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Yeah. Perfect. If you cut that, though, or anything, just just let me know. Yeah. Perfect. How's your day been? Just finished work? Or so jealous. How was it? Yeah. Did you have good weather? Oh, yeah. Beautiful. Well, I will try not to give you too long. I'm sure you're a bit jealous and have things to do today. So I will try not to give you for too long. But before I do kind of jump into the annual review, I do like to start by asking if there is any specific areas you would like me to touch on today or any particular questions or just a bit of a catch up and see kind of what's happened in the last twelve months. Mhmm. Yep. Yes. Okay. It's all yeah. Okay. Perfect. So what I might do then is kind of go through a bit of that fact find with you now, and they kind of update some of your information, and then we can kind of see if we need to make any tweaking changes to your advice based based on that. So you bought a property, which is great, because I know last time we spoke, that was kind of something you were looking at doing. So congratulations on the house. Where how much is that one paid at? Do you know? Mhmm. About $2.80. And mortgage attached to it? Mhmm. One ninety five. Perfect. While we are talking about assets, I'll just reconfirm the other stuff I have. Your motor vehicle, right, out of us 38,000? Yep. Perfect. And you don't have anything owing on that one? No. And with your property as well, is the address which address is correct for you? Yes. And you is that the Tasmania property? Yes. Yes. Oh, that's perfectly fine. As long as you are happy with that, then we can leave that. No. That's all good. We can leave that. But your the property that you bought, is that over in WA or where is that? 0, yeah. Perfect. Yep. Beautiful. And I also have a shared portfolio of about 4,000. Yep. Okay. Yep. Yeah. Perfect. No. That's good. That's fine. So are you happy for me to just kind of leave it at 4,000 for now until we know? Or yeah. Yeah. Yep. Perfect. Otherwise, do you have any other assets in the last twelve months or mainly just the property? Just the property. Yep. Perfect. And do you have any other liabilities, like personal loans or credit card or ZipPay? Yep. So more just using it for, like, points and stuff. Yep. Okay. No. That's fine. And employment wise. So you said that changed. What are you doing now? Yep. Yes. Oh, beautiful. Congratulations. Yep. Yep. Yep. And I am very glad we got your insurance assaulted before that change because with insurances, what happens is at the time of application, what we disclosed was correct, which is perfect because it was slightly less risky in that way. And that is perfectly fine. Now the only reason and we're not required to go to the insurance and say, hey. I've changed a more risky occupation. They aren't because it's already underwritten and tailored for you. The only reason I would go to the insurer is when clients move from a risky occupation to a non risky occupation. Because, obviously, if you are riskier, it's higher premiums and some restrictions potentially. So if, for example, you told me, oh, no. I'm no longer dealing with exposures whatsoever. I'm not even working in the mines. I'm just in the office. I would say, cool. I wanna go back to the insurance and see if I can get you better rates because it's safer. So that's your right. If when we have clients do the opposite, so for you, we wanna leave it because you have cover in place at the moment, which you are covered for. Now if your role change or becomes riskier, that's fine because you are still covered for your occupation. You're still covered at the time of underwriting. So I'm very glad we got that in place for you because if we tried today with, obviously, you work more with explosives, they they very much say, too risky. Sorry. I'm glad we had that in place for you. I'll still update our records, though, but in terms of updating occupation with insurance, we don't have to, which is great. Yes. Okay. So still with the same in company. What's the title called now? Do you know? Charge up. Charge up role. Perfect. Still working, like, full time, flying, fly out. Yep. Perfect. And that's still kind of underground as well? Yep. Yep. Perfect. And when did you change that? Okay. Perfect. And because you're with the same employer, did any of your employer benefit change? Because I know that you have some insurances through the employer. So you have, like, your your income protection and a little bit of life attached to it. Do you know if any of that changed, or is it just because you're still with the same employer that stays in place? Okay. Okay. Perfect. Yeah. Okay. Perfect. Well, that's good. And the new pay, what's that one roughly at? Oh, and that's a nice increase. Makes a bit of a difference, especially with the mortgage and stuff. Yeah. And no changes otherwise, yeah, in any benefits. Employer contribution stays the same at 12%, like, no changes there. No. Yeah. Perfect. Now I had here as well that you were saving about $1,500 a week at the last time we spoke. Is that still roughly the case, or are you saving a little bit more or less, obviously, with the property? Yep. Except of yeah. Is that mhmm. Yep. Yep. Okay. Perfect. That's good. That's really good. And is that just in, like, an offset or do you pay directly on the loan? Yeah. Yeah. Good. Perfect. No. That's that's good. Exactly. Especially nowadays with everything as well. Okay. Perfect. Otherwise, personal details. I have you down here as single with no financial dependence. That's still okay? Yep. And I don't have a next obtained on file for you. So in the event that we can't contact you, who is someone you would like to nominate? And that can be anybody. Mhmm. Yes. Mhmm. How to do it? Correct. Yeah. For for this, but we'll also touch on that their beneficiary forms as well. But for this purpose, just next step, Ken, it's literally just someone we can contact if you go completely able and we can't get in touch with you just to make sure you're okay, essentially. Yep. Perfect. And his best his name. Sorry? Y n. And same last name as you? Yep. Perfect. And best contact number? Two eight. Yes. Two one. Yep. 011. Perfect. Now with beneficiary as well, that is different. So that is so for your super and your insurances. So in the event that something were to happen to you. Now with those nominations, would you like us to resend it to you? Do you have them still? Just a matter of completing them. Okay. Yep. Okay. Okay. That's okay. So that is a very good question because when it comes to superannuation, it's you have to follow the safe act, and it's quite strict on who you can actually nominate directly. So to nominate someone directly on that form, it has to be a valid nomination. Now the only people who are a valid nomination directly is either a spouse, a child, someone who is financially dependent on you, and you are in an interdependent relationship. But, basically, that that is someone who must remain financially dependent on you at the time of your passing. You need to have, like, a close personal relationship, live together, support each other. So often, I have a lot of clients who are like, well, if I don't have any kids or I don't have a partner or I wanna give it through my brother, my mom and dad, my nephew and nieces, how do I do that? So the way that you can do it is you would have to do it through a legal personal representative call. Basically, it's a fancy word for saying it reverts to your will. So the only little tricky part is that you would have to have a a will in place. And then in the will, you can stipulate whoever you want. So you can put your brother or your any family members or friends, and you can do different portions and and however you want to. If the valid nomination is in place, then because, basically, how it works is your super insurance does not form part of your estate. So if something were to happen that falls outside of the estate, so some people can have a different nomination for Subaru Insurance to how you want your estate distributed. But if you would like it as part of the estate is where we would then nominate a legal personal representative. So in terms of completing the forms for you, if you would like your brother or any other family members or friends or anything like that, it would be on the form. We would complete it as a 100% going through your legal personal representative, it's called, on the form. There's, like, a little tick box. Yes. And then you would just have to, yeah, have a will to do that. Yep. That's okay. Yeah. Yes. It's it's it's kind of a bit like it's always the safest to go through a lawyer. It is the most comprehensive and airtight option. A will kit option is still better than having nothing. As long as you read the instruction on the the will care and you complete it, then that's still a lot better option than not having anything. And a lot of the times, people don't wanna have to pay for a lawyer or if you estate is pretty simple, then having their post office is a lot better than having nothing there. Will it be as airtight as a lawyer? Usually not, but it's a lot better than having nothing. And I have so many people who who just on the will kit, and that's still fine. As long as you kind of read the instructions to fill it out correctly, that would be, like, the biggest kind of risk. It is pretty straightforward with how you do it. And we say as well that if you do decide to do the post office will kit, you can always send me a copy of it if you would like, and then we can keep it on file as well, especially if, you know, you are obviously traveling or moving and stuff. It sometimes can get lost. That way, we have it on file along with your beneficiary nomination and, obviously, everything else. So if something were to happen, we have everything in one place. Yeah. Does that answer those questions? Does that answer those questions for you, Emma? Yes. Yeah. Yes. Yes. Yes. Correct. Any chance of sending it, yeah, to us. With having the will in place on your sorry. With having your legal personal representative on the form as well, it does make it easy if your situation ever changed and you wanna update your will. You don't have to update these forms because it just does it goes to your will. And then in your will, you can stipulate how you want it, or you can even have, you know, first person this. If something were to happen and that person's no longer, then I want this. Like, it gives you a bit more flexibility with how to structure it, whereas, yeah, directly on the form, it's just choosing, you know, a couple of options, and it's quite limited in the box where you can fit it into. Yep. Alright. And like I said, if you do complete if if you do decide to do the post office, you're more than welcome to just email me a copy, and I can always, yeah, keep it keep it on file for you. Yeah. Yeah. And, also, let someone know where you have a copy, but, yeah, we can always keep a copy on file if we keep all your other financial records. So sometimes it is easier to keep it all together, and then that way, you know, just obviously let family stuff know that if something ever were to happen, give them our contact details, and then we have everything sorted. Yep. Perfect. Now let me see here. Any other changes otherwise for you? Health and lifestyle, any changes, or that's kind of all the same? No. Mhmm. Not really. Yeah. Beautiful. But no, like, significant health issues or injuries or surgeries or anything. That's beautiful. And I guess when it comes to goals for yourself, because you have now achieved what you were looking at in the next couple of years, which is to buy the property. And then I think you also, when we spoke last, had a a snowboard trip planned for Japan as well, I believe. Oh, how was it? I can imagine. And was that snowboarding for the first time? Yeah. Oh, nice. And did you go okay? It's harder than you think. Yeah. Oh, nice. So I guess, like, with the next twelve months or so, what would be your your main focus or your main goal? Obviously, settling in through the property and job and everything, but do you have any other kind of financial goals that you are working towards or just to kind of build up your savings? Yep. Yep. Yep. Yeah. No. Perfect. That's good. Now any other changes otherwise before I move on to the next thing, Emma? That's all good. Okay. Perfect. So the other thing is just to kind of quickly go through, it's another risk profile questionnaire, but it is a lot shorter than the one we did last time. Just to see if there is anything that's changed in terms of your risk allocation, how you feel about markets, or anything like that. Again, multiple choice to make it nice and easy, and you might recognize some of the questions. But if not, just let me know if it doesn't make sense. Now the the first question here is in regards to, how much risk you're willing to take for your superannuation. So, obviously, super is that long term. At the moment, you can't access it until you settle 60 if you stop working, but you do have plenty of time. But in terms of how much risk you're willing to take. So would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Yep. Okay. Perfect. And in terms of volatility, so it's a fluctuations. So we're obviously seeing quite a bit of fluctuations in the last twelve months. First, we had everything, obviously, over in The US with Trump and tariffs and everything, and more recently, the war as well. So the last twelve months have been a little bit more turbulent. We have seen a bit of that fluctuation, but a lot of that too was due to general trends in the market. So not like one particular investment. It's just what is happening in in the world, basically. So in that scenario, if you ever notice a portfolio going down by 20% due to the general trends in the market and the world. Would you, if you had the option to do so, think that, well, now is potentially a good time to invest a little bit more while the prices are down. Would you be a bit more neutral or just kind of hold and wait to see what happens? Or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped? Invest. Yeah. And would you say invest heavily or just kind of modestly? Yeah. Yeah. A little bit. Just just not everything. Okay. Perfect. And in in terms of fluctuations again, so if you obviously notice some some investment fluctuates and go down, how would that make you feel? Would you say optimistic about potential future opportunities? Again, a bit more neutral, not making further investments. Concerned or highly anxious? Optimistic. Yep. Perfect. And the last one here is, would you ever consider taking out a loan to borrow full stocks or funds? No. Would you ever consider taking out a loan to buy an investment property? Mhmm. Okay. Perfect. Now that tells me here, Emma, that you have come out as a high growth investor, which is the portfolio we currently have you invested in. Do you remember what it means to be a high growth investor at all? Yeah. Basically. So it's you're obviously trying to grow your super as much as possible while you do have plenty of time. Short term, there will be some some ups and downs and market fluctuations in order to try to achieve long term growth. And when it comes through the asset allocation, we do look about 90% in those growth assets. So, like, Australian shares, international shares, property, and commodities. And that is what's going to maximize those returns for you and about 10% in defensive. So, like, your cash, your gold, your fixed interest, limit fluctuations a little bit. Now are you still driving, or do you have access to your emails? Yeah. Okay. Perfect. If you would be able to jump into your email, I have just sent you some documents to go through. And one of them actually kind of fits into while we are talking about this just to kind of show you. Now we have changed the software recently as well, so it might look a little bit different to last time. But let me know if that email came through. Okay. Yep. So before you click on the link process sign now, can you see a couple of attachments at the bottom of that email? Yes. So if you can you see one where it says 2025 Vanguard index chart? Yep. If you can open that one for me. Yep. Perfect. Now this is kind of good while we are talking about your risk allocation and the portfolio. Have you ever seen something like this before? No. So it is a good visual representation of what we are typically talking about when we are talking about the market. And it's often good to see and Vanguard is really good. They update this on a yearly basis to kind of show the different trends. So this one here, you can see dates back to 1995, and then all the ups and downs and all the the world stuff that's happened until 2025. Yeah. So it is good. You can kind of see here, though, that long term market always goes up. Every single asset class goes up long term. Short term will be ups and downs and market fluctuations depending on what is happening in the world. So you can even see, you know, COVID. You can see that things took a pretty pretty big dip, but it comes back around pretty quickly. And often when you see statistically as well when we we have those people that, you know, are trying to time the market, we typically say that, you know, not trying to time the market, and what matters more is actually the time in the market. Because often what we see as well that the biggest drops, which you can kind of see here on the graph, are very closely followed by pretty quickly come back around. So if you then, while things are going down, get quite nervous and sell out, you often then kind of miss out on the potential growth as long as you have the time behind you. So this also comes good, and the time frame comes good as well. So the closer you get to retirement, obviously, the less time you have for those fluctuations. And that's when we want to start shifting some of the growth into defensive to kind of stabilize things a little bit for you. Because if you wanna access your money tomorrow, I don't want that to be a dip right then. But, basically, the the high growth portfolio, 90% is those top four. So you can see those graphs grow the most. So you can even see in 1995, The US shares was 10,000. Today, 214,330 2. So massive difference, but also during that time, it seems the biggest amount of fluctuation. And then, yeah, 10% in those defensive, which you can see hasn't grown near as much, but they're a lot more stable. Does that make sense? Yep. Yep. Now when we are looking at a time frame for a high growth portfolio, we like to ideally see about eight years until retirement to making sure you have enough time for those fluctuations. So from a time frame point of view, you you definitely have the eight years behind you as long as you are comfortable with the level of risk and stuff in a high growth portfolio. Is that something you're still comfortable with? Yep. Yep. Perfect. So if at any point in time anything does change, just let me know. It doesn't have to be at a review point. But, yeah, often clients in similar ages to yourself, we see in high growth, if not even more, you're aggressive as well because you have the time. But it also comes down to, obviously, your risk capacity and stuff like that. Because I also, at the same time, have some clients who are, you know, early twenties that's super, super conservative. And if something fluctuates, they get really worried. But on the flip side, I also have someone who is, like, 65, 70 that goes, no. I'm comfortable with that. So time does play a big role, but also how you feel and how you would react in certain situation also plays it. Yep. Perfect. Now while we are on the email, let me see here. Can you also see the next one where it says twelve month hub 24 portfolio performance report? Can you see that? Yep. Perfect. Yes. Yeah. Internal rate of return. So this one here might look a little bit messy. It sometimes does, but it does show you all your portfolio. It shows you what's happened in the last twelve months, and it shows you everything after fees. So on here, you can see all your individual investments and how they have performed. So kind of like we touched on the last twelve months, we have seen quite a bit of fluctuation. Despite that, though, your portfolio is still positive, which is good, because it has, yeah, been a bit volatile. So it is still up by about 3.93. Now, obviously, ideally, we would like to see it a bit higher, but it's not unexpected for what's happened in the market, especially during the, you know, periods of volatility and mixed performance across different sectors. What is more important is that the portfolio was designed to be diversified. So rather than relying on one particular market or, like, a theme, the diversification help reduce the overall volatility, but then also kind of protect capital during weaker periods in certain areas. So when we do look at the individual investment, we can see that the strongest contributors to your portfolio is your gold, which was up by about 25%, which was pretty crazy, which also obviously benefited from that kind of ongoing geopolitical uncertainty and also, like, the inflation concerns we've had. You can also see that the iShares S and P five hundred was a strong contributor as well, which was supported by the continued strength in the large US companies. But then also the global infrastructure and thematic exposures added a lot of that stability and diversification to your portfolio. So overall, the portfolio has still held up pretty well given what's happened in the market, But it is something we always wanna continue through to research because things are always changing, and we do a lot of research on the investments. And if we foresee one investment not being like a cyclical trend at the moment and there's something a bit more going on, we wanna look at potentially changing that. Now there is one of the investments in your portfolio that I would like to do that with if you are happy with that, and that is your Benelon Australian equity. So that one was was one of the contributor through in not growing as much. And the one of the reason is that it was added to your portfolio because it was one of the best performing fund managers, and they've done really well. More recently, they've been a little bit slower with making their investment choices. And then one of the investments that they actually had in their portfolio was the Corporate Travel Group. And I'm not sure if you read or heard anything about it, but that company had a bit of issues with their reporting, which actually put everything on pause. So because they couldn't trade, it then kind of reflected everything in the share prices. So the investment committee would do a lot of research on the investments because we wanna make sure that at all points in time, we have you in the best investments possible. And the good thing with hub twenty four is that there's hundreds of hundreds of different choices. And if we perceive one like Benelung that we don't think is potentially going to be the best one moving forward, we then wanna look at changing it. So we have done a lot of research and found one that is quite similar in terms of because if we're swapping out an Australian market, we also wanna introduce another Australian market because we wanna keep the diversification. We don't want everything globally, everything in The US. We wanna give you that diversification. So there is one that's called the the BetaShares Australia two hundred, which, again, does invest in the 200 largest companies in Australia. But instead of we've been along how they are kind of cheaper because it just tracks the 200 largest. So as a company grow and gets bigger, it gets added to the list, and if something gets smaller, it gets off the list. So it gets added to the list, and if something gets smaller, it gets off the list. So it's it's a bit cheaper because of it, which does reduce the fees, which is great, but it also kind of performed a lot better than Benelung recently. So if you are happy with that, what I can do is I can issue you something that's called a record of the device just to say that we are going ahead to make that investment change, just that one for you. You don't have to sign it or anything like that. It's just for your records to to say that that's what we've done if you are happy with that. Yep? Okay. Perfect. So I, yeah, perfect. Now I will get that emailed through you. It might not be until either tomorrow, potentially Monday. But just keep a look at for your emails, and we'll go ahead and and make that change for you. And that should see see things as well. Hopefully, things do come down a little bit in the world. You never know, though. And kind of looking at that graph with Vanguard, it's it's not unusual for things to happen. And long term is where we do see see that growth. So that's why it is important to kind of look beyond twelve month period because on that graph, again, during some of those twelve month period, it looked amazing, whereas other years, not so much. Yeah. Does that make sense? Do you have any questions? Yep. Okay. Perfect. Now back to the email as well, you should see one where it's called super and insurance summary. Can you see that? Yep. Perfect. You're gonna open that one for me. Perfect. Now this one here gives you a bit of a breakdown of your super balance and your insurances. So you have your super in Hub 24, and you do have about 72,562 in there, which is good. And you also have your one part insurance. So you have about a million dollars worth of life and TD. Now with your life and TPD, are you still happy with that level of cover if something were to happen? It obviously still will pay out the remaining mortgage or anything like that and still leave quite a bit extra. Are you still happy with that level of cover, or would you like to change anything? Yep. Perfect. And now you also do have that employer paid policy, which would be about last time we checked, it was about it was one year's worth of salary. So, obviously, if your salary has gone up, you probably get a little bit more now, which is good. And then also an income protection, and that was covering about 75% of your salary. And having a look at the contract last time, it does change with your salary. So if your salary did go up, then most likely, that will be about 75% of your salary as long as that still kind of stays the same for the employer. Now any questions about that? No. Perfect. Now back to the email, you will also see one where it says COC, so certificate of currency for one pass. Can you see that? Yep. Perfect. So if you're gonna open that one, it just breaks down your insurances in a little bit more detail there for you. Now you can also see the premium here. So it says the total yearly premium. So it's pretty cheap, which is good. So it's about $881 for both of those. So both a a $1,000,000 worth of life and the TPD for you. Yep. Now back to the email, you will have two more attachments. I will let you have a read over those in your own time. You have seen these before. It's one of those compliance documents. So just the financial services guide and the OQ services guide. There's no major changes to any of the information there. It's basically just we've had a bit of an update to marketing. So as you do go and have a look at it, you will see we have some new updated photos, which is nice. And we've also had a bit of an extension to the team, which is great as well. So I'll let you have a read over that in your own time. But, otherwise, the last thing is if you are happy to do so is if you then press where it says sign now or request signature, it should ask you to sign two documents. Now one of them is your ongoing service agreement, and that is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. So it stays exactly the same at that 1.65 from Sousa. No changes whatsoever in regards to it, and it is not a lock in contract. So if at any point in time you are not happy with the service or you were just not happy, no lock in contract, no extra fees, or anything like that. So this just lets us service your account and everything in the meantime and just to make sure that, obviously, yeah, you are happy with everything and that's something we'll then upload through Hub twenty four so we can keep making those investment changes and stuff for you. And then the last one where it should ask you to add a signature is where it says tax file number, I should say, which is just asking you to sign. It's just a compliance form to say that we are keeping your tax file number since you're unsafe on file. Yep. Perfect. So, yeah, basically, from here is if you wanna have a read through the documents, more than welcome to. When you have a moment, sorry. If you, yeah, have a read through any questions, let me know. Otherwise, we do need you to sign those documents. Once you have signed it, it should say validate, and they will then send it back to the team, or we can get that all processed for you. And in the meantime, I will draw up that record of advice for you to say that we are doing that investment change. You don't need to sign it. Like I said, it's just for your reference so you can see the change. I'll keep a lookout on my emails as well, for your will if it does come through, and then also in the post for your beneficiary forms as well. If you can't locate them or you would like us to resend them to you, just let me know as well. Yes. Mhmm. Correct. Yeah. Hub 24, that's for your super, and then one pass is for your insurances. So you can do the same both yep. Correct. Yes. Yep. If you would like it to go to the will and then, like, your brother and stuff, then yes. Yep. That's the way to do it. Yes. Perfect. Now do you have any other questions for me otherwise before I let you go and enjoy the rest of your afternoon, Emma? No. As long as you do have one, just because of your income, that's private health insure sorry. That's hospital as well? Yes. Okay. Perfect. No. That's fine. It doesn't really change anything. It's more so for us, it's just knowing if you have it or not. Because especially because you are a high income earner, if you don't have hospitals as part of it, you would then unfortunately have to pay that additional Medicare levy surcharge for additional tax. That's why having it, you don't, which which is great. So, yeah, because your income is is high, it is good that you do have the private health for that purpose at least. Yep. Perfect. Mhmm. Mhmm. Not really. Unless it changes, like, unless you want assistance with anything. So if you were just changing it and you struggle with cash flow, we can definitely assist you with that. It would just be more so if your wishes and goals changes. So if it is that you change your your property and it's you want more or less for insurances, if something were to happen because it pays off yourself, that would seem when we would make changes. But in terms of if you own it or not, it doesn't really change your your super or anything like that. And if we're not doing, like, directly, like, cash flow management, then then no. But if it is something you wanna assess or look at, let me know. And at the same time, if you want another opinion for a a lender or mortgage broker to assessing for you, again, let me know because we have a couple of contacts that we work closely with. I can just do a couple of proposals for you. Just to let you know what things might look like and see if it's, you know, obviously doable and how that would look fine as well. Yep. Perfect. Mhmm. Yes. So it is with one of our partners. So I can either get them either you can tell me email me and say, hey. I want someone to contact me, or I can pass on your information through them and get them to give you a call. Or I can send you an email with their contact details, and then you can call them whenever you want to. Whatever works best for you. There are different ones that specializes in different things. They are very versatile, but I can give them a call as well just to see which one would be more suitable for you. But we do have a lot of clients that work in the mine that do work with them. So I'm sure there would be a to carry across it, but I can would you like me to send you their contact details, or would you like me to contact them and then for them to give you a call and see how things would work, booking an appointment. Yep. And when is that? The '20 second of okay. May 25 for that week. And will you be on Tasmania time at the time? WA time. Oh, lovely. Oh, perfect. Just so I let them know as well so they don't call you too early in the morning with the time difference. Okay. So May 25 for that week. And do you prefer morning or afternoon or just kind of any time? And then if you're not available, just give them a callback. Midmorning. Okay. So about ten to twelve WA time. Great. I will get in touch with them and get them through to give you a call, and I will also just triple check that they are very across, obviously, mining and stuff like that. But like I said, we do have quite a lot of clients that do work in the mine that that use them as well. But I'll just flag that as a little thing just to make sure. Otherwise, I will get in touch with them and get them to give you a call. Is there anything else or any other questions you have for me, Emma? No? No. No problem. And if anything does change even, like, throughout the year for you as well, like, we can do more frequent catch up. So if it is that you want a bit more of, you know what? I don't wanna wait twelve months. I would like six months to catch up to see, you know, how my super is now tracking or changes. We can do however frequent catch up you would like as well. So are you happy with yearly? Would you like six monthly, three months, or what do you what do you prefer? Jelly? Okay. Yeah. Yeah. And if anything does change, like I said, at any point in time, it's all part of the service. You can email or call me whenever you want to. So even if you just have some questions, you can do that. Or, yeah, if anything does change that you are looking at making a drastic change or anything, just let me know, and we can always just kind of go through if we need to make any, you know, changes or anything for you. Yep. Yep. Perfect. Well, I'm always here if you need anything or have any questions. Otherwise, I will let you go, and enjoy the rest of the afternoon. And, hopefully, everything goes nice back at work tomorrow. Yeah. No worries. No worries. I'm always big thank you. 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afternoon. This is Emma. This is Veronica from Financial. How are you? Good.\n\nI had you booked in this afternoon to go over your annual review. Is now still a good time for you? Yes. Yeah. Perfect.\n\nIf you cut that, though, or anything, just just let me know. Yeah. Perfect. How's your day been? Just finished work?\n\nOr so jealous. How was it? Yeah. Did you have good weather? Oh, yeah.\n\nBeautiful. Well, I will try not to give you too long. I'm sure you're a bit jealous and have things to do today. So I will try not to give you for too long. But before I do kind of jump into the annual review, I do like to start by asking if there is any specific areas you would like me to touch on today or any particular questions or just a bit of a catch up and see kind of what's happened in the last twelve months.\n\nMhmm. Yep. Yes. Okay. It's all yeah.\n\nOkay. Perfect. So what I might do then is kind of go through a bit of that fact find with you now, and they kind of update some of your information, and then we can kind of see if we need to make any tweaking changes to your advice based based on that. So you bought a property, which is great, because I know last time we spoke, that was kind of something you were looking at doing. So congratulations on the house.\n\nWhere how much is that one paid at? Do you know? Mhmm. About $2.80. And mortgage attached to it?\n\nMhmm. One ninety five. Perfect. While we are talking about assets, I'll just reconfirm the other stuff I have. Your motor vehicle, right, out of us 38,000?\n\nYep. Perfect. And you don't have anything owing on that one? No. And with your property as well, is the address which address is correct for you?\n\nYes. And you is that the Tasmania property? Yes. Yes. Oh, that's perfectly fine.\n\nAs long as you are happy with that, then we can leave that. No. That's all good. We can leave that. But your the property that you bought, is that over in WA or where is that?\n\n0, yeah. Perfect. Yep. Beautiful. And I also have a shared portfolio of about 4,000.\n\nYep. Okay. Yep. Yeah. Perfect.\n\nNo. That's good. That's fine. So are you happy for me to just kind of leave it at 4,000 for now until we know? Or yeah.\n\nYeah. Yep. Perfect. Otherwise, do you have any other assets in the last twelve months or mainly just the property? Just the property.\n\nYep. Perfect. And do you have any other liabilities, like personal loans or credit card or ZipPay? Yep. So more just using it for, like, points and stuff.\n\nYep. Okay. No. That's fine. And employment wise.\n\nSo you said that changed. What are you doing now? Yep. Yes. Oh, beautiful.\n\nCongratulations. Yep. Yep. Yep. And I am very glad we got your insurance assaulted before that change because with insurances, what happens is at the time of application, what we disclosed was correct, which is perfect because it was slightly less risky in that way.\n\nAnd that is perfectly fine. Now the only reason and we're not required to go to the insurance and say, hey. I've changed a more risky occupation. They aren't because it's already underwritten and tailored for you. The only reason I would go to the insurer is when clients move from a risky occupation to a non risky occupation.\n\nBecause, obviously, if you are riskier, it's higher premiums and some restrictions potentially. So if, for example, you told me, oh, no. I'm no longer dealing with exposures whatsoever. I'm not even working in the mines. I'm just in the office.\n\nI would say, cool. I wanna go back to the insurance and see if I can get you better rates because it's safer. So that's your right. If when we have clients do the opposite, so for you, we wanna leave it because you have cover in place at the moment, which you are covered for. Now if your role change or becomes riskier, that's fine because you are still covered for your occupation.\n\nYou're still covered at the time of underwriting. So I'm very glad we got that in place for you because if we tried today with, obviously, you work more with explosives, they they very much say, too risky. Sorry. I'm glad we had that in place for you. I'll still update our records, though, but in terms of updating occupation with insurance, we don't have to, which is great.\n\nYes. Okay. So still with the same in company. What's the title called now? Do you know?\n\nCharge up. Charge up role. Perfect. Still working, like, full time, flying, fly out. Yep.\n\nPerfect. And that's still kind of underground as well? Yep. Yep. Perfect.\n\nAnd when did you change that? Okay. Perfect. And because you're with the same employer, did any of your employer benefit change? Because I know that you have some insurances through the employer.\n\nSo you have, like, your your income protection and a little bit of life attached to it. Do you know if any of that changed, or is it just because you're still with the same employer that stays in place? Okay. Okay. Perfect.\n\nYeah. Okay. Perfect. Well, that's good. And the new pay, what's that one roughly at?\n\nOh, and that's a nice increase. Makes a bit of a difference, especially with the mortgage and stuff. Yeah. And no changes otherwise, yeah, in any benefits. Employer contribution stays the same at 12%, like, no changes there.\n\nNo. Yeah. Perfect. Now I had here as well that you were saving about $1,500 a week at the last time we spoke. Is that still roughly the case, or are you saving a little bit more or less, obviously, with the property?\n\nYep. Except of yeah. Is that mhmm. Yep. Yep.\n\nOkay. Perfect. That's good. That's really good. And is that just in, like, an offset or do you pay directly on the loan?\n\nYeah. Yeah. Good. Perfect. No.\n\nThat's that's good. Exactly. Especially nowadays with everything as well. Okay. Perfect.\n\nOtherwise, personal details. I have you down here as single with no financial dependence. That's still okay? Yep. And I don't have a next obtained on file for you.\n\nSo in the event that we can't contact you, who is someone you would like to nominate? And that can be anybody. Mhmm. Yes. Mhmm.\n\nHow to do it? Correct. Yeah. For for this, but we'll also touch on that their beneficiary forms as well. But for this purpose, just next step, Ken, it's literally just someone we can contact if you go completely able and we can't get in touch with you just to make sure you're okay, essentially.\n\nYep. Perfect. And his best his name. Sorry? Y n.\n\nAnd same last name as you? Yep. Perfect. And best contact number? Two eight.\n\nYes. Two one. Yep. 011. Perfect.\n\nNow with beneficiary as well, that is different. So that is so for your super and your insurances. So in the event that something were to happen to you. Now with those nominations, would you like us to resend it to you? Do you have them still?\n\nJust a matter of completing them. Okay. Yep. Okay. Okay.\n\nThat's okay. So that is a very good question because when it comes to superannuation, it's you have to follow the safe act, and it's quite strict on who you can actually nominate directly. So to nominate someone directly on that form, it has to be a valid nomination. Now the only people who are a valid nomination directly is either a spouse, a child, someone who is financially dependent on you, and you are in an interdependent relationship. But, basically, that that is someone who must remain financially dependent on you at the time of your passing.\n\nYou need to have, like, a close personal relationship, live together, support each other. So often, I have a lot of clients who are like, well, if I don't have any kids or I don't have a partner or I wanna give it through my brother, my mom and dad, my nephew and nieces, how do I do that? So the way that you can do it is you would have to do it through a legal personal representative call. Basically, it's a fancy word for saying it reverts to your will. So the only little tricky part is that you would have to have a a will in place.\n\nAnd then in the will, you can stipulate whoever you want. So you can put your brother or your any family members or friends, and you can do different portions and and however you want to. If the valid nomination is in place, then because, basically, how it works is your super insurance does not form part of your estate. So if something were to happen that falls outside of the estate, so some people can have a different nomination for Subaru Insurance to how you want your estate distributed. But if you would like it as part of the estate is where we would then nominate a legal personal representative.\n\nSo in terms of completing the forms for you, if you would like your brother or any other family members or friends or anything like that, it would be on the form. We would complete it as a 100% going through your legal personal representative, it's called, on the form. There's, like, a little tick box. Yes. And then you would just have to, yeah, have a will to do that.\n\nYep. That's okay. Yeah. Yes. It's it's it's kind of a bit like it's always the safest to go through a lawyer.\n\nIt is the most comprehensive and airtight option. A will kit option is still better than having nothing. As long as you read the instruction on the the will care and you complete it, then that's still a lot better option than not having anything. And a lot of the times, people don't wanna have to pay for a lawyer or if you estate is pretty simple, then having their post office is a lot better than having nothing there. Will it be as airtight as a lawyer?\n\nUsually not, but it's a lot better than having nothing. And I have so many people who who just on the will kit, and that's still fine. As long as you kind of read the instructions to fill it out correctly, that would be, like, the biggest kind of risk. It is pretty straightforward with how you do it. And we say as well that if you do decide to do the post office will kit, you can always send me a copy of it if you would like, and then we can keep it on file as well, especially if, you know, you are obviously traveling or moving and stuff.\n\nIt sometimes can get lost. That way, we have it on file along with your beneficiary nomination and, obviously, everything else. So if something were to happen, we have everything in one place. Yeah. Does that answer those questions?\n\nDoes that answer those questions for you, Emma? Yes. Yeah. Yes. Yes.\n\nYes. Correct. Any chance of sending it, yeah, to us. With having the will in place on your sorry. With having your legal personal representative on the form as well, it does make it easy if your situation ever changed and you wanna update your will.\n\nYou don't have to update these forms because it just does it goes to your will. And then in your will, you can stipulate how you want it, or you can even have, you know, first person this. If something were to happen and that person's no longer, then I want this. Like, it gives you a bit more flexibility with how to structure it, whereas, yeah, directly on the form, it's just choosing, you know, a couple of options, and it's quite limited in the box where you can fit it into. Yep.\n\nAlright. And like I said, if you do complete if if you do decide to do the post office, you're more than welcome to just email me a copy, and I can always, yeah, keep it keep it on file for you. Yeah. Yeah. And, also, let someone know where you have a copy, but, yeah, we can always keep a copy on file if we keep all your other financial records.\n\nSo sometimes it is easier to keep it all together, and then that way, you know, just obviously let family stuff know that if something ever were to happen, give them our contact details, and then we have everything sorted. Yep. Perfect. Now let me see here. Any other changes otherwise for you?\n\nHealth and lifestyle, any changes, or that's kind of all the same? No. Mhmm. Not really. Yeah.\n\nBeautiful. But no, like, significant health issues or injuries or surgeries or anything. That's beautiful. And I guess when it comes to goals for yourself, because you have now achieved what you were looking at in the next couple of years, which is to buy the property. And then I think you also, when we spoke last, had a a snowboard trip planned for Japan as well, I believe.\n\nOh, how was it? I can imagine. And was that snowboarding for the first time? Yeah. Oh, nice.\n\nAnd did you go okay? It's harder than you think. Yeah. Oh, nice. So I guess, like, with the next twelve months or so, what would be your your main focus or your main goal?\n\nObviously, settling in through the property and job and everything, but do you have any other kind of financial goals that you are working towards or just to kind of build up your savings? Yep. Yep. Yep. Yeah.\n\nNo. Perfect. That's good. Now any other changes otherwise before I move on to the next thing, Emma? That's all good.\n\nOkay. Perfect. So the other thing is just to kind of quickly go through, it's another risk profile questionnaire, but it is a lot shorter than the one we did last time. Just to see if there is anything that's changed in terms of your risk allocation, how you feel about markets, or anything like that. Again, multiple choice to make it nice and easy, and you might recognize some of the questions.\n\nBut if not, just let me know if it doesn't make sense. Now the the first question here is in regards to, how much risk you're willing to take for your superannuation. So, obviously, super is that long term. At the moment, you can't access it until you settle 60 if you stop working, but you do have plenty of time. But in terms of how much risk you're willing to take.\n\nSo would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Yep. Okay. Perfect. And in terms of volatility, so it's a fluctuations.\n\nSo we're obviously seeing quite a bit of fluctuations in the last twelve months. First, we had everything, obviously, over in The US with Trump and tariffs and everything, and more recently, the war as well. So the last twelve months have been a little bit more turbulent. We have seen a bit of that fluctuation, but a lot of that too was due to general trends in the market. So not like one particular investment.\n\nIt's just what is happening in in the world, basically. So in that scenario, if you ever notice a portfolio going down by 20% due to the general trends in the market and the world. Would you, if you had the option to do so, think that, well, now is potentially a good time to invest a little bit more while the prices are down. Would you be a bit more neutral or just kind of hold and wait to see what happens? Or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped?\n\nInvest. Yeah. And would you say invest heavily or just kind of modestly? Yeah. Yeah.\n\nA little bit. Just just not everything. Okay. Perfect. And in in terms of fluctuations again, so if you obviously notice some some investment fluctuates and go down, how would that make you feel?\n\nWould you say optimistic about potential future opportunities? Again, a bit more neutral, not making further investments. Concerned or highly anxious? Optimistic. Yep.\n\nPerfect. And the last one here is, would you ever consider taking out a loan to borrow full stocks or funds? No. Would you ever consider taking out a loan to buy an investment property? Mhmm.\n\nOkay. Perfect. Now that tells me here, Emma, that you have come out as a high growth investor, which is the portfolio we currently have you invested in. Do you remember what it means to be a high growth investor at all? Yeah.\n\nBasically. So it's you're obviously trying to grow your super as much as possible while you do have plenty of time. Short term, there will be some some ups and downs and market fluctuations in order to try to achieve long term growth. And when it comes through the asset allocation, we do look about 90% in those growth assets. So, like, Australian shares, international shares, property, and commodities.\n\nAnd that is what's going to maximize those returns for you and about 10% in defensive. So, like, your cash, your gold, your fixed interest, limit fluctuations a little bit. Now are you still driving, or do you have access to your emails? Yeah. Okay.\n\nPerfect. If you would be able to jump into your email, I have just sent you some documents to go through. And one of them actually kind of fits into while we are talking about this just to kind of show you. Now we have changed the software recently as well, so it might look a little bit different to last time. But let me know if that email came through.\n\nOkay. Yep. So before you click on the link process sign now, can you see a couple of attachments at the bottom of that email? Yes. So if you can you see one where it says 2025 Vanguard index chart?\n\nYep. If you can open that one for me. Yep. Perfect. Now this is kind of good while we are talking about your risk allocation and the portfolio.\n\nHave you ever seen something like this before? No. So it is a good visual representation of what we are typically talking about when we are talking about the market. And it's often good to see and Vanguard is really good. They update this on a yearly basis to kind of show the different trends.\n\nSo this one here, you can see dates back to 1995, and then all the ups and downs and all the the world stuff that's happened until 2025. Yeah. So it is good. You can kind of see here, though, that long term market always goes up. Every single asset class goes up long term.\n\nShort term will be ups and downs and market fluctuations depending on what is happening in the world. So you can even see, you know, COVID. You can see that things took a pretty pretty big dip, but it comes back around pretty quickly. And often when you see statistically as well when we we have those people that, you know, are trying to time the market, we typically say that, you know, not trying to time the market, and what matters more is actually the time in the market. Because often what we see as well that the biggest drops, which you can kind of see here on the graph, are very closely followed by pretty quickly come back around.\n\nSo if you then, while things are going down, get quite nervous and sell out, you often then kind of miss out on the potential growth as long as you have the time behind you. So this also comes good, and the time frame comes good as well. So the closer you get to retirement, obviously, the less time you have for those fluctuations. And that's when we want to start shifting some of the growth into defensive to kind of stabilize things a little bit for you. Because if you wanna access your money tomorrow, I don't want that to be a dip right then.\n\nBut, basically, the the high growth portfolio, 90% is those top four. So you can see those graphs grow the most. So you can even see in 1995, The US shares was 10,000. Today, 214,330 2. So massive difference, but also during that time, it seems the biggest amount of fluctuation.\n\nAnd then, yeah, 10% in those defensive, which you can see hasn't grown near as much, but they're a lot more stable. Does that make sense? Yep. Yep. Now when we are looking at a time frame for a high growth portfolio, we like to ideally see about eight years until retirement to making sure you have enough time for those fluctuations.\n\nSo from a time frame point of view, you you definitely have the eight years behind you as long as you are comfortable with the level of risk and stuff in a high growth portfolio. Is that something you're still comfortable with? Yep. Yep. Perfect.\n\nSo if at any point in time anything does change, just let me know. It doesn't have to be at a review point. But, yeah, often clients in similar ages to yourself, we see in high growth, if not even more, you're aggressive as well because you have the time. But it also comes down to, obviously, your risk capacity and stuff like that. Because I also, at the same time, have some clients who are, you know, early twenties that's super, super conservative.\n\nAnd if something fluctuates, they get really worried. But on the flip side, I also have someone who is, like, 65, 70 that goes, no. I'm comfortable with that. So time does play a big role, but also how you feel and how you would react in certain situation also plays it. Yep.\n\nPerfect. Now while we are on the email, let me see here. Can you also see the next one where it says twelve month hub 24 portfolio performance report? Can you see that? Yep.\n\nPerfect. Yes. Yeah. Internal rate of return. So this one here might look a little bit messy.\n\nIt sometimes does, but it does show you all your portfolio. It shows you what's happened in the last twelve months, and it shows you everything after fees. So on here, you can see all your individual investments and how they have performed. So kind of like we touched on the last twelve months, we have seen quite a bit of fluctuation. Despite that, though, your portfolio is still positive, which is good, because it has, yeah, been a bit volatile.\n\nSo it is still up by about 3.93. Now, obviously, ideally, we would like to see it a bit higher, but it's not unexpected for what's happened in the market, especially during the, you know, periods of volatility and mixed performance across different sectors. What is more important is that the portfolio was designed to be diversified. So rather than relying on one particular market or, like, a theme, the diversification help reduce the overall volatility, but then also kind of protect capital during weaker periods in certain areas. So when we do look at the individual investment, we can see that the strongest contributors to your portfolio is your gold, which was up by about 25%, which was pretty crazy, which also obviously benefited from that kind of ongoing geopolitical uncertainty and also, like, the inflation concerns we've had.\n\nYou can also see that the iShares S and P five hundred was a strong contributor as well, which was supported by the continued strength in the large US companies. But then also the global infrastructure and thematic exposures added a lot of that stability and diversification to your portfolio. So overall, the portfolio has still held up pretty well given what's happened in the market, But it is something we always wanna continue through to research because things are always changing, and we do a lot of research on the investments. And if we foresee one investment not being like a cyclical trend at the moment and there's something a bit more going on, we wanna look at potentially changing that. Now there is one of the investments in your portfolio that I would like to do that with if you are happy with that, and that is your Benelon Australian equity.\n\nSo that one was was one of the contributor through in not growing as much. And the one of the reason is that it was added to your portfolio because it was one of the best performing fund managers, and they've done really well. More recently, they've been a little bit slower with making their investment choices. And then one of the investments that they actually had in their portfolio was the Corporate Travel Group. And I'm not sure if you read or heard anything about it, but that company had a bit of issues with their reporting, which actually put everything on pause.\n\nSo because they couldn't trade, it then kind of reflected everything in the share prices. So the investment committee would do a lot of research on the investments because we wanna make sure that at all points in time, we have you in the best investments possible. And the good thing with hub twenty four is that there's hundreds of hundreds of different choices. And if we perceive one like Benelung that we don't think is potentially going to be the best one moving forward, we then wanna look at changing it. So we have done a lot of research and found one that is quite similar in terms of because if we're swapping out an Australian market, we also wanna introduce another Australian market because we wanna keep the diversification.\n\nWe don't want everything globally, everything in The US. We wanna give you that diversification. So there is one that's called the the BetaShares Australia two hundred, which, again, does invest in the 200 largest companies in Australia. But instead of we've been along how they are kind of cheaper because it just tracks the 200 largest. So as a company grow and gets bigger, it gets added to the list, and if something gets smaller, it gets off the list.\n\nSo it gets added to the list, and if something gets smaller, it gets off the list. So it's it's a bit cheaper because of it, which does reduce the fees, which is great, but it also kind of performed a lot better than Benelung recently. So if you are happy with that, what I can do is I can issue you something that's called a record of the device just to say that we are going ahead to make that investment change, just that one for you. You don't have to sign it or anything like that. It's just for your records to to say that that's what we've done if you are happy with that.\n\nYep? Okay. Perfect. So I, yeah, perfect. Now I will get that emailed through you.\n\nIt might not be until either tomorrow, potentially Monday. But just keep a look at for your emails, and we'll go ahead and and make that change for you. And that should see see things as well. Hopefully, things do come down a little bit in the world. You never know, though.\n\nAnd kind of looking at that graph with Vanguard, it's it's not unusual for things to happen. And long term is where we do see see that growth. So that's why it is important to kind of look beyond twelve month period because on that graph, again, during some of those twelve month period, it looked amazing, whereas other years, not so much. Yeah. Does that make sense?\n\nDo you have any questions? Yep. Okay. Perfect. Now back to the email as well, you should see one where it's called super and insurance summary.\n\nCan you see that? Yep. Perfect. You're gonna open that one for me. Perfect.\n\nNow this one here gives you a bit of a breakdown of your super balance and your insurances. So you have your super in Hub 24, and you do have about 72,562 in there, which is good. And you also have your one part insurance. So you have about a million dollars worth of life and TD. Now with your life and TPD, are you still happy with that level of cover if something were to happen?\n\nIt obviously still will pay out the remaining mortgage or anything like that and still leave quite a bit extra. Are you still happy with that level of cover, or would you like to change anything? Yep. Perfect. And now you also do have that employer paid policy, which would be about last time we checked, it was about it was one year's worth of salary.\n\nSo, obviously, if your salary has gone up, you probably get a little bit more now, which is good. And then also an income protection, and that was covering about 75% of your salary. And having a look at the contract last time, it does change with your salary. So if your salary did go up, then most likely, that will be about 75% of your salary as long as that still kind of stays the same for the employer. Now any questions about that?\n\nNo. Perfect. Now back to the email, you will also see one where it says COC, so certificate of currency for one pass. Can you see that? Yep.\n\nPerfect. So if you're gonna open that one, it just breaks down your insurances in a little bit more detail there for you. Now you can also see the premium here. So it says the total yearly premium. So it's pretty cheap, which is good.\n\nSo it's about $881 for both of those. So both a a $1,000,000 worth of life and the TPD for you. Yep. Now back to the email, you will have two more attachments. I will let you have a read over those in your own time.\n\nYou have seen these before. It's one of those compliance documents. So just the financial services guide and the OQ services guide. There's no major changes to any of the information there. It's basically just we've had a bit of an update to marketing.\n\nSo as you do go and have a look at it, you will see we have some new updated photos, which is nice. And we've also had a bit of an extension to the team, which is great as well. So I'll let you have a read over that in your own time. But, otherwise, the last thing is if you are happy to do so is if you then press where it says sign now or request signature, it should ask you to sign two documents. Now one of them is your ongoing service agreement, and that is just to say that you are happy to stay on as a client.\n\nNow there is no changes whatsoever in regards to the fee structure. So it stays exactly the same at that 1.65 from Sousa. No changes whatsoever in regards to it, and it is not a lock in contract. So if at any point in time you are not happy with the service or you were just not happy, no lock in contract, no extra fees, or anything like that. So this just lets us service your account and everything in the meantime and just to make sure that, obviously, yeah, you are happy with everything and that's something we'll then upload through Hub twenty four so we can keep making those investment changes and stuff for you.\n\nAnd then the last one where it should ask you to add a signature is where it says tax file number, I should say, which is just asking you to sign. It's just a compliance form to say that we are keeping your tax file number since you're unsafe on file. Yep. Perfect. So, yeah, basically, from here is if you wanna have a read through the documents, more than welcome to.\n\nWhen you have a moment, sorry. If you, yeah, have a read through any questions, let me know. Otherwise, we do need you to sign those documents. Once you have signed it, it should say validate, and they will then send it back to the team, or we can get that all processed for you. And in the meantime, I will draw up that record of advice for you to say that we are doing that investment change.\n\nYou don't need to sign it. Like I said, it's just for your reference so you can see the change. I'll keep a lookout on my emails as well, for your will if it does come through, and then also in the post for your beneficiary forms as well. If you can't locate them or you would like us to resend them to you, just let me know as well. Yes.\n\nMhmm. Correct. Yeah. Hub 24, that's for your super, and then one pass is for your insurances. So you can do the same both yep.\n\nCorrect. Yes. Yep. If you would like it to go to the will and then, like, your brother and stuff, then yes. Yep.\n\nThat's the way to do it. Yes. Perfect. Now do you have any other questions for me otherwise before I let you go and enjoy the rest of your afternoon, Emma? No.\n\nAs long as you do have one, just because of your income, that's private health insure sorry. That's hospital as well? Yes. Okay. Perfect.\n\nNo. That's fine. It doesn't really change anything. It's more so for us, it's just knowing if you have it or not. Because especially because you are a high income earner, if you don't have hospitals as part of it, you would then unfortunately have to pay that additional Medicare levy surcharge for additional tax.\n\nThat's why having it, you don't, which which is great. So, yeah, because your income is is high, it is good that you do have the private health for that purpose at least. Yep. Perfect. Mhmm.\n\nMhmm. Not really. Unless it changes, like, unless you want assistance with anything. So if you were just changing it and you struggle with cash flow, we can definitely assist you with that. It would just be more so if your wishes and goals changes.\n\nSo if it is that you change your your property and it's you want more or less for insurances, if something were to happen because it pays off yourself, that would seem when we would make changes. But in terms of if you own it or not, it doesn't really change your your super or anything like that. And if we're not doing, like, directly, like, cash flow management, then then no. But if it is something you wanna assess or look at, let me know. And at the same time, if you want another opinion for a a lender or mortgage broker to assessing for you, again, let me know because we have a couple of contacts that we work closely with.\n\nI can just do a couple of proposals for you. Just to let you know what things might look like and see if it's, you know, obviously doable and how that would look fine as well. Yep. Perfect. Mhmm.\n\nYes. So it is with one of our partners. So I can either get them either you can tell me email me and say, hey. I want someone to contact me, or I can pass on your information through them and get them to give you a call. Or I can send you an email with their contact details, and then you can call them whenever you want to.\n\nWhatever works best for you. There are different ones that specializes in different things. They are very versatile, but I can give them a call as well just to see which one would be more suitable for you. But we do have a lot of clients that work in the mine that do work with them. So I'm sure there would be a to carry across it, but I can would you like me to send you their contact details, or would you like me to contact them and then for them to give you a call and see how things would work, booking an appointment.\n\nYep. And when is that? The '20 second of okay. May 25 for that week. And will you be on Tasmania time at the time?\n\nWA time. Oh, lovely. Oh, perfect. Just so I let them know as well so they don't call you too early in the morning with the time difference. Okay.\n\nSo May 25 for that week. And do you prefer morning or afternoon or just kind of any time? And then if you're not available, just give them a callback. Midmorning. Okay.\n\nSo about ten to twelve WA time. Great. I will get in touch with them and get them through to give you a call, and I will also just triple check that they are very across, obviously, mining and stuff like that. But like I said, we do have quite a lot of clients that do work in the mine that that use them as well. But I'll just flag that as a little thing just to make sure.\n\nOtherwise, I will get in touch with them and get them to give you a call. Is there anything else or any other questions you have for me, Emma? No? No. No problem.\n\nAnd if anything does change even, like, throughout the year for you as well, like, we can do more frequent catch up. So if it is that you want a bit more of, you know what? I don't wanna wait twelve months. I would like six months to catch up to see, you know, how my super is now tracking or changes. We can do however frequent catch up you would like as well.\n\nSo are you happy with yearly? Would you like six monthly, three months, or what do you what do you prefer? Jelly? Okay. Yeah.\n\nYeah. And if anything does change, like I said, at any point in time, it's all part of the service. You can email or call me whenever you want to. So even if you just have some questions, you can do that. Or, yeah, if anything does change that you are looking at making a drastic change or anything, just let me know, and we can always just kind of go through if we need to make any, you know, changes or anything for you.\n\nYep. Yep. Perfect. Well, I'm always here if you need anything or have any questions. Otherwise, I will let you go, and enjoy the rest of the afternoon.\n\nAnd, hopefully, everything goes nice back at work tomorrow. Yeah. No worries. No worries. I'm always big thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.96,"end":3.6,"sentiment":"neutral","sentiment_score":0.2943204492330551},{"text":"This is Emma.","start":3.6,"end":4.42,"sentiment":"neutral","sentiment_score":0.17204254368940988},{"text":"This is Veronica from Financial.","start":6.08,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.18360665440559387},{"text":"How are you?","start":8.32,"end":9.139999,"sentiment":"neutral","sentiment_score":0.21739148100217184},{"text":"Good.","start":11.92,"end":12.42,"sentiment":"positive","sentiment_score":0.5086997747421265}],"sentiment":"neutral","sentiment_score":0.22740542995078222,"num_words":14,"start":2.96,"end":12.42},{"sentences":[{"text":"I had you booked in this afternoon to go over your annual review.","start":13.715,"end":16.994999,"sentiment":"positive","sentiment_score":0.39677741206609285},{"text":"Is now still a good time for you?","start":16.994999,"end":18.695,"sentiment":"positive","sentiment_score":0.36740200594067574},{"text":"Yes.","start":20.275,"end":20.775,"sentiment":"neutral","sentiment_score":0.06845380365848541},{"text":"Yeah.","start":22.355,"end":22.675,"sentiment":"neutral","sentiment_score":0.2106425166130066},{"text":"Perfect.","start":22.675,"end":23.075,"sentiment":"positive","sentiment_score":0.4102080464363098}],"sentiment":"positive","sentiment_score":0.36610944879551727,"num_words":24,"start":13.715,"end":23.075},{"sentences":[{"text":"If you cut that, though, or anything, just just let me know.","start":23.075,"end":26.34,"sentiment":"neutral","sentiment_score":0.19250760103265444},{"text":"Yeah.","start":26.34,"end":26.84,"sentiment":"neutral","sentiment_score":0.14110952615737915},{"text":"Perfect.","start":28.18,"end":28.68,"sentiment":"positive","sentiment_score":0.4664318561553955},{"text":"How's your day been?","start":28.74,"end":29.62,"sentiment":"neutral","sentiment_score":0.2678903602063656},{"text":"Just finished work?","start":29.62,"end":30.68,"sentiment":"neutral","sentiment_score":0.1433564176162084}],"sentiment":"neutral","sentiment_score":0.21044110897041501,"num_words":21,"start":23.075,"end":30.68},{"sentences":[{"text":"Or so jealous.","start":30.74,"end":39.14,"sentiment":"neutral","sentiment_score":0.20690672596295676},{"text":"How was it?","start":39.14,"end":40.12,"sentiment":"neutral","sentiment_score":0.2409784346818924},{"text":"Yeah.","start":42.065002,"end":42.565002,"sentiment":"neutral","sentiment_score":0.2451062798500061},{"text":"Did you have good weather?","start":42.865,"end":44.085003,"sentiment":"neutral","sentiment_score":0.20932481586933135},{"text":"Oh, yeah.","start":50.145,"end":50.785004,"sentiment":"neutral","sentiment_score":0.28173813223838806}],"sentiment":"neutral","sentiment_score":0.22849015040057047,"num_words":14,"start":30.74,"end":50.785004},{"sentences":[{"text":"Beautiful.","start":50.785004,"end":51.285004,"sentiment":"positive","sentiment_score":0.453732967376709},{"text":"Well, I will try not to give you too long.","start":51.585,"end":53.825,"sentiment":"neutral","sentiment_score":0.0820395801216364},{"text":"I'm sure you're a bit jealous and have things to do today.","start":53.825,"end":57.550003,"sentiment":"neutral","sentiment_score":0.038520143600180745},{"text":"So I will try not to give you for too long.","start":58.010002,"end":60.75,"sentiment":"neutral","sentiment_score":-0.01680208166891878},{"text":"But before I do kind of jump into the annual review, I do like to start by asking if there is any specific areas you would like me to touch on today or any particular questions or just a bit of a catch up and see kind of what's happened in the last twelve months.","start":61.61,"end":74.825005,"sentiment":"neutral","sentiment_score":0.056968656250021676}],"sentiment":"neutral","sentiment_score":0.05263846839537446,"num_words":89,"start":50.785004,"end":74.825005},{"sentences":[{"text":"Mhmm.","start":84.66,"end":85.16,"sentiment":"neutral","sentiment_score":0.061031781136989594},{"text":"Yep.","start":88.9,"end":89.4,"sentiment":"neutral","sentiment_score":0.10249412059783936},{"text":"Yes.","start":91.78,"end":92.28,"sentiment":"neutral","sentiment_score":0.05618594214320183},{"text":"Okay.","start":95.475,"end":95.975,"sentiment":"neutral","sentiment_score":0.11272847652435304},{"text":"It's all yeah.","start":98.355,"end":100.835,"sentiment":"neutral","sentiment_score":0.2893751561641693}],"sentiment":"neutral","sentiment_score":0.17150939841355597,"num_words":7,"start":84.66,"end":100.835},{"sentences":[{"text":"Okay.","start":100.835,"end":101.155,"sentiment":"neutral","sentiment_score":0.21891723573207855},{"text":"Perfect.","start":101.155,"end":101.475,"sentiment":"positive","sentiment_score":0.3372308015823364},{"text":"So what I might do then is kind of go through a bit of that fact find with you now, and they kind of update some of your information, and then we can kind of see if we need to make any tweaking changes to your advice based based on that.","start":101.475,"end":113.520004,"sentiment":"neutral","sentiment_score":0.10047968907975684},{"text":"So you bought a property, which is great, because I know last time we spoke, that was kind of something you were looking at doing.","start":115.020004,"end":120.78,"sentiment":"positive","sentiment_score":0.5076560080051422},{"text":"So congratulations on the house.","start":120.78,"end":122.8,"sentiment":"positive","sentiment_score":0.6586835384368896}],"sentiment":"neutral","sentiment_score":0.26102927798427733,"num_words":83,"start":100.835,"end":122.8},{"sentences":[{"text":"Where how much is that one paid at?","start":124.755,"end":126.674995,"sentiment":"neutral","sentiment_score":0.02949363738298416},{"text":"Do you know?","start":126.674995,"end":127.335,"sentiment":"neutral","sentiment_score":0.012078961357474327},{"text":"Mhmm.","start":130.275,"end":130.775,"sentiment":"neutral","sentiment_score":0.007471098564565182},{"text":"About $2.80.","start":134.515,"end":135.655,"sentiment":"neutral","sentiment_score":0.003883359022438526},{"text":"And mortgage attached to it?","start":137.99,"end":139.77,"sentiment":"neutral","sentiment_score":0.0041785802692174915}],"sentiment":"neutral","sentiment_score":0.01622719479430663,"num_words":19,"start":124.755,"end":139.77},{"sentences":[{"text":"Mhmm.","start":145.91,"end":146.39,"sentiment":"neutral","sentiment_score":0.009483568370342256},{"text":"One ninety five.","start":146.39,"end":147.61,"sentiment":"neutral","sentiment_score":0.024815719885130722},{"text":"Perfect.","start":147.75,"end":148.25,"sentiment":"neutral","sentiment_score":0.3232157826423645},{"text":"While we are talking about assets, I'll just reconfirm the other stuff I have.","start":150.375,"end":153.995,"sentiment":"neutral","sentiment_score":0.04420397124652352},{"text":"Your motor vehicle, right, out of us 38,000?","start":155.655,"end":158.795,"sentiment":"neutral","sentiment_score":0.018594876513816416}],"sentiment":"neutral","sentiment_score":0.04350967111962813,"num_words":27,"start":145.91,"end":158.795},{"sentences":[{"text":"Yep.","start":161.67,"end":162.15001,"sentiment":"neutral","sentiment_score":0.08442658185958862},{"text":"Perfect.","start":162.15001,"end":162.55,"sentiment":"neutral","sentiment_score":0.24350054562091827},{"text":"And you don't have anything owing on that one?","start":162.55,"end":164.65001,"sentiment":"neutral","sentiment_score":0.02412476245727804},{"text":"No.","start":166.31,"end":166.81,"sentiment":"neutral","sentiment_score":-0.03827104717493057},{"text":"And with your property as well, is the address which address is correct for you?","start":167.11,"end":175.13,"sentiment":"neutral","sentiment_score":-0.011448465225597223}],"sentiment":"neutral","sentiment_score":0.012409332001374828,"num_words":27,"start":161.67,"end":175.13},{"sentences":[{"text":"Yes.","start":178.335,"end":178.835,"sentiment":"neutral","sentiment_score":0.009949667379260063},{"text":"And you is that the Tasmania property?","start":187.71,"end":190.05,"sentiment":"neutral","sentiment_score":0.011463792462434088},{"text":"Yes.","start":191.71,"end":192.21,"sentiment":"neutral","sentiment_score":0.011111225932836533},{"text":"Yes.","start":193.39,"end":193.71,"sentiment":"neutral","sentiment_score":0.03589645400643349},{"text":"Oh, that's perfectly fine.","start":193.71,"end":194.67,"sentiment":"neutral","sentiment_score":0.12114273943006992}],"sentiment":"neutral","sentiment_score":0.04441248944827488,"num_words":14,"start":178.335,"end":194.67},{"sentences":[{"text":"As long as you are happy with that, then we can leave that.","start":194.67,"end":198.05,"sentiment":"neutral","sentiment_score":0.06445893989159511},{"text":"No.","start":201.725,"end":201.965,"sentiment":"neutral","sentiment_score":-0.08002018928527832},{"text":"That's all good.","start":201.965,"end":202.605,"sentiment":"neutral","sentiment_score":-0.03454906245072683},{"text":"We can leave that.","start":202.605,"end":203.665,"sentiment":"neutral","sentiment_score":0.016767227556556463},{"text":"But your the property that you bought, is that over in WA or where is that?","start":204.205,"end":209.665,"sentiment":"neutral","sentiment_score":0.01283076941035688}],"sentiment":"neutral","sentiment_score":0.025044866560681445,"num_words":37,"start":194.67,"end":209.665},{"sentences":[{"text":"0, 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good.","start":243.53,"end":244.51,"sentiment":"neutral","sentiment_score":0.05833106301724911},{"text":"That's fine.","start":245.53,"end":246.09,"sentiment":"neutral","sentiment_score":0.18759088963270187},{"text":"So are you happy for me to just kind of leave it at 4,000 for now until we know?","start":246.09,"end":250.73,"sentiment":"neutral","sentiment_score":0.0918311427690481},{"text":"Or yeah.","start":250.73,"end":254.565,"sentiment":"neutral","sentiment_score":-0.02849909570068121}],"sentiment":"neutral","sentiment_score":0.08327559990665087,"num_words":26,"start":243.29,"end":254.565},{"sentences":[{"text":"Yeah.","start":256.225,"end":256.725,"sentiment":"neutral","sentiment_score":0.04515505209565163},{"text":"Yep.","start":257.745,"end":258.065,"sentiment":"neutral","sentiment_score":0.18934428691864016},{"text":"Perfect.","start":258.065,"end":258.565,"sentiment":"positive","sentiment_score":0.49929913878440857},{"text":"Otherwise, do you have any other assets in the 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beautiful.","start":305.025,"end":305.66498,"sentiment":"positive","sentiment_score":0.5446899235248566}],"sentiment":"neutral","sentiment_score":0.10377350502780505,"num_words":14,"start":288.095,"end":305.66498},{"sentences":[{"text":"Congratulations.","start":305.66498,"end":306.16498,"sentiment":"positive","sentiment_score":0.5945626497268677},{"text":"Yep.","start":313.10498,"end":313.60498,"sentiment":"neutral","sentiment_score":0.0016003798227757215},{"text":"Yep.","start":315.66498,"end":316.16498,"sentiment":"neutral","sentiment_score":0.013711148872971536},{"text":"Yep.","start":320.17,"end":320.49,"sentiment":"neutral","sentiment_score":0.11033400148153304},{"text":"And I am very glad we got your insurance assaulted before that change because with insurances, what happens is at the time of application, what we disclosed was correct, which is perfect because it was slightly less risky in that way.","start":320.49,"end":335.66498,"sentiment":"neutral","sentiment_score":0.2847676720561051}],"sentiment":"neutral","sentiment_score":0.2754596163156546,"num_words":45,"start":305.66498,"end":335.66498},{"sentences":[{"text":"And that is perfectly fine.","start":336.60498,"end":338.305,"sentiment":"neutral","sentiment_score":0.28153112530708313},{"text":"Now the only reason and we're not required to go to the insurance and say, hey.","start":338.445,"end":343.245,"sentiment":"neutral","sentiment_score":-0.0033634121937211603},{"text":"I've changed a more risky occupation.","start":343.245,"end":345.10498,"sentiment":"neutral","sentiment_score":-0.02073367095241944},{"text":"They aren't because it's already underwritten and tailored for you.","start":346.8,"end":349.59998,"sentiment":"neutral","sentiment_score":0.03201396185904741},{"text":"The only reason I would go to the insurer is when clients move from a risky occupation to a non risky occupation.","start":349.59998,"end":358.34,"sentiment":"neutral","sentiment_score":-0.022305545312437145}],"sentiment":"neutral","sentiment_score":0.017946722498952836,"num_words":59,"start":336.60498,"end":358.34},{"sentences":[{"text":"Because, obviously, if you are riskier, it's higher premiums and some restrictions potentially.","start":359.015,"end":365.595,"sentiment":"neutral","sentiment_score":-0.07925795018672943},{"text":"So if, for example, you told me, oh, no.","start":366.935,"end":370.135,"sentiment":"neutral","sentiment_score":-0.032408258153332606},{"text":"I'm no longer dealing with exposures whatsoever.","start":370.135,"end":372.77002,"sentiment":"neutral","sentiment_score":-0.26258344096796854},{"text":"I'm not even working in the mines.","start":372.83002,"end":374.11002,"sentiment":"neutral","sentiment_score":-0.25884711742401123},{"text":"I'm just in the 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your occupation.","start":391.755,"end":398.17502,"sentiment":"neutral","sentiment_score":0.0905689781324731}],"sentiment":"neutral","sentiment_score":0.15336957697228,"num_words":74,"start":375.71002,"end":398.17502},{"sentences":[{"text":"You're still covered at the time of underwriting.","start":398.315,"end":400.255,"sentiment":"neutral","sentiment_score":0.09472344163805246},{"text":"So I'm very glad we got that in place for you because if we tried today with, obviously, you work more with explosives, they they very much say, too risky.","start":400.69998,"end":410.46,"sentiment":"neutral","sentiment_score":0.10273411360879739},{"text":"Sorry.","start":410.46,"end":410.78,"sentiment":"neutral","sentiment_score":-0.02207259088754654},{"text":"I'm glad we had that in place for you.","start":410.78,"end":413.375,"sentiment":"positive","sentiment_score":0.3655546423461702},{"text":"I'll still update our records, though, but in terms of updating occupation with insurance, we don't have to, which is great.","start":413.83502,"end":420.575,"sentiment":"neutral","sentiment_score":0.23016260493369328}],"sentiment":"neutral","sentiment_score":0.17306007007541863,"num_words":69,"start":398.315,"end":420.575},{"sentences":[{"text":"Yes.","start":422.635,"end":423.11502,"sentiment":"neutral","sentiment_score":0.059759873896837234},{"text":"Okay.","start":423.11502,"end":423.515,"sentiment":"neutral","sentiment_score":0.0256161130964756},{"text":"So still with the same in company.","start":423.515,"end":426.33502,"sentiment":"neutral","sentiment_score":0.00684721435287169},{"text":"What's the title called now?","start":426.715,"end":428.61002,"sentiment":"neutral","sentiment_score":0.004143674485385418},{"text":"Do you know?","start":428.61002,"end":429.35,"sentiment":"neutral","sentiment_score":-0.0060051654775937395}],"sentiment":"neutral","sentiment_score":0.008000550791621208,"num_words":17,"start":422.635,"end":429.35},{"sentences":[{"text":"Charge 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good.","start":498.515,"end":499.495,"sentiment":"positive","sentiment_score":0.5525645812352499},{"text":"And the new pay, what's that one roughly at?","start":499.875,"end":503.73502,"sentiment":"neutral","sentiment_score":0.08820945893724759}],"sentiment":"neutral","sentiment_score":0.2034811402671039,"num_words":15,"start":496.25998,"end":503.73502},{"sentences":[{"text":"Oh, and that's a nice increase.","start":505.95502,"end":507.335,"sentiment":"positive","sentiment_score":0.4579518884420395},{"text":"Makes a bit of a difference, especially with the mortgage and stuff.","start":507.635,"end":510.935,"sentiment":"neutral","sentiment_score":0.22071584003667036},{"text":"Yeah.","start":510.995,"end":511.495,"sentiment":"neutral","sentiment_score":0.08346053957939148},{"text":"And no changes otherwise, yeah, in any benefits.","start":513.41,"end":516.31,"sentiment":"neutral","sentiment_score":0.027735321782529354},{"text":"Employer contribution stays the same at 12%, like, no changes there.","start":516.37,"end":520.47,"sentiment":"neutral","sentiment_score":0.03045821740207347}],"sentiment":"neutral","sentiment_score":0.15886012937775568,"num_words":38,"start":505.95502,"end":520.47},{"sentences":[{"text":"No.","start":522.45,"end":522.95,"sentiment":"neutral","sentiment_score":0.002958805300295353},{"text":"Yeah.","start":523.08997,"end":523.49,"sentiment":"neutral","sentiment_score":0.10142770409584044},{"text":"Perfect.","start":523.49,"end":523.99,"sentiment":"neutral","sentiment_score":0.29233503341674805},{"text":"Now I had here as well that you were saving about $1,500 a week at the last time we spoke.","start":524.875,"end":531.535,"sentiment":"neutral","sentiment_score":0.06011328808963299},{"text":"Is that still roughly the case, or are you saving a little bit more or less, obviously, with the 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loan?","start":559.875,"end":563.735,"sentiment":"neutral","sentiment_score":0.014348328404594213}],"sentiment":"neutral","sentiment_score":0.11763216964090648,"num_words":23,"start":556.515,"end":563.735},{"sentences":[{"text":"Yeah.","start":566.1,"end":566.6,"sentiment":"neutral","sentiment_score":-0.007775368168950081},{"text":"Yeah.","start":567.86,"end":568.18,"sentiment":"neutral","sentiment_score":0.09764055907726288},{"text":"Good.","start":568.18,"end":568.42,"sentiment":"neutral","sentiment_score":0.21058863401412964},{"text":"Perfect.","start":568.42,"end":568.92,"sentiment":"neutral","sentiment_score":0.19501563906669617},{"text":"No.","start":569.14,"end":569.38,"sentiment":"neutral","sentiment_score":0.08546911180019379}],"sentiment":"neutral","sentiment_score":0.11618771515786648,"num_words":5,"start":566.1,"end":569.38},{"sentences":[{"text":"That's that's good.","start":569.38,"end":570.44,"sentiment":"neutral","sentiment_score":0.17293580869833627},{"text":"Exactly.","start":572.42,"end":572.92,"sentiment":"neutral","sentiment_score":0.08488117158412933},{"text":"Especially nowadays with everything as well.","start":572.98,"end":576.52,"sentiment":"neutral","sentiment_score":0.08619929850101471},{"text":"Okay.","start":578.265,"end":578.42505,"sentiment":"neutral","sentiment_score":0.12215909361839294},{"text":"Perfect.","start":578.42505,"end":578.92505,"sentiment":"neutral","sentiment_score":0.1741560399532318}],"sentiment":"neutral","sentiment_score":0.11809996018807094,"num_words":12,"start":569.38,"end":578.92505},{"sentences":[{"text":"Otherwise, personal details.","start":581.86505,"end":583.48505,"sentiment":"neutral","sentiment_score":0.10736622164646785},{"text":"I have you down here as single with no financial dependence.","start":583.945,"end":586.765,"sentiment":"neutral","sentiment_score":0.09244593199003827},{"text":"That's still okay?","start":586.825,"end":587.885,"sentiment":"neutral","sentiment_score":0.11333492894967397},{"text":"Yep.","start":590.92,"end":591.42,"sentiment":"neutral","sentiment_score":0.04408794641494751},{"text":"And I don't have a next obtained on file for you.","start":592.51996,"end":595.98,"sentiment":"neutral","sentiment_score":0.0062882338904521684}],"sentiment":"neutral","sentiment_score":0.06180231803064716,"num_words":29,"start":581.86505,"end":595.98},{"sentences":[{"text":"So in the event that we can't contact you, who is someone you would like to nominate?","start":596.36,"end":602.51996,"sentiment":"neutral","sentiment_score":0.031150503631900337},{"text":"And that can be anybody.","start":602.51996,"end":603.82,"sentiment":"neutral","sentiment_score":0.05658828839659691},{"text":"Mhmm.","start":608.945,"end":609.445,"sentiment":"neutral","sentiment_score":0.02136232703924179},{"text":"Yes.","start":609.985,"end":610.485,"sentiment":"neutral","sentiment_score":0.02191111072897911},{"text":"Mhmm.","start":625.44,"end":625.94,"sentiment":"neutral","sentiment_score":-0.05169334262609482}],"sentiment":"neutral","sentiment_score":0.032163203954696656,"num_words":25,"start":596.36,"end":625.94},{"sentences":[{"text":"How to do it?","start":629.855,"end":630.915,"sentiment":"neutral","sentiment_score":-0.0435287244617939},{"text":"Correct.","start":634.89496,"end":635.375,"sentiment":"neutral","sentiment_score":0.06090407073497772},{"text":"Yeah.","start":635.375,"end":635.615,"sentiment":"neutral","sentiment_score":0.058463819324970245},{"text":"For for this, but we'll also touch on that their beneficiary forms as well.","start":635.615,"end":639.375,"sentiment":"neutral","sentiment_score":0.10015288580741201},{"text":"But for this purpose, just next step, Ken, it's literally just someone we can contact if you go completely able and we can't get in touch with you just to make sure you're okay, essentially.","start":639.375,"end":648.95,"sentiment":"neutral","sentiment_score":0.05012176521122456}],"sentiment":"neutral","sentiment_score":0.05639373047108,"num_words":55,"start":629.855,"end":648.95},{"sentences":[{"text":"Yep.","start":652.45,"end":652.93,"sentiment":"neutral","sentiment_score":0.1825651377439499},{"text":"Perfect.","start":652.93,"end":653.43,"sentiment":"positive","sentiment_score":0.49723711609840393},{"text":"And his best his name.","start":653.57,"end":655.65,"sentiment":"neutral","sentiment_score":0.25670696794986725},{"text":"Sorry?","start":655.65,"end":656.15,"sentiment":"neutral","sentiment_score":0.06407631933689117},{"text":"Y n.","start":659.89496,"end":660.535,"sentiment":"neutral","sentiment_score":0.006846605334430933}],"sentiment":"neutral","sentiment_score":0.20411066235974432,"num_words":10,"start":652.45,"end":660.535},{"sentences":[{"text":"And same last name as you?","start":660.535,"end":662.15497,"sentiment":"neutral","sentiment_score":0.02038425796975692},{"text":"Yep.","start":663.33496,"end":663.735,"sentiment":"neutral","sentiment_score":0.11775441467761992},{"text":"Perfect.","start":663.735,"end":664.235,"sentiment":"positive","sentiment_score":0.35241082310676575},{"text":"And best contact number?","start":664.535,"end":665.995,"sentiment":"neutral","sentiment_score":0.14157690480351448},{"text":"Two eight.","start":668.79,"end":669.35,"sentiment":"neutral","sentiment_score":0.013740723952651024}],"sentiment":"neutral","sentiment_score":0.08473284662302051,"num_words":14,"start":660.535,"end":669.35},{"sentences":[{"text":"Yes.","start":669.35,"end":669.85,"sentiment":"neutral","sentiment_score":0.02607050910592079},{"text":"Two one.","start":671.91,"end":672.55,"sentiment":"neutral","sentiment_score":0.02122343610972166},{"text":"Yep.","start":672.55,"end":673.05,"sentiment":"neutral","sentiment_score":0.02944918721914291},{"text":"011.","start":674.87,"end":676.01,"sentiment":"neutral","sentiment_score":0.026585359126329425},{"text":"Perfect.","start":676.07,"end":676.57,"sentiment":"neutral","sentiment_score":0.2713615298271179}],"sentiment":"neutral","sentiment_score":0.06598557624965906,"num_words":6,"start":669.35,"end":676.57},{"sentences":[{"text":"Now with beneficiary as well, that is different.","start":677.27,"end":679.93,"sentiment":"neutral","sentiment_score":0.10023934254422784},{"text":"So that is so for your super and your insurances.","start":680.15,"end":684.04504,"sentiment":"neutral","sentiment_score":0.21784998327493668},{"text":"So in the event that something were to happen to you.","start":684.185,"end":686.84503,"sentiment":"neutral","sentiment_score":0.07993399825963107},{"text":"Now with those nominations, would you like us to resend it to you?","start":687.22504,"end":692.265,"sentiment":"neutral","sentiment_score":0.0804006070471727},{"text":"Do you have them still?","start":692.265,"end":693.72504,"sentiment":"neutral","sentiment_score":0.008855168521404267}],"sentiment":"neutral","sentiment_score":0.10530153804637016,"num_words":47,"start":677.27,"end":693.72504},{"sentences":[{"text":"Just a matter of completing them.","start":694.10504,"end":696.71,"sentiment":"neutral","sentiment_score":0.001081571914255619},{"text":"Okay.","start":697.41,"end":697.91,"sentiment":"neutral","sentiment_score":0.04048631340265274},{"text":"Yep.","start":700.77,"end":701.25,"sentiment":"neutral","sentiment_score":0.10253789275884628},{"text":"Okay.","start":701.25,"end":701.75,"sentiment":"neutral","sentiment_score":0.12334612011909483},{"text":"Okay.","start":705.41,"end":705.91,"sentiment":"neutral","sentiment_score":0.042902037501335144}],"sentiment":"neutral","sentiment_score":0.031576179526746274,"num_words":10,"start":694.10504,"end":705.91},{"sentences":[{"text":"That's okay.","start":706.53,"end":707.35,"sentiment":"neutral","sentiment_score":0.19594942033290863},{"text":"So that is a very good question because when it comes to superannuation, it's you have to follow the safe act, and it's quite strict on who you can actually nominate directly.","start":713.435,"end":725.07,"sentiment":"neutral","sentiment_score":-0.005157950683496892},{"text":"So to nominate someone directly on that form, it has to be a valid nomination.","start":725.69,"end":732.27,"sentiment":"neutral","sentiment_score":-0.043408480534950895},{"text":"Now the only people who are a valid nomination directly is either a spouse, a child, someone who is financially dependent on you, and you are in an interdependent relationship.","start":732.72504,"end":745.625,"sentiment":"neutral","sentiment_score":0.03379346343378226},{"text":"But, basically, that that is someone who must remain financially dependent on you at the time of your passing.","start":745.97003,"end":751.03,"sentiment":"neutral","sentiment_score":0.04898541106989509}],"sentiment":"neutral","sentiment_score":0.015512693103174774,"num_words":98,"start":706.53,"end":751.03},{"sentences":[{"text":"You need to have, like, a close personal relationship, live together, support each other.","start":751.49,"end":756.07,"sentiment":"neutral","sentiment_score":0.12926978671125003},{"text":"So often, I have a lot of clients who are like, well, if I don't have any kids or I don't have a partner or I wanna give it through my brother, my mom and dad, my nephew and nieces, how do I do that?","start":756.45,"end":768.65497,"sentiment":"neutral","sentiment_score":-0.03905458057092296},{"text":"So the way that you can do it is you would have to do it through a legal personal representative call.","start":768.795,"end":777.11,"sentiment":"neutral","sentiment_score":0.0530877805181912},{"text":"Basically, it's a fancy word for saying it reverts to your will.","start":777.57,"end":781.67,"sentiment":"neutral","sentiment_score":0.055598902671287455},{"text":"So the only little tricky part is that you would have to have a a will in place.","start":782.37,"end":788.33496,"sentiment":"neutral","sentiment_score":-0.10896627315216595}],"sentiment":"neutral","sentiment_score":-0.0011549255048686807,"num_words":110,"start":751.49,"end":788.33496},{"sentences":[{"text":"And then in the will, you can stipulate whoever you want.","start":789.355,"end":792.315,"sentiment":"neutral","sentiment_score":0.04732138832861727},{"text":"So you can put your brother or your any family members or friends, and you can do different portions and and however you want to.","start":792.315,"end":800.495,"sentiment":"neutral","sentiment_score":0.06658083632588387},{"text":"If the valid nomination is in place, then because, basically, how it works is your super insurance does not form part of your estate.","start":801.12,"end":810.74,"sentiment":"neutral","sentiment_score":0.04376815119758248},{"text":"So if something were to happen that falls outside of the estate, so some people can have a different nomination for Subaru Insurance to how you want your estate distributed.","start":811.04,"end":819.485,"sentiment":"neutral","sentiment_score":-0.014497614776094755},{"text":"But if you would like it as part of the estate is where we would then nominate a legal personal representative.","start":820.745,"end":827.245,"sentiment":"neutral","sentiment_score":0.16207122376986913}],"sentiment":"neutral","sentiment_score":0.055892424003497976,"num_words":111,"start":789.355,"end":827.245},{"sentences":[{"text":"So in terms of completing the forms for you, if you would like your brother or any other family members or friends or anything like that, it would be on the form.","start":827.625,"end":837.16,"sentiment":"neutral","sentiment_score":0.12337640207260847},{"text":"We would complete it as a 100% going through your legal personal representative, it's called, on the form.","start":837.16,"end":843.56,"sentiment":"neutral","sentiment_score":0.23020118930273586},{"text":"There's, like, a little tick box.","start":843.56,"end":845.1,"sentiment":"neutral","sentiment_score":0.04653862429161867},{"text":"Yes.","start":847.575,"end":848.055,"sentiment":"neutral","sentiment_score":0.07381540536880493},{"text":"And then you would just have to, yeah, have a will to do that.","start":848.055,"end":853.195,"sentiment":"neutral","sentiment_score":0.016294630377420356}],"sentiment":"neutral","sentiment_score":0.12215265141091716,"num_words":71,"start":827.625,"end":853.195},{"sentences":[{"text":"Yep.","start":856.21497,"end":856.71497,"sentiment":"neutral","sentiment_score":-0.07674434781074524},{"text":"That's okay.","start":859.03,"end":859.77,"sentiment":"neutral","sentiment_score":-0.32443132996559143},{"text":"Yeah.","start":860.79,"end":861.29,"sentiment":"neutral","sentiment_score":-0.05836883559823036},{"text":"Yes.","start":863.51,"end":864.01,"sentiment":"neutral","sentiment_score":-0.09779562056064606},{"text":"It's it's it's kind of a bit like it's always the safest to go through a lawyer.","start":870.71,"end":875.455,"sentiment":"neutral","sentiment_score":-0.17913355546839096}],"sentiment":"neutral","sentiment_score":-0.1785019048574296,"num_words":22,"start":856.21497,"end":875.455},{"sentences":[{"text":"It is the most comprehensive and airtight option.","start":875.455,"end":877.795,"sentiment":"positive","sentiment_score":0.4454460181295872},{"text":"A will kit option is still better than having nothing.","start":878.65497,"end":882.035,"sentiment":"positive","sentiment_score":0.4611514568328857},{"text":"As long as you read the instruction on the the will care and you complete it, then that's still a lot better option than not having anything.","start":882.255,"end":891.58997,"sentiment":"positive","sentiment_score":0.36433783339129555},{"text":"And a lot of the times, people don't wanna have to pay for a lawyer or if you estate is pretty simple, then having their post office is a lot better than having nothing there.","start":891.58997,"end":900.935,"sentiment":"neutral","sentiment_score":0.2967379597680909},{"text":"Will it be as airtight as a lawyer?","start":901.715,"end":904.61505,"sentiment":"neutral","sentiment_score":0.19234202709048986}],"sentiment":"positive","sentiment_score":0.34019055708565493,"num_words":88,"start":875.455,"end":904.61505},{"sentences":[{"text":"Usually not, but it's a lot better than having nothing.","start":904.91504,"end":908.215,"sentiment":"neutral","sentiment_score":0.1297082744538784},{"text":"And I have so many people who who just on the will kit, and that's still fine.","start":908.35504,"end":912.9,"sentiment":"positive","sentiment_score":0.36492404341697693},{"text":"As long as you kind of read the instructions to fill it out correctly, that would be, like, the biggest kind of risk.","start":912.9,"end":918.2,"sentiment":"neutral","sentiment_score":-0.25692811802677484},{"text":"It is pretty straightforward with how you do it.","start":918.34,"end":921.16003,"sentiment":"neutral","sentiment_score":0.2908807512786653},{"text":"And we say as well that if you do decide to do the post office will kit, you can always send me a copy of it if you would like, and then we can keep it on file as well, especially if, you know, you are obviously traveling or moving and stuff.","start":922.10004,"end":938.79,"sentiment":"neutral","sentiment_score":0.15526851216474405}],"sentiment":"neutral","sentiment_score":0.11066066812690314,"num_words":111,"start":904.91504,"end":938.79},{"sentences":[{"text":"It sometimes can get lost.","start":938.94995,"end":940.63,"sentiment":"neutral","sentiment_score":-0.09668559432029725},{"text":"That way, we have it on file along with your beneficiary nomination and, obviously, everything else.","start":940.63,"end":945.93,"sentiment":"neutral","sentiment_score":0.12380579859018326},{"text":"So if something were to happen, we have everything in one 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Emma?","start":955.205,"end":957.625,"sentiment":"neutral","sentiment_score":0.042378406040370464},{"text":"Yes.","start":958.005,"end":958.40497,"sentiment":"neutral","sentiment_score":0.0660950094461441},{"text":"Yeah.","start":958.40497,"end":958.90497,"sentiment":"neutral","sentiment_score":0.036444876343011856},{"text":"Yes.","start":964.66003,"end":965.16003,"sentiment":"neutral","sentiment_score":0.07801961898803711},{"text":"Yes.","start":967.06,"end":967.56,"sentiment":"neutral","sentiment_score":0.06973632425069809}],"sentiment":"neutral","sentiment_score":0.049110256445904575,"num_words":12,"start":955.205,"end":967.56},{"sentences":[{"text":"Yes.","start":967.62,"end":967.94,"sentiment":"neutral","sentiment_score":0.07156653702259064},{"text":"Correct.","start":967.94,"end":968.44,"sentiment":"neutral","sentiment_score":0.09129981696605682},{"text":"Any chance of sending it, yeah, to us.","start":968.5,"end":970.68,"sentiment":"neutral","sentiment_score":0.05811997689306736},{"text":"With having the will in place on your sorry.","start":971.14,"end":973.86,"sentiment":"neutral","sentiment_score":0.026601792830559943},{"text":"With having your legal personal representative on the form as well, it does make it easy if your situation ever changed and you wanna update your will.","start":973.86,"end":981.545,"sentiment":"positive","sentiment_score":0.3819195528825124}],"sentiment":"neutral","sentiment_score":0.24302326592252307,"num_words":46,"start":967.62,"end":981.545},{"sentences":[{"text":"You don't have to update these forms because it just does it goes to your will.","start":981.545,"end":985.145,"sentiment":"neutral","sentiment_score":0.22761898301541805},{"text":"And then in your will, you can stipulate how you want it, or you can even have, you know, first person this.","start":985.145,"end":991.005,"sentiment":"neutral","sentiment_score":0.13787985559214244},{"text":"If something were to happen and that person's no longer, then I want this.","start":991.25,"end":994.52997,"sentiment":"neutral","sentiment_score":0.0993965310709817},{"text":"Like, it gives you a bit more flexibility with how to structure it, whereas, yeah, directly on the form, it's just choosing, you know, a couple of options, and it's quite limited in the box where you can fit it into.","start":994.52997,"end":1005.58997,"sentiment":"neutral","sentiment_score":0.059521944398378455},{"text":"Yep.","start":1007.085,"end":1007.585,"sentiment":"neutral","sentiment_score":0.1214352399110794}],"sentiment":"neutral","sentiment_score":0.1130707121969379,"num_words":94,"start":981.545,"end":1007.585},{"sentences":[{"text":"Alright.","start":1007.885,"end":1008.205,"sentiment":"neutral","sentiment_score":0.23883908987045288},{"text":"And like I said, if you do complete if if you do decide to do the post office, you're more than welcome to just email me a copy, and I can always, yeah, keep it keep it on file for you.","start":1008.205,"end":1016.945,"sentiment":"neutral","sentiment_score":0.24637168318760105},{"text":"Yeah.","start":1018.62,"end":1019.12,"sentiment":"neutral","sentiment_score":0.24290919303894043},{"text":"Yeah.","start":1019.66,"end":1020.16,"sentiment":"neutral","sentiment_score":0.21609675884246823},{"text":"And, also, let someone know where you have a copy, but, yeah, we can always keep a copy on file if we keep all your other financial records.","start":1020.77997,"end":1027.34,"sentiment":"neutral","sentiment_score":0.2809547877737454}],"sentiment":"neutral","sentiment_score":0.2592474737515052,"num_words":72,"start":1007.885,"end":1027.34},{"sentences":[{"text":"So sometimes it is easier to keep it all together, and then that way, you know, just obviously let family stuff know that if something ever were to happen, give them our contact details, and then we have everything sorted.","start":1027.34,"end":1038.7151,"sentiment":"neutral","sentiment_score":0.3267276603728533},{"text":"Yep.","start":1040.2151,"end":1040.6151,"sentiment":"neutral","sentiment_score":0.2788659334182739},{"text":"Perfect.","start":1040.6151,"end":1041.1151,"sentiment":"positive","sentiment_score":0.532020092010498},{"text":"Now let me see here.","start":1042.295,"end":1043.9951,"sentiment":"neutral","sentiment_score":0.20575405955314635},{"text":"Any other changes otherwise for you?","start":1044.295,"end":1047.4501,"sentiment":"neutral","sentiment_score":0.05492674062649409}],"sentiment":"neutral","sentiment_score":0.2875155317333509,"num_words":53,"start":1027.34,"end":1047.4501},{"sentences":[{"text":"Health and lifestyle, any changes, or that's kind of all the same?","start":1047.4501,"end":1050.51,"sentiment":"neutral","sentiment_score":0.07307393041749795},{"text":"No.","start":1052.5701,"end":1053.0701,"sentiment":"neutral","sentiment_score":-0.1527642011642456},{"text":"Mhmm.","start":1056.49,"end":1056.99,"sentiment":"neutral","sentiment_score":-0.03681008517742157},{"text":"Not really.","start":1059.545,"end":1060.285,"sentiment":"neutral","sentiment_score":-0.08948326110839844},{"text":"Yeah.","start":1063.545,"end":1063.785,"sentiment":"neutral","sentiment_score":0.1105639636516571}],"sentiment":"neutral","sentiment_score":0.03640648941783344,"num_words":17,"start":1047.4501,"end":1063.785},{"sentences":[{"text":"Beautiful.","start":1063.785,"end":1064.285,"sentiment":"positive","sentiment_score":0.35507673025131226},{"text":"But no, like, significant health issues or injuries or surgeries or anything.","start":1064.905,"end":1070.105,"sentiment":"neutral","sentiment_score":-0.1276378622278571},{"text":"That's beautiful.","start":1070.105,"end":1070.925,"sentiment":"positive","sentiment_score":0.5318921208381653},{"text":"And I guess when it comes to goals for yourself, because you have now achieved what you were looking at in the next couple of years, which is to buy the property.","start":1072.31,"end":1079.69,"sentiment":"positive","sentiment_score":0.40523494500666857},{"text":"And then I think you also, when we spoke last, had a a snowboard trip planned for Japan as well, I believe.","start":1081.03,"end":1088.2051,"sentiment":"neutral","sentiment_score":0.06114809096536853}],"sentiment":"neutral","sentiment_score":0.20579685313978058,"num_words":69,"start":1063.785,"end":1088.2051},{"sentences":[{"text":"Oh, how was it?","start":1089.9451,"end":1091.165,"sentiment":"positive","sentiment_score":0.43574124574661255},{"text":"I can imagine.","start":1092.9851,"end":1093.9651,"sentiment":"positive","sentiment_score":0.7216517726580302},{"text":"And was that snowboarding for the first time?","start":1094.425,"end":1096.6051,"sentiment":"neutral","sentiment_score":0.2225799784064293},{"text":"Yeah.","start":1097.85,"end":1098.3301,"sentiment":"neutral","sentiment_score":0.1553146243095398},{"text":"Oh, nice.","start":1098.3301,"end":1098.81,"sentiment":"neutral","sentiment_score":0.29071560502052307}],"sentiment":"positive","sentiment_score":0.3569614423645867,"num_words":18,"start":1089.9451,"end":1098.81},{"sentences":[{"text":"And did you go okay?","start":1098.81,"end":1100.11,"sentiment":"neutral","sentiment_score":0.13057580292224885},{"text":"It's harder than you think.","start":1103.05,"end":1104.51,"sentiment":"neutral","sentiment_score":-0.17243993282318115},{"text":"Yeah.","start":1106.17,"end":1106.5701,"sentiment":"neutral","sentiment_score":0.04669315740466118},{"text":"Oh, nice.","start":1106.5701,"end":1107.31,"sentiment":"neutral","sentiment_score":0.1390419751405716},{"text":"So I guess, like, with the next twelve months or so, what would be your your main focus or your main goal?","start":1107.6901,"end":1115.5549,"sentiment":"neutral","sentiment_score":-0.025879737413065}],"sentiment":"neutral","sentiment_score":-0.012968507568751063,"num_words":35,"start":1098.81,"end":1115.5549},{"sentences":[{"text":"Obviously, settling in through the property and job and everything, but do you have any other kind of financial goals that you are working towards or just to kind of build up your savings?","start":1116.255,"end":1124.9149,"sentiment":"neutral","sentiment_score":0.010681820307474802},{"text":"Yep.","start":1128.55,"end":1129.05,"sentiment":"neutral","sentiment_score":0.15942488610744476},{"text":"Yep.","start":1129.99,"end":1130.49,"sentiment":"neutral","sentiment_score":0.17742210626602173},{"text":"Yep.","start":1132.87,"end":1133.37,"sentiment":"neutral","sentiment_score":0.13795307278633118},{"text":"Yeah.","start":1137.685,"end":1137.925,"sentiment":"neutral","sentiment_score":0.05868595838546753}],"sentiment":"neutral","sentiment_score":0.023596524052616013,"num_words":38,"start":1116.255,"end":1137.925},{"sentences":[{"text":"No.","start":1137.925,"end":1138.245,"sentiment":"neutral","sentiment_score":0.10645662993192671},{"text":"Perfect.","start":1138.245,"end":1138.745,"sentiment":"neutral","sentiment_score":0.30526861548423767},{"text":"That's good.","start":1138.885,"end":1139.785,"sentiment":"neutral","sentiment_score":0.32795989513397217},{"text":"Now any other changes otherwise before I move on to the next thing, Emma?","start":1141.525,"end":1146.025,"sentiment":"neutral","sentiment_score":0.03156047301100833},{"text":"That's all good.","start":1148.645,"end":1149.365,"sentiment":"neutral","sentiment_score":0.09507674723863602}],"sentiment":"neutral","sentiment_score":0.08546294759781588,"num_words":21,"start":1137.925,"end":1149.365},{"sentences":[{"text":"Okay.","start":1149.365,"end":1149.765,"sentiment":"neutral","sentiment_score":0.13898971676826477},{"text":"Perfect.","start":1149.765,"end":1150.265,"sentiment":"neutral","sentiment_score":0.1990551650524139},{"text":"So the other thing is just to kind of quickly go through, it's another risk profile questionnaire, but it is a lot shorter than the one we did last time.","start":1151.39,"end":1159.01,"sentiment":"neutral","sentiment_score":0.008436884668966135},{"text":"Just to see if there is anything that's changed in terms of your risk allocation, how you feel about markets, or anything like that.","start":1159.71,"end":1167.2949,"sentiment":"neutral","sentiment_score":-0.029342599135513108},{"text":"Again, multiple choice to make it nice and easy, and you might recognize some of the questions.","start":1167.835,"end":1171.9349,"sentiment":"neutral","sentiment_score":0.06428420006790582}],"sentiment":"neutral","sentiment_score":0.0134213759423527,"num_words":73,"start":1149.365,"end":1171.9349},{"sentences":[{"text":"But if not, just let me know if it doesn't make sense.","start":1171.995,"end":1174.735,"sentiment":"neutral","sentiment_score":-0.12949009332805872},{"text":"Now the the first question here is in regards to, how much risk you're willing to take for your superannuation.","start":1176.97,"end":1183.47,"sentiment":"neutral","sentiment_score":-0.07851560357958079},{"text":"So, obviously, super is that long term.","start":1184.41,"end":1186.57,"sentiment":"neutral","sentiment_score":-0.060251916625670025},{"text":"At the moment, you can't access it until you settle 60 if you stop working, but you do have plenty of time.","start":1186.57,"end":1192.555,"sentiment":"neutral","sentiment_score":-0.057731791992079125},{"text":"But in terms of how much risk you're willing to take.","start":1193.015,"end":1195.835,"sentiment":"neutral","sentiment_score":-0.06241635402495211}],"sentiment":"neutral","sentiment_score":-0.07642549897233646,"num_words":72,"start":1171.995,"end":1195.835},{"sentences":[{"text":"So would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start":1195.895,"end":1204.395,"sentiment":"neutral","sentiment_score":0.018096238064269226},{"text":"Yep.","start":1209.16,"end":1209.48,"sentiment":"neutral","sentiment_score":0.16215163469314575},{"text":"Okay.","start":1209.48,"end":1209.9601,"sentiment":"neutral","sentiment_score":0.3198609948158264},{"text":"Perfect.","start":1209.9601,"end":1210.4601,"sentiment":"positive","sentiment_score":0.5020545125007629},{"text":"And in terms of volatility, so it's a fluctuations.","start":1212.4401,"end":1215.74,"sentiment":"neutral","sentiment_score":0.06398505748560031}],"sentiment":"neutral","sentiment_score":0.0553956214700722,"num_words":36,"start":1195.895,"end":1215.74},{"sentences":[{"text":"So we're obviously seeing quite a bit of fluctuations in the last twelve months.","start":1216.68,"end":1220.295,"sentiment":"neutral","sentiment_score":-0.0260575053149036},{"text":"First, we had everything, obviously, over in The US with Trump and tariffs and everything, and more recently, the war as well.","start":1221.255,"end":1229.5751,"sentiment":"neutral","sentiment_score":-0.05863296181302179},{"text":"So the last twelve months have been a little bit more turbulent.","start":1229.5751,"end":1232.3151,"sentiment":"neutral","sentiment_score":-0.11099942463139693},{"text":"We have seen a bit of that fluctuation, but a lot of that too was due to general trends in the market.","start":1232.375,"end":1239.32,"sentiment":"neutral","sentiment_score":-0.11268374865705316},{"text":"So not like one particular investment.","start":1239.32,"end":1241.08,"sentiment":"neutral","sentiment_score":-0.1445710820456346}],"sentiment":"neutral","sentiment_score":-0.08333147753422197,"num_words":76,"start":1216.68,"end":1241.08},{"sentences":[{"text":"It's just what is happening in in the world, basically.","start":1241.08,"end":1243.82,"sentiment":"neutral","sentiment_score":-0.10988291278481484},{"text":"So in that scenario, if you ever notice a portfolio going down by 20% due to the general trends in the market and the world.","start":1244.5199,"end":1253.605,"sentiment":"neutral","sentiment_score":-0.07016045860946178},{"text":"Would you, if you had the option to do so, think that, well, now is potentially a good time to invest a little bit more while the prices are down.","start":1254.145,"end":1261.845,"sentiment":"neutral","sentiment_score":0.09918907458583513},{"text":"Would you be a bit more neutral or just kind of hold and wait to see what happens?","start":1262.5,"end":1266.6,"sentiment":"neutral","sentiment_score":-0.008479280397295952},{"text":"Or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped?","start":1267.22,"end":1273.32,"sentiment":"neutral","sentiment_score":-0.04664781025570372}],"sentiment":"neutral","sentiment_score":-0.010402783382473127,"num_words":106,"start":1241.08,"end":1273.32},{"sentences":[{"text":"Invest.","start":1276.755,"end":1277.235,"sentiment":"neutral","sentiment_score":0.022070258855819706},{"text":"Yeah.","start":1277.235,"end":1277.475,"sentiment":"neutral","sentiment_score":0.046220265328884125},{"text":"And would you say invest heavily or just kind of modestly?","start":1277.475,"end":1280.535,"sentiment":"neutral","sentiment_score":0.04237211698835546},{"text":"Yeah.","start":1288.93,"end":1289.43,"sentiment":"neutral","sentiment_score":0.006678076460957527},{"text":"Yeah.","start":1289.57,"end":1289.65,"sentiment":"neutral","sentiment_score":0.00407315231859684}],"sentiment":"neutral","sentiment_score":0.036342335989077885,"num_words":15,"start":1276.755,"end":1289.65},{"sentences":[{"text":"A little bit.","start":1289.65,"end":1290.29,"sentiment":"neutral","sentiment_score":-0.019666078810890514},{"text":"Just just not everything.","start":1290.29,"end":1291.59,"sentiment":"neutral","sentiment_score":-0.03038378804922104},{"text":"Okay.","start":1291.65,"end":1292.15,"sentiment":"neutral","sentiment_score":0.11269132047891615},{"text":"Perfect.","start":1292.21,"end":1292.71,"sentiment":"neutral","sentiment_score":0.20635437965393064},{"text":"And in in terms of fluctuations again, so if you obviously notice some some investment fluctuates and go down, how would that make you feel?","start":1294.37,"end":1304.8151,"sentiment":"neutral","sentiment_score":0.10388944268226624}],"sentiment":"neutral","sentiment_score":0.08046318760470432,"num_words":34,"start":1289.65,"end":1304.8151},{"sentences":[{"text":"Would you say optimistic about potential future opportunities?","start":1305.1951,"end":1309.135,"sentiment":"neutral","sentiment_score":0.16926107928156853},{"text":"Again, a bit more neutral, not making further investments.","start":1310.4751,"end":1313.4551,"sentiment":"neutral","sentiment_score":-0.013185857070816888},{"text":"Concerned or highly anxious?","start":1314.57,"end":1316.51,"sentiment":"neutral","sentiment_score":-0.1599375382065773},{"text":"Optimistic.","start":1318.6499,"end":1319.1499,"sentiment":"neutral","sentiment_score":0.2214501351118088},{"text":"Yep.","start":1320.49,"end":1320.97,"sentiment":"neutral","sentiment_score":0.1309841424226761}],"sentiment":"neutral","sentiment_score":0.04122174110101617,"num_words":23,"start":1305.1951,"end":1320.97},{"sentences":[{"text":"Perfect.","start":1320.97,"end":1321.47,"sentiment":"neutral","sentiment_score":0.2544799745082855},{"text":"And the last one here is, would you ever consider taking out a loan to borrow full stocks or funds?","start":1321.9299,"end":1328.99,"sentiment":"neutral","sentiment_score":0.030975650250911712},{"text":"No.","start":1330.615,"end":1331.115,"sentiment":"neutral","sentiment_score":-0.0879536122083664},{"text":"Would you ever consider taking out a loan to buy an investment property?","start":1331.495,"end":1334.635,"sentiment":"neutral","sentiment_score":-0.021895706940155763},{"text":"Mhmm.","start":1337.8151,"end":1338.295,"sentiment":"neutral","sentiment_score":0.016624512150883675}],"sentiment":"neutral","sentiment_score":0.014389435812417004,"num_words":36,"start":1320.97,"end":1338.295},{"sentences":[{"text":"Okay.","start":1338.295,"end":1338.775,"sentiment":"positive","sentiment_score":0.3499956727027893},{"text":"Perfect.","start":1338.775,"end":1339.275,"sentiment":"positive","sentiment_score":0.6520222425460815},{"text":"Now that tells me here, Emma, that you have come out as a high growth investor, which is the portfolio we currently have you invested in.","start":1340.775,"end":1348.75,"sentiment":"neutral","sentiment_score":0.25196945667266846},{"text":"Do you remember what it means to be a high growth investor at all?","start":1349.37,"end":1352.91,"sentiment":"neutral","sentiment_score":0.12883117848208972},{"text":"Yeah.","start":1361.865,"end":1362.345,"sentiment":"neutral","sentiment_score":0.14429056644439697}],"sentiment":"neutral","sentiment_score":0.22095699660306753,"num_words":43,"start":1338.295,"end":1362.345},{"sentences":[{"text":"Basically.","start":1362.345,"end":1362.845,"sentiment":"neutral","sentiment_score":0.11302485316991806},{"text":"So it's you're obviously trying to grow your super as much as possible while you do have plenty of time.","start":1362.985,"end":1368.2849,"sentiment":"neutral","sentiment_score":0.27001018524169923},{"text":"Short term, there will be some some ups and downs and market fluctuations in order to try to achieve long term growth.","start":1369.3849,"end":1377.31,"sentiment":"neutral","sentiment_score":0.02611281316388737},{"text":"And when it comes through the asset allocation, we do look about 90% in those growth assets.","start":1378.01,"end":1385.55,"sentiment":"neutral","sentiment_score":0.1393004265778205},{"text":"So, like, Australian shares, international shares, property, and commodities.","start":1385.685,"end":1389.305,"sentiment":"neutral","sentiment_score":0.23054472439818913}],"sentiment":"neutral","sentiment_score":0.15261913360892862,"num_words":69,"start":1362.345,"end":1389.305},{"sentences":[{"text":"And that is what's going to maximize those returns for you and about 10% in defensive.","start":1390.0851,"end":1395.385,"sentiment":"positive","sentiment_score":0.42512007150799036},{"text":"So, like, your cash, your gold, your fixed interest, limit fluctuations a little bit.","start":1396.405,"end":1401.09,"sentiment":"neutral","sentiment_score":0.21800153170313155},{"text":"Now are you still driving, or do you have access to your emails?","start":1402.0499,"end":1405.35,"sentiment":"neutral","sentiment_score":0.019929578384527795},{"text":"Yeah.","start":1409.73,"end":1410.0499,"sentiment":"neutral","sentiment_score":0.1216343641281128},{"text":"Okay.","start":1410.0499,"end":1410.37,"sentiment":"neutral","sentiment_score":0.2101229578256607}],"sentiment":"neutral","sentiment_score":0.2321063206427627,"num_words":45,"start":1390.0851,"end":1410.37},{"sentences":[{"text":"Perfect.","start":1410.37,"end":1410.87,"sentiment":"positive","sentiment_score":0.36909568309783936},{"text":"If you would be able to jump into your email, I have just sent you some documents to go through.","start":1411.33,"end":1418.8949,"sentiment":"neutral","sentiment_score":0.1496918635442853},{"text":"And one of them actually kind of fits into while we are talking about this just to kind of show you.","start":1419.115,"end":1425.215,"sentiment":"neutral","sentiment_score":0.12787378224588575},{"text":"Now we have changed the software recently as well, so it might look a little bit different to last time.","start":1425.5149,"end":1433.0,"sentiment":"neutral","sentiment_score":-0.0014856591820716857},{"text":"But let me know if that email came through.","start":1433.7,"end":1436.36,"sentiment":"neutral","sentiment_score":0.033971318354209266}],"sentiment":"neutral","sentiment_score":0.0890748036999098,"num_words":71,"start":1410.37,"end":1436.36},{"sentences":[{"text":"Okay.","start":1439.06,"end":1439.56,"sentiment":"neutral","sentiment_score":0.04136902838945389},{"text":"Yep.","start":1441.38,"end":1441.78,"sentiment":"neutral","sentiment_score":0.0521274134516716},{"text":"So before you click on the link process sign now, can you see a couple of attachments at the bottom of that email?","start":1441.78,"end":1448.3551,"sentiment":"neutral","sentiment_score":0.03965590003391971},{"text":"Yes.","start":1451.055,"end":1451.555,"sentiment":"neutral","sentiment_score":0.06242833286523819},{"text":"So if you can you see one where it says 2025 Vanguard index chart?","start":1451.6151,"end":1456.5951,"sentiment":"neutral","sentiment_score":0.04650638997554779}],"sentiment":"neutral","sentiment_score":0.04297749837860465,"num_words":40,"start":1439.06,"end":1456.5951},{"sentences":[{"text":"Yep.","start":1458.11,"end":1458.4299,"sentiment":"neutral","sentiment_score":0.0634002685546875},{"text":"If you can open that one for me.","start":1458.4299,"end":1460.13,"sentiment":"neutral","sentiment_score":0.0706458487547934},{"text":"Yep.","start":1461.63,"end":1462.0299,"sentiment":"neutral","sentiment_score":0.13038861751556396},{"text":"Perfect.","start":1462.0299,"end":1462.5299,"sentiment":"positive","sentiment_score":0.388913631439209},{"text":"Now this is kind of good while we are talking about your risk allocation and the portfolio.","start":1462.99,"end":1468.45,"sentiment":"neutral","sentiment_score":0.1903032239745645}],"sentiment":"neutral","sentiment_score":0.15653657553983585,"num_words":28,"start":1458.11,"end":1468.45},{"sentences":[{"text":"Have you ever seen something like this before?","start":1469.71,"end":1471.57,"sentiment":"neutral","sentiment_score":0.04160261247307062},{"text":"No.","start":1472.975,"end":1473.475,"sentiment":"neutral","sentiment_score":-0.06587637960910797},{"text":"So it is a good visual representation of what we are typically talking about when we are talking about the market.","start":1474.095,"end":1480.0349,"sentiment":"neutral","sentiment_score":0.10996093813862119},{"text":"And it's often good to see and Vanguard is really good.","start":1480.735,"end":1483.215,"sentiment":"positive","sentiment_score":0.6866348819299177},{"text":"They update this on a yearly basis to kind of show the different trends.","start":1483.215,"end":1487.75,"sentiment":"neutral","sentiment_score":0.2270976932985442}],"sentiment":"neutral","sentiment_score":0.24197228415445848,"num_words":55,"start":1469.71,"end":1487.75},{"sentences":[{"text":"So this one here, you can see dates back to 1995, and then all the ups and downs and all the the world stuff that's happened until 2025.","start":1487.75,"end":1497.13,"sentiment":"neutral","sentiment_score":0.06262135432500925},{"text":"Yeah.","start":1498.745,"end":1499.145,"sentiment":"neutral","sentiment_score":0.16665631532669067},{"text":"So it is good.","start":1499.145,"end":1500.1051,"sentiment":"positive","sentiment_score":0.46511853486299515},{"text":"You can kind of see here, though, that long term market always goes up.","start":1500.1051,"end":1504.185,"sentiment":"neutral","sentiment_score":0.02654076979628631},{"text":"Every single asset class goes up long term.","start":1504.185,"end":1506.925,"sentiment":"neutral","sentiment_score":-0.0011670766398310661}],"sentiment":"neutral","sentiment_score":0.07532295527105981,"num_words":55,"start":1487.75,"end":1506.925},{"sentences":[{"text":"Short term will be ups and downs and market fluctuations depending on what is happening in the world.","start":1507.625,"end":1513.26,"sentiment":"neutral","sentiment_score":-0.06948807690706518},{"text":"So you can even see, you know, COVID.","start":1515.34,"end":1517.5,"sentiment":"neutral","sentiment_score":-0.02624593093059957},{"text":"You can see that things took a pretty pretty big dip, but it comes back around pretty quickly.","start":1517.5,"end":1523.74,"sentiment":"neutral","sentiment_score":-0.04025106421775288},{"text":"And often when you see statistically as well when we we have those people that, you know, are trying to time the market, we typically say that, you know, not trying to time the market, and what matters more is actually the time in the market.","start":1523.74,"end":1536.3049,"sentiment":"neutral","sentiment_score":-0.03670633009270481},{"text":"Because often what we see as well that the biggest drops, which you can kind of see here on the graph, are very closely followed by pretty quickly come back around.","start":1536.845,"end":1546.7,"sentiment":"neutral","sentiment_score":-0.12156967746634637}],"sentiment":"neutral","sentiment_score":-0.06316052209431967,"num_words":121,"start":1507.625,"end":1546.7},{"sentences":[{"text":"So if you then, while things are going down, get quite nervous and sell out, you often then kind of miss out on the potential growth as long as you have the time behind you.","start":1547.0,"end":1558.265,"sentiment":"neutral","sentiment_score":-0.1850357609135764},{"text":"So this also comes good, and the time frame comes good as well.","start":1558.645,"end":1562.5651,"sentiment":"positive","sentiment_score":0.33852791556945216},{"text":"So the closer you get to retirement, obviously, the less time you have for those fluctuations.","start":1562.5651,"end":1566.585,"sentiment":"neutral","sentiment_score":0.01956578018143773},{"text":"And that's when we want to start shifting some of the growth into defensive to kind of stabilize things a little bit for you.","start":1567.3999,"end":1574.36,"sentiment":"neutral","sentiment_score":-0.016510285902768373},{"text":"Because if you wanna access your money tomorrow, I don't want that to be a dip right then.","start":1574.36,"end":1578.62,"sentiment":"neutral","sentiment_score":0.00013536483877234912}],"sentiment":"neutral","sentiment_score":-0.020341005106017274,"num_words":106,"start":1547.0,"end":1578.62},{"sentences":[{"text":"But, basically, the the high growth portfolio, 90% is those top four.","start":1579.08,"end":1585.195,"sentiment":"neutral","sentiment_score":0.17508325725793839},{"text":"So you can see those graphs grow the most.","start":1585.575,"end":1588.0549,"sentiment":"neutral","sentiment_score":0.18887728369898266},{"text":"So you can even see in 1995, The US shares was 10,000.","start":1588.0549,"end":1592.715,"sentiment":"neutral","sentiment_score":0.09408619068562984},{"text":"Today, 214,330 2.","start":1593.2,"end":1596.74,"sentiment":"neutral","sentiment_score":0.0526260199646155},{"text":"So massive difference, but also during that time, it seems the biggest amount of fluctuation.","start":1597.12,"end":1602.02,"sentiment":"neutral","sentiment_score":-0.1385886957248052}],"sentiment":"neutral","sentiment_score":0.05899954024775356,"num_words":51,"start":1579.08,"end":1602.02},{"sentences":[{"text":"And then, yeah, 10% in those defensive, which you can see hasn't grown near as much, but they're a lot more stable.","start":1604.32,"end":1609.865,"sentiment":"neutral","sentiment_score":0.1869699660349976},{"text":"Does that make sense?","start":1611.365,"end":1612.505,"sentiment":"neutral","sentiment_score":0.18707923963665962},{"text":"Yep.","start":1614.0851,"end":1614.405,"sentiment":"neutral","sentiment_score":0.11780454963445663},{"text":"Yep.","start":1614.405,"end":1614.905,"sentiment":"neutral","sentiment_score":0.13235056400299072},{"text":"Now when we are looking at a time frame for a high growth portfolio, we like to ideally see about eight years until retirement to making sure you have enough time for those fluctuations.","start":1615.685,"end":1627.04,"sentiment":"neutral","sentiment_score":0.13960836192264275}],"sentiment":"neutral","sentiment_score":0.15900799403748206,"num_words":62,"start":1604.32,"end":1627.04},{"sentences":[{"text":"So from a time frame point of view, you you definitely have the eight years behind you as long as you are comfortable with the level of risk and stuff in a high growth portfolio.","start":1627.5,"end":1638.295,"sentiment":"neutral","sentiment_score":0.11682463032858713},{"text":"Is that something you're still comfortable with?","start":1638.435,"end":1640.615,"sentiment":"neutral","sentiment_score":0.13220964691468648},{"text":"Yep.","start":1643.0751,"end":1643.395,"sentiment":"neutral","sentiment_score":0.14963844418525696},{"text":"Yep.","start":1643.395,"end":1643.635,"sentiment":"neutral","sentiment_score":0.25163736939430237},{"text":"Perfect.","start":1643.635,"end":1644.135,"sentiment":"positive","sentiment_score":0.5503573417663574}],"sentiment":"neutral","sentiment_score":0.13257694989442825,"num_words":45,"start":1627.5,"end":1644.135},{"sentences":[{"text":"So if at any point in time anything does change, just let me know.","start":1644.435,"end":1648.1951,"sentiment":"neutral","sentiment_score":0.23187121003866196},{"text":"It doesn't have to be at a review point.","start":1648.1951,"end":1650.15,"sentiment":"neutral","sentiment_score":0.09916999604966906},{"text":"But, yeah, often clients in similar ages to yourself, we see in high growth, if not even more, you're aggressive as well because you have the time.","start":1651.03,"end":1658.09,"sentiment":"neutral","sentiment_score":0.10796806630161074},{"text":"But it also comes down to, obviously, your risk capacity and stuff like that.","start":1658.15,"end":1661.67,"sentiment":"neutral","sentiment_score":-0.00009178104145186288},{"text":"Because I also, at the same time, have some clients who are, you know, early twenties that's super, super conservative.","start":1661.67,"end":1667.085,"sentiment":"neutral","sentiment_score":0.05773212313652039}],"sentiment":"neutral","sentiment_score":0.09770502646764119,"num_words":84,"start":1644.435,"end":1667.085},{"sentences":[{"text":"And if something fluctuates, they get really worried.","start":1667.225,"end":1669.485,"sentiment":"neutral","sentiment_score":-0.08710219943895936},{"text":"But on the flip side, I also have someone who is, like, 65, 70 that goes, no.","start":1669.945,"end":1674.505,"sentiment":"neutral","sentiment_score":0.01198695249417249},{"text":"I'm comfortable with that.","start":1674.505,"end":1675.865,"sentiment":"neutral","sentiment_score":0.11303829401731491},{"text":"So time does play a big role, but also how you feel and how you would react in certain situation also plays it.","start":1675.865,"end":1682.91,"sentiment":"neutral","sentiment_score":0.0975852589244428},{"text":"Yep.","start":1684.09,"end":1684.57,"sentiment":"neutral","sentiment_score":0.14688926935195923}],"sentiment":"neutral","sentiment_score":0.04434837731269171,"num_words":53,"start":1667.225,"end":1684.57},{"sentences":[{"text":"Perfect.","start":1684.57,"end":1685.07,"sentiment":"neutral","sentiment_score":0.2953297197818756},{"text":"Now while we are on the email, let me see here.","start":1685.85,"end":1690.75,"sentiment":"neutral","sentiment_score":0.08154669505628673},{"text":"Can you also see the next one where it says twelve month hub 24 portfolio performance report?","start":1691.9451,"end":1700.205,"sentiment":"neutral","sentiment_score":0.07837889781769584},{"text":"Can you see that?","start":1700.265,"end":1701.0651,"sentiment":"neutral","sentiment_score":0.06113887298852205},{"text":"Yep.","start":1701.0651,"end":1701.385,"sentiment":"neutral","sentiment_score":0.06939022988080978}],"sentiment":"neutral","sentiment_score":0.08349206912166932,"num_words":34,"start":1684.57,"end":1701.385},{"sentences":[{"text":"Perfect.","start":1701.385,"end":1701.885,"sentiment":"neutral","sentiment_score":0.2052287459373474},{"text":"Yes.","start":1704.6,"end":1705.0801,"sentiment":"neutral","sentiment_score":0.06400968134403229},{"text":"Yeah.","start":1705.0801,"end":1705.4,"sentiment":"neutral","sentiment_score":0.04496123269200325},{"text":"Internal rate of return.","start":1705.4,"end":1707.0,"sentiment":"neutral","sentiment_score":0.05423792451620102},{"text":"So this one here might look a little bit messy.","start":1707.0,"end":1710.3,"sentiment":"neutral","sentiment_score":0.024844997189939023}],"sentiment":"neutral","sentiment_score":0.04585890176103396,"num_words":17,"start":1701.385,"end":1710.3},{"sentences":[{"text":"It sometimes does, but it does show you all your portfolio.","start":1710.36,"end":1713.8201,"sentiment":"neutral","sentiment_score":0.1287358118729158},{"text":"It shows you what's happened in the last twelve months, and it shows you everything after fees.","start":1714.76,"end":1721.4049,"sentiment":"neutral","sentiment_score":0.1099880806663457},{"text":"So on here, you can see all your individual investments and how they have performed.","start":1721.4049,"end":1726.7849,"sentiment":"neutral","sentiment_score":0.17919913281997044},{"text":"So kind of like we touched on the last twelve months, we have seen quite a bit of fluctuation.","start":1726.845,"end":1731.585,"sentiment":"neutral","sentiment_score":-0.06375603593493763},{"text":"Despite that, though, your portfolio is still positive, which is good, because it has, yeah, been a bit volatile.","start":1733.08,"end":1739.8999,"sentiment":"neutral","sentiment_score":0.3101984923215289}],"sentiment":"neutral","sentiment_score":0.13155907364907088,"num_words":81,"start":1710.36,"end":1739.8999},{"sentences":[{"text":"So it is still up by about 3.93.","start":1740.2799,"end":1744.1399,"sentiment":"neutral","sentiment_score":0.2664722576737404},{"text":"Now, obviously, ideally, we would like to see it a bit higher, but it's not unexpected for what's happened in the market, especially during the, you know, periods of volatility and mixed performance across different sectors.","start":1744.805,"end":1757.385,"sentiment":"neutral","sentiment_score":0.04770924073333541},{"text":"What is more important is that the portfolio was designed to be diversified.","start":1758.13,"end":1763.51,"sentiment":"neutral","sentiment_score":0.23699146279921898},{"text":"So rather than relying on one particular market or, like, a theme, the diversification help reduce the overall volatility, but then also kind of protect capital during weaker periods in certain areas.","start":1764.45,"end":1777.355,"sentiment":"neutral","sentiment_score":0.17414772894699126},{"text":"So when we do look at the individual investment, we can see that the strongest contributors to your portfolio is your gold, which was up by about 25%, which was pretty crazy, which also obviously benefited from that kind of ongoing geopolitical uncertainty and also, like, the inflation concerns we've had.","start":1777.415,"end":1799.175,"sentiment":"neutral","sentiment_score":0.28013692942320134}],"sentiment":"neutral","sentiment_score":0.1913565033647631,"num_words":140,"start":1740.2799,"end":1799.175},{"sentences":[{"text":"You can also see that the iShares S and P five hundred was a strong contributor as well, which was supported by the continued strength in the large US companies.","start":1800.4551,"end":1810.9551,"sentiment":"neutral","sentiment_score":0.24747597525517145},{"text":"But then also the global infrastructure and thematic exposures added a lot of that stability and diversification to your portfolio.","start":1812.07,"end":1819.45,"sentiment":"neutral","sentiment_score":0.20487785413861276},{"text":"So overall, the portfolio has still held up pretty well given what's happened in the market, But it is something we always wanna continue through to research because things are always changing, and we do a lot of research on the investments.","start":1820.1499,"end":1834.325,"sentiment":"neutral","sentiment_score":0.18854969243208566},{"text":"And if we foresee one investment not being like a cyclical trend at the moment and there's something a bit more going on, we wanna look at potentially changing that.","start":1834.325,"end":1844.42,"sentiment":"neutral","sentiment_score":-0.01119918997089068},{"text":"Now there is one of the investments in your portfolio that I would like to do that with if you are happy with that, and that is your Benelon Australian equity.","start":1845.12,"end":1854.635,"sentiment":"neutral","sentiment_score":0.21659393704706623}],"sentiment":"neutral","sentiment_score":0.1687539854373028,"num_words":153,"start":1800.4551,"end":1854.635},{"sentences":[{"text":"So that one was was one of the contributor through in not growing as much.","start":1855.655,"end":1859.915,"sentiment":"neutral","sentiment_score":0.07893458406130473},{"text":"And the one of the reason is that it was added to your portfolio because it was one of the best performing fund managers, and they've done really well.","start":1860.375,"end":1867.94,"sentiment":"positive","sentiment_score":0.4098321006729685},{"text":"More recently, they've been a little bit slower with making their investment choices.","start":1868.96,"end":1873.62,"sentiment":"negative","sentiment_score":-0.36667983807050264},{"text":"And then one of the investments that they actually had in their portfolio was the Corporate Travel Group.","start":1875.04,"end":1881.565,"sentiment":"neutral","sentiment_score":-0.058599620333148375},{"text":"And I'm not sure if you read or heard anything about it, but that company had a bit of issues with their reporting, which actually put everything on pause.","start":1881.565,"end":1889.345,"sentiment":"neutral","sentiment_score":-0.2826795834919502}],"sentiment":"neutral","sentiment_score":-0.009136435593693303,"num_words":104,"start":1855.655,"end":1889.345},{"sentences":[{"text":"So because they couldn't trade, it then kind of reflected everything in the share prices.","start":1889.645,"end":1894.3049,"sentiment":"neutral","sentiment_score":-0.3277710199356079},{"text":"So the investment committee would do a lot of research on the investments because we wanna make sure that at all points in time, we have you in the best investments possible.","start":1895.58,"end":1903.92,"sentiment":"neutral","sentiment_score":0.2092908734921366},{"text":"And the good thing with hub twenty four is that there's hundreds of hundreds of different choices.","start":1904.62,"end":1908.735,"sentiment":"positive","sentiment_score":0.4863157920977649},{"text":"And if we perceive one like Benelung that we don't think is potentially going to be the best one moving forward, we then wanna look at changing it.","start":1908.815,"end":1917.715,"sentiment":"neutral","sentiment_score":0.0060091810300946236},{"text":"So we have done a lot of research and found one that is quite similar in terms of because if we're swapping out an Australian market, we also wanna introduce another Australian market because we wanna keep the diversification.","start":1918.415,"end":1930.3,"sentiment":"neutral","sentiment_score":0.17880678883729836}],"sentiment":"neutral","sentiment_score":0.13122009886926367,"num_words":131,"start":1889.645,"end":1930.3},{"sentences":[{"text":"We don't want everything globally, everything in The US.","start":1930.52,"end":1932.92,"sentiment":"neutral","sentiment_score":0.04145338055160311},{"text":"We wanna give you that diversification.","start":1932.92,"end":1934.54,"sentiment":"neutral","sentiment_score":0.17422412832578024},{"text":"So there is one that's called the the BetaShares Australia two hundred, which, again, does invest in the 200 largest companies in Australia.","start":1936.045,"end":1945.905,"sentiment":"neutral","sentiment_score":0.1252639967462291},{"text":"But instead of we've been along how they are kind of cheaper because it just tracks the 200 largest.","start":1946.4451,"end":1959.8501,"sentiment":"neutral","sentiment_score":0.04980936499410554},{"text":"So as a company grow and gets bigger, it gets added to the list, and if something gets smaller, it gets off the list.","start":1959.9901,"end":1962.0725,"sentiment":"neutral","sentiment_score":-0.22222878225147724}],"sentiment":"neutral","sentiment_score":-0.0010816755440132117,"num_words":81,"start":1930.52,"end":1962.0725},{"sentences":[{"text":"So it gets added to the list, and if something gets smaller, it gets off the list.","start":1962.0725,"end":1966.095,"sentiment":"neutral","sentiment_score":-0.23655051694196813},{"text":"So it's it's a bit cheaper because of it, which does reduce the fees, which is great, but it also kind of performed a lot better than Benelung recently.","start":1966.1549,"end":1975.375,"sentiment":"positive","sentiment_score":0.5522700453112865},{"text":"So if you are happy with that, what I can do is I can issue you something that's called a record of the device just to say that we are going ahead to make that investment change, just that one for you.","start":1976.16,"end":1990.5,"sentiment":"positive","sentiment_score":0.4124615139194897},{"text":"You don't have to sign it or anything like that.","start":1991.155,"end":1993.555,"sentiment":"neutral","sentiment_score":0.11368463281542063},{"text":"It's just for your records to to say that that's what we've done if you are happy with that.","start":1993.555,"end":1998.6951,"sentiment":"neutral","sentiment_score":0.23482991519727206}],"sentiment":"neutral","sentiment_score":0.29843137459431446,"num_words":117,"start":1962.0725,"end":1998.6951},{"sentences":[{"text":"Yep?","start":2000.515,"end":2001.015,"sentiment":"neutral","sentiment_score":0.15096266567707062},{"text":"Okay.","start":2001.0751,"end":2001.555,"sentiment":"neutral","sentiment_score":0.16903048753738403},{"text":"Perfect.","start":2001.555,"end":2002.055,"sentiment":"positive","sentiment_score":0.6017992496490479},{"text":"So I, yeah, perfect.","start":2002.1951,"end":2003.85,"sentiment":"positive","sentiment_score":0.48119839280843735},{"text":"Now I will get that emailed through you.","start":2004.63,"end":2006.7899,"sentiment":"positive","sentiment_score":0.3472561314702034}],"sentiment":"positive","sentiment_score":0.37497566839059193,"num_words":15,"start":2000.515,"end":2006.7899},{"sentences":[{"text":"It might not be until either tomorrow, potentially Monday.","start":2006.7899,"end":2010.73,"sentiment":"neutral","sentiment_score":0.10006120138698155},{"text":"But just keep a look at for your emails, and we'll go ahead and and make that change for you.","start":2011.4299,"end":2016.25,"sentiment":"neutral","sentiment_score":0.24446931630373},{"text":"And that should see see things as well.","start":2017.035,"end":2019.035,"sentiment":"neutral","sentiment_score":0.1699076509103179},{"text":"Hopefully, things do come down a little bit in the world.","start":2019.035,"end":2021.675,"sentiment":"neutral","sentiment_score":-0.03900073591450399},{"text":"You never know, though.","start":2021.675,"end":2022.555,"sentiment":"neutral","sentiment_score":-0.05506531801074743}],"sentiment":"neutral","sentiment_score":0.1249986342064893,"num_words":52,"start":2006.7899,"end":2022.555},{"sentences":[{"text":"And kind of looking at that graph with Vanguard, it's it's not unusual for things to happen.","start":2022.555,"end":2027.775,"sentiment":"neutral","sentiment_score":-0.016864667482235852},{"text":"And long term is where we do see see that growth.","start":2028.795,"end":2031.535,"sentiment":"neutral","sentiment_score":0.03733419491486116},{"text":"So that's why it is important to kind of look beyond twelve month period because on that graph, again, during some of those twelve month period, it looked amazing, whereas other years, not so much.","start":2032.82,"end":2043.88,"sentiment":"neutral","sentiment_score":0.017951034222330367},{"text":"Yeah.","start":2044.995,"end":2045.395,"sentiment":"neutral","sentiment_score":0.06387774646282196},{"text":"Does that make sense?","start":2045.395,"end":2046.275,"sentiment":"neutral","sentiment_score":0.0749954991042614}],"sentiment":"neutral","sentiment_score":0.016413569669513142,"num_words":68,"start":2022.555,"end":2046.275},{"sentences":[{"text":"Do you have any questions?","start":2046.275,"end":2047.335,"sentiment":"neutral","sentiment_score":0.053560533374547956},{"text":"Yep.","start":2049.555,"end":2050.035,"sentiment":"neutral","sentiment_score":0.10510259866714478},{"text":"Okay.","start":2050.035,"end":2050.435,"sentiment":"neutral","sentiment_score":0.17007167637348175},{"text":"Perfect.","start":2050.435,"end":2050.935,"sentiment":"neutral","sentiment_score":0.3072478473186493},{"text":"Now back to the email as well, you should see one where it's called super and insurance summary.","start":2051.715,"end":2058.435,"sentiment":"neutral","sentiment_score":0.10992703752385245}],"sentiment":"neutral","sentiment_score":0.10880428710236,"num_words":26,"start":2046.275,"end":2058.435},{"sentences":[{"text":"Can you see that?","start":2058.435,"end":2059.495,"sentiment":"neutral","sentiment_score":0.05735914036631584},{"text":"Yep.","start":2059.96,"end":2060.2,"sentiment":"neutral","sentiment_score":0.0975375473499298},{"text":"Perfect.","start":2060.2,"end":2060.7,"sentiment":"neutral","sentiment_score":0.31088167428970337},{"text":"You're gonna open that one for me.","start":2060.76,"end":2062.3801,"sentiment":"neutral","sentiment_score":0.1692095058304923},{"text":"Perfect.","start":2064.12,"end":2064.52,"sentiment":"positive","sentiment_score":0.3373052179813385}],"sentiment":"neutral","sentiment_score":0.15425911013569152,"num_words":14,"start":2058.435,"end":2064.52},{"sentences":[{"text":"Now this one here gives you a bit of a breakdown of your super balance and your insurances.","start":2064.52,"end":2069.82,"sentiment":"neutral","sentiment_score":0.17785993301206166},{"text":"So you have your super in Hub 24, and you do have about 72,562 in there, which is good.","start":2070.36,"end":2078.5452,"sentiment":"neutral","sentiment_score":0.2577565296700126},{"text":"And you also have your one part insurance.","start":2078.925,"end":2081.2651,"sentiment":"neutral","sentiment_score":0.16387035325169563},{"text":"So you have about a million dollars worth of life and TD.","start":2081.405,"end":2084.705,"sentiment":"neutral","sentiment_score":0.13727778072158495},{"text":"Now with your life and TPD, are you still happy with that level of cover if something were to happen?","start":2087.67,"end":2094.87,"sentiment":"neutral","sentiment_score":0.08487263917922974}],"sentiment":"neutral","sentiment_score":0.1656441796909679,"num_words":77,"start":2064.52,"end":2094.87},{"sentences":[{"text":"It obviously still will pay out the remaining mortgage or anything like that and still leave quite a bit extra.","start":2094.87,"end":2102.435,"sentiment":"neutral","sentiment_score":0.03695279117673635},{"text":"Are you still happy with that level of cover, or would you like to change anything?","start":2102.435,"end":2106.455,"sentiment":"neutral","sentiment_score":0.027618714491836727},{"text":"Yep.","start":2108.995,"end":2109.475,"sentiment":"neutral","sentiment_score":0.17055678367614746},{"text":"Perfect.","start":2109.475,"end":2109.975,"sentiment":"positive","sentiment_score":0.3707690834999085},{"text":"And now you also do have that employer paid policy, which would be about last time we checked, it was about it was one year's worth of salary.","start":2110.835,"end":2120.63,"sentiment":"neutral","sentiment_score":0.10548194627543646}],"sentiment":"neutral","sentiment_score":0.07084508512564229,"num_words":66,"start":2094.87,"end":2120.63},{"sentences":[{"text":"So, obviously, if your salary has gone up, you probably get a little bit more now, which is good.","start":2120.63,"end":2126.25,"sentiment":"positive","sentiment_score":0.3811990477536854},{"text":"And then also an income protection, and that was covering about 75% of your salary.","start":2126.55,"end":2132.285,"sentiment":"neutral","sentiment_score":0.15267415593067804},{"text":"And having a look at the contract last time, it does change with your salary.","start":2132.745,"end":2135.945,"sentiment":"neutral","sentiment_score":0.12045172899961472},{"text":"So if your salary did go up, then most likely, that will be about 75% of your salary as long as that still kind of stays the same for the employer.","start":2135.945,"end":2144.685,"sentiment":"neutral","sentiment_score":0.20262793187172182},{"text":"Now any questions about that?","start":2148.25,"end":2149.95,"sentiment":"neutral","sentiment_score":0.04069669134914875}],"sentiment":"neutral","sentiment_score":0.20970140618874747,"num_words":85,"start":2120.63,"end":2149.95},{"sentences":[{"text":"No.","start":2151.6099,"end":2151.77,"sentiment":"neutral","sentiment_score":0.15529897809028623},{"text":"Perfect.","start":2151.77,"end":2152.27,"sentiment":"positive","sentiment_score":0.33542680740356445},{"text":"Now back to the email, you will also see one where it says COC, so certificate of currency for one pass.","start":2153.29,"end":2160.615,"sentiment":"neutral","sentiment_score":0.0947748404883203},{"text":"Can you see that?","start":2160.695,"end":2161.515,"sentiment":"neutral","sentiment_score":0.05620044004172087},{"text":"Yep.","start":2162.695,"end":2163.095,"sentiment":"neutral","sentiment_score":0.19531700015068057}],"sentiment":"neutral","sentiment_score":0.1036112927166479,"num_words":28,"start":2151.6099,"end":2163.095},{"sentences":[{"text":"Perfect.","start":2163.095,"end":2163.575,"sentiment":"positive","sentiment_score":0.448137640953064},{"text":"So if you're gonna open that one, it just breaks down your insurances in a little bit more detail there for you.","start":2163.575,"end":2169.575,"sentiment":"neutral","sentiment_score":0.26296831938353454},{"text":"Now you can also see the premium here.","start":2169.575,"end":2171.915,"sentiment":"neutral","sentiment_score":0.2101564109325409},{"text":"So it says the total yearly premium.","start":2172.135,"end":2174.475,"sentiment":"neutral","sentiment_score":0.2920644155570439},{"text":"So it's pretty cheap, which is good.","start":2174.82,"end":2176.9202,"sentiment":"positive","sentiment_score":0.5310376073632922}],"sentiment":"neutral","sentiment_score":0.30392013589541117,"num_words":45,"start":2163.095,"end":2176.9202},{"sentences":[{"text":"So it's about $881 for both of those.","start":2176.98,"end":2181.3801,"sentiment":"neutral","sentiment_score":0.32174552232027054},{"text":"So both a a $1,000,000 worth of life and the TPD for you.","start":2181.3801,"end":2185.24,"sentiment":"positive","sentiment_score":0.3704698131634639},{"text":"Yep.","start":2186.26,"end":2186.685,"sentiment":"neutral","sentiment_score":0.09800702333450316},{"text":"Now back to the email, you will have two more attachments.","start":2186.685,"end":2191.185,"sentiment":"neutral","sentiment_score":0.07608278637582605},{"text":"I will let you have a read over those in your own time.","start":2191.325,"end":2193.965,"sentiment":"neutral","sentiment_score":0.09771699974170098}],"sentiment":"neutral","sentiment_score":0.20859370477821515,"num_words":46,"start":2176.98,"end":2193.965},{"sentences":[{"text":"You have seen these before.","start":2193.965,"end":2195.325,"sentiment":"neutral","sentiment_score":0.08415238559246063},{"text":"It's one of those compliance documents.","start":2195.325,"end":2197.425,"sentiment":"neutral","sentiment_score":0.10849510381619136},{"text":"So just the financial services guide and the OQ services guide.","start":2199.485,"end":2204.04,"sentiment":"neutral","sentiment_score":0.0989468361843716},{"text":"There's no major changes to any of the information there.","start":2204.5798,"end":2208.1199,"sentiment":"neutral","sentiment_score":0.09025592356920242},{"text":"It's basically just we've had a bit of an update to marketing.","start":2208.42,"end":2211.5598,"sentiment":"neutral","sentiment_score":0.2037488011022409}],"sentiment":"neutral","sentiment_score":0.1251748317683285,"num_words":44,"start":2193.965,"end":2211.5598},{"sentences":[{"text":"So as you do go and have a look at it, you will see we have some new updated photos, which is nice.","start":2211.8599,"end":2216.505,"sentiment":"positive","sentiment_score":0.3692221006621485},{"text":"And we've also had a bit of an extension to the team, which is great as well.","start":2217.065,"end":2221.2449,"sentiment":"positive","sentiment_score":0.4629860485301298},{"text":"So I'll let you have a read over that in your own time.","start":2221.4648,"end":2224.765,"sentiment":"neutral","sentiment_score":0.16894566439665282},{"text":"But, otherwise, the last thing is if you are happy to do so is if you then press where it says sign now or request signature, it should ask you to sign two documents.","start":2225.1448,"end":2237.97,"sentiment":"neutral","sentiment_score":0.1648653668954092},{"text":"Now one of them is your ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start":2240.5898,"end":2249.795,"sentiment":"positive","sentiment_score":0.4365180027484894}],"sentiment":"neutral","sentiment_score":0.3131922975049487,"num_words":112,"start":2211.8599,"end":2249.795},{"sentences":[{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":2250.415,"end":2255.01,"sentiment":"neutral","sentiment_score":0.037281340919435024},{"text":"So it stays exactly the same at that 1.65 from Sousa.","start":2255.25,"end":2259.99,"sentiment":"neutral","sentiment_score":0.33266113021157007},{"text":"No changes whatsoever in regards to it, and it is not a lock in contract.","start":2260.53,"end":2265.59,"sentiment":"neutral","sentiment_score":0.0857387512922287},{"text":"So if at any point in time you are not happy with the service or you were just not happy, no lock in contract, no extra fees, or anything like that.","start":2265.65,"end":2274.845,"sentiment":"neutral","sentiment_score":-0.08321514437275548},{"text":"So this just lets us service your account and everything in the meantime and just to make sure that, obviously, yeah, you are happy with everything and that's something we'll then upload through Hub twenty four so we can keep making those investment changes and stuff for you.","start":2275.065,"end":2291.5,"sentiment":"positive","sentiment_score":0.5522147975862026}],"sentiment":"neutral","sentiment_score":0.25059291112244636,"num_words":117,"start":2250.415,"end":2291.5},{"sentences":[{"text":"And then the last one where it should ask you to add a signature is where it says tax file number, I should say, which is just asking you to sign.","start":2293.16,"end":2303.245,"sentiment":"neutral","sentiment_score":0.12107749451552668},{"text":"It's just a compliance form to say that we are keeping your tax file number since you're unsafe on file.","start":2303.245,"end":2309.5051,"sentiment":"neutral","sentiment_score":0.12855353355407714},{"text":"Yep.","start":2311.485,"end":2311.885,"sentiment":"positive","sentiment_score":0.35697460174560547},{"text":"Perfect.","start":2311.885,"end":2312.385,"sentiment":"positive","sentiment_score":0.5196093916893005},{"text":"So, yeah, basically, from here is if you wanna have a read through the documents, more than welcome to.","start":2313.11,"end":2318.09,"sentiment":"neutral","sentiment_score":0.2526030893388547}],"sentiment":"neutral","sentiment_score":0.16667382905466688,"num_words":72,"start":2293.16,"end":2318.09},{"sentences":[{"text":"When you have a moment, sorry.","start":2319.51,"end":2321.19,"sentiment":"neutral","sentiment_score":0.10519871798654397},{"text":"If you, yeah, have a read through any questions, let me know.","start":2321.19,"end":2323.9102,"sentiment":"neutral","sentiment_score":0.10687863516310851},{"text":"Otherwise, we do need you to sign those documents.","start":2323.9102,"end":2326.09,"sentiment":"neutral","sentiment_score":0.09750696685579088},{"text":"Once you have signed it, it should say validate, and they will then send it back to the team, or we can get that all processed for you.","start":2326.865,"end":2334.9648,"sentiment":"neutral","sentiment_score":0.2068661137350968},{"text":"And in the meantime, I will draw up that record of advice for you to say that we are doing that investment change.","start":2335.585,"end":2342.7698,"sentiment":"neutral","sentiment_score":0.09083186575899953}],"sentiment":"neutral","sentiment_score":0.13682926575151774,"num_words":78,"start":2319.51,"end":2342.7698},{"sentences":[{"text":"You don't need to sign it.","start":2342.7698,"end":2343.73,"sentiment":"neutral","sentiment_score":0.01721864379942417},{"text":"Like I said, it's just for your reference so you can see the change.","start":2343.73,"end":2347.2698,"sentiment":"neutral","sentiment_score":0.10716140536325318},{"text":"I'll keep a lookout on my emails as well, for your will if it does come through, and then also in the post for your beneficiary forms as well.","start":2349.0898,"end":2360.405,"sentiment":"neutral","sentiment_score":0.20054773369739795},{"text":"If you can't locate them or you would like us to resend them to you, just let me know as well.","start":2360.405,"end":2365.7048,"sentiment":"neutral","sentiment_score":0.14737165222565332},{"text":"Yes.","start":2372.9001,"end":2373.4001,"sentiment":"neutral","sentiment_score":0.11408038437366486}],"sentiment":"neutral","sentiment_score":0.14969494220026783,"num_words":71,"start":2342.7698,"end":2373.4001},{"sentences":[{"text":"Mhmm.","start":2374.74,"end":2375.24,"sentiment":"neutral","sentiment_score":0.06204110383987427},{"text":"Correct.","start":2380.275,"end":2380.675,"sentiment":"neutral","sentiment_score":0.1054292768239975},{"text":"Yeah.","start":2380.675,"end":2381.155,"sentiment":"neutral","sentiment_score":0.07923827320337296},{"text":"Hub 24, that's for your super, and then one pass is for your insurances.","start":2381.155,"end":2385.335,"sentiment":"neutral","sentiment_score":0.07922333126355495},{"text":"So you can do the same both yep.","start":2385.555,"end":2388.135,"sentiment":"neutral","sentiment_score":0.02686155936680734}],"sentiment":"neutral","sentiment_score":0.0628291106596589,"num_words":25,"start":2374.74,"end":2388.135},{"sentences":[{"text":"Correct.","start":2395.09,"end":2395.57,"sentiment":"neutral","sentiment_score":0.08868935704231262},{"text":"Yes.","start":2395.57,"end":2395.81,"sentiment":"neutral","sentiment_score":0.1215626895427704},{"text":"Yep.","start":2395.81,"end":2396.1301,"sentiment":"neutral","sentiment_score":0.11417683959007265},{"text":"If you would like it to go to the will and then, like, your brother and stuff, then yes.","start":2396.1301,"end":2400.1301,"sentiment":"neutral","sentiment_score":0.09924871003941486},{"text":"Yep.","start":2400.1301,"end":2400.4502,"sentiment":"neutral","sentiment_score":0.1586170494556427}],"sentiment":"neutral","sentiment_score":0.10299006201650786,"num_words":23,"start":2395.09,"end":2400.4502},{"sentences":[{"text":"That's the way to do it.","start":2400.4502,"end":2401.83,"sentiment":"neutral","sentiment_score":0.23611900210380554},{"text":"Yes.","start":2407.425,"end":2407.825,"sentiment":"positive","sentiment_score":0.444484680891037},{"text":"Perfect.","start":2407.825,"end":2408.325,"sentiment":"positive","sentiment_score":0.6739745140075684},{"text":"Now do you have any other questions for me otherwise before I let you go and enjoy the rest of your afternoon, Emma?","start":2409.105,"end":2415.125,"sentiment":"positive","sentiment_score":0.36828093684237934},{"text":"No.","start":2422.8801,"end":2423.2002,"sentiment":"neutral","sentiment_score":-0.06889443099498749}],"sentiment":"positive","sentiment_score":0.34177313512191176,"num_words":32,"start":2400.4502,"end":2423.2002},{"sentences":[{"text":"As long as you do have one, just because of your income, that's private health insure sorry.","start":2423.2002,"end":2429.4402,"sentiment":"neutral","sentiment_score":-0.04078817751039477},{"text":"That's hospital as well?","start":2429.4402,"end":2430.82,"sentiment":"neutral","sentiment_score":-0.03873145300894976},{"text":"Yes.","start":2432.485,"end":2432.885,"sentiment":"neutral","sentiment_score":0.05020567029714584},{"text":"Okay.","start":2432.885,"end":2433.205,"sentiment":"neutral","sentiment_score":0.10768717527389526},{"text":"Perfect.","start":2433.205,"end":2433.705,"sentiment":"neutral","sentiment_score":0.21523049473762512}],"sentiment":"neutral","sentiment_score":-0.019800062058493495,"num_words":24,"start":2423.2002,"end":2433.705},{"sentences":[{"text":"No.","start":2434.485,"end":2434.725,"sentiment":"neutral","sentiment_score":0.013237599283456802},{"text":"That's fine.","start":2434.725,"end":2435.205,"sentiment":"neutral","sentiment_score":0.07182849012315273},{"text":"It doesn't really change anything.","start":2435.205,"end":2436.725,"sentiment":"neutral","sentiment_score":-0.08609162368811667},{"text":"It's more so for us, it's just knowing if you have it or not.","start":2436.725,"end":2440.025,"sentiment":"neutral","sentiment_score":0.01862286776304245},{"text":"Because especially because you are a high income earner, if you don't have hospitals as part of it, you would then unfortunately have to pay that additional Medicare levy surcharge for additional tax.","start":2440.405,"end":2452.49,"sentiment":"neutral","sentiment_score":-0.14422252542819036}],"sentiment":"neutral","sentiment_score":-0.08676703144288199,"num_words":55,"start":2434.485,"end":2452.49},{"sentences":[{"text":"That's why having it, you don't, which which is great.","start":2452.6301,"end":2455.03,"sentiment":"neutral","sentiment_score":0.0629333894699812},{"text":"So, yeah, because your income is is high, it is good that you do have the private health for that purpose at least.","start":2455.03,"end":2460.685,"sentiment":"neutral","sentiment_score":0.2494485426856124},{"text":"Yep.","start":2462.105,"end":2462.605,"sentiment":"neutral","sentiment_score":0.2276062369346619},{"text":"Perfect.","start":2462.8252,"end":2463.3252,"sentiment":"positive","sentiment_score":0.44810912013053894},{"text":"Mhmm.","start":2478.92,"end":2479.42,"sentiment":"neutral","sentiment_score":0.01221567764878273}],"sentiment":"neutral","sentiment_score":0.19596059475508001,"num_words":36,"start":2452.6301,"end":2479.42},{"sentences":[{"text":"Mhmm.","start":2480.36,"end":2480.6,"sentiment":"neutral","sentiment_score":-0.004305862355977297},{"text":"Not really.","start":2480.6,"end":2481.42,"sentiment":"neutral","sentiment_score":-0.11806220188736916},{"text":"Unless it changes, like, unless you want assistance with anything.","start":2481.48,"end":2485.325,"sentiment":"neutral","sentiment_score":-0.10343364477157593},{"text":"So if you were just changing it and you struggle with cash flow, we can definitely assist you with that.","start":2485.705,"end":2492.925,"sentiment":"neutral","sentiment_score":0.07759080938994885},{"text":"It would just be more so if your wishes and goals changes.","start":2494.345,"end":2496.985,"sentiment":"neutral","sentiment_score":0.040567982010543346}],"sentiment":"neutral","sentiment_score":0.01697478351286716,"num_words":45,"start":2480.36,"end":2496.985},{"sentences":[{"text":"So if it is that you change your your property and it's you want more or less for insurances, if something were to happen because it pays off yourself, that would seem when we would make changes.","start":2496.985,"end":2509.2102,"sentiment":"neutral","sentiment_score":0.005386284577685433},{"text":"But in terms of if you own it or not, it doesn't really change your your super or anything like that.","start":2509.925,"end":2516.665,"sentiment":"neutral","sentiment_score":-0.04466338819336323},{"text":"And if we're not doing, like, directly, like, cash flow management, then then no.","start":2517.045,"end":2521.925,"sentiment":"neutral","sentiment_score":-0.07145061064511538},{"text":"But if it is something you wanna assess or look at, let me know.","start":2521.925,"end":2525.72,"sentiment":"neutral","sentiment_score":0.042679298136915476},{"text":"And at the same time, if you want another opinion for a a lender or mortgage broker to assessing for you, again, let me know because we have a couple of contacts that we work closely with.","start":2526.18,"end":2536.18,"sentiment":"neutral","sentiment_score":0.1202320331657255}],"sentiment":"neutral","sentiment_score":0.02688738397829901,"num_words":123,"start":2496.985,"end":2536.18},{"sentences":[{"text":"I can just do a couple of proposals for you.","start":2536.18,"end":2538.6,"sentiment":"neutral","sentiment_score":0.3268988788127899},{"text":"Just to let you know what things might look like and see if it's, you know, obviously doable and how that would look fine as well.","start":2539.135,"end":2547.475,"sentiment":"neutral","sentiment_score":0.2780534435923283},{"text":"Yep.","start":2548.735,"end":2549.235,"sentiment":"positive","sentiment_score":0.5628294944763184},{"text":"Perfect.","start":2549.375,"end":2549.875,"sentiment":"positive","sentiment_score":0.7908684015274048},{"text":"Mhmm.","start":2553.55,"end":2554.05,"sentiment":"neutral","sentiment_score":0.2584758400917053}],"sentiment":"neutral","sentiment_score":0.3105269758365093,"num_words":39,"start":2536.18,"end":2554.05},{"sentences":[{"text":"Yes.","start":2556.67,"end":2557.17,"sentiment":"neutral","sentiment_score":0.16091223061084747},{"text":"So it is with one of our partners.","start":2559.23,"end":2561.65,"sentiment":"neutral","sentiment_score":0.09086227416992188},{"text":"So I can either get them either you can tell me email me and say, hey.","start":2562.59,"end":2568.925,"sentiment":"neutral","sentiment_score":0.08662015083245933},{"text":"I want someone to contact me, or I can pass on your information through them and get them to give you a call.","start":2568.925,"end":2577.585,"sentiment":"neutral","sentiment_score":0.10520576458910237},{"text":"Or I can send you an email with their contact details, and then you can call them whenever you want to.","start":2577.83,"end":2582.23,"sentiment":"neutral","sentiment_score":0.12019687057251022}],"sentiment":"neutral","sentiment_score":0.10460289427335712,"num_words":69,"start":2556.67,"end":2582.23},{"sentences":[{"text":"Whatever works best for you.","start":2582.23,"end":2584.17,"sentiment":"neutral","sentiment_score":0.1811280220746994},{"text":"There are different ones that specializes in different things.","start":2590.07,"end":2593.135,"sentiment":"neutral","sentiment_score":0.04900783424576124},{"text":"They are very versatile, but I can give them a call as well just to see which one would be more suitable for you.","start":2593.135,"end":2602.4148,"sentiment":"neutral","sentiment_score":0.2006001683572928},{"text":"But we do have a lot of clients that work in the mine that do work with them.","start":2602.4148,"end":2607.51,"sentiment":"neutral","sentiment_score":0.1669557135966089},{"text":"So I'm sure there would be a to carry across it, but I can would you like me to send you their contact details, or would you like me to contact them and then for them to give you a call and see how things would work, booking an appointment.","start":2608.07,"end":2623.125,"sentiment":"neutral","sentiment_score":0.07096995892003179}],"sentiment":"neutral","sentiment_score":0.11995108915000872,"num_words":106,"start":2582.23,"end":2623.125},{"sentences":[{"text":"Yep.","start":2627.4248,"end":2627.9248,"sentiment":"positive","sentiment_score":0.366077721118927},{"text":"And when is that?","start":2628.545,"end":2629.845,"sentiment":"neutral","sentiment_score":0.13142252154648304},{"text":"The '20 second of okay.","start":2637.6,"end":2642.58,"sentiment":"neutral","sentiment_score":0.03869974501430988},{"text":"May 25 for that week.","start":2643.44,"end":2645.62,"sentiment":"neutral","sentiment_score":0.02544037140905857},{"text":"And will you be on Tasmania time at the time?","start":2645.9202,"end":2650.335,"sentiment":"neutral","sentiment_score":0.014296106807887555}],"sentiment":"neutral","sentiment_score":0.05421717830002308,"num_words":25,"start":2627.4248,"end":2650.335},{"sentences":[{"text":"WA time.","start":2652.3948,"end":2653.375,"sentiment":"neutral","sentiment_score":0.023641305975615978},{"text":"Oh, lovely.","start":2654.3948,"end":2655.115,"sentiment":"positive","sentiment_score":0.41782723367214203},{"text":"Oh, perfect.","start":2655.115,"end":2655.6748,"sentiment":"positive","sentiment_score":0.5137009918689728},{"text":"Just so I let them know as well so they don't call you too early in the morning with the time difference.","start":2655.6748,"end":2662.13,"sentiment":"neutral","sentiment_score":0.1592564738609574},{"text":"Okay.","start":2662.19,"end":2662.51,"sentiment":"neutral","sentiment_score":0.039148591458797455}],"sentiment":"neutral","sentiment_score":0.18803896825632144,"num_words":29,"start":2652.3948,"end":2662.51},{"sentences":[{"text":"So May 25 for that week.","start":2662.51,"end":2664.3699,"sentiment":"neutral","sentiment_score":0.024894059635698795},{"text":"And do you prefer morning or afternoon or just kind of any time?","start":2664.43,"end":2667.15,"sentiment":"neutral","sentiment_score":0.034744816402403206},{"text":"And then if you're not available, just give them a callback.","start":2667.15,"end":2669.89,"sentiment":"neutral","sentiment_score":0.009713688949969683},{"text":"Midmorning.","start":2673.645,"end":2674.145,"sentiment":"neutral","sentiment_score":0.04972032457590103},{"text":"Okay.","start":2676.0452,"end":2676.445,"sentiment":"neutral","sentiment_score":0.047536615282297134}],"sentiment":"neutral","sentiment_score":0.025161077792290598,"num_words":32,"start":2662.51,"end":2676.445},{"sentences":[{"text":"So about ten to twelve WA time.","start":2676.445,"end":2678.945,"sentiment":"neutral","sentiment_score":0.03535785233335836},{"text":"Great.","start":2679.8052,"end":2680.3052,"sentiment":"positive","sentiment_score":0.4969642162322998},{"text":"I will get in touch with them and get them through to give you a call, and I will also just triple check that they are very across, obviously, mining and stuff like that.","start":2680.365,"end":2688.8098,"sentiment":"neutral","sentiment_score":0.24167444929480553},{"text":"But like I said, we do have quite a lot of clients that do work in the mine that that use them as well.","start":2688.8098,"end":2694.3298,"sentiment":"neutral","sentiment_score":0.10962174801776807},{"text":"But I'll just flag that as a little thing just to make sure.","start":2694.3298,"end":2698.67,"sentiment":"neutral","sentiment_score":0.14391995679873687}],"sentiment":"neutral","sentiment_score":0.17042128923290137,"num_words":79,"start":2676.445,"end":2698.67},{"sentences":[{"text":"Otherwise, I will get in touch with them and get them to give you a call.","start":2698.935,"end":2702.155,"sentiment":"neutral","sentiment_score":0.16452595544978976},{"text":"Is there anything else or any other questions you have for me, Emma?","start":2703.0151,"end":2706.075,"sentiment":"neutral","sentiment_score":0.13606212058892617},{"text":"No?","start":2708.135,"end":2708.635,"sentiment":"neutral","sentiment_score":0.13379138708114624},{"text":"No.","start":2709.335,"end":2709.735,"sentiment":"neutral","sentiment_score":0.13762778043746948},{"text":"No problem.","start":2709.735,"end":2710.395,"sentiment":"neutral","sentiment_score":0.2098609283566475}],"sentiment":"neutral","sentiment_score":0.15431405694195718,"num_words":33,"start":2698.935,"end":2710.395},{"sentences":[{"text":"And if anything does change even, like, throughout the year for you as well, like, we can do more frequent catch up.","start":2710.455,"end":2717.55,"sentiment":"neutral","sentiment_score":0.12561863626946101},{"text":"So if it is that you want a bit more of, you know what?","start":2717.55,"end":2720.43,"sentiment":"neutral","sentiment_score":0.0859560671129397},{"text":"I don't wanna wait twelve months.","start":2720.43,"end":2722.35,"sentiment":"neutral","sentiment_score":-0.2613263006011645},{"text":"I would like six months to catch up to see, you know, how my super is now tracking or changes.","start":2722.35,"end":2727.33,"sentiment":"neutral","sentiment_score":0.0008803518489003195},{"text":"We can do however frequent catch up you would like as well.","start":2727.945,"end":2731.465,"sentiment":"neutral","sentiment_score":0.11258035991340876}],"sentiment":"neutral","sentiment_score":0.0509136282410976,"num_words":74,"start":2710.455,"end":2731.465},{"sentences":[{"text":"So are you happy with yearly?","start":2731.465,"end":2733.465,"sentiment":"neutral","sentiment_score":0.13613391295075417},{"text":"Would you like six monthly, three months, or what do you what do you prefer?","start":2733.465,"end":2738.925,"sentiment":"neutral","sentiment_score":0.06552742049098015},{"text":"Jelly?","start":2741.4,"end":2741.9,"sentiment":"neutral","sentiment_score":0.17874982953071594},{"text":"Okay.","start":2742.04,"end":2742.54,"sentiment":"neutral","sentiment_score":0.010044977068901062},{"text":"Yeah.","start":2744.84,"end":2745.32,"sentiment":"neutral","sentiment_score":0.21799001097679135}],"sentiment":"neutral","sentiment_score":0.09193748344356815,"num_words":24,"start":2731.465,"end":2745.32},{"sentences":[{"text":"Yeah.","start":2745.32,"end":2745.82,"sentiment":"neutral","sentiment_score":0.25872695446014404},{"text":"And if anything does change, like I said, at any point in time, it's all part of the service.","start":2745.88,"end":2749.24,"sentiment":"neutral","sentiment_score":0.24269553548411318},{"text":"You can email or call me whenever you want to.","start":2749.24,"end":2751.24,"sentiment":"neutral","sentiment_score":0.20718808919191362},{"text":"So even if you just have some questions, you can do that.","start":2751.24,"end":2753.895,"sentiment":"neutral","sentiment_score":0.1985645474245151},{"text":"Or, yeah, if anything does change that you are looking at making a drastic change or anything, just let me know, and we can always just kind of go through if we need to make any, you know, changes or anything for you.","start":2754.455,"end":2765.435,"sentiment":"neutral","sentiment_score":0.18187061090802037}],"sentiment":"neutral","sentiment_score":0.2017062806907822,"num_words":85,"start":2745.32,"end":2765.435},{"sentences":[{"text":"Yep.","start":2766.8699,"end":2767.27,"sentiment":"positive","sentiment_score":0.5334595441818237},{"text":"Yep.","start":2767.27,"end":2767.75,"sentiment":"positive","sentiment_score":0.5585280656814575},{"text":"Perfect.","start":2767.75,"end":2768.15,"sentiment":"positive","sentiment_score":0.7767056822776794},{"text":"Well, I'm always here if you need anything or have any questions.","start":2768.15,"end":2770.63,"sentiment":"positive","sentiment_score":0.5726971899469694},{"text":"Otherwise, I will let you go, and enjoy the rest of the 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Yes. I'm good. Thanks, Veronica. How are you? Yep. Yep. I'm just on my way home, but I should better talk. Yeah. Yep. No worries. I've just come back from overseas. I flew back in from Bali yesterday, so today's a quiet day before work tomorrow. It was good. Yeah. It was good. There's a little bit of rain, but mostly overnight and in the morning, so then it would clear up, which was lucky. Yeah. Yeah. Just a bit of a catch up. I wanted to mention a few things. I've got a little list just to make sure I'm on the right path, really, because I bought a house in the last twelve months. I've changed my health insurance, and I've also moved job roles. So I kinda want to chat to you about all those things and make sure I'm still, yeah, on the right path with you guys. Yep. Yep. Thank you. Value that? I purchased it for $2.80. Currently, I've got $1.95 owing. Yes. Yep. No. Nothing. For where I'm living, is well, I still have my stuff going to my dad's house so that when I'm five four, it still goes to him, if that's okay. Yeah. So 8 32 South Road. Yeah. Yeah. I've still currently just got things going there, so that that doesn't get sitting in my mailbox for two weeks. Amazing. No. That's also on King Island in Tassie. Yeah. I need to work out I actually need to chase that up because I definitely had shares given to me through BHP, and I've never properly located them. Yeah. I really need to put on my list of things to do to try and locate it and work out what the value of that is. Yeah. Currently, should I just leave it? Because I yeah. I can't tell you what it would actually be at. I'll put it on my list of things within. Just the property and my vehicle. Yeah. Pretty much. Only my credit card, but I zero it every time I get paid. Yep. Yep. Yep. So I'm still I'm working at Bolt Minerals still. So I think that's what I would that's what I told you last time, but I've moved up a job role. So I'm currently just signed a contract for a charge up position. So just dealing with yeah. Thank you. Yeah. Just dealing with more of those explosives full time. I know I mentioned that in the in the health thing I did with you guys that I had I do handle explosives occasionally, but, yeah, now it's my full time role. Yep. Okay. Yep. Mhmm. Yep. Yep. Excellent. Yep. Okay. Amazing. Okay. Amazing. Okay. Weekend. It's a charge up. Yeah. Just charge up roll. Yep. Yep. Yes. Correct. Yep. I only signed the contract last swing, but it was backdated to the January 8 of this year. I'm still in the same employer at the moment. I don't believe any of that changed. The only the only thing I was showing was my contract, which is basically what they require from me and my new pay rate. It didn't really have a lot of detail. It's a 150. Yeah. It's a good job. Yeah. Sorry. No. I think it's the same. Yep. I haven't I've kind of got rid of my savings account. My savings is the property. So whenever I've got spare cash, that's going straight onto the onto the loan. So I think I borrowed $1.20, and I've, yeah, managed to pay that down $20.25 since September, I believe. Yep. No. It's an offset, so I could always withdraw back off it. Yeah. Trying to keep the interest down. Yep. Yeah. Yeah. Yep. So I was going to with my next ticket, is that just for you you to call? I've been meaning to update my I think I have the letter there. I've been meaning to get it back to you guys, but I had to chase up my brother. I was gonna put him down as, like, the executor because I don't have, like, a dependent at all. So I wasn't sure about, like, whether there's someone I can put down. But as next of kin, do you just want, like, an emergency contact? Yep. Probably my dad. Brian, b r I a n. Yeah. Yep. 0428 621 011. I think I I think I have them still. I I held on to them until I saw my brother to double check whether he was happy to go on to it, and that was only in February he agreed, and I've been meaning to fill it in. But if I put his details on as my beneficiary, how how well does that stand up? Yeah. Personal representative. Yeah. Yeah. Because I went and got, which I also have with the paperwork, I believe, because I had intentions of getting it done, and it it's kind of fallen fallen off top of my list. But I did get a just a post office will, but I was also told on the grapevine that that doesn't stand up very well. So then I got stuck in a position where I wasn't too sure. Yeah. Mhmm. Okay. Yep. Yep. Okay. Yep. Yeah. Pardon? Yeah. Yeah. I think so. So I still need to fill in the beneficiary. I can put down but, really, as my personal representative, but then followed up with the post office will Yeah. Yeah. Okay. Yep. Yeah. Yep. Mhmm. Yeah. That would be amazing, probably, just in case. Yes. Yeah. No. Not really. I'm I'm not really playing football anymore. But other than that, not really. I've just been, yeah, working and staying home and then traveling when I can. No. It's not. Yep. Yes. I did do that. And that was amazing. Absolutely amazing. Yes. It was a lot harder than I was expecting, but by the end of it, I think we got it. Really hard. I think it's just the build up my savings by putting it on that home line and just get myself back up into a into a good position. With the the loan increases and stuff that's happening, I just wanna keep on top of that, really. Yeah. No. It's all good. Yeah. Yep. Mhmm. I think that currently, it's still high to very high. Mhmm. Yes. Mhmm. I think I would invest while it's down currently. Probably moderately, but too heavy ish, but, like, not the whole lot. Yeah. Optimistic. I'll hold into it and see what happens. No. Investment property. Yes. More that it's getting invested harder and into more things to try and make more benefit. Mhmm. I have access to emails at home now. Mhmm. Mhmm. Yep. I've got it here. It's got the sign a document. Yep. Oh, yes. Yep. Yes. Yep. Got it. Mhmm. No. I don't think I have. Mhmm. Okay. Well, Mhmm. Yeah. Mhmm. Mhmm. No. Yep. Yep. Okay. Wow. Mhmm. Yep. Yeah. Yep. Yeah. At this stage. Yeah. Mhmm. Mhmm. Yep. Mhmm. Yep. Is it the the I r r? Yep. Mhmm. Mhmm. Okay. Yeah. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Yeah. Not a problem at all. Mhmm. Yep. Yep. No. That's good. Yep. Yep. Mhmm. Yep. Mhmm. No. I think that's fine. Yeah. Mhmm. Okay. No. That's all good. Yep. Mhmm. Yep. Yep. Okay. Yep. Okay. Yep. Not a problem. Mhmm. Yep. Mhmm. Yep. I think I've just found them, and they've got there's a beneficiary nomination form for hub 24, and then there's a nomination of beneficiary for one path. These are two I need? Okay. Mhmm. So I'm so I'm actually filling them both in for our legal personal representatives. Is that correct? Yep. Mhmm. Okay. Not a problem at all. I'll get these filled in and hopefully chuck them in the post real soon. I don't think so. I don't need to update you on my own, like, health insurances I'm paying and stuff. Do I? Yep. Yep. Yes. Yep. Yep. Yep. Perfect. And if I was to decide to, like, rent my house out as an investment property going into, like, next year. Is that something I need to update you guys on if I was to make that move? Mhmm. Yep. Mhmm. Yep. Amazing. And as for ending up the financial year and the possibility of speaking to an accountant for tax time, do I just make that with appointment with you as well? Mhmm. Mhmm. Okay. Do they have, like, a, like, specialize in mining at all to help me out in that manner? Mhmm. Yep. Yeah. Okay. Yeah. If they could call me on next break, that would be that would be great. So I go to work tomorrow for two weeks, so I'll be back on break on the twenty second. So, basically, maybe maybe call from the twenty fifth onwards for the next week of that week. Yeah. Oh, actually, on WA time, I'm heading down to Margaret River with a friend. Yeah. Yeah. Yep. That'd be great. Kind of that midmorning to lunchtime is perfect, that ten to twelve. No. I think that's all, Veronica. I really appreciate it. Thank you. Mhmm. I think yearly is fine at the moment. Yeah. Until until something starts to make change in my life. Yeah. Mhmm. Yep. That would be amazing. Fingers crossed. Thank you. Really appreciate it. Thanks for your time, Veronica. Cheers. 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Yes. I'm good. Thanks, Veronica. How are you?\n\nYep. Yep. I'm just on my way home, but I should better talk. Yeah. Yep.\n\nNo worries. I've just come back from overseas. I flew back in from Bali yesterday, so today's a quiet day before work tomorrow. It was good. Yeah.\n\nIt was good. There's a little bit of rain, but mostly overnight and in the morning, so then it would clear up, which was lucky. Yeah. Yeah. Just a bit of a catch up.\n\nI wanted to mention a few things. I've got a little list just to make sure I'm on the right path, really, because I bought a house in the last twelve months. I've changed my health insurance, and I've also moved job roles. So I kinda want to chat to you about all those things and make sure I'm still, yeah, on the right path with you guys. Yep.\n\nYep. Thank you. Value that? I purchased it for $2.80. Currently, I've got $1.95 owing.\n\nYes. Yep. No. Nothing. For where I'm living, is well, I still have my stuff going to my dad's house so that when I'm five four, it still goes to him, if that's okay.\n\nYeah. So 8 32 South Road. Yeah. Yeah. I've still currently just got things going there, so that that doesn't get sitting in my mailbox for two weeks.\n\nAmazing. No. That's also on King Island in Tassie. Yeah. I need to work out I actually need to chase that up because I definitely had shares given to me through BHP, and I've never properly located them.\n\nYeah. I really need to put on my list of things to do to try and locate it and work out what the value of that is. Yeah. Currently, should I just leave it? Because I yeah.\n\nI can't tell you what it would actually be at. I'll put it on my list of things within. Just the property and my vehicle. Yeah. Pretty much.\n\nOnly my credit card, but I zero it every time I get paid. Yep. Yep. Yep. So I'm still I'm working at Bolt Minerals still.\n\nSo I think that's what I would that's what I told you last time, but I've moved up a job role. So I'm currently just signed a contract for a charge up position. So just dealing with yeah. Thank you. Yeah.\n\nJust dealing with more of those explosives full time. I know I mentioned that in the in the health thing I did with you guys that I had I do handle explosives occasionally, but, yeah, now it's my full time role. Yep. Okay. Yep.\n\nMhmm. Yep. Yep. Excellent. Yep.\n\nOkay. Amazing. Okay. Amazing. Okay.\n\nWeekend. It's a charge up. Yeah. Just charge up roll. Yep.\n\nYep. Yes. Correct. Yep. I only signed the contract last swing, but it was backdated to the January 8 of this year.\n\nI'm still in the same employer at the moment. I don't believe any of that changed. The only the only thing I was showing was my contract, which is basically what they require from me and my new pay rate. It didn't really have a lot of detail. It's a 150.\n\nYeah. It's a good job. Yeah. Sorry. No.\n\nI think it's the same. Yep. I haven't I've kind of got rid of my savings account. My savings is the property. So whenever I've got spare cash, that's going straight onto the onto the loan.\n\nSo I think I borrowed $1.20, and I've, yeah, managed to pay that down $20.25 since September, I believe. Yep. No. It's an offset, so I could always withdraw back off it. Yeah.\n\nTrying to keep the interest down. Yep. Yeah. Yeah. Yep.\n\nSo I was going to with my next ticket, is that just for you you to call? I've been meaning to update my I think I have the letter there. I've been meaning to get it back to you guys, but I had to chase up my brother. I was gonna put him down as, like, the executor because I don't have, like, a dependent at all. So I wasn't sure about, like, whether there's someone I can put down.\n\nBut as next of kin, do you just want, like, an emergency contact? Yep. Probably my dad. Brian, b r I a n. Yeah.\n\nYep. 0428 621 011. I think I I think I have them still. I I held on to them until I saw my brother to double check whether he was happy to go on to it, and that was only in February he agreed, and I've been meaning to fill it in. But if I put his details on as my beneficiary, how how well does that stand up?\n\nYeah. Personal representative. Yeah. Yeah. Because I went and got, which I also have with the paperwork, I believe, because I had intentions of getting it done, and it it's kind of fallen fallen off top of my list.\n\nBut I did get a just a post office will, but I was also told on the grapevine that that doesn't stand up very well. So then I got stuck in a position where I wasn't too sure. Yeah. Mhmm. Okay.\n\nYep. Yep. Okay. Yep. Yeah.\n\nPardon? Yeah. Yeah. I think so. So I still need to fill in the beneficiary.\n\nI can put down but, really, as my personal representative, but then followed up with the post office will Yeah. Yeah. Okay. Yep. Yeah.\n\nYep. Mhmm. Yeah. That would be amazing, probably, just in case. Yes.\n\nYeah. No. Not really. I'm I'm not really playing football anymore. But other than that, not really.\n\nI've just been, yeah, working and staying home and then traveling when I can. No. It's not. Yep. Yes.\n\nI did do that. And that was amazing. Absolutely amazing. Yes. It was a lot harder than I was expecting, but by the end of it, I think we got it.\n\nReally hard. I think it's just the build up my savings by putting it on that home line and just get myself back up into a into a good position. With the the loan increases and stuff that's happening, I just wanna keep on top of that, really. Yeah. No.\n\nIt's all good. Yeah. Yep. Mhmm. I think that currently, it's still high to very high.\n\nMhmm. Yes. Mhmm. I think I would invest while it's down currently. Probably moderately, but too heavy ish, but, like, not the whole lot.\n\nYeah. Optimistic. I'll hold into it and see what happens. No. Investment property.\n\nYes. More that it's getting invested harder and into more things to try and make more benefit. Mhmm. I have access to emails at home now. Mhmm.\n\nMhmm. Yep. I've got it here. It's got the sign a document. Yep.\n\nOh, yes. Yep. Yes. Yep. Got it.\n\nMhmm. No. I don't think I have. Mhmm. Okay.\n\nWell, Mhmm. Yeah. Mhmm. Mhmm. No.\n\nYep. Yep. Okay. Wow. Mhmm.\n\nYep. Yeah. Yep. Yeah. At this stage.\n\nYeah. Mhmm. Mhmm. Yep. Mhmm.\n\nYep. Is it the the I r r? Yep. Mhmm. Mhmm.\n\nOkay. Yeah. Mhmm. Mhmm. Yep.\n\nMhmm. Mhmm. Yep. Yep. Yeah.\n\nNot a problem at all. Mhmm. Yep. Yep. No.\n\nThat's good. Yep. Yep. Mhmm. Yep.\n\nMhmm. No. I think that's fine. Yeah. Mhmm.\n\nOkay. No. That's all good. Yep. Mhmm.\n\nYep. Yep. Okay. Yep. Okay.\n\nYep. Not a problem. Mhmm. Yep. Mhmm.\n\nYep. I think I've just found them, and they've got there's a beneficiary nomination form for hub 24, and then there's a nomination of beneficiary for one path. These are two I need? Okay. Mhmm.\n\nSo I'm so I'm actually filling them both in for our legal personal representatives. Is that correct? Yep. Mhmm. Okay.\n\nNot a problem at all. I'll get these filled in and hopefully chuck them in the post real soon. I don't think so. I don't need to update you on my own, like, health insurances I'm paying and stuff. Do I?\n\nYep. Yep. Yes. Yep. Yep.\n\nYep. Perfect. And if I was to decide to, like, rent my house out as an investment property going into, like, next year. Is that something I need to update you guys on if I was to make that move? Mhmm.\n\nYep. Mhmm. Yep. Amazing. And as for ending up the financial year and the possibility of speaking to an accountant for tax time, do I just make that with appointment with you as well?\n\nMhmm. Mhmm. Okay. Do they have, like, a, like, specialize in mining at all to help me out in that manner? Mhmm.\n\nYep. Yeah. Okay. Yeah. If they could call me on next break, that would be that would be great.\n\nSo I go to work tomorrow for two weeks, so I'll be back on break on the twenty second. So, basically, maybe maybe call from the twenty fifth onwards for the next week of that week. Yeah. Oh, actually, on WA time, I'm heading down to Margaret River with a friend. Yeah.\n\nYeah. Yep. That'd be great. Kind of that midmorning to lunchtime is perfect, that ten to twelve. No.\n\nI think that's all, Veronica. I really appreciate it. Thank you. Mhmm. I think yearly is fine at the moment.\n\nYeah. Until until something starts to make change in my life. Yeah. Mhmm. Yep.\n\nThat would be amazing. Fingers crossed. Thank you. Really appreciate it. Thanks for your time, Veronica.\n\nCheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.03886396810412407},{"text":"Yes.","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.17985796928405762},{"text":"I'm good.","start":9.44,"end":9.92,"sentiment":"positive","sentiment_score":0.588945209980011},{"text":"Thanks, Veronica.","start":9.92,"end":10.639999,"sentiment":"positive","sentiment_score":0.6755879819393158},{"text":"How are you?","start":10.639999,"end":11.38,"sentiment":"positive","sentiment_score":0.41181695461273193}],"sentiment":"positive","sentiment_score":0.4425821316738923,"num_words":9,"start":1.76,"end":11.38},{"sentences":[{"text":"Yep.","start":19.265,"end":19.505001,"sentiment":"neutral","sentiment_score":0.10030530393123628},{"text":"Yep.","start":19.505001,"end":19.744999,"sentiment":"neutral","sentiment_score":0.08061455935239792},{"text":"I'm just on my way home, but I should better 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good.","start":40.64,"end":41.44,"sentiment":"positive","sentiment_score":0.5585054556528727},{"text":"Yeah.","start":41.44,"end":41.6,"sentiment":"positive","sentiment_score":0.4178012609481811}],"sentiment":"neutral","sentiment_score":0.2851525175350684,"num_words":27,"start":27.105,"end":41.6},{"sentences":[{"text":"It was good.","start":41.6,"end":42.42,"sentiment":"positive","sentiment_score":0.5140620271364847},{"text":"There's a little bit of rain, but mostly overnight and in the morning, so then it would clear up, which was lucky.","start":44.895,"end":49.715,"sentiment":"neutral","sentiment_score":0.13708561963655733},{"text":"Yeah.","start":51.934998,"end":52.434998,"sentiment":"neutral","sentiment_score":0.17532742023468018},{"text":"Yeah.","start":75.534996,"end":75.775,"sentiment":"neutral","sentiment_score":0.04286685958504677},{"text":"Just a bit of a catch 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okay.","start":175.87999,"end":188.63501,"sentiment":"neutral","sentiment_score":-0.0019074394833296538}],"sentiment":"neutral","sentiment_score":-0.002316340763012276,"num_words":34,"start":160.75499,"end":188.63501},{"sentences":[{"text":"Yeah.","start":190.85501,"end":191.255,"sentiment":"neutral","sentiment_score":0.013995911926031113},{"text":"So 8 32 South Road.","start":191.255,"end":193.115,"sentiment":"neutral","sentiment_score":0.010751224309206008},{"text":"Yeah.","start":195.095,"end":195.595,"sentiment":"neutral","sentiment_score":0.07375720143318176},{"text":"Yeah.","start":196.61,"end":196.85,"sentiment":"neutral","sentiment_score":0.05226941034197807},{"text":"I've still currently just got things going there, so that that doesn't get sitting in my mailbox for two 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yeah.","start":253.18001,"end":253.66,"sentiment":"neutral","sentiment_score":-0.00917342243095239}],"sentiment":"neutral","sentiment_score":-0.01054534751519158,"num_words":37,"start":237.085,"end":253.66},{"sentences":[{"text":"I can't tell you what it would actually be at.","start":253.66,"end":255.5,"sentiment":"neutral","sentiment_score":-0.01865093233063817},{"text":"I'll put it on my list of things within.","start":255.5,"end":257.2,"sentiment":"neutral","sentiment_score":0.05228542536497116},{"text":"Just the property and my vehicle.","start":266.08502,"end":267.605,"sentiment":"neutral","sentiment_score":0.033404115277032055},{"text":"Yeah.","start":267.605,"end":267.92502,"sentiment":"neutral","sentiment_score":0.04591904580593109},{"text":"Pretty 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a charge up.","start":431.02502,"end":432.565,"sentiment":"neutral","sentiment_score":0.01097878604196012},{"text":"Yeah.","start":433.42502,"end":433.665,"sentiment":"neutral","sentiment_score":0.014398500323295592},{"text":"Just charge up 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r?","start":1701.875,"end":1704.215,"sentiment":"neutral","sentiment_score":0.0761167188840253},{"text":"Yep.","start":1707.715,"end":1708.215,"sentiment":"neutral","sentiment_score":0.07047644257545471},{"text":"Mhmm.","start":1714.97,"end":1715.47,"sentiment":"neutral","sentiment_score":0.0857463926076889},{"text":"Mhmm.","start":1745.6,"end":1746.1,"sentiment":"neutral","sentiment_score":0.1332557201385498}],"sentiment":"neutral","sentiment_score":0.08174396069212393,"num_words":11,"start":1699.555,"end":1746.1},{"sentences":[{"text":"Okay.","start":1753.1849,"end":1753.6849,"sentiment":"neutral","sentiment_score":-0.002745848149061203},{"text":"Yeah.","start":1758.3049,"end":1758.8049,"sentiment":"neutral","sentiment_score":0.1355849951505661},{"text":"Mhmm.","start":1811.815,"end":1812.315,"sentiment":"neutral","sentiment_score":0.11639511585235596},{"text":"Mhmm.","start":1851.67,"end":1852.17,"sentiment":"neutral","sentiment_score":0.15399962663650513},{"text":"Yep.","start":1874.4149,"end":1874.9149,"sentiment":"neutral","sentiment_score":-0.09542610496282578}],"sentiment":"neutral","sentiment_score":0.06156155690550804,"num_words":5,"start":1753.1849,"end":1874.9149},{"sentences":[{"text":"Mhmm.","start":1895.1849,"end":1895.6849,"sentiment":"neutral","sentiment_score":-0.024710170924663544},{"text":"Mhmm.","start":1966.7201,"end":1967.2201,"sentiment":"neutral","sentiment_score":0.10870107263326644},{"text":"Yep.","start":1990.925,"end":1991.425,"sentiment":"neutral","sentiment_score":0.19093981385231015},{"text":"Yep.","start":2001.14,"end":2001.38,"sentiment":"neutral","sentiment_score":0.15976449847221377},{"text":"Yeah.","start":2001.38,"end":2001.78,"sentiment":"neutral","sentiment_score":0.2974008023738861}],"sentiment":"neutral","sentiment_score":0.1464192032814026,"num_words":5,"start":1895.1849,"end":2001.78},{"sentences":[{"text":"Not a problem at all.","start":2001.78,"end":2002.92,"sentiment":"neutral","sentiment_score":0.319805508852005},{"text":"Mhmm.","start":2011.3151,"end":2011.8151,"sentiment":"neutral","sentiment_score":0.10571014136075974},{"text":"Yep.","start":2032.34,"end":2032.665,"sentiment":"neutral","sentiment_score":0.08985231816768646},{"text":"Yep.","start":2044.3451,"end":2044.8451,"sentiment":"neutral","sentiment_score":0.04234587773680687},{"text":"No.","start":2048.12,"end":2048.28,"sentiment":"neutral","sentiment_score":-0.033126600086688995}],"sentiment":"neutral","sentiment_score":0.20042325349317658,"num_words":9,"start":2001.78,"end":2048.28},{"sentences":[{"text":"That's good.","start":2048.28,"end":2049.08,"sentiment":"neutral","sentiment_score":0.1262090802192688},{"text":"Yep.","start":2049.08,"end":2049.58,"sentiment":"neutral","sentiment_score":0.11550195515155792},{"text":"Yep.","start":2059.0,"end":2059.5,"sentiment":"neutral","sentiment_score":0.03847529739141464},{"text":"Mhmm.","start":2059.8801,"end":2060.3801,"sentiment":"neutral","sentiment_score":0.04489649832248688},{"text":"Yep.","start":2062.775,"end":2063.275,"sentiment":"neutral","sentiment_score":0.15746097266674042}],"sentiment":"neutral","sentiment_score":0.10145881399512291,"num_words":6,"start":2048.28,"end":2063.275},{"sentences":[{"text":"Mhmm.","start":2102.7852,"end":2103.2852,"sentiment":"neutral","sentiment_score":0.02386031486093998},{"text":"No.","start":2107.29,"end":2107.53,"sentiment":"neutral","sentiment_score":-0.07415720820426941},{"text":"I think that's fine.","start":2107.53,"end":2108.49,"sentiment":"neutral","sentiment_score":0.030485554598271847},{"text":"Yeah.","start":2108.49,"end":2108.99,"sentiment":"neutral","sentiment_score":0.14977701008319855},{"text":"Mhmm.","start":2126.8052,"end":2127.3052,"sentiment":"neutral","sentiment_score":0.22525398433208463}],"sentiment":"neutral","sentiment_score":0.055834539933130145,"num_words":8,"start":2102.7852,"end":2127.3052},{"sentences":[{"text":"Okay.","start":2144.37,"end":2144.87,"sentiment":"neutral","sentiment_score":0.07941685616970062},{"text":"No.","start":2150.555,"end":2150.635,"sentiment":"neutral","sentiment_score":-0.004119932651519775},{"text":"That's all good.","start":2150.635,"end":2151.615,"sentiment":"neutral","sentiment_score":0.20332589745521545},{"text":"Yep.","start":2161.915,"end":2162.415,"sentiment":"neutral","sentiment_score":0.11777065694332124},{"text":"Mhmm.","start":2185.225,"end":2185.725,"sentiment":"neutral","sentiment_score":0.0908190906047821}],"sentiment":"neutral","sentiment_score":0.12769490906170436,"num_words":7,"start":2144.37,"end":2185.725},{"sentences":[{"text":"Yep.","start":2204.6052,"end":2205.1052,"sentiment":"neutral","sentiment_score":0.16392642259597778},{"text":"Yep.","start":2221.49,"end":2221.99,"sentiment":"neutral","sentiment_score":0.21597647666931152},{"text":"Okay.","start":2238.8352,"end":2239.3352,"sentiment":"neutral","sentiment_score":0.2175500988960266},{"text":"Yep.","start":2292.125,"end":2292.625,"sentiment":"neutral","sentiment_score":0.20734010636806488},{"text":"Okay.","start":2310.1301,"end":2310.53,"sentiment":"neutral","sentiment_score":0.1224227100610733}],"sentiment":"neutral","sentiment_score":0.18544316291809082,"num_words":5,"start":2204.6052,"end":2310.53},{"sentences":[{"text":"Yep.","start":2310.53,"end":2310.77,"sentiment":"neutral","sentiment_score":0.14378616213798523},{"text":"Not a problem.","start":2310.77,"end":2311.51,"sentiment":"neutral","sentiment_score":0.2783821125825246},{"text":"Mhmm.","start":2335.46,"end":2335.54,"sentiment":"neutral","sentiment_score":0.08408059179782867},{"text":"Yep.","start":2335.54,"end":2336.04,"sentiment":"neutral","sentiment_score":0.08900716155767441},{"text":"Mhmm.","start":2343.06,"end":2343.435,"sentiment":"neutral","sentiment_score":0.02224084734916687}],"sentiment":"neutral","sentiment_score":0.16775158579860414,"num_words":7,"start":2310.53,"end":2343.435},{"sentences":[{"text":"Yep.","start":2347.675,"end":2348.175,"sentiment":"neutral","sentiment_score":0.1880289316177368},{"text":"I think I've just found them, and they've got there's a beneficiary nomination form for hub 24, and then there's a nomination of beneficiary for one path.","start":2365.8,"end":2378.435,"sentiment":"neutral","sentiment_score":0.124822865895651},{"text":"These are two I need?","start":2378.435,"end":2379.7349,"sentiment":"neutral","sentiment_score":0.07501628398895263},{"text":"Okay.","start":2381.635,"end":2382.135,"sentiment":"neutral","sentiment_score":0.11486009508371352},{"text":"Mhmm.","start":2383.635,"end":2384.135,"sentiment":"neutral","sentiment_score":0.04349539801478386}],"sentiment":"neutral","sentiment_score":0.11690523496695927,"num_words":35,"start":2347.675,"end":2384.135},{"sentences":[{"text":"So I'm so I'm actually filling them both in for our legal personal representatives.","start":2386.115,"end":2394.32,"sentiment":"neutral","sentiment_score":0.03580985976649182},{"text":"Is that correct?","start":2394.3801,"end":2395.2002,"sentiment":"neutral","sentiment_score":0.04396764934062958},{"text":"Yep.","start":2396.2202,"end":2396.7202,"sentiment":"neutral","sentiment_score":0.10137372463941574},{"text":"Mhmm.","start":2400.06,"end":2400.56,"sentiment":"neutral","sentiment_score":0.09715387970209122},{"text":"Okay.","start":2402.135,"end":2402.535,"sentiment":"neutral","sentiment_score":0.25788700580596924}],"sentiment":"neutral","sentiment_score":0.05448277974501252,"num_words":20,"start":2386.115,"end":2402.535},{"sentences":[{"text":"Not a problem at all.","start":2402.535,"end":2403.335,"sentiment":"positive","sentiment_score":0.42074139714241027},{"text":"I'll get these filled in and hopefully chuck them in the post real soon.","start":2403.335,"end":2407.035,"sentiment":"positive","sentiment_score":0.38749910252434866},{"text":"I don't think so.","start":2416.77,"end":2417.6099,"sentiment":"neutral","sentiment_score":-0.15389304608106613},{"text":"I don't need to update you on my own, like, health insurances I'm paying and stuff.","start":2417.6099,"end":2421.81,"sentiment":"neutral","sentiment_score":-0.16160231595858932},{"text":"Do I?","start":2421.81,"end":2422.47,"sentiment":"neutral","sentiment_score":-0.04726193659007549}],"sentiment":"neutral","sentiment_score":0.10324295873685581,"num_words":41,"start":2402.535,"end":2422.47},{"sentences":[{"text":"Yep.","start":2426.05,"end":2426.55,"sentiment":"neutral","sentiment_score":-0.006129339337348938},{"text":"Yep.","start":2426.69,"end":2427.19,"sentiment":"neutral","sentiment_score":-0.016576208174228668},{"text":"Yes.","start":2431.49,"end":2431.97,"sentiment":"neutral","sentiment_score":0.016138194128870964},{"text":"Yep.","start":2431.97,"end":2432.325,"sentiment":"neutral","sentiment_score":0.019965628162026405},{"text":"Yep.","start":2453.4102,"end":2453.9102,"sentiment":"neutral","sentiment_score":0.005453748162835836}],"sentiment":"neutral","sentiment_score":0.00377040458843112,"num_words":5,"start":2426.05,"end":2453.9102},{"sentences":[{"text":"Yep.","start":2461.2449,"end":2461.7449,"sentiment":"neutral","sentiment_score":0.13250233232975006},{"text":"Perfect.","start":2461.805,"end":2462.305,"sentiment":"positive","sentiment_score":0.34929004311561584},{"text":"And if I was to decide to, like, rent my house out as an investment property going into, like, next year.","start":2464.125,"end":2474.9102,"sentiment":"neutral","sentiment_score":0.14949409663677216},{"text":"Is that something I need to update you guys on if I was to make that move?","start":2475.61,"end":2479.23,"sentiment":"neutral","sentiment_score":0.06336996616686091},{"text":"Mhmm.","start":2509.76,"end":2510.26,"sentiment":"neutral","sentiment_score":0.031853217631578445}],"sentiment":"neutral","sentiment_score":0.11537344017770232,"num_words":41,"start":2461.2449,"end":2510.26},{"sentences":[{"text":"Yep.","start":2536.85,"end":2537.35,"sentiment":"neutral","sentiment_score":0.32944101095199585},{"text":"Mhmm.","start":2542.61,"end":2543.11,"sentiment":"neutral","sentiment_score":0.20273098349571228},{"text":"Yep.","start":2547.565,"end":2548.065,"sentiment":"positive","sentiment_score":0.4242014288902282},{"text":"Amazing.","start":2548.125,"end":2548.625,"sentiment":"positive","sentiment_score":0.7407599687576294},{"text":"And as for ending up the financial year and the possibility of speaking to an accountant for tax time, do I just make that with appointment with you as well?","start":2549.085,"end":2558.28,"sentiment":"neutral","sentiment_score":0.29129392355680467}],"sentiment":"neutral","sentiment_score":0.3069397381999913,"num_words":34,"start":2536.85,"end":2558.28},{"sentences":[{"text":"Mhmm.","start":2562.36,"end":2562.86,"sentiment":"neutral","sentiment_score":0.07811428606510162},{"text":"Mhmm.","start":2570.84,"end":2571.34,"sentiment":"neutral","sentiment_score":0.10626586526632308},{"text":"Okay.","start":2578.2249,"end":2578.7249,"sentiment":"neutral","sentiment_score":0.10927587747573853},{"text":"Do they have, like, a, like, specialize in mining at all to help me out in that manner?","start":2584.56,"end":2589.1401,"sentiment":"neutral","sentiment_score":0.07253152990920676},{"text":"Mhmm.","start":2590.8,"end":2591.3,"sentiment":"neutral","sentiment_score":0.030521441251039505}],"sentiment":"neutral","sentiment_score":0.07407931856472384,"num_words":22,"start":2562.36,"end":2591.3},{"sentences":[{"text":"Yep.","start":2595.44,"end":2595.94,"sentiment":"neutral","sentiment_score":0.2844617962837219},{"text":"Yeah.","start":2607.695,"end":2608.195,"sentiment":"neutral","sentiment_score":0.12352384626865388},{"text":"Okay.","start":2608.335,"end":2608.835,"sentiment":"neutral","sentiment_score":-0.03457540273666382},{"text":"Yeah.","start":2624.3948,"end":2624.7148,"sentiment":"neutral","sentiment_score":0.16596154868602753},{"text":"If they could call me on next break, that would be that would be great.","start":2624.7148,"end":2628.255,"sentiment":"neutral","sentiment_score":0.28106410801410675}],"sentiment":"neutral","sentiment_score":0.25028070572175476,"num_words":19,"start":2595.44,"end":2628.255},{"sentences":[{"text":"So I go to work tomorrow for two weeks, so I'll be back on break on the twenty second.","start":2630.7148,"end":2636.255,"sentiment":"neutral","sentiment_score":0.04141979164590961},{"text":"So, basically, maybe maybe call from the twenty fifth onwards for the next week of that week.","start":2638.46,"end":2643.04,"sentiment":"neutral","sentiment_score":0.036615833749665934},{"text":"Yeah.","start":2646.14,"end":2646.64,"sentiment":"neutral","sentiment_score":0.018783846870064735},{"text":"Oh, actually, on WA time, I'm heading down to Margaret River with a friend.","start":2650.555,"end":2653.7551,"sentiment":"neutral","sentiment_score":0.02870729086654527},{"text":"Yeah.","start":2653.7551,"end":2654.2551,"sentiment":"neutral","sentiment_score":0.11122334003448486}],"sentiment":"neutral","sentiment_score":0.03733373988563052,"num_words":52,"start":2630.7148,"end":2654.2551},{"sentences":[{"text":"Yeah.","start":2655.675,"end":2656.175,"sentiment":"neutral","sentiment_score":0.17911282181739807},{"text":"Yep.","start":2660.075,"end":2660.555,"sentiment":"neutral","sentiment_score":0.2374831885099411},{"text":"That'd be great.","start":2660.555,"end":2661.455,"sentiment":"positive","sentiment_score":0.47725528478622437},{"text":"Kind of that midmorning to lunchtime is perfect, that ten to twelve.","start":2671.7,"end":2675.4,"sentiment":"neutral","sentiment_score":0.11288718491171797},{"text":"No.","start":2706.43,"end":2706.51,"sentiment":"neutral","sentiment_score":0.07377119362354279}],"sentiment":"neutral","sentiment_score":0.18204329318056503,"num_words":18,"start":2655.675,"end":2706.51},{"sentences":[{"text":"I think that's all, Veronica.","start":2706.51,"end":2707.63,"sentiment":"neutral","sentiment_score":0.16051594018936158},{"text":"I really appreciate it.","start":2707.63,"end":2708.51,"sentiment":"positive","sentiment_score":0.33465661853551865},{"text":"Thank you.","start":2708.51,"end":2709.225,"sentiment":"neutral","sentiment_score":0.29671964049339294},{"text":"Mhmm.","start":2715.5452,"end":2716.0452,"sentiment":"neutral","sentiment_score":0.08018738776445389},{"text":"I think yearly is fine at the moment.","start":2739.695,"end":2741.455,"sentiment":"neutral","sentiment_score":0.18503808602690697}],"sentiment":"neutral","sentiment_score":0.2147568766027689,"num_words":20,"start":2706.51,"end":2741.455},{"sentences":[{"text":"Yeah.","start":2741.455,"end":2741.775,"sentiment":"neutral","sentiment_score":0.08833900094032288},{"text":"Until until something starts to make change in my life.","start":2741.775,"end":2744.655,"sentiment":"neutral","sentiment_score":0.004354685358703136},{"text":"Yeah.","start":2744.655,"end":2745.155,"sentiment":"neutral","sentiment_score":0.1943506896495819},{"text":"Mhmm.","start":2751.695,"end":2752.195,"sentiment":"neutral","sentiment_score":0.09791941940784454},{"text":"Yep.","start":2765.23,"end":2765.73,"sentiment":"positive","sentiment_score":0.5157100558280945}],"sentiment":"neutral","sentiment_score":0.06713328710091966,"num_words":14,"start":2741.455,"end":2765.73},{"sentences":[{"text":"That would be amazing.","start":2765.79,"end":2766.77,"sentiment":"positive","sentiment_score":0.796707421541214},{"text":"Fingers crossed.","start":2778.365,"end":2779.2449,"sentiment":"positive","sentiment_score":0.597705751657486},{"text":"Thank you.","start":2779.2449,"end":2779.805,"sentiment":"positive","sentiment_score":0.7215657532215118},{"text":"Really appreciate it.","start":2779.805,"end":2780.8289,"sentiment":"positive","sentiment_score":0.5229163765907288},{"text":"Thanks for your time, Veronica.","start":2781.7087,"end":2783.0889,"sentiment":"positive","sentiment_score":0.7513025522232055}],"sentiment":"positive","sentiment_score":0.6969146616756916,"num_words":16,"start":2765.79,"end":2783.0889},{"sentences":[{"text":"Cheers.","start":2784.9888,"end":2785.4888,"sentiment":"positive","sentiment_score":0.6655394434928894},{"text":"Bye.","start":2785.7087,"end":2786.2087,"sentiment":"neutral","sentiment_score":-0.07925159484148026}],"sentiment":"neutral","sentiment_score":0.2931439243257046,"num_words":2,"start":2784.9888,"end":2786.2087}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Emma.\n\nChannel 1: Yes.\n\nChannel 0: This is Veronica from Financial. How are you?\n\nChannel 1: I'm good. Thanks, Veronica. How are you?\n\nChannel 0: Good. I had you booked in this afternoon to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yep. Yep. I'm just on my\n\nChannel 0: Yes.\n\nChannel 1: way home, but I should better talk. Yeah.\n\nChannel 0: Yeah. Perfect. If you cut that, though, or anything, just just let me know. Yeah.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. How's your day been? Just finished work? Or\n\nChannel 1: I've just come back from overseas. I flew back in from Bali yesterday, so today's a quiet day before work tomorrow.\n\nChannel 0: so jealous. How was it?\n\nChannel 1: It was good. Yeah. It was good.\n\nChannel 0: Yeah. Did you have good weather?\n\nChannel 1: There's a little bit of rain, but mostly overnight and in the morning, so then it would clear up, which was lucky.\n\nChannel 0: Oh, yeah. Beautiful. Well, I\n\nChannel 1: Yeah.\n\nChannel 0: will try not to give you too long. I'm sure you're a bit jealous and have things to do today. So I will try not to give you for too long. But before I do kind of jump into the annual review, I do like to start by asking if there is any specific areas you would like me to touch on today or any particular questions or just a bit of a catch up and see kind of what's happened in the last twelve months.\n\nChannel 1: Yeah. Just a bit of a catch up. I wanted to mention a few things. I've got a little list\n\nChannel 0: Mhmm.\n\nChannel 1: just to make sure I'm on the right path, really, because\n\nChannel 0: Yep.\n\nChannel 1: I bought a house in the last twelve months. I've\n\nChannel 0: Yes.\n\nChannel 1: changed my health insurance, and I've also moved job roles. So I kinda want to chat\n\nChannel 0: Okay.\n\nChannel 1: to you about all those things and make sure I'm still, yeah,\n\nChannel 0: It's\n\nChannel 1: on\n\nChannel 0: all\n\nChannel 1: the right path with you guys.\n\nChannel 0: yeah. Okay. Perfect. So what I might do then is kind of go through a bit of that fact find with you now, and they kind of update some of your information, and then we can kind of see if we need\n\nChannel 1: Yep.\n\nChannel 0: to make any tweaking changes to your advice based based on that. So you bought a property, which is great, because I know last time we spoke, that was kind of something you were looking at doing. So congratulations\n\nChannel 1: Yep.\n\nChannel 0: on the house.\n\nChannel 1: Thank you.\n\nChannel 0: Where how much is that one paid at? Do you know?\n\nChannel 1: Value that?\n\nChannel 0: Mhmm.\n\nChannel 1: I purchased it for $2.80.\n\nChannel 0: About $2.80. And mortgage attached to it?\n\nChannel 1: Currently, I've got $1.95 owing.\n\nChannel 0: Mhmm. One ninety five. Perfect. While we are talking about assets, I'll just reconfirm the other stuff I have. Your motor vehicle, right, out of us 38,000?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Perfect. And you don't have anything owing on that one?\n\nChannel 1: No. Nothing.\n\nChannel 0: No. And with your property as well, is the address which address is correct for you?\n\nChannel 1: For where I'm\n\nChannel 0: Yes.\n\nChannel 1: living, is well, I still have my stuff going to my dad's house so that when I'm five four, it still goes to him, if\n\nChannel 0: And\n\nChannel 1: that's\n\nChannel 0: you\n\nChannel 1: okay.\n\nChannel 0: is that the Tasmania property?\n\nChannel 1: Yeah. So 8\n\nChannel 0: Yes.\n\nChannel 1: 32 South Road.\n\nChannel 0: Yes. Oh, that's perfectly fine. As long as\n\nChannel 1: Yeah.\n\nChannel 0: you are happy with that,\n\nChannel 1: Yeah.\n\nChannel 0: then\n\nChannel 1: I've\n\nChannel 0: we\n\nChannel 1: still\n\nChannel 0: can\n\nChannel 1: currently\n\nChannel 0: leave that.\n\nChannel 1: just got things going there, so that that doesn't get sitting in my mailbox for two weeks.\n\nChannel 0: No. That's all good. We can leave that.\n\nChannel 1: Amazing.\n\nChannel 0: But your the property that you bought, is that over in WA or where is that?\n\nChannel 1: No. That's also on\n\nChannel 0: 0,\n\nChannel 1: King Island\n\nChannel 0: yeah. Perfect.\n\nChannel 1: in Tassie.\n\nChannel 0: Yep. Beautiful. And I also have a shared portfolio of about 4,000.\n\nChannel 1: Yeah. I need to work out I actually need to chase that up because I definitely had shares given to me through BHP, and I've never\n\nChannel 0: Yep.\n\nChannel 1: properly located them.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. I really need to put on my list of things to do to try and locate it and work out what the value of that is.\n\nChannel 0: Yep. Yeah. Perfect. No. That's good.\n\nThat's fine. So are you happy for me to just kind of leave it at 4,000 for now until we know?\n\nChannel 1: Yeah.\n\nChannel 0: Or\n\nChannel 1: Currently, should I just leave it? Because I yeah. I can't tell\n\nChannel 0: yeah.\n\nChannel 1: you what it would actually be at. I'll put it on my list\n\nChannel 0: Yeah.\n\nChannel 1: of things within.\n\nChannel 0: Yep. Perfect. Otherwise, do you have any other assets in the last twelve months or mainly just the property?\n\nChannel 1: Just the property and my vehicle.\n\nChannel 0: Just the\n\nChannel 1: Yeah.\n\nChannel 0: property.\n\nChannel 1: Pretty much.\n\nChannel 0: Yep. Perfect. And do you have any other liabilities, like personal loans or credit card or ZipPay?\n\nChannel 1: Only my credit card, but I zero it every time I get paid.\n\nChannel 0: Yep. So more just using it for, like, points and stuff.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Okay. No. That's fine. And employment wise.\n\nSo you said that changed. What are you doing now?\n\nChannel 1: Yep. So I'm still I'm working at Bolt Minerals still. So I think that's what I would\n\nChannel 0: Yep.\n\nChannel 1: that's what I told you last time,\n\nChannel 0: Yes.\n\nChannel 1: but I've moved up a job role. So I'm currently just signed a contract for a charge up position. So\n\nChannel 0: Oh,\n\nChannel 1: just\n\nChannel 0: beautiful.\n\nChannel 1: dealing with\n\nChannel 0: Congratulations.\n\nChannel 1: yeah. Thank you. Yeah. Just dealing with more of those explosives full time. I know I mentioned that in\n\nChannel 0: Yep.\n\nChannel 1: the in the health thing I did with you guys that\n\nChannel 0: Yep.\n\nChannel 1: I had I do handle explosives occasionally, but, yeah, now it's my full time role.\n\nChannel 0: Yep. And I am very glad we got your insurance assaulted before that change because with insurances, what happens is at the time of application, what we disclosed was correct, which is perfect\n\nChannel 1: Yep.\n\nChannel 0: because it was\n\nChannel 1: Okay.\n\nChannel 0: slightly less risky in that way.\n\nChannel 1: Yep.\n\nChannel 0: And that is perfectly fine. Now the only reason and we're not required to go to the insurance and say, hey. I've changed a more risky occupation. They aren't because it's already underwritten and tailored for you. The only reason\n\nChannel 1: Mhmm.\n\nChannel 0: I would go to the insurer is when clients move from a risky occupation to a non risky occupation. Because, obviously, if you are riskier, it's higher premiums\n\nChannel 1: Yep.\n\nChannel 0: and some restrictions potentially. So if, for example, you told me, oh, no. I'm no longer dealing with exposures whatsoever. I'm not even working in the mines. I'm just in the office.\n\nChannel 1: Yep.\n\nChannel 0: I would say, cool. I wanna go back to the insurance and see if I can get you better rates because it's safer.\n\nChannel 1: Excellent.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: that's your right. If when we have clients do the opposite, so for you, we wanna leave it because you have cover in place at the moment, which you are covered for. Now if your role change or becomes riskier, that's fine because you are still covered for your occupation. You're still covered at the time of underwriting. So I'm\n\nChannel 1: Okay.\n\nChannel 0: very glad\n\nChannel 1: Amazing.\n\nChannel 0: we got that in place for you because if we tried today with, obviously, you work more with explosives, they they very much say, too risky. Sorry. I'm glad we had that in place for you.\n\nChannel 1: Okay.\n\nChannel 0: I'll\n\nChannel 1: Amazing.\n\nChannel 0: still update our records, though, but in terms of updating occupation with insurance, we don't have to, which is great.\n\nChannel 1: Okay. Weekend.\n\nChannel 0: Yes. Okay. So still with the same in company. What's the title called now? Do you know?\n\nChannel 1: It's a charge up.\n\nChannel 0: Charge\n\nChannel 1: Yeah. Just\n\nChannel 0: up.\n\nChannel 1: charge up roll.\n\nChannel 0: Charge up role. Perfect. Still working, like, full time, flying, fly out.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. And that's still kind of underground as well?\n\nChannel 1: Yes. Correct. Yep.\n\nChannel 0: Yep. Yep. Perfect. And when did you change that?\n\nChannel 1: I only signed the contract last swing, but it was backdated to the January 8 of this\n\nChannel 0: Okay. Perfect. And because you're with the\n\nChannel 1: year.\n\nChannel 0: same employer, did any of your employer benefit change? Because I know that you have some insurances through the employer. So you have, like, your your income protection and a little bit of life attached to it. Do you know if any of that changed, or is it just because you're still with the same employer that stays in place?\n\nChannel 1: I'm still in the same employer at the moment. I\n\nChannel 0: Okay.\n\nChannel 1: don't believe any of that changed.\n\nChannel 0: Okay.\n\nChannel 1: The only the\n\nChannel 0: Perfect.\n\nChannel 1: only thing I was showing was my contract, which is basically what they require from me and my new pay rate. It didn't really have a lot\n\nChannel 0: Yeah.\n\nChannel 1: of\n\nChannel 0: Okay. Perfect. Well, that's good.\n\nChannel 1: detail.\n\nChannel 0: And the new pay, what's that one roughly at?\n\nChannel 1: It's a 150.\n\nChannel 0: Oh, and that's a nice increase. Makes a\n\nChannel 1: Yeah.\n\nChannel 0: bit of a difference, especially with\n\nChannel 1: It's\n\nChannel 0: the\n\nChannel 1: a good\n\nChannel 0: mortgage\n\nChannel 1: job.\n\nChannel 0: and stuff. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And no changes otherwise, yeah, in any benefits. Employer contribution stays the same at 12%, like, no changes there.\n\nChannel 1: Sorry. No. I think it's the same.\n\nChannel 0: No.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now I had here as well that you were saving about $1,500 a week at the last time we spoke. Is that still roughly the case, or are you saving a little bit more or less, obviously, with the property?\n\nChannel 1: I haven't I've kind of got rid of my savings account. My savings is the property. So whenever I've got spare cash, that's going straight onto the onto\n\nChannel 0: Yep.\n\nChannel 1: the loan.\n\nChannel 0: Except\n\nChannel 1: So\n\nChannel 0: of\n\nChannel 1: I think\n\nChannel 0: yeah.\n\nChannel 1: I\n\nChannel 0: Is\n\nChannel 1: borrowed\n\nChannel 0: that\n\nChannel 1: $1.20, and I've,\n\nChannel 0: mhmm.\n\nChannel 1: yeah,\n\nChannel 0: Yep.\n\nChannel 1: managed to pay that down $20.25 since\n\nChannel 0: Yep. Okay.\n\nChannel 1: September,\n\nChannel 0: Perfect.\n\nChannel 1: I believe.\n\nChannel 0: That's good. That's really good. And is that just in, like, an offset or do you pay directly on the loan?\n\nChannel 1: Yep. No. It's an offset, so I could always withdraw\n\nChannel 0: Yeah.\n\nChannel 1: back off it. Yeah.\n\nChannel 0: Yeah. Good. Perfect. No. That's that's good.\n\nChannel 1: Trying to keep the interest down.\n\nChannel 0: Exactly. Especially nowadays with everything\n\nChannel 1: Yep.\n\nChannel 0: as well.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. Otherwise, personal details. I have you down here as single with no financial dependence. That's still okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. And I don't have a next obtained on file for you. So in the event that we can't contact you, who is someone you would like to nominate? And that can be anybody.\n\nChannel 1: So I was going to with my next ticket, is that just for\n\nChannel 0: Mhmm.\n\nChannel 1: you you to call?\n\nChannel 0: Yes.\n\nChannel 1: I've been meaning to update my I think I have the letter there. I've been meaning to get it back to you guys, but I had to chase up my brother. I was gonna put him down as, like, the executor because I don't have, like, a dependent\n\nChannel 0: Mhmm.\n\nChannel 1: at all. So I wasn't sure about, like, whether there's\n\nChannel 0: How\n\nChannel 1: someone\n\nChannel 0: to do\n\nChannel 1: I can\n\nChannel 0: it?\n\nChannel 1: put down. But as next of kin, do you just want, like, an emergency\n\nChannel 0: Correct. Yeah. For for this, but we'll also touch on that their beneficiary forms as well. But for this purpose, just next step, Ken, it's literally just someone we can contact if you go completely able and we can't get in touch with you just to make sure\n\nChannel 1: contact?\n\nChannel 0: you're\n\nChannel 1: Yep.\n\nChannel 0: okay, essentially.\n\nChannel 1: Probably my dad.\n\nChannel 0: Yep. Perfect. And his best his name. Sorry?\n\nChannel 1: Brian, b r I a n.\n\nChannel 0: Y n. And same last name as you?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect. And best contact number?\n\nChannel 1: 0428\n\nChannel 0: Two eight. Yes.\n\nChannel 1: 621\n\nChannel 0: Two one. Yep.\n\nChannel 1: 011.\n\nChannel 0: 011. Perfect. Now with beneficiary as well, that is different. So that is so for your super and your insurances. So in the event that something were to happen to you.\n\nNow with those nominations, would you like us to resend it to you? Do you have them still? Just a matter\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: think I I think I\n\nChannel 0: completing\n\nChannel 1: have them\n\nChannel 0: them.\n\nChannel 1: still. I I held\n\nChannel 0: Okay.\n\nChannel 1: on to them until I saw my brother to double check whether he\n\nChannel 0: Yep.\n\nChannel 1: was happy\n\nChannel 0: Okay.\n\nChannel 1: to go on to it, and that was only in February he agreed, and I've been meaning to\n\nChannel 0: Okay.\n\nChannel 1: fill it in.\n\nChannel 0: That's okay.\n\nChannel 1: But if I put his details on as my beneficiary, how how well does that stand up?\n\nChannel 0: So that is a very good question because when it comes to superannuation, it's you have to follow the safe act, and it's quite strict on who you can actually nominate directly. So to nominate someone directly on that form, it has to be a valid nomination. Now the only people who are a valid nomination directly is either a spouse, a child, someone who is financially dependent on you, and you are in an interdependent relationship. But, basically, that that is someone who must remain financially dependent on you at the time of your passing. You need to have, like, a close personal relationship, live together, support each other.\n\nSo often, I have a lot of clients who are like, well, if I don't have any kids or I don't have a partner or I wanna give it through my brother, my mom and dad, my nephew and nieces, how do I do that? So the way that you can do it is you\n\nChannel 1: Yeah.\n\nChannel 0: would have to do it through a legal personal representative call. Basically, it's a fancy word for saying it reverts to your will. So the only little tricky part is that you would have to have a a will in place. And then in the will, you can stipulate whoever you want. So you can put your brother or your any family members or friends, and you can do different portions and and however you want to.\n\nIf the valid nomination is in place, then because, basically, how it works is your super insurance does not form part of your estate. So if something were to happen that falls outside of the estate, so some people can have a different nomination for Subaru Insurance to how you want your estate distributed. But if you would like it as part of the estate is where we would then nominate a legal personal representative. So in terms of completing the forms for you, if you would like your brother or any other family members or friends or anything like that, it would be on the form. We would complete it as a 100% going through your legal personal representative, it's called, on the form.\n\nThere's, like, a little tick box.\n\nChannel 1: Personal representative. Yeah.\n\nChannel 0: Yes. And then you would just have to, yeah, have a will\n\nChannel 1: Yeah.\n\nChannel 0: to do\n\nChannel 1: Because\n\nChannel 0: that.\n\nChannel 1: I went and got, which I also have with the paperwork, I believe, because I had intentions\n\nChannel 0: Yep.\n\nChannel 1: of getting it done, and it it's kind of fallen fallen\n\nChannel 0: That's\n\nChannel 1: off\n\nChannel 0: okay.\n\nChannel 1: top of my list. But I did\n\nChannel 0: Yeah.\n\nChannel 1: get a just a post office will, but I was\n\nChannel 0: Yes.\n\nChannel 1: also told on the grapevine that that doesn't stand up very well. So then I got stuck in a position where I wasn't too sure.\n\nChannel 0: It's it's it's kind of a bit like it's always the safest to go through a lawyer. It is the most comprehensive and airtight option. A will kit option is still better than having nothing. As long as you\n\nChannel 1: Yeah.\n\nChannel 0: read the instruction on the the will care and you complete it, then that's still a lot better option than not having anything. And a lot of the times, people don't wanna have to pay for a lawyer or if you estate is pretty simple, then having their post office is a lot better than having nothing there. Will it be as airtight as a lawyer? Usually not, but it's a lot better than having nothing. And I have so many people who who just on the will kit, and that's still fine.\n\nAs long as you kind of read the instructions to fill it out correctly, that would be, like, the biggest kind of risk. It is\n\nChannel 1: Mhmm.\n\nChannel 0: pretty straightforward with how you do it. And we say as well that if you do decide to do the post office will kit, you can always send me a copy of it if you would like, and then we can\n\nChannel 1: Okay.\n\nChannel 0: keep it on file as well, especially\n\nChannel 1: Yep.\n\nChannel 0: if, you know, you are obviously traveling or moving and stuff. It sometimes can get lost. That way, we have it on file along with your beneficiary nomination and, obviously, everything else. So\n\nChannel 1: Yep.\n\nChannel 0: if something were to happen, we have everything in one place.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. Does\n\nChannel 1: Yeah.\n\nChannel 0: that answer those questions?\n\nChannel 1: Pardon?\n\nChannel 0: Does that answer those questions for you, Emma?\n\nChannel 1: Yeah. Yeah. I think\n\nChannel 0: Yes.\n\nChannel 1: so. So\n\nChannel 0: Yeah.\n\nChannel 1: I still need to fill in the beneficiary. I can put down but, really, as my personal representative, but then followed\n\nChannel 0: Yes.\n\nChannel 1: up with the post office will\n\nChannel 0: Yes. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Any chance of\n\nChannel 1: Okay.\n\nChannel 0: sending it, yeah, to us. With having the will in place on your sorry. With having your legal personal representative on the form as well, it does make it easy if your situation ever changed and you wanna update your will. You don't have to update these forms because it just does it goes to your will. And then in your\n\nChannel 1: Yep.\n\nChannel 0: will, you can stipulate how you want it, or you can even have, you know, first person this. If something were to happen and that person's no longer, then I want this. Like, it gives you a bit more flexibility\n\nChannel 1: Yeah.\n\nChannel 0: with how to structure it, whereas, yeah, directly on the form, it's just choosing, you know, a couple of options, and it's quite limited in the box where you can fit it into.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Alright. And like I said, if you do complete if if you do decide to do the post office, you're more than welcome to just email me a copy, and I can\n\nChannel 1: Mhmm.\n\nChannel 0: always, yeah, keep it keep it on file for you.\n\nChannel 1: Yeah. That would be amazing, probably, just in\n\nChannel 0: Yeah.\n\nChannel 1: case.\n\nChannel 0: Yeah. And, also, let someone know where you have a copy, but, yeah, we can always keep a copy on file if we keep all your other financial records. So sometimes it is easier to keep it all together, and then that way, you know, just obviously let family stuff know that if something ever were to happen, give them our contact details, and then we have everything sorted.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now let me see here. Any other changes otherwise for you? Health and lifestyle, any changes, or that's kind of all the same?\n\nChannel 1: Yeah. No. Not really. I'm\n\nChannel 0: No.\n\nChannel 1: I'm not really playing football anymore.\n\nChannel 0: Mhmm.\n\nChannel 1: But other than that, not really. I've just been,\n\nChannel 0: Not\n\nChannel 1: yeah,\n\nChannel 0: really.\n\nChannel 1: working and staying home and then traveling when I can.\n\nChannel 0: Yeah. Beautiful. But no, like, significant health issues or injuries or\n\nChannel 1: No.\n\nChannel 0: surgeries\n\nChannel 1: It's not.\n\nChannel 0: or anything. That's beautiful. And I guess when it comes to goals for yourself, because you have now achieved what you were looking at in the next couple of years, which is to buy the property.\n\nChannel 1: Yep.\n\nChannel 0: And then I think you also, when we spoke last, had a a snowboard trip planned for Japan as well, I believe.\n\nChannel 1: Yes. I did do that.\n\nChannel 0: Oh, how was it?\n\nChannel 1: And that was amazing. Absolutely amazing.\n\nChannel 0: I can imagine. And was that snowboarding for the first time?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Oh, nice. And did you go okay?\n\nChannel 1: It was a lot harder\n\nChannel 0: It's\n\nChannel 1: than\n\nChannel 0: harder\n\nChannel 1: I was expecting,\n\nChannel 0: than you\n\nChannel 1: but\n\nChannel 0: think.\n\nChannel 1: by the end of it, I think we got it.\n\nChannel 0: Yeah. Oh, nice. So I guess,\n\nChannel 1: Really\n\nChannel 0: like,\n\nChannel 1: hard.\n\nChannel 0: with the next twelve months or so, what would be your your main focus or your main goal? Obviously, settling in through the property and job and everything, but do you have any other kind of financial goals that you are working towards or just to kind of build up your savings?\n\nChannel 1: I think it's just the build up my savings by putting it on\n\nChannel 0: Yep.\n\nChannel 1: that home line and just get myself\n\nChannel 0: Yep.\n\nChannel 1: back up into a into a good position. With\n\nChannel 0: Yep.\n\nChannel 1: the the loan increases and stuff that's happening, I just wanna keep on top of that, really.\n\nChannel 0: Yeah. No. Perfect. That's good. Now any other changes otherwise before I move on to the next thing, Emma?\n\nChannel 1: Yeah. No.\n\nChannel 0: That's all good. Okay.\n\nChannel 1: It's\n\nChannel 0: Perfect.\n\nChannel 1: all\n\nChannel 0: So the\n\nChannel 1: good.\n\nChannel 0: other thing is just to kind of quickly go through, it's another risk profile questionnaire, but it is a lot shorter than the one we did last time.\n\nChannel 1: Yeah.\n\nChannel 0: Just to see if there is anything that's changed in terms of your risk allocation, how you feel about markets, or anything like that.\n\nChannel 1: Yep.\n\nChannel 0: Again, multiple choice to make it nice and easy, and you might recognize some of the questions. But if not, just let me know if it doesn't make sense.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the the first question here is in regards to, how much risk you're willing to take for your superannuation. So, obviously, super is that long term. At the moment, you can't access it until you settle 60 if you stop working, but you do have plenty of time. But in terms of how much risk you're willing to take. So would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?\n\nChannel 1: I think that currently, it's still high to very high.\n\nChannel 0: Yep. Okay. Perfect. And in terms of volatility, so it's a fluctuations. So we're obviously seeing quite a bit of fluctuations in the last twelve months.\n\nFirst, we had everything, obviously, over in The US with Trump and tariffs and everything, and\n\nChannel 1: Mhmm.\n\nChannel 0: more recently, the war as well. So the last twelve months have been a little bit more turbulent. We have seen a bit of that fluctuation, but a lot of that too was due to general trends in the market. So not like one particular investment. It's just what is happening in in the world, basically.\n\nChannel 1: Yes.\n\nChannel 0: So in that scenario, if you ever notice a portfolio going down by 20% due to the general trends in the market and the world. Would you,\n\nChannel 1: Mhmm.\n\nChannel 0: if you had the option to do so, think that, well, now is potentially a good time to invest a little bit more while the prices are down. Would you be a bit more neutral or just kind of hold and wait to see what happens? Or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped?\n\nChannel 1: I think I would invest while it's down currently.\n\nChannel 0: Invest. Yeah. And would you say invest heavily or just kind of modestly?\n\nChannel 1: Probably moderately, but too heavy ish, but, like, not the whole lot.\n\nChannel 0: Yeah. Yeah. A little bit. Just just not everything. Okay.\n\nPerfect.\n\nChannel 1: Yeah.\n\nChannel 0: And in in terms of fluctuations again, so if you obviously notice some some investment fluctuates and go down, how would that make you feel? Would you say optimistic about potential future opportunities? Again, a bit more neutral, not making further investments. Concerned or highly anxious?\n\nChannel 1: Optimistic. I'll hold\n\nChannel 0: Optimistic.\n\nChannel 1: into it and see what happens.\n\nChannel 0: Yep. Perfect. And the last one here is, would you ever consider taking out a loan to borrow full stocks or funds?\n\nChannel 1: No.\n\nChannel 0: No. Would you ever consider taking out a loan to buy an investment property?\n\nChannel 1: Investment property. Yes.\n\nChannel 0: Mhmm. Okay. Perfect. Now that tells me here, Emma, that you have come out as a high growth investor, which is the portfolio we currently have you invested in. Do you remember what it means to be a high growth investor at all?\n\nChannel 1: More that it's getting invested harder and into more things to try and make more benefit.\n\nChannel 0: Yeah. Basically. So it's you're obviously trying to grow your super as much as possible while you do have plenty of time. Short term, there will be some some ups and downs and market fluctuations in order to try to achieve long term growth. And\n\nChannel 1: Mhmm.\n\nChannel 0: when it comes through the asset allocation, we do look about 90% in those growth assets. So, like, Australian shares, international shares, property, and commodities. And that is what's going to maximize those returns for you and about 10% in defensive. So, like, your cash, your gold, your fixed interest, limit fluctuations a little bit. Now are you still driving, or do you have access to your emails?\n\nChannel 1: I have access to emails at home now.\n\nChannel 0: Yeah. Okay. Perfect. If you would be able to jump into your email, I have just\n\nChannel 1: Mhmm.\n\nChannel 0: sent you some documents to go through. And one of them actually kind of fits into while we are talking about this just to kind of show you. Now we have changed the software recently as well,\n\nChannel 1: Mhmm.\n\nChannel 0: so it might look a little bit different to last time. But let me know if that email came through.\n\nChannel 1: Yep. I've got it here. It's got\n\nChannel 0: Okay.\n\nChannel 1: the sign a document.\n\nChannel 0: Yep. So before you click on the link process sign now, can you see a couple of attachments at the bottom of that email?\n\nChannel 1: Yep. Oh, yes. Yep.\n\nChannel 0: Yes. So if you can you see one where it says 2025 Vanguard index chart?\n\nChannel 1: Yes.\n\nChannel 0: Yep. If you can open that one for me.\n\nChannel 1: Yep. Got it.\n\nChannel 0: Yep. Perfect. Now this is kind of good while we are talking about your risk\n\nChannel 1: Mhmm.\n\nChannel 0: allocation and the portfolio. Have you ever seen something like this before?\n\nChannel 1: No. I don't think I\n\nChannel 0: No.\n\nChannel 1: have.\n\nChannel 0: So it is a good visual representation of what we are typically talking about when we are talking about the market. And it's often good to see and Vanguard is really good. They update this on a yearly basis\n\nChannel 1: Mhmm.\n\nChannel 0: to kind of show the different trends. So this one here, you can see dates back to 1995, and then all the ups and downs and all the the world stuff that's happened until 2025.\n\nChannel 1: Okay. Well,\n\nChannel 0: Yeah. So it is good. You can kind of see here, though, that long term market always goes up. Every single asset class goes up long term. Short term will be ups and downs and market fluctuations depending on what is happening in the world.\n\nChannel 1: Mhmm.\n\nChannel 0: So you can even see, you know, COVID. You can see that things took a pretty pretty big dip, but it\n\nChannel 1: Yeah.\n\nChannel 0: comes back around pretty quickly. And often when you see statistically as well when we we have those people that, you know, are trying to time the market, we typically say that, you know, not trying to time the market, and what matters more is actually the time in the market. Because\n\nChannel 1: Mhmm.\n\nChannel 0: often what we see as well that the biggest drops, which you can kind of see here on the graph, are very closely followed by pretty quickly come back around. So if you then, while things are going down, get quite nervous and sell out, you often then kind of miss out on the potential growth as long as you have\n\nChannel 1: Mhmm.\n\nChannel 0: the time behind you. So this also comes good, and the time frame comes good as well. So the closer you get to retirement, obviously, the less time you have for those fluctuations. And that's when we want to start shifting\n\nChannel 1: No.\n\nChannel 0: some of the growth into defensive to kind of stabilize things a little bit for you. Because if you wanna access your\n\nChannel 1: Yep.\n\nChannel 0: money tomorrow, I don't want that to be a dip right then. But, basically, the the high growth portfolio, 90% is those top four. So you\n\nChannel 1: Yep.\n\nChannel 0: can\n\nChannel 1: Okay.\n\nChannel 0: see those graphs grow the most. So you can even see in 1995, The US shares was 10,000. Today, 214,330\n\nChannel 1: Wow.\n\nChannel 0: 2. So massive difference, but also during that time, it seems the biggest amount of fluctuation.\n\nChannel 1: Mhmm.\n\nChannel 0: And then, yeah, 10% in those defensive, which you can see hasn't grown near as much, but they're a lot more stable. Does that make sense?\n\nChannel 1: Yep. Yeah. Yep.\n\nChannel 0: Yep. Yep. Now when we are looking at a time frame for a high growth portfolio, we like to ideally see about eight years until retirement to making sure you have enough time for those fluctuations. So from a time frame point of view, you you definitely have the eight years behind you as long as you are comfortable with the level of risk and stuff in a high growth portfolio. Is that something you're still comfortable with?\n\nChannel 1: Yeah. At this stage. Yeah.\n\nChannel 0: Yep. Yep. Perfect. So if at any point in time anything does change, just let me know. It doesn't have to be at a review point.\n\nChannel 1: Mhmm.\n\nChannel 0: But, yeah, often clients in similar ages to yourself, we see in high growth, if not even more, you're aggressive as well because you have the time. But it also comes down to, obviously, your risk capacity and stuff like that. Because I also, at the same time, have some clients who are, you know, early twenties that's super, super conservative.\n\nChannel 1: Mhmm.\n\nChannel 0: And if something fluctuates, they get really worried. But on the flip side, I also have someone who is, like, 65, 70 that goes, no. I'm\n\nChannel 1: Yep.\n\nChannel 0: comfortable with that. So time does play a big role, but also how you feel and how you would react in certain situation also plays it. Yep. Perfect. Now while we are on the email, let me\n\nChannel 1: Mhmm.\n\nChannel 0: see here. Can you also see the next one where it says twelve month hub 24 portfolio performance\n\nChannel 1: Yep.\n\nChannel 0: report? Can you see that? Yep. Perfect.\n\nChannel 1: Is it the the I r r?\n\nChannel 0: Yes. Yeah. Internal rate of return. So this one\n\nChannel 1: Yep.\n\nChannel 0: here might look a little bit messy. It sometimes does, but it does show you all your portfolio. It shows\n\nChannel 1: Mhmm.\n\nChannel 0: you what's happened in the last twelve months, and it shows you everything after fees. So on here, you can see all your individual investments and how they have performed. So kind of like we touched on the last twelve months, we have seen quite a bit of fluctuation. Despite that, though, your portfolio is still positive, which is good, because it has, yeah, been a bit volatile. So it is still up by about 3.93.\n\nNow, obviously, ideally,\n\nChannel 1: Mhmm.\n\nChannel 0: we would like to see it a bit higher, but it's not unexpected for what's happened in the market, especially during\n\nChannel 1: Okay.\n\nChannel 0: the, you know, periods of volatility and mixed performance across different sectors. What\n\nChannel 1: Yeah.\n\nChannel 0: is more important is that the portfolio was designed to be diversified. So rather than relying on one particular market or, like, a theme, the diversification help reduce the overall volatility, but then also kind of protect capital during weaker periods in certain areas. So when we do look at the individual investment, we can see that the strongest contributors to your portfolio is your gold, which was up by about 25%, which was pretty crazy, which also obviously benefited from that kind of ongoing geopolitical uncertainty and also, like, the inflation concerns we've had. You can also see that the iShares S and P five hundred was a strong contributor as well, which was supported by the continued strength in the large US companies.\n\nChannel 1: Mhmm.\n\nChannel 0: But then also the global infrastructure and thematic exposures added a lot of that stability and diversification to your portfolio. So overall, the portfolio has still held up pretty well given what's happened in the market, But it is something we always wanna continue through to research because things are always changing, and we do a lot of research on the investments. And if we foresee one investment not being like a cyclical trend at the moment and there's something a bit more going on, we wanna look at potentially changing that. Now there is one of the investments in your portfolio that I would like to do that with if you are happy with that, and that\n\nChannel 1: Mhmm.\n\nChannel 0: is your Benelon Australian equity. So that one was was one of the contributor through in not growing as much. And the one of the reason is that it was added to your portfolio because it was one of the best performing fund managers, and they've done really well. More recently, they've been a little bit slower with making their investment choices.\n\nChannel 1: Yep.\n\nChannel 0: And then one of the investments that they actually had in their portfolio was the Corporate Travel Group. And I'm not sure if you read or heard anything about it, but that company had a bit of issues with their reporting, which actually put everything on pause. So because they couldn't trade, it then kind of reflected everything in the share prices.\n\nChannel 1: Mhmm.\n\nChannel 0: So the investment committee would do a lot of research on the investments because we wanna make sure that at all points in time, we have you in the best investments possible. And the good thing with hub twenty four is that there's hundreds of hundreds of different choices. And if we perceive one like Benelung that we don't think is potentially going to be the best one moving forward, we then wanna look at changing it. So we have done a lot of research and found one that is quite similar in terms of because if we're swapping out an Australian market, we also wanna introduce another Australian market because we wanna keep the diversification. We don't want everything globally, everything in The US.\n\nWe wanna give you that diversification. So there is one that's called the the BetaShares Australia two hundred, which, again, does invest in the 200 largest companies in Australia. But instead of we've been along how they are kind of cheaper because it just tracks the 200 largest. So as a company grow and gets bigger, it gets added to the list, and if something gets smaller, it gets off the list. So it gets added to the list, and if something gets smaller, it gets off the list.\n\nSo\n\nChannel 1: Mhmm.\n\nChannel 0: it's it's a bit cheaper because of it, which does reduce the fees, which is great, but it also kind of performed a lot better than Benelung recently. So if you are happy with that, what I can do is I can issue you something that's called a record of the device just to say that we are going ahead to make that investment change, just that one for you.\n\nChannel 1: Yep.\n\nChannel 0: You don't have to sign it or anything like that. It's just for your records to to say that that's what we've done if you are happy with that. Yep? Okay.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Not a problem\n\nChannel 0: So\n\nChannel 1: at all.\n\nChannel 0: I, yeah, perfect. Now I will get that emailed through you. It might not be until either tomorrow, potentially Monday.\n\nChannel 1: Mhmm.\n\nChannel 0: But just keep a look at for your emails, and we'll go ahead and and make that change for you. And that should see see things as well. Hopefully, things do come down a little bit in the world. You never know, though. And kind of looking at that graph with Vanguard, it's it's not unusual for things to happen.\n\nAnd long term is where we do see see that growth.\n\nChannel 1: Yep.\n\nChannel 0: So that's why it is important to kind of look beyond twelve month period because on that graph, again, during some of those twelve month period, it looked amazing, whereas other years, not so much.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Does that make sense? Do you have any questions?\n\nChannel 1: No. That's good. Yep.\n\nChannel 0: Yep. Okay. Perfect. Now back to the email as well, you should see one where it's called super and insurance summary. Can you see that?\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Yep. Perfect. You're gonna open that one for me.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now this one here gives you a bit of a breakdown of your super balance and your insurances. So you have your super in Hub 24, and you do have about 72,562 in there, which is good. And you also have your one part insurance. So you have about a million dollars worth of life and TD.\n\nNow with your life and TPD, are you still happy with that level of cover if something were to happen? It obviously still will pay out the remaining mortgage or anything like that and still leave quite a bit extra. Are you still\n\nChannel 1: Mhmm.\n\nChannel 0: happy with that level of cover, or would you like to change anything?\n\nChannel 1: No. I think that's fine. Yeah.\n\nChannel 0: Yep. Perfect. And now you also do have that employer paid policy, which would be about last time we checked, it was about it was one year's worth of salary. So, obviously, if your salary has gone up, you probably get a little bit more now, which is good. And then\n\nChannel 1: Mhmm.\n\nChannel 0: also an income protection, and that was covering about 75% of your salary. And having a look at the contract last time, it does change with your salary. So if your salary did go up, then most likely, that will be about 75% of your salary as long as that still kind of stays the same for the employer.\n\nChannel 1: Okay.\n\nChannel 0: Now any questions about that?\n\nChannel 1: No. That's all good.\n\nChannel 0: No. Perfect. Now back to the email, you will also see one where it says COC, so certificate of currency for one pass. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So if you're gonna open that one, it just breaks down your insurances in a little bit more detail there for you. Now you can also see the premium here. So it says the total yearly premium.\n\nSo it's pretty cheap, which is good. So it's about $881 for both of those. So both a a $1,000,000 worth of life and the TPD for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now back to the email, you will have two more attachments. I will let you have a read over those in your own time. You have seen these before. It's one of those compliance documents.\n\nSo just the financial services guide and the OQ services guide. There's\n\nChannel 1: Yep.\n\nChannel 0: no major changes to any of the information there. It's basically just we've had a bit of an update to marketing. So as you do go and have a look at it, you will see we have some new updated photos, which is nice. And we've also had a bit of an extension to the team, which is great as well. So\n\nChannel 1: Yep.\n\nChannel 0: I'll let you have a read over that in your own time. But, otherwise, the last thing is if you are happy to do so is if you then press where it says sign now or request signature, it should ask you to sign two documents.\n\nChannel 1: Okay.\n\nChannel 0: Now one of them is your ongoing service agreement, and that is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. So it stays exactly the same at that 1.65 from Sousa. No changes whatsoever in regards to it, and it is not a lock in contract. So if at any point in time you are not happy with the service or you were just not happy, no lock in contract, no extra fees, or anything like that.\n\nSo this just lets us service your account and everything in the meantime and just to make sure that, obviously, yeah, you are happy with everything and that's something we'll then upload through Hub twenty four so we can keep making those investment changes and stuff for you.\n\nChannel 1: Yep.\n\nChannel 0: And then the last one where it should ask you to add a signature is where it says tax file number, I should say, which is just asking you to sign. It's just a compliance form to say that we are keeping your tax file number since you're unsafe on file.\n\nChannel 1: Okay. Yep. Not a problem.\n\nChannel 0: Yep. Perfect. So, yeah, basically, from here is if you wanna have a read through the documents, more than welcome to. When you have a moment, sorry. If you, yeah, have a read through any questions, let me know.\n\nOtherwise, we do need you to sign those documents. Once you have signed it, it should say validate, and they will then send it back to the team, or we can get that all processed for you.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And in the meantime, I will draw up that record of advice for you to say that we are doing that investment change. You don't\n\nChannel 1: Mhmm.\n\nChannel 0: need to sign it. Like I said, it's just for your reference so you can see the change.\n\nChannel 1: Yep.\n\nChannel 0: I'll keep a lookout on my emails as well, for your will if it does come through, and then also in the post for your beneficiary forms as well. If you can't locate them or you would like us to resend them to you, just let me know as well.\n\nChannel 1: I think I've just found them, and they've got there's a beneficiary nomination form for hub\n\nChannel 0: Yes.\n\nChannel 1: 24,\n\nChannel 0: Mhmm.\n\nChannel 1: and then there's a nomination of beneficiary for one path. These are two I need?\n\nChannel 0: Correct. Yeah. Hub 24,\n\nChannel 1: Okay.\n\nChannel 0: that's for your super, and then one\n\nChannel 1: Mhmm.\n\nChannel 0: pass is for your insurances. So you can\n\nChannel 1: So\n\nChannel 0: do the same both yep.\n\nChannel 1: I'm so I'm actually filling them both in for our legal personal representatives. Is that correct?\n\nChannel 0: Correct. Yes. Yep. If\n\nChannel 1: Yep.\n\nChannel 0: you would like it to go to the will and then, like, your brother and stuff, then yes.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. That's the way to do it.\n\nChannel 1: Okay. Not a problem at all. I'll get these filled in and hopefully chuck them in the post real soon.\n\nChannel 0: Yes. Perfect. Now do you have any other questions for me otherwise before I let you go and enjoy the rest of your afternoon, Emma?\n\nChannel 1: I don't think so. I don't need to update you on my own, like, health insurances I'm paying and stuff. Do I?\n\nChannel 0: No. As long as you do have one,\n\nChannel 1: Yep.\n\nChannel 0: just because of\n\nChannel 1: Yep.\n\nChannel 0: your income, that's private health insure sorry. That's hospital as well?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yes. Okay. Perfect. No. That's fine.\n\nIt doesn't really change anything. It's more so for us, it's just knowing if you have it or not. Because especially because you are a high income earner, if you don't have hospitals as part of it, you would then unfortunately have to pay that additional Medicare levy surcharge for additional tax. That's why having\n\nChannel 1: Yep.\n\nChannel 0: it, you don't, which which is great. So, yeah, because your income is is high, it is good that you do have the private health for that purpose at least.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: And if I was to decide to, like, rent my house out as an investment property going into, like, next year. Is that something I need to update you guys on if I was to make that move?\n\nChannel 0: Mhmm. Mhmm. Not really. Unless it changes, like, unless you want assistance with anything. So if you were just changing it and you struggle with cash flow, we can definitely assist you with that.\n\nIt would just be more so if your wishes and goals changes. So if it is that you change your your property and it's you want more or less for insurances, if something were to happen because it pays off yourself, that would seem when we would make changes.\n\nChannel 1: Mhmm.\n\nChannel 0: But in terms of if you own it or not, it doesn't really change your your super or anything like that. And if we're not doing, like, directly, like, cash flow management, then then no. But if it is something you wanna assess or look at, let me know. And at the same time, if you want another opinion for a a lender or mortgage broker to assessing for you, again, let me know because we have a couple of contacts that we work closely with. I can just do a\n\nChannel 1: Yep.\n\nChannel 0: couple of proposals for you. Just to let you know what things might look like\n\nChannel 1: Mhmm.\n\nChannel 0: and see if it's, you know, obviously doable and how that would look fine as well.\n\nChannel 1: Yep. Amazing.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Perfect.\n\nChannel 1: as for ending up the financial year and the possibility\n\nChannel 0: Mhmm.\n\nChannel 1: of speaking to an accountant for tax time, do I just make that\n\nChannel 0: Yes.\n\nChannel 1: with appointment with you as well?\n\nChannel 0: So it is with one of our partners.\n\nChannel 1: Mhmm.\n\nChannel 0: So I can either get them either you can tell me email me and say, hey. I want someone to contact me,\n\nChannel 1: Mhmm.\n\nChannel 0: or I can pass on your information through them and get them to give you a call. Or I can\n\nChannel 1: Okay.\n\nChannel 0: send you an email with their contact details, and then you can call them whenever you want to. Whatever works best for you.\n\nChannel 1: Do they have, like, a, like, specialize in mining at all to help me out in that manner?\n\nChannel 0: There are different\n\nChannel 1: Mhmm.\n\nChannel 0: ones that specializes in different things. They are very versatile,\n\nChannel 1: Yep.\n\nChannel 0: but I can give them a call as well just to see which one would be more suitable for you. But we do have a lot of clients that work in the mine that do work with them.\n\nChannel 1: Yeah.\n\nChannel 0: So I'm\n\nChannel 1: Okay.\n\nChannel 0: sure there would be a to carry across it, but I can would you like me to send you their contact details, or would you like me to contact them and then for them to give you a call and see how things would work, booking an appointment.\n\nChannel 1: Yeah. If they could call me on next break, that would be that\n\nChannel 0: Yep.\n\nChannel 1: would be great.\n\nChannel 0: And when is that?\n\nChannel 1: So I go to work tomorrow for two weeks, so I'll be back on break on the twenty second.\n\nChannel 0: The '20\n\nChannel 1: So,\n\nChannel 0: second\n\nChannel 1: basically,\n\nChannel 0: of\n\nChannel 1: maybe maybe call from the twenty fifth onwards for the next week\n\nChannel 0: okay.\n\nChannel 1: of that week.\n\nChannel 0: May 25 for that week. And\n\nChannel 1: Yeah.\n\nChannel 0: will you be on Tasmania time at the time?\n\nChannel 1: Oh, actually, on WA time, I'm heading down\n\nChannel 0: WA\n\nChannel 1: to Margaret River\n\nChannel 0: time.\n\nChannel 1: with a friend. Yeah.\n\nChannel 0: Oh, lovely. Oh, perfect. Just\n\nChannel 1: Yeah.\n\nChannel 0: so I let them know as well so they don't call you too early in the morning\n\nChannel 1: Yep. That'd be\n\nChannel 0: with\n\nChannel 1: great.\n\nChannel 0: the time difference. Okay. So May 25 for that week. And do you prefer morning or afternoon or just kind of any time? And then if you're not available, just give them a callback.\n\nChannel 1: Kind of that midmorning to lunchtime is\n\nChannel 0: Midmorning.\n\nChannel 1: perfect, that ten to twelve.\n\nChannel 0: Okay. So about ten to twelve WA time. Great. I will get in touch with them and get them through to give you a call, and I will also just triple check that they are very across, obviously, mining and stuff like that. But like I said, we do have quite a lot of clients that do work in the mine that that use them as well.\n\nBut I'll just flag that as a little thing just to make sure. Otherwise, I will get in touch with them and get them to give you a call. Is there anything else or any other questions you have for me, Emma?\n\nChannel 1: No. I think that's all, Veronica. I really appreciate\n\nChannel 0: No?\n\nChannel 1: it. Thank you.\n\nChannel 0: No. No problem. And if anything does change even, like, throughout the year for you as well, like,\n\nChannel 1: Mhmm.\n\nChannel 0: we can do more frequent catch up. So if it is that you want a bit more of, you know what? I don't wanna wait twelve months. I would like six months to catch up to see, you know, how my super is now tracking or changes. We can do however frequent catch up you would like as well.\n\nSo are you happy with yearly? Would you like six monthly, three months, or what do you what do you prefer?\n\nChannel 1: I think yearly is fine at the moment.\n\nChannel 0: Jelly?\n\nChannel 1: Yeah. Until\n\nChannel 0: Okay.\n\nChannel 1: until something starts to make change in my life. Yeah.\n\nChannel 0: Yeah. Yeah. And if anything does change, like I said, at any point in time, it's all part of the service. You can email or call me whenever you want to. So even if\n\nChannel 1: Mhmm.\n\nChannel 0: you just have some questions, you can do that. Or, yeah, if anything does change that you are looking at making a drastic change or anything, just let me know, and we can always just kind of go through if we need to make any, you know, changes or anything for you.\n\nChannel 1: Yep. That would be amazing.\n\nChannel 0: Yep. Yep. Perfect. Well, I'm always here if you need anything or have any questions. Otherwise, I will let you go, and enjoy the rest of the afternoon.\n\nAnd, hopefully, everything goes nice back at work tomorrow.\n\nChannel 1: Fingers crossed. Thank you. Really\n\nChannel 0: Yeah.\n\nChannel 1: appreciate\n\nChannel 0: No\n\nChannel 1: it.\n\nChannel 0: worries. No worries.\n\nChannel 1: Thanks\n\nChannel 0: I'm always\n\nChannel 1: for\n\nChannel 0: big\n\nChannel 1: your time, Veronica.\n\nChannel 0: thank you. Bye.\n\nChannel 1: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.03886396810412407}],"sentiment":"neutral","sentiment_score":0.03886396810412407,"channel":1,"num_words":1,"start":1.76,"end":2.26},{"sentences":[{"text":"Good afternoon.","start":2.96,"end":3.6,"sentiment":"neutral","sentiment_score":0.2943204492330551},{"text":"This is Emma.","start":3.6,"end":4.42,"sentiment":"neutral","sentiment_score":0.17204254368940988}],"sentiment":"neutral","sentiment_score":0.22095370590686797,"channel":0,"num_words":5,"start":2.96,"end":4.42},{"sentences":[{"text":"Yes.","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.17985796928405762}],"sentiment":"neutral","sentiment_score":0.17985796928405762,"channel":1,"num_words":1,"start":5.12,"end":5.62},{"sentences":[{"text":"This is Veronica from Financial.","start":6.08,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.18360665440559387},{"text":"How are you?","start":8.32,"end":9.139999,"sentiment":"neutral","sentiment_score":0.21739148100217184}],"sentiment":"neutral","sentiment_score":0.1962759643793106,"channel":0,"num_words":8,"start":6.08,"end":9.139999},{"sentences":[{"text":"I'm good.","start":9.44,"end":9.92,"sentiment":"positive","sentiment_score":0.588945209980011},{"text":"Thanks, Veronica.","start":9.92,"end":10.639999,"sentiment":"positive","sentiment_score":0.6755879819393158},{"text":"How are you?","start":10.639999,"end":11.38,"sentiment":"positive","sentiment_score":0.41181695461273193}],"sentiment":"positive","sentiment_score":0.5377881782395499,"channel":1,"num_words":7,"start":9.44,"end":11.38},{"sentences":[{"text":"Good.","start":11.92,"end":12.42,"sentiment":"positive","sentiment_score":0.5086997747421265},{"text":"I had you booked in this afternoon to go over your annual review.","start":13.715,"end":16.994999,"sentiment":"positive","sentiment_score":0.39677741206609285},{"text":"Is now still a good time for you?","start":16.994999,"end":18.695,"sentiment":"positive","sentiment_score":0.36740200594067574}],"sentiment":"positive","sentiment_score":0.3911828263239427,"channel":0,"num_words":22,"start":11.92,"end":18.695},{"sentences":[{"text":"Yep.","start":19.265,"end":19.505001,"sentiment":"neutral","sentiment_score":0.10030530393123628},{"text":"Yep.","start":19.505001,"end":19.744999,"sentiment":"neutral","sentiment_score":0.08061455935239792},{"text":"I'm just on my","start":19.744999,"end":20.385,"sentiment":"neutral","sentiment_score":0.07353723421692848}],"sentiment":"neutral","sentiment_score":0.07917813335855801,"channel":1,"num_words":6,"start":19.265,"end":20.385},{"sentences":[{"text":"Yes.","start":20.275,"end":20.775,"sentiment":"neutral","sentiment_score":0.06845380365848541}],"sentiment":"neutral","sentiment_score":0.06845380365848541,"channel":0,"num_words":1,"start":20.275,"end":20.775},{"sentences":[{"text":"way home, but I should better talk.","start":20.385,"end":21.744999,"sentiment":"neutral","sentiment_score":0.10447421776396888},{"text":"Yeah.","start":21.744999,"end":22.244999,"sentiment":"neutral","sentiment_score":0.13652560114860535}],"sentiment":"neutral","sentiment_score":0.10848064068704844,"channel":1,"num_words":8,"start":20.385,"end":22.244999},{"sentences":[{"text":"Yeah.","start":22.355,"end":22.675,"sentiment":"neutral","sentiment_score":0.2106425166130066},{"text":"Perfect.","start":22.675,"end":23.075,"sentiment":"positive","sentiment_score":0.4102080464363098},{"text":"If you cut that, though, or anything, just just let me know.","start":23.075,"end":26.34,"sentiment":"neutral","sentiment_score":0.19250760103265444},{"text":"Yeah.","start":26.34,"end":26.84,"sentiment":"neutral","sentiment_score":0.14110952615737915}],"sentiment":"neutral","sentiment_score":0.20480342010656993,"channel":0,"num_words":15,"start":22.355,"end":26.84},{"sentences":[{"text":"Yep.","start":26.705,"end":27.105,"sentiment":"neutral","sentiment_score":0.1386873722076416},{"text":"No worries.","start":27.105,"end":27.845001,"sentiment":"neutral","sentiment_score":0.20191122591495514}],"sentiment":"neutral","sentiment_score":0.1808366080125173,"channel":1,"num_words":3,"start":26.705,"end":27.845001},{"sentences":[{"text":"Perfect.","start":28.18,"end":28.68,"sentiment":"positive","sentiment_score":0.4664318561553955},{"text":"How's your day been?","start":28.74,"end":29.62,"sentiment":"neutral","sentiment_score":0.2678903602063656},{"text":"Just finished work?","start":29.62,"end":30.68,"sentiment":"neutral","sentiment_score":0.1433564176162084},{"text":"Or","start":30.74,"end":31.24,"sentiment":"neutral","sentiment_score":0.13927388191223145}],"sentiment":"neutral","sentiment_score":0.23414849241574606,"channel":0,"num_words":9,"start":28.18,"end":31.24},{"sentences":[{"text":"I've just come back from overseas.","start":32.16,"end":34.02,"sentiment":"neutral","sentiment_score":0.162134679655234},{"text":"I flew back in from Bali yesterday, so today's a quiet day before work tomorrow.","start":34.239998,"end":37.86,"sentiment":"neutral","sentiment_score":0.2819446543852488}],"sentiment":"neutral","sentiment_score":0.247713233033816,"channel":1,"num_words":21,"start":32.16,"end":37.86},{"sentences":[{"text":"so jealous.","start":38.42,"end":39.14,"sentiment":"neutral","sentiment_score":0.2407231479883194},{"text":"How was it?","start":39.14,"end":40.12,"sentiment":"neutral","sentiment_score":0.2409784346818924}],"sentiment":"neutral","sentiment_score":0.24087632000446318,"channel":0,"num_words":5,"start":38.42,"end":40.12},{"sentences":[{"text":"It was good.","start":40.64,"end":41.44,"sentiment":"positive","sentiment_score":0.5585054556528727},{"text":"Yeah.","start":41.44,"end":41.6,"sentiment":"positive","sentiment_score":0.4178012609481811},{"text":"It was good.","start":41.6,"end":42.42,"sentiment":"positive","sentiment_score":0.5140620271364847}],"sentiment":"positive","sentiment_score":0.5193576727594648,"channel":1,"num_words":7,"start":40.64,"end":42.42},{"sentences":[{"text":"Yeah.","start":42.065002,"end":42.565002,"sentiment":"neutral","sentiment_score":0.2451062798500061},{"text":"Did you have good 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that.","start":1159.71,"end":1167.2949,"sentiment":"neutral","sentiment_score":-0.029342599135513108}],"sentiment":"neutral","sentiment_score":-0.029342599135513108,"channel":0,"num_words":24,"start":1159.71,"end":1167.2949},{"sentences":[{"text":"Yep.","start":1167.8151,"end":1168.3151,"sentiment":"neutral","sentiment_score":0.010541792958974838}],"sentiment":"neutral","sentiment_score":0.010541792958974838,"channel":1,"num_words":1,"start":1167.8151,"end":1168.3151},{"sentences":[{"text":"Again, multiple choice to make it nice and easy, and you might recognize some of the questions.","start":1167.835,"end":1171.9349,"sentiment":"neutral","sentiment_score":0.06428420006790582},{"text":"But if not, just let me know if it doesn't make 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been a little bit more turbulent.","start":1229.5751,"end":1232.3151,"sentiment":"neutral","sentiment_score":-0.11099942463139693},{"text":"We have seen a bit of that fluctuation, but a lot of that too was due to general trends in the market.","start":1232.375,"end":1239.32,"sentiment":"neutral","sentiment_score":-0.11268374865705316},{"text":"So not like one particular investment.","start":1239.32,"end":1241.08,"sentiment":"neutral","sentiment_score":-0.1445710820456346},{"text":"It's just what is happening in in the world, 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you,","start":1254.145,"end":1254.965,"sentiment":"neutral","sentiment_score":0.01773970201611519}],"sentiment":"neutral","sentiment_score":-0.06364933560015978,"channel":0,"num_words":27,"start":1244.5199,"end":1254.965},{"sentences":[{"text":"Mhmm.","start":1254.495,"end":1254.995,"sentiment":"neutral","sentiment_score":0.051415883004665375}],"sentiment":"neutral","sentiment_score":0.051415883004665375,"channel":1,"num_words":1,"start":1254.495,"end":1254.995},{"sentences":[{"text":"if you had the option to do so, think that, well, now is potentially a good time to invest a little bit more while the prices are down.","start":1255.105,"end":1261.845,"sentiment":"neutral","sentiment_score":0.1050068869122437},{"text":"Would you be a bit more neutral or just kind of hold and wait to see what happens?","start":1262.5,"end":1266.6,"sentiment":"neutral","sentiment_score":-0.008479280397295952},{"text":"Or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped?","start":1267.22,"end":1273.32,"sentiment":"neutral","sentiment_score":-0.04664781025570372}],"sentiment":"neutral","sentiment_score":0.02485023406536683,"channel":0,"num_words":69,"start":1255.105,"end":1273.32},{"sentences":[{"text":"I think I would invest while it's down currently.","start":1274.675,"end":1276.935,"sentiment":"neutral","sentiment_score":-0.024288367480039597}],"sentiment":"neutral","sentiment_score":-0.024288367480039597,"channel":1,"num_words":9,"start":1274.675,"end":1276.935},{"sentences":[{"text":"Invest.","start":1276.755,"end":1277.235,"sentiment":"neutral","sentiment_score":0.022070258855819706},{"text":"Yeah.","start":1277.235,"end":1277.475,"sentiment":"neutral","sentiment_score":0.046220265328884125},{"text":"And would you say invest heavily or just kind of 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everything.","start":1290.29,"end":1291.59,"sentiment":"neutral","sentiment_score":-0.03038378804922104},{"text":"Okay.","start":1291.65,"end":1292.15,"sentiment":"neutral","sentiment_score":0.11269132047891615}],"sentiment":"neutral","sentiment_score":-0.005709083937108518,"channel":0,"num_words":10,"start":1288.93,"end":1292.15},{"sentences":[{"text":"Perfect.","start":1292.21,"end":1292.71,"sentiment":"neutral","sentiment_score":0.20635437965393064}],"sentiment":"neutral","sentiment_score":0.20635437965393064,"channel":0,"num_words":1,"start":1292.21,"end":1292.71},{"sentences":[{"text":"Yeah.","start":1292.28,"end":1292.78,"sentiment":"neutral","sentiment_score":0.11056968569755554}],"sentiment":"neutral","sentiment_score":0.11056968569755554,"channel":1,"num_words":1,"start":1292.28,"end":1292.78},{"sentences":[{"text":"And in in terms of fluctuations again, so if you obviously notice some some investment fluctuates and go down, how would that make you feel?","start":1294.37,"end":1304.8151,"sentiment":"neutral","sentiment_score":0.10388944268226624},{"text":"Would you say optimistic about potential future opportunities?","start":1305.1951,"end":1309.135,"sentiment":"neutral","sentiment_score":0.16926107928156853},{"text":"Again, a bit more neutral, not making further investments.","start":1310.4751,"end":1313.4551,"sentiment":"neutral","sentiment_score":-0.013185857070816888},{"text":"Concerned or highly anxious?","start":1314.57,"end":1316.51,"sentiment":"neutral","sentiment_score":-0.1599375382065773}],"sentiment":"neutral","sentiment_score":0.06941090945316397,"channel":0,"num_words":46,"start":1294.37,"end":1316.51},{"sentences":[{"text":"Optimistic.","start":1317.265,"end":1317.765,"sentiment":"neutral","sentiment_score":0.12175589054822922},{"text":"I'll 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and the portfolio.","start":1466.83,"end":1468.45,"sentiment":"neutral","sentiment_score":0.10403382405638695},{"text":"Have you ever seen something like this before?","start":1469.71,"end":1471.57,"sentiment":"neutral","sentiment_score":0.04160261247307062}],"sentiment":"neutral","sentiment_score":0.062413016334176064,"channel":0,"num_words":12,"start":1466.83,"end":1471.57},{"sentences":[{"text":"No.","start":1472.0599,"end":1472.38,"sentiment":"neutral","sentiment_score":-0.04493114352226257},{"text":"I don't think 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really good.","start":1480.735,"end":1483.215,"sentiment":"positive","sentiment_score":0.6866348819299177},{"text":"They update this on a yearly basis","start":1483.215,"end":1485.075,"sentiment":"positive","sentiment_score":0.3461111698831831}],"sentiment":"neutral","sentiment_score":0.31499850234160054,"channel":0,"num_words":39,"start":1474.095,"end":1485.075},{"sentences":[{"text":"Mhmm.","start":1485.715,"end":1486.215,"sentiment":"neutral","sentiment_score":0.1799277365207672}],"sentiment":"neutral","sentiment_score":0.1799277365207672,"channel":1,"num_words":1,"start":1485.715,"end":1486.215},{"sentences":[{"text":"to kind of show the different trends.","start":1485.75,"end":1487.75,"sentiment":"neutral","sentiment_score":0.10808421671390533},{"text":"So this one here, you can see dates back to 1995, and then all the ups and downs and all the the world stuff that's happened until 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the most.","start":1586.135,"end":1588.0549,"sentiment":"neutral","sentiment_score":0.2082779755194982},{"text":"So you can even see in 1995, The US shares was 10,000.","start":1588.0549,"end":1592.715,"sentiment":"neutral","sentiment_score":0.09408619068562984},{"text":"Today, 214,330","start":1593.2,"end":1596.24,"sentiment":"neutral","sentiment_score":0.05029335618019104}],"sentiment":"neutral","sentiment_score":0.12396444268524646,"channel":0,"num_words":20,"start":1586.135,"end":1596.24},{"sentences":[{"text":"Wow.","start":1595.945,"end":1596.445,"sentiment":"neutral","sentiment_score":0.1802053153514862}],"sentiment":"neutral","sentiment_score":0.1802053153514862,"channel":1,"num_words":1,"start":1595.945,"end":1596.445},{"sentences":[{"text":"2.","start":1596.24,"end":1596.74,"sentiment":"neutral","sentiment_score":0.05729134753346443},{"text":"So massive difference, but also during that time, it seems the biggest amount of 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that?","start":1700.265,"end":1701.0651,"sentiment":"neutral","sentiment_score":0.06113887298852205},{"text":"Yep.","start":1701.0651,"end":1701.385,"sentiment":"neutral","sentiment_score":0.06939022988080978},{"text":"Perfect.","start":1701.385,"end":1701.885,"sentiment":"neutral","sentiment_score":0.2052287459373474}],"sentiment":"neutral","sentiment_score":0.08405398417796407,"channel":0,"num_words":7,"start":1699.705,"end":1701.885},{"sentences":[{"text":"Is it the the I r r?","start":1701.875,"end":1704.215,"sentiment":"neutral","sentiment_score":0.0761167188840253}],"sentiment":"neutral","sentiment_score":0.0761167188840253,"channel":1,"num_words":7,"start":1701.875,"end":1704.215},{"sentences":[{"text":"Yes.","start":1704.6,"end":1705.0801,"sentiment":"neutral","sentiment_score":0.06400968134403229},{"text":"Yeah.","start":1705.0801,"end":1705.4,"sentiment":"neutral","sentiment_score":0.04496123269200325},{"text":"Internal rate of return.","start":1705.4,"end":1707.0,"sentiment":"neutral","sentiment_score":0.05423792451620102},{"text":"So this one","start":1707.0,"end":1707.72,"sentiment":"neutral","sentiment_score":0.05129952356219292}],"sentiment":"neutral","sentiment_score":0.053313464754157595,"channel":0,"num_words":9,"start":1704.6,"end":1707.72},{"sentences":[{"text":"Yep.","start":1707.715,"end":1708.215,"sentiment":"neutral","sentiment_score":0.07047644257545471}],"sentiment":"neutral","sentiment_score":0.07047644257545471,"channel":1,"num_words":1,"start":1707.715,"end":1708.215},{"sentences":[{"text":"here might look a little bit messy.","start":1707.72,"end":1710.3,"sentiment":"neutral","sentiment_score":0.01350734303040164},{"text":"It sometimes does, but it does show you all your portfolio.","start":1710.36,"end":1713.8201,"sentiment":"neutral","sentiment_score":0.1287358118729158},{"text":"It shows","start":1714.76,"end":1715.24,"sentiment":"neutral","sentiment_score":0.129039216786623}],"sentiment":"neutral","sentiment_score":0.08843618826940655,"channel":0,"num_words":20,"start":1707.72,"end":1715.24},{"sentences":[{"text":"Mhmm.","start":1714.97,"end":1715.47,"sentiment":"neutral","sentiment_score":0.0857463926076889}],"sentiment":"neutral","sentiment_score":0.0857463926076889,"channel":1,"num_words":1,"start":1714.97,"end":1715.47},{"sentences":[{"text":"you what's happened in the last twelve months, and it shows you everything after fees.","start":1715.24,"end":1721.4049,"sentiment":"neutral","sentiment_score":0.10744792918364207},{"text":"So on here, you can see all your individual investments and how they have performed.","start":1721.4049,"end":1726.7849,"sentiment":"neutral","sentiment_score":0.17919913281997044},{"text":"So kind of like we touched on the last twelve months, we have seen quite a bit of fluctuation.","start":1726.845,"end":1731.585,"sentiment":"neutral","sentiment_score":-0.06375603593493763},{"text":"Despite that, though, your portfolio is still positive, which is good, because it has, yeah, been a bit volatile.","start":1733.08,"end":1739.8999,"sentiment":"neutral","sentiment_score":0.3101984923215289},{"text":"So it is still up by about 3.93.","start":1740.2799,"end":1744.1399,"sentiment":"neutral","sentiment_score":0.2664722576737404}],"sentiment":"neutral","sentiment_score":0.14623540345775454,"channel":0,"num_words":76,"start":1715.24,"end":1744.1399},{"sentences":[{"text":"Now, obviously, ideally,","start":1744.805,"end":1745.765,"sentiment":"neutral","sentiment_score":0.0902920514345169}],"sentiment":"neutral","sentiment_score":0.0902920514345169,"channel":0,"num_words":3,"start":1744.805,"end":1745.765},{"sentences":[{"text":"Mhmm.","start":1745.6,"end":1746.1,"sentiment":"neutral","sentiment_score":0.1332557201385498}],"sentiment":"neutral","sentiment_score":0.1332557201385498,"channel":1,"num_words":1,"start":1745.6,"end":1746.1},{"sentences":[{"text":"we would like to see it a bit higher, but it's not unexpected for what's happened in the market, especially during","start":1745.765,"end":1753.525,"sentiment":"neutral","sentiment_score":0.08870601778229077}],"sentiment":"neutral","sentiment_score":0.08870601778229077,"channel":0,"num_words":21,"start":1745.765,"end":1753.525},{"sentences":[{"text":"Okay.","start":1753.1849,"end":1753.6849,"sentiment":"neutral","sentiment_score":-0.002745848149061203}],"sentiment":"neutral","sentiment_score":-0.002745848149061203,"channel":1,"num_words":1,"start":1753.1849,"end":1753.6849},{"sentences":[{"text":"the, you know, periods of volatility and mixed performance across different sectors.","start":1753.525,"end":1757.385,"sentiment":"neutral","sentiment_score":-0.03468082177763184},{"text":"What","start":1758.13,"end":1758.45,"sentiment":"neutral","sentiment_score":0.07428106665611267}],"sentiment":"neutral","sentiment_score":-0.026299138051959183,"channel":0,"num_words":13,"start":1753.525,"end":1758.45},{"sentences":[{"text":"Yeah.","start":1758.3049,"end":1758.8049,"sentiment":"neutral","sentiment_score":0.1355849951505661}],"sentiment":"neutral","sentiment_score":0.1355849951505661,"channel":1,"num_words":1,"start":1758.3049,"end":1758.8049},{"sentences":[{"text":"is more important is that the portfolio was designed to be diversified.","start":1758.45,"end":1763.51,"sentiment":"neutral","sentiment_score":0.25055066247781116},{"text":"So rather than relying on one particular market or, like, a theme, the diversification help reduce the overall volatility, but then also kind of protect capital during weaker periods in certain areas.","start":1764.45,"end":1777.355,"sentiment":"neutral","sentiment_score":0.17414772894699126},{"text":"So when we do look at the individual investment, we can see that the strongest contributors to your portfolio is your gold, which was up by about 25%, which was pretty crazy, which also obviously benefited from that kind of ongoing geopolitical uncertainty and also, like, the inflation concerns we've had.","start":1777.415,"end":1799.175,"sentiment":"neutral","sentiment_score":0.28013692942320134},{"text":"You can also see that the iShares S and P five hundred was a strong contributor as well, which was supported by the continued strength in the large US 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investments.","start":1820.1499,"end":1834.325,"sentiment":"neutral","sentiment_score":0.18854969243208566},{"text":"And if we foresee one investment not being like a cyclical trend at the moment and there's something a bit more going on, we wanna look at potentially changing that.","start":1834.325,"end":1844.42,"sentiment":"neutral","sentiment_score":-0.01119918997089068},{"text":"Now there is one of the investments in your portfolio that I would like to do that with if you are happy with that, and that","start":1845.12,"end":1851.975,"sentiment":"neutral","sentiment_score":0.23316085969026273}],"sentiment":"neutral","sentiment_score":0.15036314252322003,"channel":0,"num_words":118,"start":1812.07,"end":1851.975},{"sentences":[{"text":"Mhmm.","start":1851.67,"end":1852.17,"sentiment":"neutral","sentiment_score":0.15399962663650513}],"sentiment":"neutral","sentiment_score":0.15399962663650513,"channel":1,"num_words":1,"start":1851.67,"end":1852.17},{"sentences":[{"text":"is your 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you are happy with that, what I can do is I can issue you something that's called a record of the device just to say that we are going ahead to make that investment change, just that one for you.","start":1976.16,"end":1990.5,"sentiment":"positive","sentiment_score":0.4124615139194897}],"sentiment":"positive","sentiment_score":0.4763601820383753,"channel":0,"num_words":70,"start":1966.875,"end":1990.5},{"sentences":[{"text":"Yep.","start":1990.925,"end":1991.425,"sentiment":"neutral","sentiment_score":0.19093981385231015}],"sentiment":"neutral","sentiment_score":0.19093981385231015,"channel":1,"num_words":1,"start":1990.925,"end":1991.425},{"sentences":[{"text":"You don't have to sign it or anything like that.","start":1991.155,"end":1993.555,"sentiment":"neutral","sentiment_score":0.11368463281542063},{"text":"It's just for your records to to say that that's what we've done if you are happy with 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might not be until either tomorrow, potentially Monday.","start":2006.7899,"end":2010.73,"sentiment":"neutral","sentiment_score":0.10006120138698155}],"sentiment":"neutral","sentiment_score":0.26202143281698226,"channel":0,"num_words":20,"start":2002.435,"end":2010.73},{"sentences":[{"text":"Mhmm.","start":2011.3151,"end":2011.8151,"sentiment":"neutral","sentiment_score":0.10571014136075974}],"sentiment":"neutral","sentiment_score":0.10571014136075974,"channel":1,"num_words":1,"start":2011.3151,"end":2011.8151},{"sentences":[{"text":"But just keep a look at for your emails, and we'll go ahead and and make that change for you.","start":2011.4299,"end":2016.25,"sentiment":"neutral","sentiment_score":0.24446931630373},{"text":"And that should see see things as well.","start":2017.035,"end":2019.035,"sentiment":"neutral","sentiment_score":0.1699076509103179},{"text":"Hopefully, things do come down a little bit in the world.","start":2019.035,"end":2021.675,"sentiment":"neutral","sentiment_score":-0.03900073591450399},{"text":"You never know, though.","start":2021.675,"end":2022.555,"sentiment":"neutral","sentiment_score":-0.05506531801074743},{"text":"And kind of looking at that graph with Vanguard, it's it's not unusual for things to happen.","start":2022.555,"end":2027.775,"sentiment":"neutral","sentiment_score":-0.016864667482235852}],"sentiment":"neutral","sentiment_score":0.08854464698427668,"channel":0,"num_words":60,"start":2011.4299,"end":2027.775},{"sentences":[{"text":"And long term is where we do see see that 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much.","start":2032.82,"end":2043.88,"sentiment":"neutral","sentiment_score":0.017951034222330367}],"sentiment":"neutral","sentiment_score":0.017951034222330367,"channel":0,"num_words":35,"start":2032.82,"end":2043.88},{"sentences":[{"text":"Yep.","start":2044.3451,"end":2044.8451,"sentiment":"neutral","sentiment_score":0.04234587773680687}],"sentiment":"neutral","sentiment_score":0.04234587773680687,"channel":1,"num_words":1,"start":2044.3451,"end":2044.8451},{"sentences":[{"text":"Yeah.","start":2044.995,"end":2045.395,"sentiment":"neutral","sentiment_score":0.06387774646282196},{"text":"Does that make sense?","start":2045.395,"end":2046.275,"sentiment":"neutral","sentiment_score":0.0749954991042614},{"text":"Do you have any questions?","start":2046.275,"end":2047.335,"sentiment":"neutral","sentiment_score":0.053560533374547956}],"sentiment":"neutral","sentiment_score":0.06316624097526073,"channel":0,"num_words":10,"start":2044.995,"end":2047.335},{"sentences":[{"text":"No.","start":2048.12,"end":2048.28,"sentiment":"neutral","sentiment_score":-0.033126600086688995},{"text":"That's good.","start":2048.28,"end":2049.08,"sentiment":"neutral","sentiment_score":0.1262090802192688},{"text":"Yep.","start":2049.08,"end":2049.58,"sentiment":"neutral","sentiment_score":0.11550195515155792}],"sentiment":"neutral","sentiment_score":0.08369837887585163,"channel":1,"num_words":4,"start":2048.12,"end":2049.58},{"sentences":[{"text":"Yep.","start":2049.555,"end":2050.035,"sentiment":"neutral","sentiment_score":0.10510259866714478},{"text":"Okay.","start":2050.035,"end":2050.435,"sentiment":"neutral","sentiment_score":0.17007167637348175},{"text":"Perfect.","start":2050.435,"end":2050.935,"sentiment":"neutral","sentiment_score":0.3072478473186493},{"text":"Now back to the email as well, you should see one where it's called super and insurance summary.","start":2051.715,"end":2058.435,"sentiment":"neutral","sentiment_score":0.10992703752385245},{"text":"Can you see that?","start":2058.435,"end":2059.495,"sentiment":"neutral","sentiment_score":0.05735914036631584}],"sentiment":"neutral","sentiment_score":0.11162181437015534,"channel":0,"num_words":25,"start":2049.555,"end":2059.495},{"sentences":[{"text":"Yep.","start":2059.0,"end":2059.5,"sentiment":"neutral","sentiment_score":0.03847529739141464},{"text":"Mhmm.","start":2059.8801,"end":2060.3801,"sentiment":"neutral","sentiment_score":0.04489649832248688}],"sentiment":"neutral","sentiment_score":0.04168589785695076,"channel":1,"num_words":2,"start":2059.0,"end":2060.3801},{"sentences":[{"text":"Yep.","start":2059.96,"end":2060.2,"sentiment":"neutral","sentiment_score":0.0975375473499298},{"text":"Perfect.","start":2060.2,"end":2060.7,"sentiment":"neutral","sentiment_score":0.31088167428970337},{"text":"You're gonna open that one for me.","start":2060.76,"end":2062.3801,"sentiment":"neutral","sentiment_score":0.1692095058304923}],"sentiment":"neutral","sentiment_score":0.17698730693923104,"channel":0,"num_words":9,"start":2059.96,"end":2062.3801},{"sentences":[{"text":"Yep.","start":2062.775,"end":2063.275,"sentiment":"neutral","sentiment_score":0.15746097266674042}],"sentiment":"neutral","sentiment_score":0.15746097266674042,"channel":1,"num_words":1,"start":2062.775,"end":2063.275},{"sentences":[{"text":"Perfect.","start":2064.12,"end":2064.52,"sentiment":"positive","sentiment_score":0.3373052179813385},{"text":"Now this one here gives you a bit of a breakdown of your super balance and your insurances.","start":2064.52,"end":2069.82,"sentiment":"neutral","sentiment_score":0.17785993301206166},{"text":"So you have your super in Hub 24, and you do have about 72,562 in there, which is good.","start":2070.36,"end":2078.5452,"sentiment":"neutral","sentiment_score":0.2577565296700126},{"text":"And you also have your one part insurance.","start":2078.925,"end":2081.2651,"sentiment":"neutral","sentiment_score":0.16387035325169563},{"text":"So you have about a million dollars worth of life and TD.","start":2081.405,"end":2084.705,"sentiment":"neutral","sentiment_score":0.13727778072158495}],"sentiment":"neutral","sentiment_score":0.19645610811381503,"channel":0,"num_words":58,"start":2064.12,"end":2084.705},{"sentences":[{"text":"Now with your life and TPD, are you still happy with that level of cover if something were to happen?","start":2087.67,"end":2094.87,"sentiment":"neutral","sentiment_score":0.08487263917922974},{"text":"It obviously still will pay out the remaining mortgage or anything like that and still leave quite a bit extra.","start":2094.87,"end":2102.435,"sentiment":"neutral","sentiment_score":0.03695279117673635},{"text":"Are you still","start":2102.435,"end":2102.915,"sentiment":"neutral","sentiment_score":0.00940412034591039}],"sentiment":"neutral","sentiment_score":0.05731909228272216,"channel":0,"num_words":43,"start":2087.67,"end":2102.915},{"sentences":[{"text":"Mhmm.","start":2102.7852,"end":2103.2852,"sentiment":"neutral","sentiment_score":0.02386031486093998}],"sentiment":"neutral","sentiment_score":0.02386031486093998,"channel":1,"num_words":1,"start":2102.7852,"end":2103.2852},{"sentences":[{"text":"happy with that level of cover, or would you like to change anything?","start":2102.915,"end":2106.455,"sentiment":"neutral","sentiment_score":0.03182208237166588}],"sentiment":"neutral","sentiment_score":0.03182208237166588,"channel":0,"num_words":13,"start":2102.915,"end":2106.455},{"sentences":[{"text":"No.","start":2107.29,"end":2107.53,"sentiment":"neutral","sentiment_score":-0.07415720820426941},{"text":"I think that's fine.","start":2107.53,"end":2108.49,"sentiment":"neutral","sentiment_score":0.030485554598271847},{"text":"Yeah.","start":2108.49,"end":2108.99,"sentiment":"neutral","sentiment_score":0.14977701008319855}],"sentiment":"neutral","sentiment_score":0.03292700337866942,"channel":1,"num_words":6,"start":2107.29,"end":2108.99},{"sentences":[{"text":"Yep.","start":2108.995,"end":2109.475,"sentiment":"neutral","sentiment_score":0.17055678367614746},{"text":"Perfect.","start":2109.475,"end":2109.975,"sentiment":"positive","sentiment_score":0.3707690834999085},{"text":"And now you also do have that employer paid policy, which would be about last time we checked, it was about it was one year's worth of salary.","start":2110.835,"end":2120.63,"sentiment":"neutral","sentiment_score":0.10548194627543646},{"text":"So, obviously, if your salary has gone up, you probably get a little bit more now, which is good.","start":2120.63,"end":2126.25,"sentiment":"positive","sentiment_score":0.3811990477536854},{"text":"And then","start":2126.55,"end":2126.95,"sentiment":"neutral","sentiment_score":0.2496844157576561}],"sentiment":"neutral","sentiment_score":0.22033276670046298,"channel":0,"num_words":51,"start":2108.995,"end":2126.95},{"sentences":[{"text":"Mhmm.","start":2126.8052,"end":2127.3052,"sentiment":"neutral","sentiment_score":0.22525398433208463}],"sentiment":"neutral","sentiment_score":0.22525398433208463,"channel":1,"num_words":1,"start":2126.8052,"end":2127.3052},{"sentences":[{"text":"also an income protection, and that was covering about 75% of your salary.","start":2126.95,"end":2132.285,"sentiment":"neutral","sentiment_score":0.13774950057268143},{"text":"And having a look at the contract last time, it does change with your salary.","start":2132.745,"end":2135.945,"sentiment":"neutral","sentiment_score":0.12045172899961472},{"text":"So if your salary did go up, then most likely, that will be about 75% of your salary as long as that still kind of stays the same for the employer.","start":2135.945,"end":2144.685,"sentiment":"neutral","sentiment_score":0.20262793187172182}],"sentiment":"neutral","sentiment_score":0.16744042932987213,"channel":0,"num_words":59,"start":2126.95,"end":2144.685},{"sentences":[{"text":"Okay.","start":2144.37,"end":2144.87,"sentiment":"neutral","sentiment_score":0.07941685616970062}],"sentiment":"neutral","sentiment_score":0.07941685616970062,"channel":1,"num_words":1,"start":2144.37,"end":2144.87},{"sentences":[{"text":"Now any questions about that?","start":2148.25,"end":2149.95,"sentiment":"neutral","sentiment_score":0.04069669134914875}],"sentiment":"neutral","sentiment_score":0.04069669134914875,"channel":0,"num_words":5,"start":2148.25,"end":2149.95},{"sentences":[{"text":"No.","start":2150.555,"end":2150.635,"sentiment":"neutral","sentiment_score":-0.004119932651519775},{"text":"That's all good.","start":2150.635,"end":2151.615,"sentiment":"neutral","sentiment_score":0.20332589745521545}],"sentiment":"neutral","sentiment_score":0.15146443992853165,"channel":1,"num_words":4,"start":2150.555,"end":2151.615},{"sentences":[{"text":"No.","start":2151.6099,"end":2151.77,"sentiment":"neutral","sentiment_score":0.15529897809028623},{"text":"Perfect.","start":2151.77,"end":2152.27,"sentiment":"positive","sentiment_score":0.33542680740356445},{"text":"Now back to the email, you will also see one where it says COC, so certificate of currency for one pass.","start":2153.29,"end":2160.615,"sentiment":"neutral","sentiment_score":0.0947748404883203},{"text":"Can you see that?","start":2160.695,"end":2161.515,"sentiment":"neutral","sentiment_score":0.05620044004172087}],"sentiment":"neutral","sentiment_score":0.10021478503390595,"channel":0,"num_words":27,"start":2151.6099,"end":2161.515},{"sentences":[{"text":"Yep.","start":2161.915,"end":2162.415,"sentiment":"neutral","sentiment_score":0.11777065694332124}],"sentiment":"neutral","sentiment_score":0.11777065694332124,"channel":1,"num_words":1,"start":2161.915,"end":2162.415},{"sentences":[{"text":"Yep.","start":2162.695,"end":2163.095,"sentiment":"neutral","sentiment_score":0.19531700015068057},{"text":"Perfect.","start":2163.095,"end":2163.575,"sentiment":"positive","sentiment_score":0.448137640953064},{"text":"So if you're gonna open that one, it just breaks down your insurances in a little bit more detail there for you.","start":2163.575,"end":2169.575,"sentiment":"neutral","sentiment_score":0.26296831938353454},{"text":"Now you can also see the premium here.","start":2169.575,"end":2171.915,"sentiment":"neutral","sentiment_score":0.2101564109325409},{"text":"So it says the total yearly premium.","start":2172.135,"end":2174.475,"sentiment":"neutral","sentiment_score":0.2920644155570439}],"sentiment":"neutral","sentiment_score":0.26037076574105483,"channel":0,"num_words":39,"start":2162.695,"end":2174.475},{"sentences":[{"text":"So it's pretty cheap, which is good.","start":2174.82,"end":2176.9202,"sentiment":"positive","sentiment_score":0.5310376073632922},{"text":"So it's about $881 for both of those.","start":2176.98,"end":2181.3801,"sentiment":"neutral","sentiment_score":0.32174552232027054},{"text":"So both a a $1,000,000 worth of life and the TPD for you.","start":2181.3801,"end":2185.24,"sentiment":"positive","sentiment_score":0.3704698131634639}],"sentiment":"positive","sentiment_score":0.39669053575822283,"channel":0,"num_words":28,"start":2174.82,"end":2185.24},{"sentences":[{"text":"Mhmm.","start":2185.225,"end":2185.725,"sentiment":"neutral","sentiment_score":0.0908190906047821}],"sentiment":"neutral","sentiment_score":0.0908190906047821,"channel":1,"num_words":1,"start":2185.225,"end":2185.725},{"sentences":[{"text":"Yep.","start":2186.26,"end":2186.685,"sentiment":"neutral","sentiment_score":0.09800702333450316},{"text":"Now back to the email, you will have two more attachments.","start":2186.685,"end":2191.185,"sentiment":"neutral","sentiment_score":0.07608278637582605},{"text":"I will let you have a read over those in your own time.","start":2191.325,"end":2193.965,"sentiment":"neutral","sentiment_score":0.09771699974170098},{"text":"You have seen these before.","start":2193.965,"end":2195.325,"sentiment":"neutral","sentiment_score":0.08415238559246063},{"text":"It's one of those compliance documents.","start":2195.325,"end":2197.425,"sentiment":"neutral","sentiment_score":0.10849510381619136}],"sentiment":"neutral","sentiment_score":0.09102697836028205,"channel":0,"num_words":36,"start":2186.26,"end":2197.425},{"sentences":[{"text":"So just the financial services guide and the OQ services 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which is nice.","start":2211.8599,"end":2216.505,"sentiment":"positive","sentiment_score":0.3692221006621485},{"text":"And we've also had a bit of an extension to the team, which is great as well.","start":2217.065,"end":2221.2449,"sentiment":"positive","sentiment_score":0.4629860485301298},{"text":"So","start":2221.4648,"end":2221.865,"sentiment":"neutral","sentiment_score":0.2187120020389557}],"sentiment":"neutral","sentiment_score":0.31986251293170836,"channel":0,"num_words":62,"start":2204.9,"end":2221.865},{"sentences":[{"text":"Yep.","start":2221.49,"end":2221.99,"sentiment":"neutral","sentiment_score":0.21597647666931152}],"sentiment":"neutral","sentiment_score":0.21597647666931152,"channel":1,"num_words":1,"start":2221.49,"end":2221.99},{"sentences":[{"text":"I'll let you have a read over that in your own time.","start":2221.865,"end":2224.765,"sentiment":"neutral","sentiment_score":0.16479846959312758},{"text":"But, otherwise, the last thing is if you are happy to do so is if you then press where it says sign now or request signature, it should ask you to sign two documents.","start":2225.1448,"end":2237.97,"sentiment":"neutral","sentiment_score":0.1648653668954092}],"sentiment":"neutral","sentiment_score":0.16484791542524876,"channel":0,"num_words":46,"start":2221.865,"end":2237.97},{"sentences":[{"text":"Okay.","start":2238.8352,"end":2239.3352,"sentiment":"neutral","sentiment_score":0.2175500988960266}],"sentiment":"neutral","sentiment_score":0.2175500988960266,"channel":1,"num_words":1,"start":2238.8352,"end":2239.3352},{"sentences":[{"text":"Now one of them is your ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start":2240.5898,"end":2249.795,"sentiment":"positive","sentiment_score":0.4365180027484894},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":2250.415,"end":2255.01,"sentiment":"neutral","sentiment_score":0.037281340919435024},{"text":"So it stays exactly the same at that 1.65 from Sousa.","start":2255.25,"end":2259.99,"sentiment":"neutral","sentiment_score":0.33266113021157007},{"text":"No changes whatsoever in regards to it, and it is not a lock in contract.","start":2260.53,"end":2265.59,"sentiment":"neutral","sentiment_score":0.0857387512922287},{"text":"So if at any point in time you are not happy with the service or you were just not happy, no lock in contract, no extra fees, or anything like that.","start":2265.65,"end":2274.845,"sentiment":"neutral","sentiment_score":-0.08321514437275548}],"sentiment":"neutral","sentiment_score":0.14602138708405038,"channel":0,"num_words":94,"start":2240.5898,"end":2274.845},{"sentences":[{"text":"So this just lets us service your account and everything in the meantime and just to make sure that, obviously, yeah, you are happy with everything and that's something we'll then upload through Hub twenty four so we can keep making those investment changes and stuff for you.","start":2275.065,"end":2291.5,"sentiment":"positive","sentiment_score":0.5522147975862026}],"sentiment":"positive","sentiment_score":0.5522147975862026,"channel":0,"num_words":48,"start":2275.065,"end":2291.5},{"sentences":[{"text":"Yep.","start":2292.125,"end":2292.625,"sentiment":"neutral","sentiment_score":0.20734010636806488}],"sentiment":"neutral","sentiment_score":0.20734010636806488,"channel":1,"num_words":1,"start":2292.125,"end":2292.625},{"sentences":[{"text":"And then the last one where it should ask you to add a signature is where it says tax file number, I should say, which is just asking you to sign.","start":2293.16,"end":2303.245,"sentiment":"neutral","sentiment_score":0.12107749451552668},{"text":"It's just a compliance form to say that we are keeping your tax file number since you're unsafe on 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documents, more than welcome to.","start":2313.11,"end":2318.09,"sentiment":"neutral","sentiment_score":0.2526030893388547},{"text":"When you have a moment, sorry.","start":2319.51,"end":2321.19,"sentiment":"neutral","sentiment_score":0.10519871798654397},{"text":"If you, yeah, have a read through any questions, let me know.","start":2321.19,"end":2323.9102,"sentiment":"neutral","sentiment_score":0.10687863516310851}],"sentiment":"neutral","sentiment_score":0.19460970822435159,"channel":0,"num_words":39,"start":2311.485,"end":2323.9102},{"sentences":[{"text":"Otherwise, we do need you to sign those documents.","start":2323.9102,"end":2326.09,"sentiment":"neutral","sentiment_score":0.09750696685579088},{"text":"Once you have signed it, it should say validate, and they will then send it back to the team, or we can get that all processed for 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don't","start":2342.7698,"end":2343.0898,"sentiment":"neutral","sentiment_score":0.04309799335896969}],"sentiment":"neutral","sentiment_score":0.08701315596699714,"channel":0,"num_words":25,"start":2335.585,"end":2343.0898},{"sentences":[{"text":"Mhmm.","start":2343.06,"end":2343.435,"sentiment":"neutral","sentiment_score":0.02224084734916687}],"sentiment":"neutral","sentiment_score":0.02224084734916687,"channel":1,"num_words":1,"start":2343.06,"end":2343.435},{"sentences":[{"text":"need to sign it.","start":2343.0898,"end":2343.73,"sentiment":"neutral","sentiment_score":0.004278969019651413},{"text":"Like I said, it's just for your reference so you can see the 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always","start":2781.769,"end":2782.249,"sentiment":"positive","sentiment_score":0.6731643378734589}],"sentiment":"positive","sentiment_score":0.6731643378734589,"channel":0,"num_words":2,"start":2781.769,"end":2782.249},{"sentences":[{"text":"for","start":2782.109,"end":2782.2688,"sentiment":"positive","sentiment_score":0.7877005338668823}],"sentiment":"positive","sentiment_score":0.7877005338668823,"channel":1,"num_words":1,"start":2782.109,"end":2782.2688},{"sentences":[{"text":"big","start":2782.249,"end":2782.749,"sentiment":"positive","sentiment_score":0.8839961290359497}],"sentiment":"positive","sentiment_score":0.8839961290359497,"channel":0,"num_words":1,"start":2782.249,"end":2782.749},{"sentences":[{"text":"your time, Veronica.","start":2782.2688,"end":2783.0889,"sentiment":"positive","sentiment_score":0.7784015933672587}],"sentiment":"positive","sentiment_score":0.7784015933672587,"channel":1,"num_words":3,"start":2782.2688,"end":2783.0889},{"sentences":[{"text":"thank you.","start":2783.929,"end":2784.669,"sentiment":"positive","sentiment_score":0.7002958655357361},{"text":"Bye.","start":2784.729,"end":2785.229,"sentiment":"positive","sentiment_score":0.4668406844139099}],"sentiment":"positive","sentiment_score":0.6224774718284607,"channel":0,"num_words":3,"start":2783.929,"end":2785.229},{"sentences":[{"text":"Cheers.","start":2784.9888,"end":2785.4888,"sentiment":"positive","sentiment_score":0.6655394434928894},{"text":"Bye.","start":2785.7087,"end":2786.2087,"sentiment":"neutral","sentiment_score":-0.07925159484148026}],"sentiment":"neutral","sentiment_score":0.2931439243257046,"channel":1,"num_words":2,"start":2784.9888,"end":2786.2087}]},"summary":{"result":"success","short":"The representative from Financial discusses the customer's annual review and insurance coverage with a customer. They update their work history, update their occupation, and provide personal information. The customer is advised to complete forms and file a will kit, and the agent provides advice on risk allocation and volatility in investment portfolios. The customer is instructed to sign necessary documents and follow the process of changing their insurance policy. The agent offers to provide financial advice and schedule a follow-up appointment if the customer is interested in changing their financial situation."},"intents":{"segments":[{"text":"I had you booked in this afternoon to go over your annual review. Is now still a good time for you? Yep.","start_word":23,"end_word":44,"intents":[{"intent":"Check availability","confidence_score":0.032763317}]},{"text":"to make any tweaking changes to your advice based based on that.","start_word":365,"end_word":376,"intents":[{"intent":"Update advice","confidence_score":0.14410652}]},{"text":"Otherwise, do you have any other assets in the last twelve months or mainly just the property? Just the property and my vehicle. Just the Yeah. property. Pretty much. Yep. Perfect. And do you have any other liabilities, like personal loans or credit card or ZipPay? Only my credit card, but I zero it every time I get paid. Yep. So more just using it for, like, points and stuff.","start_word":750,"end_word":819,"intents":[{"intent":"Evaluate asset usage","confidence_score":0.000376576}]},{"text":"I wanna go back to the insurance and see if I can get you better rates because it's safer. Excellent. So Yep.","start_word":1091,"end_word":1112,"intents":[{"intent":"Obtain insurance rates","confidence_score":0.0009771362}]},{"text":"only thing I was showing was my contract, which is basically what they require from me and my new pay rate.","start_word":1410,"end_word":1430,"intents":[{"intent":"Discuss contracts and pay rates","confidence_score":0.00021056083}]},{"text":"And no changes otherwise, yeah, in any benefits. Employer contribution stays the same at 12%, like, no changes there. Sorry.","start_word":1481,"end_word":1500,"intents":[{"intent":"Clarify benefit benefits","confidence_score":0.0000039888846}]},{"text":"So in terms of completing the forms for you, if you would like your brother or any other family members or friends or anything like that, it would be on the form.","start_word":2362,"end_word":2393,"intents":[{"intent":"Complete forms","confidence_score":0.11462714}]},{"text":"As long as you kind of read the instructions to fill it out correctly, that would be, like, the biggest kind of risk. It is Mhmm.","start_word":2647,"end_word":2672,"intents":[{"intent":"Provide instructions","confidence_score":0.05482032}]},{"text":"And we say as well that if you do decide to do the post office will kit, you can always send me a copy of it if you would like, and then we can Okay.","start_word":2680,"end_word":2714,"intents":[{"intent":"Provide copy","confidence_score":0.0063620736}]},{"text":"Does Yeah. that answer those questions? Pardon? Does that answer those questions for you, Emma? Yeah. Yeah.","start_word":2771,"end_word":2787,"intents":[{"intent":"Confirm name","confidence_score":0.00003853731}]},{"text":"With having your legal personal representative on the form as well, it does make it easy if your situation ever changed and you wanna update your will.","start_word":2846,"end_word":2872,"intents":[{"intent":"Update form","confidence_score":0.039504226}]},{"text":"with how to structure it, whereas, yeah, directly on the form, it's just choosing, you know, a couple of options, and it's quite limited in the box where you can fit it into. Yep.","start_word":2934,"end_word":2967,"intents":[{"intent":"Share personal preferences","confidence_score":0.006065308}]},{"text":"Any other changes otherwise for you? Health and lifestyle, any changes, or that's kind of all the same? Yeah.","start_word":3099,"end_word":3117,"intents":[{"intent":"Organize future changes","confidence_score":0.00038178396}]},{"text":"Health and lifestyle, any changes, or that's kind of all the same? Yeah.","start_word":3105,"end_word":3117,"intents":[{"intent":"Explain health and lifestyle changes","confidence_score":0.00055945624}]},{"text":"And I guess when it comes to goals for yourself, because you have now achieved what you were looking at in the next couple of years, which is to buy the property.","start_word":3171,"end_word":3202,"intents":[{"intent":"Discuss plans","confidence_score":0.000014816437}]},{"text":"And I guess when it comes to goals for yourself, because you have now achieved what you were looking at in the next couple of years, which is to buy the property. Yep.","start_word":3171,"end_word":3203,"intents":[{"intent":"Discuss goals","confidence_score":0.0555615}]},{"text":"other thing is just to kind of quickly go through, it's another risk profile questionnaire, but it is a lot shorter than the one we did last time. Yeah. Just to see if there is anything that's changed in terms of your risk allocation, how you feel about markets, or anything like that.","start_word":3427,"end_word":3479,"intents":[{"intent":"Analyze debt risk","confidence_score":0.00021954984}]},{"text":"if you had the option to do so, think that, well, now is potentially a good time to invest a little bit more while the prices are down. Would you be a bit more neutral or just kind of hold and wait to see what happens? Or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped? I think I would invest while it's down currently. Invest.","start_word":3733,"end_word":3811,"intents":[{"intent":"Evaluate investment options","confidence_score":0.07745284}]},{"text":"And it's often good to see and Vanguard is really good. They update this on a yearly basis Mhmm. to kind of show the different trends. So this one here, you can see dates back to 1995, and then all the ups and downs and all the the world stuff that's happened until 2025. Okay.","start_word":4325,"end_word":4379,"intents":[{"intent":"Update market trends","confidence_score":0.27179217}]},{"text":"Can you also see the next one where it says twelve month hub 24 portfolio performance Yep. report? Can you see that?","start_word":4963,"end_word":4984,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.1691405}]},{"text":"is more important is that the portfolio was designed to be diversified. So rather than relying on one particular market or, like, a theme, the diversification help reduce the overall volatility, but then also kind of protect capital during weaker periods in certain areas.","start_word":5141,"end_word":5184,"intents":[{"intent":"Analyze portfolio diversification","confidence_score":0.36774182}]},{"text":"And then one of the investments that they actually had in their portfolio was the Corporate Travel Group.","start_word":5449,"end_word":5466,"intents":[{"intent":"Rename investments","confidence_score":0.00037245857}]},{"text":"It's just for your records to to say that that's what we've done if you are happy with that. Yep? Okay.","start_word":5810,"end_word":5830,"intents":[{"intent":"Report a problem","confidence_score":0.00021942578}]},{"text":"Now any questions about that? No.","start_word":6252,"end_word":6257,"intents":[{"intent":"Resolve billing issues","confidence_score":0.0030411223}]},{"text":"So it stays exactly the same at that 1.65 from Sousa. No changes whatsoever in regards to it, and it is not a lock in contract. So if at any point in time you are not happy with the service or you were just not happy, no lock in contract, no extra fees, or anything like that.","start_word":6554,"end_word":6610,"intents":[{"intent":"Confirm service agreement","confidence_score":0.020876532}]},{"text":"I'm so I'm actually filling them both in for our legal personal representatives. Is that correct? Correct.","start_word":6949,"end_word":6965,"intents":[{"intent":"Fill in","confidence_score":0.53305537}]},{"text":"I don't need to update you on my own, like, health insurances I'm paying and stuff. Do I?","start_word":7045,"end_word":7062,"intents":[{"intent":"Update","confidence_score":0.6707591}]},{"text":"And if I was to decide to, like, rent my house out as an investment property going into, like, next year. Is that something I need to update you guys on if I was to make that move?","start_word":7185,"end_word":7222,"intents":[{"intent":"Make move","confidence_score":0.010087445}]},{"text":"Unless it changes, like, unless you want assistance with anything. So if you were just changing it and you struggle with cash flow, we can definitely assist you with that. It would just be more so if your wishes and goals changes.","start_word":7227,"end_word":7268,"intents":[{"intent":"Assist with changes","confidence_score":0.14801617}]},{"text":"So if it is that you change your your property and it's you want more or less for insurances, if something were to happen because it pays off yourself, that would seem when we would make changes. Mhmm.","start_word":7270,"end_word":7307,"intents":[{"intent":"Change property","confidence_score":0.00020698956}]},{"text":"But if it is something you wanna assess or look at, let me know.","start_word":7342,"end_word":7355,"intents":[{"intent":"Assess options","confidence_score":0.26308462}]},{"text":"Just to let you know what things might look like Mhmm. and see if it's, you know, obviously doable and how that would look fine as well. Yep. Amazing.","start_word":7404,"end_word":7432,"intents":[{"intent":"Assist with inquiries","confidence_score":0.00072191865}]},{"text":"Amazing. Yep. And Perfect.","start_word":7432,"end_word":7435,"intents":[{"intent":"Express gratitude","confidence_score":0.030398559}]},{"text":"with appointment with you as well?","start_word":7461,"end_word":7466,"intents":[{"intent":"Schedule appointment","confidence_score":0.75507057}]},{"text":"Do they have, like, a, like, specialize in mining at all to help me out in that manner?","start_word":7543,"end_word":7560,"intents":[{"intent":"Offer assistance","confidence_score":0.0027461245},{"intent":"Offer assistance","confidence_score":0.11229206}]},{"text":"So I'm Okay.","start_word":7615,"end_word":7617,"intents":[{"intent":"End conversation","confidence_score":0.0015509527}]},{"text":"sure there would be a to carry across it, but I can would you like me to send you their contact details, or would you like me to contact them and then for them to give you a call and see how things would work, booking an appointment.","start_word":7619,"end_word":7666,"intents":[{"intent":"Schedule appointment","confidence_score":0.25605866}]},{"text":"I will get in touch with them and get them through to give you a call, and I will also just triple check that they are very across, obviously, mining and stuff like that. But like I said, we do have quite a lot of clients that do work in the mine that that use them as well.","start_word":7845,"end_word":7902,"intents":[{"intent":"Coordinate with local miner","confidence_score":2.5859123e-7}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Emma. Yes. This is Veronica from Financial. How are you?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.18898284435272217},{"text":"I'm good. Thanks, Veronica. How are you? Good. I had you booked in this afternoon to go over your annual review. Is now still a good time for you?","start_word":15,"end_word":43,"sentiment":"positive","sentiment_score":0.448809951543808},{"text":"Yep. Yep. I'm just on my Yes. way home, but I should better talk. Yeah. Yeah.","start_word":44,"end_word":59,"sentiment":"neutral","sentiment_score":0.1027873158454895},{"text":"Perfect.","start_word":60,"end_word":60,"sentiment":"positive","sentiment_score":0.4102080464363098},{"text":"If you cut that, though, or anything, just just let me know. Yeah. Yep. No worries.","start_word":61,"end_word":76,"sentiment":"neutral","sentiment_score":0.18498679995536804},{"text":"Perfect.","start_word":77,"end_word":77,"sentiment":"positive","sentiment_score":0.4664318561553955},{"text":"How's your day been? Just finished work? Or I've just come back from overseas. I flew back in from Bali yesterday, so today's a quiet day before work tomorrow. so jealous. How was it?","start_word":78,"end_word":111,"sentiment":"neutral","sentiment_score":0.2456570267677307},{"text":"It was good. Yeah. It was good.","start_word":112,"end_word":118,"sentiment":"positive","sentiment_score":0.5054743885993958},{"text":"Yeah. Did you have good weather? There's a little bit of rain, but mostly overnight and in the morning, so then it would clear up, which was lucky. Oh, yeah.","start_word":119,"end_word":148,"sentiment":"neutral","sentiment_score":0.16865581274032593},{"text":"Beautiful.","start_word":149,"end_word":149,"sentiment":"positive","sentiment_score":0.453732967376709},{"text":"Well, I Yeah. will try not to give you too long. I'm sure you're a bit jealous and have things to do today. So I will try not to give you for too long. But before I do kind of jump into the annual review, I do like to start by asking if there is any specific areas you would like me to touch on today or any particular questions or just a bit of a catch up and see kind of what's happened in the last twelve months. Yeah. Just a bit of a catch up. I wanted to mention a few things. I've got a little list Mhmm. just to make sure I'm on the right path, really, because Yep. I bought a house in the last twelve months. I've Yes. changed my health insurance, and I've also moved job roles. So I kinda want to chat Okay. to you about all those things and make sure I'm still, yeah, It's on all the right path with you guys. yeah. Okay.","start_word":150,"end_word":322,"sentiment":"neutral","sentiment_score":0.0882260799407959},{"text":"Perfect.","start_word":323,"end_word":323,"sentiment":"positive","sentiment_score":0.3372308015823364},{"text":"So what I might do then is kind of go through a bit of that fact find with you now, and they kind of update some of your information, and then we can kind of see if we need Yep. to make any tweaking changes to your advice based based on that.","start_word":324,"end_word":375,"sentiment":"neutral","sentiment_score":0.09800883296590585},{"text":"So you bought a property, which is great, because I know last time we spoke, that was kind of something you were looking at doing. So congratulations Yep. on the house. Thank you.","start_word":376,"end_word":408,"sentiment":"positive","sentiment_score":0.533269464969635},{"text":"Where how much is that one paid at? Do you know? Value that? Mhmm. I purchased it for $2.80. About $2.80. And mortgage attached to it? Currently, I've got $1.95 owing. Mhmm. One ninety five. Perfect. While we are talking about assets, I'll just reconfirm the other stuff I have. Your motor vehicle, right, out of us 38,000? Yes. Yep. Yep. Perfect. And you don't have anything owing on that one? No. Nothing. No. And with your property as well, is the address which address is correct for you? For where I'm Yes. living, is well, I still have my stuff going to my dad's house so that when I'm five four, it still goes to him, if And that's you okay. is that the Tasmania property? Yeah. So 8 Yes. 32 South Road. Yes. Oh, that's perfectly fine. As long as Yeah. you are happy with that, Yeah. then I've we still can currently leave that. just got things going there, so that that doesn't get sitting in my mailbox for two weeks. No. That's all good. We can leave that. Amazing. But your the property that you bought, is that over in WA or where is that? No. That's also on 0, King Island yeah. Perfect. in Tassie. Yep.","start_word":409,"end_word":619,"sentiment":"neutral","sentiment_score":0.019061792641878128},{"text":"Beautiful.","start_word":620,"end_word":620,"sentiment":"positive","sentiment_score":0.3411650061607361},{"text":"And I also have a shared portfolio of about 4,000. Yeah. I need to work out I actually need to chase that up because I definitely had shares given to me through BHP, and I've never Yep. properly located them. Okay. Yeah. I really need to put on my list of things to do to try and locate it and work out what the value of that is. Yep. Yeah. Perfect. No. That's good. That's fine. So are you happy for me to just kind of leave it at 4,000 for now until we know? Yeah. Or Currently, should I just leave it? Because I yeah. I can't tell yeah. you what it would actually be at. I'll put it on my list Yeah. of things within. Yep.","start_word":621,"end_word":748,"sentiment":"neutral","sentiment_score":0.02726064738817513},{"text":"Perfect.","start_word":749,"end_word":749,"sentiment":"positive","sentiment_score":0.49929913878440857},{"text":"Otherwise, do you have any other assets in the last twelve months or mainly just the property? Just the property and my vehicle. Just the Yeah. property. Pretty much. Yep. Perfect. And do you have any other liabilities, like personal loans or credit card or ZipPay? Only my credit card, but I zero it every time I get paid. Yep. So more just using it for, like, points and stuff. Yep. Yep. Yep. Okay. No. That's fine. And employment wise. So you said that changed. What are you doing now? Yep. So I'm still I'm working at Bolt Minerals still. So I think that's what I would Yep. that's what I told you last time, Yes. but I've moved up a job role. So I'm currently just signed a contract for a charge up position.","start_word":750,"end_word":884,"sentiment":"neutral","sentiment_score":0.05223086103796959},{"text":"So Oh, just beautiful. dealing with Congratulations. yeah. Thank you.","start_word":885,"end_word":894,"sentiment":"positive","sentiment_score":0.5005779266357422},{"text":"Yeah. Just dealing with more of those explosives full time. I know I mentioned that in Yep. the in the health thing I did with you guys that Yep. I had I do handle explosives occasionally, but, yeah, now it's my full time role. Yep. And I am very glad we got your insurance assaulted before that change because with insurances, what happens is at the time of application, what we disclosed was correct, which is perfect Yep. because it was Okay. slightly less risky in that way. Yep. And that is perfectly fine. Now the only reason and we're not required to go to the insurance and say, hey. I've changed a more risky occupation. They aren't because it's already underwritten and tailored for you. The only reason Mhmm. I would go to the insurer is when clients move from a risky occupation to a non risky occupation. Because, obviously, if you are riskier, it's higher premiums Yep. and some restrictions potentially. So if, for example, you told me, oh, no. I'm no longer dealing with exposures whatsoever. I'm not even working in the mines. I'm just in the office. Yep. I would say, cool. I wanna go back to the insurance and see if I can get you better rates because it's safer.","start_word":895,"end_word":1109,"sentiment":"neutral","sentiment_score":0.05694625675678253},{"text":"Excellent.","start_word":1110,"end_word":1110,"sentiment":"positive","sentiment_score":0.5824928283691406},{"text":"So Yep. that's your right. If when we have clients do the opposite, so for you, we wanna leave it because you have cover in place at the moment, which you are covered for. Now if your role change or becomes riskier, that's fine because you are still covered for your occupation. You're still covered at the time of underwriting. So I'm Okay.","start_word":1111,"end_word":1173,"sentiment":"neutral","sentiment_score":0.11820350587368011},{"text":"very glad Amazing.","start_word":1174,"end_word":1176,"sentiment":"positive","sentiment_score":0.5819923877716064},{"text":"we got that in place for you because if we tried today with, obviously, you work more with explosives, they they very much say, too risky. Sorry. I'm glad we had that in place for you. Okay.","start_word":1177,"end_word":1213,"sentiment":"neutral","sentiment_score":0.10580144822597504},{"text":"I'll Amazing.","start_word":1214,"end_word":1215,"sentiment":"positive","sentiment_score":0.3581182062625885},{"text":"still update our records, though, but in terms of updating occupation with insurance, we don't have to, which is great. Okay. Weekend. Yes. Okay. So still with the same in company. What's the title called now? Do you know? It's a charge up. Charge Yeah. Just up. charge up roll. Charge up role. Perfect. Still working, like, full time, flying, fly out. Yep. Yep. Yep. Perfect. And that's still kind of underground as well? Yes. Correct. Yep. Yep. Yep. Perfect. And when did you change that? I only signed the contract last swing, but it was backdated to the January 8 of this Okay. Perfect. And because you're with the year. same employer, did any of your employer benefit change? Because I know that you have some insurances through the employer. So you have, like, your your income protection and a little bit of life attached to it. Do you know if any of that changed, or is it just because you're still with the same employer that stays in place? I'm still in the same employer at the moment. I Okay. don't believe any of that changed. Okay. The only the Perfect. only thing I was showing was my contract, which is basically what they require from me and my new pay rate. It didn't really have a lot Yeah. of Okay.","start_word":1216,"end_word":1438,"sentiment":"neutral","sentiment_score":0.02419926857600832},{"text":"Perfect. Well, that's good.","start_word":1439,"end_word":1442,"sentiment":"positive","sentiment_score":0.5506275296211243},{"text":"detail. And the new pay, what's that one roughly at? It's a 150.","start_word":1443,"end_word":1455,"sentiment":"neutral","sentiment_score":0.09826907515525818},{"text":"Oh, and that's a nice increase.","start_word":1456,"end_word":1461,"sentiment":"positive","sentiment_score":0.4492745101451874},{"text":"Makes a Yeah. bit of a difference, especially with It's the a good mortgage job. and stuff. Yeah. Yeah. And no changes otherwise, yeah, in any benefits. Employer contribution stays the same at 12%, like, no changes there. Sorry. No. I think it's the same. No. Yep. Yeah. Perfect. Now I had here as well that you were saving about $1,500 a week at the last time we spoke. Is that still roughly the case, or are you saving a little bit more or less, obviously, with the property? I haven't I've kind of got rid of my savings account. My savings is the property. So whenever I've got spare cash, that's going straight onto the onto Yep. the loan. Except So of I think yeah. I Is borrowed that $1.20, and I've, mhmm. yeah, Yep. managed to pay that down $20.25 since Yep. Okay. September, Perfect. I believe.","start_word":1462,"end_word":1610,"sentiment":"neutral","sentiment_score":0.04432479664683342},{"text":"That's good. That's really good.","start_word":1611,"end_word":1615,"sentiment":"positive","sentiment_score":0.42886385321617126},{"text":"And is that just in, like, an offset or do you pay directly on the loan? Yep. No. It's an offset, so I could always withdraw Yeah. back off it. Yeah. Yeah. Good. Perfect. No. That's that's good. Trying to keep the interest down. Exactly. Especially nowadays with everything Yep. as well. Yeah. Okay. Perfect. Otherwise, personal details. I have you down here as single with no financial dependence. That's still okay? Yeah. Yep. Yep. And I don't have a next obtained on file for you. So in the event that we can't contact you, who is someone you would like to nominate? And that can be anybody. So I was going to with my next ticket, is that just for Mhmm. you you to call? Yes. I've been meaning to update my I think I have the letter there. I've been meaning to get it back to you guys, but I had to chase up my brother. I was gonna put him down as, like, the executor because I don't have, like, a dependent Mhmm. at all. So I wasn't sure about, like, whether there's How someone to do I can it? put down. But as next of kin, do you just want, like, an emergency Correct. Yeah. For for this, but we'll also touch on that their beneficiary forms as well. But for this purpose, just next step, Ken, it's literally just someone we can contact if you go completely able and we can't get in touch with you just to make sure contact? you're Yep. okay, essentially. Probably my dad. Yep.","start_word":1616,"end_word":1879,"sentiment":"neutral","sentiment_score":0.030483866706631627},{"text":"Perfect.","start_word":1880,"end_word":1880,"sentiment":"positive","sentiment_score":0.49723711609840393},{"text":"And his best his name. Sorry? Brian, b r I a n. Y n. And same last name as you? Yeah. Yep. Yep.","start_word":1881,"end_word":1903,"sentiment":"neutral","sentiment_score":0.0655154213309288},{"text":"Perfect.","start_word":1904,"end_word":1904,"sentiment":"positive","sentiment_score":0.35241082310676575},{"text":"And best contact number? 0428 Two eight. Yes. 621 Two one. Yep. 011. 011. Perfect. Now with beneficiary as well, that is different. So that is so for your super and your insurances. So in the event that something were to happen to you. Now with those nominations, would you like us to resend it to you? Do you have them still? Just a matter I of think I I think I completing have them them. still. I I held Okay. on to them until I saw my brother to double check whether he Yep. was happy Okay. to go on to it, and that was only in February he agreed, and I've been meaning to Okay. fill it in. That's okay. But if I put his details on as my beneficiary, how how well does that stand up? So that is a very good question because when it comes to superannuation, it's you have to follow the safe act, and it's quite strict on who you can actually nominate directly. So to nominate someone directly on that form, it has to be a valid nomination. Now the only people who are a valid nomination directly is either a spouse, a child, someone who is financially dependent on you, and you are in an interdependent relationship. But, basically, that that is someone who must remain financially dependent on you at the time of your passing. You need to have, like, a close personal relationship, live together, support each other. So often, I have a lot of clients who are like, well, if I don't have any kids or I don't have a partner or I wanna give it through my brother, my mom and dad, my nephew and nieces, how do I do that? So the way that you can do it is you Yeah. would have to do it through a legal personal representative call. Basically, it's a fancy word for saying it reverts to your will. So the only little tricky part is that you would have to have a a will in place. And then in the will, you can stipulate whoever you want. So you can put your brother or your any family members or friends, and you can do different portions and and however you want to. If the valid nomination is in place, then because, basically, how it works is your super insurance does not form part of your estate. So if something were to happen that falls outside of the estate, so some people can have a different nomination for Subaru Insurance to how you want your estate distributed. But if you would like it as part of the estate is where we would then nominate a legal personal representative. So in terms of completing the forms for you, if you would like your brother or any other family members or friends or anything like that, it would be on the form. We would complete it as a 100% going through your legal personal representative, it's called, on the form. There's, like, a little tick box. Personal representative. Yeah. Yes. And then you would just have to, yeah, have a will Yeah. to do Because that. I went and got, which I also have with the paperwork, I believe, because I had intentions Yep. of getting it done, and it it's kind of fallen fallen That's off okay. top of my list. But I did Yeah. get a just a post office will, but I was Yes.","start_word":1905,"end_word":2488,"sentiment":"neutral","sentiment_score":0.03201646267831938},{"text":"also told on the grapevine that that doesn't stand up very well.","start_word":2489,"end_word":2500,"sentiment":"negative","sentiment_score":-0.4762607216835022},{"text":"So then I got stuck in a position where I wasn't too sure. It's it's it's kind of a bit like it's always the safest to go through a lawyer.","start_word":2501,"end_word":2530,"sentiment":"neutral","sentiment_score":-0.23000213503837583},{"text":"It is the most comprehensive and airtight option. A will kit option is still better than having nothing.","start_word":2531,"end_word":2548,"sentiment":"positive","sentiment_score":0.4502589702606201},{"text":"As long as you Yeah.","start_word":2549,"end_word":2553,"sentiment":"neutral","sentiment_score":0.2509000599384308},{"text":"read the instruction on the the will care and you complete it, then that's still a lot better option than not having anything.","start_word":2554,"end_word":2576,"sentiment":"positive","sentiment_score":0.4004969298839569},{"text":"And a lot of the times, people don't wanna have to pay for a lawyer or if you estate is pretty simple, then having their post office is a lot better than having nothing there. Will it be as airtight as a lawyer? Usually not, but it's a lot better than having nothing.","start_word":2577,"end_word":2629,"sentiment":"neutral","sentiment_score":0.23950080573558807},{"text":"And I have so many people who who just on the will kit, and that's still fine.","start_word":2630,"end_word":2646,"sentiment":"positive","sentiment_score":0.3708251714706421},{"text":"As long as you kind of read the instructions to fill it out correctly, that would be, like, the biggest kind of risk. It is Mhmm.","start_word":2647,"end_word":2672,"sentiment":"neutral","sentiment_score":-0.20804020762443545},{"text":"pretty straightforward with how you do it.","start_word":2673,"end_word":2679,"sentiment":"positive","sentiment_score":0.35664069652557373},{"text":"And we say as well that if you do decide to do the post office will kit, you can always send me a copy of it if you would like, and then we can Okay. keep it on file as well, especially Yep. if, you know, you are obviously traveling or moving and stuff. It sometimes can get lost. That way, we have it on file along with your beneficiary nomination and, obviously, everything else. So Yep. if something were to happen, we have everything in one place. Okay. Yep. Yeah. Does Yeah. that answer those questions? Pardon? Does that answer those questions for you, Emma? Yeah. Yeah. I think Yes. so. So Yeah. I still need to fill in the beneficiary. I can put down but, really, as my personal representative, but then followed Yes. up with the post office will Yes. Yes. Yeah. Correct. Yeah. Any chance of Okay. sending it, yeah, to us. With having the will in place on your sorry.","start_word":2680,"end_word":2844,"sentiment":"neutral","sentiment_score":0.09208304435014723},{"text":"With having your legal personal representative on the form as well, it does make it easy if your situation ever changed and you wanna update your will.","start_word":2845,"end_word":2871,"sentiment":"positive","sentiment_score":0.38348034024238586},{"text":"You don't have to update these forms because it just does it goes to your will. And then in your Yep. will, you can stipulate how you want it, or you can even have, you know, first person this. If something were to happen and that person's no longer, then I want this. Like, it gives you a bit more flexibility Yeah. with how to structure it, whereas, yeah, directly on the form, it's just choosing, you know, a couple of options, and it's quite limited in the box where you can fit it into. Yep. Yep. Alright. And like I said, if you do complete if if you do decide to do the post office, you're more than welcome to just email me a copy, and I can Mhmm. always, yeah, keep it keep it on file for you. Yeah.","start_word":2872,"end_word":3012,"sentiment":"neutral","sentiment_score":0.15283635258674622},{"text":"That would be amazing, probably, just in Yeah.","start_word":3013,"end_word":3020,"sentiment":"positive","sentiment_score":0.3973022401332855},{"text":"case. Yeah. And, also, let someone know where you have a copy, but, yeah, we can always keep a copy on file if we keep all your other financial records. So sometimes it is easier to keep it all together, and then that way, you know, just obviously let family stuff know that if something ever were to happen, give them our contact details, and then we have everything sorted. Yes. Yep.","start_word":3021,"end_word":3092,"sentiment":"neutral","sentiment_score":0.29645219445228577},{"text":"Perfect.","start_word":3093,"end_word":3093,"sentiment":"positive","sentiment_score":0.532020092010498},{"text":"Now let me see here. Any other changes otherwise for you? Health and lifestyle, any changes, or that's kind of all the same? Yeah. No. Not really. I'm No. I'm not really playing football anymore. Mhmm. But other than that, not really. I've just been, Not yeah, really. working and staying home and then traveling when I can. Yeah.","start_word":3094,"end_word":3152,"sentiment":"neutral","sentiment_score":-0.014560992829501627},{"text":"Beautiful.","start_word":3153,"end_word":3153,"sentiment":"positive","sentiment_score":0.35507673025131226},{"text":"But no, like, significant health issues or injuries or No. surgeries It's not. or anything.","start_word":3154,"end_word":3168,"sentiment":"neutral","sentiment_score":-0.1101049855351448},{"text":"That's beautiful. And I guess when it comes to goals for yourself, because you have now achieved what you were looking at in the next couple of years, which is to buy the property.","start_word":3169,"end_word":3202,"sentiment":"positive","sentiment_score":0.4157373607158661},{"text":"Yep. And then I think you also, when we spoke last, had a a snowboard trip planned for Japan as well, I believe. Yes.","start_word":3203,"end_word":3226,"sentiment":"neutral","sentiment_score":0.07316944313546021},{"text":"I did do that. Oh, how was it? And that was amazing. Absolutely amazing. I can imagine.","start_word":3227,"end_word":3243,"sentiment":"positive","sentiment_score":0.607259213924408},{"text":"And was that snowboarding for the first time? Yes. Yeah. Oh, nice. And did you go okay? It was a lot harder It's than harder I was expecting, than you but think. by the end of it, I think we got it. Yeah. Oh, nice. So I guess, Really like, hard. with the next twelve months or so, what would be your your main focus or your main goal? Obviously, settling in through the property and job and everything, but do you have any other kind of financial goals that you are working towards or just to kind of build up your savings? I think it's just the build up my savings by putting it on Yep. that home line and just get myself Yep. back up into a into a good position. With Yep. the the loan increases and stuff that's happening, I just wanna keep on top of that, really. Yeah. No. Perfect. That's good. Now any other changes otherwise before I move on to the next thing, Emma? Yeah. No. That's all good. Okay. It's Perfect. all So the good. other thing is just to kind of quickly go through, it's another risk profile questionnaire, but it is a lot shorter than the one we did last time. Yeah. Just to see if there is anything that's changed in terms of your risk allocation, how you feel about markets, or anything like that. Yep. Again, multiple choice to make it nice and easy, and you might recognize some of the questions. But if not, just let me know if it doesn't make sense. Mhmm. Now the the first question here is in regards to, how much risk you're willing to take for your superannuation. So, obviously, super is that long term. At the moment, you can't access it until you settle 60 if you stop working, but you do have plenty of time. But in terms of how much risk you're willing to take. So would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? I think that currently, it's still high to very high. Yep. Okay.","start_word":3244,"end_word":3606,"sentiment":"neutral","sentiment_score":0.02341453472444834},{"text":"Perfect.","start_word":3607,"end_word":3607,"sentiment":"positive","sentiment_score":0.5020545125007629},{"text":"And in terms of volatility, so it's a fluctuations. So we're obviously seeing quite a bit of fluctuations in the last twelve months. First, we had everything, obviously, over in The US with Trump and tariffs and everything, and Mhmm. more recently, the war as well. So the last twelve months have been a little bit more turbulent. We have seen a bit of that fluctuation, but a lot of that too was due to general trends in the market. So not like one particular investment. It's just what is happening in in the world, basically. Yes. So in that scenario, if you ever notice a portfolio going down by 20% due to the general trends in the market and the world. Would you, Mhmm. if you had the option to do so, think that, well, now is potentially a good time to invest a little bit more while the prices are down. Would you be a bit more neutral or just kind of hold and wait to see what happens? Or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped? I think I would invest while it's down currently. Invest. Yeah. And would you say invest heavily or just kind of modestly? Probably moderately, but too heavy ish, but, like, not the whole lot. Yeah. Yeah. A little bit. Just just not everything. Okay. Perfect. Yeah. And in in terms of fluctuations again, so if you obviously notice some some investment fluctuates and go down, how would that make you feel? Would you say optimistic about potential future opportunities? Again, a bit more neutral, not making further investments. Concerned or highly anxious? Optimistic. I'll hold Optimistic. into it and see what happens. Yep. Perfect. And the last one here is, would you ever consider taking out a loan to borrow full stocks or funds? No. No. Would you ever consider taking out a loan to buy an investment property? Investment property. Yes. Mhmm.","start_word":3608,"end_word":3944,"sentiment":"neutral","sentiment_score":0.0004667030298151076},{"text":"Okay. Perfect.","start_word":3945,"end_word":3946,"sentiment":"positive","sentiment_score":0.5010089874267578},{"text":"Now that tells me here, Emma, that you have come out as a high growth investor, which is the portfolio we currently have you invested in. Do you remember what it means to be a high growth investor at all? More that it's getting invested harder and into more things to try and make more benefit. Yeah. Basically. So it's you're obviously trying to grow your super as much as possible while you do have plenty of time. Short term, there will be some some ups and downs and market fluctuations in order to try to achieve long term growth. And Mhmm. when it comes through the asset allocation, we do look about 90% in those growth assets. So, like, Australian shares, international shares, property, and commodities.","start_word":3947,"end_word":4073,"sentiment":"neutral","sentiment_score":0.1679428368806839},{"text":"And that is what's going to maximize those returns for you and about 10% in defensive.","start_word":4074,"end_word":4089,"sentiment":"positive","sentiment_score":0.41427716612815857},{"text":"So, like, your cash, your gold, your fixed interest, limit fluctuations a little bit. Now are you still driving, or do you have access to your emails? I have access to emails at home now. Yeah. Okay.","start_word":4090,"end_word":4126,"sentiment":"neutral","sentiment_score":0.11802610009908676},{"text":"Perfect.","start_word":4127,"end_word":4127,"sentiment":"positive","sentiment_score":0.36909568309783936},{"text":"If you would be able to jump into your email, I have just Mhmm. sent you some documents to go through. And one of them actually kind of fits into while we are talking about this just to kind of show you. Now we have changed the software recently as well, Mhmm. so it might look a little bit different to last time. But let me know if that email came through. Yep. I've got it here. It's got Okay. the sign a document. Yep. So before you click on the link process sign now, can you see a couple of attachments at the bottom of that email? Yep. Oh, yes. Yep. Yes. So if you can you see one where it says 2025 Vanguard index chart? Yes. Yep. If you can open that one for me. Yep. Got it. Yep.","start_word":4128,"end_word":4268,"sentiment":"neutral","sentiment_score":0.06700685620307922},{"text":"Perfect.","start_word":4269,"end_word":4269,"sentiment":"positive","sentiment_score":0.388913631439209},{"text":"Now this is kind of good while we are talking about your risk Mhmm. allocation and the portfolio. Have you ever seen something like this before? No. I don't think I No. have. So it is a good visual representation of what we are typically talking about when we are talking about the market.","start_word":4270,"end_word":4323,"sentiment":"neutral","sentiment_score":0.09104686230421066},{"text":"And it's often good to see and Vanguard is really good.","start_word":4324,"end_word":4334,"sentiment":"positive","sentiment_score":0.677897036075592},{"text":"They update this on a yearly basis Mhmm. to kind of show the different trends. So this one here, you can see dates back to 1995, and then all the ups and downs and all the the world stuff that's happened until 2025. Okay. Well, Yeah.","start_word":4335,"end_word":4380,"sentiment":"neutral","sentiment_score":0.12105624377727509},{"text":"So it is good.","start_word":4381,"end_word":4384,"sentiment":"positive","sentiment_score":0.4667367935180664},{"text":"You can kind of see here, though, that long term market always goes up. Every single asset class goes up long term. Short term will be ups and downs and market fluctuations depending on what is happening in the world. Mhmm. So you can even see, you know, COVID. You can see that things took a pretty pretty big dip, but it Yeah. comes back around pretty quickly. And often when you see statistically as well when we we have those people that, you know, are trying to time the market, we typically say that, you know, not trying to time the market, and what matters more is actually the time in the market. Because Mhmm. often what we see as well that the biggest drops, which you can kind of see here on the graph, are very closely followed by pretty quickly come back around. So if you then, while things are going down, get quite nervous and sell out, you often then kind of miss out on the potential growth as long as you have Mhmm. the time behind you.","start_word":4385,"end_word":4566,"sentiment":"neutral","sentiment_score":-0.07231405377388},{"text":"So this also comes good, and the time frame comes good as well.","start_word":4567,"end_word":4579,"sentiment":"positive","sentiment_score":0.3342777490615845},{"text":"So the closer you get to retirement, obviously, the less time you have for those fluctuations. And that's when we want to start shifting No. some of the growth into defensive to kind of stabilize things a little bit for you. Because if you wanna access your Yep. money tomorrow, I don't want that to be a dip right then. But, basically, the the high growth portfolio, 90% is those top four. So you Yep. can Okay. see those graphs grow the most. So you can even see in 1995, The US shares was 10,000. Today, 214,330 Wow. 2. So massive difference, but also during that time, it seems the biggest amount of fluctuation. Mhmm. And then, yeah, 10% in those defensive, which you can see hasn't grown near as much, but they're a lot more stable. Does that make sense? Yep. Yeah. Yep. Yep. Yep. Now when we are looking at a time frame for a high growth portfolio, we like to ideally see about eight years until retirement to making sure you have enough time for those fluctuations. So from a time frame point of view, you you definitely have the eight years behind you as long as you are comfortable with the level of risk and stuff in a high growth portfolio. Is that something you're still comfortable with? Yeah. At this stage. Yeah. Yep. Yep.","start_word":4580,"end_word":4808,"sentiment":"neutral","sentiment_score":0.08494202159019797},{"text":"Perfect.","start_word":4809,"end_word":4809,"sentiment":"positive","sentiment_score":0.5503573417663574},{"text":"So if at any point in time anything does change, just let me know. It doesn't have to be at a review point. Mhmm. But, yeah, often clients in similar ages to yourself, we see in high growth, if not even more, you're aggressive as well because you have the time. But it also comes down to, obviously, your risk capacity and stuff like that. Because I also, at the same time, have some clients who are, you know, early twenties that's super, super conservative. Mhmm. And if something fluctuates, they get really worried. But on the flip side, I also have someone who is, like, 65, 70 that goes, no. I'm Yep. comfortable with that. So time does play a big role, but also how you feel and how you would react in certain situation also plays it. Yep. Perfect. Now while we are on the email, let me Mhmm. see here. Can you also see the next one where it says twelve month hub 24 portfolio performance Yep. report? Can you see that? Yep. Perfect. Is it the the I r r? Yes. Yeah. Internal rate of return. So this one Yep. here might look a little bit messy. It sometimes does, but it does show you all your portfolio. It shows Mhmm. you what's happened in the last twelve months, and it shows you everything after fees. So on here, you can see all your individual investments and how they have performed. So kind of like we touched on the last twelve months, we have seen quite a bit of fluctuation. Despite that, though, your portfolio is still positive, which is good, because it has, yeah, been a bit volatile. So it is still up by about 3.93. Now, obviously, ideally, Mhmm. we would like to see it a bit higher, but it's not unexpected for what's happened in the market, especially during Okay. the, you know, periods of volatility and mixed performance across different sectors. What Yeah. is more important is that the portfolio was designed to be diversified. So rather than relying on one particular market or, like, a theme, the diversification help reduce the overall volatility, but then also kind of protect capital during weaker periods in certain areas. So when we do look at the individual investment, we can see that the strongest contributors to your portfolio is your gold, which was up by about 25%, which was pretty crazy, which also obviously benefited from that kind of ongoing geopolitical uncertainty and also, like, the inflation concerns we've had. You can also see that the iShares S and P five hundred was a strong contributor as well, which was supported by the continued strength in the large US companies. Mhmm. But then also the global infrastructure and thematic exposures added a lot of that stability and diversification to your portfolio. So overall, the portfolio has still held up pretty well given what's happened in the market, But it is something we always wanna continue through to research because things are always changing, and we do a lot of research on the investments. And if we foresee one investment not being like a cyclical trend at the moment and there's something a bit more going on, we wanna look at potentially changing that. Now there is one of the investments in your portfolio that I would like to do that with if you are happy with that, and that Mhmm. is your Benelon Australian equity. So that one was was one of the contributor through in not growing as much.","start_word":4810,"end_word":5405,"sentiment":"neutral","sentiment_score":0.13080114081201938},{"text":"And the one of the reason is that it was added to your portfolio because it was one of the best performing fund managers, and they've done really well.","start_word":5406,"end_word":5434,"sentiment":"positive","sentiment_score":0.4483479857444763},{"text":"More recently, they've been a little bit slower with making their investment choices.","start_word":5435,"end_word":5447,"sentiment":"negative","sentiment_score":-0.35241779685020447},{"text":"Yep. And then one of the investments that they actually had in their portfolio was the Corporate Travel Group. And I'm not sure if you read or heard anything about it, but that company had a bit of issues with their reporting, which actually put everything on pause. So because they couldn't trade, it then kind of reflected everything in the share prices. Mhmm. So the investment committee would do a lot of research on the investments because we wanna make sure that at all points in time, we have you in the best investments possible.","start_word":5448,"end_word":5543,"sentiment":"neutral","sentiment_score":-0.09064575284719469},{"text":"And the good thing with hub twenty four is that there's hundreds of hundreds of different choices.","start_word":5544,"end_word":5560,"sentiment":"positive","sentiment_score":0.4773831963539123},{"text":"And if we perceive one like Benelung that we don't think is potentially going to be the best one moving forward, we then wanna look at changing it. So we have done a lot of research and found one that is quite similar in terms of because if we're swapping out an Australian market, we also wanna introduce another Australian market because we wanna keep the diversification. We don't want everything globally, everything in The US. We wanna give you that diversification. So there is one that's called the the BetaShares Australia two hundred, which, again, does invest in the 200 largest companies in Australia. But instead of we've been along how they are kind of cheaper because it just tracks the 200 largest. So as a company grow and gets bigger, it gets added to the list, and if something gets smaller, it gets off the list. So it gets added to the list, and if something gets smaller, it gets off the list. So Mhmm.","start_word":5561,"end_word":5727,"sentiment":"neutral","sentiment_score":0.021714281290769577},{"text":"it's it's a bit cheaper because of it, which does reduce the fees, which is great, but it also kind of performed a lot better than Benelung recently. So if you are happy with that, what I can do is I can issue you something that's called a record of the device just to say that we are going ahead to make that investment change, just that one for you.","start_word":5728,"end_word":5797,"sentiment":"positive","sentiment_score":0.46949777007102966},{"text":"Yep. You don't have to sign it or anything like that. It's just for your records to to say that that's what we've done if you are happy with that. Yep? Okay. Yep. Yeah.","start_word":5798,"end_word":5831,"sentiment":"neutral","sentiment_score":0.20296081593808005},{"text":"Perfect.","start_word":5832,"end_word":5832,"sentiment":"positive","sentiment_score":0.6017992496490479},{"text":"Not a problem So at all.","start_word":5833,"end_word":5838,"sentiment":"neutral","sentiment_score":0.315585196018219},{"text":"I, yeah, perfect. Now I will get that emailed through you.","start_word":5839,"end_word":5849,"sentiment":"positive","sentiment_score":0.4002858996391296},{"text":"It might not be until either tomorrow, potentially Monday. Mhmm. But just keep a look at for your emails, and we'll go ahead and and make that change for you. And that should see see things as well. Hopefully, things do come down a little bit in the world. You never know, though. And kind of looking at that graph with Vanguard, it's it's not unusual for things to happen. And long term is where we do see see that growth. Yep. So that's why it is important to kind of look beyond twelve month period because on that graph, again, during some of those twelve month period, it looked amazing, whereas other years, not so much. Yep. Yeah. Does that make sense? Do you have any questions? No. That's good. Yep. Yep. Okay. Perfect. Now back to the email as well, you should see one where it's called super and insurance summary. Can you see that? Yep. Mhmm. Yep. Perfect. You're gonna open that one for me. Yep.","start_word":5850,"end_word":6018,"sentiment":"neutral","sentiment_score":0.07864361256361008},{"text":"Perfect.","start_word":6019,"end_word":6019,"sentiment":"positive","sentiment_score":0.3373052179813385},{"text":"Now this one here gives you a bit of a breakdown of your super balance and your insurances. So you have your super in Hub 24, and you do have about 72,562 in there, which is good. And you also have your one part insurance. So you have about a million dollars worth of life and TD. Now with your life and TPD, are you still happy with that level of cover if something were to happen? It obviously still will pay out the remaining mortgage or anything like that and still leave quite a bit extra. Are you still Mhmm. happy with that level of cover, or would you like to change anything? No. I think that's fine. Yeah. Yep.","start_word":6020,"end_word":6140,"sentiment":"neutral","sentiment_score":0.11876245588064194},{"text":"Perfect.","start_word":6141,"end_word":6141,"sentiment":"positive","sentiment_score":0.3707690834999085},{"text":"And now you also do have that employer paid policy, which would be about last time we checked, it was about it was one year's worth of salary.","start_word":6142,"end_word":6169,"sentiment":"neutral","sentiment_score":0.10509144514799118},{"text":"So, obviously, if your salary has gone up, you probably get a little bit more now, which is good.","start_word":6170,"end_word":6188,"sentiment":"positive","sentiment_score":0.3782510161399842},{"text":"And then Mhmm. also an income protection, and that was covering about 75% of your salary. And having a look at the contract last time, it does change with your salary. So if your salary did go up, then most likely, that will be about 75% of your salary as long as that still kind of stays the same for the employer. Okay. Now any questions about that? No. That's all good. No.","start_word":6189,"end_word":6261,"sentiment":"neutral","sentiment_score":0.15822520852088928},{"text":"Perfect.","start_word":6262,"end_word":6262,"sentiment":"positive","sentiment_score":0.33542680740356445},{"text":"Now back to the email, you will also see one where it says COC, so certificate of currency for one pass. Can you see that? Yep. Yep.","start_word":6263,"end_word":6289,"sentiment":"neutral","sentiment_score":0.10017645359039308},{"text":"Perfect.","start_word":6290,"end_word":6290,"sentiment":"positive","sentiment_score":0.448137640953064},{"text":"So if you're gonna open that one, it just breaks down your insurances in a little bit more detail there for you. Now you can also see the premium here. So it says the total yearly premium.","start_word":6291,"end_word":6327,"sentiment":"neutral","sentiment_score":0.2606775760650635},{"text":"So it's pretty cheap, which is good.","start_word":6328,"end_word":6334,"sentiment":"positive","sentiment_score":0.5217098593711853},{"text":"So it's about $881 for both of those.","start_word":6335,"end_word":6342,"sentiment":"neutral","sentiment_score":0.32406890392303467},{"text":"So both a a $1,000,000 worth of life and the TPD for you.","start_word":6343,"end_word":6355,"sentiment":"positive","sentiment_score":0.3612377345561981},{"text":"Mhmm. Yep. Now back to the email, you will have two more attachments. I will let you have a read over those in your own time. You have seen these before. It's one of those compliance documents. So just the financial services guide and the OQ services guide. There's Yep. no major changes to any of the information there. It's basically just we've had a bit of an update to marketing.","start_word":6356,"end_word":6426,"sentiment":"neutral","sentiment_score":0.11710444837808608},{"text":"So as you do go and have a look at it, you will see we have some new updated photos, which is nice. And we've also had a bit of an extension to the team, which is great as well.","start_word":6427,"end_word":6466,"sentiment":"positive","sentiment_score":0.41000646352767944},{"text":"So Yep. I'll let you have a read over that in your own time. But, otherwise, the last thing is if you are happy to do so is if you then press where it says sign now or request signature, it should ask you to sign two documents. Okay.","start_word":6467,"end_word":6515,"sentiment":"neutral","sentiment_score":0.1697589010000229},{"text":"Now one of them is your ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start_word":6516,"end_word":6540,"sentiment":"positive","sentiment_score":0.43937936425209045},{"text":"Now there is no changes whatsoever in regards to the fee structure. So it stays exactly the same at that 1.65 from Sousa. No changes whatsoever in regards to it, and it is not a lock in contract. So if at any point in time you are not happy with the service or you were just not happy, no lock in contract, no extra fees, or anything like that.","start_word":6541,"end_word":6609,"sentiment":"neutral","sentiment_score":0.05303697369020918},{"text":"So this just lets us service your account and everything in the meantime and just to make sure that, obviously, yeah, you are happy with everything and that's something we'll then upload through Hub twenty four so we can keep making those investment changes and stuff for you.","start_word":6610,"end_word":6657,"sentiment":"positive","sentiment_score":0.5537519454956055},{"text":"Yep. And then the last one where it should ask you to add a signature is where it says tax file number, I should say, which is just asking you to sign. It's just a compliance form to say that we are keeping your tax file number since you're unsafe on file. Okay. Yep. Not a problem.","start_word":6658,"end_word":6714,"sentiment":"neutral","sentiment_score":0.13741467893123627},{"text":"Yep. Perfect.","start_word":6715,"end_word":6716,"sentiment":"positive","sentiment_score":0.4220285415649414},{"text":"So, yeah, basically, from here is if you wanna have a read through the documents, more than welcome to. When you have a moment, sorry. If you, yeah, have a read through any questions, let me know. Otherwise, we do need you to sign those documents. Once you have signed it, it should say validate, and they will then send it back to the team, or we can get that all processed for you. Mhmm. Yep. And in the meantime, I will draw up that record of advice for you to say that we are doing that investment change. You don't Mhmm. need to sign it. Like I said, it's just for your reference so you can see the change. Yep. I'll keep a lookout on my emails as well, for your will if it does come through, and then also in the post for your beneficiary forms as well. If you can't locate them or you would like us to resend them to you, just let me know as well. I think I've just found them, and they've got there's a beneficiary nomination form for hub Yes. 24, Mhmm. and then there's a nomination of beneficiary for one path. These are two I need? Correct. Yeah. Hub 24, Okay. that's for your super, and then one Mhmm. pass is for your insurances. So you can So do the same both yep. I'm so I'm actually filling them both in for our legal personal representatives. Is that correct? Correct. Yes. Yep. If Yep. you would like it to go to the will and then, like, your brother and stuff, then yes. Mhmm. Yep. That's the way to do it. Okay.","start_word":6717,"end_word":6996,"sentiment":"neutral","sentiment_score":0.1307782431798322},{"text":"Not a problem at all. I'll get these filled in and hopefully chuck them in the post real soon. Yes. Perfect. Now do you have any other questions for me otherwise before I let you go and enjoy the rest of your afternoon, Emma?","start_word":6997,"end_word":7040,"sentiment":"positive","sentiment_score":0.39718371629714966},{"text":"I don't think so. I don't need to update you on my own, like, health insurances I'm paying and stuff. Do I? No. As long as you do have one, Yep. just because of Yep. your income, that's private health insure sorry. That's hospital as well? Yes. Yep. Yes. Okay. Perfect. No. That's fine. It doesn't really change anything. It's more so for us, it's just knowing if you have it or not. Because especially because you are a high income earner, if you don't have hospitals as part of it, you would then unfortunately have to pay that additional Medicare levy surcharge for additional tax. That's why having Yep. it, you don't, which which is great. So, yeah, because your income is is high, it is good that you do have the private health for that purpose at least. Yep.","start_word":7041,"end_word":7181,"sentiment":"neutral","sentiment_score":-0.01590646803379059},{"text":"Perfect.","start_word":7182,"end_word":7182,"sentiment":"positive","sentiment_score":0.34929004311561584},{"text":"Yep.","start_word":7183,"end_word":7183,"sentiment":"neutral","sentiment_score":0.2276062369346619},{"text":"Perfect.","start_word":7184,"end_word":7184,"sentiment":"positive","sentiment_score":0.44810912013053894},{"text":"And if I was to decide to, like, rent my house out as an investment property going into, like, next year. Is that something I need to update you guys on if I was to make that move? Mhmm. Mhmm. Not really. Unless it changes, like, unless you want assistance with anything. So if you were just changing it and you struggle with cash flow, we can definitely assist you with that. It would just be more so if your wishes and goals changes. So if it is that you change your your property and it's you want more or less for insurances, if something were to happen because it pays off yourself, that would seem when we would make changes. Mhmm. But in terms of if you own it or not, it doesn't really change your your super or anything like that. And if we're not doing, like, directly, like, cash flow management, then then no. But if it is something you wanna assess or look at, let me know. And at the same time, if you want another opinion for a a lender or mortgage broker to assessing for you, again, let me know because we have a couple of contacts that we work closely with. I can just do a Yep.","start_word":7185,"end_word":7398,"sentiment":"neutral","sentiment_score":0.04346289081829731},{"text":"couple of proposals for you.","start_word":7399,"end_word":7403,"sentiment":"positive","sentiment_score":0.3601491451263428},{"text":"Just to let you know what things might look like Mhmm. and see if it's, you know, obviously doable and how that would look fine as well.","start_word":7404,"end_word":7430,"sentiment":"neutral","sentiment_score":0.27285969257354736},{"text":"Yep. Amazing. Yep. And Perfect. as for ending up the financial year and the possibility Mhmm.","start_word":7431,"end_word":7446,"sentiment":"positive","sentiment_score":0.5041009187698364},{"text":"of speaking to an accountant for tax time, do I just make that Yes. with appointment with you as well? So it is with one of our partners. Mhmm. So I can either get them either you can tell me email me and say, hey. I want someone to contact me, Mhmm. or I can pass on your information through them and get them to give you a call. Or I can Okay. send you an email with their contact details, and then you can call them whenever you want to. Whatever works best for you. Do they have, like, a, like, specialize in mining at all to help me out in that manner? There are different Mhmm. ones that specializes in different things. They are very versatile, Yep. but I can give them a call as well just to see which one would be more suitable for you. But we do have a lot of clients that work in the mine that do work with them. Yeah. So I'm Okay. sure there would be a to carry across it, but I can would you like me to send you their contact details, or would you like me to contact them and then for them to give you a call and see how things would work, booking an appointment. Yeah. If they could call me on next break, that would be that Yep.","start_word":7447,"end_word":7679,"sentiment":"neutral","sentiment_score":0.120699905722438},{"text":"would be great.","start_word":7680,"end_word":7682,"sentiment":"positive","sentiment_score":0.6017570495605469},{"text":"And when is that? So I go to work tomorrow for two weeks, so I'll be back on break on the twenty second. The '20 So, second basically, of maybe maybe call from the twenty fifth onwards for the next week okay. of that week. May 25 for that week. And Yeah. will you be on Tasmania time at the time? Oh, actually, on WA time, I'm heading down WA to Margaret River time. with a friend. Yeah.","start_word":7683,"end_word":7760,"sentiment":"neutral","sentiment_score":0.03944700211286545},{"text":"Oh, lovely. Oh, perfect.","start_word":7761,"end_word":7764,"sentiment":"positive","sentiment_score":0.4657641053199768},{"text":"Just Yeah. so I let them know as well so they don't call you too early in the morning Yep.","start_word":7765,"end_word":7784,"sentiment":"neutral","sentiment_score":0.15842477977275848},{"text":"That'd be with great.","start_word":7785,"end_word":7788,"sentiment":"positive","sentiment_score":0.49279531836509705},{"text":"the time difference. Okay. So May 25 for that week. And do you prefer morning or afternoon or just kind of any time? And then if you're not available, just give them a callback. Kind of that midmorning to lunchtime is Midmorning. perfect, that ten to twelve. Okay. So about ten to twelve WA time.","start_word":7789,"end_word":7843,"sentiment":"neutral","sentiment_score":0.05437492206692696},{"text":"Great.","start_word":7844,"end_word":7844,"sentiment":"positive","sentiment_score":0.4969642162322998},{"text":"I will get in touch with them and get them through to give you a call, and I will also just triple check that they are very across, obviously, mining and stuff like that. But like I said, we do have quite a lot of clients that do work in the mine that that use them as well. But I'll just flag that as a little thing just to make sure. Otherwise, I will get in touch with them and get them to give you a call. Is there anything else or any other questions you have for me, Emma? No. I think that's all, Veronica. I really appreciate No? it. Thank you. No. No problem. And if anything does change even, like, throughout the year for you as well, like, Mhmm. we can do more frequent catch up. So if it is that you want a bit more of, you know what? I don't wanna wait twelve months. I would like six months to catch up to see, you know, how my super is now tracking or changes. We can do however frequent catch up you would like as well. So are you happy with yearly? Would you like six monthly, three months, or what do you what do you prefer? I think yearly is fine at the moment. Jelly? Yeah. Until Okay. until something starts to make change in my life. Yeah. Yeah. Yeah. And if anything does change, like I said, at any point in time, it's all part of the service. You can email or call me whenever you want to. So even if Mhmm. you just have some questions, you can do that. Or, yeah, if anything does change that you are looking at making a drastic change or anything, just let me know, and we can always just kind of go through if we need to make any, you know, changes or anything for you.","start_word":7845,"end_word":8165,"sentiment":"neutral","sentiment_score":0.14029918360375912},{"text":"Yep. That would be amazing. Yep. Yep. Perfect. Well, I'm always here if you need anything or have any questions. Otherwise, I will let you go, and enjoy the rest of the afternoon. And, hopefully, everything goes nice back at work tomorrow. Fingers crossed. Thank you. Really Yeah. appreciate No it.","start_word":8166,"end_word":8216,"sentiment":"positive","sentiment_score":0.636245846748352},{"text":"worries. No worries.","start_word":8217,"end_word":8219,"sentiment":"neutral","sentiment_score":0.2847418785095215},{"text":"Thanks I'm always for big your time, Veronica. thank you. Bye. Cheers. Bye.","start_word":8220,"end_word":8232,"sentiment":"positive","sentiment_score":0.6484298706054688}],"average":{"sentiment":"neutral","sentiment_score":0.10613633985358234}}}}