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No. That's okay. What I'll do is I'll give you the abbreviated outline of essentially what the recommendations are. And then if you've had a bit of a look through it, you can ask me questions, and we can kind of talk it through. Does that sound okay? Yeah. Beautiful. Oh, literally, Ernie, I can make this about five or ten minutes or shorter if you need me to. No. All good, Brenda. Look. Before I jump into the call and go through, I do have to let you know we do record our calls for quality and training purposes. Are you happy with that and happy for me to proceed with that? Beautiful. And I just have to do security as with you as well with you just for you to confirm your full name, your date of birth, and address that I should have on file. Fantastic. Fantastic. Thank you so much. So the abbreviated version, Brenda, to make it easy for you is, essentially, we are just going to retain Hub 24. We're going to transfer the 150,000 of life and TPD from Australian Super into Hub 24. So you keep that cover, but we pay for that at Hub 24. That allows us to then consolidate and transfer all the money from Plum Super and Australian Super into Hub 24. We'll make sure your contributions go in the hub twenty four. You have an investment switch in there, and that still leaves you with the with your insurance line policy exactly as it is with no changes. Okay? And then the other thing that you talked about wanting to do was trying to get some income protection and some trauma insurance. So we're going to apply for hang on. Sorry. My computer's just frozen on me. I have to scroll down the page. I do apologize. Yes. Yes. Yes. Yes. So that was we're looking at the do you remember what page that was on? That's okay. You're absolutely fine. You're absolutely fine. So, essentially, with the the reason we're retaining the life and TPD within Australian Super and just transferring that to hub twenty four is that so you keep that same level of cover because you do also have the additional life policy with insurance line. We are retaining insurance line because you didn't wanna look at altering that in any way, shape, or form. You weren't ready to look at other options. You just wanted to keep that policy as is. So it might just be more keeping that policy exactly as it is. With the policy that we're applying for is income protection and trauma. So, essentially, income protection and we're gonna apply for that through sorry. I've got the page here to tell me. It's a big document. I do apologize, Brenda. Oh, good. Good. Yeah. That's okay. You're absolutely fine. So, essentially, what we're gonna look at doing with Neos so Neos is the insurance company to apply for income protection for. That's essentially giving you up to 70% of your current income in the event that something was to happen. Now your income that we had noted when we kinda went through the research with you, just to confirm, is about 110,000. Is that still correct? Yep. Fantastic. So, essentially, to make sure you're covered for that, because one of the things we talked about was that you don't have a partner. You've got some kids, but you still in the event that something happens if you're off work, you need to be able to cover your, you know, your rent and all your expenses and things like that. So we're gonna apply for with Neos Insurance Company, a monthly benefit of 6,416 that covers up to 70% of your monthly income. We have a waiting period of thirty days. That essentially means that you have to be off work for thirty days prior to making a claim, and then you can be on a claim for two years. So the benefit period of two years means that if you're on an income protection claim, you can be on it for two years. If at the end of that two year period, you still can't go back to work, your injury continues, it means the claim stops. But this kind of benefit and waiting period makes the policy a bit cheaper. If you wanted to extend the waiting period and, say, have a five year benefit period or up to age 65, it's gonna cost you more. And because these insurance premiums come out of your super, it does essentially mean that you've, you know, you're paying more out of your super, which can, you know, reduce how much you have at the end in your at your retirement years. Does that make sense? Yeah. Absolutely. And the important thing, like, having well, we definitely don't want that for you. But, essentially, having the income protection means that you've got that benefit to cover you in the event that something happens if you're unable to go to work. Because you and I sort of talked about if you were off work due to illness or injury, like, you broke your back and couldn't go into work, how would you pay your bills? So this kind of this income protection gives you that level of cover. We will review that every year because the expected premium for this cover is 2,120 and 91¢ from your super fund, So for the first year, so it isn't cheap insurance cover. And we it does get more expensive the older you get because the older you get, the more likely you are to claim on the insurances. So, essentially, we do wanna review that every year. If your income decreases, we'll try to decrease the cover to make it cheaper. If your income increases, we'll see what else we can do to, you know, not have to keep increasing it and costing more, but we just wanna review that every year with you to make sure that cover remains in line with what you need, but that you're not eating away all your super. Because you are working hard. You want your super. You wanna have something at retirement, so it's completely understandable. Okay. Beautiful. Now does that make sense? Do you have any questions so far? No? Excellent. Yes. Yeah. Yes. Absolutely. Yeah. Completely understand. No. Definitely. So that's essentially where that is. And, yeah, that's I've just gone back through to have a look, and, yeah, it the section you put up before is about the retaining of the insurance line. You didn't wanna review that. You wanted to keep it as of the moment because it's important. You've got your life covered there. You've also got the funeral benefit for yourself and also your kids. You're adding that protection there to make sure that if anything happens, you can cover the cost of the funeral for them. When we did sort of talk about we'll look at that down the track when you are able to, when you're more comfortable with it, and see if we can maybe decrease the amount or see what you need to be covered or look at what we can do. Yeah. A bit difficult. Absolutely. Yeah. Yeah. Do you divide do you work out do you take your monthly income that you receive in your bank account and maybe divide that by four and then transfer a little bit of money into a savings account and transfer what you need back each week? Have you tried doing that? Sorry. Because you yeah. Mhmm. Yep. A bit difficult. Yeah. Yeah. Because realistically, essentially, because you are only getting paid once a month, it is realistically easier to lose that money quickly or to spend that money quickly. So if you are just having everything paid on a monthly basis, you've got that money sitting there that covers all of your debts, and that's absolutely fine. With the rest of the money left over in that separate account, look at the amount that you have for that month and divide that by four, and that will give you a limit of how yeah. So four weeks in a month, essentially. And that will give you how much you have left over per week and try to keep yourself within that budget range. Does that make sense? The and, look, this is not easy. Yeah. Yep. Yep. And, look, it's not easy, but these are little things that become habits. So starting off small, and if you sort of build these habits, so if you say, right. This month, I'll start doing this. I'm gonna put all my bill money in this account for all the bills to come out this month. That's how much is there. What's left over in this account divided by four so you know how much you're able to spend per week, and then you can kind of break down what you need to spend, how much you need for the food, how much you need, what you have left over. Can I get my haircut this week? No. I'll do it next week. And just kind of break things down to a weekly amount and try to sort of not so much do it all in one day, but sort of schedule it out. It's hard to start with, but the more you do it, the more it becomes a habit, and that's how budgeting becomes easier for you. Does that make sense? Yeah. Yeah. Yeah. Yeah. And it's just just about just about breaking down those habits. And you're doing the right thing by separating your bill money from the rest of it. That way, you've got all your bills covered. That's not a worry. But then sort of working out what you have left over and trying to break it down and live within what you have per week. And that's the hard part. It's by no means easy. It does take time to kind of train your brain because you see a nice lump sum of money, and then you go, cool. I wanna do this. I can do that. I have this money here, but then you get to next week and get, oh, I probably should have kept that for this week. So just sort of breaking it down, looking at it as a weekly amount, and making sure that you allocate enough per per week to whatever you have, food or, you know, if you wanna go buy a bottle of wine at the end of the week or if you wanna go out and have a night at you, just kinda allocate a little bit of money from that weekly allowance. And the more you do it, the easier it becomes, but it is hard to begin with. I will be a 100% honest with you. Okay? Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. And that's the next thing I wanted to sort of talk to you about was we talked about trauma. Do you remember us talking about the other type of insurance cover trauma and how that's an out of pocket expense and what that covers. Yes. So this is the part and, look, you don't have to take the trauma recommendation, but I sort of said I'd show you what this looks like and how much is expected to cost, and then you can decide whether your budget allows that or whether you're not wanting trauma right now, and we get it down the track. Okay? But the trauma recommendation in here is for a 110,000. It's essentially based on one year's worth of income for you. We've linked it to a bit of life, and that is because linking the trauma to the same amount of life cover actually makes the policy cheaper. They give you what's called a multi policy discount. So it actually makes the policy cheaper. It means that if you were diagnosed with, say, a major medical condition, you could claim the 110,000 of trauma cover, give you one year's worth of income to support you and go through rehabilitation, things like that. However, the monthly premium is about a $147.86. So it does come down to whether you can afford that premium on a year on a monthly basis. Unfortunately, given your age, insurances are a lot more expensive, and a $147 is a lot on a monthly basis to pay for the the premium for an out of pocket insurance cover. Okay? Note that the trauma has to come out of your pocket directly. Yes. So with the income protection, that is a super policy, the same as with your life and TBD. The $1.50 amount, that can all come out of your super. But trauma, they can't take out of super. They used to, but they don't allow that anymore because, unfortunately, it doesn't meet a condition of release. So that $1.47 would have to come out of your back pocket, and, understandably, with everything else you've got to pay, it could add a little bit more stress to you. But I wanted to just show you the cost of this and the recommendation and let you decide whether you wanted to take that on or whether you were just happy to leave that for the time being. Okay? That's absolutely fine. It's not a problem at all. Yeah. Yeah. That's absolutely fine. But, honestly, look with the rest of the recommendations there with the retaining hub twenty four, we do an investment switch in there, put you in a portfolio that's performing better than the current one. We roll everything from Australian super and plum super over to hub twenty four. So instead of three super funds, you only have one. The income protection we apply for is paid for out of your hub twenty four super and the one fifty of life and TPD that you currently have in Australian super will also be paid out of hub twenty four, so we can transfer that over to make it easier on you. The only thing I noted was in your preassessments that you do have essentially it doesn't look like the income protection is expecting any kind of loadings or exclusions. However, with your preassessments that you had sort of noticed or noted that there had been a bit of an issue with some, you know, pap smears and things in the past. So on any kind of insurances, they will request doctor's reports to assess for, like, a cervical cancer exclusion. It's not expected on the income protection based on our pre assessments, but they will go through health checks with you. So we do have to go through an application form to apply for the income protection. My colleague, Jeff, does that with you, or if you prefer to go do it with one of the girls, absolutely fine. I can get Samantha to do it with you. You just go to the application. It goes to the underwriters. They will may request doctor's reports and things like that just to assess your health to make sure the terms are okay to, you know, to put in place for you. And if anything comes out medical wise, there could be excluded exclusions or loadings on the policy, but we just have to wait and see what comes out in the application. Does that make sense? Do you have questions? Nope. That's all understandable. I wanted to make it as easy as possible for you, but at the same time, there is a lot to kinda go through. It's, you know, a little bit of a complex advice piece. So I wanted to make sure you understood all that. But it is really important that we try to get things moving and in place for you because you've got the three funds. You've definitely got a, you know, a a an investment that, well, has been doing very well, could definitely be doing better for you. And, realistically, the newer investment portfolio that we wanna put you into is actually cheaper, so it saves you in fees. Sorry, Brenda. Yeah. Yes. Okay. Okay. No worries. So we did have about 22,000 in there now, so it'll just be about 6,000 less. Yep. That's okay. We have an authority on that one. Oh, absolutely. That's okay. That's not a problem at all. We have an authority on file for Australian Super. So we'll wait for that money to come out, and then we'll sort of do the rollovers and things like that if you decide to take on the advice. If you are happy to take the advice, please, and you're welcome to run your eyes back over it again and let me know if there's any additional questions that come out of it. But we've got the electronic version that we sent to you. We just get you to sign and return that back. If you like what I if you're comfortable, you don't wanna take the trauma recommendation. I'm happy if you want me to just to make a note on the system here that you're happy with the advice that you don't wanna take on the trauma recommendation. Is that accurate? Yep. Yeah. That's fine. Yep. That's fine. Yeah. No. So trauma trauma doesn't really cover those sorts of things. Trauma covers you for a major diagnosis, so things like cancer, things like Parkinson's disease. It's a major diagnosis. So things like mental health, back problems, that's all covered under income protection. And you can claim depending on the extent of mental health so long as there's no exclusions and things like that. You can also claim TPD for mental health as well. So if you're unable to ever go back to work again, your mental health is that bad, you've suffered very terribly, your doctor's home, we can't, you know, get you back to work in any capacity, then PPD has also been claimed for there. But trauma is only a major diagnosis. Cancer is the biggest one. I've seen people claim for Parkinson's, other neurological disorders, heart attacks, and strokes. So that's what trauma tends to cover you for. Okay? Yeah. Yep. A lot of bills. No. That's absolutely fine. Yeah. And, look, honestly, that's absolutely fine, and that's why I thought you'd kinda go with that one, but we would like to look when we sorta had that conversation back earlier this year, we said, let's just put on paper so you can see what it looks like, and then you get to decide how you feel about that. Now I know with the cash flow and budgeting side of things, we did kind of do a really big advice case, and it was a little bit complex for you. Are you wanting me to maybe just give you some guidance on a regular basis with regard to how your bills are going and just sort of talk you through it? Yep. Yeah. That's okay. Yep. Yep. Yep. Yep. No. It's okay. Well, I can just give you guidance if you like that way. It's not a really big advice piece. It's not a lot of paper like this is. It's just us having a conversation. You letting so we know how things are going, and we can maybe just talk through what the next step might be or how you could, you know, maybe do it a little bit better or, you know, what you might need to do. And we can just talk it through, and I can provide you some guidance that way every few months. Does that sound okay with you? Yep. Beautiful. All good. What I'm gonna do, Brenda, is I'm just going to update that electronic document. On the very last page, I'm gonna put a note that says that you do not wish to proceed with the trauma recommendation. That will be resent to you. Once that comes through, if you're happy to then take on the rest of the advice, I'll get you to sign and send it back to us. That way we can start to implement it for you. I'll make a note that you are taking that money out of AustralianSuper, so no one is to implement anything until that that withdrawal has come out of Australian Super. And then we can go ahead and start implementing it, rolling things over, and getting you sorted. Okay? Does that sound alright with you? Yep. Beautiful. No. Absolutely not. Yeah. That's that's absolutely fine. That's not a problem at all. And with your employer contributions, did you your new employer I'm just double checking. Did you give them which which super fund did you give them for your employer contributions? Okay. Let me have a quick look for you. Let me have a look. So, yeah, they're not coming into hub. It looks like they might be going into plumb sleeper, but that's okay. What we'll do is I will also get the team probably tomorrow to email you the contributions form. You can hand that to your employer and get them to change that on your payslip. Okay? Yep. Beautiful. Yeah. Well, I can't see because it's a new employer. I can't see you have I can only see your last employer's contributions that were were coming in. Yeah. It is. Yeah. Yeah. So I'd have to have a look in the plum, so if you could see what's going in there, but we'll just set the contributions form for you for hub twenty four. The girls will email it to you, and you can either hand it or email it to your payroll and just say, hey. Update everything. I want my contributions to go into this fund, and they'll be able to update it on their end nice and easy for you. Okay? Yeah. Beautiful. Yeah. No. That's Understandable. Yeah. Yeah. That's okay. I'll guide you. You'll have me here. You can call me or text me or email me whenever you need, and I'll make time to guide you through it. In the meantime, I'll just update this, Odoo sign for you and resend it through this afternoon so it's at the top of your email. And when you see the last page where it's got the signing box, you'll see I put a little note there saying that you don't wish to proceed with the trauma recommendation, and I'll note in there that we're holding off on any rollovers from Australian Super until your Compassionate Grounds release of 6,000 has been withdrawn just so we have that as a record so you can see that before you sign it. Okay? Beautiful. If you do have any more questions, let me know. But look, I'm glad we're moving things along for you. I'll be here to help you. I promise. I've got you, Brenda. My You are. Oh, I'll I will help you. I promise. But, look, we'll get this started. You have a good afternoon, and let me know if there's any questions. And yeah. Okay. Sign that document when it comes back through for me. My pleasure. You have a good afternoon. Thanks. 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Brenda. It's Dana from Okie Financial. How are you this afternoon? I'm very well. I had to book in just to go through that advice document with you.\n\nIs now still a good time? Yes. No. That's okay. What I'll do is I'll give you the abbreviated outline of essentially what the recommendations are.\n\nAnd then if you've had a bit of a look through it, you can ask me questions, and we can kind of talk it through. Does that sound okay? Yeah. Beautiful. Oh, literally, Ernie, I can make this about five or ten minutes or shorter if you need me to.\n\nNo. All good, Brenda. Look. Before I jump into the call and go through, I do have to let you know we do record our calls for quality and training purposes. Are you happy with that and happy for me to proceed with that?\n\nBeautiful. And I just have to do security as with you as well with you just for you to confirm your full name, your date of birth, and address that I should have on file. Fantastic. Fantastic. Thank you so much.\n\nSo the abbreviated version, Brenda, to make it easy for you is, essentially, we are just going to retain Hub 24. We're going to transfer the 150,000 of life and TPD from Australian Super into Hub 24. So you keep that cover, but we pay for that at Hub 24. That allows us to then consolidate and transfer all the money from Plum Super and Australian Super into Hub 24. We'll make sure your contributions go in the hub twenty four.\n\nYou have an investment switch in there, and that still leaves you with the with your insurance line policy exactly as it is with no changes. Okay? And then the other thing that you talked about wanting to do was trying to get some income protection and some trauma insurance. So we're going to apply for hang on. Sorry.\n\nMy computer's just frozen on me. I have to scroll down the page. I do apologize. Yes. Yes.\n\nYes. Yes. So that was we're looking at the do you remember what page that was on? That's okay. You're absolutely fine.\n\nYou're absolutely fine. So, essentially, with the the reason we're retaining the life and TPD within Australian Super and just transferring that to hub twenty four is that so you keep that same level of cover because you do also have the additional life policy with insurance line. We are retaining insurance line because you didn't wanna look at altering that in any way, shape, or form. You weren't ready to look at other options. You just wanted to keep that policy as is.\n\nSo it might just be more keeping that policy exactly as it is. With the policy that we're applying for is income protection and trauma. So, essentially, income protection and we're gonna apply for that through sorry. I've got the page here to tell me. It's a big document.\n\nI do apologize, Brenda. Oh, good. Good. Yeah. That's okay.\n\nYou're absolutely fine. So, essentially, what we're gonna look at doing with Neos so Neos is the insurance company to apply for income protection for. That's essentially giving you up to 70% of your current income in the event that something was to happen. Now your income that we had noted when we kinda went through the research with you, just to confirm, is about 110,000. Is that still correct?\n\nYep. Fantastic. So, essentially, to make sure you're covered for that, because one of the things we talked about was that you don't have a partner. You've got some kids, but you still in the event that something happens if you're off work, you need to be able to cover your, you know, your rent and all your expenses and things like that. So we're gonna apply for with Neos Insurance Company, a monthly benefit of 6,416 that covers up to 70% of your monthly income.\n\nWe have a waiting period of thirty days. That essentially means that you have to be off work for thirty days prior to making a claim, and then you can be on a claim for two years. So the benefit period of two years means that if you're on an income protection claim, you can be on it for two years. If at the end of that two year period, you still can't go back to work, your injury continues, it means the claim stops. But this kind of benefit and waiting period makes the policy a bit cheaper.\n\nIf you wanted to extend the waiting period and, say, have a five year benefit period or up to age 65, it's gonna cost you more. And because these insurance premiums come out of your super, it does essentially mean that you've, you know, you're paying more out of your super, which can, you know, reduce how much you have at the end in your at your retirement years. Does that make sense? Yeah. Absolutely.\n\nAnd the important thing, like, having well, we definitely don't want that for you. But, essentially, having the income protection means that you've got that benefit to cover you in the event that something happens if you're unable to go to work. Because you and I sort of talked about if you were off work due to illness or injury, like, you broke your back and couldn't go into work, how would you pay your bills? So this kind of this income protection gives you that level of cover. We will review that every year because the expected premium for this cover is 2,120 and 91¢ from your super fund, So for the first year, so it isn't cheap insurance cover.\n\nAnd we it does get more expensive the older you get because the older you get, the more likely you are to claim on the insurances. So, essentially, we do wanna review that every year. If your income decreases, we'll try to decrease the cover to make it cheaper. If your income increases, we'll see what else we can do to, you know, not have to keep increasing it and costing more, but we just wanna review that every year with you to make sure that cover remains in line with what you need, but that you're not eating away all your super. Because you are working hard.\n\nYou want your super. You wanna have something at retirement, so it's completely understandable. Okay. Beautiful. Now does that make sense?\n\nDo you have any questions so far? No? Excellent. Yes. Yeah.\n\nYes. Absolutely. Yeah. Completely understand. No.\n\nDefinitely. So that's essentially where that is. And, yeah, that's I've just gone back through to have a look, and, yeah, it the section you put up before is about the retaining of the insurance line. You didn't wanna review that. You wanted to keep it as of the moment because it's important.\n\nYou've got your life covered there. You've also got the funeral benefit for yourself and also your kids. You're adding that protection there to make sure that if anything happens, you can cover the cost of the funeral for them. When we did sort of talk about we'll look at that down the track when you are able to, when you're more comfortable with it, and see if we can maybe decrease the amount or see what you need to be covered or look at what we can do. Yeah.\n\nA bit difficult. Absolutely. Yeah. Yeah. Do you divide do you work out do you take your monthly income that you receive in your bank account and maybe divide that by four and then transfer a little bit of money into a savings account and transfer what you need back each week?\n\nHave you tried doing that? Sorry. Because you yeah. Mhmm. Yep.\n\nA bit difficult. Yeah. Yeah. Because realistically, essentially, because you are only getting paid once a month, it is realistically easier to lose that money quickly or to spend that money quickly. So if you are just having everything paid on a monthly basis, you've got that money sitting there that covers all of your debts, and that's absolutely fine.\n\nWith the rest of the money left over in that separate account, look at the amount that you have for that month and divide that by four, and that will give you a limit of how yeah. So four weeks in a month, essentially. And that will give you how much you have left over per week and try to keep yourself within that budget range. Does that make sense? The and, look, this is not easy.\n\nYeah. Yep. Yep. And, look, it's not easy, but these are little things that become habits. So starting off small, and if you sort of build these habits, so if you say, right.\n\nThis month, I'll start doing this. I'm gonna put all my bill money in this account for all the bills to come out this month. That's how much is there. What's left over in this account divided by four so you know how much you're able to spend per week, and then you can kind of break down what you need to spend, how much you need for the food, how much you need, what you have left over. Can I get my haircut this week?\n\nNo. I'll do it next week. And just kind of break things down to a weekly amount and try to sort of not so much do it all in one day, but sort of schedule it out. It's hard to start with, but the more you do it, the more it becomes a habit, and that's how budgeting becomes easier for you. Does that make sense?\n\nYeah. Yeah. Yeah. Yeah. And it's just just about just about breaking down those habits.\n\nAnd you're doing the right thing by separating your bill money from the rest of it. That way, you've got all your bills covered. That's not a worry. But then sort of working out what you have left over and trying to break it down and live within what you have per week. And that's the hard part.\n\nIt's by no means easy. It does take time to kind of train your brain because you see a nice lump sum of money, and then you go, cool. I wanna do this. I can do that. I have this money here, but then you get to next week and get, oh, I probably should have kept that for this week.\n\nSo just sort of breaking it down, looking at it as a weekly amount, and making sure that you allocate enough per per week to whatever you have, food or, you know, if you wanna go buy a bottle of wine at the end of the week or if you wanna go out and have a night at you, just kinda allocate a little bit of money from that weekly allowance. And the more you do it, the easier it becomes, but it is hard to begin with. I will be a 100% honest with you. Okay? Yeah.\n\nYeah. Yeah. Yeah. Yeah. Absolutely.\n\nAnd that's the next thing I wanted to sort of talk to you about was we talked about trauma. Do you remember us talking about the other type of insurance cover trauma and how that's an out of pocket expense and what that covers. Yes. So this is the part and, look, you don't have to take the trauma recommendation, but I sort of said I'd show you what this looks like and how much is expected to cost, and then you can decide whether your budget allows that or whether you're not wanting trauma right now, and we get it down the track. Okay?\n\nBut the trauma recommendation in here is for a 110,000. It's essentially based on one year's worth of income for you. We've linked it to a bit of life, and that is because linking the trauma to the same amount of life cover actually makes the policy cheaper. They give you what's called a multi policy discount. So it actually makes the policy cheaper.\n\nIt means that if you were diagnosed with, say, a major medical condition, you could claim the 110,000 of trauma cover, give you one year's worth of income to support you and go through rehabilitation, things like that. However, the monthly premium is about a $147.86. So it does come down to whether you can afford that premium on a year on a monthly basis. Unfortunately, given your age, insurances are a lot more expensive, and a $147 is a lot on a monthly basis to pay for the the premium for an out of pocket insurance cover. Okay?\n\nNote that the trauma has to come out of your pocket directly. Yes. So with the income protection, that is a super policy, the same as with your life and TBD. The $1.50 amount, that can all come out of your super. But trauma, they can't take out of super.\n\nThey used to, but they don't allow that anymore because, unfortunately, it doesn't meet a condition of release. So that $1.47 would have to come out of your back pocket, and, understandably, with everything else you've got to pay, it could add a little bit more stress to you. But I wanted to just show you the cost of this and the recommendation and let you decide whether you wanted to take that on or whether you were just happy to leave that for the time being. Okay? That's absolutely fine.\n\nIt's not a problem at all. Yeah. Yeah. That's absolutely fine. But, honestly, look with the rest of the recommendations there with the retaining hub twenty four, we do an investment switch in there, put you in a portfolio that's performing better than the current one.\n\nWe roll everything from Australian super and plum super over to hub twenty four. So instead of three super funds, you only have one. The income protection we apply for is paid for out of your hub twenty four super and the one fifty of life and TPD that you currently have in Australian super will also be paid out of hub twenty four, so we can transfer that over to make it easier on you. The only thing I noted was in your preassessments that you do have essentially it doesn't look like the income protection is expecting any kind of loadings or exclusions. However, with your preassessments that you had sort of noticed or noted that there had been a bit of an issue with some, you know, pap smears and things in the past.\n\nSo on any kind of insurances, they will request doctor's reports to assess for, like, a cervical cancer exclusion. It's not expected on the income protection based on our pre assessments, but they will go through health checks with you. So we do have to go through an application form to apply for the income protection. My colleague, Jeff, does that with you, or if you prefer to go do it with one of the girls, absolutely fine. I can get Samantha to do it with you.\n\nYou just go to the application. It goes to the underwriters. They will may request doctor's reports and things like that just to assess your health to make sure the terms are okay to, you know, to put in place for you. And if anything comes out medical wise, there could be excluded exclusions or loadings on the policy, but we just have to wait and see what comes out in the application. Does that make sense?\n\nDo you have questions? Nope. That's all understandable. I wanted to make it as easy as possible for you, but at the same time, there is a lot to kinda go through. It's, you know, a little bit of a complex advice piece.\n\nSo I wanted to make sure you understood all that. But it is really important that we try to get things moving and in place for you because you've got the three funds. You've definitely got a, you know, a a an investment that, well, has been doing very well, could definitely be doing better for you. And, realistically, the newer investment portfolio that we wanna put you into is actually cheaper, so it saves you in fees. Sorry, Brenda.\n\nYeah. Yes. Okay. Okay. No worries.\n\nSo we did have about 22,000 in there now, so it'll just be about 6,000 less. Yep. That's okay. We have an authority on that one. Oh, absolutely.\n\nThat's okay. That's not a problem at all. We have an authority on file for Australian Super. So we'll wait for that money to come out, and then we'll sort of do the rollovers and things like that if you decide to take on the advice. If you are happy to take the advice, please, and you're welcome to run your eyes back over it again and let me know if there's any additional questions that come out of it.\n\nBut we've got the electronic version that we sent to you. We just get you to sign and return that back. If you like what I if you're comfortable, you don't wanna take the trauma recommendation. I'm happy if you want me to just to make a note on the system here that you're happy with the advice that you don't wanna take on the trauma recommendation. Is that accurate?\n\nYep. Yeah. That's fine. Yep. That's fine.\n\nYeah. No. So trauma trauma doesn't really cover those sorts of things. Trauma covers you for a major diagnosis, so things like cancer, things like Parkinson's disease. It's a major diagnosis.\n\nSo things like mental health, back problems, that's all covered under income protection. And you can claim depending on the extent of mental health so long as there's no exclusions and things like that. You can also claim TPD for mental health as well. So if you're unable to ever go back to work again, your mental health is that bad, you've suffered very terribly, your doctor's home, we can't, you know, get you back to work in any capacity, then PPD has also been claimed for there. But trauma is only a major diagnosis.\n\nCancer is the biggest one. I've seen people claim for Parkinson's, other neurological disorders, heart attacks, and strokes. So that's what trauma tends to cover you for. Okay? Yeah.\n\nYep. A lot of bills. No. That's absolutely fine. Yeah.\n\nAnd, look, honestly, that's absolutely fine, and that's why I thought you'd kinda go with that one, but we would like to look when we sorta had that conversation back earlier this year, we said, let's just put on paper so you can see what it looks like, and then you get to decide how you feel about that. Now I know with the cash flow and budgeting side of things, we did kind of do a really big advice case, and it was a little bit complex for you. Are you wanting me to maybe just give you some guidance on a regular basis with regard to how your bills are going and just sort of talk you through it? Yep. Yeah.\n\nThat's okay. Yep. Yep. Yep. Yep.\n\nNo. It's okay. Well, I can just give you guidance if you like that way. It's not a really big advice piece. It's not a lot of paper like this is.\n\nIt's just us having a conversation. You letting so we know how things are going, and we can maybe just talk through what the next step might be or how you could, you know, maybe do it a little bit better or, you know, what you might need to do. And we can just talk it through, and I can provide you some guidance that way every few months. Does that sound okay with you? Yep.\n\nBeautiful. All good. What I'm gonna do, Brenda, is I'm just going to update that electronic document. On the very last page, I'm gonna put a note that says that you do not wish to proceed with the trauma recommendation. That will be resent to you.\n\nOnce that comes through, if you're happy to then take on the rest of the advice, I'll get you to sign and send it back to us. That way we can start to implement it for you. I'll make a note that you are taking that money out of AustralianSuper, so no one is to implement anything until that that withdrawal has come out of Australian Super. And then we can go ahead and start implementing it, rolling things over, and getting you sorted. Okay?\n\nDoes that sound alright with you? Yep. Beautiful. No. Absolutely not.\n\nYeah. That's that's absolutely fine. That's not a problem at all. And with your employer contributions, did you your new employer I'm just double checking. Did you give them which which super fund did you give them for your employer contributions?\n\nOkay. Let me have a quick look for you. Let me have a look. So, yeah, they're not coming into hub. It looks like they might be going into plumb sleeper, but that's okay.\n\nWhat we'll do is I will also get the team probably tomorrow to email you the contributions form. You can hand that to your employer and get them to change that on your payslip. Okay? Yep. Beautiful.\n\nYeah. Well, I can't see because it's a new employer. I can't see you have I can only see your last employer's contributions that were were coming in. Yeah. It is.\n\nYeah. Yeah. So I'd have to have a look in the plum, so if you could see what's going in there, but we'll just set the contributions form for you for hub twenty four. The girls will email it to you, and you can either hand it or email it to your payroll and just say, hey. Update everything.\n\nI want my contributions to go into this fund, and they'll be able to update it on their end nice and easy for you. Okay? Yeah. Beautiful. Yeah.\n\nNo. That's Understandable. Yeah. Yeah. That's okay.\n\nI'll guide you. You'll have me here. You can call me or text me or email me whenever you need, and I'll make time to guide you through it. In the meantime, I'll just update this, Odoo sign for you and resend it through this afternoon so it's at the top of your email. And when you see the last page where it's got the signing box, you'll see I put a little note there saying that you don't wish to proceed with the trauma recommendation, and I'll note in there that we're holding off on any rollovers from Australian Super until your Compassionate Grounds release of 6,000 has been withdrawn just so we have that as a record so you can see that before you sign it.\n\nOkay? Beautiful. If you do have any more questions, let me know. But look, I'm glad we're moving things along for you. I'll be here to help you.\n\nI promise. I've got you, Brenda. My You are. Oh, I'll I will help you. I promise.\n\nBut, look, we'll get this started. You have a good afternoon, and let me know if there's any questions. And yeah. Okay. Sign that document when it comes back through for me.\n\nMy pleasure. You have a good afternoon. Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Brenda.","start":6.8799996,"end":7.52,"sentiment":"neutral","sentiment_score":0.19338257610797882},{"text":"It's Dana from Okie Financial.","start":7.52,"end":9.22,"sentiment":"neutral","sentiment_score":0.24264013767242432},{"text":"How are you this afternoon?","start":9.36,"end":10.58,"sentiment":"positive","sentiment_score":0.3699264287948608},{"text":"I'm very well.","start":12.815001,"end":13.775001,"sentiment":"positive","sentiment_score":0.699414849281311},{"text":"I had to book in just to go through that advice document with you.","start":13.775001,"end":16.815,"sentiment":"neutral","sentiment_score":0.3256046622991562}],"sentiment":"positive","sentiment_score":0.3484933725718794,"num_words":29,"start":6.8799996,"end":16.815},{"sentences":[{"text":"Is now still a good time?","start":16.815,"end":18.095001,"sentiment":"neutral","sentiment_score":0.28326010207335156},{"text":"Yes.","start":18.095001,"end":18.595001,"sentiment":"neutral","sentiment_score":0.17746490240097046},{"text":"No.","start":32.0,"end":32.239998,"sentiment":"neutral","sentiment_score":-0.1021963506937027},{"text":"That's okay.","start":32.239998,"end":32.879997,"sentiment":"neutral","sentiment_score":0.05277331918478013},{"text":"What I'll do is I'll give you the abbreviated outline of essentially what the recommendations are.","start":32.879997,"end":37.44,"sentiment":"neutral","sentiment_score":0.12166765192523599}],"sentiment":"neutral","sentiment_score":0.14719454743541205,"num_words":26,"start":16.815,"end":37.44},{"sentences":[{"text":"And then if you've had a bit of a look through it, you can ask me questions, and we can kind of talk it through.","start":37.44,"end":42.015,"sentiment":"neutral","sentiment_score":0.12988819509744645},{"text":"Does that sound okay?","start":42.015,"end":43.155,"sentiment":"neutral","sentiment_score":0.09670569002628326},{"text":"Yeah.","start":44.495,"end":44.735,"sentiment":"neutral","sentiment_score":0.09010618925094604},{"text":"Beautiful.","start":44.735,"end":45.235,"sentiment":"neutral","sentiment_score":0.23012185096740723},{"text":"Oh, literally, Ernie, I can make this about five or ten minutes or shorter if you need me to.","start":48.335,"end":53.235,"sentiment":"neutral","sentiment_score":0.03638533689081669}],"sentiment":"neutral","sentiment_score":0.0929115415737033,"num_words":50,"start":37.44,"end":53.235},{"sentences":[{"text":"No.","start":56.37,"end":56.61,"sentiment":"neutral","sentiment_score":-0.009313743561506271},{"text":"All good, Brenda.","start":56.61,"end":57.59,"sentiment":"neutral","sentiment_score":0.10048602521419525},{"text":"Look.","start":57.65,"end":57.89,"sentiment":"neutral","sentiment_score":0.08400773257017136},{"text":"Before I jump into the call and go through, I do have to let you know we do record our calls for quality and training purposes.","start":57.89,"end":62.93,"sentiment":"neutral","sentiment_score":0.0595376045944599},{"text":"Are you happy with that and happy for me to proceed with that?","start":62.93,"end":65.75,"sentiment":"neutral","sentiment_score":0.18137705096831688}],"sentiment":"neutral","sentiment_score":0.0973188965158029,"num_words":44,"start":56.37,"end":65.75},{"sentences":[{"text":"Beautiful.","start":67.104996,"end":67.604996,"sentiment":"positive","sentiment_score":0.43519049882888794},{"text":"And I just have to do security as with you as well with you just for you to confirm your full name, your date of birth, and address that I should have on file.","start":67.905,"end":74.48499,"sentiment":"neutral","sentiment_score":0.1742331771289601},{"text":"Fantastic.","start":78.384995,"end":78.884995,"sentiment":"neutral","sentiment_score":0.2928858995437622},{"text":"Fantastic.","start":81.399994,"end":81.899994,"sentiment":"positive","sentiment_score":0.6343179941177368},{"text":"Thank you so much.","start":82.119995,"end":83.079994,"sentiment":"positive","sentiment_score":0.6878669112920761}],"sentiment":"neutral","sentiment_score":0.244824147805935,"num_words":41,"start":67.104996,"end":83.079994},{"sentences":[{"text":"So the abbreviated version, Brenda, to make it easy for you is, essentially, we are just going to retain Hub 24.","start":83.079994,"end":90.46,"sentiment":"neutral","sentiment_score":0.1887019851378032},{"text":"We're going to transfer the 150,000 of life and TPD from Australian Super into Hub 24.","start":90.52,"end":97.235,"sentiment":"neutral","sentiment_score":0.1397479702718556},{"text":"So you keep that cover, but we pay for that at Hub 24.","start":97.235,"end":100.695,"sentiment":"neutral","sentiment_score":0.13492414011405066},{"text":"That allows us to then consolidate and transfer all the money from Plum Super and Australian Super into Hub 24.","start":100.835,"end":107.43,"sentiment":"neutral","sentiment_score":0.1852799691259861},{"text":"We'll make sure your contributions go in the hub twenty four.","start":107.590004,"end":110.31,"sentiment":"neutral","sentiment_score":0.1530913428657434}],"sentiment":"neutral","sentiment_score":0.16472008873789032,"num_words":81,"start":83.079994,"end":110.31},{"sentences":[{"text":"You have an investment switch in there, and that still leaves you with the with your insurance line policy exactly as it is with no changes.","start":110.31,"end":119.93,"sentiment":"neutral","sentiment_score":0.21927068210565126},{"text":"Okay?","start":120.71,"end":121.21,"sentiment":"neutral","sentiment_score":0.10247670114040376},{"text":"And then the other thing that you talked about wanting to do was trying to get some income protection and some trauma insurance.","start":121.795006,"end":128.615,"sentiment":"neutral","sentiment_score":0.08311406911715218},{"text":"So we're going to apply for hang on.","start":129.315,"end":133.075,"sentiment":"neutral","sentiment_score":0.05339426640421152},{"text":"Sorry.","start":133.075,"end":133.575,"sentiment":"neutral","sentiment_score":-0.17134720087051392}],"sentiment":"neutral","sentiment_score":0.13510076196516974,"num_words":59,"start":110.31,"end":133.575},{"sentences":[{"text":"My computer's just frozen on me.","start":135.01,"end":136.45,"sentiment":"negative","sentiment_score":-0.47541436553001404},{"text":"I have to scroll down the page.","start":136.45,"end":137.81,"sentiment":"neutral","sentiment_score":-0.20545206538268498},{"text":"I do apologize.","start":137.81,"end":138.62999,"sentiment":"neutral","sentiment_score":-0.1573510617017746},{"text":"Yes.","start":144.84999,"end":145.34999,"sentiment":"neutral","sentiment_score":0.035461872816085815},{"text":"Yes.","start":149.665,"end":150.165,"sentiment":"neutral","sentiment_score":0.107563316822052}],"sentiment":"neutral","sentiment_score":-0.2566488136847814,"num_words":18,"start":135.01,"end":150.165},{"sentences":[{"text":"Yes.","start":151.265,"end":151.765,"sentiment":"neutral","sentiment_score":0.2892693877220154},{"text":"Yes.","start":155.745,"end":156.245,"sentiment":"neutral","sentiment_score":-0.024117669090628624},{"text":"So that was we're looking at the do you remember what page that was on?","start":174.975,"end":180.99501,"sentiment":"neutral","sentiment_score":-0.043980233495434125},{"text":"That's okay.","start":183.71,"end":184.51001,"sentiment":"neutral","sentiment_score":0.014638839289546013},{"text":"You're absolutely fine.","start":184.51001,"end":186.03,"sentiment":"positive","sentiment_score":0.361328919728597}],"sentiment":"neutral","sentiment_score":0.03266875699839809,"num_words":22,"start":151.265,"end":186.03},{"sentences":[{"text":"You're absolutely fine.","start":186.03,"end":187.23001,"sentiment":"positive","sentiment_score":0.33396003643671673},{"text":"So, essentially, with the the reason we're retaining the life and TPD within Australian Super and just transferring that to hub twenty four is that so you keep that same level of cover because you do also have the additional life policy with insurance line.","start":187.23001,"end":202.025,"sentiment":"neutral","sentiment_score":0.13979733139276504},{"text":"We are retaining insurance line because you didn't wanna look at altering that in any way, shape, or form.","start":202.405,"end":207.525,"sentiment":"neutral","sentiment_score":0.09215268826014117},{"text":"You weren't ready to look at other options.","start":207.525,"end":209.44499,"sentiment":"neutral","sentiment_score":0.009780687279999256},{"text":"You just wanted to keep that policy as is.","start":209.44499,"end":211.8,"sentiment":"neutral","sentiment_score":0.1339537931813134}],"sentiment":"neutral","sentiment_score":0.12294631828332231,"num_words":84,"start":186.03,"end":211.8},{"sentences":[{"text":"So it might just be more keeping that policy exactly as it is.","start":212.04001,"end":216.46,"sentiment":"neutral","sentiment_score":0.1594186402284182},{"text":"With the policy that we're applying for is income protection and trauma.","start":217.32,"end":221.34,"sentiment":"neutral","sentiment_score":0.14692819056411585},{"text":"So, essentially, income protection and we're gonna apply for that through sorry.","start":221.56,"end":228.505,"sentiment":"neutral","sentiment_score":0.08413556901117165},{"text":"I've got the page here to tell me.","start":228.505,"end":230.52501,"sentiment":"neutral","sentiment_score":-0.01053017727099359},{"text":"It's a big document.","start":232.82501,"end":233.865,"sentiment":"neutral","sentiment_score":0.004792879801243544}],"sentiment":"neutral","sentiment_score":0.09755382732469209,"num_words":49,"start":212.04001,"end":233.865},{"sentences":[{"text":"I do apologize, Brenda.","start":233.865,"end":235.16501,"sentiment":"neutral","sentiment_score":-0.01530333049595356},{"text":"Oh, good.","start":240.36,"end":241.18001,"sentiment":"neutral","sentiment_score":0.24630391597747803},{"text":"Good.","start":241.40001,"end":241.90001,"sentiment":"positive","sentiment_score":0.4950471520423889},{"text":"Yeah.","start":244.04001,"end":244.54001,"sentiment":"neutral","sentiment_score":0.14293837547302246},{"text":"That's okay.","start":245.96,"end":246.68001,"sentiment":"positive","sentiment_score":0.33866049349308014}],"sentiment":"neutral","sentiment_score":0.17467010244727135,"num_words":10,"start":233.865,"end":246.68001},{"sentences":[{"text":"You're absolutely fine.","start":246.68001,"end":248.22,"sentiment":"positive","sentiment_score":0.3814644416173299},{"text":"So, essentially, what we're gonna look at doing with Neos so Neos is the insurance company to apply for income protection for.","start":248.68001,"end":254.055,"sentiment":"neutral","sentiment_score":0.1071325611661781},{"text":"That's essentially giving you up to 70% of your current income in the event that something was to happen.","start":255.09499,"end":260.715,"sentiment":"neutral","sentiment_score":0.13794706016778946},{"text":"Now your income that we had noted when we kinda went through the research with you, just to confirm, is about 110,000.","start":260.935,"end":267.895,"sentiment":"neutral","sentiment_score":0.0999359857629646},{"text":"Is that still correct?","start":267.895,"end":269.035,"sentiment":"neutral","sentiment_score":0.08687361422926188}],"sentiment":"neutral","sentiment_score":0.12383414224854537,"num_words":70,"start":246.68001,"end":269.035},{"sentences":[{"text":"Yep.","start":270.48,"end":270.96,"sentiment":"neutral","sentiment_score":0.3111889362335205},{"text":"Fantastic.","start":270.96,"end":271.46,"sentiment":"positive","sentiment_score":0.5898056030273438},{"text":"So, essentially, to make sure you're covered for that, because one of the things we talked about was that you don't have a partner.","start":272.24,"end":277.6,"sentiment":"neutral","sentiment_score":0.14514101964111129},{"text":"You've got some kids, but you still in the event that something happens if you're off work, you need to be able to cover your, you know, your rent and all your expenses and things like that.","start":277.6,"end":287.665,"sentiment":"neutral","sentiment_score":0.07675399158049274},{"text":"So we're gonna apply for with Neos Insurance Company, a monthly benefit of 6,416 that covers up to 70% of your monthly income.","start":287.665,"end":297.445,"sentiment":"neutral","sentiment_score":0.12639613805905633}],"sentiment":"neutral","sentiment_score":0.11780683574981468,"num_words":86,"start":270.48,"end":297.445},{"sentences":[{"text":"We have a waiting period of thirty days.","start":298.12,"end":301.26,"sentiment":"neutral","sentiment_score":-0.03028243174776435},{"text":"That essentially means that you have to be off work for thirty days prior to making a claim, and then you can be on a claim for two years.","start":301.64,"end":308.92,"sentiment":"neutral","sentiment_score":-0.003427663175710316},{"text":"So the benefit period of two years means that if you're on an income protection claim, you can be on it for two years.","start":308.92,"end":315.13498,"sentiment":"neutral","sentiment_score":0.05265699862502515},{"text":"If at the end of that two year period, you still can't go back to work, your injury continues, it means the claim stops.","start":315.435,"end":322.095,"sentiment":"neutral","sentiment_score":-0.0023821647046133876},{"text":"But this kind of benefit and waiting period makes the policy a bit cheaper.","start":322.395,"end":326.555,"sentiment":"neutral","sentiment_score":0.056324323639273643}],"sentiment":"neutral","sentiment_score":0.01670176625214141,"num_words":99,"start":298.12,"end":326.555},{"sentences":[{"text":"If you wanted to extend the waiting period and, say, have a five year benefit period or up to age 65, it's gonna cost you more.","start":326.555,"end":334.07,"sentiment":"neutral","sentiment_score":-0.08238713471935345},{"text":"And because these insurance premiums come out of your super, it does essentially mean that you've, you know, you're paying more out of your super, which can, you know, reduce how much you have at the end in your at your retirement years.","start":334.37,"end":346.885,"sentiment":"neutral","sentiment_score":-0.0428182119720204},{"text":"Does that make sense?","start":346.885,"end":347.865,"sentiment":"neutral","sentiment_score":0.01160571863874793},{"text":"Yeah.","start":356.005,"end":356.505,"sentiment":"neutral","sentiment_score":-0.03635735809803009},{"text":"Absolutely.","start":360.74002,"end":361.24002,"sentiment":"neutral","sentiment_score":0.04318215698003769}],"sentiment":"neutral","sentiment_score":-0.052400012587507566,"num_words":75,"start":326.555,"end":361.24002},{"sentences":[{"text":"And the important thing, like, having well, we definitely don't want that for you.","start":361.46002,"end":365.88,"sentiment":"neutral","sentiment_score":-0.043238903528877666},{"text":"But, essentially, having the income protection means that you've got that benefit to cover you in the event that something happens if you're unable to go to work.","start":366.26,"end":373.85498,"sentiment":"neutral","sentiment_score":0.0683616197867585},{"text":"Because you and I sort of talked about if you were off work due to illness or injury, like, you broke your back and couldn't go into work, how would you pay your bills?","start":373.85498,"end":381.315,"sentiment":"neutral","sentiment_score":-0.0647122287465369},{"text":"So this kind of this income protection gives you that level of cover.","start":381.615,"end":385.22,"sentiment":"neutral","sentiment_score":0.09263303990547474},{"text":"We will review that every year because the expected premium for this cover is 2,120 and 91¢ from your super fund, So for the first year, so it isn't cheap insurance cover.","start":385.84,"end":399.345,"sentiment":"neutral","sentiment_score":-0.011178431011015368}],"sentiment":"neutral","sentiment_score":-0.0002811409610634049,"num_words":121,"start":361.46002,"end":399.345},{"sentences":[{"text":"And we it does get more expensive the older you get because the older you get, the more likely you are to claim on the insurances.","start":399.345,"end":405.845,"sentiment":"neutral","sentiment_score":-0.238140270113945},{"text":"So, essentially, we do wanna review that every year.","start":407.105,"end":410.29,"sentiment":"neutral","sentiment_score":0.03265528277390533},{"text":"If your income decreases, we'll try to decrease the cover to make it cheaper.","start":410.29,"end":414.39,"sentiment":"neutral","sentiment_score":-0.0758629207100187},{"text":"If your income increases, we'll see what else we can do to, you know, not have to keep increasing it and costing more, but we just wanna review that every year with you to make sure that cover remains in line with what you need, but that you're not eating away all your super.","start":415.49,"end":429.095,"sentiment":"neutral","sentiment_score":0.020524685374564595},{"text":"Because you are working hard.","start":429.095,"end":430.29498,"sentiment":"neutral","sentiment_score":-0.023251120001077652}],"sentiment":"neutral","sentiment_score":-0.055256971830709115,"num_words":108,"start":399.345,"end":430.29498},{"sentences":[{"text":"You want your super.","start":430.29498,"end":431.095,"sentiment":"neutral","sentiment_score":0.26201074197888374},{"text":"You wanna have something at retirement, so it's completely understandable.","start":431.095,"end":434.07498,"sentiment":"positive","sentiment_score":0.33883621692657473},{"text":"Okay.","start":434.81998,"end":435.31998,"sentiment":"neutral","sentiment_score":0.1985037922859192},{"text":"Beautiful.","start":436.97998,"end":437.47998,"sentiment":"positive","sentiment_score":0.47054368257522583},{"text":"Now does that make sense?","start":437.53998,"end":438.81998,"sentiment":"neutral","sentiment_score":0.2643986076116562}],"sentiment":"neutral","sentiment_score":0.3060688404809861,"num_words":21,"start":430.29498,"end":438.81998},{"sentences":[{"text":"Do you have any questions so far?","start":438.81998,"end":440.68,"sentiment":"neutral","sentiment_score":0.06867111208183425},{"text":"No?","start":442.34,"end":442.84,"sentiment":"neutral","sentiment_score":-0.0948125347495079},{"text":"Excellent.","start":443.06,"end":443.56,"sentiment":"neutral","sentiment_score":0.15910664200782776},{"text":"Yes.","start":454.915,"end":455.415,"sentiment":"neutral","sentiment_score":0.03912574052810669},{"text":"Yeah.","start":468.93,"end":469.43,"sentiment":"neutral","sentiment_score":0.04404309019446373}],"sentiment":"neutral","sentiment_score":0.05710552023215727,"num_words":11,"start":438.81998,"end":469.43},{"sentences":[{"text":"Yes.","start":476.785,"end":477.285,"sentiment":"neutral","sentiment_score":0.03969016671180725},{"text":"Absolutely.","start":485.84003,"end":486.34003,"sentiment":"neutral","sentiment_score":0.18286143243312836},{"text":"Yeah.","start":486.48,"end":486.80002,"sentiment":"neutral","sentiment_score":0.15430715680122375},{"text":"Completely understand.","start":486.80002,"end":487.94,"sentiment":"neutral","sentiment_score":0.18324138224124908},{"text":"No.","start":488.16,"end":488.48,"sentiment":"neutral","sentiment_score":-0.09555093199014664}],"sentiment":"neutral","sentiment_score":0.10796509807308514,"num_words":6,"start":476.785,"end":488.48},{"sentences":[{"text":"Definitely.","start":488.48,"end":488.98,"sentiment":"neutral","sentiment_score":-5.289912223815918e-6},{"text":"So that's essentially where that is.","start":489.12003,"end":490.96002,"sentiment":"neutral","sentiment_score":0.018125350897510845},{"text":"And, yeah, that's I've just gone back through to have a look, and, yeah, it the section you put up before is about the retaining of the insurance line.","start":490.96002,"end":497.6,"sentiment":"neutral","sentiment_score":0.11286222986106215},{"text":"You didn't wanna review that.","start":497.6,"end":498.74503,"sentiment":"neutral","sentiment_score":0.05939375758171082},{"text":"You wanted to keep it as of the moment because it's important.","start":498.74503,"end":501.385,"sentiment":"neutral","sentiment_score":0.29862765471140545}],"sentiment":"neutral","sentiment_score":0.13702362501677476,"num_words":53,"start":488.48,"end":501.385},{"sentences":[{"text":"You've got your life covered there.","start":501.385,"end":502.665,"sentiment":"positive","sentiment_score":0.39406482378641766},{"text":"You've also got the funeral benefit for yourself and also your kids.","start":502.665,"end":506.745,"sentiment":"positive","sentiment_score":0.38496775180101395},{"text":"You're adding that protection there to make sure that if anything happens, you can cover the cost of the funeral for them.","start":506.745,"end":513.16504,"sentiment":"neutral","sentiment_score":0.2104418883946809},{"text":"When we did sort of talk about we'll look at that down the track when you are able to, when you're more comfortable with it, and see if we can maybe decrease the amount or see what you need to be covered or look at what we can do.","start":513.8,"end":525.1,"sentiment":"neutral","sentiment_score":0.012461882046594912},{"text":"Yeah.","start":525.16,"end":525.66,"sentiment":"neutral","sentiment_score":-0.01740051433444023}],"sentiment":"neutral","sentiment_score":0.13563283572180404,"num_words":90,"start":501.385,"end":525.66},{"sentences":[{"text":"A bit difficult.","start":530.235,"end":531.055,"sentiment":"negative","sentiment_score":-0.4496523290872574},{"text":"Absolutely.","start":532.39496,"end":532.89496,"sentiment":"negative","sentiment_score":-0.35959911346435547},{"text":"Yeah.","start":541.77,"end":542.27,"sentiment":"neutral","sentiment_score":-0.30535322427749634},{"text":"Yeah.","start":542.73,"end":543.23,"sentiment":"neutral","sentiment_score":-0.31082314252853394},{"text":"Do you divide do you work out do you take your monthly income that you receive in your bank account and maybe divide that by four and then transfer a little bit of money into a savings account and transfer what you need back each week?","start":543.45,"end":557.015,"sentiment":"neutral","sentiment_score":0.04393698922965838}],"sentiment":"neutral","sentiment_score":-0.005839056980151396,"num_words":52,"start":530.235,"end":557.015},{"sentences":[{"text":"Have you tried doing that?","start":557.015,"end":558.71497,"sentiment":"neutral","sentiment_score":0.002989613264799118},{"text":"Sorry.","start":561.33496,"end":561.815,"sentiment":"neutral","sentiment_score":-0.1787886619567871},{"text":"Because you yeah.","start":561.815,"end":566.17,"sentiment":"neutral","sentiment_score":-0.09161943445603053},{"text":"Mhmm.","start":572.63,"end":573.13,"sentiment":"neutral","sentiment_score":0.004197209142148495},{"text":"Yep.","start":582.965,"end":583.465,"sentiment":"neutral","sentiment_score":0.030198201537132263}],"sentiment":"neutral","sentiment_score":-0.03675486257469112,"num_words":11,"start":557.015,"end":583.465},{"sentences":[{"text":"A bit difficult.","start":587.77997,"end":588.68,"sentiment":"neutral","sentiment_score":-0.256676122546196},{"text":"Yeah.","start":588.89996,"end":589.39996,"sentiment":"neutral","sentiment_score":-0.1403224915266037},{"text":"Yeah.","start":590.18,"end":590.66,"sentiment":"neutral","sentiment_score":0.017251133918762207},{"text":"Because realistically, essentially, because you are only getting paid once a month, it is realistically easier to lose that money quickly or to spend that money quickly.","start":590.66,"end":598.81995,"sentiment":"neutral","sentiment_score":-0.07574927524008133},{"text":"So if you are just having everything paid on a monthly basis, you've got that money sitting there that covers all of your debts, and that's absolutely fine.","start":598.81995,"end":606.375,"sentiment":"neutral","sentiment_score":0.21174480393528938}],"sentiment":"neutral","sentiment_score":0.049842072557657956,"num_words":60,"start":587.77997,"end":606.375},{"sentences":[{"text":"With the rest of the money left over in that separate account, look at the amount that you have for that month and divide that by four, and that will give you a limit of how yeah.","start":606.595,"end":616.33997,"sentiment":"neutral","sentiment_score":0.10500434947174948},{"text":"So four weeks in a month, essentially.","start":616.33997,"end":618.12,"sentiment":"neutral","sentiment_score":0.08134539212499346},{"text":"And that will give you how much you have left over per week and try to keep yourself within that budget range.","start":618.42,"end":623.86,"sentiment":"neutral","sentiment_score":0.1999129199168899},{"text":"Does that make sense?","start":623.86,"end":625.0,"sentiment":"neutral","sentiment_score":0.18596671521663666},{"text":"The and, look, this is not easy.","start":629.555,"end":631.335,"sentiment":"neutral","sentiment_score":-0.11940415842192513}],"sentiment":"neutral","sentiment_score":0.11377533331706927,"num_words":77,"start":606.595,"end":631.335},{"sentences":[{"text":"Yeah.","start":632.195,"end":632.695,"sentiment":"neutral","sentiment_score":0.05746703967452049},{"text":"Yep.","start":636.915,"end":637.415,"sentiment":"neutral","sentiment_score":0.040647055953741074},{"text":"Yep.","start":639.57,"end":639.89,"sentiment":"neutral","sentiment_score":-0.018585197627544403},{"text":"And, look, it's not easy, but these are little things that become habits.","start":639.89,"end":643.25,"sentiment":"neutral","sentiment_score":-0.04933824590765513},{"text":"So starting off small, and if you sort of build these habits, so if you say, right.","start":643.25,"end":647.49,"sentiment":"neutral","sentiment_score":0.28657317775137287}],"sentiment":"neutral","sentiment_score":0.1306022946355921,"num_words":33,"start":632.195,"end":647.49},{"sentences":[{"text":"This month, I'll start doing this.","start":647.49,"end":648.93,"sentiment":"neutral","sentiment_score":0.29402169088522595},{"text":"I'm gonna put all my bill money in this account for all the bills to come out this month.","start":648.93,"end":652.69,"sentiment":"neutral","sentiment_score":0.25578088979972036},{"text":"That's how much is there.","start":652.69,"end":653.865,"sentiment":"neutral","sentiment_score":0.22523100078105926},{"text":"What's left over in this account divided by four so you know how much you're able to spend per week, and then you can kind of break down what you need to spend, how much you need for the food, how much you need, what you have left over.","start":654.105,"end":666.665,"sentiment":"neutral","sentiment_score":0.20284407783527764},{"text":"Can I get my haircut this week?","start":666.665,"end":668.345,"sentiment":"neutral","sentiment_score":0.1380963038120951}],"sentiment":"neutral","sentiment_score":0.21693204646540243,"num_words":86,"start":647.49,"end":668.345},{"sentences":[{"text":"No.","start":668.345,"end":668.665,"sentiment":"neutral","sentiment_score":0.04425211250782013},{"text":"I'll do it next week.","start":668.665,"end":669.84,"sentiment":"neutral","sentiment_score":0.12576802521944047},{"text":"And just kind of break things down to a weekly amount and try to sort of not so much do it all in one day, but sort of schedule it out.","start":670.32,"end":678.48004,"sentiment":"neutral","sentiment_score":0.20442319709447124},{"text":"It's hard to start with, but the more you do it, the more it becomes a habit, and that's how budgeting becomes easier for you.","start":678.48004,"end":686.115,"sentiment":"positive","sentiment_score":0.3441952443122864},{"text":"Does that make sense?","start":686.115,"end":687.175,"sentiment":"neutral","sentiment_score":0.19137189537286758}],"sentiment":"neutral","sentiment_score":0.24819060663382211,"num_words":66,"start":668.345,"end":687.175},{"sentences":[{"text":"Yeah.","start":688.835,"end":689.335,"sentiment":"neutral","sentiment_score":0.04365380108356476},{"text":"Yeah.","start":701.57,"end":702.07,"sentiment":"neutral","sentiment_score":-0.12976133823394775},{"text":"Yeah.","start":710.86505,"end":711.185,"sentiment":"neutral","sentiment_score":-0.18023204803466797},{"text":"Yeah.","start":711.185,"end":711.66504,"sentiment":"neutral","sentiment_score":-0.1306554228067398},{"text":"And it's just just about just about breaking down those habits.","start":711.66504,"end":715.445,"sentiment":"neutral","sentiment_score":-0.023059660060839218}],"sentiment":"neutral","sentiment_score":-0.043376751244068146,"num_words":15,"start":688.835,"end":715.445},{"sentences":[{"text":"And you're doing the right thing by separating your bill money from the rest of it.","start":715.745,"end":719.025,"sentiment":"neutral","sentiment_score":0.28882724046707153},{"text":"That way, you've got all your bills covered.","start":719.025,"end":720.705,"sentiment":"positive","sentiment_score":0.4476638697087765},{"text":"That's not a worry.","start":720.705,"end":721.765,"sentiment":"positive","sentiment_score":0.39701782166957855},{"text":"But then sort of working out what you have left over and trying to break it down and live within what you have per week.","start":722.13995,"end":728.63995,"sentiment":"neutral","sentiment_score":0.28311396300792696},{"text":"And that's the hard part.","start":729.26,"end":730.54,"sentiment":"neutral","sentiment_score":-0.195599564909935}],"sentiment":"neutral","sentiment_score":0.27397360935293397,"num_words":58,"start":715.745,"end":730.54},{"sentences":[{"text":"It's by no means easy.","start":730.54,"end":732.13995,"sentiment":"neutral","sentiment_score":-0.2864732533693314},{"text":"It does take time to kind of train your brain because you see a nice lump sum of money, and then you go, cool.","start":732.13995,"end":738.20496,"sentiment":"positive","sentiment_score":0.4547093740353982},{"text":"I wanna do this.","start":738.26495,"end":739.225,"sentiment":"positive","sentiment_score":0.7177118808031082},{"text":"I can do that.","start":739.225,"end":739.785,"sentiment":"positive","sentiment_score":0.6853822767734528},{"text":"I have this money here, but then you get to next week and get, oh, I probably should have kept that for this week.","start":739.785,"end":744.52496,"sentiment":"neutral","sentiment_score":0.2627373443295558}],"sentiment":"positive","sentiment_score":0.35079887875768007,"num_words":61,"start":730.54,"end":744.52496},{"sentences":[{"text":"So just sort of breaking it down, looking at it as a weekly amount, and making sure that you allocate enough per per week to whatever you have, food or, you know, if you wanna go buy a bottle of wine at the end of the week or if you wanna go out and have a night at you, just kinda allocate a little bit of money from that weekly allowance.","start":744.985,"end":763.06,"sentiment":"neutral","sentiment_score":0.18487203425504792},{"text":"And the more you do it, the easier it becomes, but it is hard to begin with.","start":763.625,"end":767.785,"sentiment":"neutral","sentiment_score":-0.11173176502480227},{"text":"I will be a 100% honest with you.","start":767.785,"end":770.105,"sentiment":"neutral","sentiment_score":0.09110401477664709},{"text":"Okay?","start":770.105,"end":770.605,"sentiment":"neutral","sentiment_score":0.048934027552604675},{"text":"Yeah.","start":772.185,"end":772.685,"sentiment":"neutral","sentiment_score":-0.08854781091213226}],"sentiment":"neutral","sentiment_score":0.12158870164837156,"num_words":98,"start":744.985,"end":772.685},{"sentences":[{"text":"Yeah.","start":779.08,"end":779.58,"sentiment":"neutral","sentiment_score":-0.13939201831817627},{"text":"Yeah.","start":785.24,"end":785.72003,"sentiment":"neutral","sentiment_score":-0.15140271186828613},{"text":"Yeah.","start":785.72003,"end":786.22003,"sentiment":"neutral","sentiment_score":-0.1898481249809265},{"text":"Yeah.","start":792.135,"end":792.635,"sentiment":"neutral","sentiment_score":-0.061335526406764984},{"text":"Absolutely.","start":792.695,"end":793.195,"sentiment":"neutral","sentiment_score":-0.007885359227657318}],"sentiment":"neutral","sentiment_score":-0.10997274816036225,"num_words":5,"start":779.08,"end":793.195},{"sentences":[{"text":"And that's the next thing I wanted to sort of talk to you about was we talked about trauma.","start":794.135,"end":797.815,"sentiment":"neutral","sentiment_score":-0.02683628350496292},{"text":"Do you remember us talking about the other type of insurance cover trauma and how that's an out of pocket expense and what that covers.","start":797.815,"end":804.19,"sentiment":"neutral","sentiment_score":-0.08476013891398906},{"text":"Yes.","start":805.85004,"end":806.33,"sentiment":"neutral","sentiment_score":0.0162664707750082},{"text":"So this is the part and, look, you don't have to take the trauma recommendation, but I sort of said I'd show you what this looks like and how much is expected to cost, and then you can decide whether your budget allows that or whether you're not wanting trauma right now, and we get it down the track.","start":806.33,"end":820.615,"sentiment":"neutral","sentiment_score":0.028344175352130907},{"text":"Okay?","start":820.615,"end":821.115,"sentiment":"neutral","sentiment_score":0.0820995420217514}],"sentiment":"neutral","sentiment_score":-0.008173528579728945,"num_words":105,"start":794.135,"end":821.115},{"sentences":[{"text":"But the trauma recommendation in here is for a 110,000.","start":822.535,"end":826.535,"sentiment":"neutral","sentiment_score":0.021930409595370293},{"text":"It's essentially based on one year's worth of income for you.","start":826.535,"end":830.395,"sentiment":"neutral","sentiment_score":0.020634879104115746},{"text":"We've linked it to a bit of life, and that is because linking the trauma to the same amount of life cover actually makes the policy cheaper.","start":831.18,"end":838.62,"sentiment":"neutral","sentiment_score":0.32821927357603004},{"text":"They give you what's called a multi policy 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basis.","start":862.67004,"end":867.49,"sentiment":"neutral","sentiment_score":0.04557651046075319},{"text":"Unfortunately, given your age, insurances are a lot more expensive, and a $147 is a lot on a monthly basis to pay for the the premium for an out of pocket insurance cover.","start":867.87,"end":880.285,"sentiment":"negative","sentiment_score":-0.4330272548126452},{"text":"Okay?","start":880.425,"end":880.925,"sentiment":"neutral","sentiment_score":-0.06945908069610596}],"sentiment":"neutral","sentiment_score":-0.02183769175763985,"num_words":99,"start":844.205,"end":880.925},{"sentences":[{"text":"Note that the trauma has to come out of your pocket directly.","start":884.12,"end":888.36,"sentiment":"neutral","sentiment_score":-0.0935058028747638},{"text":"Yes.","start":888.36,"end":888.6,"sentiment":"neutral","sentiment_score":0.043219998478889465},{"text":"So with the income protection, that is a super policy, the same as with your life and TBD.","start":888.6,"end":893.82,"sentiment":"neutral","sentiment_score":0.12255397997796535},{"text":"The $1.50 amount, that can all come out of your super.","start":894.44,"end":897.66003,"sentiment":"neutral","sentiment_score":0.06065153228965672},{"text":"But trauma, they can't take out of super.","start":897.935,"end":900.195,"sentiment":"neutral","sentiment_score":-0.18562310468405485}],"sentiment":"neutral","sentiment_score":0.006186080425977707,"num_words":50,"start":884.12,"end":900.195},{"sentences":[{"text":"They used to, but they don't allow that anymore because, unfortunately, it doesn't meet a condition of release.","start":900.415,"end":905.71497,"sentiment":"neutral","sentiment_score":-0.2766511415441831},{"text":"So that $1.47 would have to come out of your back pocket, and, understandably, with everything else you've got to pay, it could add a little bit more stress to you.","start":906.33496,"end":915.27,"sentiment":"neutral","sentiment_score":-0.3106277099540157},{"text":"But I wanted to just show you the cost of this and the recommendation and let you decide whether you wanted to take that on or whether you were just happy to leave that for the time being.","start":915.27,"end":925.21,"sentiment":"neutral","sentiment_score":0.13154247403144836},{"text":"Okay?","start":925.27,"end":925.77,"sentiment":"neutral","sentiment_score":0.12628749012947085},{"text":"That's absolutely fine.","start":928.595,"end":929.955,"sentiment":"positive","sentiment_score":0.39393966396649677}],"sentiment":"neutral","sentiment_score":-0.09123581385874487,"num_words":91,"start":900.415,"end":929.955},{"sentences":[{"text":"It's not a problem at all.","start":929.955,"end":931.415,"sentiment":"neutral","sentiment_score":-0.23399213080604872},{"text":"Yeah.","start":934.115,"end":934.615,"sentiment":"neutral","sentiment_score":-0.0896277204155922},{"text":"Yeah.","start":938.37,"end":938.61,"sentiment":"neutral","sentiment_score":0.1639626920223236},{"text":"That's absolutely fine.","start":938.61,"end":940.05,"sentiment":"neutral","sentiment_score":0.2621491796647509},{"text":"But, honestly, look with the rest of the recommendations there with the retaining hub twenty four, we do an investment switch in there, put you in a portfolio that's performing better than the current one.","start":940.05,"end":949.83,"sentiment":"positive","sentiment_score":0.3761583230325154}],"sentiment":"neutral","sentiment_score":0.274399370258755,"num_words":46,"start":929.955,"end":949.83},{"sentences":[{"text":"We roll everything from Australian super and plum super over to hub twenty four.","start":950.45,"end":954.58496,"sentiment":"neutral","sentiment_score":0.2174226545861789},{"text":"So instead of three super funds, you only have one.","start":954.58496,"end":957.165,"sentiment":"neutral","sentiment_score":0.16891491562128066},{"text":"The income protection we apply for is paid for out of your hub twenty four super and the one fifty of life and TPD that you currently have in Australian super will also be paid out of hub twenty four, so we can transfer that over to make it easier on you.","start":958.265,"end":973.02,"sentiment":"neutral","sentiment_score":0.29140061584229654},{"text":"The only thing I noted was in your preassessments that you do have essentially it doesn't look like the income protection is expecting any kind of loadings or exclusions.","start":973.24,"end":983.385,"sentiment":"neutral","sentiment_score":-0.09607613536304441},{"text":"However, with your preassessments that you had sort of noticed or noted that there had been a bit of an issue with some, you know, pap smears and things in the past.","start":984.24506,"end":994.70996,"sentiment":"neutral","sentiment_score":-0.16684415529016405}],"sentiment":"neutral","sentiment_score":0.08584436094456345,"num_words":137,"start":950.45,"end":994.70996},{"sentences":[{"text":"So on any kind of insurances, they will request doctor's reports to assess for, like, a cervical cancer exclusion.","start":994.93,"end":1001.99,"sentiment":"neutral","sentiment_score":-0.15247838983410283},{"text":"It's not expected on the income protection based on our pre assessments, but they will go through health checks with you.","start":1003.735,"end":1009.41504,"sentiment":"neutral","sentiment_score":-0.0818123130926064},{"text":"So we do have to go through an application form to apply for the income protection.","start":1009.41504,"end":1013.755,"sentiment":"neutral","sentiment_score":0.1239676009863615},{"text":"My colleague, Jeff, does that with you, or if you prefer to go do it with one of the girls, absolutely fine.","start":1014.135,"end":1018.88995,"sentiment":"positive","sentiment_score":0.33961449563503265},{"text":"I can get Samantha to do it with you.","start":1018.88995,"end":1020.82996,"sentiment":"neutral","sentiment_score":0.30842213498221505}],"sentiment":"neutral","sentiment_score":0.08753622704367528,"num_words":87,"start":994.93,"end":1020.82996},{"sentences":[{"text":"You just go to the application.","start":1021.52997,"end":1022.82996,"sentiment":"neutral","sentiment_score":0.21179051448901495},{"text":"It goes to the underwriters.","start":1022.88995,"end":1024.11,"sentiment":"neutral","sentiment_score":0.16414889097213745},{"text":"They will may request doctor's reports and things like that just to assess your health to make sure the terms are okay to, you know, to put in place for you.","start":1024.33,"end":1033.515,"sentiment":"neutral","sentiment_score":0.1897685657585821},{"text":"And if anything comes out medical wise, there could be excluded exclusions or loadings on the policy, but we just have to wait and see what comes out in the application.","start":1033.895,"end":1043.1951,"sentiment":"neutral","sentiment_score":0.048457097622656056},{"text":"Does that make sense?","start":1043.255,"end":1044.295,"sentiment":"neutral","sentiment_score":0.06252184323966503}],"sentiment":"neutral","sentiment_score":0.12631909713729636,"num_words":77,"start":1021.52997,"end":1044.295},{"sentences":[{"text":"Do you have questions?","start":1044.295,"end":1045.275,"sentiment":"neutral","sentiment_score":-0.013400532305240631},{"text":"Nope.","start":1047.18,"end":1047.5,"sentiment":"neutral","sentiment_score":-0.15395867824554443},{"text":"That's all understandable.","start":1047.5,"end":1049.04,"sentiment":"neutral","sentiment_score":-0.057567824920018516},{"text":"I wanted to make it as easy as possible for you, but at the same time, there is a lot to kinda go through.","start":1049.66,"end":1054.46,"sentiment":"neutral","sentiment_score":-0.025827795267105103},{"text":"It's, you know, a little bit of a complex advice piece.","start":1054.46,"end":1057.26,"sentiment":"neutral","sentiment_score":0.035391219298947944}],"sentiment":"neutral","sentiment_score":-0.014205301310433897,"num_words":43,"start":1044.295,"end":1057.26},{"sentences":[{"text":"So I wanted to make sure you understood all that.","start":1057.26,"end":1059.1,"sentiment":"neutral","sentiment_score":0.059699731320142745},{"text":"But it is really important that we try to get things moving and in place for you because you've got the three funds.","start":1059.1,"end":1064.765,"sentiment":"neutral","sentiment_score":0.28744671655737836},{"text":"You've definitely got a, you know, a a an investment that, well, has been doing very well, could definitely be doing better for you.","start":1064.765,"end":1073.105,"sentiment":"positive","sentiment_score":0.5704938732087612},{"text":"And, realistically, the newer investment portfolio that we wanna put you into is actually cheaper, so it saves you in fees.","start":1074.1499,"end":1081.37,"sentiment":"neutral","sentiment_score":0.23083494355281195},{"text":"Sorry, Brenda.","start":1082.87,"end":1083.7699,"sentiment":"neutral","sentiment_score":-0.0111452117562294}],"sentiment":"neutral","sentiment_score":0.32156710177659986,"num_words":80,"start":1057.26,"end":1083.7699},{"sentences":[{"text":"Yeah.","start":1084.3099,"end":1084.8099,"sentiment":"neutral","sentiment_score":0.12801514565944672},{"text":"Yes.","start":1092.4049,"end":1092.9049,"sentiment":"neutral","sentiment_score":0.1123490035533905},{"text":"Okay.","start":1097.205,"end":1097.705,"sentiment":"neutral","sentiment_score":0.12334471940994264},{"text":"Okay.","start":1104.96,"end":1105.46,"sentiment":"neutral","sentiment_score":0.06758341938257217},{"text":"No worries.","start":1105.76,"end":1106.32,"sentiment":"neutral","sentiment_score":0.0842842385172844}],"sentiment":"neutral","sentiment_score":0.09997679417332013,"num_words":6,"start":1084.3099,"end":1106.32},{"sentences":[{"text":"So we did have about 22,000 in there now, so it'll just be about 6,000 less.","start":1106.32,"end":1111.06,"sentiment":"neutral","sentiment_score":0.08310909220017493},{"text":"Yep.","start":1112.355,"end":1112.675,"sentiment":"neutral","sentiment_score":0.05826179310679436},{"text":"That's okay.","start":1112.675,"end":1113.155,"sentiment":"neutral","sentiment_score":0.0892828069627285},{"text":"We have an authority on that one.","start":1113.155,"end":1115.015,"sentiment":"neutral","sentiment_score":-0.01730392553976604},{"text":"Oh, absolutely.","start":1121.555,"end":1122.4551,"sentiment":"neutral","sentiment_score":0.16318681091070175}],"sentiment":"neutral","sentiment_score":0.06327925090278898,"num_words":28,"start":1106.32,"end":1122.4551},{"sentences":[{"text":"That's okay.","start":1123.81,"end":1124.4501,"sentiment":"neutral","sentiment_score":0.22103677690029144},{"text":"That's not a problem at all.","start":1124.4501,"end":1125.5701,"sentiment":"neutral","sentiment_score":0.2645788639783859},{"text":"We have an authority on file for Australian Super.","start":1125.5701,"end":1127.89,"sentiment":"neutral","sentiment_score":0.1657411754131317},{"text":"So we'll wait for that money to come out, and then we'll sort of do the rollovers and things like that if you decide to take on the advice.","start":1127.89,"end":1135.425,"sentiment":"neutral","sentiment_score":0.1081005807580619},{"text":"If you are happy to take the advice, please, and you're welcome to run your eyes back over it again and let me know if there's any additional questions that come out of it.","start":1135.9851,"end":1142.9651,"sentiment":"neutral","sentiment_score":0.30626846499302807}],"sentiment":"neutral","sentiment_score":0.21336577460169792,"num_words":80,"start":1123.81,"end":1142.9651},{"sentences":[{"text":"But we've got the electronic version that we sent to you.","start":1143.425,"end":1146.145,"sentiment":"neutral","sentiment_score":0.08100423250686038},{"text":"We just get you to sign and return that back.","start":1146.145,"end":1148.7,"sentiment":"neutral","sentiment_score":0.2519883900880814},{"text":"If you like what I if you're comfortable, you don't wanna take the trauma recommendation.","start":1149.6599,"end":1154.5599,"sentiment":"neutral","sentiment_score":-0.12264383882284165},{"text":"I'm happy if you want me to just to make a note on the system here that you're happy with the advice that you don't wanna take on the trauma recommendation.","start":1154.94,"end":1163.6951,"sentiment":"positive","sentiment_score":0.507591802025995},{"text":"Is that accurate?","start":1163.915,"end":1164.895,"sentiment":"neutral","sentiment_score":0.3280877073605855}],"sentiment":"neutral","sentiment_score":0.2612983123000179,"num_words":70,"start":1143.425,"end":1164.895},{"sentences":[{"text":"Yep.","start":1167.835,"end":1168.335,"sentiment":"neutral","sentiment_score":0.02113327383995056},{"text":"Yeah.","start":1171.835,"end":1172.3151,"sentiment":"neutral","sentiment_score":0.02597667276859283},{"text":"That's fine.","start":1172.3151,"end":1173.135,"sentiment":"neutral","sentiment_score":0.03504850156605244},{"text":"Yep.","start":1174.155,"end":1174.395,"sentiment":"neutral","sentiment_score":0.025626733899116516},{"text":"That's fine.","start":1174.395,"end":1175.16,"sentiment":"neutral","sentiment_score":0.06144103780388832}],"sentiment":"neutral","sentiment_score":0.0379593941782202,"num_words":7,"start":1167.835,"end":1175.16},{"sentences":[{"text":"Yeah.","start":1177.4,"end":1177.9,"sentiment":"neutral","sentiment_score":-0.02357564866542816},{"text":"No.","start":1178.36,"end":1178.86,"sentiment":"neutral","sentiment_score":-0.07564166188240051},{"text":"So trauma trauma doesn't really cover those sorts of things.","start":1181.3201,"end":1184.92,"sentiment":"neutral","sentiment_score":-0.13948759958148002},{"text":"Trauma covers you for a major diagnosis, so things like cancer, things like Parkinson's disease.","start":1184.92,"end":1191.0449,"sentiment":"neutral","sentiment_score":-0.097796152283748},{"text":"It's a major diagnosis.","start":1191.105,"end":1192.565,"sentiment":"neutral","sentiment_score":-0.05624510161578655}],"sentiment":"neutral","sentiment_score":-0.10277470958329016,"num_words":31,"start":1177.4,"end":1192.565},{"sentences":[{"text":"So things like mental health, back problems, that's all covered under income protection.","start":1192.7849,"end":1198.085,"sentiment":"neutral","sentiment_score":-0.019743723364976738},{"text":"And you can claim depending on the extent of mental health so long as there's no exclusions and things like that.","start":1199.1849,"end":1205.46,"sentiment":"neutral","sentiment_score":0.05619072665770849},{"text":"You can also claim TPD for mental health as well.","start":1206.32,"end":1209.0399,"sentiment":"neutral","sentiment_score":0.05344777815043926},{"text":"So if you're unable to ever go back to work again, your mental health is that bad, you've suffered very terribly, your doctor's home, we can't, you know, get you back to work in any capacity, then PPD has also been claimed for there.","start":1209.0399,"end":1221.6549,"sentiment":"neutral","sentiment_score":-0.11272630544210022},{"text":"But trauma is only a major diagnosis.","start":1221.6549,"end":1224.235,"sentiment":"neutral","sentiment_score":-0.23891479628426687}],"sentiment":"neutral","sentiment_score":-0.05446890921969163,"num_words":95,"start":1192.7849,"end":1224.235},{"sentences":[{"text":"Cancer is the biggest one.","start":1224.455,"end":1225.995,"sentiment":"neutral","sentiment_score":-0.25382116734981536},{"text":"I've seen people claim for Parkinson's, other neurological disorders, heart attacks, and strokes.","start":1226.0549,"end":1231.595,"sentiment":"neutral","sentiment_score":-0.20610920397134927},{"text":"So that's what trauma tends to cover you for.","start":1231.94,"end":1234.68,"sentiment":"neutral","sentiment_score":-0.19238238864474827},{"text":"Okay?","start":1234.82,"end":1235.32,"sentiment":"neutral","sentiment_score":-0.06630852073431015},{"text":"Yeah.","start":1236.34,"end":1236.84,"sentiment":"neutral","sentiment_score":0.012991981580853462}],"sentiment":"neutral","sentiment_score":-0.19769943190802788,"num_words":29,"start":1224.455,"end":1236.84},{"sentences":[{"text":"Yep.","start":1241.14,"end":1241.46,"sentiment":"neutral","sentiment_score":-0.03013705089688301},{"text":"A lot of bills.","start":1241.46,"end":1242.44,"sentiment":"neutral","sentiment_score":-0.15231375768780708},{"text":"No.","start":1244.515,"end":1244.755,"sentiment":"neutral","sentiment_score":-0.06535989046096802},{"text":"That's absolutely fine.","start":1244.755,"end":1246.375,"sentiment":"neutral","sentiment_score":0.02040174975991249},{"text":"Yeah.","start":1251.395,"end":1251.795,"sentiment":"neutral","sentiment_score":0.020592205226421356}],"sentiment":"neutral","sentiment_score":-0.06229545176029205,"num_words":10,"start":1241.14,"end":1251.795},{"sentences":[{"text":"And, look, honestly, that's absolutely fine, and that's why I thought you'd kinda go with that one, but we would like to look when we sorta had that conversation back earlier this year, we said, let's just put on paper so you can see what it looks like, and then you get to decide how you feel about that.","start":1251.795,"end":1265.83,"sentiment":"neutral","sentiment_score":0.14425611110814548},{"text":"Now I know with the cash flow and budgeting side of things, we did kind of do a really big advice case, and it was a little bit complex for you.","start":1265.97,"end":1273.275,"sentiment":"neutral","sentiment_score":0.02400683070863447},{"text":"Are you wanting me to maybe just give you some guidance on a regular basis with regard to how your bills are going and just sort of talk you through it?","start":1273.415,"end":1282.055,"sentiment":"neutral","sentiment_score":0.038401011407615676},{"text":"Yep.","start":1282.055,"end":1282.555,"sentiment":"neutral","sentiment_score":0.007109448313713074},{"text":"Yeah.","start":1286.63,"end":1287.13,"sentiment":"neutral","sentiment_score":-0.1053205132484436}],"sentiment":"neutral","sentiment_score":0.08412636256950899,"num_words":123,"start":1251.795,"end":1287.13},{"sentences":[{"text":"That's okay.","start":1289.19,"end":1290.09,"sentiment":"neutral","sentiment_score":-0.012876372784376144},{"text":"Yep.","start":1291.19,"end":1291.69,"sentiment":"neutral","sentiment_score":0.04445371776819229},{"text":"Yep.","start":1294.95,"end":1295.445,"sentiment":"neutral","sentiment_score":0.020456502214074135},{"text":"Yep.","start":1306.8849,"end":1307.3849,"sentiment":"neutral","sentiment_score":-0.0545986108481884},{"text":"Yep.","start":1307.94,"end":1308.44,"sentiment":"neutral","sentiment_score":-0.051316939294338226}],"sentiment":"neutral","sentiment_score":-0.011126345954835415,"num_words":6,"start":1289.19,"end":1308.44},{"sentences":[{"text":"No.","start":1309.86,"end":1310.02,"sentiment":"neutral","sentiment_score":-0.08997849375009537},{"text":"It's okay.","start":1310.02,"end":1310.4199,"sentiment":"neutral","sentiment_score":-0.0005007535219192522},{"text":"Well, I can just give you guidance if you like that way.","start":1310.4199,"end":1312.34,"sentiment":"neutral","sentiment_score":0.1940566971898079},{"text":"It's not a really big advice piece.","start":1312.34,"end":1313.86,"sentiment":"neutral","sentiment_score":-0.018678444304636548},{"text":"It's not a lot of paper like this is.","start":1313.86,"end":1315.86,"sentiment":"neutral","sentiment_score":-0.021720093018504687}],"sentiment":"neutral","sentiment_score":0.06166033607047622,"num_words":31,"start":1309.86,"end":1315.86},{"sentences":[{"text":"It's just us having a conversation.","start":1315.86,"end":1317.5599,"sentiment":"neutral","sentiment_score":0.10466789950927098},{"text":"You letting so we know how things are going, and we can maybe just talk through what the next step might be or how you could, you know, maybe do it a little bit better or, you know, what you might need to do.","start":1318.1,"end":1328.1749,"sentiment":"neutral","sentiment_score":0.07163317484611814},{"text":"And we can just talk it through, and I can provide you some guidance that way every few months.","start":1328.1749,"end":1332.495,"sentiment":"neutral","sentiment_score":0.20788842518078654},{"text":"Does that sound okay with you?","start":1332.495,"end":1334.035,"sentiment":"neutral","sentiment_score":0.20388788481553397},{"text":"Yep.","start":1335.35,"end":1335.85,"sentiment":"neutral","sentiment_score":0.1904427856206894}],"sentiment":"neutral","sentiment_score":0.12030943767412712,"num_words":76,"start":1315.86,"end":1335.85},{"sentences":[{"text":"Beautiful.","start":1336.07,"end":1336.57,"sentiment":"positive","sentiment_score":0.633037805557251},{"text":"All good.","start":1337.35,"end":1338.09,"sentiment":"positive","sentiment_score":0.39777953177690506},{"text":"What I'm gonna do, Brenda, is I'm just going to update that electronic document.","start":1338.5499,"end":1342.33,"sentiment":"neutral","sentiment_score":0.035818536167166064},{"text":"On the very last page, I'm gonna put a note that says that you do not wish to proceed with the trauma recommendation.","start":1342.5499,"end":1348.73,"sentiment":"neutral","sentiment_score":-0.13246755439626134},{"text":"That will be resent to you.","start":1350.135,"end":1351.975,"sentiment":"neutral","sentiment_score":0.032908462608853974}],"sentiment":"neutral","sentiment_score":-0.019983621739336977,"num_words":46,"start":1336.07,"end":1351.975},{"sentences":[{"text":"Once that comes through, if you're happy to then take on the rest of the advice, I'll get you to sign and send it back to us.","start":1351.975,"end":1357.975,"sentiment":"neutral","sentiment_score":0.21415464248922136},{"text":"That way we can start to implement it for you.","start":1357.975,"end":1360.295,"sentiment":"positive","sentiment_score":0.3487356692552567},{"text":"I'll make a note that you are taking that money out of AustralianSuper, so no one is to implement anything until that that withdrawal has come out of Australian Super.","start":1360.295,"end":1368.13,"sentiment":"neutral","sentiment_score":0.13620274141430855},{"text":"And then we can go ahead and start implementing it, rolling things over, and getting you sorted.","start":1368.75,"end":1374.11,"sentiment":"neutral","sentiment_score":0.2282028110588298},{"text":"Okay?","start":1374.11,"end":1374.59,"sentiment":"neutral","sentiment_score":0.09965088963508606}],"sentiment":"neutral","sentiment_score":0.20393779952736463,"num_words":85,"start":1351.975,"end":1374.59},{"sentences":[{"text":"Does that sound alright with you?","start":1374.59,"end":1376.05,"sentiment":"neutral","sentiment_score":0.06069914810359478},{"text":"Yep.","start":1380.975,"end":1381.475,"sentiment":"neutral","sentiment_score":0.03956771641969681},{"text":"Beautiful.","start":1381.775,"end":1382.275,"sentiment":"negative","sentiment_score":-0.3835515975952149},{"text":"No.","start":1384.415,"end":1384.915,"sentiment":"neutral","sentiment_score":-0.3065231442451477},{"text":"Absolutely not.","start":1386.1749,"end":1387.315,"sentiment":"neutral","sentiment_score":-0.2160385698080063}],"sentiment":"neutral","sentiment_score":-0.06530811603773724,"num_words":11,"start":1374.59,"end":1387.315},{"sentences":[{"text":"Yeah.","start":1387.9349,"end":1388.1749,"sentiment":"neutral","sentiment_score":0.14820945262908936},{"text":"That's that's absolutely fine.","start":1388.1749,"end":1389.775,"sentiment":"positive","sentiment_score":0.3785912021994591},{"text":"That's not a problem at all.","start":1389.775,"end":1391.1,"sentiment":"positive","sentiment_score":0.3600289821624756},{"text":"And with your employer contributions, did you your new employer I'm just double checking.","start":1391.4199,"end":1396.72,"sentiment":"neutral","sentiment_score":0.021340939748500074},{"text":"Did you give them which which super fund did you give them for your employer contributions?","start":1396.86,"end":1401.9199,"sentiment":"neutral","sentiment_score":-0.00841863313689828}],"sentiment":"neutral","sentiment_score":0.09723958977293677,"num_words":41,"start":1387.9349,"end":1401.9199},{"sentences":[{"text":"Okay.","start":1409.995,"end":1410.495,"sentiment":"neutral","sentiment_score":0.010214140638709068},{"text":"Let me have a quick look for you.","start":1410.955,"end":1412.635,"sentiment":"neutral","sentiment_score":0.02120262011885643},{"text":"Let me have a look.","start":1412.635,"end":1413.755,"sentiment":"neutral","sentiment_score":0.027849713526666164},{"text":"So, yeah, they're not coming into hub.","start":1413.755,"end":1419.63,"sentiment":"neutral","sentiment_score":-0.03819148029599871},{"text":"It looks like they might be going into plumb sleeper, but that's okay.","start":1420.97,"end":1424.59,"sentiment":"neutral","sentiment_score":-0.03490608615370897}],"sentiment":"neutral","sentiment_score":-0.01182458273080342,"num_words":34,"start":1409.995,"end":1424.59},{"sentences":[{"text":"What we'll do is I will also get the team probably tomorrow to email you the contributions form.","start":1424.81,"end":1431.605,"sentiment":"neutral","sentiment_score":0.1663072519004345},{"text":"You can hand that to your employer and get them to change that on your payslip.","start":1431.905,"end":1436.325,"sentiment":"neutral","sentiment_score":0.11789106484502554},{"text":"Okay?","start":1436.545,"end":1437.045,"sentiment":"neutral","sentiment_score":0.07774462550878525},{"text":"Yep.","start":1438.225,"end":1438.725,"sentiment":"neutral","sentiment_score":0.09979548305273056},{"text":"Beautiful.","start":1439.105,"end":1439.605,"sentiment":"neutral","sentiment_score":0.137649804353714}],"sentiment":"neutral","sentiment_score":0.14040479688225566,"num_words":37,"start":1424.81,"end":1439.605},{"sentences":[{"text":"Yeah.","start":1448.0701,"end":1448.55,"sentiment":"neutral","sentiment_score":-0.04639881104230881},{"text":"Well, I can't see because it's a new employer.","start":1448.55,"end":1451.99,"sentiment":"neutral","sentiment_score":-0.2766529561744796},{"text":"I can't see you have I can only see your last employer's contributions that were were coming in.","start":1451.99,"end":1459.615,"sentiment":"neutral","sentiment_score":-0.05818430344677634},{"text":"Yeah.","start":1459.615,"end":1459.855,"sentiment":"neutral","sentiment_score":0.02548621967434883},{"text":"It is.","start":1459.855,"end":1460.495,"sentiment":"neutral","sentiment_score":0.03708607517182827}],"sentiment":"neutral","sentiment_score":-0.11238498414956755,"num_words":31,"start":1448.0701,"end":1460.495},{"sentences":[{"text":"Yeah.","start":1460.495,"end":1460.995,"sentiment":"neutral","sentiment_score":0.02890099212527275},{"text":"Yeah.","start":1461.135,"end":1461.635,"sentiment":"neutral","sentiment_score":0.03221508488059044},{"text":"So I'd have to have a look in the plum, so if you could see what's going in there, but we'll just set the contributions form for you for hub twenty four.","start":1461.855,"end":1468.56,"sentiment":"neutral","sentiment_score":0.04775583918672055},{"text":"The girls will email it to you, and you can either hand it or email it to your payroll and just say, hey.","start":1468.56,"end":1473.68,"sentiment":"neutral","sentiment_score":0.09660954206534055},{"text":"Update everything.","start":1473.68,"end":1474.56,"sentiment":"neutral","sentiment_score":0.09444697573781013}],"sentiment":"neutral","sentiment_score":0.06780027711795548,"num_words":59,"start":1460.495,"end":1474.56},{"sentences":[{"text":"I want my contributions to go into this fund, and they'll be able to update it on their end nice and easy for you.","start":1474.56,"end":1480.18,"sentiment":"neutral","sentiment_score":0.19504383423676094},{"text":"Okay?","start":1480.2401,"end":1480.7401,"sentiment":"neutral","sentiment_score":0.15182363986968994},{"text":"Yeah.","start":1481.505,"end":1482.005,"sentiment":"positive","sentiment_score":0.3432493805885315},{"text":"Beautiful.","start":1482.385,"end":1482.885,"sentiment":"positive","sentiment_score":0.5148442983627319},{"text":"Yeah.","start":1498.56,"end":1499.04,"sentiment":"neutral","sentiment_score":-0.08155013620853424}],"sentiment":"neutral","sentiment_score":0.20033640015338147,"num_words":28,"start":1474.56,"end":1499.04},{"sentences":[{"text":"No.","start":1499.04,"end":1499.28,"sentiment":"neutral","sentiment_score":-0.17642444372177124},{"text":"That's Understandable.","start":1499.28,"end":1500.42,"sentiment":"neutral","sentiment_score":-0.0982300452888012},{"text":"Yeah.","start":1501.28,"end":1501.78,"sentiment":"neutral","sentiment_score":-0.018974874168634415},{"text":"Yeah.","start":1502.4,"end":1502.64,"sentiment":"neutral","sentiment_score":0.0536700114607811},{"text":"That's okay.","start":1502.64,"end":1503.28,"sentiment":"neutral","sentiment_score":0.12846925482153893}],"sentiment":"neutral","sentiment_score":-0.01160726962344987,"num_words":7,"start":1499.04,"end":1503.28},{"sentences":[{"text":"I'll guide you.","start":1503.28,"end":1504.0801,"sentiment":"neutral","sentiment_score":0.1642734557390213},{"text":"You'll have me here.","start":1504.0801,"end":1504.88,"sentiment":"neutral","sentiment_score":0.12287692353129387},{"text":"You can call me or text me or email me whenever you need, and I'll make time to guide you through it.","start":1504.88,"end":1510.255,"sentiment":"neutral","sentiment_score":0.11032821238040924},{"text":"In the meantime, I'll just update this, Odoo sign for you and resend it through this afternoon so it's at the top of your email.","start":1510.635,"end":1517.0549,"sentiment":"neutral","sentiment_score":0.07711187452077865},{"text":"And when you see the last page where it's got the signing box, you'll see I put a little note there saying that you don't wish to proceed with the trauma recommendation, and I'll note in there that we're holding off on any rollovers from Australian Super until your Compassionate Grounds release of 6,000 has been withdrawn just so we have that as a record so you can see that before you sign 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you.","start":1545.515,"end":1546.5549,"sentiment":"neutral","sentiment_score":0.18277967100342116}],"sentiment":"positive","sentiment_score":0.37215748695390566,"num_words":28,"start":1537.4099,"end":1546.5549},{"sentences":[{"text":"I promise.","start":1546.5549,"end":1547.215,"sentiment":"neutral","sentiment_score":0.26913926005363464},{"text":"I've got you, Brenda.","start":1550.98,"end":1552.2799,"sentiment":"positive","sentiment_score":0.4814745783805847},{"text":"My You are.","start":1554.0199,"end":1558.36,"sentiment":"neutral","sentiment_score":-0.09097841754555702},{"text":"Oh, I'll I will help you.","start":1559.1399,"end":1560.82,"sentiment":"neutral","sentiment_score":0.3042428443829219},{"text":"I promise.","start":1560.82,"end":1561.2999,"sentiment":"neutral","sentiment_score":0.21384556591510773}],"sentiment":"neutral","sentiment_score":0.261434692889452,"num_words":17,"start":1546.5549,"end":1561.2999},{"sentences":[{"text":"But, look, we'll get this started.","start":1561.2999,"end":1562.6599,"sentiment":"neutral","sentiment_score":0.28946154316266376},{"text":"You have a good afternoon, and let me know if there's any questions.","start":1562.6599,"end":1565.48,"sentiment":"positive","sentiment_score":0.4161355323516406},{"text":"And yeah.","start":1565.5399,"end":1566.285,"sentiment":"neutral","sentiment_score":0.16825904697179794},{"text":"Okay.","start":1566.365,"end":1566.685,"sentiment":"neutral","sentiment_score":0.09510403871536256},{"text":"Sign that document when it comes back through for me.","start":1566.685,"end":1568.8451,"sentiment":"neutral","sentiment_score":0.3300977811217308}],"sentiment":"positive","sentiment_score":0.33997284760698676,"num_words":32,"start":1561.2999,"end":1568.8451},{"sentences":[{"text":"My pleasure.","start":1568.8451,"end":1569.485,"sentiment":"positive","sentiment_score":0.7031630873680115},{"text":"You have a good afternoon.","start":1569.485,"end":1570.625,"sentiment":"positive","sentiment_score":0.6547163844108581},{"text":"Thanks.","start":1572.685,"end":1573.005,"sentiment":"positive","sentiment_score":0.6251113414764404},{"text":"See you later.","start":1573.005,"end":1573.745,"sentiment":"neutral","sentiment_score":0.3127436613043149}],"sentiment":"positive","sentiment_score":0.5675682201981544,"num_words":11,"start":1568.8451,"end":1573.745}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Yourself, Dana? I did read it. Read through it yesterday. So did you just wanna go page by page, or do you want me just to go yes yes yes or whatever? Because I don't yeah. Mhmm. And how long to sorry. How long does the meeting go for? Yeah. Ten fifteen would be good. Yes. Yep. Brenda Lee Kelly, May 22 1034, Cringle Court, Penny Bay, Northern Territory. Yeah. Because I've seen all the stuff. Like like, I understand the one where we're gonna roll all of my supers into Hub 24 because it says, you know, I'm paying administration fees here and there. Yep. And that works out good. And then I did see the insurance part where I think we were discussing another company, but then you it said something that I did not agree with that or something in one of the pages or your recommendation and Brenda wasn't ready or something like that I said I was reading. Sorry. I don't even have the book on me. I had it at home. Mhmm. Mhmm. No. That's why I was reading all yesterday. I'm like, wow. Like no. It was very thorough. Like, I yeah. So I did yeah. And I did understand it. That's why like, oh my gosh. I should've brought the book up with me now. Just to get you Yep. Yes. Mhmm. Okay. Yeah. Yeah. I'm just thinking how I must have wanna be you know, when I told you what I did want at the beginning, you know, when I do reach that retirement age, I do wanna have that amount. But if it's we're kinda getting sucked up with all insurances and stuff, it's like, what am I gonna do? Work until I'm 70. Yes. Yep. Nope. Nope. That's it. No. Like, I think it was yeah. Because I know where we went the income and, you know, with that real insurance because I know we were gonna talk about that another time just to see, you know, like, because I was always I don't know. I know my kids are not that financially savvy at the moment to understand what their real insurance stuff is, you know, for life and funeral. That's why I keep it. Yeah. But eventually, yeah, like, I wouldn't mind going to a cheaper one because the premiums have just gone up again. And, you know, me paying monthly monthly installments now, it's just yeah. It says there's a lot of holes in my pocket now. Mhmm. Yeah. Because I'm yeah. Because I'm just trying to get my head around this monthly shower. It's still it's just it's just horrible. Yeah. It's horrible because I'm just trying to learn how to pay bills and budget and live off whatever I can for three weeks or four weeks before the next pay pay cycle. Yeah. It's not good. No. I don't know that part. Because I've just been whatever I've done with tallying up all my bills, I've left them in that one account, and then I've kept whatever's left over in another account. Or I've just asked all my direct creditors debits to come out on the fifteenth for you know, that covers me for the monthly installments. Yeah. So it's just I don't know. Just stressing me out at the moment. Yeah. Yeah. And divide it by four. Yeah. Because yeah. Yeah. I need that instilled in my brain because it's like I was gonna go and get, like, Woolworth Woolworths gift cards. So it's, like, a 100, a 100, a 100, a 100, like, you know, for my food for the month. You know? Yeah. Because I was trying to think of my head around it and it's like but it's there and it's like, oh, now because I've, you know, just not even have any money right now. I still got, like, another two, three weeks left till I get paid. Like, oh my gosh. I just because, you know, yeah, I paid all my bills and the next minute oh, yeah. I can go and pay with this money now. And it's like, oh, fuck. Yeah. I put no money. I don't know what to do. Yep. Yep. Yeah. Yeah. No. It is. It's like because, you know, I don't have my second job anymore, and the salary sacrifice is kicking in next fortnight. Finally, after freaking five months and being in my new job. So it was very hard and, you know, I haven't even serviced my car, tires. Like, it's just been trying to pay Peter from Paul again. And since I did my second job, no luck. Yep. Okay. Yeah. And where would that come out? Would that come out of my super? Where would that it'll come out of my pocket directly. I believe it for the next conversation. Yeah. I can't even get my head around just budgeting right now with this with this monthly thing. So it's just probably another two months down the track. I reckon we'll tackle that. Mhmm. Mhmm. Yep. Yes. Nope. Front door. Straight there. That slide door opens up. Yep. Just there. Yeah. No. That's right. Yeah. It was great if the slide's open. Yeah. Because I wanted to also let you know that, you know, because I've got major dental work needed on my teeth, and I have tapped into My Australian Super to pay for that. So that is approved as of yesterday, and so there's $6,000 coming out of My Australian Super. Yep. Yeah. Because I'm needing my major dental work because it's, like, root canals and I'm freaking it's just been in I've been in so much pain, and I can't afford it. So I've tapped into my super and it's been approved. Yep. Yep. Yep. Yeah. That's right. Not for not right now. Because I wanna just read up a bit more of what it includes, the sexual trauma policy. You know, what what does it include, like like, you know, mental health or depression or you know, what does that trauma actually explain it? What yeah. Oh, okay. Yep. Okay. Yep. Yep. I will leave that there. Let that just sit on the side for a couple months because I just got yeah. I don't have that extra money right now until I sort my budgeting out. When you can help me sort that out, then I can actually go to something else. Yeah. Because Yeah. Please. Because it seems like I'm not like, you know, we've had this discussion last financial year, and I'm like, oh my gosh. Get the get your shit together. You know? Like, it's like, I wanna do it now. Like, I wanna actually, you know, move forward, get in a stable position, you know, and actually knuckle down. Like, you know, I said that before that I, you know, still wanted to have my entertainment, but if it's gonna cost something that's unaffordable, well, I've gotta bite the bullet. So Yep. Yeah. Because I think it said five days. So probably next week, the funds will be allocated to me. So I don't wanna stop that process or affect that just yet, like and then you can actually roll it all over after that. Well, that's why I'm confused because I'm sure that I did have 24 when but then I see plumb there. So plumb is yeah. Yeah. Are they? Okay. How much was that again? Was that $50? The contributions or Yeah. Well, that was from NTG, wasn't it? Or Yep. Sounds good. Yeah. Because I because it just went out of whack to say I over I I overspent and my bills and now I'm in arrears and now I'm up shit creek again. So that's alright. I'll figure that part out. Yep. Yep. Yep. Yep. Sounds good, Dana. Yeah. It sounds like a great sounds like a great plan. I'm I'm ready. I'm ready. Thank you. I'm ready now. No more bouncing around because I'm gonna be 50 next year, and I'm like, get this shit together. Yep. Thank you. Yep. Yep. You too. 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I'm good. Yourself, Dana? I did read it. Read through it yesterday.\n\nSo did you just wanna go page by page, or do you want me just to go yes yes yes or whatever? Because I don't yeah. Mhmm. And how long to sorry. How long does the meeting go for?\n\nYeah. Ten fifteen would be good. Yes. Yep. Brenda Lee Kelly, May 22 1034, Cringle Court, Penny Bay, Northern Territory.\n\nYeah. Because I've seen all the stuff. Like like, I understand the one where we're gonna roll all of my supers into Hub 24 because it says, you know, I'm paying administration fees here and there. Yep. And that works out good.\n\nAnd then I did see the insurance part where I think we were discussing another company, but then you it said something that I did not agree with that or something in one of the pages or your recommendation and Brenda wasn't ready or something like that I said I was reading. Sorry. I don't even have the book on me. I had it at home. Mhmm.\n\nMhmm. No. That's why I was reading all yesterday. I'm like, wow. Like no.\n\nIt was very thorough. Like, I yeah. So I did yeah. And I did understand it. That's why like, oh my gosh.\n\nI should've brought the book up with me now. Just to get you Yep. Yes. Mhmm. Okay.\n\nYeah. Yeah. I'm just thinking how I must have wanna be you know, when I told you what I did want at the beginning, you know, when I do reach that retirement age, I do wanna have that amount. But if it's we're kinda getting sucked up with all insurances and stuff, it's like, what am I gonna do? Work until I'm 70.\n\nYes. Yep. Nope. Nope. That's it.\n\nNo. Like, I think it was yeah. Because I know where we went the income and, you know, with that real insurance because I know we were gonna talk about that another time just to see, you know, like, because I was always I don't know. I know my kids are not that financially savvy at the moment to understand what their real insurance stuff is, you know, for life and funeral. That's why I keep it.\n\nYeah. But eventually, yeah, like, I wouldn't mind going to a cheaper one because the premiums have just gone up again. And, you know, me paying monthly monthly installments now, it's just yeah. It says there's a lot of holes in my pocket now. Mhmm.\n\nYeah. Because I'm yeah. Because I'm just trying to get my head around this monthly shower. It's still it's just it's just horrible. Yeah.\n\nIt's horrible because I'm just trying to learn how to pay bills and budget and live off whatever I can for three weeks or four weeks before the next pay pay cycle. Yeah. It's not good. No. I don't know that part.\n\nBecause I've just been whatever I've done with tallying up all my bills, I've left them in that one account, and then I've kept whatever's left over in another account. Or I've just asked all my direct creditors debits to come out on the fifteenth for you know, that covers me for the monthly installments. Yeah. So it's just I don't know. Just stressing me out at the moment.\n\nYeah. Yeah. And divide it by four. Yeah. Because yeah.\n\nYeah. I need that instilled in my brain because it's like I was gonna go and get, like, Woolworth Woolworths gift cards. So it's, like, a 100, a 100, a 100, a 100, like, you know, for my food for the month. You know? Yeah.\n\nBecause I was trying to think of my head around it and it's like but it's there and it's like, oh, now because I've, you know, just not even have any money right now. I still got, like, another two, three weeks left till I get paid. Like, oh my gosh. I just because, you know, yeah, I paid all my bills and the next minute oh, yeah. I can go and pay with this money now.\n\nAnd it's like, oh, fuck. Yeah. I put no money. I don't know what to do. Yep.\n\nYep. Yeah. Yeah. No. It is.\n\nIt's like because, you know, I don't have my second job anymore, and the salary sacrifice is kicking in next fortnight. Finally, after freaking five months and being in my new job. So it was very hard and, you know, I haven't even serviced my car, tires. Like, it's just been trying to pay Peter from Paul again. And since I did my second job, no luck.\n\nYep. Okay. Yeah. And where would that come out? Would that come out of my super?\n\nWhere would that it'll come out of my pocket directly. I believe it for the next conversation. Yeah. I can't even get my head around just budgeting right now with this with this monthly thing. So it's just probably another two months down the track.\n\nI reckon we'll tackle that. Mhmm. Mhmm. Yep. Yes.\n\nNope. Front door. Straight there. That slide door opens up. Yep.\n\nJust there. Yeah. No. That's right. Yeah.\n\nIt was great if the slide's open. Yeah. Because I wanted to also let you know that, you know, because I've got major dental work needed on my teeth, and I have tapped into My Australian Super to pay for that. So that is approved as of yesterday, and so there's $6,000 coming out of My Australian Super. Yep.\n\nYeah. Because I'm needing my major dental work because it's, like, root canals and I'm freaking it's just been in I've been in so much pain, and I can't afford it. So I've tapped into my super and it's been approved. Yep. Yep.\n\nYep. Yeah. That's right. Not for not right now. Because I wanna just read up a bit more of what it includes, the sexual trauma policy.\n\nYou know, what what does it include, like like, you know, mental health or depression or you know, what does that trauma actually explain it? What yeah. Oh, okay. Yep. Okay.\n\nYep. Yep. I will leave that there. Let that just sit on the side for a couple months because I just got yeah. I don't have that extra money right now until I sort my budgeting out.\n\nWhen you can help me sort that out, then I can actually go to something else. Yeah. Because Yeah. Please. Because it seems like I'm not like, you know, we've had this discussion last financial year, and I'm like, oh my gosh.\n\nGet the get your shit together. You know? Like, it's like, I wanna do it now. Like, I wanna actually, you know, move forward, get in a stable position, you know, and actually knuckle down. Like, you know, I said that before that I, you know, still wanted to have my entertainment, but if it's gonna cost something that's unaffordable, well, I've gotta bite the bullet.\n\nSo Yep. Yeah. Because I think it said five days. So probably next week, the funds will be allocated to me. So I don't wanna stop that process or affect that just yet, like and then you can actually roll it all over after that.\n\nWell, that's why I'm confused because I'm sure that I did have 24 when but then I see plumb there. So plumb is yeah. Yeah. Are they? Okay.\n\nHow much was that again? Was that $50? The contributions or Yeah. Well, that was from NTG, wasn't it? Or Yep.\n\nSounds good. Yeah. Because I because it just went out of whack to say I over I I overspent and my bills and now I'm in arrears and now I'm up shit creek again. So that's alright. I'll figure that part out.\n\nYep. Yep. Yep. Yep. Sounds good, Dana.\n\nYeah. It sounds like a great sounds like a great plan. I'm I'm ready. I'm ready. Thank you.\n\nI'm ready now. No more bouncing around because I'm gonna be 50 next year, and I'm like, get this shit together. Yep. Thank you. Yep.\n\nYep. You too. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.04275264963507652},{"text":"I'm good.","start":10.88,"end":11.44,"sentiment":"positive","sentiment_score":0.6877292990684509},{"text":"Yourself, Dana?","start":11.44,"end":12.375,"sentiment":"positive","sentiment_score":0.4672994017601013},{"text":"I did read it.","start":20.935,"end":21.974998,"sentiment":"neutral","sentiment_score":0.18852012231945992},{"text":"Read through it yesterday.","start":21.974998,"end":23.035,"sentiment":"neutral","sentiment_score":0.1934920772910118}],"sentiment":"neutral","sentiment_score":0.29852760382569754,"num_words":13,"start":5.6,"end":23.035},{"sentences":[{"text":"So did you just wanna go page by page, or do you want me just to go yes yes yes or whatever?","start":24.535,"end":30.12,"sentiment":"neutral","sentiment_score":0.04678821673786098},{"text":"Because I don't 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and there.","start":139.87001,"end":149.81,"sentiment":"neutral","sentiment_score":0.020152281584410833},{"text":"Yep.","start":150.43001,"end":150.83,"sentiment":"neutral","sentiment_score":0.1618882268667221},{"text":"And that works out good.","start":150.83,"end":151.95,"sentiment":"neutral","sentiment_score":0.2765051335096359}],"sentiment":"neutral","sentiment_score":0.04234480414362181,"num_words":42,"start":138.35,"end":151.95},{"sentences":[{"text":"And then I did see the insurance part where I think we were discussing another company, but then you it said something that I did not agree with that or something in one of the pages or your recommendation and Brenda wasn't ready or something like that I said I was reading.","start":151.95,"end":172.93,"sentiment":"neutral","sentiment_score":-0.20104112175221628},{"text":"Sorry.","start":181.725,"end":182.125,"sentiment":"neutral","sentiment_score":-0.14342951774597168},{"text":"I don't even have the book on 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yeah.","start":702.765,"end":706.605,"sentiment":"neutral","sentiment_score":-0.17798340320587158},{"text":"I can go and pay with this money now.","start":706.605,"end":707.96497,"sentiment":"neutral","sentiment_score":-0.3112669852044847}],"sentiment":"neutral","sentiment_score":-0.19243512099439447,"num_words":77,"start":688.63,"end":707.96497},{"sentences":[{"text":"And it's like, oh, fuck.","start":707.96497,"end":709.005,"sentiment":"negative","sentiment_score":-0.43404767513275144},{"text":"Yeah.","start":709.005,"end":709.125,"sentiment":"negative","sentiment_score":-0.4271754324436188},{"text":"I put no money.","start":709.125,"end":710.225,"sentiment":"negative","sentiment_score":-0.47466636449098587},{"text":"I don't know what to do.","start":711.885,"end":713.185,"sentiment":"neutral","sentiment_score":-0.16082308813929558},{"text":"Yep.","start":729.285,"end":729.785,"sentiment":"neutral","sentiment_score":-0.01150309294462204}],"sentiment":"neutral","sentiment_score":-0.3219129934030421,"num_words":17,"start":707.96497,"end":729.785},{"sentences":[{"text":"Yep.","start":768.9,"end":769.4,"sentiment":"neutral","sentiment_score":0.1718960404396057},{"text":"Yeah.","start":770.42004,"end":770.66003,"sentiment":"neutral","sentiment_score":0.01308283768594265},{"text":"Yeah.","start":770.66003,"end":770.9,"sentiment":"neutral","sentiment_score":-0.017151853069663048},{"text":"No.","start":770.9,"end":771.14,"sentiment":"neutral","sentiment_score":-0.1542544662952423},{"text":"It is.","start":771.14,"end":771.54004,"sentiment":"neutral","sentiment_score":-0.11839976534247398}],"sentiment":"neutral","sentiment_score":-0.03720449532071749,"num_words":6,"start":768.9,"end":771.54004},{"sentences":[{"text":"It's like because, you know, I don't have my second job anymore, and the salary sacrifice is kicking in next fortnight.","start":771.54004,"end":778.28,"sentiment":"neutral","sentiment_score":-0.32494614202351796},{"text":"Finally, after freaking five months and being in my new job.","start":778.5,"end":781.895,"sentiment":"neutral","sentiment_score":-0.2891712473197417},{"text":"So it was very hard and, you know, I haven't even serviced my car, tires.","start":781.895,"end":785.995,"sentiment":"neutral","sentiment_score":-0.31012455026308694},{"text":"Like, it's just been trying to pay Peter from Paul again.","start":786.135,"end":790.055,"sentiment":"neutral","sentiment_score":-0.27621880851008673},{"text":"And since I did my second job, no luck.","start":790.055,"end":792.235,"sentiment":"neutral","sentiment_score":-0.3040909022092819}],"sentiment":"neutral","sentiment_score":-0.3049529249321169,"num_words":67,"start":771.54004,"end":792.235},{"sentences":[{"text":"Yep.","start":821.075,"end":821.55505,"sentiment":"neutral","sentiment_score":0.08450260758399963},{"text":"Okay.","start":821.55505,"end":822.05505,"sentiment":"neutral","sentiment_score":0.0592462420463562},{"text":"Yeah.","start":880.55,"end":880.94995,"sentiment":"neutral","sentiment_score":-0.05361299589276314},{"text":"And where would that come out?","start":880.94995,"end":881.82996,"sentiment":"neutral","sentiment_score":-0.05194388640423616},{"text":"Would that come out of my super?","start":881.82996,"end":883.02997,"sentiment":"neutral","sentiment_score":-0.057055855968168805}],"sentiment":"neutral","sentiment_score":-0.03880740352906287,"num_words":16,"start":821.075,"end":883.02997},{"sentences":[{"text":"Where would that it'll come out of my pocket directly.","start":883.02997,"end":885.69,"sentiment":"neutral","sentiment_score":-0.04933413080871105},{"text":"I believe it for the next conversation.","start":925.80505,"end":927.42505,"sentiment":"neutral","sentiment_score":0.22023212271077292},{"text":"Yeah.","start":930.31,"end":930.47,"sentiment":"neutral","sentiment_score":-0.07566428184509277},{"text":"I can't even get my head around just budgeting right now with this with this monthly thing.","start":930.47,"end":934.07,"sentiment":"negative","sentiment_score":-0.3838321750654894},{"text":"So it's just probably another two months down the track.","start":934.07,"end":936.55,"sentiment":"neutral","sentiment_score":-0.1437794342637062}],"sentiment":"neutral","sentiment_score":-0.15534048999349276,"num_words":45,"start":883.02997,"end":936.55},{"sentences":[{"text":"I reckon we'll tackle that.","start":936.55,"end":938.01,"sentiment":"neutral","sentiment_score":-0.06555537134408951},{"text":"Mhmm.","start":950.305,"end":950.805,"sentiment":"neutral","sentiment_score":0.15113261342048645},{"text":"Mhmm.","start":971.995,"end":972.495,"sentiment":"neutral","sentiment_score":0.09465309977531432},{"text":"Yep.","start":1021.21,"end":1021.71,"sentiment":"neutral","sentiment_score":0.2392180860042572},{"text":"Yes.","start":1044.99,"end":1045.49,"sentiment":"neutral","sentiment_score":0.02718631736934185}],"sentiment":"neutral","sentiment_score":0.020490362205439143,"num_words":9,"start":936.55,"end":1045.49},{"sentences":[{"text":"Nope.","start":1045.87,"end":1046.37,"sentiment":"neutral","sentiment_score":-0.12907446920871735},{"text":"Front door.","start":1078.51,"end":1079.41,"sentiment":"neutral","sentiment_score":0.17527908831834793},{"text":"Straight there.","start":1079.55,"end":1080.11,"sentiment":"neutral","sentiment_score":0.2608194649219513},{"text":"That slide door opens up.","start":1080.11,"end":1081.31,"sentiment":"neutral","sentiment_score":0.22207050621509553},{"text":"Yep.","start":1081.31,"end":1081.47,"sentiment":"neutral","sentiment_score":0.10057426989078522}],"sentiment":"neutral","sentiment_score":0.17764085802164944,"num_words":11,"start":1045.87,"end":1081.47},{"sentences":[{"text":"Just there.","start":1081.47,"end":1082.085,"sentiment":"neutral","sentiment_score":0.06826657801866531},{"text":"Yeah.","start":1082.4049,"end":1082.565,"sentiment":"neutral","sentiment_score":0.02361372113227844},{"text":"No.","start":1082.565,"end":1082.8049,"sentiment":"neutral","sentiment_score":-0.04569033533334732},{"text":"That's right.","start":1082.8049,"end":1083.205,"sentiment":"neutral","sentiment_score":-0.06550104543566704},{"text":"Yeah.","start":1083.205,"end":1083.365,"sentiment":"neutral","sentiment_score":0.03527642786502838}],"sentiment":"neutral","sentiment_score":0.002675839832850865,"num_words":7,"start":1081.47,"end":1083.365},{"sentences":[{"text":"It was great if the slide's open.","start":1083.365,"end":1084.9049,"sentiment":"neutral","sentiment_score":0.29549555480480194},{"text":"Yeah.","start":1085.0449,"end":1085.205,"sentiment":"neutral","sentiment_score":0.08859335631132126},{"text":"Because I wanted to also let you know that, you know, because I've got major dental work needed on my teeth, and I have tapped into My Australian Super to pay for that.","start":1085.205,"end":1096.35,"sentiment":"neutral","sentiment_score":0.09083685961862405},{"text":"So that is approved as of yesterday, and so there's $6,000 coming out of My Australian Super.","start":1096.6699,"end":1104.37,"sentiment":"neutral","sentiment_score":0.14210113400922103},{"text":"Yep.","start":1111.3251,"end":1111.8251,"sentiment":"neutral","sentiment_score":0.06400774419307709}],"sentiment":"neutral","sentiment_score":0.12939670558829428,"num_words":59,"start":1083.365,"end":1111.8251},{"sentences":[{"text":"Yeah.","start":1112.285,"end":1112.605,"sentiment":"neutral","sentiment_score":0.06253605335950851},{"text":"Because I'm needing my major dental work because it's, like, root canals and I'm freaking it's just been in I've been in so much pain, and I can't afford it.","start":1112.605,"end":1120.925,"sentiment":"neutral","sentiment_score":-0.13451146511361003},{"text":"So I've tapped into my super and it's been approved.","start":1120.925,"end":1123.105,"sentiment":"neutral","sentiment_score":0.12210962474346161},{"text":"Yep.","start":1133.99,"end":1134.49,"sentiment":"neutral","sentiment_score":0.07045938819646835},{"text":"Yep.","start":1135.75,"end":1136.25,"sentiment":"neutral","sentiment_score":0.20459839701652527}],"sentiment":"neutral","sentiment_score":-0.05759660156746937,"num_words":43,"start":1112.285,"end":1136.25},{"sentences":[{"text":"Yep.","start":1143.2251,"end":1143.7251,"sentiment":"neutral","sentiment_score":0.1467671096324921},{"text":"Yeah.","start":1165.325,"end":1165.645,"sentiment":"neutral","sentiment_score":0.09585176408290864},{"text":"That's right.","start":1165.645,"end":1166.125,"sentiment":"neutral","sentiment_score":0.10857412591576576},{"text":"Not for not right now.","start":1166.125,"end":1167.325,"sentiment":"neutral","sentiment_score":-0.12511053532361985},{"text":"Because I wanna just read up a bit more of what it includes, the sexual trauma policy.","start":1167.325,"end":1173.6649,"sentiment":"neutral","sentiment_score":0.017712035819011575}],"sentiment":"neutral","sentiment_score":0.005204579148154997,"num_words":26,"start":1143.2251,"end":1173.6649},{"sentences":[{"text":"You know, what what does it include, like like, you know, mental health or depression or you know, what does that trauma actually explain it?","start":1173.8049,"end":1182.1001,"sentiment":"neutral","sentiment_score":-0.026335251815617085},{"text":"What yeah.","start":1182.1001,"end":1183.2401,"sentiment":"neutral","sentiment_score":-0.11714991927146912},{"text":"Oh, okay.","start":1198.675,"end":1199.415,"sentiment":"neutral","sentiment_score":0.024752388708293438},{"text":"Yep.","start":1199.555,"end":1200.055,"sentiment":"neutral","sentiment_score":0.053375691175460815},{"text":"Okay.","start":1235.01,"end":1235.51,"sentiment":"neutral","sentiment_score":-0.03644714504480362}],"sentiment":"neutral","sentiment_score":-0.02665315517374585,"num_words":31,"start":1173.8049,"end":1235.51},{"sentences":[{"text":"Yep.","start":1235.8099,"end":1236.13,"sentiment":"neutral","sentiment_score":-0.0016726069152355194},{"text":"Yep.","start":1236.13,"end":1236.53,"sentiment":"neutral","sentiment_score":0.014621363952755928},{"text":"I will leave that there.","start":1236.53,"end":1237.49,"sentiment":"neutral","sentiment_score":-0.01662706062197685},{"text":"Let that just sit on the side for a couple months because I just got yeah.","start":1237.49,"end":1241.33,"sentiment":"neutral","sentiment_score":-0.03367150411941111},{"text":"I don't have that extra money right now until I sort my budgeting out.","start":1241.33,"end":1246.925,"sentiment":"neutral","sentiment_score":-0.08098456902163369}],"sentiment":"neutral","sentiment_score":-0.047100394007724686,"num_words":37,"start":1235.8099,"end":1246.925},{"sentences":[{"text":"When you can help me sort that out, then I can actually go to something else.","start":1246.925,"end":1250.865,"sentiment":"neutral","sentiment_score":0.06966736470349133},{"text":"Yeah.","start":1252.125,"end":1252.365,"sentiment":"neutral","sentiment_score":0.0944586768746376},{"text":"Because Yeah.","start":1252.365,"end":1280.445,"sentiment":"neutral","sentiment_score":0.12586293369531631},{"text":"Please.","start":1280.445,"end":1280.9249,"sentiment":"neutral","sentiment_score":0.03472604602575302},{"text":"Because it seems like I'm not like, you know, we've had this discussion last financial year, and I'm like, oh my gosh.","start":1280.9249,"end":1287.005,"sentiment":"neutral","sentiment_score":-0.09801633368161591}],"sentiment":"neutral","sentiment_score":-0.01573264084401585,"num_words":42,"start":1246.925,"end":1287.005},{"sentences":[{"text":"Get the get your shit together.","start":1287.005,"end":1288.44,"sentiment":"neutral","sentiment_score":-0.18033266564210257},{"text":"You know?","start":1288.44,"end":1288.6799,"sentiment":"neutral","sentiment_score":-0.06416763737797737},{"text":"Like, it's like, I wanna do it now.","start":1288.6799,"end":1290.28,"sentiment":"neutral","sentiment_score":-0.023280917899683118},{"text":"Like, I wanna actually, you know, move forward, get in a stable position, you know, and actually knuckle down.","start":1290.28,"end":1298.6,"sentiment":"neutral","sentiment_score":-0.025927493054615825},{"text":"Like, you know, I said that before that I, you know, still wanted to have my entertainment, but if it's gonna cost something that's unaffordable, well, I've gotta bite the bullet.","start":1298.6,"end":1309.1449,"sentiment":"neutral","sentiment_score":-0.08187764955143775}],"sentiment":"neutral","sentiment_score":-0.06708194115058039,"num_words":66,"start":1287.005,"end":1309.1449},{"sentences":[{"text":"So Yep.","start":1310.485,"end":1334.9451,"sentiment":"neutral","sentiment_score":0.11239717528223991},{"text":"Yeah.","start":1374.7301,"end":1374.9701,"sentiment":"neutral","sentiment_score":0.1056203618645668},{"text":"Because I think it said five days.","start":1374.9701,"end":1377.53,"sentiment":"neutral","sentiment_score":-0.010599637404084206},{"text":"So probably next week, the funds will be allocated to me.","start":1377.53,"end":1381.13,"sentiment":"neutral","sentiment_score":0.04062186283144084},{"text":"So I don't wanna stop that process or affect that just yet, like and then you can actually roll it all over after that.","start":1381.13,"end":1387.965,"sentiment":"neutral","sentiment_score":-0.23131143798430762}],"sentiment":"neutral","sentiment_score":-0.10774259488615724,"num_words":45,"start":1310.485,"end":1387.965},{"sentences":[{"text":"Well, that's why I'm confused because I'm sure that I did have 24 when but then I see plumb there.","start":1404.25,"end":1409.2101,"sentiment":"neutral","sentiment_score":-0.07530300356447697},{"text":"So plumb is yeah.","start":1409.2101,"end":1411.55,"sentiment":"neutral","sentiment_score":-0.00844303471967578},{"text":"Yeah.","start":1420.4551,"end":1420.855,"sentiment":"neutral","sentiment_score":-0.011703826487064362},{"text":"Are they?","start":1420.855,"end":1421.5951,"sentiment":"neutral","sentiment_score":-0.024370186030864716},{"text":"Okay.","start":1437.16,"end":1437.66,"sentiment":"neutral","sentiment_score":0.05794823169708252}],"sentiment":"neutral","sentiment_score":-0.055083149179284065,"num_words":28,"start":1404.25,"end":1437.66},{"sentences":[{"text":"How much was that again?","start":1438.76,"end":1439.8,"sentiment":"neutral","sentiment_score":0.0572672288864851},{"text":"Was that $50?","start":1439.8,"end":1440.765,"sentiment":"neutral","sentiment_score":-0.010605759918689728},{"text":"The contributions or Yeah.","start":1440.845,"end":1456.8799,"sentiment":"neutral","sentiment_score":-0.036377426236867905},{"text":"Well, that was from NTG, wasn't it?","start":1456.8799,"end":1458.96,"sentiment":"neutral","sentiment_score":-0.01747274146016155},{"text":"Or Yep.","start":1458.96,"end":1480.59,"sentiment":"neutral","sentiment_score":0.0530431428924203}],"sentiment":"neutral","sentiment_score":0.004418393109171164,"num_words":21,"start":1438.76,"end":1480.59},{"sentences":[{"text":"Sounds good.","start":1480.97,"end":1481.79,"sentiment":"positive","sentiment_score":0.400360643863678},{"text":"Yeah.","start":1482.89,"end":1483.21,"sentiment":"neutral","sentiment_score":0.10017383098602296},{"text":"Because I because it just went out of whack to say I over I I overspent and my bills and now I'm in arrears and now I'm up shit creek again.","start":1483.21,"end":1497.8949,"sentiment":"neutral","sentiment_score":-0.2627721486553069},{"text":"So that's alright.","start":1498.835,"end":1500.375,"sentiment":"neutral","sentiment_score":-0.10895989338556926},{"text":"I'll figure that part out.","start":1500.4349,"end":1501.975,"sentiment":"neutral","sentiment_score":-0.030070767924189567}],"sentiment":"neutral","sentiment_score":-0.183863690699495,"num_words":42,"start":1480.97,"end":1501.975},{"sentences":[{"text":"Yep.","start":1510.79,"end":1511.29,"sentiment":"neutral","sentiment_score":0.04806162416934967},{"text":"Yep.","start":1533.485,"end":1533.965,"sentiment":"neutral","sentiment_score":0.007047904189676046},{"text":"Yep.","start":1533.965,"end":1534.465,"sentiment":"neutral","sentiment_score":0.022071272134780884},{"text":"Yep.","start":1537.76,"end":1538.26,"sentiment":"neutral","sentiment_score":0.10520626604557036},{"text":"Sounds good, Dana.","start":1538.3201,"end":1539.3,"sentiment":"positive","sentiment_score":0.4428699314594269}],"sentiment":"neutral","sentiment_score":0.21585669441680824,"num_words":7,"start":1510.79,"end":1539.3},{"sentences":[{"text":"Yeah.","start":1545.76,"end":1546.0,"sentiment":"neutral","sentiment_score":0.1618400514125824},{"text":"It sounds like a great sounds like a great plan.","start":1546.0,"end":1548.16,"sentiment":"positive","sentiment_score":0.6016253218054771},{"text":"I'm I'm ready.","start":1548.16,"end":1549.185,"sentiment":"positive","sentiment_score":0.5756571094195048},{"text":"I'm ready.","start":1549.505,"end":1550.165,"sentiment":"positive","sentiment_score":0.46923619508743286},{"text":"Thank you.","start":1552.625,"end":1553.265,"sentiment":"positive","sentiment_score":0.7568848729133606}],"sentiment":"positive","sentiment_score":0.5754059296515253,"num_words":18,"start":1545.76,"end":1553.265},{"sentences":[{"text":"I'm ready now.","start":1553.265,"end":1553.9851,"sentiment":"positive","sentiment_score":0.3800298273563385},{"text":"No more bouncing around because I'm gonna be 50 next year, and I'm like, get this shit together.","start":1553.9851,"end":1558.4851,"sentiment":"neutral","sentiment_score":-0.032389385677460164},{"text":"Yep.","start":1564.06,"end":1564.56,"sentiment":"neutral","sentiment_score":0.24445348978042605},{"text":"Thank you.","start":1567.18,"end":1568.0,"sentiment":"neutral","sentiment_score":0.27697964012622833},{"text":"Yep.","start":1570.3,"end":1570.8,"sentiment":"neutral","sentiment_score":0.2281067818403244}],"sentiment":"neutral","sentiment_score":0.06334400366991759,"num_words":25,"start":1553.265,"end":1570.8},{"sentences":[{"text":"Yep.","start":1571.02,"end":1571.26,"sentiment":"neutral","sentiment_score":0.1939898431301117},{"text":"You too.","start":1571.26,"end":1571.74,"sentiment":"neutral","sentiment_score":0.28606125712394714},{"text":"Bye bye.","start":1571.74,"end":1572.48,"sentiment":"neutral","sentiment_score":0.2632725238800049}],"sentiment":"neutral","sentiment_score":0.25853148102760315,"num_words":5,"start":1571.02,"end":1572.48}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Brenda. It's Dana from Okie Financial. How are you this afternoon?\n\nChannel 1: I'm good. Yourself, Dana?\n\nChannel 0: I'm very well. I had to book in just to go through that advice document with you. Is now still a good time? Yes.\n\nChannel 1: I did read it. Read through it yesterday. So did you just wanna go page by page, or do you want me just to go yes yes yes or whatever? Because I don't\n\nChannel 0: No. That's okay.\n\nChannel 1: yeah.\n\nChannel 0: What I'll do is I'll give you the abbreviated outline of essentially what the recommendations are. And then if you've had a bit of a look through it, you can ask me questions, and we can kind of talk it through. Does that sound okay?\n\nChannel 1: Mhmm. And\n\nChannel 0: Yeah.\n\nChannel 1: how\n\nChannel 0: Beautiful.\n\nChannel 1: long to sorry. How long does the meeting go for?\n\nChannel 0: Oh, literally, Ernie, I can make this about five or ten minutes or shorter if you need me to.\n\nChannel 1: Yeah. Ten fifteen would be good.\n\nChannel 0: No. All good, Brenda. Look. Before I jump into the call and go through, I do have to let you know we do record our calls for quality and training purposes. Are you happy with that and happy for me to proceed with that?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. And I just have to do security as with you as well with you just for you to confirm your full name, your date of birth, and address that I should have on file.\n\nChannel 1: Yep. Brenda Lee Kelly, May 22\n\nChannel 0: Fantastic.\n\nChannel 1: 1034, Cringle Court, Penny Bay, Northern Territory.\n\nChannel 0: Fantastic. Thank you so much. So the abbreviated version, Brenda, to make it easy for you is, essentially, we are just going to retain Hub 24. We're going to transfer the 150,000 of life and TPD from Australian Super into Hub 24. So you keep that cover, but we pay for that at Hub 24.\n\nThat allows us to then consolidate and transfer all the money from Plum Super and Australian Super into Hub 24. We'll make sure your contributions go in the hub twenty four. You have an investment switch in there, and that still leaves you with the with your insurance line policy exactly as it is with no changes. Okay? And then the other thing that you talked about wanting to do was trying to get some income protection and some trauma insurance.\n\nSo we're going to apply for hang on. Sorry. My computer's just frozen on me. I have to scroll down the page. I do apologize.\n\nChannel 1: Yeah. Because I've seen all the stuff. Like like, I understand the one where we're gonna roll all of my supers into\n\nChannel 0: Yes.\n\nChannel 1: Hub 24 because it says, you know, I'm paying administration fees here and there.\n\nChannel 0: Yes.\n\nChannel 1: Yep. And that works\n\nChannel 0: Yes.\n\nChannel 1: out good. And then I did see the insurance part\n\nChannel 0: Yes.\n\nChannel 1: where I think we were discussing another company, but then you it said something that I did not agree with that or something in one of the pages or your recommendation and Brenda wasn't ready or something like that I said I was reading.\n\nChannel 0: So that was we're looking at the do you remember what page that was on?\n\nChannel 1: Sorry. I don't even have the book on me.\n\nChannel 0: That's\n\nChannel 1: I had\n\nChannel 0: okay.\n\nChannel 1: it at home.\n\nChannel 0: You're absolutely fine. You're absolutely fine. So, essentially, with the the reason we're retaining the life and TPD within Australian Super and just transferring that to hub twenty four is that so you keep that same level of cover because you\n\nChannel 1: Mhmm.\n\nChannel 0: do also have the additional life policy with insurance line. We are retaining insurance line because you didn't wanna look at altering that in any way, shape, or form. You weren't ready to look at other options. You just wanted to keep that policy as is. So it might\n\nChannel 1: Mhmm.\n\nChannel 0: just be more keeping that policy exactly as it is. With the policy that we're applying for is income protection and trauma. So, essentially, income protection and we're gonna apply for that through sorry. I've got the page here to tell me. It's a big document.\n\nI do apologize, Brenda.\n\nChannel 1: No. That's why I was reading all yesterday. I'm like, wow. Like no. It was very thorough.\n\nLike, I\n\nChannel 0: Oh, good.\n\nChannel 1: yeah. So\n\nChannel 0: Good.\n\nChannel 1: I did yeah. And I did understand it. That's why like, oh my gosh.\n\nChannel 0: Yeah.\n\nChannel 1: I should've brought the book up with me now.\n\nChannel 0: That's okay. You're absolutely\n\nChannel 1: Just to get you\n\nChannel 0: fine. So, essentially, what we're gonna look at doing with Neos so Neos is the insurance company to apply for income protection for. That's essentially giving you up to 70% of your current income in the event that something was to happen. Now your\n\nChannel 1: Yep.\n\nChannel 0: income that we had noted when we kinda went through the research with you, just to confirm, is about 110,000. Is that still correct?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Fantastic. So, essentially, to make sure you're covered for that, because one of the things we talked about was that you don't have a partner. You've got some kids, but you still in the event that something happens if you're off work, you need to be able to cover your, you know, your rent and all your expenses and things like that. So we're gonna apply for with Neos Insurance Company, a monthly benefit of 6,416 that covers up to 70% of your monthly income.\n\nWe\n\nChannel 1: Mhmm.\n\nChannel 0: have a waiting period of thirty days. That\n\nChannel 1: Okay.\n\nChannel 0: essentially means that you have to be off work for thirty days prior to making a claim, and then you can be on a claim for two years. So the benefit period of two years means that if you're on an income protection claim, you can be on it for two years. If at the end of that two year period, you still can't go back to work, your injury continues, it means the claim stops. But this kind of benefit and waiting period makes the policy a bit cheaper. If you wanted to extend the waiting period and, say, have a five year benefit period or up to age 65, it's gonna cost you more.\n\nAnd because these insurance premiums come out of your super, it does essentially mean that you've, you know, you're paying more out of your super, which can,\n\nChannel 1: Yeah.\n\nChannel 0: you know, reduce how much you have at the end in your at your retirement years. Does that\n\nChannel 1: Yeah.\n\nChannel 0: make\n\nChannel 1: I'm\n\nChannel 0: sense?\n\nChannel 1: just thinking how I must have wanna be you know, when I told you what I did want at the beginning, you know, when I do reach that retirement age, I do wanna have that amount. But if\n\nChannel 0: Yeah.\n\nChannel 1: it's we're kinda getting sucked up with all insurances and stuff, it's like, what am I gonna do?\n\nChannel 0: Absolutely. And the\n\nChannel 1: Work\n\nChannel 0: important\n\nChannel 1: until\n\nChannel 0: thing,\n\nChannel 1: I'm 70.\n\nChannel 0: like, having well, we definitely don't want that for you. But, essentially, having the income protection means that you've got that benefit to cover you in the event that something happens if you're unable to go to work. Because you and I sort of talked about if you were off work due to illness or injury, like, you broke your back and couldn't go into work, how would you pay your bills? So this kind of this income protection gives you that level of cover. We will review that every year because the expected premium for this cover is 2,120 and 91¢ from your super fund, So for the first year, so it isn't cheap insurance cover.\n\nAnd we it does get more expensive the older you get because the older you get, the more likely you are to claim on the insurances. So, essentially, we do wanna review that every year. If your income decreases, we'll try to decrease the cover to make it cheaper. If your income increases, we'll see what else we can do to, you know, not have to keep increasing it and costing more, but we just wanna review that every year with you to make sure that cover remains in line with what you need, but that you're not eating away all your super. Because you are working hard.\n\nChannel 1: Yes.\n\nChannel 0: You want your super. You wanna have something at retirement, so it's completely understandable. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now does that make sense? Do you have any questions so far?\n\nChannel 1: Nope.\n\nChannel 0: No?\n\nChannel 1: Nope.\n\nChannel 0: Excellent.\n\nChannel 1: That's it. No. Like, I think it was yeah. Because I know where we went the income and, you know, with that real insurance because I know we were gonna talk about that another time just to see,\n\nChannel 0: Yes.\n\nChannel 1: you know, like, because I was always I don't know. I know my kids are not that financially savvy at the moment to understand what their real insurance stuff is, you know, for life and funeral. That's why I keep it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. But eventually, yeah, like, I wouldn't mind going to a cheaper one because the premiums have just gone up again. And,\n\nChannel 0: Yes.\n\nChannel 1: you know, me paying monthly monthly installments now, it's just yeah. It says there's a lot of holes in my pocket now.\n\nChannel 0: Absolutely. Yeah. Completely understand. No. Definitely.\n\nSo that's essentially where that is. And, yeah, that's I've just gone back through to have a look, and, yeah, it the section you put up before is about the retaining of the insurance line. You didn't wanna review that. You wanted to keep it as of the moment because it's important. You've got your life covered there.\n\nYou've also got the funeral benefit for yourself and also your kids. You're adding that protection there to make sure that if anything happens, you can cover the cost of the funeral for them.\n\nChannel 1: Mhmm.\n\nChannel 0: When we did sort of talk about we'll look at that down the track when you are able to, when you're more comfortable with it, and see if we can maybe decrease the amount or see what\n\nChannel 1: Yeah.\n\nChannel 0: you need\n\nChannel 1: Because\n\nChannel 0: to be covered\n\nChannel 1: I'm\n\nChannel 0: or look at what we can do. Yeah.\n\nChannel 1: yeah. Because I'm just trying to get my head around this monthly shower. It's still it's just\n\nChannel 0: A\n\nChannel 1: it's\n\nChannel 0: bit difficult.\n\nChannel 1: just horrible. Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: It's horrible because I'm just trying to learn how to pay bills and budget and live off whatever I can for three weeks or four weeks before the next pay pay cycle.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. It's not\n\nChannel 0: Do\n\nChannel 1: good.\n\nChannel 0: you divide do you work out do you take your monthly income that you receive in your bank account and maybe divide that by four and then transfer a little bit of money into a savings account and transfer what you need back each week? Have you tried doing that?\n\nChannel 1: No. I don't know that part.\n\nChannel 0: Sorry.\n\nChannel 1: Because\n\nChannel 0: Because\n\nChannel 1: I've just\n\nChannel 0: you\n\nChannel 1: been whatever I've done with tallying up all my bills,\n\nChannel 0: yeah.\n\nChannel 1: I've left them in that one account, and then I've kept whatever's left over in another account.\n\nChannel 0: Mhmm.\n\nChannel 1: Or I've just asked all my direct creditors debits to come out on the fifteenth for you know, that covers me for the monthly installments.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So it's just I don't know.\n\nChannel 0: A bit\n\nChannel 1: Just\n\nChannel 0: difficult.\n\nChannel 1: stressing me out\n\nChannel 0: Yeah.\n\nChannel 1: at the moment.\n\nChannel 0: Yeah. Because realistically, essentially, because you are only getting paid once a month, it is realistically easier to lose that money quickly or to spend that money quickly. So if you\n\nChannel 1: Yeah.\n\nChannel 0: are just having\n\nChannel 1: Yeah.\n\nChannel 0: everything paid on a monthly basis, you've got that money sitting there that covers all of your debts, and that's absolutely fine. With the rest of the money left over in that separate account, look at the amount that you have for that month and divide that by four, and\n\nChannel 1: And\n\nChannel 0: that\n\nChannel 1: divide\n\nChannel 0: will give\n\nChannel 1: it\n\nChannel 0: you\n\nChannel 1: by\n\nChannel 0: a\n\nChannel 1: four.\n\nChannel 0: limit of how yeah. So four weeks in a month, essentially. And that\n\nChannel 1: Yeah.\n\nChannel 0: will\n\nChannel 1: Because\n\nChannel 0: give you how much you have left over per week and try to keep yourself within that budget range. Does that make sense?\n\nChannel 1: yeah. Yeah. I need that instilled in my brain because\n\nChannel 0: The\n\nChannel 1: it's\n\nChannel 0: and,\n\nChannel 1: like\n\nChannel 0: look,\n\nChannel 1: I was\n\nChannel 0: this\n\nChannel 1: gonna\n\nChannel 0: is\n\nChannel 1: go\n\nChannel 0: not\n\nChannel 1: and get,\n\nChannel 0: easy.\n\nChannel 1: like, Woolworth\n\nChannel 0: Yeah.\n\nChannel 1: Woolworths gift cards. So it's, like, a 100, a 100, a 100, a 100, like, you know,\n\nChannel 0: Yep.\n\nChannel 1: for my food for the month. You know?\n\nChannel 0: Yep. And, look, it's not easy, but these are little things that become habits. So starting off small, and if you sort of build these habits, so if you say, right. This month, I'll start doing this. I'm gonna put all my bill money in this account for all the bills to come out this month.\n\nThat's how much is there. What's left over in this account divided by four so you know how much you're able to spend per week, and then you can kind of break down what you need to spend, how much you need for the food, how much you need, what you have left over. Can I get my haircut this week? No. I'll do it next week.\n\nAnd just kind of break things down to a weekly amount and try to sort of not so much do it all in one day, but sort of schedule it out. It's hard to start with, but the more you do it, the more it becomes a habit, and that's how budgeting becomes easier for you. Does that make sense?\n\nChannel 1: Yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: I was trying to think of my head around it and it's like but it's there and it's like, oh, now because I've, you know, just not even have any money right now. I still got, like, another two, three weeks left till I get paid.\n\nChannel 0: Yeah.\n\nChannel 1: Like, oh my gosh. I just because, you know, yeah, I paid all my bills and the next minute oh, yeah. I can go and pay with this money now. And it's like, oh, fuck. Yeah.\n\nI put no money.\n\nChannel 0: Yeah. Yeah. And\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: don't\n\nChannel 0: just\n\nChannel 1: know what to\n\nChannel 0: just\n\nChannel 1: do.\n\nChannel 0: about just about breaking down those habits. And you're doing the right thing by separating your bill money from the rest of it. That way, you've got all your bills covered. That's not a worry. But then sort of working out what you have left over and trying to break it down and live within what you have per week.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: that's the hard part. It's by no means easy. It does take time to kind of train your brain because you see a nice lump sum of money, and then you go, cool. I wanna do this. I can do that.\n\nI have this money here, but then you get to next week and get, oh, I probably should have kept that for this week. So just sort of breaking it down, looking at it as a weekly amount, and making sure that you allocate enough per per week to whatever you have, food or, you know, if you wanna go buy a bottle of wine at the end of the week or if you wanna go out and have a night at you, just kinda allocate a little bit of money from that weekly allowance. And the more you do it, the easier it becomes, but it is hard to begin with. I will be a 100%\n\nChannel 1: Yep.\n\nChannel 0: honest with you. Okay?\n\nChannel 1: Yeah. Yeah. No. It is. It's like\n\nChannel 0: Yeah.\n\nChannel 1: because, you know, I don't have my second job anymore, and the salary sacrifice is kicking in next fortnight. Finally, after\n\nChannel 0: Yeah.\n\nChannel 1: freaking five months and being in my new job. So it was very hard and, you know, I haven't even serviced my car,\n\nChannel 0: Yeah.\n\nChannel 1: tires.\n\nChannel 0: Yeah.\n\nChannel 1: Like, it's just been trying to pay Peter from Paul again. And since I did my second job, no luck.\n\nChannel 0: Yeah. Absolutely. And that's the next thing I wanted to sort of talk to you about was we talked about trauma. Do you remember us talking about the other type of insurance cover trauma and how that's an out of pocket expense and what that covers. Yes.\n\nSo this is the part and, look, you don't have to take the trauma recommendation, but I sort of said I'd show you what this looks like and how much is expected to cost, and then you can decide whether your budget allows that or whether you're not wanting trauma right now, and we get it down the track. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: But the trauma recommendation in here is for a 110,000. It's essentially based on one year's worth of income for you. We've linked it to a bit of life, and that is because linking the trauma to the same amount of life cover actually makes the policy cheaper. They give you what's called a multi policy discount. So it actually makes the policy cheaper.\n\nIt means that if you were diagnosed with, say, a major medical condition, you could claim the 110,000 of trauma cover, give you one year's worth of income to support you and go through rehabilitation, things like that. However, the monthly premium is about a $147.86. So it does come down to whether you can afford that premium on a year on a monthly basis. Unfortunately, given your age, insurances are a lot more expensive, and a $147 is a lot on a monthly basis to pay for the the premium for an out of pocket insurance cover. Okay?\n\nChannel 1: Yeah. And where would that come out? Would that come out of my super? Where would that\n\nChannel 0: Note\n\nChannel 1: it'll come\n\nChannel 0: that\n\nChannel 1: out of my pocket directly.\n\nChannel 0: the trauma has to come out of your pocket directly. Yes. So with the income protection, that is a super policy, the same as with your life and TBD. The $1.50 amount, that can all come out of your super. But trauma, they can't take out of super.\n\nThey used to, but they don't allow that anymore because, unfortunately, it doesn't meet a condition of release. So that $1.47 would have to come out of your back pocket, and, understandably, with everything else you've got to pay, it could add a little bit more stress to you. But I wanted to just show you the cost of this and the recommendation and let you decide whether you wanted to take that on or whether you were just happy to leave that for the time being. Okay?\n\nChannel 1: I believe it for the next conversation.\n\nChannel 0: That's absolutely fine. It's not\n\nChannel 1: Yeah.\n\nChannel 0: a problem\n\nChannel 1: I can't\n\nChannel 0: at\n\nChannel 1: even\n\nChannel 0: all.\n\nChannel 1: get my head around just budgeting right now with this with this monthly thing. So\n\nChannel 0: Yeah.\n\nChannel 1: it's just probably another two months down the track. I reckon we'll tackle that.\n\nChannel 0: Yeah. That's absolutely fine. But, honestly, look with the rest of the recommendations there with the retaining hub twenty four, we do an investment switch in there, put you in a portfolio that's performing better than the current one.\n\nChannel 1: Mhmm.\n\nChannel 0: We roll everything from Australian super and plum super over to hub twenty four. So instead of three super funds, you only have one. The income protection we apply for is paid for out of your hub twenty four super and the one fifty of life and TPD that you currently have in Australian super will also be paid out of hub twenty four, so we can transfer that over to make it easier\n\nChannel 1: Mhmm.\n\nChannel 0: on you. The only thing I noted was in your preassessments that you do have essentially it doesn't look like the income protection is expecting any kind of loadings or exclusions. However, with your preassessments that you had sort of noticed or noted that there had been a bit of an issue with some, you know, pap smears and things in the past. So on any kind of insurances, they will request doctor's reports to assess for, like, a cervical cancer exclusion. It's not expected on the income protection based on our pre assessments, but they will go through health checks with you.\n\nSo we do have to go through an application form to apply for the income protection. My colleague, Jeff, does that with you, or if you prefer to go do it with one of the girls, absolutely fine. I can get Samantha to do it with you.\n\nChannel 1: Yep.\n\nChannel 0: You just go to the application. It goes to the underwriters. They will may request doctor's reports and things like that just to assess your health to make sure the terms are okay to, you know, to put in place for you. And if anything comes out medical wise, there could be excluded exclusions or loadings on the policy, but we just have to wait and see what comes out in the application. Does that make sense?\n\nDo you have questions?\n\nChannel 1: Yes. Nope.\n\nChannel 0: Nope. That's all understandable. I wanted to make it as easy as possible for you, but at the same time, there is a lot to kinda go through. It's, you know, a little bit of a complex advice piece. So I wanted to make sure you understood all that.\n\nBut it is really important that we try to get things moving and in place for you because you've got the three funds. You've definitely got a, you know, a a an investment that, well, has been doing very well, could definitely be doing better for you. And, realistically, the newer investment portfolio that we wanna put you into\n\nChannel 1: Front\n\nChannel 0: is actually\n\nChannel 1: door.\n\nChannel 0: cheaper,\n\nChannel 1: Straight\n\nChannel 0: so\n\nChannel 1: there. That\n\nChannel 0: it saves\n\nChannel 1: slide\n\nChannel 0: you in\n\nChannel 1: door opens\n\nChannel 0: fees.\n\nChannel 1: up. Yep. Just there. Yeah. No.\n\nThat's\n\nChannel 0: Sorry,\n\nChannel 1: right. Yeah.\n\nChannel 0: Brenda.\n\nChannel 1: It was great if the slide's\n\nChannel 0: Yeah.\n\nChannel 1: open. Yeah. Because I wanted to also let you know that, you know, because I've got major dental work needed on my teeth,\n\nChannel 0: Yes.\n\nChannel 1: and I have tapped into My Australian Super to pay for that. So that\n\nChannel 0: Okay.\n\nChannel 1: is approved as of yesterday, and so there's $6,000 coming out of My Australian Super.\n\nChannel 0: Okay. No worries. So we did have about 22,000 in there now, so it'll just be about 6,000 less.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Because\n\nChannel 0: That's okay.\n\nChannel 1: I'm needing\n\nChannel 0: We have\n\nChannel 1: my\n\nChannel 0: an authority\n\nChannel 1: major\n\nChannel 0: on\n\nChannel 1: dental\n\nChannel 0: that one.\n\nChannel 1: work because it's, like, root canals and I'm freaking it's just been in I've been in so much pain, and I can't afford it. So I've tapped into\n\nChannel 0: Oh,\n\nChannel 1: my super\n\nChannel 0: absolutely.\n\nChannel 1: and it's been approved.\n\nChannel 0: That's okay. That's not a problem at all. We have an authority on file for Australian Super. So we'll wait for that money to come out, and then we'll sort of do the rollovers and things like that if you decide\n\nChannel 1: Yep.\n\nChannel 0: to take on the advice.\n\nChannel 1: Yep.\n\nChannel 0: If you are happy to take the advice, please, and you're welcome to run your eyes back over it again and let me know if there's any additional questions that come out of it.\n\nChannel 1: Yep.\n\nChannel 0: But we've got the electronic version that we sent to you. We just get you to sign and return that back. If you like what I if you're comfortable, you don't wanna take the trauma recommendation. I'm happy if you want me to just to make a note on the system here that you're happy with the advice that you don't wanna take on the trauma recommendation. Is that accurate?\n\nChannel 1: Yeah. That's right. Not for not right now. Because I wanna\n\nChannel 0: Yep.\n\nChannel 1: just read up a bit more of what it includes, the\n\nChannel 0: Yeah. That's\n\nChannel 1: sexual\n\nChannel 0: fine.\n\nChannel 1: trauma policy. You know, what\n\nChannel 0: Yep. That's\n\nChannel 1: what\n\nChannel 0: fine.\n\nChannel 1: does it include, like like, you know, mental health\n\nChannel 0: Yeah.\n\nChannel 1: or depression or\n\nChannel 0: No.\n\nChannel 1: you know, what does that trauma actually explain\n\nChannel 0: So trauma\n\nChannel 1: it? What\n\nChannel 0: trauma\n\nChannel 1: yeah.\n\nChannel 0: doesn't really cover those sorts of things. Trauma covers you for a major diagnosis, so things like cancer, things like Parkinson's disease. It's a major diagnosis. So things like mental health, back problems, that's all covered under income protection.\n\nChannel 1: Oh, okay.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: you can claim depending on the extent of mental health so long as there's no exclusions and things like that. You can also claim TPD for mental health as well. So if you're unable to ever go back to work again, your mental health is that bad, you've suffered very terribly, your doctor's home, we can't, you know, get you back to work in any capacity, then PPD has also been claimed for there. But trauma is only a major diagnosis. Cancer is the biggest one.\n\nI've seen people claim for Parkinson's, other neurological disorders, heart attacks, and strokes. So that's what trauma tends to cover you for. Okay?\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: I will leave that there. Let that just sit on the side for a couple months because I just got yeah.\n\nChannel 0: Yep.\n\nChannel 1: I don't\n\nChannel 0: A lot\n\nChannel 1: have\n\nChannel 0: of bills.\n\nChannel 1: that extra money right now\n\nChannel 0: No.\n\nChannel 1: until\n\nChannel 0: That's\n\nChannel 1: I sort\n\nChannel 0: absolutely\n\nChannel 1: my\n\nChannel 0: fine.\n\nChannel 1: budgeting out. When you can help me sort that out, then I can actually go to something else.\n\nChannel 0: Yeah. And, look,\n\nChannel 1: Yeah.\n\nChannel 0: honestly,\n\nChannel 1: Because\n\nChannel 0: that's absolutely fine, and that's why I thought you'd kinda go with that one, but we would like to look when we sorta had that conversation back earlier this year, we said, let's just put on paper so you can see what it looks like, and then you get to decide how you feel about that. Now I know with the cash flow and budgeting side of things, we did kind of do a really big advice case, and it was a little bit complex for you. Are you wanting me to maybe just give you some guidance on a regular basis with regard to how your bills are going and\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: Please.\n\nChannel 0: sort of\n\nChannel 1: Because\n\nChannel 0: talk you through it?\n\nChannel 1: it\n\nChannel 0: Yep.\n\nChannel 1: seems like I'm not like, you know, we've had this discussion last financial year, and I'm like, oh my gosh.\n\nChannel 0: Yeah.\n\nChannel 1: Get the get your shit together. You know? Like, it's like,\n\nChannel 0: That's\n\nChannel 1: I wanna\n\nChannel 0: okay.\n\nChannel 1: do it now. Like, I wanna\n\nChannel 0: Yep.\n\nChannel 1: actually, you know, move forward, get in\n\nChannel 0: Yep.\n\nChannel 1: a stable position, you know, and actually knuckle down. Like, you know, I said that before that I, you know, still wanted to have my entertainment, but if it's gonna cost something that's unaffordable,\n\nChannel 0: Yep.\n\nChannel 1: well, I've\n\nChannel 0: Yep.\n\nChannel 1: gotta bite the bullet.\n\nChannel 0: No. It's okay. Well,\n\nChannel 1: So\n\nChannel 0: I can just give you guidance if you like that way. It's not a really big advice piece. It's not a lot of paper like this is. It's just us having a conversation. You letting so we know how things are going, and we can maybe just talk through what the next step might be or how you could, you know, maybe do it a little bit better or, you know, what you might need to do.\n\nAnd we can just talk it through, and I can provide you some guidance that way every few months. Does that sound okay with you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. All good. What I'm gonna do, Brenda, is I'm just going to update that electronic document. On the very last page, I'm gonna put a note that says that you do not wish to proceed with the trauma recommendation.\n\nThat will be resent to you. Once that comes through, if you're happy to then take on the rest of the advice, I'll get you to sign and send it back to us. That way we can start to implement it for you. I'll make a note that you are taking that money out of AustralianSuper, so no one is to implement anything until that that withdrawal has come out of Australian Super. And then we can go ahead and start implementing it, rolling things over, and getting you sorted.\n\nOkay? Does\n\nChannel 1: Yeah.\n\nChannel 0: that sound\n\nChannel 1: Because\n\nChannel 0: alright with you?\n\nChannel 1: I think it said five days. So probably next week, the funds will be allocated to me.\n\nChannel 0: Yep.\n\nChannel 1: So I don't wanna\n\nChannel 0: Beautiful.\n\nChannel 1: stop that process or affect\n\nChannel 0: No.\n\nChannel 1: that just yet, like and then you can actually\n\nChannel 0: Absolutely\n\nChannel 1: roll it\n\nChannel 0: not.\n\nChannel 1: all over after that.\n\nChannel 0: Yeah. That's that's absolutely fine. That's not a problem at all. And with your employer contributions, did you your new employer I'm just double checking. Did you give them which which super fund did you give them for your employer contributions?\n\nChannel 1: Well, that's why I'm confused because I'm sure that I did have 24 when but then I see plumb there. So plumb is\n\nChannel 0: Okay. Let\n\nChannel 1: yeah.\n\nChannel 0: me have a quick look for you. Let me have a look. So, yeah, they're not coming into hub.\n\nChannel 1: Yeah. Are\n\nChannel 0: It\n\nChannel 1: they?\n\nChannel 0: looks like they might be going into plumb sleeper, but that's okay. What we'll do is I will also get the team probably tomorrow to email you the contributions form. You can hand that to your employer and get them to change that on your payslip. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: How much\n\nChannel 0: Beautiful.\n\nChannel 1: was that again? Was that $50? The contributions or\n\nChannel 0: Yeah. Well, I can't see because it's a new employer. I can't see you have I can only see your last employer's contributions that were were\n\nChannel 1: Yeah. Well, that was from NTG, wasn't it? Or\n\nChannel 0: coming in. Yeah. It is. Yeah. Yeah.\n\nSo I'd have to have a look in the plum, so if you could see what's going in there, but we'll just set the contributions form for you for hub twenty four. The girls will email it to you, and you can either hand it or email it to your payroll and just say, hey. Update everything. I want my contributions to go into this fund, and they'll be able to update it on their end nice and easy for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Sounds good.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Yeah. Because I because it just went out of whack to say I over I I overspent and my bills and now I'm in arrears and now I'm up shit creek again.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: No. That's\n\nChannel 1: that's alright.\n\nChannel 0: Understandable.\n\nChannel 1: I'll figure that part\n\nChannel 0: Yeah.\n\nChannel 1: out.\n\nChannel 0: Yeah. That's okay. I'll guide you. You'll have me here. You can call me or text me or email me whenever you need, and I'll make time to guide you through it.\n\nIn\n\nChannel 1: Yep.\n\nChannel 0: the meantime, I'll just update this, Odoo sign for you and resend it through this afternoon so it's at the top of your email. And when you see the last page where it's got the signing box, you'll see I put a little note there saying that you don't wish to proceed with the trauma recommendation, and I'll note in there that we're holding off on any rollovers from Australian Super until your Compassionate Grounds release of 6,000 has been withdrawn\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: Yep.\n\nChannel 0: so we have that as a record so you can see that before you sign it. Okay?\n\nChannel 1: Yep. Sounds good, Dana.\n\nChannel 0: Beautiful. If you do have any more questions, let me know. But look, I'm glad we're moving things along for you. I'll be\n\nChannel 1: Yeah.\n\nChannel 0: here\n\nChannel 1: It\n\nChannel 0: to\n\nChannel 1: sounds\n\nChannel 0: help you.\n\nChannel 1: like\n\nChannel 0: I\n\nChannel 1: a\n\nChannel 0: promise.\n\nChannel 1: great sounds like a great plan. I'm I'm ready. I'm ready.\n\nChannel 0: I've got you, Brenda.\n\nChannel 1: Thank you. I'm ready now. No\n\nChannel 0: My\n\nChannel 1: more bouncing around because I'm gonna be 50 next year, and I'm like, get this\n\nChannel 0: You\n\nChannel 1: shit\n\nChannel 0: are.\n\nChannel 1: together.\n\nChannel 0: Oh, I'll I will help you. I promise. But, look, we'll get this started. You have a good afternoon, and let\n\nChannel 1: Yep.\n\nChannel 0: me know if there's any questions. And yeah. Okay. Sign that document\n\nChannel 1: Thank\n\nChannel 0: when\n\nChannel 1: you.\n\nChannel 0: it comes back through for me. My pleasure. You have a good afternoon.\n\nChannel 1: Yep. Yep. You too. Bye bye.\n\nChannel 0: Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.04275264963507652}],"sentiment":"neutral","sentiment_score":0.04275264963507652,"channel":1,"num_words":1,"start":5.6,"end":6.1},{"sentences":[{"text":"Hi, Brenda.","start":6.8799996,"end":7.52,"sentiment":"neutral","sentiment_score":0.19338257610797882},{"text":"It's Dana from Okie Financial.","start":7.52,"end":9.22,"sentiment":"neutral","sentiment_score":0.24264013767242432},{"text":"How are you this afternoon?","start":9.36,"end":10.58,"sentiment":"positive","sentiment_score":0.3699264287948608}],"sentiment":"neutral","sentiment_score":0.28746649871269864,"channel":0,"num_words":12,"start":6.8799996,"end":10.58},{"sentences":[{"text":"I'm good.","start":10.88,"end":11.44,"sentiment":"positive","sentiment_score":0.6877292990684509},{"text":"Yourself, Dana?","start":11.44,"end":12.375,"sentiment":"positive","sentiment_score":0.4672994017601013}],"sentiment":"positive","sentiment_score":0.5775143504142761,"channel":1,"num_words":4,"start":10.88,"end":12.375},{"sentences":[{"text":"I'm very well.","start":12.815001,"end":13.775001,"sentiment":"positive","sentiment_score":0.699414849281311},{"text":"I had to book in just to go through that advice document with you.","start":13.775001,"end":16.815,"sentiment":"neutral","sentiment_score":0.3256046622991562},{"text":"Is now still a good time?","start":16.815,"end":18.095001,"sentiment":"neutral","sentiment_score":0.28326010207335156},{"text":"Yes.","start":18.095001,"end":18.595001,"sentiment":"neutral","sentiment_score":0.17746490240097046}],"sentiment":"positive","sentiment_score":0.35557230561971664,"channel":0,"num_words":24,"start":12.815001,"end":18.595001},{"sentences":[{"text":"I did read it.","start":20.935,"end":21.974998,"sentiment":"neutral","sentiment_score":0.18852012231945992},{"text":"Read through it yesterday.","start":21.974998,"end":23.035,"sentiment":"neutral","sentiment_score":0.1934920772910118},{"text":"So did you just wanna go page by page, or do you want me just to go yes yes yes or whatever?","start":24.535,"end":30.12,"sentiment":"neutral","sentiment_score":0.04678821673786098},{"text":"Because I don't","start":30.12,"end":31.02,"sentiment":"neutral","sentiment_score":-0.0867342899243037}],"sentiment":"neutral","sentiment_score":0.0696117180879369,"channel":1,"num_words":33,"start":20.935,"end":31.02},{"sentences":[{"text":"No.","start":32.0,"end":32.239998,"sentiment":"neutral","sentiment_score":-0.1021963506937027},{"text":"That's okay.","start":32.239998,"end":32.879997,"sentiment":"neutral","sentiment_score":0.05277331918478013}],"sentiment":"neutral","sentiment_score":0.001116762558619186,"channel":0,"num_words":3,"start":32.0,"end":32.879997},{"sentences":[{"text":"yeah.","start":32.53,"end":33.03,"sentiment":"neutral","sentiment_score":0.12066278606653214}],"sentiment":"neutral","sentiment_score":0.12066278606653214,"channel":1,"num_words":1,"start":32.53,"end":33.03},{"sentences":[{"text":"What I'll do is I'll give you the abbreviated outline of essentially what the recommendations are.","start":32.879997,"end":37.44,"sentiment":"neutral","sentiment_score":0.12166765192523599},{"text":"And then if you've had a bit of a look through it, you can ask me questions, and we can kind of talk it through.","start":37.44,"end":42.015,"sentiment":"neutral","sentiment_score":0.12988819509744645},{"text":"Does that sound okay?","start":42.015,"end":43.155,"sentiment":"neutral","sentiment_score":0.09670569002628326}],"sentiment":"neutral","sentiment_score":0.1240157792965571,"channel":0,"num_words":45,"start":32.879997,"end":43.155},{"sentences":[{"text":"Mhmm.","start":43.555,"end":44.055,"sentiment":"neutral","sentiment_score":0.029624221846461296},{"text":"And","start":44.435,"end":44.675003,"sentiment":"neutral","sentiment_score":0.05968940258026123}],"sentiment":"neutral","sentiment_score":0.04465681221336126,"channel":1,"num_words":2,"start":43.555,"end":44.675003},{"sentences":[{"text":"Yeah.","start":44.495,"end":44.735,"sentiment":"neutral","sentiment_score":0.09010618925094604}],"sentiment":"neutral","sentiment_score":0.09010618925094604,"channel":0,"num_words":1,"start":44.495,"end":44.735},{"sentences":[{"text":"how","start":44.675003,"end":44.835,"sentiment":"neutral","sentiment_score":0.1895076036453247}],"sentiment":"neutral","sentiment_score":0.1895076036453247,"channel":1,"num_words":1,"start":44.675003,"end":44.835},{"sentences":[{"text":"Beautiful.","start":44.735,"end":45.235,"sentiment":"neutral","sentiment_score":0.23012185096740723}],"sentiment":"neutral","sentiment_score":0.23012185096740723,"channel":0,"num_words":1,"start":44.735,"end":45.235},{"sentences":[{"text":"long to sorry.","start":44.835,"end":46.515,"sentiment":"neutral","sentiment_score":-0.01611362894376119},{"text":"How long does the meeting go for?","start":46.515,"end":48.135002,"sentiment":"neutral","sentiment_score":-0.026265317840235575}],"sentiment":"neutral","sentiment_score":-0.023219811171293257,"channel":1,"num_words":10,"start":44.835,"end":48.135002},{"sentences":[{"text":"Oh, literally, Ernie, I can make this about five or ten minutes or shorter if you need me to.","start":48.335,"end":53.235,"sentiment":"neutral","sentiment_score":0.03638533689081669}],"sentiment":"neutral","sentiment_score":0.03638533689081669,"channel":0,"num_words":19,"start":48.335,"end":53.235},{"sentences":[{"text":"Yeah.","start":53.41,"end":53.73,"sentiment":"neutral","sentiment_score":0.11737411469221117},{"text":"Ten fifteen would be good.","start":53.73,"end":55.27,"sentiment":"neutral","sentiment_score":0.18542072176933289}],"sentiment":"neutral","sentiment_score":0.1740796205898126,"channel":1,"num_words":6,"start":53.41,"end":55.27},{"sentences":[{"text":"No.","start":56.37,"end":56.61,"sentiment":"neutral","sentiment_score":-0.009313743561506271},{"text":"All good, Brenda.","start":56.61,"end":57.59,"sentiment":"neutral","sentiment_score":0.10048602521419525},{"text":"Look.","start":57.65,"end":57.89,"sentiment":"neutral","sentiment_score":0.08400773257017136},{"text":"Before I jump into the call and go through, I do have to let you know we do record our calls for quality and training purposes.","start":57.89,"end":62.93,"sentiment":"neutral","sentiment_score":0.0595376045944599},{"text":"Are you happy with that and happy for me to proceed with that?","start":62.93,"end":65.75,"sentiment":"neutral","sentiment_score":0.18137705096831688}],"sentiment":"neutral","sentiment_score":0.0973188965158029,"channel":0,"num_words":44,"start":56.37,"end":65.75},{"sentences":[{"text":"Yes.","start":65.835,"end":66.335,"sentiment":"neutral","sentiment_score":0.22109515964984897}],"sentiment":"neutral","sentiment_score":0.22109515964984897,"channel":1,"num_words":1,"start":65.835,"end":66.335},{"sentences":[{"text":"Beautiful.","start":67.104996,"end":67.604996,"sentiment":"positive","sentiment_score":0.43519049882888794},{"text":"And I just have to do security as with you as well with you just for you to confirm your full name, your date of birth, and address that I should have on file.","start":67.905,"end":74.48499,"sentiment":"neutral","sentiment_score":0.1742331771289601}],"sentiment":"neutral","sentiment_score":0.1816891006061009,"channel":0,"num_words":35,"start":67.104996,"end":74.48499},{"sentences":[{"text":"Yep.","start":74.555,"end":74.875,"sentiment":"neutral","sentiment_score":0.07703416049480438},{"text":"Brenda Lee Kelly, May 22","start":74.875,"end":78.395004,"sentiment":"neutral","sentiment_score":0.0679035685956478}],"sentiment":"neutral","sentiment_score":0.06942533391217391,"channel":1,"num_words":6,"start":74.555,"end":78.395004},{"sentences":[{"text":"Fantastic.","start":78.384995,"end":78.884995,"sentiment":"neutral","sentiment_score":0.2928858995437622}],"sentiment":"neutral","sentiment_score":0.2928858995437622,"channel":0,"num_words":1,"start":78.384995,"end":78.884995},{"sentences":[{"text":"1034, Cringle Court, Penny Bay, Northern Territory.","start":78.395004,"end":80.815,"sentiment":"neutral","sentiment_score":0.12618146411010198}],"sentiment":"neutral","sentiment_score":0.12618146411010198,"channel":1,"num_words":7,"start":78.395004,"end":80.815},{"sentences":[{"text":"Fantastic.","start":81.399994,"end":81.899994,"sentiment":"positive","sentiment_score":0.6343179941177368},{"text":"Thank you so much.","start":82.119995,"end":83.079994,"sentiment":"positive","sentiment_score":0.6878669112920761},{"text":"So the abbreviated version, Brenda, to make it easy for you is, essentially, we are just going to retain Hub 24.","start":83.079994,"end":90.46,"sentiment":"neutral","sentiment_score":0.1887019851378032},{"text":"We're going to transfer the 150,000 of life and TPD from Australian Super into Hub 24.","start":90.52,"end":97.235,"sentiment":"neutral","sentiment_score":0.1397479702718556},{"text":"So you keep that cover, but we pay for that at Hub 24.","start":97.235,"end":100.695,"sentiment":"neutral","sentiment_score":0.13492414011405066}],"sentiment":"neutral","sentiment_score":0.20615470314567738,"channel":0,"num_words":55,"start":81.399994,"end":100.695},{"sentences":[{"text":"That allows us to then consolidate and transfer all the money from Plum Super and Australian Super into Hub 24.","start":100.835,"end":107.43,"sentiment":"neutral","sentiment_score":0.1852799691259861},{"text":"We'll make sure your contributions go in the hub twenty four.","start":107.590004,"end":110.31,"sentiment":"neutral","sentiment_score":0.1530913428657434},{"text":"You have an investment switch in there, and that still leaves you with the with your insurance line policy exactly as it is with no changes.","start":110.31,"end":119.93,"sentiment":"neutral","sentiment_score":0.21927068210565126},{"text":"Okay?","start":120.71,"end":121.21,"sentiment":"neutral","sentiment_score":0.10247670114040376},{"text":"And then the other thing that you talked about wanting to do was trying to get some income protection and some trauma insurance.","start":121.795006,"end":128.615,"sentiment":"neutral","sentiment_score":0.08311406911715218}],"sentiment":"neutral","sentiment_score":0.1617869404891943,"channel":0,"num_words":81,"start":100.835,"end":128.615},{"sentences":[{"text":"So we're going to apply for hang on.","start":129.315,"end":133.075,"sentiment":"neutral","sentiment_score":0.05339426640421152},{"text":"Sorry.","start":133.075,"end":133.575,"sentiment":"neutral","sentiment_score":-0.17134720087051392},{"text":"My computer's just frozen on me.","start":135.01,"end":136.45,"sentiment":"negative","sentiment_score":-0.47541436553001404},{"text":"I have to scroll down the page.","start":136.45,"end":137.81,"sentiment":"neutral","sentiment_score":-0.20545206538268498},{"text":"I do apologize.","start":137.81,"end":138.62999,"sentiment":"neutral","sentiment_score":-0.1573510617017746}],"sentiment":"neutral","sentiment_score":-0.18027587622404098,"channel":0,"num_words":25,"start":129.315,"end":138.62999},{"sentences":[{"text":"Yeah.","start":138.35,"end":138.51001,"sentiment":"neutral","sentiment_score":-0.03374869376420975},{"text":"Because I've seen all the stuff.","start":138.51001,"end":139.87001,"sentiment":"neutral","sentiment_score":-0.052766598761081696},{"text":"Like like, I understand the one where we're gonna roll all of my supers 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there.","start":145.55,"end":149.81,"sentiment":"neutral","sentiment_score":0.006246479361185006}],"sentiment":"neutral","sentiment_score":0.006246479361185006,"channel":1,"num_words":14,"start":145.55,"end":149.81},{"sentences":[{"text":"Yes.","start":149.665,"end":150.165,"sentiment":"neutral","sentiment_score":0.107563316822052}],"sentiment":"neutral","sentiment_score":0.107563316822052,"channel":0,"num_words":1,"start":149.665,"end":150.165},{"sentences":[{"text":"Yep.","start":150.43001,"end":150.83,"sentiment":"neutral","sentiment_score":0.1618882268667221},{"text":"And that works","start":150.83,"end":151.55,"sentiment":"neutral","sentiment_score":0.24872396886348724}],"sentiment":"neutral","sentiment_score":0.22701503336429596,"channel":1,"num_words":4,"start":150.43001,"end":151.55},{"sentences":[{"text":"Yes.","start":151.265,"end":151.765,"sentiment":"neutral","sentiment_score":0.2892693877220154}],"sentiment":"neutral","sentiment_score":0.2892693877220154,"channel":0,"num_words":1,"start":151.265,"end":151.765},{"sentences":[{"text":"out good.","start":151.55,"end":151.95,"sentiment":"neutral","sentiment_score":0.31817688047885895},{"text":"And then I did see the insurance part","start":151.95,"end":155.485,"sentiment":"neutral","sentiment_score":-0.01917464518919587}],"sentiment":"neutral","sentiment_score":0.04829565994441509,"channel":1,"num_words":10,"start":151.55,"end":155.485},{"sentences":[{"text":"Yes.","start":155.745,"end":156.245,"sentiment":"neutral","sentiment_score":-0.024117669090628624}],"sentiment":"neutral","sentiment_score":-0.024117669090628624,"channel":0,"num_words":1,"start":155.745,"end":156.245},{"sentences":[{"text":"where I think we were discussing another company, but then you it said something that I did not agree with that or something in one of the pages or your recommendation and Brenda wasn't ready or something like that I said I was reading.","start":157.465,"end":172.93,"sentiment":"neutral","sentiment_score":-0.2341077538545836}],"sentiment":"neutral","sentiment_score":-0.2341077538545836,"channel":1,"num_words":44,"start":157.465,"end":172.93},{"sentences":[{"text":"So that was we're looking at the do you remember what page that was on?","start":174.975,"end":180.99501,"sentiment":"neutral","sentiment_score":-0.043980233495434125}],"sentiment":"neutral","sentiment_score":-0.043980233495434125,"channel":0,"num_words":15,"start":174.975,"end":180.99501},{"sentences":[{"text":"Sorry.","start":181.725,"end":182.125,"sentiment":"neutral","sentiment_score":-0.14342951774597168},{"text":"I don't even have the book on me.","start":182.125,"end":183.80501,"sentiment":"neutral","sentiment_score":-0.14276580326259136}],"sentiment":"neutral","sentiment_score":-0.14283954931630027,"channel":1,"num_words":9,"start":181.725,"end":183.80501},{"sentences":[{"text":"That's","start":183.71,"end":184.11,"sentiment":"neutral","sentiment_score":-0.016819525510072708}],"sentiment":"neutral","sentiment_score":-0.016819525510072708,"channel":0,"num_words":1,"start":183.71,"end":184.11},{"sentences":[{"text":"I 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essentially, with the the reason we're retaining the life and TPD within Australian Super and just transferring that to hub twenty four is that so you keep that same level of cover because you","start":187.23001,"end":198.405,"sentiment":"neutral","sentiment_score":0.14337295017072132}],"sentiment":"neutral","sentiment_score":0.17326634449929726,"channel":0,"num_words":41,"start":184.51001,"end":198.405},{"sentences":[{"text":"Mhmm.","start":198.3,"end":198.8,"sentiment":"neutral","sentiment_score":0.10417893528938292}],"sentiment":"neutral","sentiment_score":0.10417893528938292,"channel":1,"num_words":1,"start":198.3,"end":198.8},{"sentences":[{"text":"do also have the additional life policy with insurance line.","start":198.405,"end":202.025,"sentiment":"neutral","sentiment_score":0.12728266566991805},{"text":"We are retaining insurance line because you didn't wanna look at altering that in any way, shape, or form.","start":202.405,"end":207.525,"sentiment":"neutral","sentiment_score":0.09215268826014117},{"text":"You weren't ready to look at other options.","start":207.525,"end":209.44499,"sentiment":"neutral","sentiment_score":0.009780687279999256},{"text":"You just wanted to keep that policy as is.","start":209.44499,"end":211.8,"sentiment":"neutral","sentiment_score":0.1339537931813134},{"text":"So it might","start":212.04001,"end":212.68001,"sentiment":"neutral","sentiment_score":0.12734545518954596}],"sentiment":"neutral","sentiment_score":0.0957059946139248,"channel":0,"num_words":49,"start":198.405,"end":212.68001},{"sentences":[{"text":"Mhmm.","start":212.445,"end":212.945,"sentiment":"neutral","sentiment_score":0.08033997565507889}],"sentiment":"neutral","sentiment_score":0.08033997565507889,"channel":1,"num_words":1,"start":212.445,"end":212.945},{"sentences":[{"text":"just be more keeping that policy exactly as it is.","start":212.68001,"end":216.46,"sentiment":"neutral","sentiment_score":0.16904059574007987},{"text":"With the policy that we're applying for is income protection and trauma.","start":217.32,"end":221.34,"sentiment":"neutral","sentiment_score":0.14692819056411585},{"text":"So, essentially, income protection and we're gonna apply for that through sorry.","start":221.56,"end":228.505,"sentiment":"neutral","sentiment_score":0.08413556901117165},{"text":"I've got the page here to tell me.","start":228.505,"end":230.52501,"sentiment":"neutral","sentiment_score":-0.01053017727099359},{"text":"It's a big document.","start":232.82501,"end":233.865,"sentiment":"neutral","sentiment_score":0.004792879801243544}],"sentiment":"neutral","sentiment_score":0.0956108950726364,"channel":0,"num_words":46,"start":212.68001,"end":233.865},{"sentences":[{"text":"I do apologize, 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I","start":239.715,"end":239.955,"sentiment":"neutral","sentiment_score":0.01977626420557499}],"sentiment":"neutral","sentiment_score":0.01977626420557499,"channel":1,"num_words":2,"start":239.715,"end":239.955},{"sentences":[{"text":"Oh, 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me.","start":1567.5651,"end":1568.8451,"sentiment":"positive","sentiment_score":0.4351824273665746},{"text":"My pleasure.","start":1568.8451,"end":1569.485,"sentiment":"positive","sentiment_score":0.7031630873680115},{"text":"You have a good afternoon.","start":1569.485,"end":1570.625,"sentiment":"positive","sentiment_score":0.6547163844108581}],"sentiment":"positive","sentiment_score":0.560846358537674,"channel":0,"num_words":13,"start":1567.5651,"end":1570.625},{"sentences":[{"text":"Yep.","start":1570.3,"end":1570.8,"sentiment":"neutral","sentiment_score":0.2281067818403244},{"text":"Yep.","start":1571.02,"end":1571.26,"sentiment":"neutral","sentiment_score":0.1939898431301117},{"text":"You too.","start":1571.26,"end":1571.74,"sentiment":"neutral","sentiment_score":0.28606125712394714},{"text":"Bye bye.","start":1571.74,"end":1572.48,"sentiment":"neutral","sentiment_score":0.2632725238800049}],"sentiment":"neutral","sentiment_score":0.25346069782972336,"channel":1,"num_words":6,"start":1570.3,"end":1572.48},{"sentences":[{"text":"Thanks.","start":1572.685,"end":1573.005,"sentiment":"positive","sentiment_score":0.6251113414764404},{"text":"See you later.","start":1573.005,"end":1573.745,"sentiment":"neutral","sentiment_score":0.3127436613043149}],"sentiment":"positive","sentiment_score":0.3908355813473463,"channel":0,"num_words":4,"start":1572.685,"end":1573.745}]},"summary":{"result":"success","short":"Representatives from Okie Financial and Okie Financial discuss insurance coverage for Brenda and her family. The policy is for income protection and covers up to 70% of her monthly income in the event of a claims. The coverage is reviewed every year to ensure it is affordable and is emphasized for older individuals. The policy is also designed for mental health, depression, and major diagnosis, including cancer, Parkinson's disease, and heart attacks. The policy is approved and subject to review, and funds will be allocated to Brenda. Brenda is advised to sign and resend the application and is advised to update her contribution form."},"intents":{"segments":[{"text":"I had to book in just to go through that advice document with you. Is now still a good time?","start_word":20,"end_word":39,"intents":[{"intent":"Book advice","confidence_score":0.01659985}]},{"text":"So the abbreviated version, Brenda, to make it easy for you is, essentially, we are just going to retain Hub 24. We're going to transfer the 150,000 of life and TPD from Australian Super into Hub 24. So you keep that cover, but we pay for that at Hub 24. That allows us to then consolidate and transfer all the money from Plum Super and Australian Super into Hub 24.","start_word":262,"end_word":331,"intents":[{"intent":"Consolidate with hub 24","confidence_score":0.00016635576}]},{"text":"So we're going to apply for hang on.","start_word":393,"end_word":400,"intents":[{"intent":"Apply for job","confidence_score":0.13604094}]},{"text":"So, essentially, what we're gonna look at doing with Neos so Neos is the insurance company to apply for income protection for. That's essentially giving you up to 70% of your current income in the event that something was to happen. Now your Yep.","start_word":746,"end_word":789,"intents":[{"intent":"Apply for income protection","confidence_score":0.7701147},{"intent":"Apply for income protection","confidence_score":0.014470036}]},{"text":"Now your Yep. income that we had noted when we kinda went through the research with you, just to confirm, is about 110,000. Is that still correct? Yes.","start_word":787,"end_word":814,"intents":[{"intent":"Confirm income coverage","confidence_score":0.027606605}]},{"text":"have a waiting period of thirty days. That Okay.","start_word":903,"end_word":911,"intents":[{"intent":"Set up waiting period","confidence_score":0.001414058}]},{"text":"And because these insurance premiums come out of your super, it does essentially mean that you've, you know, you're paying more out of your super, which can, Yeah.","start_word":1028,"end_word":1055,"intents":[{"intent":"Clarify insurance premiums","confidence_score":0.012509273}]},{"text":"you know, reduce how much you have at the end in your at your retirement years. Does that Yeah.","start_word":1057,"end_word":1075,"intents":[{"intent":"Reduce retirement age","confidence_score":0.4642098},{"intent":"Increase coverage","confidence_score":0.016682534}]},{"text":"But, essentially, having the income protection means that you've got that benefit to cover you in the event that something happens if you're unable to go to work.","start_word":1154,"end_word":1181,"intents":[{"intent":"Review income protection","confidence_score":0.49489418}]},{"text":"So this kind of this income protection gives you that level of cover. We will review that every year because the expected premium for this cover is 2,120 and 91<unk> from your super fund, So for the first year, so it isn't cheap insurance cover. And we it does get more expensive the older you get because the older you get, the more likely you are to claim on the insurances.","start_word":1216,"end_word":1286,"intents":[{"intent":"Provide insurance coverage","confidence_score":0.0020607065}]},{"text":"Because I know where we went the income and, you know, with that real insurance because I know we were gonna talk about that another time just to see, Yes.","start_word":1413,"end_word":1442,"intents":[{"intent":"Discuss finances","confidence_score":0.0043656137}]},{"text":"Because I know where we went the income and, you know, with that real insurance because I know we were gonna talk about that another time just to see, Yes. you know, like, because I was always I don't know. I know my kids are not that financially savvy at the moment to understand what their real insurance stuff is, you know, for life and funeral. That's why I keep it. Yeah.","start_word":1413,"end_word":1484,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.08061185}]},{"text":"you know, me paying monthly monthly installments now, it's just yeah. It says there's a lot of holes in my pocket now.","start_word":1507,"end_word":1528,"intents":[{"intent":"Discuss monthly payments","confidence_score":0.04773446}]},{"text":"you divide do you work out do you take your monthly income that you receive in your bank account and maybe divide that by four and then transfer a little bit of money into a savings account and transfer what you need back each week?","start_word":1746,"end_word":1790,"intents":[{"intent":"Divide monthly income","confidence_score":0.26185006},{"intent":"Transfer money","confidence_score":0.2466703}]},{"text":"Or I've just asked all my direct creditors debits to come out on the fifteenth for you know, that covers me for the monthly installments. Yep.","start_word":1836,"end_word":1861,"intents":[{"intent":"Ask for monthly installments","confidence_score":0.053419042}]},{"text":"will Because give you how much you have left over per week and try to keep yourself within that budget range. Does that make sense?","start_word":1990,"end_word":2014,"intents":[{"intent":"Maintain budget","confidence_score":0.027429555}]},{"text":"I need that instilled in my brain because The it's and, like look, I was this gonna is go not and get, easy. like, Woolworth Yeah.","start_word":2017,"end_word":2042,"intents":[{"intent":"Instil into mind","confidence_score":0.021875368}]},{"text":"I'm gonna put all my bill money in this account for all the bills to come out this month.","start_word":2106,"end_word":2124,"intents":[{"intent":"Divide bills","confidence_score":0.10104203}]},{"text":"What's left over in this account divided by four so you know how much you're able to spend per week, and then you can kind of break down what you need to spend, how much you need for the food, how much you need, what you have left over.","start_word":2130,"end_word":2178,"intents":[{"intent":"Discuss spending schedule","confidence_score":0.00031833546}]},{"text":"It's hard to start with, but the more you do it, the more it becomes a habit, and that's how budgeting becomes easier for you. Does that make sense?","start_word":2223,"end_word":2251,"intents":[{"intent":"Clarify budgeting","confidence_score":0.0014128429}]},{"text":"I was trying to think of my head around it and it's like but it's there and it's like, oh, now because I've, you know, just not even have any money right now. I still got, like, another two, three weeks left till I get paid.","start_word":2255,"end_word":2300,"intents":[{"intent":"Remind about financial situation","confidence_score":0.0000050672875}]},{"text":"So this is the part and, look, you don't have to take the trauma recommendation, but I sort of said I'd show you what this looks like and how much is expected to cost, and then you can decide whether your budget allows that or whether you're not wanting trauma right now, and we get it down the track. Okay?","start_word":2702,"end_word":2761,"intents":[{"intent":"Define budget","confidence_score":0.007366207}]},{"text":"They give you what's called a multi policy discount. So it actually makes the policy cheaper. It means that if you were diagnosed with, say, a major medical condition, you could claim the 110,000 of trauma cover, give you one year's worth of income to support you and go through rehabilitation, things like that.","start_word":2812,"end_word":2865,"intents":[{"intent":"Explain policy benefits","confidence_score":0.026741995}]},{"text":"But, honestly, look with the rest of the recommendations there with the retaining hub twenty four, we do an investment switch in there, put you in a portfolio that's performing better than the current one. Mhmm.","start_word":3144,"end_word":3179,"intents":[{"intent":"Obtain recommendations","confidence_score":0.00065516424}]},{"text":"We roll everything from Australian super and plum super over to hub twenty four. So instead of three super funds, you only have one. The income protection we apply for is paid for out of your hub twenty four super and the one fifty of life and TPD that you currently have in Australian super will also be paid out of hub twenty four, so we can transfer that over to make it easier Mhmm.","start_word":3179,"end_word":3253,"intents":[{"intent":"Transfer funds","confidence_score":0.12874897}]},{"text":"So we do have to go through an application form to apply for the income protection.","start_word":3357,"end_word":3372,"intents":[{"intent":"Apply for income protection","confidence_score":0.07331627}]},{"text":"You just go to the application. It goes to the underwriters. They will may request doctor's reports and things like that just to assess your health to make sure the terms are okay to, you know, to put in place for you. And if anything comes out medical wise, there could be excluded exclusions or loadings on the policy, but we just have to wait and see what comes out in the application. Does that make sense? Do you have questions? Yes.","start_word":3405,"end_word":3486,"intents":[{"intent":"Understand application process","confidence_score":0.14264628}]},{"text":"Do you have questions? Yes.","start_word":3482,"end_word":3486,"intents":[{"intent":"Ask questions","confidence_score":0.027222414}]},{"text":"If you like what I if you're comfortable, you don't wanna take the trauma recommendation. I'm happy if you want me to just to make a note on the system here that you're happy with the advice that you don't wanna take on the trauma recommendation. Is that accurate?","start_word":3862,"end_word":3910,"intents":[{"intent":"Evaluate trauma recommendations","confidence_score":0.011128695}]},{"text":"Now I know with the cash flow and budgeting side of things, we did kind of do a really big advice case, and it was a little bit complex for you. Are you wanting me to maybe just give you some guidance on a regular basis with regard to how your bills are going and Yeah.","start_word":4253,"end_word":4308,"intents":[{"intent":"Discuss finances","confidence_score":0.06912638}]},{"text":"sort of Because talk you through it? it Yep.","start_word":4311,"end_word":4319,"intents":[{"intent":"Talk through issue","confidence_score":0.002848391}]},{"text":"Well, So I can just give you guidance if you like that way.","start_word":4416,"end_word":4428,"intents":[{"intent":"Give guidance","confidence_score":0.086913526}]},{"text":"What I'm gonna do, Brenda, is I'm just going to update that electronic document.","start_word":4526,"end_word":4539,"intents":[{"intent":"Update electronic document","confidence_score":0.29780623},{"intent":"Update and sign document","confidence_score":0.00004496645}]},{"text":"So probably next week, the funds will be allocated to me. Yep.","start_word":4667,"end_word":4678,"intents":[{"intent":"Align funds","confidence_score":0.0022139573}]},{"text":"Well, that's why I'm confused because I'm sure that I did have 24 when but then I see plumb there. So plumb is Okay.","start_word":4748,"end_word":4771,"intents":[{"intent":"Resolve confusion","confidence_score":0.00091050053}]},{"text":"What we'll do is I will also get the team probably tomorrow to email you the contributions form. You can hand that to your employer and get them to change that on your payslip. Okay? Okay.","start_word":4809,"end_word":4844,"intents":[{"intent":"Hand to team","confidence_score":0.109297566}]},{"text":"I want my contributions to go into this fund, and they'll be able to update it on their end nice and easy for you. Yep.","start_word":4957,"end_word":4981,"intents":[{"intent":"Update contributions","confidence_score":0.3170287}]},{"text":"the meantime, I'll just update this, Odoo sign for you and resend it through this afternoon so it's at the top of your email.","start_word":5066,"end_word":5089,"intents":[{"intent":"Assist with resending and resending","confidence_score":0.00045326672},{"intent":"Update sign","confidence_score":0.00052129483}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Brenda. It's Dana from Okie Financial.","start_word":0,"end_word":7,"sentiment":"neutral","sentiment_score":0.20359143614768985},{"text":"How are you this afternoon? I'm good. Yourself, Dana? I'm very well.","start_word":8,"end_word":19,"sentiment":"positive","sentiment_score":0.5487163662910461},{"text":"I had to book in just to go through that advice document with you. Is now still a good time? Yes. I did read it. Read through it yesterday. So did you just wanna go page by page, or do you want me just to go yes yes yes or whatever? Because I don't No. That's okay. yeah. What I'll do is I'll give you the abbreviated outline of essentially what the recommendations are. And then if you've had a bit of a look through it, you can ask me questions, and we can kind of talk it through. Does that sound okay? Mhmm. And Yeah. how Beautiful. long to sorry. How long does the meeting go for? Oh, literally, Ernie, I can make this about five or ten minutes or shorter if you need me to. Yeah. Ten fifteen would be good. No. All good, Brenda. Look. Before I jump into the call and go through, I do have to let you know we do record our calls for quality and training purposes. Are you happy with that and happy for me to proceed with that? Yes.","start_word":20,"end_word":207,"sentiment":"neutral","sentiment_score":0.10809432715177536},{"text":"Beautiful.","start_word":208,"end_word":208,"sentiment":"positive","sentiment_score":0.43519049882888794},{"text":"And I just have to do security as with you as well with you just for you to confirm your full name, your date of birth, and address that I should have on file. Yep. Brenda Lee Kelly, May 22 Fantastic. 1034, Cringle Court, Penny Bay, Northern Territory.","start_word":209,"end_word":256,"sentiment":"neutral","sentiment_score":0.14879052340984344},{"text":"Fantastic. Thank you so much.","start_word":257,"end_word":261,"sentiment":"positive","sentiment_score":0.6625964045524597},{"text":"So the abbreviated version, Brenda, to make it easy for you is, essentially, we are just going to retain Hub 24. We're going to transfer the 150,000 of life and TPD from Australian Super into Hub 24. So you keep that cover, but we pay for that at Hub 24. That allows us to then consolidate and transfer all the money from Plum Super and Australian Super into Hub 24. We'll make sure your contributions go in the hub twenty four. You have an investment switch in there, and that still leaves you with the with your insurance line policy exactly as it is with no changes. Okay? And then the other thing that you talked about wanting to do was trying to get some income protection and some trauma insurance. So we're going to apply for hang on. Sorry.","start_word":262,"end_word":401,"sentiment":"neutral","sentiment_score":0.14841432262744222},{"text":"My computer's just frozen on me.","start_word":402,"end_word":407,"sentiment":"negative","sentiment_score":-0.45446422696113586},{"text":"I have to scroll down the page. I do apologize. Yeah. Because I've seen all the stuff. Like like, I understand the one where we're gonna roll all of my supers into Yes. Hub 24 because it says, you know, I'm paying administration fees here and there. Yes. Yep. And that works Yes. out good. And then I did see the insurance part Yes. where I think we were discussing another company, but then you it said something that I did not agree with that or something in one of the pages or your recommendation and Brenda wasn't ready or something like that I said I was reading. So that was we're looking at the do you remember what page that was on? Sorry. I don't even have the book on me. That's I had okay. it at home.","start_word":408,"end_word":546,"sentiment":"neutral","sentiment_score":-0.07292158156633377},{"text":"You're absolutely fine. You're absolutely fine.","start_word":547,"end_word":552,"sentiment":"positive","sentiment_score":0.35527729988098145},{"text":"So, essentially, with the the reason we're retaining the life and TPD within Australian Super and just transferring that to hub twenty four is that so you keep that same level of cover because you Mhmm. do also have the additional life policy with insurance line. We are retaining insurance line because you didn't wanna look at altering that in any way, shape, or form. You weren't ready to look at other options. You just wanted to keep that policy as is. So it might Mhmm. just be more keeping that policy exactly as it is. With the policy that we're applying for is income protection and trauma. So, essentially, income protection and we're gonna apply for that through sorry. I've got the page here to tell me. It's a big document. I do apologize, Brenda. No. That's why I was reading all yesterday. I'm like, wow. Like no. It was very thorough. Like, I Oh, good. yeah.","start_word":553,"end_word":710,"sentiment":"neutral","sentiment_score":0.08136051534851894},{"text":"So Good.","start_word":711,"end_word":712,"sentiment":"positive","sentiment_score":0.4550630748271942},{"text":"I did yeah. And I did understand it. That's why like, oh my gosh. Yeah. I should've brought the book up with me now.","start_word":713,"end_word":736,"sentiment":"neutral","sentiment_score":0.12502507865428925},{"text":"That's okay. You're absolutely Just to get you fine.","start_word":737,"end_word":745,"sentiment":"positive","sentiment_score":0.3718019723892212},{"text":"So, essentially, what we're gonna look at doing with Neos so Neos is the insurance company to apply for income protection for. That's essentially giving you up to 70% of your current income in the event that something was to happen. Now your Yep. income that we had noted when we kinda went through the research with you, just to confirm, is about 110,000. Is that still correct? Yes. Yep.","start_word":746,"end_word":815,"sentiment":"neutral","sentiment_score":0.11835739761590958},{"text":"Fantastic.","start_word":816,"end_word":816,"sentiment":"positive","sentiment_score":0.5898056030273438},{"text":"So, essentially, to make sure you're covered for that, because one of the things we talked about was that you don't have a partner. You've got some kids, but you still in the event that something happens if you're off work, you need to be able to cover your, you know, your rent and all your expenses and things like that. So we're gonna apply for with Neos Insurance Company, a monthly benefit of 6,416 that covers up to 70% of your monthly income. We Mhmm. have a waiting period of thirty days. That Okay. essentially means that you have to be off work for thirty days prior to making a claim, and then you can be on a claim for two years. So the benefit period of two years means that if you're on an income protection claim, you can be on it for two years. If at the end of that two year period, you still can't go back to work, your injury continues, it means the claim stops. But this kind of benefit and waiting period makes the policy a bit cheaper. If you wanted to extend the waiting period and, say, have a five year benefit period or up to age 65, it's gonna cost you more. And because these insurance premiums come out of your super, it does essentially mean that you've, you know, you're paying more out of your super, which can, Yeah. you know, reduce how much you have at the end in your at your retirement years. Does that Yeah. make I'm sense? just thinking how I must have wanna be you know, when I told you what I did want at the beginning, you know, when I do reach that retirement age, I do wanna have that amount. But if Yeah. it's we're kinda getting sucked up with all insurances and stuff, it's like, what am I gonna do? Absolutely. And the Work important until thing, I'm 70. like, having well, we definitely don't want that for you. But, essentially, having the income protection means that you've got that benefit to cover you in the event that something happens if you're unable to go to work. Because you and I sort of talked about if you were off work due to illness or injury, like, you broke your back and couldn't go into work, how would you pay your bills? So this kind of this income protection gives you that level of cover. We will review that every year because the expected premium for this cover is 2,120 and 91<unk> from your super fund, So for the first year, so it isn't cheap insurance cover. And we it does get more expensive the older you get because the older you get, the more likely you are to claim on the insurances. So, essentially, we do wanna review that every year. If your income decreases, we'll try to decrease the cover to make it cheaper. If your income increases, we'll see what else we can do to, you know, not have to keep increasing it and costing more, but we just wanna review that every year with you to make sure that cover remains in line with what you need, but that you're not eating away all your super. Because you are working hard. Yes. You want your super.","start_word":817,"end_word":1374,"sentiment":"neutral","sentiment_score":-0.0030382039679688363},{"text":"You wanna have something at retirement, so it's completely understandable.","start_word":1375,"end_word":1384,"sentiment":"positive","sentiment_score":0.3373182415962219},{"text":"Okay. Yep.","start_word":1385,"end_word":1386,"sentiment":"neutral","sentiment_score":0.2151266187429428},{"text":"Beautiful.","start_word":1387,"end_word":1387,"sentiment":"positive","sentiment_score":0.47054368257522583},{"text":"Now does that make sense? Do you have any questions so far? Nope. No? Nope. Excellent. That's it. No. Like, I think it was yeah. Because I know where we went the income and, you know, with that real insurance because I know we were gonna talk about that another time just to see, Yes. you know, like, because I was always I don't know. I know my kids are not that financially savvy at the moment to understand what their real insurance stuff is, you know, for life and funeral. That's why I keep it. Yeah. Yeah. But eventually, yeah, like, I wouldn't mind going to a cheaper one because the premiums have just gone up again. And, Yes. you know, me paying monthly monthly installments now, it's just yeah. It says there's a lot of holes in my pocket now. Absolutely. Yeah. Completely understand. No. Definitely. So that's essentially where that is. And, yeah, that's I've just gone back through to have a look, and, yeah, it the section you put up before is about the retaining of the insurance line. You didn't wanna review that. You wanted to keep it as of the moment because it's important.","start_word":1388,"end_word":1586,"sentiment":"neutral","sentiment_score":0.00888499689882799},{"text":"You've got your life covered there. You've also got the funeral benefit for yourself and also your kids.","start_word":1587,"end_word":1604,"sentiment":"positive","sentiment_score":0.3809720277786255},{"text":"You're adding that protection there to make sure that if anything happens, you can cover the cost of the funeral for them. Mhmm. When we did sort of talk about we'll look at that down the track when you are able to, when you're more comfortable with it, and see if we can maybe decrease the amount or see what Yeah. you need Because to be covered I'm or look at what we can do. Yeah. yeah. Because I'm just trying to get my head around this monthly shower.","start_word":1605,"end_word":1693,"sentiment":"neutral","sentiment_score":0.04504654183983803},{"text":"It's still it's just A it's bit difficult. just horrible. Yeah. Absolutely. It's horrible because I'm just trying to learn how to pay bills and budget and live off whatever I can for three weeks or four weeks before the next pay pay cycle.","start_word":1694,"end_word":1737,"sentiment":"negative","sentiment_score":-0.4720323979854584},{"text":"Yeah. Yeah.","start_word":1738,"end_word":1739,"sentiment":"neutral","sentiment_score":-0.30808818340301514},{"text":"Yeah. It's not Do good.","start_word":1740,"end_word":1744,"sentiment":"negative","sentiment_score":-0.5810408592224121},{"text":"you divide do you work out do you take your monthly income that you receive in your bank account and maybe divide that by four and then transfer a little bit of money into a savings account and transfer what you need back each week? Have you tried doing that? No. I don't know that part. Sorry. Because Because I've just you been whatever I've done with tallying up all my bills, yeah. I've left them in that one account, and then I've kept whatever's left over in another account. Mhmm. Or I've just asked all my direct creditors debits to come out on the fifteenth for you know, that covers me for the monthly installments. Yep. Yeah. So it's just I don't know. A bit Just difficult. stressing me out Yeah. at the moment. Yeah. Because realistically, essentially, because you are only getting paid once a month, it is realistically easier to lose that money quickly or to spend that money quickly. So if you Yeah. are just having Yeah. everything paid on a monthly basis, you've got that money sitting there that covers all of your debts, and that's absolutely fine. With the rest of the money left over in that separate account, look at the amount that you have for that month and divide that by four, and And that divide will give it you by a four. limit of how yeah. So four weeks in a month, essentially. And that Yeah. will Because give you how much you have left over per week and try to keep yourself within that budget range. Does that make sense? yeah. Yeah. I need that instilled in my brain because The it's and, like look, I was this gonna is go not and get, easy. like, Woolworth Yeah. Woolworths gift cards. So it's, like, a 100, a 100, a 100, a 100, like, you know, Yep. for my food for the month. You know? Yep. And, look, it's not easy, but these are little things that become habits. So starting off small, and if you sort of build these habits, so if you say, right. This month, I'll start doing this. I'm gonna put all my bill money in this account for all the bills to come out this month. That's how much is there. What's left over in this account divided by four so you know how much you're able to spend per week, and then you can kind of break down what you need to spend, how much you need for the food, how much you need, what you have left over. Can I get my haircut this week? No. I'll do it next week. And just kind of break things down to a weekly amount and try to sort of not so much do it all in one day, but sort of schedule it out.","start_word":1745,"end_word":2222,"sentiment":"neutral","sentiment_score":0.07343866033128864},{"text":"It's hard to start with, but the more you do it, the more it becomes a habit, and that's how budgeting becomes easier for you.","start_word":2223,"end_word":2247,"sentiment":"positive","sentiment_score":0.34601297974586487},{"text":"Does that make sense? Yeah. Because Yeah. I was trying to think of my head around it and it's like but it's there and it's like, oh, now because I've, you know, just not even have any money right now. I still got, like, another two, three weeks left till I get paid. Yeah. Like, oh my gosh. I just because, you know, yeah, I paid all my bills and the next minute oh, yeah. I can go and pay with this money now.","start_word":2248,"end_word":2331,"sentiment":"neutral","sentiment_score":-0.15668965876102448},{"text":"And it's like, oh, fuck. Yeah. I put no money.","start_word":2332,"end_word":2341,"sentiment":"negative","sentiment_score":-0.4649763703346253},{"text":"Yeah. Yeah. And I it's don't just know what to just do. about just about breaking down those habits. And you're doing the right thing by separating your bill money from the rest of it.","start_word":2342,"end_word":2376,"sentiment":"neutral","sentiment_score":0.07196103781461716},{"text":"That way, you've got all your bills covered. That's not a worry.","start_word":2377,"end_word":2388,"sentiment":"positive","sentiment_score":0.43108081817626953},{"text":"But then sort of working out what you have left over and trying to break it down and live within what you have per week. And Yep. that's the hard part. It's by no means easy.","start_word":2389,"end_word":2424,"sentiment":"neutral","sentiment_score":0.0671285092830658},{"text":"It does take time to kind of train your brain because you see a nice lump sum of money, and then you go, cool. I wanna do this. I can do that.","start_word":2425,"end_word":2456,"sentiment":"positive","sentiment_score":0.5310284495353699},{"text":"I have this money here, but then you get to next week and get, oh, I probably should have kept that for this week. So just sort of breaking it down, looking at it as a weekly amount, and making sure that you allocate enough per per week to whatever you have, food or, you know, if you wanna go buy a bottle of wine at the end of the week or if you wanna go out and have a night at you, just kinda allocate a little bit of money from that weekly allowance. And the more you do it, the easier it becomes, but it is hard to begin with. I will be a 100% Yep. honest with you. Okay? Yeah. Yeah. No. It is. It's like Yeah. because, you know, I don't have my second job anymore, and the salary sacrifice is kicking in next fortnight. Finally, after Yeah. freaking five months and being in my new job. So it was very hard and, you know, I haven't even serviced my car, Yeah. tires. Yeah. Like, it's just been trying to pay Peter from Paul again. And since I did my second job, no luck. Yeah. Absolutely. And that's the next thing I wanted to sort of talk to you about was we talked about trauma. Do you remember us talking about the other type of insurance cover trauma and how that's an out of pocket expense and what that covers. Yes. So this is the part and, look, you don't have to take the trauma recommendation, but I sort of said I'd show you what this looks like and how much is expected to cost, and then you can decide whether your budget allows that or whether you're not wanting trauma right now, and we get it down the track. Okay? Yep. Okay. But the trauma recommendation in here is for a 110,000. It's essentially based on one year's worth of income for you. We've linked it to a bit of life, and that is because linking the trauma to the same amount of life cover actually makes the policy cheaper.","start_word":2457,"end_word":2811,"sentiment":"neutral","sentiment_score":0.011279343698226233},{"text":"They give you what's called a multi policy discount. So it actually makes the policy cheaper.","start_word":2812,"end_word":2827,"sentiment":"positive","sentiment_score":0.4618880152702331},{"text":"It means that if you were diagnosed with, say, a major medical condition, you could claim the 110,000 of trauma cover, give you one year's worth of income to support you and go through rehabilitation, things like that. However, the monthly premium is about a $147.86. So it does come down to whether you can afford that premium on a year on a monthly basis.","start_word":2828,"end_word":2892,"sentiment":"neutral","sentiment_score":0.18341264128685},{"text":"Unfortunately, given your age, insurances are a lot more expensive, and a $147 is a lot on a monthly basis to pay for the the premium for an out of pocket insurance cover.","start_word":2893,"end_word":2925,"sentiment":"negative","sentiment_score":-0.43791916966438293},{"text":"Okay? Yeah. And where would that come out? Would that come out of my super? Where would that Note it'll come that out of my pocket directly. the trauma has to come out of your pocket directly. Yes. So with the income protection, that is a super policy, the same as with your life and TBD. The $1.50 amount, that can all come out of your super. But trauma, they can't take out of super. They used to, but they don't allow that anymore because, unfortunately, it doesn't meet a condition of release. So that $1.47 would have to come out of your back pocket, and, understandably, with everything else you've got to pay, it could add a little bit more stress to you. But I wanted to just show you the cost of this and the recommendation and let you decide whether you wanted to take that on or whether you were just happy to leave that for the time being. Okay? I believe it for the next conversation.","start_word":2926,"end_word":3095,"sentiment":"neutral","sentiment_score":-0.06969674676656723},{"text":"That's absolutely fine.","start_word":3096,"end_word":3098,"sentiment":"positive","sentiment_score":0.3979613780975342},{"text":"It's not Yeah.","start_word":3099,"end_word":3101,"sentiment":"neutral","sentiment_score":0.03432133048772812},{"text":"a problem I can't at even all. get my head around just budgeting right now with this with this monthly thing.","start_word":3102,"end_word":3122,"sentiment":"negative","sentiment_score":-0.38248199224472046},{"text":"So Yeah. it's just probably another two months down the track. I reckon we'll tackle that. Yeah.","start_word":3123,"end_word":3139,"sentiment":"neutral","sentiment_score":-0.08886770904064178},{"text":"That's absolutely fine. But, honestly, look with the rest of the recommendations there with the retaining hub twenty four, we do an investment switch in there, put you in a portfolio that's performing better than the current one.","start_word":3140,"end_word":3177,"sentiment":"positive","sentiment_score":0.3757385391938059},{"text":"Mhmm. We roll everything from Australian super and plum super over to hub twenty four. So instead of three super funds, you only have one. The income protection we apply for is paid for out of your hub twenty four super and the one fifty of life and TPD that you currently have in Australian super will also be paid out of hub twenty four, so we can transfer that over to make it easier Mhmm. on you. The only thing I noted was in your preassessments that you do have essentially it doesn't look like the income protection is expecting any kind of loadings or exclusions. However, with your preassessments that you had sort of noticed or noted that there had been a bit of an issue with some, you know, pap smears and things in the past. So on any kind of insurances, they will request doctor's reports to assess for, like, a cervical cancer exclusion. It's not expected on the income protection based on our pre assessments, but they will go through health checks with you. So we do have to go through an application form to apply for the income protection.","start_word":3178,"end_word":3372,"sentiment":"neutral","sentiment_score":0.02365092746913433},{"text":"My colleague, Jeff, does that with you, or if you prefer to go do it with one of the girls, absolutely fine.","start_word":3373,"end_word":3394,"sentiment":"positive","sentiment_score":0.339347243309021},{"text":"I can get Samantha to do it with you. Yep. You just go to the application. It goes to the underwriters. They will may request doctor's reports and things like that just to assess your health to make sure the terms are okay to, you know, to put in place for you. And if anything comes out medical wise, there could be excluded exclusions or loadings on the policy, but we just have to wait and see what comes out in the application. Does that make sense? Do you have questions? Yes. Nope. Nope. That's all understandable. I wanted to make it as easy as possible for you, but at the same time, there is a lot to kinda go through. It's, you know, a little bit of a complex advice piece. So I wanted to make sure you understood all that. But it is really important that we try to get things moving and in place for you because you've got the three funds.","start_word":3395,"end_word":3559,"sentiment":"neutral","sentiment_score":0.10084994286298753},{"text":"You've definitely got a, you know, a a an investment that, well, has been doing very well, could definitely be doing better for you.","start_word":3560,"end_word":3583,"sentiment":"positive","sentiment_score":0.5766404271125793},{"text":"And, realistically, the newer investment portfolio that we wanna put you into Front is actually door. cheaper, Straight so there. That it saves slide you in door opens fees. up. Yep. Just there. Yeah. No. That's Sorry, right. Yeah. Brenda. It was great if the slide's Yeah. open. Yeah. Because I wanted to also let you know that, you know, because I've got major dental work needed on my teeth, Yes. and I have tapped into My Australian Super to pay for that. So that Okay. is approved as of yesterday, and so there's $6,000 coming out of My Australian Super. Okay. No worries. So we did have about 22,000 in there now, so it'll just be about 6,000 less. Yep. Yeah. Yep. Because That's okay. I'm needing We have my an authority major on dental that one. work because it's, like, root canals and I'm freaking it's just been in I've been in so much pain, and I can't afford it. So I've tapped into Oh, my super absolutely. and it's been approved. That's okay. That's not a problem at all. We have an authority on file for Australian Super. So we'll wait for that money to come out, and then we'll sort of do the rollovers and things like that if you decide Yep. to take on the advice. Yep. If you are happy to take the advice, please, and you're welcome to run your eyes back over it again and let me know if there's any additional questions that come out of it. Yep. But we've got the electronic version that we sent to you. We just get you to sign and return that back. If you like what I if you're comfortable, you don't wanna take the trauma recommendation.","start_word":3584,"end_word":3876,"sentiment":"neutral","sentiment_score":0.10333982501306124},{"text":"I'm happy if you want me to just to make a note on the system here that you're happy with the advice that you don't wanna take on the trauma recommendation.","start_word":3877,"end_word":3907,"sentiment":"positive","sentiment_score":0.4880317747592926},{"text":"Is that accurate? Yeah. That's right. Not for not right now. Because I wanna Yep. just read up a bit more of what it includes, the Yeah. That's sexual fine. trauma policy. You know, what Yep. That's what fine. does it include, like like, you know, mental health Yeah. or depression or No. you know, what does that trauma actually explain So trauma it? What trauma yeah. doesn't really cover those sorts of things. Trauma covers you for a major diagnosis, so things like cancer, things like Parkinson's disease. It's a major diagnosis. So things like mental health, back problems, that's all covered under income protection. Oh, okay. And Yep. you can claim depending on the extent of mental health so long as there's no exclusions and things like that. You can also claim TPD for mental health as well. So if you're unable to ever go back to work again, your mental health is that bad, you've suffered very terribly, your doctor's home, we can't, you know, get you back to work in any capacity, then PPD has also been claimed for there. But trauma is only a major diagnosis. Cancer is the biggest one. I've seen people claim for Parkinson's, other neurological disorders, heart attacks, and strokes. So that's what trauma tends to cover you for. Okay? Okay. Yep. Yep. Yeah. I will leave that there. Let that just sit on the side for a couple months because I just got yeah. Yep. I don't A lot have of bills. that extra money right now No. until That's I sort absolutely my fine. budgeting out. When you can help me sort that out, then I can actually go to something else. Yeah. And, look, Yeah. honestly, Because that's absolutely fine, and that's why I thought you'd kinda go with that one, but we would like to look when we sorta had that conversation back earlier this year, we said, let's just put on paper so you can see what it looks like, and then you get to decide how you feel about that. Now I know with the cash flow and budgeting side of things, we did kind of do a really big advice case, and it was a little bit complex for you. Are you wanting me to maybe just give you some guidance on a regular basis with regard to how your bills are going and Yeah. just Please. sort of Because talk you through it? it Yep. seems like I'm not like, you know, we've had this discussion last financial year, and I'm like, oh my gosh. Yeah. Get the get your shit together. You know? Like, it's like, That's I wanna okay. do it now. Like, I wanna Yep. actually, you know, move forward, get in Yep. a stable position, you know, and actually knuckle down. Like, you know, I said that before that I, you know, still wanted to have my entertainment, but if it's gonna cost something that's unaffordable, Yep. well, I've Yep. gotta bite the bullet. No. It's okay. Well, So I can just give you guidance if you like that way. It's not a really big advice piece. It's not a lot of paper like this is. It's just us having a conversation. You letting so we know how things are going, and we can maybe just talk through what the next step might be or how you could, you know, maybe do it a little bit better or, you know, what you might need to do. And we can just talk it through, and I can provide you some guidance that way every few months. Does that sound okay with you? Yep. Yep.","start_word":3908,"end_word":4521,"sentiment":"neutral","sentiment_score":-0.007008452211121395},{"text":"Beautiful. All good.","start_word":4522,"end_word":4524,"sentiment":"positive","sentiment_score":0.6207937598228455},{"text":"What I'm gonna do, Brenda, is I'm just going to update that electronic document. On the very last page, I'm gonna put a note that says that you do not wish to proceed with the trauma recommendation. That will be resent to you. Once that comes through, if you're happy to then take on the rest of the advice, I'll get you to sign and send it back to us.","start_word":4525,"end_word":4594,"sentiment":"neutral","sentiment_score":0.053514912724494934},{"text":"That way we can start to implement it for you.","start_word":4595,"end_word":4604,"sentiment":"positive","sentiment_score":0.34735798835754395},{"text":"I'll make a note that you are taking that money out of AustralianSuper, so no one is to implement anything until that that withdrawal has come out of Australian Super. And then we can go ahead and start implementing it, rolling things over, and getting you sorted. Okay? Does Yeah. that sound Because alright with you? I think it said five days. So probably next week, the funds will be allocated to me. Yep. So I don't wanna Beautiful. stop that process or affect No. that just yet, like and then you can actually Absolutely roll it not. all over after that. Yeah.","start_word":4605,"end_word":4707,"sentiment":"neutral","sentiment_score":0.024882497265934944},{"text":"That's that's absolutely fine. That's not a problem at all.","start_word":4708,"end_word":4717,"sentiment":"positive","sentiment_score":0.3665774464607239},{"text":"And with your employer contributions, did you your new employer I'm just double checking. Did you give them which which super fund did you give them for your employer contributions? Well, that's why I'm confused because I'm sure that I did have 24 when but then I see plumb there. So plumb is Okay. Let yeah. me have a quick look for you. Let me have a look. So, yeah, they're not coming into hub. Yeah. Are It they? looks like they might be going into plumb sleeper, but that's okay. What we'll do is I will also get the team probably tomorrow to email you the contributions form. You can hand that to your employer and get them to change that on your payslip. Okay? Okay. Yep. How much Beautiful. was that again? Was that $50? The contributions or Yeah. Well, I can't see because it's a new employer. I can't see you have I can only see your last employer's contributions that were were Yeah. Well, that was from NTG, wasn't it? Or coming in. Yeah. It is. Yeah. Yeah. So I'd have to have a look in the plum, so if you could see what's going in there, but we'll just set the contributions form for you for hub twenty four. The girls will email it to you, and you can either hand it or email it to your payroll and just say, hey. Update everything. I want my contributions to go into this fund, and they'll be able to update it on their end nice and easy for you. Yep. Okay?","start_word":4718,"end_word":4982,"sentiment":"neutral","sentiment_score":0.02375975082505424},{"text":"Sounds good. Yeah. Beautiful.","start_word":4983,"end_word":4986,"sentiment":"positive","sentiment_score":0.41388848423957825},{"text":"Yeah. Because I because it just went out of whack to say I over I I overspent and my bills and now I'm in arrears and now I'm up shit creek again. Yeah. So No. That's that's alright. Understandable. I'll figure that part Yeah. out. Yeah. That's okay. I'll guide you. You'll have me here. You can call me or text me or email me whenever you need, and I'll make time to guide you through it. In Yep. the meantime, I'll just update this, Odoo sign for you and resend it through this afternoon so it's at the top of your email. And when you see the last page where it's got the signing box, you'll see I put a little note there saying that you don't wish to proceed with the trauma recommendation, and I'll note in there that we're holding off on any rollovers from Australian Super until your Compassionate Grounds release of 6,000 has been withdrawn Yep. just Yep. so we have that as a record so you can see that before you sign it. Okay? Yep.","start_word":4987,"end_word":5167,"sentiment":"neutral","sentiment_score":-0.023119982331991196},{"text":"Sounds good, Dana. Beautiful.","start_word":5168,"end_word":5171,"sentiment":"positive","sentiment_score":0.47709670662879944},{"text":"If you do have any more questions, let me know.","start_word":5172,"end_word":5181,"sentiment":"neutral","sentiment_score":0.26665163040161133},{"text":"But look, I'm glad we're moving things along for you.","start_word":5182,"end_word":5191,"sentiment":"positive","sentiment_score":0.5852025747299194},{"text":"I'll be Yeah. here It to sounds help you. like I a promise.","start_word":5192,"end_word":5204,"sentiment":"neutral","sentiment_score":0.2093439125097715},{"text":"great sounds like a great plan. I'm I'm ready. I'm ready. I've got you, Brenda. Thank you. I'm ready now.","start_word":5205,"end_word":5224,"sentiment":"positive","sentiment_score":0.5893154144287109},{"text":"No My more bouncing around because I'm gonna be 50 next year, and I'm like, get this You shit are. together. Oh, I'll I will help you. I promise. But, look, we'll get this started.","start_word":5225,"end_word":5259,"sentiment":"neutral","sentiment_score":0.09380991011857986},{"text":"You have a good afternoon, and let Yep.","start_word":5260,"end_word":5267,"sentiment":"positive","sentiment_score":0.44497615098953247},{"text":"me know if there's any questions. And yeah. Okay. Sign that document Thank when you.","start_word":5268,"end_word":5282,"sentiment":"neutral","sentiment_score":0.2304291725158691},{"text":"it comes back through for me. My pleasure. You have a good afternoon.","start_word":5283,"end_word":5295,"sentiment":"positive","sentiment_score":0.5686133503913879},{"text":"Yep. Yep. You too. Bye bye.","start_word":5296,"end_word":5301,"sentiment":"neutral","sentiment_score":0.2479981780052185},{"text":"Thanks. See you later.","start_word":5302,"end_word":5305,"sentiment":"positive","sentiment_score":0.563984751701355}],"average":{"sentiment":"neutral","sentiment_score":0.05324192339989106}}}}