{"metadata":{"transaction_key":"deprecated","request_id":"019e2483-8ec1-70b0-8a01-073b9cb75e76","sha256":"b55828e8c242762f81a9626ec84c7a517c24ced0865f3227290d6c6d2f353e25","created":"2026-05-14T03:24:24.107Z","duration":1188.5039,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4781,"output_tokens":115},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5376,"output_tokens":5387},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5376,"output_tokens":456}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Ben. My name is Larissa from O2 Financial. How are you going? Really good. Thank you. Have I got you at a really good time? No. Perfect. Well, before I jump into it, do need to let you know our calls are recorded if that's okay? Is that a bit better? Okay. Let me know if it drops out or it becomes unclear at all. Amazing. Before I do jump into it, if I could, you have a password on file. Are you able to provide that to me? Perfect. Okay. So the reason of my call was to follow-up from a conversation that you did have with one of my colleagues last week or earlier this week, I should probably say, with regards to, I guess, misinformation at the time, really. So at the time Caden called you, it was because there had been a flag that came across your file. Now, I guess, to be clear, we are currently in the process of transitioning our CRM, which is our, like, data management system. So when any of those flags for, like, an insurance missed payment do pop up, our policy is to get straight onto our clients. A, it's a point of us being able to contact you, and, b, it's always to make sure that, you know, you're aware. And if the policy is at risk of lapsing, that we can work together to make sure that we can get that resolved. Yeah. Right. Well, it's the policy that Caden was calling about is actually your Suncorp policy, which isn't connected. Yeah. Right. Well, it's because we're your financial advisers. So with any of the advice that we provide to you so we've provided advice to you previously that that policy is suitable, that, you know, that the insurance that you have in place with with the providers that you have is a suitable position. So we always want to make sure we're dealing with your best interest at hand to ensure that those policies are protected. A, you know, at a time where you say, oh, I just can't afford it. That's where we can sort of maybe assist you in that direction. It's all part of our service. So while we don't, I guess, actively manage it, our name is not attached to it. It's you hold, and we, you know, acting and helping you out. So you you don't wanna engage with OQ Financial? Yeah. If you want us to disregard any of, like, the insurance policy that you pay for personally, we can disregard that, And we can, I guess, like, we can cease looking into the policy and stuff like that? The only concern I have is that you do have insurance within your super fund as well inside the Colonial First State policy. So anytime I try and consider your super funds, it will drag me across to consider your insurance because there's insurance built into those funds, which then means I need to try and consider the Suncorp policy at the same time. Now I can put a flag on your file that means that we only consider the insurance you have in Suncorp from a benefit point of view, but we don't ever follow you up on the premiums and that you're comfortable to maintain those premiums independently, I can definitely do it that way. Mhmm. Yeah. Okay. I yeah. I I I get what you're talking about. But if I can, I guess, maybe reframe frame your mindset a little bit to consider the fact that, like, OQ Financial don't hold your superannuation? Your superannuation is sitting with sub twenty four, Colonial First State. So we like, we're separate to those super funds themselves as well. We are giving advice on the actual products. So, you know, Suncorp products, Colonial First State products, Hub twenty four products, and any other advice you ever may want to engage in. So it's not just why I do very much understand, like, you engaged Suncorp and so it's a a thing that you've sort of set up yourself prior to, you know, engaging with us. It's So, look, ultimately, I am very happy to we can not follow-up on any, I guess, missed payments. If that's if that's where you wanna that to land, I am happy to do it that way. It's just we would definitely need to still consider the policy in any advice we're giving you just because we wanna make sure that, you know, when we're talking about everything, we don't Correct. Yep. Yeah. So Hub twenty four is a superannuation. Yep. Mhmm. Well, so any of your superannuation funds don't engage you on a ongoing basis. So a superannuation fund and insurance policy will just let the accounts ride the way they're set up, and it's up to you to then go in and ensure that you're reviewing where that's sitting. Now when it comes to super insurance tax mitigation, investing as a whole, that's where I specialize. I've been in the industry for a decade. I'm qualified under ASIC to be able to provide advice in the areas of of, you know, investments and stuff like that. And what I do is I work for you to obtain and get you to the goals that you're setting for yourself. So if it's that you're wanting to Yeah. Hub twenty four platform, and they they don't have advisers. They don't have supervisors. Yep. Administrators. Yep. Right. So Hub twenty four so Hub twenty four, anyone that you if you you can call Hub 24. Any of the people that you speak to at Hub twenty four are administrators. They are admin. They do not have qualifications nor are they able to provide recommendations on any specific investments to the Hub twenty four. Hub twenty four has thousands of investment options. And what my role is is to recommend specific assets for you to hold within that platform to help the money grow. Same with Colonial First State. They have very specific investments that they offer, Colonial First State do. And they won't ever contact you to say, hey. We think you should change your investments to do this. Yes. Yes. And, look, Suncorp may you know, obviously, with any insurance policy, you do receive your yearly policy schedule, which obviously outlines where your policy sits. It outlines the premiums and the benefits that you hold. What it doesn't do is it doesn't explain the underlying features within the policy nor does Suncorp go to the market and say, hey. Actually, if you move over to provider x, you could be saving a $150 per annum. They only act within their platform or their provider, and they would just say, hey. Your policy's up for renewal. Here's your new premium for the year or your monthly premium that you're gonna get start getting charged from x date. You know? And it's up to you to then reach out to them to say, hey. Actually, I don't need this much insurance anymore or I wanna increase my insurance because I have bought a house, taken on more debt, you know, whatever the case may be. And that's where I come in is I have the conversation with you, you know, each each year or if you wanna catch up more frequently. And we would go through and we would have an in-depth discussion about where your life sits right now, what your income, your goals, where you're wanting to to get to. And then I would go away and I would research the products that you have available, what products are available on market right now, and where we need to make changes within your investments or your life. You know? I do cash flow and budgeting with some of my clients to help them save more or, you know, manage their finances better. And that then no. Of course. Sorry. I see. Mhmm. Correct. Yes. Yeah. Yes. Yeah. Absolutely. Yeah. So you're able to you're able to to contact us at any time that you may, you know, need advice or assistance. I know that you spoke with my colleague, Kyle, not too too long ago when he made some changes to yeah. That was Caden. You spoke with Kyle, one of my advise no. You're okay. You spoke with Kyle, one of my advisers couple months yeah. Couple months ago or a few months ago now. And we did some slight slight changes to the investments in your super fund. But, yeah, you're 100% able to tap into the resources that we offer. So whether it's sometimes it's help on yeah. Yeah. Yeah. I I guess so. Caden doesn't technically fall. So I'm the head of financial advice. So I'm a qualified financial planner. Yep. I'm the head of financial advice. I am above Kyle, I guess you could say. He yes. This is the first time we have spoken. Yes. I'm more than happy if you want me to be your direct contact that you and I can like, that you can become my client. Yep. Yeah. Okay. Look. To be completely honest with you, truckies are my favorite clients ever, purely and simply because we can become more colloquial. So we can go plain and simple. Yep. Absolutely. So I I know that you work yeah. Absolutely. Did you wanna have a chat now? Do you wanna have a chat in a little bit, like, in a few days? Realistically, if yeah. Alright. Yeah. Well, do if if I send you an if I send you an email and ask for you to fill out a budget planner, is that gonna be pushing our friendship so soon? Perfect. Alright. Well, I'll what I'll do is I'll email you a budget planner. If you are able to fill it out, and what I want is I want I'll put it in the email, but, ultimately, like, what your income is net, and then what I wanna know is where your money's currently going, and we can really drill down to things a little bit. I did want to just flag with you that Caden is very much my right hand when it comes to any of my admin stuff. So you will talk to him when it comes to scheduling, but when it comes to the advice side of things, it'll be me. Okay? So it won't just be always be me because you will need to obviously talk to some of my admin when you're scheduling things in. But, you know, Caden's fantastic at what he does. And you were tired of everything. Yeah. Yeah. Yeah. No. Absolutely. No. I think it was just a bit of a all around mess, but that's absolutely perfect. No. Well, what I'll do is I'll get that email sent off to you now, and we can go from there with regards to everything. But thank you so much for reaffirming that everything's okay on your side. I did wanna flag with you that Kaden did send you an email following the call, I guess. Yeah. Yeah. No. No. No. He's alright. Alright. Perfect. Yeah. Perfect. Can I confirm what kind of swings do you actually do? Just so I can, I guess, make note? Cool. Yes. Amazing. Are you still WA based when you're on Stent? Yeah. Yeah. Cool. Cool. Perfect. Alright. Cool. So 2 and 2¢, you've just come off. Amazing. I will flag that so that way I know. Yeah. Yeah. A bit early. No. That's awesome. Thanks so much, Ben. I appreciate the time. Perfect. Yes. And then what I'll do is in the email, I'll just request the best date for you to for me to give you a call, and you can just tell me what day and time, and I'll schedule it in. Yep. No. Insurance will call over the pettiest thing. No. Amazing. Alright. Well, I will let you go, and I'll get this email out to you too. You too, Ben. 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Ben. My name is Larissa from O2 Financial. How are you going? Really good. Thank you.\n\nHave I got you at a really good time? No. Perfect. Well, before I jump into it, do need to let you know our calls are recorded if that's okay? Is that a bit better?\n\nOkay. Let me know if it drops out or it becomes unclear at all. Amazing. Before I do jump into it, if I could, you have a password on file. Are you able to provide that to me?\n\nPerfect. Okay. So the reason of my call was to follow-up from a conversation that you did have with one of my colleagues last week or earlier this week, I should probably say, with regards to, I guess, misinformation at the time, really. So at the time Caden called you, it was because there had been a flag that came across your file. Now, I guess, to be clear, we are currently in the process of transitioning our CRM, which is our, like, data management system.\n\nSo when any of those flags for, like, an insurance missed payment do pop up, our policy is to get straight onto our clients. A, it's a point of us being able to contact you, and, b, it's always to make sure that, you know, you're aware. And if the policy is at risk of lapsing, that we can work together to make sure that we can get that resolved. Yeah. Right.\n\nWell, it's the policy that Caden was calling about is actually your Suncorp policy, which isn't connected. Yeah. Right. Well, it's because we're your financial advisers. So with any of the advice that we provide to you so we've provided advice to you previously that that policy is suitable, that, you know, that the insurance that you have in place with with the providers that you have is a suitable position.\n\nSo we always want to make sure we're dealing with your best interest at hand to ensure that those policies are protected. A, you know, at a time where you say, oh, I just can't afford it. That's where we can sort of maybe assist you in that direction. It's all part of our service. So while we don't, I guess, actively manage it, our name is not attached to it.\n\nIt's you hold, and we, you know, acting and helping you out. So you you don't wanna engage with OQ Financial? Yeah. If you want us to disregard any of, like, the insurance policy that you pay for personally, we can disregard that, And we can, I guess, like, we can cease looking into the policy and stuff like that? The only concern I have is that you do have insurance within your super fund as well inside the Colonial First State policy.\n\nSo anytime I try and consider your super funds, it will drag me across to consider your insurance because there's insurance built into those funds, which then means I need to try and consider the Suncorp policy at the same time. Now I can put a flag on your file that means that we only consider the insurance you have in Suncorp from a benefit point of view, but we don't ever follow you up on the premiums and that you're comfortable to maintain those premiums independently, I can definitely do it that way. Mhmm. Yeah. Okay.\n\nI yeah. I I I get what you're talking about. But if I can, I guess, maybe reframe frame your mindset a little bit to consider the fact that, like, OQ Financial don't hold your superannuation? Your superannuation is sitting with sub twenty four, Colonial First State. So we like, we're separate to those super funds themselves as well.\n\nWe are giving advice on the actual products. So, you know, Suncorp products, Colonial First State products, Hub twenty four products, and any other advice you ever may want to engage in. So it's not just why I do very much understand, like, you engaged Suncorp and so it's a a thing that you've sort of set up yourself prior to, you know, engaging with us. It's So, look, ultimately, I am very happy to we can not follow-up on any, I guess, missed payments. If that's if that's where you wanna that to land, I am happy to do it that way.\n\nIt's just we would definitely need to still consider the policy in any advice we're giving you just because we wanna make sure that, you know, when we're talking about everything, we don't Correct. Yep. Yeah. So Hub twenty four is a superannuation. Yep.\n\nMhmm. Well, so any of your superannuation funds don't engage you on a ongoing basis. So a superannuation fund and insurance policy will just let the accounts ride the way they're set up, and it's up to you to then go in and ensure that you're reviewing where that's sitting. Now when it comes to super insurance tax mitigation, investing as a whole, that's where I specialize. I've been in the industry for a decade.\n\nI'm qualified under ASIC to be able to provide advice in the areas of of, you know, investments and stuff like that. And what I do is I work for you to obtain and get you to the goals that you're setting for yourself. So if it's that you're wanting to Yeah. Hub twenty four platform, and they they don't have advisers. They don't have supervisors.\n\nYep. Administrators. Yep. Right. So Hub twenty four so Hub twenty four, anyone that you if you you can call Hub 24.\n\nAny of the people that you speak to at Hub twenty four are administrators. They are admin. They do not have qualifications nor are they able to provide recommendations on any specific investments to the Hub twenty four. Hub twenty four has thousands of investment options. And what my role is is to recommend specific assets for you to hold within that platform to help the money grow.\n\nSame with Colonial First State. They have very specific investments that they offer, Colonial First State do. And they won't ever contact you to say, hey. We think you should change your investments to do this. Yes.\n\nYes. And, look, Suncorp may you know, obviously, with any insurance policy, you do receive your yearly policy schedule, which obviously outlines where your policy sits. It outlines the premiums and the benefits that you hold. What it doesn't do is it doesn't explain the underlying features within the policy nor does Suncorp go to the market and say, hey. Actually, if you move over to provider x, you could be saving a $150 per annum.\n\nThey only act within their platform or their provider, and they would just say, hey. Your policy's up for renewal. Here's your new premium for the year or your monthly premium that you're gonna get start getting charged from x date. You know? And it's up to you to then reach out to them to say, hey.\n\nActually, I don't need this much insurance anymore or I wanna increase my insurance because I have bought a house, taken on more debt, you know, whatever the case may be. And that's where I come in is I have the conversation with you, you know, each each year or if you wanna catch up more frequently. And we would go through and we would have an in-depth discussion about where your life sits right now, what your income, your goals, where you're wanting to to get to. And then I would go away and I would research the products that you have available, what products are available on market right now, and where we need to make changes within your investments or your life. You know?\n\nI do cash flow and budgeting with some of my clients to help them save more or, you know, manage their finances better. And that then no. Of course. Sorry. I see.\n\nMhmm. Correct. Yes. Yeah. Yes.\n\nYeah. Absolutely. Yeah. So you're able to you're able to to contact us at any time that you may, you know, need advice or assistance. I know that you spoke with my colleague, Kyle, not too too long ago when he made some changes to yeah.\n\nThat was Caden. You spoke with Kyle, one of my advise no. You're okay. You spoke with Kyle, one of my advisers couple months yeah. Couple months ago or a few months ago now.\n\nAnd we did some slight slight changes to the investments in your super fund. But, yeah, you're 100% able to tap into the resources that we offer. So whether it's sometimes it's help on yeah. Yeah. Yeah.\n\nI I guess so. Caden doesn't technically fall. So I'm the head of financial advice. So I'm a qualified financial planner. Yep.\n\nI'm the head of financial advice. I am above Kyle, I guess you could say. He yes. This is the first time we have spoken. Yes.\n\nI'm more than happy if you want me to be your direct contact that you and I can like, that you can become my client. Yep. Yeah. Okay. Look.\n\nTo be completely honest with you, truckies are my favorite clients ever, purely and simply because we can become more colloquial. So we can go plain and simple. Yep. Absolutely. So I I know that you work yeah.\n\nAbsolutely. Did you wanna have a chat now? Do you wanna have a chat in a little bit, like, in a few days? Realistically, if yeah. Alright.\n\nYeah. Well, do if if I send you an if I send you an email and ask for you to fill out a budget planner, is that gonna be pushing our friendship so soon? Perfect. Alright. Well, I'll what I'll do is I'll email you a budget planner.\n\nIf you are able to fill it out, and what I want is I want I'll put it in the email, but, ultimately, like, what your income is net, and then what I wanna know is where your money's currently going, and we can really drill down to things a little bit. I did want to just flag with you that Caden is very much my right hand when it comes to any of my admin stuff. So you will talk to him when it comes to scheduling, but when it comes to the advice side of things, it'll be me. Okay? So it won't just be always be me because you will need to obviously talk to some of my admin when you're scheduling things in.\n\nBut, you know, Caden's fantastic at what he does. And you were tired of everything. Yeah. Yeah. Yeah.\n\nNo. Absolutely. No. I think it was just a bit of a all around mess, but that's absolutely perfect. No.\n\nWell, what I'll do is I'll get that email sent off to you now, and we can go from there with regards to everything. But thank you so much for reaffirming that everything's okay on your side. I did wanna flag with you that Kaden did send you an email following the call, I guess. Yeah. Yeah.\n\nNo. No. No. He's alright. Alright.\n\nPerfect. Yeah. Perfect. Can I confirm what kind of swings do you actually do? Just so I can, I guess, make note?\n\nCool. Yes. Amazing. Are you still WA based when you're on Stent? Yeah.\n\nYeah. Cool. Cool. Perfect. Alright.\n\nCool. So 2 and 2¢, you've just come off. Amazing. I will flag that so that way I know. Yeah.\n\nYeah. A bit early. No. That's awesome. Thanks so much, Ben.\n\nI appreciate the time. Perfect. Yes. And then what I'll do is in the email, I'll just request the best date for you to for me to give you a call, and you can just tell me what day and time, and I'll schedule it in. Yep.\n\nNo. Insurance will call over the pettiest thing. No. Amazing. Alright.\n\nWell, I will let you go, and I'll get this email out to you too. You too, Ben. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Ben.","start":2.48,"end":3.28,"sentiment":"neutral","sentiment_score":0.17087019979953766},{"text":"My name is Larissa from O2 Financial.","start":3.28,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.1901512678180422},{"text":"How are you going?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.2291358783841133},{"text":"Really good.","start":8.559999,"end":9.28,"sentiment":"positive","sentiment_score":0.6878040730953217},{"text":"Thank you.","start":9.28,"end":10.0,"sentiment":"positive","sentiment_score":0.70728999376297}],"sentiment":"neutral","sentiment_score":0.31644299538696513,"num_words":17,"start":2.48,"end":10.0},{"sentences":[{"text":"Have I got you at a really good time?","start":10.0,"end":12.0199995,"sentiment":"positive","sentiment_score":0.41016619404157},{"text":"No.","start":14.345,"end":14.665,"sentiment":"neutral","sentiment_score":0.071771040558815},{"text":"Perfect.","start":14.665,"end":15.165,"sentiment":"neutral","sentiment_score":0.19437894225120544},{"text":"Well, before I jump into it, do need to let you know our calls are recorded if that's okay?","start":15.465,"end":19.325,"sentiment":"neutral","sentiment_score":0.019791277419579655},{"text":"Is that a bit better?","start":27.42,"end":28.64,"sentiment":"neutral","sentiment_score":-0.12962713539600373}],"sentiment":"neutral","sentiment_score":0.1053012663764613,"num_words":35,"start":10.0,"end":28.64},{"sentences":[{"text":"Okay.","start":32.3,"end":32.62,"sentiment":"neutral","sentiment_score":-0.04127030074596405},{"text":"Let me know if it drops out or it becomes unclear at all.","start":32.62,"end":35.1,"sentiment":"neutral","sentiment_score":-0.07582502382305953},{"text":"Amazing.","start":35.1,"end":35.6,"sentiment":"neutral","sentiment_score":0.33052605390548706},{"text":"Before I do jump into it, if I could, you have a password on file.","start":37.34,"end":40.94,"sentiment":"neutral","sentiment_score":0.04946081923941771},{"text":"Are you able to provide that to me?","start":40.94,"end":44.215,"sentiment":"neutral","sentiment_score":0.04449708363972604}],"sentiment":"neutral","sentiment_score":0.010563668451811137,"num_words":38,"start":32.3,"end":44.215},{"sentences":[{"text":"Perfect.","start":44.275,"end":44.775,"sentiment":"neutral","sentiment_score":0.09138312935829164},{"text":"Okay.","start":45.795,"end":46.275,"sentiment":"neutral","sentiment_score":-0.0013814643025398254},{"text":"So the reason of my call was to follow-up from a conversation that you did have with one of my colleagues last week or earlier this week, I should probably say, with regards to, I guess, misinformation at the time, really.","start":46.275,"end":61.739998,"sentiment":"neutral","sentiment_score":-0.12503188221556386},{"text":"So at the time Caden called you, it was because there had been a flag that came across your file.","start":63.32,"end":71.1,"sentiment":"neutral","sentiment_score":-0.13934958912432194},{"text":"Now, I guess, to be clear, we are currently in the process of transitioning our CRM, which is our, like, data management system.","start":72.005005,"end":80.745,"sentiment":"neutral","sentiment_score":-0.09384548761274504}],"sentiment":"neutral","sentiment_score":-0.11606678492281326,"num_words":86,"start":44.275,"end":80.745},{"sentences":[{"text":"So when any of those flags for, like, an insurance missed payment do pop up, our policy is to get straight onto our clients.","start":82.005005,"end":91.47,"sentiment":"neutral","sentiment_score":-0.10470158622289698},{"text":"A, it's a point of us being able to contact you, and, b, it's always to make sure that, you know, you're aware.","start":92.09,"end":98.35,"sentiment":"neutral","sentiment_score":-0.04015631795577381},{"text":"And if the policy is at risk of lapsing, that we can work together to make sure that we can get that resolved.","start":98.755005,"end":105.335,"sentiment":"neutral","sentiment_score":-0.1181493297867153},{"text":"Yeah.","start":108.755005,"end":109.255005,"sentiment":"neutral","sentiment_score":-0.10386417806148528},{"text":"Right.","start":127.785,"end":128.285,"sentiment":"neutral","sentiment_score":-0.04115871712565422}],"sentiment":"neutral","sentiment_score":-0.08748459531408218,"num_words":72,"start":82.005005,"end":128.285},{"sentences":[{"text":"Well, it's the policy that Caden was calling about is actually your Suncorp policy, which isn't connected.","start":128.345,"end":137.885,"sentiment":"neutral","sentiment_score":0.03396400206667535},{"text":"Yeah.","start":157.27501,"end":157.675,"sentiment":"neutral","sentiment_score":0.04482771083712578},{"text":"Right.","start":157.675,"end":158.155,"sentiment":"neutral","sentiment_score":0.07998105138540268},{"text":"Well, it's because we're your financial advisers.","start":158.155,"end":160.335,"sentiment":"neutral","sentiment_score":0.1316800362297467},{"text":"So with any of the advice that we provide to you so we've provided advice to you previously that that policy is suitable, that, you know, that the insurance that you have in place with with the providers that you have is a suitable position.","start":160.395,"end":175.23,"sentiment":"neutral","sentiment_score":0.25283534030119575}],"sentiment":"neutral","sentiment_score":0.18312038541574713,"num_words":71,"start":128.345,"end":175.23},{"sentences":[{"text":"So we always want to make sure we're dealing with your best interest at hand to ensure that those policies are protected.","start":175.23,"end":185.48999,"sentiment":"neutral","sentiment_score":0.32214117592031305},{"text":"A, you know, at a time where you say, oh, I just can't afford it.","start":185.895,"end":190.955,"sentiment":"neutral","sentiment_score":-0.19796151568492254},{"text":"That's where we can sort of maybe assist you in that direction.","start":191.975,"end":194.955,"sentiment":"neutral","sentiment_score":0.18129318145414194},{"text":"It's all part of our service.","start":195.175,"end":196.695,"sentiment":"neutral","sentiment_score":0.1854576493302981},{"text":"So while we don't, I guess, actively manage it, our name is not attached to it.","start":196.695,"end":201.29001,"sentiment":"neutral","sentiment_score":-0.04874122771434486}],"sentiment":"neutral","sentiment_score":0.0933251769714792,"num_words":71,"start":175.23,"end":201.29001},{"sentences":[{"text":"It's you hold, and we, you know, acting and helping you out.","start":201.43001,"end":208.65001,"sentiment":"neutral","sentiment_score":0.041550044591228165},{"text":"So you you don't wanna engage with OQ Financial?","start":214.155,"end":217.295,"sentiment":"negative","sentiment_score":-0.3435149739185969},{"text":"Yeah.","start":232.73,"end":233.05,"sentiment":"neutral","sentiment_score":-0.23272579908370972},{"text":"If you want us to disregard any of, like, the insurance policy that you pay for personally, we can disregard that, And we can, I guess, like, we can cease looking into the policy and stuff like that?","start":233.05,"end":246.43501,"sentiment":"negative","sentiment_score":-0.36548997265727895},{"text":"The only concern I have is that you do have insurance within your super fund as well inside the Colonial First State policy.","start":246.57501,"end":254.35501,"sentiment":"neutral","sentiment_score":-0.1320133755064529}],"sentiment":"neutral","sentiment_score":-0.23796007984194412,"num_words":83,"start":201.43001,"end":254.35501},{"sentences":[{"text":"So anytime I try and consider your super funds, it will drag me across to consider your insurance because there's insurance built into those funds, which then means I need to try and consider the Suncorp policy at the same time.","start":255.84,"end":270.745,"sentiment":"neutral","sentiment_score":-0.17732771776798295},{"text":"Now I can put a flag on your file that means that we only consider the insurance you have in Suncorp from a benefit point of view, but we don't ever follow you up on the premiums and that you're comfortable to maintain those premiums independently, I can definitely do it that way.","start":270.745,"end":287.55,"sentiment":"neutral","sentiment_score":0.0697312314977061},{"text":"Mhmm.","start":295.465,"end":295.965,"sentiment":"neutral","sentiment_score":0.055898118764162064},{"text":"Yeah.","start":316.08,"end":316.58,"sentiment":"neutral","sentiment_score":0.04211960732936859},{"text":"Okay.","start":316.63998,"end":317.13998,"sentiment":"neutral","sentiment_score":0.05049838125705719}],"sentiment":"neutral","sentiment_score":-0.035321289193384425,"num_words":97,"start":255.84,"end":317.13998},{"sentences":[{"text":"I yeah.","start":318.15997,"end":318.96,"sentiment":"neutral","sentiment_score":0.03543225862085819},{"text":"I I I get what you're talking about.","start":318.96,"end":320.81998,"sentiment":"neutral","sentiment_score":0.03429267881438136},{"text":"But if I can, I guess, maybe reframe frame your mindset a little bit to consider the fact that, like, OQ Financial don't hold your superannuation?","start":320.87997,"end":328.195,"sentiment":"neutral","sentiment_score":-0.023571177349927332},{"text":"Your superannuation is sitting with sub twenty four, Colonial First State.","start":328.975,"end":332.755,"sentiment":"neutral","sentiment_score":-0.012454991440542719},{"text":"So we like, we're separate to those super funds themselves as well.","start":333.135,"end":338.835,"sentiment":"neutral","sentiment_score":0.0392234503912429}],"sentiment":"neutral","sentiment_score":0.001119183652671212,"num_words":59,"start":318.15997,"end":338.835},{"sentences":[{"text":"We are giving advice on the actual products.","start":339.12,"end":341.94,"sentiment":"neutral","sentiment_score":0.057480303570628166},{"text":"So, you know, Suncorp products, Colonial First State products, Hub twenty four products, and any other advice you ever may want to engage in.","start":342.16,"end":349.04,"sentiment":"neutral","sentiment_score":0.06021028741573294},{"text":"So it's not just why I do very much understand, like, you engaged Suncorp and so it's a a thing that you've sort of set up yourself prior to, you know, engaging with us.","start":349.04,"end":359.845,"sentiment":"neutral","sentiment_score":-0.031241325825891075},{"text":"It's So, look, ultimately, I am very happy to we can not follow-up on any, I guess, missed payments.","start":359.845,"end":372.61,"sentiment":"neutral","sentiment_score":0.04451463101921897},{"text":"If that's if that's where you wanna that to land, I am happy to do it that way.","start":374.11,"end":379.305,"sentiment":"positive","sentiment_score":0.5690027607811822}],"sentiment":"neutral","sentiment_score":0.11583021293095883,"num_words":103,"start":339.12,"end":379.305},{"sentences":[{"text":"It's just we would definitely need to still consider the policy in any advice we're giving you just because we wanna make sure that, you know, when we're talking about everything, we don't Correct.","start":379.54498,"end":399.86,"sentiment":"neutral","sentiment_score":-0.049669610117288196},{"text":"Yep.","start":399.86,"end":400.25998,"sentiment":"neutral","sentiment_score":0.01636105589568615},{"text":"Yeah.","start":400.25998,"end":400.41998,"sentiment":"neutral","sentiment_score":0.010617961175739763},{"text":"So Hub twenty four is a superannuation.","start":400.41998,"end":402.84,"sentiment":"neutral","sentiment_score":-0.0021800311016184942},{"text":"Yep.","start":405.86,"end":406.36,"sentiment":"neutral","sentiment_score":-0.002808923600241542}],"sentiment":"neutral","sentiment_score":-0.03817856518699872,"num_words":44,"start":379.54498,"end":406.36},{"sentences":[{"text":"Mhmm.","start":407.22,"end":407.72,"sentiment":"neutral","sentiment_score":-0.02576659806072712},{"text":"Well, so any of your superannuation funds don't engage you on a ongoing basis.","start":411.955,"end":421.335,"sentiment":"neutral","sentiment_score":-0.21022198721766472},{"text":"So a superannuation fund and insurance policy will just let the accounts ride the way they're set up, and it's up to you to then go in and ensure that you're reviewing where that's sitting.","start":421.555,"end":433.64,"sentiment":"neutral","sentiment_score":-0.009995693287679127},{"text":"Now when it comes to super insurance tax mitigation, investing as a whole, that's where I specialize.","start":434.5,"end":443.835,"sentiment":"neutral","sentiment_score":0.11365156817962141},{"text":"I've been in the industry for a decade.","start":443.835,"end":446.015,"sentiment":"neutral","sentiment_score":0.1861792579293251}],"sentiment":"neutral","sentiment_score":0.001370493844151497,"num_words":75,"start":407.22,"end":446.015},{"sentences":[{"text":"I'm qualified under ASIC to be able to provide advice in the areas of of, you know, investments and stuff like that.","start":446.795,"end":454.88,"sentiment":"neutral","sentiment_score":0.2045182612809268},{"text":"And what I do is I work for you to obtain and get you to the goals that you're setting for yourself.","start":455.5,"end":465.04,"sentiment":"positive","sentiment_score":0.44802464002912695},{"text":"So if it's that you're wanting to Yeah.","start":465.18002,"end":478.36502,"sentiment":"neutral","sentiment_score":-0.0017350594862364233},{"text":"Hub twenty four platform, and they they don't have advisers.","start":478.445,"end":484.04,"sentiment":"neutral","sentiment_score":-0.11057784231379628},{"text":"They don't have supervisors.","start":484.9,"end":485.96,"sentiment":"neutral","sentiment_score":-0.2769244946539402}],"sentiment":"neutral","sentiment_score":0.18376646895723586,"num_words":66,"start":446.795,"end":485.96},{"sentences":[{"text":"Yep.","start":488.18,"end":488.68,"sentiment":"neutral","sentiment_score":-0.14701038599014282},{"text":"Administrators.","start":504.825,"end":505.325,"sentiment":"neutral","sentiment_score":-0.01853008195757866},{"text":"Yep.","start":505.46503,"end":505.96503,"sentiment":"neutral","sentiment_score":0.05708075687289238},{"text":"Right.","start":535.10504,"end":535.53,"sentiment":"neutral","sentiment_score":0.029082057997584343},{"text":"So Hub twenty four so Hub twenty four, anyone that you if you you can call Hub 24.","start":535.85004,"end":543.39,"sentiment":"neutral","sentiment_score":0.012268518770320548}],"sentiment":"neutral","sentiment_score":0.0064298038540238685,"num_words":22,"start":488.18,"end":543.39},{"sentences":[{"text":"Any of the people that you speak to at Hub twenty four are administrators.","start":543.53,"end":547.15,"sentiment":"neutral","sentiment_score":0.0009013409061091286},{"text":"They are admin.","start":547.37006,"end":548.27,"sentiment":"neutral","sentiment_score":-0.0302535742521286},{"text":"They do not have qualifications nor are they able to provide recommendations on any specific investments to the Hub twenty four.","start":548.795,"end":556.71497,"sentiment":"neutral","sentiment_score":-0.0726249392720915},{"text":"Hub twenty four has thousands of investment options.","start":556.71497,"end":559.45496,"sentiment":"neutral","sentiment_score":0.037804665975272655},{"text":"And what my role is is to recommend specific assets for you to hold within that platform to help the money grow.","start":559.915,"end":573.86005,"sentiment":"neutral","sentiment_score":0.09006222574548288}],"sentiment":"neutral","sentiment_score":0.01000795028555919,"num_words":68,"start":543.53,"end":573.86005},{"sentences":[{"text":"Same with Colonial First State.","start":576.655,"end":578.275,"sentiment":"neutral","sentiment_score":0.02901206985116005},{"text":"They have very specific investments that they offer, Colonial First State do.","start":579.53503,"end":583.955,"sentiment":"neutral","sentiment_score":0.04743546030173699},{"text":"And they won't ever contact you to say, hey.","start":584.255,"end":588.48,"sentiment":"neutral","sentiment_score":-0.07436902614103423},{"text":"We think you should change your investments to do this.","start":588.63995,"end":591.45996,"sentiment":"neutral","sentiment_score":-0.06618969663977622},{"text":"Yes.","start":597.36,"end":597.86,"sentiment":"neutral","sentiment_score":-0.10348451137542725}],"sentiment":"neutral","sentiment_score":-0.019470725409887934,"num_words":37,"start":576.655,"end":597.86},{"sentences":[{"text":"Yes.","start":600.8,"end":601.04,"sentiment":"neutral","sentiment_score":0.102046899497509},{"text":"And, look, Suncorp may you know, obviously, with any insurance policy, you do receive your yearly policy schedule, which obviously outlines where your policy sits.","start":601.04,"end":611.245,"sentiment":"neutral","sentiment_score":0.12387828692793847},{"text":"It outlines the premiums and the benefits that you hold.","start":611.245,"end":614.305,"sentiment":"neutral","sentiment_score":0.13652461133897303},{"text":"What it doesn't do is it doesn't explain the underlying features within the policy nor does Suncorp go to the market and say, hey.","start":614.445,"end":624.77,"sentiment":"neutral","sentiment_score":-0.26308887420843047},{"text":"Actually, if you move over to provider x, you could be saving a $150 per annum.","start":624.77,"end":633.575,"sentiment":"positive","sentiment_score":0.3569908505305648}],"sentiment":"neutral","sentiment_score":0.05213119491542641,"num_words":76,"start":600.8,"end":633.575},{"sentences":[{"text":"They only act within their platform or their provider, and they would just say, hey.","start":634.515,"end":641.075,"sentiment":"neutral","sentiment_score":0.044172661503156026},{"text":"Your policy's up for renewal.","start":641.075,"end":642.27496,"sentiment":"neutral","sentiment_score":0.011953615769743919},{"text":"Here's your new premium for the year or your monthly premium that you're gonna get start getting charged from x date.","start":642.27496,"end":647.85,"sentiment":"neutral","sentiment_score":0.010008061570780618},{"text":"You know?","start":648.49,"end":648.81,"sentiment":"neutral","sentiment_score":0.010439320467412472},{"text":"And it's up to you to then reach out to them to say, hey.","start":648.81,"end":651.93,"sentiment":"neutral","sentiment_score":0.050311187914173515}],"sentiment":"neutral","sentiment_score":0.029083553791503635,"num_words":57,"start":634.515,"end":651.93},{"sentences":[{"text":"Actually, I don't need this much insurance anymore or I wanna increase my insurance because I have bought a house, taken on more debt, you know, whatever the case may be.","start":651.93,"end":662.045,"sentiment":"neutral","sentiment_score":-0.22731378566353552},{"text":"And that's where I come in is I have the conversation with you, you know, each each year or if you wanna catch up more frequently.","start":663.305,"end":670.125,"sentiment":"neutral","sentiment_score":0.1605788804590702},{"text":"And we would go through and we would have an in-depth discussion about where your life sits right now, what your income, your goals, where you're wanting to to get to.","start":670.58496,"end":680.25,"sentiment":"neutral","sentiment_score":0.16311455133461183},{"text":"And then I would go away and I would research the products that you have available, what products are available on market right now, and where we need to make changes within your investments or your life.","start":680.55,"end":692.445,"sentiment":"neutral","sentiment_score":0.029369761210841103},{"text":"You know?","start":692.585,"end":693.145,"sentiment":"neutral","sentiment_score":0.045756012201309204}],"sentiment":"neutral","sentiment_score":0.026480848952306537,"num_words":127,"start":651.93,"end":693.145},{"sentences":[{"text":"I do cash flow and budgeting with some of my clients to help them save more or, you know, manage their finances better.","start":693.145,"end":699.965,"sentiment":"neutral","sentiment_score":0.13937626681897952},{"text":"And that then no.","start":700.23,"end":703.35,"sentiment":"neutral","sentiment_score":-0.10131429601460695},{"text":"Of course.","start":703.35,"end":703.75,"sentiment":"neutral","sentiment_score":-0.06692811846733093},{"text":"Sorry.","start":703.75,"end":704.25,"sentiment":"neutral","sentiment_score":-0.1088993176817894},{"text":"I see.","start":712.405,"end":713.705,"sentiment":"neutral","sentiment_score":0.02895007748156786}],"sentiment":"neutral","sentiment_score":0.08173567353514954,"num_words":32,"start":693.145,"end":713.705},{"sentences":[{"text":"Mhmm.","start":713.84503,"end":714.34503,"sentiment":"neutral","sentiment_score":0.021924052387475967},{"text":"Correct.","start":717.915,"end":718.165,"sentiment":"neutral","sentiment_score":0.08610796928405762},{"text":"Yes.","start":718.165,"end":718.665,"sentiment":"neutral","sentiment_score":0.10069240629673004},{"text":"Yeah.","start":720.485,"end":720.985,"sentiment":"neutral","sentiment_score":0.1692202389240265},{"text":"Yes.","start":724.26,"end":724.5,"sentiment":"neutral","sentiment_score":0.13914701342582703}],"sentiment":"neutral","sentiment_score":0.10341833606362343,"num_words":5,"start":713.84503,"end":724.5},{"sentences":[{"text":"Yeah.","start":724.5,"end":725.0,"sentiment":"neutral","sentiment_score":0.1983512043952942},{"text":"Absolutely.","start":725.06,"end":725.56,"sentiment":"neutral","sentiment_score":0.26679009199142456},{"text":"Yeah.","start":725.78,"end":726.10004,"sentiment":"neutral","sentiment_score":0.25077295303344727},{"text":"So you're able to you're able to to contact us at any time that you may, you know, need advice or assistance.","start":726.10004,"end":733.48004,"sentiment":"neutral","sentiment_score":0.2720333012667569},{"text":"I know that you spoke with my colleague, Kyle, not too too long ago when he made some changes to yeah.","start":733.62,"end":741.025,"sentiment":"neutral","sentiment_score":0.052124423994904474}],"sentiment":"neutral","sentiment_score":0.16946216915612636,"num_words":46,"start":724.5,"end":741.025},{"sentences":[{"text":"That was Caden.","start":741.025,"end":742.085,"sentiment":"neutral","sentiment_score":0.010851188252369562},{"text":"You spoke with Kyle, one of my advise no.","start":742.305,"end":744.305,"sentiment":"neutral","sentiment_score":-0.025033328889144793},{"text":"You're okay.","start":744.305,"end":744.965,"sentiment":"neutral","sentiment_score":-0.016806889325380325},{"text":"You spoke with Kyle, one of my advisers couple months yeah.","start":745.505,"end":750.29004,"sentiment":"neutral","sentiment_score":0.05450760590081865},{"text":"Couple months ago or a few months ago now.","start":750.29004,"end":752.39,"sentiment":"neutral","sentiment_score":0.06510626483294699}],"sentiment":"neutral","sentiment_score":0.028211172779693323,"num_words":34,"start":741.025,"end":752.39},{"sentences":[{"text":"And we did some slight slight changes to the investments in your super fund.","start":752.93,"end":757.11005,"sentiment":"neutral","sentiment_score":0.15762400893228395},{"text":"But, yeah, you're 100% able to tap into the resources that we offer.","start":757.41003,"end":761.81,"sentiment":"positive","sentiment_score":0.5374423884428464},{"text":"So whether it's sometimes it's help on yeah.","start":761.81,"end":773.525,"sentiment":"neutral","sentiment_score":0.06568560795858502},{"text":"Yeah.","start":773.585,"end":773.905,"sentiment":"neutral","sentiment_score":0.02991052158176899},{"text":"Yeah.","start":773.905,"end":774.22504,"sentiment":"neutral","sentiment_score":0.02541943266987801}],"sentiment":"neutral","sentiment_score":0.2641703241278191,"num_words":37,"start":752.93,"end":774.22504},{"sentences":[{"text":"I I guess so.","start":774.22504,"end":774.945,"sentiment":"neutral","sentiment_score":0.014121506363153456},{"text":"Caden doesn't technically fall.","start":774.945,"end":776.72504,"sentiment":"neutral","sentiment_score":0.00603294582106173},{"text":"So I'm the head of financial advice.","start":777.72,"end":779.5,"sentiment":"neutral","sentiment_score":0.05957395636609623},{"text":"So I'm a qualified financial planner.","start":779.64,"end":781.66,"sentiment":"neutral","sentiment_score":0.05878521657238404},{"text":"Yep.","start":781.8,"end":782.04,"sentiment":"neutral","sentiment_score":0.06472848355770111}],"sentiment":"neutral","sentiment_score":0.041594331195069986,"num_words":22,"start":774.22504,"end":782.04},{"sentences":[{"text":"I'm the head of financial advice.","start":782.04,"end":783.58,"sentiment":"neutral","sentiment_score":0.04934226100643476},{"text":"I am above Kyle, I guess you could say.","start":785.8,"end":788.78,"sentiment":"neutral","sentiment_score":0.027174583325783413},{"text":"He yes.","start":789.735,"end":793.91504,"sentiment":"neutral","sentiment_score":0.056551530957221985},{"text":"This is the first time we have spoken.","start":797.255,"end":799.09503,"sentiment":"neutral","sentiment_score":0.10734059289097786},{"text":"Yes.","start":799.09503,"end":799.59503,"sentiment":"neutral","sentiment_score":0.17362414300441742}],"sentiment":"neutral","sentiment_score":0.06484910630835937,"num_words":26,"start":782.04,"end":799.59503},{"sentences":[{"text":"I'm more than happy if you want me to be your direct contact that you and I can like, that you can become my client.","start":806.88,"end":813.22,"sentiment":"positive","sentiment_score":0.526290009021759},{"text":"Yep.","start":836.18,"end":836.68,"sentiment":"neutral","sentiment_score":0.16951614618301392},{"text":"Yeah.","start":847.08496,"end":847.485,"sentiment":"neutral","sentiment_score":0.15660107135772705},{"text":"Okay.","start":847.485,"end":847.985,"sentiment":"neutral","sentiment_score":0.15381211042404175},{"text":"Look.","start":848.52496,"end":849.02496,"sentiment":"neutral","sentiment_score":0.18480539321899417}],"sentiment":"positive","sentiment_score":0.47662017057681905,"num_words":29,"start":806.88,"end":849.02496},{"sentences":[{"text":"To be completely honest with you, truckies are my favorite clients ever, purely and simply because we can become more colloquial.","start":849.40497,"end":856.14496,"sentiment":"neutral","sentiment_score":0.2701386348122642},{"text":"So we can go plain and simple.","start":856.605,"end":858.70496,"sentiment":"neutral","sentiment_score":0.13495604693889618},{"text":"Yep.","start":859.19,"end":859.69,"sentiment":"neutral","sentiment_score":0.16155368089675903},{"text":"Absolutely.","start":859.75,"end":860.25,"sentiment":"positive","sentiment_score":0.4086463749408722},{"text":"So I I know that you work yeah.","start":862.07,"end":868.57,"sentiment":"positive","sentiment_score":0.35759967751801014}],"sentiment":"neutral","sentiment_score":0.2644368719897772,"num_words":38,"start":849.40497,"end":868.57},{"sentences":[{"text":"Absolutely.","start":893.01,"end":893.51,"sentiment":"neutral","sentiment_score":0.16693325340747833},{"text":"Did you wanna have a chat now?","start":894.05,"end":896.20996,"sentiment":"neutral","sentiment_score":0.070345724267619},{"text":"Do you wanna have a chat in a little bit, like, in a few days?","start":896.20996,"end":899.91,"sentiment":"neutral","sentiment_score":0.050588448097308475},{"text":"Realistically, if yeah.","start":900.635,"end":902.815,"sentiment":"neutral","sentiment_score":0.022647240199148655},{"text":"Alright.","start":906.155,"end":906.655,"sentiment":"neutral","sentiment_score":0.06246327981352806}],"sentiment":"neutral","sentiment_score":0.05735500167227454,"num_words":27,"start":893.01,"end":906.655},{"sentences":[{"text":"Yeah.","start":906.795,"end":907.295,"sentiment":"neutral","sentiment_score":0.04453783109784126},{"text":"Well, do if if I send you an if I send you an email and ask for you to fill out a budget planner, is that gonna be pushing our friendship so soon?","start":908.47504,"end":919.62,"sentiment":"neutral","sentiment_score":0.06545735856123043},{"text":"Perfect.","start":936.005,"end":936.485,"sentiment":"positive","sentiment_score":0.665941059589386},{"text":"Alright.","start":936.485,"end":936.725,"sentiment":"positive","sentiment_score":0.34467005729675293},{"text":"Well, I'll what I'll do is I'll email you a budget planner.","start":936.725,"end":939.35,"sentiment":"neutral","sentiment_score":0.2111536314090093}],"sentiment":"neutral","sentiment_score":0.11977261161276449,"num_words":48,"start":906.795,"end":939.35},{"sentences":[{"text":"If you are able to fill it out, and what I want is I want I'll put it in the email, but, ultimately, like, what your income is net, and then what I wanna know is where your money's currently going, and we can really drill down to things a little bit.","start":939.35,"end":952.49,"sentiment":"neutral","sentiment_score":0.16277898876712873},{"text":"I did want to just flag with you that Caden is very much my right hand when it comes to any of my admin stuff.","start":952.55,"end":960.335,"sentiment":"neutral","sentiment_score":0.062947948127985},{"text":"So you will talk to him when it comes to scheduling, but when it comes to the advice side of things, it'll be me.","start":960.335,"end":965.615,"sentiment":"neutral","sentiment_score":0.07769074849784374},{"text":"Okay?","start":965.615,"end":966.115,"sentiment":"neutral","sentiment_score":0.06625691056251526},{"text":"So it won't just be always be me because you will need to obviously talk to some of my admin when you're scheduling things in.","start":966.67,"end":973.49,"sentiment":"neutral","sentiment_score":0.059685119241476056}],"sentiment":"neutral","sentiment_score":0.10599345649321248,"num_words":127,"start":939.35,"end":973.49},{"sentences":[{"text":"But, you know, Caden's fantastic at what he does.","start":974.83,"end":978.93,"sentiment":"positive","sentiment_score":0.5039216213756137},{"text":"And you were tired of everything.","start":979.55,"end":986.885,"sentiment":"neutral","sentiment_score":-0.020769920200109482},{"text":"Yeah.","start":996.065,"end":996.565,"sentiment":"neutral","sentiment_score":-0.0965622216463089},{"text":"Yeah.","start":996.705,"end":997.205,"sentiment":"neutral","sentiment_score":-0.1017981693148613},{"text":"Yeah.","start":1011.065,"end":1011.385,"sentiment":"neutral","sentiment_score":-0.03055630065500736}],"sentiment":"neutral","sentiment_score":0.23231990997576052,"num_words":18,"start":974.83,"end":1011.385},{"sentences":[{"text":"No.","start":1011.385,"end":1011.785,"sentiment":"neutral","sentiment_score":-0.047265954315662384},{"text":"Absolutely.","start":1011.785,"end":1012.285,"sentiment":"neutral","sentiment_score":0.0872541218996048},{"text":"No.","start":1012.585,"end":1012.825,"sentiment":"neutral","sentiment_score":0.0563046857714653},{"text":"I think it was just a bit of a all around mess, but that's absolutely perfect.","start":1012.825,"end":1017.705,"sentiment":"neutral","sentiment_score":0.08857376733794808},{"text":"No.","start":1017.705,"end":1018.105,"sentiment":"neutral","sentiment_score":0.07205811142921448}],"sentiment":"neutral","sentiment_score":0.07927656210958958,"num_words":20,"start":1011.385,"end":1018.105},{"sentences":[{"text":"Well, what I'll do is I'll get that email sent off to you now, and we can go from there with regards to everything.","start":1018.105,"end":1025.065,"sentiment":"neutral","sentiment_score":0.13230714295059443},{"text":"But thank you so much for reaffirming that everything's okay on your side.","start":1025.065,"end":1029.62,"sentiment":"positive","sentiment_score":0.6428482945148761},{"text":"I did wanna flag with you that Kaden did send you an email following the call, I guess.","start":1029.62,"end":1034.2799,"sentiment":"neutral","sentiment_score":0.057353473785850734},{"text":"Yeah.","start":1034.58,"end":1035.08,"sentiment":"neutral","sentiment_score":-0.026711737737059593},{"text":"Yeah.","start":1043.1951,"end":1043.6951,"sentiment":"neutral","sentiment_score":-0.03718166798353195}],"sentiment":"neutral","sentiment_score":0.21931348038477855,"num_words":57,"start":1018.105,"end":1043.6951},{"sentences":[{"text":"No.","start":1047.035,"end":1047.3551,"sentiment":"neutral","sentiment_score":-0.1478552371263504},{"text":"No.","start":1047.3551,"end":1047.8551,"sentiment":"neutral","sentiment_score":-0.2840065360069275},{"text":"No.","start":1052.4751,"end":1052.9751,"sentiment":"neutral","sentiment_score":-0.15195998549461365},{"text":"He's alright.","start":1053.035,"end":1053.8551,"sentiment":"neutral","sentiment_score":-0.10906590521335602},{"text":"Alright.","start":1055.755,"end":1056.155,"sentiment":"neutral","sentiment_score":0.024587100371718407}],"sentiment":"neutral","sentiment_score":-0.1295610781138142,"num_words":6,"start":1047.035,"end":1056.155},{"sentences":[{"text":"Perfect.","start":1056.155,"end":1056.655,"sentiment":"neutral","sentiment_score":0.19134822487831116},{"text":"Yeah.","start":1066.05,"end":1066.55,"sentiment":"neutral","sentiment_score":0.08722057938575745},{"text":"Perfect.","start":1074.735,"end":1075.135,"sentiment":"positive","sentiment_score":0.3647634387016296},{"text":"Can I confirm what kind of swings do you actually do?","start":1075.135,"end":1077.615,"sentiment":"neutral","sentiment_score":0.0736176385120912},{"text":"Just so I can, I guess, make note?","start":1077.615,"end":1080.275,"sentiment":"neutral","sentiment_score":0.025811227271333337}],"sentiment":"neutral","sentiment_score":0.07543709476224401,"num_words":22,"start":1056.155,"end":1080.275},{"sentences":[{"text":"Cool.","start":1081.375,"end":1081.875,"sentiment":"neutral","sentiment_score":0.010970314033329489},{"text":"Yes.","start":1087.81,"end":1088.31,"sentiment":"neutral","sentiment_score":-0.03321519494056702},{"text":"Amazing.","start":1096.21,"end":1096.71,"sentiment":"positive","sentiment_score":0.5642392635345459},{"text":"Are you still WA based when you're on Stent?","start":1096.93,"end":1100.775,"sentiment":"neutral","sentiment_score":0.0026553924350688858},{"text":"Yeah.","start":1101.395,"end":1101.795,"sentiment":"neutral","sentiment_score":0.02213876321911812}],"sentiment":"neutral","sentiment_score":0.04523320598169588,"num_words":13,"start":1081.375,"end":1101.795},{"sentences":[{"text":"Yeah.","start":1101.795,"end":1102.035,"sentiment":"neutral","sentiment_score":0.03410542383790016},{"text":"Cool.","start":1102.035,"end":1102.535,"sentiment":"neutral","sentiment_score":0.1929171085357666},{"text":"Cool.","start":1104.115,"end":1104.435,"sentiment":"neutral","sentiment_score":0.32647043466567993},{"text":"Perfect.","start":1104.435,"end":1104.755,"sentiment":"positive","sentiment_score":0.4284629225730896},{"text":"Alright.","start":1104.755,"end":1105.075,"sentiment":"neutral","sentiment_score":0.2623324990272522}],"sentiment":"neutral","sentiment_score":0.2488576777279377,"num_words":5,"start":1101.795,"end":1105.075},{"sentences":[{"text":"Cool.","start":1105.075,"end":1105.315,"sentiment":"neutral","sentiment_score":0.2711687684059143},{"text":"So 2 and 2¢, you've just come off.","start":1105.315,"end":1107.475,"sentiment":"neutral","sentiment_score":0.1508207055074828},{"text":"Amazing.","start":1107.475,"end":1107.975,"sentiment":"neutral","sentiment_score":0.30652087926864624},{"text":"I will flag that so that way I know.","start":1108.035,"end":1110.055,"sentiment":"neutral","sentiment_score":0.08902968673242463},{"text":"Yeah.","start":1110.915,"end":1111.415,"sentiment":"neutral","sentiment_score":0.01964954473078251}],"sentiment":"neutral","sentiment_score":0.12917638481839708,"num_words":20,"start":1105.075,"end":1111.415},{"sentences":[{"text":"Yeah.","start":1115.77,"end":1116.09,"sentiment":"neutral","sentiment_score":0.05174668133258819},{"text":"A bit early.","start":1116.09,"end":1116.99,"sentiment":"neutral","sentiment_score":0.05729918306072553},{"text":"No.","start":1119.6901,"end":1120.09,"sentiment":"neutral","sentiment_score":0.2954626679420471},{"text":"That's awesome.","start":1120.09,"end":1120.97,"sentiment":"positive","sentiment_score":0.5874708294868469},{"text":"Thanks so much, Ben.","start":1120.97,"end":1121.93,"sentiment":"positive","sentiment_score":0.7094839513301849}],"sentiment":"positive","sentiment_score":0.4119985784319314,"num_words":11,"start":1115.77,"end":1121.93},{"sentences":[{"text":"I appreciate the time.","start":1121.93,"end":1123.15,"sentiment":"positive","sentiment_score":0.5712300166487694},{"text":"Perfect.","start":1125.93,"end":1126.43,"sentiment":"neutral","sentiment_score":0.08586691319942474},{"text":"Yes.","start":1128.4349,"end":1128.6749,"sentiment":"neutral","sentiment_score":0.051298052072525024},{"text":"And then what I'll do is in the email, I'll just request the best date for you to for me to give you a call, and you can just tell me what day and time, and I'll schedule it in.","start":1128.6749,"end":1137.4149,"sentiment":"neutral","sentiment_score":0.049179961020126936},{"text":"Yep.","start":1144.98,"end":1145.48,"sentiment":"neutral","sentiment_score":-0.02174001932144165}],"sentiment":"neutral","sentiment_score":0.09292645645426943,"num_words":47,"start":1121.93,"end":1145.48},{"sentences":[{"text":"No.","start":1155.54,"end":1156.04,"sentiment":"neutral","sentiment_score":-0.143051415681839},{"text":"Insurance will call over the pettiest thing.","start":1165.095,"end":1167.2749,"sentiment":"neutral","sentiment_score":-0.12063135845320565},{"text":"No.","start":1176.04,"end":1176.28,"sentiment":"neutral","sentiment_score":-0.26546066999435425},{"text":"Amazing.","start":1176.28,"end":1176.78,"sentiment":"neutral","sentiment_score":0.22632409632205963},{"text":"Alright.","start":1177.24,"end":1177.64,"sentiment":"neutral","sentiment_score":0.25931617617607117}],"sentiment":"neutral","sentiment_score":-0.06975375657731836,"num_words":11,"start":1155.54,"end":1177.64},{"sentences":[{"text":"Well, I will let you go, and I'll get this email out to you too.","start":1177.64,"end":1180.3,"sentiment":"positive","sentiment_score":0.403729522228241},{"text":"You too, Ben.","start":1184.28,"end":1185.16,"sentiment":"positive","sentiment_score":0.4883828361829122},{"text":"Bye.","start":1185.16,"end":1185.66,"sentiment":"neutral","sentiment_score":0.31405481696128845}],"sentiment":"positive","sentiment_score":0.4123761136280863,"num_words":19,"start":1177.64,"end":1185.66}]}}]},{"alternatives":[{"transcript":"Hello. Ben speaking. You're not too bad yourself. Yep. Yep. Go ahead. Yeah. Yep. It's all good. Just to mention that your earpiece is sort of not that clear. Yep. Yeah. Yeah. Keep talking. I'll let you know. Yep. Sweet. Yep. Mhmm. Mhmm. Yeah. So my my question to Caden was why is that what why is is that such a thing like an obligation that, like, Hub twenty four has to call me for on terms of the life insurance. Like, that's what I didn't understand. It's like, why is the the the life insurance linked to my my super yeah. That's correct. Yeah. I understand that. Yeah. But I want to know, like, why why yeah. Like, so if if but, yeah, I just didn't understand, like, why why how does sorry. Oakview Financial, like, was so interested in calling me if I've missed the payment on life insurance. Like, life insurance is separate to Oakview. Yeah. So what if I what if I don't want that service? Like, I don't want like, what if I don't want on no. No. No. No. What if I don't want advice on life insurance? What if I just want to, like, do it, like, with Suncorp and just with Suncorp, but I don't want, IG Financial, like, a part of it? Is that not an option? Yep. That's correct. Yep. Yeah. So yeah. Because because my mindset is is okay. Look. I I I basically have employed OJ Financial to take care of my super side of things only. And then I've gone and done the same thing employed to say, Suncorp for my insurance and sort of thing. So that's that's where it is in my mindset. So I'm sort of like, well, I don't want advice from from cross pollinations of of either parties, really. I just wanna that's just the way my mind works, if that makes sense. Correct. That's correct. See, I thought the Oakview Financial advice came to me because of the the sign up with the Hub twenty four. So Hub twenty four and Oakview are two separate parties. It's a super provider. Correct. Yeah. Yeah. So then so then what what do I need Oakview for then if if they're if they're separate? Yeah. So in the in the same breath though, they hear me out. So Hub twenty four and their and their specialist, they provide me with the same services in my within my super. Correct? The Hub twenty four's advisers. Yep. Super advisers. Well, whatever you wanna call it. They're the employees. Okay? So they they they call me up and they say, hey, Ben, we've got this investment. We're thinking about this for you, this for you, that that for you. You know, I get I get the emails and I'm like, you know, I can either say, yeah, or may decline. Yes or no. And then Suncorp have the same advisers or employers that do the same thing that they, you know, they they do the same thing. Yep. On on on my insurance side of things. And then so OXY Financial used to do the same thing, but for both of them. But my question is, okay, then if that's the case, then why do I need overview financial? If I've already got if I'm employing both those two parties in those respected companies to do those same things for me on behalf of my super and my insurance, then why do I need overview financial is my question if overview financial was separate to hub twenty four. Correct. Yep. Correct. You're that that that they are a 100% correct. Obviously, I've experienced that because I've been with them for years and have not had one phone call from them. So you're right. Yes. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. So so so sorry to cut cut you off. So part of your services, like what you're saying there, so so part of being a part of overview financial is receiving the financial advice as part of the services. Yep. So I can tap into that whenever I want. Is that what you're saying? Yeah. Two days ago. Oh, Caden. Sorry. Yes. Yeah. No. You're right. Yeah. My bad. Yeah. Yep. In the beginning of the year. Yep. Yep. Okay. And so and so where do you sit in in in the letter of the officer? Your your Cadence boss? To say? Yeah. Or his manager or his you're the head. Yep. So where so where are you to Kyle then? So I'm talking to the basically, I'm talking to the top dogs. Okay. So is this the first time that me and you have communicated? So are you offering that you're gonna take care of me then? Since we and and we can do something going forward? Yeah. We could because I'm like, okay. So you you guys are offering these services. I'm sort of like, well, I actually need to get my, you know, my ducks in their own, like, have something going because I'm I'm pretty simple. But, man, I, you know, just for yeah. I work in a mine, so I run, like, you know, a crew of 50 blokes. So pretty pretty flat out on on on the the labor side of things, but I need someone to like that's gonna look at my financials and go, hey, Ben. You know, what's your goals? Where do you need to go? This is how you achieve them. You know, I need some of the a bit of direction in layman's terms. Yeah. Yeah. Yeah. Yeah. That's it. That's what I'm looking for. Yep. Yeah. Sweet. So, yeah, obviously, I'm in a full time role. I'm trying to build up that super through you guys, you know, for the future because that's basically what OP sold me on. And and I must say, like, since changing the super from Colonial First, it's it's been good. Like, they've taken care of everything. Like, everything's transparent. I get all the printouts, all the emails. So I'm tracking it, like, all good with that stuff, but I just need to get to the next stage. Like, where where can I go? I need to freaking buy a house. All the rest of it, so I need that sort of financial advice. Yeah. Probably in a few days because I've I've been today I've got an appointment at 12:30, so I've gotta, like, head to that. But but yeah. For sure. I I definitely need your assistance. Yep. No. No. No. No. That's a lot of, like oh, look. You've given me a call. I can just tell just, you know, you've got a bit of experience in your pocket. Like, not trying to put in on us down in the in the company. They've all been good, but I just need someone to tell it how it is. Look. This is where I'm going. I'm pretty simple. If, yeah, if you give me the goals, I'll kick them. Yep. Yep. Yep. Yes. Sweet. Yep. Oh, look. That's that's that's no no dispute. I just think when he called me, I had just come off a fourteen hour shift. Like, I needed the questions to be pretty much like this is how it was like. Maybe I got him flustered with some of my comments. It's nothing against him. I would have like, I'm old school as they come. So I work with freaking filthy dirty men in a in a in a gold mine. You know? So we don't we don't take motion. We're just straight to the point. Look. Look, mate. I've got two minutes. Tell me what it is and what it's not. And I think he got a bit flustered there. There's nothing against him. I was like, yeah. He could be cool at his job. I was just yeah. He called me off. Yep. No. He did send me that email. I did read it. I was like, oh, poor fellow. I just yeah. Look. I've if you had a look at my emails, I've got literally thousands of mining emails that I go through, like, all day every day myself. And I'm like, man, I don't even know if I'm gonna be able to have a chance to respond to that one. You know, if I saw him pour his heart out, and I was like, poor fella. She's probably gonna have trauma. But, you know, I'm I'm I'm all cool that sometimes I'm so busy. I look at I'm like, man, I've I've even because I haven't been in touch with I you do all have twenty four, five, sometimes I forget, like, how that sits in my schedule. So as long as we've got a whole lot of things coming through. But as you jog my memory, I'm like, okay. Yeah. But that's what it was, and this is what it is. It's it's all good. So, yeah, I'm on I'm on a two and two roster, but it it it before Kyle called me, I was doing three months on, two weeks off overseas. So, you know, that was even harder to catch. So now I'm I'm on a permanent role in Australia now. So, yeah, my roster is two and two. So I've just flown home yesterday. I'm WA. Yep. No. Yep. Yep. Based in work there. Yep. Living. Yep. Yeah. So so you might wanna put that on my records. Just next time, she's gonna do a nine 9AM Brisbane call. It's like 06:30 here in WA. Yep. All good. All good. Well, I'll look for that email and then I'll get back to you. Yep. Yeah. So we'll just leave that. We'll just don't even put a flag on that insurance thing. I know what it is now. Like, you that's the advice that you guys give me. No dramas. We'll leave it at that. And that that thing was a Suncorp. I don't know what's going on there. That was just like a long time ago, and that's been squared up a long time ago as well. So I just think it was like a an accounts mishap there because I was like, what? They're calling you over $12. The last because that's what the pre yeah. Yeah. Exactly. I was like, the premiums are $12 a month. Are you kidding me? Like yeah. I was there's an account to mix up, so not all good. Too easy. Thanks for the phone call, and you have a lovely day. Alright, mate. 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Ben speaking. You're not too bad yourself. Yep. Yep.\n\nGo ahead. Yeah. Yep. It's all good. Just to mention that your earpiece is sort of not that clear.\n\nYep. Yeah. Yeah. Keep talking. I'll let you know.\n\nYep. Sweet. Yep. Mhmm. Mhmm.\n\nYeah. So my my question to Caden was why is that what why is is that such a thing like an obligation that, like, Hub twenty four has to call me for on terms of the life insurance. Like, that's what I didn't understand. It's like, why is the the the life insurance linked to my my super yeah. That's correct.\n\nYeah. I understand that. Yeah. But I want to know, like, why why yeah. Like, so if if but, yeah, I just didn't understand, like, why why how does sorry.\n\nOakview Financial, like, was so interested in calling me if I've missed the payment on life insurance. Like, life insurance is separate to Oakview. Yeah. So what if I what if I don't want that service? Like, I don't want like, what if I don't want on no.\n\nNo. No. No. What if I don't want advice on life insurance? What if I just want to, like, do it, like, with Suncorp and just with Suncorp, but I don't want, IG Financial, like, a part of it?\n\nIs that not an option? Yep. That's correct. Yep. Yeah.\n\nSo yeah. Because because my mindset is is okay. Look. I I I basically have employed OJ Financial to take care of my super side of things only. And then I've gone and done the same thing employed to say, Suncorp for my insurance and sort of thing.\n\nSo that's that's where it is in my mindset. So I'm sort of like, well, I don't want advice from from cross pollinations of of either parties, really. I just wanna that's just the way my mind works, if that makes sense. Correct. That's correct.\n\nSee, I thought the Oakview Financial advice came to me because of the the sign up with the Hub twenty four. So Hub twenty four and Oakview are two separate parties. It's a super provider. Correct. Yeah.\n\nYeah. So then so then what what do I need Oakview for then if if they're if they're separate? Yeah. So in the in the same breath though, they hear me out. So Hub twenty four and their and their specialist, they provide me with the same services in my within my super.\n\nCorrect? The Hub twenty four's advisers. Yep. Super advisers. Well, whatever you wanna call it.\n\nThey're the employees. Okay? So they they they call me up and they say, hey, Ben, we've got this investment. We're thinking about this for you, this for you, that that for you. You know, I get I get the emails and I'm like, you know, I can either say, yeah, or may decline.\n\nYes or no. And then Suncorp have the same advisers or employers that do the same thing that they, you know, they they do the same thing. Yep. On on on my insurance side of things. And then so OXY Financial used to do the same thing, but for both of them.\n\nBut my question is, okay, then if that's the case, then why do I need overview financial? If I've already got if I'm employing both those two parties in those respected companies to do those same things for me on behalf of my super and my insurance, then why do I need overview financial is my question if overview financial was separate to hub twenty four. Correct. Yep. Correct.\n\nYou're that that that they are a 100% correct. Obviously, I've experienced that because I've been with them for years and have not had one phone call from them. So you're right. Yes. Yep.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nYep. So so so sorry to cut cut you off. So part of your services, like what you're saying there, so so part of being a part of overview financial is receiving the financial advice as part of the services. Yep. So I can tap into that whenever I want.\n\nIs that what you're saying? Yeah. Two days ago. Oh, Caden. Sorry.\n\nYes. Yeah. No. You're right. Yeah.\n\nMy bad. Yeah. Yep. In the beginning of the year. Yep.\n\nYep. Okay. And so and so where do you sit in in in the letter of the officer? Your your Cadence boss? To say?\n\nYeah. Or his manager or his you're the head. Yep. So where so where are you to Kyle then? So I'm talking to the basically, I'm talking to the top dogs.\n\nOkay. So is this the first time that me and you have communicated? So are you offering that you're gonna take care of me then? Since we and and we can do something going forward? Yeah.\n\nWe could because I'm like, okay. So you you guys are offering these services. I'm sort of like, well, I actually need to get my, you know, my ducks in their own, like, have something going because I'm I'm pretty simple. But, man, I, you know, just for yeah. I work in a mine, so I run, like, you know, a crew of 50 blokes.\n\nSo pretty pretty flat out on on on the the labor side of things, but I need someone to like that's gonna look at my financials and go, hey, Ben. You know, what's your goals? Where do you need to go? This is how you achieve them. You know, I need some of the a bit of direction in layman's terms.\n\nYeah. Yeah. Yeah. Yeah. That's it.\n\nThat's what I'm looking for. Yep. Yeah. Sweet. So, yeah, obviously, I'm in a full time role.\n\nI'm trying to build up that super through you guys, you know, for the future because that's basically what OP sold me on. And and I must say, like, since changing the super from Colonial First, it's it's been good. Like, they've taken care of everything. Like, everything's transparent. I get all the printouts, all the emails.\n\nSo I'm tracking it, like, all good with that stuff, but I just need to get to the next stage. Like, where where can I go? I need to freaking buy a house. All the rest of it, so I need that sort of financial advice. Yeah.\n\nProbably in a few days because I've I've been today I've got an appointment at 12:30, so I've gotta, like, head to that. But but yeah. For sure. I I definitely need your assistance. Yep.\n\nNo. No. No. No. That's a lot of, like oh, look.\n\nYou've given me a call. I can just tell just, you know, you've got a bit of experience in your pocket. Like, not trying to put in on us down in the in the company. They've all been good, but I just need someone to tell it how it is. Look.\n\nThis is where I'm going. I'm pretty simple. If, yeah, if you give me the goals, I'll kick them. Yep. Yep.\n\nYep. Yes. Sweet. Yep. Oh, look.\n\nThat's that's that's no no dispute. I just think when he called me, I had just come off a fourteen hour shift. Like, I needed the questions to be pretty much like this is how it was like. Maybe I got him flustered with some of my comments. It's nothing against him.\n\nI would have like, I'm old school as they come. So I work with freaking filthy dirty men in a in a in a gold mine. You know? So we don't we don't take motion. We're just straight to the point.\n\nLook. Look, mate. I've got two minutes. Tell me what it is and what it's not. And I think he got a bit flustered there.\n\nThere's nothing against him. I was like, yeah. He could be cool at his job. I was just yeah. He called me off.\n\nYep. No. He did send me that email. I did read it. I was like, oh, poor fellow.\n\nI just yeah. Look. I've if you had a look at my emails, I've got literally thousands of mining emails that I go through, like, all day every day myself. And I'm like, man, I don't even know if I'm gonna be able to have a chance to respond to that one. You know, if I saw him pour his heart out, and I was like, poor fella.\n\nShe's probably gonna have trauma. But, you know, I'm I'm I'm all cool that sometimes I'm so busy. I look at I'm like, man, I've I've even because I haven't been in touch with I you do all have twenty four, five, sometimes I forget, like, how that sits in my schedule. So as long as we've got a whole lot of things coming through. But as you jog my memory, I'm like, okay.\n\nYeah. But that's what it was, and this is what it is. It's it's all good. So, yeah, I'm on I'm on a two and two roster, but it it it before Kyle called me, I was doing three months on, two weeks off overseas. So, you know, that was even harder to catch.\n\nSo now I'm I'm on a permanent role in Australia now. So, yeah, my roster is two and two. So I've just flown home yesterday. I'm WA. Yep.\n\nNo. Yep. Yep. Based in work there. Yep.\n\nLiving. Yep. Yeah. So so you might wanna put that on my records. Just next time, she's gonna do a nine 9AM Brisbane call.\n\nIt's like 06:30 here in WA. Yep. All good. All good. Well, I'll look for that email and then I'll get back to you.\n\nYep. Yeah. So we'll just leave that. We'll just don't even put a flag on that insurance thing. I know what it is now.\n\nLike, you that's the advice that you guys give me. No dramas. We'll leave it at that. And that that thing was a Suncorp. I don't know what's going on there.\n\nThat was just like a long time ago, and that's been squared up a long time ago as well. So I just think it was like a an accounts mishap there because I was like, what? They're calling you over $12. The last because that's what the pre yeah. Yeah.\n\nExactly. I was like, the premiums are $12 a month. Are you kidding me? Like yeah. I was there's an account to mix up, so not all good.\n\nToo easy. Thanks for the phone call, and you have a lovely day. Alright, mate. See you.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.88,"sentiment":"neutral","sentiment_score":0.030973730608820915},{"text":"Ben speaking.","start":0.88,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.028193769045174122},{"text":"You're not too bad yourself.","start":6.48,"end":7.7799997,"sentiment":"positive","sentiment_score":0.41238396167755126},{"text":"Yep.","start":12.48,"end":12.799999,"sentiment":"neutral","sentiment_score":0.1062655746936798},{"text":"Yep.","start":12.799999,"end":13.12,"sentiment":"neutral","sentiment_score":0.08110082894563675}],"sentiment":"neutral","sentiment_score":0.23366474807262422,"num_words":10,"start":0.48,"end":13.12},{"sentences":[{"text":"Go ahead.","start":13.12,"end":13.86,"sentiment":"neutral","sentiment_score":0.0762173980474472},{"text":"Yeah.","start":19.875,"end":20.035,"sentiment":"neutral","sentiment_score":0.05132114887237549},{"text":"Yep.","start":20.035,"end":20.355,"sentiment":"neutral","sentiment_score":0.09968771040439606},{"text":"It's all good.","start":20.355,"end":21.154999,"sentiment":"neutral","sentiment_score":0.2787155658006668},{"text":"Just to mention that your earpiece is sort of not that clear.","start":21.154999,"end":26.52,"sentiment":"neutral","sentiment_score":-0.19970820502688488}],"sentiment":"neutral","sentiment_score":-0.06615305829205011,"num_words":19,"start":13.12,"end":26.52},{"sentences":[{"text":"Yep.","start":29.560001,"end":29.880001,"sentiment":"neutral","sentiment_score":-0.011269907467067242},{"text":"Yeah.","start":29.880001,"end":30.28,"sentiment":"neutral","sentiment_score":-0.01517912745475769},{"text":"Yeah.","start":30.28,"end":30.52,"sentiment":"neutral","sentiment_score":-0.019335605204105377},{"text":"Keep talking.","start":30.52,"end":31.08,"sentiment":"neutral","sentiment_score":-0.04160950146615505},{"text":"I'll let you know.","start":31.08,"end":32.06,"sentiment":"neutral","sentiment_score":-0.0052850148640573025}],"sentiment":"neutral","sentiment_score":-0.016682633612718847,"num_words":9,"start":29.560001,"end":32.06},{"sentences":[{"text":"Yep.","start":35.24,"end":35.72,"sentiment":"neutral","sentiment_score":0.18112556636333463},{"text":"Sweet.","start":35.72,"end":36.22,"sentiment":"neutral","sentiment_score":0.1950345039367676},{"text":"Yep.","start":56.235,"end":56.735,"sentiment":"neutral","sentiment_score":-0.1516108214855194},{"text":"Mhmm.","start":62.27,"end":62.77,"sentiment":"neutral","sentiment_score":-0.0765022486448288},{"text":"Mhmm.","start":71.79,"end":72.255,"sentiment":"neutral","sentiment_score":-0.060358766466379166}],"sentiment":"neutral","sentiment_score":0.017537646740674973,"num_words":5,"start":35.24,"end":72.255},{"sentences":[{"text":"Yeah.","start":105.955,"end":106.19501,"sentiment":"neutral","sentiment_score":-0.06114627420902252},{"text":"So my my question to Caden was why is that what why is is that such a thing like an obligation that, like, Hub twenty four has to call me for on terms of the life insurance.","start":106.19501,"end":118.32,"sentiment":"neutral","sentiment_score":-0.16843636253395597},{"text":"Like, that's what I didn't understand.","start":118.380005,"end":120.060005,"sentiment":"neutral","sentiment_score":-0.26398460815350216},{"text":"It's like, why is the the the life insurance linked to my my super yeah.","start":120.060005,"end":125.28001,"sentiment":"neutral","sentiment_score":-0.15334880103667578},{"text":"That's correct.","start":133.885,"end":134.525,"sentiment":"neutral","sentiment_score":0.15480279922485352}],"sentiment":"neutral","sentiment_score":-0.1617676353112596,"num_words":61,"start":105.955,"end":134.525},{"sentences":[{"text":"Yeah.","start":134.525,"end":134.685,"sentiment":"neutral","sentiment_score":0.07625076174736023},{"text":"I understand that.","start":134.685,"end":135.56499,"sentiment":"neutral","sentiment_score":0.043660666793584824},{"text":"Yeah.","start":135.56499,"end":136.06499,"sentiment":"neutral","sentiment_score":0.01007484458386898},{"text":"But I want to know, like, why why yeah.","start":136.605,"end":139.165,"sentiment":"neutral","sentiment_score":-0.1937756066521009},{"text":"Like, so if if but, yeah, I just didn't understand, like, why why how does sorry.","start":139.165,"end":145.38,"sentiment":"neutral","sentiment_score":-0.29298461601138115}],"sentiment":"neutral","sentiment_score":-0.2071475569779674,"num_words":30,"start":134.525,"end":145.38},{"sentences":[{"text":"Oakview Financial, like, was so interested in calling me if I've missed the payment on life insurance.","start":145.38,"end":151.8,"sentiment":"neutral","sentiment_score":-0.18485988325932445},{"text":"Like, life insurance is separate to Oakview.","start":151.86,"end":155.08,"sentiment":"neutral","sentiment_score":-0.08496481233409472},{"text":"Yeah.","start":209.295,"end":209.53499,"sentiment":"neutral","sentiment_score":-0.15289700031280518},{"text":"So what if I what if I don't want that service?","start":209.53499,"end":211.875,"sentiment":"negative","sentiment_score":-0.35454825921492145},{"text":"Like, I don't want like, what if I don't want on no.","start":215.855,"end":218.495,"sentiment":"neutral","sentiment_score":-0.2958956335981687}],"sentiment":"neutral","sentiment_score":-0.23627181576254466,"num_words":48,"start":145.38,"end":218.495},{"sentences":[{"text":"No.","start":218.495,"end":218.575,"sentiment":"negative","sentiment_score":-0.3448762893676758},{"text":"No.","start":218.575,"end":218.735,"sentiment":"negative","sentiment_score":-0.352975070476532},{"text":"No.","start":218.735,"end":218.97499,"sentiment":"negative","sentiment_score":-0.35713696479797363},{"text":"What if I don't want advice on life insurance?","start":218.97499,"end":222.01999,"sentiment":"negative","sentiment_score":-0.37862691945499843},{"text":"What if I just want to, like, do it, like, with Suncorp and just with Suncorp, but I don't want, IG Financial, like, a part of it?","start":222.31999,"end":230.18,"sentiment":"neutral","sentiment_score":-0.31958188668445303}],"sentiment":"negative","sentiment_score":-0.33567542410813844,"num_words":39,"start":218.495,"end":230.18},{"sentences":[{"text":"Is that not an option?","start":230.23999,"end":231.37999,"sentiment":"negative","sentiment_score":-0.4402633845806122},{"text":"Yep.","start":241.16501,"end":241.66501,"sentiment":"neutral","sentiment_score":-0.18634164333343503},{"text":"That's correct.","start":254.40001,"end":255.04001,"sentiment":"neutral","sentiment_score":0.06612890586256981},{"text":"Yep.","start":255.04001,"end":255.54001,"sentiment":"neutral","sentiment_score":0.03931564837694168},{"text":"Yeah.","start":286.645,"end":286.805,"sentiment":"neutral","sentiment_score":0.1674976646900177}],"sentiment":"neutral","sentiment_score":-0.2048587441444397,"num_words":10,"start":230.23999,"end":286.805},{"sentences":[{"text":"So yeah.","start":286.805,"end":287.365,"sentiment":"neutral","sentiment_score":0.11757051199674606},{"text":"Because because my mindset is is okay.","start":287.365,"end":288.965,"sentiment":"neutral","sentiment_score":0.174868928534644},{"text":"Look.","start":288.965,"end":289.465,"sentiment":"neutral","sentiment_score":0.14623281359672546},{"text":"I I I basically have employed OJ Financial to take care of my super side of things only.","start":289.685,"end":296.965,"sentiment":"neutral","sentiment_score":0.10966869071125984},{"text":"And then I've gone and done the same thing employed to say, Suncorp for my insurance and sort of thing.","start":296.965,"end":304.84,"sentiment":"neutral","sentiment_score":0.05185955110937357}],"sentiment":"neutral","sentiment_score":0.09618091234005988,"num_words":48,"start":286.805,"end":304.84},{"sentences":[{"text":"So that's that's where it is in my mindset.","start":304.84,"end":306.43997,"sentiment":"neutral","sentiment_score":0.06312467737330331},{"text":"So I'm sort of like, well, I don't want advice from from cross pollinations of of either parties, really.","start":306.43997,"end":312.28,"sentiment":"neutral","sentiment_score":-0.055759173205220385},{"text":"I just wanna that's just the way my mind works, if that makes sense.","start":312.28,"end":317.345,"sentiment":"neutral","sentiment_score":0.026349307703120366},{"text":"Correct.","start":331.89,"end":332.39,"sentiment":"neutral","sentiment_score":0.012883560732007028},{"text":"That's correct.","start":363.28,"end":364.02,"sentiment":"neutral","sentiment_score":0.10203970782458782}],"sentiment":"neutral","sentiment_score":0.00210113532634245,"num_words":45,"start":304.84,"end":364.02},{"sentences":[{"text":"See, I thought the Oakview Financial advice came to me because of the the sign up with the Hub twenty four.","start":387.75,"end":395.03,"sentiment":"neutral","sentiment_score":-0.20532554104214623},{"text":"So Hub twenty four and Oakview are two separate parties.","start":395.03,"end":398.49,"sentiment":"neutral","sentiment_score":-0.08621029183268547},{"text":"It's a super provider.","start":400.155,"end":404.575,"sentiment":"neutral","sentiment_score":0.0038958461955189705},{"text":"Correct.","start":404.715,"end":404.955,"sentiment":"neutral","sentiment_score":0.022891219705343246},{"text":"Yeah.","start":404.955,"end":405.195,"sentiment":"neutral","sentiment_score":0.0135036651045084}],"sentiment":"neutral","sentiment_score":-0.13843137866540536,"num_words":37,"start":387.75,"end":405.195},{"sentences":[{"text":"Yeah.","start":405.195,"end":405.51498,"sentiment":"neutral","sentiment_score":0.009538013488054276},{"text":"So then so then what what do I need Oakview for then if if they're if they're separate?","start":405.51498,"end":412.89,"sentiment":"neutral","sentiment_score":-0.05589900445193052},{"text":"Yeah.","start":465.63,"end":465.87,"sentiment":"neutral","sentiment_score":0.020424580201506615},{"text":"So in the in the same breath though, they hear me out.","start":465.87,"end":468.35,"sentiment":"neutral","sentiment_score":-0.1326696015894413},{"text":"So Hub twenty four and their and their specialist, they provide me with the same services in my within my super.","start":468.35,"end":475.38998,"sentiment":"neutral","sentiment_score":0.02003568464091846}],"sentiment":"neutral","sentiment_score":-0.040518968453947105,"num_words":53,"start":405.195,"end":475.38998},{"sentences":[{"text":"Correct?","start":475.38998,"end":475.725,"sentiment":"neutral","sentiment_score":0.0029572565108537674},{"text":"The Hub twenty four's advisers.","start":479.805,"end":481.42502,"sentiment":"neutral","sentiment_score":-0.011725913360714912},{"text":"Yep.","start":481.725,"end":482.225,"sentiment":"neutral","sentiment_score":-0.12910713255405426},{"text":"Super advisers.","start":483.165,"end":483.98502,"sentiment":"neutral","sentiment_score":-0.29729093611240387},{"text":"Well, whatever you wanna call it.","start":484.685,"end":486.125,"sentiment":"neutral","sentiment_score":-0.24636772274971008}],"sentiment":"neutral","sentiment_score":-0.1505045101046562,"num_words":15,"start":475.38998,"end":486.125},{"sentences":[{"text":"They're the employees.","start":486.125,"end":486.92502,"sentiment":"neutral","sentiment_score":-0.20620604356129965},{"text":"Okay?","start":486.92502,"end":487.245,"sentiment":"neutral","sentiment_score":-0.12160924077033997},{"text":"So they they they call me up and they say, hey, Ben, we've got this investment.","start":487.245,"end":490.97,"sentiment":"neutral","sentiment_score":-0.32745814323425293},{"text":"We're thinking about this for you, this for you, that that for you.","start":490.97,"end":493.13,"sentiment":"neutral","sentiment_score":0.19374799269896287},{"text":"You know, I get I get the emails and I'm like, you know, I can either say, yeah, or may decline.","start":493.13,"end":497.15,"sentiment":"neutral","sentiment_score":-0.053875528453361424}],"sentiment":"neutral","sentiment_score":-0.08504110843771034,"num_words":54,"start":486.125,"end":497.15},{"sentences":[{"text":"Yes or no.","start":497.28998,"end":498.27,"sentiment":"neutral","sentiment_score":-0.09621078272660573},{"text":"And then Suncorp have the same advisers or employers that do the same thing that they, you know, they they do the same thing.","start":498.56998,"end":505.955,"sentiment":"neutral","sentiment_score":-0.01942766923457384},{"text":"Yep.","start":506.095,"end":506.335,"sentiment":"neutral","sentiment_score":0.04759809374809265},{"text":"On on on my insurance side of things.","start":506.335,"end":508.735,"sentiment":"neutral","sentiment_score":0.011431310791522264},{"text":"And then so OXY Financial used to do the same thing, but for both of them.","start":508.735,"end":514.175,"sentiment":"neutral","sentiment_score":0.014210539171472192}],"sentiment":"neutral","sentiment_score":-0.007470753903572376,"num_words":52,"start":497.28998,"end":514.175},{"sentences":[{"text":"But my question is, okay, then if that's the case, then why do I need overview financial?","start":514.175,"end":518.6,"sentiment":"neutral","sentiment_score":-0.028975562028148594},{"text":"If I've already got if I'm employing both those two parties in those respected companies to do those same things for me on behalf of my super and my insurance, then why do I need overview financial is my question if overview financial was separate to hub twenty four.","start":519.14,"end":543.055,"sentiment":"neutral","sentiment_score":0.013597096896217185},{"text":"Correct.","start":543.515,"end":544.015,"sentiment":"neutral","sentiment_score":0.031798675656318665},{"text":"Yep.","start":574.67004,"end":575.17004,"sentiment":"neutral","sentiment_score":0.05809122323989868},{"text":"Correct.","start":590.925,"end":591.245,"sentiment":"neutral","sentiment_score":0.0037149041891098022}],"sentiment":"neutral","sentiment_score":0.003873594152484683,"num_words":69,"start":514.175,"end":591.245},{"sentences":[{"text":"You're that that that they are a 100% correct.","start":591.245,"end":593.82495,"sentiment":"neutral","sentiment_score":0.025306349620223045},{"text":"Obviously, I've experienced that because I've been with them for years and have not had one phone call from them.","start":594.20496,"end":598.64,"sentiment":"neutral","sentiment_score":-0.14031378664076327},{"text":"So you're right.","start":598.64,"end":599.2,"sentiment":"neutral","sentiment_score":0.04877894806365172},{"text":"Yes.","start":599.2,"end":599.7,"sentiment":"neutral","sentiment_score":0.09756781905889512},{"text":"Yep.","start":608.8,"end":609.195,"sentiment":"neutral","sentiment_score":0.13165603578090668}],"sentiment":"neutral","sentiment_score":-0.06479287903536768,"num_words":34,"start":591.245,"end":609.195},{"sentences":[{"text":"Yep.","start":639.90497,"end":640.40497,"sentiment":"neutral","sentiment_score":0.038602687418460846},{"text":"Yep.","start":661.025,"end":661.34503,"sentiment":"neutral","sentiment_score":-0.07937932014465332},{"text":"Yep.","start":661.34503,"end":661.665,"sentiment":"neutral","sentiment_score":-0.03207867965102196},{"text":"Yep.","start":661.665,"end":662.165,"sentiment":"neutral","sentiment_score":0.06953464448451996},{"text":"Mhmm.","start":680.80005,"end":681.30005,"sentiment":"neutral","sentiment_score":0.03256761655211449}],"sentiment":"neutral","sentiment_score":0.005849389731884003,"num_words":5,"start":639.90497,"end":681.30005},{"sentences":[{"text":"Yep.","start":696.495,"end":696.995,"sentiment":"neutral","sentiment_score":0.1748557984828949},{"text":"So so so sorry to cut cut you off.","start":700.69,"end":703.19,"sentiment":"neutral","sentiment_score":-0.2778591968946987},{"text":"So part of your services, like what you're saying there, so so part of being a part of overview financial is receiving the financial advice as part of the services.","start":703.25,"end":719.505,"sentiment":"neutral","sentiment_score":0.02796823587268591},{"text":"Yep.","start":719.805,"end":720.305,"sentiment":"neutral","sentiment_score":0.1129508912563324},{"text":"So I can tap into that whenever I want.","start":720.365,"end":723.245,"sentiment":"neutral","sentiment_score":0.20112612512376574}],"sentiment":"neutral","sentiment_score":0.008725122399628162,"num_words":50,"start":696.495,"end":723.245},{"sentences":[{"text":"Is that what you're saying?","start":723.245,"end":724.63995,"sentiment":"neutral","sentiment_score":0.1281432881951332},{"text":"Yeah.","start":737.81995,"end":738.13995,"sentiment":"neutral","sentiment_score":0.05470536649227142},{"text":"Two days ago.","start":738.13995,"end":739.005,"sentiment":"neutral","sentiment_score":0.030050011351704597},{"text":"Oh, Caden.","start":742.28503,"end":742.84503,"sentiment":"neutral","sentiment_score":-0.0037268134765326977},{"text":"Sorry.","start":742.84503,"end":743.085,"sentiment":"neutral","sentiment_score":-0.03341399133205414}],"sentiment":"neutral","sentiment_score":0.06205868526982764,"num_words":12,"start":723.245,"end":743.085},{"sentences":[{"text":"Yes.","start":743.085,"end":743.325,"sentiment":"neutral","sentiment_score":-0.008696364238858223},{"text":"Yeah.","start":743.325,"end":743.485,"sentiment":"neutral","sentiment_score":-0.019193828105926514},{"text":"No.","start":743.485,"end":743.725,"sentiment":"neutral","sentiment_score":-0.04276402294635773},{"text":"You're right.","start":743.725,"end":743.965,"sentiment":"neutral","sentiment_score":0.0757577046751976},{"text":"Yeah.","start":743.965,"end":744.125,"sentiment":"neutral","sentiment_score":-0.0019171927124261856}],"sentiment":"neutral","sentiment_score":0.013157333557804426,"num_words":6,"start":743.085,"end":744.125},{"sentences":[{"text":"My bad.","start":744.125,"end":744.525,"sentiment":"neutral","sentiment_score":-0.10479658469557762},{"text":"Yeah.","start":744.525,"end":744.84503,"sentiment":"neutral","sentiment_score":0.08317069709300995},{"text":"Yep.","start":744.84503,"end":745.34503,"sentiment":"neutral","sentiment_score":0.09284304827451706},{"text":"In the beginning of the year.","start":748.28503,"end":749.665,"sentiment":"neutral","sentiment_score":0.0806224172314008},{"text":"Yep.","start":751.565,"end":751.86,"sentiment":"neutral","sentiment_score":0.08086487650871277}],"sentiment":"neutral","sentiment_score":0.04827454144304449,"num_words":11,"start":744.125,"end":751.86},{"sentences":[{"text":"Yep.","start":762.82,"end":762.98,"sentiment":"neutral","sentiment_score":0.1072290763258934},{"text":"Okay.","start":762.98,"end":763.45996,"sentiment":"neutral","sentiment_score":0.07815834134817123},{"text":"And so and so where do you sit in in in the letter of the officer?","start":763.45996,"end":767.675,"sentiment":"neutral","sentiment_score":0.020176386809907854},{"text":"Your your Cadence boss?","start":767.675,"end":769.935,"sentiment":"neutral","sentiment_score":0.0030067043844610453},{"text":"To say?","start":772.235,"end":772.815,"sentiment":"neutral","sentiment_score":0.0029122699052095413}],"sentiment":"neutral","sentiment_score":0.021919206832535565,"num_words":24,"start":762.82,"end":772.815},{"sentences":[{"text":"Yeah.","start":774.71497,"end":775.115,"sentiment":"neutral","sentiment_score":0.024575430899858475},{"text":"Or his manager or his you're the head.","start":775.115,"end":780.99,"sentiment":"neutral","sentiment_score":0.01771257445216179},{"text":"Yep.","start":782.08997,"end":782.33,"sentiment":"neutral","sentiment_score":0.0695042535662651},{"text":"So where so where are you to Kyle then?","start":782.33,"end":784.43,"sentiment":"neutral","sentiment_score":0.04060414826704396},{"text":"So I'm talking to the basically, I'm talking to the top dogs.","start":789.13,"end":792.655,"sentiment":"neutral","sentiment_score":0.04504380871852239}],"sentiment":"neutral","sentiment_score":0.03683042964868007,"num_words":31,"start":774.71497,"end":792.655},{"sentences":[{"text":"Okay.","start":792.655,"end":793.055,"sentiment":"neutral","sentiment_score":0.08430452644824982},{"text":"So is this the first time that me and you have communicated?","start":793.055,"end":796.515,"sentiment":"neutral","sentiment_score":0.08121959989269574},{"text":"So are you offering that you're gonna take care of me then?","start":800.015,"end":802.68,"sentiment":"neutral","sentiment_score":0.1968206154803435},{"text":"Since we and and we can do something going forward?","start":803.08,"end":805.98,"sentiment":"neutral","sentiment_score":0.18145781010389328},{"text":"Yeah.","start":814.04,"end":814.36,"sentiment":"neutral","sentiment_score":0.222646564245224}],"sentiment":"neutral","sentiment_score":0.15161143822802436,"num_words":36,"start":792.655,"end":814.36},{"sentences":[{"text":"We could because I'm like, okay.","start":814.36,"end":816.54,"sentiment":"neutral","sentiment_score":0.2228040893872579},{"text":"So you you guys are offering these services.","start":816.635,"end":818.795,"sentiment":"neutral","sentiment_score":0.24035911820828915},{"text":"I'm sort of like, well, I actually need to get my, you know, my ducks in their own, like, have something going because I'm I'm pretty simple.","start":818.795,"end":825.295,"sentiment":"neutral","sentiment_score":0.1331873345706198},{"text":"But, man, I, you know, just for yeah.","start":825.755,"end":827.595,"sentiment":"neutral","sentiment_score":0.027840951224789023},{"text":"I work in a mine, so I run, like, you know, a crew of 50 blokes.","start":827.595,"end":831.195,"sentiment":"neutral","sentiment_score":0.015566825633868575}],"sentiment":"neutral","sentiment_score":0.11273157438979699,"num_words":65,"start":814.36,"end":831.195},{"sentences":[{"text":"So pretty pretty flat out on on on the the labor side of things, but I need someone to like that's gonna look at my financials and go, hey, Ben.","start":831.195,"end":838.39,"sentiment":"neutral","sentiment_score":0.07572065529723962},{"text":"You know, what's your goals?","start":838.69,"end":840.13,"sentiment":"neutral","sentiment_score":0.11022465378046035},{"text":"Where do you need to go?","start":840.13,"end":840.85004,"sentiment":"neutral","sentiment_score":0.06730484714110692},{"text":"This is how you achieve them.","start":840.85004,"end":841.97003,"sentiment":"positive","sentiment_score":0.5658876647551855},{"text":"You know, I need some of the a bit of direction in layman's terms.","start":841.97003,"end":845.35004,"sentiment":"neutral","sentiment_score":0.21255346440843173}],"sentiment":"neutral","sentiment_score":0.15733846722811948,"num_words":61,"start":831.195,"end":845.35004},{"sentences":[{"text":"Yeah.","start":851.885,"end":852.385,"sentiment":"neutral","sentiment_score":0.2373252958059311},{"text":"Yeah.","start":853.485,"end":853.985,"sentiment":"neutral","sentiment_score":0.205792099237442},{"text":"Yeah.","start":856.525,"end":856.765,"sentiment":"neutral","sentiment_score":0.13677477836608887},{"text":"Yeah.","start":856.765,"end":856.925,"sentiment":"neutral","sentiment_score":0.13890886306762695},{"text":"That's it.","start":856.925,"end":857.325,"sentiment":"neutral","sentiment_score":0.12074734270572662}],"sentiment":"neutral","sentiment_score":0.1600492869814237,"num_words":6,"start":851.885,"end":857.325},{"sentences":[{"text":"That's what I'm looking 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assistance.","start":909.215,"end":910.675,"sentiment":"neutral","sentiment_score":0.07868599022428195},{"text":"Yep.","start":913.375,"end":913.8,"sentiment":"neutral","sentiment_score":0.05387543886899948}],"sentiment":"neutral","sentiment_score":0.036337630503943986,"num_words":35,"start":900.335,"end":913.8},{"sentences":[{"text":"No.","start":919.39996,"end":919.64,"sentiment":"neutral","sentiment_score":-0.1359965205192566},{"text":"No.","start":919.64,"end":919.72,"sentiment":"neutral","sentiment_score":-0.16050304472446442},{"text":"No.","start":919.72,"end":919.88,"sentiment":"neutral","sentiment_score":-0.17560729384422302},{"text":"No.","start":919.88,"end":919.95996,"sentiment":"neutral","sentiment_score":-0.2089668959379196},{"text":"That's a lot of, like oh, 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is.","start":928.315,"end":931.035,"sentiment":"neutral","sentiment_score":0.25924619535605115},{"text":"Look.","start":931.035,"end":931.27496,"sentiment":"neutral","sentiment_score":0.25173714756965637}],"sentiment":"neutral","sentiment_score":0.09219454701957933,"num_words":51,"start":921.39996,"end":931.27496},{"sentences":[{"text":"This is where I'm going.","start":931.27496,"end":932.07495,"sentiment":"neutral","sentiment_score":0.30362154841423034},{"text":"I'm pretty simple.","start":932.07495,"end":932.875,"sentiment":"positive","sentiment_score":0.4348527491092682},{"text":"If, yeah, if you give me the goals, I'll kick them.","start":932.875,"end":935.21497,"sentiment":"neutral","sentiment_score":0.25851207971572876},{"text":"Yep.","start":950.26,"end":950.76,"sentiment":"neutral","sentiment_score":0.1368507444858551},{"text":"Yep.","start":952.66,"end":953.145,"sentiment":"neutral","sentiment_score":0.07462102174758911}],"sentiment":"neutral","sentiment_score":0.2798938396431151,"num_words":21,"start":931.27496,"end":953.145},{"sentences":[{"text":"Yep.","start":965.065,"end":965.565,"sentiment":"neutral","sentiment_score":0.05908938497304917},{"text":"Yes.","start":966.025,"end":966.505,"sentiment":"neutral","sentiment_score":0.19783899188041687},{"text":"Sweet.","start":966.505,"end":967.005,"sentiment":"neutral","sentiment_score":0.2930113673210144},{"text":"Yep.","start":978.91003,"end":979.31,"sentiment":"neutral","sentiment_score":0.16914522647857666},{"text":"Oh, 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him.","start":990.915,"end":991.875,"sentiment":"neutral","sentiment_score":-0.18545877188444138}],"sentiment":"neutral","sentiment_score":-0.06051982032994811,"num_words":52,"start":979.71,"end":991.875},{"sentences":[{"text":"I would have like, I'm old school as they come.","start":991.875,"end":993.795,"sentiment":"neutral","sentiment_score":-0.23583467900753022},{"text":"So I work with freaking filthy dirty men in a in a in a gold mine.","start":993.795,"end":998.115,"sentiment":"neutral","sentiment_score":-0.24360591266304255},{"text":"You know?","start":998.115,"end":998.435,"sentiment":"neutral","sentiment_score":-0.0492211002856493},{"text":"So we don't we don't take motion.","start":998.435,"end":1000.26996,"sentiment":"neutral","sentiment_score":-0.05782785213419369},{"text":"We're just straight to the point.","start":1000.26996,"end":1001.14996,"sentiment":"neutral","sentiment_score":0.033539148047566414}],"sentiment":"neutral","sentiment_score":-0.15995228463193265,"num_words":41,"start":991.875,"end":1001.14996},{"sentences":[{"text":"Look.","start":1001.14996,"end":1001.31,"sentiment":"neutral","sentiment_score":0.013180475682020187},{"text":"Look, mate.","start":1001.31,"end":1001.62994,"sentiment":"neutral","sentiment_score":0.03743779193609953},{"text":"I've got two minutes.","start":1001.62994,"end":1002.26996,"sentiment":"neutral","sentiment_score":0.029991315212100744},{"text":"Tell me what it is and what it's not.","start":1002.26996,"end":1003.70996,"sentiment":"neutral","sentiment_score":0.006332726217806339},{"text":"And I think he got a bit flustered there.","start":1003.70996,"end":1005.38995,"sentiment":"neutral","sentiment_score":-0.2208020562926928}],"sentiment":"neutral","sentiment_score":-0.06888810601085424,"num_words":25,"start":1001.14996,"end":1005.38995},{"sentences":[{"text":"There's nothing against him.","start":1005.38995,"end":1006.26996,"sentiment":"neutral","sentiment_score":-0.10037279827520251},{"text":"I was like, yeah.","start":1006.26996,"end":1006.75,"sentiment":"neutral","sentiment_score":-0.05040304269641638},{"text":"He could be cool at his job.","start":1006.75,"end":1007.94995,"sentiment":"neutral","sentiment_score":0.24545687224183763},{"text":"I was just yeah.","start":1007.94995,"end":1008.99,"sentiment":"neutral","sentiment_score":-0.07110798172652721},{"text":"He called me off.","start":1008.99,"end":1009.97,"sentiment":"neutral","sentiment_score":-0.20882825925946236}],"sentiment":"neutral","sentiment_score":-0.00020218357119871342,"num_words":23,"start":1005.38995,"end":1009.97},{"sentences":[{"text":"Yep.","start":1021.265,"end":1021.765,"sentiment":"neutral","sentiment_score":0.1485014408826828},{"text":"No.","start":1032.48,"end":1032.64,"sentiment":"neutral","sentiment_score":-0.007122000679373741},{"text":"He did send me that email.","start":1032.64,"end":1033.76,"sentiment":"neutral","sentiment_score":0.014004580366114775},{"text":"I did read it.","start":1033.76,"end":1034.3201,"sentiment":"neutral","sentiment_score":0.01085680816322565},{"text":"I was like, oh, poor fellow.","start":1034.3201,"end":1035.36,"sentiment":"neutral","sentiment_score":-0.11268790221462648}],"sentiment":"neutral","sentiment_score":-0.02262740323526992,"num_words":18,"start":1021.265,"end":1035.36},{"sentences":[{"text":"I just yeah.","start":1035.36,"end":1036.3201,"sentiment":"neutral","sentiment_score":-0.1301747386654218},{"text":"Look.","start":1036.3201,"end":1036.64,"sentiment":"neutral","sentiment_score":-0.028561439365148544},{"text":"I've if you had a look at my emails, I've got literally thousands of mining emails that I go through, like, all day every day myself.","start":1036.64,"end":1042.365,"sentiment":"neutral","sentiment_score":-0.04156218433322815},{"text":"And I'm like, man, I don't even know if I'm gonna be able to have a chance to respond to that one.","start":1042.365,"end":1046.225,"sentiment":"neutral","sentiment_score":-0.03723966144025326},{"text":"You know, if I saw him pour his heart out, and I was like, poor fella.","start":1046.285,"end":1049.165,"sentiment":"neutral","sentiment_score":-0.2275904193520546}],"sentiment":"neutral","sentiment_score":-0.08765326043152634,"num_words":68,"start":1035.36,"end":1049.165},{"sentences":[{"text":"She's probably gonna have trauma.","start":1049.165,"end":1050.625,"sentiment":"negative","sentiment_score":-0.3522724866867065},{"text":"But, you know, I'm I'm I'm all cool that sometimes I'm so busy.","start":1055.2899,"end":1057.85,"sentiment":"neutral","sentiment_score":0.10091570736123966},{"text":"I look at I'm like, man, I've I've even because I haven't been in touch with I you do all have twenty four, five, sometimes I forget, like, how that sits in my schedule.","start":1057.85,"end":1065.39,"sentiment":"neutral","sentiment_score":0.07240045234999236},{"text":"So as long as we've got a whole lot of things coming through.","start":1065.855,"end":1068.095,"sentiment":"neutral","sentiment_score":0.0972285305078213},{"text":"But as you jog my memory, I'm like, okay.","start":1068.095,"end":1069.855,"sentiment":"neutral","sentiment_score":0.12279751648505528}],"sentiment":"neutral","sentiment_score":0.059206833609858074,"num_words":74,"start":1049.165,"end":1069.855},{"sentences":[{"text":"Yeah.","start":1069.855,"end":1070.175,"sentiment":"neutral","sentiment_score":0.10655033588409424},{"text":"But that's what it was, and this is what it is.","start":1070.175,"end":1072.195,"sentiment":"neutral","sentiment_score":0.2868190082636746},{"text":"It's it's all good.","start":1072.735,"end":1074.115,"sentiment":"positive","sentiment_score":0.48133910447359085},{"text":"So, yeah, I'm on I'm on a two and two roster, but it it it before Kyle called me, I was doing three months on, two weeks off overseas.","start":1078.25,"end":1086.3501,"sentiment":"neutral","sentiment_score":-0.0004741542747822302},{"text":"So, you know, that was even harder to catch.","start":1086.41,"end":1088.5901,"sentiment":"neutral","sentiment_score":-0.08059644657704565}],"sentiment":"neutral","sentiment_score":0.08236661762068118,"num_words":54,"start":1069.855,"end":1088.5901},{"sentences":[{"text":"So now I'm I'm on a permanent role in Australia now.","start":1088.81,"end":1091.2101,"sentiment":"neutral","sentiment_score":0.02310398305681619},{"text":"So, yeah, my roster is two and two.","start":1091.2101,"end":1092.81,"sentiment":"neutral","sentiment_score":0.055852250661700964},{"text":"So I've just flown home yesterday.","start":1092.81,"end":1095.5431,"sentiment":"neutral","sentiment_score":0.16809840127825737},{"text":"I'm WA.","start":1095.6724,"end":1096.8018,"sentiment":"positive","sentiment_score":0.3567130006849766},{"text":"Yep.","start":1096.931,"end":1097.431,"sentiment":"neutral","sentiment_score":0.03282325714826584}],"sentiment":"neutral","sentiment_score":0.08770719589665532,"num_words":28,"start":1088.81,"end":1097.431},{"sentences":[{"text":"No.","start":1097.5604,"end":1098.0604,"sentiment":"neutral","sentiment_score":-0.016777219250798225},{"text":"Yep.","start":1098.1897,"end":1098.6897,"sentiment":"neutral","sentiment_score":-0.000885824381839484},{"text":"Yep.","start":1098.8191,"end":1099.3191,"sentiment":"neutral","sentiment_score":0.006152688525617123},{"text":"Based in work there.","start":1099.4484,"end":1101.8364,"sentiment":"neutral","sentiment_score":0.005745170288719237},{"text":"Yep.","start":1101.9657,"end":1102.4657,"sentiment":"neutral","sentiment_score":0.06924280524253845}],"sentiment":"neutral","sentiment_score":0.010089141411299352,"num_words":8,"start":1097.5604,"end":1102.4657},{"sentences":[{"text":"Living.","start":1102.5951,"end":1103.0951,"sentiment":"neutral","sentiment_score":0.15087275207042694},{"text":"Yep.","start":1103.155,"end":1103.655,"sentiment":"neutral","sentiment_score":0.14934347569942474},{"text":"Yeah.","start":1107.79,"end":1107.9501,"sentiment":"neutral","sentiment_score":0.1247832179069519},{"text":"So so you might wanna put that on my records.","start":1107.9501,"end":1109.79,"sentiment":"neutral","sentiment_score":0.10726125277578831},{"text":"Just next time, she's gonna do a nine 9AM Brisbane call.","start":1109.79,"end":1112.75,"sentiment":"neutral","sentiment_score":0.023604210635477848}],"sentiment":"neutral","sentiment_score":0.07321909543437262,"num_words":24,"start":1102.5951,"end":1112.75},{"sentences":[{"text":"It's like 06:30 here in WA.","start":1112.75,"end":1114.77,"sentiment":"neutral","sentiment_score":0.029637273401021957},{"text":"Yep.","start":1118.91,"end":1119.41,"sentiment":"neutral","sentiment_score":0.11477585881948472},{"text":"All good.","start":1123.8251,"end":1124.305,"sentiment":"positive","sentiment_score":0.45745086669921875},{"text":"All good.","start":1124.305,"end":1124.9651,"sentiment":"neutral","sentiment_score":0.31757567822933197},{"text":"Well, I'll look for that email and then I'll get back to you.","start":1125.425,"end":1128.485,"sentiment":"neutral","sentiment_score":0.09134787378402856}],"sentiment":"neutral","sentiment_score":0.12625728951146206,"num_words":24,"start":1112.75,"end":1128.485},{"sentences":[{"text":"Yep.","start":1133.265,"end":1133.765,"sentiment":"neutral","sentiment_score":0.061609771102666855},{"text":"Yeah.","start":1136.89,"end":1137.13,"sentiment":"neutral","sentiment_score":0.005499477963894606},{"text":"So we'll just leave that.","start":1137.13,"end":1138.01,"sentiment":"neutral","sentiment_score":-0.004962698114104569},{"text":"We'll just don't even put a flag on that insurance thing.","start":1138.01,"end":1140.1699,"sentiment":"neutral","sentiment_score":-0.05947138335217129},{"text":"I know what it is now.","start":1140.1699,"end":1141.13,"sentiment":"neutral","sentiment_score":-0.024277009069919586}],"sentiment":"neutral","sentiment_score":-0.031564646366556794,"num_words":24,"start":1133.265,"end":1141.13},{"sentences":[{"text":"Like, you that's the advice that you guys give me.","start":1141.13,"end":1144.25,"sentiment":"neutral","sentiment_score":0.019398606009781362},{"text":"No dramas.","start":1144.25,"end":1145.07,"sentiment":"neutral","sentiment_score":-0.05185041390359402},{"text":"We'll leave it at that.","start":1145.21,"end":1146.09,"sentiment":"neutral","sentiment_score":-0.03578757718205452},{"text":"And that that thing was a Suncorp.","start":1146.09,"end":1150.51,"sentiment":"neutral","sentiment_score":-0.07222517313701766},{"text":"I don't know what's going on there.","start":1150.8251,"end":1151.625,"sentiment":"neutral","sentiment_score":-0.12173626252583095}],"sentiment":"neutral","sentiment_score":-0.04665750655676088,"num_words":31,"start":1141.13,"end":1151.625},{"sentences":[{"text":"That was just like a long time ago, and that's been squared up a long time ago as well.","start":1151.625,"end":1155.865,"sentiment":"neutral","sentiment_score":-0.09801629577812396},{"text":"So I just think it was like a an accounts mishap there because I was like, what?","start":1155.865,"end":1161.385,"sentiment":"neutral","sentiment_score":-0.1855437334846048},{"text":"They're calling you over $12.","start":1161.385,"end":1163.245,"sentiment":"neutral","sentiment_score":-0.16429899036884307},{"text":"The last because that's what the pre yeah.","start":1164.905,"end":1167.6,"sentiment":"neutral","sentiment_score":-0.11628262046724558},{"text":"Yeah.","start":1167.6,"end":1167.68,"sentiment":"neutral","sentiment_score":-0.07680583000183105}],"sentiment":"neutral","sentiment_score":-0.13690229669213294,"num_words":50,"start":1151.625,"end":1167.68},{"sentences":[{"text":"Exactly.","start":1167.68,"end":1168.08,"sentiment":"neutral","sentiment_score":-0.10917570441961288},{"text":"I was like, the premiums are $12 a month.","start":1168.08,"end":1169.84,"sentiment":"neutral","sentiment_score":-0.0933674495253298},{"text":"Are you kidding me?","start":1169.84,"end":1170.64,"sentiment":"neutral","sentiment_score":-0.10395302064716816},{"text":"Like yeah.","start":1170.64,"end":1171.3,"sentiment":"neutral","sentiment_score":-0.05353858508169651},{"text":"I was there's an account to mix up, so not all good.","start":1171.4401,"end":1174.5,"sentiment":"negative","sentiment_score":-0.4212385341525078}],"sentiment":"neutral","sentiment_score":-0.23311551474034786,"num_words":28,"start":1167.68,"end":1174.5},{"sentences":[{"text":"Too easy.","start":1180.56,"end":1181.2289,"sentiment":"positive","sentiment_score":0.5417766720056534},{"text":"Thanks for the phone call, and you have a lovely day.","start":1181.3088,"end":1183.7289,"sentiment":"positive","sentiment_score":0.7874631285667419},{"text":"Alright, mate.","start":1185.4689,"end":1186.2689,"sentiment":"neutral","sentiment_score":0.2861867845058441},{"text":"See you.","start":1186.2689,"end":1186.9288,"sentiment":"neutral","sentiment_score":0.1335970163345337}],"sentiment":"positive","sentiment_score":0.6226597270544838,"num_words":17,"start":1180.56,"end":1186.9288}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Ben speaking.\n\nChannel 0: Hi, Ben. My name is Larissa from O2 Financial. How are you going?\n\nChannel 1: You're not too bad yourself.\n\nChannel 0: Really good. Thank you. Have I got you at a really good time?\n\nChannel 1: Yep. Yep. Go ahead.\n\nChannel 0: No. Perfect. Well, before I jump into it, do need to let you know our calls are recorded if that's okay?\n\nChannel 1: Yeah. Yep. It's all good. Just to mention that your earpiece is sort of not that clear.\n\nChannel 0: Is that a bit better?\n\nChannel 1: Yep. Yeah. Yeah. Keep talking. I'll let you know.\n\nChannel 0: Okay. Let me know if it drops out or it becomes unclear at all. Amazing.\n\nChannel 1: Yep. Sweet.\n\nChannel 0: Before I do jump into it, if I could, you have a password on file. Are you able to provide that to me? Perfect. Okay. So the reason of my call was to follow-up from a conversation that you did have with one of my colleagues last week or earlier this week, I should probably say,\n\nChannel 1: Yep.\n\nChannel 0: with regards to, I guess, misinformation at the time, really.\n\nChannel 1: Mhmm.\n\nChannel 0: So at the time Caden called you, it was because there had been a flag that came across your file.\n\nChannel 1: Mhmm.\n\nChannel 0: Now, I guess, to be clear, we are currently in the process of transitioning our CRM, which is our, like, data management system. So when any of those flags for, like, an insurance missed payment do pop up, our policy is to get straight onto our clients. A, it's a point of us being able to contact you, and, b, it's always to make sure that, you know, you're aware. And if the policy is at risk of lapsing, that we can work together to make sure that we can get that resolved.\n\nChannel 1: Yeah. So my my question to Caden was why is that\n\nChannel 0: Yeah.\n\nChannel 1: what why is is that such a thing like an obligation that, like, Hub twenty four has to call me for on terms of the life insurance. Like, that's what I didn't understand. It's like, why is the the the life insurance linked to my my super yeah.\n\nChannel 0: Right. Well, it's the policy that Caden was calling about is actually your Suncorp policy,\n\nChannel 1: That's correct. Yeah. I understand that. Yeah.\n\nChannel 0: which\n\nChannel 1: But I want\n\nChannel 0: isn't\n\nChannel 1: to know,\n\nChannel 0: connected.\n\nChannel 1: like, why why yeah. Like, so if if but, yeah, I just didn't understand, like, why why how does sorry. Oakview Financial, like, was so interested in calling me if I've missed the payment on life insurance. Like, life insurance is separate to Oakview.\n\nChannel 0: Yeah. Right. Well, it's because we're your financial advisers. So with any of the advice that we provide to you so we've provided advice to you previously that that policy is suitable, that, you know, that the insurance that you have in place with with the providers that you have is a suitable position. So we always want to make sure we're dealing with your best interest at hand to ensure that those policies are protected.\n\nA, you know, at a time where you say, oh, I just can't afford it. That's where we can sort of maybe assist you in that direction. It's all part of our service. So while we don't, I guess, actively manage it, our name is not attached to it. It's you hold, and we, you know, acting and helping you out.\n\nChannel 1: Yeah. So what if I what if I don't want that service?\n\nChannel 0: So you you don't wanna engage\n\nChannel 1: Like, I\n\nChannel 0: with\n\nChannel 1: don't\n\nChannel 0: OQ\n\nChannel 1: want\n\nChannel 0: Financial?\n\nChannel 1: like, what if I don't want on no. No. No. No. What if I don't want advice on life insurance?\n\nWhat if I just want to, like, do it, like, with Suncorp and just with Suncorp, but I don't want, IG Financial, like, a part of it? Is that not an option?\n\nChannel 0: Yeah. If you want us to disregard any of, like, the insurance policy that you pay for personally, we can disregard that,\n\nChannel 1: Yep.\n\nChannel 0: And we can, I guess, like, we can cease looking into the policy and stuff like that? The only concern I have is that you do have insurance within your super fund as well inside the Colonial First State policy.\n\nChannel 1: That's correct. Yep.\n\nChannel 0: So anytime I try and consider your super funds, it will drag me across to consider your insurance because there's insurance built into those funds, which then means I need to try and consider the Suncorp policy at the same time. Now I can put a flag on your file that means that we only consider the insurance you have in Suncorp from a benefit point of view, but we don't ever follow you up on the premiums and that you're comfortable to maintain those premiums independently, I can definitely do\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: yeah.\n\nChannel 0: way.\n\nChannel 1: Because because my mindset is is okay. Look. I I I basically have employed OJ Financial to take care of my\n\nChannel 0: Mhmm.\n\nChannel 1: super side of things only. And then I've gone and done the same thing employed to say, Suncorp for my insurance and sort of thing. So that's that's where it is in my mindset. So I'm sort of like, well, I don't want advice from from cross pollinations of of either parties, really. I just wanna that's just the way my mind works,\n\nChannel 0: Yeah.\n\nChannel 1: if that makes\n\nChannel 0: Okay.\n\nChannel 1: sense.\n\nChannel 0: I yeah. I I I get what you're talking about. But if I can, I guess, maybe reframe frame your mindset a little bit to consider the fact that, like, OQ Financial don't hold your superannuation? Your superannuation is sitting with sub twenty four, Colonial\n\nChannel 1: Correct.\n\nChannel 0: First State. So we like, we're separate to those super funds themselves as well. We are giving advice on the actual products. So, you know, Suncorp products, Colonial First State products, Hub twenty four products, and any other advice you ever may want to engage in. So it's not just why I do very much understand, like, you engaged Suncorp and so it's a a thing that you've sort of set up yourself prior to, you know, engaging with us.\n\nIt's\n\nChannel 1: That's correct.\n\nChannel 0: So, look, ultimately, I am very happy to we can not follow-up on any, I guess, missed payments. If that's if that's where you wanna that to land, I am happy to do it that way. It's just we would definitely need to still consider the policy in any advice we're giving you just because we wanna make sure that, you know, when\n\nChannel 1: See,\n\nChannel 0: we're\n\nChannel 1: I\n\nChannel 0: talking\n\nChannel 1: thought\n\nChannel 0: about\n\nChannel 1: the\n\nChannel 0: everything,\n\nChannel 1: Oakview\n\nChannel 0: we\n\nChannel 1: Financial\n\nChannel 0: don't\n\nChannel 1: advice came to me because of the the sign up with the Hub twenty four. So Hub twenty four and Oakview are two separate parties.\n\nChannel 0: Correct. Yep.\n\nChannel 1: It's\n\nChannel 0: Yeah. So Hub twenty four is a\n\nChannel 1: a\n\nChannel 0: superannuation.\n\nChannel 1: super provider. Correct. Yeah. Yeah. So then\n\nChannel 0: Yep.\n\nChannel 1: so then\n\nChannel 0: Mhmm.\n\nChannel 1: what what do I need Oakview for then if if they're if\n\nChannel 0: Well,\n\nChannel 1: they're separate?\n\nChannel 0: so any of your superannuation funds don't engage you on a ongoing basis. So a superannuation fund and insurance policy will just let the accounts ride the way they're set up, and it's up to you to then go in and ensure that you're reviewing where that's sitting. Now when it comes to super insurance tax mitigation, investing as a whole, that's where I specialize. I've been in the industry for a decade. I'm qualified under ASIC to be able to provide advice in the areas of of, you know, investments and stuff like that.\n\nAnd what I do is I work for you to obtain and get you to the goals that you're setting for yourself. So if it's\n\nChannel 1: Yeah.\n\nChannel 0: that you're\n\nChannel 1: So in\n\nChannel 0: wanting\n\nChannel 1: the in\n\nChannel 0: to\n\nChannel 1: the same breath though, they hear me out. So Hub twenty four and their and their specialist, they provide me with the same services in my within my super. Correct?\n\nChannel 0: Yeah. Hub twenty four\n\nChannel 1: The\n\nChannel 0: platform,\n\nChannel 1: Hub twenty four's\n\nChannel 0: and\n\nChannel 1: advisers.\n\nChannel 0: they\n\nChannel 1: Yep.\n\nChannel 0: they don't\n\nChannel 1: Super\n\nChannel 0: have\n\nChannel 1: advisers.\n\nChannel 0: advisers.\n\nChannel 1: Well,\n\nChannel 0: They\n\nChannel 1: whatever\n\nChannel 0: don't have\n\nChannel 1: you\n\nChannel 0: supervisors.\n\nChannel 1: wanna call it. They're the employees. Okay? So\n\nChannel 0: Yep.\n\nChannel 1: they they they call me up and they say, hey, Ben, we've got this investment. We're thinking about this for you, this for you, that that for you. You know, I get I get the emails and I'm like, you know, I can either say, yeah, or may decline. Yes or no. And then Suncorp have the same advisers or employers that do the same thing that they, you know, they\n\nChannel 0: Administrators.\n\nChannel 1: they do the same thing.\n\nChannel 0: Yep.\n\nChannel 1: Yep. On on on my insurance side of things. And then so OXY Financial used to do the same thing, but for both of them. But my question is, okay, then if that's the case, then why do I need overview financial? If I've already got if I'm employing both those two parties in those respected companies to do those same things for me on behalf of my super and my insurance, then why do I need overview financial is my question if overview financial was separate to hub\n\nChannel 0: Right. So Hub twenty four so\n\nChannel 1: twenty\n\nChannel 0: Hub twenty four, anyone that you if you you can call Hub\n\nChannel 1: four.\n\nChannel 0: 24.\n\nChannel 1: Correct.\n\nChannel 0: Any of the people that you speak to at Hub twenty four are administrators. They are admin. They do not have qualifications nor are they able to provide recommendations on any specific investments to the Hub twenty four. Hub twenty four has thousands of investment options. And what my role is is to recommend specific assets for you to hold within that platform to help the money grow.\n\nChannel 1: Yep.\n\nChannel 0: Same with Colonial First State. They have very specific investments that they offer, Colonial First State do. And they won't ever contact you to say, hey. We think you should change your investments to do\n\nChannel 1: Correct.\n\nChannel 0: this.\n\nChannel 1: You're that that that they are a 100% correct. Obviously, I've experienced that because I've been with them for years and have not had\n\nChannel 0: Yes.\n\nChannel 1: one phone call from them. So you're right. Yes.\n\nChannel 0: Yes. And, look, Suncorp may you know, obviously, with any insurance policy, you do receive your yearly policy schedule,\n\nChannel 1: Yep.\n\nChannel 0: which obviously outlines where your policy sits. It outlines the premiums and the benefits that you hold. What it doesn't do is it doesn't explain the underlying features within the policy nor does Suncorp go to the market and say, hey. Actually, if you move over to provider x, you could be saving a $150 per annum. They only act within their platform or their provider, and\n\nChannel 1: Yep.\n\nChannel 0: they would just say, hey. Your policy's up for renewal. Here's your new premium for the year or your monthly premium that you're gonna get start getting charged from x date. You know? And it's up to you to then reach out to them to say, hey.\n\nActually, I don't need this much insurance anymore or I wanna increase my insurance because I have bought a house, taken on more debt, you know, whatever the\n\nChannel 1: Yep.\n\nChannel 0: case may\n\nChannel 1: Yep.\n\nChannel 0: be.\n\nChannel 1: Yep.\n\nChannel 0: And that's where I come in is I have the conversation with you, you know, each each year or if you wanna catch up more frequently. And we would go through and we would have an in-depth discussion about where your life sits right now, what your income, your goals, where you're wanting to to get to. And then\n\nChannel 1: Mhmm.\n\nChannel 0: I would go away and I would research the products that you have available, what products are available on market right now, and where we need to make changes within your investments or your life. You know? I do cash flow and budgeting with some of my clients to help them\n\nChannel 1: Yep.\n\nChannel 0: save more or, you know, manage their finances better. And\n\nChannel 1: So so\n\nChannel 0: that\n\nChannel 1: so\n\nChannel 0: then\n\nChannel 1: sorry to cut cut you off.\n\nChannel 0: no.\n\nChannel 1: So\n\nChannel 0: Of course. Sorry.\n\nChannel 1: part of your services, like what you're saying there, so so part of being a part of overview\n\nChannel 0: I\n\nChannel 1: financial is\n\nChannel 0: see.\n\nChannel 1: receiving\n\nChannel 0: Mhmm.\n\nChannel 1: the financial advice\n\nChannel 0: Correct. Yes.\n\nChannel 1: as part of the services. Yep. So\n\nChannel 0: Yeah.\n\nChannel 1: I can tap into that whenever I want. Is that what you're saying?\n\nChannel 0: Yes. Yeah. Absolutely. Yeah. So you're able to you're able to to contact us at any time that you may, you know, need advice or assistance.\n\nI know that you spoke with my colleague, Kyle, not too too long ago when\n\nChannel 1: Yeah.\n\nChannel 0: he made\n\nChannel 1: Two\n\nChannel 0: some\n\nChannel 1: days\n\nChannel 0: changes\n\nChannel 1: ago.\n\nChannel 0: to yeah. That was Caden.\n\nChannel 1: Oh,\n\nChannel 0: You\n\nChannel 1: Caden.\n\nChannel 0: spoke with\n\nChannel 1: Sorry.\n\nChannel 0: Kyle,\n\nChannel 1: Yes.\n\nChannel 0: one\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: No.\n\nChannel 0: my advise\n\nChannel 1: You're right. Yeah.\n\nChannel 0: no.\n\nChannel 1: My\n\nChannel 0: You're\n\nChannel 1: bad.\n\nChannel 0: okay.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: You spoke with Kyle, one of my advisers\n\nChannel 1: In the beginning of the year.\n\nChannel 0: couple months yeah. Couple months ago or a few months\n\nChannel 1: Yep.\n\nChannel 0: ago now. And we did some slight slight changes to the investments in your super fund. But, yeah, you're 100% able to tap into the resources that we offer. So whether it's\n\nChannel 1: Yep. Okay.\n\nChannel 0: sometimes\n\nChannel 1: And so\n\nChannel 0: it's\n\nChannel 1: and so where do you sit in in in the letter\n\nChannel 0: help\n\nChannel 1: of the officer? Your your Cadence\n\nChannel 0: on\n\nChannel 1: boss? To say?\n\nChannel 0: yeah. Yeah. Yeah. I I guess\n\nChannel 1: Yeah.\n\nChannel 0: so. Caden\n\nChannel 1: Or his\n\nChannel 0: doesn't\n\nChannel 1: manager\n\nChannel 0: technically\n\nChannel 1: or his\n\nChannel 0: fall. So I'm the head of financial advice. So I'm\n\nChannel 1: you're\n\nChannel 0: a qualified\n\nChannel 1: the head.\n\nChannel 0: financial planner. Yep. I'm\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: So\n\nChannel 0: head of\n\nChannel 1: where\n\nChannel 0: financial\n\nChannel 1: so where\n\nChannel 0: advice.\n\nChannel 1: are you to Kyle then?\n\nChannel 0: I am above Kyle, I guess you could say.\n\nChannel 1: So I'm talking\n\nChannel 0: He\n\nChannel 1: to the basically, I'm talking to the top dogs. Okay. So\n\nChannel 0: yes.\n\nChannel 1: is this the first time that me and you have communicated?\n\nChannel 0: This is the first time we have spoken. Yes.\n\nChannel 1: So are you offering that you're gonna take care of me then? Since we and and we can do something going forward?\n\nChannel 0: I'm more than happy if you want me to be your direct contact that you and I can like, that you can become my client.\n\nChannel 1: Yeah. We could because I'm like, okay. So you you guys are offering these services. I'm sort of like, well, I actually need to get my, you know, my ducks in their own, like, have something going because I'm I'm pretty simple. But, man, I, you know, just for yeah.\n\nI work in a mine, so I run, like, you know, a crew of 50 blokes. So pretty pretty flat out on on on the the labor side of things, but I need someone to like that's\n\nChannel 0: Yep.\n\nChannel 1: gonna look at my financials and go, hey, Ben. You know, what's your goals? Where do you need to go? This is how you achieve them. You know, I need some of the a bit of direction in layman's terms.\n\nChannel 0: Yeah. Okay. Look. To be completely honest with you, truckies are my favorite clients\n\nChannel 1: Yeah.\n\nChannel 0: ever, purely and\n\nChannel 1: Yeah.\n\nChannel 0: simply because we can become more colloquial.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. That's\n\nChannel 0: we\n\nChannel 1: it.\n\nChannel 0: can\n\nChannel 1: That's what\n\nChannel 0: go\n\nChannel 1: I'm looking\n\nChannel 0: plain and\n\nChannel 1: for.\n\nChannel 0: simple. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. Sweet.\n\nChannel 0: So\n\nChannel 1: So,\n\nChannel 0: I I know\n\nChannel 1: yeah, obviously,\n\nChannel 0: that you\n\nChannel 1: I'm\n\nChannel 0: work\n\nChannel 1: in a full time role. I'm trying to build up that super through you guys, you know, for the future\n\nChannel 0: yeah.\n\nChannel 1: because that's basically what OP sold me on. And and I must say, like, since changing the super from Colonial First, it's it's been good. Like, they've taken care of everything. Like, everything's transparent. I get all the printouts, all the emails.\n\nSo I'm tracking it, like, all good with that stuff, but I just need to get to the next stage. Like, where where can I go? I need to freaking buy a house. All the rest of it, so I need that sort of financial advice.\n\nChannel 0: Absolutely. Did you wanna have a chat now? Do you wanna have a chat in a little bit, like, in a few days?\n\nChannel 1: Yeah. Probably\n\nChannel 0: Realistically,\n\nChannel 1: in a few days\n\nChannel 0: if\n\nChannel 1: because I've I've been\n\nChannel 0: yeah.\n\nChannel 1: today I've got an appointment at 12:30, so I've gotta, like, head to that. But\n\nChannel 0: Alright. Yeah.\n\nChannel 1: but\n\nChannel 0: Well,\n\nChannel 1: yeah.\n\nChannel 0: do\n\nChannel 1: For sure. I I\n\nChannel 0: if\n\nChannel 1: definitely\n\nChannel 0: if\n\nChannel 1: need\n\nChannel 0: I send\n\nChannel 1: your assistance.\n\nChannel 0: you an if I send you an email and\n\nChannel 1: Yep.\n\nChannel 0: ask for you to fill out a budget planner, is that gonna be pushing our friendship so soon?\n\nChannel 1: No. No. No. No. That's a lot of, like oh, look.\n\nYou've given me a call. I can just tell just, you know, you've got a bit of experience in your pocket. Like, not trying to put in on us down in the in the company. They've all been good, but I just need someone to tell it how it is. Look.\n\nThis is where I'm going. I'm pretty simple. If, yeah, if you give me the goals, I'll kick them.\n\nChannel 0: Perfect. Alright. Well, I'll what I'll do is I'll email you a budget planner. If you are able to fill it out, and what I want is I want I'll put it in the email, but, ultimately, like, what your income is net, and then what I wanna know is where your money's currently going, and we\n\nChannel 1: Yep.\n\nChannel 0: can really drill down to things a little bit. I\n\nChannel 1: Yep.\n\nChannel 0: did want to just flag with you that Caden is very much my right hand when it comes to any of my admin stuff. So you will talk to him when it comes to scheduling, but when it comes to the advice side of things, it'll\n\nChannel 1: Yep.\n\nChannel 0: be me. Okay?\n\nChannel 1: Yes. Sweet.\n\nChannel 0: So it won't just be always be me because you will need to obviously talk to some of my admin when you're scheduling things in. But, you know, Caden's fantastic at what he does.\n\nChannel 1: Yep. Oh, look.\n\nChannel 0: And\n\nChannel 1: That's that's that's no no dispute. I just think when he called me, I had just come off a fourteen hour shift. Like,\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: were\n\nChannel 1: needed the\n\nChannel 0: tired\n\nChannel 1: questions to\n\nChannel 0: of everything.\n\nChannel 1: be pretty much like this is how it was like. Maybe I got him flustered with some of my comments. It's nothing against him. I would have like, I'm old school as they come. So I work with freaking filthy dirty men in a\n\nChannel 0: Yeah.\n\nChannel 1: in a\n\nChannel 0: Yeah.\n\nChannel 1: in a gold mine. You know? So we don't we don't take motion. We're just straight to the point. Look.\n\nLook, mate. I've got two minutes. Tell me what it is and what it's not. And I think he got a bit flustered there. There's nothing against him.\n\nI was like, yeah. He could be cool at his job. I was just yeah. He called me off.\n\nChannel 0: Yeah. No. Absolutely. No. I think it was just a bit of a all around mess, but that's absolutely perfect.\n\nNo. Well, what I'll do is I'll get that email sent off to you now,\n\nChannel 1: Yep.\n\nChannel 0: and we can go from there with regards to everything. But thank you so much for reaffirming that everything's okay on your side. I did wanna flag with you that Kaden did send you an email\n\nChannel 1: No. He\n\nChannel 0: following\n\nChannel 1: did send\n\nChannel 0: the\n\nChannel 1: me that\n\nChannel 0: call,\n\nChannel 1: email.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: guess.\n\nChannel 1: did read it. I was like,\n\nChannel 0: Yeah.\n\nChannel 1: oh, poor fellow. I just yeah. Look. I've if you had a look at my emails, I've got literally thousands of mining emails that I go through, like, all day every day myself. And I'm like, man, I don't even\n\nChannel 0: Yeah.\n\nChannel 1: know if I'm gonna be able to have a chance to respond to that one. You know, if I saw\n\nChannel 0: No.\n\nChannel 1: him\n\nChannel 0: No.\n\nChannel 1: pour his heart out, and I was like, poor fella. She's probably gonna have trauma.\n\nChannel 0: No. He's alright.\n\nChannel 1: But, you know,\n\nChannel 0: Alright.\n\nChannel 1: I'm I'm\n\nChannel 0: Perfect.\n\nChannel 1: I'm all cool that sometimes I'm so busy. I look at I'm like, man, I've I've even because I haven't been in touch with I you do all have twenty four, five, sometimes I forget, like, how that sits in my schedule. So\n\nChannel 0: Yeah.\n\nChannel 1: as long as we've got a whole lot of things coming through. But as you jog my memory, I'm like, okay. Yeah. But that's what it was, and this is what it is. It's it's all good.\n\nChannel 0: Perfect. Can I confirm what kind of swings do you actually do? Just so I can,\n\nChannel 1: So,\n\nChannel 0: I\n\nChannel 1: yeah,\n\nChannel 0: guess,\n\nChannel 1: I'm on I'm on a two\n\nChannel 0: make\n\nChannel 1: and\n\nChannel 0: note?\n\nChannel 1: two roster, but it it it before\n\nChannel 0: Cool.\n\nChannel 1: Kyle called me, I was doing three months on, two weeks off overseas. So, you know, that was even harder\n\nChannel 0: Yes.\n\nChannel 1: to catch. So now I'm I'm on a permanent role in Australia now. So, yeah, my roster is two and two. So I've just flown home yesterday. I'm\n\nChannel 0: Amazing.\n\nChannel 1: WA.\n\nChannel 0: Are\n\nChannel 1: Yep.\n\nChannel 0: you\n\nChannel 1: No.\n\nChannel 0: still WA\n\nChannel 1: Yep.\n\nChannel 0: based\n\nChannel 1: Yep.\n\nChannel 0: when you're\n\nChannel 1: Based\n\nChannel 0: on\n\nChannel 1: in\n\nChannel 0: Stent?\n\nChannel 1: work there.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Cool.\n\nChannel 1: Living. Yep.\n\nChannel 0: Cool. Perfect. Alright. Cool. So 2 and 2¢, you've just come off.\n\nAmazing.\n\nChannel 1: Yeah. So\n\nChannel 0: I will\n\nChannel 1: so you\n\nChannel 0: flag\n\nChannel 1: might wanna\n\nChannel 0: that\n\nChannel 1: put\n\nChannel 0: so\n\nChannel 1: that\n\nChannel 0: that\n\nChannel 1: on my\n\nChannel 0: way\n\nChannel 1: records.\n\nChannel 0: I know.\n\nChannel 1: Just next time, she's gonna do\n\nChannel 0: Yeah.\n\nChannel 1: a nine 9AM Brisbane call. It's like 06:30 here in WA.\n\nChannel 0: Yeah. A bit early.\n\nChannel 1: Yep.\n\nChannel 0: No. That's awesome. Thanks so much, Ben. I appreciate the time.\n\nChannel 1: All good. All good. Well, I'll look for\n\nChannel 0: Perfect.\n\nChannel 1: that email and then I'll get back to you.\n\nChannel 0: Yes. And then what I'll do is in the email, I'll just request the best date for you to for me to give\n\nChannel 1: Yep.\n\nChannel 0: you a call, and you can just tell me what day and time, and I'll schedule it\n\nChannel 1: Yeah.\n\nChannel 0: in.\n\nChannel 1: So we'll just leave that. We'll just don't even put a flag on that insurance thing. I know what it is now. Like, you that's the advice that you guys give me. No dramas.\n\nChannel 0: Yep.\n\nChannel 1: We'll leave it at that. And that that thing was a Suncorp. I don't know what's going on there. That was just like a long time ago, and that's been squared up a long time ago\n\nChannel 0: No.\n\nChannel 1: as well. So I just think it was like a an accounts mishap there because I was like, what? They're calling you over $12. The\n\nChannel 0: Insurance\n\nChannel 1: last because that's\n\nChannel 0: will call\n\nChannel 1: what\n\nChannel 0: over\n\nChannel 1: the\n\nChannel 0: the\n\nChannel 1: pre\n\nChannel 0: pettiest thing.\n\nChannel 1: yeah. Yeah. Exactly. I was like, the premiums are $12 a month. Are you kidding me?\n\nLike yeah. I was there's an account to mix up, so not all good.\n\nChannel 0: No. Amazing. Alright. Well, I will let you go, and I'll get this email out to you too.\n\nChannel 1: Too easy. Thanks for the phone call, and you have a lovely day.\n\nChannel 0: You too, Ben. Bye.\n\nChannel 1: Alright, mate. See you.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.88,"sentiment":"neutral","sentiment_score":0.030973730608820915},{"text":"Ben speaking.","start":0.88,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.028193769045174122}],"sentiment":"neutral","sentiment_score":0.029120422899723053,"channel":1,"num_words":3,"start":0.48,"end":1.6999999},{"sentences":[{"text":"Hi, Ben.","start":2.48,"end":3.28,"sentiment":"neutral","sentiment_score":0.17087019979953766},{"text":"My name is Larissa from O2 Financial.","start":3.28,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.1901512678180422},{"text":"How are you going?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.2291358783841133}],"sentiment":"neutral","sentiment_score":0.19918021445090955,"channel":0,"num_words":13,"start":2.48,"end":6.18},{"sentences":[{"text":"You're not too bad yourself.","start":6.48,"end":7.7799997,"sentiment":"positive","sentiment_score":0.41238396167755126}],"sentiment":"positive","sentiment_score":0.41238396167755126,"channel":1,"num_words":5,"start":6.48,"end":7.7799997},{"sentences":[{"text":"Really good.","start":8.559999,"end":9.28,"sentiment":"positive","sentiment_score":0.6878040730953217},{"text":"Thank you.","start":9.28,"end":10.0,"sentiment":"positive","sentiment_score":0.70728999376297},{"text":"Have I got you at a really good time?","start":10.0,"end":12.0199995,"sentiment":"positive","sentiment_score":0.41016619404157}],"sentiment":"positive","sentiment_score":0.49859106769928563,"channel":0,"num_words":13,"start":8.559999,"end":12.0199995},{"sentences":[{"text":"Yep.","start":12.48,"end":12.799999,"sentiment":"neutral","sentiment_score":0.1062655746936798},{"text":"Yep.","start":12.799999,"end":13.12,"sentiment":"neutral","sentiment_score":0.08110082894563675},{"text":"Go ahead.","start":13.12,"end":13.86,"sentiment":"neutral","sentiment_score":0.0762173980474472}],"sentiment":"neutral","sentiment_score":0.08495029993355274,"channel":1,"num_words":4,"start":12.48,"end":13.86},{"sentences":[{"text":"No.","start":14.345,"end":14.665,"sentiment":"neutral","sentiment_score":0.071771040558815},{"text":"Perfect.","start":14.665,"end":15.165,"sentiment":"neutral","sentiment_score":0.19437894225120544},{"text":"Well, before I jump into it, do need to let you know our calls are recorded if that's okay?","start":15.465,"end":19.325,"sentiment":"neutral","sentiment_score":0.019791277419579655}],"sentiment":"neutral","sentiment_score":0.030580202561049236,"channel":0,"num_words":21,"start":14.345,"end":19.325},{"sentences":[{"text":"Yeah.","start":19.875,"end":20.035,"sentiment":"neutral","sentiment_score":0.05132114887237549},{"text":"Yep.","start":20.035,"end":20.355,"sentiment":"neutral","sentiment_score":0.09968771040439606},{"text":"It's all good.","start":20.355,"end":21.154999,"sentiment":"neutral","sentiment_score":0.2787155658006668},{"text":"Just to mention that your earpiece is sort of not that clear.","start":21.154999,"end":26.52,"sentiment":"neutral","sentiment_score":-0.19970820502688488}],"sentiment":"neutral","sentiment_score":-0.08290252374375567,"channel":1,"num_words":17,"start":19.875,"end":26.52},{"sentences":[{"text":"Is that a bit better?","start":27.42,"end":28.64,"sentiment":"neutral","sentiment_score":-0.12962713539600373}],"sentiment":"neutral","sentiment_score":-0.12962713539600373,"channel":0,"num_words":5,"start":27.42,"end":28.64},{"sentences":[{"text":"Yep.","start":29.560001,"end":29.880001,"sentiment":"neutral","sentiment_score":-0.011269907467067242},{"text":"Yeah.","start":29.880001,"end":30.28,"sentiment":"neutral","sentiment_score":-0.01517912745475769},{"text":"Yeah.","start":30.28,"end":30.52,"sentiment":"neutral","sentiment_score":-0.019335605204105377},{"text":"Keep talking.","start":30.52,"end":31.08,"sentiment":"neutral","sentiment_score":-0.04160950146615505},{"text":"I'll let you know.","start":31.08,"end":32.06,"sentiment":"neutral","sentiment_score":-0.0052850148640573025}],"sentiment":"neutral","sentiment_score":-0.016682633612718847,"channel":1,"num_words":9,"start":29.560001,"end":32.06},{"sentences":[{"text":"Okay.","start":32.3,"end":32.62,"sentiment":"neutral","sentiment_score":-0.04127030074596405},{"text":"Let me know if it drops out or it becomes unclear at all.","start":32.62,"end":35.1,"sentiment":"neutral","sentiment_score":-0.07582502382305953},{"text":"Amazing.","start":35.1,"end":35.6,"sentiment":"neutral","sentiment_score":0.33052605390548706}],"sentiment":"neutral","sentiment_score":-0.04643130376935005,"channel":0,"num_words":15,"start":32.3,"end":35.6},{"sentences":[{"text":"Yep.","start":35.24,"end":35.72,"sentiment":"neutral","sentiment_score":0.18112556636333463},{"text":"Sweet.","start":35.72,"end":36.22,"sentiment":"neutral","sentiment_score":0.1950345039367676}],"sentiment":"neutral","sentiment_score":0.18808003515005112,"channel":1,"num_words":2,"start":35.24,"end":36.22},{"sentences":[{"text":"Before I do jump into it, if I could, you have a password on file.","start":37.34,"end":40.94,"sentiment":"neutral","sentiment_score":0.04946081923941771},{"text":"Are you able to provide that to me?","start":40.94,"end":44.215,"sentiment":"neutral","sentiment_score":0.04449708363972604},{"text":"Perfect.","start":44.275,"end":44.775,"sentiment":"neutral","sentiment_score":0.09138312935829164},{"text":"Okay.","start":45.795,"end":46.275,"sentiment":"neutral","sentiment_score":-0.0013814643025398254},{"text":"So the reason of my call was to follow-up from a conversation that you did have with one of my colleagues last week or earlier this week, I should probably say,","start":46.275,"end":55.8,"sentiment":"neutral","sentiment_score":-0.07543683088114185}],"sentiment":"neutral","sentiment_score":-0.02054734168840306,"channel":0,"num_words":56,"start":37.34,"end":55.8},{"sentences":[{"text":"Yep.","start":56.235,"end":56.735,"sentiment":"neutral","sentiment_score":-0.1516108214855194}],"sentiment":"neutral","sentiment_score":-0.1516108214855194,"channel":1,"num_words":1,"start":56.235,"end":56.735},{"sentences":[{"text":"with regards to, I guess, misinformation at the time, really.","start":56.92,"end":61.739998,"sentiment":"neutral","sentiment_score":-0.27877654135227203}],"sentiment":"neutral","sentiment_score":-0.27877654135227203,"channel":0,"num_words":10,"start":56.92,"end":61.739998},{"sentences":[{"text":"Mhmm.","start":62.27,"end":62.77,"sentiment":"neutral","sentiment_score":-0.0765022486448288}],"sentiment":"neutral","sentiment_score":-0.0765022486448288,"channel":1,"num_words":1,"start":62.27,"end":62.77},{"sentences":[{"text":"So at the time Caden called you, it was because there had been a flag that came across your file.","start":63.32,"end":71.1,"sentiment":"neutral","sentiment_score":-0.13934958912432194}],"sentiment":"neutral","sentiment_score":-0.13934958912432194,"channel":0,"num_words":20,"start":63.32,"end":71.1},{"sentences":[{"text":"Mhmm.","start":71.79,"end":72.255,"sentiment":"neutral","sentiment_score":-0.060358766466379166}],"sentiment":"neutral","sentiment_score":-0.060358766466379166,"channel":1,"num_words":1,"start":71.79,"end":72.255},{"sentences":[{"text":"Now, I guess, to be clear, we are currently in the process of transitioning our CRM, which is our, like, data management system.","start":72.005005,"end":80.745,"sentiment":"neutral","sentiment_score":-0.09384548761274504},{"text":"So when any of those flags for, like, an insurance missed payment do pop up, our policy is to get straight onto our clients.","start":82.005005,"end":91.47,"sentiment":"neutral","sentiment_score":-0.10470158622289698},{"text":"A, it's a point of us being able to contact you, and, b, it's always to make sure that, you know, you're aware.","start":92.09,"end":98.35,"sentiment":"neutral","sentiment_score":-0.04015631795577381},{"text":"And if the policy is at risk of lapsing, that we can work together to make sure that we can get that resolved.","start":98.755005,"end":105.335,"sentiment":"neutral","sentiment_score":-0.1181493297867153}],"sentiment":"neutral","sentiment_score":-0.08937972239268724,"channel":0,"num_words":93,"start":72.005005,"end":105.335},{"sentences":[{"text":"Yeah.","start":105.955,"end":106.19501,"sentiment":"neutral","sentiment_score":-0.06114627420902252},{"text":"So my my question to Caden was why is that","start":106.19501,"end":109.175,"sentiment":"neutral","sentiment_score":-0.07306848764419556}],"sentiment":"neutral","sentiment_score":-0.07198465005917982,"channel":1,"num_words":11,"start":105.955,"end":109.175},{"sentences":[{"text":"Yeah.","start":108.755005,"end":109.255005,"sentiment":"neutral","sentiment_score":-0.10386417806148528}],"sentiment":"neutral","sentiment_score":-0.10386417806148528,"channel":0,"num_words":1,"start":108.755005,"end":109.255005},{"sentences":[{"text":"what why is is that such a thing like an obligation that, like, Hub twenty four has to call me for on terms of the life insurance.","start":109.475006,"end":118.32,"sentiment":"neutral","sentiment_score":-0.20375779767831168},{"text":"Like, that's what I didn't understand.","start":118.380005,"end":120.060005,"sentiment":"neutral","sentiment_score":-0.26398460815350216},{"text":"It's like, why is the the the life insurance linked to my my super yeah.","start":120.060005,"end":125.28001,"sentiment":"neutral","sentiment_score":-0.15334880103667578}],"sentiment":"neutral","sentiment_score":-0.19553333753719926,"channel":1,"num_words":48,"start":109.475006,"end":125.28001},{"sentences":[{"text":"Right.","start":127.785,"end":128.285,"sentiment":"neutral","sentiment_score":-0.04115871712565422},{"text":"Well, it's the policy that Caden was calling about is actually your Suncorp policy,","start":128.345,"end":133.565,"sentiment":"neutral","sentiment_score":0.06851715873926878}],"sentiment":"neutral","sentiment_score":0.061205433681607246,"channel":0,"num_words":15,"start":127.785,"end":133.565},{"sentences":[{"text":"That's correct.","start":133.885,"end":134.525,"sentiment":"neutral","sentiment_score":0.15480279922485352},{"text":"Yeah.","start":134.525,"end":134.685,"sentiment":"neutral","sentiment_score":0.07625076174736023},{"text":"I understand that.","start":134.685,"end":135.56499,"sentiment":"neutral","sentiment_score":0.043660666793584824},{"text":"Yeah.","start":135.56499,"end":136.06499,"sentiment":"neutral","sentiment_score":0.01007484458386898}],"sentiment":"neutral","sentiment_score":0.07527331502309867,"channel":1,"num_words":7,"start":133.885,"end":136.06499},{"sentences":[{"text":"which","start":136.585,"end":136.985,"sentiment":"neutral","sentiment_score":-0.047566868364810944}],"sentiment":"neutral","sentiment_score":-0.047566868364810944,"channel":0,"num_words":1,"start":136.585,"end":136.985},{"sentences":[{"text":"But I want","start":136.605,"end":137.08499,"sentiment":"neutral","sentiment_score":-0.15276314069827399}],"sentiment":"neutral","sentiment_score":-0.15276314069827399,"channel":1,"num_words":3,"start":136.605,"end":137.08499},{"sentences":[{"text":"isn't","start":136.985,"end":137.385,"sentiment":"neutral","sentiment_score":-0.15990284085273743}],"sentiment":"neutral","sentiment_score":-0.15990284085273743,"channel":0,"num_words":1,"start":136.985,"end":137.385},{"sentences":[{"text":"to know,","start":137.08499,"end":137.405,"sentiment":"neutral","sentiment_score":-0.1880306899547577}],"sentiment":"neutral","sentiment_score":-0.1880306899547577,"channel":1,"num_words":2,"start":137.08499,"end":137.405},{"sentences":[{"text":"connected.","start":137.385,"end":137.885,"sentiment":"neutral","sentiment_score":-0.17438247799873352}],"sentiment":"neutral","sentiment_score":-0.17438247799873352,"channel":0,"num_words":1,"start":137.385,"end":137.885},{"sentences":[{"text":"like, why why yeah.","start":137.405,"end":139.165,"sentiment":"neutral","sentiment_score":-0.22740741446614265},{"text":"Like, so if if but, yeah, I just didn't understand, like, why why how does sorry.","start":139.165,"end":145.38,"sentiment":"neutral","sentiment_score":-0.29298461601138115},{"text":"Oakview Financial, like, was so interested in calling me if I've missed the payment on life insurance.","start":145.38,"end":151.8,"sentiment":"neutral","sentiment_score":-0.18485988325932445},{"text":"Like, life insurance is separate to Oakview.","start":151.86,"end":155.08,"sentiment":"neutral","sentiment_score":-0.08496481233409472}],"sentiment":"neutral","sentiment_score":-0.21215352763167836,"channel":1,"num_words":44,"start":137.405,"end":155.08},{"sentences":[{"text":"Yeah.","start":157.27501,"end":157.675,"sentiment":"neutral","sentiment_score":0.04482771083712578},{"text":"Right.","start":157.675,"end":158.155,"sentiment":"neutral","sentiment_score":0.07998105138540268},{"text":"Well, it's because we're your financial advisers.","start":158.155,"end":160.335,"sentiment":"neutral","sentiment_score":0.1316800362297467},{"text":"So with any of the advice that we provide to you so we've provided advice to you previously that that policy is suitable, that, you know, that the insurance that you have in place with with the providers that you have is a suitable position.","start":160.395,"end":175.23,"sentiment":"neutral","sentiment_score":0.25283534030119575},{"text":"So we always want to make sure we're dealing with your best interest at hand to ensure that those policies are protected.","start":175.23,"end":185.48999,"sentiment":"neutral","sentiment_score":0.32214117592031305}],"sentiment":"neutral","sentiment_score":0.2567271736793612,"channel":0,"num_words":76,"start":157.27501,"end":185.48999},{"sentences":[{"text":"A, you know, at a time where you say, oh, I just can't afford 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get back to you.","start":1126.0651,"end":1128.485,"sentiment":"neutral","sentiment_score":0.09021250738037957}],"sentiment":"neutral","sentiment_score":0.09021250738037957,"channel":1,"num_words":9,"start":1126.0651,"end":1128.485},{"sentences":[{"text":"Yes.","start":1128.4349,"end":1128.6749,"sentiment":"neutral","sentiment_score":0.051298052072525024},{"text":"And then what I'll do is in the email, I'll just request the best date for you to for me to give","start":1128.6749,"end":1133.315,"sentiment":"neutral","sentiment_score":0.05460243485867977}],"sentiment":"neutral","sentiment_score":0.054458766041890434,"channel":0,"num_words":23,"start":1128.4349,"end":1133.315},{"sentences":[{"text":"Yep.","start":1133.265,"end":1133.765,"sentiment":"neutral","sentiment_score":0.061609771102666855}],"sentiment":"neutral","sentiment_score":0.061609771102666855,"channel":1,"num_words":1,"start":1133.265,"end":1133.765},{"sentences":[{"text":"you a call, and you can just tell me what day and 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yeah.","start":1170.64,"end":1171.3,"sentiment":"neutral","sentiment_score":-0.05353858508169651},{"text":"I was there's an account to mix up, so not all good.","start":1171.4401,"end":1174.5,"sentiment":"negative","sentiment_score":-0.4212385341525078}],"sentiment":"negative","sentiment_score":-0.36870996999953476,"channel":1,"num_words":14,"start":1170.64,"end":1174.5},{"sentences":[{"text":"No.","start":1176.04,"end":1176.28,"sentiment":"neutral","sentiment_score":-0.26546066999435425},{"text":"Amazing.","start":1176.28,"end":1176.78,"sentiment":"neutral","sentiment_score":0.22632409632205963},{"text":"Alright.","start":1177.24,"end":1177.64,"sentiment":"neutral","sentiment_score":0.25931617617607117},{"text":"Well, I will let you go, and I'll get this email out to you 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Ben.","start":1184.28,"end":1185.16,"sentiment":"positive","sentiment_score":0.4883828361829122},{"text":"Bye.","start":1185.16,"end":1185.66,"sentiment":"neutral","sentiment_score":0.31405481696128845}],"sentiment":"positive","sentiment_score":0.44480083137750626,"channel":0,"num_words":4,"start":1184.28,"end":1185.66},{"sentences":[{"text":"Alright, mate.","start":1185.4689,"end":1186.2689,"sentiment":"neutral","sentiment_score":0.2861867845058441},{"text":"See you.","start":1186.2689,"end":1186.9288,"sentiment":"neutral","sentiment_score":0.1335970163345337}],"sentiment":"neutral","sentiment_score":0.2098919004201889,"channel":1,"num_words":4,"start":1185.4689,"end":1186.9288}]},"summary":{"result":"success","short":"Larissa receives a call from a representative from O2 Financial who explains that their CRM system is being transitioned and they will only consider insurance from her super funds. The representative explains that the customer's insurance policy is separate from their super funds and they will need to consider them in any advice they give. The agent also explains their role as an adviser and suggests researching their current insurance policy to determine what is included in their coverage. They discuss financial goals and scheduling a budget planner, with the customer expressing their desire to become a client and receive a budget planner."},"intents":{"segments":[{"text":"Keep talking. I'll let you know. Okay. Let me know if it drops out or it becomes unclear at all. Amazing.","start_word":84,"end_word":104,"intents":[{"intent":"Clarify communication","confidence_score":0.07745785}]},{"text":"Well, it's the policy that Caden was calling about is actually your Suncorp policy, That's correct.","start_word":351,"end_word":366,"intents":[{"intent":"Clarify policy alignment","confidence_score":0.00021469359}]},{"text":"So anytime I try and consider your super funds, it will drag me across to consider your insurance because there's insurance built into those funds, which then means I need to try and consider the Suncorp policy at the same time.","start_word":703,"end_word":743,"intents":[{"intent":"Implement suncorp policy","confidence_score":0.00012914867}]},{"text":"It's just we would definitely need to still consider the policy in any advice we're giving you just because we wanna make sure that, you know, when See, we're I talking thought about the everything, Oakview we Financial don't advice came to me because of the the sign up with the Hub twenty four. So Hub twenty four and Oakview are two separate parties. Correct. Yep.","start_word":1056,"end_word":1121,"intents":[{"intent":"Inquire about policy","confidence_score":0.00030236843}]},{"text":"On on on my insurance side of things. And then so OXY Financial used to do the same thing, but for both of them. But my question is, okay, then if that's the case, then why do I need overview financial?","start_word":1431,"end_word":1471,"intents":[{"intent":"Discussing insurance coverage","confidence_score":0.008168337}]},{"text":"Same with Colonial First State. They have very specific investments that they offer, Colonial First State do. And they won't ever contact you to say, hey. We think you should change your investments to do Correct. this.","start_word":1610,"end_word":1646,"intents":[{"intent":"Recommending investments","confidence_score":0.00076656026}]},{"text":"the financial advice Correct.","start_word":2012,"end_word":2015,"intents":[{"intent":"Offer financial advice and advice","confidence_score":0.000008476027}]},{"text":"This is how you achieve them. You know, I need some of the a bit of direction in layman's terms. Yeah.","start_word":2452,"end_word":2472,"intents":[{"intent":"Confirm purpose","confidence_score":0.0001375218}]},{"text":"You know, I need some of the a bit of direction in layman's terms. Yeah. Okay. Look.","start_word":2457,"end_word":2473,"intents":[{"intent":"Express need for direction","confidence_score":0.012253454}]},{"text":"To be completely honest with you, truckies are my favorite clients Yeah.","start_word":2474,"end_word":2485,"intents":[{"intent":"Acknowledge client relationship","confidence_score":0.0008277329}]},{"text":"I get all the printouts, all the emails. So I'm tracking it, like, all good with that stuff, but I just need to get to the next stage. Like, where where can I go? I need to freaking buy a house. All the rest of it, so I need that sort of financial advice. Absolutely.","start_word":2584,"end_word":2638,"intents":[{"intent":"Provide feedback on options","confidence_score":0.000012695183}]},{"text":"All the rest of it, so I need that sort of financial advice. Absolutely.","start_word":2625,"end_word":2638,"intents":[{"intent":"Discuss financial advice","confidence_score":0.15185475}]},{"text":"I I if definitely if need I send your assistance. you an if I send you an email and Yep. ask for you to fill out a budget planner, is that gonna be pushing our friendship so soon? No. No.","start_word":2697,"end_word":2736,"intents":[{"intent":"Offer assistance","confidence_score":0.0047454536}]},{"text":"ask for you to fill out a budget planner, is that gonna be pushing our friendship so soon? No.","start_word":2717,"end_word":2735,"intents":[{"intent":"Discuss financial planning","confidence_score":0.0033389993}]},{"text":"ask for you to fill out a budget planner, is that gonna be pushing our friendship so soon? No. No.","start_word":2717,"end_word":2736,"intents":[{"intent":"Express desire for budget planner","confidence_score":0.007151514}]},{"text":"Well, I'll what I'll do is I'll email you a budget planner. If you are able to fill it out, and what I want is I want I'll put it in the email, but, ultimately, like, what your income is net, and then what I wanna know is where your money's currently going, and we Yep. can really drill down to things a little bit. I Yep.","start_word":2818,"end_word":2884,"intents":[{"intent":"Educate about budget planning","confidence_score":0.0038777776}]},{"text":"Well, what I'll do is I'll get that email sent off to you now, Yep. and we can go from there with regards to everything. But thank you so much for reaffirming that everything's okay on your side. I did wanna flag with you that Kaden did send you an email No. He following did send the me that call, email. I I guess. did read it.","start_word":3144,"end_word":3210,"intents":[{"intent":"Confirm email","confidence_score":0.008839642}]},{"text":"a nine 9AM Brisbane call. It's like 06:30 here in WA. Yeah.","start_word":3536,"end_word":3547,"intents":[{"intent":"Request appointment","confidence_score":0.0014218221}]}]},"sentiments":{"segments":[{"text":"Hello. Ben speaking. Hi, Ben. My name is Larissa from O2 Financial. How are you going?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.16081130504608154},{"text":"You're not too bad yourself. Really good. Thank you. Have I got you at a really good time?","start_word":16,"end_word":33,"sentiment":"positive","sentiment_score":0.4823493063449859},{"text":"Yep. Yep. Go ahead. No. Perfect. Well, before I jump into it, do need to let you know our calls are recorded if that's okay? Yeah. Yep. It's all good. Just to mention that your earpiece is sort of not that clear. Is that a bit better? Yep. Yeah. Yeah. Keep talking. I'll let you know. Okay. Let me know if it drops out or it becomes unclear at all. Amazing. Yep. Sweet. Before I do jump into it, if I could, you have a password on file. Are you able to provide that to me? Perfect. Okay. So the reason of my call was to follow-up from a conversation that you did have with one of my colleagues last week or earlier this week, I should probably say, Yep. with regards to, I guess, misinformation at the time, really. Mhmm. So at the time Caden called you, it was because there had been a flag that came across your file. Mhmm. Now, I guess, to be clear, we are currently in the process of transitioning our CRM, which is our, like, data management system. So when any of those flags for, like, an insurance missed payment do pop up, our policy is to get straight onto our clients. A, it's a point of us being able to contact you, and, b, it's always to make sure that, you know, you're aware. And if the policy is at risk of lapsing, that we can work together to make sure that we can get that resolved. Yeah. So my my question to Caden was why is that Yeah. what why is is that such a thing like an obligation that, like, Hub twenty four has to call me for on terms of the life insurance. Like, that's what I didn't understand. It's like, why is the the the life insurance linked to my my super yeah. Right. Well, it's the policy that Caden was calling about is actually your Suncorp policy, That's correct. Yeah. I understand that. Yeah. which But I want isn't to know, connected. like, why why yeah. Like, so if if but, yeah, I just didn't understand, like, why why how does sorry. Oakview Financial, like, was so interested in calling me if I've missed the payment on life insurance. Like, life insurance is separate to Oakview. Yeah. Right. Well, it's because we're your financial advisers. So with any of the advice that we provide to you so we've provided advice to you previously that that policy is suitable, that, you know, that the insurance that you have in place with with the providers that you have is a suitable position. So we always want to make sure we're dealing with your best interest at hand to ensure that those policies are protected. A, you know, at a time where you say, oh, I just can't afford it. That's where we can sort of maybe assist you in that direction. It's all part of our service. So while we don't, I guess, actively manage it, our name is not attached to it. It's you hold, and we, you know, acting and helping you out. Yeah.","start_word":34,"end_word":560,"sentiment":"neutral","sentiment_score":-0.0363981091440346},{"text":"So what if I what if I don't want that service?","start_word":561,"end_word":571,"sentiment":"negative","sentiment_score":-0.3537498712539673},{"text":"So you you don't wanna engage Like, I with don't OQ want Financial? like, what if I don't want on no.","start_word":572,"end_word":592,"sentiment":"neutral","sentiment_score":-0.3095596134662628},{"text":"No. No. No. What if I don't want advice on life insurance?","start_word":593,"end_word":604,"sentiment":"negative","sentiment_score":-0.3686268925666809},{"text":"What if I just want to, like, do it, like, with Suncorp and just with Suncorp, but I don't want, IG Financial, like, a part of it?","start_word":605,"end_word":631,"sentiment":"neutral","sentiment_score":-0.3233505189418793},{"text":"Is that not an option?","start_word":632,"end_word":636,"sentiment":"negative","sentiment_score":-0.43050748109817505},{"text":"Yeah.","start_word":637,"end_word":637,"sentiment":"neutral","sentiment_score":-0.23272579908370972},{"text":"If you want us to disregard any of, like, the insurance policy that you pay for personally, we can disregard that, Yep. And we can, I guess, like, we can cease looking into the policy and stuff like that?","start_word":638,"end_word":676,"sentiment":"negative","sentiment_score":-0.3470863401889801},{"text":"The only concern I have is that you do have insurance within your super fund as well inside the Colonial First State policy. That's correct. Yep. So anytime I try and consider your super funds, it will drag me across to consider your insurance because there's insurance built into those funds, which then means I need to try and consider the Suncorp policy at the same time. Now I can put a flag on your file that means that we only consider the insurance you have in Suncorp from a benefit point of view, but we don't ever follow you up on the premiums and that you're comfortable to maintain those premiums independently, I can definitely do Yeah. it So that yeah. way. Because because my mindset is is okay. Look. I I I basically have employed OJ Financial to take care of my Mhmm. super side of things only. And then I've gone and done the same thing employed to say, Suncorp for my insurance and sort of thing. So that's that's where it is in my mindset. So I'm sort of like, well, I don't want advice from from cross pollinations of of either parties, really. I just wanna that's just the way my mind works, Yeah. if that makes Okay. sense. I yeah. I I I get what you're talking about. But if I can, I guess, maybe reframe frame your mindset a little bit to consider the fact that, like, OQ Financial don't hold your superannuation? Your superannuation is sitting with sub twenty four, Colonial Correct. First State. So we like, we're separate to those super funds themselves as well. We are giving advice on the actual products. So, you know, Suncorp products, Colonial First State products, Hub twenty four products, and any other advice you ever may want to engage in. So it's not just why I do very much understand, like, you engaged Suncorp and so it's a a thing that you've sort of set up yourself prior to, you know, engaging with us. It's That's correct. So, look, ultimately, I am very happy to we can not follow-up on any, I guess, missed payments.","start_word":677,"end_word":1037,"sentiment":"neutral","sentiment_score":0.0036594602279365063},{"text":"If that's if that's where you wanna that to land, I am happy to do it that way.","start_word":1038,"end_word":1055,"sentiment":"positive","sentiment_score":0.5256105065345764},{"text":"It's just we would definitely need to still consider the policy in any advice we're giving you just because we wanna make sure that, you know, when See, we're I talking thought about the everything, Oakview we Financial don't advice came to me because of the the sign up with the Hub twenty four. So Hub twenty four and Oakview are two separate parties. Correct. Yep. It's Yeah. So Hub twenty four is a a superannuation. super provider. Correct. Yeah. Yeah. So then Yep. so then Mhmm. what what do I need Oakview for then if if they're if Well, they're separate? so any of your superannuation funds don't engage you on a ongoing basis. So a superannuation fund and insurance policy will just let the accounts ride the way they're set up, and it's up to you to then go in and ensure that you're reviewing where that's sitting. Now when it comes to super insurance tax mitigation, investing as a whole, that's where I specialize. I've been in the industry for a decade. I'm qualified under ASIC to be able to provide advice in the areas of of, you know, investments and stuff like that.","start_word":1056,"end_word":1252,"sentiment":"neutral","sentiment_score":-0.014379655942320824},{"text":"And what I do is I work for you to obtain and get you to the goals that you're setting for yourself.","start_word":1253,"end_word":1274,"sentiment":"positive","sentiment_score":0.44358766078948975},{"text":"So if it's Yeah. that you're So in wanting the in to the same breath though, they hear me out. So Hub twenty four and their and their specialist, they provide me with the same services in my within my super. Correct? Yeah. Hub twenty four The platform, Hub twenty four's and advisers. they Yep. they don't Super have advisers. advisers. Well, They whatever don't have you supervisors. wanna call it. They're the employees. Okay? So Yep. they they they call me up and they say, hey, Ben, we've got this investment. We're thinking about this for you, this for you, that that for you. You know, I get I get the emails and I'm like, you know, I can either say, yeah, or may decline. Yes or no. And then Suncorp have the same advisers or employers that do the same thing that they, you know, they Administrators. they do the same thing. Yep. Yep. On on on my insurance side of things. And then so OXY Financial used to do the same thing, but for both of them. But my question is, okay, then if that's the case, then why do I need overview financial? If I've already got if I'm employing both those two parties in those respected companies to do those same things for me on behalf of my super and my insurance, then why do I need overview financial is my question if overview financial was separate to hub Right. So Hub twenty four so twenty Hub twenty four, anyone that you if you you can call Hub four. 24. Correct. Any of the people that you speak to at Hub twenty four are administrators. They are admin. They do not have qualifications nor are they able to provide recommendations on any specific investments to the Hub twenty four. Hub twenty four has thousands of investment options. And what my role is is to recommend specific assets for you to hold within that platform to help the money grow. Yep. Same with Colonial First State. They have very specific investments that they offer, Colonial First State do. And they won't ever contact you to say, hey. We think you should change your investments to do Correct. this. You're that that that they are a 100% correct. Obviously, I've experienced that because I've been with them for years and have not Yes. had one phone call from them. So you're right. Yes. Yes. And, look, Suncorp may you know, obviously, with any insurance policy, you do receive your yearly policy schedule, Yep. which obviously outlines where your policy sits. It outlines the premiums and the benefits that you hold. What it doesn't do is it doesn't explain the underlying features within the policy nor does Suncorp go to the market and say, hey.","start_word":1275,"end_word":1741,"sentiment":"neutral","sentiment_score":-0.03207716632263468},{"text":"Actually, if you move over to provider x, you could be saving a $150 per annum.","start_word":1742,"end_word":1757,"sentiment":"positive","sentiment_score":0.3565143942832947},{"text":"They only act within their platform or their provider, and Yep. they would just say, hey. Your policy's up for renewal. Here's your new premium for the year or your monthly premium that you're gonna get start getting charged from x date. You know? And it's up to you to then reach out to them to say, hey. Actually, I don't need this much insurance anymore or I wanna increase my insurance because I have bought a house, taken on more debt, you know, whatever the Yep. case may Yep. be. Yep. And that's where I come in is I have the conversation with you, you know, each each year or if you wanna catch up more frequently. And we would go through and we would have an in-depth discussion about where your life sits right now, what your income, your goals, where you're wanting to to get to. And then Mhmm. I would go away and I would research the products that you have available, what products are available on market right now, and where we need to make changes within your investments or your life. You know? I do cash flow and budgeting with some of my clients to help them Yep. save more or, you know, manage their finances better. And So so that so then sorry to cut cut you off. no. So Of course. Sorry. part of your services, like what you're saying there, so so part of being a part of overview I financial is see. receiving Mhmm. the financial advice Correct. Yes. as part of the services. Yep. So Yeah. I can tap into that whenever I want. Is that what you're saying? Yes. Yeah. Absolutely. Yeah. So you're able to you're able to to contact us at any time that you may, you know, need advice or assistance. I know that you spoke with my colleague, Kyle, not too too long ago when Yeah. he made Two some days changes ago. to yeah. That was Caden. Oh, You Caden. spoke with Sorry. Kyle, Yes. one Yeah. of No. my advise You're right. Yeah. no. My You're bad. okay. Yeah. Yep. You spoke with Kyle, one of my advisers In the beginning of the year. couple months yeah. Couple months ago or a few months Yep. ago now. And we did some slight slight changes to the investments in your super fund.","start_word":1758,"end_word":2156,"sentiment":"neutral","sentiment_score":0.05225950630759835},{"text":"But, yeah, you're 100% able to tap into the resources that we offer.","start_word":2157,"end_word":2169,"sentiment":"positive","sentiment_score":0.5255125164985657},{"text":"So whether it's Yep. Okay. sometimes And so it's and so where do you sit in in in the letter help of the officer? Your your Cadence on boss? To say? yeah. Yeah. Yeah. I I guess Yeah. so. Caden Or his doesn't manager technically or his fall. So I'm the head of financial advice. So I'm you're a qualified the head. financial planner. Yep. I'm Yep. the So head of where financial so where advice. are you to Kyle then? I am above Kyle, I guess you could say. So I'm talking He to the basically, I'm talking to the top dogs. Okay. So yes. is this the first time that me and you have communicated? This is the first time we have spoken. Yes. So are you offering that you're gonna take care of me then? Since we and and we can do something going forward?","start_word":2170,"end_word":2317,"sentiment":"neutral","sentiment_score":0.06855980306863785},{"text":"I'm more than happy if you want me to be your direct contact that you and I can like, that you can become my client.","start_word":2318,"end_word":2342,"sentiment":"positive","sentiment_score":0.521699070930481},{"text":"Yeah. We could because I'm like, okay. So you you guys are offering these services. I'm sort of like, well, I actually need to get my, you know, my ducks in their own, like, have something going because I'm I'm pretty simple. But, man, I, you know, just for yeah. I work in a mine, so I run, like, you know, a crew of 50 blokes. So pretty pretty flat out on on on the the labor side of things, but I need someone to like that's Yep. gonna look at my financials and go, hey, Ben. You know, what's your goals? Where do you need to go?","start_word":2343,"end_word":2450,"sentiment":"neutral","sentiment_score":0.10575713962316512},{"text":"This is how you achieve them.","start_word":2451,"end_word":2456,"sentiment":"positive","sentiment_score":0.5781780481338501},{"text":"You know, I need some of the a bit of direction in layman's terms. Yeah. Okay. Look. To be completely honest with you, truckies are my favorite clients Yeah. ever, purely and simply Yeah. because we can become more colloquial. Yeah. So Yeah. That's we it. can That's what go I'm plain looking and for. simple. Yep. Yep.","start_word":2457,"end_word":2514,"sentiment":"neutral","sentiment_score":0.20770910382270813},{"text":"Absolutely. Yeah. Sweet.","start_word":2515,"end_word":2517,"sentiment":"positive","sentiment_score":0.4697238802909851},{"text":"So So, I I know yeah, obviously, that you I'm work in a full time role.","start_word":2518,"end_word":2533,"sentiment":"neutral","sentiment_score":0.3310609757900238},{"text":"I'm trying to build up that super through you guys, you know, for the future yeah. because that's basically what OP sold me on. And and I must say, like, since changing the super from Colonial First, it's it's been good. Like, they've taken care of everything. Like, everything's transparent. I get all the printouts, all the emails.","start_word":2534,"end_word":2591,"sentiment":"positive","sentiment_score":0.48828235268592834},{"text":"So I'm tracking it, like, all good with that stuff, but I just need to get to the next stage. Like, where where can I go? I need to freaking buy a house. All the rest of it, so I need that sort of financial advice. Absolutely. Did you wanna have a chat now? Do you wanna have a chat in a little bit, like, in a few days? Yeah. Probably Realistically, in a few days if because I've I've been yeah. today I've got an appointment at 12:30, so I've gotta, like, head to that. But Alright. Yeah. but Well, yeah. do For sure. I I if definitely if need I send your assistance. you an if I send you an email and Yep. ask for you to fill out a budget planner, is that gonna be pushing our friendship so soon? No. No. No. No. That's a lot of, like oh, look. You've given me a call. I can just tell just, you know, you've got a bit of experience in your pocket. Like, not trying to put in on us down in the in the company. They've all been good, but I just need someone to tell it how it is. Look. This is where I'm going.","start_word":2592,"end_word":2801,"sentiment":"neutral","sentiment_score":0.07292126677930355},{"text":"I'm pretty simple.","start_word":2802,"end_word":2804,"sentiment":"positive","sentiment_score":0.4397401213645935},{"text":"If, yeah, if you give me the goals, I'll kick them.","start_word":2805,"end_word":2815,"sentiment":"neutral","sentiment_score":0.2567453384399414},{"text":"Perfect. Alright.","start_word":2816,"end_word":2817,"sentiment":"positive","sentiment_score":0.4731784760951996},{"text":"Well, I'll what I'll do is I'll email you a budget planner. If you are able to fill it out, and what I want is I want I'll put it in the email, but, ultimately, like, what your income is net, and then what I wanna know is where your money's currently going, and we Yep. can really drill down to things a little bit. I Yep. did want to just flag with you that Caden is very much my right hand when it comes to any of my admin stuff. So you will talk to him when it comes to scheduling, but when it comes to the advice side of things, it'll Yep. be me. Okay? Yes. Sweet. So it won't just be always be me because you will need to obviously talk to some of my admin when you're scheduling things in.","start_word":2818,"end_word":2961,"sentiment":"neutral","sentiment_score":0.1227596253156662},{"text":"But, you know, Caden's fantastic at what he does.","start_word":2962,"end_word":2970,"sentiment":"positive","sentiment_score":0.5107704997062683},{"text":"Yep. Oh, look. And That's that's that's no no dispute. I just think when he called me, I had just come off a fourteen hour shift. Like, you I were needed the tired questions to of everything. be pretty much like this is how it was like. Maybe I got him flustered with some of my comments. It's nothing against him. I would have like, I'm old school as they come. So I work with freaking filthy dirty men in a Yeah. in a Yeah. in a gold mine. You know? So we don't we don't take motion. We're just straight to the point. Look. Look, mate. I've got two minutes. Tell me what it is and what it's not. And I think he got a bit flustered there. There's nothing against him. I was like, yeah. He could be cool at his job. I was just yeah. He called me off. Yeah. No. Absolutely. No. I think it was just a bit of a all around mess, but that's absolutely perfect. No. Well, what I'll do is I'll get that email sent off to you now, Yep. and we can go from there with regards to everything.","start_word":2971,"end_word":3168,"sentiment":"neutral","sentiment_score":-0.021351430226456036},{"text":"But thank you so much for reaffirming that everything's okay on your side.","start_word":3169,"end_word":3181,"sentiment":"positive","sentiment_score":0.6531427502632141},{"text":"I did wanna flag with you that Kaden did send you an email No. He following did send the me that call, email. I I guess. did read it. I was like, Yeah. oh, poor fellow. I just yeah. Look. I've if you had a look at my emails, I've got literally thousands of mining emails that I go through, like, all day every day myself. And I'm like, man, I don't even Yeah. know if I'm gonna be able to have a chance to respond to that one. You know, if I saw No. him No. pour his heart out, and I was like, poor fella.","start_word":3182,"end_word":3288,"sentiment":"neutral","sentiment_score":-0.06162678822875023},{"text":"She's probably gonna have trauma.","start_word":3289,"end_word":3293,"sentiment":"negative","sentiment_score":-0.3431970179080963},{"text":"No. He's alright. But, you know, Alright. I'm I'm Perfect. I'm all cool that sometimes I'm so busy. I look at I'm like, man, I've I've even because I haven't been in touch with I you do all have twenty four, five, sometimes I forget, like, how that sits in my schedule. So Yeah. as long as we've got a whole lot of things coming through. But as you jog my memory, I'm like, okay. Yeah. But that's what it was, and this is what it is.","start_word":3294,"end_word":3380,"sentiment":"neutral","sentiment_score":0.09732378274202348},{"text":"It's it's all good. Perfect.","start_word":3381,"end_word":3385,"sentiment":"positive","sentiment_score":0.4516626298427582},{"text":"Can I confirm what kind of swings do you actually do? Just so I can, So, I yeah, guess, I'm on I'm on a two make and note? two roster, but it it it before Cool. Kyle called me, I was doing three months on, two weeks off overseas. So, you know, that was even harder Yes. to catch. So now I'm I'm on a permanent role in Australia now. So, yeah, my roster is two and two. So I've just flown home yesterday.","start_word":3386,"end_word":3469,"sentiment":"neutral","sentiment_score":0.02653494430705905},{"text":"I'm Amazing.","start_word":3470,"end_word":3471,"sentiment":"positive","sentiment_score":0.5884988307952881},{"text":"WA. Are Yep. you No. still WA Yep. based Yep. when you're Based on in Stent? work there. Yeah. Yeah. Yep. Cool. Living. Yep. Cool.","start_word":3472,"end_word":3496,"sentiment":"neutral","sentiment_score":0.05179835855960846},{"text":"Perfect.","start_word":3497,"end_word":3497,"sentiment":"positive","sentiment_score":0.4284629225730896},{"text":"Alright. Cool. So 2 and 2<unk>, you've just come off.","start_word":3498,"end_word":3509,"sentiment":"neutral","sentiment_score":0.16581951081752777},{"text":"Amazing.","start_word":3509,"end_word":3510,"sentiment":"positive","sentiment_score":0.45887625217437744},{"text":"Yeah. So I will so you flag might wanna that put so that that on my way records. I know. Just next time, she's gonna do Yeah. a nine 9AM Brisbane call. It's like 06:30 here in WA. Yeah. A bit early. Yep. No.","start_word":3510,"end_word":3554,"sentiment":"neutral","sentiment_score":0.06279171258211136},{"text":"That's awesome. Thanks so much, Ben. I appreciate the time. All good. All good.","start_word":3554,"end_word":3568,"sentiment":"positive","sentiment_score":0.5642065405845642},{"text":"Well, I'll look for Perfect. that email and then I'll get back to you. Yes. And then what I'll do is in the email, I'll just request the best date for you to for me to give Yep. you a call, and you can just tell me what day and time, and I'll schedule it Yeah. in. So we'll just leave that. We'll just don't even put a flag on that insurance thing. I know what it is now. Like, you that's the advice that you guys give me. No dramas. Yep. We'll leave it at that. And that that thing was a Suncorp. I don't know what's going on there. That was just like a long time ago, and that's been squared up a long time ago No. as well. So I just think it was like a an accounts mishap there because I was like, what? They're calling you over $12. The Insurance last because that's will call what over the the pre pettiest thing. yeah. Yeah. Exactly. I was like, the premiums are $12 a month. Are you kidding me? Like yeah.","start_word":3568,"end_word":3753,"sentiment":"neutral","sentiment_score":-0.04329392686486244},{"text":"I was there's an account to mix up, so not all good.","start_word":3752,"end_word":3763,"sentiment":"negative","sentiment_score":-0.4099655151367187},{"text":"No. Amazing. Alright.","start_word":3764,"end_word":3766,"sentiment":"neutral","sentiment_score":0.09995362907648088},{"text":"Well, I will let you go, and I'll get this email out to you too. Too easy. Thanks for the phone call, and you have a lovely day. You too, Ben.","start_word":3767,"end_word":3797,"sentiment":"positive","sentiment_score":0.5425508618354797},{"text":"Bye. Alright, mate.","start_word":3798,"end_word":3800,"sentiment":"neutral","sentiment_score":0.29547610878944397},{"text":"See you.","start_word":3801,"end_word":3802,"sentiment":"positive","sentiment_score":0.3712920546531677}],"average":{"sentiment":"neutral","sentiment_score":0.039906358904756245}}}}