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Yanni, I had you booked in for a bit of initial consultation this morning. I believe your partner, Sarah, has referred you through for some advice, and you were looking to maybe speak with an adviser. Is that right? Yeah. Yeah. Absolutely. So just to sort of get a gauge on, you know, where things are for you at the moment, you've never spoken to an adviser or sort of financial advice before? No. That's okay. So how we sort of go about doing things is we look at an in-depth scenario of what your goals are. So we look at what your long, medium term, short term goals are. We also look at your full financial circumstances, and then we formulate advice or financial plans to help you meet those goals and track towards meeting them. And those plans are fluid. They alter and change as your goals change, as your life changes, and we keep updating that advice and keep reviewing the advice for you. So it's essentially looking at what you're trying to achieve and how we obtain getting to that point, and we provide that financial advice and guidance towards meeting those goals for you. I know you had a conversation with my colleague, Maddie, a few weeks back, and you mentioned that one of the things you were sort of looking for was about maybe reducing some taxation. Can I just get a bit of an understanding of your circumstances at the moment? I believe you claimed TPD. Is that right? Okay. Yeah. Okay. No worries at all. Can I ask, you're you mentioned that you're on work cover at the moment? What was the incident occurred? How what sorta happened? Yeah. Yeah. Yeah. Oh, I'm so sorry to hear that. And just to confirm, how old are you? Oh, well, so young to have back trouble. I'm so sorry that you've gone through that. Oh, is it so young to have back problems? Yeah. Look. I understand that. Understandable. So, Yanni, just to sort of gauge, you mentioned that you're on work cover at the moment. Are you still receiving those work cover payments on a regular basis? Okay. And how much are you getting on a weekly or fortnightly basis from work cover? Okay. Per fortnight or week? Per week. Lovely. And do you know are they also putting any contributions into your sleep at the moment? They have. Yep. Okay. Yep. No. That's okay. Fantastic. Good to know. And you made mention that you had claimed TPD. Did you claim that through your super, and did you happen to withdraw any of that money, or what was the process that you went through with that? Yep. Yep. Okay. So it was withdrawn out. Yeah. Okay. Okay. Oh, what's the first one was that? Okay. Interesting. And was it that was that an employer's super or something or just a union's super? Yeah. Okay. Yeah. Absolutely. Understandable. And so with your super at the moment, do you know roughly what the balance might be, what you have in there? Yeah. That's okay if you're not sure. That's okay. You're absolutely you're absolutely fine. Love technology when it wants to work. Hey. Yeah. You're right. Oh, yeah. Is it like a two factor authentication that you've gotta do? Yeah. Wow. Okay. 19,000. And just while you have it open there as well, the regular contributions, you should see the contributions going in. What are they looking like each fortnight or each week from your workers' compensation work cover? Yep. Okay. Inconsistent. No. That's okay. And you said those contributions have started going in sort of for the last year roughly? Yep. That's okay. Beautiful. And so with your work side of things, so you mentioned that you are looking to get more work and have been sort of trying to get interviews and things like that. Is WorkCover sort of helping you to look at getting a new role, or are they sort of liaising that with you to help you try and find work? Yep. Yeah. Absolutely. Absolutely. And have they had any interviews, or how is that kinda going? Oh, fantastic. Yeah. Lovely. Well, I'll cross everything for you. I think that's fantastic. All good. The sort of looking at where we are at the moment, I there's definitely things that we can look at doing to help you advice wise. It's more just for looking at your super and your long term goals at the moment. I'd sort of wanna make sure you get your super up a little bit and possibly look at, you know, whether you're able to obtain a role, maybe starting some work to make sure that our services and the fees we charge for our services are gonna be relevant for you. For now, just continuing to make that the contributions would weigh. What I'd sort of suggest we do is if I maybe get one of the girls to touch base in maybe another sort of four weeks to see how things are going for you, Because as advisers, we do as financial advisers and look at your long term goals, it looks like there's some possibly some big changes in your life coming up with you starting a new role, getting the income back, depending on what happens with work cover as well. Have work cover mentioned anything about a large payout or them stopping the work cover in the next few months or the next couple of years at all? Has that ever been discussed? Okay. Yep. Okay. Yeah. Beautiful. So what I'd probably be thinking you're right. Because you are looking for work and trying to sort of get back into the workforce there, there are some very big changes coming in your life. So we wanna sort of see your super balance increase a little bit to be able to look at ways to improve and help that along to meet your long term goals. But then also looking at your changes in your work circumstances, income coming in, and what that looks like for you moving forward as well. So I probably wouldn't be able to provide any advice now, but I would love to stay in contact with you over the next sort of couple of months to see where things change and kinda gauge when we can provide financial advice and help you along. Does that sound okay? Yes? Yes. So because you have been having been totally permanently disabled and claimed that there is less there realistically, insurers aren't gonna offer TBD or income protection. There might be an option where you can get default cover through, like, an industry fund like Australian Super or such because those sorts of funds don't don't ask or go through any prequalifying questions when you start the application. The only sort of thing I would be very careful about and if you like, I can obtain some information on whether any of these funds would offer cover or what that might look like. I'm happy to do a bit of general advice, a general research for you to see if anything can be attained from one of the industry funds. But, realistically, retail funds went off a TPD or disability cover like income protection because you've already been through a claim. The likelihood of you claiming again is definitely higher. And in their eyes, TPD basically means that you're never able to go back to work again. You've been totally, permanently disabled. They sort of see that as, realistically, they're not gonna offer cover again. But I'm happy to go back and have a look at some of the industry funds, have a look at what their rules are if you like, and see if any of those would offer cover Because they don't offer they don't ask any prequalifying questions at the time of the application, it's very much easier to get those sorts of covers. However, the thing I'd be very careful about is when you do go to claim on those sorts of insurances, they ask you prequalifying questions and a lot of information about the claims at the time of claim. So there's a risk there that you may have that TBD or income protection within that industry fund, and then you get to the time of claim, and they go, hey. You've already claimed. We're actually not. You weren't eligible to have this cover, and we're not gonna pay that cover. So I'd be very wary of the risk around that. But if you like, I can get one of my team to do a little bit of research for you, find out if any of the industry funds would be willing to offer income protection or TBD and what that what they might ask or what the, you know, the risk is at time of claim. Would you like me to follow-up on that for you for the time being? Yeah. That's okay. Beautiful. And can I grab I've got your your phone number here? I just need to sorry. I'm just double checking your email address. Can I grab that off you, Yanny? S h. Yep. Yep. Beautiful. Lovely. Well, what I'll do is I'll start there, and I'll find some information out for you. Just give you some general information around those insurances, and then we can kinda go from there. Long term wise, I know you are wanting to kinda get back into work and, you know, you know, get back working and there's some income and everything moving forward. When you kinda do get old enough to retire, what age are you realistically wanting to maybe eventually stop work and retire? What's your goal age for that sort of thing? Yeah. Yeah. Yep. Perfect. 60 mark. Excellent. I know looking for work and trying to get back into the workforce is one of your sort of medium term goals there. Do you have any other goals that you're hoping to achieve in the next sort of one to two or even five years, or is it more just getting back into work and looking after yourself? What's your sort of goal situation there? Yep. Beautiful. Getting back into work. Beautiful. Excellent. So if it's okay, what I'd probably like to do for the moment is just do that research for you, have a look at what your options are with regard to the insurance side of things. In your Australian Super account at the moment, do you have any insurances like T for the income protection, anything like that? No. No. That's okay. Not a problem at all. Beautiful. And then if it's okay, I'd love the girls to sort of touch base again when we can sort of see your super balance increasing a little bit to make it sort of worth looking at other super funds and other options for you. And, also, when you are able to get back to work or when you sort of know what's happening over the course of the next few months there with changes in your circumstances, then I'd love to sort of have another conversation and and really sort of nut down what changes are and, you know, whether any financial advice could help you. Would that be okay? Are you comfortable with that? Or yeah? Beautiful. I think one of the important things with financial advice is it's important to kinda do it at a certain pace so that it is there to help you. If I was to jump in and do a really big plan now and sort of charge you a fee, I don't see it putting you in a better position, I think, because as advisers, we do charge a fee for our advice for monitoring, looking after everything. And then the advice has to be in your best interest. So I think for now, being in best interest for you is just to give you the information that you're after and then sort of keep monitoring your circumstances. And then when things change and allow you know, what things do change and then you get a job and you're back in the workforce and, you know, you're kinda settled in what you're doing, then we could reassess those goals. But I do see financial advice assisting you and being able to support you moving forward. Does that sound okay? Do you have any questions, concerns, or anything that you wanted to ask me at the moment? Or that's okay. Do you have any concerns or questions about how the process works, how what financial advisers do, or anything there? Is there anything that's that we've talked about that you wanted to kind of have broken down a bit further? Or yeah. That's that's okay. That's okay. I'm a big believer in making sure that things aren't done too quickly, that things are done correctly. And as I kinda made mention, we work under the corporations. That's so we have to provide advice on in best interest. And the sorry. Best interest of you is more important than anything else I do. So I have to make sure that your best interest is for first and for front there. So as I mentioned, I do definitely feel like financial advice could provide some great benefit for you down the track. I just think it's, at the moment, with everything you do have going on, just sort of, you know, continuing to look for work and work out over the next few months what's happening to yourself and your personal circumstances. Keep those contributions going in from work cover there, and we'll reassess your super your super balance and your long term goals when you're able to jump back into the workforce there and you are a bit settled. Does that sound alright? Yeah. Beautiful. In the meantime, Yanni, I will do a bit of research there for you on the industry funds, have a look at what insurances they may be willing to offer after a TBD claim. Just knowing that it is due to the back. We do kind of blind pre assessment. They won't know anything about who you are, what you do, or any personal information. It's all just general. And I'll come back, and I'll be able to send you a bit of an email if you like with a bit of a breakdown. And then we'll make sure we keep in contact with you over the next few months to sort of see when we're able to provide some advice and help you along. Okay? Easy. In the meantime, I'm also gonna send out a copy of our financial services guide for you. It does outline everything about who advisers are, who OPU are, what we do, the services that we can provide, all of our licensing information as well. So I'm a full licensed adviser, and I'm registered with ASIC, and my license number is 1304394. And you can definitely look me up on the website as well if you did wanna do that. Does that sound all good? Beautiful. Look. I've had a pleasure getting to know you. I'm looking forward to working with you down the track there. We'll jump more into what the fees look like around the services and things like that down the track when we're actually able to help provide advice for now. I'll just do some research that is full complimentary for you. No charges on any of that. It's just me wanting to help you out and get as much information as I can to start you along. And you'll get that email from me, so you'll also have my direct contact. And if you wanna stay in contact with me or have any questions, you're welcome to email me at any time or give me a call. Okay? That's okay. All good. Well, look. Thank you so much for your time, Yanni. I really appreciate it. I'll let Maddie know about our, call this morning, and I'll make sure she touches base probably in about a month or two to sort of see how things are traveling work wise for you. Does that sound alright? Easy. I hope you have a great day. Do you have any plans this day, or you're just chilling? Yeah. Does acupuncture make you feel a lot better afterwards? Do you find you're a bit stiff or sore? Or Yeah. Okay. All good. Well, I hope you feel good after that. Hopefully, you enjoy your acupuncture, and I hope you have a good restful day. I'll get stuck into that research there for you, and I'll make sure the team touch base in about a month to see how things are going. Okay? Thank you for your time. It's been a pleasure. I'll talk to you soon. Thanks, Johnny. See you later. 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Yanni. This is Dana from OC Financial. How are you this morning? It's Dana from OC Financial. How are you this morning?\n\nI'm very well. Thank you. Yanni, I had you booked in for a bit of initial consultation this morning. I believe your partner, Sarah, has referred you through for some advice, and you were looking to maybe speak with an adviser. Is that right?\n\nYeah. Yeah. Absolutely. So just to sort of get a gauge on, you know, where things are for you at the moment, you've never spoken to an adviser or sort of financial advice before? No.\n\nThat's okay. So how we sort of go about doing things is we look at an in-depth scenario of what your goals are. So we look at what your long, medium term, short term goals are. We also look at your full financial circumstances, and then we formulate advice or financial plans to help you meet those goals and track towards meeting them. And those plans are fluid.\n\nThey alter and change as your goals change, as your life changes, and we keep updating that advice and keep reviewing the advice for you. So it's essentially looking at what you're trying to achieve and how we obtain getting to that point, and we provide that financial advice and guidance towards meeting those goals for you. I know you had a conversation with my colleague, Maddie, a few weeks back, and you mentioned that one of the things you were sort of looking for was about maybe reducing some taxation. Can I just get a bit of an understanding of your circumstances at the moment? I believe you claimed TPD.\n\nIs that right? Okay. Yeah. Okay. No worries at all.\n\nCan I ask, you're you mentioned that you're on work cover at the moment? What was the incident occurred? How what sorta happened? Yeah. Yeah.\n\nYeah. Oh, I'm so sorry to hear that. And just to confirm, how old are you? Oh, well, so young to have back trouble. I'm so sorry that you've gone through that.\n\nOh, is it so young to have back problems? Yeah. Look. I understand that. Understandable.\n\nSo, Yanni, just to sort of gauge, you mentioned that you're on work cover at the moment. Are you still receiving those work cover payments on a regular basis? Okay. And how much are you getting on a weekly or fortnightly basis from work cover? Okay.\n\nPer fortnight or week? Per week. Lovely. And do you know are they also putting any contributions into your sleep at the moment? They have.\n\nYep. Okay. Yep. No. That's okay.\n\nFantastic. Good to know. And you made mention that you had claimed TPD. Did you claim that through your super, and did you happen to withdraw any of that money, or what was the process that you went through with that? Yep.\n\nYep. Okay. So it was withdrawn out. Yeah. Okay.\n\nOkay. Oh, what's the first one was that? Okay. Interesting. And was it that was that an employer's super or something or just a union's super?\n\nYeah. Okay. Yeah. Absolutely. Understandable.\n\nAnd so with your super at the moment, do you know roughly what the balance might be, what you have in there? Yeah. That's okay if you're not sure. That's okay. You're absolutely you're absolutely fine.\n\nLove technology when it wants to work. Hey. Yeah. You're right. Oh, yeah.\n\nIs it like a two factor authentication that you've gotta do? Yeah. Wow. Okay. 19,000.\n\nAnd just while you have it open there as well, the regular contributions, you should see the contributions going in. What are they looking like each fortnight or each week from your workers' compensation work cover? Yep. Okay. Inconsistent.\n\nNo. That's okay. And you said those contributions have started going in sort of for the last year roughly? Yep. That's okay.\n\nBeautiful. And so with your work side of things, so you mentioned that you are looking to get more work and have been sort of trying to get interviews and things like that. Is WorkCover sort of helping you to look at getting a new role, or are they sort of liaising that with you to help you try and find work? Yep. Yeah.\n\nAbsolutely. Absolutely. And have they had any interviews, or how is that kinda going? Oh, fantastic. Yeah.\n\nLovely. Well, I'll cross everything for you. I think that's fantastic. All good. The sort of looking at where we are at the moment, I there's definitely things that we can look at doing to help you advice wise.\n\nIt's more just for looking at your super and your long term goals at the moment. I'd sort of wanna make sure you get your super up a little bit and possibly look at, you know, whether you're able to obtain a role, maybe starting some work to make sure that our services and the fees we charge for our services are gonna be relevant for you. For now, just continuing to make that the contributions would weigh. What I'd sort of suggest we do is if I maybe get one of the girls to touch base in maybe another sort of four weeks to see how things are going for you, Because as advisers, we do as financial advisers and look at your long term goals, it looks like there's some possibly some big changes in your life coming up with you starting a new role, getting the income back, depending on what happens with work cover as well. Have work cover mentioned anything about a large payout or them stopping the work cover in the next few months or the next couple of years at all?\n\nHas that ever been discussed? Okay. Yep. Okay. Yeah.\n\nBeautiful. So what I'd probably be thinking you're right. Because you are looking for work and trying to sort of get back into the workforce there, there are some very big changes coming in your life. So we wanna sort of see your super balance increase a little bit to be able to look at ways to improve and help that along to meet your long term goals. But then also looking at your changes in your work circumstances, income coming in, and what that looks like for you moving forward as well.\n\nSo I probably wouldn't be able to provide any advice now, but I would love to stay in contact with you over the next sort of couple of months to see where things change and kinda gauge when we can provide financial advice and help you along. Does that sound okay? Yes? Yes. So because you have been having been totally permanently disabled and claimed that there is less there realistically, insurers aren't gonna offer TBD or income protection.\n\nThere might be an option where you can get default cover through, like, an industry fund like Australian Super or such because those sorts of funds don't don't ask or go through any prequalifying questions when you start the application. The only sort of thing I would be very careful about and if you like, I can obtain some information on whether any of these funds would offer cover or what that might look like. I'm happy to do a bit of general advice, a general research for you to see if anything can be attained from one of the industry funds. But, realistically, retail funds went off a TPD or disability cover like income protection because you've already been through a claim. The likelihood of you claiming again is definitely higher.\n\nAnd in their eyes, TPD basically means that you're never able to go back to work again. You've been totally, permanently disabled. They sort of see that as, realistically, they're not gonna offer cover again. But I'm happy to go back and have a look at some of the industry funds, have a look at what their rules are if you like, and see if any of those would offer cover Because they don't offer they don't ask any prequalifying questions at the time of the application, it's very much easier to get those sorts of covers. However, the thing I'd be very careful about is when you do go to claim on those sorts of insurances, they ask you prequalifying questions and a lot of information about the claims at the time of claim.\n\nSo there's a risk there that you may have that TBD or income protection within that industry fund, and then you get to the time of claim, and they go, hey. You've already claimed. We're actually not. You weren't eligible to have this cover, and we're not gonna pay that cover. So I'd be very wary of the risk around that.\n\nBut if you like, I can get one of my team to do a little bit of research for you, find out if any of the industry funds would be willing to offer income protection or TBD and what that what they might ask or what the, you know, the risk is at time of claim. Would you like me to follow-up on that for you for the time being? Yeah. That's okay. Beautiful.\n\nAnd can I grab I've got your your phone number here? I just need to sorry. I'm just double checking your email address. Can I grab that off you, Yanny? S h.\n\nYep. Yep. Beautiful. Lovely. Well, what I'll do is I'll start there, and I'll find some information out for you.\n\nJust give you some general information around those insurances, and then we can kinda go from there. Long term wise, I know you are wanting to kinda get back into work and, you know, you know, get back working and there's some income and everything moving forward. When you kinda do get old enough to retire, what age are you realistically wanting to maybe eventually stop work and retire? What's your goal age for that sort of thing? Yeah.\n\nYeah. Yep. Perfect. 60 mark. Excellent.\n\nI know looking for work and trying to get back into the workforce is one of your sort of medium term goals there. Do you have any other goals that you're hoping to achieve in the next sort of one to two or even five years, or is it more just getting back into work and looking after yourself? What's your sort of goal situation there? Yep. Beautiful.\n\nGetting back into work. Beautiful. Excellent. So if it's okay, what I'd probably like to do for the moment is just do that research for you, have a look at what your options are with regard to the insurance side of things. In your Australian Super account at the moment, do you have any insurances like T for the income protection, anything like that?\n\nNo. No. That's okay. Not a problem at all. Beautiful.\n\nAnd then if it's okay, I'd love the girls to sort of touch base again when we can sort of see your super balance increasing a little bit to make it sort of worth looking at other super funds and other options for you. And, also, when you are able to get back to work or when you sort of know what's happening over the course of the next few months there with changes in your circumstances, then I'd love to sort of have another conversation and and really sort of nut down what changes are and, you know, whether any financial advice could help you. Would that be okay? Are you comfortable with that? Or yeah?\n\nBeautiful. I think one of the important things with financial advice is it's important to kinda do it at a certain pace so that it is there to help you. If I was to jump in and do a really big plan now and sort of charge you a fee, I don't see it putting you in a better position, I think, because as advisers, we do charge a fee for our advice for monitoring, looking after everything. And then the advice has to be in your best interest. So I think for now, being in best interest for you is just to give you the information that you're after and then sort of keep monitoring your circumstances.\n\nAnd then when things change and allow you know, what things do change and then you get a job and you're back in the workforce and, you know, you're kinda settled in what you're doing, then we could reassess those goals. But I do see financial advice assisting you and being able to support you moving forward. Does that sound okay? Do you have any questions, concerns, or anything that you wanted to ask me at the moment? Or that's okay.\n\nDo you have any concerns or questions about how the process works, how what financial advisers do, or anything there? Is there anything that's that we've talked about that you wanted to kind of have broken down a bit further? Or yeah. That's that's okay. That's okay.\n\nI'm a big believer in making sure that things aren't done too quickly, that things are done correctly. And as I kinda made mention, we work under the corporations. That's so we have to provide advice on in best interest. And the sorry. Best interest of you is more important than anything else I do.\n\nSo I have to make sure that your best interest is for first and for front there. So as I mentioned, I do definitely feel like financial advice could provide some great benefit for you down the track. I just think it's, at the moment, with everything you do have going on, just sort of, you know, continuing to look for work and work out over the next few months what's happening to yourself and your personal circumstances. Keep those contributions going in from work cover there, and we'll reassess your super your super balance and your long term goals when you're able to jump back into the workforce there and you are a bit settled. Does that sound alright?\n\nYeah. Beautiful. In the meantime, Yanni, I will do a bit of research there for you on the industry funds, have a look at what insurances they may be willing to offer after a TBD claim. Just knowing that it is due to the back. We do kind of blind pre assessment.\n\nThey won't know anything about who you are, what you do, or any personal information. It's all just general. And I'll come back, and I'll be able to send you a bit of an email if you like with a bit of a breakdown. And then we'll make sure we keep in contact with you over the next few months to sort of see when we're able to provide some advice and help you along. Okay?\n\nEasy. In the meantime, I'm also gonna send out a copy of our financial services guide for you. It does outline everything about who advisers are, who OPU are, what we do, the services that we can provide, all of our licensing information as well. So I'm a full licensed adviser, and I'm registered with ASIC, and my license number is 1304394. And you can definitely look me up on the website as well if you did wanna do that.\n\nDoes that sound all good? Beautiful. Look. I've had a pleasure getting to know you. I'm looking forward to working with you down the track there.\n\nWe'll jump more into what the fees look like around the services and things like that down the track when we're actually able to help provide advice for now. I'll just do some research that is full complimentary for you. No charges on any of that. It's just me wanting to help you out and get as much information as I can to start you along. And you'll get that email from me, so you'll also have my direct contact.\n\nAnd if you wanna stay in contact with me or have any questions, you're welcome to email me at any time or give me a call. Okay? That's okay. All good. Well, look.\n\nThank you so much for your time, Yanni. I really appreciate it. I'll let Maddie know about our, call this morning, and I'll make sure she touches base probably in about a month or two to sort of see how things are traveling work wise for you. Does that sound alright? Easy.\n\nI hope you have a great day. Do you have any plans this day, or you're just chilling? Yeah. Does acupuncture make you feel a lot better afterwards? Do you find you're a bit stiff or sore?\n\nOr Yeah. Okay. All good. Well, I hope you feel good after that. Hopefully, you enjoy your acupuncture, and I hope you have a good restful day.\n\nI'll get stuck into that research there for you, and I'll make sure the team touch base in about a month to see how things are going. Okay? Thank you for your time. It's been a pleasure. I'll talk to you soon.\n\nThanks, Johnny. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Yanni.","start":2.56,"end":3.28,"sentiment":"neutral","sentiment_score":0.11626926809549332},{"text":"This is Dana from OC Financial.","start":3.28,"end":4.9,"sentiment":"neutral","sentiment_score":0.12358918165167172},{"text":"How are you this morning?","start":5.12,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.15415981709957122},{"text":"It's Dana from OC Financial.","start":8.08,"end":9.94,"sentiment":"neutral","sentiment_score":0.12219019383192062},{"text":"How are you this morning?","start":10.16,"end":11.38,"sentiment":"neutral","sentiment_score":0.1441475749015808}],"sentiment":"neutral","sentiment_score":0.13376354588114697,"num_words":23,"start":2.56,"end":11.38},{"sentences":[{"text":"I'm very well.","start":13.615,"end":14.495001,"sentiment":"positive","sentiment_score":0.5833889643351237},{"text":"Thank you.","start":14.495001,"end":15.155001,"sentiment":"positive","sentiment_score":0.6468984484672546},{"text":"Yanni, I had you booked in for a bit of initial consultation this morning.","start":15.455,"end":18.895,"sentiment":"neutral","sentiment_score":0.10431553024266448},{"text":"I believe your partner, Sarah, has referred you through for some advice, and you were looking to maybe speak with an adviser.","start":18.895,"end":24.355,"sentiment":"neutral","sentiment_score":0.020905031737956135},{"text":"Is that right?","start":24.415,"end":25.235,"sentiment":"neutral","sentiment_score":-0.0005129836499691015}],"sentiment":"neutral","sentiment_score":0.11278984001414342,"num_words":44,"start":13.615,"end":25.235},{"sentences":[{"text":"Yeah.","start":28.23,"end":28.73,"sentiment":"neutral","sentiment_score":-0.10677684098482132},{"text":"Yeah.","start":43.125,"end":43.445,"sentiment":"neutral","sentiment_score":0.04350581765174866},{"text":"Absolutely.","start":43.445,"end":43.945,"sentiment":"neutral","sentiment_score":0.05639267712831497},{"text":"So just to sort of get a gauge on, you know, where things are for you at the moment, you've never spoken to an adviser or sort of financial advice before?","start":44.645,"end":52.105003,"sentiment":"neutral","sentiment_score":0.0022847722735135786},{"text":"No.","start":54.14,"end":54.38,"sentiment":"neutral","sentiment_score":-0.10470400005578996}],"sentiment":"neutral","sentiment_score":-0.0011644115937607634,"num_words":35,"start":28.23,"end":54.38},{"sentences":[{"text":"That's okay.","start":54.38,"end":55.2,"sentiment":"neutral","sentiment_score":-0.011756334453821182},{"text":"So how we sort of go about doing things is we look at an in-depth scenario of what your goals are.","start":55.260002,"end":60.620003,"sentiment":"neutral","sentiment_score":0.057963939294928594},{"text":"So we look at what your long, medium term, short term goals are.","start":60.620003,"end":63.98,"sentiment":"neutral","sentiment_score":0.07054255759486786},{"text":"We also look at your full financial circumstances, and then we formulate advice or financial plans to help you meet those goals and track towards meeting them.","start":63.98,"end":73.885,"sentiment":"neutral","sentiment_score":0.12817825349392714},{"text":"And those plans are fluid.","start":73.885,"end":75.165,"sentiment":"neutral","sentiment_score":0.0759131632745266}],"sentiment":"neutral","sentiment_score":0.08751708773129127,"num_words":68,"start":54.38,"end":75.165},{"sentences":[{"text":"They alter and change as your goals change, as your life changes, and we keep updating that advice and keep reviewing the advice for you.","start":75.165,"end":82.850006,"sentiment":"neutral","sentiment_score":0.11396368265151978},{"text":"So it's essentially looking at what you're trying to achieve and how we obtain getting to that point, and we provide that financial advice and guidance towards meeting those goals for you.","start":82.850006,"end":93.03,"sentiment":"neutral","sentiment_score":0.1512094100471586},{"text":"I know you had a conversation with my colleague, Maddie, a few weeks back, and you mentioned that one of the things you were sort of looking for was about maybe reducing some taxation.","start":93.795006,"end":102.055,"sentiment":"neutral","sentiment_score":-0.012947030639385475},{"text":"Can I just get a bit of an understanding of your circumstances at the moment?","start":102.195,"end":105.475006,"sentiment":"neutral","sentiment_score":-0.017606048782666524},{"text":"I believe you claimed TPD.","start":105.475006,"end":107.175,"sentiment":"neutral","sentiment_score":-0.04737339913845062}],"sentiment":"neutral","sentiment_score":0.06078050827590732,"num_words":111,"start":75.165,"end":107.175},{"sentences":[{"text":"Is that right?","start":107.235,"end":108.055,"sentiment":"neutral","sentiment_score":-0.02764586793879668},{"text":"Okay.","start":124.755,"end":125.255,"sentiment":"neutral","sentiment_score":-0.02534148469567299},{"text":"Yeah.","start":141.89,"end":142.29001,"sentiment":"neutral","sentiment_score":0.01478786300867796},{"text":"Okay.","start":142.29001,"end":142.79001,"sentiment":"neutral","sentiment_score":0.02698604017496109},{"text":"No worries at all.","start":143.01001,"end":144.21,"sentiment":"neutral","sentiment_score":0.02708183415234089}],"sentiment":"neutral","sentiment_score":0.004182215128093958,"num_words":10,"start":107.235,"end":144.21},{"sentences":[{"text":"Can I ask, you're you mentioned that you're on work cover at the moment?","start":144.21,"end":147.615,"sentiment":"neutral","sentiment_score":0.012986576084845833},{"text":"What was the incident occurred?","start":147.615,"end":149.13501,"sentiment":"neutral","sentiment_score":-0.009077421762049198},{"text":"How what sorta happened?","start":149.13501,"end":150.675,"sentiment":"neutral","sentiment_score":-0.017075369833037257},{"text":"Yeah.","start":158.91,"end":159.41,"sentiment":"neutral","sentiment_score":-0.14333826303482056},{"text":"Yeah.","start":169.96501,"end":170.46501,"sentiment":"neutral","sentiment_score":-0.14435669779777527}],"sentiment":"neutral","sentiment_score":-0.008782859351485968,"num_words":25,"start":144.21,"end":170.46501},{"sentences":[{"text":"Yeah.","start":185.90001,"end":186.40001,"sentiment":"neutral","sentiment_score":-0.04267195612192154},{"text":"Oh, I'm so sorry to hear that.","start":186.54001,"end":188.32,"sentiment":"neutral","sentiment_score":-0.1559008647288595},{"text":"And just to confirm, how old are you?","start":188.7,"end":190.88,"sentiment":"neutral","sentiment_score":-0.058801379054784775},{"text":"Oh, well, so young to have back trouble.","start":193.195,"end":195.35501,"sentiment":"neutral","sentiment_score":-0.11379300616681576},{"text":"I'm so sorry that you've gone through that.","start":195.35501,"end":197.375,"sentiment":"neutral","sentiment_score":-0.2522465009242296}],"sentiment":"neutral","sentiment_score":-0.1416470343247056,"num_words":32,"start":185.90001,"end":197.375},{"sentences":[{"text":"Oh, is it so young to have back problems?","start":200.395,"end":202.41501,"sentiment":"neutral","sentiment_score":-0.08503750421934658},{"text":"Yeah.","start":212.49,"end":212.97,"sentiment":"neutral","sentiment_score":-0.04622478783130646},{"text":"Look.","start":212.97,"end":213.29,"sentiment":"neutral","sentiment_score":-0.03347840905189514},{"text":"I understand that.","start":213.29,"end":214.43,"sentiment":"neutral","sentiment_score":-0.026187803596258163},{"text":"Understandable.","start":215.20999,"end":215.70999,"sentiment":"neutral","sentiment_score":0.018424373120069504}],"sentiment":"neutral","sentiment_score":-0.06034531816840172,"num_words":15,"start":200.395,"end":215.70999},{"sentences":[{"text":"So, Yanni, just to sort of gauge, you mentioned that you're on work cover at the moment.","start":216.81,"end":220.64499,"sentiment":"neutral","sentiment_score":0.013636158505345093},{"text":"Are you still receiving those work cover payments on a regular basis?","start":220.64499,"end":223.94499,"sentiment":"neutral","sentiment_score":0.012709085363894701},{"text":"Okay.","start":226.885,"end":227.28499,"sentiment":"neutral","sentiment_score":0.03467058017849922},{"text":"And how much are you getting on a weekly or fortnightly basis from work cover?","start":227.28499,"end":230.745,"sentiment":"neutral","sentiment_score":0.028449113542834917},{"text":"Okay.","start":234.96,"end":235.44,"sentiment":"neutral","sentiment_score":0.01784493774175644}],"sentiment":"neutral","sentiment_score":0.018773390000443094,"num_words":46,"start":216.81,"end":235.44},{"sentences":[{"text":"Per fortnight or week?","start":235.44,"end":236.98001,"sentiment":"neutral","sentiment_score":0.011521869339048862},{"text":"Per week.","start":239.6,"end":240.24,"sentiment":"neutral","sentiment_score":0.027998201549053192},{"text":"Lovely.","start":240.24,"end":240.56,"sentiment":"neutral","sentiment_score":0.15786337852478027},{"text":"And do you know are they also putting any contributions into your sleep at the moment?","start":240.56,"end":244.74,"sentiment":"neutral","sentiment_score":0.04894499073270708},{"text":"They have.","start":248.11499,"end":248.775,"sentiment":"neutral","sentiment_score":-0.002341463463380933}],"sentiment":"neutral","sentiment_score":0.041535367351025344,"num_words":25,"start":235.44,"end":248.775},{"sentences":[{"text":"Yep.","start":249.075,"end":249.555,"sentiment":"neutral","sentiment_score":0.0064758057706058025},{"text":"Okay.","start":249.555,"end":250.055,"sentiment":"neutral","sentiment_score":0.004705402068793774},{"text":"Yep.","start":250.915,"end":251.235,"sentiment":"neutral","sentiment_score":0.022260885685682297},{"text":"No.","start":251.235,"end":251.47499,"sentiment":"neutral","sentiment_score":0.0364609956741333},{"text":"That's okay.","start":251.47499,"end":252.19499,"sentiment":"neutral","sentiment_score":0.13145314157009125}],"sentiment":"neutral","sentiment_score":0.05546822872323295,"num_words":6,"start":249.075,"end":252.19499},{"sentences":[{"text":"Fantastic.","start":252.19499,"end":252.69499,"sentiment":"positive","sentiment_score":0.5515894889831543},{"text":"Good to know.","start":253.075,"end":253.97499,"sentiment":"positive","sentiment_score":0.5236634612083435},{"text":"And you made mention that you had claimed TPD.","start":254.515,"end":257.335,"sentiment":"neutral","sentiment_score":0.14707463400231469},{"text":"Did you claim that through your super, and did you happen to withdraw any of that money, or what was the process that you went through with that?","start":258.30002,"end":265.12,"sentiment":"neutral","sentiment_score":0.07574836550546545},{"text":"Yep.","start":273.595,"end":274.095,"sentiment":"neutral","sentiment_score":-0.010596336796879768}],"sentiment":"neutral","sentiment_score":0.1323002256186945,"num_words":42,"start":252.19499,"end":274.095},{"sentences":[{"text":"Yep.","start":274.555,"end":275.055,"sentiment":"neutral","sentiment_score":0.006727167870849371},{"text":"Okay.","start":285.05002,"end":285.45,"sentiment":"neutral","sentiment_score":-0.05792758613824845},{"text":"So it was withdrawn out.","start":285.45,"end":287.21,"sentiment":"neutral","sentiment_score":-0.09669281095266342},{"text":"Yeah.","start":287.21,"end":287.71,"sentiment":"neutral","sentiment_score":-0.058018386363983154},{"text":"Okay.","start":288.65,"end":289.15,"sentiment":"neutral","sentiment_score":-0.06613004952669144}],"sentiment":"neutral","sentiment_score":-0.07320143432459897,"num_words":9,"start":274.555,"end":289.15},{"sentences":[{"text":"Okay.","start":291.93,"end":292.43,"sentiment":"neutral","sentiment_score":-0.018379541113972664},{"text":"Oh, what's the first one was that?","start":292.97,"end":294.83002,"sentiment":"neutral","sentiment_score":-0.007041264059288161},{"text":"Okay.","start":298.005,"end":298.505,"sentiment":"neutral","sentiment_score":0.0125739723443985},{"text":"Interesting.","start":298.965,"end":299.465,"sentiment":"neutral","sentiment_score":0.02393413335084915},{"text":"And was it that was that an employer's super or something or just a union's super?","start":299.685,"end":306.02502,"sentiment":"neutral","sentiment_score":-0.0066750324331223965}],"sentiment":"neutral","sentiment_score":-0.005306184721680788,"num_words":26,"start":291.93,"end":306.02502},{"sentences":[{"text":"Yeah.","start":317.46,"end":317.94,"sentiment":"neutral","sentiment_score":0.03355700895190239},{"text":"Okay.","start":317.94,"end":318.44,"sentiment":"neutral","sentiment_score":0.05960558354854584},{"text":"Yeah.","start":318.74,"end":319.06,"sentiment":"neutral","sentiment_score":0.09516136348247528},{"text":"Absolutely.","start":319.06,"end":319.56,"sentiment":"neutral","sentiment_score":0.2270712852478027},{"text":"Understandable.","start":319.94,"end":320.44,"sentiment":"neutral","sentiment_score":0.19019894301891327}],"sentiment":"neutral","sentiment_score":0.1211188368499279,"num_words":5,"start":317.46,"end":320.44},{"sentences":[{"text":"And so with your super at the moment, do you know roughly what the balance might be, what you have in there?","start":321.155,"end":325.73502,"sentiment":"neutral","sentiment_score":0.012197782370177183},{"text":"Yeah.","start":328.67502,"end":328.99503,"sentiment":"neutral","sentiment_score":0.024013785645365715},{"text":"That's okay if you're not sure.","start":328.99503,"end":330.77502,"sentiment":"neutral","sentiment_score":-0.08890124876052141},{"text":"That's okay.","start":347.74503,"end":348.545,"sentiment":"neutral","sentiment_score":0.14789659529924393},{"text":"You're absolutely you're absolutely fine.","start":348.545,"end":351.505,"sentiment":"neutral","sentiment_score":0.2937190294265747}],"sentiment":"neutral","sentiment_score":0.042315162304374904,"num_words":36,"start":321.155,"end":351.505},{"sentences":[{"text":"Love technology when it wants to work.","start":351.505,"end":353.345,"sentiment":"positive","sentiment_score":0.4360779183251517},{"text":"Hey.","start":353.345,"end":353.845,"sentiment":"neutral","sentiment_score":0.09489531815052032},{"text":"Yeah.","start":364.63998,"end":365.04,"sentiment":"neutral","sentiment_score":0.02514982782304287},{"text":"You're right.","start":365.04,"end":365.86,"sentiment":"neutral","sentiment_score":0.014874495100229977},{"text":"Oh, yeah.","start":403.725,"end":404.285,"sentiment":"neutral","sentiment_score":-0.04082109406590462}],"sentiment":"neutral","sentiment_score":0.24005364433217508,"num_words":13,"start":351.505,"end":404.285},{"sentences":[{"text":"Is it like a two factor authentication that you've gotta do?","start":404.285,"end":407.42502,"sentiment":"neutral","sentiment_score":-0.020022720437158237},{"text":"Yeah.","start":412.05,"end":412.28998,"sentiment":"neutral","sentiment_score":-0.018482130020856857},{"text":"Wow.","start":412.28998,"end":412.78998,"sentiment":"neutral","sentiment_score":-0.00977248139679432},{"text":"Okay.","start":415.33,"end":415.83,"sentiment":"neutral","sentiment_score":0.0045546116307377815},{"text":"19,000.","start":416.69,"end":417.66998,"sentiment":"neutral","sentiment_score":0.009716534987092018}],"sentiment":"neutral","sentiment_score":-0.015615559307237466,"num_words":15,"start":404.285,"end":417.66998},{"sentences":[{"text":"And just while you have it open there as well, the regular contributions, you should see the contributions going in.","start":417.97,"end":423.345,"sentiment":"neutral","sentiment_score":0.058519958332180974},{"text":"What are they looking like each fortnight or each week from your workers' compensation work cover?","start":423.345,"end":429.44498,"sentiment":"neutral","sentiment_score":-0.018069525074679404},{"text":"Yep.","start":446.08002,"end":446.58002,"sentiment":"neutral","sentiment_score":-0.1140262708067894},{"text":"Okay.","start":463.63,"end":464.13,"sentiment":"neutral","sentiment_score":-0.12062177807092668},{"text":"Inconsistent.","start":464.51,"end":465.01,"sentiment":"neutral","sentiment_score":-0.12799416482448578}],"sentiment":"neutral","sentiment_score":0.013298578249911467,"num_words":39,"start":417.97,"end":465.01},{"sentences":[{"text":"No.","start":465.47,"end":465.63,"sentiment":"neutral","sentiment_score":-0.15061748027801514},{"text":"That's okay.","start":465.63,"end":466.37,"sentiment":"neutral","sentiment_score":-0.04342091828584671},{"text":"And you said those contributions have started going in sort of for the last year roughly?","start":466.43,"end":471.17,"sentiment":"neutral","sentiment_score":0.005380585673265159},{"text":"Yep.","start":473.51498,"end":473.835,"sentiment":"neutral","sentiment_score":0.14119738340377808},{"text":"That's okay.","start":473.835,"end":474.555,"sentiment":"positive","sentiment_score":0.3650332987308502}],"sentiment":"neutral","sentiment_score":0.03272245612672784,"num_words":22,"start":465.47,"end":474.555},{"sentences":[{"text":"Beautiful.","start":474.555,"end":475.055,"sentiment":"positive","sentiment_score":0.6484571695327759},{"text":"And so with your work side of things, so you mentioned that you are looking to get more work and have been sort of trying to get interviews and things like that.","start":475.51498,"end":483.915,"sentiment":"neutral","sentiment_score":0.15963600599206984},{"text":"Is WorkCover sort of helping you to look at getting a new role, or are they sort of liaising that with you to help you try and find work?","start":483.915,"end":491.31,"sentiment":"neutral","sentiment_score":0.12530601076011},{"text":"Yep.","start":504.105,"end":504.605,"sentiment":"neutral","sentiment_score":0.02685220912098885},{"text":"Yeah.","start":507.625,"end":508.105,"sentiment":"neutral","sentiment_score":0.09399279952049255}],"sentiment":"neutral","sentiment_score":0.14861763565568253,"num_words":64,"start":474.555,"end":508.105},{"sentences":[{"text":"Absolutely.","start":508.105,"end":508.605,"sentiment":"neutral","sentiment_score":0.20866215229034424},{"text":"Absolutely.","start":509.385,"end":509.885,"sentiment":"neutral","sentiment_score":0.16715958714485168},{"text":"And have they had any interviews, or how is that kinda going?","start":510.825,"end":513.805,"sentiment":"neutral","sentiment_score":0.10961803483466308},{"text":"Oh, fantastic.","start":520.48004,"end":521.38,"sentiment":"positive","sentiment_score":0.5132515728473663},{"text":"Yeah.","start":526.08,"end":526.58,"sentiment":"neutral","sentiment_score":0.32020968198776245}],"sentiment":"neutral","sentiment_score":0.1787029991255087,"num_words":17,"start":508.105,"end":526.58},{"sentences":[{"text":"Lovely.","start":526.88,"end":527.38,"sentiment":"positive","sentiment_score":0.5578557848930359},{"text":"Well, I'll cross everything for you.","start":527.68,"end":529.28,"sentiment":"positive","sentiment_score":0.4608045518398285},{"text":"I think that's fantastic.","start":529.28,"end":530.52496,"sentiment":"positive","sentiment_score":0.7095982134342194},{"text":"All good.","start":530.985,"end":531.805,"sentiment":"positive","sentiment_score":0.644638329744339},{"text":"The sort of looking at where we are at the moment, I there's definitely things that we can look at doing to help you advice wise.","start":533.14496,"end":540.90497,"sentiment":"neutral","sentiment_score":0.24609123113063666}],"sentiment":"positive","sentiment_score":0.3550955030398491,"num_words":39,"start":526.88,"end":540.90497},{"sentences":[{"text":"It's more just for looking at your super and your long term goals at the moment.","start":540.90497,"end":545.07,"sentiment":"neutral","sentiment_score":0.2976922355592251},{"text":"I'd sort of wanna make sure you get your super up a little bit and possibly look at, you know, whether you're able to obtain a role, maybe starting some work to make sure that our services and the fees we charge for our services are gonna be relevant for you.","start":545.07,"end":558.455,"sentiment":"neutral","sentiment_score":0.25772250896575405},{"text":"For now, just continuing to make that the contributions would weigh.","start":559.55505,"end":564.275,"sentiment":"neutral","sentiment_score":0.03468206711113453},{"text":"What I'd sort of suggest we do is if I maybe get one of the girls to touch base in maybe another sort of four weeks to see how things are going for you, Because as advisers, we do as financial advisers and look at your long term goals, it looks like there's some possibly some big changes in your life coming up with you starting a new role, getting the income back, depending on what happens with work cover as well.","start":564.275,"end":587.93,"sentiment":"neutral","sentiment_score":0.08033933018038912},{"text":"Have work cover mentioned anything about a large payout or them stopping the work cover in the next few months or the next couple of years at all?","start":588.03503,"end":594.835,"sentiment":"neutral","sentiment_score":-0.17819476234061377}],"sentiment":"neutral","sentiment_score":0.10578084145573542,"num_words":188,"start":540.90497,"end":594.835},{"sentences":[{"text":"Has that ever been discussed?","start":594.835,"end":596.055,"sentiment":"neutral","sentiment_score":-0.0937692403793335},{"text":"Okay.","start":606.37,"end":606.87,"sentiment":"neutral","sentiment_score":-0.04570578783750534},{"text":"Yep.","start":608.93,"end":609.43,"sentiment":"neutral","sentiment_score":-0.15438298881053925},{"text":"Okay.","start":617.90497,"end":618.40497,"sentiment":"neutral","sentiment_score":0.14438478648662567},{"text":"Yeah.","start":618.46497,"end":618.865,"sentiment":"neutral","sentiment_score":0.33087149262428284}],"sentiment":"neutral","sentiment_score":-0.02151985549264484,"num_words":9,"start":594.835,"end":618.865},{"sentences":[{"text":"Beautiful.","start":618.865,"end":619.365,"sentiment":"positive","sentiment_score":0.5456912517547607},{"text":"So what I'd probably be thinking you're right.","start":619.985,"end":622.14496,"sentiment":"neutral","sentiment_score":0.3220104146748781},{"text":"Because you are looking for work and trying to sort of get back into the workforce there, there are some very big changes coming in your life.","start":622.14496,"end":628.25,"sentiment":"neutral","sentiment_score":0.12644797535958113},{"text":"So we wanna sort of see your super balance increase a little bit to be able to look at ways to improve and help that along to meet your long term goals.","start":628.25,"end":635.95,"sentiment":"positive","sentiment_score":0.43744980124756694},{"text":"But then also looking at your changes in your work circumstances, income coming in, and what that looks like for you moving forward as well.","start":636.33,"end":643.935,"sentiment":"neutral","sentiment_score":0.16636216789484023}],"sentiment":"neutral","sentiment_score":0.2655195456038239,"num_words":93,"start":618.865,"end":643.935},{"sentences":[{"text":"So I probably wouldn't be able to provide any advice now, but I would love to stay in contact with you over the next sort of couple of months to see where things change and kinda gauge when we can provide financial advice and help you along.","start":644.07495,"end":656.235,"sentiment":"neutral","sentiment_score":0.3011490043173445},{"text":"Does that sound okay?","start":656.235,"end":657.375,"sentiment":"neutral","sentiment_score":0.23194212093949318},{"text":"Yes?","start":659.81,"end":660.31,"sentiment":"neutral","sentiment_score":0.031068768352270126},{"text":"Yes.","start":666.69,"end":667.17,"sentiment":"neutral","sentiment_score":0.00743464007973671},{"text":"So because you have been having been totally permanently disabled and claimed that there is less there realistically, insurers aren't gonna offer TBD or income protection.","start":667.17,"end":678.885,"sentiment":"neutral","sentiment_score":-0.17750851738338286}],"sentiment":"neutral","sentiment_score":0.13297536257135717,"num_words":79,"start":644.07495,"end":678.885},{"sentences":[{"text":"There might be an option where you can get default cover through, like, an industry fund like Australian Super or such because those sorts of funds don't don't ask or go through any prequalifying questions when you start the application.","start":679.585,"end":693.63,"sentiment":"neutral","sentiment_score":-0.12279757549986244},{"text":"The only sort of thing I would be very careful about and if you like, I can obtain some information on whether any of these funds would offer cover or what that might look like.","start":694.17004,"end":703.38495,"sentiment":"neutral","sentiment_score":-0.14097401882920946},{"text":"I'm happy to do a bit of general advice, a general research for you to see if anything can be attained from one of the industry funds.","start":703.38495,"end":709.805,"sentiment":"positive","sentiment_score":0.47342468632592094},{"text":"But, realistically, retail funds went off a TPD or disability cover like income protection because you've already been through a claim.","start":710.345,"end":716.79,"sentiment":"neutral","sentiment_score":-0.15850006771229563},{"text":"The likelihood of you claiming again is definitely higher.","start":716.79,"end":719.69,"sentiment":"negative","sentiment_score":-0.5364406506220499}],"sentiment":"neutral","sentiment_score":-0.03954541231646682,"num_words":132,"start":679.585,"end":719.69},{"sentences":[{"text":"And in their eyes, TPD basically means that you're never able to go back to work again.","start":720.23,"end":724.62994,"sentiment":"neutral","sentiment_score":-0.30138707774526935},{"text":"You've been totally, permanently disabled.","start":724.62994,"end":726.49,"sentiment":"negative","sentiment_score":-0.38851762413978574},{"text":"They sort of see that as, realistically, they're not gonna offer cover again.","start":726.62994,"end":731.365,"sentiment":"negative","sentiment_score":-0.33405720041348386},{"text":"But I'm happy to go back and have a look at some of the industry funds, have a look at what their rules are if you like, and see if any of those would offer cover Because they don't offer they don't ask any prequalifying questions at the time of the application, it's very much easier to get those sorts of covers.","start":732.705,"end":750.51996,"sentiment":"neutral","sentiment_score":0.22055763571012404},{"text":"However, the thing I'd be very careful about is when you do go to claim on those sorts of insurances, they ask you prequalifying questions and a lot of information about the claims at the time of claim.","start":750.66,"end":762.115,"sentiment":"neutral","sentiment_score":-0.16267262438410207}],"sentiment":"neutral","sentiment_score":-0.029006654520829518,"num_words":135,"start":720.23,"end":762.115},{"sentences":[{"text":"So there's a risk there that you may have that TBD or income protection within that industry fund, and then you get to the time of claim, and they go, hey.","start":762.115,"end":772.02997,"sentiment":"neutral","sentiment_score":-0.2188487773941409},{"text":"You've already claimed.","start":772.02997,"end":772.91,"sentiment":"neutral","sentiment_score":-0.20230092108249664},{"text":"We're actually not.","start":772.91,"end":773.87,"sentiment":"neutral","sentiment_score":-0.31467026472091675},{"text":"You weren't eligible to have this cover, and we're not gonna pay that cover.","start":773.87,"end":777.06995,"sentiment":"negative","sentiment_score":-0.3363656593220575},{"text":"So I'd be very wary of the risk around that.","start":777.06995,"end":780.05,"sentiment":"negative","sentiment_score":-0.4231407165527344}],"sentiment":"neutral","sentiment_score":-0.2832090500436845,"num_words":61,"start":762.115,"end":780.05},{"sentences":[{"text":"But if you like, I can get one of my team to do a little bit of research for you, find out if any of the industry funds would be willing to offer income protection or TBD and what that what they might ask or what the, you know, the risk is at time of claim.","start":780.50995,"end":795.705,"sentiment":"neutral","sentiment_score":0.0057683982886374},{"text":"Would you like me to follow-up on that for you for the time being?","start":795.705,"end":798.60504,"sentiment":"neutral","sentiment_score":0.06034100215349879},{"text":"Yeah.","start":800.66,"end":801.13995,"sentiment":"neutral","sentiment_score":0.1805894523859024},{"text":"That's okay.","start":801.13995,"end":802.12,"sentiment":"positive","sentiment_score":0.3737495541572571},{"text":"Beautiful.","start":803.77997,"end":804.27997,"sentiment":"positive","sentiment_score":0.5972546339035034}],"sentiment":"neutral","sentiment_score":0.03639388552589996,"num_words":74,"start":780.50995,"end":804.27997},{"sentences":[{"text":"And can I grab I've got your your phone number here?","start":804.66,"end":807.94,"sentiment":"neutral","sentiment_score":0.09433742917396805},{"text":"I just need to sorry.","start":807.94,"end":809.37994,"sentiment":"neutral","sentiment_score":-0.016952208057045937},{"text":"I'm just double checking your email address.","start":809.37994,"end":811.94,"sentiment":"neutral","sentiment_score":-0.014637423945324761},{"text":"Can I grab that off you, Yanny?","start":811.94,"end":813.48,"sentiment":"neutral","sentiment_score":0.008446235874933856},{"text":"S h.","start":817.54504,"end":819.885,"sentiment":"neutral","sentiment_score":0.010235026013106108}],"sentiment":"neutral","sentiment_score":0.029065075505059212,"num_words":32,"start":804.66,"end":819.885},{"sentences":[{"text":"Yep.","start":820.505,"end":821.005,"sentiment":"neutral","sentiment_score":0.014951048418879507},{"text":"Yep.","start":822.98505,"end":823.48505,"sentiment":"neutral","sentiment_score":0.016109082847833633},{"text":"Beautiful.","start":826.36,"end":826.86,"sentiment":"positive","sentiment_score":0.5590077638626099},{"text":"Lovely.","start":828.27997,"end":828.77997,"sentiment":"positive","sentiment_score":0.5721184015274048},{"text":"Well, what I'll do is I'll start there, and I'll find some information out for you.","start":828.83997,"end":831.87994,"sentiment":"neutral","sentiment_score":0.14301078207790852}],"sentiment":"neutral","sentiment_score":0.1725179404951632,"num_words":20,"start":820.505,"end":831.87994},{"sentences":[{"text":"Just give you some general information around those insurances, and then we can kinda go from there.","start":831.87994,"end":836.93994,"sentiment":"neutral","sentiment_score":0.11976677266990438},{"text":"Long term wise, I know you are wanting to kinda get back into work and, you know, you know, get back working and there's some income and everything moving forward.","start":837.72,"end":846.955,"sentiment":"neutral","sentiment_score":0.08639815424879392},{"text":"When you kinda do get old enough to retire, what age are you realistically wanting to maybe eventually stop work and retire?","start":847.575,"end":855.895,"sentiment":"neutral","sentiment_score":0.00692991895431822},{"text":"What's your goal age for that sort of thing?","start":855.895,"end":861.95,"sentiment":"neutral","sentiment_score":-0.012195953478415808},{"text":"Yeah.","start":867.85,"end":868.35,"sentiment":"neutral","sentiment_score":0.021548178046941757}],"sentiment":"neutral","sentiment_score":0.05939522248846066,"num_words":79,"start":831.87994,"end":868.35},{"sentences":[{"text":"Yeah.","start":876.285,"end":876.785,"sentiment":"neutral","sentiment_score":0.0649297833442688},{"text":"Yep.","start":876.845,"end":877.345,"sentiment":"neutral","sentiment_score":0.10262759029865264},{"text":"Perfect.","start":878.125,"end":878.625,"sentiment":"neutral","sentiment_score":0.22069863975048065},{"text":"60 mark.","start":879.085,"end":880.045,"sentiment":"neutral","sentiment_score":0.12419633939862251},{"text":"Excellent.","start":880.045,"end":880.545,"sentiment":"neutral","sentiment_score":0.31605952978134155}],"sentiment":"neutral","sentiment_score":0.15878470366199812,"num_words":6,"start":876.285,"end":880.545},{"sentences":[{"text":"I know looking for work and trying to get back into the workforce is one of your sort of medium term goals there.","start":881.725,"end":887.31,"sentiment":"neutral","sentiment_score":0.13746327744877856},{"text":"Do you have any other goals that you're hoping to achieve in the next sort of one to two or even five years, or is it more just getting back into work and looking after yourself?","start":887.31,"end":896.43005,"sentiment":"neutral","sentiment_score":0.0683148115252455},{"text":"What's your sort of goal situation there?","start":896.43005,"end":898.515,"sentiment":"neutral","sentiment_score":0.011258219435278858},{"text":"Yep.","start":901.075,"end":901.47504,"sentiment":"neutral","sentiment_score":0.13781633973121643},{"text":"Beautiful.","start":901.47504,"end":901.97504,"sentiment":"positive","sentiment_score":0.35625433921813965}],"sentiment":"neutral","sentiment_score":0.09108627663569197,"num_words":68,"start":881.725,"end":901.97504},{"sentences":[{"text":"Getting back into work.","start":902.515,"end":903.895,"sentiment":"neutral","sentiment_score":0.232730895280838},{"text":"Beautiful.","start":904.835,"end":905.335,"sentiment":"positive","sentiment_score":0.45438119769096375},{"text":"Excellent.","start":905.875,"end":906.375,"sentiment":"positive","sentiment_score":0.3519953489303589},{"text":"So if it's okay, what I'd probably like to do for the moment is just do that research for you, have a look at what your options are with regard to the insurance side of things.","start":906.835,"end":916.02,"sentiment":"neutral","sentiment_score":0.09465469854573409},{"text":"In your Australian Super account at the moment, do you have any insurances like T for the income protection, anything like that?","start":916.24,"end":922.26,"sentiment":"neutral","sentiment_score":0.013071653390811249}],"sentiment":"neutral","sentiment_score":0.08488196328107733,"num_words":64,"start":902.515,"end":922.26},{"sentences":[{"text":"No.","start":924.815,"end":925.315,"sentiment":"neutral","sentiment_score":-0.19286400079727173},{"text":"No.","start":925.53503,"end":925.775,"sentiment":"neutral","sentiment_score":-0.18930409848690033},{"text":"That's okay.","start":925.775,"end":926.675,"sentiment":"neutral","sentiment_score":-0.07779665477573872},{"text":"Not a problem at all.","start":927.135,"end":928.255,"sentiment":"positive","sentiment_score":0.4428052604198456},{"text":"Beautiful.","start":928.255,"end":928.755,"sentiment":"positive","sentiment_score":0.8073716759681702}],"sentiment":"neutral","sentiment_score":0.24836365692317486,"num_words":10,"start":924.815,"end":928.755},{"sentences":[{"text":"And then if it's okay, I'd love the girls to sort of touch base again when we can sort of see your super balance increasing a little bit to make it sort of worth looking at other super funds and other options for you.","start":929.295,"end":939.42,"sentiment":"positive","sentiment_score":0.3453163853423162},{"text":"And, also, when you are able to get back to work or when you sort of know what's happening over the course of the next few months there with changes in your circumstances, then I'd love to sort of have another conversation and and really sort of nut down what changes are and, you know, whether any financial advice could help you.","start":940.04,"end":955.965,"sentiment":"neutral","sentiment_score":0.15877573264221992},{"text":"Would that be okay?","start":955.965,"end":957.005,"sentiment":"neutral","sentiment_score":0.12306922487914562},{"text":"Are you comfortable with that?","start":957.005,"end":958.365,"sentiment":"neutral","sentiment_score":0.04975939467549324},{"text":"Or yeah?","start":958.365,"end":960.705,"sentiment":"neutral","sentiment_score":0.07041887193918228}],"sentiment":"neutral","sentiment_score":0.22153784611668342,"num_words":117,"start":929.295,"end":960.705},{"sentences":[{"text":"Beautiful.","start":961.165,"end":961.665,"sentiment":"positive","sentiment_score":0.6126233339309692},{"text":"I think one of the important things with financial advice is it's important to kinda do it at a certain pace so that it is there to help you.","start":961.965,"end":968.43,"sentiment":"neutral","sentiment_score":0.24470779196969394},{"text":"If I was to jump in and do a really big plan now and sort of charge you a fee, I don't see it putting you in a better position, I think, because as advisers, we do charge a fee for our advice for monitoring, looking after everything.","start":968.43,"end":980.93,"sentiment":"neutral","sentiment_score":-0.02443527876554678},{"text":"And then the advice has to be in your best interest.","start":981.855,"end":984.175,"sentiment":"neutral","sentiment_score":0.09088510749014941},{"text":"So I think for now, being in best interest for you is just to give you the information that you're after and then sort of keep monitoring your circumstances.","start":984.175,"end":991.795,"sentiment":"neutral","sentiment_score":0.16423915840428452}],"sentiment":"neutral","sentiment_score":0.10422820081713341,"num_words":118,"start":961.165,"end":991.795},{"sentences":[{"text":"And then when things change and allow you know, what things do change and then you get a job and you're back in the workforce and, you know, you're kinda settled in what you're doing, then we could reassess those goals.","start":992.975,"end":1006.25995,"sentiment":"neutral","sentiment_score":0.1302798848326613},{"text":"But I do see financial advice assisting you and being able to support you moving forward.","start":1006.25995,"end":1011.70496,"sentiment":"positive","sentiment_score":0.3847862286493182},{"text":"Does that sound okay?","start":1011.76495,"end":1012.885,"sentiment":"neutral","sentiment_score":0.26822177693247795},{"text":"Do you have any questions, concerns, or anything that you wanted to ask me at the moment?","start":1012.885,"end":1017.225,"sentiment":"neutral","sentiment_score":0.04876323701704249},{"text":"Or that's okay.","start":1017.285,"end":1021.70496,"sentiment":"neutral","sentiment_score":0.10147426029046376}],"sentiment":"neutral","sentiment_score":0.16918938091875593,"num_words":81,"start":992.975,"end":1021.70496},{"sentences":[{"text":"Do you have any concerns or questions about how the process works, how what financial advisers do, or anything there?","start":1022.65,"end":1029.93,"sentiment":"neutral","sentiment_score":0.02401431668549776},{"text":"Is there anything that's that we've talked about that you wanted to kind of have broken down a bit further?","start":1029.93,"end":1035.39,"sentiment":"neutral","sentiment_score":-0.061325160413980485},{"text":"Or yeah.","start":1035.45,"end":1040.615,"sentiment":"neutral","sentiment_score":-0.0997893176972866},{"text":"That's that's okay.","start":1040.8351,"end":1042.855,"sentiment":"neutral","sentiment_score":0.16624571879704794},{"text":"That's okay.","start":1043.0751,"end":1043.875,"sentiment":"neutral","sentiment_score":0.29899685084819794}],"sentiment":"neutral","sentiment_score":0.003211390385602383,"num_words":47,"start":1022.65,"end":1043.875},{"sentences":[{"text":"I'm a big believer in making sure that things aren't done too quickly, that things are done correctly.","start":1043.875,"end":1048.6951,"sentiment":"positive","sentiment_score":0.4518785940276252},{"text":"And as I kinda made mention, we work under the corporations.","start":1048.755,"end":1052.0099,"sentiment":"neutral","sentiment_score":0.12060480598698962},{"text":"That's so we have to provide advice on in best interest.","start":1052.0099,"end":1054.57,"sentiment":"neutral","sentiment_score":0.12732354483821176},{"text":"And the sorry.","start":1054.57,"end":1056.25,"sentiment":"neutral","sentiment_score":-0.04147009799877802},{"text":"Best interest of you is more important than anything else I do.","start":1056.25,"end":1059.13,"sentiment":"neutral","sentiment_score":0.07936368137598038}],"sentiment":"neutral","sentiment_score":0.21252691698345272,"num_words":55,"start":1043.875,"end":1059.13},{"sentences":[{"text":"So I have to make sure that your best interest is for first and for front 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alright?","start":1090.69,"end":1091.83,"sentiment":"neutral","sentiment_score":0.15382414311170578}],"sentiment":"neutral","sentiment_score":0.2567148921390375,"num_words":120,"start":1059.13,"end":1091.83},{"sentences":[{"text":"Yeah.","start":1093.375,"end":1093.6951,"sentiment":"positive","sentiment_score":0.3904000520706177},{"text":"Beautiful.","start":1093.6951,"end":1094.095,"sentiment":"positive","sentiment_score":0.5226948261260986},{"text":"In the meantime, Yanni, I will do a bit of research there for you on the industry funds, have a look at what insurances they may be willing to offer after a TBD claim.","start":1094.095,"end":1103.0751,"sentiment":"neutral","sentiment_score":0.12156664514366318},{"text":"Just knowing that it is due to the back.","start":1103.295,"end":1105.08,"sentiment":"neutral","sentiment_score":0.0621302363773187},{"text":"We do kind of blind pre assessment.","start":1105.48,"end":1107.1599,"sentiment":"neutral","sentiment_score":0.04912786345396723}],"sentiment":"neutral","sentiment_score":0.1144120766279789,"num_words":52,"start":1093.375,"end":1107.1599},{"sentences":[{"text":"They won't know anything about who you are, what you do, or any personal information.","start":1107.1599,"end":1111.32,"sentiment":"neutral","sentiment_score":0.030356035133202872},{"text":"It's all just general.","start":1111.32,"end":1112.62,"sentiment":"neutral","sentiment_score":0.08112227357923985},{"text":"And I'll come back, and I'll be able to send you a bit of an email if you like with a bit of a breakdown.","start":1113.5599,"end":1118.14,"sentiment":"neutral","sentiment_score":0.1491728138923645},{"text":"And then we'll make sure we keep in contact with you over the next few months to sort of see when we're able to provide some advice and help you along.","start":1118.9249,"end":1126.625,"sentiment":"neutral","sentiment_score":0.1912312875351598},{"text":"Okay?","start":1126.9249,"end":1127.4249,"sentiment":"neutral","sentiment_score":0.13642728328704834}],"sentiment":"neutral","sentiment_score":0.1391282521776463,"num_words":76,"start":1107.1599,"end":1127.4249},{"sentences":[{"text":"Easy.","start":1129.6449,"end":1130.125,"sentiment":"neutral","sentiment_score":0.27832961082458496},{"text":"In the meantime, I'm also gonna send out a copy of our financial services guide for you.","start":1130.125,"end":1135.18,"sentiment":"neutral","sentiment_score":0.18147021049962325},{"text":"It does outline everything about who advisers are, who OPU are, what we do, the services that we can provide, all of our licensing information as well.","start":1135.4,"end":1143.8,"sentiment":"neutral","sentiment_score":0.14268527552485466},{"text":"So I'm a full licensed adviser, and I'm registered with ASIC, and my license number is 1304394.","start":1143.8,"end":1150.255,"sentiment":"neutral","sentiment_score":0.08444683078457327},{"text":"And you can definitely look me up on the website as well if you did wanna do that.","start":1150.475,"end":1154.075,"sentiment":"neutral","sentiment_score":0.14651430894931158}],"sentiment":"neutral","sentiment_score":0.1411084914114326,"num_words":80,"start":1129.6449,"end":1154.075},{"sentences":[{"text":"Does that sound all good?","start":1154.075,"end":1155.615,"sentiment":"neutral","sentiment_score":0.22647565901279448},{"text":"Beautiful.","start":1157.355,"end":1157.855,"sentiment":"positive","sentiment_score":0.7134385108947754},{"text":"Look.","start":1157.9149,"end":1158.075,"sentiment":"positive","sentiment_score":0.6417005062103271},{"text":"I've had a pleasure getting to know you.","start":1158.075,"end":1159.835,"sentiment":"positive","sentiment_score":0.7730038613080978},{"text":"I'm looking forward to working with you down the track there.","start":1159.835,"end":1162.315,"sentiment":"positive","sentiment_score":0.7505088556896556}],"sentiment":"positive","sentiment_score":0.6510440621238488,"num_words":26,"start":1154.075,"end":1162.315},{"sentences":[{"text":"We'll jump more into what the fees look like around the services and things like that down the track when we're actually able to help provide advice for now.","start":1162.315,"end":1169.92,"sentiment":"neutral","sentiment_score":0.3081349787013284},{"text":"I'll just do some research that is full complimentary for you.","start":1169.92,"end":1172.8,"sentiment":"neutral","sentiment_score":0.28440467606891284},{"text":"No charges on any of that.","start":1172.8,"end":1174.88,"sentiment":"neutral","sentiment_score":0.2118521382411321},{"text":"It's just me wanting to help you out and get as much information as I can to start you along.","start":1174.88,"end":1179.9551,"sentiment":"positive","sentiment_score":0.34313385337591173},{"text":"And you'll get that email from me, so you'll also have my direct contact.","start":1180.415,"end":1183.6951,"sentiment":"neutral","sentiment_score":0.19343551141875132}],"sentiment":"neutral","sentiment_score":0.2863281609490514,"num_words":80,"start":1162.315,"end":1183.6951},{"sentences":[{"text":"And if you wanna stay in contact with me or have any questions, you're welcome to email me at any time or give me a call.","start":1183.6951,"end":1190.015,"sentiment":"neutral","sentiment_score":0.15220475798616043},{"text":"Okay?","start":1190.015,"end":1190.515,"sentiment":"neutral","sentiment_score":0.12323857843875884},{"text":"That's okay.","start":1193.38,"end":1194.28,"sentiment":"neutral","sentiment_score":0.26972851157188416},{"text":"All good.","start":1194.3401,"end":1195.06,"sentiment":"neutral","sentiment_score":0.32214878499507904},{"text":"Well, look.","start":1195.06,"end":1195.54,"sentiment":"neutral","sentiment_score":0.23499272018671036}],"sentiment":"neutral","sentiment_score":0.1737667369571599,"num_words":33,"start":1183.6951,"end":1195.54},{"sentences":[{"text":"Thank you so much for your time, Yanni.","start":1195.54,"end":1197.3,"sentiment":"positive","sentiment_score":0.5646414756774902},{"text":"I really appreciate it.","start":1197.3,"end":1198.42,"sentiment":"positive","sentiment_score":0.6449016481637955},{"text":"I'll let Maddie know about our, call this morning, and I'll make sure she touches base probably in about a month or two to sort of see how things are traveling work wise for you.","start":1198.42,"end":1206.995,"sentiment":"neutral","sentiment_score":0.27286736496857233},{"text":"Does that sound alright?","start":1206.995,"end":1208.0549,"sentiment":"neutral","sentiment_score":0.12696901336312294},{"text":"Easy.","start":1210.5149,"end":1210.995,"sentiment":"positive","sentiment_score":0.3973387479782105}],"sentiment":"positive","sentiment_score":0.33754444179626614,"num_words":52,"start":1195.54,"end":1210.995},{"sentences":[{"text":"I hope you have a great day.","start":1210.995,"end":1212.4349,"sentiment":"positive","sentiment_score":0.4895628179822649},{"text":"Do you have any plans this day, or you're just chilling?","start":1212.4349,"end":1215.0149,"sentiment":"neutral","sentiment_score":0.11542626876722682},{"text":"Yeah.","start":1221.67,"end":1222.17,"sentiment":"neutral","sentiment_score":0.09177563339471816},{"text":"Does acupuncture make you feel a lot better afterwards?","start":1222.23,"end":1224.65,"sentiment":"neutral","sentiment_score":0.06525332149532106},{"text":"Do you find you're a bit stiff or sore?","start":1224.71,"end":1226.55,"sentiment":"neutral","sentiment_score":-0.05186550971120596}],"sentiment":"neutral","sentiment_score":0.13267282761532712,"num_words":37,"start":1210.995,"end":1226.55},{"sentences":[{"text":"Or Yeah.","start":1226.55,"end":1241.7001,"sentiment":"neutral","sentiment_score":0.02257717028260231},{"text":"Okay.","start":1241.7001,"end":1242.2001,"sentiment":"neutral","sentiment_score":0.11479587852954865},{"text":"All good.","start":1243.9401,"end":1244.42,"sentiment":"neutral","sentiment_score":0.20274297893047333},{"text":"Well, I hope you feel good after that.","start":1244.42,"end":1246.3401,"sentiment":"neutral","sentiment_score":0.24828736763447523},{"text":"Hopefully, you enjoy your acupuncture, and I hope you have a good restful day.","start":1246.3401,"end":1249.8,"sentiment":"positive","sentiment_score":0.779724759714944}],"sentiment":"positive","sentiment_score":0.49881043533484143,"num_words":27,"start":1226.55,"end":1249.8},{"sentences":[{"text":"I'll get stuck into that research there for you, and I'll make sure the team touch base in about a month to see how things are going.","start":1250.42,"end":1256.045,"sentiment":"positive","sentiment_score":0.45991306724371733},{"text":"Okay?","start":1256.045,"end":1256.545,"sentiment":"neutral","sentiment_score":0.3174518048763275},{"text":"Thank you for your time.","start":1258.365,"end":1259.405,"sentiment":"positive","sentiment_score":0.8200621843338013},{"text":"It's been a pleasure.","start":1259.405,"end":1260.545,"sentiment":"positive","sentiment_score":0.8531235158443451},{"text":"I'll talk to you soon.","start":1260.765,"end":1262.145,"sentiment":"positive","sentiment_score":0.4371546387672424}],"sentiment":"positive","sentiment_score":0.5341353047461737,"num_words":42,"start":1250.42,"end":1262.145},{"sentences":[{"text":"Thanks, Johnny.","start":1263.485,"end":1264.285,"sentiment":"positive","sentiment_score":0.38764168322086334},{"text":"See you later.","start":1264.285,"end":1264.925,"sentiment":"neutral","sentiment_score":0.32162992159525555},{"text":"Bye.","start":1264.925,"end":1265.425,"sentiment":"neutral","sentiment_score":-0.12428545206785202}],"sentiment":"neutral","sentiment_score":0.26931461319327354,"num_words":6,"start":1263.485,"end":1265.425}]}}]},{"alternatives":[{"transcript":"Hello? I'm very sorry? I'm good. Yourself? Possibly. Yeah. I can't pretty much get an understanding of what you sort of will be doing for her and what what was sort of happy to be giving her and, yeah, see if I could possibly see if I'd fall in that sort of category. Yeah. Yeah. I've got to be there a while ago. But yeah. And I'm still just going through work cover and trying to find a a return to work at some point. So, yeah, it's just yeah. I'm just sort of trucking along waiting with help from work cover to get some more work and to get some interviews. I end up having a back surgery. I just had my back. It's sort of yeah. My back has sort of just given up over there a few years. And, yeah, it just started wearing and tearing away. So then just got to the point where I couldn't work anymore and I'm just unable to move. So I had to get a back surgery and just go through rehab. And it's taken a few years so far. 32. What was that? Sorry? Right? Yeah. Yeah. I don't know. I guess I just sort of became a a workaholic and just kept working through all my injuries. Yeah. Yeah. I'm still receiving it. Yeah. Taytron, like, 1,400, I think. Weekly. Yeah. They started putting punctuations in, I think, the last year or so. So I claimed that that my total permanent disability would have been a couple years ago, maybe two years ago. But, yeah, I didn't pull any extra super oh, so actually, no. Sorry. When I left the industry, they closed my super and paid out my super. Yeah. Yeah. So they have they paid it out. They didn't give me an option to take it for some weird reason. CityBus? It's just a union super. The u the super that, yeah, we had fresh from when we started. Working union jobs, I think they pretty much preferred everyone that was on a union site to be with Cbus. So I can have a look. Sorry. It's just gonna update me up quickly. I'm already logged in to it. Yeah. I know. I looked for an auto update. Alright. It's just logging in. Just gonna verify it now. I've logged into this app multiple times right last year, and I start to verify, which is verify every time I log in. It's just weird. No. I don't know. It's just the odd it's just odd super. I don't know why. The total I've got in my super at the moment is 19 thousand. Contributions in. They pay roughly it's very inconsistent. Like, on the April 27, they put 351. Then the May 1, they did 219. The May 11, 219. The May 18, 01/2031. The May 25, 03/2007. It's just, yeah, very inconsistent. Yeah. They have been recently. At the start, they didn't. They were a bit of pain, but they started recently. So fingers crossed something comes up soon. I'm currently just waiting for a meet and greet with Chisholm for a trade school teaching job. So fingers crossed that that goes through. Yes. Probably stopping in November, but I'm, like between me and my lawyer, we're sorting out I think there's still a few more lump sum payments that are possibly coming through before we finish up. We're not sure if if a settlement or anything will come through with cover, which is yeah. At the moment, his his parents got all the information on that he's working through. Yeah. Sarah also want me to ask about possibly adding insurances like income protection and death penalty. Yep. Yeah. Yes. Yes, please. Yep. It's s h x r p a u at gmail dot com. I don't know. It's just where my body if my body would let me go to 90, okay, we can dial to 90. So realistically, I don't know. My wife's looking for us to both retire at, like, the 50, 60 mark. So Yeah. Pretty much just getting back into work and looking nice for myself. Not that I know of. Not. I think so. Yeah. No. I think I'm pretty good for now. No. I'd like to trash everything. Yeah. I think I've finished better better on it. Yep. Sounds good. Option good. I'm good. Sounds good. Thank you. Alright. Thank you, Sandra. Thank you. I just got acupuncture in about an hour and a half, and then just chilling the rest of the day. Yeah. I mean, the third, as long as I make sure I rest after the first, like, hour or two after that, you generally feel a bit sore from your muscles being a bit aggravated. But then after that, when they start relaxing, it's generally you do feel pretty good. Thank you. Talk to you soon. 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I'm very sorry? I'm good. Yourself? Possibly.\n\nYeah. I can't pretty much get an understanding of what you sort of will be doing for her and what what was sort of happy to be giving her and, yeah, see if I could possibly see if I'd fall in that sort of category. Yeah. Yeah. I've got to be there a while ago.\n\nBut yeah. And I'm still just going through work cover and trying to find a a return to work at some point. So, yeah, it's just yeah. I'm just sort of trucking along waiting with help from work cover to get some more work and to get some interviews. I end up having a back surgery.\n\nI just had my back. It's sort of yeah. My back has sort of just given up over there a few years. And, yeah, it just started wearing and tearing away. So then just got to the point where I couldn't work anymore and I'm just unable to move.\n\nSo I had to get a back surgery and just go through rehab. And it's taken a few years so far. 32. What was that? Sorry?\n\nRight? Yeah. Yeah. I don't know. I guess I just sort of became a a workaholic and just kept working through all my injuries.\n\nYeah. Yeah. I'm still receiving it. Yeah. Taytron, like, 1,400, I think.\n\nWeekly. Yeah. They started putting punctuations in, I think, the last year or so. So I claimed that that my total permanent disability would have been a couple years ago, maybe two years ago. But, yeah, I didn't pull any extra super oh, so actually, no.\n\nSorry. When I left the industry, they closed my super and paid out my super. Yeah. Yeah. So they have they paid it out.\n\nThey didn't give me an option to take it for some weird reason. CityBus? It's just a union super. The u the super that, yeah, we had fresh from when we started. Working union jobs, I think they pretty much preferred everyone that was on a union site to be with Cbus.\n\nSo I can have a look. Sorry. It's just gonna update me up quickly. I'm already logged in to it. Yeah.\n\nI know. I looked for an auto update. Alright. It's just logging in. Just gonna verify it now.\n\nI've logged into this app multiple times right last year, and I start to verify, which is verify every time I log in. It's just weird. No. I don't know. It's just the odd it's just odd super.\n\nI don't know why. The total I've got in my super at the moment is 19 thousand. Contributions in. They pay roughly it's very inconsistent. Like, on the April 27, they put 351.\n\nThen the May 1, they did 219. The May 11, 219. The May 18, 01/2031. The May 25, 03/2007. It's just, yeah, very inconsistent.\n\nYeah. They have been recently. At the start, they didn't. They were a bit of pain, but they started recently. So fingers crossed something comes up soon.\n\nI'm currently just waiting for a meet and greet with Chisholm for a trade school teaching job. So fingers crossed that that goes through. Yes. Probably stopping in November, but I'm, like between me and my lawyer, we're sorting out I think there's still a few more lump sum payments that are possibly coming through before we finish up. We're not sure if if a settlement or anything will come through with cover, which is yeah.\n\nAt the moment, his his parents got all the information on that he's working through. Yeah. Sarah also want me to ask about possibly adding insurances like income protection and death penalty. Yep. Yeah.\n\nYes. Yes, please. Yep. It's s h x r p a u at gmail dot com. I don't know.\n\nIt's just where my body if my body would let me go to 90, okay, we can dial to 90. So realistically, I don't know. My wife's looking for us to both retire at, like, the 50, 60 mark. So Yeah. Pretty much just getting back into work and looking nice for myself.\n\nNot that I know of. Not. I think so. Yeah. No.\n\nI think I'm pretty good for now. No. I'd like to trash everything. Yeah. I think I've finished better better on it.\n\nYep. Sounds good. Option good. I'm good. Sounds good.\n\nThank you. Alright. Thank you, Sandra. Thank you. I just got acupuncture in about an hour and a half, and then just chilling the rest of the day.\n\nYeah. I mean, the third, as long as I make sure I rest after the first, like, hour or two after that, you generally feel a bit sore from your muscles being a bit aggravated. But then after that, when they start relaxing, it's generally you do feel pretty good. Thank you. Talk to you soon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":6.3999996,"end":6.72,"sentiment":"neutral","sentiment_score":0.034131355583667755},{"text":"I'm very sorry?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":-0.02749873387316863},{"text":"I'm good.","start":11.84,"end":12.4,"sentiment":"positive","sentiment_score":0.47374671697616577},{"text":"Yourself?","start":12.4,"end":12.9,"sentiment":"positive","sentiment_score":0.38234612345695496},{"text":"Possibly.","start":26.445,"end":26.945,"sentiment":"neutral","sentiment_score":-0.05514656752347946}],"sentiment":"neutral","sentiment_score":0.1532910179812461,"num_words":8,"start":6.3999996,"end":26.945},{"sentences":[{"text":"Yeah.","start":27.005001,"end":27.404999,"sentiment":"neutral","sentiment_score":-0.07644142210483551},{"text":"I can't pretty much get an understanding of what you sort of will be doing for her and what what was sort of happy to be giving her and, yeah, see if I could 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yeah.","start":125.975,"end":129.415,"sentiment":"neutral","sentiment_score":-0.02458413876593113},{"text":"I'm just sort of trucking along waiting with help from work cover to get some more work and to get some interviews.","start":129.415,"end":140.59999,"sentiment":"neutral","sentiment_score":-0.027359757826409557},{"text":"I end up having a back surgery.","start":152.53499,"end":154.39499,"sentiment":"neutral","sentiment_score":-0.1614731741803033}],"sentiment":"neutral","sentiment_score":-0.09450858192784446,"num_words":56,"start":114.11,"end":154.39499},{"sentences":[{"text":"I just had my back.","start":155.575,"end":157.515,"sentiment":"neutral","sentiment_score":-0.18708451986312866},{"text":"It's sort of yeah.","start":159.575,"end":165.15999,"sentiment":"neutral","sentiment_score":-0.144798643887043},{"text":"My back has sort of just given up over there a few years.","start":165.15999,"end":168.93999,"sentiment":"neutral","sentiment_score":-0.23610126284452584},{"text":"And, yeah, it just started wearing and tearing away.","start":169.79999,"end":174.2,"sentiment":"neutral","sentiment_score":-0.27903567751248676},{"text":"So then just got to the point where I couldn't work anymore and I'm just unable to move.","start":174.2,"end":179.295,"sentiment":"neutral","sentiment_score":-0.2981148436665535}],"sentiment":"neutral","sentiment_score":-0.2543126913357754,"num_words":49,"start":155.575,"end":179.295},{"sentences":[{"text":"So I had to get a back surgery and just go through rehab.","start":179.295,"end":181.715,"sentiment":"neutral","sentiment_score":-0.2786505577655939},{"text":"And it's taken a few years so far.","start":182.015,"end":185.395,"sentiment":"neutral","sentiment_score":-0.22494039498269558},{"text":"32.","start":191.73999,"end":192.56,"sentiment":"neutral","sentiment_score":-0.03236525505781174},{"text":"What was that?","start":198.7,"end":199.18,"sentiment":"neutral","sentiment_score":-0.12881573041280112},{"text":"Sorry?","start":199.18,"end":199.68,"sentiment":"neutral","sentiment_score":-0.092319518327713}],"sentiment":"neutral","sentiment_score":-0.22819662982454667,"num_words":26,"start":179.295,"end":199.68},{"sentences":[{"text":"Right?","start":202.785,"end":203.02501,"sentiment":"neutral","sentiment_score":-0.06140852719545365},{"text":"Yeah.","start":203.02501,"end":203.185,"sentiment":"neutral","sentiment_score":-0.08728866279125214},{"text":"Yeah.","start":203.185,"end":203.265,"sentiment":"neutral","sentiment_score":-0.1132259964942932},{"text":"I don't know.","start":203.265,"end":203.985,"sentiment":"neutral","sentiment_score":-0.1847380300362905},{"text":"I guess I just sort of became a a workaholic and just kept working through all my injuries.","start":203.985,"end":211.845,"sentiment":"neutral","sentiment_score":-0.2729284018278122}],"sentiment":"neutral","sentiment_score":-0.2387020212287704,"num_words":24,"start":202.785,"end":211.845},{"sentences":[{"text":"Yeah.","start":216.545,"end":217.045,"sentiment":"neutral","sentiment_score":0.010933227837085724},{"text":"Yeah.","start":224.8,"end":225.12,"sentiment":"neutral","sentiment_score":0.026096772402524948},{"text":"I'm still receiving it.","start":225.12,"end":226.08,"sentiment":"neutral","sentiment_score":0.02313624951057136},{"text":"Yeah.","start":226.08,"end":226.58,"sentiment":"neutral","sentiment_score":0.03310397267341614},{"text":"Taytron, like, 1,400, I think.","start":231.52,"end":234.525,"sentiment":"neutral","sentiment_score":0.01508820652961731}],"sentiment":"neutral","sentiment_score":0.019843333633616567,"num_words":12,"start":216.545,"end":234.525},{"sentences":[{"text":"Weekly.","start":238.42499,"end":238.92499,"sentiment":"neutral","sentiment_score":0.013087844476103784},{"text":"Yeah.","start":245.48,"end":245.88,"sentiment":"neutral","sentiment_score":0.008925581350922585},{"text":"They started putting punctuations in, I think, the last year or so.","start":245.88,"end":250.45999,"sentiment":"neutral","sentiment_score":-0.0011741645478953917},{"text":"So I claimed that that my total permanent disability would have been a couple years ago, maybe two years ago.","start":265.75497,"end":274.02,"sentiment":"neutral","sentiment_score":-0.16436581499874592},{"text":"But, yeah, I didn't pull any extra super oh, so actually, no.","start":275.78,"end":278.58,"sentiment":"neutral","sentiment_score":-0.2024190885325273}],"sentiment":"neutral","sentiment_score":-0.12409612850245574,"num_words":46,"start":238.42499,"end":278.58},{"sentences":[{"text":"Sorry.","start":278.58,"end":279.08,"sentiment":"neutral","sentiment_score":-0.2041982114315033},{"text":"When I left the industry, they closed my super and paid out my super.","start":279.62,"end":284.19998,"sentiment":"neutral","sentiment_score":-0.1832308524421283},{"text":"Yeah.","start":286.02,"end":286.52,"sentiment":"neutral","sentiment_score":-0.07196037471294403},{"text":"Yeah.","start":287.815,"end":288.055,"sentiment":"neutral","sentiment_score":-0.041264768689870834},{"text":"So they have they paid it out.","start":288.055,"end":289.255,"sentiment":"neutral","sentiment_score":-0.07696592115930148}],"sentiment":"neutral","sentiment_score":-0.14255903071413437,"num_words":24,"start":278.58,"end":289.255},{"sentences":[{"text":"They didn't give me an option to take it for some weird reason.","start":289.255,"end":292.235,"sentiment":"neutral","sentiment_score":-0.288727363714805},{"text":"CityBus?","start":296.375,"end":296.875,"sentiment":"neutral","sentiment_score":-0.002957727760076523},{"text":"It's just a union super.","start":302.95,"end":304.65,"sentiment":"neutral","sentiment_score":-0.009957818873226642},{"text":"The u the super that, yeah, we had fresh from when we started.","start":304.71,"end":309.27,"sentiment":"neutral","sentiment_score":-0.017644458951858375},{"text":"Working union jobs, I think they pretty much preferred everyone that was on a union site to be with Cbus.","start":309.27,"end":316.855,"sentiment":"neutral","sentiment_score":0.03865731535479426}],"sentiment":"neutral","sentiment_score":-0.06273911941724901,"num_words":52,"start":289.255,"end":316.855},{"sentences":[{"text":"So I can have a look.","start":317.235,"end":328.055,"sentiment":"neutral","sentiment_score":0.016649997793138027},{"text":"Sorry.","start":345.775,"end":346.095,"sentiment":"neutral","sentiment_score":-0.10870342701673508},{"text":"It's just gonna update me up quickly.","start":346.095,"end":347.875,"sentiment":"neutral","sentiment_score":0.02788239930357252},{"text":"I'm already logged in to it.","start":348.01498,"end":354.095,"sentiment":"neutral","sentiment_score":0.22898817310730615},{"text":"Yeah.","start":354.095,"end":354.415,"sentiment":"neutral","sentiment_score":0.05236579477787018}],"sentiment":"neutral","sentiment_score":0.076793723251848,"num_words":21,"start":317.235,"end":354.415},{"sentences":[{"text":"I know.","start":354.415,"end":354.815,"sentiment":"neutral","sentiment_score":0.027911235578358173},{"text":"I looked for an auto update.","start":354.815,"end":356.355,"sentiment":"neutral","sentiment_score":0.004028169127802053},{"text":"Alright.","start":362.75,"end":363.15,"sentiment":"neutral","sentiment_score":0.030024651437997815},{"text":"It's just logging in.","start":363.15,"end":364.37,"sentiment":"neutral","sentiment_score":0.018044439610093832},{"text":"Just gonna verify it now.","start":364.66998,"end":366.37,"sentiment":"neutral","sentiment_score":0.009105319902300835}],"sentiment":"neutral","sentiment_score":0.012651138628522554,"num_words":18,"start":354.415,"end":366.37},{"sentences":[{"text":"I've logged into this app multiple times right last year, and I start to verify, which is verify every time I log in.","start":396.16998,"end":402.565,"sentiment":"neutral","sentiment_score":-0.0197412531984889},{"text":"It's just weird.","start":402.565,"end":403.385,"sentiment":"neutral","sentiment_score":-0.2800329923629761},{"text":"No.","start":407.765,"end":408.005,"sentiment":"neutral","sentiment_score":-0.15146827697753906},{"text":"I don't know.","start":408.005,"end":408.565,"sentiment":"neutral","sentiment_score":-0.17798381547133127},{"text":"It's just the odd it's just odd super.","start":408.565,"end":410.325,"sentiment":"neutral","sentiment_score":-0.21399973705410957}],"sentiment":"neutral","sentiment_score":-0.0971464584336469,"num_words":38,"start":396.16998,"end":410.325},{"sentences":[{"text":"I don't know why.","start":410.325,"end":411.305,"sentiment":"neutral","sentiment_score":-0.22978422418236732},{"text":"The total I've got in my super at the moment is 19 thousand.","start":411.445,"end":425.06998,"sentiment":"neutral","sentiment_score":-0.02103614019086728},{"text":"Contributions in.","start":433.705,"end":435.085,"sentiment":"neutral","sentiment_score":-0.11434923857450485},{"text":"They pay roughly it's very inconsistent.","start":441.59,"end":444.97,"sentiment":"negative","sentiment_score":-0.509831557671229},{"text":"Like, on the April 27, they put 351.","start":446.95,"end":450.73,"sentiment":"neutral","sentiment_score":-0.06631984887644649}],"sentiment":"neutral","sentiment_score":-0.1518440404060212,"num_words":33,"start":410.325,"end":450.73},{"sentences":[{"text":"Then the May 1, they did 219.","start":451.19,"end":453.77002,"sentiment":"neutral","sentiment_score":-0.062197128044707437},{"text":"The May 11, 219.","start":454.125,"end":456.545,"sentiment":"neutral","sentiment_score":-0.03627986600622535},{"text":"The May 18, 01/2031.","start":456.845,"end":459.345,"sentiment":"neutral","sentiment_score":-0.034932905808091164},{"text":"The May 25, 03/2007.","start":459.725,"end":462.045,"sentiment":"neutral","sentiment_score":-0.0619695084169507},{"text":"It's just, yeah, very inconsistent.","start":462.045,"end":463.985,"sentiment":"neutral","sentiment_score":-0.3181603103876114}],"sentiment":"neutral","sentiment_score":-0.10662127371566991,"num_words":24,"start":451.19,"end":463.985},{"sentences":[{"text":"Yeah.","start":472.30002,"end":472.80002,"sentiment":"neutral","sentiment_score":0.0692819133400917},{"text":"They have been recently.","start":492.62,"end":494.08002,"sentiment":"neutral","sentiment_score":-0.04278328036889434},{"text":"At the start, they didn't.","start":494.14,"end":495.26,"sentiment":"neutral","sentiment_score":-0.10303866118192673},{"text":"They were a bit of pain, but they started recently.","start":495.26,"end":498.48,"sentiment":"neutral","sentiment_score":-0.19418356269598008},{"text":"So fingers crossed something comes up soon.","start":498.62,"end":506.88,"sentiment":"neutral","sentiment_score":-0.0012225218649421418}],"sentiment":"neutral","sentiment_score":-0.09509028866887093,"num_words":27,"start":472.30002,"end":506.88},{"sentences":[{"text":"I'm currently just waiting for a meet and greet with Chisholm for a trade school teaching job.","start":514.775,"end":519.995,"sentiment":"neutral","sentiment_score":0.09520081704592004},{"text":"So fingers crossed that that goes through.","start":522.54,"end":524.96,"sentiment":"neutral","sentiment_score":0.3269308848040445},{"text":"Yes.","start":559.17,"end":559.67,"sentiment":"neutral","sentiment_score":0.10660401731729507},{"text":"Probably stopping in November, but I'm, like between me and my lawyer, we're sorting out I think there's still a few more lump sum payments that are possibly coming through before we finish up.","start":595.71497,"end":608.1,"sentiment":"neutral","sentiment_score":-0.08930172387729673},{"text":"We're not sure if if a settlement or anything will come through with cover, which is yeah.","start":608.1,"end":613.56,"sentiment":"neutral","sentiment_score":-0.19926909927059622}],"sentiment":"neutral","sentiment_score":-0.031714463140815496,"num_words":76,"start":514.775,"end":613.56},{"sentences":[{"text":"At the moment, his his parents got all the information on that he's working through.","start":613.77997,"end":617.10504,"sentiment":"neutral","sentiment_score":-0.08367393414179485},{"text":"Yeah.","start":658.33,"end":658.83,"sentiment":"neutral","sentiment_score":0.05640501156449318},{"text":"Sarah also want me to ask about possibly adding insurances like income protection and death penalty.","start":659.37,"end":665.79004,"sentiment":"neutral","sentiment_score":-0.04474675958044827},{"text":"Yep.","start":686.25,"end":686.75,"sentiment":"neutral","sentiment_score":-0.021483715623617172},{"text":"Yeah.","start":710.2,"end":710.7,"sentiment":"neutral","sentiment_score":0.04402295500040054}],"sentiment":"neutral","sentiment_score":-0.055650379837435836,"num_words":34,"start":613.77997,"end":710.7},{"sentences":[{"text":"Yes.","start":738.87006,"end":739.37006,"sentiment":"neutral","sentiment_score":0.13602203130722046},{"text":"Yes, please.","start":799.345,"end":799.95,"sentiment":"neutral","sentiment_score":0.13477978855371475},{"text":"Yep.","start":814.03,"end":814.43,"sentiment":"neutral","sentiment_score":0.013255903497338297},{"text":"It's s h x r p a u at gmail dot com.","start":814.43,"end":825.595,"sentiment":"neutral","sentiment_score":0.015171494102105498},{"text":"I don't know.","start":861.27997,"end":861.83997,"sentiment":"neutral","sentiment_score":-0.016220277175307274}],"sentiment":"neutral","sentiment_score":0.029064979453228022,"num_words":19,"start":738.87006,"end":861.83997},{"sentences":[{"text":"It's just where my body if my body would let me go to 90, okay, we can dial to 90.","start":861.83997,"end":867.04,"sentiment":"neutral","sentiment_score":0.007091148663312197},{"text":"So realistically, I don't know.","start":867.04,"end":871.22504,"sentiment":"neutral","sentiment_score":-0.002754984050989151},{"text":"My wife's looking for us to both retire at, like, the 50, 60 mark.","start":871.22504,"end":875.705,"sentiment":"neutral","sentiment_score":0.01962960375073765},{"text":"So Yeah.","start":875.705,"end":897.345,"sentiment":"neutral","sentiment_score":0.03244887292385101},{"text":"Pretty much just getting back into work and looking nice for myself.","start":897.345,"end":900.325,"sentiment":"neutral","sentiment_score":0.036402287582556404}],"sentiment":"neutral","sentiment_score":0.01706769249735857,"num_words":53,"start":861.83997,"end":900.325},{"sentences":[{"text":"Not that I know of.","start":923.2,"end":924.08,"sentiment":"neutral","sentiment_score":-0.0984027475118637},{"text":"Not.","start":924.08,"end":924.32,"sentiment":"neutral","sentiment_score":-0.1303841769695282},{"text":"I think so.","start":924.32,"end":932.615,"sentiment":"neutral","sentiment_score":0.029011080662409466},{"text":"Yeah.","start":959.10504,"end":959.60504,"sentiment":"neutral","sentiment_score":0.035186052322387695},{"text":"No.","start":1018.22,"end":1018.3,"sentiment":"neutral","sentiment_score":-0.2128177136182785}],"sentiment":"neutral","sentiment_score":-0.06481784853068265,"num_words":11,"start":923.2,"end":1018.3},{"sentences":[{"text":"I think I'm pretty good for now.","start":1018.3,"end":1020.08,"sentiment":"neutral","sentiment_score":0.07798838748463563},{"text":"No.","start":1037.75,"end":1037.9099,"sentiment":"negative","sentiment_score":-0.45111238956451416},{"text":"I'd like to trash everything.","start":1037.9099,"end":1039.45,"sentiment":"negative","sentiment_score":-0.4638845264911652},{"text":"Yeah.","start":1039.6699,"end":1040.07,"sentiment":"neutral","sentiment_score":-0.046656981110572815},{"text":"I think I've finished better better on it.","start":1040.07,"end":1042.57,"sentiment":"neutral","sentiment_score":0.0276268208399415}],"sentiment":"neutral","sentiment_score":-0.09319357836449688,"num_words":22,"start":1018.3,"end":1042.57},{"sentences":[{"text":"Yep.","start":1091.97,"end":1092.29,"sentiment":"neutral","sentiment_score":0.1920890063047409},{"text":"Sounds good.","start":1092.29,"end":1093.11,"sentiment":"positive","sentiment_score":0.4366532564163208},{"text":"Option good.","start":1128.175,"end":1129.155,"sentiment":"neutral","sentiment_score":0.32189854979515076},{"text":"I'm good.","start":1156.0951,"end":1156.8351,"sentiment":"positive","sentiment_score":0.49150750041007996},{"text":"Sounds good.","start":1191.65,"end":1192.13,"sentiment":"positive","sentiment_score":0.3590240925550461}],"sentiment":"positive","sentiment_score":0.37891731162865955,"num_words":9,"start":1091.97,"end":1192.13},{"sentences":[{"text":"Thank you.","start":1192.13,"end":1192.79,"sentiment":"positive","sentiment_score":0.41492724418640137},{"text":"Alright.","start":1208.385,"end":1208.545,"sentiment":"neutral","sentiment_score":0.15880435705184937},{"text":"Thank you, Sandra.","start":1208.545,"end":1209.3451,"sentiment":"positive","sentiment_score":0.3442023992538452},{"text":"Thank you.","start":1209.3451,"end":1210.0851,"sentiment":"positive","sentiment_score":0.4368930757045746},{"text":"I just got acupuncture in about an hour and a half, and then just chilling the rest of the day.","start":1216.0,"end":1220.9801,"sentiment":"neutral","sentiment_score":0.11555453427135945}],"sentiment":"neutral","sentiment_score":0.18593367428651877,"num_words":28,"start":1192.13,"end":1220.9801},{"sentences":[{"text":"Yeah.","start":1225.3601,"end":1225.68,"sentiment":"neutral","sentiment_score":-0.046352047473192215},{"text":"I mean, the third, as long as I make sure I rest after the first, like, hour or two after that, you generally feel a bit sore from your muscles being a bit aggravated.","start":1225.68,"end":1235.495,"sentiment":"neutral","sentiment_score":-0.04490293480236741},{"text":"But then after that, when they start relaxing, it's generally you do feel pretty good.","start":1235.495,"end":1240.5701,"sentiment":"neutral","sentiment_score":0.1276404892404874},{"text":"Thank you.","start":1257.2051,"end":1261.625,"sentiment":"positive","sentiment_score":0.6790850758552551},{"text":"Talk to you soon.","start":1262.165,"end":1263.145,"sentiment":"neutral","sentiment_score":0.2679540663957596}],"sentiment":"neutral","sentiment_score":0.04949182009191385,"num_words":56,"start":1225.3601,"end":1263.145},{"sentences":[{"text":"Bye.","start":1263.765,"end":1264.265,"sentiment":"positive","sentiment_score":0.4722909927368164}],"sentiment":"positive","sentiment_score":0.4722909927368164,"num_words":1,"start":1263.765,"end":1264.265}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Yanni. This is Dana from OC Financial. How are you this morning?\n\nChannel 1: Hello? I'm very sorry?\n\nChannel 0: It's Dana from OC Financial. How are you this morning?\n\nChannel 1: I'm good. Yourself?\n\nChannel 0: I'm very well. Thank you. Yanni, I had you booked in for a bit of initial consultation this morning. I believe your partner, Sarah, has referred you through for some advice, and you were looking to maybe speak with an adviser. Is that right?\n\nChannel 1: Possibly. Yeah. I can't\n\nChannel 0: Yeah.\n\nChannel 1: pretty much get an understanding of what you sort of will be doing for her and what what was sort of happy to be giving her and, yeah, see if I could possibly see if I'd fall in that sort of category.\n\nChannel 0: Yeah. Absolutely. So just to sort of get a gauge on, you know, where things are for you at the moment, you've never spoken to an adviser or sort of financial advice before? No. That's okay.\n\nSo how we sort of go about doing things is we look at an in-depth scenario of what your goals are. So we look at what your long, medium term, short term goals are. We also look at your full financial circumstances, and then we formulate advice or financial plans to help you meet those goals and track towards meeting them. And those plans are fluid. They alter and change as your goals change, as your life changes, and we keep updating that advice and keep reviewing the advice for you.\n\nSo it's essentially looking at what you're trying to achieve and how we obtain getting to that point, and we provide that financial advice and guidance towards meeting those goals for you. I know you had a conversation with my colleague, Maddie, a few weeks back, and you mentioned that one of the things you were sort of looking for was about maybe reducing some taxation. Can I just get a bit of an understanding of your circumstances at the moment? I believe you claimed TPD. Is that right?\n\nChannel 1: Yeah. Yeah. I've got to be there a while ago. But yeah. And I'm still just going through work cover and trying to find a a return to work at some point.\n\nChannel 0: Okay.\n\nChannel 1: So, yeah, it's just yeah. I'm just sort of trucking along waiting with help from work cover to get some more work and to get some interviews.\n\nChannel 0: Yeah. Okay. No worries at all. Can I ask, you're you mentioned that you're on work cover at the moment? What was the incident occurred?\n\nHow what sorta happened?\n\nChannel 1: I end up having a back surgery. I just had my back.\n\nChannel 0: Yeah.\n\nChannel 1: It's sort of yeah. My back has sort of just given up over there a few years. And,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, it just started wearing and tearing away. So then just got to the point where I couldn't work anymore and I'm just unable to move. So I had to get a back surgery and just go through rehab. And it's taken a few years so far.\n\nChannel 0: Yeah. Oh, I'm so sorry to hear that. And just to confirm, how old are you?\n\nChannel 1: 32.\n\nChannel 0: Oh, well, so young to have back trouble. I'm so sorry that you've gone through that.\n\nChannel 1: What was that? Sorry?\n\nChannel 0: Oh, is it so young to have back problems?\n\nChannel 1: Right? Yeah. Yeah. I don't know. I guess I just sort of became a a workaholic and just kept working through all my injuries.\n\nChannel 0: Yeah. Look. I understand that. Understandable.\n\nChannel 1: Yeah.\n\nChannel 0: So, Yanni, just to sort of gauge, you mentioned that you're on work cover at the moment. Are you still receiving those work cover payments on a regular basis?\n\nChannel 1: Yeah. I'm still receiving it. Yeah.\n\nChannel 0: Okay. And how much are you getting on a weekly or fortnightly basis from work cover?\n\nChannel 1: Taytron, like, 1,400, I think.\n\nChannel 0: Okay. Per fortnight or week?\n\nChannel 1: Weekly.\n\nChannel 0: Per week. Lovely. And do you know are they also putting any contributions into your sleep at the moment?\n\nChannel 1: Yeah. They started putting punctuations in, I think,\n\nChannel 0: They have.\n\nChannel 1: the\n\nChannel 0: Yep.\n\nChannel 1: last\n\nChannel 0: Okay.\n\nChannel 1: year or so.\n\nChannel 0: Yep. No. That's okay. Fantastic. Good to know.\n\nAnd you made mention that you had claimed TPD. Did you claim that through your super, and did you happen to withdraw any of that money, or what was the process that you went through with that?\n\nChannel 1: So I claimed that that my total permanent disability would have been a couple years ago, maybe two years ago.\n\nChannel 0: Yep. Yep.\n\nChannel 1: But, yeah, I didn't pull any extra super oh, so actually, no. Sorry. When I left the industry, they closed my super and paid out my super.\n\nChannel 0: Okay. So it was\n\nChannel 1: Yeah.\n\nChannel 0: withdrawn out. Yeah.\n\nChannel 1: Yeah. So they have they\n\nChannel 0: Okay.\n\nChannel 1: paid it out. They didn't give me an option to take it for some weird reason.\n\nChannel 0: Okay. Oh, what's the first one was that?\n\nChannel 1: CityBus?\n\nChannel 0: Okay. Interesting. And was it that was that an employer's super or something or just\n\nChannel 1: It's just a union super. The u\n\nChannel 0: a union's\n\nChannel 1: the super\n\nChannel 0: super?\n\nChannel 1: that, yeah, we had fresh from when we started. Working union jobs, I think they pretty much preferred everyone that was on a union site to be with Cbus. So\n\nChannel 0: Yeah. Okay. Yeah. Absolutely. Understandable.\n\nAnd so with your super at the moment, do you know roughly what the balance might be, what you have in there?\n\nChannel 1: I can have a look.\n\nChannel 0: Yeah. That's okay if you're not sure.\n\nChannel 1: Sorry. It's just gonna update me up quickly.\n\nChannel 0: That's\n\nChannel 1: I'm\n\nChannel 0: okay.\n\nChannel 1: already\n\nChannel 0: You're\n\nChannel 1: logged in\n\nChannel 0: absolutely\n\nChannel 1: to\n\nChannel 0: you're absolutely fine. Love technology when it wants to work. Hey.\n\nChannel 1: it. Yeah. I know. I looked for an auto update. Alright.\n\nIt's just logging in.\n\nChannel 0: Yeah.\n\nChannel 1: Just gonna\n\nChannel 0: You're\n\nChannel 1: verify\n\nChannel 0: right.\n\nChannel 1: it now. I've logged into this app multiple times right last year, and I start to verify, which is verify every time I log in. It's just weird.\n\nChannel 0: Oh, yeah. Is it like a two factor authentication that you've gotta do?\n\nChannel 1: No. I don't know. It's just the odd it's just odd super. I don't know why. The total I've\n\nChannel 0: Yeah.\n\nChannel 1: got in\n\nChannel 0: Wow.\n\nChannel 1: my super at the moment is 19\n\nChannel 0: Okay. 19,000. And just while you have it open there as well, the regular contributions, you should see the contributions going in. What are they looking like\n\nChannel 1: thousand.\n\nChannel 0: each fortnight or each week from your workers' compensation work cover?\n\nChannel 1: Contributions in. They pay roughly it's very inconsistent.\n\nChannel 0: Yep.\n\nChannel 1: Like, on the April 27, they put 351. Then the May 1, they did 219. The May 11, 219. The May 18, 01/2031. The May 25, 03/2007.\n\nIt's just, yeah, very inconsistent.\n\nChannel 0: Okay. Inconsistent. No. That's okay. And you said those contributions have started going in sort of for the last year roughly?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. That's okay. Beautiful. And so with your work side of things, so you mentioned that you are looking to get more work and have been sort of trying to get interviews and things like that. Is WorkCover sort of helping you to look at getting a new role, or are they sort of liaising that with you to help you try and find work?\n\nChannel 1: They have been recently. At the start, they didn't. They were a bit of pain, but they started recently. So fingers crossed\n\nChannel 0: Yep.\n\nChannel 1: something comes up soon.\n\nChannel 0: Yeah. Absolutely. Absolutely. And have they had any interviews, or how is that kinda going?\n\nChannel 1: I'm currently just waiting for a meet and greet with Chisholm for a trade school teaching job.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: So fingers crossed that that goes through.\n\nChannel 0: Yeah. Lovely. Well, I'll cross everything for you. I think that's fantastic. All good.\n\nThe sort of looking at where we are at the moment, I there's definitely things that we can look at doing to help you advice wise. It's more just for looking at your super and your long term goals at the moment. I'd sort of wanna make sure you get your super up a little bit and possibly look at, you know, whether you're able to obtain a role, maybe starting some work to make sure that our services and the fees we charge for our services are gonna be relevant for you.\n\nChannel 1: Yes.\n\nChannel 0: For now, just continuing to make that the contributions would weigh. What I'd sort of suggest we do is if I maybe get one of the girls to touch base in maybe another sort of four weeks to see how things are going for you, Because as advisers, we do as financial advisers and look at your long term goals, it looks like there's some possibly some big changes in your life coming up with you starting a new role, getting the income back, depending on what happens with work cover as well. Have work cover mentioned anything about a large payout or them stopping the work cover in the next few months or the next couple of years at all? Has that ever been discussed?\n\nChannel 1: Probably stopping in November, but I'm, like between me and my lawyer, we're sorting out I think there's still a few more lump sum payments that are possibly coming through\n\nChannel 0: Okay.\n\nChannel 1: before we finish up. We're not sure\n\nChannel 0: Yep.\n\nChannel 1: if if a settlement or anything will come through with cover, which is yeah. At the moment, his his parents got all the information on that he's working through.\n\nChannel 0: Okay. Yeah. Beautiful. So what I'd probably be thinking you're right. Because you are looking for work and trying to sort of get back into the workforce there, there are some very big changes coming in your life.\n\nSo we wanna sort of see your super balance increase a little bit to be able to look at ways to improve and help that along to meet your long term goals. But then also looking at your changes in your work circumstances, income coming in, and what that looks like for you moving forward as well. So I probably wouldn't be able to provide any advice now, but I would love to stay in contact with you over the next sort of couple of months to see where things change and kinda gauge when we can provide financial advice and help you along. Does that sound okay?\n\nChannel 1: Yeah. Sarah also\n\nChannel 0: Yes?\n\nChannel 1: want me to ask about possibly adding insurances like income protection and death penalty.\n\nChannel 0: Yes. So because you have been having been totally permanently disabled and claimed that there is less there realistically, insurers aren't gonna offer TBD or income protection. There might be an option where you can get default cover through, like, an industry fund like Australian Super or such\n\nChannel 1: Yep.\n\nChannel 0: because those sorts of funds don't don't ask or go through any prequalifying questions when you start the application. The only sort of thing I would be very careful about and if you like, I can obtain some information on whether any of these funds would offer cover or what that might look like. I'm happy to do a bit of general advice, a general research for you to see if anything can be attained from one of the industry funds.\n\nChannel 1: Yeah.\n\nChannel 0: But, realistically, retail funds went off a TPD or disability cover like income protection because you've already been through a claim. The likelihood of you claiming again is definitely higher. And in their eyes, TPD basically means that you're never able to go back to work again. You've been totally, permanently disabled. They sort of see that as, realistically, they're not gonna offer cover again.\n\nBut I'm happy to go back and have a look at some of the industry funds, have a look at what their rules are if you like, and see if\n\nChannel 1: Yes.\n\nChannel 0: any of those would offer cover Because they don't offer they don't ask any prequalifying questions at the time of the application, it's very much easier to get those sorts of covers. However, the thing I'd be very careful about is when you do go to claim on those sorts of insurances, they ask you prequalifying questions and a lot of information about the claims at the time of claim. So there's a risk there that you may have that TBD or income protection within that industry fund, and then you get to the time of claim, and they go, hey. You've already claimed. We're actually not.\n\nYou weren't eligible to have this cover, and we're not gonna pay that cover. So I'd be very wary of the risk around that. But if you like, I can get one of my team to do a little bit of research for you, find out if any of the industry funds would be willing to offer income protection or TBD and what that what they might ask or what the, you know, the risk is at time of claim. Would you like me to follow-up on that for you for the time being?\n\nChannel 1: Yes, please.\n\nChannel 0: Yeah. That's okay. Beautiful. And can I grab I've got your your phone number here? I just need to sorry.\n\nI'm just double checking your email address. Can I grab that off you, Yanny?\n\nChannel 1: Yep. It's s h\n\nChannel 0: S\n\nChannel 1: x r\n\nChannel 0: h.\n\nChannel 1: p\n\nChannel 0: Yep.\n\nChannel 1: a u\n\nChannel 0: Yep.\n\nChannel 1: at gmail dot com.\n\nChannel 0: Beautiful. Lovely. Well, what I'll do is I'll start there, and I'll find some information out for you. Just give you some general information around those insurances, and then we can kinda go from there. Long term wise, I know you are wanting to kinda get back into work and, you know, you know, get back working and there's some income and everything moving forward.\n\nWhen you kinda do get old enough to retire, what age are you realistically wanting to maybe eventually stop work and retire? What's your goal age for that sort of\n\nChannel 1: I don't\n\nChannel 0: thing?\n\nChannel 1: know. It's just where my body if my body would let me go to 90, okay, we can dial to 90. So\n\nChannel 0: Yeah.\n\nChannel 1: realistically, I don't know. My wife's looking for us to both retire at, like, the 50, 60 mark. So\n\nChannel 0: Yeah. Yep. Perfect. 60 mark. Excellent.\n\nI know looking for work and trying to get back into the workforce is one of your sort of medium term goals there. Do you have any other goals that you're hoping to achieve in the next sort of one to two or even five years, or is it more just getting back into work and looking after yourself? What's your sort\n\nChannel 1: Yeah.\n\nChannel 0: of goal\n\nChannel 1: Pretty\n\nChannel 0: situation\n\nChannel 1: much just getting\n\nChannel 0: there?\n\nChannel 1: back into work and looking nice for myself.\n\nChannel 0: Yep. Beautiful. Getting back into work. Beautiful. Excellent.\n\nSo if it's okay, what I'd probably like to do for the moment is just do that research for you, have a look at what your options are with regard to the insurance side of things. In your Australian Super account at the moment, do you have any insurances like T for the income protection, anything like that?\n\nChannel 1: Not that I know of. Not. I think\n\nChannel 0: No. No. That's okay. Not a problem at all. Beautiful.\n\nAnd then if it's okay, I'd love the girls to sort of touch base again\n\nChannel 1: so.\n\nChannel 0: when we can sort of see your super balance increasing a little bit to make it sort of worth looking at other super funds and other options for you. And, also, when you are able to get back to work or when you sort of know what's happening over the course of the next few months there with changes in your circumstances, then I'd love to sort of have another conversation and and really sort of nut down what changes are and, you know, whether any financial advice could help you. Would that be okay? Are you comfortable with that? Or\n\nChannel 1: Yeah.\n\nChannel 0: yeah? Beautiful. I think one of the important things with financial advice is it's important to kinda do it at a certain pace so that it is there to help you. If I was to jump in and do a really big plan now and sort of charge you a fee, I don't see it putting you in a better position, I think, because as advisers, we do charge a fee for our advice for monitoring, looking after everything. And then the advice has to be in your best interest.\n\nSo I think for now, being in best interest for you is just to give you the information that you're after and then sort of keep monitoring your circumstances. And then when things change and allow you know, what things do change and then you get a job and you're back in the workforce and, you know, you're kinda settled in what you're doing, then we could reassess those goals. But I do see financial advice assisting you and being able to support you moving forward. Does that sound okay? Do you have any questions, concerns, or anything that you wanted to ask me at the moment?\n\nOr\n\nChannel 1: No. I think I'm pretty good for now.\n\nChannel 0: that's okay. Do you have any concerns or questions about how the process works, how what financial advisers do, or anything there? Is there anything that's that we've talked about that you wanted to kind of have broken down a bit further? Or\n\nChannel 1: No. I'd like to trash everything. Yeah. I\n\nChannel 0: yeah.\n\nChannel 1: think I've finished\n\nChannel 0: That's\n\nChannel 1: better better on it.\n\nChannel 0: that's okay. That's okay. I'm a big believer in making sure that things aren't done too quickly, that things are done correctly. And as I kinda made mention, we work under the corporations. That's so we have to provide advice on in best interest.\n\nAnd the sorry. Best interest of you is more important than anything else I do. So I have to make sure that your best interest is for first and for front there. So as I mentioned, I do definitely feel like financial advice could provide some great benefit for you down the track. I just think it's, at the moment, with everything you do have going on, just sort of, you know, continuing to look for work and work out over the next few months what's happening to yourself and your personal circumstances.\n\nKeep those contributions going in from work cover there, and we'll reassess your super your super balance and your long term goals when you're able to jump back into the workforce there and you are a bit settled. Does that sound alright?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Yeah. Beautiful. In the meantime, Yanni, I will do a bit of research there for you on the industry funds, have a look at what insurances they may be willing to offer after a TBD claim. Just knowing that it is due to the back. We do kind of blind pre assessment.\n\nThey won't know anything about who you are, what you do, or any personal information. It's all just general. And I'll come back, and I'll be able to send you a bit of an email if you like with a bit of a breakdown. And then we'll make sure we keep in contact with you over the next few months to sort of see when we're able to provide some advice and help you along. Okay?\n\nChannel 1: Option good.\n\nChannel 0: Easy. In the meantime, I'm also gonna send out a copy of our financial services guide for you. It does outline everything about who advisers are, who OPU are, what we do, the services that we can provide, all of our licensing information as well. So I'm a full licensed adviser, and I'm registered with ASIC, and my license number is 1304394. And you can definitely look me up on the website as well if you did wanna do that.\n\nDoes that sound all good?\n\nChannel 1: I'm good.\n\nChannel 0: Beautiful. Look. I've had a pleasure getting to know you. I'm looking forward to working with you down the track there. We'll jump more into what the fees look like around the services and things like that down the track when we're actually able to help provide advice for now.\n\nI'll just do some research that is full complimentary for you. No charges on any of that. It's just me wanting to help you out and get as much information as I can to start you along. And you'll get that email from me, so you'll also have my direct contact. And if you wanna stay in contact with me or have any questions, you're welcome to email me at any time or give me a call.\n\nOkay?\n\nChannel 1: Sounds good. Thank you.\n\nChannel 0: That's okay. All good. Well, look. Thank you so much for your time, Yanni. I really appreciate it.\n\nI'll let Maddie know about our, call this morning, and I'll make sure she touches base probably in about a month or two to sort of see how things are traveling work wise for you. Does that sound alright?\n\nChannel 1: Alright. Thank you, Sandra. Thank you.\n\nChannel 0: Easy. I hope you have a great day. Do you have any plans this day, or you're just chilling?\n\nChannel 1: I just got acupuncture in about an hour and a half, and then just chilling the rest of the day.\n\nChannel 0: Yeah. Does acupuncture make you feel a lot better afterwards? Do you find you're a\n\nChannel 1: Yeah.\n\nChannel 0: bit stiff\n\nChannel 1: I mean,\n\nChannel 0: or\n\nChannel 1: the\n\nChannel 0: sore?\n\nChannel 1: third,\n\nChannel 0: Or\n\nChannel 1: as long as I make sure I rest after the first, like, hour or two after that, you generally feel a bit sore from your muscles being a bit aggravated. But then after that, when they start relaxing, it's generally you do feel pretty good.\n\nChannel 0: Yeah. Okay. All good. Well, I hope you feel good after that. Hopefully, you enjoy your acupuncture, and I hope you have a good restful day.\n\nI'll get stuck into that research there for you, and I'll make sure the team touch base in about a month to see how things are going. Okay?\n\nChannel 1: Thank\n\nChannel 0: Thank you for your time. It's been a pleasure. I'll talk\n\nChannel 1: you.\n\nChannel 0: to you soon.\n\nChannel 1: Talk to you soon.\n\nChannel 0: Thanks,\n\nChannel 1: Bye.\n\nChannel 0: Johnny. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Yanni.","start":2.56,"end":3.28,"sentiment":"neutral","sentiment_score":0.11626926809549332},{"text":"This is Dana from OC Financial.","start":3.28,"end":4.9,"sentiment":"neutral","sentiment_score":0.12358918165167172},{"text":"How are you this morning?","start":5.12,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.15415981709957122}],"sentiment":"neutral","sentiment_score":0.13422097781529793,"channel":0,"num_words":13,"start":2.56,"end":6.3399997},{"sentences":[{"text":"Hello?","start":6.3999996,"end":6.72,"sentiment":"neutral","sentiment_score":0.034131355583667755},{"text":"I'm very sorry?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":-0.02749873387316863}],"sentiment":"neutral","sentiment_score":-0.012091211508959532,"channel":1,"num_words":4,"start":6.3999996,"end":7.54},{"sentences":[{"text":"It's Dana from OC Financial.","start":8.08,"end":9.94,"sentiment":"neutral","sentiment_score":0.12219019383192062},{"text":"How are you this morning?","start":10.16,"end":11.38,"sentiment":"neutral","sentiment_score":0.1441475749015808}],"sentiment":"neutral","sentiment_score":0.13316888436675073,"channel":0,"num_words":10,"start":8.08,"end":11.38},{"sentences":[{"text":"I'm good.","start":11.84,"end":12.4,"sentiment":"positive","sentiment_score":0.47374671697616577},{"text":"Yourself?","start":12.4,"end":12.9,"sentiment":"positive","sentiment_score":0.38234612345695496}],"sentiment":"positive","sentiment_score":0.44327985246976215,"channel":1,"num_words":3,"start":11.84,"end":12.9},{"sentences":[{"text":"I'm very well.","start":13.615,"end":14.495001,"sentiment":"positive","sentiment_score":0.5833889643351237},{"text":"Thank you.","start":14.495001,"end":15.155001,"sentiment":"positive","sentiment_score":0.6468984484672546},{"text":"Yanni, I had you booked in for a bit of initial consultation this morning.","start":15.455,"end":18.895,"sentiment":"neutral","sentiment_score":0.10431553024266448},{"text":"I believe your partner, Sarah, has referred you through for some advice, and you were looking to maybe speak with an adviser.","start":18.895,"end":24.355,"sentiment":"neutral","sentiment_score":0.020905031737956135},{"text":"Is that right?","start":24.415,"end":25.235,"sentiment":"neutral","sentiment_score":-0.0005129836499691015}],"sentiment":"neutral","sentiment_score":0.11278984001414342,"channel":0,"num_words":44,"start":13.615,"end":25.235},{"sentences":[{"text":"Possibly.","start":26.445,"end":26.945,"sentiment":"neutral","sentiment_score":-0.05514656752347946},{"text":"Yeah.","start":27.005001,"end":27.404999,"sentiment":"neutral","sentiment_score":-0.07644142210483551},{"text":"I can't","start":27.404999,"end":28.064999,"sentiment":"neutral","sentiment_score":-0.11495214328169823}],"sentiment":"neutral","sentiment_score":-0.09037306904792786,"channel":1,"num_words":4,"start":26.445,"end":28.064999},{"sentences":[{"text":"Yeah.","start":28.23,"end":28.73,"sentiment":"neutral","sentiment_score":-0.10677684098482132}],"sentiment":"neutral","sentiment_score":-0.10677684098482132,"channel":0,"num_words":1,"start":28.23,"end":28.73},{"sentences":[{"text":"pretty much get an understanding of what you sort of will be doing for her and what what was sort of happy to be giving her and, yeah, see if I could possibly see if I'd fall in that sort of category.","start":29.0,"end":42.454998,"sentiment":"neutral","sentiment_score":-0.12686979344912938}],"sentiment":"neutral","sentiment_score":-0.12686979344912938,"channel":1,"num_words":42,"start":29.0,"end":42.454998},{"sentences":[{"text":"Yeah.","start":43.125,"end":43.445,"sentiment":"neutral","sentiment_score":0.04350581765174866},{"text":"Absolutely.","start":43.445,"end":43.945,"sentiment":"neutral","sentiment_score":0.05639267712831497},{"text":"So just to sort of get a gauge on, you know, where things are for you at the moment, you've never spoken to an adviser or sort of financial advice before?","start":44.645,"end":52.105003,"sentiment":"neutral","sentiment_score":0.0022847722735135786},{"text":"No.","start":54.14,"end":54.38,"sentiment":"neutral","sentiment_score":-0.10470400005578996},{"text":"That's okay.","start":54.38,"end":55.2,"sentiment":"neutral","sentiment_score":-0.011756334453821182}],"sentiment":"neutral","sentiment_score":0.0011808268415431178,"channel":0,"num_words":36,"start":43.125,"end":55.2},{"sentences":[{"text":"So how we sort of go about doing things is we look at an in-depth scenario of what your goals are.","start":55.260002,"end":60.620003,"sentiment":"neutral","sentiment_score":0.057963939294928594},{"text":"So we look at what your long, medium term, short term goals are.","start":60.620003,"end":63.98,"sentiment":"neutral","sentiment_score":0.07054255759486786},{"text":"We also look at your full financial circumstances, and then we formulate advice or financial plans to help you meet those goals and track towards meeting them.","start":63.98,"end":73.885,"sentiment":"neutral","sentiment_score":0.12817825349392714},{"text":"And those plans are fluid.","start":73.885,"end":75.165,"sentiment":"neutral","sentiment_score":0.0759131632745266},{"text":"They alter and change as your goals change, as your life changes, and we keep updating that advice and keep reviewing the advice for you.","start":75.165,"end":82.850006,"sentiment":"neutral","sentiment_score":0.11396368265151978}],"sentiment":"neutral","sentiment_score":0.09696446924091695,"channel":0,"num_words":91,"start":55.260002,"end":82.850006},{"sentences":[{"text":"So it's essentially looking at what you're trying to achieve and how we obtain getting to that point, and we provide that financial advice and guidance towards meeting those goals for you.","start":82.850006,"end":93.03,"sentiment":"neutral","sentiment_score":0.1512094100471586},{"text":"I know you had a conversation with my colleague, Maddie, a few weeks back, and you mentioned that one of the things you were sort of looking for was about maybe reducing some taxation.","start":93.795006,"end":102.055,"sentiment":"neutral","sentiment_score":-0.012947030639385475},{"text":"Can I just get a bit of an understanding of your circumstances at the moment?","start":102.195,"end":105.475006,"sentiment":"neutral","sentiment_score":-0.017606048782666524},{"text":"I believe you claimed TPD.","start":105.475006,"end":107.175,"sentiment":"neutral","sentiment_score":-0.04737339913845062},{"text":"Is that right?","start":107.235,"end":108.055,"sentiment":"neutral","sentiment_score":-0.02764586793879668}],"sentiment":"neutral","sentiment_score":0.04286074998338571,"channel":0,"num_words":89,"start":82.850006,"end":108.055},{"sentences":[{"text":"Yeah.","start":109.55,"end":109.950005,"sentiment":"neutral","sentiment_score":-0.03776057809591293},{"text":"Yeah.","start":109.950005,"end":110.450005,"sentiment":"neutral","sentiment_score":-0.05631675943732262},{"text":"I've got to be there a while ago.","start":110.75,"end":112.53,"sentiment":"neutral","sentiment_score":-0.11795824114233255},{"text":"But yeah.","start":114.11,"end":115.39,"sentiment":"neutral","sentiment_score":-0.11385936662554741},{"text":"And I'm still just going through work cover and trying to find a a return to work at some point.","start":115.39,"end":123.595,"sentiment":"neutral","sentiment_score":-0.1604807134717703}],"sentiment":"neutral","sentiment_score":-0.1398461334174499,"channel":1,"num_words":32,"start":109.55,"end":123.595},{"sentences":[{"text":"Okay.","start":124.755,"end":125.255,"sentiment":"neutral","sentiment_score":-0.02534148469567299}],"sentiment":"neutral","sentiment_score":-0.02534148469567299,"channel":0,"num_words":1,"start":124.755,"end":125.255},{"sentences":[{"text":"So, yeah, it's just yeah.","start":125.975,"end":129.415,"sentiment":"neutral","sentiment_score":-0.02458413876593113},{"text":"I'm just sort of trucking along waiting with help from work cover to get some more work and to get some 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along.","start":644.07495,"end":656.235,"sentiment":"neutral","sentiment_score":0.3011490043173445},{"text":"Does that sound okay?","start":656.235,"end":657.375,"sentiment":"neutral","sentiment_score":0.23194212093949318}],"sentiment":"neutral","sentiment_score":0.30777055114783625,"channel":0,"num_words":108,"start":628.25,"end":657.375},{"sentences":[{"text":"Yeah.","start":658.33,"end":658.83,"sentiment":"neutral","sentiment_score":0.05640501156449318},{"text":"Sarah also","start":659.37,"end":660.17,"sentiment":"neutral","sentiment_score":0.026139039546251297}],"sentiment":"neutral","sentiment_score":0.03622769688566526,"channel":1,"num_words":3,"start":658.33,"end":660.17},{"sentences":[{"text":"Yes?","start":659.81,"end":660.31,"sentiment":"neutral","sentiment_score":0.031068768352270126}],"sentiment":"neutral","sentiment_score":0.031068768352270126,"channel":0,"num_words":1,"start":659.81,"end":660.31},{"sentences":[{"text":"want me to ask about possibly adding insurances like income protection and death penalty.","start":660.17,"end":665.79004,"sentiment":"neutral","sentiment_score":-0.054873302312833924}],"sentiment":"neutral","sentiment_score":-0.054873302312833924,"channel":1,"num_words":14,"start":660.17,"end":665.79004},{"sentences":[{"text":"Yes.","start":666.69,"end":667.17,"sentiment":"neutral","sentiment_score":0.00743464007973671},{"text":"So because you have been having been totally permanently disabled and claimed that there is less there realistically, insurers aren't gonna offer TBD or income protection.","start":667.17,"end":678.885,"sentiment":"neutral","sentiment_score":-0.17750851738338286},{"text":"There might be an option where you can get default cover through, like, an industry fund like Australian Super or such","start":679.585,"end":685.685,"sentiment":"neutral","sentiment_score":0.016595929328884398}],"sentiment":"neutral","sentiment_score":-0.08873483949961762,"channel":0,"num_words":48,"start":666.69,"end":685.685},{"sentences":[{"text":"Yep.","start":686.25,"end":686.75,"sentiment":"neutral","sentiment_score":-0.021483715623617172}],"sentiment":"neutral","sentiment_score":-0.021483715623617172,"channel":1,"num_words":1,"start":686.25,"end":686.75},{"sentences":[{"text":"because those sorts of funds don't don't ask or go through any prequalifying questions when you start the application.","start":686.25,"end":693.63,"sentiment":"neutral","sentiment_score":-0.2768640808368984},{"text":"The only sort of thing I would be very careful about and if you like, I can obtain some information on whether any of these funds would offer cover or what that might look like.","start":694.17004,"end":703.38495,"sentiment":"neutral","sentiment_score":-0.14097401882920946},{"text":"I'm happy to do a bit of general advice, a general research for you to see if anything can be attained from one of the industry funds.","start":703.38495,"end":709.805,"sentiment":"positive","sentiment_score":0.47342468632592094}],"sentiment":"neutral","sentiment_score":0.03195010291205512,"channel":0,"num_words":81,"start":686.25,"end":709.805},{"sentences":[{"text":"Yeah.","start":710.2,"end":710.7,"sentiment":"neutral","sentiment_score":0.04402295500040054}],"sentiment":"neutral","sentiment_score":0.04402295500040054,"channel":1,"num_words":1,"start":710.2,"end":710.7},{"sentences":[{"text":"But, realistically, retail funds went off a TPD or disability cover like income protection because you've already been through a claim.","start":710.345,"end":716.79,"sentiment":"neutral","sentiment_score":-0.15850006771229563},{"text":"The likelihood of you claiming again is definitely higher.","start":716.79,"end":719.69,"sentiment":"negative","sentiment_score":-0.5364406506220499},{"text":"And in their eyes, TPD basically means that you're never able to go back to work again.","start":720.23,"end":724.62994,"sentiment":"neutral","sentiment_score":-0.30138707774526935},{"text":"You've been totally, permanently disabled.","start":724.62994,"end":726.49,"sentiment":"negative","sentiment_score":-0.38851762413978574},{"text":"They sort of see that as, realistically, they're not gonna offer cover again.","start":726.62994,"end":731.365,"sentiment":"negative","sentiment_score":-0.33405720041348386}],"sentiment":"neutral","sentiment_score":-0.30100583577385315,"channel":0,"num_words":65,"start":710.345,"end":731.365},{"sentences":[{"text":"But I'm happy to go back and have a look at some of the industry funds, have a look at what their rules are if you like, and see if","start":732.705,"end":739.025,"sentiment":"neutral","sentiment_score":0.3156023345887661}],"sentiment":"neutral","sentiment_score":0.3156023345887661,"channel":0,"num_words":30,"start":732.705,"end":739.025},{"sentences":[{"text":"Yes.","start":738.87006,"end":739.37006,"sentiment":"neutral","sentiment_score":0.13602203130722046}],"sentiment":"neutral","sentiment_score":0.13602203130722046,"channel":1,"num_words":1,"start":738.87006,"end":739.37006},{"sentences":[{"text":"any of those would offer cover Because they don't offer they don't ask any prequalifying questions at the time of the application, it's very much easier to get those sorts of covers.","start":739.025,"end":750.51996,"sentiment":"neutral","sentiment_score":0.13145323051139712},{"text":"However, the thing I'd be very careful about is when you do go to claim on those sorts of insurances, they ask you prequalifying questions and a lot of information about the claims at the time of claim.","start":750.66,"end":762.115,"sentiment":"neutral","sentiment_score":-0.16267262438410207},{"text":"So there's a risk there that you may have that TBD or income protection within that industry fund, and then you get to the time of claim, and they go, hey.","start":762.115,"end":772.02997,"sentiment":"neutral","sentiment_score":-0.2188487773941409},{"text":"You've already claimed.","start":772.02997,"end":772.91,"sentiment":"neutral","sentiment_score":-0.20230092108249664},{"text":"We're actually not.","start":772.91,"end":773.87,"sentiment":"neutral","sentiment_score":-0.31467026472091675}],"sentiment":"neutral","sentiment_score":-0.09635777576504467,"channel":0,"num_words":107,"start":739.025,"end":773.87},{"sentences":[{"text":"You weren't eligible to have this cover, and we're not gonna pay that cover.","start":773.87,"end":777.06995,"sentiment":"negative","sentiment_score":-0.3363656593220575},{"text":"So I'd be very wary of the risk around that.","start":777.06995,"end":780.05,"sentiment":"negative","sentiment_score":-0.4231407165527344},{"text":"But if you like, I can get one of my team to do a little bit of research for you, find out if any of the industry funds would be willing to offer income protection or TBD and what that what they might ask or what the, you know, the risk is at time of claim.","start":780.50995,"end":795.705,"sentiment":"neutral","sentiment_score":0.0057683982886374},{"text":"Would you like me to follow-up on that for you for the time being?","start":795.705,"end":798.60504,"sentiment":"neutral","sentiment_score":0.06034100215349879}],"sentiment":"neutral","sentiment_score":-0.08268853257152628,"channel":0,"num_words":94,"start":773.87,"end":798.60504},{"sentences":[{"text":"Yes, 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double checking your email address.","start":809.37994,"end":811.94,"sentiment":"neutral","sentiment_score":-0.014637423945324761},{"text":"Can I grab that off you, Yanny?","start":811.94,"end":813.48,"sentiment":"neutral","sentiment_score":0.008446235874933856}],"sentiment":"neutral","sentiment_score":-0.003095594035195453,"channel":0,"num_words":14,"start":809.37994,"end":813.48},{"sentences":[{"text":"Yep.","start":814.03,"end":814.43,"sentiment":"neutral","sentiment_score":0.013255903497338297},{"text":"It's s 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r","start":818.77496,"end":819.415,"sentiment":"neutral","sentiment_score":0.012718467507511377}],"sentiment":"neutral","sentiment_score":0.012718467507511377,"channel":1,"num_words":2,"start":818.77496,"end":819.415},{"sentences":[{"text":"h.","start":819.385,"end":819.885,"sentiment":"neutral","sentiment_score":0.010997245088219644}],"sentiment":"neutral","sentiment_score":0.010997245088219644,"channel":0,"num_words":1,"start":819.385,"end":819.885},{"sentences":[{"text":"p","start":819.415,"end":819.915,"sentiment":"neutral","sentiment_score":0.01092991791665554}],"sentiment":"neutral","sentiment_score":0.01092991791665554,"channel":1,"num_words":1,"start":819.415,"end":819.915},{"sentences":[{"text":"Yep.","start":820.505,"end":821.005,"sentiment":"neutral","sentiment_score":0.014951048418879507}],"sentiment":"neutral","sentiment_score":0.014951048418879507,"channel":0,"num_words":1,"start":820.505,"end":821.005},{"sentences":[{"text":"a u","start":821.65497,"end":822.39496,"sentiment":"neutral","sentiment_score":0.016302186995744705}],"sentiment":"neutral","sentiment_score":0.016302186995744705,"channel":1,"num_words":2,"start":821.65497,"end":822.39496},{"sentences":[{"text":"Yep.","start":822.98505,"end":823.48505,"sentiment":"neutral","sentiment_score":0.016109082847833633}],"sentiment":"neutral","sentiment_score":0.016109082847833633,"channel":0,"num_words":1,"start":822.98505,"end":823.48505},{"sentences":[{"text":"at gmail dot com.","start":824.21497,"end":825.595,"sentiment":"neutral","sentiment_score":0.01721871132031083}],"sentiment":"neutral","sentiment_score":0.01721871132031083,"channel":1,"num_words":4,"start":824.21497,"end":825.595},{"sentences":[{"text":"Beautiful.","start":826.36,"end":826.86,"sentiment":"positive","sentiment_score":0.5590077638626099},{"text":"Lovely.","start":828.27997,"end":828.77997,"sentiment":"positive","sentiment_score":0.5721184015274048},{"text":"Well, what I'll do is I'll start there, and I'll find some information out for you.","start":828.83997,"end":831.87994,"sentiment":"neutral","sentiment_score":0.14301078207790852},{"text":"Just give you some general information around those insurances, and then we can kinda go from there.","start":831.87994,"end":836.93994,"sentiment":"neutral","sentiment_score":0.11976677266990438},{"text":"Long term wise, I know you are wanting to kinda get back into work and, you know, you know, get back working and there's some income and everything moving forward.","start":837.72,"end":846.955,"sentiment":"neutral","sentiment_score":0.08639815424879392}],"sentiment":"neutral","sentiment_score":0.12380428371521143,"channel":0,"num_words":65,"start":826.36,"end":846.955},{"sentences":[{"text":"When you kinda do get old enough to retire, what age are you realistically wanting to maybe eventually stop work and retire?","start":847.575,"end":855.895,"sentiment":"neutral","sentiment_score":0.00692991895431822},{"text":"What's your goal age for that sort of","start":855.895,"end":858.19,"sentiment":"neutral","sentiment_score":-0.01243654964491725}],"sentiment":"neutral","sentiment_score":0.0017655273278554282,"channel":0,"num_words":30,"start":847.575,"end":858.19},{"sentences":[{"text":"I don't","start":861.27997,"end":861.68,"sentiment":"neutral","sentiment_score":-0.015153544954955578}],"sentiment":"neutral","sentiment_score":-0.015153544954955578,"channel":1,"num_words":2,"start":861.27997,"end":861.68},{"sentences":[{"text":"thing?","start":861.45,"end":861.95,"sentiment":"neutral","sentiment_score":-0.010271184146404266}],"sentiment":"neutral","sentiment_score":-0.010271184146404266,"channel":0,"num_words":1,"start":861.45,"end":861.95},{"sentences":[{"text":"know.","start":861.68,"end":861.83997,"sentiment":"neutral","sentiment_score":-0.018353741616010662},{"text":"It's just where my body if my body would let me go to 90, okay, we can dial to 90.","start":861.83997,"end":867.04,"sentiment":"neutral","sentiment_score":0.007091148663312197},{"text":"So","start":867.04,"end":867.54,"sentiment":"neutral","sentiment_score":0.017241094261407852}],"sentiment":"neutral","sentiment_score":0.006395923905074596,"channel":1,"num_words":22,"start":861.68,"end":867.54},{"sentences":[{"text":"Yeah.","start":867.85,"end":868.35,"sentiment":"neutral","sentiment_score":0.021548178046941757}],"sentiment":"neutral","sentiment_score":0.021548178046941757,"channel":0,"num_words":1,"start":867.85,"end":868.35},{"sentences":[{"text":"realistically, I don't know.","start":868.905,"end":871.22504,"sentiment":"neutral","sentiment_score":-0.007754003629088402},{"text":"My wife's looking for us to both retire at, like, the 50, 60 mark.","start":871.22504,"end":875.705,"sentiment":"neutral","sentiment_score":0.01962960375073765},{"text":"So","start":875.705,"end":876.205,"sentiment":"neutral","sentiment_score":0.04786112159490585}],"sentiment":"neutral","sentiment_score":0.015350503136256808,"channel":1,"num_words":19,"start":868.905,"end":876.205},{"sentences":[{"text":"Yeah.","start":876.285,"end":876.785,"sentiment":"neutral","sentiment_score":0.0649297833442688},{"text":"Yep.","start":876.845,"end":877.345,"sentiment":"neutral","sentiment_score":0.10262759029865264},{"text":"Perfect.","start":878.125,"end":878.625,"sentiment":"neutral","sentiment_score":0.22069863975048065},{"text":"60 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that?","start":916.24,"end":922.26,"sentiment":"neutral","sentiment_score":0.013071653390811249}],"sentiment":"neutral","sentiment_score":0.06370940555593577,"channel":0,"num_words":58,"start":906.835,"end":922.26},{"sentences":[{"text":"Not that I know of.","start":923.2,"end":924.08,"sentiment":"neutral","sentiment_score":-0.0984027475118637},{"text":"Not.","start":924.08,"end":924.32,"sentiment":"neutral","sentiment_score":-0.1303841769695282},{"text":"I think","start":924.32,"end":924.675,"sentiment":"neutral","sentiment_score":-0.13579557836055756}],"sentiment":"neutral","sentiment_score":-0.11174863390624523,"channel":1,"num_words":8,"start":923.2,"end":924.675},{"sentences":[{"text":"No.","start":924.815,"end":925.315,"sentiment":"neutral","sentiment_score":-0.19286400079727173},{"text":"No.","start":925.53503,"end":925.775,"sentiment":"neutral","sentiment_score":-0.18930409848690033},{"text":"That's 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again","start":929.295,"end":932.175,"sentiment":"positive","sentiment_score":0.5165865182876587}],"sentiment":"positive","sentiment_score":0.5165865182876587,"channel":0,"num_words":15,"start":929.295,"end":932.175},{"sentences":[{"text":"so.","start":932.115,"end":932.615,"sentiment":"positive","sentiment_score":0.3586243987083435}],"sentiment":"positive","sentiment_score":0.3586243987083435,"channel":1,"num_words":1,"start":932.115,"end":932.615},{"sentences":[{"text":"when we can sort of see your super balance increasing a little bit to make it sort of worth looking at other super funds and other options for you.","start":932.175,"end":939.42,"sentiment":"neutral","sentiment_score":0.2567283855430011},{"text":"And, also, when you are able to get back to work or when you sort of know what's happening over the course of the next few months there with changes in your circumstances, then I'd love to sort of have another conversation and and really sort of nut down what changes are and, you know, whether any financial advice could help you.","start":940.04,"end":955.965,"sentiment":"neutral","sentiment_score":0.15877573264221992},{"text":"Would that be okay?","start":955.965,"end":957.005,"sentiment":"neutral","sentiment_score":0.12306922487914562},{"text":"Are you comfortable with that?","start":957.005,"end":958.365,"sentiment":"neutral","sentiment_score":0.04975939467549324},{"text":"Or","start":958.365,"end":958.865,"sentiment":"neutral","sentiment_score":0.04091816395521164}],"sentiment":"neutral","sentiment_score":0.17892287763776166,"channel":0,"num_words":101,"start":932.175,"end":958.865},{"sentences":[{"text":"Yeah.","start":959.10504,"end":959.60504,"sentiment":"neutral","sentiment_score":0.035186052322387695}],"sentiment":"neutral","sentiment_score":0.035186052322387695,"channel":1,"num_words":1,"start":959.10504,"end":959.60504},{"sentences":[{"text":"yeah?","start":960.205,"end":960.705,"sentiment":"neutral","sentiment_score":0.09991957992315292},{"text":"Beautiful.","start":961.165,"end":961.665,"sentiment":"positive","sentiment_score":0.6126233339309692},{"text":"I think one of the important things with financial advice is it's important to kinda do it at a certain pace so that it is there to help you.","start":961.965,"end":968.43,"sentiment":"neutral","sentiment_score":0.24470779196969394},{"text":"If I was to jump in and do a really big plan now and sort of charge you a fee, I don't see it putting you in a better position, I think, because as advisers, we do charge a fee for our advice for monitoring, looking after everything.","start":968.43,"end":980.93,"sentiment":"neutral","sentiment_score":-0.02443527876554678},{"text":"And then the advice has to be in your best interest.","start":981.855,"end":984.175,"sentiment":"neutral","sentiment_score":0.09088510749014941}],"sentiment":"neutral","sentiment_score":0.08484346314022938,"channel":0,"num_words":90,"start":960.205,"end":984.175},{"sentences":[{"text":"So I think for now, being in best interest for you is just to give you the information that you're after and then sort of keep monitoring your circumstances.","start":984.175,"end":991.795,"sentiment":"neutral","sentiment_score":0.16423915840428452},{"text":"And then when 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soon.","start":1262.165,"end":1263.145,"sentiment":"neutral","sentiment_score":0.2679540663957596}],"sentiment":"neutral","sentiment_score":0.2679540663957596,"channel":1,"num_words":4,"start":1262.165,"end":1263.145},{"sentences":[{"text":"Thanks,","start":1263.485,"end":1263.885,"sentiment":"positive","sentiment_score":0.49271321296691895}],"sentiment":"positive","sentiment_score":0.49271321296691895,"channel":0,"num_words":1,"start":1263.485,"end":1263.885},{"sentences":[{"text":"Bye.","start":1263.765,"end":1264.265,"sentiment":"positive","sentiment_score":0.4722909927368164}],"sentiment":"positive","sentiment_score":0.4722909927368164,"channel":1,"num_words":1,"start":1263.765,"end":1264.265},{"sentences":[{"text":"Johnny.","start":1263.885,"end":1264.285,"sentiment":"neutral","sentiment_score":0.28257015347480774},{"text":"See you later.","start":1264.285,"end":1264.925,"sentiment":"neutral","sentiment_score":0.32162992159525555},{"text":"Bye.","start":1264.925,"end":1265.425,"sentiment":"neutral","sentiment_score":-0.12428545206785202}],"sentiment":"neutral","sentiment_score":0.22463489323854446,"channel":0,"num_words":5,"start":1263.885,"end":1265.425}]},"summary":{"result":"success","short":"Y offline discusses Y offline's financial situation with a financial adviser who constantly updates her financial plan and provides financial advice. They confirm Y offline's work cover and discuss the possibility of obtaining a new job. The agent suggests working with insurance companies and emphasizes the importance of monitoring financial goals and staying in the best interests for the customer. They provide personal information for future reference and advise staying in touch with the speaker and the speaker will follow up with them in a month or two."},"intents":{"segments":[{"text":"Yanni, I had you booked in for a bit of initial consultation this morning. I believe your partner, Sarah, has referred you through for some advice, and you were looking to maybe speak with an adviser. Is that right? Possibly.","start_word":35,"end_word":74,"intents":[{"intent":"Provide advice","confidence_score":0.0183877},{"intent":"Request consultation","confidence_score":0.016522398}]},{"text":"I can't Yeah. pretty much get an understanding of what you sort of will be doing for her and what what was sort of happy to be giving her and, yeah, see if I could possibly see if I'd fall in that sort of category. Yeah.","start_word":76,"end_word":121,"intents":[{"intent":"Understand situation","confidence_score":0.23954524}]},{"text":"I'm just sort of trucking along waiting with help from work cover to get some more work and to get some interviews. Yeah. Okay.","start_word":376,"end_word":399,"intents":[{"intent":"Request more work","confidence_score":0.03715501}]},{"text":"Can I ask, you're you mentioned that you're on work cover at the moment?","start_word":403,"end_word":416,"intents":[{"intent":"Ask about work cover","confidence_score":0.02210628}]},{"text":"What was the incident occurred?","start_word":417,"end_word":421,"intents":[{"intent":"Inquire about incident","confidence_score":0.20639099}]},{"text":"And just to confirm, how old are you? 32.","start_word":513,"end_word":521,"intents":[{"intent":"Confirm age","confidence_score":0.54329693}]},{"text":"So, Yanni, just to sort of gauge, you mentioned that you're on work cover at the moment. Are you still receiving those work cover payments on a regular basis? Yeah.","start_word":582,"end_word":611,"intents":[{"intent":"Confirm work coverage payment status","confidence_score":0.000097004435}]},{"text":"And do you know are they also putting any contributions into your sleep at the moment? Yeah.","start_word":647,"end_word":663,"intents":[{"intent":"Inquire about contribution for work","confidence_score":0.000046621433}]},{"text":"And was it that was that an employer's super or something or just It's just a union super.","start_word":815,"end_word":832,"intents":[{"intent":"Clarify purpose of call","confidence_score":0.00003879364}]},{"text":"The only sort of thing I would be very careful about and if you like, I can obtain some information on whether any of these funds would offer cover or what that might look like.","start_word":1798,"end_word":1832,"intents":[{"intent":"Guide funders tpd coverage","confidence_score":7.2908614e-7}]},{"text":"Well, what I'll do is I'll start there, and I'll find some information out for you. Just give you some general information around those insurances, and then we can kinda go from there.","start_word":2213,"end_word":2245,"intents":[{"intent":"Get information","confidence_score":0.13683291},{"intent":"Find information","confidence_score":0.23451133},{"intent":"Start the process","confidence_score":0.0034733247}]},{"text":"When you kinda do get old enough to retire, what age are you realistically wanting to maybe eventually stop work and retire?","start_word":2276,"end_word":2297,"intents":[{"intent":"Reach retirement age","confidence_score":0.01820291}]},{"text":"When you kinda do get old enough to retire, what age are you realistically wanting to maybe eventually stop work and retire? What's your goal age for that sort of I don't thing? know.","start_word":2276,"end_word":2309,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.0034691268}]},{"text":"What's your goal age for that sort of I don't thing? know.","start_word":2298,"end_word":2309,"intents":[{"intent":"Determine goal age","confidence_score":0.18783611},{"intent":"Determine goal age","confidence_score":0.3168309}]},{"text":"So if it's okay, what I'd probably like to do for the moment is just do that research for you, have a look at what your options are with regard to the insurance side of things.","start_word":2444,"end_word":2479,"intents":[{"intent":"Research insurance options","confidence_score":0.23130596}]},{"text":"when we can sort of see your super balance increasing a little bit to make it sort of worth looking at other super funds and other options for you.","start_word":2536,"end_word":2564,"intents":[{"intent":"Discuss super balance","confidence_score":0.033154953}]},{"text":"So I think for now, being in best interest for you is just to give you the information that you're after and then sort of keep monitoring your circumstances.","start_word":2728,"end_word":2756,"intents":[{"intent":"Provide information","confidence_score":0.07264466}]},{"text":"But I do see financial advice assisting you and being able to support you moving forward. Does that sound okay?","start_word":2798,"end_word":2817,"intents":[{"intent":"Discuss financial advice","confidence_score":0.48989025}]},{"text":"Do you have any questions, concerns, or anything that you wanted to ask me at the moment? Or No.","start_word":2818,"end_word":2836,"intents":[{"intent":"Discuss concerns","confidence_score":0.038643673}]},{"text":"Do you have any questions, concerns, or anything that you wanted to ask me at the moment? Or No. I think I'm pretty good for now. that's okay. Do you have any concerns or questions about how the process works, how what financial advisers do, or anything there? Is there anything that's that we've talked about that you wanted to kind of have broken down a bit further? Or No.","start_word":2818,"end_word":2887,"intents":[{"intent":"Address concerns","confidence_score":0.15021521}]},{"text":"Do you have any concerns or questions about how the process works, how what financial advisers do, or anything there?","start_word":2846,"end_word":2865,"intents":[{"intent":"Discuss financial advisers","confidence_score":0.21598232},{"intent":"Discuss specific topics","confidence_score":0.0008695041},{"intent":"Discuss financial advisers","confidence_score":0.026942043}]},{"text":"That's so we have to provide advice on in best interest. And the sorry.","start_word":2937,"end_word":2950,"intents":[{"intent":"Provide advice and advice","confidence_score":0.055680986},{"intent":"Provide information and advice","confidence_score":0.0036236322},{"intent":"Provide advice and guidance","confidence_score":0.005214076}]},{"text":"Keep those contributions going in from work cover there, and we'll reassess your super your super balance and your long term goals when you're able to jump back into the workforce there and you are a bit settled. Does that sound alright?","start_word":3041,"end_word":3082,"intents":[{"intent":"Reassess portfolio","confidence_score":0.014719785}]},{"text":"And I'll come back, and I'll be able to send you a bit of an email if you like with a bit of a breakdown. And then we'll make sure we keep in contact with you over the next few months to sort of see when we're able to provide some advice and help you along. Okay? Option good.","start_word":3157,"end_word":3215,"intents":[{"intent":"Send email","confidence_score":0.16687979}]},{"text":"Thank you so much for your time, Yanni. I really appreciate it. I'll let Maddie know about our, call this morning, and I'll make sure she touches base probably in about a month or two to sort of see how things are traveling work wise for you. Does that sound alright? Alright.","start_word":3441,"end_word":3492,"intents":[{"intent":"Inform about appointment","confidence_score":0.016641002}]}]},"sentiments":{"segments":[{"text":"Hi, Yanni. This is Dana from OC Financial. How are you this morning? Hello? I'm very sorry? It's Dana from OC Financial. How are you this morning?","start_word":0,"end_word":26,"sentiment":"neutral","sentiment_score":0.10574944317340852},{"text":"I'm good. Yourself? I'm very well. Thank you.","start_word":27,"end_word":34,"sentiment":"positive","sentiment_score":0.5236291289329529},{"text":"Yanni, I had you booked in for a bit of initial consultation this morning. I believe your partner, Sarah, has referred you through for some advice, and you were looking to maybe speak with an adviser. Is that right? Possibly. Yeah. I can't Yeah. pretty much get an understanding of what you sort of will be doing for her and what what was sort of happy to be giving her and, yeah, see if I could possibly see if I'd fall in that sort of category. Yeah. Absolutely. So just to sort of get a gauge on, you know, where things are for you at the moment, you've never spoken to an adviser or sort of financial advice before? No. That's okay. So how we sort of go about doing things is we look at an in-depth scenario of what your goals are. So we look at what your long, medium term, short term goals are. We also look at your full financial circumstances, and then we formulate advice or financial plans to help you meet those goals and track towards meeting them. And those plans are fluid. They alter and change as your goals change, as your life changes, and we keep updating that advice and keep reviewing the advice for you. So it's essentially looking at what you're trying to achieve and how we obtain getting to that point, and we provide that financial advice and guidance towards meeting those goals for you. I know you had a conversation with my colleague, Maddie, a few weeks back, and you mentioned that one of the things you were sort of looking for was about maybe reducing some taxation. Can I just get a bit of an understanding of your circumstances at the moment? I believe you claimed TPD. Is that right? Yeah. Yeah. I've got to be there a while ago. But yeah. And I'm still just going through work cover and trying to find a a return to work at some point. Okay. So, yeah, it's just yeah. I'm just sort of trucking along waiting with help from work cover to get some more work and to get some interviews. Yeah. Okay. No worries at all. Can I ask, you're you mentioned that you're on work cover at the moment? What was the incident occurred? How what sorta happened? I end up having a back surgery. I just had my back. Yeah. It's sort of yeah. My back has sort of just given up over there a few years. And, Yeah. yeah, it just started wearing and tearing away. So then just got to the point where I couldn't work anymore and I'm just unable to move. So I had to get a back surgery and just go through rehab. And it's taken a few years so far. Yeah. Oh, I'm so sorry to hear that. And just to confirm, how old are you? 32. Oh, well, so young to have back trouble. I'm so sorry that you've gone through that. What was that? Sorry? Oh, is it so young to have back problems? Right? Yeah. Yeah. I don't know. I guess I just sort of became a a workaholic and just kept working through all my injuries. Yeah. Look. I understand that. Understandable. Yeah. So, Yanni, just to sort of gauge, you mentioned that you're on work cover at the moment. Are you still receiving those work cover payments on a regular basis? Yeah. I'm still receiving it. Yeah. Okay. And how much are you getting on a weekly or fortnightly basis from work cover? Taytron, like, 1,400, I think. Okay. Per fortnight or week? Weekly. Per week. Lovely. And do you know are they also putting any contributions into your sleep at the moment? Yeah. They started putting punctuations in, I think, They have. the Yep. last Okay. year or so. Yep. No. That's okay.","start_word":35,"end_word":683,"sentiment":"neutral","sentiment_score":-0.037514066831632095},{"text":"Fantastic. Good to know.","start_word":684,"end_word":687,"sentiment":"positive","sentiment_score":0.5334784984588623},{"text":"And you made mention that you had claimed TPD. Did you claim that through your super, and did you happen to withdraw any of that money, or what was the process that you went through with that? So I claimed that that my total permanent disability would have been a couple years ago, maybe two years ago. Yep. Yep. But, yeah, I didn't pull any extra super oh, so actually, no. Sorry. When I left the industry, they closed my super and paid out my super. Okay. So it was Yeah. withdrawn out. Yeah. Yeah. So they have they Okay. paid it out. They didn't give me an option to take it for some weird reason. Okay. Oh, what's the first one was that? CityBus? Okay. Interesting. And was it that was that an employer's super or something or just It's just a union super. The u a union's the super super? that, yeah, we had fresh from when we started. Working union jobs, I think they pretty much preferred everyone that was on a union site to be with Cbus. So Yeah. Okay. Yeah. Absolutely. Understandable. And so with your super at the moment, do you know roughly what the balance might be, what you have in there? I can have a look. Yeah. That's okay if you're not sure. Sorry. It's just gonna update me up quickly. That's I'm okay. already You're logged in absolutely to you're absolutely fine.","start_word":688,"end_word":928,"sentiment":"neutral","sentiment_score":-0.017132199187743714},{"text":"Love technology when it wants to work.","start_word":929,"end_word":935,"sentiment":"positive","sentiment_score":0.42652785778045654},{"text":"Hey. it. Yeah. I know. I looked for an auto update. Alright. It's just logging in. Yeah. Just gonna You're verify right. it now. I've logged into this app multiple times right last year, and I start to verify, which is verify every time I log in. It's just weird. Oh, yeah. Is it like a two factor authentication that you've gotta do? No. I don't know. It's just the odd it's just odd super. I don't know why. The total I've Yeah. got in Wow. my super at the moment is 19 Okay. 19,000. And just while you have it open there as well, the regular contributions, you should see the contributions going in. What are they looking like thousand. each fortnight or each week from your workers' compensation work cover? Contributions in.","start_word":936,"end_word":1069,"sentiment":"neutral","sentiment_score":-0.03686478197463413},{"text":"They pay roughly it's very inconsistent.","start_word":1070,"end_word":1075,"sentiment":"negative","sentiment_score":-0.525213897228241},{"text":"Yep. Like, on the April 27, they put 351. Then the May 1, they did 219. The May 11, 219. The May 18, 01/2031. The May 25, 03/2007. It's just, yeah, very inconsistent. Okay. Inconsistent. No. That's okay. And you said those contributions have started going in sort of for the last year roughly? Yeah. Yep.","start_word":1076,"end_word":1131,"sentiment":"neutral","sentiment_score":-0.07290832698345184},{"text":"That's okay. Beautiful.","start_word":1132,"end_word":1134,"sentiment":"positive","sentiment_score":0.4385077953338623},{"text":"And so with your work side of things, so you mentioned that you are looking to get more work and have been sort of trying to get interviews and things like that. Is WorkCover sort of helping you to look at getting a new role, or are they sort of liaising that with you to help you try and find work? They have been recently. At the start, they didn't. They were a bit of pain, but they started recently. So fingers crossed Yep. something comes up soon. Yeah. Absolutely. Absolutely. And have they had any interviews, or how is that kinda going? I'm currently just waiting for a meet and greet with Chisholm for a trade school teaching job.","start_word":1135,"end_word":1254,"sentiment":"neutral","sentiment_score":0.07563833892345428},{"text":"Oh, fantastic.","start_word":1255,"end_word":1256,"sentiment":"positive","sentiment_score":0.513251543045044},{"text":"So fingers crossed that that goes through. Yeah.","start_word":1257,"end_word":1264,"sentiment":"neutral","sentiment_score":0.3215835988521576},{"text":"Lovely. Well, I'll cross everything for you. I think that's fantastic. All good.","start_word":1265,"end_word":1277,"sentiment":"positive","sentiment_score":0.5712379217147827},{"text":"The sort of looking at where we are at the moment, I there's definitely things that we can look at doing to help you advice wise. It's more just for looking at your super and your long term goals at the moment. I'd sort of wanna make sure you get your super up a little bit and possibly look at, you know, whether you're able to obtain a role, maybe starting some work to make sure that our services and the fees we charge for our services are gonna be relevant for you. Yes. For now, just continuing to make that the contributions would weigh. What I'd sort of suggest we do is if I maybe get one of the girls to touch base in maybe another sort of four weeks to see how things are going for you, Because as advisers, we do as financial advisers and look at your long term goals, it looks like there's some possibly some big changes in your life coming up with you starting a new role, getting the income back, depending on what happens with work cover as well. Have work cover mentioned anything about a large payout or them stopping the work cover in the next few months or the next couple of years at all? Has that ever been discussed? Probably stopping in November, but I'm, like between me and my lawyer, we're sorting out I think there's still a few more lump sum payments that are possibly coming through Okay. before we finish up. We're not sure Yep. if if a settlement or anything will come through with cover, which is yeah. At the moment, his his parents got all the information on that he's working through. Okay. Yeah.","start_word":1278,"end_word":1567,"sentiment":"neutral","sentiment_score":0.06184298410240946},{"text":"Beautiful.","start_word":1568,"end_word":1568,"sentiment":"positive","sentiment_score":0.5456912517547607},{"text":"So what I'd probably be thinking you're right. Because you are looking for work and trying to sort of get back into the workforce there, there are some very big changes coming in your life.","start_word":1569,"end_word":1603,"sentiment":"neutral","sentiment_score":0.18356412649154663},{"text":"So we wanna sort of see your super balance increase a little bit to be able to look at ways to improve and help that along to meet your long term goals.","start_word":1604,"end_word":1635,"sentiment":"positive","sentiment_score":0.4347655475139618},{"text":"But then also looking at your changes in your work circumstances, income coming in, and what that looks like for you moving forward as well. So I probably wouldn't be able to provide any advice now, but I would love to stay in contact with you over the next sort of couple of months to see where things change and kinda gauge when we can provide financial advice and help you along. Does that sound okay? Yeah. Sarah also Yes? want me to ask about possibly adding insurances like income protection and death penalty. Yes. So because you have been having been totally permanently disabled and claimed that there is less there realistically, insurers aren't gonna offer TBD or income protection. There might be an option where you can get default cover through, like, an industry fund like Australian Super or such because Yep. those sorts of funds don't don't ask or go through any prequalifying questions when you start the application. The only sort of thing I would be very careful about and if you like, I can obtain some information on whether any of these funds would offer cover or what that might look like.","start_word":1636,"end_word":1832,"sentiment":"neutral","sentiment_score":0.006785181724480566},{"text":"I'm happy to do a bit of general advice, a general research for you to see if anything can be attained from one of the industry funds.","start_word":1833,"end_word":1859,"sentiment":"positive","sentiment_score":0.4641151428222656},{"text":"Yeah. But, realistically, retail funds went off a TPD or disability cover like income protection because you've already been through a claim.","start_word":1860,"end_word":1881,"sentiment":"neutral","sentiment_score":-0.13694655895233154},{"text":"The likelihood of you claiming again is definitely higher.","start_word":1882,"end_word":1890,"sentiment":"negative","sentiment_score":-0.523400068283081},{"text":"And in their eyes, TPD basically means that you're never able to go back to work again.","start_word":1891,"end_word":1907,"sentiment":"neutral","sentiment_score":-0.29567277431488037},{"text":"You've been totally, permanently disabled.","start_word":1908,"end_word":1912,"sentiment":"negative","sentiment_score":-0.3862128257751465},{"text":"They sort of see that as, realistically, they're not gonna offer cover again. But I'm happy to go back and have a look at some of the industry funds, have a look at what their rules are if you like, and see if Yes. any of those would offer cover Because they don't offer they don't ask any prequalifying questions at the time of the application, it's very much easier to get those sorts of covers. However, the thing I'd be very careful about is when you do go to claim on those sorts of insurances, they ask you prequalifying questions and a lot of information about the claims at the time of claim. So there's a risk there that you may have that TBD or income protection within that industry fund, and then you get to the time of claim, and they go, hey. You've already claimed. We're actually not.","start_word":1913,"end_word":2063,"sentiment":"neutral","sentiment_score":-0.041708823293447495},{"text":"You weren't eligible to have this cover, and we're not gonna pay that cover. So I'd be very wary of the risk around that.","start_word":2064,"end_word":2087,"sentiment":"negative","sentiment_score":-0.37074095010757446},{"text":"But if you like, I can get one of my team to do a little bit of research for you, find out if any of the industry funds would be willing to offer income protection or TBD and what that what they might ask or what the, you know, the risk is at time of claim. Would you like me to follow-up on that for you for the time being? Yes, please. Yeah.","start_word":2088,"end_word":2160,"sentiment":"neutral","sentiment_score":0.020190259492764737},{"text":"That's okay. Beautiful.","start_word":2161,"end_word":2163,"sentiment":"positive","sentiment_score":0.4309307634830475},{"text":"And can I grab I've got your your phone number here? I just need to sorry. I'm just double checking your email address. Can I grab that off you, Yanny? Yep. It's s h S x r h. p Yep. a u Yep. at gmail dot com.","start_word":2164,"end_word":2210,"sentiment":"neutral","sentiment_score":0.02141592465341091},{"text":"Beautiful. Lovely.","start_word":2211,"end_word":2212,"sentiment":"positive","sentiment_score":0.5655630826950073},{"text":"Well, what I'll do is I'll start there, and I'll find some information out for you. Just give you some general information around those insurances, and then we can kinda go from there. Long term wise, I know you are wanting to kinda get back into work and, you know, you know, get back working and there's some income and everything moving forward. When you kinda do get old enough to retire, what age are you realistically wanting to maybe eventually stop work and retire? What's your goal age for that sort of I don't thing? know. It's just where my body if my body would let me go to 90, okay, we can dial to 90. So Yeah. realistically, I don't know. My wife's looking for us to both retire at, like, the 50, 60 mark. So Yeah. Yep. Perfect. 60 mark. Excellent. I know looking for work and trying to get back into the workforce is one of your sort of medium term goals there. Do you have any other goals that you're hoping to achieve in the next sort of one to two or even five years, or is it more just getting back into work and looking after yourself? What's your sort Yeah. of goal Pretty situation much just getting there? back into work and looking nice for myself. Yep.","start_word":2213,"end_word":2436,"sentiment":"neutral","sentiment_score":0.0643274113535881},{"text":"Beautiful.","start_word":2437,"end_word":2437,"sentiment":"positive","sentiment_score":0.35625433921813965},{"text":"Getting back into work.","start_word":2438,"end_word":2441,"sentiment":"neutral","sentiment_score":0.24190831184387207},{"text":"Beautiful. Excellent.","start_word":2442,"end_word":2443,"sentiment":"positive","sentiment_score":0.4031882882118225},{"text":"So if it's okay, what I'd probably like to do for the moment is just do that research for you, have a look at what your options are with regard to the insurance side of things. In your Australian Super account at the moment, do you have any insurances like T for the income protection, anything like that? Not that I know of. Not. I think No. No. That's okay.","start_word":2444,"end_word":2513,"sentiment":"neutral","sentiment_score":0.024029824882745743},{"text":"Not a problem at all. Beautiful. And then if it's okay, I'd love the girls to sort of touch base again so.","start_word":2514,"end_word":2535,"sentiment":"positive","sentiment_score":0.4968379139900207},{"text":"when we can sort of see your super balance increasing a little bit to make it sort of worth looking at other super funds and other options for you. And, also, when you are able to get back to work or when you sort of know what's happening over the course of the next few months there with changes in your circumstances, then I'd love to sort of have another conversation and and really sort of nut down what changes are and, you know, whether any financial advice could help you. Would that be okay? Are you comfortable with that? Or Yeah. yeah?","start_word":2536,"end_word":2638,"sentiment":"neutral","sentiment_score":0.17185288667678833},{"text":"Beautiful.","start_word":2639,"end_word":2639,"sentiment":"positive","sentiment_score":0.6126233339309692},{"text":"I think one of the important things with financial advice is it's important to kinda do it at a certain pace so that it is there to help you. If I was to jump in and do a really big plan now and sort of charge you a fee, I don't see it putting you in a better position, I think, because as advisers, we do charge a fee for our advice for monitoring, looking after everything. And then the advice has to be in your best interest. So I think for now, being in best interest for you is just to give you the information that you're after and then sort of keep monitoring your circumstances. And then when things change and allow you know, what things do change and then you get a job and you're back in the workforce and, you know, you're kinda settled in what you're doing, then we could reassess those goals.","start_word":2640,"end_word":2797,"sentiment":"neutral","sentiment_score":0.10399287939071657},{"text":"But I do see financial advice assisting you and being able to support you moving forward.","start_word":2798,"end_word":2813,"sentiment":"positive","sentiment_score":0.3931399881839752},{"text":"Does that sound okay? Do you have any questions, concerns, or anything that you wanted to ask me at the moment? Or No. I think I'm pretty good for now. that's okay. Do you have any concerns or questions about how the process works, how what financial advisers do, or anything there? Is there anything that's that we've talked about that you wanted to kind of have broken down a bit further?","start_word":2814,"end_word":2885,"sentiment":"neutral","sentiment_score":0.024807777255773544},{"text":"Or No. I'd like to trash everything.","start_word":2886,"end_word":2892,"sentiment":"negative","sentiment_score":-0.4297613799571991},{"text":"Yeah. I yeah. think I've finished That's better better on it. that's okay. That's okay.","start_word":2893,"end_word":2907,"sentiment":"neutral","sentiment_score":0.1010144181549549},{"text":"I'm a big believer in making sure that things aren't done too quickly, that things are done correctly.","start_word":2908,"end_word":2925,"sentiment":"positive","sentiment_score":0.4381161034107208},{"text":"And as I kinda made mention, we work under the corporations. That's so we have to provide advice on in best interest. And the sorry. Best interest of you is more important than anything else I do. So I have to make sure that your best interest is for first and for front there.","start_word":2926,"end_word":2979,"sentiment":"neutral","sentiment_score":0.10251586884260178},{"text":"So as I mentioned, I do definitely feel like financial advice could provide some great benefit for you down the track.","start_word":2980,"end_word":3000,"sentiment":"positive","sentiment_score":0.574128270149231},{"text":"I just think it's, at the moment, with everything you do have going on, just sort of, you know, continuing to look for work and work out over the next few months what's happening to yourself and your personal circumstances. Keep those contributions going in from work cover there, and we'll reassess your super your super balance and your long term goals when you're able to jump back into the workforce there and you are a bit settled. Does that sound alright? Yep.","start_word":3001,"end_word":3083,"sentiment":"neutral","sentiment_score":0.20297183096408844},{"text":"Sounds good. Yeah. Beautiful.","start_word":3084,"end_word":3087,"sentiment":"positive","sentiment_score":0.4451014101505279},{"text":"In the meantime, Yanni, I will do a bit of research there for you on the industry funds, have a look at what insurances they may be willing to offer after a TBD claim. Just knowing that it is due to the back. We do kind of blind pre assessment. They won't know anything about who you are, what you do, or any personal information. It's all just general. And I'll come back, and I'll be able to send you a bit of an email if you like with a bit of a breakdown. And then we'll make sure we keep in contact with you over the next few months to sort of see when we're able to provide some advice and help you along. Okay? Option good. Easy. In the meantime, I'm also gonna send out a copy of our financial services guide for you. It does outline everything about who advisers are, who OPU are, what we do, the services that we can provide, all of our licensing information as well. So I'm a full licensed adviser, and I'm registered with ASIC, and my license number is 1304394. And you can definitely look me up on the website as well if you did wanna do that. Does that sound all good?","start_word":3088,"end_word":3300,"sentiment":"neutral","sentiment_score":0.13408107356006552},{"text":"I'm good. Beautiful. Look. I've had a pleasure getting to know you. I'm looking forward to working with you down the track there.","start_word":3301,"end_word":3323,"sentiment":"positive","sentiment_score":0.702572226524353},{"text":"We'll jump more into what the fees look like around the services and things like that down the track when we're actually able to help provide advice for now. I'll just do some research that is full complimentary for you. No charges on any of that.","start_word":3324,"end_word":3369,"sentiment":"neutral","sentiment_score":0.2911630868911743},{"text":"It's just me wanting to help you out and get as much information as I can to start you along.","start_word":3370,"end_word":3389,"sentiment":"positive","sentiment_score":0.3380720317363739},{"text":"And you'll get that email from me, so you'll also have my direct contact. And if you wanna stay in contact with me or have any questions, you're welcome to email me at any time or give me a call. Okay?","start_word":3390,"end_word":3430,"sentiment":"neutral","sentiment_score":0.16976793110370636},{"text":"Sounds good. Thank you.","start_word":3431,"end_word":3434,"sentiment":"positive","sentiment_score":0.3789296150207519},{"text":"That's okay. All good. Well, look.","start_word":3435,"end_word":3440,"sentiment":"neutral","sentiment_score":0.2714065909385681},{"text":"Thank you so much for your time, Yanni. I really appreciate it.","start_word":3441,"end_word":3452,"sentiment":"positive","sentiment_score":0.5881063342094421},{"text":"I'll let Maddie know about our, call this morning, and I'll make sure she touches base probably in about a month or two to sort of see how things are traveling work wise for you. Does that sound alright? Alright.","start_word":3453,"end_word":3492,"sentiment":"neutral","sentiment_score":0.2537681460380554},{"text":"Thank you, Sandra. Thank you. Easy. I hope you have a great day.","start_word":3493,"end_word":3505,"sentiment":"positive","sentiment_score":0.4348181188106537},{"text":"Do you have any plans this day, or you're just chilling? I just got acupuncture in about an hour and a half, and then just chilling the rest of the day. Yeah. Does acupuncture make you feel a lot better afterwards? Do you find you're a Yeah. bit stiff I mean, or the sore? third, Or as long as I make sure I rest after the first, like, hour or two after that, you generally feel a bit sore from your muscles being a bit aggravated. But then after that, when they start relaxing, it's generally you do feel pretty good. Yeah. Okay. All good. Well, I hope you feel good after that.","start_word":3506,"end_word":3618,"sentiment":"neutral","sentiment_score":0.06003625690937042},{"text":"Hopefully, you enjoy your acupuncture, and I hope you have a good restful day. I'll get stuck into that research there for you, and I'll make sure the team touch base in about a month to see how things are going.","start_word":3619,"end_word":3659,"sentiment":"positive","sentiment_score":0.5809396505355835},{"text":"Okay?","start_word":3660,"end_word":3660,"sentiment":"neutral","sentiment_score":0.3174518048763275},{"text":"Thank Thank you for your time. It's been a pleasure. I'll talk you.","start_word":3661,"end_word":3673,"sentiment":"positive","sentiment_score":0.762382984161377},{"text":"to you soon. Talk to you soon.","start_word":3674,"end_word":3680,"sentiment":"neutral","sentiment_score":0.29321691393852234},{"text":"Thanks, Bye.","start_word":3681,"end_word":3682,"sentiment":"positive","sentiment_score":0.48045989871025085},{"text":"Johnny. See you later. Bye.","start_word":3683,"end_word":3687,"sentiment":"neutral","sentiment_score":0.2653144598007202}],"average":{"sentiment":"neutral","sentiment_score":0.07517440012999708}}}}