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No. Honestly, did you wanna finish your annual review now, or did you want me to sort of push it back to another time where you've got a little bit more time ahead of you? It's okay? Yep. Beautiful. I whilst I was on whilst you're making that call, I was able to kinda go back and have a look at your original application for insurances because, I mean, as I sort of looked at beforehand, I'd like to be able to maybe try to reduce the cost a little bit for you and sort of see where we are. Having a look at increasing or altering the nearest policy does make it a lot more expensive. So I'd like to maybe go back and look at any other providers and sort of see what what other cover might be offered here. The only thing I just wanted to double check was one of the things that does factor in is, obviously, your BMI. There's nothing else in your application that really flags as being any major changes to your health at all. Do you know what your height and weight is currently? Or yep. Yep. Okay. Beautiful. So one of the things we did had noted in your original application was your weight then was about a hundred and eighty two, and we had you at about a hundred and eighty three centimeters there. So you're being at hundred and two when we did the application originally. Yeah. So it has come down a bit since that was placed in force in 2020, which is a good aspect. It does mean that your BMI has reduced. So I'd like to go back and just review. Have you lost a large sum of that weight over the past twelve months, or has it been sort of a longer term drop of weight? Yeah. Yeah. Yep. Perfect. No. That's excellent. Okay. Look. She's yeah. She's looking after you. She wants you around a bit longer. No. That's excellent. Well, I'll go back and have a bit of a look. When it comes to insurances, do you feel like the level of cover you have with that life and TPD is appropriate? Did you wanna sort of keep that $500,000 mark of life and TPD, or is there a certain amount that yeah. What is there a yeah. Is there a certain amount that you'd want me to look at as a goal amount, or is it a certain aspect? Did you want me to yeah. The the other thing you can look at the other thing you can sorta look at if it helps you is we can look at maybe paying off the mortgage. So you sorta set a a 485,000 for the mortgage, but then how many years worth of replacement income would you wanna factor into that? Yeah. You you're right. So if we maybe looked at the level of cover for life, and we say paid off the mortgage, that's 485,000 there. But then we also looked at maybe some years worth of income replacement. Would you maybe wanna replace your income based on one year, five years, ten years? What what's important to you? What would you want as a goal for your life cover? Yours. It will it's it's a replacement of your income. Yeah. It's kinda right to replace your income in the event that something happens to you. Yeah. Five years? Yeah. Perfect. And would you like me to base that on, say, 200,000 of income or a 186,000 of income or a 100,000 of income? What kind of income would you want me to base that off? Yeah. Yep. That's okay. The yes. Yeah. Yep. Yeah. Absolutely. Yep. That one fifty? Yeah. Absolutely. So I'll look at replacing the so the cost of reducing the mortgage to zero, so 485,000, and then five years worth of income replacement based on an income of a 150,000 that would be suited? Yeah. The other thing to sort of think of is at the moment, you've got the mortgage cost in place there. But if you as sad as this is, and I'm so sorry, but if you were to then pass away and the life insurance paid off the mortgage, that might be 3 or $400 a week that you're currently putting on the mortgage that they wouldn't have to do. So that would correct. Yep. Yep. Yep. Absolutely. Perfect. Yeah. So based on a 150 k for income replacement and then reducing the mortgage, that would be okay to look at goal wise for your life cover? Yeah. Absolutely. Beautiful. I'll come back with the advice and Sure. Mhmm. So that's that's, yeah, that's a really good question, and that's the next thing we look at, and that is total permanent disability. So that's if you could never able to get back to work again. Your current sum insured for TPD is 593,000. You also can release your super benefit with a 147 on top of that. So you can just realistically be covered for the same amount as your life cover. The thing that I like to point out is that what most people don't realize is that if you are TBD, if you go through TBD and you're under the age of 60, if you then draw all that money out, you actually pay tax on that. The tax can be up to 22%. If we yeah. I know. If if I was to look at factoring that in at the highest tax rate, now it is up to 22%. So, essentially, it it honestly is. I think it's horrible. I think the last thing anyone should be doing is taxing a disability payment if you can't go back to work. That's horrendous. But I do have to kinda factor it into the equation to sort of show you what the outcome might look like. So if we would've factor that in, if you were to take the 740,000 out, the tax estimated at the highest tax rate at 22% is a 162,964. So you could see it yeah. So you could realistically lose a 162,000 out of that. It is important to note that if you do if you ever were to claim on TBD, having us as your advisers, we will help you with the claim, but then we will also provide advice on how to minimize the tax as much as possible, how to maybe keep as much of that invested and draw an income on a regular basis to keep it working as hard as possible. But when I am talking goal wise, I do like to make sure that I'm factoring that information in because I have seen a lot of people go through a claim and go, no. I want the money, but then call back and go, hey. But I've been taxed on this. Like, what the hell? So yeah. Did you want me to sort of if you were unable to go back to work again on a a full time basis like TDD, what sort of happens to the business at this point? Are you able to sell everything off to kinda give you some sort of lump sum buffer? Mhmm. Yep. Yep. Yep. No. That's okay. So thinking about TBD wise, if you were to never able not be able to go back to work again on a permanent capacity, Being that you are 44 and, realistically, whilst we can access your super, you have a lot of living to, you know, to have twenty years plus. And then you've got young kids as well and school fees and things like that. How many years of income replacement would you maybe need to factor into the disability support? Twenty years? We can look at that for you. It are we basing that on, say, a $150,000 of income or your current income or what's yeah. Which could be a very expensive policy. Yeah. The other thing you could maybe look at is if we maybe looked at reducing, say, you paid out the 485,000 of the mortgage, which obviously leaves a little bit of extra income. And then maybe would you need to live on less on a yearly basis? Would you be comfortable with maybe a 100,000 for the next five or ten years? Or do you think that not having the mortgage you could realistically if you weren't working. Yeah. No. The TPD pays or pays that sorry. The life cover? Mhmm. Yep. The death cover. Yeah. Yeah. Definitely. Yep. Yep. With Yep. Yeah. That's okay. So TPD pays that either a lump sum benefit or an income stream if you're permanently disabled, so not able to go back to work again ever. You can also have your super released under that circumstances, but, again, it goes to there are taxation consequences if you're under the age of sixty. Yeah. If you're over 60, it's completely tax free. So, like, if you're gonna be disabled, we'll try and do it later on this pack. But, yeah, it's just about trying to find a level cover that you're comfortable with paying for whilst knowing that that can affect your retirement figure. Did you want me to look at maybe a million dollars or 1.5, or did you just want to get what would you like to see? Do you think 1,000,000 even? Or yeah. Yeah. That's that's okay. So if if I look at that, just to kinda give you an idea, a million dollars of cover just with your TBD minus the mortgage of 485,000 leaves about 515,000. This is not counting in tax side of things, But then dividing that by a $100,000 a year or even $50,000 a year if you're not working and not having as high an expenditure could last for about ten years of income replacement. Keeping in mind that the more you reduce the mortgage, the more of that insurance provides a greater benefit long term. Does that feel appropriate goals wise, or did you wanna look at a bit more cover? Yeah. I'll look at a million dollars for you. Yeah. Beautiful. You can Yeah. Of course. Mhmm. So not under TBD, but you do have income protection. Yeah. And you do have income protection. So your income protection monthly benefit currently provides a a monthly pretax benefit of 5,091. With that monthly benefit, you're covered for at the moment that was based on your income back when we initially went through the application side of things, and it does increase a little bit over time there. But would that you know, it's pretax. You'd probably end up with about, say, roughly 4,600 on a monthly basis. Does that plus your wife's income cover your regular regular expenditure? Would you need to be covered for a bit more income protection wise? Mhmm. I mean, if I if I base it on, say, you've mentioned income of about 200 thousand To be covered under income protection, you can be covered for up to 70% of your pre disability income. If I look at, say, 200,000, 70%, it means you would need a monthly benefit of around about $11,006.06 6. But that obviously income protection is the biggest part of your insurance cost. So you could look at, you know, the full 70% of your income or 60% of your income, or if you just wanna kinda cover your monthly expenditure and maybe have a certain amount of cover, How much do you feel like you should be covered for? Yep. 7,000 per month. So, like, a net 7,000 a month for after taxes. Yep. Yeah. Are you comfortable with me just maybe looking at that 7,000 net income protection benefit amount, or did you wanna maybe look at trying to cover yourself for the higher amount? Or did you want me to go back and look at both and see what the costing is? 7? Yep. Beautiful. Yep. So I'll look at a net income protection monthly benefit of 7,000 for you to cover expenditure. Yep. Yep. Beautiful. No. No. You're fine. Not a problem at all. Oh, bless our little hearts. With your income protection, you've also got a couple of other things to think about. One of those is a a waiting period for how long you would have to be off work and covering your own expenditure prior to you making a claim. You currently have thirty days. If you were to extend that out and wait longer, you can make the policy more cheaper, but it's also you know, do you have enough to fall back on? What happens if you're off for thirty days? Yeah. Do you think thirty days is appropriate, or did you wanna look at something longer? Or yep. Beautiful. And with the benefit period, that's how long you can be on an income protection claim for. You currently have two years. Benefit periods can be two years, five years, or up to age 65. Notably, the longer you have the benefit period for, the more the insurance is gonna cost, but the longer you can be on a claim for given the risk of something occurring, that would be okay. Yep. Beautiful. Beautiful. With the life and TPD cover, I can always try and make the cost cheaper, link the policies together. So if I look at a million dollars of life cover as well as PPD and link the policies together, I can try to get, like, a multi policy discount and try to make the insurances cheaper for you. Are you comfortable with that? Yep. Yep. Yep. Absolutely. You see, this, yeah, this policy was put in place in 2020, so it has been in place for a while. And some of the older policies do get a lot more expensive. Yeah. Correct. Yeah. So let's definitely let's definitely look at what we can do to make this cheaper. It was the first thing I saw when I looked at your annual review documents, and I went, yeah. I think we need to try and do something with this to make your system work harder. Absolutely. Yeah. Yeah. No. We'll help you out. That's what you have us for, so let's let's make it worthwhile for you. Yeah. All good. Now with the life and TBD, I can look at just looking for a million dollars of those covers and then you having your super benefit paid on top of that. Would you like it sort of looked that way, or would you like me to try and reduce the cost by, say, having a million dollars of life and TBD cover then subtracting your super balance away from that to have that included. Do you does that make sense? Yeah. Did what would you sort of prefer? Would you like the million dollars excluding your super balance or including your super balance? Including? Yep. So factor in super. Yep. Yeah. Absolutely. Leave that with me. Now there are other types of insurances that you can hold. These are out of pocket. There's things like trauma and child trauma. Trauma pays out a lump sum tax free benefit if you, say, have a heart attack, a stroke, get diagnosed with cancer, Parkinson's, MS, and major traumatic conditions. And child trauma pays out a lump sum benefit if one of your children passed away or if they are diagnosed with a major condition as well. Did you wanna look at any additional insurances on top of what you have, or are you happy just with the three that we've kinda gone through? Yep. That's absolutely fine. I know I touch in a lot, and it can be quite complex. Do you have any questions or anything that I haven't sorta touched on with the insurances that you might wanna have me talk about? Yep. Yeah. And the correct answer is yes. You have the income protection benefit there whilst it is a bit low at the moment. You just got a thirty day waiting period. What I would suggest is if anything was to happen to you and you are thinking you're gonna be off to that time frame, let us know straight away so we can help you with the claim. We can let the insurer know that you're off work. That way, they can start the thirty day waiting period, get the claim documents ready. That way, once that thirty day hits, we can process the claim fairly quickly for you. But you have us here to help you facilitate those things. Okay? Yep. That's okay. Fantastic. Well, I've got some work to do there, which is great. If no. You're no. I love it. Honestly, this is what you have us for. You you may as well use us. You pay for having an adviser, so use us to your full extent. Okay? If if if you're comfortable, I might also just look at your super as well. Since I'm looking at the insurances, I'll go back and review the super. I know we have this made a change on that, but I can review to see if there's a better portfolio, see what's working, and see how I can maximize all of your benefits to get things working harder. Are you happy with that? Yep. Beautiful. Excellent. And with your super and your life cover, just wanted to confirm, beneficiary nomination should be set to have everything paid to your wife. Is that right? Is is that what you're comfortable with? Yes. Yeah. Beautiful. I'll I'll make sure everything is reflective of that. Have you guys got a will and power of attorney set up? Have you just talked about that? I'm so sorry. Yeah. Yeah. I'm so sorry. Yeah. Oh, I'm so sorry to hear that. But, no, absolutely, doing a will is extremely important thinking The services of a solicitor to do so, you also do can do a will kit at the post office, so they are more contestable. So, realistically, having a solicitor do that and paying some extra money to have it set up correctly is met in your benefit. Absolutely. We can always just send you a referral, not so much a referral email, but just an email in relation to some a local solicitor within Queensland that we can always provide details on if you'd like to just to look at the costing and just to start the conversation. Would you like me to generate that for you? Yeah. Yeah. Absolutely. We'll get that email out to you. Not a problem at all. And then just to update a few other details for you, your car that we have on file, you had a value on that last year of 35,000. Would you value that the same, do you think? Or your car. Yeah. That's okay. If you had to sell that, what what value is it to you? What would you sell it for? Yep. Yep. Yeah. That's okay. Okay. So what's the value would you put on the Land Cruiser, do you think? Okay. Yeah. Beautiful. And with the other yeah. That's okay. The the loan on the other the other vehicle we had, you owed 35,000 last would that have decreased a little bit? Okay. 15? Yep. Beautiful. And I'll write here due to be paid out the next few months. Few months. Beautiful. Fantastic. Thank you for updating that. I've also with the Land Cruiser, do you have a loan on that vehicle? Do you know roughly how much that might be? 40,000? Lovely. I've also got tools and trailer with a combined value of 25,000. Would that be accurate, or would that be more or less? Yeah. No. Okay. Yep. Beautiful. Absolutely. Let's pop that on there. I'll just put 40,000 down there for you. Do you have any other assets or liabilities or anything else that you would note down of value? Yep. That's okay. And what's the value would you put on the caravan? 25,000? Beautiful. Do you have any debts on that one at all? Nope. That's okay. And for the advice document updating things, are you happy for me to use your income at a level of about 200,000, or what kind of income do you think you would have me factor in for the advice document? Yep. Beautiful. And not you don't want me to consider contributions right now? We'll look at that down the track. Is that right? It's money putting into super in six months. No. That's absolutely fine. Just wanna make sure I've got everything across correctly for you. That's all good. And I just have to update your next of kin on file as well. What's your wife's name? Beautiful. And same surname as yourself, Baker? No? Yep. Fantastic. And do you know her phone number off by heart at all? Yes. Yep. 840. Fantastic. Thank you for updating that. The only other thing I need to sort of double check is just your risk profile. So just very simply three questions to kinda go through. If you were to, say, find your super had fallen in value over the next one to two years, say, it had fallen in value by 20% due to what was happening globally, how do you think you might be feeling? Are you thinking that you might feel it's an investment opportunity, maybe chuck some money in the super and take advantage of that time? Are you likely to hold and wait and call us and see what we suggest you do, or are you a bit nervous and maybe wanting to sell the investments to cash? How do you think you might react? Yeah. Yeah. Yeah. Yep. Yeah. That's that's okay. No. That's okay. That's absolutely fine. I can tick that box. Now when you think about your risk profile so at the moment, with the way I can see things, you're meant to be more of a high growth environment. So that is where you're trying to take a little bit more risk in the market in order to try and get greater potential returns. But we are aware that there are gonna be, you know, negative years. And this is probably a good example of, you know, the ups and downs. That high growth environment, we can expect a negative year, say, one in every five years. It does suit someone who has about eight years before they're planning to access that super. And if you were to think about risk out of a number between one and five, one being all in cash, five being all in the market, you're actually seeing it about a four there. So you're realistically not the highest level of risk, but you are up there. If you think about that, how do you sort of feel? Are you comfortable taking on more risk to get greater potential returns knowing that there is a downside as well, or are you feeling like you should be a little bit lower risk? Where would you see yourself sitting on that scale? Yep. Yep. Yeah. Look. Honestly, as I said, you're basically the same age as me. We do have about twenty years before we can access super at this point. So we do have time to be in that higher risk environment. If you were, say, eight or nine years away from accessing super, I'd be very much going, hey. Let's talk about reducing it back a little bit. Yeah. So I would be guiding you through that point. But right now, because especially with not adding any additional contributions to super, you can probably look at taking on a bit more risk and trying to compound those returns a little bit more. And when you sort of are able to access or put more money in the super, then we could always look at reducing it back a little bit to kind of compensate. Does that make sense? Yeah. That's that's all good. The last question I have is, realistically, if you saw your super fall in value, how does it make you feel? Are you optimistic about the investment opportunities? Feeling a bit cautious, concerned, or anxious, where would you sort of see yourself? Yep. Yep. That's okay. Excellent. And the last one here is have you ever thought about borrowing to, say, invest in shares or managed funds, or do you consider that too risky and only ever wanted to borrow for, say, property? Where do you sort of see that answer? That's okay. Have you ever considered borrowing from a bank or financial institution in order to invest in shares or manage funds, or have you only ever thought about borrowing for, say, property? Yep. Yep. Yep. We don't. It is something that advisers are very, very hesitant on advising on. I can send you some general information and some research data if you like, but it is a very risky kind of investment. People do lose a lot of money. The biggest thing there is that the market's never actually closed, so it is very hard to value those sorts of investments. Yeah. At the moment, yeah, given your goals and your age and state, if there was any reason I mean, we just physically can't advise to do it in any way, shape, or form. It's not under our license to do so, but there are other ways to invest if you wanted to build wealth outside of super. Let me know. We can definitely talk more about the options and what that looks like and see if there's a a better way to kinda create long term wealth for you. Yeah. So same as your your super portfolio, we can build investment portfolios. We have access to investment bonds as well, child bonds if you're trying to build wealth for your kids, and also just the cash on budgeting advice or property depending on what year after if you wanted to borrow to, say, have investment properties and things like that as well. So there are other ways to build wealth. Yeah. Yeah. Well, we'd need yeah. So you'd sort of need to look at what your borrowing capacity is. So speak to a mortgage broker to find out whether you have borrowing capacity, what you're able to borrow, and then finding a property. Once you understand that, then you can always come back, and I can provide additional advice around that for you. Yeah. No. So you actually can't, under the changes to legislation, purchase residential property inside super with a loan anymore if you had enough to buy the property outright. No. They've changed the legislation. So as of the August 10 this year, the legislation has been changed, so you can't hold that have loans for inside super for residential property. They only allow for commercial property now, unfortunately. Yeah. It is. They know. They saw everyone coming. All good. The only other thing to let you know, look, you scored in that high growth area. I'm happy to keep you in that. Would you like me just to keep that going as it is for the moment, update the advice of what we have, and then we revisit it in six months' time? Does that work for you, Heath? Yep. Beautiful. Yeah. Absolutely. Absolutely. The only other thing to let you know is in that email, you've got your ongoing service agreement as well. You are on 1.65% at the moment with our new fee structure. The more your balance increases, so once you get to that $200,000 mark, you'll actually drop into the next tier. And we work at our fee as a dollar figure now so that it's a set fee. You know exactly how much you'll pay for the year. Okay? Yeah. Excellent. I'll get you to sign and return that back for me as at your earliest opportunity. I'll get stuck into the research. I just need to make sure one of my team can do a pre assessment with you one day, maybe next week. Is there a day someone can give you a call just to run through a quick pre assessment for my research for the advice? Yeah. Yes. Next Thursday, the twenty seventh? Yeah. I can book it in for 03:30 if you like. My colleague, Samantha, will give you a call. This one's through a free assessment questionnaire. It just helps me to understand what kind of insurance terms might be offered and reassess the contracts for you prior to updating the advice. Is that okay? Fantastic. Look. I will let you go. I've taken up way too much of your time, but I really appreciate you this afternoon. If you can sign and return that email back for me, and I'll get stuck into the research and update the advice for you. Does that sound okay? My pleasure. Thank you for your time, Heath. I'm so sorry for the trouble. I hope everything is okay, and you have a lovely afternoon. My pleasure. Enjoy your day. See you later. 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Hey. This is Dana again. Is now okay to give you a callback? Yeah.\n\nThat's, like no. You're absolutely fine. Is everything okay? Yeah. Oh, I'm so sorry.\n\nYeah. Okay. Understandable. No. Honestly, did you wanna finish your annual review now, or did you want me to sort of push it back to another time where you've got a little bit more time ahead of you?\n\nIt's okay? Yep. Beautiful. I whilst I was on whilst you're making that call, I was able to kinda go back and have a look at your original application for insurances because, I mean, as I sort of looked at beforehand, I'd like to be able to maybe try to reduce the cost a little bit for you and sort of see where we are. Having a look at increasing or altering the nearest policy does make it a lot more expensive.\n\nSo I'd like to maybe go back and look at any other providers and sort of see what what other cover might be offered here. The only thing I just wanted to double check was one of the things that does factor in is, obviously, your BMI. There's nothing else in your application that really flags as being any major changes to your health at all. Do you know what your height and weight is currently? Or yep.\n\nYep. Okay. Beautiful. So one of the things we did had noted in your original application was your weight then was about a hundred and eighty two, and we had you at about a hundred and eighty three centimeters there. So you're being at hundred and two when we did the application originally.\n\nYeah. So it has come down a bit since that was placed in force in 2020, which is a good aspect. It does mean that your BMI has reduced. So I'd like to go back and just review. Have you lost a large sum of that weight over the past twelve months, or has it been sort of a longer term drop of weight?\n\nYeah. Yeah. Yep. Perfect. No.\n\nThat's excellent. Okay. Look. She's yeah. She's looking after you.\n\nShe wants you around a bit longer. No. That's excellent. Well, I'll go back and have a bit of a look. When it comes to insurances, do you feel like the level of cover you have with that life and TPD is appropriate?\n\nDid you wanna sort of keep that $500,000 mark of life and TPD, or is there a certain amount that yeah. What is there a yeah. Is there a certain amount that you'd want me to look at as a goal amount, or is it a certain aspect? Did you want me to yeah. The the other thing you can look at the other thing you can sorta look at if it helps you is we can look at maybe paying off the mortgage.\n\nSo you sorta set a a 485,000 for the mortgage, but then how many years worth of replacement income would you wanna factor into that? Yeah. You you're right. So if we maybe looked at the level of cover for life, and we say paid off the mortgage, that's 485,000 there. But then we also looked at maybe some years worth of income replacement.\n\nWould you maybe wanna replace your income based on one year, five years, ten years? What what's important to you? What would you want as a goal for your life cover? Yours. It will it's it's a replacement of your income.\n\nYeah. It's kinda right to replace your income in the event that something happens to you. Yeah. Five years? Yeah.\n\nPerfect. And would you like me to base that on, say, 200,000 of income or a 186,000 of income or a 100,000 of income? What kind of income would you want me to base that off? Yeah. Yep.\n\nThat's okay. The yes. Yeah. Yep. Yeah.\n\nAbsolutely. Yep. That one fifty? Yeah. Absolutely.\n\nSo I'll look at replacing the so the cost of reducing the mortgage to zero, so 485,000, and then five years worth of income replacement based on an income of a 150,000 that would be suited? Yeah. The other thing to sort of think of is at the moment, you've got the mortgage cost in place there. But if you as sad as this is, and I'm so sorry, but if you were to then pass away and the life insurance paid off the mortgage, that might be 3 or $400 a week that you're currently putting on the mortgage that they wouldn't have to do. So that would correct.\n\nYep. Yep. Yep. Absolutely. Perfect.\n\nYeah. So based on a 150 k for income replacement and then reducing the mortgage, that would be okay to look at goal wise for your life cover? Yeah. Absolutely. Beautiful.\n\nI'll come back with the advice and Sure. Mhmm. So that's that's, yeah, that's a really good question, and that's the next thing we look at, and that is total permanent disability. So that's if you could never able to get back to work again. Your current sum insured for TPD is 593,000.\n\nYou also can release your super benefit with a 147 on top of that. So you can just realistically be covered for the same amount as your life cover. The thing that I like to point out is that what most people don't realize is that if you are TBD, if you go through TBD and you're under the age of 60, if you then draw all that money out, you actually pay tax on that. The tax can be up to 22%. If we yeah.\n\nI know. If if I was to look at factoring that in at the highest tax rate, now it is up to 22%. So, essentially, it it honestly is. I think it's horrible. I think the last thing anyone should be doing is taxing a disability payment if you can't go back to work.\n\nThat's horrendous. But I do have to kinda factor it into the equation to sort of show you what the outcome might look like. So if we would've factor that in, if you were to take the 740,000 out, the tax estimated at the highest tax rate at 22% is a 162,964. So you could see it yeah. So you could realistically lose a 162,000 out of that.\n\nIt is important to note that if you do if you ever were to claim on TBD, having us as your advisers, we will help you with the claim, but then we will also provide advice on how to minimize the tax as much as possible, how to maybe keep as much of that invested and draw an income on a regular basis to keep it working as hard as possible. But when I am talking goal wise, I do like to make sure that I'm factoring that information in because I have seen a lot of people go through a claim and go, no. I want the money, but then call back and go, hey. But I've been taxed on this. Like, what the hell?\n\nSo yeah. Did you want me to sort of if you were unable to go back to work again on a a full time basis like TDD, what sort of happens to the business at this point? Are you able to sell everything off to kinda give you some sort of lump sum buffer? Mhmm. Yep.\n\nYep. Yep. No. That's okay. So thinking about TBD wise, if you were to never able not be able to go back to work again on a permanent capacity, Being that you are 44 and, realistically, whilst we can access your super, you have a lot of living to, you know, to have twenty years plus.\n\nAnd then you've got young kids as well and school fees and things like that. How many years of income replacement would you maybe need to factor into the disability support? Twenty years? We can look at that for you. It are we basing that on, say, a $150,000 of income or your current income or what's yeah.\n\nWhich could be a very expensive policy. Yeah. The other thing you could maybe look at is if we maybe looked at reducing, say, you paid out the 485,000 of the mortgage, which obviously leaves a little bit of extra income. And then maybe would you need to live on less on a yearly basis? Would you be comfortable with maybe a 100,000 for the next five or ten years?\n\nOr do you think that not having the mortgage you could realistically if you weren't working. Yeah. No. The TPD pays or pays that sorry. The life cover?\n\nMhmm. Yep. The death cover. Yeah. Yeah.\n\nDefinitely. Yep. Yep. With Yep. Yeah.\n\nThat's okay. So TPD pays that either a lump sum benefit or an income stream if you're permanently disabled, so not able to go back to work again ever. You can also have your super released under that circumstances, but, again, it goes to there are taxation consequences if you're under the age of sixty. Yeah. If you're over 60, it's completely tax free.\n\nSo, like, if you're gonna be disabled, we'll try and do it later on this pack. But, yeah, it's just about trying to find a level cover that you're comfortable with paying for whilst knowing that that can affect your retirement figure. Did you want me to look at maybe a million dollars or 1.5, or did you just want to get what would you like to see? Do you think 1,000,000 even? Or yeah.\n\nYeah. That's that's okay. So if if I look at that, just to kinda give you an idea, a million dollars of cover just with your TBD minus the mortgage of 485,000 leaves about 515,000. This is not counting in tax side of things, But then dividing that by a $100,000 a year or even $50,000 a year if you're not working and not having as high an expenditure could last for about ten years of income replacement. Keeping in mind that the more you reduce the mortgage, the more of that insurance provides a greater benefit long term.\n\nDoes that feel appropriate goals wise, or did you wanna look at a bit more cover? Yeah. I'll look at a million dollars for you. Yeah. Beautiful.\n\nYou can Yeah. Of course. Mhmm. So not under TBD, but you do have income protection. Yeah.\n\nAnd you do have income protection. So your income protection monthly benefit currently provides a a monthly pretax benefit of 5,091. With that monthly benefit, you're covered for at the moment that was based on your income back when we initially went through the application side of things, and it does increase a little bit over time there. But would that you know, it's pretax. You'd probably end up with about, say, roughly 4,600 on a monthly basis.\n\nDoes that plus your wife's income cover your regular regular expenditure? Would you need to be covered for a bit more income protection wise? Mhmm. I mean, if I if I base it on, say, you've mentioned income of about 200 thousand To be covered under income protection, you can be covered for up to 70% of your pre disability income. If I look at, say, 200,000, 70%, it means you would need a monthly benefit of around about $11,006.06 6.\n\nBut that obviously income protection is the biggest part of your insurance cost. So you could look at, you know, the full 70% of your income or 60% of your income, or if you just wanna kinda cover your monthly expenditure and maybe have a certain amount of cover, How much do you feel like you should be covered for? Yep. 7,000 per month. So, like, a net 7,000 a month for after taxes.\n\nYep. Yeah. Are you comfortable with me just maybe looking at that 7,000 net income protection benefit amount, or did you wanna maybe look at trying to cover yourself for the higher amount? Or did you want me to go back and look at both and see what the costing is? 7?\n\nYep. Beautiful. Yep. So I'll look at a net income protection monthly benefit of 7,000 for you to cover expenditure. Yep.\n\nYep. Beautiful. No. No. You're fine.\n\nNot a problem at all. Oh, bless our little hearts. With your income protection, you've also got a couple of other things to think about. One of those is a a waiting period for how long you would have to be off work and covering your own expenditure prior to you making a claim. You currently have thirty days.\n\nIf you were to extend that out and wait longer, you can make the policy more cheaper, but it's also you know, do you have enough to fall back on? What happens if you're off for thirty days? Yeah. Do you think thirty days is appropriate, or did you wanna look at something longer? Or yep.\n\nBeautiful. And with the benefit period, that's how long you can be on an income protection claim for. You currently have two years. Benefit periods can be two years, five years, or up to age 65. Notably, the longer you have the benefit period for, the more the insurance is gonna cost, but the longer you can be on a claim for given the risk of something occurring, that would be okay.\n\nYep. Beautiful. Beautiful. With the life and TPD cover, I can always try and make the cost cheaper, link the policies together. So if I look at a million dollars of life cover as well as PPD and link the policies together, I can try to get, like, a multi policy discount and try to make the insurances cheaper for you.\n\nAre you comfortable with that? Yep. Yep. Yep. Absolutely.\n\nYou see, this, yeah, this policy was put in place in 2020, so it has been in place for a while. And some of the older policies do get a lot more expensive. Yeah. Correct. Yeah.\n\nSo let's definitely let's definitely look at what we can do to make this cheaper. It was the first thing I saw when I looked at your annual review documents, and I went, yeah. I think we need to try and do something with this to make your system work harder. Absolutely. Yeah.\n\nYeah. No. We'll help you out. That's what you have us for, so let's let's make it worthwhile for you. Yeah.\n\nAll good. Now with the life and TBD, I can look at just looking for a million dollars of those covers and then you having your super benefit paid on top of that. Would you like it sort of looked that way, or would you like me to try and reduce the cost by, say, having a million dollars of life and TBD cover then subtracting your super balance away from that to have that included. Do you does that make sense? Yeah.\n\nDid what would you sort of prefer? Would you like the million dollars excluding your super balance or including your super balance? Including? Yep. So factor in super.\n\nYep. Yeah. Absolutely. Leave that with me. Now there are other types of insurances that you can hold.\n\nThese are out of pocket. There's things like trauma and child trauma. Trauma pays out a lump sum tax free benefit if you, say, have a heart attack, a stroke, get diagnosed with cancer, Parkinson's, MS, and major traumatic conditions. And child trauma pays out a lump sum benefit if one of your children passed away or if they are diagnosed with a major condition as well. Did you wanna look at any additional insurances on top of what you have, or are you happy just with the three that we've kinda gone through?\n\nYep. That's absolutely fine. I know I touch in a lot, and it can be quite complex. Do you have any questions or anything that I haven't sorta touched on with the insurances that you might wanna have me talk about? Yep.\n\nYeah. And the correct answer is yes. You have the income protection benefit there whilst it is a bit low at the moment. You just got a thirty day waiting period. What I would suggest is if anything was to happen to you and you are thinking you're gonna be off to that time frame, let us know straight away so we can help you with the claim.\n\nWe can let the insurer know that you're off work. That way, they can start the thirty day waiting period, get the claim documents ready. That way, once that thirty day hits, we can process the claim fairly quickly for you. But you have us here to help you facilitate those things. Okay?\n\nYep. That's okay. Fantastic. Well, I've got some work to do there, which is great. If no.\n\nYou're no. I love it. Honestly, this is what you have us for. You you may as well use us. You pay for having an adviser, so use us to your full extent.\n\nOkay? If if if you're comfortable, I might also just look at your super as well. Since I'm looking at the insurances, I'll go back and review the super. I know we have this made a change on that, but I can review to see if there's a better portfolio, see what's working, and see how I can maximize all of your benefits to get things working harder. Are you happy with that?\n\nYep. Beautiful. Excellent. And with your super and your life cover, just wanted to confirm, beneficiary nomination should be set to have everything paid to your wife. Is that right?\n\nIs is that what you're comfortable with? Yes. Yeah. Beautiful. I'll I'll make sure everything is reflective of that.\n\nHave you guys got a will and power of attorney set up? Have you just talked about that? I'm so sorry. Yeah. Yeah.\n\nI'm so sorry. Yeah. Oh, I'm so sorry to hear that. But, no, absolutely, doing a will is extremely important thinking The services of a solicitor to do so, you also do can do a will kit at the post office, so they are more contestable. So, realistically, having a solicitor do that and paying some extra money to have it set up correctly is met in your benefit.\n\nAbsolutely. We can always just send you a referral, not so much a referral email, but just an email in relation to some a local solicitor within Queensland that we can always provide details on if you'd like to just to look at the costing and just to start the conversation. Would you like me to generate that for you? Yeah. Yeah.\n\nAbsolutely. We'll get that email out to you. Not a problem at all. And then just to update a few other details for you, your car that we have on file, you had a value on that last year of 35,000. Would you value that the same, do you think?\n\nOr your car. Yeah. That's okay. If you had to sell that, what what value is it to you? What would you sell it for?\n\nYep. Yep. Yeah. That's okay. Okay.\n\nSo what's the value would you put on the Land Cruiser, do you think? Okay. Yeah. Beautiful. And with the other yeah.\n\nThat's okay. The the loan on the other the other vehicle we had, you owed 35,000 last would that have decreased a little bit? Okay. 15? Yep.\n\nBeautiful. And I'll write here due to be paid out the next few months. Few months. Beautiful. Fantastic.\n\nThank you for updating that. I've also with the Land Cruiser, do you have a loan on that vehicle? Do you know roughly how much that might be? 40,000? Lovely.\n\nI've also got tools and trailer with a combined value of 25,000. Would that be accurate, or would that be more or less? Yeah. No. Okay.\n\nYep. Beautiful. Absolutely. Let's pop that on there. I'll just put 40,000 down there for you.\n\nDo you have any other assets or liabilities or anything else that you would note down of value? Yep. That's okay. And what's the value would you put on the caravan? 25,000?\n\nBeautiful. Do you have any debts on that one at all? Nope. That's okay. And for the advice document updating things, are you happy for me to use your income at a level of about 200,000, or what kind of income do you think you would have me factor in for the advice document?\n\nYep. Beautiful. And not you don't want me to consider contributions right now? We'll look at that down the track. Is that right?\n\nIt's money putting into super in six months. No. That's absolutely fine. Just wanna make sure I've got everything across correctly for you. That's all good.\n\nAnd I just have to update your next of kin on file as well. What's your wife's name? Beautiful. And same surname as yourself, Baker? No?\n\nYep. Fantastic. And do you know her phone number off by heart at all? Yes. Yep.\n\n840. Fantastic. Thank you for updating that. The only other thing I need to sort of double check is just your risk profile. So just very simply three questions to kinda go through.\n\nIf you were to, say, find your super had fallen in value over the next one to two years, say, it had fallen in value by 20% due to what was happening globally, how do you think you might be feeling? Are you thinking that you might feel it's an investment opportunity, maybe chuck some money in the super and take advantage of that time? Are you likely to hold and wait and call us and see what we suggest you do, or are you a bit nervous and maybe wanting to sell the investments to cash? How do you think you might react? Yeah.\n\nYeah. Yeah. Yep. Yeah. That's that's okay.\n\nNo. That's okay. That's absolutely fine. I can tick that box. Now when you think about your risk profile so at the moment, with the way I can see things, you're meant to be more of a high growth environment.\n\nSo that is where you're trying to take a little bit more risk in the market in order to try and get greater potential returns. But we are aware that there are gonna be, you know, negative years. And this is probably a good example of, you know, the ups and downs. That high growth environment, we can expect a negative year, say, one in every five years. It does suit someone who has about eight years before they're planning to access that super.\n\nAnd if you were to think about risk out of a number between one and five, one being all in cash, five being all in the market, you're actually seeing it about a four there. So you're realistically not the highest level of risk, but you are up there. If you think about that, how do you sort of feel? Are you comfortable taking on more risk to get greater potential returns knowing that there is a downside as well, or are you feeling like you should be a little bit lower risk? Where would you see yourself sitting on that scale?\n\nYep. Yep. Yeah. Look. Honestly, as I said, you're basically the same age as me.\n\nWe do have about twenty years before we can access super at this point. So we do have time to be in that higher risk environment. If you were, say, eight or nine years away from accessing super, I'd be very much going, hey. Let's talk about reducing it back a little bit. Yeah.\n\nSo I would be guiding you through that point. But right now, because especially with not adding any additional contributions to super, you can probably look at taking on a bit more risk and trying to compound those returns a little bit more. And when you sort of are able to access or put more money in the super, then we could always look at reducing it back a little bit to kind of compensate. Does that make sense? Yeah.\n\nThat's that's all good. The last question I have is, realistically, if you saw your super fall in value, how does it make you feel? Are you optimistic about the investment opportunities? Feeling a bit cautious, concerned, or anxious, where would you sort of see yourself? Yep.\n\nYep. That's okay. Excellent. And the last one here is have you ever thought about borrowing to, say, invest in shares or managed funds, or do you consider that too risky and only ever wanted to borrow for, say, property? Where do you sort of see that answer?\n\nThat's okay. Have you ever considered borrowing from a bank or financial institution in order to invest in shares or manage funds, or have you only ever thought about borrowing for, say, property? Yep. Yep. Yep.\n\nWe don't. It is something that advisers are very, very hesitant on advising on. I can send you some general information and some research data if you like, but it is a very risky kind of investment. People do lose a lot of money. The biggest thing there is that the market's never actually closed, so it is very hard to value those sorts of investments.\n\nYeah. At the moment, yeah, given your goals and your age and state, if there was any reason I mean, we just physically can't advise to do it in any way, shape, or form. It's not under our license to do so, but there are other ways to invest if you wanted to build wealth outside of super. Let me know. We can definitely talk more about the options and what that looks like and see if there's a a better way to kinda create long term wealth for you.\n\nYeah. So same as your your super portfolio, we can build investment portfolios. We have access to investment bonds as well, child bonds if you're trying to build wealth for your kids, and also just the cash on budgeting advice or property depending on what year after if you wanted to borrow to, say, have investment properties and things like that as well. So there are other ways to build wealth. Yeah.\n\nYeah. Well, we'd need yeah. So you'd sort of need to look at what your borrowing capacity is. So speak to a mortgage broker to find out whether you have borrowing capacity, what you're able to borrow, and then finding a property. Once you understand that, then you can always come back, and I can provide additional advice around that for you.\n\nYeah. No. So you actually can't, under the changes to legislation, purchase residential property inside super with a loan anymore if you had enough to buy the property outright. No. They've changed the legislation.\n\nSo as of the August 10 this year, the legislation has been changed, so you can't hold that have loans for inside super for residential property. They only allow for commercial property now, unfortunately. Yeah. It is. They know.\n\nThey saw everyone coming. All good. The only other thing to let you know, look, you scored in that high growth area. I'm happy to keep you in that. Would you like me just to keep that going as it is for the moment, update the advice of what we have, and then we revisit it in six months' time?\n\nDoes that work for you, Heath? Yep. Beautiful. Yeah. Absolutely.\n\nAbsolutely. The only other thing to let you know is in that email, you've got your ongoing service agreement as well. You are on 1.65% at the moment with our new fee structure. The more your balance increases, so once you get to that $200,000 mark, you'll actually drop into the next tier. And we work at our fee as a dollar figure now so that it's a set fee.\n\nYou know exactly how much you'll pay for the year. Okay? Yeah. Excellent. I'll get you to sign and return that back for me as at your earliest opportunity.\n\nI'll get stuck into the research. I just need to make sure one of my team can do a pre assessment with you one day, maybe next week. Is there a day someone can give you a call just to run through a quick pre assessment for my research for the advice? Yeah. Yes.\n\nNext Thursday, the twenty seventh? Yeah. I can book it in for 03:30 if you like. My colleague, Samantha, will give you a call. This one's through a free assessment questionnaire.\n\nIt just helps me to understand what kind of insurance terms might be offered and reassess the contracts for you prior to updating the advice. Is that okay? Fantastic. Look. I will let you go.\n\nI've taken up way too much of your time, but I really appreciate you this afternoon. If you can sign and return that email back for me, and I'll get stuck into the research and update the advice for you. Does that sound okay? My pleasure. Thank you for your time, Heath.\n\nI'm so sorry for the trouble. I hope everything is okay, and you have a lovely afternoon. My pleasure. Enjoy your day. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.72,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.05171159654855728},{"text":"Hey.","start":2.8799999,"end":3.12,"sentiment":"neutral","sentiment_score":0.066704660654068},{"text":"This is Dana again.","start":3.12,"end":4.0,"sentiment":"neutral","sentiment_score":0.10851328447461128},{"text":"Is now okay to give you a callback?","start":4.0,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.09325273614376783},{"text":"Yeah.","start":6.64,"end":7.04,"sentiment":"neutral","sentiment_score":0.009428992867469788}],"sentiment":"neutral","sentiment_score":0.08719468514124552,"num_words":15,"start":2.72,"end":7.04},{"sentences":[{"text":"That's, like no.","start":7.04,"end":8.16,"sentiment":"neutral","sentiment_score":-0.16283941765626272},{"text":"You're absolutely fine.","start":8.16,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.22553160786628723},{"text":"Is everything okay?","start":9.5199995,"end":10.74,"sentiment":"neutral","sentiment_score":0.2388675461212794},{"text":"Yeah.","start":14.08,"end":14.58,"sentiment":"neutral","sentiment_score":-0.05015723407268524},{"text":"Oh, I'm so sorry.","start":16.345,"end":17.645,"sentiment":"neutral","sentiment_score":-0.1365259625017643}],"sentiment":"neutral","sentiment_score":0.022029866065297807,"num_words":14,"start":7.04,"end":17.645},{"sentences":[{"text":"Yeah.","start":20.105,"end":20.505,"sentiment":"neutral","sentiment_score":-0.001887887716293335},{"text":"Okay.","start":20.505,"end":20.985,"sentiment":"neutral","sentiment_score":0.023603269830346107},{"text":"Understandable.","start":20.985,"end":21.485,"sentiment":"neutral","sentiment_score":0.06106840819120407},{"text":"No.","start":22.105,"end":22.505,"sentiment":"neutral","sentiment_score":-0.18686270713806152},{"text":"Honestly, did you wanna finish your annual review now, or did you want me to sort of push it back to another time where you've got a little bit more time ahead of you?","start":22.505,"end":30.15,"sentiment":"neutral","sentiment_score":-0.11672128632883816}],"sentiment":"neutral","sentiment_score":-0.10717375400035005,"num_words":38,"start":20.105,"end":30.15},{"sentences":[{"text":"It's okay?","start":30.31,"end":31.05,"sentiment":"neutral","sentiment_score":0.03001961763948202},{"text":"Yep.","start":31.189999,"end":31.689999,"sentiment":"neutral","sentiment_score":0.10274842381477356},{"text":"Beautiful.","start":32.39,"end":32.89,"sentiment":"positive","sentiment_score":0.5147997140884399},{"text":"I whilst I was on whilst you're making that call, I was able to kinda go back and have a look at your original application for insurances because, I mean, as I sort of looked at beforehand, I'd like to be able to maybe try to reduce the cost a little bit for you and sort of see where we are.","start":33.27,"end":48.935,"sentiment":"neutral","sentiment_score":0.13540220578185846},{"text":"Having a look at increasing or altering the nearest policy does make it a lot more expensive.","start":49.715,"end":54.375,"sentiment":"neutral","sentiment_score":-0.18362331083592245}],"sentiment":"neutral","sentiment_score":0.0709210444105471,"num_words":82,"start":30.31,"end":54.375},{"sentences":[{"text":"So I'd like to maybe go back and look at any other providers and sort of see what what other cover might be offered here.","start":54.434998,"end":61.175,"sentiment":"neutral","sentiment_score":0.004671172983944416},{"text":"The only thing I just wanted to double check was one of the things that does factor in is, obviously, your BMI.","start":61.38,"end":67.22,"sentiment":"neutral","sentiment_score":-0.07143815115771511},{"text":"There's nothing else in your application that really flags as being any major changes to your health at all.","start":67.22,"end":72.66,"sentiment":"neutral","sentiment_score":-0.24608225179345986},{"text":"Do you know what your height and weight is currently?","start":72.66,"end":75.16,"sentiment":"neutral","sentiment_score":-0.09488741755485534},{"text":"Or yep.","start":75.3,"end":85.045,"sentiment":"neutral","sentiment_score":-0.05649918504059315}],"sentiment":"neutral","sentiment_score":-0.09220891449457178,"num_words":78,"start":54.434998,"end":85.045},{"sentences":[{"text":"Yep.","start":94.56,"end":95.06,"sentiment":"neutral","sentiment_score":-0.020090164616703987},{"text":"Okay.","start":98.24,"end":98.74,"sentiment":"neutral","sentiment_score":0.1425972431898117},{"text":"Beautiful.","start":98.96,"end":99.46,"sentiment":"neutral","sentiment_score":-0.03949425742030144},{"text":"So one of the things we did had noted in your original application was your weight then was about a hundred and eighty two, and we had you at about a hundred and eighty three centimeters there.","start":99.67999,"end":108.345,"sentiment":"neutral","sentiment_score":0.006529887043241714},{"text":"So you're being at hundred and two when we did the application originally.","start":108.345,"end":113.965004,"sentiment":"neutral","sentiment_score":0.014364064277078096}],"sentiment":"neutral","sentiment_score":0.009648141082165376,"num_words":53,"start":94.56,"end":113.965004},{"sentences":[{"text":"Yeah.","start":114.505005,"end":114.985,"sentiment":"neutral","sentiment_score":0.21460619568824768},{"text":"So it has come down a bit since that was placed in force in 2020, which is a good aspect.","start":114.985,"end":120.32,"sentiment":"positive","sentiment_score":0.431553503125906},{"text":"It does mean that your BMI has reduced.","start":120.78,"end":123.12,"sentiment":"positive","sentiment_score":0.39707281067967415},{"text":"So I'd like to go back and just review.","start":123.66,"end":125.76,"sentiment":"neutral","sentiment_score":0.1290132701396942},{"text":"Have you lost a large sum of that weight over the past twelve months, or has it been sort of a longer term drop of weight?","start":126.14,"end":133.355,"sentiment":"neutral","sentiment_score":0.034406471997499466}],"sentiment":"neutral","sentiment_score":0.21996791323181242,"num_words":64,"start":114.505005,"end":133.355},{"sentences":[{"text":"Yeah.","start":139.015,"end":139.515,"sentiment":"neutral","sentiment_score":0.003917263355106115},{"text":"Yeah.","start":139.975,"end":140.475,"sentiment":"neutral","sentiment_score":0.0002758139744400978},{"text":"Yep.","start":153.43001,"end":153.93001,"sentiment":"neutral","sentiment_score":0.06153341755270958},{"text":"Perfect.","start":154.31001,"end":154.81001,"sentiment":"neutral","sentiment_score":0.3162840008735657},{"text":"No.","start":155.55501,"end":155.715,"sentiment":"neutral","sentiment_score":0.15569758415222168}],"sentiment":"neutral","sentiment_score":0.10754161598160863,"num_words":5,"start":139.015,"end":155.715},{"sentences":[{"text":"That's excellent.","start":155.715,"end":156.695,"sentiment":"positive","sentiment_score":0.4054711163043976},{"text":"Okay.","start":158.915,"end":159.415,"sentiment":"neutral","sentiment_score":0.04692922532558441},{"text":"Look.","start":160.275,"end":160.755,"sentiment":"neutral","sentiment_score":0.011361530050635338},{"text":"She's yeah.","start":160.755,"end":162.035,"sentiment":"neutral","sentiment_score":0.06673398613929749},{"text":"She's looking after you.","start":162.035,"end":163.075,"sentiment":"neutral","sentiment_score":0.07809798046946526}],"sentiment":"neutral","sentiment_score":0.1315092882141471,"num_words":10,"start":155.715,"end":163.075},{"sentences":[{"text":"She wants you around a bit longer.","start":163.075,"end":164.855,"sentiment":"neutral","sentiment_score":0.016615103664142743},{"text":"No.","start":166.435,"end":166.755,"sentiment":"neutral","sentiment_score":0.13488638401031494},{"text":"That's excellent.","start":166.755,"end":167.395,"sentiment":"positive","sentiment_score":0.36324380338191986},{"text":"Well, I'll go back and have a bit of a look.","start":167.395,"end":169.155,"sentiment":"neutral","sentiment_score":0.09868898039514368},{"text":"When it comes to insurances, do you feel like the level of cover you have with that life and TPD is appropriate?","start":169.155,"end":175.68,"sentiment":"neutral","sentiment_score":0.02861501014029438}],"sentiment":"neutral","sentiment_score":0.06262299357805141,"num_words":43,"start":163.075,"end":175.68},{"sentences":[{"text":"Did you wanna sort of keep that $500,000 mark of life and TPD, or is there a certain amount that yeah.","start":175.68,"end":183.12,"sentiment":"neutral","sentiment_score":0.030243014739382835},{"text":"What is there a yeah.","start":183.12,"end":185.165,"sentiment":"neutral","sentiment_score":0.015353013947606086},{"text":"Is there a certain amount that you'd want me to look at as a goal amount, or is it a certain aspect?","start":185.165,"end":190.845,"sentiment":"neutral","sentiment_score":0.04083251275799491},{"text":"Did you want me to yeah.","start":190.845,"end":193.585,"sentiment":"neutral","sentiment_score":0.018094855671127636},{"text":"The the other thing you can look at the other thing you can sorta look at if it helps you is we can look at maybe paying off the mortgage.","start":193.645,"end":200.49,"sentiment":"neutral","sentiment_score":0.05128024558847149}],"sentiment":"neutral","sentiment_score":0.03877571620978415,"num_words":84,"start":175.68,"end":200.49},{"sentences":[{"text":"So you sorta set a a 485,000 for the mortgage, but then how many years worth of replacement income would you wanna factor into that?","start":200.49,"end":209.23001,"sentiment":"neutral","sentiment_score":0.0322416852414608},{"text":"Yeah.","start":213.615,"end":213.935,"sentiment":"neutral","sentiment_score":0.06734258681535721},{"text":"You you're right.","start":213.935,"end":215.13501,"sentiment":"neutral","sentiment_score":0.18515731394290924},{"text":"So if we maybe looked at the level of cover for life, and we say paid off the mortgage, that's 485,000 there.","start":215.13501,"end":222.835,"sentiment":"neutral","sentiment_score":0.09421886165033687},{"text":"But then we also looked at maybe some years worth of income replacement.","start":223.455,"end":227.53,"sentiment":"neutral","sentiment_score":0.0814165765276322}],"sentiment":"neutral","sentiment_score":0.07125136110698804,"num_words":64,"start":200.49,"end":227.53},{"sentences":[{"text":"Would you maybe wanna replace your income based on one year, five years, ten years?","start":227.59,"end":231.98999,"sentiment":"neutral","sentiment_score":0.08604270716508229},{"text":"What what's important to you?","start":231.98999,"end":233.51,"sentiment":"neutral","sentiment_score":0.14291902482509614},{"text":"What would you want as a goal for your life cover?","start":233.51,"end":236.17,"sentiment":"neutral","sentiment_score":0.22337192026051608},{"text":"Yours.","start":241.075,"end":241.575,"sentiment":"neutral","sentiment_score":0.03672058880329132},{"text":"It will it's it's a replacement of your income.","start":242.515,"end":245.175,"sentiment":"neutral","sentiment_score":0.012313429059253799}],"sentiment":"neutral","sentiment_score":0.11243581231229188,"num_words":41,"start":227.59,"end":245.175},{"sentences":[{"text":"Yeah.","start":245.235,"end":245.55501,"sentiment":"neutral","sentiment_score":0.17767298221588135},{"text":"It's kinda right to replace your income in the event that something happens to you.","start":245.55501,"end":250.05501,"sentiment":"neutral","sentiment_score":0.2130673180023829},{"text":"Yeah.","start":250.115,"end":250.615,"sentiment":"neutral","sentiment_score":0.07072332501411438},{"text":"Five years?","start":252.595,"end":253.315,"sentiment":"neutral","sentiment_score":0.05742515251040459},{"text":"Yeah.","start":253.315,"end":253.815,"sentiment":"neutral","sentiment_score":0.24656309187412265}],"sentiment":"neutral","sentiment_score":0.19029097370803355,"num_words":20,"start":245.235,"end":253.815},{"sentences":[{"text":"Perfect.","start":253.875,"end":254.375,"sentiment":"positive","sentiment_score":0.46701157093048096},{"text":"And would you like me to base that on, say, 200,000 of income or a 186,000 of income or a 100,000 of income?","start":255.06,"end":262.1,"sentiment":"neutral","sentiment_score":0.12102097532023555},{"text":"What kind of income would you want me to base that off?","start":262.1,"end":265.48,"sentiment":"neutral","sentiment_score":-0.009276798615852991},{"text":"Yeah.","start":273.075,"end":273.575,"sentiment":"neutral","sentiment_score":-0.08757970482110977},{"text":"Yep.","start":273.635,"end":274.035,"sentiment":"neutral","sentiment_score":-0.16086894273757937}],"sentiment":"neutral","sentiment_score":0.0760716782196572,"num_words":38,"start":253.875,"end":274.035},{"sentences":[{"text":"That's okay.","start":274.035,"end":274.855,"sentiment":"neutral","sentiment_score":-0.08532572537660599},{"text":"The 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fifty?","start":301.275,"end":302.255,"sentiment":"neutral","sentiment_score":0.024990770344932873},{"text":"Yeah.","start":302.315,"end":302.555,"sentiment":"neutral","sentiment_score":0.08899153023958206},{"text":"Absolutely.","start":302.555,"end":303.055,"sentiment":"neutral","sentiment_score":0.2902969717979431}],"sentiment":"neutral","sentiment_score":0.08728083036839962,"num_words":7,"start":295.035,"end":303.055},{"sentences":[{"text":"So I'll look at replacing the so the cost of reducing the mortgage to zero, so 485,000, and then five years worth of income replacement based on an income of a 150,000 that would be suited?","start":303.35498,"end":316.05002,"sentiment":"neutral","sentiment_score":0.13094987327025998},{"text":"Yeah.","start":317.79,"end":318.19,"sentiment":"neutral","sentiment_score":0.0841330736875534},{"text":"The other thing to sort of think of is at the moment, you've got the mortgage cost in place there.","start":318.19,"end":322.43,"sentiment":"neutral","sentiment_score":-0.02383565604686737},{"text":"But if you as sad as this is, and I'm so sorry, but if you were to then pass away and the life insurance paid off the mortgage, that might be 3 or $400 a week that you're currently putting on the mortgage that they wouldn't have to do.","start":322.43,"end":335.975,"sentiment":"neutral","sentiment_score":-0.1444382483557779},{"text":"So that would correct.","start":335.975,"end":338.23502,"sentiment":"neutral","sentiment_score":-0.016809919849038124}],"sentiment":"neutral","sentiment_score":-0.02566453143954277,"num_words":110,"start":303.35498,"end":338.23502},{"sentences":[{"text":"Yep.","start":346.86,"end":347.36,"sentiment":"neutral","sentiment_score":0.07430097460746765},{"text":"Yep.","start":347.5,"end":348.0,"sentiment":"neutral","sentiment_score":0.07268625497817993},{"text":"Yep.","start":350.78,"end":351.28,"sentiment":"neutral","sentiment_score":0.03206302970647812},{"text":"Absolutely.","start":351.58,"end":352.08,"sentiment":"positive","sentiment_score":0.43496882915496826},{"text":"Perfect.","start":352.78,"end":353.28,"sentiment":"positive","sentiment_score":0.5705697536468506}],"sentiment":"neutral","sentiment_score":0.23691776841878892,"num_words":5,"start":346.86,"end":353.28},{"sentences":[{"text":"Yeah.","start":353.58,"end":353.97998,"sentiment":"neutral","sentiment_score":0.2486032992601395},{"text":"So based on a 150 k for income replacement and then reducing the mortgage, that would be okay to look at goal wise for your life cover?","start":353.97998,"end":361.815,"sentiment":"neutral","sentiment_score":0.16192413645761985},{"text":"Yeah.","start":364.595,"end":364.995,"sentiment":"neutral","sentiment_score":0.09294028580188753},{"text":"Absolutely.","start":364.995,"end":365.495,"sentiment":"neutral","sentiment_score":0.19275763630867004},{"text":"Beautiful.","start":365.79498,"end":366.29498,"sentiment":"positive","sentiment_score":0.3690117597579956}],"sentiment":"neutral","sentiment_score":0.17016982791885252,"num_words":31,"start":353.58,"end":366.29498},{"sentences":[{"text":"I'll come back with the advice and Sure.","start":366.355,"end":368.375,"sentiment":"neutral","sentiment_score":0.048241657204926014},{"text":"Mhmm.","start":374.19,"end":374.69,"sentiment":"neutral","sentiment_score":-0.07855352014303207},{"text":"So that's that's, yeah, that's a really good question, and that's the next thing we look at, and that is total permanent disability.","start":375.47,"end":382.28998,"sentiment":"neutral","sentiment_score":-0.063932782848892},{"text":"So that's if you could never able to get back to work again.","start":383.225,"end":386.445,"sentiment":"neutral","sentiment_score":-0.10579111570349106},{"text":"Your current sum insured for TPD is 593,000.","start":386.905,"end":391.245,"sentiment":"neutral","sentiment_score":-0.021417730720713735}],"sentiment":"neutral","sentiment_score":-0.05112642675357045,"num_words":53,"start":366.355,"end":391.245},{"sentences":[{"text":"You also can release your super benefit with a 147 on top of that.","start":392.345,"end":397.545,"sentiment":"neutral","sentiment_score":0.06188522332480976},{"text":"So you can just realistically be covered for the same amount as your life cover.","start":397.545,"end":402.05002,"sentiment":"neutral","sentiment_score":0.13100965917110444},{"text":"The thing that I like to point out is that what most people don't realize is that if you are TBD, if you go through TBD and you're under the age of 60, if you then draw all that money out, you actually pay tax on that.","start":402.05002,"end":415.85498,"sentiment":"neutral","sentiment_score":-0.0937781572500442},{"text":"The tax can be up to 22%.","start":415.91498,"end":418.335,"sentiment":"neutral","sentiment_score":-0.09526690202099937},{"text":"If we yeah.","start":418.79498,"end":420.175,"sentiment":"neutral","sentiment_score":-0.16022362311681113}],"sentiment":"neutral","sentiment_score":-0.031669471629483754,"num_words":86,"start":392.345,"end":420.175},{"sentences":[{"text":"I know.","start":420.315,"end":420.955,"sentiment":"neutral","sentiment_score":-0.14698050916194916},{"text":"If if I was to look at factoring that in at the highest tax rate, now it is up to 22%.","start":420.955,"end":427.09,"sentiment":"neutral","sentiment_score":-0.18950111809230985},{"text":"So, essentially, it it honestly is.","start":427.09,"end":430.77,"sentiment":"negative","sentiment_score":-0.5464551548163096},{"text":"I think it's horrible.","start":430.77,"end":431.57,"sentiment":"negative","sentiment_score":-0.8359923660755157},{"text":"I think the last thing anyone should be doing is taxing a disability payment if you can't go back to work.","start":431.57,"end":436.77,"sentiment":"negative","sentiment_score":-0.5191195025330498}],"sentiment":"negative","sentiment_score":-0.4036610082343773,"num_words":54,"start":420.315,"end":436.77},{"sentences":[{"text":"That's horrendous.","start":436.77,"end":437.59,"sentiment":"negative","sentiment_score":-0.39429427683353424},{"text":"But I do have to kinda factor it into the equation to sort of show you what the outcome might look like.","start":439.635,"end":445.555,"sentiment":"neutral","sentiment_score":-0.10990812832658942},{"text":"So if we would've factor that in, if you were to take the 740,000 out, the tax estimated at the highest tax rate at 22% is a 162,964.","start":445.555,"end":457.67,"sentiment":"neutral","sentiment_score":-0.17187715494739159},{"text":"So you could see it yeah.","start":457.89,"end":460.05,"sentiment":"neutral","sentiment_score":-0.1879337802529335},{"text":"So you could realistically lose a 162,000 out of that.","start":460.05,"end":464.595,"sentiment":"negative","sentiment_score":-0.41380201280117035}],"sentiment":"neutral","sentiment_score":-0.19536397830747507,"num_words":68,"start":436.77,"end":464.595},{"sentences":[{"text":"It is important to note that if you do if you ever were to claim on TBD, having us as your advisers, we will help you with the claim, but then we will also provide advice on how to minimize the tax as much as possible, how to maybe keep as much of that invested and draw an income on a regular basis to keep it working as hard as possible.","start":465.075,"end":484.23,"sentiment":"neutral","sentiment_score":0.12653522845357656},{"text":"But when I am talking goal wise, I do like to make sure that I'm factoring that information in because I have seen a lot of people go through a claim and go, no.","start":484.93,"end":493.955,"sentiment":"neutral","sentiment_score":-0.021110113929299748},{"text":"I want the money, but then call back and go, hey.","start":493.955,"end":496.035,"sentiment":"neutral","sentiment_score":-0.22656370293010364},{"text":"But I've been taxed on this.","start":496.035,"end":497.475,"sentiment":"neutral","sentiment_score":-0.29395075390736264},{"text":"Like, what the hell?","start":497.475,"end":498.535,"sentiment":"neutral","sentiment_score":-0.3040188029408455}],"sentiment":"neutral","sentiment_score":0.02217680062832577,"num_words":126,"start":465.075,"end":498.535},{"sentences":[{"text":"So yeah.","start":498.595,"end":501.175,"sentiment":"neutral","sentiment_score":-0.06382933259010315},{"text":"Did you want me to sort of if you were unable to go back to work again on a a full time basis like TDD, what sort of happens to the business at this point?","start":501.875,"end":511.26,"sentiment":"neutral","sentiment_score":-0.11902757393462317},{"text":"Are you able to sell everything off to kinda give you some sort of lump sum buffer?","start":511.26,"end":516.48,"sentiment":"neutral","sentiment_score":-0.09234740563175257},{"text":"Mhmm.","start":534.005,"end":534.165,"sentiment":"neutral","sentiment_score":-0.05976646766066551},{"text":"Yep.","start":534.165,"end":534.665,"sentiment":"neutral","sentiment_score":-0.026101429015398026}],"sentiment":"neutral","sentiment_score":-0.10623924188049776,"num_words":56,"start":498.595,"end":534.665},{"sentences":[{"text":"Yep.","start":537.68,"end":538.18,"sentiment":"neutral","sentiment_score":-0.09860701858997344},{"text":"Yep.","start":540.16003,"end":540.66003,"sentiment":"neutral","sentiment_score":-0.07706140726804733},{"text":"No.","start":542.0,"end":542.32,"sentiment":"neutral","sentiment_score":-0.2017289400100708},{"text":"That's okay.","start":542.32,"end":543.22003,"sentiment":"neutral","sentiment_score":-0.08217675238847733},{"text":"So thinking about TBD wise, if you were to never able not be able to go back to work again on a permanent capacity, Being that you are 44 and, realistically, whilst we can access your super, you have a lot of living to, you know, to have twenty years plus.","start":543.44,"end":561.535,"sentiment":"neutral","sentiment_score":0.04965407280799221}],"sentiment":"neutral","sentiment_score":0.03554655076004565,"num_words":56,"start":537.68,"end":561.535},{"sentences":[{"text":"And then you've got young kids as well and school fees and things like that.","start":562.235,"end":565.435,"sentiment":"neutral","sentiment_score":0.061987507219115896},{"text":"How many years of income replacement would you maybe need to factor into the disability support?","start":565.435,"end":571.04,"sentiment":"neutral","sentiment_score":0.011377366841770709},{"text":"Twenty years?","start":576.46,"end":577.18,"sentiment":"neutral","sentiment_score":-0.055892571806907654},{"text":"We can look at that for you.","start":577.18,"end":578.62,"sentiment":"neutral","sentiment_score":0.03757646520222936},{"text":"It are we basing that on, say, a $150,000 of income or your current income or what's yeah.","start":578.62,"end":589.465,"sentiment":"neutral","sentiment_score":0.0008445335034694937}],"sentiment":"neutral","sentiment_score":0.022039692993436395,"num_words":58,"start":562.235,"end":589.465},{"sentences":[{"text":"Which could be a very expensive policy.","start":589.465,"end":591.885,"sentiment":"negative","sentiment_score":-0.591472932270595},{"text":"Yeah.","start":592.185,"end":592.685,"sentiment":"neutral","sentiment_score":-0.18681474030017853},{"text":"The other thing you could maybe look at is if we maybe looked at reducing, say, you paid out the 485,000 of the mortgage, which obviously leaves a little bit of extra income.","start":595.62,"end":606.84,"sentiment":"neutral","sentiment_score":-0.14454543556679378},{"text":"And then maybe would you need to live on less on a yearly basis?","start":607.23505,"end":610.835,"sentiment":"neutral","sentiment_score":-0.08538442344537803},{"text":"Would you be comfortable with maybe a 100,000 for the next five or ten years?","start":610.835,"end":614.755,"sentiment":"neutral","sentiment_score":-0.039007221907377244}],"sentiment":"neutral","sentiment_score":-0.1553944985249213,"num_words":70,"start":589.465,"end":614.755},{"sentences":[{"text":"Or do you think that not having the mortgage you could realistically if you weren't working.","start":614.755,"end":619.335,"sentiment":"neutral","sentiment_score":-0.14911952102556825},{"text":"Yeah.","start":620.91003,"end":621.41003,"sentiment":"neutral","sentiment_score":-0.05474560707807541},{"text":"No.","start":627.15,"end":627.65,"sentiment":"neutral","sentiment_score":-0.24599364399909973},{"text":"The TPD pays or pays that sorry.","start":627.95,"end":631.65,"sentiment":"neutral","sentiment_score":-0.1333410149174077},{"text":"The life cover?","start":633.725,"end":634.94495,"sentiment":"neutral","sentiment_score":-0.08350317180156708}],"sentiment":"neutral","sentiment_score":-0.13823386454688652,"num_words":28,"start":614.755,"end":634.94495},{"sentences":[{"text":"Mhmm.","start":635.565,"end":636.065,"sentiment":"neutral","sentiment_score":-0.06680523604154587},{"text":"Yep.","start":640.76495,"end":641.26495,"sentiment":"neutral","sentiment_score":-0.004218327812850475},{"text":"The death 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Yep.","start":646.76996,"end":653.26996,"sentiment":"neutral","sentiment_score":-0.017535841092467308},{"text":"Yeah.","start":654.20996,"end":654.44995,"sentiment":"neutral","sentiment_score":0.05467972904443741}],"sentiment":"neutral","sentiment_score":0.04707398638129234,"num_words":6,"start":645.165,"end":654.44995},{"sentences":[{"text":"That's okay.","start":654.44995,"end":655.08997,"sentiment":"neutral","sentiment_score":0.01304733008146286},{"text":"So TPD pays that either a lump sum benefit or an income stream if you're permanently disabled, so not able to go back to work again ever.","start":655.08997,"end":663.55505,"sentiment":"neutral","sentiment_score":0.07346650130218929},{"text":"You can also have your super released under that circumstances, but, again, it goes to there are taxation consequences if you're under the age of sixty.","start":664.09503,"end":674.11505,"sentiment":"neutral","sentiment_score":-0.01069483938268744},{"text":"Yeah.","start":675.22003,"end":675.54004,"sentiment":"neutral","sentiment_score":0.09293247759342194},{"text":"If you're over 60, it's completely tax free.","start":675.54004,"end":678.18005,"sentiment":"neutral","sentiment_score":0.12760912161320448}],"sentiment":"neutral","sentiment_score":0.04445984096673783,"num_words":64,"start":654.44995,"end":678.18005},{"sentences":[{"text":"So, like, if you're gonna be disabled, we'll try and do it later on this pack.","start":678.18005,"end":682.04004,"sentiment":"neutral","sentiment_score":0.08420991129241884},{"text":"But, yeah, it's just about trying to find a level cover that you're comfortable with paying for whilst knowing that that can affect your retirement figure.","start":683.86005,"end":692.21497,"sentiment":"neutral","sentiment_score":0.06551001091989186},{"text":"Did you want me to look at maybe a million dollars or 1.5, or did you just want to get what would you like to see?","start":692.27496,"end":700.96,"sentiment":"neutral","sentiment_score":0.005379795526655821},{"text":"Do you think 1,000,000 even?","start":700.96,"end":702.64,"sentiment":"neutral","sentiment_score":-0.001975790411233902},{"text":"Or yeah.","start":702.64,"end":707.78,"sentiment":"neutral","sentiment_score":0.007727775722742081}],"sentiment":"neutral","sentiment_score":0.04261426863571008,"num_words":75,"start":678.18005,"end":707.78},{"sentences":[{"text":"Yeah.","start":709.28,"end":709.60004,"sentiment":"neutral","sentiment_score":0.007525417022407055},{"text":"That's that's okay.","start":709.60004,"end":711.60004,"sentiment":"neutral","sentiment_score":0.026604659234484036},{"text":"So if if I look at that, just to kinda give you an idea, a million dollars of cover just with your TBD minus the mortgage of 485,000 leaves about 515,000.","start":711.60004,"end":725.35504,"sentiment":"neutral","sentiment_score":0.0323533809353267},{"text":"This is not counting in tax side of things, But then dividing that by a $100,000 a year or even $50,000 a year if you're not working and not having as high an expenditure could last for about ten years of income replacement.","start":725.35504,"end":739.93,"sentiment":"neutral","sentiment_score":-0.035232475157393965},{"text":"Keeping in mind that the more you reduce the mortgage, the more of that insurance provides a greater benefit long term.","start":741.705,"end":747.54504,"sentiment":"neutral","sentiment_score":0.07974736206233501}],"sentiment":"neutral","sentiment_score":0.012626185608707895,"num_words":99,"start":709.28,"end":747.54504},{"sentences":[{"text":"Does that feel appropriate goals wise, or did you wanna look at a bit more cover?","start":747.54504,"end":752.205,"sentiment":"neutral","sentiment_score":0.0375868616392836},{"text":"Yeah.","start":763.64,"end":764.12006,"sentiment":"neutral","sentiment_score":0.187219500541687},{"text":"I'll look at a million dollars for you.","start":764.12006,"end":765.855,"sentiment":"neutral","sentiment_score":0.1428595371544361},{"text":"Yeah.","start":767.45496,"end":767.855,"sentiment":"neutral","sentiment_score":0.3054894804954529},{"text":"Beautiful.","start":767.855,"end":768.355,"sentiment":"positive","sentiment_score":0.5320219993591309}],"sentiment":"neutral","sentiment_score":0.10255544680964064,"num_words":27,"start":747.54504,"end":768.355},{"sentences":[{"text":"You can Yeah.","start":768.89496,"end":770.095,"sentiment":"neutral","sentiment_score":0.15384228030840555},{"text":"Of course.","start":770.095,"end":770.83496,"sentiment":"neutral","sentiment_score":0.014009338803589344},{"text":"Mhmm.","start":779.375,"end":779.875,"sentiment":"neutral","sentiment_score":-0.019458405673503876},{"text":"So not under TBD, but you do have income protection.","start":781.77997,"end":785.64,"sentiment":"neutral","sentiment_score":0.006491930689662695},{"text":"Yeah.","start":786.26,"end":786.5,"sentiment":"neutral","sentiment_score":0.0905127003788948}],"sentiment":"neutral","sentiment_score":0.03679524236084784,"num_words":17,"start":768.89496,"end":786.5},{"sentences":[{"text":"And you do have income protection.","start":786.5,"end":788.26,"sentiment":"neutral","sentiment_score":0.1243134302397569},{"text":"So your income protection monthly benefit currently provides a a monthly pretax benefit of 5,091.","start":788.26,"end":797.32,"sentiment":"neutral","sentiment_score":0.12970138639211654},{"text":"With that monthly benefit, you're covered for at the moment that was based on your income back when we initially went through the application side of things, and it does increase a little bit over time there.","start":798.865,"end":808.965,"sentiment":"neutral","sentiment_score":0.061869574156967366},{"text":"But would that you know, it's pretax.","start":809.34503,"end":811.525,"sentiment":"neutral","sentiment_score":0.0958208537527493},{"text":"You'd probably end up with about, say, roughly 4,600 on a monthly basis.","start":811.585,"end":816.14,"sentiment":"neutral","sentiment_score":0.07642121527057427}],"sentiment":"neutral","sentiment_score":0.0851897102040358,"num_words":78,"start":786.5,"end":816.14},{"sentences":[{"text":"Does that plus your wife's income cover your regular regular expenditure?","start":816.68,"end":820.54,"sentiment":"neutral","sentiment_score":0.029237150129946796},{"text":"Would you need to be covered for a bit more income protection wise?","start":820.84,"end":824.06,"sentiment":"neutral","sentiment_score":-0.026049940202098627},{"text":"Mhmm.","start":830.23505,"end":830.73505,"sentiment":"neutral","sentiment_score":-0.049270421266555786},{"text":"I mean, if I if I base it on, say, you've mentioned income of about 200 thousand To be covered under income protection, you can be covered for up to 70% of your pre disability income.","start":832.395,"end":847.17,"sentiment":"neutral","sentiment_score":0.011268959406556355},{"text":"If I look at, say, 200,000, 70%, it means you would need a monthly benefit of around about $11,006.06 6.","start":847.95,"end":859.985,"sentiment":"neutral","sentiment_score":0.005430065398104489}],"sentiment":"neutral","sentiment_score":0.005530529063378955,"num_words":81,"start":816.68,"end":859.985},{"sentences":[{"text":"But that obviously income protection is the biggest part of your insurance cost.","start":860.205,"end":864.24,"sentiment":"neutral","sentiment_score":-0.03443258957794079},{"text":"So you could look at, you know, the full 70% of your income or 60% of your income, or if you just wanna kinda cover your monthly expenditure and maybe have a certain amount of cover, How much do you feel like you should be covered for?","start":864.32,"end":880.445,"sentiment":"neutral","sentiment_score":0.0036906814004512545},{"text":"Yep.","start":897.33,"end":897.83,"sentiment":"neutral","sentiment_score":0.018682679161429405},{"text":"7,000 per month.","start":897.97003,"end":899.49005,"sentiment":"neutral","sentiment_score":0.01561001098404328},{"text":"So, like, a net 7,000 a month for after taxes.","start":899.49005,"end":903.11005,"sentiment":"neutral","sentiment_score":0.008956851903349161}],"sentiment":"neutral","sentiment_score":-0.0016091946965536557,"num_words":74,"start":860.205,"end":903.11005},{"sentences":[{"text":"Yep.","start":903.49005,"end":903.99005,"sentiment":"neutral","sentiment_score":0.04152105748653412},{"text":"Yeah.","start":904.85004,"end":905.235,"sentiment":"neutral","sentiment_score":0.052216269075870514},{"text":"Are you comfortable with me just maybe looking at that 7,000 net income protection benefit amount, or did you wanna maybe look at trying to cover yourself for the higher amount?","start":905.795,"end":916.375,"sentiment":"neutral","sentiment_score":-0.008950431921309041},{"text":"Or did you want me to go back and look at both and see what the costing is?","start":916.435,"end":920.1,"sentiment":"neutral","sentiment_score":-0.04648130159411165},{"text":"7?","start":920.42,"end":920.92,"sentiment":"neutral","sentiment_score":-0.006060490384697914}],"sentiment":"neutral","sentiment_score":-0.019739422732247755,"num_words":52,"start":903.49005,"end":920.92},{"sentences":[{"text":"Yep.","start":921.06,"end":921.38,"sentiment":"neutral","sentiment_score":0.0845535546541214},{"text":"Beautiful.","start":921.38,"end":921.88,"sentiment":"neutral","sentiment_score":0.312893807888031},{"text":"Yep.","start":923.38,"end":923.77997,"sentiment":"neutral","sentiment_score":0.13289213180541992},{"text":"So I'll look at a net income protection monthly benefit of 7,000 for you to cover expenditure.","start":923.77997,"end":929.8,"sentiment":"neutral","sentiment_score":0.01574510818018633},{"text":"Yep.","start":930.33997,"end":930.83997,"sentiment":"neutral","sentiment_score":0.05895308777689934}],"sentiment":"neutral","sentiment_score":0.04080759148512568,"num_words":21,"start":921.06,"end":930.83997},{"sentences":[{"text":"Yep.","start":932.25995,"end":932.57996,"sentiment":"neutral","sentiment_score":0.10957561433315276},{"text":"Beautiful.","start":932.57996,"end":933.07996,"sentiment":"positive","sentiment_score":0.6176257133483887},{"text":"No.","start":944.865,"end":945.10504,"sentiment":"neutral","sentiment_score":-0.07366510480642319},{"text":"No.","start":945.10504,"end":945.34503,"sentiment":"neutral","sentiment_score":-0.07808487117290497},{"text":"You're fine.","start":945.34503,"end":945.985,"sentiment":"neutral","sentiment_score":0.010061688721179962}],"sentiment":"neutral","sentiment_score":0.09926245485742886,"num_words":6,"start":932.25995,"end":945.985},{"sentences":[{"text":"Not a problem at all.","start":945.985,"end":947.28,"sentiment":"neutral","sentiment_score":-0.03319084495306015},{"text":"Oh, bless our little hearts.","start":949.04004,"end":950.5,"sentiment":"neutral","sentiment_score":0.2749797850847244},{"text":"With your income protection, you've also got a couple of other things to think about.","start":952.64,"end":956.16003,"sentiment":"neutral","sentiment_score":0.0804453340669473},{"text":"One of those is a a waiting period for how long you would have to be off work and covering your own expenditure prior to you making a claim.","start":956.16003,"end":963.725,"sentiment":"neutral","sentiment_score":0.0016047248038752325},{"text":"You currently have thirty days.","start":963.785,"end":965.545,"sentiment":"neutral","sentiment_score":-0.02514965943992138}],"sentiment":"neutral","sentiment_score":0.039600227691106875,"num_words":59,"start":945.985,"end":965.545},{"sentences":[{"text":"If you were to extend that out and wait longer, you can make the policy more cheaper, but it's also you know, do you have enough to fall back on?","start":965.545,"end":974.185,"sentiment":"neutral","sentiment_score":0.0017230172952016195},{"text":"What happens if you're off for thirty days?","start":974.185,"end":976.265,"sentiment":"neutral","sentiment_score":-0.050347203854471445},{"text":"Yeah.","start":976.265,"end":976.765,"sentiment":"neutral","sentiment_score":-0.01212863065302372},{"text":"Do you think thirty days is appropriate, or did you wanna look at something longer?","start":976.85004,"end":980.73,"sentiment":"neutral","sentiment_score":-0.021252466179430485},{"text":"Or yep.","start":980.73,"end":983.09,"sentiment":"neutral","sentiment_score":0.03498189803212881}],"sentiment":"neutral","sentiment_score":-0.010929266772499042,"num_words":56,"start":965.545,"end":983.09},{"sentences":[{"text":"Beautiful.","start":983.09,"end":983.59,"sentiment":"positive","sentiment_score":0.3651899993419647},{"text":"And with the benefit period, that's how long you can be on an income protection claim for.","start":983.65,"end":987.97003,"sentiment":"neutral","sentiment_score":0.09156663014608271},{"text":"You currently have two years.","start":987.97003,"end":989.745,"sentiment":"neutral","sentiment_score":0.031313012540340426},{"text":"Benefit periods can be two years, five years, or up to age 65.","start":990.225,"end":994.005,"sentiment":"neutral","sentiment_score":0.03487823215814737},{"text":"Notably, the longer you have the benefit period for, the more the insurance is gonna cost, but the longer you can be on a claim for given the risk of something occurring, that would be okay.","start":994.065,"end":1006.39996,"sentiment":"neutral","sentiment_score":-0.011100988783356216}],"sentiment":"neutral","sentiment_score":0.029613461060863402,"num_words":72,"start":983.09,"end":1006.39996},{"sentences":[{"text":"Yep.","start":1006.39996,"end":1006.72,"sentiment":"neutral","sentiment_score":0.15843328833580017},{"text":"Beautiful.","start":1006.72,"end":1007.22,"sentiment":"positive","sentiment_score":0.3585522174835205},{"text":"Beautiful.","start":1008.16,"end":1008.66,"sentiment":"positive","sentiment_score":0.41957566142082214},{"text":"With the life and TPD cover, I can always try and make the cost cheaper, link the policies together.","start":1009.51996,"end":1015.6,"sentiment":"neutral","sentiment_score":0.23298822264922292},{"text":"So if I look at a million dollars of life cover as well as PPD and link the policies together, I can try to get, like, a multi policy discount and try to make the insurances cheaper for you.","start":1015.6,"end":1026.345,"sentiment":"neutral","sentiment_score":0.16827151370354188}],"sentiment":"neutral","sentiment_score":0.19550699068874608,"num_words":61,"start":1006.39996,"end":1026.345},{"sentences":[{"text":"Are you comfortable with that?","start":1026.345,"end":1027.7051,"sentiment":"neutral","sentiment_score":0.07231700047850609},{"text":"Yep.","start":1027.7051,"end":1028.2051,"sentiment":"neutral","sentiment_score":0.05520913004875183},{"text":"Yep.","start":1031.145,"end":1031.61,"sentiment":"neutral","sentiment_score":0.04433087259531021},{"text":"Yep.","start":1032.8099,"end":1033.3099,"sentiment":"neutral","sentiment_score":0.04520150274038315},{"text":"Absolutely.","start":1035.61,"end":1036.11,"sentiment":"neutral","sentiment_score":0.028673158958554268}],"sentiment":"neutral","sentiment_score":0.05944440741505888,"num_words":9,"start":1026.345,"end":1036.11},{"sentences":[{"text":"You see, this, yeah, this policy was put in place in 2020, so it has been in place for a while.","start":1038.8099,"end":1044.99,"sentiment":"neutral","sentiment_score":-0.034900832699523085},{"text":"And some of the older policies do get a lot more expensive.","start":1045.755,"end":1048.655,"sentiment":"neutral","sentiment_score":-0.20424235301713148},{"text":"Yeah.","start":1049.915,"end":1050.395,"sentiment":"neutral","sentiment_score":0.000275440514087677},{"text":"Correct.","start":1050.395,"end":1050.875,"sentiment":"neutral","sentiment_score":0.036099664866924286},{"text":"Yeah.","start":1050.875,"end":1051.375,"sentiment":"neutral","sentiment_score":0.016165010631084442}],"sentiment":"neutral","sentiment_score":-0.08698015574676295,"num_words":36,"start":1038.8099,"end":1051.375},{"sentences":[{"text":"So let's definitely let's definitely look at what we can do to make this cheaper.","start":1051.435,"end":1055.275,"sentiment":"neutral","sentiment_score":0.04049256344636281},{"text":"It was the first thing I saw when I looked at your annual review documents, and I went, yeah.","start":1055.275,"end":1059.62,"sentiment":"neutral","sentiment_score":-0.02748096724481959},{"text":"I think we need to try and do something with this to make your system work harder.","start":1059.62,"end":1063.3,"sentiment":"neutral","sentiment_score":-0.19913779462085052},{"text":"Absolutely.","start":1063.3,"end":1063.8,"sentiment":"neutral","sentiment_score":-0.19759339094161987},{"text":"Yeah.","start":1067.3,"end":1067.8,"sentiment":"neutral","sentiment_score":-0.1772731989622116}],"sentiment":"neutral","sentiment_score":-0.0693388495172532,"num_words":53,"start":1051.435,"end":1067.8},{"sentences":[{"text":"Yeah.","start":1068.98,"end":1069.48,"sentiment":"neutral","sentiment_score":-0.05069044232368469},{"text":"No.","start":1070.02,"end":1070.42,"sentiment":"neutral","sentiment_score":-0.11125022172927856},{"text":"We'll help you out.","start":1070.42,"end":1071.38,"sentiment":"neutral","sentiment_score":0.08154493104666471},{"text":"That's what you have us for, so let's let's make it worthwhile for you.","start":1071.38,"end":1075.375,"sentiment":"neutral","sentiment_score":0.27608182174818857},{"text":"Yeah.","start":1077.035,"end":1077.535,"sentiment":"neutral","sentiment_score":0.3001028299331665}],"sentiment":"neutral","sentiment_score":0.20616606640673818,"num_words":21,"start":1068.98,"end":1077.535},{"sentences":[{"text":"All good.","start":1077.595,"end":1078.075,"sentiment":"positive","sentiment_score":0.44392767548561096},{"text":"Now with the life and TBD, I can look at just looking for a million dollars of those covers and then you having your super benefit paid on top of that.","start":1078.075,"end":1087.14,"sentiment":"neutral","sentiment_score":0.09718075911364248},{"text":"Would you like it sort of looked that way, or would you like me to try and reduce the cost by, say, having a million dollars of life and TBD cover then subtracting your super balance away from that to have that included.","start":1087.38,"end":1101.035,"sentiment":"neutral","sentiment_score":0.03500719585044439},{"text":"Do you does that make sense?","start":1101.175,"end":1102.875,"sentiment":"neutral","sentiment_score":0.04166491888463497},{"text":"Yeah.","start":1104.6151,"end":1105.0951,"sentiment":"neutral","sentiment_score":0.014159083366394045}],"sentiment":"neutral","sentiment_score":0.06831225182816207,"num_words":83,"start":1077.595,"end":1105.0951},{"sentences":[{"text":"Did what would you sort of prefer?","start":1105.0951,"end":1106.935,"sentiment":"neutral","sentiment_score":-0.017031398468783925},{"text":"Would you like the million dollars excluding your super balance or including your super balance?","start":1106.935,"end":1112.395,"sentiment":"neutral","sentiment_score":-0.041528188188870746},{"text":"Including?","start":1113.6599,"end":1114.1599,"sentiment":"neutral","sentiment_score":-0.005762168671935797},{"text":"Yep.","start":1114.46,"end":1114.7799,"sentiment":"neutral","sentiment_score":0.008605648763477802},{"text":"So factor in super.","start":1114.7799,"end":1116.24,"sentiment":"neutral","sentiment_score":0.002742457203567028}],"sentiment":"neutral","sentiment_score":-0.02601176082888352,"num_words":28,"start":1105.0951,"end":1116.24},{"sentences":[{"text":"Yep.","start":1117.1799,"end":1117.6799,"sentiment":"neutral","sentiment_score":0.02492756210267544},{"text":"Yeah.","start":1119.5,"end":1119.8999,"sentiment":"neutral","sentiment_score":0.04588363319635391},{"text":"Absolutely.","start":1119.8999,"end":1120.3999,"sentiment":"neutral","sentiment_score":0.0657552182674408},{"text":"Leave that with me.","start":1120.62,"end":1121.4199,"sentiment":"neutral","sentiment_score":0.030327163636684418},{"text":"Now there are other types of insurances that you can hold.","start":1121.4199,"end":1124.38,"sentiment":"neutral","sentiment_score":-0.05090408230369741}],"sentiment":"neutral","sentiment_score":-0.016781657623747986,"num_words":18,"start":1117.1799,"end":1124.38},{"sentences":[{"text":"These are out of pocket.","start":1124.38,"end":1125.58,"sentiment":"neutral","sentiment_score":-0.11696777045726776},{"text":"There's things like trauma and child trauma.","start":1125.58,"end":1128.0,"sentiment":"neutral","sentiment_score":-0.047766520508698056},{"text":"Trauma pays out a lump sum tax free benefit if you, say, have a heart attack, a stroke, get diagnosed with cancer, Parkinson's, MS, and major traumatic conditions.","start":1128.535,"end":1138.715,"sentiment":"neutral","sentiment_score":-0.0032730772426085813},{"text":"And child trauma pays out a lump sum benefit if one of your children passed away or if they are diagnosed with a major condition as well.","start":1139.255,"end":1146.96,"sentiment":"neutral","sentiment_score":0.007843646220862865},{"text":"Did you wanna look at any additional insurances on top of what you have, or are you happy just with the three that we've kinda gone through?","start":1147.1799,"end":1154.08,"sentiment":"neutral","sentiment_score":0.02905749929723916}],"sentiment":"neutral","sentiment_score":-0.00015446520905862464,"num_words":94,"start":1124.38,"end":1154.08},{"sentences":[{"text":"Yep.","start":1155.74,"end":1156.005,"sentiment":"neutral","sentiment_score":0.21458952128887177},{"text":"That's absolutely fine.","start":1156.405,"end":1157.845,"sentiment":"positive","sentiment_score":0.35900817314783734},{"text":"I know I touch in a lot, and it can be quite complex.","start":1157.845,"end":1160.5651,"sentiment":"neutral","sentiment_score":0.018591569879880317},{"text":"Do you have any questions or anything that I haven't sorta touched on with the insurances that you might wanna have me talk about?","start":1160.5651,"end":1167.945,"sentiment":"neutral","sentiment_score":0.06798171593497197},{"text":"Yep.","start":1174.8201,"end":1175.3201,"sentiment":"neutral","sentiment_score":-0.04208507761359215}],"sentiment":"neutral","sentiment_score":0.07435191795229912,"num_words":42,"start":1155.74,"end":1175.3201},{"sentences":[{"text":"Yeah.","start":1181.705,"end":1182.105,"sentiment":"neutral","sentiment_score":0.01558778714388609},{"text":"And the correct answer is yes.","start":1182.105,"end":1183.705,"sentiment":"neutral","sentiment_score":0.030127295292913914},{"text":"You have the income protection benefit there whilst it is a bit low at the moment.","start":1183.705,"end":1187.545,"sentiment":"neutral","sentiment_score":0.004579475615173578},{"text":"You just got a thirty day waiting period.","start":1187.545,"end":1189.805,"sentiment":"neutral","sentiment_score":-0.011339935823343694},{"text":"What I would suggest is if anything was to happen to you and you are thinking you're gonna be off to that time frame, let us know straight away so we can help you with the claim.","start":1190.265,"end":1199.5499,"sentiment":"neutral","sentiment_score":0.019381300596570648}],"sentiment":"neutral","sentiment_score":0.01317664417986046,"num_words":68,"start":1181.705,"end":1199.5499},{"sentences":[{"text":"We can let the insurer know that you're off work.","start":1199.9299,"end":1202.49,"sentiment":"neutral","sentiment_score":0.055798207968473436},{"text":"That way, they can start the thirty day waiting period, get the claim documents ready.","start":1202.49,"end":1207.07,"sentiment":"neutral","sentiment_score":0.02740298646191756},{"text":"That way, once that thirty day hits, we can process the claim fairly quickly for you.","start":1207.235,"end":1211.555,"sentiment":"neutral","sentiment_score":0.163360305596143},{"text":"But you have us here to help you facilitate those things.","start":1211.555,"end":1214.615,"sentiment":"neutral","sentiment_score":0.11619295179843903},{"text":"Okay?","start":1214.675,"end":1215.175,"sentiment":"neutral","sentiment_score":0.07412758469581604}],"sentiment":"neutral","sentiment_score":0.0931139966156685,"num_words":53,"start":1199.9299,"end":1215.175},{"sentences":[{"text":"Yep.","start":1216.275,"end":1216.775,"sentiment":"neutral","sentiment_score":0.27377134561538696},{"text":"That's okay.","start":1216.915,"end":1217.795,"sentiment":"positive","sentiment_score":0.3473255932331085},{"text":"Fantastic.","start":1217.795,"end":1218.295,"sentiment":"positive","sentiment_score":0.5591001510620117},{"text":"Well, I've got some work to do there, which is great.","start":1218.435,"end":1220.79,"sentiment":"positive","sentiment_score":0.3662357872182673},{"text":"If no.","start":1221.99,"end":1222.55,"sentiment":"neutral","sentiment_score":-0.09764627739787102}],"sentiment":"neutral","sentiment_score":0.3153425757499302,"num_words":17,"start":1216.275,"end":1222.55},{"sentences":[{"text":"You're no.","start":1222.55,"end":1223.11,"sentiment":"neutral","sentiment_score":-0.12116044014692307},{"text":"I love it.","start":1223.11,"end":1223.75,"sentiment":"neutral","sentiment_score":0.11583318561315536},{"text":"Honestly, this is what you have us for.","start":1223.75,"end":1225.67,"sentiment":"neutral","sentiment_score":0.11584109906107187},{"text":"You you may as well use us.","start":1225.67,"end":1227.43,"sentiment":"neutral","sentiment_score":0.10567319180284228},{"text":"You pay for having an adviser, so use us to your full extent.","start":1227.43,"end":1231.29,"sentiment":"neutral","sentiment_score":0.06905860883685258}],"sentiment":"neutral","sentiment_score":0.08089035534949014,"num_words":33,"start":1222.55,"end":1231.29},{"sentences":[{"text":"Okay?","start":1231.3501,"end":1231.8501,"sentiment":"neutral","sentiment_score":0.09011214971542358},{"text":"If if if you're comfortable, I might also just look at your super as well.","start":1233.03,"end":1237.965,"sentiment":"neutral","sentiment_score":0.16396193007628124},{"text":"Since I'm looking at the insurances, I'll go back and review the super.","start":1237.965,"end":1241.805,"sentiment":"neutral","sentiment_score":0.14815029845787928},{"text":"I know we have this made a change on that, but I can review to see if there's a better portfolio, see what's working, and see how I can maximize all of your benefits to get things working harder.","start":1241.805,"end":1251.52,"sentiment":"neutral","sentiment_score":0.2136455212170497},{"text":"Are you happy with that?","start":1251.52,"end":1252.88,"sentiment":"positive","sentiment_score":0.40875675678253176}],"sentiment":"neutral","sentiment_score":0.20344457660533793,"num_words":73,"start":1231.3501,"end":1252.88},{"sentences":[{"text":"Yep.","start":1252.88,"end":1253.36,"sentiment":"neutral","sentiment_score":0.2794150710105896},{"text":"Beautiful.","start":1253.36,"end":1253.86,"sentiment":"positive","sentiment_score":0.712746262550354},{"text":"Excellent.","start":1254.32,"end":1254.82,"sentiment":"positive","sentiment_score":0.7417486310005188},{"text":"And with your super and your life cover, just wanted to confirm, beneficiary nomination should be set to have everything paid to your wife.","start":1255.6799,"end":1263.715,"sentiment":"neutral","sentiment_score":0.3175522492577632},{"text":"Is that right?","start":1263.715,"end":1264.515,"sentiment":"neutral","sentiment_score":0.1956027944882711}],"sentiment":"neutral","sentiment_score":0.3313990776737531,"num_words":30,"start":1252.88,"end":1264.515},{"sentences":[{"text":"Is is that what you're comfortable with?","start":1264.515,"end":1266.5349,"sentiment":"neutral","sentiment_score":0.14040783047676086},{"text":"Yes.","start":1267.235,"end":1267.735,"sentiment":"neutral","sentiment_score":0.13306543231010437},{"text":"Yeah.","start":1268.355,"end":1268.6749,"sentiment":"neutral","sentiment_score":0.1411374807357788},{"text":"Beautiful.","start":1268.6749,"end":1269.1749,"sentiment":"positive","sentiment_score":0.4869503378868103},{"text":"I'll I'll make sure everything is reflective of that.","start":1269.315,"end":1272.2949,"sentiment":"neutral","sentiment_score":0.15413057390186521}],"sentiment":"neutral","sentiment_score":0.16479911733614772,"num_words":19,"start":1264.515,"end":1272.2949},{"sentences":[{"text":"Have you guys got a will and power of attorney set up?","start":1272.355,"end":1275.315,"sentiment":"neutral","sentiment_score":0.045429375333090626},{"text":"Have you just talked about that?","start":1275.315,"end":1276.9349,"sentiment":"neutral","sentiment_score":-0.0016798675060272215},{"text":"I'm so sorry.","start":1284.12,"end":1285.18,"sentiment":"neutral","sentiment_score":-0.07506850610176723},{"text":"Yeah.","start":1287.16,"end":1287.66,"sentiment":"neutral","sentiment_score":-0.0294465534389019},{"text":"Yeah.","start":1289.16,"end":1289.66,"sentiment":"neutral","sentiment_score":-0.042087480425834656}],"sentiment":"neutral","sentiment_score":0.01036233681699504,"num_words":23,"start":1272.355,"end":1289.66},{"sentences":[{"text":"I'm so sorry.","start":1292.815,"end":1293.955,"sentiment":"neutral","sentiment_score":-0.05959868927796682},{"text":"Yeah.","start":1296.495,"end":1296.995,"sentiment":"neutral","sentiment_score":-0.04931669309735298},{"text":"Oh, I'm so sorry to hear that.","start":1298.415,"end":1300.095,"sentiment":"neutral","sentiment_score":-0.07477128319442272},{"text":"But, no, absolutely, doing a will is extremely important thinking The services of a solicitor to do so, you also do can do a will kit at the post office, so they are more contestable.","start":1300.095,"end":1310.63,"sentiment":"neutral","sentiment_score":0.020132689284426825},{"text":"So, realistically, having a solicitor do that and paying some extra money to have it set up correctly is met in your benefit.","start":1311.01,"end":1317.67,"sentiment":"neutral","sentiment_score":0.12494463684118312}],"sentiment":"neutral","sentiment_score":0.04096897143492664,"num_words":69,"start":1292.815,"end":1317.67},{"sentences":[{"text":"Absolutely.","start":1317.73,"end":1318.23,"sentiment":"neutral","sentiment_score":0.1664159595966339},{"text":"We can always just send you a referral, not so much a referral email, but just an email in relation to some a local solicitor within Queensland that we can always provide details on if you'd like to just to look at the costing and just to start the conversation.","start":1319.375,"end":1333.63,"sentiment":"neutral","sentiment_score":0.08696866229176521},{"text":"Would you like me to generate that for you?","start":1333.7699,"end":1335.9299,"sentiment":"neutral","sentiment_score":0.10613993638091618},{"text":"Yeah.","start":1335.9299,"end":1336.4299,"sentiment":"neutral","sentiment_score":0.0777917355298996},{"text":"Yeah.","start":1337.37,"end":1337.69,"sentiment":"neutral","sentiment_score":0.12848369777202606}],"sentiment":"neutral","sentiment_score":0.09155457959540429,"num_words":62,"start":1317.73,"end":1337.69},{"sentences":[{"text":"Absolutely.","start":1337.69,"end":1338.19,"sentiment":"neutral","sentiment_score":0.2355041205883026},{"text":"We'll get that email out to you.","start":1338.4099,"end":1339.7699,"sentiment":"neutral","sentiment_score":0.21962871508938925},{"text":"Not a problem at all.","start":1339.7699,"end":1341.07,"sentiment":"neutral","sentiment_score":0.2339705593883991},{"text":"And then just to update a few other details for you, your car that we have on file, you had a value on that last year of 35,000.","start":1341.5299,"end":1351.465,"sentiment":"neutral","sentiment_score":0.02011100801506213},{"text":"Would you value that the same, do you think?","start":1351.465,"end":1353.5449,"sentiment":"neutral","sentiment_score":0.01219392360912429}],"sentiment":"neutral","sentiment_score":0.07231222920119762,"num_words":50,"start":1337.69,"end":1353.5449},{"sentences":[{"text":"Or your car.","start":1353.5449,"end":1356.2849,"sentiment":"neutral","sentiment_score":-0.076047549645106},{"text":"Yeah.","start":1358.4249,"end":1358.9249,"sentiment":"neutral","sentiment_score":-0.04775124788284302},{"text":"That's okay.","start":1362.2,"end":1362.94,"sentiment":"neutral","sentiment_score":0.06117051839828491},{"text":"If you had to sell that, what what value is it to you?","start":1363.8,"end":1366.6,"sentiment":"neutral","sentiment_score":-0.005916768971544046},{"text":"What would you sell it for?","start":1366.6,"end":1367.98,"sentiment":"neutral","sentiment_score":-0.006039077416062355}],"sentiment":"neutral","sentiment_score":-0.010668212845921517,"num_words":25,"start":1353.5449,"end":1367.98},{"sentences":[{"text":"Yep.","start":1372.28,"end":1372.78,"sentiment":"neutral","sentiment_score":0.05262370407581329},{"text":"Yep.","start":1373.4,"end":1373.655,"sentiment":"neutral","sentiment_score":0.08551953732967377},{"text":"Yeah.","start":1375.5751,"end":1376.055,"sentiment":"neutral","sentiment_score":0.033903248608112335},{"text":"That's okay.","start":1376.055,"end":1376.875,"sentiment":"neutral","sentiment_score":0.054305676370859146},{"text":"Okay.","start":1382.6951,"end":1383.1951,"sentiment":"neutral","sentiment_score":0.049033816903829575}],"sentiment":"neutral","sentiment_score":0.05494860994319121,"num_words":6,"start":1372.28,"end":1383.1951},{"sentences":[{"text":"So what's the value would you put on the Land Cruiser, do you think?","start":1385.8151,"end":1388.64,"sentiment":"neutral","sentiment_score":0.043740269994097095},{"text":"Okay.","start":1399.52,"end":1400.02,"sentiment":"neutral","sentiment_score":0.016147250309586525},{"text":"Yeah.","start":1400.8,"end":1401.3,"sentiment":"neutral","sentiment_score":0.052125416696071625},{"text":"Beautiful.","start":1401.36,"end":1401.86,"sentiment":"neutral","sentiment_score":0.15392571687698364},{"text":"And with the other yeah.","start":1402.16,"end":1404.585,"sentiment":"neutral","sentiment_score":-0.07023147828876972}],"sentiment":"neutral","sentiment_score":0.021972944198006935,"num_words":22,"start":1385.8151,"end":1404.585},{"sentences":[{"text":"That's okay.","start":1404.585,"end":1405.5651,"sentiment":"neutral","sentiment_score":0.006857589352875948},{"text":"The the loan on the other the other vehicle we had, you owed 35,000 last would that have decreased a little bit?","start":1406.425,"end":1413.245,"sentiment":"neutral","sentiment_score":-0.15070617571473122},{"text":"Okay.","start":1421.8,"end":1422.3,"sentiment":"neutral","sentiment_score":-0.04004955291748047},{"text":"15?","start":1425.24,"end":1425.74,"sentiment":"neutral","sentiment_score":-0.02193457633256912},{"text":"Yep.","start":1426.12,"end":1426.52,"sentiment":"neutral","sentiment_score":0.02309541404247284}],"sentiment":"neutral","sentiment_score":-0.12372997786021894,"num_words":27,"start":1404.585,"end":1426.52},{"sentences":[{"text":"Beautiful.","start":1426.52,"end":1427.02,"sentiment":"neutral","sentiment_score":0.27200430631637573},{"text":"And I'll write here due to be paid out the next few months.","start":1428.12,"end":1431.075,"sentiment":"neutral","sentiment_score":0.10324014837925251},{"text":"Few months.","start":1433.3949,"end":1434.115,"sentiment":"neutral","sentiment_score":0.08099831268191338},{"text":"Beautiful.","start":1434.115,"end":1434.615,"sentiment":"positive","sentiment_score":0.4637066125869751},{"text":"Fantastic.","start":1434.835,"end":1435.335,"sentiment":"positive","sentiment_score":0.5323197841644287}],"sentiment":"neutral","sentiment_score":0.1540082920756605,"num_words":18,"start":1426.52,"end":1435.335},{"sentences":[{"text":"Thank you for updating that.","start":1435.475,"end":1436.755,"sentiment":"positive","sentiment_score":0.47123696804046633},{"text":"I've also with the Land Cruiser, do you have a loan on that vehicle?","start":1436.755,"end":1439.975,"sentiment":"neutral","sentiment_score":0.0927835585815566},{"text":"Do you know roughly how much that might be?","start":1441.635,"end":1443.8949,"sentiment":"neutral","sentiment_score":0.007955391166938676},{"text":"40,000?","start":1448.52,"end":1449.26,"sentiment":"neutral","sentiment_score":0.011450134217739103},{"text":"Lovely.","start":1449.5599,"end":1450.0599,"sentiment":"neutral","sentiment_score":0.28433987498283386}],"sentiment":"neutral","sentiment_score":0.13408477300157148,"num_words":30,"start":1435.475,"end":1450.0599},{"sentences":[{"text":"I've also got tools and trailer with a combined value of 25,000.","start":1451.08,"end":1455.24,"sentiment":"neutral","sentiment_score":0.16283976721266905},{"text":"Would that be accurate, or would that be more or less?","start":1455.24,"end":1458.255,"sentiment":"neutral","sentiment_score":0.031950783492489296},{"text":"Yeah.","start":1479.47,"end":1479.97,"sentiment":"neutral","sentiment_score":0.0034862528555095196},{"text":"No.","start":1485.23,"end":1485.73,"sentiment":"neutral","sentiment_score":-0.12642927467823029},{"text":"Okay.","start":1492.1749,"end":1492.655,"sentiment":"neutral","sentiment_score":0.04392540454864502}],"sentiment":"neutral","sentiment_score":0.08563531568058981,"num_words":26,"start":1451.08,"end":1492.655},{"sentences":[{"text":"Yep.","start":1492.655,"end":1492.975,"sentiment":"neutral","sentiment_score":0.28350189328193665},{"text":"Beautiful.","start":1492.975,"end":1493.475,"sentiment":"positive","sentiment_score":0.7328377962112427},{"text":"Absolutely.","start":1494.015,"end":1494.515,"sentiment":"positive","sentiment_score":0.6453521251678467},{"text":"Let's pop that on there.","start":1494.815,"end":1495.695,"sentiment":"positive","sentiment_score":0.3340608447790146},{"text":"I'll just put 40,000 down there for you.","start":1495.695,"end":1497.93,"sentiment":"neutral","sentiment_score":0.2210140023380518}],"sentiment":"neutral","sentiment_score":0.3187567535787821,"num_words":16,"start":1492.655,"end":1497.93},{"sentences":[{"text":"Do you have any other assets or liabilities or anything else that you would note down of value?","start":1498.0901,"end":1503.55,"sentiment":"neutral","sentiment_score":0.07595743901199764},{"text":"Yep.","start":1506.0901,"end":1506.4901,"sentiment":"neutral","sentiment_score":0.1146957278251648},{"text":"That's okay.","start":1506.4901,"end":1507.2101,"sentiment":"neutral","sentiment_score":0.18079185485839844},{"text":"And what's the value would you put on the caravan?","start":1507.2101,"end":1509.39,"sentiment":"neutral","sentiment_score":0.045547887682914734},{"text":"25,000?","start":1511.5349,"end":1512.595,"sentiment":"neutral","sentiment_score":0.025549259036779404}],"sentiment":"neutral","sentiment_score":0.07264192111324519,"num_words":32,"start":1498.0901,"end":1512.595},{"sentences":[{"text":"Beautiful.","start":1512.655,"end":1513.155,"sentiment":"neutral","sentiment_score":0.239641472697258},{"text":"Do you have any debts on that one at all?","start":1513.2949,"end":1515.5549,"sentiment":"neutral","sentiment_score":0.05654987152665854},{"text":"Nope.","start":1516.495,"end":1516.975,"sentiment":"neutral","sentiment_score":-0.11059066653251648},{"text":"That's okay.","start":1516.975,"end":1517.7949,"sentiment":"neutral","sentiment_score":-0.008628437295556068},{"text":"And for the advice document updating things, are you happy for me to use your income at a level of about 200,000, or what kind of income do you think you would have me factor in for the advice document?","start":1518.815,"end":1531.93,"sentiment":"neutral","sentiment_score":0.005859478237107396}],"sentiment":"neutral","sentiment_score":0.01688281067267612,"num_words":54,"start":1512.655,"end":1531.93},{"sentences":[{"text":"Yep.","start":1534.07,"end":1534.55,"sentiment":"neutral","sentiment_score":0.13794317841529846},{"text":"Beautiful.","start":1534.55,"end":1535.05,"sentiment":"positive","sentiment_score":0.3461727797985077},{"text":"And not you don't want me to consider contributions right now?","start":1535.1901,"end":1538.55,"sentiment":"neutral","sentiment_score":-0.12477044422518123},{"text":"We'll look at that down the track.","start":1538.55,"end":1539.975,"sentiment":"neutral","sentiment_score":-0.041347338152783256},{"text":"Is that right?","start":1539.975,"end":1544.375,"sentiment":"neutral","sentiment_score":-0.03255808042983214}],"sentiment":"neutral","sentiment_score":-0.05545497985313768,"num_words":23,"start":1534.07,"end":1544.375},{"sentences":[{"text":"It's money putting into super in six months.","start":1544.375,"end":1548.855,"sentiment":"neutral","sentiment_score":-0.055355964694172144},{"text":"No.","start":1548.855,"end":1549.015,"sentiment":"neutral","sentiment_score":-0.040268074721097946},{"text":"That's absolutely fine.","start":1549.015,"end":1550.295,"sentiment":"neutral","sentiment_score":0.125947003873686},{"text":"Just wanna make sure I've got everything across correctly for you.","start":1550.295,"end":1553.915,"sentiment":"neutral","sentiment_score":0.07593445378271016},{"text":"That's all good.","start":1555.5801,"end":1556.62,"sentiment":"positive","sentiment_score":0.4983131488164266}],"sentiment":"neutral","sentiment_score":0.08557475605406441,"num_words":26,"start":1544.375,"end":1556.62},{"sentences":[{"text":"And I just have to update your next of kin on file as well.","start":1556.62,"end":1559.92,"sentiment":"neutral","sentiment_score":0.15699606867773191},{"text":"What's your wife's name?","start":1560.06,"end":1561.6001,"sentiment":"neutral","sentiment_score":0.030172598082572222},{"text":"Beautiful.","start":1564.8601,"end":1565.3601,"sentiment":"neutral","sentiment_score":0.18589195609092712},{"text":"And same surname as yourself, Baker?","start":1565.5,"end":1568.0,"sentiment":"neutral","sentiment_score":0.059730103239417076},{"text":"No?","start":1568.8849,"end":1569.3849,"sentiment":"neutral","sentiment_score":-0.004523508716374636}],"sentiment":"neutral","sentiment_score":0.10993786233190733,"num_words":26,"start":1556.62,"end":1569.3849},{"sentences":[{"text":"Yep.","start":1571.2849,"end":1571.7849,"sentiment":"neutral","sentiment_score":0.01124951522797346},{"text":"Fantastic.","start":1574.4049,"end":1574.9049,"sentiment":"neutral","sentiment_score":0.31664103269577026},{"text":"And do you know her phone number off by heart at all?","start":1575.205,"end":1577.625,"sentiment":"neutral","sentiment_score":0.11220910834769408},{"text":"Yes.","start":1579.5249,"end":1580.0249,"sentiment":"neutral","sentiment_score":0.025048378854990005},{"text":"Yep.","start":1582.1649,"end":1582.6649,"sentiment":"neutral","sentiment_score":0.0198647603392601}],"sentiment":"neutral","sentiment_score":0.10745706170564517,"num_words":16,"start":1571.2849,"end":1582.6649},{"sentences":[{"text":"840.","start":1584.66,"end":1585.88,"sentiment":"neutral","sentiment_score":0.035699039697647095},{"text":"Fantastic.","start":1585.94,"end":1586.44,"sentiment":"positive","sentiment_score":0.4770938754081726},{"text":"Thank you for updating that.","start":1586.82,"end":1588.52,"sentiment":"positive","sentiment_score":0.6379580855369568},{"text":"The only other thing I need to sort of double check is just your risk profile.","start":1588.98,"end":1592.84,"sentiment":"neutral","sentiment_score":0.05729761370457709},{"text":"So just very simply three questions to kinda go through.","start":1592.9,"end":1596.52,"sentiment":"neutral","sentiment_score":0.07276917304843664}],"sentiment":"neutral","sentiment_score":0.16203142098630918,"num_words":33,"start":1584.66,"end":1596.52},{"sentences":[{"text":"If you were to, say, find your super had fallen in value over the next one to two years, say, it had fallen in value by 20% due to what was happening globally, how do you think you might be feeling?","start":1597.095,"end":1608.315,"sentiment":"neutral","sentiment_score":-0.15885527113952289},{"text":"Are you thinking that you might feel it's an investment opportunity, maybe chuck some money in the super and take advantage of that time?","start":1608.375,"end":1615.03,"sentiment":"neutral","sentiment_score":0.05214558976391951},{"text":"Are you likely to hold and wait and call us and see what we suggest you do, or are you a bit nervous and maybe wanting to sell the investments to cash?","start":1615.25,"end":1622.53,"sentiment":"neutral","sentiment_score":-0.20324615365825593},{"text":"How do you think you might react?","start":1622.53,"end":1624.0701,"sentiment":"neutral","sentiment_score":-0.09257398705397334},{"text":"Yeah.","start":1630.0751,"end":1630.5751,"sentiment":"neutral","sentiment_score":-0.05380879342556}],"sentiment":"neutral","sentiment_score":-0.11873595792622793,"num_words":105,"start":1597.095,"end":1630.5751},{"sentences":[{"text":"Yeah.","start":1641.65,"end":1642.15,"sentiment":"neutral","sentiment_score":-0.014734217897057532},{"text":"Yeah.","start":1642.21,"end":1642.71,"sentiment":"neutral","sentiment_score":0.0012992583215236664},{"text":"Yep.","start":1643.09,"end":1643.59,"sentiment":"neutral","sentiment_score":-0.0007339231669902802},{"text":"Yeah.","start":1645.57,"end":1645.89,"sentiment":"neutral","sentiment_score":-0.1410548985004425},{"text":"That's that's okay.","start":1645.89,"end":1647.19,"sentiment":"neutral","sentiment_score":-0.3136204282442729}],"sentiment":"neutral","sentiment_score":-0.1565835808536836,"num_words":7,"start":1641.65,"end":1647.19},{"sentences":[{"text":"No.","start":1648.69,"end":1649.01,"sentiment":"neutral","sentiment_score":-0.18237876892089844},{"text":"That's okay.","start":1649.01,"end":1649.65,"sentiment":"neutral","sentiment_score":-0.04083870723843575},{"text":"That's absolutely fine.","start":1649.65,"end":1651.03,"sentiment":"neutral","sentiment_score":0.27656612793604535},{"text":"I can tick that box.","start":1651.8651,"end":1652.9851,"sentiment":"neutral","sentiment_score":0.24680047035217284},{"text":"Now when you think about your risk profile so at the moment, with the way I can see things, you're meant to be more of a high growth environment.","start":1652.9851,"end":1659.885,"sentiment":"neutral","sentiment_score":-0.08502638006004794}],"sentiment":"neutral","sentiment_score":-0.016653011739253997,"num_words":40,"start":1648.69,"end":1659.885},{"sentences":[{"text":"So that is where you're trying to take a little bit more risk in the market in order to try and get greater potential returns.","start":1660.185,"end":1666.925,"sentiment":"neutral","sentiment_score":-0.07025397211313247},{"text":"But we are aware that there are gonna be, you know, negative years.","start":1667.4,"end":1671.3401,"sentiment":"neutral","sentiment_score":-0.2680163692969542},{"text":"And this is probably a good example of, you know, the ups and downs.","start":1671.64,"end":1675.02,"sentiment":"neutral","sentiment_score":-0.18862093878643854},{"text":"That high growth environment, we can expect a negative year, say, one in every five years.","start":1675.8,"end":1680.28,"sentiment":"neutral","sentiment_score":-0.28047653939574957},{"text":"It does suit someone who has about eight years before they're planning to access that super.","start":1680.28,"end":1684.675,"sentiment":"neutral","sentiment_score":-0.19262653775513172}],"sentiment":"neutral","sentiment_score":-0.18393933906086854,"num_words":84,"start":1660.185,"end":1684.675},{"sentences":[{"text":"And if you were to think about risk out of a number between one and five, one being all in cash, five being all in the market, you're actually seeing it about a four there.","start":1684.8151,"end":1692.8151,"sentiment":"neutral","sentiment_score":-0.12301201394626073},{"text":"So you're realistically not the highest level of risk, but you are up there.","start":1692.8151,"end":1697.795,"sentiment":"neutral","sentiment_score":0.02728292186345373},{"text":"If you think about that, how do you sort of feel?","start":1698.4701,"end":1701.43,"sentiment":"neutral","sentiment_score":0.06184395572001284},{"text":"Are you comfortable taking on more risk to get greater potential returns knowing that there is a downside as well, or are you feeling like you should be a little bit lower risk?","start":1701.43,"end":1710.39,"sentiment":"neutral","sentiment_score":-0.004109774349313794},{"text":"Where would you see yourself sitting on that scale?","start":1710.39,"end":1712.675,"sentiment":"neutral","sentiment_score":-0.03773327461547322}],"sentiment":"neutral","sentiment_score":-0.03645488327624751,"num_words":102,"start":1684.8151,"end":1712.675},{"sentences":[{"text":"Yep.","start":1722.8151,"end":1723.3151,"sentiment":"neutral","sentiment_score":-0.01796085759997368},{"text":"Yep.","start":1723.775,"end":1724.275,"sentiment":"neutral","sentiment_score":-0.0188737902790308},{"text":"Yeah.","start":1726.0399,"end":1726.2799,"sentiment":"neutral","sentiment_score":-0.01209106482565403},{"text":"Look.","start":1726.2799,"end":1726.52,"sentiment":"neutral","sentiment_score":-0.017907915636897087},{"text":"Honestly, as I said, you're basically the same age as me.","start":1726.52,"end":1729.1599,"sentiment":"neutral","sentiment_score":-0.04937154969031161}],"sentiment":"neutral","sentiment_score":-0.04066137832899888,"num_words":15,"start":1722.8151,"end":1729.1599},{"sentences":[{"text":"We do have about twenty years before we can access super at this point.","start":1729.1599,"end":1732.84,"sentiment":"neutral","sentiment_score":-0.05700704841209309},{"text":"So we do have time to be in that higher risk environment.","start":1732.84,"end":1736.62,"sentiment":"neutral","sentiment_score":-0.13305267443259558},{"text":"If you were, say, eight or nine years away from accessing super, I'd be very much going, hey.","start":1736.76,"end":1742.085,"sentiment":"neutral","sentiment_score":-0.15653017039100328},{"text":"Let's talk about reducing it back a little bit.","start":1742.085,"end":1744.745,"sentiment":"neutral","sentiment_score":-0.08109478528300922},{"text":"Yeah.","start":1744.8049,"end":1745.285,"sentiment":"neutral","sentiment_score":0.04990936815738678}],"sentiment":"neutral","sentiment_score":-0.10911513958126307,"num_words":54,"start":1729.1599,"end":1745.285},{"sentences":[{"text":"So I would be guiding you through that point.","start":1745.285,"end":1747.785,"sentiment":"neutral","sentiment_score":0.1322611305448744},{"text":"But right now, because especially with not adding any additional contributions to super, you can probably look at taking on a bit more risk and trying to compound those returns a little bit more.","start":1748.645,"end":1760.2,"sentiment":"neutral","sentiment_score":-0.032420989016399664},{"text":"And when you sort of are able to access or put more money in the super, then we could always look at reducing it back a little bit to kind of compensate.","start":1760.9,"end":1768.735,"sentiment":"neutral","sentiment_score":0.006437724456191063},{"text":"Does that make sense?","start":1769.035,"end":1770.095,"sentiment":"neutral","sentiment_score":0.05456124246120453},{"text":"Yeah.","start":1772.635,"end":1773.135,"sentiment":"neutral","sentiment_score":0.28834885358810425}],"sentiment":"neutral","sentiment_score":0.010007969429716468,"num_words":80,"start":1745.285,"end":1773.135},{"sentences":[{"text":"That's that's all good.","start":1773.355,"end":1775.9349,"sentiment":"positive","sentiment_score":0.5329304486513138},{"text":"The last question I have is, realistically, if you saw your super fall in value, how does it make you feel?","start":1775.995,"end":1781.9501,"sentiment":"neutral","sentiment_score":-0.01487081524516855},{"text":"Are you optimistic about the investment opportunities?","start":1781.9501,"end":1784.4501,"sentiment":"neutral","sentiment_score":0.09715131510581289},{"text":"Feeling a bit cautious, concerned, or anxious, where would you sort of see yourself?","start":1784.75,"end":1788.93,"sentiment":"neutral","sentiment_score":-0.16033188360077993},{"text":"Yep.","start":1794.03,"end":1794.53,"sentiment":"neutral","sentiment_score":0.05803511664271355}],"sentiment":"neutral","sentiment_score":0.006657077158068089,"num_words":47,"start":1773.355,"end":1794.53},{"sentences":[{"text":"Yep.","start":1795.7101,"end":1796.175,"sentiment":"neutral","sentiment_score":0.0955790877342224},{"text":"That's okay.","start":1796.255,"end":1797.155,"sentiment":"neutral","sentiment_score":0.3144340440630913},{"text":"Excellent.","start":1799.2151,"end":1799.7151,"sentiment":"positive","sentiment_score":0.5745967030525208},{"text":"And the last one here is have you ever thought about borrowing to, say, invest in shares or managed funds, or do you consider that too risky and only ever wanted to borrow for, say, property?","start":1800.415,"end":1809.875,"sentiment":"neutral","sentiment_score":-0.009219734256880151},{"text":"Where do you sort of see that answer?","start":1809.935,"end":1814.14,"sentiment":"neutral","sentiment_score":-0.10044507030397654}],"sentiment":"neutral","sentiment_score":0.003407768400696417,"num_words":48,"start":1795.7101,"end":1814.14},{"sentences":[{"text":"That's okay.","start":1814.2001,"end":1815.02,"sentiment":"neutral","sentiment_score":-0.030032096430659294},{"text":"Have you ever considered borrowing from a bank or financial institution in order to invest in shares or manage funds, or have you only ever thought about borrowing for, say, property?","start":1815.08,"end":1825.8201,"sentiment":"neutral","sentiment_score":0.004365718172442528},{"text":"Yep.","start":1829.265,"end":1829.765,"sentiment":"neutral","sentiment_score":0.025949254631996155},{"text":"Yep.","start":1837.665,"end":1838.165,"sentiment":"neutral","sentiment_score":0.06308567523956299},{"text":"Yep.","start":1839.8251,"end":1840.3251,"sentiment":"neutral","sentiment_score":0.006598826497793198}],"sentiment":"neutral","sentiment_score":0.004747411857048671,"num_words":36,"start":1814.2001,"end":1840.3251},{"sentences":[{"text":"We don't.","start":1842.33,"end":1842.89,"sentiment":"neutral","sentiment_score":-0.3212476372718811},{"text":"It is something that advisers are very, very hesitant on advising on.","start":1842.89,"end":1847.5299,"sentiment":"negative","sentiment_score":-0.45280737429857254},{"text":"I can send you some general information and some research data if you like, but it is a very risky kind of investment.","start":1847.5299,"end":1854.59,"sentiment":"negative","sentiment_score":-0.4700527787208557},{"text":"People do lose a lot of money.","start":1854.65,"end":1855.9451,"sentiment":"negative","sentiment_score":-0.7072509697505406},{"text":"The biggest thing there is that the market's never actually closed, so it is very hard to value those sorts of investments.","start":1855.9451,"end":1863.405,"sentiment":"negative","sentiment_score":-0.5235846841877158}],"sentiment":"negative","sentiment_score":-0.5054093563195431,"num_words":66,"start":1842.33,"end":1863.405},{"sentences":[{"text":"Yeah.","start":1863.785,"end":1864.285,"sentiment":"neutral","sentiment_score":-0.3076687753200531},{"text":"At the moment, yeah, given your goals and your age and state, if there was any reason I mean, we just physically can't advise to do it in any way, shape, or form.","start":1867.6901,"end":1877.7101,"sentiment":"neutral","sentiment_score":-0.31144514657331235},{"text":"It's not under our license to do so, but there are other ways to invest if you wanted to build wealth outside of super.","start":1878.3301,"end":1885.1849,"sentiment":"neutral","sentiment_score":-0.17387674376368523},{"text":"Let me know.","start":1885.1849,"end":1885.665,"sentiment":"neutral","sentiment_score":0.0033202494184176117},{"text":"We can definitely talk more about the options and what that looks like and see if there's a a better way to kinda create long term wealth for you.","start":1885.665,"end":1893.925,"sentiment":"neutral","sentiment_score":0.16748093325516272}],"sentiment":"neutral","sentiment_score":-0.10990547388792038,"num_words":90,"start":1863.785,"end":1893.925},{"sentences":[{"text":"Yeah.","start":1894.145,"end":1894.645,"sentiment":"neutral","sentiment_score":0.10482281446456908},{"text":"So same as your your super portfolio, we can build investment portfolios.","start":1898.8301,"end":1903.01,"sentiment":"neutral","sentiment_score":0.14601176542540392},{"text":"We have access to investment bonds as well, child bonds if you're trying to build wealth for your kids, and also just the cash on budgeting advice or property depending on what year after if you wanted to borrow to, say, have investment properties and things like that as well.","start":1903.15,"end":1917.525,"sentiment":"neutral","sentiment_score":0.12398226223886014},{"text":"So there are other ways to build wealth.","start":1917.525,"end":1920.345,"sentiment":"neutral","sentiment_score":0.11506921611726284},{"text":"Yeah.","start":1922.645,"end":1923.145,"sentiment":"neutral","sentiment_score":0.06133727729320526}],"sentiment":"neutral","sentiment_score":0.12552733496866292,"num_words":72,"start":1894.145,"end":1923.145},{"sentences":[{"text":"Yeah.","start":1924.0851,"end":1924.5851,"sentiment":"neutral","sentiment_score":0.02886357344686985},{"text":"Well, we'd need yeah.","start":1927.05,"end":1928.89,"sentiment":"neutral","sentiment_score":0.0026845713146030903},{"text":"So you'd sort of need to look at what your borrowing capacity is.","start":1928.89,"end":1932.3301,"sentiment":"neutral","sentiment_score":-0.002379484188098173},{"text":"So speak to a mortgage broker to find out whether you have borrowing capacity, what you're able to borrow, and then finding a property.","start":1932.3301,"end":1939.87,"sentiment":"neutral","sentiment_score":0.07013468537479639},{"text":"Once you understand that, then you can always come back, and I can provide additional advice around that for you.","start":1940.275,"end":1945.975,"sentiment":"neutral","sentiment_score":0.09705586805939674}],"sentiment":"neutral","sentiment_score":0.058597070555533134,"num_words":62,"start":1924.0851,"end":1945.975},{"sentences":[{"text":"Yeah.","start":1946.195,"end":1946.695,"sentiment":"neutral","sentiment_score":0.010901598259806631},{"text":"No.","start":1951.795,"end":1952.275,"sentiment":"neutral","sentiment_score":-0.22948460280895233},{"text":"So you actually can't, under the changes to legislation, purchase residential property inside super with a loan anymore if you had enough to buy the property outright.","start":1952.275,"end":1963.13,"sentiment":"neutral","sentiment_score":-0.1889400907136776},{"text":"No.","start":1963.19,"end":1963.59,"sentiment":"neutral","sentiment_score":-0.2062416970729828},{"text":"They've changed the legislation.","start":1963.59,"end":1965.0499,"sentiment":"neutral","sentiment_score":-0.18870000913739204}],"sentiment":"neutral","sentiment_score":-0.18473550551297033,"num_words":34,"start":1946.195,"end":1965.0499},{"sentences":[{"text":"So as of the August 10 this year, the legislation has been changed, so you can't hold that have loans for inside super for residential property.","start":1965.27,"end":1975.7949,"sentiment":"neutral","sentiment_score":-0.11603813360516842},{"text":"They only allow for commercial property now, unfortunately.","start":1975.7949,"end":1978.455,"sentiment":"neutral","sentiment_score":-0.18255500122904778},{"text":"Yeah.","start":1980.61,"end":1981.11,"sentiment":"neutral","sentiment_score":0.026289120316505432},{"text":"It is.","start":1982.21,"end":1982.77,"sentiment":"neutral","sentiment_score":0.0639277808368206},{"text":"They know.","start":1982.77,"end":1983.51,"sentiment":"neutral","sentiment_score":0.07967413775622845}],"sentiment":"neutral","sentiment_score":-0.10676765451446557,"num_words":39,"start":1965.27,"end":1983.51},{"sentences":[{"text":"They saw everyone coming.","start":1984.0499,"end":1985.4299,"sentiment":"neutral","sentiment_score":0.25907638669013977},{"text":"All good.","start":1985.97,"end":1986.71,"sentiment":"positive","sentiment_score":0.5358866751194},{"text":"The only other thing to let you know, look, you scored in that high growth area.","start":1987.1699,"end":1990.7699,"sentiment":"neutral","sentiment_score":0.2567287106066942},{"text":"I'm happy to keep you in that.","start":1990.7699,"end":1992.13,"sentiment":"positive","sentiment_score":0.57086181640625},{"text":"Would you like me just to keep that going as it is for the moment, update the advice of what we have, and then we revisit it in six months' time?","start":1992.13,"end":1999.1051,"sentiment":"neutral","sentiment_score":0.15088259548910202}],"sentiment":"neutral","sentiment_score":0.24815219069520633,"num_words":60,"start":1984.0499,"end":1999.1051},{"sentences":[{"text":"Does that work for you, Heath?","start":1999.1051,"end":2000.645,"sentiment":"neutral","sentiment_score":0.07390554932256539},{"text":"Yep.","start":2000.8651,"end":2001.3651,"sentiment":"neutral","sentiment_score":0.10910344123840332},{"text":"Beautiful.","start":2002.9451,"end":2003.4451,"sentiment":"positive","sentiment_score":0.4978696703910827},{"text":"Yeah.","start":2005.505,"end":2006.005,"sentiment":"neutral","sentiment_score":0.18991965055465695},{"text":"Absolutely.","start":2006.625,"end":2007.125,"sentiment":"neutral","sentiment_score":0.27226048707962036}],"sentiment":"neutral","sentiment_score":0.15125865451991558,"num_words":10,"start":1999.1051,"end":2007.125},{"sentences":[{"text":"Absolutely.","start":2007.5851,"end":2008.0851,"sentiment":"neutral","sentiment_score":0.22695302963256836},{"text":"The only other thing to let you know is in that email, you've got your ongoing service agreement as well.","start":2008.2251,"end":2012.64,"sentiment":"neutral","sentiment_score":0.08579786326736212},{"text":"You are on 1.65% at the moment with our new fee structure.","start":2012.64,"end":2017.44,"sentiment":"neutral","sentiment_score":0.022743677875647943},{"text":"The more your balance increases, so once you get to that $200,000 mark, you'll actually drop into the next tier.","start":2017.44,"end":2023.38,"sentiment":"neutral","sentiment_score":0.06050589652732015},{"text":"And we work at our fee as a dollar figure now so that it's a set fee.","start":2023.915,"end":2027.755,"sentiment":"neutral","sentiment_score":0.04272583806339432}],"sentiment":"neutral","sentiment_score":0.059318451530167036,"num_words":70,"start":2007.5851,"end":2027.755},{"sentences":[{"text":"You know exactly how much you'll pay for the year.","start":2027.755,"end":2030.415,"sentiment":"neutral","sentiment_score":0.023076390288770197},{"text":"Okay?","start":2030.555,"end":2031.055,"sentiment":"neutral","sentiment_score":0.026998450979590416},{"text":"Yeah.","start":2032.475,"end":2032.955,"sentiment":"neutral","sentiment_score":0.1956575512886047},{"text":"Excellent.","start":2032.955,"end":2033.355,"sentiment":"positive","sentiment_score":0.5138131976127625},{"text":"I'll get you to sign and return that back for me as at your earliest opportunity.","start":2033.355,"end":2037.055,"sentiment":"positive","sentiment_score":0.3766760192811489}],"sentiment":"neutral","sentiment_score":0.24117411762989802,"num_words":29,"start":2027.755,"end":2037.055},{"sentences":[{"text":"I'll get stuck into the research.","start":2037.595,"end":2039.37,"sentiment":"neutral","sentiment_score":0.23437724759181341},{"text":"I just need to make sure one of my team can do a pre assessment with you one day, maybe next week.","start":2039.91,"end":2045.35,"sentiment":"neutral","sentiment_score":0.06840211813422767},{"text":"Is there a day someone can give you a call just to run through a quick pre assessment for my research for the advice?","start":2045.35,"end":2050.73,"sentiment":"neutral","sentiment_score":0.10476422899713118},{"text":"Yeah.","start":2062.175,"end":2062.675,"sentiment":"neutral","sentiment_score":0.017492299899458885},{"text":"Yes.","start":2072.59,"end":2073.09,"sentiment":"neutral","sentiment_score":0.05602934584021568}],"sentiment":"neutral","sentiment_score":0.10183283752175393,"num_words":54,"start":2037.595,"end":2073.09},{"sentences":[{"text":"Next Thursday, the twenty seventh?","start":2073.23,"end":2075.25,"sentiment":"neutral","sentiment_score":0.04132085219025612},{"text":"Yeah.","start":2076.775,"end":2077.095,"sentiment":"neutral","sentiment_score":0.10293936729431152},{"text":"I can book it in for 03:30 if you like.","start":2077.095,"end":2079.335,"sentiment":"neutral","sentiment_score":0.14979617148637772},{"text":"My colleague, Samantha, will give you a call.","start":2079.335,"end":2081.0151,"sentiment":"neutral","sentiment_score":0.13587569072842598},{"text":"This one's through a free assessment questionnaire.","start":2081.0151,"end":2083.035,"sentiment":"neutral","sentiment_score":0.1425683753831046}],"sentiment":"neutral","sentiment_score":0.1255641773102745,"num_words":31,"start":2073.23,"end":2083.035},{"sentences":[{"text":"It just helps me to understand what kind of insurance terms might be offered and reassess the contracts for you prior to updating the advice.","start":2083.095,"end":2090.375,"sentiment":"neutral","sentiment_score":0.14098266631364822},{"text":"Is that okay?","start":2090.375,"end":2091.275,"sentiment":"neutral","sentiment_score":0.1198362981279691},{"text":"Fantastic.","start":2093.23,"end":2093.73,"sentiment":"positive","sentiment_score":0.764258861541748},{"text":"Look.","start":2094.5898,"end":2094.8298,"sentiment":"positive","sentiment_score":0.6243723630905151},{"text":"I will let you go.","start":2094.8298,"end":2095.71,"sentiment":"positive","sentiment_score":0.6245924949645996}],"sentiment":"neutral","sentiment_score":0.23987626433372497,"num_words":35,"start":2083.095,"end":2095.71},{"sentences":[{"text":"I've taken up way too much of your time, but I really appreciate you this afternoon.","start":2095.71,"end":2099.8098,"sentiment":"positive","sentiment_score":0.4820009106770158},{"text":"If you can sign and return that email back for me, and I'll get stuck into the research and update the advice for you.","start":2100.3499,"end":2105.5498,"sentiment":"positive","sentiment_score":0.4090181787808736},{"text":"Does that sound okay?","start":2105.5498,"end":2106.69,"sentiment":"neutral","sentiment_score":0.23678286373615265},{"text":"My pleasure.","start":2109.045,"end":2109.685,"sentiment":"positive","sentiment_score":0.7248420715332031},{"text":"Thank you for your time, Heath.","start":2109.685,"end":2110.965,"sentiment":"positive","sentiment_score":0.7098956902821859}],"sentiment":"positive","sentiment_score":0.46508924233225674,"num_words":52,"start":2095.71,"end":2110.965},{"sentences":[{"text":"I'm so sorry for the trouble.","start":2110.965,"end":2112.2449,"sentiment":"neutral","sentiment_score":-0.06760301565130551},{"text":"I hope everything is okay, and you have a lovely afternoon.","start":2112.2449,"end":2115.625,"sentiment":"positive","sentiment_score":0.6091336309909821},{"text":"My pleasure.","start":2118.369,"end":2119.0889,"sentiment":"positive","sentiment_score":0.6349312365055084},{"text":"Enjoy your 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Yeah. Thank you. Sorry about that. Yeah. I think so. The moment's not doing real well, but I'm just waiting for a call where we all have to race up there. You know? Yeah. No. Let's finish it now. Let's finish. Yeah. Yes. Yeah. 100%. Yeah. No. I'm a hundred I'm hundred and eighty three centimeters, And I'm about I've been we're on a oh, some stupid dive she's got me on, but I'm probably about ninety eight. Alright. What was my what was my weight? Alright. Yeah. Alright. We probably we've she's got me on that bloody EBT challenge, whatever it is. EBT. It's Something she's I don't know where she found it, but I think we did we started it on doing an eight week challenge. Must have been would've maybe been this time last year, I guess. Yeah. I think I got up to about a hundred and fourteen kilos, so we have to do something. Yeah. Yeah. If we can get it up higher for cheaper, I would. Yeah. What's your life worth, isn't it? Oh, what's sorry. What was that? What what was that one? Yes. Yes. Yes. Oh, because who whose income would it be? It'd be then my spouse's income, would it? Oh, that's if I die. Oh, oh, yeah. Five years. Just a 100 and no. 120, maybe. I don't know. We got a high we got a high needs to order, so it's hard with her working full time only because she's always in specialists and physios, and she's got cerebral palsy. So it's hard. She can only work around, I guess, daughter's needs too. You know? Just go one fifty. That's what I'd say. Yep. Yep. That they wouldn't have to. Yeah. But it would also it would also cover that would then cover because pretty much her wage goes to school fees, I guess. And you put it like that, so it would be able to cover her past the school fees. Yeah. I think so. Yep. How how does the loss how does the loss of income work? Like, if I hurt myself today at work, what would happen and I couldn't work? Yeah. No. It's good. Yeah. Woah. That's disgusting, ain't it? Yeah. Correct. Yeah. Yes. Alright. Yep. Yeah. Yeah. Yeah. That's right. Yeah. It's just not no. There wouldn't be there's not a lot really I could sell off. You know? I don't it'd be the cars maybe and mainly just the tools. Like, I don't have any plan. Mhmm. Yeah. And it's not like you could sell the business because it's more Yeah. I don't know, man. Yeah. Twenty years. Yeah. Yeah. Yeah. Well, if I could never work again, it'd have to be that twenty years, wouldn't it? Yeah. What's that? Three point something million dollars. Yeah. Yeah. Yeah. So it's possibly. Yeah. Possibly. That's because it's that's only getting paid out if I die, isn't it? Oh, no. Not not yeah. The not the TPD. The other one paying out the super, and then she'll get that five years or whatever at a 150,000. That goes to her, doesn't it? Yeah. Yeah. So this this other one, how how would how does it work? Sorry. The one you just mentioned. Yeah. Yeah. The 20 2%. Yeah. Son yeah. Yeah. That's right. Yeah. That's right. Yeah. Yeah. Do that. Yeah. Oh, I guess I do one and we'll see what the price is, what it's you know? Yeah. Five 100 Yep. Penis. That should be right. Yeah. I do that. Also, does it does it cover me for, like say, I snap my leg and I'm off work for, you know, two months. Am I covered for that or not? It's like income protection? Yeah. Alright. Good. Oh, no. No. It's at at this stage, it's it should yeah. Should. Yeah. Hello? Yeah. Yeah. 3.5. 2.5. It has to be 7, maybe a month. Yeah. Yeah. Yeah. No. Just got 7. Yeah. He's good at that. Think we better go. Yep. Okay. I'm gonna go and pick him up. Are you gonna stay down there? Yes. Is that alright? Okay. Don't leave me. Yep. Yeah. Sorry. Bitch is trying to spindle me into something. Yeah. Yeah. Yeah. That's right. No. I think thirty days is appropriate. Two two years would be fine, I think. Yeah. Yes. Oh, yeah. Okay. Yep. Yep. What whatever we can do to get that 7,000 dollars a year down on $9,000, I think it is, which how long have I been with you? Three, four years. Yeah. So that's possibly 50,000 dollars, Yeah. Yeah. Yeah. Like I said, I've been getting smashed with them. They ring me all the time. Yeah. Yeah. A 100%. Yep. Yeah. No. I do it including. Yeah. If we can get that yeah. And we can get that price pin a bit. Yes. I'm happy with that at the moment. I'm happy. So the main ones were the if I did hurt myself today, I'm off for two months, am I covered? And yeah. That was the only question I had. Yes. Yep. 30 days. Yep. Alright. Yep. Sorry, sir. Yeah. Yep. Yeah. Okay. Perfect. Thank you. Yes. I'm sorry. Oh, good. Yes. That's right. Yep. Appreciate it. Yep. Yep. Oh, that'd be great. Yeah. That'd be great. 100%. Yep. Last Yeah. Yeah. I don't, and we need to because I lost my parents, what, less than twelve months ago, but I lost them both in the same year on the exact same cancer. So and then I've been saying, oh, we need to get a will. We need to get a will, but we haven't done anything yet. Yeah. It's better. Yeah. Yep. Alright. Yeah. Yeah. 100 percent. Yeah. If you could, please. Yep. What is it? Sorry. Oh, my car. Oh, I don't know what even what the depreciation value. It's got 58,000 k's on it. Yeah. It's hopefully around that. If not, yeah. Like, surely, I'd get the same for that. I got two cars. So I've got that car, and I've got a 300 series Land Cruiser. Yeah. It's only 2 what's it? Two years old, I guess. So I should still be able to get $8,090,000 for it. 80 something thousand for it. 90. I don't know if I hate cars. What's that? Sorry. Yeah. I'm pretty sure it gets paid out. Oh, I don't know. In a few months. But I don't know. I just put 15 on it. But yeah. Yeah. And Yeah. We do. I think it is 40. Yeah. Just it probably it's probably a lot more. I wouldn't even know. So yeah. What did you say? 25? Yeah. 25 wouldn't go real far, but it's probably close to the $35.40 mark, realistically. Just a caravan. 25. Yeah. No. No. At this stage, just do that. Yeah. What's con what do you mean by contribution? Sorry. Oh, yeah. No. Let's do that in about six months if we can. Sorry. Yeah. Yeah. I'm yeah. No. Appreciate it. Latoya, l a t o y a. Nah. G s c h u l g a. Yeah. It's 0438 432 840. Yep. Perfect. Oh, if it if it was to drop, did you say? If it if it I don't know. I guess if it I don't know. You'd like to say, oh, you'd like to throw some money in it after we catch it on the way up. Yeah. I guess so. I don't know. I'm not getting any younger. Yeah. Yeah. Yeah. That's right. Yeah. Alright. Thanks. Yeah. I don't know. I don't mind being at the high risk to get the rewards, I guess. I don't know. What do you think? Yeah. Yeah. Drop it down. Yeah. Okay. Can you hang up for me? Bye. Oh, a bit of price of the bottom ones. Cautious, anxious. Anytime. Yeah. Sorry. Can you say that again? What was that? Really? I only have a property, I guess, but I have been thinking about maybe putting 20 into Bitcoin or something, you know, see how that was today. But did you say do anything today, do you? Yeah. Do you advise against it? Alright. Alright. What what are some of them? I would probably I think they've got a property if I could. What what do you need to get started? What sort of figure? And is that is that borrowed through sofa or not? Yeah. Yeah. Definitely. Hopefully, everything overseas and stuff that went down here. Okay. Yeah. Yeah. Okay. Can we do it can we do it Thursday? I just got a crazy start of the week. So Thursday would probably be better at about I gotta pick the kids up on Thursday. So three three quarter past three would be good. Yeah. Yeah. Wonderful. That's great. Thank you. You too. Thank you. See you later. 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Yeah. Thank you. Sorry about that. Yeah.\n\nI think so. The moment's not doing real well, but I'm just waiting for a call where we all have to race up there. You know? Yeah. No.\n\nLet's finish it now. Let's finish. Yeah. Yes. Yeah.\n\n100%. Yeah. No. I'm a hundred I'm hundred and eighty three centimeters, And I'm about I've been we're on a oh, some stupid dive she's got me on, but I'm probably about ninety eight. Alright.\n\nWhat was my what was my weight? Alright. Yeah. Alright. We probably we've she's got me on that bloody EBT challenge, whatever it is.\n\nEBT. It's Something she's I don't know where she found it, but I think we did we started it on doing an eight week challenge. Must have been would've maybe been this time last year, I guess. Yeah. I think I got up to about a hundred and fourteen kilos, so we have to do something.\n\nYeah. Yeah. If we can get it up higher for cheaper, I would. Yeah. What's your life worth, isn't it?\n\nOh, what's sorry. What was that? What what was that one? Yes. Yes.\n\nYes. Oh, because who whose income would it be? It'd be then my spouse's income, would it? Oh, that's if I die. Oh, oh, yeah.\n\nFive years. Just a 100 and no. 120, maybe. I don't know. We got a high we got a high needs to order, so it's hard with her working full time only because she's always in specialists and physios, and she's got cerebral palsy.\n\nSo it's hard. She can only work around, I guess, daughter's needs too. You know? Just go one fifty. That's what I'd say.\n\nYep. Yep. That they wouldn't have to. Yeah. But it would also it would also cover that would then cover because pretty much her wage goes to school fees, I guess.\n\nAnd you put it like that, so it would be able to cover her past the school fees. Yeah. I think so. Yep. How how does the loss how does the loss of income work?\n\nLike, if I hurt myself today at work, what would happen and I couldn't work? Yeah. No. It's good. Yeah.\n\nWoah. That's disgusting, ain't it? Yeah. Correct. Yeah.\n\nYes. Alright. Yep. Yeah. Yeah.\n\nYeah. That's right. Yeah. It's just not no. There wouldn't be there's not a lot really I could sell off.\n\nYou know? I don't it'd be the cars maybe and mainly just the tools. Like, I don't have any plan. Mhmm. Yeah.\n\nAnd it's not like you could sell the business because it's more Yeah. I don't know, man. Yeah. Twenty years. Yeah.\n\nYeah. Yeah. Well, if I could never work again, it'd have to be that twenty years, wouldn't it? Yeah. What's that?\n\nThree point something million dollars. Yeah. Yeah. Yeah. So it's possibly.\n\nYeah. Possibly. That's because it's that's only getting paid out if I die, isn't it? Oh, no. Not not yeah.\n\nThe not the TPD. The other one paying out the super, and then she'll get that five years or whatever at a 150,000. That goes to her, doesn't it? Yeah. Yeah.\n\nSo this this other one, how how would how does it work? Sorry. The one you just mentioned. Yeah. Yeah.\n\nThe 20 2%. Yeah. Son yeah. Yeah. That's right.\n\nYeah. That's right. Yeah. Yeah. Do that.\n\nYeah. Oh, I guess I do one and we'll see what the price is, what it's you know? Yeah. Five 100 Yep. Penis.\n\nThat should be right. Yeah. I do that. Also, does it does it cover me for, like say, I snap my leg and I'm off work for, you know, two months. Am I covered for that or not?\n\nIt's like income protection? Yeah. Alright. Good. Oh, no.\n\nNo. It's at at this stage, it's it should yeah. Should. Yeah. Hello?\n\nYeah. Yeah. 3.5. 2.5. It has to be 7, maybe a month.\n\nYeah. Yeah. Yeah. No. Just got 7.\n\nYeah. He's good at that. Think we better go. Yep. Okay.\n\nI'm gonna go and pick him up. Are you gonna stay down there? Yes. Is that alright? Okay.\n\nDon't leave me. Yep. Yeah. Sorry. Bitch is trying to spindle me into something.\n\nYeah. Yeah. Yeah. That's right. No.\n\nI think thirty days is appropriate. Two two years would be fine, I think. Yeah. Yes. Oh, yeah.\n\nOkay. Yep. Yep. What whatever we can do to get that 7,000 dollars a year down on $9,000, I think it is, which how long have I been with you? Three, four years.\n\nYeah. So that's possibly 50,000 dollars, Yeah. Yeah. Yeah. Like I said, I've been getting smashed with them.\n\nThey ring me all the time. Yeah. Yeah. A 100%. Yep.\n\nYeah. No. I do it including. Yeah. If we can get that yeah.\n\nAnd we can get that price pin a bit. Yes. I'm happy with that at the moment. I'm happy. So the main ones were the if I did hurt myself today, I'm off for two months, am I covered?\n\nAnd yeah. That was the only question I had. Yes. Yep. 30 days.\n\nYep. Alright. Yep. Sorry, sir. Yeah.\n\nYep. Yeah. Okay. Perfect. Thank you.\n\nYes. I'm sorry. Oh, good. Yes. That's right.\n\nYep. Appreciate it. Yep. Yep. Oh, that'd be great.\n\nYeah. That'd be great. 100%. Yep. Last Yeah.\n\nYeah. I don't, and we need to because I lost my parents, what, less than twelve months ago, but I lost them both in the same year on the exact same cancer. So and then I've been saying, oh, we need to get a will. We need to get a will, but we haven't done anything yet. Yeah.\n\nIt's better. Yeah. Yep. Alright. Yeah.\n\nYeah. 100 percent. Yeah. If you could, please. Yep.\n\nWhat is it? Sorry. Oh, my car. Oh, I don't know what even what the depreciation value. It's got 58,000 k's on it.\n\nYeah. It's hopefully around that. If not, yeah. Like, surely, I'd get the same for that. I got two cars.\n\nSo I've got that car, and I've got a 300 series Land Cruiser. Yeah. It's only 2 what's it? Two years old, I guess. So I should still be able to get $8,090,000 for it.\n\n80 something thousand for it. 90. I don't know if I hate cars. What's that? Sorry.\n\nYeah. I'm pretty sure it gets paid out. Oh, I don't know. In a few months. But I don't know.\n\nI just put 15 on it. But yeah. Yeah. And Yeah. We do.\n\nI think it is 40. Yeah. Just it probably it's probably a lot more. I wouldn't even know. So yeah.\n\nWhat did you say? 25? Yeah. 25 wouldn't go real far, but it's probably close to the $35.40 mark, realistically. Just a caravan.\n\n25. Yeah. No. No. At this stage, just do that.\n\nYeah. What's con what do you mean by contribution? Sorry. Oh, yeah. No.\n\nLet's do that in about six months if we can. Sorry. Yeah. Yeah. I'm yeah.\n\nNo. Appreciate it. Latoya, l a t o y a. Nah. G s c h u l g a.\n\nYeah. It's 0438 432 840. Yep. Perfect. Oh, if it if it was to drop, did you say?\n\nIf it if it I don't know. I guess if it I don't know. You'd like to say, oh, you'd like to throw some money in it after we catch it on the way up. Yeah. I guess so.\n\nI don't know. I'm not getting any younger. Yeah. Yeah. Yeah.\n\nThat's right. Yeah. Alright. Thanks. Yeah.\n\nI don't know. I don't mind being at the high risk to get the rewards, I guess. I don't know. What do you think? Yeah.\n\nYeah. Drop it down. Yeah. Okay. Can you hang up for me?\n\nBye. Oh, a bit of price of the bottom ones. Cautious, anxious. Anytime. Yeah.\n\nSorry. Can you say that again? What was that? Really? I only have a property, I guess, but I have been thinking about maybe putting 20 into Bitcoin or something, you know, see how that was today.\n\nBut did you say do anything today, do you? Yeah. Do you advise against it? Alright. Alright.\n\nWhat what are some of them? I would probably I think they've got a property if I could. What what do you need to get started? What sort of figure? And is that is that borrowed through sofa or not?\n\nYeah. Yeah. Definitely. Hopefully, everything overseas and stuff that went down here. Okay.\n\nYeah. Yeah. Okay. Can we do it can we do it Thursday? I just got a crazy start of the week.\n\nSo Thursday would probably be better at about I gotta pick the kids up on Thursday. So three three quarter past three would be good. Yeah. Yeah. Wonderful.\n\nThat's great. Thank you. You too. Thank you. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.027143225073814392},{"text":"Yeah.","start":5.3599997,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.1426028460264206},{"text":"Thank you.","start":5.8399997,"end":6.56,"sentiment":"positive","sentiment_score":0.3700931519269943},{"text":"Sorry about that.","start":6.56,"end":7.7799997,"sentiment":"neutral","sentiment_score":-0.06065945948163668},{"text":"Yeah.","start":12.4,"end":12.88,"sentiment":"neutral","sentiment_score":0.07558704167604446}],"sentiment":"neutral","sentiment_score":0.10044262977316976,"num_words":8,"start":1.1999999,"end":12.88},{"sentences":[{"text":"I think so.","start":12.88,"end":13.86,"sentiment":"neutral","sentiment_score":0.10478421300649643},{"text":"The moment's not doing real well, but I'm just waiting for a call where we all have to race up 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finish.","start":30.529999,"end":31.25,"sentiment":"neutral","sentiment_score":0.03977132774889469},{"text":"Yeah.","start":31.25,"end":31.75,"sentiment":"neutral","sentiment_score":0.23463216423988345},{"text":"Yes.","start":47.225,"end":47.725,"sentiment":"neutral","sentiment_score":0.0675537958741188},{"text":"Yeah.","start":58.12,"end":58.62,"sentiment":"neutral","sentiment_score":0.013542473316192629}],"sentiment":"neutral","sentiment_score":0.0007088188495900929,"num_words":9,"start":28.849998,"end":58.62},{"sentences":[{"text":"100%.","start":58.92,"end":59.739998,"sentiment":"neutral","sentiment_score":0.029672764241695404},{"text":"Yeah.","start":61.239998,"end":61.739998,"sentiment":"neutral","sentiment_score":-0.002023782581090927},{"text":"No.","start":72.674995,"end":73.174995,"sentiment":"neutral","sentiment_score":-0.11464014649391174},{"text":"I'm a hundred I'm hundred and eighty three centimeters, And I'm about I've been we're on a oh, some stupid dive she's got me on, but I'm probably about ninety eight.","start":76.674995,"end":97.75,"sentiment":"neutral","sentiment_score":-0.07475322316731176},{"text":"Alright.","start":108.645004,"end":109.045,"sentiment":"neutral","sentiment_score":0.03128461539745331}],"sentiment":"neutral","sentiment_score":-0.06780161336064339,"num_words":35,"start":58.92,"end":109.045},{"sentences":[{"text":"What was my what was my weight?","start":109.045,"end":110.905,"sentiment":"neutral","sentiment_score":0.0015864548539476736},{"text":"Alright.","start":113.14,"end":113.64,"sentiment":"neutral","sentiment_score":0.057424433529376984},{"text":"Yeah.","start":114.5,"end":115.0,"sentiment":"neutral","sentiment_score":0.1343926340341568},{"text":"Alright.","start":123.78,"end":124.28,"sentiment":"neutral","sentiment_score":0.2074363678693771},{"text":"We probably we've she's got me on that bloody EBT challenge, whatever it is.","start":132.425,"end":138.265,"sentiment":"neutral","sentiment_score":0.006122693419456482}],"sentiment":"neutral","sentiment_score":0.020669846970122308,"num_words":24,"start":109.045,"end":138.265},{"sentences":[{"text":"EBT.","start":138.265,"end":138.765,"sentiment":"neutral","sentiment_score":0.0034259003587067127},{"text":"It's Something she's I don't know where she found it, but I think we did we started it on doing an eight week challenge.","start":138.905,"end":147.05,"sentiment":"neutral","sentiment_score":-0.010181350529213281},{"text":"Must have been would've maybe been this time last year, I guess.","start":147.51001,"end":152.81001,"sentiment":"neutral","sentiment_score":-0.03167866977552573},{"text":"Yeah.","start":154.285,"end":154.785,"sentiment":"neutral","sentiment_score":0.13863925635814667},{"text":"I think I got up to about a hundred and fourteen kilos, so we have to do 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that?","start":586.13995,"end":586.69995,"sentiment":"neutral","sentiment_score":-0.05984778329730034}],"sentiment":"neutral","sentiment_score":-0.18426875299995854,"num_words":21,"start":561.19,"end":586.69995},{"sentences":[{"text":"Three point something million dollars.","start":586.69995,"end":588.56,"sentiment":"neutral","sentiment_score":-0.1491991549730301},{"text":"Yeah.","start":592.3,"end":592.8,"sentiment":"neutral","sentiment_score":-0.1311793327331543},{"text":"Yeah.","start":593.66,"end":594.16,"sentiment":"neutral","sentiment_score":-0.0740383043885231},{"text":"Yeah.","start":613.75995,"end":614.25995,"sentiment":"neutral","sentiment_score":-0.017548780888319016},{"text":"So it's 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it.","start":1395.495,"end":1398.855,"sentiment":"neutral","sentiment_score":0.042520249262452126}],"sentiment":"neutral","sentiment_score":0.03391652284190059,"num_words":35,"start":1376.925,"end":1398.855},{"sentences":[{"text":"80 something thousand for it.","start":1398.855,"end":1400.4551,"sentiment":"neutral","sentiment_score":0.00886253109201789},{"text":"90.","start":1400.4551,"end":1400.9551,"sentiment":"neutral","sentiment_score":0.01986294612288475},{"text":"I don't know if I hate cars.","start":1401.0684,"end":1403.5951,"sentiment":"neutral","sentiment_score":-0.05259567978126662},{"text":"What's that?","start":1404.855,"end":1405.3351,"sentiment":"neutral","sentiment_score":-0.007881973404437305},{"text":"Sorry.","start":1405.3351,"end":1405.8351,"sentiment":"neutral","sentiment_score":-0.11983694136142732}],"sentiment":"neutral","sentiment_score":-0.02747469031601213,"num_words":16,"start":1398.855,"end":1405.8351},{"sentences":[{"text":"Yeah.","start":1414.0199,"end":1414.5199,"sentiment":"neutral","sentiment_score":-0.05623500421643257},{"text":"I'm pretty sure it gets paid out.","start":1414.58,"end":1416.5199,"sentiment":"neutral","sentiment_score":-0.07310166209936142},{"text":"Oh, I don't know.","start":1419.405,"end":1420.365,"sentiment":"neutral","sentiment_score":-0.0735371420159936},{"text":"In a few months.","start":1420.365,"end":1421.425,"sentiment":"neutral","sentiment_score":-0.07134765386581421},{"text":"But I don't know.","start":1421.645,"end":1422.525,"sentiment":"neutral","sentiment_score":-0.06030591111630201}],"sentiment":"neutral","sentiment_score":-0.06943547334522009,"num_words":20,"start":1414.0199,"end":1422.525},{"sentences":[{"text":"I just put 15 on it.","start":1422.525,"end":1424.9451,"sentiment":"neutral","sentiment_score":-0.04751750143865744},{"text":"But yeah.","start":1426.045,"end":1426.785,"sentiment":"neutral","sentiment_score":0.03159734886139631},{"text":"Yeah.","start":1431.7251,"end":1432.2251,"sentiment":"neutral","sentiment_score":0.0699039101600647},{"text":"And Yeah.","start":1435.3899,"end":1440.5099,"sentiment":"neutral","sentiment_score":0.18466453813016415},{"text":"We do.","start":1440.5099,"end":1441.25,"sentiment":"neutral","sentiment_score":0.03160571679472923}],"sentiment":"neutral","sentiment_score":0.021579546853899956,"num_words":13,"start":1422.525,"end":1441.25},{"sentences":[{"text":"I think it is 40.","start":1446.19,"end":1447.57,"sentiment":"neutral","sentiment_score":-0.0006307553499937058},{"text":"Yeah.","start":1449.545,"end":1450.045,"sentiment":"neutral","sentiment_score":0.11465391516685486},{"text":"Just it probably it's probably a lot more.","start":1467.83,"end":1471.19,"sentiment":"neutral","sentiment_score":-0.20756199769675732},{"text":"I wouldn't even know.","start":1471.19,"end":1472.23,"sentiment":"neutral","sentiment_score":-0.16005323268473148},{"text":"So yeah.","start":1472.23,"end":1476.95,"sentiment":"neutral","sentiment_score":0.007232690695673227}],"sentiment":"neutral","sentiment_score":-0.10873716962523758,"num_words":20,"start":1446.19,"end":1476.95},{"sentences":[{"text":"What did you say?","start":1476.95,"end":1477.83,"sentiment":"neutral","sentiment_score":-0.004163252539001405},{"text":"25?","start":1477.83,"end":1478.73,"sentiment":"neutral","sentiment_score":-0.0021669059060513973},{"text":"Yeah.","start":1480.605,"end":1481.105,"sentiment":"neutral","sentiment_score":-0.0030879098922014236},{"text":"25 wouldn't go real far, but it's probably close to the $35.40 mark, realistically.","start":1482.525,"end":1492.865,"sentiment":"neutral","sentiment_score":-0.04553586710244417},{"text":"Just a caravan.","start":1504.09,"end":1505.1499,"sentiment":"neutral","sentiment_score":0.05080677568912506}],"sentiment":"neutral","sentiment_score":-0.022043027753091377,"num_words":23,"start":1476.95,"end":1505.1499},{"sentences":[{"text":"25.","start":1510.125,"end":1510.9451,"sentiment":"neutral","sentiment_score":0.01446838676929474},{"text":"Yeah.","start":1515.165,"end":1515.3251,"sentiment":"neutral","sentiment_score":0.009552070870995522},{"text":"No.","start":1515.3251,"end":1515.8251,"sentiment":"neutral","sentiment_score":-0.06282839179039001},{"text":"No.","start":1516.045,"end":1516.545,"sentiment":"neutral","sentiment_score":-0.07922825962305069},{"text":"At this stage, just do that.","start":1531.51,"end":1533.61,"sentiment":"neutral","sentiment_score":-0.012353197826693455}],"sentiment":"neutral","sentiment_score":-0.019215538073331116,"num_words":10,"start":1510.125,"end":1533.61},{"sentences":[{"text":"Yeah.","start":1535.005,"end":1535.505,"sentiment":"neutral","sentiment_score":0.06692104786634445},{"text":"What's con what do you mean by contribution?","start":1541.405,"end":1543.345,"sentiment":"neutral","sentiment_score":-0.05556387593969703},{"text":"Sorry.","start":1543.5651,"end":1544.0651,"sentiment":"neutral","sentiment_score":-0.06475701183080673},{"text":"Oh, yeah.","start":1544.765,"end":1545.245,"sentiment":"neutral","sentiment_score":-0.04883783310651779},{"text":"No.","start":1545.245,"end":1545.5651,"sentiment":"neutral","sentiment_score":-0.0940336138010025}],"sentiment":"neutral","sentiment_score":-0.048773557807390504,"num_words":13,"start":1535.005,"end":1545.5651},{"sentences":[{"text":"Let's do that in about six months if we can.","start":1545.5651,"end":1547.885,"sentiment":"neutral","sentiment_score":-0.0832539178431034},{"text":"Sorry.","start":1547.885,"end":1548.385,"sentiment":"neutral","sentiment_score":-0.07573661208152771},{"text":"Yeah.","start":1549.24,"end":1549.74,"sentiment":"neutral","sentiment_score":0.06168924644589424},{"text":"Yeah.","start":1552.0399,"end":1552.44,"sentiment":"neutral","sentiment_score":0.06890703737735748},{"text":"I'm yeah.","start":1552.44,"end":1554.12,"sentiment":"neutral","sentiment_score":0.083917997777462}],"sentiment":"neutral","sentiment_score":-0.040656234075625734,"num_words":15,"start":1545.5651,"end":1554.12},{"sentences":[{"text":"No.","start":1554.12,"end":1554.36,"sentiment":"neutral","sentiment_score":0.09293970465660097},{"text":"Appreciate it.","start":1554.36,"end":1555.4199,"sentiment":"neutral","sentiment_score":0.3009933978319168},{"text":"Latoya, l a t o y a.","start":1561.9349,"end":1564.4349,"sentiment":"neutral","sentiment_score":0.020796305100832666},{"text":"Nah.","start":1567.695,"end":1568.195,"sentiment":"neutral","sentiment_score":-0.0015168478712439537},{"text":"G s c h u l g a.","start":1568.495,"end":1573.47,"sentiment":"neutral","sentiment_score":0.007701916474616155}],"sentiment":"neutral","sentiment_score":0.047399953681681505,"num_words":19,"start":1554.12,"end":1573.47},{"sentences":[{"text":"Yeah.","start":1577.47,"end":1577.71,"sentiment":"neutral","sentiment_score":0.0264531672000885},{"text":"It's 0438 432 840.","start":1577.71,"end":1584.21,"sentiment":"neutral","sentiment_score":0.02087847702205181},{"text":"Yep.","start":1588.505,"end":1588.745,"sentiment":"neutral","sentiment_score":0.3275708258152008},{"text":"Perfect.","start":1588.745,"end":1589.245,"sentiment":"positive","sentiment_score":0.5432885885238647},{"text":"Oh, if it if it was to drop, did you say?","start":1625.99,"end":1629.4501,"sentiment":"neutral","sentiment_score":-0.09350226006724617}],"sentiment":"neutral","sentiment_score":-0.00264990950624148,"num_words":18,"start":1577.47,"end":1629.4501},{"sentences":[{"text":"If it if it I don't know.","start":1629.91,"end":1632.0701,"sentiment":"neutral","sentiment_score":-0.10809331174407687},{"text":"I guess if it I don't know.","start":1632.0701,"end":1636.4701,"sentiment":"neutral","sentiment_score":-0.15280453860759735},{"text":"You'd like to say, oh, you'd like to throw some money in it after we catch it on the way up.","start":1636.4701,"end":1640.9701,"sentiment":"neutral","sentiment_score":-0.11596141932975679},{"text":"Yeah.","start":1643.645,"end":1644.145,"sentiment":"neutral","sentiment_score":-0.03873224928975105},{"text":"I guess so.","start":1644.2051,"end":1645.085,"sentiment":"neutral","sentiment_score":-0.07974687963724136}],"sentiment":"neutral","sentiment_score":-0.11639609350225864,"num_words":39,"start":1629.91,"end":1645.085},{"sentences":[{"text":"I don't know.","start":1645.085,"end":1646.0651,"sentiment":"neutral","sentiment_score":-0.12169894327720006},{"text":"I'm not getting any younger.","start":1646.525,"end":1647.985,"sentiment":"negative","sentiment_score":-0.37508633732795715},{"text":"Yeah.","start":1663.6699,"end":1664.1699,"sentiment":"neutral","sentiment_score":-0.0802297592163086},{"text":"Yeah.","start":1671.83,"end":1672.33,"sentiment":"neutral","sentiment_score":-0.18237587809562683},{"text":"Yeah.","start":1673.965,"end":1674.285,"sentiment":"neutral","sentiment_score":-0.13045604526996613}],"sentiment":"neutral","sentiment_score":-0.23941729082302612,"num_words":11,"start":1645.085,"end":1674.285},{"sentences":[{"text":"That's right.","start":1674.285,"end":1675.1849,"sentiment":"neutral","sentiment_score":-0.18155694007873535},{"text":"Yeah.","start":1685.19,"end":1685.69,"sentiment":"neutral","sentiment_score":-0.04690804332494736},{"text":"Alright.","start":1693.03,"end":1693.35,"sentiment":"neutral","sentiment_score":0.11111781001091003},{"text":"Thanks.","start":1693.35,"end":1693.85,"sentiment":"neutral","sentiment_score":0.2681710720062256},{"text":"Yeah.","start":1696.5499,"end":1697.0499,"sentiment":"neutral","sentiment_score":0.15126818418502808}],"sentiment":"neutral","sentiment_score":0.02008919045329094,"num_words":6,"start":1674.285,"end":1697.0499},{"sentences":[{"text":"I don't know.","start":1716.64,"end":1717.62,"sentiment":"neutral","sentiment_score":-0.1455815980831782},{"text":"I don't mind being at the high risk to get the rewards, I guess.","start":1719.76,"end":1723.92,"sentiment":"neutral","sentiment_score":-0.1108584286911147},{"text":"I don't know.","start":1723.92,"end":1724.4801,"sentiment":"neutral","sentiment_score":-0.09456539899110794},{"text":"What do you think?","start":1724.4801,"end":1725.4601,"sentiment":"neutral","sentiment_score":-0.0700448015704751},{"text":"Yeah.","start":1729.695,"end":1730.195,"sentiment":"neutral","sentiment_score":-0.022825684398412704}],"sentiment":"neutral","sentiment_score":-0.10301855534315109,"num_words":25,"start":1716.64,"end":1730.195},{"sentences":[{"text":"Yeah.","start":1731.5349,"end":1732.0349,"sentiment":"neutral","sentiment_score":-0.041386500000953674},{"text":"Drop it down.","start":1742.7899,"end":1743.77,"sentiment":"neutral","sentiment_score":-0.12343494842449824},{"text":"Yeah.","start":1745.19,"end":1745.69,"sentiment":"neutral","sentiment_score":0.06290771067142487},{"text":"Okay.","start":1752.71,"end":1753.21,"sentiment":"neutral","sentiment_score":0.004055481404066086},{"text":"Can you hang up for me?","start":1753.91,"end":1755.45,"sentiment":"neutral","sentiment_score":-0.11593633828063805}],"sentiment":"neutral","sentiment_score":-0.08669551524023215,"num_words":12,"start":1731.5349,"end":1755.45},{"sentences":[{"text":"Bye.","start":1756.47,"end":1756.935,"sentiment":"neutral","sentiment_score":-0.0027485217433422804},{"text":"Oh, a bit of price of the bottom ones.","start":1786.605,"end":1791.825,"sentiment":"neutral","sentiment_score":-0.13806117408805424},{"text":"Cautious, anxious.","start":1791.885,"end":1793.025,"sentiment":"neutral","sentiment_score":-0.12768324464559555},{"text":"Anytime.","start":1803.64,"end":1804.14,"sentiment":"neutral","sentiment_score":0.06823104619979858},{"text":"Yeah.","start":1806.28,"end":1806.78,"sentiment":"neutral","sentiment_score":-0.04793788492679596}],"sentiment":"neutral","sentiment_score":-0.10574088689671564,"num_words":14,"start":1756.47,"end":1806.78},{"sentences":[{"text":"Sorry.","start":1811.72,"end":1812.12,"sentiment":"neutral","sentiment_score":-0.18578431010246277},{"text":"Can you say that again?","start":1812.12,"end":1813.0,"sentiment":"neutral","sentiment_score":-0.2106708288192749},{"text":"What was that?","start":1813.0,"end":1813.82,"sentiment":"neutral","sentiment_score":-0.1424634059270223},{"text":"Really?","start":1825.6849,"end":1826.1849,"sentiment":"neutral","sentiment_score":-0.03833620250225067},{"text":"I only have a property, I guess, but I have been thinking about maybe putting 20 into Bitcoin or something, you know, see how that was today.","start":1826.565,"end":1838.79,"sentiment":"neutral","sentiment_score":0.05103725864103547}],"sentiment":"neutral","sentiment_score":-0.008834024085789113,"num_words":37,"start":1811.72,"end":1838.79},{"sentences":[{"text":"But did you say do anything today, do you?","start":1838.79,"end":1841.6901,"sentiment":"neutral","sentiment_score":0.008370195411973529},{"text":"Yeah.","start":1856.1951,"end":1856.6951,"sentiment":"negative","sentiment_score":-0.44545280933380127},{"text":"Do you advise against it?","start":1865.3999,"end":1867.0199,"sentiment":"negative","sentiment_score":-0.37585716843605044},{"text":"Alright.","start":1889.8,"end":1890.3,"sentiment":"neutral","sentiment_score":0.15488958358764648},{"text":"Alright.","start":1894.3601,"end":1894.8601,"sentiment":"neutral","sentiment_score":0.10629791021347046}],"sentiment":"neutral","sentiment_score":-0.11695408229442204,"num_words":17,"start":1838.79,"end":1894.8601},{"sentences":[{"text":"What what are some of them?","start":1895.56,"end":1897.66,"sentiment":"neutral","sentiment_score":0.06663555776079495},{"text":"I would probably I think they've got a property if I could.","start":1918.0,"end":1923.46,"sentiment":"neutral","sentiment_score":0.09392234683036804},{"text":"What what do you need to get started?","start":1924.08,"end":1926.1,"sentiment":"neutral","sentiment_score":0.019185685785487294},{"text":"What sort of figure?","start":1926.8,"end":1928.02,"sentiment":"neutral","sentiment_score":0.014376953709870577},{"text":"And is that is that borrowed through sofa or not?","start":1946.36,"end":1951.1001,"sentiment":"neutral","sentiment_score":-0.00762926759198308}],"sentiment":"neutral","sentiment_score":0.0415395533433184,"num_words":40,"start":1895.56,"end":1951.1001},{"sentences":[{"text":"Yeah.","start":2000.72,"end":2001.0399,"sentiment":"neutral","sentiment_score":0.08146829903125763},{"text":"Yeah.","start":2001.0399,"end":2001.44,"sentiment":"neutral","sentiment_score":0.14279145002365112},{"text":"Definitely.","start":2001.44,"end":2001.94,"sentiment":"neutral","sentiment_score":0.2534848749637604},{"text":"Hopefully, everything overseas and stuff that went down here.","start":2002.48,"end":2005.94,"sentiment":"neutral","sentiment_score":0.29111604226960075},{"text":"Okay.","start":2030.91,"end":2031.41,"sentiment":"neutral","sentiment_score":0.035111237317323685}],"sentiment":"neutral","sentiment_score":0.24099232628941536,"num_words":13,"start":2000.72,"end":2031.41},{"sentences":[{"text":"Yeah.","start":2031.87,"end":2032.37,"sentiment":"neutral","sentiment_score":0.07074226438999176},{"text":"Yeah.","start":2039.87,"end":2040.03,"sentiment":"neutral","sentiment_score":0.06966474652290344},{"text":"Okay.","start":2040.03,"end":2040.53,"sentiment":"neutral","sentiment_score":0.06881177425384521},{"text":"Can we do it can we do it Thursday?","start":2051.2449,"end":2056.01,"sentiment":"neutral","sentiment_score":0.029827100742194388},{"text":"I just got a crazy start of the week.","start":2056.07,"end":2061.53,"sentiment":"neutral","sentiment_score":-0.09496259440978368}],"sentiment":"neutral","sentiment_score":-0.017952412278169676,"num_words":21,"start":2031.87,"end":2061.53},{"sentences":[{"text":"So Thursday would probably be better at about I gotta pick the kids up on Thursday.","start":2062.07,"end":2068.09,"sentiment":"neutral","sentiment_score":0.04538188315927982},{"text":"So three three quarter past three would be good.","start":2068.31,"end":2072.2249,"sentiment":"neutral","sentiment_score":0.11171659578879674},{"text":"Yeah.","start":2074.765,"end":2075.265,"sentiment":"neutral","sentiment_score":0.0719531923532486},{"text":"Yeah.","start":2075.805,"end":2076.305,"sentiment":"neutral","sentiment_score":0.09216611087322236},{"text":"Wonderful.","start":2091.62,"end":2092.12,"sentiment":"positive","sentiment_score":0.742214560508728}],"sentiment":"neutral","sentiment_score":0.0942104770136731,"num_words":28,"start":2062.07,"end":2092.12},{"sentences":[{"text":"That's great.","start":2107.075,"end":2107.795,"sentiment":"positive","sentiment_score":0.7449632585048676},{"text":"Thank you.","start":2107.795,"end":2108.535,"sentiment":"positive","sentiment_score":0.7608031630516052},{"text":"You too.","start":2116.489,"end":2117.129,"sentiment":"positive","sentiment_score":0.4462120234966278},{"text":"Thank you.","start":2117.129,"end":2117.869,"sentiment":"positive","sentiment_score":0.6415709555149078},{"text":"See you later.","start":2119.2039,"end":2121.609,"sentiment":"positive","sentiment_score":0.3508649567763011}],"sentiment":"positive","sentiment_score":0.5672448792240836,"num_words":11,"start":2107.075,"end":2121.609},{"sentences":[{"text":"Bye.","start":2121.609,"end":2122.109,"sentiment":"neutral","sentiment_score":0.17118757963180542}],"sentiment":"neutral","sentiment_score":0.17118757963180542,"num_words":1,"start":2121.609,"end":2122.109}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Hey. This is Dana again. Is now okay to give you a\n\nChannel 1: Yeah.\n\nChannel 0: callback?\n\nChannel 1: Thank you. Sorry\n\nChannel 0: Yeah.\n\nChannel 1: about\n\nChannel 0: That's,\n\nChannel 1: that.\n\nChannel 0: like no. You're absolutely fine. Is everything okay?\n\nChannel 1: Yeah. I think so. The moment's\n\nChannel 0: Yeah.\n\nChannel 1: not doing real well, but I'm\n\nChannel 0: Oh,\n\nChannel 1: just\n\nChannel 0: I'm\n\nChannel 1: waiting\n\nChannel 0: so\n\nChannel 1: for\n\nChannel 0: sorry.\n\nChannel 1: a call where we all have to race up there. You know?\n\nChannel 0: Yeah. Okay. Understandable.\n\nChannel 1: Yeah.\n\nChannel 0: No. Honestly, did you wanna finish your annual review now, or did you want me to sort of push it back to another time where you've got a little\n\nChannel 1: No.\n\nChannel 0: bit more\n\nChannel 1: Let's\n\nChannel 0: time\n\nChannel 1: finish\n\nChannel 0: ahead\n\nChannel 1: it\n\nChannel 0: of\n\nChannel 1: now.\n\nChannel 0: you? It's\n\nChannel 1: Let's\n\nChannel 0: okay?\n\nChannel 1: finish.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. I whilst I was on whilst you're making that call, I was able to kinda go back and have a look at your original application for insurances because, I mean, as I sort of looked at beforehand, I'd like to be able to maybe try to reduce the cost a little bit for you\n\nChannel 1: Yes.\n\nChannel 0: and sort of see where we are. Having a look at increasing or altering the nearest policy does make it a lot more expensive. So I'd like to maybe go back and look at any other providers and sort of see\n\nChannel 1: Yeah.\n\nChannel 0: what what other\n\nChannel 1: 100%.\n\nChannel 0: cover might be offered here.\n\nChannel 1: Yeah.\n\nChannel 0: The only thing I just wanted to double check was one of the things that does factor in is, obviously, your BMI. There's nothing else in your application that really flags as being any major changes to your health at all. Do\n\nChannel 1: No.\n\nChannel 0: you know what your height and weight is currently? Or\n\nChannel 1: I'm a hundred I'm hundred and eighty three centimeters,\n\nChannel 0: yep.\n\nChannel 1: And I'm about I've been we're on a oh, some stupid dive she's got me on, but\n\nChannel 0: Yep.\n\nChannel 1: I'm probably about ninety eight.\n\nChannel 0: Okay. Beautiful. So one of the things we did had noted in your original application was your weight then was about a hundred and eighty two, and we had you at about a hundred and eighty three centimeters there. So\n\nChannel 1: Alright.\n\nChannel 0: you're\n\nChannel 1: What was\n\nChannel 0: being\n\nChannel 1: my what was my weight?\n\nChannel 0: at hundred and two when we did the application\n\nChannel 1: Alright.\n\nChannel 0: originally.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So it has come down a bit since that was placed in force in 2020, which is a good aspect. It does mean that your BMI has reduced. So\n\nChannel 1: Alright.\n\nChannel 0: I'd like to go back and just review. Have you lost a large sum of that weight over the past twelve months, or has it been sort of a longer term drop\n\nChannel 1: We probably\n\nChannel 0: of weight?\n\nChannel 1: we've she's got me on that bloody EBT challenge, whatever it is. EBT. It's\n\nChannel 0: Yeah.\n\nChannel 1: Something\n\nChannel 0: Yeah.\n\nChannel 1: she's I don't know where she found it, but I think we did we started it on doing an eight week challenge. Must have been would've maybe been this time last year, I guess.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. No. That's\n\nChannel 1: I think I\n\nChannel 0: excellent.\n\nChannel 1: got up to about a hundred and fourteen kilos, so\n\nChannel 0: Okay.\n\nChannel 1: we have to\n\nChannel 0: Look.\n\nChannel 1: do something.\n\nChannel 0: She's yeah. She's looking after you. She wants\n\nChannel 1: Yeah.\n\nChannel 0: you around a bit longer.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's excellent. Well, I'll go back and have a bit of a look. When it comes to insurances, do you feel like the level of cover you have with that life and TPD is appropriate? Did you wanna sort of keep that $500,000 mark of life and TPD, or is\n\nChannel 1: If\n\nChannel 0: there\n\nChannel 1: we can\n\nChannel 0: a certain\n\nChannel 1: get it\n\nChannel 0: amount\n\nChannel 1: up higher\n\nChannel 0: that yeah.\n\nChannel 1: for\n\nChannel 0: What\n\nChannel 1: cheaper,\n\nChannel 0: is there\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: would.\n\nChannel 0: yeah. Is there a certain amount that you'd want me to\n\nChannel 1: Yeah.\n\nChannel 0: look at as a goal amount, or is it a certain\n\nChannel 1: What's your\n\nChannel 0: aspect?\n\nChannel 1: life\n\nChannel 0: Did\n\nChannel 1: worth,\n\nChannel 0: you want me to yeah. The\n\nChannel 1: isn't\n\nChannel 0: the other\n\nChannel 1: it?\n\nChannel 0: thing you can look at the other thing you can sorta look at if it helps you is we can look at maybe paying off the mortgage. So you sorta set a a 485,000 for the mortgage, but then how many years worth of replacement income would you wanna factor into that?\n\nChannel 1: Oh, what's sorry. What was that? What what was that one?\n\nChannel 0: Yeah. You you're right. So if we maybe looked at the level of cover for life, and we say paid off the mortgage, that's 485,000 there.\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: But then we also looked at maybe some years worth of income replacement. Would you maybe wanna replace your income based on one year, five years, ten years? What what's important to you? What would you want as a goal for your life cover?\n\nChannel 1: Oh, because who whose income would it be? It'd be then my spouse's\n\nChannel 0: Yours.\n\nChannel 1: income, would it?\n\nChannel 0: It will\n\nChannel 1: Oh,\n\nChannel 0: it's\n\nChannel 1: that's\n\nChannel 0: it's\n\nChannel 1: if\n\nChannel 0: a replacement\n\nChannel 1: I die.\n\nChannel 0: of your income. Yeah. It's kinda right to replace your income in the event that something happens to\n\nChannel 1: Oh,\n\nChannel 0: you. Yeah.\n\nChannel 1: oh, yeah. Five years.\n\nChannel 0: Five years? Yeah. Perfect. And would you like me to base that on, say, 200,000 of income or a 186,000 of income or a 100,000 of income? What kind of income would you want me to base that off?\n\nChannel 1: Just a 100 and no. 120, maybe.\n\nChannel 0: Yeah.\n\nChannel 1: I don't\n\nChannel 0: Yep.\n\nChannel 1: know.\n\nChannel 0: That's okay.\n\nChannel 1: We got a high\n\nChannel 0: The\n\nChannel 1: we got a high needs to order,\n\nChannel 0: yes.\n\nChannel 1: so it's hard with her working full time only because she's always in specialists and physios, and\n\nChannel 0: Yeah.\n\nChannel 1: she's got cerebral palsy. So it's hard.\n\nChannel 0: Yep.\n\nChannel 1: She can only work around, I guess, daughter's needs too. You know?\n\nChannel 0: Yeah. Absolutely. Yep.\n\nChannel 1: Just go one fifty.\n\nChannel 0: That one fifty? Yeah.\n\nChannel 1: That's\n\nChannel 0: Absolutely.\n\nChannel 1: what I'd say.\n\nChannel 0: So I'll look at replacing the so the cost of reducing the mortgage to zero, so 485,000, and then five years worth of income replacement based on an income of a 150,000 that would be suited?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. The other thing\n\nChannel 1: Yep.\n\nChannel 0: to sort of think of is at the moment, you've got the mortgage cost in place there. But if you as sad as this is, and I'm so sorry, but if you were to then pass away and the life insurance paid off the mortgage, that might be 3 or $400 a week that you're currently putting on the mortgage that they wouldn't have to do.\n\nChannel 1: That they\n\nChannel 0: So\n\nChannel 1: wouldn't have\n\nChannel 0: that\n\nChannel 1: to.\n\nChannel 0: would\n\nChannel 1: Yeah. But it\n\nChannel 0: correct.\n\nChannel 1: would also it would also cover that would then cover because pretty much her wage goes to school fees, I guess.\n\nChannel 0: Yep.\n\nChannel 1: And you put\n\nChannel 0: Yep.\n\nChannel 1: it like that, so it would be able to cover her past the school\n\nChannel 0: Yep.\n\nChannel 1: fees.\n\nChannel 0: Absolutely. Perfect. Yeah. So based on a 150 k for income replacement and then reducing the mortgage, that would be okay to look at goal wise for your life cover?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. I'll come\n\nChannel 1: How\n\nChannel 0: back with\n\nChannel 1: how\n\nChannel 0: the advice\n\nChannel 1: does the\n\nChannel 0: and\n\nChannel 1: loss\n\nChannel 0: Sure.\n\nChannel 1: how does the loss of income work? Like, if I hurt myself today at work, what would happen\n\nChannel 0: Mhmm.\n\nChannel 1: and\n\nChannel 0: So\n\nChannel 1: I couldn't\n\nChannel 0: that's that's,\n\nChannel 1: work?\n\nChannel 0: yeah, that's a really good question, and that's the next thing we look at, and that is total permanent disability. So that's if you could never able to get back to work again. Your current sum insured for TPD is 593,000.\n\nChannel 1: Yeah. No.\n\nChannel 0: You also can release your super benefit with a 147 on top of that. So you can just realistically be covered\n\nChannel 1: It's\n\nChannel 0: for\n\nChannel 1: good.\n\nChannel 0: the same amount as your life cover. The thing that I like to point out is that what most people don't realize is that if you are TBD, if you go through TBD and you're under the age of 60, if you then draw all that money out, you actually pay tax on that. The\n\nChannel 1: Yeah.\n\nChannel 0: tax can be up to 22%.\n\nChannel 1: Woah.\n\nChannel 0: If we yeah. I know. If if I was to look at factoring that in at the highest tax rate, now it is up to 22%. So,\n\nChannel 1: That's\n\nChannel 0: essentially,\n\nChannel 1: disgusting, ain't it?\n\nChannel 0: it it honestly is. I think it's horrible. I think the last thing anyone should be doing is taxing a disability\n\nChannel 1: Yeah.\n\nChannel 0: payment if you can't go back to work. That's\n\nChannel 1: Correct.\n\nChannel 0: horrendous.\n\nChannel 1: Yeah.\n\nChannel 0: But I do have to kinda factor it into the equation to sort of show you what the outcome might look like. So if we would've factor that in, if you were to take the 740,000 out, the tax estimated at the highest tax rate at 22% is a 162,964. So you could see it yeah. So you could realistically lose a 162,000 out of that. It is\n\nChannel 1: Yes.\n\nChannel 0: important to note that if you do if you ever were to claim on TBD, having us as your advisers, we will help you with the claim, but then we will also provide advice on how to minimize the tax as much as possible,\n\nChannel 1: Alright.\n\nChannel 0: how\n\nChannel 1: Yep.\n\nChannel 0: to maybe keep as much of that invested and draw an income on a regular basis to keep it working as hard as possible. But when I am talking goal wise, I do like to make sure that I'm factoring that information in because\n\nChannel 1: Yeah.\n\nChannel 0: I have seen a lot of people go through a claim and go, no. I want the money, but then call back and go, hey. But I've been taxed on this. Like, what the hell?\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. That's right.\n\nChannel 0: yeah. Did you want me to sort of if you were unable to go back to work again on a a full time basis like TDD, what sort of happens to the business at this point? Are you able to sell everything off to kinda give you some sort of lump sum buffer?\n\nChannel 1: Yeah. It's just not no. There wouldn't be there's not a lot really I could sell off. You know? I don't it'd be the cars maybe and mainly just the tools.\n\nLike, I don't have any plan.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: Mhmm. Yeah. And it's not like you could sell\n\nChannel 0: Yep.\n\nChannel 1: the business because it's more\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I don't know, man.\n\nChannel 0: No. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. So thinking about TBD wise, if you were to never able not be able to go back to work again on a permanent capacity, Being that you are 44 and, realistically, whilst we can access your super, you have a lot of living to,\n\nChannel 1: Twenty\n\nChannel 0: you know,\n\nChannel 1: years.\n\nChannel 0: to have\n\nChannel 1: Yeah.\n\nChannel 0: twenty years plus.\n\nChannel 1: Yeah.\n\nChannel 0: And then you've got young kids as well and school fees and things like\n\nChannel 1: Yeah.\n\nChannel 0: that. How many years of income replacement would you maybe need to factor into the disability support?\n\nChannel 1: Well, if I could never work again, it'd have to be that twenty years, wouldn't it?\n\nChannel 0: Twenty years? We can look at that for you. It are we basing that on, say, a $150,000 of income or your current income or what's\n\nChannel 1: Yeah. What's that? Three point something million dollars.\n\nChannel 0: yeah. Which could be a very expensive policy. Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: The other thing you could maybe look at is if we maybe looked at reducing, say, you paid out the 485,000 of the mortgage, which obviously leaves a little bit of extra income. And then maybe would you need to live on less on a yearly basis? Would you be comfortable with maybe a 100,000 for the next\n\nChannel 1: Yeah.\n\nChannel 0: five or ten years? Or do you think that not having the mortgage you could realistically\n\nChannel 1: So\n\nChannel 0: if\n\nChannel 1: it's\n\nChannel 0: you weren't\n\nChannel 1: possibly.\n\nChannel 0: working.\n\nChannel 1: Yeah. Possibly.\n\nChannel 0: Yeah.\n\nChannel 1: That's because it's that's only getting paid out if I die, isn't it?\n\nChannel 0: No. The TPD pays\n\nChannel 1: Oh,\n\nChannel 0: or\n\nChannel 1: no.\n\nChannel 0: pays\n\nChannel 1: Not\n\nChannel 0: that\n\nChannel 1: not yeah. The not\n\nChannel 0: sorry.\n\nChannel 1: the TPD. The other one paying\n\nChannel 0: The\n\nChannel 1: out the\n\nChannel 0: life\n\nChannel 1: super,\n\nChannel 0: cover?\n\nChannel 1: and then she'll\n\nChannel 0: Mhmm.\n\nChannel 1: get that five years or whatever at a 150,000.\n\nChannel 0: Yep.\n\nChannel 1: That goes to her, doesn't it?\n\nChannel 0: The death cover. Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely.\n\nChannel 1: Yeah. So\n\nChannel 0: Yep.\n\nChannel 1: this\n\nChannel 0: Yep.\n\nChannel 1: this\n\nChannel 0: With\n\nChannel 1: other one, how how would how does it work? Sorry. The one you\n\nChannel 0: Yep.\n\nChannel 1: just mentioned.\n\nChannel 0: Yeah. That's okay. So TPD pays that either a lump sum benefit or an income stream if you're permanently disabled, so not able to go back to work again ever. You can also have your super released\n\nChannel 1: Yeah.\n\nChannel 0: under that circumstances, but, again, it goes to there are taxation consequences if you're under\n\nChannel 1: Yeah.\n\nChannel 0: the age\n\nChannel 1: The\n\nChannel 0: of\n\nChannel 1: 20\n\nChannel 0: sixty.\n\nChannel 1: 2%. Yeah.\n\nChannel 0: Yeah. If you're over 60, it's completely tax free. So, like, if you're gonna be disabled, we'll try and do it later on this\n\nChannel 1: Son\n\nChannel 0: pack.\n\nChannel 1: yeah. Yeah. That's right.\n\nChannel 0: But, yeah, it's just about trying to find a level cover that you're comfortable with paying for whilst knowing\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: right.\n\nChannel 0: can affect your retirement figure. Did you want\n\nChannel 1: Yeah.\n\nChannel 0: me to look at maybe a million dollars or 1.5, or\n\nChannel 1: Yeah.\n\nChannel 0: did you\n\nChannel 1: Do\n\nChannel 0: just\n\nChannel 1: that.\n\nChannel 0: want to get\n\nChannel 1: Yeah.\n\nChannel 0: what would you like to see? Do you think 1,000,000 even? Or\n\nChannel 1: Oh, I guess I do one and\n\nChannel 0: yeah.\n\nChannel 1: we'll see what the price is, what it's\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: That's\n\nChannel 1: know?\n\nChannel 0: that's\n\nChannel 1: Yeah.\n\nChannel 0: okay. So if if I look at that, just to kinda give you an idea, a million dollars of cover just with your TBD minus the mortgage of 485,000 leaves about 515,000. This is not counting in tax side of things, But then dividing that by a $100,000 a year or even $50,000 a year if you're not working and not having as high an expenditure could last for about ten years of income replacement. Keeping in mind that the more you reduce the mortgage, the more of that insurance provides a greater benefit long term. Does that feel appropriate goals wise, or did\n\nChannel 1: Five\n\nChannel 0: you wanna look at a bit more cover?\n\nChannel 1: 100 Yep. Penis. That should be right.\n\nChannel 0: Yeah. I'll look at a million dollars for you.\n\nChannel 1: Yeah. I do that.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Also,\n\nChannel 0: You can\n\nChannel 1: does it does\n\nChannel 0: Yeah.\n\nChannel 1: it\n\nChannel 0: Of\n\nChannel 1: cover\n\nChannel 0: course.\n\nChannel 1: me for, like say, I snap my leg and I'm off work for, you know, two months. Am I covered\n\nChannel 0: Mhmm.\n\nChannel 1: for that or not?\n\nChannel 0: So not under TBD,\n\nChannel 1: It's like\n\nChannel 0: but you do have\n\nChannel 1: income\n\nChannel 0: income\n\nChannel 1: protection?\n\nChannel 0: protection.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And you do have income protection. So your income protection monthly benefit currently provides a a monthly pretax benefit of 5,091. With that monthly benefit, you're covered for at the moment that was based on your income back when we initially went through the application side of things, and it does\n\nChannel 1: Alright.\n\nChannel 0: increase a little bit over time there. But\n\nChannel 1: Good.\n\nChannel 0: would that you know, it's pretax. You'd probably end up with about, say, roughly 4,600 on a monthly basis. Does that plus your wife's income cover your regular regular expenditure? Would you need to be covered for a bit more income\n\nChannel 1: Oh,\n\nChannel 0: protection\n\nChannel 1: no. No.\n\nChannel 0: wise?\n\nChannel 1: It's at at this stage, it's it should\n\nChannel 0: Mhmm.\n\nChannel 1: yeah. Should.\n\nChannel 0: I mean, if I if I base it on, say, you've mentioned income of about 200\n\nChannel 1: Yeah.\n\nChannel 0: thousand To be covered under income protection, you can be covered for up to 70% of your\n\nChannel 1: Hello?\n\nChannel 0: pre disability income. If I look at, say, 200,000, 70%, it means you would need a monthly benefit of around about $11,006.06\n\nChannel 1: Yeah.\n\nChannel 0: 6. But that obviously income protection is the biggest part of your insurance cost. So you could\n\nChannel 1: Yeah.\n\nChannel 0: look at, you know, the full 70% of your income or 60% of your income, or if you just wanna kinda cover your monthly expenditure and maybe have a certain amount of cover, How much do you feel like you should be covered for?\n\nChannel 1: 3.5. 2.5. It has to be 7, maybe a month.\n\nChannel 0: Yep. 7,000 per month.\n\nChannel 1: Yeah.\n\nChannel 0: So, like, a net 7,000 a month for\n\nChannel 1: Yeah.\n\nChannel 0: after taxes. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Are you comfortable with me just maybe looking at that 7,000 net income protection benefit amount, or did you wanna maybe look at trying to cover yourself for the higher amount? Or did you want me to go back and look at both\n\nChannel 1: No.\n\nChannel 0: and see\n\nChannel 1: Just\n\nChannel 0: what\n\nChannel 1: got\n\nChannel 0: the\n\nChannel 1: 7.\n\nChannel 0: costing is? 7? Yep. Beautiful.\n\nChannel 1: Yeah. He's good at that.\n\nChannel 0: Yep. So I'll look at a net income protection\n\nChannel 1: Think we\n\nChannel 0: monthly\n\nChannel 1: better go.\n\nChannel 0: benefit of 7,000 for you to cover expenditure. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful.\n\nChannel 1: I'm gonna go and pick him up. Are you gonna stay down there? Yes. Is that alright? Okay.\n\nDon't leave me. Yep. Yeah. Sorry.\n\nChannel 0: No. No. You're\n\nChannel 1: Bitch\n\nChannel 0: fine. Not\n\nChannel 1: is trying\n\nChannel 0: a problem\n\nChannel 1: to spindle\n\nChannel 0: at all.\n\nChannel 1: me into something.\n\nChannel 0: Oh, bless our little hearts. With your income protection, you've also got a couple of other things to think about. One of those is a a waiting period for how long you would have to be off work and covering\n\nChannel 1: Yeah.\n\nChannel 0: your own expenditure prior to you making a claim. You currently have thirty days. If you were to extend that out and wait longer, you can make the policy more cheaper, but it's also you know, do you have enough to fall back on? What happens if you're off for thirty days? Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Do you\n\nChannel 1: Yeah.\n\nChannel 0: think\n\nChannel 1: That's\n\nChannel 0: thirty\n\nChannel 1: right.\n\nChannel 0: days is appropriate, or did you wanna look at\n\nChannel 1: No.\n\nChannel 0: something\n\nChannel 1: I think\n\nChannel 0: longer?\n\nChannel 1: thirty\n\nChannel 0: Or\n\nChannel 1: days is appropriate.\n\nChannel 0: yep. Beautiful. And with the benefit period, that's how long you can be on an income protection claim for. You currently have two years. Benefit periods can be two years, five years, or up to age 65.\n\nNotably, the longer you have the benefit period for, the more the insurance is gonna cost, but the longer you can be on a claim for given\n\nChannel 1: Two\n\nChannel 0: the risk\n\nChannel 1: two years\n\nChannel 0: of something\n\nChannel 1: would be\n\nChannel 0: occurring,\n\nChannel 1: fine, I think.\n\nChannel 0: that would be okay. Yep. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. With the life and TPD cover, I can always try and make the cost cheaper, link the policies together. So if I look at a million dollars of life cover as well as PPD and link the policies together, I\n\nChannel 1: Yes.\n\nChannel 0: can try to get, like, a multi policy discount and try to make the insurances cheaper\n\nChannel 1: Oh,\n\nChannel 0: for\n\nChannel 1: yeah.\n\nChannel 0: you.\n\nChannel 1: Okay.\n\nChannel 0: Are you comfortable with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep. What whatever we can do to get that 7,000\n\nChannel 0: Yep.\n\nChannel 1: dollars a year down\n\nChannel 0: Yep.\n\nChannel 1: on $9,000, I think it is, which\n\nChannel 0: Absolutely.\n\nChannel 1: how long have I been with you? Three,\n\nChannel 0: You\n\nChannel 1: four\n\nChannel 0: see,\n\nChannel 1: years.\n\nChannel 0: this, yeah, this policy was put in place in 2020, so it has been in place for a while. And\n\nChannel 1: Yeah.\n\nChannel 0: some of the older\n\nChannel 1: So\n\nChannel 0: policies\n\nChannel 1: that's possibly\n\nChannel 0: do get a lot\n\nChannel 1: 50,000\n\nChannel 0: more expensive.\n\nChannel 1: dollars,\n\nChannel 0: Yeah. Correct. Yeah. So let's definitely let's definitely look at what we can do to make this cheaper. It was the first thing I saw when I looked at your\n\nChannel 1: Yeah.\n\nChannel 0: annual\n\nChannel 1: Yeah.\n\nChannel 0: review documents, and I went, yeah. I think we need to try and do something with this\n\nChannel 1: Yeah.\n\nChannel 0: to make your system work harder. Absolutely.\n\nChannel 1: Like I said, I've been getting smashed with them. They ring me\n\nChannel 0: Yeah.\n\nChannel 1: all the time.\n\nChannel 0: Yeah. No. We'll help you out. That's what you have us\n\nChannel 1: Yeah.\n\nChannel 0: for, so let's let's make it worthwhile for you.\n\nChannel 1: Yeah. A 100%.\n\nChannel 0: Yeah. All good. Now with the life and TBD, I can look at just looking for a million dollars of those covers and then you having your super benefit paid on top of that. Would you\n\nChannel 1: Yep.\n\nChannel 0: like it sort of looked that way, or would you like me to try and reduce the cost by, say, having a million dollars of life and TBD cover then subtracting your super balance away from that to have that included. Do you does that make sense? Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Did what would you sort of prefer? Would you like the million dollars excluding your super balance or including your super\n\nChannel 1: No.\n\nChannel 0: balance?\n\nChannel 1: I do it including.\n\nChannel 0: Including? Yep. So\n\nChannel 1: Yeah.\n\nChannel 0: factor\n\nChannel 1: If we\n\nChannel 0: in\n\nChannel 1: can get\n\nChannel 0: super.\n\nChannel 1: that yeah. And\n\nChannel 0: Yep.\n\nChannel 1: we can get that price pin a bit.\n\nChannel 0: Yeah. Absolutely. Leave that with me. Now there are other types of insurances that you can hold. These are out of pocket.\n\nThere's things like trauma and child trauma. Trauma pays out a lump sum tax free benefit if you, say, have a heart attack, a stroke, get diagnosed with cancer, Parkinson's, MS, and major traumatic conditions. And child\n\nChannel 1: Yes.\n\nChannel 0: trauma pays out a lump sum benefit if one of your children passed away or if they are diagnosed with a major condition as well. Did you wanna look at any additional insurances on top of what you have, or are you happy just with the three that we've kinda gone through?\n\nChannel 1: I'm happy with that at the moment.\n\nChannel 0: Yep. That's absolutely fine. I know I touch in a lot, and it can be quite complex. Do you have any questions or anything that I haven't sorta touched on with the insurances that you might wanna have me\n\nChannel 1: I'm happy.\n\nChannel 0: talk about?\n\nChannel 1: So the main ones were the if I did hurt myself today, I'm off for two months, am\n\nChannel 0: Yep.\n\nChannel 1: I covered? And yeah. That was the only question I had.\n\nChannel 0: Yeah. And the correct answer is yes. You have\n\nChannel 1: Yes.\n\nChannel 0: the income protection benefit\n\nChannel 1: Yep.\n\nChannel 0: there whilst it\n\nChannel 1: 30\n\nChannel 0: is a bit low\n\nChannel 1: days.\n\nChannel 0: at the moment. You just got a thirty day waiting period.\n\nChannel 1: Yep.\n\nChannel 0: What I would suggest is if anything was to happen to you and you are thinking you're gonna be off to that time frame, let us know straight away so we can help you with the claim. We\n\nChannel 1: Alright.\n\nChannel 0: can let the insurer know that you're off work. That way, they\n\nChannel 1: Yep.\n\nChannel 0: can start\n\nChannel 1: Sorry,\n\nChannel 0: the thirty day waiting period,\n\nChannel 1: sir.\n\nChannel 0: get the\n\nChannel 1: Yeah.\n\nChannel 0: claim documents ready. That way,\n\nChannel 1: Yep.\n\nChannel 0: once that thirty day hits, we can process the claim fairly quickly for you. But you have us here to help you facilitate those things.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Okay. Perfect. Thank you.\n\nChannel 0: Yep. That's okay. Fantastic. Well, I've got some work to do there, which is great.\n\nChannel 1: Yes. I'm sorry.\n\nChannel 0: If no. You're no. I love it. Honestly, this is what\n\nChannel 1: Oh,\n\nChannel 0: you have\n\nChannel 1: good.\n\nChannel 0: us for. You you may as well use us. You pay for\n\nChannel 1: Yes.\n\nChannel 0: having an adviser, so use\n\nChannel 1: That's\n\nChannel 0: us to\n\nChannel 1: right.\n\nChannel 0: your full extent. Okay?\n\nChannel 1: Yep. Appreciate\n\nChannel 0: If\n\nChannel 1: it.\n\nChannel 0: if if you're comfortable, I might also just look at your super as well. Since I'm looking\n\nChannel 1: Yep.\n\nChannel 0: at the insurances, I'll go\n\nChannel 1: Yep.\n\nChannel 0: back and review the super. I know we have\n\nChannel 1: Oh,\n\nChannel 0: this\n\nChannel 1: that'd\n\nChannel 0: made\n\nChannel 1: be\n\nChannel 0: a\n\nChannel 1: great.\n\nChannel 0: change on that, but I can review to see if there's a better portfolio, see what's working, and see how I can maximize all of your benefits to get things working harder.\n\nChannel 1: Yeah.\n\nChannel 0: Are\n\nChannel 1: That'd\n\nChannel 0: you happy\n\nChannel 1: be great.\n\nChannel 0: with that? Yep.\n\nChannel 1: 100%.\n\nChannel 0: Beautiful. Excellent.\n\nChannel 1: Yep.\n\nChannel 0: And with your super and your life\n\nChannel 1: Last\n\nChannel 0: cover, just wanted to confirm, beneficiary nomination should be set to have everything paid to your wife. Is that right? Is is that what you're comfortable with? Yes. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: I'll I'll make sure everything is reflective of that. Have you guys got a will and power of attorney set\n\nChannel 1: I\n\nChannel 0: up? Have\n\nChannel 1: don't,\n\nChannel 0: you just talked\n\nChannel 1: and\n\nChannel 0: about that?\n\nChannel 1: we need to because I lost my parents, what,\n\nChannel 0: I'm so sorry.\n\nChannel 1: less than twelve months ago, but I lost them both\n\nChannel 0: Yeah.\n\nChannel 1: in the same year on\n\nChannel 0: Yeah.\n\nChannel 1: the exact same cancer. So\n\nChannel 0: I'm\n\nChannel 1: and then\n\nChannel 0: so\n\nChannel 1: I've\n\nChannel 0: sorry.\n\nChannel 1: been saying, oh, we need to get a will. We need to get a will, but we\n\nChannel 0: Yeah.\n\nChannel 1: haven't done anything yet.\n\nChannel 0: Oh, I'm so sorry to hear that. But, no, absolutely, doing a will is extremely important thinking The services of a solicitor to do so, you also do can do a will kit at the post office, so they are more contestable.\n\nChannel 1: Yeah.\n\nChannel 0: So, realistically, having a solicitor do that and paying some extra money to have it set\n\nChannel 1: It's\n\nChannel 0: up\n\nChannel 1: better.\n\nChannel 0: correctly is met in your benefit. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: We\n\nChannel 1: Yep.\n\nChannel 0: can always just send you a referral, not so much a referral email, but just an email in relation to some a local solicitor within Queensland that we can always\n\nChannel 1: Alright.\n\nChannel 0: provide details on if you'd like to just to look at the costing and just to start the conversation. Would you\n\nChannel 1: Yeah.\n\nChannel 0: like\n\nChannel 1: Yeah.\n\nChannel 0: me to\n\nChannel 1: 100\n\nChannel 0: generate\n\nChannel 1: percent.\n\nChannel 0: that for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: If you could, please.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: We'll get that email out to you. Not a problem at all. And then just to update a few other details for you, your car that we have on file, you had a value on that last year of 35,000. Would you value that the same, do you think? Or\n\nChannel 1: What is it? Sorry.\n\nChannel 0: your car.\n\nChannel 1: Oh, my car. Oh,\n\nChannel 0: Yeah.\n\nChannel 1: I don't know what even what the depreciation value. It's got 58,000\n\nChannel 0: That's okay.\n\nChannel 1: k's on it.\n\nChannel 0: If you had to sell that, what what value is it to you? What would you sell it for?\n\nChannel 1: Yeah. It's hopefully around that. If not, yeah.\n\nChannel 0: Yep.\n\nChannel 1: Like, surely,\n\nChannel 0: Yep.\n\nChannel 1: I'd get the same for that.\n\nChannel 0: Yeah.\n\nChannel 1: I got\n\nChannel 0: That's\n\nChannel 1: two\n\nChannel 0: okay.\n\nChannel 1: cars. So I've got that car, and I've got a 300 series Land Cruiser.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: So what's the value would you put on the Land Cruiser, do you think?\n\nChannel 1: It's only 2 what's it? Two years old, I guess. So I should still be able to get $8,090,000 for it. 80 something\n\nChannel 0: Okay.\n\nChannel 1: thousand for it. 90.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Beautiful.\n\nChannel 1: don't\n\nChannel 0: And\n\nChannel 1: know\n\nChannel 0: with\n\nChannel 1: if\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: other\n\nChannel 1: hate cars.\n\nChannel 0: yeah. That's\n\nChannel 1: What's\n\nChannel 0: okay.\n\nChannel 1: that? Sorry.\n\nChannel 0: The the loan on the other the other vehicle we had, you owed 35,000 last would that have decreased a little bit?\n\nChannel 1: Yeah. I'm pretty sure it gets paid out. Oh, I don't know. In a few months. But\n\nChannel 0: Okay.\n\nChannel 1: I don't know. I just put 15 on it.\n\nChannel 0: 15?\n\nChannel 1: But\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Beautiful. And I'll write here due to be paid out the next few months.\n\nChannel 1: Yeah.\n\nChannel 0: Few months. Beautiful. Fantastic.\n\nChannel 1: And\n\nChannel 0: Thank you for updating that. I've also with the Land Cruiser, do you have a loan on that vehicle?\n\nChannel 1: Yeah. We do.\n\nChannel 0: Do you know roughly how much that might be?\n\nChannel 1: I think it is 40.\n\nChannel 0: 40,000?\n\nChannel 1: Yeah.\n\nChannel 0: Lovely. I've also got tools and trailer with a combined value of 25,000. Would that be accurate, or would that be more or less?\n\nChannel 1: Just it probably it's probably a lot more. I wouldn't even know. So yeah. What did you say? 25?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. 25 wouldn't go real far, but\n\nChannel 0: No.\n\nChannel 1: it's probably close to the $35.40 mark,\n\nChannel 0: Okay.\n\nChannel 1: realistically.\n\nChannel 0: Yep. Beautiful. Absolutely. Let's pop that on there. I'll just put 40,000 down there for you.\n\nDo you have any other assets or liabilities or anything else that you would note down of value?\n\nChannel 1: Just a caravan.\n\nChannel 0: Yep. That's okay. And what's the value would you put on the caravan?\n\nChannel 1: 25.\n\nChannel 0: 25,000? Beautiful. Do you have any debts on that one at all?\n\nChannel 1: Yeah. No. No.\n\nChannel 0: Nope. That's okay. And for the advice document updating things, are you happy for me to use your income at a level of about 200,000, or what kind of income do you think you would have me factor in for the advice document?\n\nChannel 1: At this stage, just do that.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: And not you don't want me to consider contributions right now? We'll look at that down the track. Is that\n\nChannel 1: What's con what do you mean by contribution? Sorry.\n\nChannel 0: right? It's\n\nChannel 1: Oh,\n\nChannel 0: money\n\nChannel 1: yeah.\n\nChannel 0: putting\n\nChannel 1: No.\n\nChannel 0: into\n\nChannel 1: Let's do\n\nChannel 0: super\n\nChannel 1: that in about six months if we can. Sorry.\n\nChannel 0: in six months. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: absolutely fine. Just wanna make sure I've got everything\n\nChannel 1: Yeah.\n\nChannel 0: across\n\nChannel 1: I'm\n\nChannel 0: correctly for you.\n\nChannel 1: yeah. No. Appreciate it.\n\nChannel 0: That's all good. And I just have to update your next of kin on file as well. What's your wife's name?\n\nChannel 1: Latoya, l a t o y a.\n\nChannel 0: Beautiful. And same surname as yourself, Baker?\n\nChannel 1: Nah. G\n\nChannel 0: No?\n\nChannel 1: s c h\n\nChannel 0: Yep.\n\nChannel 1: u l g a.\n\nChannel 0: Fantastic. And do you know her phone number off by heart at all?\n\nChannel 1: Yeah. It's 0438\n\nChannel 0: Yes.\n\nChannel 1: 432\n\nChannel 0: Yep.\n\nChannel 1: 840.\n\nChannel 0: 840. Fantastic. Thank you for updating that.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: The only other thing I need to sort of double check is just your risk profile. So just very simply three questions to kinda go through. If you were to, say, find your super had fallen in value over the next one to two years, say, it had fallen in value by 20% due to what was happening globally, how do you think you might be feeling? Are you thinking that you might feel it's an investment opportunity, maybe chuck some money in the super and take advantage of that time? Are you likely to hold and wait and call us and see what we suggest you do, or are you a bit nervous and maybe wanting to sell the investments to cash?\n\nHow do you think you might react?\n\nChannel 1: Oh, if it if it was to drop, did you say? If\n\nChannel 0: Yeah.\n\nChannel 1: it if it I don't know. I guess if it I don't know. You'd like to say, oh, you'd like to throw some money in it after we catch it on the way up.\n\nChannel 0: Yeah. Yeah. Yep.\n\nChannel 1: Yeah. I guess so. I don't know.\n\nChannel 0: Yeah. That's that's\n\nChannel 1: I'm not\n\nChannel 0: okay.\n\nChannel 1: getting any younger.\n\nChannel 0: No. That's okay. That's absolutely fine. I can tick that box. Now when you think about your risk profile so at the moment, with the way I can see things, you're meant to be more of a high growth environment.\n\nSo that is where you're trying to take a little bit more risk in the market\n\nChannel 1: Yeah.\n\nChannel 0: in order to try and get greater potential returns. But we are aware that there are gonna be, you know, negative years. And this\n\nChannel 1: Yeah.\n\nChannel 0: is probably a good example of, you know, the\n\nChannel 1: Yeah.\n\nChannel 0: ups and\n\nChannel 1: That's\n\nChannel 0: downs.\n\nChannel 1: right.\n\nChannel 0: That high growth environment, we can expect a negative year, say, one in every five years. It does suit someone who has about eight years before they're planning to access that super. And if you\n\nChannel 1: Yeah.\n\nChannel 0: were to think about risk out of a number between one and five, one being all in cash, five being all in the market, you're actually seeing it about a four there. So\n\nChannel 1: Alright.\n\nChannel 0: you're\n\nChannel 1: Thanks.\n\nChannel 0: realistically not the highest level of risk, but\n\nChannel 1: Yeah.\n\nChannel 0: you are up there. If you think about that, how do you sort of feel? Are you comfortable taking on more risk to get greater potential returns knowing that there is a downside as well, or are you feeling like you should be a little bit lower risk? Where would you see yourself sitting on that scale?\n\nChannel 1: I don't know. I don't mind being at the high risk to get the rewards,\n\nChannel 0: Yep.\n\nChannel 1: I guess.\n\nChannel 0: Yep.\n\nChannel 1: I don't know. What do you think?\n\nChannel 0: Yeah. Look. Honestly, as I said, you're basically the same age as me. We do have\n\nChannel 1: Yeah.\n\nChannel 0: about twenty years before we can access\n\nChannel 1: Yeah.\n\nChannel 0: super at this point. So we do have time to be in that higher risk environment. If you were, say, eight or nine years away from accessing super, I'd be very much going, hey. Let's talk about\n\nChannel 1: Drop\n\nChannel 0: reducing\n\nChannel 1: it down.\n\nChannel 0: it back a little bit. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So I would be guiding you through that point. But right now, because especially with not adding any additional contributions to\n\nChannel 1: Okay.\n\nChannel 0: super,\n\nChannel 1: Can\n\nChannel 0: you\n\nChannel 1: you\n\nChannel 0: can\n\nChannel 1: hang up\n\nChannel 0: probably\n\nChannel 1: for\n\nChannel 0: look\n\nChannel 1: me?\n\nChannel 0: at taking on a bit more risk\n\nChannel 1: Bye.\n\nChannel 0: and trying to compound those returns a little bit more. And when you sort of are able to access or put more money in the super, then we could always look at reducing it back a little bit to kind of compensate. Does that make sense? Yeah. That's that's all good.\n\nThe last question I have is, realistically, if you saw your super fall in value, how does it make you feel? Are you optimistic about the investment opportunities? Feeling a bit cautious, concerned, or anxious,\n\nChannel 1: Oh,\n\nChannel 0: where would you sort of see yourself?\n\nChannel 1: a bit of price of the bottom ones. Cautious, anxious.\n\nChannel 0: Yep. Yep. That's okay. Excellent. And the last one here is have you ever thought about borrowing to, say,\n\nChannel 1: Anytime.\n\nChannel 0: invest in shares or managed funds, or do you consider\n\nChannel 1: Yeah.\n\nChannel 0: that too risky and only ever wanted to borrow for, say, property? Where do you sort of see that\n\nChannel 1: Sorry. Can you say that again? What was that?\n\nChannel 0: answer? That's okay. Have you ever considered borrowing from a bank or financial institution in order to invest in shares or manage funds, or have you only ever thought about borrowing for, say, property?\n\nChannel 1: Really? I only have a property, I guess, but\n\nChannel 0: Yep.\n\nChannel 1: I have been thinking about maybe putting 20 into Bitcoin or something, you know, see\n\nChannel 0: Yep.\n\nChannel 1: how that was today. But did you\n\nChannel 0: Yep.\n\nChannel 1: say do anything today, do you?\n\nChannel 0: We don't. It is something that advisers are very, very hesitant on advising on. I can send you some general information and some research data if you like, but it is a very risky kind of investment. People do lose a lot of money. The biggest\n\nChannel 1: Yeah.\n\nChannel 0: thing there is that the market's never actually closed, so it is very hard to value those sorts of investments. Yeah.\n\nChannel 1: Do you advise against it?\n\nChannel 0: At the moment, yeah, given your goals and your age and state, if there was any reason I mean, we just physically can't advise to do it in any way, shape, or form. It's not under our license to do so, but there are other ways to invest if you wanted to build wealth outside of super. Let me know. We can definitely talk more about the options and what that looks like and\n\nChannel 1: Alright.\n\nChannel 0: see if there's a a better way to kinda create long term wealth for you. Yeah.\n\nChannel 1: Alright. What what are some of them?\n\nChannel 0: So same as your your super portfolio, we can build investment portfolios. We have access to investment bonds as well, child bonds if you're trying to build wealth for your kids, and also just the cash on budgeting advice or property depending on what year after if you wanted to borrow to, say, have investment properties and things like that as well. So\n\nChannel 1: I\n\nChannel 0: there\n\nChannel 1: would\n\nChannel 0: are\n\nChannel 1: probably\n\nChannel 0: other ways to build wealth.\n\nChannel 1: I think they've got a property if\n\nChannel 0: Yeah.\n\nChannel 1: I could. What\n\nChannel 0: Yeah.\n\nChannel 1: what do you need to get started? What\n\nChannel 0: Well,\n\nChannel 1: sort of\n\nChannel 0: we'd\n\nChannel 1: figure?\n\nChannel 0: need yeah. So you'd sort of need to look at what your borrowing capacity is. So speak to a mortgage broker to find out whether you have borrowing capacity, what you're able to borrow, and then finding a property. Once you understand that, then you can always come back, and I can provide additional advice around that for you. Yeah.\n\nChannel 1: And is that is that borrowed through sofa or not?\n\nChannel 0: No. So you actually can't, under the changes to legislation, purchase residential property inside super with a loan anymore if you had enough to buy the property outright. No. They've changed the legislation. So as of the August 10 this year, the legislation has been changed, so you can't hold that have loans for inside super for residential property.\n\nThey only allow for commercial property now, unfortunately. Yeah. It is. They know. They saw everyone coming.\n\nAll good. The only other thing to let you know, look, you scored in that high growth area. I'm happy to keep you in that. Would you like me just to keep that going as it is for the moment, update the advice of what we have, and then we revisit it in six months' time? Does that work for you, Heath?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Definitely. Hopefully,\n\nChannel 0: Beautiful.\n\nChannel 1: everything overseas and stuff that went down here.\n\nChannel 0: Yeah. Absolutely. Absolutely. The only other thing to let you know is in that email, you've got your ongoing service agreement as well. You are on 1.65% at the moment with our new fee structure.\n\nThe more your balance increases, so once you get to that $200,000 mark, you'll actually drop into the next tier. And we work at our fee as a dollar figure now so that it's a set fee. You know exactly how much you'll pay for the year. Okay?\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yeah. Excellent. I'll get you to sign and return that back for me as at your earliest opportunity. I'll get stuck into the research.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Okay.\n\nChannel 0: just need to make sure one of my team can do a pre assessment with you one day, maybe next week. Is there a day someone can give you a call just to run through a quick pre assessment for my research for the advice?\n\nChannel 1: Can we do it can we do it Thursday? I just got a crazy start of the week. So\n\nChannel 0: Yeah.\n\nChannel 1: Thursday would probably be better at about I gotta pick the kids up on Thursday. So three three quarter past three would be good.\n\nChannel 0: Yes. Next Thursday, the twenty seventh?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. I can book it in for 03:30 if you like. My colleague, Samantha, will give you a call. This one's through a free assessment questionnaire. It just helps me to understand what kind of insurance terms might be offered and reassess the contracts for you prior to updating the advice.\n\nIs that okay?\n\nChannel 1: Wonderful.\n\nChannel 0: Fantastic. Look. I will let you go. I've taken up way too much of your time, but I really appreciate you this afternoon. If you can sign and return that email back for me, and I'll get stuck into the research and update the advice for you.\n\nDoes that sound okay?\n\nChannel 1: That's great. Thank you.\n\nChannel 0: My pleasure. Thank you for your time, Heath. I'm so sorry for the trouble. I hope everything is okay, and you have a lovely afternoon.\n\nChannel 1: You too. Thank you.\n\nChannel 0: My pleasure. Enjoy\n\nChannel 1: See\n\nChannel 0: your day. See you later.\n\nChannel 1: you later. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.027143225073814392}],"sentiment":"neutral","sentiment_score":0.027143225073814392,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Hi.","start":2.72,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.05171159654855728},{"text":"Hey.","start":2.8799999,"end":3.12,"sentiment":"neutral","sentiment_score":0.066704660654068},{"text":"This is Dana again.","start":3.12,"end":4.0,"sentiment":"neutral","sentiment_score":0.10851328447461128},{"text":"Is now okay to give you a","start":4.0,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.09435757462467466}],"sentiment":"neutral","sentiment_score":0.09330557057490715,"channel":0,"num_words":13,"start":2.72,"end":5.3599997},{"sentences":[{"text":"Yeah.","start":5.3599997,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.1426028460264206}],"sentiment":"neutral","sentiment_score":0.1426028460264206,"channel":1,"num_words":1,"start":5.3599997,"end":5.8399997},{"sentences":[{"text":"callback?","start":5.3599997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.08551886677742004}],"sentiment":"neutral","sentiment_score":0.08551886677742004,"channel":0,"num_words":1,"start":5.3599997,"end":5.8599997},{"sentences":[{"text":"Thank you.","start":5.8399997,"end":6.56,"sentiment":"positive","sentiment_score":0.3700931519269943},{"text":"Sorry","start":6.56,"end":6.96,"sentiment":"neutral","sentiment_score":-0.0363878458738327}],"sentiment":"neutral","sentiment_score":0.23459948599338531,"channel":1,"num_words":3,"start":5.8399997,"end":6.96},{"sentences":[{"text":"Yeah.","start":6.64,"end":7.04,"sentiment":"neutral","sentiment_score":0.009428992867469788}],"sentiment":"neutral","sentiment_score":0.009428992867469788,"channel":0,"num_words":1,"start":6.64,"end":7.04},{"sentences":[{"text":"about","start":6.96,"end":7.2799997,"sentiment":"neutral","sentiment_score":-0.009697426110506058}],"sentiment":"neutral","sentiment_score":-0.009697426110506058,"channel":1,"num_words":1,"start":6.96,"end":7.2799997},{"sentences":[{"text":"That's,","start":7.04,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.08804821968078613}],"sentiment":"neutral","sentiment_score":-0.08804821968078613,"channel":0,"num_words":1,"start":7.04,"end":7.3599997},{"sentences":[{"text":"that.","start":7.2799997,"end":7.7799997,"sentiment":"neutral","sentiment_score":-0.1358931064605713}],"sentiment":"neutral","sentiment_score":-0.1358931064605713,"channel":1,"num_words":1,"start":7.2799997,"end":7.7799997},{"sentences":[{"text":"like 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market's never actually closed, so it is very hard to value those sorts of investments.","start":1856.505,"end":1863.405,"sentiment":"negative","sentiment_score":-0.5423962950706482},{"text":"Yeah.","start":1863.785,"end":1864.285,"sentiment":"neutral","sentiment_score":-0.3076687753200531}],"sentiment":"negative","sentiment_score":-0.5312187941301436,"channel":0,"num_words":21,"start":1856.505,"end":1864.285},{"sentences":[{"text":"Do you advise against it?","start":1865.3999,"end":1867.0199,"sentiment":"negative","sentiment_score":-0.37585716843605044}],"sentiment":"negative","sentiment_score":-0.37585716843605044,"channel":1,"num_words":5,"start":1865.3999,"end":1867.0199},{"sentences":[{"text":"At the moment, yeah, given your goals and your age and state, if there was any reason I mean, we just physically can't advise to do it in any way, shape, or form.","start":1867.6901,"end":1877.7101,"sentiment":"neutral","sentiment_score":-0.31144514657331235},{"text":"It's not under our license to do so, but there are other ways to invest if you wanted to build wealth outside of super.","start":1878.3301,"end":1885.1849,"sentiment":"neutral","sentiment_score":-0.17387674376368523},{"text":"Let me know.","start":1885.1849,"end":1885.665,"sentiment":"neutral","sentiment_score":0.0033202494184176117},{"text":"We can definitely talk more about the options and what that looks like and","start":1885.665,"end":1889.985,"sentiment":"neutral","sentiment_score":0.12239868726049151}],"sentiment":"neutral","sentiment_score":-0.17198904482899485,"channel":0,"num_words":74,"start":1867.6901,"end":1889.985},{"sentences":[{"text":"Alright.","start":1889.8,"end":1890.3,"sentiment":"neutral","sentiment_score":0.15488958358764648}],"sentiment":"neutral","sentiment_score":0.15488958358764648,"channel":1,"num_words":1,"start":1889.8,"end":1890.3},{"sentences":[{"text":"see if there's a a better way to kinda create long term wealth for 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discusses coverage options with a customer, including increasing coverage for retirement and total permanent disability. They explain the benefits of insurance coverage and offer a retirement plan with flexible coverage and a monthly benefit of 7,000 a month. The customer is advised to take more risk for greater potential returns and is advised to build wealth through a property investment. The representative also suggests scheduling a call for a pre assessment and offers a free pre assessment process."},"intents":{"segments":[{"text":"a call where we all have to race up there. You know? Yeah. Okay.","start_word":51,"end_word":64,"intents":[{"intent":"Run race","confidence_score":0.00019670762}]},{"text":"Honestly, did you wanna finish your annual review now, or did you want me to sort of push it back to another time where you've got a little No.","start_word":68,"end_word":96,"intents":[{"intent":"Finish annual review","confidence_score":0.04519703}]},{"text":"The only thing I just wanted to double check was one of the things that does factor in is, obviously, your BMI. There's nothing else in your application that really flags as being any major changes to your health at all. Do No.","start_word":221,"end_word":263,"intents":[{"intent":"Check health","confidence_score":0.20108141},{"intent":"End call","confidence_score":0.010493462}]},{"text":"you know what your height and weight is currently? Or I'm a hundred I'm hundred and eighty three centimeters, yep.","start_word":264,"end_word":283,"intents":[{"intent":"Check height","confidence_score":0.21585579},{"intent":"Check weight","confidence_score":0.42831093}]},{"text":"And I'm about I've been we're on a oh, some stupid dive she's got me on, but Yep. I'm probably about ninety eight. Okay.","start_word":284,"end_word":307,"intents":[{"intent":"Start dive","confidence_score":0.00097578746}]},{"text":"I'd like to go back and just review. Have you lost a large sum of that weight over the past twelve months, or has it been sort of a longer term drop We probably of weight?","start_word":400,"end_word":435,"intents":[{"intent":"Review progress","confidence_score":0.0010875529}]},{"text":"Have you lost a large sum of that weight over the past twelve months, or has it been sort of a longer term drop We probably of weight?","start_word":408,"end_word":435,"intents":[{"intent":"Review weight loss","confidence_score":0.14654075}]},{"text":"When it comes to insurances, do you feel like the level of cover you have with that life and TPD is appropriate?","start_word":542,"end_word":563,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.16903731}]},{"text":"So you sorta set a a 485,000 for the mortgage, but then how many years worth of replacement income would you wanna factor into that? Oh, what's sorry.","start_word":667,"end_word":694,"intents":[{"intent":"Discuss income replacement","confidence_score":0.0019429981}]},{"text":"And would you like me to base that on, say, 200,000 of income or a 186,000 of income or a 100,000 of income? What kind of income would you want me to base that off? Just a 100 and no.","start_word":832,"end_word":871,"intents":[{"intent":"Evaluate income base","confidence_score":0.035524372},{"intent":"Evaluate income base","confidence_score":0.010128187}]},{"text":"So I'll look at replacing the so the cost of reducing the mortgage to zero, so 485,000, and then five years worth of income replacement based on an income of a 150,000 that would be suited? Yep.","start_word":948,"end_word":984,"intents":[{"intent":"Evaluate mortgage costs","confidence_score":0.004160111}]},{"text":"to sort of think of is at the moment, you've got the mortgage cost in place there. But if you as sad as this is, and I'm so sorry, but if you were to then pass away and the life insurance paid off the mortgage, that might be 3 or $400 a week that you're currently putting on the mortgage that they wouldn't have to do. That they So wouldn't have that to. would Yeah.","start_word":991,"end_word":1065,"intents":[{"intent":"Address mortgage cost","confidence_score":0.004441497}]},{"text":"important to note that if you do if you ever were to claim on TBD, having us as your advisers, we will help you with the claim, but then we will also provide advice on how to minimize the tax as much as possible, Alright.","start_word":1452,"end_word":1496,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.00017697724}]},{"text":"Which could be a very expensive policy. Yeah.","start_word":1839,"end_word":1846,"intents":[{"intent":"Budget retirement options","confidence_score":0.000744618}]},{"text":"So TPD pays that either a lump sum benefit or an income stream if you're permanently disabled, so not able to go back to work again ever.","start_word":2028,"end_word":2054,"intents":[{"intent":"Determine tdp coverage","confidence_score":0.0042051673}]},{"text":"would that you know, it's pretax. You'd probably end up with about, say, roughly 4,600 on a monthly basis. Does that plus your wife's income cover your regular regular expenditure? Would you need to be covered for a bit more income Oh, protection no. No. wise? It's at at this stage, it's it should Mhmm. yeah. Should.","start_word":2452,"end_word":2508,"intents":[{"intent":"Clarify coverage requirements","confidence_score":0.067833886}]},{"text":"of 7,000 for you to cover expenditure.","start_word":2735,"end_word":2741,"intents":[{"intent":"Discuss policy cost","confidence_score":0.000044535478},{"intent":"Discuss policy cost","confidence_score":0.016301407}]},{"text":"And with the benefit period, that's how long you can be on an income protection claim for. You currently have two years. Benefit periods can be two years, five years, or up to age 65.","start_word":2910,"end_word":2944,"intents":[{"intent":"Discuss benefit period","confidence_score":0.011958618}]},{"text":"With the life and TPD cover, I can always try and make the cost cheaper, link the policies together. So if I look at a million dollars of life cover as well as PPD and link the policies together, I Yes.","start_word":2993,"end_word":3033,"intents":[{"intent":"Discuss insurance comparison","confidence_score":0.0055628996}]},{"text":"Are you comfortable with that? Yep.","start_word":3055,"end_word":3060,"intents":[{"intent":"Express satisfaction","confidence_score":0.035542376}]},{"text":"some of the older So policies that's possibly do get a lot 50,000 more expensive. dollars, Yeah.","start_word":3119,"end_word":3135,"intents":[{"intent":"Reduce cost","confidence_score":0.36693716}]},{"text":"Now with the life and TBD, I can look at just looking for a million dollars of those covers and then you having your super benefit paid on top of that. Would you Yep.","start_word":3236,"end_word":3269,"intents":[{"intent":"Obtain super balance","confidence_score":0.0037574307}]},{"text":"we can get that price pin a bit. Yeah.","start_word":3361,"end_word":3369,"intents":[{"intent":"Obtain price pin","confidence_score":0.031152304}]},{"text":"So the main ones were the if I did hurt myself today, I'm off for two months, am Yep. I covered? And yeah.","start_word":3531,"end_word":3553,"intents":[{"intent":"Confirm insurance coverage","confidence_score":0.045295283}]},{"text":"claim documents ready. That way, Yep. once that thirty day hits, we can process the claim fairly quickly for you. But you have us here to help you facilitate those things. Yeah. Okay? Okay.","start_word":3661,"end_word":3694,"intents":[{"intent":"Obtain claim documents","confidence_score":0.0064216754}]},{"text":"But you have us here to help you facilitate those things. Yeah. Okay?","start_word":3681,"end_word":3693,"intents":[{"intent":"Provide assistance","confidence_score":0.024399465}]},{"text":"Since I'm looking Yep. at the insurances, I'll go Yep. back and review the super.","start_word":3775,"end_word":3789,"intents":[{"intent":"Review super super","confidence_score":0.01924414},{"intent":"Review super super","confidence_score":0.5623546}]},{"text":"change on that, but I can review to see if there's a better portfolio, see what's working, and see how I can maximize all of your benefits to get things working harder. Yeah.","start_word":3802,"end_word":3834,"intents":[{"intent":"Review portfolio","confidence_score":0.65564895}]},{"text":"And with your super and your life Last cover, just wanted to confirm, beneficiary nomination should be set to have everything paid to your wife. Is that right?","start_word":3847,"end_word":3874,"intents":[{"intent":"Confirm beneficiary nomination","confidence_score":0.88227713}]},{"text":"Have you guys got a will and power of attorney set I up?","start_word":3896,"end_word":3908,"intents":[{"intent":"Establish will and power of attorney","confidence_score":0.0017728481}]},{"text":"provide details on if you'd like to just to look at the costing and just to start the conversation. Would you Yeah.","start_word":4082,"end_word":4103,"intents":[{"intent":"Provide costing details","confidence_score":0.004502708}]},{"text":"Let's pop that on there. I'll just put 40,000 down there for you. Do you have any other assets or liabilities or anything else that you would note down of value?","start_word":4496,"end_word":4526,"intents":[{"intent":"Provide information","confidence_score":0.061691776}]},{"text":"Do you have any debts on that one at all? Yeah. No.","start_word":4546,"end_word":4557,"intents":[{"intent":"Ask about debts","confidence_score":0.07257597}]},{"text":"Just wanna make sure I've got everything Yeah.","start_word":4668,"end_word":4675,"intents":[{"intent":"Ensure understanding","confidence_score":0.0008209143}]},{"text":"What's your wife's name? Latoya, l a t o y a. Beautiful.","start_word":4702,"end_word":4713,"intents":[{"intent":"Confirm age","confidence_score":0.0011417802},{"intent":"Update parents","confidence_score":0.00025707178}]},{"text":"What's your wife's name? Latoya, l a t o y a. Beautiful. And same surname as yourself, Baker? Nah. G No?","start_word":4702,"end_word":4722,"intents":[{"intent":"Confirm name","confidence_score":0.015841227}]},{"text":"And same surname as yourself, Baker? Nah. G No?","start_word":4714,"end_word":4722,"intents":[{"intent":"Confirm identity","confidence_score":0.025258604},{"intent":"Confirm identity","confidence_score":0.047327258}]},{"text":"And do you know her phone number off by heart at all? Yeah.","start_word":4732,"end_word":4744,"intents":[{"intent":"Confirm phone number","confidence_score":0.06834175}]},{"text":"The only other thing I need to sort of double check is just your risk profile. So just very simply three questions to kinda go through.","start_word":4760,"end_word":4785,"intents":[{"intent":"Ask about risk profile","confidence_score":0.16888492}]},{"text":"were to think about risk out of a number between one and five, one being all in cash, five being all in the market, you're actually seeing it about a four there. So Alright.","start_word":5089,"end_word":5122,"intents":[{"intent":"Evaluate super risk","confidence_score":0.0019434575}]},{"text":"Are you comfortable taking on more risk to get greater potential returns knowing that there is a downside as well, or are you feeling like you should be a little bit lower risk? Where would you see yourself sitting on that scale? I don't know.","start_word":5150,"end_word":5194,"intents":[{"intent":"Explore financial options","confidence_score":0.0014168095}]},{"text":"So you'd sort of need to look at what your borrowing capacity is. So speak to a mortgage broker to find out whether you have borrowing capacity, what you're able to borrow, and then finding a property.","start_word":5839,"end_word":5875,"intents":[{"intent":"Determine borrowing capacity","confidence_score":0.0072880187}]},{"text":"Once you understand that, then you can always come back, and I can provide additional advice around that for you. Yeah.","start_word":5877,"end_word":5897,"intents":[{"intent":"Provide advice","confidence_score":0.25078863},{"intent":"Update advice","confidence_score":0.6689696}]},{"text":"The only other thing to let you know is in that email, you've got your ongoing service agreement as well. You are on 1.65% at the moment with our new fee structure. The more your balance increases, so once you get to that $200,000 mark, you'll actually drop into the next tier. And we work at our fee as a dollar figure now so that it's a set fee. You know exactly how much you'll pay for the year.","start_word":6062,"end_word":6140,"intents":[{"intent":"Review agreement","confidence_score":0.0051280307}]},{"text":"just need to make sure one of my team can do a pre assessment with you one day, maybe next week. Is there a day someone can give you a call just to run through a quick pre assessment for my research for the advice?","start_word":6171,"end_word":6215,"intents":[{"intent":"Complete pre-assessment","confidence_score":0.012704266}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Hey. This is Dana again. Is now okay to give you a callback? Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.0902307778596878},{"text":"Thank you.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.33349430561065674},{"text":"Sorry Yeah. about That's, that. like no. You're absolutely fine. Is everything okay? Yeah. I think so. The moment's Yeah. not doing real well, but I'm Oh, just I'm waiting so for sorry. a call where we all have to race up there. You know? Yeah. Okay. Understandable. Yeah. No. Honestly, did you wanna finish your annual review now, or did you want me to sort of push it back to another time where you've got a little No. bit more Let's time finish ahead it of now. you? It's Let's okay? finish. Yep. Yeah.","start_word":18,"end_word":112,"sentiment":"neutral","sentiment_score":-0.05143267661333084},{"text":"Beautiful.","start_word":113,"end_word":113,"sentiment":"positive","sentiment_score":0.5147997140884399},{"text":"I whilst I was on whilst you're making that call, I was able to kinda go back and have a look at your original application for insurances because, I mean, as I sort of looked at beforehand, I'd like to be able to maybe try to reduce the cost a little bit for you Yes. and sort of see where we are. Having a look at increasing or altering the nearest policy does make it a lot more expensive. So I'd like to maybe go back and look at any other providers and sort of see Yeah. what what other 100%. cover might be offered here. Yeah. The only thing I just wanted to double check was one of the things that does factor in is, obviously, your BMI. There's nothing else in your application that really flags as being any major changes to your health at all. Do No. you know what your height and weight is currently? Or I'm a hundred I'm hundred and eighty three centimeters, yep. And I'm about I've been we're on a oh, some stupid dive she's got me on, but Yep. I'm probably about ninety eight. Okay.","start_word":114,"end_word":307,"sentiment":"neutral","sentiment_score":-0.01962725631892681},{"text":"Beautiful.","start_word":308,"end_word":308,"sentiment":"positive","sentiment_score":0.5531501770019531},{"text":"So one of the things we did had noted in your original application was your weight then was about a hundred and eighty two, and we had you at about a hundred and eighty three centimeters there. So Alright. you're What was being my what was my weight? at hundred and two when we did the application Alright. originally. Yeah. Yeah.","start_word":309,"end_word":369,"sentiment":"neutral","sentiment_score":0.018379023298621178},{"text":"So it has come down a bit since that was placed in force in 2020, which is a good aspect. It does mean that your BMI has reduced.","start_word":370,"end_word":397,"sentiment":"positive","sentiment_score":0.4241226613521576},{"text":"So Alright. I'd like to go back and just review. Have you lost a large sum of that weight over the past twelve months, or has it been sort of a longer term drop We probably of weight? we've she's got me on that bloody EBT challenge, whatever it is. EBT. It's Yeah. Something Yeah. she's I don't know where she found it, but I think we did we started it on doing an eight week challenge. Must have been would've maybe been this time last year, I guess. Yep. Yeah. Perfect. No.","start_word":398,"end_word":490,"sentiment":"neutral","sentiment_score":0.02987997978925705},{"text":"That's I think I excellent.","start_word":491,"end_word":495,"sentiment":"positive","sentiment_score":0.3971410393714905},{"text":"got up to about a hundred and fourteen kilos, so Okay. we have to Look. do something. She's yeah. She's looking after you. She wants Yeah. you around a bit longer. Yeah. No.","start_word":496,"end_word":528,"sentiment":"neutral","sentiment_score":0.08653940260410309},{"text":"That's excellent.","start_word":529,"end_word":530,"sentiment":"positive","sentiment_score":0.3688841462135315},{"text":"Well, I'll go back and have a bit of a look. When it comes to insurances, do you feel like the level of cover you have with that life and TPD is appropriate? Did you wanna sort of keep that $500,000 mark of life and TPD, or is If there we can a certain get it amount up higher that yeah. for What cheaper, is there I a would. yeah. Is there a certain amount that you'd want me to Yeah. look at as a goal amount, or is it a certain What's your aspect? life Did worth, you want me to yeah. The isn't the other it? thing you can look at the other thing you can sorta look at if it helps you is we can look at maybe paying off the mortgage. So you sorta set a a 485,000 for the mortgage, but then how many years worth of replacement income would you wanna factor into that? Oh, what's sorry. What was that? What what was that one? Yeah. You you're right. So if we maybe looked at the level of cover for life, and we say paid off the mortgage, that's 485,000 there. Yes. Yes. Yes. But then we also looked at maybe some years worth of income replacement. Would you maybe wanna replace your income based on one year, five years, ten years? What what's important to you? What would you want as a goal for your life cover? Oh, because who whose income would it be? It'd be then my spouse's Yours. income, would it? It will it's Oh, that's it's if a replacement I die. of your income. Yeah. It's kinda right to replace your income in the event that something happens to you. Oh, Yeah. oh, yeah. Five years. Five years? Yeah.","start_word":531,"end_word":830,"sentiment":"neutral","sentiment_score":0.06227896884083748},{"text":"Perfect.","start_word":831,"end_word":831,"sentiment":"positive","sentiment_score":0.46701157093048096},{"text":"And would you like me to base that on, say, 200,000 of income or a 186,000 of income or a 100,000 of income? What kind of income would you want me to base that off? Just a 100 and no. 120, maybe. Yeah. I don't Yep. know. That's okay. We got a high The we got a high needs to order, yes.","start_word":832,"end_word":893,"sentiment":"neutral","sentiment_score":-0.04065551981329918},{"text":"so it's hard with her working full time only because she's always in specialists and physios, and Yeah. she's got cerebral palsy. So it's hard.","start_word":894,"end_word":918,"sentiment":"negative","sentiment_score":-0.3503476083278656},{"text":"Yep. She can only work around, I guess, daughter's needs too. You know? Yeah. Absolutely. Yep. Just go one fifty. That one fifty? Yeah. That's Absolutely. what I'd say. So I'll look at replacing the so the cost of reducing the mortgage to zero, so 485,000, and then five years worth of income replacement based on an income of a 150,000 that would be suited? Yep. Yeah. The other thing Yep. to sort of think of is at the moment, you've got the mortgage cost in place there. But if you as sad as this is, and I'm so sorry, but if you were to then pass away and the life insurance paid off the mortgage, that might be 3 or $400 a week that you're currently putting on the mortgage that they wouldn't have to do. That they So wouldn't have that to. would Yeah. But it correct. would also it would also cover that would then cover because pretty much her wage goes to school fees, I guess. Yep. And you put Yep. it like that, so it would be able to cover her past the school Yep. fees.","start_word":919,"end_word":1109,"sentiment":"neutral","sentiment_score":-0.010703968245009476},{"text":"Absolutely. Perfect.","start_word":1110,"end_word":1111,"sentiment":"positive","sentiment_score":0.5027692914009094},{"text":"Yeah. So based on a 150 k for income replacement and then reducing the mortgage, that would be okay to look at goal wise for your life cover? Yeah. I think so. Yeah. Absolutely. Yep.","start_word":1112,"end_word":1146,"sentiment":"neutral","sentiment_score":0.1477389633655548},{"text":"Beautiful.","start_word":1147,"end_word":1147,"sentiment":"positive","sentiment_score":0.3690117597579956},{"text":"I'll come How back with how the advice does the and loss Sure. how does the loss of income work? Like, if I hurt myself today at work, what would happen Mhmm. and So I couldn't that's that's, work? yeah, that's a really good question, and that's the next thing we look at, and that is total permanent disability. So that's if you could never able to get back to work again. Your current sum insured for TPD is 593,000. Yeah. No. You also can release your super benefit with a 147 on top of that. So you can just realistically be covered It's for good. the same amount as your life cover. The thing that I like to point out is that what most people don't realize is that if you are TBD, if you go through TBD and you're under the age of 60, if you then draw all that money out, you actually pay tax on that. The Yeah. tax can be up to 22%. Woah. If we yeah. I know. If if I was to look at factoring that in at the highest tax rate, now it is up to 22%.","start_word":1148,"end_word":1342,"sentiment":"neutral","sentiment_score":-0.06125756725668907},{"text":"So, That's essentially, disgusting, ain't it? it it honestly is. I think it's horrible. I think the last thing anyone should be doing is taxing a disability Yeah. payment if you can't go back to work.","start_word":1343,"end_word":1378,"sentiment":"negative","sentiment_score":-0.5751611292362213},{"text":"That's Correct.","start_word":1379,"end_word":1380,"sentiment":"neutral","sentiment_score":-0.22091376781463623},{"text":"horrendous.","start_word":1381,"end_word":1381,"sentiment":"negative","sentiment_score":-0.6517548561096191},{"text":"Yeah. But I do have to kinda factor it into the equation to sort of show you what the outcome might look like. So if we would've factor that in, if you were to take the 740,000 out, the tax estimated at the highest tax rate at 22% is a 162,964. So you could see it yeah.","start_word":1382,"end_word":1438,"sentiment":"neutral","sentiment_score":-0.1479630470275879},{"text":"So you could realistically lose a 162,000 out of that.","start_word":1439,"end_word":1448,"sentiment":"negative","sentiment_score":-0.4190715551376343},{"text":"It is Yes. important to note that if you do if you ever were to claim on TBD, having us as your advisers, we will help you with the claim, but then we will also provide advice on how to minimize the tax as much as possible, Alright. how Yep. to maybe keep as much of that invested and draw an income on a regular basis to keep it working as hard as possible. But when I am talking goal wise, I do like to make sure that I'm factoring that information in because Yeah. I have seen a lot of people go through a claim and go, no. I want the money, but then call back and go, hey. But I've been taxed on this. Like, what the hell? So Yeah. Yeah. That's right. yeah. Did you want me to sort of if you were unable to go back to work again on a a full time basis like TDD, what sort of happens to the business at this point? Are you able to sell everything off to kinda give you some sort of lump sum buffer? Yeah. It's just not no. There wouldn't be there's not a lot really I could sell off. You know? I don't it'd be the cars maybe and mainly just the tools.","start_word":1449,"end_word":1667,"sentiment":"neutral","sentiment_score":-0.06348364800214767},{"text":"Like, I don't have any plan.","start_word":1668,"end_word":1673,"sentiment":"negative","sentiment_score":-0.339040607213974},{"text":"Mhmm. Yep. Mhmm. Yeah. And it's not like you could sell Yep. the business because it's more Yep. Yeah. I don't know, man. No. That's Yeah. okay. So thinking about TBD wise, if you were to never able not be able to go back to work again on a permanent capacity, Being that you are 44 and, realistically, whilst we can access your super, you have a lot of living to, Twenty you know, years. to have Yeah. twenty years plus. Yeah. And then you've got young kids as well and school fees and things like Yeah. that. How many years of income replacement would you maybe need to factor into the disability support? Well, if I could never work again, it'd have to be that twenty years, wouldn't it? Twenty years? We can look at that for you. It are we basing that on, say, a $150,000 of income or your current income or what's Yeah. What's that? Three point something million dollars. yeah.","start_word":1674,"end_word":1838,"sentiment":"neutral","sentiment_score":-0.024798158708621156},{"text":"Which could be a very expensive policy.","start_word":1839,"end_word":1845,"sentiment":"negative","sentiment_score":-0.6030727624893188},{"text":"Yeah. Yeah. Yeah. The other thing you could maybe look at is if we maybe looked at reducing, say, you paid out the 485,000 of the mortgage, which obviously leaves a little bit of extra income. And then maybe would you need to live on less on a yearly basis? Would you be comfortable with maybe a 100,000 for the next Yeah. five or ten years? Or do you think that not having the mortgage you could realistically So if it's you weren't possibly. working. Yeah. Possibly. Yeah. That's because it's that's only getting paid out if I die, isn't it? No. The TPD pays Oh, or no. pays Not that not yeah. The not sorry. the TPD. The other one paying The out the life super, cover? and then she'll Mhmm. get that five years or whatever at a 150,000. Yep. That goes to her, doesn't it? The death cover. Yeah. Yeah. Yeah. Definitely. Yeah. So Yep. this Yep. this With other one, how how would how does it work? Sorry. The one you Yep. just mentioned. Yeah. That's okay. So TPD pays that either a lump sum benefit or an income stream if you're permanently disabled, so not able to go back to work again ever. You can also have your super released Yeah. under that circumstances, but, again, it goes to there are taxation consequences if you're under Yeah. the age The of 20 sixty. 2%. Yeah. Yeah. If you're over 60, it's completely tax free. So, like, if you're gonna be disabled, we'll try and do it later on this Son pack. yeah. Yeah. That's right. But, yeah, it's just about trying to find a level cover that you're comfortable with paying for whilst knowing Yeah. that That's that right. can affect your retirement figure. Did you want Yeah. me to look at maybe a million dollars or 1.5, or Yeah. did you Do just that. want to get Yeah. what would you like to see? Do you think 1,000,000 even? Or Oh, I guess I do one and yeah. we'll see what the price is, what it's Yeah. you That's know? that's Yeah. okay. So if if I look at that, just to kinda give you an idea, a million dollars of cover just with your TBD minus the mortgage of 485,000 leaves about 515,000. This is not counting in tax side of things, But then dividing that by a $100,000 a year or even $50,000 a year if you're not working and not having as high an expenditure could last for about ten years of income replacement. Keeping in mind that the more you reduce the mortgage, the more of that insurance provides a greater benefit long term. Does that feel appropriate goals wise, or did Five you wanna look at a bit more cover? 100 Yep. Penis. That should be right. Yeah. I'll look at a million dollars for you. Yeah. I do that. Yeah.","start_word":1846,"end_word":2337,"sentiment":"neutral","sentiment_score":-0.003678198858368687},{"text":"Beautiful.","start_word":2338,"end_word":2338,"sentiment":"positive","sentiment_score":0.5320219993591309},{"text":"Also, You can does it does Yeah. it Of cover course. me for, like say, I snap my leg and I'm off work for, you know, two months. Am I covered Mhmm. for that or not? So not under TBD, It's like but you do have income income protection? protection. Yeah. Yeah. And you do have income protection. So your income protection monthly benefit currently provides a a monthly pretax benefit of 5,091. With that monthly benefit, you're covered for at the moment that was based on your income back when we initially went through the application side of things, and it does Alright. increase a little bit over time there. But Good. would that you know, it's pretax. You'd probably end up with about, say, roughly 4,600 on a monthly basis. Does that plus your wife's income cover your regular regular expenditure? Would you need to be covered for a bit more income Oh, protection no. No. wise? It's at at this stage, it's it should Mhmm. yeah. Should. I mean, if I if I base it on, say, you've mentioned income of about 200 Yeah. thousand To be covered under income protection, you can be covered for up to 70% of your Hello? pre disability income. If I look at, say, 200,000, 70%, it means you would need a monthly benefit of around about $11,006.06 Yeah. 6. But that obviously income protection is the biggest part of your insurance cost. So you could Yeah. look at, you know, the full 70% of your income or 60% of your income, or if you just wanna kinda cover your monthly expenditure and maybe have a certain amount of cover, How much do you feel like you should be covered for? 3.5. 2.5. It has to be 7, maybe a month. Yep. 7,000 per month. Yeah. So, like, a net 7,000 a month for Yeah. after taxes. Yep. Yeah. Yeah. Are you comfortable with me just maybe looking at that 7,000 net income protection benefit amount, or did you wanna maybe look at trying to cover yourself for the higher amount? Or did you want me to go back and look at both No. and see Just what got the 7. costing is? 7? Yep. Beautiful. Yeah.","start_word":2339,"end_word":2714,"sentiment":"neutral","sentiment_score":0.01700733167099509},{"text":"He's good at that.","start_word":2715,"end_word":2718,"sentiment":"positive","sentiment_score":0.3685972392559051},{"text":"Yep. So I'll look at a net income protection Think we monthly better benefit go. of 7,000 for you to cover expenditure. Yep. Yep. Yep. Okay.","start_word":2719,"end_word":2744,"sentiment":"neutral","sentiment_score":0.04868402403707688},{"text":"Beautiful.","start_word":2745,"end_word":2745,"sentiment":"positive","sentiment_score":0.6176257133483887},{"text":"I'm gonna go and pick him up. Are you gonna stay down there? Yes. Is that alright? Okay. Don't leave me. Yep. Yeah. Sorry. No. No. You're Bitch fine. Not is trying a problem to spindle at all. me into something. Oh, bless our little hearts. With your income protection, you've also got a couple of other things to think about. One of those is a a waiting period for how long you would have to be off work and covering Yeah. your own expenditure prior to you making a claim. You currently have thirty days. If you were to extend that out and wait longer, you can make the policy more cheaper, but it's also you know, do you have enough to fall back on? What happens if you're off for thirty days? Yeah. Yeah. Do you Yeah. think That's thirty right. days is appropriate, or did you wanna look at No. something I think longer? thirty Or days is appropriate. yep.","start_word":2746,"end_word":2908,"sentiment":"neutral","sentiment_score":0.02453688159584999},{"text":"Beautiful.","start_word":2909,"end_word":2909,"sentiment":"positive","sentiment_score":0.3651899993419647},{"text":"And with the benefit period, that's how long you can be on an income protection claim for. You currently have two years. Benefit periods can be two years, five years, or up to age 65. Notably, the longer you have the benefit period for, the more the insurance is gonna cost, but the longer you can be on a claim for given Two the risk two years of something would be occurring, fine, I think. that would be okay. Yep.","start_word":2910,"end_word":2989,"sentiment":"neutral","sentiment_score":0.023204615339636803},{"text":"Beautiful.","start_word":2990,"end_word":2990,"sentiment":"positive","sentiment_score":0.3585522174835205},{"text":"Yeah.","start_word":2991,"end_word":2991,"sentiment":"neutral","sentiment_score":0.2740219235420227},{"text":"Beautiful.","start_word":2992,"end_word":2992,"sentiment":"positive","sentiment_score":0.41957566142082214},{"text":"With the life and TPD cover, I can always try and make the cost cheaper, link the policies together. So if I look at a million dollars of life cover as well as PPD and link the policies together, I Yes. can try to get, like, a multi policy discount and try to make the insurances cheaper Oh, for yeah. you. Okay. Are you comfortable with that? Yep. Yep. Yep. What whatever we can do to get that 7,000 Yep. dollars a year down Yep. on $9,000, I think it is, which Absolutely. how long have I been with you? Three, You four see, years. this, yeah, this policy was put in place in 2020, so it has been in place for a while. And Yeah. some of the older So policies that's possibly do get a lot 50,000 more expensive. dollars, Yeah. Correct. Yeah. So let's definitely let's definitely look at what we can do to make this cheaper. It was the first thing I saw when I looked at your Yeah. annual Yeah. review documents, and I went, yeah. I think we need to try and do something with this Yeah. to make your system work harder. Absolutely.","start_word":2993,"end_word":3192,"sentiment":"neutral","sentiment_score":0.02426744256168604},{"text":"Like I said, I've been getting smashed with them.","start_word":3193,"end_word":3201,"sentiment":"negative","sentiment_score":-0.42281535267829895},{"text":"They ring me Yeah. all the time. Yeah. No. We'll help you out. That's what you have us Yeah.","start_word":3202,"end_word":3220,"sentiment":"neutral","sentiment_score":-0.03051663003861904},{"text":"for, so let's let's make it worthwhile for you.","start_word":3221,"end_word":3229,"sentiment":"positive","sentiment_score":0.37248650193214417},{"text":"Yeah.","start_word":3230,"end_word":3230,"sentiment":"neutral","sentiment_score":0.3068196177482605},{"text":"A 100%.","start_word":3231,"end_word":3232,"sentiment":"positive","sentiment_score":0.3393521010875702},{"text":"Yeah.","start_word":3233,"end_word":3233,"sentiment":"neutral","sentiment_score":0.3001028299331665},{"text":"All good.","start_word":3234,"end_word":3235,"sentiment":"positive","sentiment_score":0.4296039044857025},{"text":"Now with the life and TBD, I can look at just looking for a million dollars of those covers and then you having your super benefit paid on top of that. Would you Yep. like it sort of looked that way, or would you like me to try and reduce the cost by, say, having a million dollars of life and TBD cover then subtracting your super balance away from that to have that included. Do you does that make sense? Yeah. Yeah. Did what would you sort of prefer? Would you like the million dollars excluding your super balance or including your super No. balance? I do it including. Including? Yep. So Yeah. factor If we in can get super. that yeah. And Yep. we can get that price pin a bit. Yeah. Absolutely. Leave that with me. Now there are other types of insurances that you can hold. These are out of pocket. There's things like trauma and child trauma. Trauma pays out a lump sum tax free benefit if you, say, have a heart attack, a stroke, get diagnosed with cancer, Parkinson's, MS, and major traumatic conditions. And child Yes. trauma pays out a lump sum benefit if one of your children passed away or if they are diagnosed with a major condition as well. Did you wanna look at any additional insurances on top of what you have, or are you happy just with the three that we've kinda gone through?","start_word":3236,"end_word":3480,"sentiment":"neutral","sentiment_score":0.013509110809893024},{"text":"I'm happy with that at the moment.","start_word":3481,"end_word":3487,"sentiment":"positive","sentiment_score":0.4556994438171386},{"text":"Yep.","start_word":3488,"end_word":3488,"sentiment":"neutral","sentiment_score":0.21458952128887177},{"text":"That's absolutely fine.","start_word":3489,"end_word":3491,"sentiment":"positive","sentiment_score":0.3502768874168396},{"text":"I know I touch in a lot, and it can be quite complex. Do you have any questions or anything that I haven't sorta touched on with the insurances that you might wanna have me I'm happy. talk about? So the main ones were the if I did hurt myself today, I'm off for two months, am Yep. I covered? And yeah. That was the only question I had. Yeah. And the correct answer is yes. You have Yes. the income protection benefit Yep. there whilst it 30 is a bit low days. at the moment. You just got a thirty day waiting period. Yep. What I would suggest is if anything was to happen to you and you are thinking you're gonna be off to that time frame, let us know straight away so we can help you with the claim. We Alright. can let the insurer know that you're off work. That way, they Yep. can start Sorry, the thirty day waiting period, sir. get the Yeah. claim documents ready. That way, Yep. once that thirty day hits, we can process the claim fairly quickly for you. But you have us here to help you facilitate those things. Yeah. Okay? Okay.","start_word":3492,"end_word":3694,"sentiment":"neutral","sentiment_score":0.030250003561377525},{"text":"Perfect. Thank you.","start_word":3695,"end_word":3697,"sentiment":"positive","sentiment_score":0.48887166380882263},{"text":"Yep.","start_word":3698,"end_word":3698,"sentiment":"neutral","sentiment_score":0.27377134561538696},{"text":"That's okay. Fantastic. Well, I've got some work to do there, which is great.","start_word":3699,"end_word":3712,"sentiment":"positive","sentiment_score":0.38240981101989746},{"text":"Yes. I'm sorry. If no. You're no. I love it. Honestly, this is what Oh, you have good. us for. You you may as well use us. You pay for Yes. having an adviser, so use That's us to right. your full extent. Okay? Yep. Appreciate If it. if if you're comfortable, I might also just look at your super as well. Since I'm looking Yep. at the insurances, I'll go Yep. back and review the super.","start_word":3713,"end_word":3789,"sentiment":"neutral","sentiment_score":0.1066955104470253},{"text":"I know we have Oh, this that'd made be a great.","start_word":3790,"end_word":3800,"sentiment":"positive","sentiment_score":0.3599936068058014},{"text":"change on that, but I can review to see if there's a better portfolio, see what's working, and see how I can maximize all of your benefits to get things working harder. Yeah.","start_word":3801,"end_word":3833,"sentiment":"neutral","sentiment_score":0.1854759007692337},{"text":"Are That'd you happy be great. with that?","start_word":3834,"end_word":3841,"sentiment":"positive","sentiment_score":0.453188419342041},{"text":"Yep.","start_word":3842,"end_word":3842,"sentiment":"neutral","sentiment_score":0.2794150710105896},{"text":"100%. Beautiful. Excellent. Yep.","start_word":3843,"end_word":3846,"sentiment":"positive","sentiment_score":0.55235356092453},{"text":"And with your super and your life Last cover, just wanted to confirm, beneficiary nomination should be set to have everything paid to your wife. Is that right? Is is that what you're comfortable with? Yes. Yeah. Yeah.","start_word":3847,"end_word":3884,"sentiment":"neutral","sentiment_score":0.2436666041612625},{"text":"Beautiful.","start_word":3885,"end_word":3885,"sentiment":"positive","sentiment_score":0.4869503378868103},{"text":"Yeah. I'll I'll make sure everything is reflective of that. Have you guys got a will and power of attorney set I up? Have don't, you just talked and about that? we need to because I lost my parents, what, I'm so sorry. less than twelve months ago, but I lost them both Yeah. in the same year on Yeah. the exact same cancer. So I'm and then so I've sorry. been saying, oh, we need to get a will. We need to get a will, but we Yeah. haven't done anything yet. Oh, I'm so sorry to hear that. But, no, absolutely, doing a will is extremely important thinking The services of a solicitor to do so, you also do can do a will kit at the post office, so they are more contestable. Yeah. So, realistically, having a solicitor do that and paying some extra money to have it set It's up better. correctly is met in your benefit. Absolutely. Yeah. We Yep. can always just send you a referral, not so much a referral email, but just an email in relation to some a local solicitor within Queensland that we can always Alright. provide details on if you'd like to just to look at the costing and just to start the conversation. Would you Yeah. like Yeah. me to 100 generate percent. that for you? Yeah. Yeah. If you could, please. Yeah. Absolutely. Yep. We'll get that email out to you. Not a problem at all. And then just to update a few other details for you, your car that we have on file, you had a value on that last year of 35,000. Would you value that the same, do you think? Or What is it? Sorry. your car. Oh, my car. Oh, Yeah. I don't know what even what the depreciation value. It's got 58,000 That's okay. k's on it. If you had to sell that, what what value is it to you? What would you sell it for? Yeah. It's hopefully around that. If not, yeah. Yep. Like, surely, Yep. I'd get the same for that. Yeah. I got That's two okay. cars. So I've got that car, and I've got a 300 series Land Cruiser. Okay. Yeah. So what's the value would you put on the Land Cruiser, do you think? It's only 2 what's it? Two years old, I guess. So I should still be able to get $8,090,000 for it. 80 something Okay. thousand for it. 90. Yeah. I Beautiful. don't And know with if the I other hate cars. yeah. That's What's okay. that? Sorry. The the loan on the other the other vehicle we had, you owed 35,000 last would that have decreased a little bit? Yeah. I'm pretty sure it gets paid out. Oh, I don't know. In a few months. But Okay. I don't know. I just put 15 on it. 15? But Yep. yeah. Beautiful. And I'll write here due to be paid out the next few months. Yeah. Few months.","start_word":3886,"end_word":4390,"sentiment":"neutral","sentiment_score":0.021808888047638503},{"text":"Beautiful. Fantastic. And Thank you for updating that.","start_word":4391,"end_word":4398,"sentiment":"positive","sentiment_score":0.4591237008571625},{"text":"I've also with the Land Cruiser, do you have a loan on that vehicle? Yeah. We do. Do you know roughly how much that might be? I think it is 40. 40,000? Yeah. Lovely. I've also got tools and trailer with a combined value of 25,000. Would that be accurate, or would that be more or less? Just it probably it's probably a lot more. I wouldn't even know. So yeah. What did you say? 25? Yeah. Yeah. 25 wouldn't go real far, but No. it's probably close to the $35.40 mark, Okay. realistically. Yep.","start_word":4399,"end_word":4493,"sentiment":"neutral","sentiment_score":0.016215332166144722},{"text":"Beautiful. Absolutely. Let's pop that on there.","start_word":4494,"end_word":4500,"sentiment":"positive","sentiment_score":0.45268842577934265},{"text":"I'll just put 40,000 down there for you. Do you have any other assets or liabilities or anything else that you would note down of value? Just a caravan. Yep. That's okay. And what's the value would you put on the caravan? 25. 25,000? Beautiful. Do you have any debts on that one at all? Yeah. No. No. Nope. That's okay. And for the advice document updating things, are you happy for me to use your income at a level of about 200,000, or what kind of income do you think you would have me factor in for the advice document? At this stage, just do that. Yep.","start_word":4501,"end_word":4608,"sentiment":"neutral","sentiment_score":0.05059501901268959},{"text":"Beautiful.","start_word":4609,"end_word":4609,"sentiment":"positive","sentiment_score":0.3461727797985077},{"text":"Yeah. And not you don't want me to consider contributions right now? We'll look at that down the track. Is that What's con what do you mean by contribution? Sorry. right? It's Oh, money yeah. putting No. into Let's do super that in about six months if we can. Sorry. in six months. No. That's Yeah. absolutely fine. Just wanna make sure I've got everything Yeah. across I'm correctly for you. yeah. No. Appreciate it.","start_word":4610,"end_word":4684,"sentiment":"neutral","sentiment_score":-0.0107289245352149},{"text":"That's all good.","start_word":4685,"end_word":4687,"sentiment":"positive","sentiment_score":0.48695671558380127},{"text":"And I just have to update your next of kin on file as well. What's your wife's name? Latoya, l a t o y a. Beautiful. And same surname as yourself, Baker? Nah. G No? s c h Yep. u l g a. Fantastic. And do you know her phone number off by heart at all? Yeah. It's 0438 Yes. 432 Yep. 840. 840.","start_word":4688,"end_word":4751,"sentiment":"neutral","sentiment_score":0.0593174509704113},{"text":"Fantastic. Thank you for updating that.","start_word":4752,"end_word":4757,"sentiment":"positive","sentiment_score":0.5993896126747131},{"text":"Yep.","start_word":4758,"end_word":4758,"sentiment":"neutral","sentiment_score":0.3275708258152008},{"text":"Perfect.","start_word":4759,"end_word":4759,"sentiment":"positive","sentiment_score":0.5432885885238647},{"text":"The only other thing I need to sort of double check is just your risk profile. So just very simply three questions to kinda go through. If you were to, say, find your super had fallen in value over the next one to two years, say, it had fallen in value by 20% due to what was happening globally, how do you think you might be feeling? Are you thinking that you might feel it's an investment opportunity, maybe chuck some money in the super and take advantage of that time? Are you likely to hold and wait and call us and see what we suggest you do, or are you a bit nervous and maybe wanting to sell the investments to cash? How do you think you might react? Oh, if it if it was to drop, did you say? If Yeah. it if it I don't know. I guess if it I don't know. You'd like to say, oh, you'd like to throw some money in it after we catch it on the way up. Yeah. Yeah. Yep. Yeah. I guess so. I don't know. Yeah.","start_word":4760,"end_word":4947,"sentiment":"neutral","sentiment_score":-0.08421757016727265},{"text":"That's that's I'm not okay.","start_word":4948,"end_word":4952,"sentiment":"negative","sentiment_score":-0.3476557731628418},{"text":"getting any younger. No. That's okay. That's absolutely fine. I can tick that box. Now when you think about your risk profile so at the moment, with the way I can see things, you're meant to be more of a high growth environment. So that is where you're trying to take a little bit more risk in the market Yeah. in order to try and get greater potential returns. But we are aware that there are gonna be, you know, negative years. And this Yeah. is probably a good example of, you know, the Yeah. ups and That's downs. right. That high growth environment, we can expect a negative year, say, one in every five years. It does suit someone who has about eight years before they're planning to access that super. And if you Yeah. were to think about risk out of a number between one and five, one being all in cash, five being all in the market, you're actually seeing it about a four there. So Alright. you're Thanks. realistically not the highest level of risk, but Yeah. you are up there. If you think about that, how do you sort of feel? Are you comfortable taking on more risk to get greater potential returns knowing that there is a downside as well, or are you feeling like you should be a little bit lower risk? Where would you see yourself sitting on that scale? I don't know. I don't mind being at the high risk to get the rewards, Yep. I guess. Yep. I don't know. What do you think? Yeah. Look. Honestly, as I said, you're basically the same age as me. We do have Yeah. about twenty years before we can access Yeah. super at this point. So we do have time to be in that higher risk environment. If you were, say, eight or nine years away from accessing super, I'd be very much going, hey. Let's talk about Drop reducing it down. it back a little bit. Yeah. Yeah. So I would be guiding you through that point. But right now, because especially with not adding any additional contributions to Okay. super, Can you you can hang up probably for look me? at taking on a bit more risk Bye. and trying to compound those returns a little bit more. And when you sort of are able to access or put more money in the super, then we could always look at reducing it back a little bit to kind of compensate. Does that make sense? Yeah.","start_word":4953,"end_word":5377,"sentiment":"neutral","sentiment_score":-0.07133567528689609},{"text":"That's that's all good.","start_word":5378,"end_word":5381,"sentiment":"positive","sentiment_score":0.5230581760406494},{"text":"The last question I have is, realistically, if you saw your super fall in value, how does it make you feel? Are you optimistic about the investment opportunities? Feeling a bit cautious, concerned, or anxious, Oh, where would you sort of see yourself? a bit of price of the bottom ones. Cautious, anxious. Yep. Yep. That's okay.","start_word":5382,"end_word":5438,"sentiment":"neutral","sentiment_score":-0.04252104088664055},{"text":"Excellent.","start_word":5439,"end_word":5439,"sentiment":"positive","sentiment_score":0.5745967030525208},{"text":"And the last one here is have you ever thought about borrowing to, say, Anytime. invest in shares or managed funds, or do you consider Yeah. that too risky and only ever wanted to borrow for, say, property? Where do you sort of see that Sorry. Can you say that again? What was that? answer? That's okay. Have you ever considered borrowing from a bank or financial institution in order to invest in shares or manage funds, or have you only ever thought about borrowing for, say, property? Really? I only have a property, I guess, but Yep. I have been thinking about maybe putting 20 into Bitcoin or something, you know, see Yep. how that was today. But did you Yep. say do anything today, do you?","start_word":5440,"end_word":5567,"sentiment":"neutral","sentiment_score":-0.008718351265997626},{"text":"We don't. It is something that advisers are very, very hesitant on advising on. I can send you some general information and some research data if you like, but it is a very risky kind of investment. People do lose a lot of money. The biggest Yeah. thing there is that the market's never actually closed, so it is very hard to value those sorts of investments.","start_word":5568,"end_word":5634,"sentiment":"negative","sentiment_score":-0.5028333067893982},{"text":"Yeah.","start_word":5635,"end_word":5635,"sentiment":"neutral","sentiment_score":-0.3076687753200531},{"text":"Do you advise against it?","start_word":5636,"end_word":5640,"sentiment":"negative","sentiment_score":-0.3704186081886291},{"text":"At the moment, yeah, given your goals and your age and state, if there was any reason I mean, we just physically can't advise to do it in any way, shape, or form. It's not under our license to do so, but there are other ways to invest if you wanted to build wealth outside of super. Let me know. We can definitely talk more about the options and what that looks like and Alright. see if there's a a better way to kinda create long term wealth for you. Yeah. Alright. What what are some of them? So same as your your super portfolio, we can build investment portfolios. We have access to investment bonds as well, child bonds if you're trying to build wealth for your kids, and also just the cash on budgeting advice or property depending on what year after if you wanted to borrow to, say, have investment properties and things like that as well. So I there would are probably other ways to build wealth. I think they've got a property if Yeah. I could. What Yeah. what do you need to get started? What Well, sort of we'd figure? need yeah. So you'd sort of need to look at what your borrowing capacity is. So speak to a mortgage broker to find out whether you have borrowing capacity, what you're able to borrow, and then finding a property. Once you understand that, then you can always come back, and I can provide additional advice around that for you. Yeah. And is that is that borrowed through sofa or not? No. So you actually can't, under the changes to legislation, purchase residential property inside super with a loan anymore if you had enough to buy the property outright. No. They've changed the legislation. So as of the August 10 this year, the legislation has been changed, so you can't hold that have loans for inside super for residential property. They only allow for commercial property now, unfortunately. Yeah. It is. They know. They saw everyone coming.","start_word":5641,"end_word":5982,"sentiment":"neutral","sentiment_score":-0.015214659284517082},{"text":"All good.","start_word":5983,"end_word":5984,"sentiment":"positive","sentiment_score":0.5274978876113892},{"text":"The only other thing to let you know, look, you scored in that high growth area.","start_word":5985,"end_word":6000,"sentiment":"neutral","sentiment_score":0.2534213662147522},{"text":"I'm happy to keep you in that.","start_word":6001,"end_word":6007,"sentiment":"positive","sentiment_score":0.5754777193069458},{"text":"Would you like me just to keep that going as it is for the moment, update the advice of what we have, and then we revisit it in six months' time? Does that work for you, Heath? Yeah. Yep. Yeah. Definitely.","start_word":6008,"end_word":6048,"sentiment":"neutral","sentiment_score":0.1339961141347885},{"text":"Hopefully, Beautiful.","start_word":6049,"end_word":6050,"sentiment":"positive","sentiment_score":0.36060234904289246},{"text":"everything overseas and stuff that went down here. Yeah. Absolutely. Absolutely. The only other thing to let you know is in that email, you've got your ongoing service agreement as well. You are on 1.65% at the moment with our new fee structure. The more your balance increases, so once you get to that $200,000 mark, you'll actually drop into the next tier. And we work at our fee as a dollar figure now so that it's a set fee. You know exactly how much you'll pay for the year. Okay? Okay. Yeah. Yeah.","start_word":6051,"end_word":6144,"sentiment":"neutral","sentiment_score":0.08020175248384476},{"text":"Excellent. I'll get you to sign and return that back for me as at your earliest opportunity.","start_word":6145,"end_word":6161,"sentiment":"positive","sentiment_score":0.3913062810897827},{"text":"I'll get stuck into the research. Yeah. I Okay. just need to make sure one of my team can do a pre assessment with you one day, maybe next week. Is there a day someone can give you a call just to run through a quick pre assessment for my research for the advice? Can we do it can we do it Thursday? I just got a crazy start of the week. So Yeah. Thursday would probably be better at about I gotta pick the kids up on Thursday. So three three quarter past three would be good. Yes. Next Thursday, the twenty seventh? Yeah. Yeah. Yeah. I can book it in for 03:30 if you like. My colleague, Samantha, will give you a call. This one's through a free assessment questionnaire. It just helps me to understand what kind of insurance terms might be offered and reassess the contracts for you prior to updating the advice. Is that okay?","start_word":6162,"end_word":6321,"sentiment":"neutral","sentiment_score":0.0927876160480082},{"text":"Wonderful. Fantastic. Look. I will let you go. I've taken up way too much of your time, but I really appreciate you this afternoon. If you can sign and return that email back for me, and I'll get stuck into the research and update the advice for you.","start_word":6322,"end_word":6369,"sentiment":"positive","sentiment_score":0.47745323181152344},{"text":"Does that sound okay?","start_word":6370,"end_word":6373,"sentiment":"neutral","sentiment_score":0.2408260852098465},{"text":"That's great. Thank you. My pleasure. Thank you for your time, Heath.","start_word":6374,"end_word":6385,"sentiment":"positive","sentiment_score":0.7335206270217896},{"text":"I'm so sorry for the trouble.","start_word":6386,"end_word":6391,"sentiment":"neutral","sentiment_score":-0.012634919956326485},{"text":"I hope everything is okay, and you have a lovely afternoon. You too. Thank you. My pleasure. Enjoy See your day. See you later.","start_word":6392,"end_word":6415,"sentiment":"positive","sentiment_score":0.5904583930969238},{"text":"you later. Bye. Bye.","start_word":6416,"end_word":6419,"sentiment":"neutral","sentiment_score":0.17382390797138214}],"average":{"sentiment":"neutral","sentiment_score":0.011833910645895509}}}}