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Cozy morning fog. Well, thank you very much for taking a few minutes to do your annual review with me this morning. Before I get stuck into it, I'm just gonna go through a quick security check. And basically today, gonna go through the strategies, changing circumstances, and details, and just sort of see what we need to do, if that's alright. Beautiful. So I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? Sensational. Thank you very much for that. Mate, now I've got a few details open in front of me that I wanted to run through. But before I do, is there anything in particular you're hoping to get out of today's review? Fair enough. Yep. Oh, no. The double hit. Yeah. No. That's totally fair enough. And I did see a note there from Michelle that you might even be looking at changing things up quite a bit to maybe do some with the truck driving, bit of bit of local stuff. Yep. Oh, no. Yeah. And switch it up a little bit rather than trying to just keep pushing uphill in the current industry kind of thing. Okay. So in a bit of a holding pattern for the time being, and my job space, we're just to make sure that the super just keeps moving in the background for you so you don't have to worry about it and while you sort of get back on the feet and everything. Is there anything that I can, like, specifically help you with today where you would want an extra conversation outside of just, you know, reviewing the super? Yep. Yep. With a bit of an opt in or something like that. The old knockback. Yep. Uh-huh. Yep. Yeah. Absolutely. So outside of getting the old time machine to skip a thousand years, I do have a few thoughts. So first thing is when it comes to the rest cover, there's two types of ways you can lose the cover, and that's either a low balance or an inactive account. So, you know, no contributions for eighteen months is usually the cutoff. And if it goes below 6,000 is the other sort of risk. Some super funds have one opt in for both, and some have two where you've got to kind of make sure it's protected in both circumstances. So I would hazard that the cover is still there, and I believe were you sending through a bit of an updated statement through, or have you already done so? Yep. Go for it. I can so far. Yep. To hub now. Yeah. So do that old sweep across once it goes above that balance, that kind of thing. So, basically, if you've only just gone to the unemployment, your your funds and your insurances will be protected. I'm gonna have a look through that rundown to see whether what the risks are, if any. And if it's all still protected, I'll I'll kind of get back to you straight away on that one. But I'm just gonna have a little hunt around for those details. When it comes to the next employer, so their default fund will definitely give you default cover, and that's one way of kind of bumping things up a little bit. But I would definitely love to have a bit of a comparison around when you find out what fund they're with, if possible. So what I would like to do is if you get accepted for something, just ask them what their default super fund is. Give us a quick buzz to let us know. I can go through their PDFs and figure out what they're gonna give you likely. And that way, I can go to kinda see, is it gonna be more than rest? Is it gonna be in a similar amount so you can kind of have both running and give you some further advice there? So if you're okay to kind of touch base when you know what fund it's gonna be, just let us know, and I can kind of break down the details for you. Cool. Yes. Yeah. Yeah. Yep. So that's perfect because your contributions were going to rest and, like, nothing's going to the hub, which is great, which means it's all been going in there. That's all been opted into, so you don't have to worry about it just clicking off in the background while you're job hunting. That will be there pretty I wouldn't say indefinitely because, let's say, ten years down the road, they'll probably have expired some sort of opt in or something, but you're at least sweet for the next year and a half, if not longer. Cool. So when I look at that, they had $400 of life insurance, only a $120 of TPD, and a little bit of income protection. Now when you get back into employment, that income protection can still kind of cover you as well. So I would need to see how much TPD cover the next fund's gonna give you because a 100 grand's a bit low. Some funds offer equal amounts, which is a lot better, and then also just comparing the income protection so you're not doubling up on policies. Okay. Cool. Let me have a quick look. I don't have the the email in front of me, but I do have where it was sitting plus your contributions. So if I have a little look see, let's say you did the 10,000 there and those contributions going in from February twelve months, it would probably be sitting around about the 20 mark from what I would see. So when we go through the super now, what I'll basically do is I can put together just a little bit of an updated plan to say, okay. We'll move across this much and possibly update some of the investments inside the hub. And then if you're comfortable with both of those things, we can basically do rollovers and investments, which is all in the background for you. So I'll kind of leave you to the job hunting for a little bit while I put together that research and comparison because there was a couple of things I was looking at in the hub as well, and I wanna just combine both into one document for you. K. Now I'll double check with Michelle straight after this call just to see if we do have a third party authority to call rest to do a further breakdown. If not, we will see what emails have come through. If I need to get one more forwarded through, I'll get her to give you a buzz straight away. Cool. When it comes to to the other circumstances just briefly, so I'm just double checking if anything else has changed. You're still married with the one son? Yep. Perfect. Assets and liabilities wise, we've got the the car, personal loan, and credit card were the main three and a little bit of savings. Yep. Amazing. That's some silver linings for you there, Aaron. Aaron. Yep. Yeah. Yeah. Cool. So, hopefully, what will basically line up for you guys, which I'm I'm hoping will be the case, is you get into those next roles. You've got some contracts. You give them to the brokers and banks. They get approval for all the mortgage and everything, and then you're hopefully in that new in that new unit sooner rather than later, and it's not delayed another couple of years. So the next few months will be pretty big for you guys for sure. Yep. Thirty three. Thirty 5. Yeah. Yeah. Yeah. Look. All in all Yeah. And Moving areas is is possibly a silver lining as well. But like you just said, there's always a plan a, b, and c in terms of whether they can sell the unit or hardship or anything like that. So if it gets to that point where you need access to super funds to help keep that going, please just give us a call, and we'll help you through the process, especially if you get letters of you know, letters from creditors saying we're we're coming after assets and funds and things like that. Just get on to us straight away, and we can take you through that process if that's gonna be the best for you k. So I'm gonna put a flag on the file just so in case you do call in, everyone's kind of aware that there may be a future compassionate ground or hardship release pending. That way, everyone knows. And look, to be honest, I'm not gonna try and predict the future, but these things have a funny way of kind of working out where it's like you're at your your rock bottom and all of a sudden things start lining up and you get that next job, you get the approval, and then you look back and go, wow. Wasn't that a fun period to go through? But then you're off to the other side. So just remember it is temporary, and a year from now, things will be a lot different. Awesome. Mate, I'm not gonna change anything else now. The only thing I'm gonna basically do is, again, just just look at that rest fund. And just with the super, I'm gonna send you through an annual review pack just so you can have a little look, see about how everything's going. Basically, it's it's growing pretty well without the contributions coming in. Like, the the market's kind of dipped with the fuel crisis and the war and everything, and it bounced back from a $103 up to a 114 plus what you've been accumulating and growing in rest along side it as well. Now it was a very good move that Dana kind of moved you from that Netwealth platform and portfolio because the portfolio you were in, that was like a growth one, four out of five on the risk scale. And you've been moved into a high growth one, which is higher risk but higher long term returns. But I've just done a bit of quick comparison between the two. And if you'd remained in the previous one, you actually would have been in the negative this year, but you're actually up about seven and a half percent after fees in growth. So the quality was just there in what she recommended. While you are in the situation that you're in, I do wanna make one further change while I'm doing the rest, which is one of the Australian share funds have kind of been dragging its feet and going into the negative, but all your other investment options have been kind of kicking out the lights. What I normally do in these situations is I usually switch some of these funds if they're not doing too well into a lower fee passive option where I can just lower the investment fees, keep the returns really strong, and just kind of do an engine tune up if that makes sense. Yeah. That's the one. So all the other, like, gold and American shares and property and everything is kind of double digits, which is good. And then Better Long's kind of just been dropping down a little bit further than the other Australian shares options. So I think with the high fees that it attracts, you're probably better off going to something a little bit lower fees, but still that double digit returns. As long as you're still comfortable, obviously, with that high growth approach, you know, you're trying to build you that million dollars and get as much returns as possible. It's gonna go up and down like a bit of a yo yo, up and down 10, $2,030,000 dollars a year. But our idea, of course, is that when you get closer to that age 60 to access your super, we can reduce the risk down once you've actually built the nest egg. Egg. Sounds good? K. So I'll put that together. What I will do as well, I'm gonna send out that annual review pack and, like, service agreement and so on. Just make sure that's all still active so we can actually have access to the accounts and move things around. I'm just gonna double check as well ID because that's a funny one that kind of clicks off sometimes. So just bear with me for a quick second. Amazing. Perfect. Alright. 20Third. Amazing. So that'll be what we can certify to get all of that information and get the movements going. So, basically, from here, Aaron, is I will basically put this plan together over the next week or so. Michelle will just get you booked back in for a quick fifteen minute chat with me just to run through the figures and the document, make sure you're comfortable with the changes, and then we can clean that up in the background for you. Last thing I wanted to do just as a bit of housekeeping, I think Michelle may have mentioned, but just in terms of beneficiaries to make sure all the super, all the life insurance is going where they need to go, I'm assuming you still want it all to go to your partner. Was that kind of your intention all the way along for all super funds? Yeah. So the way that usually works is let's say let's say that the double negative happens. All the super fund goes between what's in place, which is, you know, beneficiaries to go between each other and so on. I need you to send out the hub form for that. But, basically, it will then flow through to your next of kin, which would be your son, and whoever is his guardian would essentially control the funds on his behalf until he's 18. Yeah. So the most easiest ones is obviously lawyers. You've got the courthouse and the public trustee for the state, and then you've got the old post office will kits. They're about $25. And then you've got a post office and solicitor bound power of attorney. So power of attorney is medical and financial decisions if you can't act like you're in the hospital unconscious, whereas the will is if you pass away. So my recommendation always is to just get both in place because, you know, $25 each. And that way, if you're in a coma, everything's looked after, especially, let's say, you get the job and the mortgage, someone can access the bank account, talk to the doctors, and then the will for your assets, your son, all that kind of thing. Cool. So we'll send that out. Do you want me to email through the beneficiary form to print out or just post it there so you've got a hard copy with a return envelope? Yep. Okay. And, again, just with that, it needs to be because it's a legal document, you've gotta do a wet signature with a pen and just get it witnessed by two people who aren't your beneficiary. Yeah. Correct. Cool. Do you have any preference, like, you can set the beneficiary to expire every three years or just be continuous until you change it? Some people like being forced to look at it. Some people just want it set and forget. Yep. And a bit of a weird question, but you can actually choose for it to be legally binding, so the super fund and insurer has to do it, or nonbinding, which gives the trustee discretion on where things go. Yeah. Yeah. That's the most common one is just non lapsing binding. Just means it's very specific and everything's kind of locked in. Again, when you get blended families and things like that, it's just kind of like, hey. Super fun look. Here's what I'm thinking. You figure it out, then off you go. Cool. Alright. So we'll keep it a bit of a holding pattern on the super funds. I'm gonna make sure that I leave a sufficient buffer in the rest funds just to make sure that if this continues on for a long period of time, again, there's little risk of lapsing due to, you know, stock market crashes or something like that. And then in that document that I put together, I'll kind of update some projections and figures just so you know how much is gonna go where. Cool. Alright. Any questions so far on what we've talked about? Cool. So what you'll get today is basically the annual review pack service agreement. Now we're gonna be moving on to a tiered fee structure next year. So at the moment, the usual was the 1.65% for the super, but we're gonna tier it so that anyone above 200,000 starts to get fee discounts. So in your next annual review, you'll start to approach those figures, and we'll start applying that new tier structure next year as well. Cool. Did you end up getting your password reset email from Hub? We did a bit of a trigger to get that off to you. I don't know if that came through okay. Amazing. Okay. Cool. So that's all sorted. It's just basically the beneficiaries, and I can see Michelle coming back from a bit of morning tea. So I'll check with her on the rest details as well. Awesome. Aramae, any last questions for me before I let you go, sir? Cool. Alright. Last thing for me, goals wise that I'm gonna include in that document is basically just stabilizing the cash flow, getting into the property, possibly maybe go on your holiday and cruise one day when everything settles down a little bit, and then just growing the super and reviewing the insurances at the earliest point that we can. Yep. Amazing. And we do have a few clients that have been doing that as well. And expatriate advice is kind of fun for us, probably not right and important for you right now. But once you go to another country and you've got funds being managed in Australia or you bring funds across and exchange rates and assets and home purchases and so on, there's heaps of different things to consider and do. So I'll make sure that's kind of the the Northern Star target at the end of it. Awesome, Aaron. Look. I really appreciate you taking the time. I know you've got a lot of things to deal with, so thank you for carving out that time with me this morning. And we will be in touch over the fortnight for any other details we need, and then I'll get all the super rolling again in that next document. Thanks, mate. Have a great day. 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morning, Aaron. It's Tommy here, senior adviser of Oakview. How are you doing? Right. Living the dream so far.\n\nIt's a fantastic cloudy, cold, wet day. What about your end? Cozy morning fog. Well, thank you very much for taking a few minutes to do your annual review with me this morning. Before I get stuck into it, I'm just gonna go through a quick security check.\n\nAnd basically today, gonna go through the strategies, changing circumstances, and details, and just sort of see what we need to do, if that's alright. Beautiful. So I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? Sensational.\n\nThank you very much for that. Mate, now I've got a few details open in front of me that I wanted to run through. But before I do, is there anything in particular you're hoping to get out of today's review? Fair enough. Yep.\n\nOh, no. The double hit. Yeah. No. That's totally fair enough.\n\nAnd I did see a note there from Michelle that you might even be looking at changing things up quite a bit to maybe do some with the truck driving, bit of bit of local stuff. Yep. Oh, no. Yeah. And switch it up a little bit rather than trying to just keep pushing uphill in the current industry kind of thing.\n\nOkay. So in a bit of a holding pattern for the time being, and my job space, we're just to make sure that the super just keeps moving in the background for you so you don't have to worry about it and while you sort of get back on the feet and everything. Is there anything that I can, like, specifically help you with today where you would want an extra conversation outside of just, you know, reviewing the super? Yep. Yep.\n\nWith a bit of an opt in or something like that. The old knockback. Yep. Uh-huh. Yep.\n\nYeah. Absolutely. So outside of getting the old time machine to skip a thousand years, I do have a few thoughts. So first thing is when it comes to the rest cover, there's two types of ways you can lose the cover, and that's either a low balance or an inactive account. So, you know, no contributions for eighteen months is usually the cutoff.\n\nAnd if it goes below 6,000 is the other sort of risk. Some super funds have one opt in for both, and some have two where you've got to kind of make sure it's protected in both circumstances. So I would hazard that the cover is still there, and I believe were you sending through a bit of an updated statement through, or have you already done so? Yep. Go for it.\n\nI can so far. Yep. To hub now. Yeah. So do that old sweep across once it goes above that balance, that kind of thing.\n\nSo, basically, if you've only just gone to the unemployment, your your funds and your insurances will be protected. I'm gonna have a look through that rundown to see whether what the risks are, if any. And if it's all still protected, I'll I'll kind of get back to you straight away on that one. But I'm just gonna have a little hunt around for those details. When it comes to the next employer, so their default fund will definitely give you default cover, and that's one way of kind of bumping things up a little bit.\n\nBut I would definitely love to have a bit of a comparison around when you find out what fund they're with, if possible. So what I would like to do is if you get accepted for something, just ask them what their default super fund is. Give us a quick buzz to let us know. I can go through their PDFs and figure out what they're gonna give you likely. And that way, I can go to kinda see, is it gonna be more than rest?\n\nIs it gonna be in a similar amount so you can kind of have both running and give you some further advice there? So if you're okay to kind of touch base when you know what fund it's gonna be, just let us know, and I can kind of break down the details for you. Cool. Yes. Yeah.\n\nYeah. Yep. So that's perfect because your contributions were going to rest and, like, nothing's going to the hub, which is great, which means it's all been going in there. That's all been opted into, so you don't have to worry about it just clicking off in the background while you're job hunting. That will be there pretty I wouldn't say indefinitely because, let's say, ten years down the road, they'll probably have expired some sort of opt in or something, but you're at least sweet for the next year and a half, if not longer.\n\nCool. So when I look at that, they had $400 of life insurance, only a $120 of TPD, and a little bit of income protection. Now when you get back into employment, that income protection can still kind of cover you as well. So I would need to see how much TPD cover the next fund's gonna give you because a 100 grand's a bit low. Some funds offer equal amounts, which is a lot better, and then also just comparing the income protection so you're not doubling up on policies.\n\nOkay. Cool. Let me have a quick look. I don't have the the email in front of me, but I do have where it was sitting plus your contributions. So if I have a little look see, let's say you did the 10,000 there and those contributions going in from February twelve months, it would probably be sitting around about the 20 mark from what I would see.\n\nSo when we go through the super now, what I'll basically do is I can put together just a little bit of an updated plan to say, okay. We'll move across this much and possibly update some of the investments inside the hub. And then if you're comfortable with both of those things, we can basically do rollovers and investments, which is all in the background for you. So I'll kind of leave you to the job hunting for a little bit while I put together that research and comparison because there was a couple of things I was looking at in the hub as well, and I wanna just combine both into one document for you. K.\n\nNow I'll double check with Michelle straight after this call just to see if we do have a third party authority to call rest to do a further breakdown. If not, we will see what emails have come through. If I need to get one more forwarded through, I'll get her to give you a buzz straight away. Cool. When it comes to to the other circumstances just briefly, so I'm just double checking if anything else has changed.\n\nYou're still married with the one son? Yep. Perfect. Assets and liabilities wise, we've got the the car, personal loan, and credit card were the main three and a little bit of savings. Yep.\n\nAmazing. That's some silver linings for you there, Aaron. Aaron. Yep. Yeah.\n\nYeah. Cool. So, hopefully, what will basically line up for you guys, which I'm I'm hoping will be the case, is you get into those next roles. You've got some contracts. You give them to the brokers and banks.\n\nThey get approval for all the mortgage and everything, and then you're hopefully in that new in that new unit sooner rather than later, and it's not delayed another couple of years. So the next few months will be pretty big for you guys for sure. Yep. Thirty three. Thirty 5.\n\nYeah. Yeah. Yeah. Look. All in all Yeah.\n\nAnd Moving areas is is possibly a silver lining as well. But like you just said, there's always a plan a, b, and c in terms of whether they can sell the unit or hardship or anything like that. So if it gets to that point where you need access to super funds to help keep that going, please just give us a call, and we'll help you through the process, especially if you get letters of you know, letters from creditors saying we're we're coming after assets and funds and things like that. Just get on to us straight away, and we can take you through that process if that's gonna be the best for you k. So I'm gonna put a flag on the file just so in case you do call in, everyone's kind of aware that there may be a future compassionate ground or hardship release pending.\n\nThat way, everyone knows. And look, to be honest, I'm not gonna try and predict the future, but these things have a funny way of kind of working out where it's like you're at your your rock bottom and all of a sudden things start lining up and you get that next job, you get the approval, and then you look back and go, wow. Wasn't that a fun period to go through? But then you're off to the other side. So just remember it is temporary, and a year from now, things will be a lot different.\n\nAwesome. Mate, I'm not gonna change anything else now. The only thing I'm gonna basically do is, again, just just look at that rest fund. And just with the super, I'm gonna send you through an annual review pack just so you can have a little look, see about how everything's going. Basically, it's it's growing pretty well without the contributions coming in.\n\nLike, the the market's kind of dipped with the fuel crisis and the war and everything, and it bounced back from a $103 up to a 114 plus what you've been accumulating and growing in rest along side it as well. Now it was a very good move that Dana kind of moved you from that Netwealth platform and portfolio because the portfolio you were in, that was like a growth one, four out of five on the risk scale. And you've been moved into a high growth one, which is higher risk but higher long term returns. But I've just done a bit of quick comparison between the two. And if you'd remained in the previous one, you actually would have been in the negative this year, but you're actually up about seven and a half percent after fees in growth.\n\nSo the quality was just there in what she recommended. While you are in the situation that you're in, I do wanna make one further change while I'm doing the rest, which is one of the Australian share funds have kind of been dragging its feet and going into the negative, but all your other investment options have been kind of kicking out the lights. What I normally do in these situations is I usually switch some of these funds if they're not doing too well into a lower fee passive option where I can just lower the investment fees, keep the returns really strong, and just kind of do an engine tune up if that makes sense. Yeah. That's the one.\n\nSo all the other, like, gold and American shares and property and everything is kind of double digits, which is good. And then Better Long's kind of just been dropping down a little bit further than the other Australian shares options. So I think with the high fees that it attracts, you're probably better off going to something a little bit lower fees, but still that double digit returns. As long as you're still comfortable, obviously, with that high growth approach, you know, you're trying to build you that million dollars and get as much returns as possible. It's gonna go up and down like a bit of a yo yo, up and down 10, $2,030,000 dollars a year.\n\nBut our idea, of course, is that when you get closer to that age 60 to access your super, we can reduce the risk down once you've actually built the nest egg. Egg. Sounds good? K. So I'll put that together.\n\nWhat I will do as well, I'm gonna send out that annual review pack and, like, service agreement and so on. Just make sure that's all still active so we can actually have access to the accounts and move things around. I'm just gonna double check as well ID because that's a funny one that kind of clicks off sometimes. So just bear with me for a quick second. Amazing.\n\nPerfect. Alright. 20Third. Amazing. So that'll be what we can certify to get all of that information and get the movements going.\n\nSo, basically, from here, Aaron, is I will basically put this plan together over the next week or so. Michelle will just get you booked back in for a quick fifteen minute chat with me just to run through the figures and the document, make sure you're comfortable with the changes, and then we can clean that up in the background for you. Last thing I wanted to do just as a bit of housekeeping, I think Michelle may have mentioned, but just in terms of beneficiaries to make sure all the super, all the life insurance is going where they need to go, I'm assuming you still want it all to go to your partner. Was that kind of your intention all the way along for all super funds? Yeah.\n\nSo the way that usually works is let's say let's say that the double negative happens. All the super fund goes between what's in place, which is, you know, beneficiaries to go between each other and so on. I need you to send out the hub form for that. But, basically, it will then flow through to your next of kin, which would be your son, and whoever is his guardian would essentially control the funds on his behalf until he's 18. Yeah.\n\nSo the most easiest ones is obviously lawyers. You've got the courthouse and the public trustee for the state, and then you've got the old post office will kits. They're about $25. And then you've got a post office and solicitor bound power of attorney. So power of attorney is medical and financial decisions if you can't act like you're in the hospital unconscious, whereas the will is if you pass away.\n\nSo my recommendation always is to just get both in place because, you know, $25 each. And that way, if you're in a coma, everything's looked after, especially, let's say, you get the job and the mortgage, someone can access the bank account, talk to the doctors, and then the will for your assets, your son, all that kind of thing. Cool. So we'll send that out. Do you want me to email through the beneficiary form to print out or just post it there so you've got a hard copy with a return envelope?\n\nYep. Okay. And, again, just with that, it needs to be because it's a legal document, you've gotta do a wet signature with a pen and just get it witnessed by two people who aren't your beneficiary. Yeah. Correct.\n\nCool. Do you have any preference, like, you can set the beneficiary to expire every three years or just be continuous until you change it? Some people like being forced to look at it. Some people just want it set and forget. Yep.\n\nAnd a bit of a weird question, but you can actually choose for it to be legally binding, so the super fund and insurer has to do it, or nonbinding, which gives the trustee discretion on where things go. Yeah. Yeah. That's the most common one is just non lapsing binding. Just means it's very specific and everything's kind of locked in.\n\nAgain, when you get blended families and things like that, it's just kind of like, hey. Super fun look. Here's what I'm thinking. You figure it out, then off you go. Cool.\n\nAlright. So we'll keep it a bit of a holding pattern on the super funds. I'm gonna make sure that I leave a sufficient buffer in the rest funds just to make sure that if this continues on for a long period of time, again, there's little risk of lapsing due to, you know, stock market crashes or something like that. And then in that document that I put together, I'll kind of update some projections and figures just so you know how much is gonna go where. Cool.\n\nAlright. Any questions so far on what we've talked about? Cool. So what you'll get today is basically the annual review pack service agreement. Now we're gonna be moving on to a tiered fee structure next year.\n\nSo at the moment, the usual was the 1.65% for the super, but we're gonna tier it so that anyone above 200,000 starts to get fee discounts. So in your next annual review, you'll start to approach those figures, and we'll start applying that new tier structure next year as well. Cool. Did you end up getting your password reset email from Hub? We did a bit of a trigger to get that off to you.\n\nI don't know if that came through okay. Amazing. Okay. Cool. So that's all sorted.\n\nIt's just basically the beneficiaries, and I can see Michelle coming back from a bit of morning tea. So I'll check with her on the rest details as well. Awesome. Aramae, any last questions for me before I let you go, sir? Cool.\n\nAlright. Last thing for me, goals wise that I'm gonna include in that document is basically just stabilizing the cash flow, getting into the property, possibly maybe go on your holiday and cruise one day when everything settles down a little bit, and then just growing the super and reviewing the insurances at the earliest point that we can. Yep. Amazing. And we do have a few clients that have been doing that as well.\n\nAnd expatriate advice is kind of fun for us, probably not right and important for you right now. But once you go to another country and you've got funds being managed in Australia or you bring funds across and exchange rates and assets and home purchases and so on, there's heaps of different things to consider and do. So I'll make sure that's kind of the the Northern Star target at the end of it. Awesome, Aaron. Look.\n\nI really appreciate you taking the time. I know you've got a lot of things to deal with, so thank you for carving out that time with me this morning. And we will be in touch over the fortnight for any other details we need, and then I'll get all the super rolling again in that next document. Thanks, mate. Have a great day.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Aaron.","start":2.24,"end":3.12,"sentiment":"neutral","sentiment_score":0.30888136227925617},{"text":"It's Tommy here, senior adviser of Oakview.","start":3.12,"end":5.12,"sentiment":"neutral","sentiment_score":0.22686941283089773},{"text":"How are you doing?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.20865052938461304},{"text":"Right.","start":8.48,"end":8.72,"sentiment":"neutral","sentiment_score":0.16154338419437408},{"text":"Living the dream so far.","start":8.72,"end":9.76,"sentiment":"positive","sentiment_score":0.3344759225845337}],"sentiment":"neutral","sentiment_score":0.2591627545654774,"num_words":20,"start":2.24,"end":9.76},{"sentences":[{"text":"It's a fantastic cloudy, cold, wet day.","start":9.76,"end":12.345,"sentiment":"positive","sentiment_score":0.5209300901208606},{"text":"What about your end?","start":12.585,"end":17.165,"sentiment":"neutral","sentiment_score":-0.04248328832909465},{"text":"Cozy morning fog.","start":20.345001,"end":24.185001,"sentiment":"neutral","sentiment_score":-0.10420881708463033},{"text":"Well, thank you very much for taking a few minutes to do your annual review with me this morning.","start":24.185001,"end":28.02,"sentiment":"neutral","sentiment_score":0.2764759510755539},{"text":"Before I get stuck into it, I'm just gonna go through a quick security check.","start":29.54,"end":32.760002,"sentiment":"neutral","sentiment_score":0.021359043195843697}],"sentiment":"neutral","sentiment_score":0.18202874468018612,"num_words":48,"start":9.76,"end":32.760002},{"sentences":[{"text":"And basically today, gonna go through the strategies, changing circumstances, and details, and just sort of see what we need to do, if that's alright.","start":32.82,"end":41.48,"sentiment":"neutral","sentiment_score":0.02908477619290352},{"text":"Beautiful.","start":43.14,"end":43.64,"sentiment":"positive","sentiment_score":0.3691233694553375},{"text":"So I'm registered with ASIC as adviser 1273105.","start":43.835003,"end":47.995003,"sentiment":"neutral","sentiment_score":0.09124218951910734},{"text":"Could you please confirm your date of birth and address?","start":47.995003,"end":50.495003,"sentiment":"neutral","sentiment_score":0.04298201464116573},{"text":"Sensational.","start":63.29,"end":63.79,"sentiment":"neutral","sentiment_score":0.038675855845212936}],"sentiment":"neutral","sentiment_score":0.0509928065041701,"num_words":45,"start":32.82,"end":63.79},{"sentences":[{"text":"Thank you very much for that.","start":64.09,"end":65.45,"sentiment":"positive","sentiment_score":0.3527691811323166},{"text":"Mate, now I've got a few details open in front of me that I wanted to run through.","start":65.45,"end":69.285,"sentiment":"neutral","sentiment_score":0.039726833916372724},{"text":"But before I do, is there anything in particular you're hoping to get out of today's review?","start":69.44501,"end":74.345,"sentiment":"neutral","sentiment_score":-0.0848916694521904},{"text":"Fair enough.","start":88.43,"end":89.41,"sentiment":"neutral","sentiment_score":-0.13011711090803146},{"text":"Yep.","start":99.07,"end":99.375,"sentiment":"neutral","sentiment_score":-0.22015893459320068}],"sentiment":"neutral","sentiment_score":0.02063969454982064,"num_words":44,"start":64.09,"end":99.375},{"sentences":[{"text":"Oh, no.","start":106.335,"end":106.895,"sentiment":"neutral","sentiment_score":-0.21216140687465668},{"text":"The double hit.","start":106.895,"end":107.955,"sentiment":"negative","sentiment_score":-0.34327232837677},{"text":"Yeah.","start":119.47,"end":119.97,"sentiment":"neutral","sentiment_score":-0.22649064660072327},{"text":"No.","start":131.08499,"end":131.245,"sentiment":"neutral","sentiment_score":-0.07714001834392548},{"text":"That's totally fair enough.","start":131.245,"end":132.525,"sentiment":"neutral","sentiment_score":0.06570563209243119}],"sentiment":"neutral","sentiment_score":-0.13590435776859522,"num_words":11,"start":106.335,"end":132.525},{"sentences":[{"text":"And I did see a note there from Michelle that you might even be looking at changing things up quite a bit to maybe do some with the truck driving, bit of bit of local stuff.","start":132.525,"end":140.98001,"sentiment":"neutral","sentiment_score":0.13981482345196936},{"text":"Yep.","start":146.8,"end":147.3,"sentiment":"neutral","sentiment_score":0.13857446610927582},{"text":"Oh, no.","start":157.375,"end":158.115,"sentiment":"neutral","sentiment_score":-0.2491990327835083},{"text":"Yeah.","start":171.21,"end":171.45001,"sentiment":"neutral","sentiment_score":0.02448960766196251},{"text":"And switch it up a little bit rather than trying to just keep pushing uphill in the current industry kind of thing.","start":171.45001,"end":179.615,"sentiment":"neutral","sentiment_score":-0.009556876156817783}],"sentiment":"neutral","sentiment_score":0.07238303833911496,"num_words":62,"start":132.525,"end":179.615},{"sentences":[{"text":"Okay.","start":179.615,"end":180.015,"sentiment":"neutral","sentiment_score":0.18968841433525083},{"text":"So in a bit of a holding pattern for the time being, and my job space, we're just to make sure that the super just keeps moving in the background for you so you don't have to worry about it and while you sort of get back on the feet and everything.","start":180.015,"end":191.875,"sentiment":"neutral","sentiment_score":0.2545188289995377},{"text":"Is there anything that I can, like, specifically help you with today where you would want an extra conversation outside of just, you know, reviewing the super?","start":192.12001,"end":201.18001,"sentiment":"neutral","sentiment_score":0.16651813823867728},{"text":"Yep.","start":223.79001,"end":224.29001,"sentiment":"neutral","sentiment_score":0.10442596673965454},{"text":"Yep.","start":244.285,"end":244.65,"sentiment":"neutral","sentiment_score":0.01219308376312256}],"sentiment":"neutral","sentiment_score":0.21996678421046675,"num_words":82,"start":179.615,"end":244.65},{"sentences":[{"text":"With a bit of an opt in or something like that.","start":244.65,"end":246.75,"sentiment":"neutral","sentiment_score":0.0017714102498509667},{"text":"The old knockback.","start":292.785,"end":293.765,"sentiment":"neutral","sentiment_score":-0.09351259718338649},{"text":"Yep.","start":309.415,"end":309.915,"sentiment":"neutral","sentiment_score":-0.10614165663719176},{"text":"Uh-huh.","start":320.13498,"end":320.63498,"sentiment":"neutral","sentiment_score":-0.16869983077049255},{"text":"Yep.","start":324.77002,"end":325.27002,"sentiment":"neutral","sentiment_score":-0.12458711862564088}],"sentiment":"neutral","sentiment_score":-0.0388518167550073,"num_words":17,"start":244.65,"end":325.27002},{"sentences":[{"text":"Yeah.","start":351.83002,"end":352.23,"sentiment":"neutral","sentiment_score":0.08552907407283783},{"text":"Absolutely.","start":352.23,"end":352.73,"sentiment":"neutral","sentiment_score":0.1654241681098938},{"text":"So outside of getting the old time machine to skip a thousand years, I do have a few thoughts.","start":352.95,"end":357.93002,"sentiment":"neutral","sentiment_score":0.008655655933053872},{"text":"So first thing is when it comes to the rest cover, there's two types of ways you can lose the cover, and that's either a low balance or an inactive account.","start":358.79,"end":368.445,"sentiment":"neutral","sentiment_score":-0.14665641924065928},{"text":"So, you know, no contributions for eighteen months is usually the cutoff.","start":368.505,"end":373.085,"sentiment":"neutral","sentiment_score":-0.16031855655213198}],"sentiment":"neutral","sentiment_score":-0.09460564015898854,"num_words":64,"start":351.83002,"end":373.085},{"sentences":[{"text":"And if it goes below 6,000 is the other sort of risk.","start":373.625,"end":377.95,"sentiment":"neutral","sentiment_score":-0.17363866542776427},{"text":"Some super funds have one opt in for both, and some have two where you've got to kind of make sure it's protected in both circumstances.","start":378.57,"end":388.715,"sentiment":"neutral","sentiment_score":-0.057139311344004594},{"text":"So I would hazard that the cover is still there, and I believe were you sending through a bit of an updated statement through, or have you already done so?","start":389.015,"end":396.555,"sentiment":"neutral","sentiment_score":-0.14951641658941905},{"text":"Yep.","start":416.015,"end":416.335,"sentiment":"neutral","sentiment_score":0.08435337245464325},{"text":"Go for it.","start":416.335,"end":417.23502,"sentiment":"neutral","sentiment_score":0.05855680319170157}],"sentiment":"neutral","sentiment_score":-0.10826048327402936,"num_words":72,"start":373.625,"end":417.23502},{"sentences":[{"text":"I can so far.","start":418.095,"end":419.315,"sentiment":"positive","sentiment_score":0.3376442492008209},{"text":"Yep.","start":437.31,"end":437.565,"sentiment":"neutral","sentiment_score":-0.08135270327329636},{"text":"To hub now.","start":470.155,"end":471.115,"sentiment":"neutral","sentiment_score":0.0067036353672544164},{"text":"Yeah.","start":471.115,"end":471.615,"sentiment":"neutral","sentiment_score":0.03373751789331436},{"text":"So do that old sweep across once it goes above that balance, that kind of thing.","start":471.755,"end":476.85,"sentiment":"neutral","sentiment_score":-0.013116714195348322}],"sentiment":"neutral","sentiment_score":0.04452821161597967,"num_words":25,"start":418.095,"end":476.85},{"sentences":[{"text":"So, basically, if you've only just gone to the unemployment, your your funds and your insurances will be protected.","start":477.09,"end":484.23,"sentiment":"neutral","sentiment_score":0.006809404610018981},{"text":"I'm gonna have a look through that rundown to see whether what the risks are, if any.","start":484.85,"end":491.025,"sentiment":"neutral","sentiment_score":0.04124418887145379},{"text":"And if it's all still protected, I'll I'll kind of get back to you straight away on that one.","start":491.025,"end":494.94498,"sentiment":"neutral","sentiment_score":0.07723065877431318},{"text":"But I'm just gonna have a little hunt around for those details.","start":494.94498,"end":497.285,"sentiment":"neutral","sentiment_score":0.03860531530032555},{"text":"When it comes to the next employer, so their default fund will definitely give you default cover, and that's one way of kind of bumping things up a little bit.","start":497.585,"end":507.44,"sentiment":"neutral","sentiment_score":0.049913471254209675}],"sentiment":"neutral","sentiment_score":0.04390289006543528,"num_words":97,"start":477.09,"end":507.44},{"sentences":[{"text":"But I would definitely love to have a bit of a comparison around when you find out what fund they're with, if possible.","start":507.74,"end":514.09503,"sentiment":"neutral","sentiment_score":0.17374048965132755},{"text":"So what I would like to do is if you get accepted for something, just ask them what their default super fund is.","start":514.875,"end":519.85504,"sentiment":"neutral","sentiment_score":0.14621561571307803},{"text":"Give us a quick buzz to let us know.","start":520.155,"end":522.155,"sentiment":"neutral","sentiment_score":0.1905131141344706},{"text":"I can go through their PDFs and figure out what they're gonna give you likely.","start":522.155,"end":525.85504,"sentiment":"neutral","sentiment_score":0.14358122696479161},{"text":"And that way, I can go to kinda see, is it gonna be more than rest?","start":526.47504,"end":530.79,"sentiment":"neutral","sentiment_score":0.095462636789307}],"sentiment":"neutral","sentiment_score":0.148310802833632,"num_words":86,"start":507.74,"end":530.79},{"sentences":[{"text":"Is it gonna be in a similar amount so you can kind of have both running and give you some further advice there?","start":530.85,"end":536.85,"sentiment":"neutral","sentiment_score":0.11638635558926541},{"text":"So if you're okay to kind of touch base when you know what fund it's gonna be, just let us know, and I can kind of break down the details for you.","start":536.85,"end":547.555,"sentiment":"neutral","sentiment_score":0.0856361499754712},{"text":"Cool.","start":547.555,"end":548.055,"sentiment":"neutral","sentiment_score":0.2436155378818512},{"text":"Yes.","start":565.0,"end":565.5,"sentiment":"neutral","sentiment_score":0.21172893047332764},{"text":"Yeah.","start":573.64496,"end":574.14496,"sentiment":"neutral","sentiment_score":0.018178658559918404}],"sentiment":"neutral","sentiment_score":0.10156493283936689,"num_words":58,"start":530.85,"end":574.14496},{"sentences":[{"text":"Yeah.","start":588.26,"end":588.76,"sentiment":"neutral","sentiment_score":-0.009706879034638405},{"text":"Yep.","start":602.83496,"end":603.33496,"sentiment":"neutral","sentiment_score":0.05382683128118515},{"text":"So that's perfect because your contributions were going to rest and, like, nothing's going to the hub, which is great, which means it's all been going in there.","start":618.41003,"end":626.125,"sentiment":"positive","sentiment_score":0.592151826513665},{"text":"That's all been opted into, so you don't have to worry about it just clicking off in the background while you're job hunting.","start":626.265,"end":631.565,"sentiment":"positive","sentiment_score":0.3948841807634934},{"text":"That will be there pretty I wouldn't say indefinitely because, let's say, ten years down the road, they'll probably have expired some sort of opt in or something, but you're at least sweet for the next year and a half, if not longer.","start":631.865,"end":643.65,"sentiment":"neutral","sentiment_score":0.11606271287729573}],"sentiment":"neutral","sentiment_score":0.3197646240199295,"num_words":96,"start":588.26,"end":643.65},{"sentences":[{"text":"Cool.","start":647.79004,"end":648.19,"sentiment":"neutral","sentiment_score":0.29123377799987793},{"text":"So when I look at that, they had $400 of life insurance, only a $120 of TPD, and a little bit of income protection.","start":648.19,"end":657.785,"sentiment":"neutral","sentiment_score":0.06770012201741338},{"text":"Now when you get back into employment, that income protection can still kind of cover you as well.","start":659.285,"end":666.505,"sentiment":"neutral","sentiment_score":0.0995314431687196},{"text":"So I would need to see how much TPD cover the next fund's gonna give you because a 100 grand's a bit low.","start":666.64496,"end":672.94,"sentiment":"neutral","sentiment_score":0.028867455604283707},{"text":"Some funds offer equal amounts, which is a lot better, and then also just comparing the income protection so you're not doubling up on policies.","start":673.16003,"end":679.98004,"sentiment":"neutral","sentiment_score":0.08018728002905845}],"sentiment":"neutral","sentiment_score":0.07006852926461252,"num_words":91,"start":647.79004,"end":679.98004},{"sentences":[{"text":"Okay.","start":682.605,"end":683.105,"sentiment":"neutral","sentiment_score":0.09002100676298141},{"text":"Cool.","start":684.605,"end":685.105,"sentiment":"neutral","sentiment_score":0.22076156735420227},{"text":"Let me have a quick look.","start":693.64496,"end":695.005,"sentiment":"neutral","sentiment_score":0.015409765454630056},{"text":"I don't have the the email in front of me, but I do have where it was sitting plus your contributions.","start":695.005,"end":701.32,"sentiment":"neutral","sentiment_score":-0.06248877499075163},{"text":"So if I have a little look see, let's say you did the 10,000 there and those contributions going in from February twelve months, it would probably be sitting around about the 20 mark from what I would see.","start":701.7,"end":717.885,"sentiment":"neutral","sentiment_score":-0.041373816915811636}],"sentiment":"neutral","sentiment_score":-0.03709708775996285,"num_words":68,"start":682.605,"end":717.885},{"sentences":[{"text":"So when we go through the super now, what I'll basically do is I can put together just a little bit of an updated plan to say, okay.","start":733.16,"end":740.725,"sentiment":"neutral","sentiment_score":0.11738631368747779},{"text":"We'll move across this much and possibly update some of the investments inside the hub.","start":740.725,"end":745.865,"sentiment":"neutral","sentiment_score":0.12441699951887131},{"text":"And then if you're comfortable with both of those things, we can basically do rollovers and investments, which is all in the background for you.","start":745.925,"end":753.52997,"sentiment":"neutral","sentiment_score":0.10953634887933732},{"text":"So I'll kind of leave you to the job hunting for a little bit while I put together that research and comparison because there was a couple of things I was looking at in the hub as well, and I wanna just combine both into one document for you.","start":755.75,"end":770.015,"sentiment":"neutral","sentiment_score":0.13853345233566908},{"text":"K.","start":770.015,"end":770.41504,"sentiment":"neutral","sentiment_score":0.07758286595344543}],"sentiment":"neutral","sentiment_score":0.1250610383764162,"num_words":118,"start":733.16,"end":770.41504},{"sentences":[{"text":"Now I'll double check with Michelle straight after this call just to see if we do have a third party authority to call rest to do a further breakdown.","start":770.41504,"end":777.315,"sentiment":"neutral","sentiment_score":0.033335367988409664},{"text":"If not, we will see what emails have come through.","start":777.775,"end":780.09503,"sentiment":"neutral","sentiment_score":0.008701685443520546},{"text":"If I need to get one more forwarded through, I'll get her to give you a buzz straight away.","start":780.09503,"end":785.67,"sentiment":"neutral","sentiment_score":0.07686148799563709},{"text":"Cool.","start":785.67,"end":786.17,"sentiment":"neutral","sentiment_score":0.3194494843482971},{"text":"When it comes to to the other circumstances just briefly, so I'm just double checking if anything else has changed.","start":786.55,"end":793.26996,"sentiment":"neutral","sentiment_score":0.005897224321961403}],"sentiment":"neutral","sentiment_score":0.037360819858274885,"num_words":79,"start":770.41504,"end":793.26996},{"sentences":[{"text":"You're still married with the one son?","start":793.26996,"end":795.45,"sentiment":"neutral","sentiment_score":-0.004834389314055443},{"text":"Yep.","start":797.35,"end":797.85,"sentiment":"neutral","sentiment_score":0.14818894863128662},{"text":"Perfect.","start":797.91,"end":798.41,"sentiment":"positive","sentiment_score":0.3794322609901428},{"text":"Assets and liabilities wise, we've got the the car, personal loan, and credit card were the main three and a little bit of savings.","start":799.085,"end":806.465,"sentiment":"neutral","sentiment_score":0.0697750214797755},{"text":"Yep.","start":812.125,"end":812.625,"sentiment":"neutral","sentiment_score":-0.11725249141454697}],"sentiment":"neutral","sentiment_score":0.060327309074209017,"num_words":34,"start":793.26996,"end":812.625},{"sentences":[{"text":"Amazing.","start":822.76,"end":823.26,"sentiment":"positive","sentiment_score":0.6942456960678101},{"text":"That's some silver linings for you there, Aaron.","start":823.96,"end":826.14,"sentiment":"neutral","sentiment_score":0.22826241329312325},{"text":"Aaron.","start":833.255,"end":833.41504,"sentiment":"neutral","sentiment_score":0.10545694828033449},{"text":"Yep.","start":833.41504,"end":833.91504,"sentiment":"neutral","sentiment_score":0.14103226363658905},{"text":"Yeah.","start":848.57,"end":849.07,"sentiment":"neutral","sentiment_score":0.0764995813369751}],"sentiment":"neutral","sentiment_score":0.23694448297222456,"num_words":12,"start":822.76,"end":849.07},{"sentences":[{"text":"Yeah.","start":864.345,"end":864.845,"sentiment":"neutral","sentiment_score":0.03364427015185356},{"text":"Cool.","start":881.615,"end":881.855,"sentiment":"neutral","sentiment_score":0.3195291757583618},{"text":"So, hopefully, what will basically line up for you guys, which I'm I'm hoping will be the case, is you get into those next roles.","start":881.855,"end":888.89496,"sentiment":"neutral","sentiment_score":0.23987237393856048},{"text":"You've got some contracts.","start":888.89496,"end":890.01495,"sentiment":"neutral","sentiment_score":0.1094508245587349},{"text":"You give them to the brokers and banks.","start":890.01495,"end":892.495,"sentiment":"neutral","sentiment_score":0.10702767595648766}],"sentiment":"neutral","sentiment_score":0.19600019231438637,"num_words":39,"start":864.345,"end":892.495},{"sentences":[{"text":"They get approval for all the mortgage and everything, and then you're hopefully in that new in that new unit sooner rather than later, and it's not delayed another couple of years.","start":892.495,"end":901.62,"sentiment":"neutral","sentiment_score":0.16719870455563068},{"text":"So the next few months will be pretty big for you guys for sure.","start":901.62,"end":905.80005,"sentiment":"neutral","sentiment_score":0.10275004325168473},{"text":"Yep.","start":927.51996,"end":928.01996,"sentiment":"neutral","sentiment_score":0.06335998326539993},{"text":"Thirty three.","start":932.72,"end":933.77997,"sentiment":"neutral","sentiment_score":0.026996556669473648},{"text":"Thirty 5.","start":934.0,"end":934.56,"sentiment":"neutral","sentiment_score":0.02155938372015953}],"sentiment":"neutral","sentiment_score":0.13626139245781244,"num_words":51,"start":892.495,"end":934.56},{"sentences":[{"text":"Yeah.","start":934.56,"end":935.06,"sentiment":"neutral","sentiment_score":0.05350053682923317},{"text":"Yeah.","start":952.345,"end":952.65,"sentiment":"neutral","sentiment_score":-0.04603927955031395},{"text":"Yeah.","start":968.535,"end":969.035,"sentiment":"neutral","sentiment_score":-0.186995267868042},{"text":"Look.","start":969.255,"end":969.495,"sentiment":"neutral","sentiment_score":-0.07159672677516937},{"text":"All in all Yeah.","start":969.495,"end":972.95496,"sentiment":"neutral","sentiment_score":-0.06435428373515606}],"sentiment":"neutral","sentiment_score":-0.06356848403811455,"num_words":8,"start":934.56,"end":972.95496},{"sentences":[{"text":"And Moving areas is is possibly a silver lining as well.","start":973.175,"end":977.575,"sentiment":"neutral","sentiment_score":0.27612449635158887},{"text":"But like you just said, there's always a plan a, b, and c in terms of whether they can sell the unit or hardship or anything like that.","start":977.575,"end":984.72003,"sentiment":"neutral","sentiment_score":-0.043042087324595614},{"text":"So if it gets to that point where you need access to super funds to help keep that going, please just give us a call, and we'll help you through the process, especially if you get letters of you know, letters from creditors saying we're we're coming after assets and funds and things like that.","start":984.72003,"end":1003.175,"sentiment":"neutral","sentiment_score":0.060634153200821446},{"text":"Just get on to us straight away, and we can take you through that process if that's gonna be the best for you k.","start":1003.175,"end":1011.09,"sentiment":"neutral","sentiment_score":0.20325097534805536},{"text":"So I'm gonna put a flag on the file just so in case you do call in, everyone's kind of aware that there may be a future compassionate ground or hardship release pending.","start":1011.09,"end":1021.75,"sentiment":"neutral","sentiment_score":0.0741607966748151}],"sentiment":"neutral","sentiment_score":0.08273112012878282,"num_words":151,"start":973.175,"end":1021.75},{"sentences":[{"text":"That way, everyone knows.","start":1022.37,"end":1024.395,"sentiment":"neutral","sentiment_score":0.2048991248011589},{"text":"And look, to be honest, I'm not gonna try and predict the future, but these things have a funny way of kind of working out where it's like you're at your your rock bottom and all of a sudden things start lining up and you get that next job, you get the approval, and then you look back and go, wow.","start":1026.535,"end":1038.93,"sentiment":"neutral","sentiment_score":-0.01212472893053391},{"text":"Wasn't that a fun period to go through?","start":1039.17,"end":1041.1101,"sentiment":"neutral","sentiment_score":-0.03224213467910886},{"text":"But then you're off to the other side.","start":1041.17,"end":1042.6901,"sentiment":"neutral","sentiment_score":-0.012314021354541183},{"text":"So just remember it is temporary, and a year from now, things will be a lot different.","start":1042.6901,"end":1047.1901,"sentiment":"neutral","sentiment_score":-0.0005990994327208575}],"sentiment":"neutral","sentiment_score":-0.002924958205952936,"num_words":98,"start":1022.37,"end":1047.1901},{"sentences":[{"text":"Awesome.","start":1050.05,"end":1050.55,"sentiment":"positive","sentiment_score":0.4501717686653137},{"text":"Mate, I'm not gonna change anything else now.","start":1050.6901,"end":1053.565,"sentiment":"neutral","sentiment_score":0.05076530855149031},{"text":"The only thing I'm gonna basically do is, again, just just look at that rest fund.","start":1053.625,"end":1057.485,"sentiment":"neutral","sentiment_score":0.06460827274713665},{"text":"And just with the super, I'm gonna send you through an annual review pack just so you can have a little look, see about how everything's going.","start":1057.785,"end":1065.42,"sentiment":"neutral","sentiment_score":0.08995667941592357},{"text":"Basically, it's it's growing pretty well without the contributions coming in.","start":1065.74,"end":1069.18,"sentiment":"neutral","sentiment_score":0.06386264125731858}],"sentiment":"neutral","sentiment_score":0.0797039047474899,"num_words":63,"start":1050.05,"end":1069.18},{"sentences":[{"text":"Like, the the market's kind of dipped with the fuel crisis and the war and everything, and it bounced back from a $103 up to a 114 plus what you've been accumulating and growing in rest along side it as well.","start":1069.18,"end":1082.5249,"sentiment":"neutral","sentiment_score":0.05095748662403444},{"text":"Now it was a very good move that Dana kind of moved you from that Netwealth platform and portfolio because the portfolio you were in, that was like a growth one, four out of five on the risk scale.","start":1084.0249,"end":1094.82,"sentiment":"neutral","sentiment_score":0.2945992778509091},{"text":"And you've been moved into a high growth one, which is higher risk but higher long term returns.","start":1095.1399,"end":1100.12,"sentiment":"neutral","sentiment_score":0.12122415834003025},{"text":"But I've just done a bit of quick comparison between the two.","start":1100.5,"end":1103.3999,"sentiment":"neutral","sentiment_score":0.029277241478363674},{"text":"And if you'd remained in the previous one, you actually would have been in the negative this year, but you're actually up about seven and a half percent after fees in growth.","start":1103.62,"end":1111.895,"sentiment":"neutral","sentiment_score":-0.02650073979748413}],"sentiment":"neutral","sentiment_score":0.10749272438107242,"num_words":142,"start":1069.18,"end":1111.895},{"sentences":[{"text":"So the quality was just there in what she recommended.","start":1112.435,"end":1115.735,"sentiment":"positive","sentiment_score":0.5605898320674896},{"text":"While you are in the situation that you're in, I do wanna make one further change while I'm doing the rest, which is one of the Australian share funds have kind of been dragging its feet and going into the negative, but all your other investment options have been kind of kicking out the lights.","start":1118.515,"end":1132.99,"sentiment":"neutral","sentiment_score":-0.14542923925275153},{"text":"What I normally do in these situations is I usually switch some of these funds if they're not doing too well into a lower fee passive option where I can just lower the investment fees, keep the returns really strong, and just kind of do an engine tune up if that makes sense.","start":1134.4099,"end":1157.78,"sentiment":"neutral","sentiment_score":0.11741218397850697},{"text":"Yeah.","start":1157.78,"end":1158.1,"sentiment":"neutral","sentiment_score":0.07912209630012512},{"text":"That's the one.","start":1158.1,"end":1158.9,"sentiment":"neutral","sentiment_score":0.11320021996895473}],"sentiment":"neutral","sentiment_score":0.03482671040033952,"num_words":122,"start":1112.435,"end":1158.9},{"sentences":[{"text":"So all the other, like, gold and American shares and property and everything is kind of double digits, which is good.","start":1158.9,"end":1164.475,"sentiment":"neutral","sentiment_score":0.25766397090185256},{"text":"And then Better Long's kind of just been dropping down a little bit further than the other Australian shares options.","start":1164.475,"end":1169.775,"sentiment":"neutral","sentiment_score":0.06666974555701018},{"text":"So I think with the high fees that it attracts, you're probably better off going to something a little bit lower fees, but still that double digit returns.","start":1170.075,"end":1178.7201,"sentiment":"neutral","sentiment_score":-0.03592144139111042},{"text":"As long as you're still comfortable, obviously, with that high growth approach, you know, you're trying to build you that million dollars and get as much returns as possible.","start":1181.5,"end":1188.645,"sentiment":"positive","sentiment_score":0.48436289511877917},{"text":"It's gonna go up and down like a bit of a yo yo, up and down 10, $2,030,000 dollars a year.","start":1188.645,"end":1193.625,"sentiment":"neutral","sentiment_score":0.2790734533752714}],"sentiment":"neutral","sentiment_score":0.21550928084414547,"num_words":119,"start":1158.9,"end":1193.625},{"sentences":[{"text":"But our idea, of course, is that when you get closer to that age 60 to access your super, we can reduce the risk down once you've actually built the nest egg.","start":1193.765,"end":1202.46,"sentiment":"neutral","sentiment_score":0.29411511262878776},{"text":"Egg.","start":1205.34,"end":1205.58,"sentiment":"neutral","sentiment_score":0.3129997253417969},{"text":"Sounds good?","start":1205.58,"end":1206.2999,"sentiment":"positive","sentiment_score":0.3998613655567169},{"text":"K.","start":1206.2999,"end":1206.7799,"sentiment":"neutral","sentiment_score":0.13492904603481293},{"text":"So I'll put that together.","start":1206.7799,"end":1208.24,"sentiment":"neutral","sentiment_score":0.1796252340078354}],"sentiment":"neutral","sentiment_score":0.2818892994304983,"num_words":41,"start":1193.765,"end":1208.24},{"sentences":[{"text":"What I will do as well, I'm gonna send out that annual review pack and, like, service agreement and so on.","start":1209.1,"end":1216.095,"sentiment":"neutral","sentiment_score":0.23030821482340494},{"text":"Just make sure that's all still active so we can actually have access to the accounts and move things around.","start":1216.335,"end":1222.115,"sentiment":"neutral","sentiment_score":0.27404422536492345},{"text":"I'm just gonna double check as well ID because that's a funny one that kind of clicks off sometimes.","start":1223.135,"end":1229.25,"sentiment":"neutral","sentiment_score":-0.05799793863767072},{"text":"So just bear with me for a quick second.","start":1229.39,"end":1231.33,"sentiment":"neutral","sentiment_score":0.006148325693276193},{"text":"Amazing.","start":1236.11,"end":1236.61,"sentiment":"neutral","sentiment_score":0.25876301527023315}],"sentiment":"neutral","sentiment_score":0.13613563044262783,"num_words":70,"start":1209.1,"end":1236.61},{"sentences":[{"text":"Perfect.","start":1241.15,"end":1241.65,"sentiment":"positive","sentiment_score":0.6489288806915283},{"text":"Alright.","start":1242.11,"end":1242.59,"sentiment":"positive","sentiment_score":0.3884008824825287},{"text":"20Third.","start":1242.59,"end":1243.23,"sentiment":"positive","sentiment_score":0.38665929436683655},{"text":"Amazing.","start":1243.23,"end":1243.63,"sentiment":"positive","sentiment_score":0.6972376704216003},{"text":"So that'll be what we can certify to get all of that information and get the movements going.","start":1243.63,"end":1248.5249,"sentiment":"positive","sentiment_score":0.5399210155010223}],"sentiment":"positive","sentiment_score":0.538172954862768,"num_words":22,"start":1241.15,"end":1248.5249},{"sentences":[{"text":"So, basically, from here, Aaron, is I will basically put this plan together over the next week or so.","start":1248.5249,"end":1254.7849,"sentiment":"neutral","sentiment_score":0.28634697512576457},{"text":"Michelle will just get you booked back in for a quick fifteen minute chat with me just to run through the figures and the document, make sure you're comfortable with the changes, and then we can clean that up in the background for you.","start":1255.005,"end":1265.24,"sentiment":"neutral","sentiment_score":0.3100615773688663},{"text":"Last thing I wanted to do just as a bit of housekeeping, I think Michelle may have mentioned, but just in terms of beneficiaries to make sure all the super, all the life insurance is going where they need to go, I'm assuming you still want it all to go to your partner.","start":1267.9401,"end":1282.655,"sentiment":"neutral","sentiment_score":0.09511933742829089},{"text":"Was that kind of your intention all the way along for all super funds?","start":1283.72,"end":1286.9401,"sentiment":"neutral","sentiment_score":0.0982453626181398},{"text":"Yeah.","start":1313.75,"end":1314.25,"sentiment":"neutral","sentiment_score":0.002824174240231514}],"sentiment":"neutral","sentiment_score":0.19467851958941412,"num_words":131,"start":1248.5249,"end":1314.25},{"sentences":[{"text":"So the way that usually works is let's say let's say that the double negative happens.","start":1314.31,"end":1320.3301,"sentiment":"neutral","sentiment_score":-0.04758279328234494},{"text":"All the super fund goes between what's in place, which is, you know, beneficiaries to go between each other and so on.","start":1321.03,"end":1327.485,"sentiment":"neutral","sentiment_score":-0.0076706180856986475},{"text":"I need you to send out the hub form for that.","start":1327.485,"end":1329.8251,"sentiment":"neutral","sentiment_score":0.00474913248961622},{"text":"But, basically, it will then flow through to your next of kin, which would be your son, and whoever is his guardian would essentially control the funds on his behalf until he's 18.","start":1329.885,"end":1351.2,"sentiment":"neutral","sentiment_score":0.026890146715397186},{"text":"Yeah.","start":1359.275,"end":1359.675,"sentiment":"neutral","sentiment_score":-0.020123329013586044}],"sentiment":"neutral","sentiment_score":-0.00012754602918782867,"num_words":83,"start":1314.31,"end":1359.675},{"sentences":[{"text":"So the most easiest ones is obviously lawyers.","start":1359.675,"end":1362.3351,"sentiment":"neutral","sentiment_score":0.072180958930403},{"text":"You've got the courthouse and the public trustee for the state, and then you've got the old post office will kits.","start":1362.635,"end":1368.44,"sentiment":"neutral","sentiment_score":0.02835250778922013},{"text":"They're about $25.","start":1368.44,"end":1369.9199,"sentiment":"neutral","sentiment_score":0.02418436234196027},{"text":"And then you've got a post office and solicitor bound power of attorney.","start":1369.9199,"end":1375.4199,"sentiment":"neutral","sentiment_score":0.019015811383724213},{"text":"So power of attorney is medical and financial decisions if you can't act like you're in the hospital unconscious, whereas the will is if you pass away.","start":1375.7999,"end":1384.7949,"sentiment":"neutral","sentiment_score":-0.06428909067202497}],"sentiment":"neutral","sentiment_score":-0.0033777288626879454,"num_words":72,"start":1359.675,"end":1384.7949},{"sentences":[{"text":"So my recommendation always is to just get both in place because, you know, $25 each.","start":1384.855,"end":1389.735,"sentiment":"neutral","sentiment_score":0.10487643489614129},{"text":"And that way, if you're in a coma, everything's looked after, especially, let's say, you get the job and the mortgage, someone can access the bank account, talk to the doctors, and then the will for your assets, your son, all that kind of thing.","start":1389.735,"end":1402.45,"sentiment":"neutral","sentiment_score":0.014447043575799196},{"text":"Cool.","start":1404.99,"end":1405.3099,"sentiment":"positive","sentiment_score":0.6011483073234558},{"text":"So we'll send that out.","start":1405.3099,"end":1406.59,"sentiment":"neutral","sentiment_score":0.25414307713508605},{"text":"Do you want me to email through the beneficiary form to print out or just post it there so you've got a hard copy with a return envelope?","start":1406.59,"end":1413.2849,"sentiment":"neutral","sentiment_score":0.15882765501737595}],"sentiment":"neutral","sentiment_score":0.09102292581825934,"num_words":95,"start":1384.855,"end":1413.2849},{"sentences":[{"text":"Yep.","start":1417.745,"end":1418.065,"sentiment":"neutral","sentiment_score":0.12921641767024994},{"text":"Okay.","start":1418.065,"end":1418.565,"sentiment":"neutral","sentiment_score":0.1255585253238678},{"text":"And, again, just with that, it needs to be because it's a legal document, you've gotta do a wet signature with a pen and just get it witnessed by two people who aren't your beneficiary.","start":1419.0249,"end":1428.35,"sentiment":"neutral","sentiment_score":0.08973044252821377},{"text":"Yeah.","start":1435.53,"end":1435.85,"sentiment":"neutral","sentiment_score":0.12029004096984865},{"text":"Correct.","start":1435.85,"end":1436.35,"sentiment":"neutral","sentiment_score":0.240617111325264}],"sentiment":"neutral","sentiment_score":0.0963140406096593,"num_words":39,"start":1417.745,"end":1436.35},{"sentences":[{"text":"Cool.","start":1438.33,"end":1438.725,"sentiment":"positive","sentiment_score":0.5059190392494202},{"text":"Do you have any preference, like, you can set the beneficiary to expire every three years or just be continuous until you change it?","start":1438.965,"end":1445.225,"sentiment":"neutral","sentiment_score":0.09920916613191366},{"text":"Some people like being forced to look at it.","start":1445.445,"end":1447.525,"sentiment":"neutral","sentiment_score":-0.023626530542969704},{"text":"Some people just want it set and forget.","start":1447.525,"end":1449.385,"sentiment":"neutral","sentiment_score":0.04030114458873868},{"text":"Yep.","start":1452.965,"end":1453.38,"sentiment":"neutral","sentiment_score":0.04971074312925339}],"sentiment":"neutral","sentiment_score":0.07084698026436706,"num_words":43,"start":1438.33,"end":1453.38},{"sentences":[{"text":"And a bit of a weird question, but you can actually choose for it to be legally binding, so the super fund and insurer has to do it, or nonbinding, which gives the trustee discretion on where things go.","start":1453.62,"end":1465.08,"sentiment":"neutral","sentiment_score":0.015504527192276258},{"text":"Yeah.","start":1465.395,"end":1465.895,"sentiment":"neutral","sentiment_score":0.01689349114894867},{"text":"Yeah.","start":1476.035,"end":1476.275,"sentiment":"neutral","sentiment_score":-0.00838492438197136},{"text":"That's the most common one is just non lapsing binding.","start":1476.275,"end":1480.1,"sentiment":"neutral","sentiment_score":-0.0009881433099508286},{"text":"Just means it's very specific and everything's kind of locked in.","start":1480.1,"end":1483.24,"sentiment":"neutral","sentiment_score":0.016826017082414844}],"sentiment":"neutral","sentiment_score":0.012715965839883974,"num_words":62,"start":1453.62,"end":1483.24},{"sentences":[{"text":"Again, when you get blended families and things like that, it's just kind of like, hey.","start":1483.54,"end":1487.0599,"sentiment":"neutral","sentiment_score":0.14255557861179113},{"text":"Super fun look.","start":1487.0599,"end":1488.02,"sentiment":"neutral","sentiment_score":0.29806774854660034},{"text":"Here's what I'm thinking.","start":1488.02,"end":1489.16,"sentiment":"neutral","sentiment_score":0.11415763013064861},{"text":"You figure it out, then off you go.","start":1489.22,"end":1491.9349,"sentiment":"neutral","sentiment_score":0.05263671185821295},{"text":"Cool.","start":1493.995,"end":1494.395,"sentiment":"neutral","sentiment_score":0.2803957462310791}],"sentiment":"neutral","sentiment_score":0.13541288953274488,"num_words":32,"start":1483.54,"end":1494.395},{"sentences":[{"text":"Alright.","start":1494.395,"end":1494.895,"sentiment":"neutral","sentiment_score":0.17271171510219574},{"text":"So we'll keep it a bit of a holding pattern on the super funds.","start":1495.035,"end":1498.235,"sentiment":"neutral","sentiment_score":0.1744185835123062},{"text":"I'm gonna make sure that I leave a sufficient buffer in the rest funds just to make sure that if this continues on for a long period of time, again, there's little risk of lapsing due to, you know, stock market crashes or something like that.","start":1498.235,"end":1510.2999,"sentiment":"neutral","sentiment_score":0.09999525594226409},{"text":"And then in that document that I put together, I'll kind of update some projections and figures just so you know how much is gonna go where.","start":1510.52,"end":1517.855,"sentiment":"neutral","sentiment_score":0.08255354797950497},{"text":"Cool.","start":1519.995,"end":1520.495,"sentiment":"positive","sentiment_score":0.3569158911705017}],"sentiment":"neutral","sentiment_score":0.11011477914871648,"num_words":89,"start":1494.395,"end":1520.495},{"sentences":[{"text":"Alright.","start":1520.555,"end":1520.9551,"sentiment":"neutral","sentiment_score":0.1203637570142746},{"text":"Any questions so far on what we've talked about?","start":1520.9551,"end":1523.295,"sentiment":"neutral","sentiment_score":0.04479732198847665},{"text":"Cool.","start":1526.235,"end":1526.635,"sentiment":"neutral","sentiment_score":0.1547892987728119},{"text":"So what you'll get today is basically the annual review pack service agreement.","start":1526.635,"end":1531.08,"sentiment":"neutral","sentiment_score":0.17330148414923593},{"text":"Now we're gonna be moving on to a tiered fee structure next year.","start":1531.22,"end":1536.44,"sentiment":"neutral","sentiment_score":0.15789909202318925}],"sentiment":"neutral","sentiment_score":0.13470098497094335,"num_words":37,"start":1520.555,"end":1536.44},{"sentences":[{"text":"So at the moment, the usual was the 1.65% for the super, but we're gonna tier it so that anyone above 200,000 starts to get fee discounts.","start":1536.6599,"end":1546.375,"sentiment":"neutral","sentiment_score":0.047574099636188256},{"text":"So in your next annual review, you'll start to approach those figures, and we'll start applying that new tier structure next year as well.","start":1546.9149,"end":1554.775,"sentiment":"neutral","sentiment_score":0.07710477368285258},{"text":"Cool.","start":1557.235,"end":1557.63,"sentiment":"neutral","sentiment_score":0.3220265507698059},{"text":"Did you end up getting your password reset email from Hub?","start":1557.87,"end":1560.75,"sentiment":"neutral","sentiment_score":0.07958786087957295},{"text":"We did a bit of a trigger to get that off to you.","start":1560.75,"end":1562.75,"sentiment":"neutral","sentiment_score":0.03042047585432346}],"sentiment":"neutral","sentiment_score":0.06221019033048498,"num_words":76,"start":1536.6599,"end":1562.75},{"sentences":[{"text":"I don't know if that came through okay.","start":1562.75,"end":1564.61,"sentiment":"neutral","sentiment_score":-0.022415641462430358},{"text":"Amazing.","start":1568.75,"end":1569.23,"sentiment":"positive","sentiment_score":0.4472269117832184},{"text":"Okay.","start":1569.23,"end":1569.55,"sentiment":"positive","sentiment_score":0.3397844731807709},{"text":"Cool.","start":1569.55,"end":1569.87,"sentiment":"positive","sentiment_score":0.45133477449417114},{"text":"So that's all sorted.","start":1569.87,"end":1570.79,"sentiment":"positive","sentiment_score":0.35041170567274094}],"sentiment":"neutral","sentiment_score":0.16404452336331207,"num_words":15,"start":1562.75,"end":1570.79},{"sentences":[{"text":"It's just basically the beneficiaries, and I can see Michelle coming back from a bit of morning tea.","start":1570.79,"end":1576.655,"sentiment":"neutral","sentiment_score":0.27565951231453156},{"text":"So I'll check with her on the rest details as well.","start":1576.655,"end":1579.155,"sentiment":"neutral","sentiment_score":0.19793841513720425},{"text":"Awesome.","start":1581.375,"end":1581.775,"sentiment":"positive","sentiment_score":0.4604793190956116},{"text":"Aramae, any last questions for me before I let you go, sir?","start":1581.775,"end":1584.595,"sentiment":"neutral","sentiment_score":0.15001319162547588},{"text":"Cool.","start":1587.215,"end":1587.615,"sentiment":"neutral","sentiment_score":0.12309131026268004}],"sentiment":"neutral","sentiment_score":0.2214633190008097,"num_words":43,"start":1570.79,"end":1587.615},{"sentences":[{"text":"Alright.","start":1587.615,"end":1588.11,"sentiment":"neutral","sentiment_score":0.12896186113357544},{"text":"Last thing for me, goals wise that I'm gonna include in that document is basically just stabilizing the cash flow, getting into the property, possibly maybe go on your holiday and cruise one day when everything settles down a little bit, and then just growing the super and reviewing the insurances at the earliest point that we can.","start":1588.59,"end":1606.005,"sentiment":"neutral","sentiment_score":0.14494612864379225},{"text":"Yep.","start":1627.76,"end":1628.025,"sentiment":"neutral","sentiment_score":0.05955345183610916},{"text":"Amazing.","start":1648.12,"end":1648.62,"sentiment":"positive","sentiment_score":0.7255221605300903},{"text":"And we do have a few clients that have been doing that as well.","start":1648.68,"end":1651.66,"sentiment":"neutral","sentiment_score":0.30319121905735563}],"sentiment":"neutral","sentiment_score":0.18087453335523607,"num_words":75,"start":1587.615,"end":1651.66},{"sentences":[{"text":"And expatriate advice is kind of fun for us, probably not right and important for you right now.","start":1651.7201,"end":1657.335,"sentiment":"neutral","sentiment_score":0.2620685895284017},{"text":"But once you go to another country and you've got funds being managed in Australia or you bring funds across and exchange rates and assets and home purchases and so on, there's heaps of different things to consider and do.","start":1657.395,"end":1668.06,"sentiment":"neutral","sentiment_score":0.12854220727458596},{"text":"So I'll make sure that's kind of the the Northern Star target at the end of it.","start":1668.3,"end":1673.1201,"sentiment":"neutral","sentiment_score":0.19455853542860815},{"text":"Awesome, Aaron.","start":1675.66,"end":1676.38,"sentiment":"positive","sentiment_score":0.7326363921165466},{"text":"Look.","start":1676.38,"end":1676.6201,"sentiment":"positive","sentiment_score":0.6402059197425842}],"sentiment":"neutral","sentiment_score":0.19579354754816264,"num_words":78,"start":1651.7201,"end":1676.6201},{"sentences":[{"text":"I really appreciate you taking the time.","start":1676.6201,"end":1678.06,"sentiment":"positive","sentiment_score":0.8037921360560826},{"text":"I know you've got a lot of things to deal with, so thank you for carving out that time with me this morning.","start":1678.06,"end":1682.595,"sentiment":"positive","sentiment_score":0.5461900998716769},{"text":"And we will be in touch over the fortnight for any other details we need, and then I'll get all the super rolling again in that next document.","start":1683.635,"end":1691.3948,"sentiment":"positive","sentiment_score":0.42685420491865705},{"text":"Thanks, mate.","start":1694.1748,"end":1694.8948,"sentiment":"positive","sentiment_score":0.7966829836368561},{"text":"Have a great day.","start":1694.8948,"end":1695.7948,"sentiment":"positive","sentiment_score":0.7762241065502167}],"sentiment":"positive","sentiment_score":0.5443608965724707,"num_words":64,"start":1676.6201,"end":1695.7948},{"sentences":[{"text":"Bye.","start":1697.6948,"end":1698.1948,"sentiment":"neutral","sentiment_score":-0.07965512573719025}],"sentiment":"neutral","sentiment_score":-0.07965512573719025,"num_words":1,"start":1697.6948,"end":1698.1948}]}}]},{"alternatives":[{"transcript":"Hello. Aaron speaking. Yeah. Going alright. How are you? Yeah. It was pretty foggy this morning, but not wet, I'd say. No. Just foggy and and overcast. Yeah. Yeah. No worries. Sure thing. Yep. 06/27/1990, and my address is 28 Don Mills Avenue, Hebersham, New South Wales 2770. No. Not not really. Unless you unless you have a job for me because I'm unemployed. So yeah. So that's that's about it. Yeah. So it's yep. We yeah. Our circumstances have changed drastically in the last few weeks, but I, yeah, I sort of lost my job, and and my wife was also made redundant as well. So, yep, we're in the double hit. And and really, sadly for us, we have a our unit that's been built being built for, like, the last three years and delayed two years is due in about, I don't know, about a couple of months from now. So yep. So, yeah, not not great timing for for the Edwards household at the moment. So yeah. Yeah. That's right. Yes. I I I did some I just came back from a job interview this morning. So yeah. Yeah. I don't know. The AI and IT is not like, lots lots of IT people have lost their jobs due to AI. So yeah. So yeah. So I think it it was a con a contributor to my downfall. So I thought, yeah, what could be a a job that's AI proof? Yeah. That's right. Yep. Sure thing. Yeah. So I I just need to double check as well. So when I do start at a new place, which super details do I give them? Because we have this whole thing where we're trying to keep my balances current. So so my so we we had we had a minimum balance we're trying to keep in rest to keep my insurance active. Every now and then, I I sort of get an email from them suggesting that there might be a I I I don't know, that I haven't contributed to rest in a while and and therefore but, you know, they're still keeping my cover current for a little bit. I thought we fixed that last time. Yeah. Yeah. So yeah. So I just wanna just double check that that, yeah, insurances are still there. But but then also, I think at my next role, whatever it is, I should try to opt for whatever super fund they have so that I can get the get get whatever health insurances they have in that super fund because, yeah, you know, we we we tried when I initially went to Netwealth, we tried to do a a yeah. Yeah. To to to move me on to Netwealth's, you know, health coverage. But, yeah, they sent a sent a lovely nurse out, and and it was all friendly. But then, yeah, basically, they said, yeah. Yeah. No one would insure you in the next thousand years. So so yes. So fair enough. I have a typical IT guy's physique. So yeah. So yeah. So those are those are the sorts of conversations I'm thinking about because yeah. Because the the the I think the insurance cover is too low for rest. And, yeah, I didn't realize this whole time that I probably could've when I was at Fujifilm, Fujifilm had Mercer, I think, or something along those lines, I could've could've probably transferred across to Mercer and and got a higher coverage then. So, yeah, it's a little bit a little bit disappointing that I I didn't think of that at the time. So I'm hoping that yeah. I don't know. What what do you think along those lines? First of all, am I currently covered at reps? And and then, yeah, secondly, what should I do for increasing my health cover? Is is that a good approach to switch to a different super fund depending on who I who my next employer is? Yeah. Yep. Sure. Yep. Yep. I think I I sent through I don't know what the the last email that I got from but it it wasn't a statement on there. So yeah. But yeah. So I I thought now I'm gonna try and unplug my phone and hope that it still continues on Bluetooth. So, hopefully, you're still there. You can still hear me. Good. Excellent. Fine. Yeah. Good. Okay. And yeah. So, yeah, so I I I recall that we had a little bit of a scare a little while back where where we realized that I was in danger of losing it because I wasn't contributing to it. I thought I was following, like, you's advice at the time, but that's okay. And so and so then I think we then updated my super because because I thought I thought the plan was supposed to be that I keep getting paid into rest, and then I think I think you guys would then every time it so sorta any any anything in excess of $15 or whatever it was or $10, you guys would then arrange to move into into it was Netwealth at the time, but I think it changed to something else. Hub Hub twenty four. Yeah. Yep. Yep. Yeah. Yep. Stop me. Yeah. Yep. Sure thing. Yep. Yep. Yeah. No worries. Yeah. So the last email I had was from at June 24. So yeah. So I I guess it's good. It it's good because it it it said so rest just said we recently heard from Taco that you're no longer employed there. So so that's good. So that must mean that I must have been contributing regularly into rest before. So I hope that's still the case. But, yeah, but, unfortunately, when you're job hunting, I've got a thousand emails when I search for the word super, a thousand emails because they all are offering overtime plus super plus whatever. So yeah. So I'm gonna gonna struggle to find anything else from from risk, unfortunately, so in my inbox. Oh, here's something from. Good news. You're still covered. Yeah. So this was a little little bit surprising. So this email came on the thirtieth, and it said, yeah, you let us know on June 19 that you wanted to keep your rest insurance covered with. Yeah. So it looks like it looks like what they were just sending me just a reminder that I'm still covered? Okay. Cool. So yeah. Alright. Cool. Yeah. So that's yeah. Yep. Yep. Yeah. Okay. Yeah. Sounds good. Yeah. Cool. Sure. Yep. Yep. Okay. Yeah. Sounds good. Yeah. No worries. Yeah. Do you know the balance of of the rest of the rest account at the moment, or you you don't have that info yourself? Yeah. Right. But yeah. And then it should be yeah. What's what's the process then that you guys are doing to transfer the the excess amount into into Hub 24? Yep. Yep. Okay. Sure thing. Yep. Yep. Okay. Yeah. Sounds good. Yep. Sure thing. Yep. Correct. Yeah. So so I believe we've now paid off the car, so we don't have a personal loan anymore. I I don't have any debt in my name now, apparently, so that's that's that's a first in my life. So it's alright. Yeah. We yeah. Yeah. So then we we still got my my my wife still got a card in her name, which is, I think, about $10.10 grand or whatever. But, yeah, our our big thing is we we we signed the what is it? The exchange contract for this unit to be built. So that was that was over a couple of years ago. And and, yeah, and then in the next couple of months so, yeah, we've we've already got a mortgage broker. It was it it came along with the yeah. You know? So the real estate agent, the solicitor, the mortgage broker, they're all together, which I don't know if that's a good thing or a bad thing. But yeah. So but but yeah. So in the next couple of months, we'll be getting going for the preapproval for our mortgage, and our mortgage will end up being about 580,000 or something. Yep. Yes. Yeah. That's right. Yeah. And then we have we have the danger of if we don't get approved for a loan. I think our contract says that they can so, yeah, we we we lose the holding deposit that we've got there so that I don't know what what Sorry. Not holding. But what whatever money we've got in in in the trust fund, which is the 5% of the loan. So it's 5% of about, like, $6.60 or something or whatever. So it's about about $35.30 5 to $40. Yeah. Something something along those lines. Yep. So we've got that. So, yeah, we'd lose that, but then I believe the contract says that they can then come after us for the remaining 5%. But, hopefully, they wouldn't do it because they can sell the unit for a lot more now. And and also and also, I think we can claim some sort of financial hardship or something along those lines. So we might we might be able to avoid that, but my wife is absolutely horrified at the idea of losing the unit. So I'm less horrified because it means that we can move somewhere else. So we can leave Sydney. Yeah. Something. Yep. Yep. Sounds good. No worries. Yep. Yep. Yeah. Thank you. Awesome. Yeah. Thank you. Yep. Yeah. Sounds good. Yeah. Right. Cool. Awesome. That's good to hear. Yeah. Sure. Yep. Yep. So I think Michelle mentioned Ben along or something. Is that is that the one that is not performing? Or Yep. Yep. Yeah. Sounds good. Yep. Yep. Sounds good. Yep. Yep. I just yeah. Michelle asked me to send through my updated driver's license because it had just expired. So yep. So I've sent that through a few days ago. Yep. Sounds good. Yeah. So that's that's definitely the case for all super funds. I don't know if it's worth like, is there a is there something there that happens if something happened to both of us? Is there a a provision for who's a backup or in case something happens to her or or I mean, it'll just probably go to our son anyway, but he's four. So, yeah, don't know what happens there. Yeah. Yeah. And so we need to I I don't think we've we've put anything in writing about who his guardian is. So we need to probably who his guardian could be. So I think we need to probably work on that. At some point, that's not something you'd probably help with. That's something we just have to go get a what a wheel from the post office or something. Is that the the thought there? Yeah. Yep. Yep. Yeah. Yep. Okay. Sounds good. Yep. Good idea. Emailing, I think, is fine. Yep. Okay. Alright. And that's the same process, obviously, with the with it being mailed through as well. Yeah? Yep. Sounds good. I think continuous is fine. Yep. Interesting. Yeah. That is a weird question. Yeah. I'd I'd say it has to be lit yeah. I'd say legally binding. Yeah. I can't see why not. I must have multiple kids or something. Yeah. Yeah. Yeah. Yep. Yep. Yep. Sounds good. Cool. No. No. No further questions. Okay. Yep. Okay. Understood. Yeah. Yeah. Yeah. And I think I'd I I I reset it already. Yep. Awesome. Sounds good. No. Nothing further. Yep. Yep. Sounds good. Yep. That's all. Short, medium term. I'm I still have I don't know if if it's if it's ever been documented there, but I I you know, I've I've been looking into how to you know, I give given my wife's Filipino, how to potentially retire by moving to The Philippines at 50 is my is my thought there. So that's that's that is a goal I'm I'm having to work towards. A bit hard to work towards that when you don't have a job at the moment. But, yeah, that's that's still in the in the top of my mind is to is is to, yeah, to to retire early by moving to where it's much cheaper to live. Okay. Yeah. Awesome. Sounds good. No worries. Sounds good. Thank you very much. Thank you. You too. 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Aaron speaking. Yeah. Going alright. How are you?\n\nYeah. It was pretty foggy this morning, but not wet, I'd say. No. Just foggy and and overcast. Yeah.\n\nYeah. No worries. Sure thing. Yep. 06/27/1990, and my address is 28 Don Mills Avenue, Hebersham, New South Wales 2770.\n\nNo. Not not really. Unless you unless you have a job for me because I'm unemployed. So yeah. So that's that's about it.\n\nYeah. So it's yep. We yeah. Our circumstances have changed drastically in the last few weeks, but I, yeah, I sort of lost my job, and and my wife was also made redundant as well. So, yep, we're in the double hit.\n\nAnd and really, sadly for us, we have a our unit that's been built being built for, like, the last three years and delayed two years is due in about, I don't know, about a couple of months from now. So yep. So, yeah, not not great timing for for the Edwards household at the moment. So yeah. Yeah.\n\nThat's right. Yes. I I I did some I just came back from a job interview this morning. So yeah. Yeah.\n\nI don't know. The AI and IT is not like, lots lots of IT people have lost their jobs due to AI. So yeah. So yeah. So I think it it was a con a contributor to my downfall.\n\nSo I thought, yeah, what could be a a job that's AI proof? Yeah. That's right. Yep. Sure thing.\n\nYeah. So I I just need to double check as well. So when I do start at a new place, which super details do I give them? Because we have this whole thing where we're trying to keep my balances current. So so my so we we had we had a minimum balance we're trying to keep in rest to keep my insurance active.\n\nEvery now and then, I I sort of get an email from them suggesting that there might be a I I I don't know, that I haven't contributed to rest in a while and and therefore but, you know, they're still keeping my cover current for a little bit. I thought we fixed that last time. Yeah. Yeah. So yeah.\n\nSo I just wanna just double check that that, yeah, insurances are still there. But but then also, I think at my next role, whatever it is, I should try to opt for whatever super fund they have so that I can get the get get whatever health insurances they have in that super fund because, yeah, you know, we we we tried when I initially went to Netwealth, we tried to do a a yeah. Yeah. To to to move me on to Netwealth's, you know, health coverage. But, yeah, they sent a sent a lovely nurse out, and and it was all friendly.\n\nBut then, yeah, basically, they said, yeah. Yeah. No one would insure you in the next thousand years. So so yes. So fair enough.\n\nI have a typical IT guy's physique. So yeah. So yeah. So those are those are the sorts of conversations I'm thinking about because yeah. Because the the the I think the insurance cover is too low for rest.\n\nAnd, yeah, I didn't realize this whole time that I probably could've when I was at Fujifilm, Fujifilm had Mercer, I think, or something along those lines, I could've could've probably transferred across to Mercer and and got a higher coverage then. So, yeah, it's a little bit a little bit disappointing that I I didn't think of that at the time. So I'm hoping that yeah. I don't know. What what do you think along those lines?\n\nFirst of all, am I currently covered at reps? And and then, yeah, secondly, what should I do for increasing my health cover? Is is that a good approach to switch to a different super fund depending on who I who my next employer is? Yeah. Yep.\n\nSure. Yep. Yep. I think I I sent through I don't know what the the last email that I got from but it it wasn't a statement on there. So yeah.\n\nBut yeah. So I I thought now I'm gonna try and unplug my phone and hope that it still continues on Bluetooth. So, hopefully, you're still there. You can still hear me. Good.\n\nExcellent. Fine. Yeah. Good. Okay.\n\nAnd yeah. So, yeah, so I I I recall that we had a little bit of a scare a little while back where where we realized that I was in danger of losing it because I wasn't contributing to it. I thought I was following, like, you's advice at the time, but that's okay. And so and so then I think we then updated my super because because I thought I thought the plan was supposed to be that I keep getting paid into rest, and then I think I think you guys would then every time it so sorta any any anything in excess of $15 or whatever it was or $10, you guys would then arrange to move into into it was Netwealth at the time, but I think it changed to something else. Hub Hub twenty four.\n\nYeah. Yep. Yep. Yeah. Yep.\n\nStop me. Yeah. Yep. Sure thing. Yep.\n\nYep. Yeah. No worries. Yeah. So the last email I had was from at June 24.\n\nSo yeah. So I I guess it's good. It it's good because it it it said so rest just said we recently heard from Taco that you're no longer employed there. So so that's good. So that must mean that I must have been contributing regularly into rest before.\n\nSo I hope that's still the case. But, yeah, but, unfortunately, when you're job hunting, I've got a thousand emails when I search for the word super, a thousand emails because they all are offering overtime plus super plus whatever. So yeah. So I'm gonna gonna struggle to find anything else from from risk, unfortunately, so in my inbox. Oh, here's something from.\n\nGood news. You're still covered. Yeah. So this was a little little bit surprising. So this email came on the thirtieth, and it said, yeah, you let us know on June 19 that you wanted to keep your rest insurance covered with.\n\nYeah. So it looks like it looks like what they were just sending me just a reminder that I'm still covered? Okay. Cool. So yeah.\n\nAlright. Cool. Yeah. So that's yeah. Yep.\n\nYep. Yeah. Okay. Yeah. Sounds good.\n\nYeah. Cool. Sure. Yep. Yep.\n\nOkay. Yeah. Sounds good. Yeah. No worries.\n\nYeah. Do you know the balance of of the rest of the rest account at the moment, or you you don't have that info yourself? Yeah. Right. But yeah.\n\nAnd then it should be yeah. What's what's the process then that you guys are doing to transfer the the excess amount into into Hub 24? Yep. Yep. Okay.\n\nSure thing. Yep. Yep. Okay. Yeah.\n\nSounds good. Yep. Sure thing. Yep. Correct.\n\nYeah. So so I believe we've now paid off the car, so we don't have a personal loan anymore. I I don't have any debt in my name now, apparently, so that's that's that's a first in my life. So it's alright. Yeah.\n\nWe yeah. Yeah. So then we we still got my my my wife still got a card in her name, which is, I think, about $10.10 grand or whatever. But, yeah, our our big thing is we we we signed the what is it? The exchange contract for this unit to be built.\n\nSo that was that was over a couple of years ago. And and, yeah, and then in the next couple of months so, yeah, we've we've already got a mortgage broker. It was it it came along with the yeah. You know? So the real estate agent, the solicitor, the mortgage broker, they're all together, which I don't know if that's a good thing or a bad thing.\n\nBut yeah. So but but yeah. So in the next couple of months, we'll be getting going for the preapproval for our mortgage, and our mortgage will end up being about 580,000 or something. Yep. Yes.\n\nYeah. That's right. Yeah. And then we have we have the danger of if we don't get approved for a loan. I think our contract says that they can so, yeah, we we we lose the holding deposit that we've got there so that I don't know what what Sorry.\n\nNot holding. But what whatever money we've got in in in the trust fund, which is the 5% of the loan. So it's 5% of about, like, $6.60 or something or whatever. So it's about about $35.30 5 to $40. Yeah.\n\nSomething something along those lines. Yep. So we've got that. So, yeah, we'd lose that, but then I believe the contract says that they can then come after us for the remaining 5%. But, hopefully, they wouldn't do it because they can sell the unit for a lot more now.\n\nAnd and also and also, I think we can claim some sort of financial hardship or something along those lines. So we might we might be able to avoid that, but my wife is absolutely horrified at the idea of losing the unit. So I'm less horrified because it means that we can move somewhere else. So we can leave Sydney. Yeah.\n\nSomething. Yep. Yep. Sounds good. No worries.\n\nYep. Yep. Yeah. Thank you. Awesome.\n\nYeah. Thank you. Yep. Yeah. Sounds good.\n\nYeah. Right. Cool. Awesome. That's good to hear.\n\nYeah. Sure. Yep. Yep. So I think Michelle mentioned Ben along or something.\n\nIs that is that the one that is not performing? Or Yep. Yep. Yeah. Sounds good.\n\nYep. Yep. Sounds good. Yep. Yep.\n\nI just yeah. Michelle asked me to send through my updated driver's license because it had just expired. So yep. So I've sent that through a few days ago. Yep.\n\nSounds good. Yeah. So that's that's definitely the case for all super funds. I don't know if it's worth like, is there a is there something there that happens if something happened to both of us? Is there a a provision for who's a backup or in case something happens to her or or I mean, it'll just probably go to our son anyway, but he's four.\n\nSo, yeah, don't know what happens there. Yeah. Yeah. And so we need to I I don't think we've we've put anything in writing about who his guardian is. So we need to probably who his guardian could be.\n\nSo I think we need to probably work on that. At some point, that's not something you'd probably help with. That's something we just have to go get a what a wheel from the post office or something. Is that the the thought there? Yeah.\n\nYep. Yep. Yeah. Yep. Okay.\n\nSounds good. Yep. Good idea. Emailing, I think, is fine. Yep.\n\nOkay. Alright. And that's the same process, obviously, with the with it being mailed through as well. Yeah? Yep.\n\nSounds good. I think continuous is fine. Yep. Interesting. Yeah.\n\nThat is a weird question. Yeah. I'd I'd say it has to be lit yeah. I'd say legally binding. Yeah.\n\nI can't see why not. I must have multiple kids or something. Yeah. Yeah. Yeah.\n\nYep. Yep. Yep. Sounds good. Cool.\n\nNo. No. No further questions. Okay. Yep.\n\nOkay. Understood. Yeah. Yeah. Yeah.\n\nAnd I think I'd I I I reset it already. Yep. Awesome. Sounds good. No.\n\nNothing further. Yep. Yep. Sounds good. Yep.\n\nThat's all. Short, medium term. I'm I still have I don't know if if it's if it's ever been documented there, but I I you know, I've I've been looking into how to you know, I give given my wife's Filipino, how to potentially retire by moving to The Philippines at 50 is my is my thought there. So that's that's that is a goal I'm I'm having to work towards. A bit hard to work towards that when you don't have a job at the moment.\n\nBut, yeah, that's that's still in the in the top of my mind is to is is to, yeah, to to retire early by moving to where it's much cheaper to live. Okay. Yeah. Awesome. Sounds good.\n\nNo worries. Sounds good. Thank you very much. Thank you. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.88,"sentiment":"neutral","sentiment_score":0.023620476946234703},{"text":"Aaron speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.02777776960283518},{"text":"Yeah.","start":6.64,"end":6.96,"sentiment":"neutral","sentiment_score":0.10968215763568878},{"text":"Going alright.","start":6.96,"end":7.44,"sentiment":"neutral","sentiment_score":0.18106435239315033},{"text":"How are you?","start":7.44,"end":8.18,"sentiment":"neutral","sentiment_score":0.174643208583196}],"sentiment":"neutral","sentiment_score":0.11943516714705361,"num_words":9,"start":0.39999998,"end":8.18},{"sentences":[{"text":"Yeah.","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.34270191192626953},{"text":"It was pretty foggy this morning, but not wet, I'd say.","start":15.2,"end":19.815,"sentiment":"neutral","sentiment_score":-0.14215019345283508},{"text":"No.","start":19.815,"end":19.975,"sentiment":"neutral","sentiment_score":-0.1897118091583252},{"text":"Just foggy and and overcast.","start":19.975,"end":21.835,"sentiment":"neutral","sentiment_score":-0.1482820302248001},{"text":"Yeah.","start":25.095001,"end":25.595001,"sentiment":"neutral","sentiment_score":0.2423478662967682}],"sentiment":"neutral","sentiment_score":-0.10051180579160389,"num_words":19,"start":9.04,"end":25.595001},{"sentences":[{"text":"Yeah.","start":28.295,"end":28.455,"sentiment":"neutral","sentiment_score":0.07096567004919052},{"text":"No worries.","start":28.455,"end":29.07,"sentiment":"neutral","sentiment_score":0.06280335411429405},{"text":"Sure thing.","start":41.87,"end":42.465,"sentiment":"neutral","sentiment_score":0.1924753114581108},{"text":"Yep.","start":51.025,"end":51.345,"sentiment":"neutral","sentiment_score":0.008753541857004166},{"text":"06/27/1990, and my address is 28 Don Mills Avenue, Hebersham, New South Wales 2770.","start":51.345,"end":62.579998,"sentiment":"neutral","sentiment_score":0.020253784688455716}],"sentiment":"neutral","sentiment_score":0.043691476434469224,"num_words":20,"start":28.295,"end":62.579998},{"sentences":[{"text":"No.","start":80.145,"end":80.545,"sentiment":"neutral","sentiment_score":-0.2556273937225342},{"text":"Not not really.","start":80.545,"end":81.685,"sentiment":"neutral","sentiment_score":-0.25702489415804547},{"text":"Unless you unless you have a job for me because I'm unemployed.","start":81.905,"end":87.37,"sentiment":"neutral","sentiment_score":-0.3014554704229037},{"text":"So yeah.","start":88.39,"end":89.990005,"sentiment":"neutral","sentiment_score":-0.1355803832411766},{"text":"So that's that's about it.","start":89.990005,"end":91.43,"sentiment":"neutral","sentiment_score":-0.14306411743164063}],"sentiment":"neutral","sentiment_score":-0.24481082934400308,"num_words":23,"start":80.145,"end":91.43},{"sentences":[{"text":"Yeah.","start":91.43,"end":91.75,"sentiment":"neutral","sentiment_score":-0.11804983019828796},{"text":"So it's yep.","start":91.75,"end":93.270004,"sentiment":"neutral","sentiment_score":-0.17579102516174316},{"text":"We yeah.","start":93.270004,"end":94.810005,"sentiment":"neutral","sentiment_score":-0.21861259639263153},{"text":"Our circumstances have changed drastically in the last few weeks, but I, yeah, I sort of lost my job, and and my wife was also made redundant as well.","start":95.270004,"end":106.255005,"sentiment":"negative","sentiment_score":-0.3559514782552061},{"text":"So, yep, we're in the double hit.","start":106.255005,"end":109.135,"sentiment":"neutral","sentiment_score":-0.28876049390860964}],"sentiment":"neutral","sentiment_score":-0.31968010536261965,"num_words":42,"start":91.43,"end":109.135},{"sentences":[{"text":"And and really, sadly for us, we have a our unit that's been built being built for, like, the last three years and delayed two years is due in about, I don't know, about a couple of months from now.","start":109.135,"end":125.75,"sentiment":"negative","sentiment_score":-0.3554857589304447},{"text":"So yep.","start":125.75,"end":126.47,"sentiment":"neutral","sentiment_score":0.05502288229763508},{"text":"So, yeah, not not great timing for for the Edwards household at the moment.","start":126.47,"end":130.665,"sentiment":"neutral","sentiment_score":-0.11191940866410732},{"text":"So yeah.","start":131.685,"end":140.745,"sentiment":"neutral","sentiment_score":0.04569898545742035},{"text":"Yeah.","start":141.3,"end":141.54001,"sentiment":"neutral","sentiment_score":0.12736734747886658}],"sentiment":"neutral","sentiment_score":-0.26199137280553075,"num_words":59,"start":109.135,"end":141.54001},{"sentences":[{"text":"That's right.","start":141.54001,"end":142.02,"sentiment":"neutral","sentiment_score":0.18561115860939026},{"text":"Yes.","start":142.02,"end":142.34001,"sentiment":"neutral","sentiment_score":0.21265310049057007},{"text":"I I I did some I just came back from a job interview this morning.","start":142.34001,"end":145.94,"sentiment":"neutral","sentiment_score":0.1570514460404714},{"text":"So yeah.","start":145.94,"end":147.24,"sentiment":"neutral","sentiment_score":0.16373993456363678},{"text":"Yeah.","start":147.3,"end":147.8,"sentiment":"neutral","sentiment_score":0.04408807307481766}],"sentiment":"neutral","sentiment_score":0.15767690716754823,"num_words":21,"start":141.54001,"end":147.8},{"sentences":[{"text":"I don't know.","start":147.86,"end":148.42001,"sentiment":"neutral","sentiment_score":-0.0716802900036176},{"text":"The AI and IT is not like, lots lots of IT people have lost their jobs due to AI.","start":148.42001,"end":156.765,"sentiment":"negative","sentiment_score":-0.3529631213137978},{"text":"So yeah.","start":157.005,"end":159.425,"sentiment":"neutral","sentiment_score":-0.1867479458451271},{"text":"So yeah.","start":159.565,"end":160.205,"sentiment":"neutral","sentiment_score":-0.12765446305274963},{"text":"So I think it it was a con a contributor to my downfall.","start":160.205,"end":164.285,"sentiment":"negative","sentiment_score":-0.35538889926213485}],"sentiment":"neutral","sentiment_score":-0.31205642777375686,"num_words":39,"start":147.86,"end":164.285},{"sentences":[{"text":"So I thought, yeah, what could be a a job that's AI proof?","start":164.285,"end":170.465,"sentiment":"neutral","sentiment_score":-0.1478666915343358},{"text":"Yeah.","start":178.2,"end":178.51999,"sentiment":"neutral","sentiment_score":0.06799447536468506},{"text":"That's right.","start":178.51999,"end":179.26,"sentiment":"neutral","sentiment_score":0.1993727758526802},{"text":"Yep.","start":183.23999,"end":183.73999,"sentiment":"neutral","sentiment_score":0.2373618930578232},{"text":"Sure thing.","start":192.46501,"end":193.205,"sentiment":"neutral","sentiment_score":0.17120884358882904}],"sentiment":"neutral","sentiment_score":-0.04609196750741256,"num_words":19,"start":164.285,"end":193.205},{"sentences":[{"text":"Yeah.","start":201.84001,"end":202.16,"sentiment":"neutral","sentiment_score":0.11021046340465546},{"text":"So I I just need to double check as well.","start":202.16,"end":206.1,"sentiment":"neutral","sentiment_score":0.10255292207002639},{"text":"So when I do start at a new place, which super details do I give them?","start":207.36,"end":211.92001,"sentiment":"neutral","sentiment_score":0.08765940647572279},{"text":"Because we have this whole thing where we're trying to keep my balances current.","start":211.92001,"end":218.81499,"sentiment":"neutral","sentiment_score":0.056636574545076916},{"text":"So so my so we we had we had a minimum balance we're trying to keep in rest to keep my insurance active.","start":219.275,"end":225.375,"sentiment":"neutral","sentiment_score":0.06588386258353358}],"sentiment":"neutral","sentiment_score":0.07572704798076302,"num_words":64,"start":201.84001,"end":225.375},{"sentences":[{"text":"Every now and then, I I sort of get an email from them suggesting that there might be a I I I don't know, that I haven't contributed to rest in a while and and therefore but, you know, they're still keeping my cover current for a little bit.","start":226.81,"end":241.945,"sentiment":"neutral","sentiment_score":-0.07452915145122276},{"text":"I thought we fixed that last time.","start":241.945,"end":244.045,"sentiment":"neutral","sentiment_score":-0.11009248771837779},{"text":"Yeah.","start":247.225,"end":247.625,"sentiment":"neutral","sentiment_score":0.06078094244003296},{"text":"Yeah.","start":247.625,"end":248.02501,"sentiment":"neutral","sentiment_score":0.07154880464076996},{"text":"So yeah.","start":248.02501,"end":248.425,"sentiment":"neutral","sentiment_score":0.0780927799642086}],"sentiment":"neutral","sentiment_score":-0.06890100880215565,"num_words":60,"start":226.81,"end":248.425},{"sentences":[{"text":"So I just wanna just double check that that, yeah, insurances are still there.","start":248.425,"end":253.725,"sentiment":"neutral","sentiment_score":0.08152315180216517},{"text":"But but then also, I think at my next role, whatever it is, I should try to opt for whatever super fund they have so that I can get the get get whatever health insurances they have in that super fund because, yeah, you know, we we we tried when I initially went to Netwealth, we tried to do a a yeah.","start":253.785,"end":281.365,"sentiment":"neutral","sentiment_score":0.10102290536967977},{"text":"Yeah.","start":281.42502,"end":281.585,"sentiment":"neutral","sentiment_score":0.059349656105041504},{"text":"To to to move me on to Netwealth's, you know, health coverage.","start":281.585,"end":284.78,"sentiment":"neutral","sentiment_score":0.04701980653529366},{"text":"But, yeah, they sent a sent a lovely nurse out, and and it was all friendly.","start":284.78,"end":288.86002,"sentiment":"positive","sentiment_score":0.3999648718163371}],"sentiment":"neutral","sentiment_score":0.13740732896895635,"num_words":105,"start":248.425,"end":288.86002},{"sentences":[{"text":"But then, yeah, basically, they said, yeah.","start":288.86002,"end":290.86002,"sentiment":"neutral","sentiment_score":0.013909041349376951},{"text":"Yeah.","start":290.86002,"end":291.1,"sentiment":"neutral","sentiment_score":-0.001444188877940178},{"text":"No one would insure you in the next thousand years.","start":291.1,"end":294.40002,"sentiment":"neutral","sentiment_score":-0.10339950136840344},{"text":"So so yes.","start":294.46002,"end":296.685,"sentiment":"neutral","sentiment_score":0.01854028304417928},{"text":"So fair enough.","start":296.685,"end":297.72498,"sentiment":"neutral","sentiment_score":0.044659181187550225}],"sentiment":"neutral","sentiment_score":-0.03118656335088114,"num_words":24,"start":288.86002,"end":297.72498},{"sentences":[{"text":"I have a typical IT guy's physique.","start":297.72498,"end":300.705,"sentiment":"neutral","sentiment_score":-0.01544593514076301},{"text":"So yeah.","start":301.16498,"end":303.72498,"sentiment":"neutral","sentiment_score":0.0022010738030076027},{"text":"So yeah.","start":303.72498,"end":304.125,"sentiment":"neutral","sentiment_score":0.0024350127205252647},{"text":"So those are those are the sorts of conversations I'm thinking about because yeah.","start":304.125,"end":307.805,"sentiment":"neutral","sentiment_score":-0.016574700163411244},{"text":"Because the the the I think the insurance cover is too low for rest.","start":307.805,"end":312.18,"sentiment":"neutral","sentiment_score":-0.25926047776426586}],"sentiment":"neutral","sentiment_score":-0.10155235548527577,"num_words":39,"start":297.72498,"end":312.18},{"sentences":[{"text":"And, yeah, I didn't realize this whole time that I probably could've when I was at Fujifilm, Fujifilm had Mercer, I think, or something along those lines, I could've could've probably transferred across to Mercer and and got a higher coverage then.","start":312.66,"end":324.36,"sentiment":"neutral","sentiment_score":-0.20259967925293104},{"text":"So, yeah, it's a little bit a little bit disappointing that I I didn't think of that at the time.","start":324.76498,"end":329.185,"sentiment":"negative","sentiment_score":-0.602040147781372},{"text":"So I'm hoping that yeah.","start":330.525,"end":332.285,"sentiment":"neutral","sentiment_score":-0.2875270962715149},{"text":"I don't know.","start":332.285,"end":332.76498,"sentiment":"neutral","sentiment_score":-0.20852282146612802},{"text":"What what do you think along those lines?","start":332.76498,"end":334.845,"sentiment":"neutral","sentiment_score":-0.0627337135374546}],"sentiment":"neutral","sentiment_score":-0.2963469633116172,"num_words":78,"start":312.66,"end":334.845},{"sentences":[{"text":"First of all, am I currently covered at reps?","start":334.845,"end":337.025,"sentiment":"neutral","sentiment_score":-0.03648735707004865},{"text":"And and then, yeah, secondly, what should I do for increasing my health cover?","start":338.62,"end":344.46002,"sentiment":"neutral","sentiment_score":-0.05616970333669867},{"text":"Is is that a good approach to switch to a different super fund depending on who I who my next employer is?","start":344.46002,"end":351.375,"sentiment":"neutral","sentiment_score":-0.0020273454825986514},{"text":"Yeah.","start":356.415,"end":356.735,"sentiment":"neutral","sentiment_score":0.1253571659326553},{"text":"Yep.","start":356.735,"end":357.235,"sentiment":"neutral","sentiment_score":0.11373895406723022}],"sentiment":"neutral","sentiment_score":-0.019580160445989446,"num_words":47,"start":334.845,"end":357.235},{"sentences":[{"text":"Sure.","start":358.575,"end":359.075,"sentiment":"neutral","sentiment_score":0.013619236648082731},{"text":"Yep.","start":365.535,"end":365.94,"sentiment":"neutral","sentiment_score":-0.08826275914907455},{"text":"Yep.","start":373.86002,"end":374.36002,"sentiment":"neutral","sentiment_score":-0.09679289907217026},{"text":"I think I I sent through I don't know what the the last email that I got from but it it wasn't a statement on there.","start":398.51,"end":406.185,"sentiment":"neutral","sentiment_score":-0.12912415569791427},{"text":"So yeah.","start":406.26498,"end":407.085,"sentiment":"neutral","sentiment_score":-0.052977291867136955}],"sentiment":"neutral","sentiment_score":-0.1172457759178454,"num_words":31,"start":358.575,"end":407.085},{"sentences":[{"text":"But yeah.","start":407.145,"end":407.625,"sentiment":"neutral","sentiment_score":-0.03297449555248022},{"text":"So I I thought now I'm gonna try and unplug my phone and hope that it still continues on Bluetooth.","start":407.625,"end":415.405,"sentiment":"neutral","sentiment_score":-0.009437673958018422},{"text":"So, hopefully, you're still there.","start":415.54498,"end":416.585,"sentiment":"neutral","sentiment_score":0.0673513025045395},{"text":"You can still hear me.","start":416.585,"end":417.465,"sentiment":"neutral","sentiment_score":0.06231295093894005},{"text":"Good.","start":417.465,"end":417.625,"sentiment":"positive","sentiment_score":0.4729152023792267}],"sentiment":"neutral","sentiment_score":0.02625860604034229,"num_words":33,"start":407.145,"end":417.625},{"sentences":[{"text":"Excellent.","start":417.625,"end":418.125,"sentiment":"positive","sentiment_score":0.554573655128479},{"text":"Fine.","start":418.68002,"end":419.18002,"sentiment":"positive","sentiment_score":0.35913196206092834},{"text":"Yeah.","start":419.72,"end":420.04,"sentiment":"neutral","sentiment_score":0.1985827386379242},{"text":"Good.","start":420.04,"end":420.36002,"sentiment":"neutral","sentiment_score":0.24281366169452667},{"text":"Okay.","start":420.36002,"end":420.86002,"sentiment":"neutral","sentiment_score":0.08856062591075897}],"sentiment":"neutral","sentiment_score":0.28873252868652344,"num_words":5,"start":417.625,"end":420.86002},{"sentences":[{"text":"And yeah.","start":422.36002,"end":423.88,"sentiment":"neutral","sentiment_score":0.018737448379397392},{"text":"So, yeah, so I I I recall that we had a little bit of a scare a little while back where where we realized that I was in danger of losing it because I wasn't contributing to it.","start":423.88,"end":436.755,"sentiment":"neutral","sentiment_score":-0.20222737669552626},{"text":"I thought I was following, like, you's advice at the time, but that's okay.","start":437.375,"end":441.555,"sentiment":"neutral","sentiment_score":-0.07098472650562014},{"text":"And so and so then I think we then updated my super because because I thought I thought the plan was supposed to be that I keep getting paid into rest, and then I think I think you guys would then every time it so sorta any any anything in excess of $15 or whatever it was or $10, you guys would then arrange to move into into it was Netwealth at the time, but I think it changed to something else.","start":441.855,"end":469.305,"sentiment":"neutral","sentiment_score":-0.05929248533552376},{"text":"Hub Hub twenty four.","start":469.60498,"end":470.965,"sentiment":"neutral","sentiment_score":0.0067717841593548656}],"sentiment":"neutral","sentiment_score":-0.09625605892589582,"num_words":140,"start":422.36002,"end":470.965},{"sentences":[{"text":"Yeah.","start":470.965,"end":471.465,"sentiment":"neutral","sentiment_score":0.03514804691076279},{"text":"Yep.","start":471.925,"end":472.425,"sentiment":"neutral","sentiment_score":0.025065971538424492},{"text":"Yep.","start":474.405,"end":474.905,"sentiment":"neutral","sentiment_score":0.005279649049043655},{"text":"Yeah.","start":477.4,"end":477.9,"sentiment":"neutral","sentiment_score":-0.02373259514570236},{"text":"Yep.","start":491.895,"end":492.395,"sentiment":"neutral","sentiment_score":0.0697147399187088}],"sentiment":"neutral","sentiment_score":0.022295162454247473,"num_words":5,"start":470.965,"end":492.395},{"sentences":[{"text":"Stop 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worries.","start":545.78503,"end":546.525,"sentiment":"neutral","sentiment_score":0.11949976906180382},{"text":"Yeah.","start":547.945,"end":548.185,"sentiment":"neutral","sentiment_score":0.14460638165473938},{"text":"So the last email I had was from at June 24.","start":548.185,"end":552.765,"sentiment":"neutral","sentiment_score":0.08010874485427683}],"sentiment":"neutral","sentiment_score":0.08982796408236027,"num_words":16,"start":526.895,"end":552.765},{"sentences":[{"text":"So yeah.","start":555.5,"end":555.89996,"sentiment":"neutral","sentiment_score":0.13431427627801895},{"text":"So I I guess it's good.","start":555.89996,"end":557.18,"sentiment":"neutral","sentiment_score":0.23231307417154312},{"text":"It it's good because it it it said so rest just said we recently heard from Taco that you're no longer employed there.","start":557.18,"end":564.54,"sentiment":"neutral","sentiment_score":0.14859886273093845},{"text":"So so that's good.","start":564.54,"end":565.74,"sentiment":"neutral","sentiment_score":0.23941902816295624},{"text":"So that must mean that I must have been contributing regularly into rest before.","start":565.74,"end":572.955,"sentiment":"neutral","sentiment_score":0.08392450399696827}],"sentiment":"neutral","sentiment_score":0.1472020410001278,"num_words":49,"start":555.5,"end":572.955},{"sentences":[{"text":"So I hope that's still the case.","start":573.015,"end":574.85504,"sentiment":"neutral","sentiment_score":0.0047063859445708135},{"text":"But, yeah, but, unfortunately, when you're job hunting, I've got a thousand emails when I search for the word super, a thousand emails because they all are offering overtime plus super plus whatever.","start":574.85504,"end":587.19,"sentiment":"neutral","sentiment_score":-0.2616964109016187},{"text":"So yeah.","start":587.19,"end":587.67,"sentiment":"neutral","sentiment_score":-0.10586727410554886},{"text":"So I'm gonna gonna struggle to find anything else from from risk, unfortunately, so in my inbox.","start":587.67,"end":594.01,"sentiment":"neutral","sentiment_score":-0.11894877291941906},{"text":"Oh, here's something from.","start":594.87,"end":596.085,"sentiment":"neutral","sentiment_score":0.04851340223103762}],"sentiment":"neutral","sentiment_score":-0.16893407836600782,"num_words":63,"start":573.015,"end":596.085},{"sentences":[{"text":"Good news.","start":596.48505,"end":596.885,"sentiment":"positive","sentiment_score":0.46542976796627045},{"text":"You're still covered.","start":596.885,"end":597.60504,"sentiment":"neutral","sentiment_score":0.3188455601533254},{"text":"Yeah.","start":597.60504,"end":597.765,"sentiment":"neutral","sentiment_score":0.11208395659923552},{"text":"So this was a little little bit surprising.","start":597.765,"end":600.42505,"sentiment":"neutral","sentiment_score":0.028639536816626787},{"text":"So this email came on the thirtieth, and it said, yeah, you let us know on June 19 that you wanted to keep your rest insurance covered with.","start":600.48505,"end":608.43,"sentiment":"neutral","sentiment_score":0.05227042295570884}],"sentiment":"neutral","sentiment_score":0.08790876929249082,"num_words":42,"start":596.48505,"end":608.43},{"sentences":[{"text":"Yeah.","start":610.75,"end":611.14996,"sentiment":"neutral","sentiment_score":0.0757272019982338},{"text":"So it looks like it looks like what they were just sending me just a reminder that I'm still covered?","start":611.14996,"end":616.51,"sentiment":"neutral","sentiment_score":0.08124502543359995},{"text":"Okay.","start":616.51,"end":616.75,"sentiment":"neutral","sentiment_score":0.14813289046287537},{"text":"Cool.","start":616.75,"end":617.25,"sentiment":"neutral","sentiment_score":0.2795315086841583},{"text":"So yeah.","start":617.95,"end":618.75,"sentiment":"neutral","sentiment_score":0.19185779988765717}],"sentiment":"neutral","sentiment_score":0.10048030838370323,"num_words":25,"start":610.75,"end":618.75},{"sentences":[{"text":"Alright.","start":618.75,"end":618.99,"sentiment":"neutral","sentiment_score":0.33055996894836426},{"text":"Cool.","start":618.99,"end":619.23,"sentiment":"positive","sentiment_score":0.4800422787666321},{"text":"Yeah.","start":619.23,"end":619.47,"sentiment":"positive","sentiment_score":0.49280738830566406},{"text":"So that's yeah.","start":619.47,"end":620.69,"sentiment":"positive","sentiment_score":0.5639986991882324},{"text":"Yep.","start":632.315,"end":632.815,"sentiment":"neutral","sentiment_score":0.24024561047554016}],"sentiment":"positive","sentiment_score":0.46223590629441397,"num_words":7,"start":618.75,"end":632.815},{"sentences":[{"text":"Yep.","start":644.49,"end":644.99,"sentiment":"neutral","sentiment_score":0.05708205699920654},{"text":"Yeah.","start":645.29004,"end":645.69,"sentiment":"neutral","sentiment_score":0.07324989140033722},{"text":"Okay.","start":645.69,"end":646.17,"sentiment":"neutral","sentiment_score":0.09835593402385712},{"text":"Yeah.","start":646.17,"end":646.49,"sentiment":"neutral","sentiment_score":0.1693320274353027},{"text":"Sounds 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yeah.","start":720.9,"end":721.22003,"sentiment":"neutral","sentiment_score":0.05722387880086899}],"sentiment":"neutral","sentiment_score":0.019534203994633823,"num_words":29,"start":686.33496,"end":721.22003},{"sentences":[{"text":"And then it should be yeah.","start":721.22003,"end":723.78,"sentiment":"neutral","sentiment_score":0.09078000734249751},{"text":"What's what's the process then that you guys are doing to transfer the the excess amount into into Hub 24?","start":723.78,"end":732.405,"sentiment":"neutral","sentiment_score":0.05175259113311768},{"text":"Yep.","start":746.565,"end":746.91,"sentiment":"neutral","sentiment_score":0.080094113945961},{"text":"Yep.","start":754.26996,"end":754.67,"sentiment":"neutral","sentiment_score":0.0931445062160492},{"text":"Okay.","start":754.67,"end":755.17,"sentiment":"neutral","sentiment_score":0.11165541410446168}],"sentiment":"neutral","sentiment_score":0.0642974448615107,"num_words":29,"start":721.22003,"end":755.17},{"sentences":[{"text":"Sure 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alright.","start":823.02496,"end":823.845,"sentiment":"positive","sentiment_score":0.4534253776073455},{"text":"Yeah.","start":824.70496,"end":824.865,"sentiment":"neutral","sentiment_score":0.22229668498039248}],"sentiment":"neutral","sentiment_score":-0.0175577727644596,"num_words":43,"start":808.08997,"end":824.865},{"sentences":[{"text":"We yeah.","start":824.865,"end":827.02496,"sentiment":"neutral","sentiment_score":0.12802152335643768},{"text":"Yeah.","start":827.02496,"end":827.505,"sentiment":"neutral","sentiment_score":0.09478987008333206},{"text":"So then we we still got my my my wife still got a card in her name, which is, I think, about $10.10 grand or whatever.","start":827.505,"end":836.19,"sentiment":"neutral","sentiment_score":0.11944254802969786},{"text":"But, yeah, our our big thing is we we we signed the what is it?","start":836.75,"end":841.71,"sentiment":"neutral","sentiment_score":0.14094046850999195},{"text":"The exchange contract for this unit to be built.","start":841.71,"end":844.75,"sentiment":"neutral","sentiment_score":0.09839945452080832}],"sentiment":"neutral","sentiment_score":0.1218120996963303,"num_words":53,"start":824.865,"end":844.75},{"sentences":[{"text":"So that was that was over a couple of years ago.","start":844.75,"end":848.13,"sentiment":"neutral","sentiment_score":0.08270861784165556},{"text":"And and, yeah, and then in the next couple of months so, yeah, we've we've already got a mortgage broker.","start":848.745,"end":853.885,"sentiment":"neutral","sentiment_score":0.059998282231390476},{"text":"It was it it came along with the yeah.","start":854.425,"end":857.385,"sentiment":"neutral","sentiment_score":0.06329908635881212},{"text":"You know?","start":857.385,"end":857.78503,"sentiment":"neutral","sentiment_score":0.03751255199313164},{"text":"So the real estate agent, the solicitor, the mortgage broker, they're all together, which I don't know if that's a good thing or a bad thing.","start":857.78503,"end":863.965,"sentiment":"neutral","sentiment_score":0.0048811574323246116}],"sentiment":"neutral","sentiment_score":0.04237334434326519,"num_words":68,"start":844.75,"end":863.965},{"sentences":[{"text":"But yeah.","start":865.93005,"end":866.65,"sentiment":"neutral","sentiment_score":0.03580406866967678},{"text":"So but but yeah.","start":866.65,"end":868.65,"sentiment":"neutral","sentiment_score":0.03439465584233403},{"text":"So in the next couple of months, we'll be getting going for the preapproval for our mortgage, and our mortgage will end up being about 580,000 or something.","start":868.65,"end":880.065,"sentiment":"neutral","sentiment_score":0.09014933782496623},{"text":"Yep.","start":900.81,"end":901.31,"sentiment":"neutral","sentiment_score":0.05964009091258049},{"text":"Yes.","start":902.49,"end":902.99,"sentiment":"neutral","sentiment_score":0.15806782245635986}],"sentiment":"neutral","sentiment_score":0.08197433703268568,"num_words":36,"start":865.93005,"end":902.99},{"sentences":[{"text":"Yeah.","start":906.17,"end":906.49,"sentiment":"neutral","sentiment_score":0.014746643602848051},{"text":"That's right.","start":906.49,"end":907.05,"sentiment":"neutral","sentiment_score":0.0026275338605046272},{"text":"Yeah.","start":907.05,"end":907.21,"sentiment":"neutral","sentiment_score":-0.0551639050245285},{"text":"And then we have we have the danger of if we don't get approved for a loan.","start":907.21,"end":912.685,"sentiment":"neutral","sentiment_score":-0.2064768391496995},{"text":"I think our contract says that they can so, yeah, we we we lose the holding deposit that we've got there so that I don't know what what Sorry.","start":913.22504,"end":921.43005,"sentiment":"neutral","sentiment_score":-0.1781307815991599}],"sentiment":"neutral","sentiment_score":-0.174221222512424,"num_words":50,"start":906.17,"end":921.43005},{"sentences":[{"text":"Not holding.","start":921.43005,"end":922.07007,"sentiment":"neutral","sentiment_score":-0.15482820570468903},{"text":"But what whatever money we've got in in in the trust fund, which is the 5% of the loan.","start":922.07007,"end":926.95,"sentiment":"neutral","sentiment_score":-0.08232137972587034},{"text":"So it's 5% of about, like, $6.60 or something or whatever.","start":926.95,"end":931.19,"sentiment":"neutral","sentiment_score":0.05620463802055879},{"text":"So it's about about $35.30 5 to $40.","start":931.19,"end":934.47003,"sentiment":"neutral","sentiment_score":0.039060725597664714},{"text":"Yeah.","start":934.47003,"end":934.63,"sentiment":"neutral","sentiment_score":0.04431746155023575}],"sentiment":"neutral","sentiment_score":-0.021919715649834495,"num_words":41,"start":921.43005,"end":934.63},{"sentences":[{"text":"Something something along those lines.","start":934.63,"end":936.47003,"sentiment":"neutral","sentiment_score":0.04345432296395302},{"text":"Yep.","start":936.47003,"end":936.795,"sentiment":"neutral","sentiment_score":0.08909307420253754},{"text":"So we've got that.","start":938.71497,"end":939.435,"sentiment":"neutral","sentiment_score":0.01962490170262754},{"text":"So, yeah, we'd lose that, but then I believe the contract says that they can then come after us for the remaining 5%.","start":939.435,"end":944.735,"sentiment":"neutral","sentiment_score":-0.1578056204902089},{"text":"But, hopefully, they wouldn't do it because they can sell the unit for a lot more now.","start":945.83496,"end":951.54,"sentiment":"neutral","sentiment_score":-0.2727767272907145}],"sentiment":"neutral","sentiment_score":-0.15763738678768277,"num_words":50,"start":934.63,"end":951.54},{"sentences":[{"text":"And and also and also, I think we can claim some sort of financial hardship or something along those lines.","start":952.42,"end":959.3,"sentiment":"neutral","sentiment_score":-0.20179618299007415},{"text":"So we might we might be able to avoid that, but my wife is absolutely horrified at the idea of losing the unit.","start":959.3,"end":967.16,"sentiment":"negative","sentiment_score":-0.5033863750488862},{"text":"So I'm less horrified because it means that we can move somewhere else.","start":968.655,"end":971.715,"sentiment":"neutral","sentiment_score":-0.13567340316680762},{"text":"So we can leave Sydney.","start":972.015,"end":973.47504,"sentiment":"neutral","sentiment_score":0.03967092111706734},{"text":"Yeah.","start":981.53503,"end":981.87,"sentiment":"neutral","sentiment_score":0.027009496465325356}],"sentiment":"neutral","sentiment_score":-0.2766483939523178,"num_words":62,"start":952.42,"end":981.87},{"sentences":[{"text":"Something.","start":994.75,"end":995.235,"sentiment":"neutral","sentiment_score":0.011237792670726776},{"text":"Yep.","start":1003.795,"end":1004.295,"sentiment":"neutral","sentiment_score":0.1836736798286438},{"text":"Yep.","start":1009.15497,"end":1009.635,"sentiment":"neutral","sentiment_score":0.248799130320549},{"text":"Sounds good.","start":1009.635,"end":1010.45496,"sentiment":"positive","sentiment_score":0.5977400541305542},{"text":"No 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you.","start":1045.21,"end":1045.95,"sentiment":"neutral","sentiment_score":0.09723751619458199},{"text":"Awesome.","start":1048.09,"end":1048.59,"sentiment":"positive","sentiment_score":0.5276170969009399}],"sentiment":"neutral","sentiment_score":0.13717286366348466,"num_words":6,"start":1021.41003,"end":1048.59},{"sentences":[{"text":"Yeah.","start":1048.65,"end":1048.89,"sentiment":"positive","sentiment_score":0.37549248337745667},{"text":"Thank you.","start":1048.89,"end":1049.71,"sentiment":"positive","sentiment_score":0.5639485716819763},{"text":"Yep.","start":1063.385,"end":1063.885,"sentiment":"neutral","sentiment_score":0.07232155650854111},{"text":"Yeah.","start":1082.73,"end":1083.23,"sentiment":"neutral","sentiment_score":0.21889498829841617},{"text":"Sounds 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performing?","start":1153.5549,"end":1157.02,"sentiment":"neutral","sentiment_score":-0.02568327635526657},{"text":"Or Yep.","start":1157.08,"end":1160.22,"sentiment":"neutral","sentiment_score":0.0813347203657031},{"text":"Yep.","start":1170.76,"end":1171.215,"sentiment":"neutral","sentiment_score":0.11959967017173768},{"text":"Yeah.","start":1179.775,"end":1180.275,"sentiment":"neutral","sentiment_score":0.3032236695289612},{"text":"Sounds good.","start":1180.335,"end":1181.1549,"sentiment":"positive","sentiment_score":0.5302896648645401}],"sentiment":"neutral","sentiment_score":0.08682745916303247,"num_words":16,"start":1153.5549,"end":1181.1549},{"sentences":[{"text":"Yep.","start":1191.63,"end":1192.13,"sentiment":"neutral","sentiment_score":0.1934202611446381},{"text":"Yep.","start":1203.6749,"end":1204.1549,"sentiment":"neutral","sentiment_score":0.3278508186340332},{"text":"Sounds 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ago.","start":1237.6749,"end":1240.495,"sentiment":"neutral","sentiment_score":0.12083391265736686},{"text":"Yep.","start":1265.9451,"end":1266.425,"sentiment":"neutral","sentiment_score":0.2773764133453369}],"sentiment":"neutral","sentiment_score":0.08038918102780977,"num_words":30,"start":1230.475,"end":1266.425},{"sentences":[{"text":"Sounds good.","start":1266.425,"end":1267.245,"sentiment":"positive","sentiment_score":0.49781443178653717},{"text":"Yeah.","start":1287.615,"end":1287.935,"sentiment":"neutral","sentiment_score":0.12063202261924744},{"text":"So that's that's definitely the case for all super funds.","start":1287.935,"end":1290.595,"sentiment":"neutral","sentiment_score":0.1853073738515377},{"text":"I don't know if it's worth like, is there a is there something there that happens if something happened to both of us?","start":1290.655,"end":1301.3099,"sentiment":"neutral","sentiment_score":-0.07103785969640898},{"text":"Is there a a provision for who's a backup or in case something happens to her or or I mean, it'll just probably go to our son anyway, but he's four.","start":1302.09,"end":1312.845,"sentiment":"neutral","sentiment_score":-0.0016034625530723602}],"sentiment":"neutral","sentiment_score":0.0191903957096276,"num_words":67,"start":1266.425,"end":1312.845},{"sentences":[{"text":"So, yeah, don't know what happens there.","start":1313.145,"end":1315.405,"sentiment":"neutral","sentiment_score":-0.050580531624811034},{"text":"Yeah.","start":1340.415,"end":1340.575,"sentiment":"neutral","sentiment_score":0.0014449749141931534},{"text":"Yeah.","start":1340.575,"end":1340.815,"sentiment":"neutral","sentiment_score":0.0007974496111273766},{"text":"And so we need to I I don't think we've we've put anything in writing about who his guardian is.","start":1340.815,"end":1346.1749,"sentiment":"neutral","sentiment_score":-0.05315065197646618},{"text":"So we need to probably who his guardian could be.","start":1346.1749,"end":1349.135,"sentiment":"neutral","sentiment_score":-0.04343009740114212}],"sentiment":"neutral","sentiment_score":-0.04741372590741286,"num_words":39,"start":1313.145,"end":1349.135},{"sentences":[{"text":"So I think we need to probably work on that.","start":1349.135,"end":1351.155,"sentiment":"neutral","sentiment_score":-0.018438532203435897},{"text":"At some point, that's not something you'd probably help with.","start":1351.99,"end":1353.75,"sentiment":"neutral","sentiment_score":-0.08708656542003154},{"text":"That's something we just have to go get a what a wheel from the post office or something.","start":1353.75,"end":1357.35,"sentiment":"neutral","sentiment_score":-0.05830112565308809},{"text":"Is that the the thought there?","start":1357.35,"end":1360.07,"sentiment":"neutral","sentiment_score":-0.02044468993941943},{"text":"Yeah.","start":1360.07,"end":1360.57,"sentiment":"neutral","sentiment_score":0.06366229802370071}],"sentiment":"neutral","sentiment_score":-0.04808171288006836,"num_words":45,"start":1349.135,"end":1360.57},{"sentences":[{"text":"Yep.","start":1363.51,"end":1364.01,"sentiment":"neutral","sentiment_score":0.034804102033376694},{"text":"Yep.","start":1383.06,"end":1383.56,"sentiment":"neutral","sentiment_score":-0.08236373960971832},{"text":"Yeah.","start":1390.5,"end":1391.0,"sentiment":"neutral","sentiment_score":0.04152445495128632},{"text":"Yep.","start":1403.0249,"end":1403.345,"sentiment":"neutral","sentiment_score":0.10463665425777437},{"text":"Okay.","start":1403.345,"end":1403.825,"sentiment":"neutral","sentiment_score":0.2168780267238617}],"sentiment":"neutral","sentiment_score":0.06309589967131615,"num_words":5,"start":1363.51,"end":1403.825},{"sentences":[{"text":"Sounds 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well.","start":1430.745,"end":1434.585,"sentiment":"neutral","sentiment_score":0.08243130048116049},{"text":"Yeah?","start":1434.585,"end":1435.085,"sentiment":"neutral","sentiment_score":0.08273738622665405},{"text":"Yep.","start":1436.985,"end":1437.36,"sentiment":"neutral","sentiment_score":0.2825692296028137}],"sentiment":"neutral","sentiment_score":0.08961743253626321,"num_words":19,"start":1429.9451,"end":1437.36},{"sentences":[{"text":"Sounds good.","start":1437.44,"end":1449.7,"sentiment":"positive","sentiment_score":0.47024253010749817},{"text":"I think continuous is fine.","start":1450.8949,"end":1452.5149,"sentiment":"neutral","sentiment_score":0.2874396085739136},{"text":"Yep.","start":1452.8949,"end":1453.3949,"sentiment":"neutral","sentiment_score":0.08612354844808578},{"text":"Interesting.","start":1466.8,"end":1467.3,"sentiment":"neutral","sentiment_score":0.020992117002606392},{"text":"Yeah.","start":1468.0,"end":1468.3201,"sentiment":"neutral","sentiment_score":0.00429406575858593}],"sentiment":"neutral","sentiment_score":0.24890928342938423,"num_words":10,"start":1437.44,"end":1468.3201},{"sentences":[{"text":"That is a weird question.","start":1468.3201,"end":1469.4401,"sentiment":"neutral","sentiment_score":-0.030699801072478293},{"text":"Yeah.","start":1469.4401,"end":1469.76,"sentiment":"neutral","sentiment_score":-0.019384806975722313},{"text":"I'd I'd say it has to be lit yeah.","start":1469.76,"end":1471.4401,"sentiment":"neutral","sentiment_score":-0.015177321723765798},{"text":"I'd say legally binding.","start":1471.4401,"end":1472.58,"sentiment":"neutral","sentiment_score":-0.013893289025872946},{"text":"Yeah.","start":1472.64,"end":1472.88,"sentiment":"neutral","sentiment_score":-0.036221347749233246}],"sentiment":"neutral","sentiment_score":-0.02006371058523655,"num_words":20,"start":1468.3201,"end":1472.88},{"sentences":[{"text":"I can't see why not.","start":1472.88,"end":1475.78,"sentiment":"neutral","sentiment_score":-0.08874369710683823},{"text":"I must have multiple kids or something.","start":1476.3201,"end":1478.34,"sentiment":"neutral","sentiment_score":-0.003775566151099546},{"text":"Yeah.","start":1479.04,"end":1479.405,"sentiment":"neutral","sentiment_score":-0.002546587958931923},{"text":"Yeah.","start":1490.2051,"end":1490.7051,"sentiment":"neutral","sentiment_score":0.05122915282845497},{"text":"Yeah.","start":1492.045,"end":1492.545,"sentiment":"neutral","sentiment_score":0.1819893717765808}],"sentiment":"neutral","sentiment_score":-0.01596503412971894,"num_words":15,"start":1472.88,"end":1492.545},{"sentences":[{"text":"Yep.","start":1504.73,"end":1505.23,"sentiment":"neutral","sentiment_score":0.08603966236114502},{"text":"Yep.","start":1517.1849,"end":1517.6849,"sentiment":"neutral","sentiment_score":0.03519831597805023},{"text":"Yep.","start":1518.1449,"end":1518.6449,"sentiment":"neutral","sentiment_score":0.15630972385406494},{"text":"Sounds 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questions.","start":1524.7201,"end":1525.7001,"sentiment":"neutral","sentiment_score":-0.06093249221642812},{"text":"Okay.","start":1552.4299,"end":1552.9299,"sentiment":"neutral","sentiment_score":0.04589288309216499},{"text":"Yep.","start":1555.47,"end":1555.95,"sentiment":"neutral","sentiment_score":0.1015193909406662}],"sentiment":"neutral","sentiment_score":-0.022471933492592404,"num_words":7,"start":1524.0801,"end":1555.95},{"sentences":[{"text":"Okay.","start":1555.95,"end":1556.45,"sentiment":"neutral","sentiment_score":0.06573764979839325},{"text":"Understood.","start":1556.59,"end":1557.09,"sentiment":"neutral","sentiment_score":0.09385959804058076},{"text":"Yeah.","start":1564.245,"end":1564.745,"sentiment":"neutral","sentiment_score":0.02526235394179821},{"text":"Yeah.","start":1564.8049,"end":1565.0449,"sentiment":"neutral","sentiment_score":0.02484959736466408},{"text":"Yeah.","start":1565.0449,"end":1565.2849,"sentiment":"neutral","sentiment_score":0.022548487409949303}],"sentiment":"neutral","sentiment_score":0.04645153731107712,"num_words":5,"start":1555.95,"end":1565.2849},{"sentences":[{"text":"And I think I'd I I I reset it already.","start":1565.2849,"end":1567.945,"sentiment":"neutral","sentiment_score":0.01744704581797123},{"text":"Yep.","start":1568.1649,"end":1568.6649,"sentiment":"neutral","sentiment_score":0.2058037370443344},{"text":"Awesome.","start":1579.76,"end":1580.26,"sentiment":"positive","sentiment_score":0.5818130970001221},{"text":"Sounds good.","start":1580.4,"end":1581.2201,"sentiment":"positive","sentiment_score":0.5477663278579712},{"text":"No.","start":1585.2001,"end":1585.52,"sentiment":"neutral","sentiment_score":-0.020274493843317032}],"sentiment":"neutral","sentiment_score":0.13582303027311962,"num_words":15,"start":1565.2849,"end":1585.52},{"sentences":[{"text":"Nothing further.","start":1585.52,"end":1586.42,"sentiment":"neutral","sentiment_score":-0.001040356233716011},{"text":"Yep.","start":1607.03,"end":1607.3501,"sentiment":"neutral","sentiment_score":0.06496191024780273},{"text":"Yep.","start":1607.3501,"end":1607.67,"sentiment":"neutral","sentiment_score":0.09100785106420516},{"text":"Sounds good.","start":1607.67,"end":1608.15,"sentiment":"neutral","sentiment_score":0.20737818628549576},{"text":"Yep.","start":1608.15,"end":1608.31,"sentiment":"neutral","sentiment_score":0.08956199884414673}],"sentiment":"neutral","sentiment_score":0.09402963146567345,"num_words":7,"start":1585.52,"end":1608.31},{"sentences":[{"text":"That's all.","start":1608.31,"end":1608.87,"sentiment":"neutral","sentiment_score":0.06607491336762905},{"text":"Short, medium term.","start":1608.87,"end":1609.99,"sentiment":"neutral","sentiment_score":0.021997276693582535},{"text":"I'm I still have I don't know if if it's if it's ever been documented there, but I I you know, I've I've been looking into how to you know, I give given my wife's Filipino, how to potentially retire by moving to The Philippines at 50 is my is my thought there.","start":1609.99,"end":1629.205,"sentiment":"neutral","sentiment_score":0.032526501489557186},{"text":"So that's that's that is a goal I'm I'm having to work towards.","start":1629.825,"end":1634.04,"sentiment":"neutral","sentiment_score":0.09096158754367095},{"text":"A bit hard to work towards that when you don't have a job at the moment.","start":1634.4401,"end":1636.76,"sentiment":"neutral","sentiment_score":-0.06352221081033349}],"sentiment":"neutral","sentiment_score":0.02400220115936693,"num_words":87,"start":1608.31,"end":1636.76},{"sentences":[{"text":"But, yeah, that's that's still in the in the top of my mind is to is is to, yeah, to to retire early by moving to where it's much cheaper to live.","start":1636.76,"end":1647.525,"sentiment":"neutral","sentiment_score":0.24466519593261182},{"text":"Okay.","start":1649.285,"end":1649.785,"sentiment":"neutral","sentiment_score":0.3099258542060852},{"text":"Yeah.","start":1673.69,"end":1674.01,"sentiment":"positive","sentiment_score":0.35331666469573975},{"text":"Awesome.","start":1674.01,"end":1674.51,"sentiment":"positive","sentiment_score":0.7423285245895386},{"text":"Sounds good.","start":1674.57,"end":1675.215,"sentiment":"positive","sentiment_score":0.7404789924621582}],"sentiment":"neutral","sentiment_score":0.28961662968268265,"num_words":37,"start":1636.76,"end":1675.215},{"sentences":[{"text":"No worries.","start":1683.455,"end":1684.275,"sentiment":"neutral","sentiment_score":0.2260238081216812},{"text":"Sounds good.","start":1692.5099,"end":1693.07,"sentiment":"positive","sentiment_score":0.7599843740463257},{"text":"Thank you very 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Aaron speaking.\n\nChannel 0: Good morning, Aaron. It's Tommy here, senior adviser of Oakview. How are you doing?\n\nChannel 1: Yeah. Going alright. How are you?\n\nChannel 0: Right. Living the\n\nChannel 1: Yeah.\n\nChannel 0: dream so far. It's a fantastic cloudy, cold, wet day. What about your\n\nChannel 1: It was pretty foggy\n\nChannel 0: end?\n\nChannel 1: this morning, but not wet, I'd say. No. Just foggy\n\nChannel 0: Cozy\n\nChannel 1: and and overcast.\n\nChannel 0: morning fog. Well, thank you very much\n\nChannel 1: Yeah.\n\nChannel 0: for taking a few minutes to do your annual review with me this morning.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Before I get stuck into it, I'm just gonna go through a quick security check. And basically today, gonna go through the strategies, changing circumstances, and details, and just sort of see what we need to do, if that's alright.\n\nChannel 1: Sure thing.\n\nChannel 0: Beautiful. So I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address?\n\nChannel 1: Yep. 06/27/1990, and my address is 28 Don Mills Avenue, Hebersham, New South Wales 2770.\n\nChannel 0: Sensational. Thank you very much for that. Mate, now I've got a few details open in front of me that I wanted to run through. But before I do, is there anything in particular you're hoping to get out of today's review?\n\nChannel 1: No. Not not really. Unless you unless you have a job for me because I'm unemployed. So\n\nChannel 0: Fair enough.\n\nChannel 1: yeah. So that's that's about it. Yeah. So it's yep. We yeah.\n\nOur circumstances have changed drastically in the last few weeks, but\n\nChannel 0: Yep.\n\nChannel 1: I, yeah, I sort of lost my job, and and my wife was also made redundant as well. So,\n\nChannel 0: Oh, no.\n\nChannel 1: yep,\n\nChannel 0: The\n\nChannel 1: we're\n\nChannel 0: double\n\nChannel 1: in\n\nChannel 0: hit.\n\nChannel 1: the double hit. And and really, sadly for us, we have a our unit that's been built being built for, like, the last three years and delayed\n\nChannel 0: Yeah.\n\nChannel 1: two years is due in about, I don't know, about a couple of months from now. So yep. So, yeah, not not great timing for for the Edwards household at the moment.\n\nChannel 0: No. That's totally\n\nChannel 1: So\n\nChannel 0: fair enough. And I did see a note there from Michelle that you might even be looking at changing things up quite a bit to maybe do some with the truck driving, bit of bit of local\n\nChannel 1: yeah.\n\nChannel 0: stuff.\n\nChannel 1: Yeah. That's right. Yes. I I I did some I just came back from a job interview this morning. So yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I don't know. The AI and IT is not like, lots lots of IT people have lost their jobs due to AI. So\n\nChannel 0: Oh, no.\n\nChannel 1: yeah. So yeah. So I think it it was a con a contributor to my downfall. So I thought, yeah, what could be a a job that's AI proof?\n\nChannel 0: Yeah. And switch it up a little bit rather than trying to just keep pushing uphill in the current industry kind of\n\nChannel 1: Yeah. That's right.\n\nChannel 0: thing. Okay. So in a bit of a holding pattern for the time being, and\n\nChannel 1: Yep.\n\nChannel 0: my job space, we're just to make sure that the super just keeps moving in the background for you so you don't have to worry about it and while you sort of get back on the feet and everything. Is there\n\nChannel 1: Sure\n\nChannel 0: anything\n\nChannel 1: thing.\n\nChannel 0: that I can, like, specifically help you with today where you would want an extra conversation outside of just, you know, reviewing the super?\n\nChannel 1: Yeah. So I I just need to double check as well. So when I do start at a new place, which super details do I give them? Because we have this whole thing where we're trying to keep my balances current. So so my so we we had we had a minimum balance we're trying to keep in rest to\n\nChannel 0: Yep.\n\nChannel 1: keep my insurance active. Every now and then, I I sort of get an email from them suggesting that there might be a I I I don't know, that I haven't contributed to rest in a while and and therefore but, you know, they're still keeping my cover current for a little bit. I thought we fixed that last time.\n\nChannel 0: Yep. With a bit of an opt in or something like that.\n\nChannel 1: Yeah. Yeah. So yeah. So I just wanna just double check that that, yeah, insurances are still there. But but then also, I think at my next role, whatever it is, I should try to opt for whatever super fund they have so that I can get the get get whatever health insurances they have in that super fund because, yeah, you know, we we we tried when I initially went to Netwealth, we tried to do a a yeah.\n\nYeah. To to to move me on to Netwealth's, you know, health coverage. But, yeah, they sent a sent a lovely nurse out, and and it was all friendly. But then, yeah, basically, they said, yeah. Yeah.\n\nNo one would insure you\n\nChannel 0: The\n\nChannel 1: in\n\nChannel 0: old\n\nChannel 1: the next\n\nChannel 0: knockback.\n\nChannel 1: thousand years. So so yes. So fair enough. I have a typical IT guy's physique. So yeah.\n\nSo yeah. So those are those are the sorts of conversations I'm thinking about because yeah. Because the the the I\n\nChannel 0: Yep.\n\nChannel 1: think the insurance cover is too low for rest. And, yeah, I didn't realize this whole time that I probably could've when I was at Fujifilm, Fujifilm had Mercer, I think, or something along those lines, I could've\n\nChannel 0: Uh-huh.\n\nChannel 1: could've probably transferred across to Mercer and and got a higher coverage then. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, it's a little bit a little bit disappointing that I I didn't think of that at the time. So I'm hoping that yeah. I don't know. What what do you think along those lines? First of all, am I currently covered at reps?\n\nAnd and then, yeah, secondly, what should I do for increasing my health cover? Is is that a good approach to switch to a different super fund depending on who I who my next employer is?\n\nChannel 0: Yeah. Absolutely. So outside of getting the old time machine to skip a thousand years, I do\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: Yep.\n\nChannel 0: a few thoughts.\n\nChannel 1: Sure.\n\nChannel 0: So first thing is when it comes to the rest cover, there's two types of ways you can lose the cover, and that's\n\nChannel 1: Yep.\n\nChannel 0: either a low balance or an inactive account. So, you know, no contributions for eighteen months is usually the cutoff. And\n\nChannel 1: Yep.\n\nChannel 0: if it goes below 6,000 is the other sort of risk. Some super funds have one opt in for both, and some have two where you've got to kind of make sure it's protected in both circumstances. So I would hazard that the cover is still there, and I believe were you sending through a bit of an updated statement through, or have you already done so?\n\nChannel 1: I think I I sent through I don't know what the the last email that I got from but it it wasn't a statement on there. So yeah. But yeah. So I I thought now I'm gonna try and unplug my phone and hope that it still continues on Bluetooth. So, hopefully,\n\nChannel 0: Yep.\n\nChannel 1: you're still\n\nChannel 0: Go\n\nChannel 1: there.\n\nChannel 0: for\n\nChannel 1: You\n\nChannel 0: it.\n\nChannel 1: can still hear me. Good. Excellent.\n\nChannel 0: I can so\n\nChannel 1: Fine.\n\nChannel 0: far.\n\nChannel 1: Yeah. Good. Okay. And yeah. So, yeah, so I I I recall that we had a little bit of a scare a little while back where where we realized that I was in danger of losing it because I wasn't contributing to it.\n\nChannel 0: Yep.\n\nChannel 1: I thought I was following, like, you's advice at the time, but that's okay. And so and so then I think we then updated my super because because I thought I thought the plan was supposed to be that I keep getting paid into rest, and then I think I think you guys would then every time it so sorta any any anything in excess of $15 or whatever it was or $10, you guys would then arrange to move into into it was Netwealth at the time, but I think it changed to something else. Hub Hub\n\nChannel 0: To\n\nChannel 1: twenty\n\nChannel 0: hub\n\nChannel 1: four.\n\nChannel 0: now.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So\n\nChannel 1: Yep.\n\nChannel 0: do that old sweep across once\n\nChannel 1: Yep.\n\nChannel 0: it goes above that balance, that kind of thing. So,\n\nChannel 1: Yeah.\n\nChannel 0: basically, if you've only just gone to the unemployment, your your funds and your insurances will be protected. I'm gonna have a look through that rundown to see whether what the risks are, if any. And if it's all still\n\nChannel 1: Yep.\n\nChannel 0: protected, I'll I'll kind of get back to you straight away on that one. But I'm just gonna have a little\n\nChannel 1: Stop\n\nChannel 0: hunt around\n\nChannel 1: me.\n\nChannel 0: for those details. When it comes\n\nChannel 1: Yeah.\n\nChannel 0: to the next employer, so their default fund will definitely give you default cover, and that's one way of kind of bumping things up a little bit. But I would definitely love to have a bit of a comparison around when you find out what fund they're with, if possible.\n\nChannel 1: Yep.\n\nChannel 0: So what\n\nChannel 1: Sure\n\nChannel 0: I would like to do is if you get accepted for something, just ask them what their default super\n\nChannel 1: thing.\n\nChannel 0: fund is. Give us a quick buzz to let us know. I can go through their PDFs and figure out what they're gonna give you\n\nChannel 1: Yep.\n\nChannel 0: likely. And\n\nChannel 1: Yep.\n\nChannel 0: that way, I can go to kinda see, is it gonna be more than rest? Is it gonna be in a similar amount so you can kind of have both running and give you some further advice there? So if you're okay to kind of touch base when you know what fund it's gonna be, just let us know, and I can kind of break down the details\n\nChannel 1: Yeah. No worries.\n\nChannel 0: for you. Cool.\n\nChannel 1: Yeah. So the last email I had was from at June 24. So yeah. So I I guess it's good. It it's good because it it it said so rest just said we recently heard from Taco that you're no longer employed there.\n\nSo\n\nChannel 0: Yes.\n\nChannel 1: so that's good. So that must mean that I must have been contributing regularly into rest before. So I hope\n\nChannel 0: Yeah.\n\nChannel 1: that's still the case. But, yeah, but, unfortunately, when you're job hunting, I've got a thousand emails when I search for the word super, a thousand emails because they all are offering overtime plus super plus whatever. So yeah. So I'm gonna\n\nChannel 0: Yeah.\n\nChannel 1: gonna struggle to find anything else from from risk, unfortunately, so in my inbox. Oh, here's something from. Good news. You're still covered. Yeah.\n\nSo this was a little little bit surprising. So this email came on the thirtieth,\n\nChannel 0: Yep.\n\nChannel 1: and it said, yeah, you let us know on June 19 that you wanted to keep your rest insurance covered with. Yeah. So it looks like it looks like what they were just sending me just a reminder that I'm still covered? Okay. Cool.\n\nSo\n\nChannel 0: So\n\nChannel 1: yeah. Alright.\n\nChannel 0: that's\n\nChannel 1: Cool. Yeah.\n\nChannel 0: perfect\n\nChannel 1: So that's\n\nChannel 0: because\n\nChannel 1: yeah.\n\nChannel 0: your contributions were going to rest and, like, nothing's going to the hub, which is great, which means it's all been going in there. That's all been opted into, so you don't have to worry about it just clicking off in the background while you're job hunting. That will\n\nChannel 1: Yep.\n\nChannel 0: be there pretty I wouldn't say indefinitely because, let's say, ten years down the road, they'll probably have expired some sort of opt in or something, but you're at least sweet for the next year and a half, if not longer.\n\nChannel 1: Yep. Yeah. Okay. Yeah. Sounds good.\n\nChannel 0: Cool.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Cool.\n\nChannel 0: when I look at that, they had $400 of life insurance, only a $120 of TPD, and a little bit of income protection. Now when you get back into employment, that income protection can still kind of cover you as well. So I would need to see how much TPD cover the next fund's gonna give you because a 100 grand's\n\nChannel 1: Sure.\n\nChannel 0: a bit low. Some funds offer equal amounts, which is a lot better, and then also just comparing the income protection so you're not doubling up on policies.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Sounds good. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: No worries. Yeah. Do you know the balance of of the rest of the rest account at the moment, or you you don't have that info yourself?\n\nChannel 0: Let me have a quick look. I don't have the the email in front of me, but I do have where it was sitting plus your contributions. So if I have a little look see, let's say you did the 10,000 there and those contributions going in from February twelve months, it would probably be sitting around about the 20 mark from what I would see.\n\nChannel 1: Yeah. Right. But yeah. And then it should be yeah. What's what's the process then that you guys are doing to transfer the the excess amount into into Hub 24?\n\nChannel 0: So when we go through the super now, what I'll basically do is I can put together just a little bit of an updated plan to say, okay. We'll move across this much and possibly update some of the investments inside the hub. And then if you're\n\nChannel 1: Yep.\n\nChannel 0: comfortable with both of those things, we can basically do rollovers and investments, which is all in the background for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So I'll kind of leave you to the job hunting for a little bit while I put together that research and comparison because there was a couple of\n\nChannel 1: Sure\n\nChannel 0: things\n\nChannel 1: thing.\n\nChannel 0: I was looking at in the hub as well, and I wanna just combine\n\nChannel 1: Yep.\n\nChannel 0: both into one\n\nChannel 1: Yep. Okay. Yeah. Sounds\n\nChannel 0: document\n\nChannel 1: good.\n\nChannel 0: for you. K. Now I'll double check with Michelle straight after this call just to see if we do have a third party authority to call rest to do a further breakdown. If not, we\n\nChannel 1: Yep.\n\nChannel 0: will see what emails have come through. If I need to get one more forwarded through, I'll get her to give\n\nChannel 1: Sure thing.\n\nChannel 0: you a buzz straight away. Cool. When it comes to to the other circumstances just briefly, so I'm just double checking if anything else has changed. You're still married with the one son?\n\nChannel 1: Yep. Correct.\n\nChannel 0: Yep. Perfect. Assets and liabilities wise, we've got the the car, personal loan, and credit card were the main three and a little bit of savings.\n\nChannel 1: Yeah. So so I believe we've now paid off the car, so we don't\n\nChannel 0: Yep.\n\nChannel 1: have a personal loan anymore. I I don't have any debt in my name now, apparently, so that's that's that's a first in my life.\n\nChannel 0: Amazing.\n\nChannel 1: So it's alright.\n\nChannel 0: That's some silver\n\nChannel 1: Yeah.\n\nChannel 0: linings\n\nChannel 1: We\n\nChannel 0: for you there, Aaron.\n\nChannel 1: yeah. Yeah. So then we we still got my my my wife still got a card in her name,\n\nChannel 0: Aaron. Yep.\n\nChannel 1: which is, I think, about $10.10 grand or whatever. But, yeah, our our big thing is we we we signed the what is it? The exchange contract for this unit to be built. So that was that was over a couple of years ago.\n\nChannel 0: Yeah.\n\nChannel 1: And and, yeah, and then in the next couple of months so, yeah, we've we've already got a mortgage broker. It was it it came along with the yeah. You know? So the real estate agent, the solicitor, the mortgage broker, they're all together, which I don't know if that's a good thing or a bad thing.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. So but but yeah. So in the next couple of months, we'll be getting going for the preapproval for our mortgage, and our mortgage will end up being about 580,000 or something.\n\nChannel 0: Cool. So, hopefully, what will basically line up for you guys, which I'm I'm hoping will be the case, is you get into those next roles. You've got some contracts. You give them to the brokers and banks. They get approval for all the mortgage and everything, and then you're hopefully in that new in that new unit sooner rather than later, and it's not delayed another\n\nChannel 1: Yep.\n\nChannel 0: couple of years. So\n\nChannel 1: Yes.\n\nChannel 0: the next few months will be pretty big for you guys for sure.\n\nChannel 1: Yeah. That's right. Yeah. And then we have we have the danger of if we don't get approved for a loan. I think our contract says that they can so, yeah, we we we lose the holding deposit that we've got there so that I don't know what what Sorry.\n\nNot holding. But what whatever money we've got in in in the trust fund, which is the 5% of the loan. So\n\nChannel 0: Yep.\n\nChannel 1: it's 5% of about, like, $6.60 or something or whatever. So it's about about $35.30\n\nChannel 0: Thirty three.\n\nChannel 1: 5 to $40.\n\nChannel 0: Thirty 5.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Something something along those lines. Yep. So we've got that. So, yeah, we'd lose that, but then I believe the contract says that they can then come after us for the remaining 5%. But, hopefully, they wouldn't do it because they can sell the unit for a lot more now.\n\nChannel 0: Yeah.\n\nChannel 1: And and also and also, I think we can claim some sort of financial hardship or something along those lines. So we might we might be able to avoid that, but my wife is absolutely horrified at the idea of losing the unit.\n\nChannel 0: Yeah.\n\nChannel 1: So I'm less\n\nChannel 0: Look.\n\nChannel 1: horrified\n\nChannel 0: All in\n\nChannel 1: because\n\nChannel 0: all\n\nChannel 1: it means that we can move somewhere else. So we\n\nChannel 0: Yeah.\n\nChannel 1: can leave Sydney.\n\nChannel 0: And Moving areas is is possibly a silver lining as well. But like you just said, there's always a plan a, b, and c in terms\n\nChannel 1: Yeah.\n\nChannel 0: of whether they can sell the unit or hardship or anything like that. So if it gets to that point where you need access to super funds to help keep that going, please just give us a call, and we'll help you through the process, especially if you\n\nChannel 1: Something.\n\nChannel 0: get letters of you know, letters from creditors saying we're we're coming after assets and funds and things like that. Just get on to\n\nChannel 1: Yep.\n\nChannel 0: us straight away, and we can take you through that process if that's gonna be the best for you\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: k. So\n\nChannel 1: No\n\nChannel 0: I'm gonna\n\nChannel 1: worries.\n\nChannel 0: put a flag on the file just so in case you do call in, everyone's kind of aware that there may be a future compassionate ground or hardship release pending.\n\nChannel 1: Yep.\n\nChannel 0: That way, everyone knows.\n\nChannel 1: Yep.\n\nChannel 0: And look, to be honest, I'm not gonna try and predict the future, but these things have a funny way of kind of working out where it's like you're at your your rock bottom and all of a sudden things start lining up and you get that next job, you get the approval, and then you look back and go, wow. Wasn't that a fun period to go through? But then you're off\n\nChannel 1: Yeah.\n\nChannel 0: to the other side. So just remember it is temporary, and a\n\nChannel 1: Thank\n\nChannel 0: year\n\nChannel 1: you.\n\nChannel 0: from now, things will be a lot different.\n\nChannel 1: Awesome. Yeah. Thank you.\n\nChannel 0: Awesome. Mate, I'm not gonna change anything else now. The only thing I'm gonna basically do is, again, just just look at that rest fund. And just with the super, I'm gonna send you through an annual review pack just so you can\n\nChannel 1: Yep.\n\nChannel 0: have a little look, see about how everything's going. Basically, it's it's growing pretty well without the contributions coming in. Like, the the market's kind of dipped with the fuel crisis and the war and everything, and it bounced back from a $103 up to a 114 plus what you've been accumulating and growing in rest along side it as well.\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Now it was a very good move that Dana kind of moved you from that Netwealth platform and portfolio because the portfolio you were in, that was like a growth one, four out of five on the risk scale. And you've been moved into a high growth one, which is higher risk but higher long term returns. But I've just done a bit of quick comparison between the two. And if you'd remained in the previous one, you actually would have been in the negative this year, but you're actually\n\nChannel 1: Yeah.\n\nChannel 0: up\n\nChannel 1: Right.\n\nChannel 0: about seven and a half percent after fees in growth. So\n\nChannel 1: Cool.\n\nChannel 0: the quality was just there in what she recommended.\n\nChannel 1: Awesome. That's good to hear.\n\nChannel 0: While you are\n\nChannel 1: Yeah.\n\nChannel 0: in the situation that you're in, I do wanna make one further change while I'm doing the rest, which\n\nChannel 1: Sure.\n\nChannel 0: is one of the Australian share funds have kind of been dragging its feet and going into the negative, but all your other investment options have been kind of kicking out the lights. What I normally do in these situations is I usually switch some of these funds if they're not doing too well into a lower fee passive option where I can just lower the investment fees, keep the returns really strong, and just kind of do an engine\n\nChannel 1: Yep. Yep. So I think Michelle mentioned Ben along or something. Is that is that the\n\nChannel 0: tune\n\nChannel 1: one\n\nChannel 0: up\n\nChannel 1: that is\n\nChannel 0: if\n\nChannel 1: not performing?\n\nChannel 0: that makes\n\nChannel 1: Or\n\nChannel 0: sense. Yeah. That's the one. So all the other,\n\nChannel 1: Yep.\n\nChannel 0: like, gold and American shares and property and everything is kind of double digits, which is good. And then Better Long's kind of just been dropping down a little bit further than the other Australian shares options. So\n\nChannel 1: Yep.\n\nChannel 0: I think with the high fees that it attracts, you're probably better off going to something a little bit lower fees, but still that double digit returns.\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: As long as you're still comfortable, obviously, with that high growth approach, you know, you're trying to build you that million dollars and get as much returns as possible. It's gonna go up and down like a bit of a yo yo, up and down 10,\n\nChannel 1: Yep.\n\nChannel 0: $2,030,000 dollars a year. But our idea, of course, is that when you get closer to that age 60 to access your super, we can reduce the risk down once you've actually built the nest egg.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Egg. Sounds good? K. So I'll\n\nChannel 1: Yep.\n\nChannel 0: put that together. What I will do as well, I'm gonna send out that annual review pack and, like, service agreement and so on. Just make sure that's all still active so we can actually have access to the accounts and move things around. I'm\n\nChannel 1: Yep.\n\nChannel 0: just gonna double check as well ID because that's a funny one that kind of clicks off sometimes. So just bear with me for a\n\nChannel 1: I\n\nChannel 0: quick\n\nChannel 1: just\n\nChannel 0: second.\n\nChannel 1: yeah. Michelle asked me to send through my updated driver's license because it\n\nChannel 0: Amazing.\n\nChannel 1: had just expired. So yep. So I've sent that through a few days ago.\n\nChannel 0: Perfect. Alright. 20Third. Amazing. So that'll be what we can certify to get all of that information and get the movements going.\n\nSo, basically, from here, Aaron, is I will basically put this plan together over the next week or so. Michelle will just get you booked back in for a quick fifteen minute chat with me just to run through the figures and the document, make sure you're comfortable with the changes, and then we can clean that up in the background for you.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Last thing I wanted to do just as a bit of housekeeping, I think Michelle may have mentioned, but just in terms of beneficiaries to make sure all the super, all the life insurance is going where they need to go, I'm assuming you still want it all to go to your partner. Was that kind of your intention all the way along for all super funds?\n\nChannel 1: Yeah. So that's that's definitely the case for all super funds. I don't know if it's worth like, is there a is there something there that happens if something happened to both of us? Is there a a provision for who's a backup or in case something happens to her or or I mean, it'll just probably go to our son anyway, but he's four. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, don't know\n\nChannel 0: So\n\nChannel 1: what\n\nChannel 0: the\n\nChannel 1: happens\n\nChannel 0: way\n\nChannel 1: there.\n\nChannel 0: that usually works is let's say let's say that the double negative happens. All the super fund goes between what's in place, which is, you know, beneficiaries to go between each other and so on. I need you to send out the hub form for that. But, basically, it will then flow through to your next of kin, which would be your son, and whoever is his guardian would essentially control the funds on his behalf until he's\n\nChannel 1: Yeah. Yeah. And so we need to I I don't think we've we've put anything in writing about who his guardian is. So we need to probably who his guardian could be. So I think we need to probably work on that.\n\nChannel 0: 18.\n\nChannel 1: At some point, that's not something you'd probably help with. That's something we just have to go get a what a wheel from the post office or something. Is that the the\n\nChannel 0: Yeah.\n\nChannel 1: thought there?\n\nChannel 0: So the most\n\nChannel 1: Yeah.\n\nChannel 0: easiest ones is obviously lawyers. You've got the\n\nChannel 1: Yep.\n\nChannel 0: courthouse and the public trustee for the state, and then you've got the old post office will kits. They're about $25. And then you've got a post office and solicitor bound power of attorney. So power of attorney is medical and financial decisions if you can't act like you're in the hospital unconscious, whereas the\n\nChannel 1: Yep.\n\nChannel 0: will is if you pass away. So my recommendation always is to just get both in place because, you know, $25 each. And that way,\n\nChannel 1: Yeah.\n\nChannel 0: if you're in a coma, everything's looked after, especially, let's say, you get the job and the mortgage, someone can access the bank account, talk to the doctors, and then the will for your assets, your son, all that kind of thing.\n\nChannel 1: Yep. Okay. Sounds good. Yep.\n\nChannel 0: Cool.\n\nChannel 1: Good idea.\n\nChannel 0: So we'll send that out. Do you want me to email through the beneficiary form to print out or just post it there so you've got a hard copy with a return envelope?\n\nChannel 1: Emailing, I think, is fine. Yep.\n\nChannel 0: Yep. Okay. And, again, just with that, it needs to be because it's a legal document, you've gotta do a wet signature with a pen and just get it witnessed by two people who aren't your beneficiary.\n\nChannel 1: Okay. Alright. And that's the same process, obviously, with the with it being mailed through as well. Yeah?\n\nChannel 0: Yeah. Correct.\n\nChannel 1: Yep. Sounds\n\nChannel 0: Cool. Do you have any preference, like, you can set the beneficiary to expire every three years or just be continuous until you change it? Some people like being forced to look at it. Some people just want it set and forget.\n\nChannel 1: good. I think continuous is fine. Yep.\n\nChannel 0: Yep. And a bit of a weird question, but you can actually choose for it to be legally binding, so the super fund and insurer has to do it, or nonbinding, which gives the trustee discretion on where things go. Yeah.\n\nChannel 1: Interesting. Yeah. That is a weird question. Yeah. I'd I'd say it has to be lit yeah.\n\nI'd say legally binding. Yeah. I can't see why not.\n\nChannel 0: Yeah. That's\n\nChannel 1: I must\n\nChannel 0: the most\n\nChannel 1: have multiple\n\nChannel 0: common one\n\nChannel 1: kids\n\nChannel 0: is just\n\nChannel 1: or something.\n\nChannel 0: non\n\nChannel 1: Yeah.\n\nChannel 0: lapsing binding. Just means it's very specific and everything's kind of locked in. Again, when you get blended families and things like that, it's just kind of like, hey. Super fun look. Here's what I'm thinking.\n\nYou figure it out,\n\nChannel 1: Yeah.\n\nChannel 0: then off you go.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Alright. So we'll keep it a bit of a holding pattern on the super funds. I'm gonna make sure that I leave a sufficient buffer in the rest funds just to make sure that if this continues on for a long period\n\nChannel 1: Yep.\n\nChannel 0: of time, again, there's little risk of lapsing due to, you know, stock market crashes or something like that. And then in that document that I put together, I'll kind of update some projections and figures just so you know how much is gonna go\n\nChannel 1: Yep.\n\nChannel 0: where.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Cool.\n\nChannel 1: Cool.\n\nChannel 0: Alright. Any questions so far on what we've talked about?\n\nChannel 1: No. No. No further questions.\n\nChannel 0: Cool. So what you'll get today is basically the annual review pack service agreement. Now we're gonna be moving on to a tiered fee structure next year. So at the moment, the usual was the 1.65% for the super, but we're gonna tier it so that anyone above 200,000 starts to get fee discounts. So in your next annual review, you'll start to approach those figures, and we'll start applying\n\nChannel 1: Okay.\n\nChannel 0: that new tier structure next year as well.\n\nChannel 1: Yep. Okay. Understood.\n\nChannel 0: Cool. Did you end up getting your password reset email from Hub? We did a bit of a trigger to get that off to you. I don't know if that came through okay.\n\nChannel 1: Yeah. Yeah. Yeah. And I think I'd I I I reset it already. Yep.\n\nChannel 0: Amazing. Okay. Cool. So that's all sorted. It's just basically the beneficiaries, and I can see Michelle coming back from a bit of morning tea.\n\nSo I'll check with her on the rest details as well.\n\nChannel 1: Awesome. Sounds good.\n\nChannel 0: Awesome. Aramae, any last questions for me before I let you go, sir?\n\nChannel 1: No. Nothing further.\n\nChannel 0: Cool. Alright. Last thing for me, goals wise that I'm gonna include in that document is basically just stabilizing the cash flow, getting into the property, possibly maybe go on your holiday and cruise one day when everything settles down a little bit, and then just growing the super and reviewing the insurances at the earliest point that we can.\n\nChannel 1: Yep. Yep. Sounds good. Yep. That's all.\n\nShort, medium term. I'm I still have I don't know if if it's if it's ever been documented there, but I I you know, I've I've been looking into how to you know, I give given my wife's Filipino, how to potentially retire by moving to The Philippines at 50 is my\n\nChannel 0: Yep.\n\nChannel 1: is my thought there. So that's that's that is a goal I'm I'm having to work towards. A bit hard to work towards that when you don't have a job at the moment. But, yeah, that's that's still in the in the top of my mind is to is is to, yeah, to to retire early by moving to where it's much cheaper to live.\n\nChannel 0: Amazing. And we do\n\nChannel 1: Okay.\n\nChannel 0: have a few clients that have been doing that as well. And expatriate advice is kind of fun for us, probably not right and important for you right now. But once you go to another country and you've got funds being managed in Australia or you bring funds across and exchange rates and assets and home purchases and so on, there's heaps of different things to consider and do. So I'll make sure that's kind of the the Northern Star target at the end of it.\n\nChannel 1: Yeah. Awesome. Sounds good.\n\nChannel 0: Awesome, Aaron. Look. I really appreciate you taking the time. I know you've got a lot of things to deal with, so thank you for carving out that time with me this morning.\n\nChannel 1: No\n\nChannel 0: And\n\nChannel 1: worries.\n\nChannel 0: we will be in touch over the fortnight for any other details we need, and then I'll get all the super rolling again in that next document.\n\nChannel 1: Sounds good. Thank you very much.\n\nChannel 0: Thanks, mate. Have a great day.\n\nChannel 1: Thank you. You too. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.88,"sentiment":"neutral","sentiment_score":0.023620476946234703},{"text":"Aaron speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.02777776960283518}],"sentiment":"neutral","sentiment_score":0.026392005383968353,"channel":1,"num_words":3,"start":0.39999998,"end":1.78},{"sentences":[{"text":"Good morning, Aaron.","start":2.24,"end":3.12,"sentiment":"neutral","sentiment_score":0.30888136227925617},{"text":"It's Tommy here, senior adviser of Oakview.","start":3.12,"end":5.12,"sentiment":"neutral","sentiment_score":0.22686941283089773},{"text":"How are you doing?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.20865052938461304}],"sentiment":"neutral","sentiment_score":0.23923800672803605,"channel":0,"num_words":14,"start":2.24,"end":6.02},{"sentences":[{"text":"Yeah.","start":6.64,"end":6.96,"sentiment":"neutral","sentiment_score":0.10968215763568878},{"text":"Going alright.","start":6.96,"end":7.44,"sentiment":"neutral","sentiment_score":0.18106435239315033},{"text":"How are you?","start":7.44,"end":8.18,"sentiment":"neutral","sentiment_score":0.174643208583196}],"sentiment":"neutral","sentiment_score":0.16595674802859625,"channel":1,"num_words":6,"start":6.64,"end":8.18},{"sentences":[{"text":"Right.","start":8.48,"end":8.72,"sentiment":"neutral","sentiment_score":0.16154338419437408},{"text":"Living 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foggy","start":15.2,"end":16.935,"sentiment":"neutral","sentiment_score":-0.16301532089710236}],"sentiment":"neutral","sentiment_score":-0.16301532089710236,"channel":1,"num_words":4,"start":15.2,"end":16.935},{"sentences":[{"text":"end?","start":16.665,"end":17.165,"sentiment":"neutral","sentiment_score":-0.15617498755455017}],"sentiment":"neutral","sentiment_score":-0.15617498755455017,"channel":0,"num_words":1,"start":16.665,"end":17.165},{"sentences":[{"text":"this morning, but not wet, I'd say.","start":16.935,"end":19.815,"sentiment":"neutral","sentiment_score":-0.13022726348468236},{"text":"No.","start":19.815,"end":19.975,"sentiment":"neutral","sentiment_score":-0.1897118091583252},{"text":"Just foggy","start":19.975,"end":20.615,"sentiment":"neutral","sentiment_score":-0.14353370666503906}],"sentiment":"neutral","sentiment_score":-0.138837006688118,"channel":1,"num_words":10,"start":16.935,"end":20.615},{"sentences":[{"text":"Cozy","start":20.345001,"end":20.845001,"sentiment":"neutral","sentiment_score":-0.1598354130983353}],"sentiment":"neutral","sentiment_score":-0.1598354130983353,"channel":0,"num_words":1,"start":20.345001,"end":20.845001},{"sentences":[{"text":"and and overcast.","start":20.615,"end":21.835,"sentiment":"neutral","sentiment_score":-0.1514475792646408}],"sentiment":"neutral","sentiment_score":-0.1514475792646408,"channel":1,"num_words":3,"start":20.615,"end":21.835},{"sentences":[{"text":"morning fog.","start":23.225,"end":24.185001,"sentiment":"neutral","sentiment_score":-0.07639551907777786},{"text":"Well, thank you very much","start":24.185001,"end":25.145,"sentiment":"neutral","sentiment_score":0.24925239384174347}],"sentiment":"neutral","sentiment_score":0.1562101330075945,"channel":0,"num_words":7,"start":23.225,"end":25.145},{"sentences":[{"text":"Yeah.","start":25.095001,"end":25.595001,"sentiment":"neutral","sentiment_score":0.2423478662967682}],"sentiment":"neutral","sentiment_score":0.2423478662967682,"channel":1,"num_words":1,"start":25.095001,"end":25.595001},{"sentences":[{"text":"for taking a few minutes to do your annual review with me this morning.","start":25.145,"end":28.02,"sentiment":"neutral","sentiment_score":0.28619865008762907}],"sentiment":"neutral","sentiment_score":0.28619865008762907,"channel":0,"num_words":14,"start":25.145,"end":28.02},{"sentences":[{"text":"Yeah.","start":28.295,"end":28.455,"sentiment":"neutral","sentiment_score":0.07096567004919052},{"text":"No worries.","start":28.455,"end":29.07,"sentiment":"neutral","sentiment_score":0.06280335411429405}],"sentiment":"neutral","sentiment_score":0.06552412609259288,"channel":1,"num_words":3,"start":28.295,"end":29.07},{"sentences":[{"text":"Before I get stuck into it, I'm just gonna go through a quick security check.","start":29.54,"end":32.760002,"sentiment":"neutral","sentiment_score":0.021359043195843697},{"text":"And basically today, gonna go through the strategies, changing circumstances, and details, and just sort of see what we need to do, if that's alright.","start":32.82,"end":41.48,"sentiment":"neutral","sentiment_score":0.02908477619290352}],"sentiment":"neutral","sentiment_score":0.026187626319006084,"channel":0,"num_words":40,"start":29.54,"end":41.48},{"sentences":[{"text":"Sure thing.","start":41.87,"end":42.465,"sentiment":"neutral","sentiment_score":0.1924753114581108}],"sentiment":"neutral","sentiment_score":0.1924753114581108,"channel":1,"num_words":2,"start":41.87,"end":42.465},{"sentences":[{"text":"Beautiful.","start":43.14,"end":43.64,"sentiment":"positive","sentiment_score":0.3691233694553375},{"text":"So I'm registered with ASIC as adviser 1273105.","start":43.835003,"end":47.995003,"sentiment":"neutral","sentiment_score":0.09124218951910734},{"text":"Could you please confirm your date of birth and address?","start":47.995003,"end":50.495003,"sentiment":"neutral","sentiment_score":0.04298201464116573}],"sentiment":"neutral","sentiment_score":0.08046742273788703,"channel":0,"num_words":19,"start":43.14,"end":50.495003},{"sentences":[{"text":"Yep.","start":51.025,"end":51.345,"sentiment":"neutral","sentiment_score":0.008753541857004166},{"text":"06/27/1990, and my address is 28 Don Mills Avenue, Hebersham, New South Wales 2770.","start":51.345,"end":62.579998,"sentiment":"neutral","sentiment_score":0.020253784688455716}],"sentiment":"neutral","sentiment_score":0.019487101833025613,"channel":1,"num_words":15,"start":51.025,"end":62.579998},{"sentences":[{"text":"Sensational.","start":63.29,"end":63.79,"sentiment":"neutral","sentiment_score":0.038675855845212936},{"text":"Thank you very much for that.","start":64.09,"end":65.45,"sentiment":"positive","sentiment_score":0.3527691811323166},{"text":"Mate, now I've got a few details open in front of me that I wanted to run through.","start":65.45,"end":69.285,"sentiment":"neutral","sentiment_score":0.039726833916372724},{"text":"But before I do, is there anything in particular you're hoping to get out of today's 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enough.","start":88.43,"end":89.41,"sentiment":"neutral","sentiment_score":-0.13011711090803146}],"sentiment":"neutral","sentiment_score":-0.13011711090803146,"channel":0,"num_words":2,"start":88.43,"end":89.41},{"sentences":[{"text":"yeah.","start":89.670006,"end":89.990005,"sentiment":"neutral","sentiment_score":-0.127592533826828},{"text":"So that's that's about it.","start":89.990005,"end":91.43,"sentiment":"neutral","sentiment_score":-0.14306411743164063},{"text":"Yeah.","start":91.43,"end":91.75,"sentiment":"neutral","sentiment_score":-0.11804983019828796},{"text":"So it's yep.","start":91.75,"end":93.270004,"sentiment":"neutral","sentiment_score":-0.17579102516174316},{"text":"We yeah.","start":93.270004,"end":94.810005,"sentiment":"neutral","sentiment_score":-0.21861259639263153}],"sentiment":"neutral","sentiment_score":-0.1604634349544843,"channel":1,"num_words":12,"start":89.670006,"end":94.810005},{"sentences":[{"text":"Our circumstances have changed drastically in the last few weeks, but","start":95.270004,"end":99.05,"sentiment":"neutral","sentiment_score":-0.3028509169816971}],"sentiment":"neutral","sentiment_score":-0.3028509169816971,"channel":1,"num_words":11,"start":95.270004,"end":99.05},{"sentences":[{"text":"Yep.","start":99.07,"end":99.375,"sentiment":"neutral","sentiment_score":-0.22015893459320068}],"sentiment":"neutral","sentiment_score":-0.22015893459320068,"channel":0,"num_words":1,"start":99.07,"end":99.375},{"sentences":[{"text":"I, yeah, I sort of lost my job, and and my wife was also made redundant as well.","start":100.415,"end":106.255005,"sentiment":"negative","sentiment_score":-0.3884018212556839},{"text":"So,","start":106.255005,"end":106.65501,"sentiment":"neutral","sentiment_score":-0.14228636026382446}],"sentiment":"negative","sentiment_score":-0.3754483759403229,"channel":1,"num_words":19,"start":100.415,"end":106.65501},{"sentences":[{"text":"Oh, 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not not great timing for for the Edwards household at the moment.","start":126.47,"end":130.665,"sentiment":"neutral","sentiment_score":-0.11191940866410732}],"sentiment":"neutral","sentiment_score":-0.15206198720261455,"channel":1,"num_words":32,"start":119.91,"end":130.665},{"sentences":[{"text":"No.","start":131.08499,"end":131.245,"sentiment":"neutral","sentiment_score":-0.07714001834392548},{"text":"That's totally","start":131.245,"end":131.965,"sentiment":"neutral","sentiment_score":-0.0026550977490842342}],"sentiment":"neutral","sentiment_score":-0.027483404614031315,"channel":0,"num_words":3,"start":131.08499,"end":131.965},{"sentences":[{"text":"So","start":131.685,"end":131.84499,"sentiment":"neutral","sentiment_score":0.02244708687067032}],"sentiment":"neutral","sentiment_score":0.02244708687067032,"channel":1,"num_words":1,"start":131.685,"end":131.84499},{"sentences":[{"text":"fair 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just kind of do an engine","start":1134.4099,"end":1147.62,"sentiment":"neutral","sentiment_score":0.13565046752386906}],"sentiment":"neutral","sentiment_score":-0.02712072026915848,"channel":0,"num_words":80,"start":1124.8099,"end":1147.62},{"sentences":[{"text":"Yep.","start":1149.635,"end":1150.135,"sentiment":"neutral","sentiment_score":0.0667310506105423},{"text":"Yep.","start":1150.275,"end":1150.6749,"sentiment":"neutral","sentiment_score":0.05675973743200302},{"text":"So I think Michelle mentioned Ben along or something.","start":1150.6749,"end":1153.5549,"sentiment":"neutral","sentiment_score":0.009654056487811936},{"text":"Is that is that 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attorney is medical and financial decisions if you can't act like you're in the hospital unconscious, whereas the","start":1375.7999,"end":1383.095,"sentiment":"neutral","sentiment_score":-0.05048807799106553}],"sentiment":"neutral","sentiment_score":-0.006117314879189838,"channel":0,"num_words":55,"start":1363.595,"end":1383.095},{"sentences":[{"text":"Yep.","start":1383.06,"end":1383.56,"sentiment":"neutral","sentiment_score":-0.08236373960971832}],"sentiment":"neutral","sentiment_score":-0.08236373960971832,"channel":1,"num_words":1,"start":1383.06,"end":1383.56},{"sentences":[{"text":"will is if you pass away.","start":1383.095,"end":1384.7949,"sentiment":"neutral","sentiment_score":-0.11259263505538304},{"text":"So my recommendation always is to just get both in place because, you know, $25 each.","start":1384.855,"end":1389.735,"sentiment":"neutral","sentiment_score":0.10487643489614129},{"text":"And that 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thing.","start":1390.5349,"end":1402.45,"sentiment":"neutral","sentiment_score":0.00890874036503235}],"sentiment":"neutral","sentiment_score":0.00890874036503235,"channel":0,"num_words":42,"start":1390.5349,"end":1402.45},{"sentences":[{"text":"Yep.","start":1403.0249,"end":1403.345,"sentiment":"neutral","sentiment_score":0.10463665425777437},{"text":"Okay.","start":1403.345,"end":1403.825,"sentiment":"neutral","sentiment_score":0.2168780267238617},{"text":"Sounds 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you have any preference, like, you can set the beneficiary to expire every three years or just be continuous until you change it?","start":1438.965,"end":1445.225,"sentiment":"neutral","sentiment_score":0.09920916613191366},{"text":"Some people like being forced to look at it.","start":1445.445,"end":1447.525,"sentiment":"neutral","sentiment_score":-0.023626530542969704},{"text":"Some people just want it set and forget.","start":1447.525,"end":1449.385,"sentiment":"neutral","sentiment_score":0.04030114458873868}],"sentiment":"neutral","sentiment_score":0.0713502240056793,"channel":0,"num_words":42,"start":1438.33,"end":1449.385},{"sentences":[{"text":"good.","start":1449.2,"end":1449.7,"sentiment":"positive","sentiment_score":0.4386288523674011},{"text":"I think continuous is 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well.","start":1552.515,"end":1554.775,"sentiment":"neutral","sentiment_score":0.07868821732699871}],"sentiment":"neutral","sentiment_score":0.07868821732699871,"channel":0,"num_words":8,"start":1552.515,"end":1554.775},{"sentences":[{"text":"Yep.","start":1555.47,"end":1555.95,"sentiment":"neutral","sentiment_score":0.1015193909406662},{"text":"Okay.","start":1555.95,"end":1556.45,"sentiment":"neutral","sentiment_score":0.06573764979839325},{"text":"Understood.","start":1556.59,"end":1557.09,"sentiment":"neutral","sentiment_score":0.09385959804058076}],"sentiment":"neutral","sentiment_score":0.0870388795932134,"channel":1,"num_words":3,"start":1555.47,"end":1557.09},{"sentences":[{"text":"Cool.","start":1557.235,"end":1557.63,"sentiment":"neutral","sentiment_score":0.3220265507698059},{"text":"Did you end up getting your password reset email from Hub?","start":1557.87,"end":1560.75,"sentiment":"neutral","sentiment_score":0.07958786087957295},{"text":"We did a bit of a trigger to get that off to you.","start":1560.75,"end":1562.75,"sentiment":"neutral","sentiment_score":0.03042047585432346},{"text":"I don't know if that came through okay.","start":1562.75,"end":1564.61,"sentiment":"neutral","sentiment_score":-0.022415641462430358}],"sentiment":"neutral","sentiment_score":0.04283739620763244,"channel":0,"num_words":33,"start":1557.235,"end":1564.61},{"sentences":[{"text":"Yeah.","start":1564.245,"end":1564.745,"sentiment":"neutral","sentiment_score":0.02526235394179821},{"text":"Yeah.","start":1564.8049,"end":1565.0449,"sentiment":"neutral","sentiment_score":0.02484959736466408},{"text":"Yeah.","start":1565.0449,"end":1565.2849,"sentiment":"neutral","sentiment_score":0.022548487409949303},{"text":"And I think I'd I I I reset it already.","start":1565.2849,"end":1567.945,"sentiment":"neutral","sentiment_score":0.01744704581797123},{"text":"Yep.","start":1568.1649,"end":1568.6649,"sentiment":"neutral","sentiment_score":0.2058037370443344}],"sentiment":"neutral","sentiment_score":0.032352473852889876,"channel":1,"num_words":14,"start":1564.245,"end":1568.6649},{"sentences":[{"text":"Amazing.","start":1568.75,"end":1569.23,"sentiment":"positive","sentiment_score":0.4472269117832184},{"text":"Okay.","start":1569.23,"end":1569.55,"sentiment":"positive","sentiment_score":0.3397844731807709},{"text":"Cool.","start":1569.55,"end":1569.87,"sentiment":"positive","sentiment_score":0.45133477449417114},{"text":"So that's all sorted.","start":1569.87,"end":1570.79,"sentiment":"positive","sentiment_score":0.35041170567274094},{"text":"It's just basically the beneficiaries, and I can see Michelle coming back from a bit of morning tea.","start":1570.79,"end":1576.655,"sentiment":"neutral","sentiment_score":0.27565951231453156}],"sentiment":"neutral","sentiment_score":0.30407456815242767,"channel":0,"num_words":25,"start":1568.75,"end":1576.655},{"sentences":[{"text":"So I'll check with her on the rest details as well.","start":1576.655,"end":1579.155,"sentiment":"neutral","sentiment_score":0.19793841513720425}],"sentiment":"neutral","sentiment_score":0.19793841513720425,"channel":0,"num_words":11,"start":1576.655,"end":1579.155},{"sentences":[{"text":"Awesome.","start":1579.76,"end":1580.26,"sentiment":"positive","sentiment_score":0.5818130970001221},{"text":"Sounds good.","start":1580.4,"end":1581.2201,"sentiment":"positive","sentiment_score":0.5477663278579712}],"sentiment":"positive","sentiment_score":0.5591152509053549,"channel":1,"num_words":3,"start":1579.76,"end":1581.2201},{"sentences":[{"text":"Awesome.","start":1581.375,"end":1581.775,"sentiment":"positive","sentiment_score":0.4604793190956116},{"text":"Aramae, any last questions for me before I let you go, sir?","start":1581.775,"end":1584.595,"sentiment":"neutral","sentiment_score":0.15001319162547588}],"sentiment":"neutral","sentiment_score":0.17389520143087095,"channel":0,"num_words":13,"start":1581.375,"end":1584.595},{"sentences":[{"text":"No.","start":1585.2001,"end":1585.52,"sentiment":"neutral","sentiment_score":-0.020274493843317032},{"text":"Nothing further.","start":1585.52,"end":1586.42,"sentiment":"neutral","sentiment_score":-0.001040356233716011}],"sentiment":"neutral","sentiment_score":-0.007451735436916351,"channel":1,"num_words":3,"start":1585.2001,"end":1586.42},{"sentences":[{"text":"Cool.","start":1587.215,"end":1587.615,"sentiment":"neutral","sentiment_score":0.12309131026268004},{"text":"Alright.","start":1587.615,"end":1588.11,"sentiment":"neutral","sentiment_score":0.12896186113357544},{"text":"Last thing for me, goals wise that I'm gonna include in that document is basically just stabilizing the cash flow, getting into the property, possibly maybe go on your holiday and cruise one day when everything settles down a little bit, and then just growing the super and reviewing the insurances at the earliest point that we can.","start":1588.59,"end":1606.005,"sentiment":"neutral","sentiment_score":0.14494612864379225}],"sentiment":"neutral","sentiment_score":0.1443154772122701,"channel":0,"num_words":60,"start":1587.215,"end":1606.005},{"sentences":[{"text":"Yep.","start":1607.03,"end":1607.3501,"sentiment":"neutral","sentiment_score":0.06496191024780273},{"text":"Yep.","start":1607.3501,"end":1607.67,"sentiment":"neutral","sentiment_score":0.09100785106420516},{"text":"Sounds good.","start":1607.67,"end":1608.15,"sentiment":"neutral","sentiment_score":0.20737818628549576},{"text":"Yep.","start":1608.15,"end":1608.31,"sentiment":"neutral","sentiment_score":0.08956199884414673},{"text":"That's all.","start":1608.31,"end":1608.87,"sentiment":"neutral","sentiment_score":0.06607491336762905}],"sentiment":"neutral","sentiment_score":0.11320542278034347,"channel":1,"num_words":7,"start":1607.03,"end":1608.87},{"sentences":[{"text":"Short, medium term.","start":1608.87,"end":1609.99,"sentiment":"neutral","sentiment_score":0.021997276693582535},{"text":"I'm I still have I don't know if if it's if it's ever been documented there, but I I you know, I've I've been looking into how to you know, I give given my wife's Filipino, how to potentially retire by moving to The Philippines at 50 is my","start":1609.99,"end":1627.9249,"sentiment":"neutral","sentiment_score":0.03127850225309328}],"sentiment":"neutral","sentiment_score":0.03074304693235228,"channel":1,"num_words":52,"start":1608.87,"end":1627.9249},{"sentences":[{"text":"Yep.","start":1627.76,"end":1628.025,"sentiment":"neutral","sentiment_score":0.05955345183610916}],"sentiment":"neutral","sentiment_score":0.05955345183610916,"channel":0,"num_words":1,"start":1627.76,"end":1628.025},{"sentences":[{"text":"is my thought there.","start":1628.065,"end":1629.205,"sentiment":"neutral","sentiment_score":0.047814492136240005},{"text":"So that's that's that is a goal I'm I'm having to work towards.","start":1629.825,"end":1634.04,"sentiment":"neutral","sentiment_score":0.09096158754367095},{"text":"A bit hard to work towards that when you don't have a job at the moment.","start":1634.4401,"end":1636.76,"sentiment":"neutral","sentiment_score":-0.06352221081033349},{"text":"But, yeah, that's that's still in the in the top of my mind is to is is to, yeah, to to retire early by moving to where it's much cheaper to live.","start":1636.76,"end":1647.525,"sentiment":"neutral","sentiment_score":0.24466519593261182}],"sentiment":"neutral","sentiment_score":0.12594906928447577,"channel":1,"num_words":65,"start":1628.065,"end":1647.525},{"sentences":[{"text":"Amazing.","start":1648.12,"end":1648.62,"sentiment":"positive","sentiment_score":0.7255221605300903},{"text":"And we do","start":1648.68,"end":1649.3201,"sentiment":"positive","sentiment_score":0.39613978068033856}],"sentiment":"positive","sentiment_score":0.4784853756427765,"channel":0,"num_words":4,"start":1648.12,"end":1649.3201},{"sentences":[{"text":"Okay.","start":1649.285,"end":1649.785,"sentiment":"neutral","sentiment_score":0.3099258542060852}],"sentiment":"neutral","sentiment_score":0.3099258542060852,"channel":1,"num_words":1,"start":1649.285,"end":1649.785},{"sentences":[{"text":"have a few clients that have been doing that as well.","start":1649.3201,"end":1651.66,"sentiment":"neutral","sentiment_score":0.27784161134199664},{"text":"And expatriate advice is kind of fun for us, probably not right and important for you right now.","start":1651.7201,"end":1657.335,"sentiment":"neutral","sentiment_score":0.2620685895284017},{"text":"But once you go to another country and you've got funds being managed in Australia or you bring funds across and exchange rates and assets and home purchases and so on, there's heaps of different things to consider and do.","start":1657.395,"end":1668.06,"sentiment":"neutral","sentiment_score":0.12854220727458596},{"text":"So I'll make sure that's kind of the the Northern Star target at the end of it.","start":1668.3,"end":1673.1201,"sentiment":"neutral","sentiment_score":0.19455853542860815}],"sentiment":"neutral","sentiment_score":0.1886357642970113,"channel":0,"num_words":86,"start":1649.3201,"end":1673.1201},{"sentences":[{"text":"Yeah.","start":1673.69,"end":1674.01,"sentiment":"positive","sentiment_score":0.35331666469573975},{"text":"Awesome.","start":1674.01,"end":1674.51,"sentiment":"positive","sentiment_score":0.7423285245895386},{"text":"Sounds good.","start":1674.57,"end":1675.215,"sentiment":"positive","sentiment_score":0.7404789924621582}],"sentiment":"positive","sentiment_score":0.6441507935523987,"channel":1,"num_words":4,"start":1673.69,"end":1675.215},{"sentences":[{"text":"Awesome, Aaron.","start":1675.66,"end":1676.38,"sentiment":"positive","sentiment_score":0.7326363921165466},{"text":"Look.","start":1676.38,"end":1676.6201,"sentiment":"positive","sentiment_score":0.6402059197425842},{"text":"I really appreciate you taking the time.","start":1676.6201,"end":1678.06,"sentiment":"positive","sentiment_score":0.8037921360560826},{"text":"I know you've got a lot of things to deal with, so thank you for carving out that time with me this morning.","start":1678.06,"end":1682.595,"sentiment":"positive","sentiment_score":0.5461900998716769}],"sentiment":"positive","sentiment_score":0.6149816955580856,"channel":0,"num_words":33,"start":1675.66,"end":1682.595},{"sentences":[{"text":"No","start":1683.455,"end":1683.775,"sentiment":"neutral","sentiment_score":0.2181415557861328}],"sentiment":"neutral","sentiment_score":0.2181415557861328,"channel":1,"num_words":1,"start":1683.455,"end":1683.775},{"sentences":[{"text":"And","start":1683.635,"end":1684.115,"sentiment":"neutral","sentiment_score":0.18734464049339297}],"sentiment":"neutral","sentiment_score":0.18734464049339297,"channel":0,"num_words":1,"start":1683.635,"end":1684.115},{"sentences":[{"text":"worries.","start":1683.775,"end":1684.275,"sentiment":"neutral","sentiment_score":0.2339060604572296}],"sentiment":"neutral","sentiment_score":0.2339060604572296,"channel":1,"num_words":1,"start":1683.775,"end":1684.275},{"sentences":[{"text":"we will be in touch over the fortnight for any other details we need, and then I'll get all the super rolling again in that next document.","start":1684.115,"end":1691.3948,"sentiment":"positive","sentiment_score":0.43572492952700015}],"sentiment":"positive","sentiment_score":0.43572492952700015,"channel":0,"num_words":27,"start":1684.115,"end":1691.3948},{"sentences":[{"text":"Sounds good.","start":1692.5099,"end":1693.07,"sentiment":"positive","sentiment_score":0.7599843740463257},{"text":"Thank you very much.","start":1693.07,"end":1694.13,"sentiment":"positive","sentiment_score":0.8175541907548904}],"sentiment":"positive","sentiment_score":0.7983642518520355,"channel":1,"num_words":6,"start":1692.5099,"end":1694.13},{"sentences":[{"text":"Thanks, mate.","start":1694.1748,"end":1694.8948,"sentiment":"positive","sentiment_score":0.7966829836368561},{"text":"Have a great day.","start":1694.8948,"end":1695.7948,"sentiment":"positive","sentiment_score":0.7762241065502167}],"sentiment":"positive","sentiment_score":0.7830437322457632,"channel":0,"num_words":6,"start":1694.1748,"end":1695.7948},{"sentences":[{"text":"Thank you.","start":1696.19,"end":1696.59,"sentiment":"positive","sentiment_score":0.7033269107341766},{"text":"You too.","start":1696.59,"end":1697.1499,"sentiment":"positive","sentiment_score":0.46553459763526917},{"text":"Bye.","start":1697.1499,"end":1697.6499,"sentiment":"neutral","sentiment_score":0.2957841157913208}],"sentiment":"positive","sentiment_score":0.5267014265060425,"channel":1,"num_words":5,"start":1696.19,"end":1697.6499},{"sentences":[{"text":"Bye.","start":1697.6948,"end":1698.1948,"sentiment":"neutral","sentiment_score":-0.07965512573719025}],"sentiment":"neutral","sentiment_score":-0.07965512573719025,"channel":0,"num_words":1,"start":1697.6948,"end":1698.1948}]},"summary":{"result":"success","short":"The speakers discuss the customer's health insurance coverage and the possibility of switching to a different super fund depending on their employer. They suggest updating coverage and updating statements, and mention the risks of losing coverage and the importance of updating the statement. The speakers also discuss transferring excess money and updating investments, and provide information on setting up beneficiaries and updating projections and figures for the fee structure. They emphasize the importance of building a million dollars and getting high returns for the rest fund, and provide projections and figures for the fee structure. The goal is to retire early by moving to a new country."},"intents":{"segments":[{"text":"Before I get stuck into it, I'm just gonna go through a quick security check. And basically today, gonna go through the strategies, changing circumstances, and details, and just sort of see what we need to do, if that's alright. Sure thing.","start_word":84,"end_word":125,"intents":[{"intent":"Request security check","confidence_score":0.0069602993},{"intent":"Discuss security check details","confidence_score":0.00046362786}]},{"text":"So I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address?","start_word":127,"end_word":144,"intents":[{"intent":"Confirm identity","confidence_score":0.043045685}]},{"text":"So I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? Yep.","start_word":127,"end_word":145,"intents":[{"intent":"Identify personal details","confidence_score":0.000163635},{"intent":"Confirm date of birth","confidence_score":0.4124488},{"intent":"Confirm date of birth","confidence_score":0.39771757},{"intent":"Confirm date of birth","confidence_score":0.33617818},{"intent":"Confirm date of birth","confidence_score":0.3909622},{"intent":"Confirm personal details","confidence_score":0.019020297},{"intent":"Confirm date of birth","confidence_score":0.027601046}]},{"text":"So I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? Yep. 06/27/1990, and my address is 28 Don Mills Avenue, Hebersham, New South Wales 2770.","start_word":127,"end_word":159,"intents":[{"intent":"Verify address","confidence_score":0.005093761},{"intent":"Confirm address","confidence_score":0.2825437},{"intent":"Confirm address","confidence_score":0.1792265},{"intent":"Confirm address","confidence_score":0.19239789}]},{"text":"Unless you unless you have a job for me because I'm unemployed. So Fair enough.","start_word":206,"end_word":220,"intents":[{"intent":"Confirm employment status","confidence_score":0.002028476}]},{"text":"Our circumstances have changed drastically in the last few weeks, but Yep. I, yeah, I sort of lost my job, and and my wife was also made redundant as well. So, Oh, no.","start_word":233,"end_word":265,"intents":[{"intent":"Discuss past changes","confidence_score":0.000032139436}]},{"text":"And and really, sadly for us, we have a our unit that's been built being built for, like, the last three years and delayed Yeah.","start_word":275,"end_word":299,"intents":[{"intent":"Discuss unit building delay","confidence_score":0.00029762072}]},{"text":"two years is due in about, I don't know, about a couple of months from now.","start_word":300,"end_word":315,"intents":[{"intent":"Declare due date","confidence_score":0.000024243365}]},{"text":"So, yeah, not not great timing for for the Edwards household at the moment.","start_word":318,"end_word":331,"intents":[{"intent":"Update timing","confidence_score":0.014467045}]},{"text":"I I I did some I just came back from a job interview this morning. So yeah.","start_word":379,"end_word":395,"intents":[{"intent":"Discuss job interview","confidence_score":0.15517992}]},{"text":"The AI and IT is not like, lots lots of IT people have lost their jobs due to AI. So Oh, no.","start_word":401,"end_word":422,"intents":[{"intent":"Clarify ai impact","confidence_score":0.027215725}]},{"text":"The AI and IT is not like, lots lots of IT people have lost their jobs due to AI. So Oh, no. yeah.","start_word":401,"end_word":423,"intents":[{"intent":"Resolve account issue","confidence_score":0.000055322562}]},{"text":"So when I do start at a new place, which super details do I give them?","start_word":572,"end_word":587,"intents":[{"intent":"Confirm job details","confidence_score":0.005804102}]},{"text":"Some super funds have one opt in for both, and some have two where you've got to kind of make sure it's protected in both circumstances.","start_word":1076,"end_word":1101,"intents":[{"intent":"Clarify insurance coverage options","confidence_score":0.002172111}]},{"text":"to the next employer, so their default fund will definitely give you default cover, and that's one way of kind of bumping things up a little bit. But I would definitely love to have a bit of a comparison around when you find out what fund they're with, if possible.","start_word":1445,"end_word":1494,"intents":[{"intent":"Compare fund options","confidence_score":0.11822687}]},{"text":"So this email came on the thirtieth, Yep. and it said, yeah, you let us know on June 19 that you wanted to keep your rest insurance covered with. Yeah.","start_word":1763,"end_word":1792,"intents":[{"intent":"Keep insurance covered","confidence_score":0.12063236}]},{"text":"So when we go through the super now, what I'll basically do is I can put together just a little bit of an updated plan to say, okay. We'll move across this much and possibly update some of the investments inside the hub. And then if you're Yep. comfortable with both of those things, we can basically do rollovers and investments, which is all in the background for you.","start_word":2150,"end_word":2218,"intents":[{"intent":"Assist with investments","confidence_score":0.0001845192}]},{"text":"Basically, it's it's growing pretty well without the contributions coming in. Like, the the market's kind of dipped with the fuel crisis and the war and everything, and it bounced back from a $103 up to a 114 plus what you've been accumulating and growing in rest along side it as well. Yeah.","start_word":3228,"end_word":3280,"intents":[{"intent":"Report market progress","confidence_score":0.000626433}]},{"text":"in the situation that you're in, I do wanna make one further change while I'm doing the rest, which Sure.","start_word":3407,"end_word":3426,"intents":[{"intent":"Change funds","confidence_score":0.13530193}]},{"text":"I think with the high fees that it attracts, you're probably better off going to something a little bit lower fees, but still that double digit returns. Yeah.","start_word":3582,"end_word":3609,"intents":[{"intent":"Lower fees","confidence_score":0.73916435}]},{"text":"As long as you're still comfortable, obviously, with that high growth approach, you know, you're trying to build you that million dollars and get as much returns as possible.","start_word":3612,"end_word":3640,"intents":[{"intent":"Maintain returns","confidence_score":0.07306854}]},{"text":"But our idea, of course, is that when you get closer to that age 60 to access your super, we can reduce the risk down once you've actually built the nest egg. Yep.","start_word":3663,"end_word":3695,"intents":[{"intent":"Reduce risk","confidence_score":0.50139135}]},{"text":"What I will do as well, I'm gonna send out that annual review pack and, like, service agreement and so on. Just make sure that's all still active so we can actually have access to the accounts and move things around.","start_word":3708,"end_word":3748,"intents":[{"intent":"Send annual review pack","confidence_score":0.025665844}]},{"text":"just gonna double check as well ID because that's a funny one that kind of clicks off sometimes.","start_word":3752,"end_word":3769,"intents":[{"intent":"Confirm identity","confidence_score":0.011455219}]},{"text":"Michelle asked me to send through my updated driver's license because it Amazing. had just expired. So yep. So I've sent that through a few days ago. Perfect.","start_word":3781,"end_word":3808,"intents":[{"intent":"Confirm license expiration","confidence_score":0.35890874}]},{"text":"So that'll be what we can certify to get all of that information and get the movements going.","start_word":3812,"end_word":3829,"intents":[{"intent":"Verify approval","confidence_score":0.000028032031},{"intent":"Confirm details","confidence_score":0.012909515}]},{"text":"So that'll be what we can certify to get all of that information and get the movements going. So, basically, from here, Aaron, is I will basically put this plan together over the next week or so. Michelle will just get you booked back in for a quick fifteen minute chat with me just to run through the figures and the document, make sure you're comfortable with the changes, and then we can clean that up in the background for you.","start_word":3812,"end_word":3892,"intents":[{"intent":"Confirm arrangement","confidence_score":0.00976425}]},{"text":"So that'll be what we can certify to get all of that information and get the movements going. So, basically, from here, Aaron, is I will basically put this plan together over the next week or so. Michelle will just get you booked back in for a quick fifteen minute chat with me just to run through the figures and the document, make sure you're comfortable with the changes, and then we can clean that up in the background for you. Yep.","start_word":3812,"end_word":3893,"intents":[{"intent":"Provide documentation","confidence_score":0.001586303}]},{"text":"Michelle will just get you booked back in for a quick fifteen minute chat with me just to run through the figures and the document, make sure you're comfortable with the changes, and then we can clean that up in the background for you. Yep.","start_word":3849,"end_word":3893,"intents":[{"intent":"Call back","confidence_score":0.00059648225},{"intent":"Provide support","confidence_score":0.0039054477}]},{"text":"So that's that's definitely the case for all super funds. I don't know if it's worth like, is there a is there something there that happens if something happened to both of us? Is there a a provision for who's a backup or in case something happens to her or or I mean, it'll just probably go to our son anyway, but he's four. So, Yeah.","start_word":3964,"end_word":4029,"intents":[{"intent":"Provide information on super fund","confidence_score":0.000027479324}]},{"text":"easiest ones is obviously lawyers. You've got the Yep. courthouse and the public trustee for the state, and then you've got the old post office will kits. They're about $25. And then you've got a post office and solicitor bound power of attorney. So power of attorney is medical and financial decisions if you can't act like you're in the hospital unconscious, whereas the Yep. will is if you pass away.","start_word":4199,"end_word":4269,"intents":[{"intent":"Educate about power of attorney","confidence_score":0.0053694085}]},{"text":"Do you have any preference, like, you can set the beneficiary to expire every three years or just be continuous until you change it?","start_word":4439,"end_word":4462,"intents":[{"intent":"Determine beneficiary preference","confidence_score":0.0074401447}]}]},"sentiments":{"segments":[{"text":"Hello. Aaron speaking. Good morning, Aaron. It's Tommy here, senior adviser of Oakview. How are you doing? Yeah. Going alright. How are you? Right. Living the Yeah.","start_word":0,"end_word":26,"sentiment":"neutral","sentiment_score":0.20749545097351071},{"text":"dream so far. It's a fantastic cloudy, cold, wet day.","start_word":27,"end_word":36,"sentiment":"positive","sentiment_score":0.474496454000473},{"text":"What about your It was pretty foggy end? this morning, but not wet, I'd say. No. Just foggy Cozy and and overcast. morning fog. Well, thank you very much Yeah. for taking a few minutes to do your annual review with me this morning. Yeah. No worries. Before I get stuck into it, I'm just gonna go through a quick security check. And basically today, gonna go through the strategies, changing circumstances, and details, and just sort of see what we need to do, if that's alright. Sure thing.","start_word":37,"end_word":125,"sentiment":"neutral","sentiment_score":0.030870556831359863},{"text":"Beautiful.","start_word":126,"end_word":126,"sentiment":"positive","sentiment_score":0.3691233694553375},{"text":"So I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? Yep. 06/27/1990, and my address is 28 Don Mills Avenue, Hebersham, New South Wales 2770. Sensational.","start_word":127,"end_word":160,"sentiment":"neutral","sentiment_score":0.04155545309185982},{"text":"Thank you very much for that.","start_word":161,"end_word":166,"sentiment":"positive","sentiment_score":0.35925307869911194},{"text":"Mate, now I've got a few details open in front of me that I wanted to run through. But before I do, is there anything in particular you're hoping to get out of today's review? No. Not not really. Unless you unless you have a job for me because I'm unemployed. So Fair enough. yeah. So that's that's about it. Yeah. So it's yep. We yeah. Our circumstances have changed drastically in the last few weeks, but Yep.","start_word":167,"end_word":244,"sentiment":"neutral","sentiment_score":-0.15059471130371094},{"text":"I, yeah, I sort of lost my job, and and my wife was also made redundant as well.","start_word":245,"end_word":262,"sentiment":"negative","sentiment_score":-0.3808267116546631},{"text":"So, Oh, no. yep, The double we're in hit. the double hit.","start_word":263,"end_word":274,"sentiment":"neutral","sentiment_score":-0.2691320478916168},{"text":"And and really, sadly for us, we have a our unit that's been built being built for, like, the last three years and delayed Yeah.","start_word":275,"end_word":299,"sentiment":"negative","sentiment_score":-0.43397098779678345},{"text":"two years is due in about, I don't know, about a couple of months from now. So yep. So, yeah, not not great timing for for the Edwards household at the moment. No. That's totally So fair enough. And I did see a note there from Michelle that you might even be looking at changing things up quite a bit to maybe do some with the truck driving, bit of bit of local yeah. stuff. Yeah. That's right. Yes. I I I did some I just came back from a job interview this morning. So yeah. Yep. Yeah. I don't know.","start_word":300,"end_word":400,"sentiment":"neutral","sentiment_score":0.03387099600369387},{"text":"The AI and IT is not like, lots lots of IT people have lost their jobs due to AI.","start_word":401,"end_word":419,"sentiment":"negative","sentiment_score":-0.35208824276924133},{"text":"So Oh, no. yeah. So yeah.","start_word":420,"end_word":425,"sentiment":"neutral","sentiment_score":-0.1922185719013214},{"text":"So I think it it was a con a contributor to my downfall.","start_word":426,"end_word":438,"sentiment":"negative","sentiment_score":-0.37303856015205383},{"text":"So I thought, yeah, what could be a a job that's AI proof? Yeah. And switch it up a little bit rather than trying to just keep pushing uphill in the current industry kind of Yeah. That's right. thing. Okay. So in a bit of a holding pattern for the time being, and Yep. my job space, we're just to make sure that the super just keeps moving in the background for you so you don't have to worry about it and while you sort of get back on the feet and everything. Is there Sure anything thing. that I can, like, specifically help you with today where you would want an extra conversation outside of just, you know, reviewing the super? Yeah. So I I just need to double check as well. So when I do start at a new place, which super details do I give them? Because we have this whole thing where we're trying to keep my balances current. So so my so we we had we had a minimum balance we're trying to keep in rest to Yep. keep my insurance active. Every now and then, I I sort of get an email from them suggesting that there might be a I I I don't know, that I haven't contributed to rest in a while and and therefore but, you know, they're still keeping my cover current for a little bit. I thought we fixed that last time. Yep. With a bit of an opt in or something like that. Yeah. Yeah. So yeah. So I just wanna just double check that that, yeah, insurances are still there. But but then also, I think at my next role, whatever it is, I should try to opt for whatever super fund they have so that I can get the get get whatever health insurances they have in that super fund because, yeah, you know, we we we tried when I initially went to Netwealth, we tried to do a a yeah. Yeah. To to to move me on to Netwealth's, you know, health coverage.","start_word":439,"end_word":786,"sentiment":"neutral","sentiment_score":0.06902912216282439},{"text":"But, yeah, they sent a sent a lovely nurse out, and and it was all friendly.","start_word":787,"end_word":802,"sentiment":"positive","sentiment_score":0.37540557980537415},{"text":"But then, yeah, basically, they said, yeah. Yeah. No one would insure you The in old the next knockback. thousand years. So so yes. So fair enough. I have a typical IT guy's physique. So yeah. So yeah. So those are those are the sorts of conversations I'm thinking about because yeah. Because the the the I Yep.","start_word":803,"end_word":860,"sentiment":"neutral","sentiment_score":-0.03237926959991455},{"text":"think the insurance cover is too low for rest.","start_word":861,"end_word":869,"sentiment":"negative","sentiment_score":-0.33359527587890625},{"text":"And, yeah, I didn't realize this whole time that I probably could've when I was at Fujifilm, Fujifilm had Mercer, I think, or something along those lines, I could've Uh-huh. could've probably transferred across to Mercer and and got a higher coverage then. So, Yep.","start_word":870,"end_word":914,"sentiment":"neutral","sentiment_score":-0.1926540434360504},{"text":"yeah, it's a little bit a little bit disappointing that I I didn't think of that at the time.","start_word":915,"end_word":933,"sentiment":"negative","sentiment_score":-0.6136263608932495},{"text":"So I'm hoping that yeah. I don't know. What what do you think along those lines? First of all, am I currently covered at reps? And and then, yeah, secondly, what should I do for increasing my health cover? Is is that a good approach to switch to a different super fund depending on who I who my next employer is? Yeah. Absolutely. So outside of getting the old time machine to skip a thousand years, I do Yeah. have Yep. a few thoughts. Sure. So first thing is when it comes to the rest cover, there's two types of ways you can lose the cover, and that's Yep. either a low balance or an inactive account. So, you know, no contributions for eighteen months is usually the cutoff. And Yep. if it goes below 6,000 is the other sort of risk. Some super funds have one opt in for both, and some have two where you've got to kind of make sure it's protected in both circumstances. So I would hazard that the cover is still there, and I believe were you sending through a bit of an updated statement through, or have you already done so? I think I I sent through I don't know what the the last email that I got from but it it wasn't a statement on there. So yeah. But yeah. So I I thought now I'm gonna try and unplug my phone and hope that it still continues on Bluetooth. So, hopefully, Yep. you're still Go there. for You it. can still hear me.","start_word":934,"end_word":1195,"sentiment":"neutral","sentiment_score":-0.07506377358017986},{"text":"Good. Excellent. I can so Fine.","start_word":1196,"end_word":1201,"sentiment":"positive","sentiment_score":0.4297400712966919},{"text":"far. Yeah. Good. Okay. And yeah. So, yeah, so I I I recall that we had a little bit of a scare a little while back where where we realized that I was in danger of losing it because I wasn't contributing to it. Yep. I thought I was following, like, you's advice at the time, but that's okay. And so and so then I think we then updated my super because because I thought I thought the plan was supposed to be that I keep getting paid into rest, and then I think I think you guys would then every time it so sorta any any anything in excess of $15 or whatever it was or $10, you guys would then arrange to move into into it was Netwealth at the time, but I think it changed to something else. Hub Hub To twenty hub four. now. Yeah. Yeah. So Yep. do that old sweep across once Yep. it goes above that balance, that kind of thing. So, Yeah. basically, if you've only just gone to the unemployment, your your funds and your insurances will be protected. I'm gonna have a look through that rundown to see whether what the risks are, if any. And if it's all still Yep. protected, I'll I'll kind of get back to you straight away on that one. But I'm just gonna have a little Stop hunt around me. for those details. When it comes Yeah. to the next employer, so their default fund will definitely give you default cover, and that's one way of kind of bumping things up a little bit. But I would definitely love to have a bit of a comparison around when you find out what fund they're with, if possible. Yep. So what Sure I would like to do is if you get accepted for something, just ask them what their default super thing. fund is. Give us a quick buzz to let us know. I can go through their PDFs and figure out what they're gonna give you Yep. likely. And Yep. that way, I can go to kinda see, is it gonna be more than rest? Is it gonna be in a similar amount so you can kind of have both running and give you some further advice there? So if you're okay to kind of touch base when you know what fund it's gonna be, just let us know, and I can kind of break down the details Yeah. No worries. for you. Cool. Yeah. So the last email I had was from at June 24. So yeah. So I I guess it's good. It it's good because it it it said so rest just said we recently heard from Taco that you're no longer employed there. So Yes. so that's good. So that must mean that I must have been contributing regularly into rest before. So I hope Yeah. that's still the case. But, yeah, but, unfortunately, when you're job hunting, I've got a thousand emails when I search for the word super, a thousand emails because they all are offering overtime plus super plus whatever. So yeah. So I'm gonna Yeah. gonna struggle to find anything else from from risk, unfortunately, so in my inbox. Oh, here's something from.","start_word":1202,"end_word":1748,"sentiment":"neutral","sentiment_score":0.018960653564175915},{"text":"Good news.","start_word":1749,"end_word":1750,"sentiment":"positive","sentiment_score":0.4619345068931579},{"text":"You're still covered. Yeah. So this was a little little bit surprising. So this email came on the thirtieth, Yep. and it said, yeah, you let us know on June 19 that you wanted to keep your rest insurance covered with. Yeah. So it looks like it looks like what they were just sending me just a reminder that I'm still covered? Okay. Cool. So So yeah. Alright.","start_word":1751,"end_word":1818,"sentiment":"neutral","sentiment_score":0.0982118397951126},{"text":"that's Cool. Yeah. perfect So that's because yeah. your contributions were going to rest and, like, nothing's going to the hub, which is great, which means it's all been going in there. That's all been opted into, so you don't have to worry about it just clicking off in the background while you're job hunting.","start_word":1819,"end_word":1873,"sentiment":"positive","sentiment_score":0.5143203735351562},{"text":"That will Yep. be there pretty I wouldn't say indefinitely because, let's say, ten years down the road, they'll probably have expired some sort of opt in or something, but you're at least sweet for the next year and a half, if not longer. Yep. Yeah. Okay. Yeah.","start_word":1874,"end_word":1921,"sentiment":"neutral","sentiment_score":0.11437521874904633},{"text":"Sounds good.","start_word":1922,"end_word":1923,"sentiment":"positive","sentiment_score":0.3719123601913452},{"text":"Cool. Yeah. So Cool. when I look at that, they had $400 of life insurance, only a $120 of TPD, and a little bit of income protection. Now when you get back into employment, that income protection can still kind of cover you as well. So I would need to see how much TPD cover the next fund's gonna give you because a 100 grand's Sure. a bit low. Some funds offer equal amounts, which is a lot better, and then also just comparing the income protection so you're not doubling up on policies. Yep. Yep. Okay. Okay. Yeah. Sounds good. Yeah. Cool. No worries. Yeah. Do you know the balance of of the rest of the rest account at the moment, or you you don't have that info yourself? Let me have a quick look. I don't have the the email in front of me, but I do have where it was sitting plus your contributions. So if I have a little look see, let's say you did the 10,000 there and those contributions going in from February twelve months, it would probably be sitting around about the 20 mark from what I would see. Yeah. Right. But yeah. And then it should be yeah. What's what's the process then that you guys are doing to transfer the the excess amount into into Hub 24? So when we go through the super now, what I'll basically do is I can put together just a little bit of an updated plan to say, okay. We'll move across this much and possibly update some of the investments inside the hub. And then if you're Yep. comfortable with both of those things, we can basically do rollovers and investments, which is all in the background for you. Yep. Okay. So I'll kind of leave you to the job hunting for a little bit while I put together that research and comparison because there was a couple of Sure things thing. I was looking at in the hub as well, and I wanna just combine Yep. both into one Yep. Okay.","start_word":1924,"end_word":2271,"sentiment":"neutral","sentiment_score":0.06415097445420835},{"text":"Yeah. Sounds document good. for you.","start_word":2272,"end_word":2277,"sentiment":"positive","sentiment_score":0.550115704536438},{"text":"K. Now I'll double check with Michelle straight after this call just to see if we do have a third party authority to call rest to do a further breakdown. If not, we Yep. will see what emails have come through. If I need to get one more forwarded through, I'll get her to give Sure thing. you a buzz straight away. Cool. When it comes to to the other circumstances just briefly, so I'm just double checking if anything else has changed. You're still married with the one son? Yep. Correct. Yep.","start_word":2278,"end_word":2370,"sentiment":"neutral","sentiment_score":0.04191488027572632},{"text":"Perfect.","start_word":2371,"end_word":2371,"sentiment":"positive","sentiment_score":0.3794322609901428},{"text":"Assets and liabilities wise, we've got the the car, personal loan, and credit card were the main three and a little bit of savings. Yeah. So so I believe we've now paid off the car, so we don't Yep. have a personal loan anymore. I I don't have any debt in my name now, apparently, so that's that's that's a first in my life.","start_word":2372,"end_word":2435,"sentiment":"neutral","sentiment_score":-0.013163061230443418},{"text":"Amazing. So it's alright. That's some silver Yeah.","start_word":2436,"end_word":2443,"sentiment":"positive","sentiment_score":0.43043091893196106},{"text":"linings We for you there, Aaron. yeah. Yeah. So then we we still got my my my wife still got a card in her name, Aaron. Yep. which is, I think, about $10.10 grand or whatever. But, yeah, our our big thing is we we we signed the what is it? The exchange contract for this unit to be built. So that was that was over a couple of years ago. Yeah. And and, yeah, and then in the next couple of months so, yeah, we've we've already got a mortgage broker. It was it it came along with the yeah. You know? So the real estate agent, the solicitor, the mortgage broker, they're all together, which I don't know if that's a good thing or a bad thing. Yeah. But yeah. So but but yeah. So in the next couple of months, we'll be getting going for the preapproval for our mortgage, and our mortgage will end up being about 580,000 or something. Cool. So, hopefully, what will basically line up for you guys, which I'm I'm hoping will be the case, is you get into those next roles. You've got some contracts. You give them to the brokers and banks. They get approval for all the mortgage and everything, and then you're hopefully in that new in that new unit sooner rather than later, and it's not delayed another Yep. couple of years. So Yes. the next few months will be pretty big for you guys for sure. Yeah. That's right. Yeah. And then we have we have the danger of if we don't get approved for a loan. I think our contract says that they can so, yeah, we we we lose the holding deposit that we've got there so that I don't know what what Sorry. Not holding. But what whatever money we've got in in in the trust fund, which is the 5% of the loan. So Yep. it's 5% of about, like, $6.60 or something or whatever. So it's about about $35.30 Thirty three. 5 to $40. Thirty 5. Yeah. Yeah. Something something along those lines. Yep. So we've got that. So, yeah, we'd lose that, but then I believe the contract says that they can then come after us for the remaining 5%. But, hopefully, they wouldn't do it because they can sell the unit for a lot more now. Yeah. And and also and also, I think we can claim some sort of financial hardship or something along those lines.","start_word":2444,"end_word":2861,"sentiment":"neutral","sentiment_score":0.020329598132431792},{"text":"So we might we might be able to avoid that, but my wife is absolutely horrified at the idea of losing the unit.","start_word":2862,"end_word":2884,"sentiment":"negative","sentiment_score":-0.4999107718467712},{"text":"Yeah. So I'm less Look. horrified All in because all it means that we can move somewhere else. So we Yeah. can leave Sydney. And Moving areas is is possibly a silver lining as well. But like you just said, there's always a plan a, b, and c in terms Yeah. of whether they can sell the unit or hardship or anything like that. So if it gets to that point where you need access to super funds to help keep that going, please just give us a call, and we'll help you through the process, especially if you Something. get letters of you know, letters from creditors saying we're we're coming after assets and funds and things like that. Just get on to Yep. us straight away, and we can take you through that process if that's gonna be the best for you Yep.","start_word":2885,"end_word":3029,"sentiment":"neutral","sentiment_score":0.05735930800437927},{"text":"Sounds good.","start_word":3030,"end_word":3031,"sentiment":"positive","sentiment_score":0.5767614245414734},{"text":"k. So I'm No gonna worries. put a flag on the file just so in case you do call in, everyone's kind of aware that there may be a future compassionate ground or hardship release pending. Yep. That way, everyone knows. Yep. And look, to be honest, I'm not gonna try and predict the future, but these things have a funny way of kind of working out where it's like you're at your your rock bottom and all of a sudden things start lining up and you get that next job, you get the approval, and then you look back and go, wow. Wasn't that a fun period to go through? But then you're off Yeah. to the other side. So just remember it is temporary, and a Thank year you. from now, things will be a lot different.","start_word":3032,"end_word":3170,"sentiment":"neutral","sentiment_score":0.023295564335777605},{"text":"Awesome. Yeah. Thank you. Awesome.","start_word":3171,"end_word":3175,"sentiment":"positive","sentiment_score":0.4878939688205719},{"text":"Mate, I'm not gonna change anything else now. The only thing I'm gonna basically do is, again, just just look at that rest fund. And just with the super, I'm gonna send you through an annual review pack just so you can have Yep. a little look, see about how everything's going. Basically, it's it's growing pretty well without the contributions coming in. Like, the the market's kind of dipped with the fuel crisis and the war and everything, and it bounced back from a $103 up to a 114 plus what you've been accumulating and growing in rest along side it as well. Yeah.","start_word":3176,"end_word":3280,"sentiment":"neutral","sentiment_score":0.06845959275960922},{"text":"Sounds good.","start_word":3281,"end_word":3282,"sentiment":"positive","sentiment_score":0.4452494978904724},{"text":"Now it was a very good move that Dana kind of moved you from that Netwealth platform and portfolio because the portfolio you were in, that was like a growth one, four out of five on the risk scale. And you've been moved into a high growth one, which is higher risk but higher long term returns. But I've just done a bit of quick comparison between the two. And if you'd remained in the previous one, you actually would have been in the negative this year, but you're actually Yeah. up Right. about seven and a half percent after fees in growth.","start_word":3283,"end_word":3385,"sentiment":"neutral","sentiment_score":0.12489520013332368},{"text":"So Cool. the quality was just there in what she recommended. Awesome. That's good to hear.","start_word":3386,"end_word":3401,"sentiment":"positive","sentiment_score":0.6046676635742188},{"text":"While you are Yeah. in the situation that you're in, I do wanna make one further change while I'm doing the rest, which Sure. is one of the Australian share funds have kind of been dragging its feet and going into the negative, but all your other investment options have been kind of kicking out the lights. What I normally do in these situations is I usually switch some of these funds if they're not doing too well into a lower fee passive option where I can just lower the investment fees, keep the returns really strong, and just kind of do an engine Yep. Yep. So I think Michelle mentioned Ben along or something. Is that is that the tune one up that is if not that performing? makes Or sense. Yeah. That's the one. So all the other, Yep. like, gold and American shares and property and everything is kind of double digits, which is good. And then Better Long's kind of just been dropping down a little bit further than the other Australian shares options. So Yep. I think with the high fees that it attracts, you're probably better off going to something a little bit lower fees, but still that double digit returns. Yeah.","start_word":3402,"end_word":3609,"sentiment":"neutral","sentiment_score":0.030265813084462516},{"text":"Sounds good. As long as you're still comfortable, obviously, with that high growth approach, you know, you're trying to build you that million dollars and get as much returns as possible.","start_word":3610,"end_word":3640,"sentiment":"positive","sentiment_score":0.47425034642219543},{"text":"It's gonna go up and down like a bit of a yo yo, up and down 10, Yep. $2,030,000 dollars a year. But our idea, of course, is that when you get closer to that age 60 to access your super, we can reduce the risk down once you've actually built the nest egg. Yep.","start_word":3641,"end_word":3695,"sentiment":"neutral","sentiment_score":0.2892985939979553},{"text":"Sounds good.","start_word":3696,"end_word":3697,"sentiment":"positive","sentiment_score":0.47083601355552673},{"text":"Egg.","start_word":3698,"end_word":3698,"sentiment":"neutral","sentiment_score":0.3129997253417969},{"text":"Sounds good?","start_word":3699,"end_word":3700,"sentiment":"positive","sentiment_score":0.3851242065429687},{"text":"K. So I'll Yep. put that together. What I will do as well, I'm gonna send out that annual review pack and, like, service agreement and so on. Just make sure that's all still active so we can actually have access to the accounts and move things around. I'm Yep. just gonna double check as well ID because that's a funny one that kind of clicks off sometimes. So just bear with me for a I quick just second. yeah. Michelle asked me to send through my updated driver's license because it Amazing. had just expired. So yep. So I've sent that through a few days ago.","start_word":3701,"end_word":3807,"sentiment":"neutral","sentiment_score":0.11788755033826716},{"text":"Perfect. Alright. 20Third. Amazing. So that'll be what we can certify to get all of that information and get the movements going.","start_word":3808,"end_word":3829,"sentiment":"positive","sentiment_score":0.5161095857620239},{"text":"So, basically, from here, Aaron, is I will basically put this plan together over the next week or so. Michelle will just get you booked back in for a quick fifteen minute chat with me just to run through the figures and the document, make sure you're comfortable with the changes, and then we can clean that up in the background for you. Yep.","start_word":3830,"end_word":3893,"sentiment":"neutral","sentiment_score":0.2972247004508972},{"text":"Sounds good.","start_word":3894,"end_word":3895,"sentiment":"positive","sentiment_score":0.48377546668052673},{"text":"Last thing I wanted to do just as a bit of housekeeping, I think Michelle may have mentioned, but just in terms of beneficiaries to make sure all the super, all the life insurance is going where they need to go, I'm assuming you still want it all to go to your partner. Was that kind of your intention all the way along for all super funds? Yeah. So that's that's definitely the case for all super funds. I don't know if it's worth like, is there a is there something there that happens if something happened to both of us? Is there a a provision for who's a backup or in case something happens to her or or I mean, it'll just probably go to our son anyway, but he's four. So, Yeah. yeah, don't know So what the happens way there. that usually works is let's say let's say that the double negative happens. All the super fund goes between what's in place, which is, you know, beneficiaries to go between each other and so on. I need you to send out the hub form for that. But, basically, it will then flow through to your next of kin, which would be your son, and whoever is his guardian would essentially control the funds on his behalf until he's Yeah. Yeah. And so we need to I I don't think we've we've put anything in writing about who his guardian is. So we need to probably who his guardian could be. So I think we need to probably work on that. 18. At some point, that's not something you'd probably help with. That's something we just have to go get a what a wheel from the post office or something. Is that the the Yeah. thought there? So the most Yeah. easiest ones is obviously lawyers. You've got the Yep. courthouse and the public trustee for the state, and then you've got the old post office will kits. They're about $25. And then you've got a post office and solicitor bound power of attorney. So power of attorney is medical and financial decisions if you can't act like you're in the hospital unconscious, whereas the Yep. will is if you pass away. So my recommendation always is to just get both in place because, you know, $25 each. And that way, Yeah. if you're in a coma, everything's looked after, especially, let's say, you get the job and the mortgage, someone can access the bank account, talk to the doctors, and then the will for your assets, your son, all that kind of thing. Yep. Okay.","start_word":3896,"end_word":4333,"sentiment":"neutral","sentiment_score":0.009927682691789551},{"text":"Sounds good. Yep. Cool. Good idea.","start_word":4334,"end_word":4339,"sentiment":"positive","sentiment_score":0.48244208097457886},{"text":"So we'll send that out. Do you want me to email through the beneficiary form to print out or just post it there so you've got a hard copy with a return envelope? Emailing, I think, is fine. Yep. Yep. Okay. And, again, just with that, it needs to be because it's a legal document, you've gotta do a wet signature with a pen and just get it witnessed by two people who aren't your beneficiary. Okay. Alright. And that's the same process, obviously, with the with it being mailed through as well. Yeah? Yeah. Correct. Yep.","start_word":4340,"end_word":4436,"sentiment":"neutral","sentiment_score":0.12576222074093277},{"text":"Sounds Cool.","start_word":4437,"end_word":4438,"sentiment":"positive","sentiment_score":0.5045647621154785},{"text":"Do you have any preference, like, you can set the beneficiary to expire every three years or just be continuous until you change it? Some people like being forced to look at it. Some people just want it set and forget.","start_word":4439,"end_word":4479,"sentiment":"neutral","sentiment_score":0.06355045735836029},{"text":"good.","start_word":4480,"end_word":4480,"sentiment":"positive","sentiment_score":0.4386288523674011},{"text":"I think continuous is fine. Yep. Yep. And a bit of a weird question, but you can actually choose for it to be legally binding, so the super fund and insurer has to do it, or nonbinding, which gives the trustee discretion on where things go. Yeah. Interesting. Yeah. That is a weird question. Yeah. I'd I'd say it has to be lit yeah. I'd say legally binding. Yeah. I can't see why not. Yeah. That's I must the most have multiple common one kids is just or something. non Yeah. lapsing binding. Just means it's very specific and everything's kind of locked in. Again, when you get blended families and things like that, it's just kind of like, hey. Super fun look. Here's what I'm thinking. You figure it out, Yeah. then off you go. Yeah. Cool. Alright. So we'll keep it a bit of a holding pattern on the super funds. I'm gonna make sure that I leave a sufficient buffer in the rest funds just to make sure that if this continues on for a long period Yep. of time, again, there's little risk of lapsing due to, you know, stock market crashes or something like that. And then in that document that I put together, I'll kind of update some projections and figures just so you know how much is gonna go Yep. where. Yep.","start_word":4481,"end_word":4709,"sentiment":"neutral","sentiment_score":0.06788624078035355},{"text":"Sounds good. Cool.","start_word":4710,"end_word":4712,"sentiment":"positive","sentiment_score":0.3619866371154785},{"text":"Cool. Alright. Any questions so far on what we've talked about? No. No. No further questions. Cool. So what you'll get today is basically the annual review pack service agreement. Now we're gonna be moving on to a tiered fee structure next year. So at the moment, the usual was the 1.65% for the super, but we're gonna tier it so that anyone above 200,000 starts to get fee discounts. So in your next annual review, you'll start to approach those figures, and we'll start applying Okay. that new tier structure next year as well. Yep. Okay. Understood. Cool. Did you end up getting your password reset email from Hub? We did a bit of a trigger to get that off to you. I don't know if that came through okay. Yeah. Yeah. Yeah. And I think I'd I I I reset it already. Yep.","start_word":4713,"end_word":4857,"sentiment":"neutral","sentiment_score":0.07320214032099165},{"text":"Amazing. Okay. Cool. So that's all sorted.","start_word":4858,"end_word":4864,"sentiment":"positive","sentiment_score":0.3764676749706268},{"text":"It's just basically the beneficiaries, and I can see Michelle coming back from a bit of morning tea. So I'll check with her on the rest details as well.","start_word":4865,"end_word":4893,"sentiment":"neutral","sentiment_score":0.24263553321361545},{"text":"Awesome. Sounds good. Awesome.","start_word":4894,"end_word":4897,"sentiment":"positive","sentiment_score":0.5263321995735168},{"text":"Aramae, any last questions for me before I let you go, sir? No. Nothing further. Cool. Alright. Last thing for me, goals wise that I'm gonna include in that document is basically just stabilizing the cash flow, getting into the property, possibly maybe go on your holiday and cruise one day when everything settles down a little bit, and then just growing the super and reviewing the insurances at the earliest point that we can. Yep. Yep. Sounds good. Yep. That's all. Short, medium term. I'm I still have I don't know if if it's if it's ever been documented there, but I I you know, I've I've been looking into how to you know, I give given my wife's Filipino, how to potentially retire by moving to The Philippines at 50 is my Yep. is my thought there. So that's that's that is a goal I'm I'm having to work towards. A bit hard to work towards that when you don't have a job at the moment. But, yeah, that's that's still in the in the top of my mind is to is is to, yeah, to to retire early by moving to where it's much cheaper to live.","start_word":4898,"end_word":5097,"sentiment":"neutral","sentiment_score":0.1023022037744522},{"text":"Amazing. And we do Okay.","start_word":5098,"end_word":5102,"sentiment":"positive","sentiment_score":0.46561652421951294},{"text":"have a few clients that have been doing that as well. And expatriate advice is kind of fun for us, probably not right and important for you right now. But once you go to another country and you've got funds being managed in Australia or you bring funds across and exchange rates and assets and home purchases and so on, there's heaps of different things to consider and do. So I'll make sure that's kind of the the Northern Star target at the end of it.","start_word":5103,"end_word":5188,"sentiment":"neutral","sentiment_score":0.19167529046535492},{"text":"Yeah. Awesome. Sounds good. Awesome, Aaron. Look. I really appreciate you taking the time. I know you've got a lot of things to deal with, so thank you for carving out that time with me this morning.","start_word":5189,"end_word":5225,"sentiment":"positive","sentiment_score":0.6078110933303833},{"text":"No And worries.","start_word":5226,"end_word":5228,"sentiment":"neutral","sentiment_score":0.21832457184791565},{"text":"we will be in touch over the fortnight for any other details we need, and then I'll get all the super rolling again in that next document. Sounds good. Thank you very much. Thanks, mate. Have a great day. Thank you. You too.","start_word":5229,"end_word":5271,"sentiment":"positive","sentiment_score":0.5620896816253662},{"text":"Bye. Bye.","start_word":5272,"end_word":5273,"sentiment":"neutral","sentiment_score":0.2645129859447479}],"average":{"sentiment":"neutral","sentiment_score":0.06287552023753813}}}}