"sentiment":"neutral","sentiment_score":0.05095925182104111},{"text":"Yeah.","start":1947.4851,"end":1947.645,"sentiment":"neutral","sentiment_score":0.10693870484828948}],"sentiment":"neutral","sentiment_score":-0.04061630392679945,"num_words":40,"start":1930.34,"end":1947.645},{"sentences":[{"text":"But what see, what's the other one?","start":1947.645,"end":1948.925,"sentiment":"neutral","sentiment_score":-0.0037157640659383367},{"text":"That's fine.","start":1948.925,"end":1949.405,"sentiment":"neutral","sentiment_score":0.03393149562180042},{"text":"If I do against my house.","start":1949.405,"end":1951.14,"sentiment":"neutral","sentiment_score":-0.053179007644454636},{"text":"But option two what was the option two?","start":1951.14,"end":1952.74,"sentiment":"neutral","sentiment_score":0.0007162480615079403},{"text":"Option two was Yep.","start":1952.74,"end":1973.5851,"sentiment":"neutral","sentiment_score":0.02870215056464076}],"sentiment":"neutral","sentiment_score":-0.005803067271632177,"num_words":27,"start":1947.645,"end":1973.5851},{"sentences":[{"text":"100 or a 100 and 10%.","start":1995.265,"end":1996.805,"sentiment":"neutral","sentiment_score":0.08012034992376964},{"text":"But what that way does that come off?","start":1997.185,"end":1998.7051,"sentiment":"neutral","sentiment_score":0.03488090471364558},{"text":"Please use the equity for that loan, my house again or my super fund.","start":1998.7051,"end":2002.7251,"sentiment":"neutral","sentiment_score":0.05432556835668428},{"text":"Yep.","start":2014.12,"end":2014.62,"sentiment":"neutral","sentiment_score":0.06143995746970177},{"text":"Yep.","start":2026.015,"end":2026.515,"sentiment":"neutral","sentiment_score":0.07806820422410965}],"sentiment":"neutral","sentiment_score":0.05532784853130579,"num_words":30,"start":1995.265,"end":2026.515},{"sentences":[{"text":"Yeah.","start":2040.48,"end":2040.98,"sentiment":"neutral","sentiment_score":-0.05954447388648987},{"text":"Yep.","start":2049.12,"end":2049.44,"sentiment":"neutral","sentiment_score":0.07655143737792969},{"text":"Right.","start":2049.44,"end":2049.76,"sentiment":"neutral","sentiment_score":0.05528368055820465},{"text":"And then the option three was not there's one and three.","start":2049.76,"end":2052.725,"sentiment":"neutral","sentiment_score":-0.010024064643816515},{"text":"There was an option 3, wasn't there?","start":2052.725,"end":2054.425,"sentiment":"neutral","sentiment_score":-0.010885803960263729}],"sentiment":"neutral","sentiment_score":-0.00543689022638968,"num_words":21,"start":2040.48,"end":2054.425},{"sentences":[{"text":"12.","start":2054.8052,"end":2055.5452,"sentiment":"neutral","sentiment_score":-0.003421889618039131},{"text":"Yeah.","start":2063.125,"end":2063.625,"sentiment":"neutral","sentiment_score":-0.049047961831092834},{"text":"No.","start":2066.85,"end":2067.35,"sentiment":"negative","sentiment_score":-0.41779202222824097},{"text":"Yep.","start":2079.49,"end":2079.99,"sentiment":"neutral","sentiment_score":0.09299403429031372},{"text":"That's right.","start":2080.53,"end":2081.265,"sentiment":"neutral","sentiment_score":0.2241378054022789}],"sentiment":"neutral","sentiment_score":0.011834628569583098,"num_words":6,"start":2054.8052,"end":2081.265},{"sentences":[{"text":"I I I mentioned the second one because I've gotta do something and it's probably with what's been going on in the world lately, I know the markets are still good, but they've dropped a bit.","start":2081.265,"end":2093.825,"sentiment":"neutral","sentiment_score":-0.02223041278517081},{"text":"So it's probably a good time to buy into something good that will recover after all these walls settle down.","start":2093.825,"end":2100.5798,"sentiment":"neutral","sentiment_score":0.12530759461224078},{"text":"Yep.","start":2107.76,"end":2108.26,"sentiment":"neutral","sentiment_score":0.26235145330429077},{"text":"K.","start":2113.335,"end":2113.835,"sentiment":"neutral","sentiment_score":0.09834875166416168},{"text":"Okay.","start":2126.35,"end":2126.85,"sentiment":"neutral","sentiment_score":0.10437729954719543}],"sentiment":"neutral","sentiment_score":0.03679550061854771,"num_words":59,"start":2081.265,"end":2126.85},{"sentences":[{"text":"You say it.","start":2127.15,"end":2128.21,"sentiment":"neutral","sentiment_score":0.07582518210013707},{"text":"Okay.","start":2129.6301,"end":2130.03,"sentiment":"neutral","sentiment_score":0.21183636784553528},{"text":"That sounds probably good then.","start":2130.03,"end":2131.49,"sentiment":"neutral","sentiment_score":0.3174755573272705},{"text":"But as regards to fund go through everything in the fund, I've already read through it all.","start":2131.55,"end":2136.27,"sentiment":"neutral","sentiment_score":-0.03464146352866117},{"text":"So I know I'd I'm still India still got better growth in China, so I'll still stay there.","start":2136.27,"end":2142.855,"sentiment":"neutral","sentiment_score":0.09342417938427793}],"sentiment":"neutral","sentiment_score":0.07089591022072868,"num_words":44,"start":2127.15,"end":2142.855},{"sentences":[{"text":"Unless you advise otherwise, but I don't know.","start":2145.7148,"end":2147.875,"sentiment":"neutral","sentiment_score":-0.019806112628430128},{"text":"I think it was pretty good advice I took last year going from China to India.","start":2147.875,"end":2151.255,"sentiment":"neutral","sentiment_score":0.22632149048149586},{"text":"China is still struggling.","start":2151.555,"end":2152.775,"sentiment":"neutral","sentiment_score":-0.1685069464147091},{"text":"India seems to be on the up.","start":2153.2898,"end":2155.0698,"sentiment":"neutral","sentiment_score":-0.15066178196242877},{"text":"Oh, China's got China's got China's got is struggling, but yeah.","start":2155.7698,"end":2164.17,"sentiment":"neutral","sentiment_score":-0.03465596501800147}],"sentiment":"neutral","sentiment_score":0.02940911026266606,"num_words":46,"start":2145.7148,"end":2164.17},{"sentences":[{"text":"India has just got stronger growth.","start":2164.17,"end":2165.7698,"sentiment":"neutral","sentiment_score":0.1245774229367574},{"text":"Yeah.","start":2165.7698,"end":2166.0098,"sentiment":"neutral","sentiment_score":0.12545093894004822},{"text":"I think I think they wound up doing the GDP was substantially higher compared to China.","start":2166.0098,"end":2172.2551,"sentiment":"neutral","sentiment_score":0.14123477693647146},{"text":"So yeah.","start":2172.2551,"end":2172.975,"sentiment":"neutral","sentiment_score":0.06291403993964195},{"text":"Anyway and the rest is just the usual stuff.","start":2172.975,"end":2175.7751,"sentiment":"neutral","sentiment_score":0.10445644044213825}],"sentiment":"neutral","sentiment_score":0.12348846915890188,"num_words":34,"start":2164.17,"end":2175.7751},{"sentences":[{"text":"I think you see it through Hub 24, which is fine.","start":2175.7751,"end":2178.835,"sentiment":"neutral","sentiment_score":0.17688218030062589},{"text":"So that's all good.","start":2179.5352,"end":2180.495,"sentiment":"neutral","sentiment_score":0.32034238427877426},{"text":"Nothing besides that.","start":2180.495,"end":2181.375,"sentiment":"neutral","sentiment_score":0.17625941832860312},{"text":"You're happy with the way my funds invested then?","start":2181.375,"end":2183.635,"sentiment":"neutral","sentiment_score":0.3063266823689143},{"text":"Oh, yeah.","start":2199.585,"end":2211.445,"sentiment":"neutral","sentiment_score":0.0183578971773386}],"sentiment":"neutral","sentiment_score":0.22584509348561024,"num_words":29,"start":2175.7751,"end":2211.445},{"sentences":[{"text":"Alright.","start":2211.905,"end":2212.2249,"sentiment":"neutral","sentiment_score":0.19449786841869351},{"text":"That sounds good.","start":2212.2249,"end":2212.945,"sentiment":"positive","sentiment_score":0.39296795924504596},{"text":"Sounds like a good job.","start":2212.945,"end":2214.085,"sentiment":"positive","sentiment_score":0.4797970175743103},{"text":"Alright.","start":2214.36,"end":2214.6802,"sentiment":"neutral","sentiment_score":0.23008382320404053},{"text":"Wonderful.","start":2214.6802,"end":2215.1802,"sentiment":"positive","sentiment_score":0.4033565819263458}],"sentiment":"positive","sentiment_score":0.40052974901416083,"num_words":11,"start":2211.905,"end":2215.1802},{"sentences":[{"text":"Wonderful.","start":2215.2402,"end":2215.7402,"sentiment":"positive","sentiment_score":0.40647342801094055},{"text":"That's I think, yep, some policy is good.","start":2216.28,"end":2219.0,"sentiment":"positive","sentiment_score":0.33583660051226616},{"text":"Just need to look at options, simplify it, gearing, and protection.","start":2219.0,"end":2223.26,"sentiment":"neutral","sentiment_score":0.18952383507381787},{"text":"Sounds perfect.","start":2223.56,"end":2224.3801,"sentiment":"positive","sentiment_score":0.33480457961559296},{"text":"Sorry.","start":2224.52,"end":2224.84,"sentiment":"neutral","sentiment_score":0.05086611211299896}],"sentiment":"neutral","sentiment_score":0.2564523343158805,"num_words":23,"start":2215.2402,"end":2224.84},{"sentences":[{"text":"What's your name?","start":2224.84,"end":2225.7402,"sentiment":"neutral","sentiment_score":0.020672590782245},{"text":"Larissa.","start":2227.495,"end":2227.995,"sentiment":"neutral","sentiment_score":0.015860259532928467},{"text":"Larissa.","start":2228.055,"end":2228.555,"sentiment":"neutral","sentiment_score":0.024793662130832672},{"text":"No problem.","start":2228.695,"end":2229.095,"sentiment":"neutral","sentiment_score":0.07243818789720535},{"text":"Sorry.","start":2229.095,"end":2229.2551,"sentiment":"neutral","sentiment_score":0.06886322051286697}],"sentiment":"neutral","sentiment_score":0.03955141128972173,"num_words":8,"start":2224.84,"end":2229.2551},{"sentences":[{"text":"Thank you, Larissa.","start":2229.2551,"end":2229.975,"sentiment":"neutral","sentiment_score":0.2315487265586853},{"text":"Much appreciated.","start":2229.975,"end":2230.795,"sentiment":"positive","sentiment_score":0.35805416107177734},{"text":"Is there anything else we need no.","start":2231.335,"end":2241.7551,"sentiment":"neutral","sentiment_score":0.0387250618743045},{"text":"Oh, and the the beneficiaries update too.","start":2242.08,"end":2251.06,"sentiment":"neutral","sentiment_score":0.08963632264307567},{"text":"Yep.","start":2258.345,"end":2258.665,"sentiment":"neutral","sentiment_score":0.05476569384336472}],"sentiment":"neutral","sentiment_score":0.11820249436423183,"num_words":20,"start":2229.2551,"end":2258.665},{"sentences":[{"text":"Absolutely.","start":2258.665,"end":2259.165,"sentiment":"neutral","sentiment_score":0.09330703318119048},{"text":"No.","start":2259.785,"end":2260.105,"sentiment":"neutral","sentiment_score":-0.0737084150314331},{"text":"No.","start":2260.105,"end":2260.345,"sentiment":"neutral","sentiment_score":-0.07073992490768433},{"text":"Email.","start":2260.345,"end":2260.845,"sentiment":"neutral","sentiment_score":-0.00945260189473629},{"text":"Email is good.","start":2262.505,"end":2263.565,"sentiment":"positive","sentiment_score":0.5078879197438558}],"sentiment":"neutral","sentiment_score":0.20900997865412915,"num_words":7,"start":2258.665,"end":2263.565},{"sentences":[{"text":"Yep.","start":2272.1702,"end":2272.6702,"sentiment":"neutral","sentiment_score":-0.01020100899040699},{"text":"Yep.","start":2273.1301,"end":2273.53,"sentiment":"neutral","sentiment_score":0.0409887433052063},{"text":"Oh, that's fine.","start":2273.53,"end":2274.4302,"sentiment":"neutral","sentiment_score":0.15627031028270721},{"text":"Alright.","start":2276.1702,"end":2276.49,"sentiment":"positive","sentiment_score":0.3822956085205078},{"text":"Thank you.","start":2276.49,"end":2276.81,"sentiment":"positive","sentiment_score":0.7083806693553925}],"sentiment":"neutral","sentiment_score":0.2873319515492767,"num_words":8,"start":2272.1702,"end":2276.81},{"sentences":[{"text":"Much appreciated, Larissa.","start":2276.81,"end":2277.85,"sentiment":"positive","sentiment_score":0.8253229260444641},{"text":"You have a good day.","start":2277.85,"end":2278.9102,"sentiment":"positive","sentiment_score":0.7738203167915344},{"text":"Thank you.","start":2280.8901,"end":2281.71,"sentiment":"positive","sentiment_score":0.7172188758850098}],"sentiment":"positive","sentiment_score":0.7779508113861084,"num_words":10,"start":2276.81,"end":2281.71}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning. Good morning.\n\nChannel 0: Good. Paul. Melissa from Financial. How are you going? Yeah.\n\nGood. Thanks. Have I got you at a good time so we can go\n\nChannel 1: Yep.\n\nChannel 0: through and have a bit of a chat?\n\nChannel 1: Yep. Absolutely.\n\nChannel 0: Amazing. Perfect. Well, before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you to confirm security for me, it's just full name, date of birth, and address.\n\nChannel 1: Paul Patrick David, Jeremy Janco. 21st And 3rd 3337 Magna Road, Wollongong, New South Wales.\n\nChannel 0: Perfect. Amazing. So the the whole point in that, I guess, why we we go through and do and we all touch bases is to to have a bit of chat with you and and be able to update you on where things are at.\n\nChannel 1: Yep.\n\nChannel 0: Whitlam did leave a note on file that you were concerned that your insurances hadn't been implemented\n\nChannel 1: Yep.\n\nChannel 0: and that you didn't have, like, a million dollars worth of cover that you\n\nChannel 1: No. I went through that last of you, I believe, and it was all okay. And I got a email from Zurich saying I'm still only covered $6.50 for this debt. And when I spoke last time through this process, I said, look, I need a million because that's my house and value that. Like, $6.50 hasn't even paid the house off.\n\nYou know what I mean? Absolutely.\n\nChannel 0: Yeah.\n\nChannel 1: And that that's all that was all done. I signed all the paperwork. I went through DocuSign. Everything went through. And then I get a email from Zurich saying you only cut $6.50.\n\nSo obviously, somewhere between you guys or them, no one changed policy.\n\nChannel 0: Do you know are you able to, by chance, email me the email you received? Just because I logged on last night after, like, after, like, I was I was reviewing my files for today. And when I logged on and scribble checked, and your policy is definitely sitting at over 1,000,000. It's actually sitting at 1\n\nChannel 1: Yes.\n\nChannel 0: million\n\nChannel 1: From\n\nChannel 0: or 100,000.\n\nChannel 1: from Zurich?\n\nChannel 0: Yep. Zurich policy.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Zurich\n\nChannel 1: Alright.\n\nChannel 0: policy\n\nChannel 1: So\n\nChannel 0: 91129371.\n\nChannel 1: yep. So I emailed Zurich back saying, like, yeah, other what's going on? Hang on. I'll just pull that now. So I'll just double\n\nChannel 0: Yeah.\n\nChannel 1: that's fine. Yeah. That's why I threw a customer. Yeah. It went through.\n\nI opened it up. What's the policy number on that? I wouldn't have two, like, because I updated it. They gave me policy and then\n\nChannel 0: Yeah.\n\nChannel 1: a yearly yearly payment of $3.09 $3.05 $8.09. $3,144.08\n\nChannel 0: Yep.\n\nChannel 1: 9. Policy number 91129371.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: what\n\nChannel 0: the\n\nChannel 1: what\n\nChannel 0: that's the\n\nChannel 1: that's\n\nChannel 0: same policy number.\n\nChannel 1: the same policy, and I go down went down through it, and it goes death and modified illness, not 6 5650. Buyback death, $6.50. Yeah. It's all $6.50. $6.50 60.\n\nBuyback death, modified\n\nChannel 0: Okay.\n\nChannel 1: CPD, death and terminal illness, 65915. That's why I'm confused.\n\nChannel 0: And that\n\nChannel 1: We're stuck\n\nChannel 0: that's\n\nChannel 1: with it. And then you're saying you got the\n\nChannel 0: and\n\nChannel 1: million,\n\nChannel 0: that email\n\nChannel 1: but then\n\nChannel 0: was received\n\nChannel 1: this email\n\nChannel 0: and\n\nChannel 1: was\n\nChannel 0: that\n\nChannel 1: received.\n\nChannel 0: that email was received recently?\n\nChannel 1: When is it today? July 25.\n\nChannel 0: Yeah. So two days ago. Okay. Yeah. Fair enough.\n\nNo. Yeah.\n\nChannel 1: I'll I'll just forward it to you. So what what's your email address? Hang on. Let's go forward. I emailed them back saying, oh, what's going on?\n\nI thought it was a million. I put it back to Zurich saying, I thought I did this with my both of you. A bit disappointed.\n\nChannel 0: Yeah.\n\nChannel 1: Because something did happen, then it'd be in dispute because this policy states that, and then you're saying you got a policy that states million. And then that's why I know what insurance companies are like. They go, well, no. Hang on.\n\nChannel 0: Yeah.\n\nChannel 1: This one says that. And then whoever if I did pass away, we'd have to go to court, try and find out which insurance policy was right. That's where it concerns\n\nChannel 0: Does it by any does it by any chance have\n\nChannel 1: me.\n\nChannel 0: six lines of of benefit where it says 65915 and also 7451585\n\nChannel 1: Yep. Oh,\n\nChannel 0: as\n\nChannel 1: no. No.\n\nChannel 0: 2 different\n\nChannel 1: It just goes.\n\nChannel 0: Bethan terminal.\n\nChannel 1: Yep. It does. We got 451 4\n\nChannel 0: It\n\nChannel 1: 50\n\nChannel 0: only\n\nChannel 1: one\n\nChannel 0: lists\n\nChannel 1: 450\n\nChannel 0: the\n\nChannel 1: one.\n\nChannel 0: k. So you because originally, your original policy was the $6.50. And when\n\nChannel 1: Yep.\n\nChannel 0: we increased it, what it does is it adds a second benefit. Like, it's the same benefit, but instead of combining them as one lump sum, it it splits them because your original policy has a start date of x, and then just the increase has a start date of x. It does\n\nChannel 1: So I'm paying\n\nChannel 0: add up\n\nChannel 1: two\n\nChannel 0: to be the one one.\n\nChannel 1: so\n\nChannel 0: It's\n\nChannel 1: I'm paying\n\nChannel 0: not\n\nChannel 1: two\n\nChannel 0: two\n\nChannel 1: premiums\n\nChannel 0: policies.\n\nChannel 1: then.\n\nChannel 0: It it's it's\n\nChannel 1: But I'm\n\nChannel 0: not\n\nChannel 1: paying\n\nChannel 0: two premiums\n\nChannel 1: two premium.\n\nChannel 0: either. It's all falls on it it's not two premiums. It all falls under the one policy. It's just\n\nChannel 1: Well, that's all\n\nChannel 0: like,\n\nChannel 1: they've\n\nChannel 0: it's\n\nChannel 1: got there.\n\nChannel 0: split because it has different\n\nChannel 1: I haven't received I haven't received the second policy. All they've given me is that policy. There's nothing\n\nChannel 0: forward\n\nChannel 1: else\n\nChannel 0: it\n\nChannel 1: in\n\nChannel 0: through\n\nChannel 1: there.\n\nChannel 0: to me.\n\nChannel 1: There's nothing there about the next policy. Like, it just that's that's all it's got. It's that one, and it hasn't sent me anything else. So this is the anniversary. This is how much it\n\nChannel 0: Yeah.\n\nChannel 1: costs. And just that, it's only got that. It doesn't have any extras. Life insurance to all those six lines, and it's got nothing else in there about anything else about this other add on policy that you're talking about. There's nothing in there at all about it.\n\nIf you have any problems, just call. So I don't know. I don't know.\n\nChannel 0: Yep.\n\nChannel 1: I surely, they will let me through the add on then. If they sent me through this one, this is policy blocked unless it sent through another date when I changed it. When's\n\nChannel 0: No.\n\nChannel 1: when's\n\nChannel 0: They\n\nChannel 1: the date?\n\nChannel 0: they shouldn't. It should all it should all fall on the same policy.\n\nChannel 1: Yeah. Well, it's only '71, and it just set you up for renewal at $6.50. That's why I don't know if you're saying your end, it's all 1,000,000, but on my end, I read the $6.50.\n\nChannel 0: Yeah. Because\n\nChannel 1: Good.\n\nChannel 0: I I'm I'm looking at the letter. I've I logged on to the portal, and I can see the correspondence they send you. Because it says, like, cover type, current cover, increased cover, premium without cover increase, premium within a cover increase, cover expiry date.\n\nChannel 1: Yep.\n\nChannel 0: And it's death and terminal death and terminal illness. Our cover\n\nChannel 1: Yep.\n\nChannel 0: is 06/19\n\nChannel 1: Yep.\n\nChannel 0: '9 $1.09, increase is $6.59 15, then CPD,\n\nChannel 1: Yep.\n\nChannel 0: and then buyback, and then it's got death and terminal illness of $4.31 $0.09 $0.08 1 and\n\nChannel 1: Yep.\n\nChannel 0: 451585.\n\nChannel 1: Excellent. Come\n\nChannel 0: Cool.\n\nChannel 1: on. There's there's nothing else\n\nChannel 0: So\n\nChannel 1: about the extra. But you're saying there's a bit of a million, but the the way that reads me read that read that to me. That's all I'm covered for.\n\nChannel 0: yep. So 650,000 plus $4.51 $5.08 5 is 1.102.\n\nChannel 1: Where where\n\nChannel 0: So\n\nChannel 1: where\n\nChannel 0: that\n\nChannel 1: is\n\nChannel 0: is\n\nChannel 1: the\n\nChannel 0: the million\n\nChannel 1: app? So what what what $6.50 and then the $4.51? So what they add that to the $6.50? So my wife's\n\nChannel 0: Yeah.\n\nChannel 1: insurance\n\nChannel 0: Correct.\n\nChannel 1: policy\n\nChannel 0: Yeah. So\n\nChannel 1: so my wife's insurance policy is still only $6.50, though. Because death and terminal illness, $6.50.\n\nChannel 0: But there's\n\nChannel 1: That's\n\nChannel 0: two lines\n\nChannel 1: I\n\nChannel 0: for\n\nChannel 1: just\n\nChannel 0: death and\n\nChannel 1: oh,\n\nChannel 0: terminal\n\nChannel 1: I'm\n\nChannel 0: illness.\n\nChannel 1: just too oh, sorry. I didn't have my glasses on. Death and\n\nChannel 0: Yeah.\n\nChannel 1: terminal illness.\n\nChannel 0: No. No. You're\n\nChannel 1: Right.\n\nChannel 0: okay. Yeah.\n\nChannel 1: Right.\n\nChannel 0: So if you\n\nChannel 1: Okay.\n\nChannel 0: were to pass away, there's two lines\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Okay.\n\nChannel 0: are\n\nChannel 1: Now I see.\n\nChannel 0: payable.\n\nChannel 1: So I see. I haven't got my glasses on. Modified\n\nChannel 0: Yeah.\n\nChannel 1: type. Modified type.\n\nChannel 0: You're so\n\nChannel 1: It was\n\nChannel 0: fine.\n\nChannel 1: I don't know why I just wanna put in the one and in charge. I know it's just anyway. Alright. That's so much sense now. So they add them together.\n\nChannel 0: It's all\n\nChannel 1: So\n\nChannel 0: yeah.\n\nChannel 1: that's the\n\nChannel 0: From\n\nChannel 1: reason\n\nChannel 0: a back\n\nChannel 1: for the\n\nChannel 0: end\n\nChannel 1: policy.\n\nChannel 0: perspective, it is added together.\n\nChannel 1: It's still reason for the two\n\nChannel 0: It's\n\nChannel 1: policies.\n\nChannel 0: all under the\n\nChannel 1: But you know what I mean? Like,\n\nChannel 0: it's\n\nChannel 1: it's\n\nChannel 0: one\n\nChannel 1: it's\n\nChannel 0: policy\n\nChannel 1: it's always\n\nChannel 0: number.\n\nChannel 1: taken up to be a court law. It's one policy number, but it's really two separate things. So people go, which one? And look, I know my sister's a lawyer and basically go, oh, well, the high one's $6.50. We'll pay that and not pay the $4.50.\n\nYou know what I mean? So it should be one policy.\n\nChannel 0: Yeah.\n\nChannel 1: If that went to a court law, because insurance companies are my rules. No. No. There's there's a high one. High one's $6.50.\n\nLow one's $4.50. We'll pay you the $6.50. So even though I'm insured for a million, they could argue that I'm not. If you know\n\nChannel 0: That's\n\nChannel 1: what\n\nChannel 0: like\n\nChannel 1: I mean.\n\nChannel 0: no.\n\nChannel 1: That sounds\n\nChannel 0: Definitely\n\nChannel 1: ridiculous.\n\nChannel 0: not. You are definitely yeah. You're definitely insured for the million. And,\n\nChannel 1: But\n\nChannel 0: like,\n\nChannel 1: but\n\nChannel 0: I\n\nChannel 1: but we\n\nChannel 0: I\n\nChannel 1: we know\n\nChannel 0: deal\n\nChannel 1: insurance\n\nChannel 0: with claims\n\nChannel 1: company's life.\n\nChannel 0: that\n\nChannel 1: If that went to court of law, I passed away and it went to court of law. They're gonna go, no. No. Look. The high $1.06 50.\n\nYeah. This other policy, well, no. That's that's not I I don't know how it works. You can't get paid on two policies even though it's one policy. You know what I'm saying?\n\nLike,\n\nChannel 0: You\n\nChannel 1: it\n\nChannel 0: definitely\n\nChannel 1: went to a\n\nChannel 0: can.\n\nChannel 1: court of law.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yeah.\n\nChannel 0: Under\n\nChannel 1: But\n\nChannel 0: a court of law, like, you as the consumer would definitely win. A, we've got paperwork for the increase\n\nChannel 1: yes.\n\nChannel 0: and them approving us increasing the policy. It's just how they structure it because from a back end perspective, they wanna segment the two different dates of the policy, like, the the amount were like, at the inception\n\nChannel 1: Yep.\n\nChannel 0: of the amount\n\nChannel 1: Well,\n\nChannel 0: because\n\nChannel 1: because\n\nChannel 0: your\n\nChannel 1: one's more\n\nChannel 0: 6\n\nChannel 1: expensive\n\nChannel 0: 50\n\nChannel 1: than the other.\n\nChannel 0: started no.\n\nChannel 1: Because one\n\nChannel 0: It's\n\nChannel 1: more\n\nChannel 0: not that it's\n\nChannel 1: expensive\n\nChannel 0: more\n\nChannel 1: than the\n\nChannel 0: expensive.\n\nChannel 1: other.\n\nChannel 0: It's just no. Because what they do\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: I\n\nChannel 0: from\n\nChannel 1: thought\n\nChannel 0: a lump\n\nChannel 1: I thought\n\nChannel 0: sum\n\nChannel 1: they\n\nChannel 0: perspective,\n\nChannel 1: just cancel\n\nChannel 0: it actually\n\nChannel 1: one policy.\n\nChannel 0: gets added together.\n\nChannel 1: So I thought they just cancel one policy and go this is a new policy and roll it over to the new policy. Because I I just got confused looking at going, what the hell is that? So if I increase again, I'm gonna have a third line. So I increase again to one and a half,\n\nChannel 0: Third\n\nChannel 1: and I'm gonna have a third line, and I'm gonna have the it's all the one policy. You know, it just gets too confusing for me, Never mind someone who's grieving that has to deal with, you know, that as well.\n\nChannel 0: line.\n\nChannel 1: Anyway, that's that's the way it is. That'd be some legal advice on it because I just don't I know what insurance companies are like because they don't like paying out at all. They're mongrels.\n\nChannel 0: Yeah. Oh,\n\nChannel 1: It'd be better\n\nChannel 0: they can\n\nChannel 1: off canceling\n\nChannel 0: be, but\n\nChannel 1: policy. And so I'm I'm thinking it'd be better off trying to you guys cancel Zurich, go with someone else, and then I've got the one policy. I know what it's all about. And it's simplified\n\nChannel 0: yeah.\n\nChannel 1: and it's\n\nChannel 0: I\n\nChannel 1: good.\n\nChannel 0: could yeah.\n\nChannel 1: You know\n\nChannel 0: I\n\nChannel 1: what\n\nChannel 0: can\n\nChannel 1: I mean?\n\nChannel 0: definitely\n\nChannel 1: Keep\n\nChannel 0: do that. I can quote\n\nChannel 1: it simple.\n\nChannel 0: up to see whether there's any, yeah, I can quote up to see whether there's any, like, new policy structures on the market to see whether it could we could reduce the cost, stuff like that as well.\n\nChannel 1: Well, that probably might be the go because they're having to I I just don't trust\n\nChannel 0: Yeah.\n\nChannel 1: them. Like, I've dealt with insurance companies\n\nChannel 0: Yeah.\n\nChannel 1: with house claims and everything, and they go maintenance. They don't like paying out, and I don't trust them. And I spoke to people\n\nChannel 0: Yeah.\n\nChannel 1: where\n\nChannel 0: No.\n\nChannel 1: I know\n\nChannel 0: That's\n\nChannel 1: you say, yeah, we'd hold up with the consumer, but they're still challenged in the court of law. So they were to one policy, but two separate lines. You know how they work, legal jargon. There's always a gray area. One word could change that whole policy.\n\nOne word could say no. One word could mean we pay out the high amount. Because that's what they look for. It's just it's just crazy. But if we\n\nChannel 0: Yeah.\n\nChannel 1: could\n\nChannel 0: Yeah.\n\nChannel 1: simplify\n\nChannel 0: Absolutely.\n\nChannel 1: it, so I want the 1.1\n\nChannel 0: Yeah.\n\nChannel 1: one cover with one policy, then there's no grade. There's no look at wording. It's just one thing. Because they're\n\nChannel 0: Yes.\n\nChannel 1: still saying to me, if I increase again and again, I'd have another line and another line and another line, and I have to add them all\n\nChannel 0: Yep.\n\nChannel 1: together to say that it's policy payer.\n\nChannel 0: Yes.\n\nChannel 1: That's that's just wow. That's\n\nChannel 0: I\n\nChannel 1: just\n\nChannel 0: know.\n\nChannel 1: crazy.\n\nChannel 0: They're they're\n\nChannel 1: I\n\nChannel 0: painful\n\nChannel 1: swear.\n\nChannel 0: the way they structure them. Like, from a back end like, I I agree with you. From a back end perspective, they should they should just have it segmented. And then for you as the customer, they should be combining them all to say, hey. This is what your actual payout about is.\n\nChannel 1: Yeah. Because yeah. It's just it's because it's anyway, that's the way it is. I just it's just it's a trust issue. I just don't trust insurance companies in my dealings with them in the\n\nChannel 0: No.\n\nChannel 1: past.\n\nChannel 0: I'm absolutely happy to requote it. It's not something I can do on the phone with you today, but I can definitely,\n\nChannel 1: No. No. That\n\nChannel 0: like,\n\nChannel 1: is\n\nChannel 0: quote\n\nChannel 1: fine.\n\nChannel 0: it, have a look, and we can schedule another time.\n\nChannel 1: That's fine. What what are the makeup\n\nChannel 0: But\n\nChannel 1: on?\n\nChannel 0: can\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: just\n\nChannel 0: ask?\n\nChannel 1: don't get it. It's actually the way they structure it. I mean, obviously, you guys have done your homework,\n\nChannel 0: Yeah.\n\nChannel 1: but I just that's why I'm getting, you know, oh, my car is very 60. I hang on. I've got insurance 60 with this guy, and I was 40 with this guy and 30 with this guy. You wouldn't do it for a car. You wouldn't have two different policies through the same company to value your car.\n\nYou know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: And and\n\nChannel 0: Yeah.\n\nChannel 1: my\n\nChannel 0: When\n\nChannel 1: house\n\nChannel 0: you con\n\nChannel 1: my\n\nChannel 0: when\n\nChannel 1: house\n\nChannel 0: you contact\n\nChannel 1: went up.\n\nChannel 0: same\n\nChannel 1: They don't they don't\n\nChannel 0: thing.\n\nChannel 1: give me another policy for my house. They just increase the premium. They don't give me a set policy saying it has now valued 1.4 and then and give me another line on my premium. That's what you insured for. They just increased my premium, and that's where I'll get paid out.\n\nIt's just it's the first time I've come across this life insurance. It's just crazy. Probably do wanna talk to him. So I want to have a look at income protection too, but I think last time it's something like $9,000 for income protection for me when I got a\n\nChannel 0: Okay.\n\nChannel 1: quote.\n\nChannel 0: I can how so what what I can do is I can I can go through and quote, and I can quote a few different options today? And I can email them through you today, and you can obviously have a look over the\n\nChannel 1: Yes.\n\nChannel 0: weekend. And you can email me back with like, after I call you up Income Protection and have a look at a few different options on that front, what it might look like for you, and and how that would work price wise.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: with that\n\nChannel 0: we\n\nChannel 1: income\n\nChannel 0: can go from\n\nChannel 1: check,\n\nChannel 0: there,\n\nChannel 1: I\n\nChannel 0: and\n\nChannel 1: mean,\n\nChannel 0: I can\n\nChannel 1: I\n\nChannel 0: look\n\nChannel 1: have\n\nChannel 0: at other insurance.\n\nChannel 1: with that income protection, if I do decide to go ahead with it and you give me that policy, is that where the tax component taken out? No. You get so much back from the tax man if you got income protection. I think it's 50% that you get back. Of course,\n\nChannel 0: Yep.\n\nChannel 1: it's true.\n\nChannel 0: So there's\n\nChannel 1: Yeah.\n\nChannel 0: there's a couple there's a couple of ways. So with with premiums paid by your super fund, they are 15% cheaper than what they would be if you paid them out of pocket. With income protection, if you pay for it out of pocket, it does become tax tax deductible.\n\nChannel 1: Yep.\n\nChannel 0: But if you pay for it from your super fund,\n\nChannel 1: So\n\nChannel 0: yeah.\n\nChannel 1: that\n\nChannel 0: You\n\nChannel 1: only takes\n\nChannel 0: could\n\nChannel 1: 15\n\nChannel 0: yeah. You\n\nChannel 1: to\n\nChannel 0: don't\n\nChannel 1: 10\n\nChannel 0: get\n\nChannel 1: to\n\nChannel 0: to\n\nChannel 1: 40 five or whatever if you pay for yourself. It's a hell of a tire\n\nChannel 0: yeah.\n\nChannel 1: if you pay\n\nChannel 0: So,\n\nChannel 1: for\n\nChannel 0: basically,\n\nChannel 1: yourself.\n\nChannel 0: yeah, this yeah. The it's it's it ends up being cheaper if you pay for it yourself than\n\nChannel 1: Yep.\n\nChannel 0: if you pay for it through your super like, the income protection specifically because of the tax deduction, but you have to be able to obviously front the premium throughout the year to then at tax time deduct\n\nChannel 1: Yeah. Right. Anyway, it's probably probably probably some of this one worth looking at then. I might just look at myself and talk to a few friends\n\nChannel 0: it.\n\nChannel 1: who have it rather than go through super because it doesn't sound as beneficial going through super. You gotta get 15% decrease in\n\nChannel 0: Yes.\n\nChannel 1: the policy,\n\nChannel 0: I can\n\nChannel 1: and then it doesn't and then and then I lose more earnings on my super because I'm paying an insurance premium from it. You know what I mean? Then my earnings my super\n\nChannel 0: yeah.\n\nChannel 1: go\n\nChannel 0: I can\n\nChannel 1: down. I'm taking more out.\n\nChannel 0: I can I can quote up to have a premium paid personally by you? So\n\nChannel 1: If you\n\nChannel 0: I\n\nChannel 1: could.\n\nChannel 0: can structure\n\nChannel 1: Yep.\n\nChannel 0: the premium to be yeah. I can I can structure an the income protection only? So I can write\n\nChannel 1: Alright.\n\nChannel 0: a life and total disability policy to come from your super, and\n\nChannel 1: Okay.\n\nChannel 0: the in income protection can be paid personally by you, and it can be paid yearly, monthly,\n\nChannel 1: Okay. If you could do that so if I can look at that, you know,\n\nChannel 0: installments.\n\nChannel 1: income protection. And then if you can have a look around life insurance, see if they've got some sort of simplified structure or there's anyone out there that's cheaper or more\n\nChannel 0: Yeah.\n\nChannel 1: beneficial or whatever,\n\nChannel 0: Yeah. Definitely.\n\nChannel 1: Wouldn't\n\nChannel 0: Did\n\nChannel 1: mind\n\nChannel 0: you\n\nChannel 1: looking\n\nChannel 0: wanna\n\nChannel 1: at\n\nChannel 0: look\n\nChannel 1: it.\n\nChannel 0: at the same amount you currently account for? Because\n\nChannel 1: Yes.\n\nChannel 0: currently,\n\nChannel 1: Yeah.\n\nChannel 0: you've\n\nChannel 1: That\n\nChannel 0: got the\n\nChannel 1: covers\n\nChannel 0: one\n\nChannel 1: it.\n\nChannel 0: $1.00 $2.05. Okay.\n\nChannel 1: Yep. Yeah. That that\n\nChannel 0: Cool.\n\nChannel 1: covers\n\nChannel 0: So I'll\n\nChannel 1: the\n\nChannel 0: quote\n\nChannel 1: house.\n\nChannel 0: the\n\nChannel 1: It\n\nChannel 0: same\n\nChannel 1: gives\n\nChannel 0: amount.\n\nChannel 1: my kids I miss a good money. So that's what I need.\n\nChannel 0: Yes. Alright. Perfect. No. I can definitely do that, and I can email that through to you.\n\nIf you don't mind, are you okay if I sort of just run through to make sure that my records are up to date with regards to your income and stuff like that for when\n\nChannel 1: Yep.\n\nChannel 0: I'm quoting the income\n\nChannel 1: Yep.\n\nChannel 0: protection? Once I get things to load.\n\nChannel 1: And my man got back from the gym. I'm just gonna get my week fixed.\n\nChannel 0: No. You're so fine. I literally walked into the office, had had my oats and yogurt myself, and then I was just straight on the phone to you. I did the same thing this morning. Went went for went for a run, and and it was a little bit longer than it was supposed to be.\n\nOh, absolutely. But I oh, it's it it was freezing, but I I've added a couple extra k's than what I was supposed to send. So I was running a little bit late for myself this morning. So yeah. It's it's a it's a little bit chillier for you than it is for me.\n\nChannel 1: Alright. I got you all\n\nChannel 0: Perfect. So\n\nChannel 1: then.\n\nChannel 0: I've I've got you I've got you on a 150,000. Is that still\n\nChannel 1: I'm a\n\nChannel 0: correct?\n\nChannel 1: 180.\n\nChannel 0: 180? Cool.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: My\n\nChannel 0: what are what are, like, your your duties, and what are we what are we doing work wise?\n\nChannel 1: I'm the I'm the Grand Palma.\n\nChannel 0: Cool. And we're\n\nChannel 1: That's\n\nChannel 0: still a 100% on the tools.\n\nChannel 1: right.\n\nChannel 0: Sorry. I should have probably elaborated more on\n\nChannel 1: No.\n\nChannel 0: what I\n\nChannel 1: No.\n\nChannel 0: meant.\n\nChannel 1: I'm not. I'm I'm not on the tools now. I'm a statutory official. I'm a deputy. I'm on the health\n\nChannel 0: Okay.\n\nChannel 1: and safety.\n\nChannel 0: So health and safety. So what do what do our what does our, I guess, day to day while we're on-site look like?\n\nChannel 1: Alright. Supervisor monitor the men under my control of my district underground. I like to make sure I follow procedures and do everything right and safely and etcetera, etcetera. It's just statutory roles,\n\nChannel 0: Yep.\n\nChannel 1: legislator, but also, basically, health and safety as well.\n\nChannel 0: Okay.\n\nChannel 1: Stop them. They're doing\n\nChannel 0: Perfect.\n\nChannel 1: it.\n\nChannel 0: I'll make sure they're not being silly.\n\nChannel 1: Yeah. Pretty much. Wish\n\nChannel 0: Amazing.\n\nChannel 1: they are anyway.\n\nChannel 0: Oh, always.\n\nChannel 1: Boys are the boys.\n\nChannel 0: And I grew up in that around mechanics and butchers, so I completely understand what that that looks like. Very, very similar to mine as. Now with regards to the debt, do you know what the mortgage is sitting at now?\n\nChannel 1: 800.\n\nChannel 0: Perfect. And do you know what the house value is?\n\nChannel 1: One point excuse me. 1.4.\n\nChannel 0: And do we well, I mean, we previously had a little bit of a car loan. Have is that still current?\n\nChannel 1: Yep. With car loan for, you know, I think it's about 30,000 now.\n\nChannel 0: Perfect. And then current savings that you hold?\n\nChannel 1: No. I just bought a ring, so I've only got about $5. So I\n\nChannel 0: Yeah. That'll eat into it a little bit, won't it?\n\nChannel 1: mhmm. Mhmm. Quite a bit.\n\nChannel 0: Perfect.\n\nChannel 1: She she wasn't that.\n\nChannel 0: I tend to think we are worth no. No. That's that's beautiful. So have we put the ring on the finger,\n\nChannel 1: Yep.\n\nChannel 0: or\n\nChannel 1: Yes. She got it.\n\nChannel 0: is\n\nChannel 1: She got\n\nChannel 0: it\n\nChannel 1: it already.\n\nChannel 0: still a she's got it. Amazing. Well, congratulations.\n\nChannel 1: Thank you.\n\nChannel 0: Do you wanna look at updating your Next of Kin details then and list her?\n\nChannel 1: Yeah. I do. Because I'm showing my children on the moment. I've gotta throw it on, so it goes three ways. So you just give me that paperwork.\n\nChannel 0: Yeah.\n\nChannel 1: That's it. She gets she gets a house. No. Doing paperwork, so I might we might stay the same because it might mean she gets a house and kids get the life insurance. We're gonna discuss it at the moment, like, because I discuss what she wants to do with her place and her kids.\n\nBut I think at this stage, I was thinking yeah. No. I'm going for her. I'll just give her a little bit at least something. Plus the house.\n\nChannel 0: Yep. Yeah. Absolutely. No. That's that's absolutely okay.\n\nAlright. We can do that. And currently, if anything were to happen, I have Xavier listed as, like, an emergency contact. Do you wanna leave it with Grace?\n\nChannel 1: Yeah. Oh, it's Fabian, my son. Well, he still need to be contacted.\n\nChannel 0: Yep.\n\nChannel 1: He's my son.\n\nChannel 0: Yep.\n\nChannel 1: And me is my daughter. So they're my two on there at the moment, I believe. Me is\n\nChannel 0: Yes.\n\nChannel 1: my daughter. She's on there. And and if I throw I mean, I could just take it off for something we have, not that will, but, like, I always gotta think the worst. I wanna get the best.\n\nChannel 0: Yeah.\n\nChannel 1: Now I can just I can throw Danny on as emergency contact too, can't I? Danny\n\nChannel 0: Yeah.\n\nChannel 1: Ella Cacrosse\n\nChannel 0: Absolutely.\n\nChannel 1: is my partner. She's my fiancee,\n\nChannel 0: Yes. Absolutely.\n\nChannel 1: man.\n\nChannel 0: So Daniella?\n\nChannel 1: Daniela Krogski, k r k o b s k I.\n\nChannel 0: Perfect. Alright. Well, what I can do is I can list her. I just need a mobile number for\n\nChannel 1: Yep.\n\nChannel 0: her.\n\nChannel 1: 0403855815.\n\nChannel 0: Someone that actually knows their partner's number. That's amazing.\n\nChannel 1: You should pick up the numbers.\n\nChannel 0: Yeah.\n\nChannel 1: I've I lost my phone. I'm still not in four months.\n\nChannel 0: Right? I've I've been married for a decade, and I don't think my husband knows my number.\n\nChannel 1: Well, it should.\n\nChannel 0: I\n\nChannel 1: Or if\n\nChannel 0: know.\n\nChannel 1: you lose the\n\nChannel 0: My\n\nChannel 1: phone,\n\nChannel 0: children\n\nChannel 1: like, yeah.\n\nChannel 0: no.\n\nChannel 1: Honey, I'm coming home.\n\nChannel 0: Yeah.\n\nChannel 1: I know. There's a\n\nChannel 0: It's\n\nChannel 1: lot of\n\nChannel 0: criminal.\n\nChannel 1: people don't. They go, hang on. Do you ask them? They go, I can't even remember their own number.\n\nChannel 0: No. Yeah. I know. It's so bad.\n\nChannel 1: What's your phone number? Just\n\nChannel 0: Now\n\nChannel 1: give\n\nChannel 0: four\n\nChannel 1: me your\n\nChannel 0: inch\n\nChannel 1: phone. Here.\n\nChannel 0: yeah. Just just give me a second. I'll text you.\n\nChannel 1: Yeah. Or is that or do you know what do you mean? Yeah. You gotta do it for that phone. And yeah.\n\nI know. I'm old school.\n\nChannel 0: Oh, I know. It yeah. That's my head in. Anyway, for insurance purposes, I just wanna confirm, has any of your health changed since 2024? No?\n\nCool.\n\nChannel 1: No. No. I'm actually\n\nChannel 0: Just so\n\nChannel 1: I've\n\nChannel 0: I\n\nChannel 1: been\n\nChannel 0: can\n\nChannel 1: even\n\nChannel 0: take\n\nChannel 1: more\n\nChannel 0: that\n\nChannel 1: satisfied.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yeah. I had to add vodka now. Now I'm looking hot. I gotta be I gotta fit into my, you know, suit.\n\nChannel 0: Yes. Good luck. Dashing\n\nChannel 1: Gotta\n\nChannel 0: for\n\nChannel 1: look\n\nChannel 0: the wedding.\n\nChannel 1: good for her. Yeah. I look like, la la. She's a lucky girl. Even though most people know that I'm lucky.\n\nRight?\n\nChannel 0: Always. We always say we're the lucky girl, but secretly\n\nChannel 1: That's all the way around. It's it's men that get lucky.\n\nChannel 0: absolutely. Now in terms of, I guess, goals that you're working towards, what I guess, apart from the wedding, personally, is there anything else that you have, I guess, a site set on or things that you are working on?\n\nChannel 1: Yeah. I'm trying to get an investment property. So I'm back in the back of my feet now.\n\nChannel 0: Hi. Perfect.\n\nChannel 1: Probably use the equity and do that soon. Just gotta decide what to do. My goal is to have at least a million dollars instead, which isn't looking too good. I think I'm only at $2.52 53. It's not looking good.\n\nA million bucks by the time I retire. Ten years, we're gonna go nowhere close. Unless I have a couple of good\n\nChannel 0: And\n\nChannel 1: years.\n\nChannel 0: I was just and what are we look are we looking at ten years?\n\nChannel 1: Yeah.\n\nChannel 0: Six\n\nChannel 1: I'll be\n\nChannel 0: 60\n\nChannel 1: working\n\nChannel 0: five\n\nChannel 1: till I retire\n\nChannel 0: or\n\nChannel 1: 60 seven sixty seven. That's my retirement age.\n\nChannel 0: okay.\n\nChannel 1: So I'll be going all the way, I'd say.\n\nChannel 0: Okay. So 67 retirement. That's absolutely fine. So I I guess I wanna I wanna be clear just just to make sure that it is is there. You can technically retire at 60 because your superannuation becomes accessible, but, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: you need to fund it. 60\n\nChannel 1: Not\n\nChannel 0: seven\n\nChannel 1: yet.\n\nChannel 0: is when Centrelink becomes available.\n\nChannel 1: Yeah. Yeah. 60 is my super retirement. Yeah. I'm nowhere near fun to go.\n\nChannel 0: Yeah.\n\nChannel 1: 50, dude, does any bug or what might be like? You might get $10\n\nChannel 0: You wanted\n\nChannel 1: each.\n\nChannel 0: previously, you want to make sure that you had, like, a bit of an egg a nest egg for the kids.\n\nChannel 1: At least a million.\n\nChannel 0: Is that's still the case. Cool. Alright. So we wanna work on a million dollars with your fund. So what I'll do\n\nChannel 1: Yep.\n\nChannel 0: is while I'm looking at the insurance, I'll also have a look at, I guess, your superannuation fund as well to see whether maybe we take on a little bit more risk within the fund to\n\nChannel 1: I'm already high risk. I've already gone high risk. Everything should be high risk through Hub twenty four. I'm not there, and I don't I don't get balanced or anything. Everything should be high.\n\nI went to India last year from China, which\n\nChannel 0: yep.\n\nChannel 1: was a good move because they grew at a high rate. And the rest of shares, technology, health,\n\nChannel 0: Yep.\n\nChannel 1: and all the usual\n\nChannel 0: Yep.\n\nChannel 1: things. The VTF,\n\nChannel 0: Yep.\n\nChannel 1: the T So I pay attention.\n\nChannel 0: I love it.\n\nChannel 1: So it's\n\nChannel 0: Absolutely.\n\nChannel 1: actually been a reasonable year this year. Probably one of the best\n\nChannel 0: Yeah.\n\nChannel 1: of that in the world. I thought\n\nChannel 0: He\n\nChannel 1: I\n\nChannel 0: hasn't\n\nChannel 1: thought\n\nChannel 0: been\n\nChannel 1: it'd be\n\nChannel 0: through\n\nChannel 1: bad.\n\nChannel 0: that.\n\nChannel 1: I thought it'd be a bad year with everything that's been going on, but it's actually been a bit better than I thought. Thanks, India.\n\nChannel 0: Well, do you wanna look at maybe because while high growth is obviously it is aggressive,\n\nChannel 1: Yep.\n\nChannel 0: we could take\n\nChannel 1: I have\n\nChannel 0: it\n\nChannel 1: to\n\nChannel 0: a\n\nChannel 1: keep\n\nChannel 0: step\n\nChannel 1: that.\n\nChannel 0: further,\n\nChannel 1: Yep.\n\nChannel 0: and we could add a small portion of gearing into the fund.\n\nChannel 1: How's the giving work?\n\nChannel 0: So gearing or leverage leverage investment is basically where you borrow to invest. Now there's two ways to do that, and I wanna before the mind starts ticking. Obviously, you can do that personally where you borrow money and then use that borrowed money to invest, or there\n\nChannel 1: Yeah. I\n\nChannel 0: are\n\nChannel 1: have I have been thinking\n\nChannel 0: investment\n\nChannel 1: about that.\n\nChannel 0: alright.\n\nChannel 1: Have been thinking about it, but it's high risk. But then all you can do\n\nChannel 0: It\n\nChannel 1: is through the Palm County.\n\nChannel 0: yes. Yes. You can. So, like, you can do sort of, like, what's called debt recycling. So you can take money out of your property.\n\nSo, like, equity out of your property and use that to invest. And, you know, it can become a tax deductible and so on and so forth. But what you can all do is inside an investment specific investment options is the actual investment manager will go and borrow money on your behalf to then leverage and invest. They'll have your cash as basically the the the asset that it's it's leveraged against, and they basically and it could be it can be geared between a 120 to a 180%. The risks are obviously because you're putting your money in, if they lose and they lose big, you can walk away with zero.\n\nBut the other option that it's much higher returns when it returns because you've got the leverage in there. They borrowed money for you. But you don't obviously have, you know, as a as a a benefit is you don't you haven't physically taken the loan out, so you're not going to end up with, like, negative you just basically walk away with zero and not, you know, a loan amount.\n\nChannel 1: So I don't take loan out, but this comes out through my super against my property against my house or against oh, that's through you guys. Right? That's the you you do it for me. I'll do\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: So\n\nChannel 1: invest.\n\nChannel 0: so there's two options. There is where you borrow money\n\nChannel 1: Yep.\n\nChannel 0: against your property, and that is basically called recycling or or leveraged investments because you leverage it against your property. There's the other one where there are specific geared assets, and they internally gear. So you basically you give, say, a $100 to the asset, to the stock, or the the the security, the ETF, whatever you wanna sort of call it. Same\n\nChannel 1: Yep.\n\nChannel 0: thing. And what that asset does is they go to an a lender. They borrow money. So let's just say it's geared to a 150%. So on a $100, they'll end up getting $50.\n\nAnd then\n\nChannel 1: Yep.\n\nChannel 0: they invest that 150, the 100 UKs, and the fifty day borrowed. They invest that into the into the market, and it does its thing, and you get your return. The downside\n\nChannel 1: Yep.\n\nChannel 0: is is when it goes down, you've got a $150 in there, and you still have a loan that you have to repay. But because it's internally within the fund, if it loses and you say have a a negative return and you still have to repay the $50, your, like, poll is not having to pay that $50 out of his personal cash because it's all quarantined within that month.\n\nChannel 1: Right. Okay. Let's see. So that's all in the funds and then and then the negative ones, I can claim my income tax as well. And then the growth becomes income tax on that.\n\nChannel 0: Not not through your super fund. It's all quarantined in your super fund. If you wanna\n\nChannel 1: Alright.\n\nChannel 0: go with option one where you take money out against your house personally and\n\nChannel 1: Yeah.\n\nChannel 0: you still have to service that loan personally,\n\nChannel 1: Yep.\n\nChannel 0: and then\n\nChannel 1: Yep.\n\nChannel 0: we invest, the risk is is that if the investment does have a negative year\n\nChannel 1: Yep.\n\nChannel 0: here, you still have to service that loan taken against your house. And that's where the biggest risk with with it's called debt recycling. That's\n\nChannel 1: Yep.\n\nChannel 0: where that biggest risk comes from. When you physically take out a personal loan against your personal name or against the personal asset,\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: I'll do\n\nChannel 0: that\n\nChannel 1: that.\n\nChannel 0: that's\n\nChannel 1: I'll\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: bigger risk for that side.\n\nChannel 1: that's me doing it personally, But still in my\n\nChannel 0: Yep.\n\nChannel 1: super fund. But it's against my house and do my super fund. Is that alright?\n\nChannel 0: It wouldn't be, I guess,\n\nChannel 1: Yep.\n\nChannel 0: it wouldn't be into your super fund. It would be into a personally owned investment account.\n\nChannel 1: Yep. Right. Yep.\n\nChannel 0: You wouldn't put it into your super fund, but, like, I I can structure I can help you structure a debt recycling. I can help you structure an investment account. I can help you, you know, set up investments within that account. I I can give you debt recycling advice. That's exactly what that is, where\n\nChannel 1: Yep.\n\nChannel 0: you take so I can help you with that that strategy and show you what it looks like. It does take a little bit of time for me to draw\n\nChannel 1: Yep.\n\nChannel 0: up. Doing wrong. It's not something I can\n\nChannel 1: You\n\nChannel 0: turn\n\nChannel 1: know\n\nChannel 0: around\n\nChannel 1: what?\n\nChannel 0: in a day.\n\nChannel 1: I do like where you're coming from because I've been thinking about this. I've been thinking about going to the bank and getting a loan as well because I can claim the interest on my income tax loan. So there's more on my way to do the cat. You know? But\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: that's\n\nChannel 1: thing\n\nChannel 0: the better. You you do get the the interest becomes a\n\nChannel 1: the thing I'm struggling with at the moment is that I've got one more year of child support. So I've sort of I think I'm gonna wait till my child support's gone\n\nChannel 0: deduction.\n\nChannel 1: because\n\nChannel 0: Yes.\n\nChannel 1: it just\n\nChannel 0: Fair.\n\nChannel 1: makes it that much harder. Every time I try and get loans and everything, I got out of my missus on because they just go child support bang.\n\nChannel 0: Yes.\n\nChannel 1: And that stuff's my loan my ability and what I can loan goes\n\nChannel 0: Yeah. You do everything. Yeah.\n\nChannel 1: from\n\nChannel 0: Absolutely.\n\nChannel 1: the 10 shit house. Even though I'm on a good income and I've got this and I've got that, they look at that child support and go bang, and they just slaughter me.\n\nChannel 0: Yeah.\n\nChannel 1: Exploring.\n\nChannel 0: And so\n\nChannel 1: Yeah.\n\nChannel 0: when so it's it's Mia that's still under\n\nChannel 1: She\n\nChannel 0: 18?\n\nChannel 1: yeah. So she's got another year probably, and she hasn't been to school, so a year and six months. So because\n\nChannel 0: Okay.\n\nChannel 1: I know like, I went to the bank. They gave me preapproved for 1.4, and then they I went to the bank with that, and I can only get 600,000. And as soon as I put my missus on, I was just because the child support went back up to 1.8. I was just like, you're kidding.\n\nChannel 0: Yeah.\n\nChannel 1: They're just crazy.\n\nChannel 0: Yeah.\n\nChannel 1: I see where they're coming from, but I'm just like, hang on.\n\nChannel 0: Yeah. Because\n\nChannel 1: Any\n\nChannel 0: that it's that serviceability.\n\nChannel 1: but that's what I wanna look at down the track because otherwise, I'm gonna be retiring. I think I'll be on\n\nChannel 0: Okay.\n\nChannel 1: the street.\n\nChannel 0: Alright. Well, it's something you can definitely sell back to in, say, six months.\n\nChannel 1: Yeah.\n\nChannel 0: Oh,\n\nChannel 1: But\n\nChannel 0: so\n\nChannel 1: what see, what's the\n\nChannel 0: 12\n\nChannel 1: other one? That's\n\nChannel 0: 12\n\nChannel 1: fine.\n\nChannel 0: to eighteen\n\nChannel 1: If I\n\nChannel 0: months.\n\nChannel 1: do against my house. But option two\n\nChannel 0: Yep.\n\nChannel 1: what was the option two? Option two was\n\nChannel 0: So option two is basically an internally geared asset that I can put into your super fund. So it increases the risk. Because currently, you are a high growth, which means that basically 90% like, 90 to 95 of your of your funds are invested on the market and the investments for growth oriented funds.\n\nChannel 1: Yep.\n\nChannel 0: What would happen here is it would increase to basically over a 100% because you have, like, you the asset itself that I would recommend, whatever that is when I research, would borrow money and would gear. So you you would instead of having 95% invested having\n\nChannel 1: 100 or a 100 and 10%. But what that way does that come\n\nChannel 0: yeah.\n\nChannel 1: off? Please use the equity for that loan, my house again or my super fund.\n\nChannel 0: No. It it's it's cash. It's cash it's cash equity. So because you basically, let's just say we put $10 into that specific asset. So you know how you have all the different assets in your\n\nChannel 1: Yep.\n\nChannel 0: super fund. Each of them have a percentage that you're invested in. What we would do is we take some of the some of the money that's sitting in some of those assets. We could pull it out, pop it into what this new, like, geared asset or couple of these\n\nChannel 1: Yep.\n\nChannel 0: different geared assets, have a look. And what would happen is you have a cash asset that goes away to that provider, and that provider would then borrow money and go from there. Obviously, it's not a 100% of borrowing 50. It's more like\n\nChannel 1: Yeah.\n\nChannel 0: a 100,000,000 and they're borrowing 50,000,000 because your money is the only money in that pool. But that's sort of the mechanics of it.\n\nChannel 1: Yep. Right. And then the option three was not there's one and three. There was an option\n\nChannel 0: Nope.\n\nChannel 1: 3,\n\nChannel 0: One\n\nChannel 1: wasn't\n\nChannel 0: and\n\nChannel 1: there?\n\nChannel 0: 2.\n\nChannel 1: 12.\n\nChannel 0: No. It's basically it's basically option. It's one and two. So you can do it personally. Personally, it can either be leveraged against you as an\n\nChannel 1: Yeah.\n\nChannel 0: individual, your income, or you can do it against your house. I don't recommend you\n\nChannel 1: No.\n\nChannel 0: do it against you as an as an individual, purely and simply because the interest rate becomes a higher when you don't secure it against asset, whereas with an asset, you can secure it for your your your home repaying percentage,\n\nChannel 1: Yep. That's right. I\n\nChannel 0: or you basically do it with an internally geared asset.\n\nChannel 1: I I mentioned the second one because I've gotta do something and it's probably with what's been going on in the world lately, I know the markets are still good, but they've dropped a bit. So it's probably a good time to buy into something good\n\nChannel 0: Yeah.\n\nChannel 1: that will recover after all these walls settle down.\n\nChannel 0: Well, I can what I'll do is I'll insurance research will be sent out through you today.\n\nChannel 1: Yep.\n\nChannel 0: It's afternoon because I have a few hours around lunchtime, and I should be able to knock it out.\n\nChannel 1: K.\n\nChannel 0: And then what I'll do is I'll send you a few a little bit more information on, like, internally geared assets. So that way, you can have a chat with the fiance. And and,\n\nChannel 1: Okay. You say\n\nChannel 0: yeah,\n\nChannel 1: it.\n\nChannel 0: you could just book an email to me.\n\nChannel 1: Okay. That sounds probably good then. But as regards\n\nChannel 0: Yeah.\n\nChannel 1: to fund go through everything in the fund, I've already read through it all. So I\n\nChannel 0: Yeah.\n\nChannel 1: know I'd I'm still India still got better growth in China, so I'll still stay there. Unless you advise otherwise, but I don't know. I think it was pretty good advice I took last year going from China to India.\n\nChannel 0: Yeah.\n\nChannel 1: China is still struggling. India seems to be on the up. Oh,\n\nChannel 0: Definitely.\n\nChannel 1: China's got China's got China's got is struggling, but\n\nChannel 0: Yeah. They're they're going okay. They just don't have strong growth.\n\nChannel 1: yeah. India has just got stronger growth. Yeah. I think I think they wound up doing the GDP was substantially higher compared to China. So yeah.\n\nAnyway and the rest is just the usual stuff. I think you see it through Hub 24, which is fine. So that's\n\nChannel 0: Yep.\n\nChannel 1: all good. Nothing besides that. You're happy with the way my funds invested then?\n\nChannel 0: Yeah. I am happy with where where they're invested. I have no no, I guess, great concerns. But we could definitely look at gearing, and I can I'll send you through some information. You can have us sort of think about it, and then I can if you wanna go ahead, I can draw up\n\nChannel 1: Oh,\n\nChannel 0: some, like, different portfolio options and and obviously do my research on the back end and then send you through recommendations from there and pull\n\nChannel 1: yeah.\n\nChannel 0: through.\n\nChannel 1: Alright. That sounds good. Sounds like a good job. Alright. Wonderful.\n\nWonderful. That's I think, yep, some policy is good. Just need to look at options, simplify it, gearing, and protection. Sounds perfect. Sorry.\n\nWhat's your\n\nChannel 0: Yes.\n\nChannel 1: name?\n\nChannel 0: Larissa.\n\nChannel 1: Larissa. Larissa. No problem. Sorry. Thank you, Larissa.\n\nMuch appreciated. Is there anything\n\nChannel 0: No.\n\nChannel 1: else\n\nChannel 0: Absolutely.\n\nChannel 1: we need\n\nChannel 0: My pleasure. No. Well, I'll I'll send you an email with, like, a a bit of a, like, an annual review pack. That way, you have extra\n\nChannel 1: no.\n\nChannel 0: information. But I'll\n\nChannel 1: Oh,\n\nChannel 0: just include I'll just include that with like, I'll send it at the same time that I send all the information.\n\nChannel 1: and the the beneficiaries update too.\n\nChannel 0: Yes. Send it through the beneficiary form already written into my notes. So I'll send that through. Are you happy if I email that to you,\n\nChannel 1: Yep.\n\nChannel 0: or would you\n\nChannel 1: Absolutely.\n\nChannel 0: prefer it posted?\n\nChannel 1: No.\n\nChannel 0: Email?\n\nChannel 1: No. Email.\n\nChannel 0: Cool.\n\nChannel 1: Email\n\nChannel 0: Perfect.\n\nChannel 1: is good.\n\nChannel 0: I'll I'll send that through. I'll send through both of them. I'll send through to Zurich, and I'll send through the help one. That way, you have both of them. Obviously, if we move away from Zurich, it'll have\n\nChannel 1: Yep.\n\nChannel 0: to be a new new one,\n\nChannel 1: Yep. Oh, that's fine.\n\nChannel 0: but I'll send them through today anyway.\n\nChannel 1: Alright. Thank you. Much appreciated, Larissa. You have a good day.\n\nChannel 0: Yeah. You too. Thanks,\n\nChannel 1: Thank you.\n\nChannel 0: Paul. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":0.0,"end":0.9,"sentiment":"neutral","sentiment_score":0.2633870840072632},{"text":"Good morning.","start":3.04,"end":3.78,"sentiment":"positive","sentiment_score":0.34010404348373413}],"sentiment":"neutral","sentiment_score":0.30174556374549866,"channel":1,"num_words":4,"start":0.0,"end":3.78},{"sentences":[{"text":"Good.","start":3.6799998,"end":4.18,"sentiment":"positive","sentiment_score":0.38998711109161377},{"text":"Paul.","start":4.72,"end":5.12,"sentiment":"neutral","sentiment_score":0.2651539444923401},{"text":"Melissa from Financial.","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2074049562215805},{"text":"How are you going?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.20792926102876663},{"text":"Yeah.","start":9.28,"end":9.78,"sentiment":"neutral","sentiment_score":0.2411813735961914}],"sentiment":"neutral","sentiment_score":0.23502543419599534,"channel":0,"num_words":10,"start":3.6799998,"end":9.78},{"sentences":[{"text":"Good.","start":9.84,"end":10.34,"sentiment":"positive","sentiment_score":0.45362213253974915},{"text":"Thanks.","start":10.4,"end":10.9,"sentiment":"positive","sentiment_score":0.4968944191932678},{"text":"Have I got you at a good time so we can go","start":11.92,"end":13.84,"sentiment":"neutral","sentiment_score":0.24484583362936974}],"sentiment":"neutral","sentiment_score":0.27776189680610386,"channel":0,"num_words":14,"start":9.84,"end":13.84},{"sentences":[{"text":"Yep.","start":13.825001,"end":14.325001,"sentiment":"neutral","sentiment_score":0.1720397174358368}],"sentiment":"neutral","sentiment_score":0.1720397174358368,"channel":1,"num_words":1,"start":13.825001,"end":14.325001},{"sentences":[{"text":"through and have a bit of a chat?","start":13.84,"end":15.219999,"sentiment":"neutral","sentiment_score":0.15023265779018402}],"sentiment":"neutral","sentiment_score":0.15023265779018402,"channel":0,"num_words":8,"start":13.84,"end":15.219999},{"sentences":[{"text":"Yep.","start":15.585,"end":15.825001,"sentiment":"neutral","sentiment_score":0.13814322650432587},{"text":"Absolutely.","start":15.825001,"end":16.325,"sentiment":"positive","sentiment_score":0.5381106734275818}],"sentiment":"positive","sentiment_score":0.3381269499659538,"channel":1,"num_words":2,"start":15.585,"end":16.325},{"sentences":[{"text":"Amazing.","start":15.965,"end":16.465,"sentiment":"positive","sentiment_score":0.6628271341323853},{"text":"Perfect.","start":17.885,"end":18.365,"sentiment":"positive","sentiment_score":0.636379063129425},{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded.","start":18.365,"end":22.205,"sentiment":"neutral","sentiment_score":0.03232899328900708},{"text":"And if I 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anything","start":2231.335,"end":2231.815,"sentiment":"neutral","sentiment_score":0.05752051497499148}],"sentiment":"neutral","sentiment_score":0.17773397341370584,"channel":1,"num_words":5,"start":2229.975,"end":2231.815},{"sentences":[{"text":"No.","start":2231.6748,"end":2231.9949,"sentiment":"neutral","sentiment_score":0.01793607696890831}],"sentiment":"neutral","sentiment_score":0.01793607696890831,"channel":0,"num_words":1,"start":2231.6748,"end":2231.9949},{"sentences":[{"text":"else","start":2231.815,"end":2232.055,"sentiment":"neutral","sentiment_score":0.01426035724580288}],"sentiment":"neutral","sentiment_score":0.01426035724580288,"channel":1,"num_words":1,"start":2231.815,"end":2232.055},{"sentences":[{"text":"Absolutely.","start":2231.9949,"end":2232.395,"sentiment":"neutral","sentiment_score":0.027339240536093712}],"sentiment":"neutral","sentiment_score":0.027339240536093712,"channel":0,"num_words":1,"start":2231.9949,"end":2232.395},{"sentences":[{"text":"we need","start":2232.055,"end":2232.715,"sentiment":"neutral","sentiment_score":0.017607981339097023}],"sentiment":"neutral","sentiment_score":0.017607981339097023,"channel":1,"num_words":2,"start":2232.055,"end":2232.715},{"sentences":[{"text":"My pleasure.","start":2232.395,"end":2233.055,"sentiment":"neutral","sentiment_score":0.07272105291485786},{"text":"No.","start":2235.275,"end":2235.515,"sentiment":"neutral","sentiment_score":0.022581592202186584},{"text":"Well, I'll I'll send you an email with, like, a a bit of a, like, an annual review pack.","start":2235.515,"end":2239.835,"sentiment":"neutral","sentiment_score":0.08759932219982147},{"text":"That way, you have extra","start":2239.835,"end":2241.3801,"sentiment":"neutral","sentiment_score":0.06662728860974312}],"sentiment":"neutral","sentiment_score":0.080205454180638,"channel":0,"num_words":27,"start":2232.395,"end":2241.3801},{"sentences":[{"text":"no.","start":2241.2551,"end":2241.7551,"sentiment":"neutral","sentiment_score":0.049037568271160126}],"sentiment":"neutral","sentiment_score":0.049037568271160126,"channel":1,"num_words":1,"start":2241.2551,"end":2241.7551},{"sentences":[{"text":"information.","start":2241.3801,"end":2241.78,"sentiment":"neutral","sentiment_score":0.04709881544113159},{"text":"But I'll","start":2241.78,"end":2242.1,"sentiment":"neutral","sentiment_score":0.05637120641767979}],"sentiment":"neutral","sentiment_score":0.053280409425497055,"channel":0,"num_words":3,"start":2241.3801,"end":2242.1},{"sentences":[{"text":"Oh,","start":2242.08,"end":2242.58,"sentiment":"neutral","sentiment_score":0.07494528591632843}],"sentiment":"neutral","sentiment_score":0.07494528591632843,"channel":1,"num_words":1,"start":2242.08,"end":2242.58},{"sentences":[{"text":"just include I'll just include that with like, I'll send it at the same time that I send all the information.","start":2242.1,"end":2246.84,"sentiment":"neutral","sentiment_score":0.09209908403101422}],"sentiment":"neutral","sentiment_score":0.09209908403101422,"channel":0,"num_words":21,"start":2242.1,"end":2246.84},{"sentences":[{"text":"and the the beneficiaries update too.","start":2247.4402,"end":2251.06,"sentiment":"neutral","sentiment_score":0.09208482876420021}],"sentiment":"neutral","sentiment_score":0.09208482876420021,"channel":1,"num_words":6,"start":2247.4402,"end":2251.06},{"sentences":[{"text":"Yes.","start":2251.54,"end":2251.78,"sentiment":"neutral","sentiment_score":0.090242400765419},{"text":"Send it through the beneficiary form already written into my notes.","start":2251.78,"end":2255.255,"sentiment":"neutral","sentiment_score":0.10742838477546518},{"text":"So I'll send that through.","start":2255.315,"end":2256.1948,"sentiment":"neutral","sentiment_score":0.08195070624351501},{"text":"Are you happy if I email that to you,","start":2256.1948,"end":2258.2148,"sentiment":"neutral","sentiment_score":0.1322211805317137}],"sentiment":"neutral","sentiment_score":0.11044995343455902,"channel":0,"num_words":26,"start":2251.54,"end":2258.2148},{"sentences":[{"text":"Yep.","start":2258.345,"end":2258.665,"sentiment":"neutral","sentiment_score":0.05476569384336472}],"sentiment":"neutral","sentiment_score":0.05476569384336472,"channel":1,"num_words":1,"start":2258.345,"end":2258.665},{"sentences":[{"text":"or would you","start":2258.355,"end":2258.755,"sentiment":"neutral","sentiment_score":0.023873712867498398}],"sentiment":"neutral","sentiment_score":0.023873712867498398,"channel":0,"num_words":3,"start":2258.355,"end":2258.755},{"sentences":[{"text":"Absolutely.","start":2258.665,"end":2259.165,"sentiment":"neutral","sentiment_score":0.09330703318119048}],"sentiment":"neutral","sentiment_score":0.09330703318119048,"channel":1,"num_words":1,"start":2258.665,"end":2259.165},{"sentences":[{"text":"prefer it posted?","start":2258.755,"end":2259.575,"sentiment":"neutral","sentiment_score":0.02392112712065379}],"sentiment":"neutral","sentiment_score":0.02392112712065379,"channel":0,"num_words":3,"start":2258.755,"end":2259.575},{"sentences":[{"text":"No.","start":2259.785,"end":2260.105,"sentiment":"neutral","sentiment_score":-0.0737084150314331}],"sentiment":"neutral","sentiment_score":-0.0737084150314331,"channel":1,"num_words":1,"start":2259.785,"end":2260.105},{"sentences":[{"text":"Email?","start":2260.035,"end":2260.4348,"sentiment":"neutral","sentiment_score":-0.03710318356752395}],"sentiment":"neutral","sentiment_score":-0.03710318356752395,"channel":0,"num_words":1,"start":2260.035,"end":2260.4348},{"sentences":[{"text":"No.","start":2260.105,"end":2260.345,"sentiment":"neutral","sentiment_score":-0.07073992490768433},{"text":"Email.","start":2260.345,"end":2260.845,"sentiment":"neutral","sentiment_score":-0.00945260189473629}],"sentiment":"neutral","sentiment_score":-0.04009626340121031,"channel":1,"num_words":2,"start":2260.105,"end":2260.845},{"sentences":[{"text":"Cool.","start":2260.4348,"end":2260.9348,"sentiment":"neutral","sentiment_score":0.2728922963142395}],"sentiment":"neutral","sentiment_score":0.2728922963142395,"channel":0,"num_words":1,"start":2260.4348,"end":2260.9348},{"sentences":[{"text":"Email","start":2262.505,"end":2262.825,"sentiment":"neutral","sentiment_score":0.3071322441101074}],"sentiment":"neutral","sentiment_score":0.3071322441101074,"channel":1,"num_words":1,"start":2262.505,"end":2262.825},{"sentences":[{"text":"Perfect.","start":2262.595,"end":2263.095,"sentiment":"positive","sentiment_score":0.4350796937942505}],"sentiment":"positive","sentiment_score":0.4350796937942505,"channel":0,"num_words":1,"start":2262.595,"end":2263.095},{"sentences":[{"text":"is good.","start":2262.825,"end":2263.565,"sentiment":"positive","sentiment_score":0.60826575756073}],"sentiment":"positive","sentiment_score":0.60826575756073,"channel":1,"num_words":2,"start":2262.825,"end":2263.565},{"sentences":[{"text":"I'll I'll send that through.","start":2263.2349,"end":2264.1948,"sentiment":"neutral","sentiment_score":0.27464399933815004},{"text":"I'll send through both of them.","start":2264.1948,"end":2265.875,"sentiment":"neutral","sentiment_score":0.1374311770002047},{"text":"I'll send through to Zurich, and I'll send through the help one.","start":2265.875,"end":2268.18,"sentiment":"neutral","sentiment_score":0.12963695265352726},{"text":"That way, you have both of them.","start":2268.26,"end":2269.3,"sentiment":"neutral","sentiment_score":0.2007184773683548},{"text":"Obviously, if we move away from Zurich, it'll have","start":2269.3,"end":2272.3398,"sentiment":"neutral","sentiment_score":-0.10275845602154732}],"sentiment":"neutral","sentiment_score":0.10855522379279137,"channel":0,"num_words":39,"start":2263.2349,"end":2272.3398},{"sentences":[{"text":"Yep.","start":2272.1702,"end":2272.6702,"sentiment":"neutral","sentiment_score":-0.01020100899040699}],"sentiment":"neutral","sentiment_score":-0.01020100899040699,"channel":1,"num_words":1,"start":2272.1702,"end":2272.6702},{"sentences":[{"text":"to be a new new one,","start":2272.3398,"end":2273.48,"sentiment":"neutral","sentiment_score":-0.047148496533433594}],"sentiment":"neutral","sentiment_score":-0.047148496533433594,"channel":0,"num_words":6,"start":2272.3398,"end":2273.48},{"sentences":[{"text":"Yep.","start":2273.1301,"end":2273.53,"sentiment":"neutral","sentiment_score":0.0409887433052063},{"text":"Oh, that's fine.","start":2273.53,"end":2274.4302,"sentiment":"neutral","sentiment_score":0.15627031028270721}],"sentiment":"neutral","sentiment_score":0.12744991853833199,"channel":1,"num_words":4,"start":2273.1301,"end":2274.4302},{"sentences":[{"text":"but I'll send them through today anyway.","start":2273.94,"end":2275.72,"sentiment":"neutral","sentiment_score":0.1320390115891184}],"sentiment":"neutral","sentiment_score":0.1320390115891184,"channel":0,"num_words":7,"start":2273.94,"end":2275.72},{"sentences":[{"text":"Alright.","start":2276.1702,"end":2276.49,"sentiment":"positive","sentiment_score":0.3822956085205078},{"text":"Thank you.","start":2276.49,"end":2276.81,"sentiment":"positive","sentiment_score":0.7083806693553925},{"text":"Much appreciated, Larissa.","start":2276.81,"end":2277.85,"sentiment":"positive","sentiment_score":0.8253229260444641},{"text":"You have a good day.","start":2277.85,"end":2278.9102,"sentiment":"positive","sentiment_score":0.7738203167915344}],"sentiment":"positive","sentiment_score":0.7403752099383961,"channel":1,"num_words":11,"start":2276.1702,"end":2278.9102},{"sentences":[{"text":"Yeah.","start":2279.54,"end":2279.8599,"sentiment":"positive","sentiment_score":0.43198567628860474},{"text":"You too.","start":2279.8599,"end":2280.5999,"sentiment":"positive","sentiment_score":0.38922223448753357},{"text":"Thanks,","start":2280.8198,"end":2281.3,"sentiment":"positive","sentiment_score":0.5605202913284302}],"sentiment":"positive","sentiment_score":0.4427376091480255,"channel":0,"num_words":4,"start":2279.54,"end":2281.3},{"sentences":[{"text":"Thank you.","start":2280.8901,"end":2281.71,"sentiment":"positive","sentiment_score":0.7172188758850098}],"sentiment":"positive","sentiment_score":0.7172188758850098,"channel":1,"num_words":2,"start":2280.8901,"end":2281.71},{"sentences":[{"text":"Paul.","start":2281.3,"end":2281.8,"sentiment":"positive","sentiment_score":0.3772512674331665},{"text":"Bye.","start":2282.5798,"end":2283.0798,"sentiment":"neutral","sentiment_score":-0.10843971371650696}],"sentiment":"neutral","sentiment_score":0.13440577685832977,"channel":0,"num_words":2,"start":2281.3,"end":2283.0798}]},"summary":{"result":"success","short":"The representative from Financial discusses the insurance policy with a customer who is confused about their coverage and multiple policies. They explain that the policy is for everyone, including their spouse and children, and that they are not paying two premiums. The agent explains that the policy is insured for a million and offers to provide a quote and email the customer with options. They also discuss the possibility of investing in a property and the importance of staying within a personal super fund. The speaker provides information on different options for investment and sends a review pack to the caller."},"intents":{"segments":[{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you to confirm security for me, it's just full name, date of birth, and address.","start_word":41,"end_word":79,"intents":[{"intent":"Confirm security","confidence_score":0.227765}]},{"text":"So the the whole point in that, I guess, why we we go through and do and we all touch bases is to to have a bit of chat with you and and be able to update you on where things are at.","start_word":97,"end_word":139,"intents":[{"intent":"Update on situation","confidence_score":0.12802489}]},{"text":"Whitlam did leave a note on file that you were concerned that your insurances hadn't been implemented Yep. and that you didn't have, like, a million dollars worth of cover that you No.","start_word":141,"end_word":173,"intents":[{"intent":"Check policy issue","confidence_score":0.000010151773}]},{"text":"Because something did happen, then it'd be in dispute because this policy states that, and then you're saying you got a policy that states million. And then that's why I know what insurance companies are like. They go, well, no. Hang on. Yeah. This one says that. And then whoever if I did pass away, we'd have to go to court, try and find out which insurance policy was right.","start_word":599,"end_word":668,"intents":[{"intent":"Resolve insurance dispute","confidence_score":0.013887691}]},{"text":"six lines of of benefit where it says 65915 and also 7451585 Yep.","start_word":684,"end_word":696,"intents":[{"intent":"Clarify policy details","confidence_score":0.33896843}]},{"text":"they shouldn't. It should all it should all fall on the same policy.","start_word":1017,"end_word":1029,"intents":[{"intent":"Clarify policy information","confidence_score":0.02043051}]},{"text":"It's still reason for the two It's policies. all under the But you know what I mean? Like, it's it's one it's policy it's always number. taken up to be a court law. It's one policy number, but it's really two separate things.","start_word":1382,"end_word":1424,"intents":[{"intent":"Clarify policy details","confidence_score":0.1681141}]},{"text":"It's just how they structure it because from a back end perspective, they wanna segment the two different dates of the policy, like, the the amount were like, at the inception Yep.","start_word":1657,"end_word":1688,"intents":[{"intent":"Structure policy","confidence_score":0.6593738},{"intent":"Clarify policy structure","confidence_score":0.17757389}]},{"text":"So I thought they just cancel one policy and go this is a new policy and roll it over to the new policy.","start_word":1746,"end_word":1768,"intents":[{"intent":"Cancel policy","confidence_score":0.12791546}]},{"text":"I can quote it simple. up to see whether there's any, yeah, I can quote up to see whether there's any, like, new policy structures on the market to see whether it could we could reduce the cost, stuff like that as well.","start_word":1946,"end_word":1988,"intents":[{"intent":"Quote policy structures","confidence_score":0.12911637}]},{"text":"up to see whether there's any, yeah, I can quote up to see whether there's any, like, new policy structures on the market to see whether it could we could reduce the cost, stuff like that as well.","start_word":1951,"end_word":1988,"intents":[{"intent":"Reduce cost","confidence_score":0.83857083}]},{"text":"the way they structure them. Like, from a back end like, I I agree with you. From a back end perspective, they should they should just have it segmented. And then for you as the customer, they should be combining them all to say, hey. This is what your actual payout about is. Yeah.","start_word":2203,"end_word":2256,"intents":[{"intent":"Improve policy structure","confidence_score":0.0019078887}]},{"text":"So I want to have a look at income protection too, but I think last time it's something like $9,000 for income protection for me when I got a Okay.","start_word":2524,"end_word":2553,"intents":[{"intent":"Discuss income protection","confidence_score":0.22770941}]},{"text":"I can how so what what I can do is I can I can go through and quote, and I can quote a few different options today?","start_word":2555,"end_word":2581,"intents":[{"intent":"Request quote","confidence_score":0.08606086},{"intent":"Quote options","confidence_score":0.008874575}]},{"text":"And I can email them through you today, and you can obviously have a look over the Yes. weekend. And you can email me back with like, after I call you up Income Protection and have a look at a few different options on that front, what it might look like for you, and and how that would work price wise.","start_word":2582,"end_word":2642,"intents":[{"intent":"Request email back","confidence_score":0.0052057314}]},{"text":"And you can email me back with like, after I call you up Income Protection and have a look at a few different options on that front, what it might look like for you, and and how that would work price wise.","start_word":2601,"end_word":2642,"intents":[{"intent":"Discuss pricing","confidence_score":0.0095459465}]},{"text":"Of course, Yep.","start_word":2715,"end_word":2717,"intents":[{"intent":"Express gratitude","confidence_score":0.09890946}]},{"text":"So with with premiums paid by your super fund, they are 15% cheaper than what they would be if you paid them out of pocket.","start_word":2732,"end_word":2756,"intents":[{"intent":"Determine cost savings","confidence_score":0.0026927136}]},{"text":"If you don't mind, are you okay if I sort of just run through to make sure that my records are up to date with regards to your income and stuff like that for when Yep.","start_word":3179,"end_word":3214,"intents":[{"intent":"Check records and schedule","confidence_score":0.00006944571}]},{"text":"I like to make sure I follow procedures and do everything right and safely and etcetera, etcetera.","start_word":3488,"end_word":3504,"intents":[{"intent":"Follow procedures","confidence_score":0.07414493}]},{"text":"Well, congratulations. Thank you.","start_word":3719,"end_word":3722,"intents":[{"intent":"Congratulate on having a house","confidence_score":0.0013028089}]},{"text":"Do you wanna look at updating your Next of Kin details then and list her? Yeah.","start_word":3723,"end_word":3738,"intents":[{"intent":"Update kin details","confidence_score":0.13633668}]},{"text":"We're gonna discuss it at the moment, like, because I discuss what she wants to do with her place and her kids.","start_word":3801,"end_word":3822,"intents":[{"intent":"Discuss location","confidence_score":0.0053086705}]},{"text":"Do you wanna leave it with Grace? Yeah.","start_word":3879,"end_word":3886,"intents":[{"intent":"Leave contact with grace","confidence_score":0.21004835}]},{"text":"Now I can just I can throw Danny on as emergency contact too, can't I? Danny Yeah.","start_word":3962,"end_word":3978,"intents":[{"intent":"Throw on contact","confidence_score":0.018974738}]},{"text":"is my partner. She's my fiancee, Yes. Absolutely. man.","start_word":3982,"end_word":3990,"intents":[{"intent":"List partner","confidence_score":0.04323056}]},{"text":"Well, what I can do is I can list her. I just need a mobile number for Yep. her.","start_word":4005,"end_word":4023,"intents":[{"intent":"Retrieve phone number","confidence_score":0.010621318}]},{"text":"I are have I have been thinking investment about that. alright.","start_word":4865,"end_word":4875,"intents":[{"intent":"Advise on investment options","confidence_score":0.003094258}]},{"text":"And what would happen is you have a cash asset that goes away to that provider, and that provider would then borrow money and go from there.","start_word":6280,"end_word":6306,"intents":[{"intent":"Discuss cash asset","confidence_score":0.08634423}]},{"text":"Personally, it can either be leveraged against you as an Yeah.","start_word":6383,"end_word":6393,"intents":[{"intent":"Discuss personal leverage","confidence_score":0.0022837883}]},{"text":"And then what I'll do is I'll send you a few a little bit more information on, like, internally geared assets. So that way, you can have a chat with the fiance. And and, Okay.","start_word":6559,"end_word":6593,"intents":[{"intent":"Send about geared assets","confidence_score":0.0000013828902}]},{"text":"you could just book an email to me. Okay.","start_word":6598,"end_word":6606,"intents":[{"intent":"Book email","confidence_score":0.31047216}]},{"text":"to fund go through everything in the fund, I've already read through it all. So I Yeah.","start_word":6616,"end_word":6632,"intents":[{"intent":"Review fund information","confidence_score":0.010516065}]},{"text":"But we could definitely look at gearing, and I can I'll send you through some information. You can have us sort of think about it, and then I can if you wanna go ahead, I can draw up Oh, some, like, different portfolio options and and obviously do my research on the back end and then send you through recommendations from there and pull yeah. through.","start_word":6787,"end_word":6852,"intents":[{"intent":"Discuss gearing and protection options","confidence_score":0.015711013}]},{"text":"Well, I'll I'll send you an email with, like, a a bit of a, like, an annual review pack. That way, you have extra no. information. But I'll Oh, just include I'll just include that with like, I'll send it at the same time that I send all the information. and the the beneficiaries update too. Yes.","start_word":6913,"end_word":6969,"intents":[{"intent":"Send annual review pack","confidence_score":0.17467187}]}]},"sentiments":{"segments":[{"text":"Good morning. Good morning.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.2943541705608368},{"text":"Good.","start_word":4,"end_word":4,"sentiment":"positive","sentiment_score":0.38998711109161377},{"text":"Paul. Melissa from Financial. How are you going? Yeah.","start_word":5,"end_word":13,"sentiment":"neutral","sentiment_score":0.22534145414829257},{"text":"Good. Thanks.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.4752582907676697},{"text":"Have I got you at a good time so we can go Yep. through and have a bit of a chat? Yep.","start_word":16,"end_word":37,"sentiment":"neutral","sentiment_score":0.19356518983840945},{"text":"Absolutely. Amazing. Perfect.","start_word":38,"end_word":40,"sentiment":"positive","sentiment_score":0.612438976764679},{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you to confirm security for me, it's just full name, date of birth, and address. Paul Patrick David, Jeremy Janco. 21st And 3rd 3337 Magna Road, Wollongong, New South Wales.","start_word":41,"end_word":94,"sentiment":"neutral","sentiment_score":0.03454520180821419},{"text":"Perfect. Amazing.","start_word":95,"end_word":96,"sentiment":"positive","sentiment_score":0.5094109773635864},{"text":"So the the whole point in that, I guess, why we we go through and do and we all touch bases is to to have a bit of chat with you and and be able to update you on where things are at. Yep. Whitlam did leave a note on file that you were concerned that your insurances hadn't been implemented Yep. and that you didn't have, like, a million dollars worth of cover that you No. I went through that last of you, I believe, and it was all okay. And I got a email from Zurich saying I'm still only covered $6.50 for this debt. And when I spoke last time through this process, I said, look, I need a million because that's my house and value that.","start_word":97,"end_word":226,"sentiment":"neutral","sentiment_score":-0.06318285316228867},{"text":"Like, $6.","start_word":227,"end_word":228,"sentiment":"negative","sentiment_score":-0.35062193870544434},{"text":"50 hasn't even paid the house off. You know what I mean? Absolutely. Yeah. And that that's all that was all done. I signed all the paperwork. I went through DocuSign. Everything went through. And then I get a email from Zurich saying you only cut $6.50. So obviously, somewhere between you guys or them, no one changed policy. Do you know are you able to, by chance, email me the email you received? Just because I logged on last night after, like, after, like, I was I was reviewing my files for today. And when I logged on and scribble checked, and your policy is definitely sitting at over 1,000,000. It's actually sitting at 1 Yes. million From or 100,000. from Zurich? Yep. Zurich policy. Yep. Yep. Zurich Alright. policy So 91129371. yep. So I emailed Zurich back saying, like, yeah, other what's going on? Hang on. I'll just pull that now. So I'll just double Yeah. that's fine. Yeah. That's why I threw a customer. Yeah. It went through. I opened it up. What's the policy number on that? I wouldn't have two, like, because I updated it. They gave me policy and then Yeah. a yearly yearly payment of $3.09 $3.05 $8.09. $3,144.08 Yep. 9. Policy number 91129371. Yep. So That's what the what that's the that's same policy number. the same policy, and I go down went down through it, and it goes death and modified illness, not 6 5650. Buyback death, $6.50. Yeah. It's all $6.50. $6.50 60. Buyback death, modified Okay. CPD, death and terminal illness, 65915.","start_word":228,"end_word":490,"sentiment":"neutral","sentiment_score":-0.08255145326256752},{"text":"That's why I'm confused. And that We're stuck that's with it.","start_word":491,"end_word":501,"sentiment":"negative","sentiment_score":-0.4346555173397064},{"text":"And then you're saying you got the and million, that email but then was received this email and was that received. that email was received recently? When is it today? July 25. Yeah. So two days ago. Okay. Yeah. Fair enough. No. Yeah. I'll I'll just forward it to you. So what what's your email address? Hang on. Let's go forward. I emailed them back saying, oh, what's going on? I thought it was a million.","start_word":502,"end_word":577,"sentiment":"neutral","sentiment_score":-0.05589112266898155},{"text":"I put it back to Zurich saying, I thought I did this with my both of you. A bit disappointed. Yeah. Because something did happen, then it'd be in dispute because this policy states that, and then you're saying you got a policy that states million. And then that's why I know what insurance companies are like. They go, well, no. Hang on.","start_word":578,"end_word":640,"sentiment":"negative","sentiment_score":-0.43885737657547},{"text":"Yeah.","start_word":641,"end_word":641,"sentiment":"neutral","sentiment_score":-0.33082616329193115},{"text":"This one says that. And then whoever if I did pass away, we'd have to go to court, try and find out which insurance policy was right.","start_word":642,"end_word":668,"sentiment":"negative","sentiment_score":-0.49671074748039246},{"text":"That's where it concerns Does it by any does it by any chance have me. six lines of of benefit where it says 65915 and also 7451585 Yep. Oh, as no. 2 No. different It just goes. Bethan terminal. Yep. It does. We got 451 It 4 50 only one lists 450 the one. k. So you because originally, your original policy was the $6.50. And when Yep. we increased it, what it does is it adds a second benefit. Like, it's the same benefit, but instead of combining them as one lump sum, it it splits them because your original policy has a start date of x, and then just the increase has a start date of x. It does So I'm paying add up two to be the one one. so It's I'm paying not two two premiums policies. then. It it's it's But I'm not paying two premiums two premium. either. It's all falls on it it's not two premiums. It all falls under the one policy. It's just Well, that's all like, they've it's got there. split because it has different I haven't received I haven't received the second policy. All they've given me is that policy. There's nothing forward else it in through there. to me. There's nothing there about the next policy. Like, it just that's that's all it's got. It's that one, and it hasn't sent me anything else. So this is the anniversary. This is how much it Yeah. costs. And just that, it's only got that. It doesn't have any extras. Life insurance to all those six lines, and it's got nothing else in there about anything else about this other add on policy that you're talking about. There's nothing in there at all about it. If you have any problems, just call. So I don't know. I don't know. Yep. I surely, they will let me through the add on then. If they sent me through this one, this is policy blocked unless it sent through another date when I changed it. When's No. when's They the date? they shouldn't. It should all it should all fall on the same policy. Yeah. Well, it's only '71, and it just set you up for renewal at $6.50. That's why I don't know if you're saying your end, it's all 1,000,000, but on my end, I read the $6.50. Yeah. Because Good. I I'm I'm looking at the letter. I've I logged on to the portal, and I can see the correspondence they send you. Because it says, like, cover type, current cover, increased cover, premium without cover increase, premium within a cover increase, cover expiry date. Yep. And it's death and terminal death and terminal illness. Our cover Yep. is 06/19 Yep. '9 $1.09, increase is $6.59 15, then CPD, Yep. and then buyback, and then it's got death and terminal illness of $4.31 $0.09 $0.08 1 and Yep. 451585.","start_word":669,"end_word":1157,"sentiment":"neutral","sentiment_score":-0.037105171106077715},{"text":"Excellent. Come Cool.","start_word":1158,"end_word":1160,"sentiment":"positive","sentiment_score":0.4421442151069641},{"text":"on. There's there's nothing else So about the extra. But you're saying there's a bit of a million, but the the way that reads me read that read that to me. That's all I'm covered for. yep. So 650,000 plus $4.51 $5.08 5 is 1.102. Where where So where that is is the the million app? So what what what $6.50 and then the $4.51? So what they add that to the $6.50? So my wife's Yeah. insurance Correct. policy Yeah. So so my wife's insurance policy is still only $6.50, though. Because death and terminal illness, $6.50. But there's That's two lines I for just death and oh, terminal I'm illness. just too oh, sorry. I didn't have my glasses on. Death and Yeah. terminal illness. No. No. You're Right. okay. Yeah. Right. So if you Okay. were to pass away, there's two lines Yeah. that Okay. are Now I see. payable. So I see. I haven't got my glasses on. Modified Yeah. type. Modified type. You're so It was fine. I don't know why I just wanna put in the one and in charge. I know it's just anyway. Alright. That's so much sense now. So they add them together. It's all So yeah. that's the From reason a back for the end policy. perspective, it is added together. It's still reason for the two It's policies. all under the But you know what I mean? Like, it's it's one it's policy it's always number. taken up to be a court law. It's one policy number, but it's really two separate things. So people go, which one? And look, I know my sister's a lawyer and basically go, oh, well, the high one's $6.50. We'll pay that and not pay the $4.50. You know what I mean? So it should be one policy. Yeah. If that went to a court law, because insurance companies are my rules. No. No. There's there's a high one. High one's $6.50. Low one's $4.50. We'll pay you the $6.50. So even though I'm insured for a million, they could argue that I'm not. If you know That's what like I mean.","start_word":1161,"end_word":1519,"sentiment":"neutral","sentiment_score":-0.04435365649152931},{"text":"no. That sounds Definitely ridiculous.","start_word":1520,"end_word":1524,"sentiment":"negative","sentiment_score":-0.4715738296508789},{"text":"not. You are definitely yeah. You're definitely insured for the million. And, But like, but I but we I we know deal insurance with claims company's life. that If that went to court of law, I passed away and it went to court of law. They're gonna go, no. No. Look. The high $1.06 50. Yeah. This other policy, well, no. That's that's not I I don't know how it works. You can't get paid on two policies even though it's one policy. You know what I'm saying? Like, You it definitely went to a can. court of law. Yeah. No. Yeah. Under But a court of law, like, you as the consumer would definitely win. A, we've got paperwork for the increase yes. and them approving us increasing the policy. It's just how they structure it because from a back end perspective, they wanna segment the two different dates of the policy, like, the the amount were like, at the inception Yep. of the amount Well, because because your one's more 6 expensive 50 than the other. started no. Because one It's more not that it's expensive more than the expensive. other. It's just no. Because what they do I is I from thought a lump I thought sum they perspective, just cancel it actually one policy. gets added together. So I thought they just cancel one policy and go this is a new policy and roll it over to the new policy. Because I I just got confused looking at going, what the hell is that? So if I increase again, I'm gonna have a third line. So I increase again to one and a half, Third and I'm gonna have a third line, and I'm gonna have the it's all the one policy.","start_word":1525,"end_word":1820,"sentiment":"neutral","sentiment_score":-0.10324989145974048},{"text":"You know, it just gets too confusing for me, Never mind someone who's grieving that has to deal with, you know, that as well.","start_word":1821,"end_word":1844,"sentiment":"negative","sentiment_score":-0.3791030049324035},{"text":"line. Anyway, that's that's the way it is.","start_word":1845,"end_word":1852,"sentiment":"neutral","sentiment_score":-0.11821498721837996},{"text":"That'd be some legal advice on it because I just don't I know what insurance companies are like because they don't like paying out at all. They're mongrels.","start_word":1853,"end_word":1880,"sentiment":"negative","sentiment_score":-0.3798778653144837},{"text":"Yeah. Oh, It'd be better they can off canceling be, but policy. And so I'm I'm thinking it'd be better off trying to you guys cancel Zurich, go with someone else, and then I've got the one policy. I know what it's all about. And it's simplified yeah. and it's I good. could yeah. You know I what can I mean? definitely Keep do that. I can quote it simple. up to see whether there's any, yeah, I can quote up to see whether there's any, like, new policy structures on the market to see whether it could we could reduce the cost, stuff like that as well. Well, that probably might be the go because they're having to I I just don't trust Yeah. them. Like, I've dealt with insurance companies Yeah. with house claims and everything, and they go maintenance.","start_word":1881,"end_word":2022,"sentiment":"neutral","sentiment_score":-0.04849497601389885},{"text":"They don't like paying out, and I don't trust them.","start_word":2023,"end_word":2032,"sentiment":"negative","sentiment_score":-0.6795855760574341},{"text":"And I spoke to people Yeah. where No. I know That's you say, yeah, we'd hold up with the consumer, but they're still challenged in the court of law. So they were to one policy, but two separate lines. You know how they work, legal jargon. There's always a gray area. One word could change that whole policy. One word could say no. One word could mean we pay out the high amount. Because that's what they look for. It's just it's just crazy. But if we Yeah. could Yeah. simplify Absolutely. it, so I want the 1.1 Yeah. one cover with one policy, then there's no grade. There's no look at wording. It's just one thing. Because they're Yes. still saying to me, if I increase again and again, I'd have another line and another line and another line, and I have to add them all Yep. together to say that it's policy payer. Yes. That's that's just wow. That's I just know. crazy.","start_word":2033,"end_word":2197,"sentiment":"neutral","sentiment_score":-0.1046755313873291},{"text":"They're they're I painful swear.","start_word":2198,"end_word":2202,"sentiment":"negative","sentiment_score":-0.33817049860954285},{"text":"the way they structure them. Like, from a back end like, I I agree with you. From a back end perspective, they should they should just have it segmented. And then for you as the customer, they should be combining them all to say, hey. This is what your actual payout about is. Yeah. Because yeah. It's just it's because it's anyway, that's the way it is. I just it's just it's a trust issue. I just don't trust insurance companies in my dealings with them in the No. past. I'm absolutely happy to requote it. It's not something I can do on the phone with you today, but I can definitely, No. No. That like, is quote fine. it, have a look, and we can schedule another time. That's fine. What what are the makeup But on? can I I just ask? don't get it. It's actually the way they structure it. I mean, obviously, you guys have done your homework, Yeah. but I just that's why I'm getting, you know, oh, my car is very 60. I hang on. I've got insurance 60 with this guy, and I was 40 with this guy and 30 with this guy. You wouldn't do it for a car. You wouldn't have two different policies through the same company to value your car. You know what I mean? Yeah. And and Yeah. my When house you con my when house you contact went up. same They don't they don't thing. give me another policy for my house. They just increase the premium. They don't give me a set policy saying it has now valued 1.4 and then and give me another line on my premium. That's what you insured for. They just increased my premium, and that's where I'll get paid out. It's just it's the first time I've come across this life insurance. It's just crazy. Probably do wanna talk to him. So I want to have a look at income protection too, but I think last time it's something like $9,000 for income protection for me when I got a Okay. quote. I can how so what what I can do is I can I can go through and quote, and I can quote a few different options today? And I can email them through you today, and you can obviously have a look over the Yes. weekend. And you can email me back with like, after I call you up Income Protection and have a look at a few different options on that front, what it might look like for you, and and how that would work price wise. And And with that we income can go from check, there, I and mean, I can I look have at other insurance. with that income protection, if I do decide to go ahead with it and you give me that policy, is that where the tax component taken out? No. You get so much back from the tax man if you got income protection. I think it's 50% that you get back. Of course, Yep. it's true. So there's Yeah. there's a couple there's a couple of ways.","start_word":2203,"end_word":2730,"sentiment":"neutral","sentiment_score":0.00568420396567407},{"text":"So with with premiums paid by your super fund, they are 15% cheaper than what they would be if you paid them out of pocket. With income protection, if you pay for it out of pocket, it does become tax tax deductible.","start_word":2731,"end_word":2772,"sentiment":"positive","sentiment_score":0.41140568256378174},{"text":"Yep. But if you pay for it from your super fund, So yeah. that You only takes could 15 yeah. You to don't 10 get to to 40 five or whatever if you pay for yourself.","start_word":2773,"end_word":2808,"sentiment":"neutral","sentiment_score":0.06424253433942795},{"text":"It's a hell of a tire yeah.","start_word":2809,"end_word":2815,"sentiment":"negative","sentiment_score":-0.363750159740448},{"text":"if you pay So, for basically, yourself. yeah, this yeah. The it's it's it ends up being cheaper if you pay for it yourself than Yep. if you pay for it through your super like, the income protection specifically because of the tax deduction, but you have to be able to obviously front the premium throughout the year to then at tax time deduct Yeah. Right. Anyway, it's probably probably probably some of this one worth looking at then. I might just look at myself and talk to a few friends it. who have it rather than go through super because it doesn't sound as beneficial going through super. You gotta get 15% decrease in Yes. the policy, I can and then it doesn't and then and then I lose more earnings on my super because I'm paying an insurance premium from it. You know what I mean? Then my earnings my yeah. super I go can down. I'm taking more out. I can I can quote up to have a premium paid personally by you? So If you I could. can structure Yep. the premium to be yeah. I can I can structure an the income protection only? So I can write Alright. a life and total disability policy to come from your super, and Okay. the in income protection can be paid personally by you, and it can be paid yearly, monthly, Okay. If you could do that so if I can look at that, you know, installments. income protection. And then if you can have a look around life insurance, see if they've got some sort of simplified structure or there's anyone out there that's cheaper or more Yeah. beneficial or whatever, Yeah. Definitely. Wouldn't Did mind you looking wanna at look it. at the same amount you currently account for? Because Yes. currently, Yeah. you've That got the covers one it. $1.00 $2.05. Okay. Yep. Yeah.","start_word":2816,"end_word":3135,"sentiment":"neutral","sentiment_score":0.036223890446126464},{"text":"That that Cool.","start_word":3136,"end_word":3138,"sentiment":"positive","sentiment_score":0.5382424592971802},{"text":"covers So I'll the quote house. the It same gives amount. my kids I miss a good money. So that's what I need. Yes.","start_word":3139,"end_word":3162,"sentiment":"neutral","sentiment_score":0.2057032585144043},{"text":"Alright. Perfect.","start_word":3163,"end_word":3164,"sentiment":"positive","sentiment_score":0.5107454657554626},{"text":"No.","start_word":3165,"end_word":3165,"sentiment":"neutral","sentiment_score":0.2978273034095764},{"text":"I can definitely do that, and I can email that through to you.","start_word":3166,"end_word":3178,"sentiment":"positive","sentiment_score":0.4453309178352356},{"text":"If you don't mind, are you okay if I sort of just run through to make sure that my records are up to date with regards to your income and stuff like that for when Yep. I'm quoting the income Yep. protection? Once I get things to load. And my man got back from the gym. I'm just gonna get my week fixed. No. You're so fine. I literally walked into the office, had had my oats and yogurt myself, and then I was just straight on the phone to you. I did the same thing this morning. Went went for went for a run, and and it was a little bit longer than it was supposed to be. Oh, absolutely. But I oh, it's it it was freezing, but I I've added a couple extra k's than what I was supposed to send. So I was running a little bit late for myself this morning. So yeah. It's it's a it's a little bit chillier for you than it is for me. Alright. I got you all Perfect. So then. I've I've got you I've got you on a 150,000. Is that still I'm a correct? 180. 180? Cool. Yeah. And My what are what are, like, your your duties, and what are we what are we doing work wise? I'm the I'm the Grand Palma. Cool. And we're That's still a 100% on the tools. right. Sorry. I should have probably elaborated more on No. what I No. meant. I'm not. I'm I'm not on the tools now. I'm a statutory official. I'm a deputy. I'm on the health Okay. and safety. So health and safety. So what do what do our what does our, I guess, day to day while we're on-site look like? Alright. Supervisor monitor the men under my control of my district underground. I like to make sure I follow procedures and do everything right and safely and etcetera, etcetera. It's just statutory roles, Yep. legislator, but also, basically, health and safety as well. Okay. Stop them. They're doing Perfect. it. I'll make sure they're not being silly. Yeah. Pretty much.","start_word":3179,"end_word":3535,"sentiment":"neutral","sentiment_score":0.005285552168051068},{"text":"Wish Amazing. they are anyway.","start_word":3536,"end_word":3540,"sentiment":"positive","sentiment_score":0.431998610496521},{"text":"Oh, always. Boys are the boys. And I grew up in that around mechanics and butchers, so I completely understand what that that looks like. Very, very similar to mine as. Now with regards to the debt, do you know what the mortgage is sitting at now? 800. Perfect. And do you know what the house value is? One point excuse me. 1.4. And do we well, I mean, we previously had a little bit of a car loan. Have is that still current? Yep. With car loan for, you know, I think it's about 30,000 now. Perfect. And then current savings that you hold? No. I just bought a ring, so I've only got about $5. So I Yeah. That'll eat into it a little bit, won't it? mhmm. Mhmm. Quite a bit. Perfect. She she wasn't that. I tend to think we are worth no. No. That's that's beautiful. So have we put the ring on the finger, Yep. or Yes. She got it. is She got it it already. still a she's got it.","start_word":3541,"end_word":3717,"sentiment":"neutral","sentiment_score":-0.010090582072734833},{"text":"Amazing. Well, congratulations. Thank you.","start_word":3718,"end_word":3722,"sentiment":"positive","sentiment_score":0.4731700122356415},{"text":"Do you wanna look at updating your Next of Kin details then and list her? Yeah. I do. Because I'm showing my children on the moment. I've gotta throw it on, so it goes three ways. So you just give me that paperwork. Yeah. That's it. She gets she gets a house. No. Doing paperwork, so I might we might stay the same because it might mean she gets a house and kids get the life insurance. We're gonna discuss it at the moment, like, because I discuss what she wants to do with her place and her kids. But I think at this stage, I was thinking yeah. No. I'm going for her. I'll just give her a little bit at least something. Plus the house. Yep. Yeah. Absolutely. No. That's that's absolutely okay. Alright. We can do that. And currently, if anything were to happen, I have Xavier listed as, like, an emergency contact. Do you wanna leave it with Grace? Yeah. Oh, it's Fabian, my son. Well, he still need to be contacted. Yep. He's my son. Yep. And me is my daughter. So they're my two on there at the moment, I believe. Me is Yes. my daughter. She's on there. And and if I throw I mean, I could just take it off for something we have, not that will, but, like, I always gotta think the worst. I wanna get the best. Yeah. Now I can just I can throw Danny on as emergency contact too, can't I? Danny Yeah. Ella Cacrosse Absolutely. is my partner. She's my fiancee, Yes. Absolutely. man. So Daniella? Daniela Krogski, k r k o b s k I. Perfect. Alright. Well, what I can do is I can list her. I just need a mobile number for Yep. her. 0403855815. Someone that actually knows their partner's number.","start_word":3723,"end_word":4031,"sentiment":"neutral","sentiment_score":0.029238547309991997},{"text":"That's amazing.","start_word":4032,"end_word":4033,"sentiment":"positive","sentiment_score":0.5474807024002075},{"text":"You should pick up the numbers. Yeah. I've I lost my phone. I'm still not in four months. Right? I've I've been married for a decade, and I don't think my husband knows my number. Well, it should. I Or if know. you lose the My phone, children like, yeah. no. Honey, I'm coming home. Yeah. I know. There's a It's lot of criminal. people don't. They go, hang on. Do you ask them? They go, I can't even remember their own number. No. Yeah. I know.","start_word":4034,"end_word":4120,"sentiment":"neutral","sentiment_score":-0.1414496749639511},{"text":"It's so bad.","start_word":4121,"end_word":4123,"sentiment":"negative","sentiment_score":-0.5929059982299805},{"text":"What's your phone number? Just Now give four me your inch phone. Here. yeah. Just just give me a second. I'll text you. Yeah. Or is that or do you know what do you mean? Yeah. You gotta do it for that phone. And yeah. I know. I'm old school. Oh, I know. It yeah. That's my head in. Anyway, for insurance purposes, I just wanna confirm, has any of your health changed since 2024? No? Cool. No. No. I'm actually Just so I've I been can even take more that satisfied.","start_word":4124,"end_word":4215,"sentiment":"neutral","sentiment_score":-0.024845890700817108},{"text":"Oh, fantastic.","start_word":4216,"end_word":4217,"sentiment":"positive","sentiment_score":0.5308533906936646},{"text":"Yeah. I had to add vodka now. Now I'm looking hot. I gotta be I gotta fit into my, you know, suit. Yes.","start_word":4218,"end_word":4240,"sentiment":"neutral","sentiment_score":0.16501332819461825},{"text":"Good luck. Dashing Gotta for look the wedding. good for her.","start_word":4241,"end_word":4251,"sentiment":"positive","sentiment_score":0.47574371099472046},{"text":"Yeah. I look like, la la.","start_word":4252,"end_word":4257,"sentiment":"neutral","sentiment_score":0.2259814441204071},{"text":"She's a lucky girl.","start_word":4258,"end_word":4261,"sentiment":"positive","sentiment_score":0.3848856687545776},{"text":"Even though most people know that I'm lucky. Right? Always. We always say we're the lucky girl, but secretly That's all the way around. It's it's men that get lucky. absolutely. Now in terms of, I guess, goals that you're working towards, what I guess, apart from the wedding, personally, is there anything else that you have, I guess, a site set on or things that you are working on? Yeah. I'm trying to get an investment property. So I'm back in the back of my feet now. Hi. Perfect. Probably use the equity and do that soon. Just gotta decide what to do. My goal is to have at least a million dollars instead, which isn't looking too good. I think I'm only at $2.52 53.","start_word":4262,"end_word":4388,"sentiment":"neutral","sentiment_score":0.029725264757871628},{"text":"It's not looking good.","start_word":4389,"end_word":4392,"sentiment":"negative","sentiment_score":-0.4110676348209381},{"text":"A million bucks by the time I retire. Ten years, we're gonna go nowhere close. Unless I have a couple of good And years. I was just and what are we look are we looking at ten years? Yeah. Six I'll be 60 working five till I retire or 60 seven sixty seven. That's my retirement age. okay. So I'll be going all the way, I'd say. Okay. So 67 retirement. That's absolutely fine. So I I guess I wanna I wanna be clear just just to make sure that it is is there. You can technically retire at 60 because your superannuation becomes accessible, but, obviously, Yeah. you need to fund it. 60 Not seven yet. is when Centrelink becomes available. Yeah. Yeah. 60 is my super retirement. Yeah. I'm nowhere near fun to go. Yeah. 50, dude, does any bug or what might be like? You might get $10 You wanted each. previously, you want to make sure that you had, like, a bit of an egg a nest egg for the kids. At least a million. Is that's still the case.","start_word":4393,"end_word":4576,"sentiment":"neutral","sentiment_score":-0.028567015942510057},{"text":"Cool.","start_word":4577,"end_word":4577,"sentiment":"positive","sentiment_score":0.36936891078948975},{"text":"Alright. So we wanna work on a million dollars with your fund. So what I'll do Yep. is while I'm looking at the insurance, I'll also have a look at, I guess, your superannuation fund as well to see whether maybe we take on a little bit more risk within the fund to I'm already high risk. I've already gone high risk. Everything should be high risk through Hub twenty four. I'm not there, and I don't I don't get balanced or anything. Everything should be high. I went to India last year from China, which yep.","start_word":4578,"end_word":4674,"sentiment":"neutral","sentiment_score":0.014922520145773888},{"text":"was a good move because they grew at a high rate.","start_word":4675,"end_word":4685,"sentiment":"positive","sentiment_score":0.4457407891750336},{"text":"And the rest of shares, technology, health, Yep. and all the usual Yep. things. The VTF, Yep. the T So I pay attention.","start_word":4686,"end_word":4708,"sentiment":"neutral","sentiment_score":0.12613342702388763},{"text":"I love it. So it's Absolutely. actually been a reasonable year this year. Probably one of the best Yeah.","start_word":4709,"end_word":4727,"sentiment":"positive","sentiment_score":0.49988892674446106},{"text":"of that in the world. I thought He I hasn't thought been it'd be through bad. that. I thought it'd be a bad year with everything that's been going on, but it's actually been a bit better than I thought. Thanks, India. Well, do you wanna look at maybe because while high growth is obviously it is aggressive, Yep. we could take I have it to a keep step that. further, Yep. and we could add a small portion of gearing into the fund. How's the giving work? So gearing or leverage leverage investment is basically where you borrow to invest. Now there's two ways to do that, and I wanna before the mind starts ticking. Obviously, you can do that personally where you borrow money and then use that borrowed money to invest, or there Yeah. I are have I have been thinking investment about that. alright. Have been thinking about it, but it's high risk. But then all you can do It is through the Palm County. yes. Yes. You can. So, like, you can do sort of, like, what's called debt recycling. So you can take money out of your property. So, like, equity out of your property and use that to invest. And, you know, it can become a tax deductible and so on and so forth. But what you can all do is inside an investment specific investment options is the actual investment manager will go and borrow money on your behalf to then leverage and invest. They'll have your cash as basically the the the asset that it's it's leveraged against, and they basically and it could be it can be geared between a 120 to a 180%.","start_word":4728,"end_word":5011,"sentiment":"neutral","sentiment_score":0.11247287108234956},{"text":"The risks are obviously because you're putting your money in, if they lose and they lose big, you can walk away with zero.","start_word":5012,"end_word":5034,"sentiment":"negative","sentiment_score":-0.37561970949172974},{"text":"But the other option that it's much higher returns when it returns because you've got the leverage in there. They borrowed money for you.","start_word":5035,"end_word":5058,"sentiment":"positive","sentiment_score":0.3394223749637604},{"text":"But you don't obviously have, you know, as a as a a benefit is you don't you haven't physically taken the loan out, so you're not going to end up with, like, negative you just basically walk away with zero and not, you know, a loan amount. So I don't take loan out, but this comes out through my super against my property against my house or against oh, that's through you guys. Right? That's the you you do it for me. I'll do Yeah. the So invest. so there's two options. There is where you borrow money Yep. against your property, and that is basically called recycling or or leveraged investments because you leverage it against your property. There's the other one where there are specific geared assets, and they internally gear. So you basically you give, say, a $100 to the asset, to the stock, or the the the security, the ETF, whatever you wanna sort of call it. Same Yep. thing. And what that asset does is they go to an a lender. They borrow money. So let's just say it's geared to a 150%. So on a $100, they'll end up getting $50. And then Yep. they invest that 150, the 100 UKs, and the fifty day borrowed. They invest that into the into the market, and it does its thing, and you get your return. The downside Yep.","start_word":5059,"end_word":5291,"sentiment":"neutral","sentiment_score":0.11258724389413909},{"text":"is is when it goes down, you've got a $150 in there, and you still have a loan that you have to repay. But because it's internally within the fund, if it loses and you say have a a negative return and you still have to repay the $50, your, like, poll is not having to pay that $50 out of his personal cash because it's all quarantined within that month.","start_word":5292,"end_word":5362,"sentiment":"negative","sentiment_score":-0.4464460909366608},{"text":"Right. Okay. Let's see. So that's all in the funds and then and then the negative ones, I can claim my income tax as well. And then the growth becomes income tax on that. Not not through your super fund. It's all quarantined in your super fund. If you wanna Alright. go with option one where you take money out against your house personally and Yeah. you still have to service that loan personally, Yep. and then Yep. we invest, the risk is is that if the investment does have a negative year Yep.","start_word":5363,"end_word":5456,"sentiment":"neutral","sentiment_score":-0.15835639834403992},{"text":"here, you still have to service that loan taken against your house. And that's where the biggest risk with with it's called debt recycling.","start_word":5457,"end_word":5480,"sentiment":"negative","sentiment_score":-0.4569052159786224},{"text":"That's Yep.","start_word":5481,"end_word":5482,"sentiment":"neutral","sentiment_score":-0.3132079839706421},{"text":"where that biggest risk comes from. When you physically take out a personal loan against your personal name or against the personal asset, So that I'll do that that. that's I'll the just bigger risk for that side.","start_word":5483,"end_word":5520,"sentiment":"negative","sentiment_score":-0.4169341027736664},{"text":"that's me doing it personally, But still in my Yep. super fund.","start_word":5521,"end_word":5532,"sentiment":"neutral","sentiment_score":-0.23263899981975555},{"text":"But it's against my house and do my super fund.","start_word":5533,"end_word":5542,"sentiment":"negative","sentiment_score":-0.380716472864151},{"text":"Is that alright? It wouldn't be, I guess, Yep. it wouldn't be into your super fund. It would be into a personally owned investment account. Yep. Right. Yep. You wouldn't put it into your super fund, but, like, I I can structure I can help you structure a debt recycling.","start_word":5543,"end_word":5592,"sentiment":"neutral","sentiment_score":0.059217586517333984},{"text":"I can help you structure an investment account. I can help you, you know, set up investments within that account. I I can give you debt recycling advice. That's exactly what that is, where Yep. you take so I can help you with that that strategy and show you what it looks like.","start_word":5593,"end_word":5645,"sentiment":"positive","sentiment_score":0.4413048326969147},{"text":"It does take a little bit of time for me to draw Yep. up.","start_word":5646,"end_word":5659,"sentiment":"neutral","sentiment_score":-0.03532731905579567},{"text":"Doing wrong.","start_word":5660,"end_word":5661,"sentiment":"negative","sentiment_score":-0.4598685801029206},{"text":"It's not something I can You turn know around what? in a day. I do like where you're coming from because I've been thinking about this. I've been thinking about going to the bank and getting a loan as well because I can claim the interest on my income tax loan. So there's more on my way to do the cat. You know? But That's the that's thing the better.","start_word":5662,"end_word":5731,"sentiment":"neutral","sentiment_score":-0.04278149828314781},{"text":"You you do get the the interest becomes a the thing I'm struggling with at the moment is that I've got one more year of child support. So I've sort of I think I'm gonna wait till my child support's gone deduction.","start_word":5732,"end_word":5773,"sentiment":"negative","sentiment_score":-0.4261500537395478},{"text":"because Yes. it just Fair.","start_word":5774,"end_word":5778,"sentiment":"neutral","sentiment_score":-0.26881542801856995},{"text":"makes it that much harder. Every time I try and get loans and everything, I got out of my missus on because they just go child support bang.","start_word":5779,"end_word":5806,"sentiment":"negative","sentiment_score":-0.5243895649909973},{"text":"Yes. And that stuff's my loan my ability and what I can loan goes Yeah. You do everything. Yeah. from Absolutely.","start_word":5807,"end_word":5827,"sentiment":"neutral","sentiment_score":-0.08150150626897812},{"text":"the 10 shit house. Even though I'm on a good income and I've got this and I've got that, they look at that child support and go bang, and they just slaughter me.","start_word":5828,"end_word":5860,"sentiment":"negative","sentiment_score":-0.4930740296840668},{"text":"Yeah.","start_word":5861,"end_word":5861,"sentiment":"neutral","sentiment_score":-0.3273746967315674},{"text":"Exploring.","start_word":5862,"end_word":5862,"sentiment":"negative","sentiment_score":-0.3597968518733978},{"text":"And so Yeah. when so it's it's Mia that's still under She 18? yeah. So she's got another year probably, and she hasn't been to school, so a year and six months. So because Okay. I know like, I went to the bank. They gave me preapproved for 1.4, and then they I went to the bank with that, and I can only get 600,000. And as soon as I put my missus on, I was just because the child support went back up to 1.8. I was just like, you're kidding. Yeah.","start_word":5863,"end_word":5955,"sentiment":"neutral","sentiment_score":-0.11091740365310382},{"text":"They're just crazy.","start_word":5956,"end_word":5958,"sentiment":"negative","sentiment_score":-0.4257892966270447},{"text":"Yeah. I see where they're coming from, but I'm just like, hang on. Yeah. Because Any that it's that serviceability. but that's what I wanna look at down the track because otherwise, I'm gonna be retiring. I think I'll be on Okay. the street. Alright. Well, it's something you can definitely sell back to in, say, six months. Yeah. Oh, But so what see, what's the 12 other one? 12 That's to fine. eighteen If months. I do against my house. But option two Yep. what was the option two? Option two was So option two is basically an internally geared asset that I can put into your super fund. So it increases the risk. Because currently, you are a high growth, which means that basically 90% like, 90 to 95 of your of your funds are invested on the market and the investments for growth oriented funds. Yep. What would happen here is it would increase to basically over a 100% because you have, like, you the asset itself that I would recommend, whatever that is when I research, would borrow money and would gear. So you you would instead of having 95% invested having 100 or a 100 and 10%. But what that way does that come yeah. off? Please use the equity for that loan, my house again or my super fund. No. It it's it's cash. It's cash it's cash equity. So because you basically, let's just say we put $10 into that specific asset. So you know how you have all the different assets in your Yep. super fund. Each of them have a percentage that you're invested in. What we would do is we take some of the some of the money that's sitting in some of those assets. We could pull it out, pop it into what this new, like, geared asset or couple of these Yep. different geared assets, have a look. And what would happen is you have a cash asset that goes away to that provider, and that provider would then borrow money and go from there. Obviously, it's not a 100% of borrowing 50. It's more like Yeah. a 100,000,000 and they're borrowing 50,000,000 because your money is the only money in that pool. But that's sort of the mechanics of it. Yep. Right. And then the option three was not there's one and three. There was an option Nope. 3, One wasn't and there? 2. 12. No. It's basically it's basically option. It's one and two. So you can do it personally. Personally, it can either be leveraged against you as an Yeah. individual, your income, or you can do it against your house.","start_word":5959,"end_word":6404,"sentiment":"neutral","sentiment_score":0.018525283833790252},{"text":"I don't recommend you No.","start_word":6405,"end_word":6409,"sentiment":"negative","sentiment_score":-0.3428136706352234},{"text":"do it against you as an as an individual, purely and simply because the interest rate becomes a higher when you don't secure it against asset, whereas with an asset, you can secure it for your your your home repaying percentage, Yep. That's right. I or you basically do it with an internally geared asset. I I mentioned the second one because I've gotta do something and it's probably with what's been going on in the world lately, I know the markets are still good, but they've dropped a bit. So it's probably a good time to buy into something good Yeah. that will recover after all these walls settle down. Well, I can what I'll do is I'll insurance research will be sent out through you today. Yep. It's afternoon because I have a few hours around lunchtime, and I should be able to knock it out. K. And then what I'll do is I'll send you a few a little bit more information on, like, internally geared assets. So that way, you can have a chat with the fiance. And and, Okay. You say yeah, it. you could just book an email to me. Okay. That sounds probably good then. But as regards Yeah. to fund go through everything in the fund, I've already read through it all. So I Yeah. know I'd I'm still India still got better growth in China, so I'll still stay there. Unless you advise otherwise, but I don't know. I think it was pretty good advice I took last year going from China to India. Yeah. China is still struggling. India seems to be on the up. Oh, Definitely. China's got China's got China's got is struggling, but Yeah. They're they're going okay. They just don't have strong growth. yeah. India has just got stronger growth. Yeah. I think I think they wound up doing the GDP was substantially higher compared to China. So yeah. Anyway and the rest is just the usual stuff. I think you see it through Hub 24, which is fine. So that's Yep.","start_word":6410,"end_word":6755,"sentiment":"neutral","sentiment_score":0.06357079905840014},{"text":"all good.","start_word":6756,"end_word":6757,"sentiment":"positive","sentiment_score":0.4117872714996338},{"text":"Nothing besides that. You're happy with the way my funds invested then? Yeah.","start_word":6758,"end_word":6770,"sentiment":"neutral","sentiment_score":0.2569141387939453},{"text":"I am happy with where where they're invested.","start_word":6771,"end_word":6778,"sentiment":"positive","sentiment_score":0.3360278904438019},{"text":"I have no no, I guess, great concerns. But we could definitely look at gearing, and I can I'll send you through some information. You can have us sort of think about it, and then I can if you wanna go ahead, I can draw up Oh, some, like, different portfolio options and and obviously do my research on the back end and then send you through recommendations from there and pull yeah. through. Alright.","start_word":6779,"end_word":6853,"sentiment":"neutral","sentiment_score":0.06674149632453918},{"text":"That sounds good. Sounds like a good job.","start_word":6854,"end_word":6861,"sentiment":"positive","sentiment_score":0.4433117806911469},{"text":"Alright.","start_word":6862,"end_word":6862,"sentiment":"neutral","sentiment_score":0.23008382320404053},{"text":"Wonderful. Wonderful.","start_word":6863,"end_word":6864,"sentiment":"positive","sentiment_score":0.4049150049686432},{"text":"That's I think, yep, some policy is good. Just need to look at options, simplify it, gearing, and protection. Sounds perfect. Sorry. What's your Yes. name? Larissa. Larissa. Larissa. No problem. Sorry. Thank you, Larissa.","start_word":6865,"end_word":6899,"sentiment":"neutral","sentiment_score":0.1716165691614151},{"text":"Much appreciated.","start_word":6900,"end_word":6901,"sentiment":"positive","sentiment_score":0.35536903142929077},{"text":"Is there anything No. else Absolutely. we need My pleasure. No. Well, I'll I'll send you an email with, like, a a bit of a, like, an annual review pack. That way, you have extra no. information. But I'll Oh, just include I'll just include that with like, I'll send it at the same time that I send all the information. and the the beneficiaries update too. Yes. Send it through the beneficiary form already written into my notes. So I'll send that through. Are you happy if I email that to you, Yep. or would you Absolutely. prefer it posted? No. Email? No. Email. Cool.","start_word":6902,"end_word":7007,"sentiment":"neutral","sentiment_score":0.07683074853892596},{"text":"Email Perfect. is good.","start_word":7008,"end_word":7011,"sentiment":"positive","sentiment_score":0.5026783347129822},{"text":"I'll I'll send that through. I'll send through both of them. I'll send through to Zurich, and I'll send through the help one. That way, you have both of them. Obviously, if we move away from Zurich, it'll have Yep. to be a new new one, Yep. Oh, that's fine. but I'll send them through today anyway.","start_word":7012,"end_word":7068,"sentiment":"neutral","sentiment_score":0.09826403856277466},{"text":"Alright. Thank you. Much appreciated, Larissa. You have a good day. Yeah. You too. Thanks, Thank you. Paul. Bye.","start_word":7069,"end_word":7087,"sentiment":"positive","sentiment_score":0.6073802709579468}],"average":{"sentiment":"neutral","sentiment_score":-0.014353819400033772}}}}