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Yeah. Yeah. That's just what we woke up to. No. What is it with Victoria going up and down to why does Victoria go between summer and winter on a weekly basis? It's very strange. Look. When I went up there for my thirtieth in Melbourne, we arrived in jumpers and factory pants, and then two days later, board shorts at the beach. And I was just like, this is the strangest thing. I've got you for a quick catch up for your quarterly review, and I've emailed you through a bit of a performance update. Do you mind if I just quickly check the security with you just for your information? Amazing. It's it's very important that I do I know it is you, but if you could please just confirm your date of birth and address for me. Perfect. Perfect. Perfect. Now with the Hub twenty four Super, we got you across from Host Plus, and you went through got the insurances sorted. It's all been consolidated a few months ago. Now do you usually log in to the Hub to keep an eye on it, or is it more wait for our catch ups? Yes. Yeah. Right. Yeah. Yep. I I can see it coming in weekly, and they did a couple of catch ups. So whatever was kind of owing, there was a couple of double payments that went in there, but you're getting white horses coming in, the Ravi is coming in. Everything's kind of flowing in quite nicely. Oh, who got a bad reputation for something? Oakview. Oh. Yeah. Right. Well, I will have a look. Yeah. Absolutely. I'll I'll have a little hunt around on the AFR. And, no. Normally, we've got pretty good pretty good reviews and reputation in the industry. So I don't know if it's like a hub thing because of what happened with the shield master trust and all that kind of stuff or what's going on. But I'll I'll I'll have a hunt around the news. There's definitely been a lot of talk in May about conditions that the government's supplying to all the different super funds, especially the ones who, you know, like Macquarie was allowing those investments that came on that everyone lost their money with and all that kind of thing. Yeah. No. I haven't seen anything, but I will hunt around and have a look. So if you do have the article, look it through. That'd be awesome. Yep. The old paywall. Yeah. No. Fair enough. Fair enough. Well, I do have some good news for you. The quarterly report looks absolutely fantastic. So when I was having a little lookie today, we've had I was just doing comparison because whenever you do your first year with us, I like to at least check the super fund that you're with previously if we did recommend to move just to make sure it's still doing better. And because we pretty much recommend anybody in the industry depending on who suits. I think host plus jumped up about 1% in the last three So about 13,000 in growth in this quarterly report, and your contribution is flowing in nicely. Everything's jumped up well above 200,000 now. So it's been a pretty good quarter. Fair. Yeah. And look, it can be a bit reassuring too. That's why I like doing the quarterly catch ups just to say, hey. Like, you've taken the leap. You've paid thousands of dollars in fees. You've gone through this whole process with us. How's it actually going? And that's why I love these quarterly catch ups just to sort of explain the ins and outs of what's going on. Don't have to go too technical with it, but there's a few things I definitely wanna point out to you today just so you've got the right expectations as well. Cool. Now in the report that I sent you so whenever I send you these reports, there's always two pages. The first one is this big fancy table that's got all your investment options on there. And that way, I can do a full breakdown of how each one is good. So, you know, how's gold doing? How's the shares doing? How's the property doing? That kind of thing. Does that make sense? Yep. Second page is always how your overall super is doing when you put all of it together. So that's kind of the way to read it is here's all my little options and what they're invested in. Second one is how's my super done? Now with the options that you've got, pretty much because we've got you in a high growth portfolio, it's kind of behaving exactly as I would expect it to in terms of going up and down like crazy every week, every month. Because that's that high growth approach. Right? You've got all your money Right. And they have a little bit of a cost to ride. You've had, for example, after Christmas, gold went back down from its huge high, so that dropped about 11%. But then you've got some cybersecurity shares that jumped up 46%, Japan going up, Europe going up, all that kind of thing. So when I look at it, every little piece in the cog is kind of playing its part as I would expect. Now just bear in mind what that means is because the world is still very uncertain for the next six months at least, I am expecting it to jump up and down quite a bit. Now what that basically means is you could see if things go extreme, you could go from 202,000 down to a hundred and 85,000 and then be back up to 230,000 three months later. That's kind of what I would expect to happen if the world continues to explode. Okay? The aim of the game, obviously, is to just average out at a good return over a long period. So over three, five, seven, ten years to just consistently get those double digits, get that 10% or above. I know when we went through your advice piece, the previous returns were, like, 19%. It was very fantastic five years. But, again, we need to make sure that we're getting you, like, that minimum benchmark to get you to your goals. Okay? So overall, insurances are in place, contributions are doing well, the funds jumped up quite a bit, and now it's just a matter of allowing the markets to kinda do their thing over a period of time. K. Do you have any questions on on that so far, Rob? Perfect. Now what we'll basically do from here is reviewing all the options within the super. And if we need to change anything, we'll discuss that with you then as well. At the moment, there's no alarm bells that I need to do anything with it right now. And outside of that, look, if there's any major changes in the industry where we need to change super funds, we can obviously do that advice too, and it's all incorporated in the service that you pay for. Okay? Now is there anything else, like, updates on your end? How's everything been going on your yes. Okay. MetLife is gone. Right. Okay. Wow. Buggy. Okay. Well Wow. Yep. Too much pain. And where are they going to? Yeah. No. That's fair enough. That is fair enough. So I'll update our system then with that. K. Okay. I mean, if you ever need it, we can do the old software plug and see who can offer some life insurance. I know we've already got the Zurich in place. You can always increase Zurich life insurance if you want, hunt around. Yeah. Look. It's pretty standard to I mean, with any increase or new benefit, they do ask you those questions about has your health changed and all that kind of thing underwriting. But, yeah, Zurich can increase the life insurance. And one of the things is if you pay for it through super, you do get the 15% rebate off of it anyway. So even if you wanted to contribute the amount that you were paying in premium into the super and pay for it through there, you kind of get a bit of a 15% off. But we do have access to all the different insurers anyway, so I can always do a bit of a hunt around for you if you like. Yeah. K. With the amount, do you still want to kind of replace the million dollars that you had, or how much do you feel like you actually need? Because I can always do quotes for a lower amount if you feel like that was a bit too much. Go on. Yeah. Go for it. You're right. So when it comes to calculating Well, the simple thing with life insurance is the step number one is clearing debt, but it doesn't look like you have much in the way of huge loans or anything floating around besides the personal loan. So from that point, then step number two is, like, income replacement. Let's say you passed away and someone's reliant on your income, replacing that. But I think the main thing is you probably have that life insurance for your dependents. So are we trying to set them up with enough to purchase a house, or is it to, you know, look after them for a certain period of time? What would kind of be the the scenario? I don't wanna, you know, go too deep into it, but if you were to park them. Yeah. No. Yeah. And you've got 300,000 already through the server as well. So you could always do 700,000 just to make that plain million at the end of the day. Yeah. A bit of a top up. K? Now I just have to ask the question as well because they're all linked together and everything. Do you want me to do anything with, like, the TBD cover or just top up the life to replace what was lost with MetLife? Yep. Perfect. So what I'll do is I will pop off a alteration increase quote to Zurich to see what their prices look like. And then at the same time, my team will research the other insurers to see what a million dollars looks like with everybody else. And then I will put together another document, update your plan, and could probably go through that with you in a couple of weeks. Perfect. No worries. If you need anything, like, we're not just the the super guys. If you wanna talk about anything cash flow, property, investing related, we're here for you. And, again, everything's included in the service. Amazing, Robert. Well, I'm very glad we had this chat today just to reassure you that the suit is going well, and we can fix up the insurance way. Is there anything else that I can help you with today? Amazing. I'm good. Should I say that I'm gonna get the file? Okay, Robert. Well, what I'll do is I'll get off these requests for the quote, and then I will go hunt and run the financial review for some articles while I have a bit of a morning No worries, Robin. Talk to you soon. Thank you. 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morning, Robin. It's Tommy here, senior adviser at Oakview. How are you doing this fine Friday? I'm living the dream. It's freezing, overcast, otherwise beautiful.\n\nYour end? I think it's 14. Yeah. Yeah. That's just what we woke up to.\n\nNo. What is it with Victoria going up and down to why does Victoria go between summer and winter on a weekly basis? It's very strange. Look. When I went up there for my thirtieth in Melbourne, we arrived in jumpers and factory pants, and then two days later, board shorts at the beach.\n\nAnd I was just like, this is the strangest thing. I've got you for a quick catch up for your quarterly review, and I've emailed you through a bit of a performance update. Do you mind if I just quickly check the security with you just for your information? Amazing. It's it's very important that I do I know it is you, but if you could please just confirm your date of birth and address for me.\n\nPerfect. Perfect. Perfect. Now with the Hub twenty four Super, we got you across from Host Plus, and you went through got the insurances sorted. It's all been consolidated a few months ago.\n\nNow do you usually log in to the Hub to keep an eye on it, or is it more wait for our catch ups? Yes. Yeah. Right. Yeah.\n\nYep. I I can see it coming in weekly, and they did a couple of catch ups. So whatever was kind of owing, there was a couple of double payments that went in there, but you're getting white horses coming in, the Ravi is coming in. Everything's kind of flowing in quite nicely. Oh, who got a bad reputation for something?\n\nOakview. Oh. Yeah. Right. Well, I will have a look.\n\nYeah. Absolutely. I'll I'll have a little hunt around on the AFR. And, no. Normally, we've got pretty good pretty good reviews and reputation in the industry.\n\nSo I don't know if it's like a hub thing because of what happened with the shield master trust and all that kind of stuff or what's going on. But I'll I'll I'll have a hunt around the news. There's definitely been a lot of talk in May about conditions that the government's supplying to all the different super funds, especially the ones who, you know, like Macquarie was allowing those investments that came on that everyone lost their money with and all that kind of thing. Yeah. No.\n\nI haven't seen anything, but I will hunt around and have a look. So if you do have the article, look it through. That'd be awesome. Yep. The old paywall.\n\nYeah. No. Fair enough. Fair enough. Well, I do have some good news for you.\n\nThe quarterly report looks absolutely fantastic. So when I was having a little lookie today, we've had I was just doing comparison because whenever you do your first year with us, I like to at least check the super fund that you're with previously if we did recommend to move just to make sure it's still doing better. And because we pretty much recommend anybody in the industry depending on who suits. I think host plus jumped up about 1% in the last three So about 13,000 in growth in this quarterly report, and your contribution is flowing in nicely. Everything's jumped up well above 200,000 now.\n\nSo it's been a pretty good quarter. Fair. Yeah. And look, it can be a bit reassuring too. That's why I like doing the quarterly catch ups just to say, hey.\n\nLike, you've taken the leap. You've paid thousands of dollars in fees. You've gone through this whole process with us. How's it actually going? And that's why I love these quarterly catch ups just to sort of explain the ins and outs of what's going on.\n\nDon't have to go too technical with it, but there's a few things I definitely wanna point out to you today just so you've got the right expectations as well. Cool. Now in the report that I sent you so whenever I send you these reports, there's always two pages. The first one is this big fancy table that's got all your investment options on there. And that way, I can do a full breakdown of how each one is good.\n\nSo, you know, how's gold doing? How's the shares doing? How's the property doing? That kind of thing. Does that make sense?\n\nYep. Second page is always how your overall super is doing when you put all of it together. So that's kind of the way to read it is here's all my little options and what they're invested in. Second one is how's my super done? Now with the options that you've got, pretty much because we've got you in a high growth portfolio, it's kind of behaving exactly as I would expect it to in terms of going up and down like crazy every week, every month.\n\nBecause that's that high growth approach. Right? You've got all your money Right. And they have a little bit of a cost to ride. You've had, for example, after Christmas, gold went back down from its huge high, so that dropped about 11%.\n\nBut then you've got some cybersecurity shares that jumped up 46%, Japan going up, Europe going up, all that kind of thing. So when I look at it, every little piece in the cog is kind of playing its part as I would expect. Now just bear in mind what that means is because the world is still very uncertain for the next six months at least, I am expecting it to jump up and down quite a bit. Now what that basically means is you could see if things go extreme, you could go from 202,000 down to a hundred and 85,000 and then be back up to 230,000 three months later. That's kind of what I would expect to happen if the world continues to explode.\n\nOkay? The aim of the game, obviously, is to just average out at a good return over a long period. So over three, five, seven, ten years to just consistently get those double digits, get that 10% or above. I know when we went through your advice piece, the previous returns were, like, 19%. It was very fantastic five years.\n\nBut, again, we need to make sure that we're getting you, like, that minimum benchmark to get you to your goals. Okay? So overall, insurances are in place, contributions are doing well, the funds jumped up quite a bit, and now it's just a matter of allowing the markets to kinda do their thing over a period of time. K. Do you have any questions on on that so far, Rob?\n\nPerfect. Now what we'll basically do from here is reviewing all the options within the super. And if we need to change anything, we'll discuss that with you then as well. At the moment, there's no alarm bells that I need to do anything with it right now. And outside of that, look, if there's any major changes in the industry where we need to change super funds, we can obviously do that advice too, and it's all incorporated in the service that you pay for.\n\nOkay? Now is there anything else, like, updates on your end? How's everything been going on your yes. Okay. MetLife is gone.\n\nRight. Okay. Wow. Buggy. Okay.\n\nWell Wow. Yep. Too much pain. And where are they going to? Yeah.\n\nNo. That's fair enough. That is fair enough. So I'll update our system then with that. K.\n\nOkay. I mean, if you ever need it, we can do the old software plug and see who can offer some life insurance. I know we've already got the Zurich in place. You can always increase Zurich life insurance if you want, hunt around. Yeah.\n\nLook. It's pretty standard to I mean, with any increase or new benefit, they do ask you those questions about has your health changed and all that kind of thing underwriting. But, yeah, Zurich can increase the life insurance. And one of the things is if you pay for it through super, you do get the 15% rebate off of it anyway. So even if you wanted to contribute the amount that you were paying in premium into the super and pay for it through there, you kind of get a bit of a 15% off.\n\nBut we do have access to all the different insurers anyway, so I can always do a bit of a hunt around for you if you like. Yeah. K. With the amount, do you still want to kind of replace the million dollars that you had, or how much do you feel like you actually need? Because I can always do quotes for a lower amount if you feel like that was a bit too much.\n\nGo on. Yeah. Go for it. You're right. So when it comes to calculating Well, the simple thing with life insurance is the step number one is clearing debt, but it doesn't look like you have much in the way of huge loans or anything floating around besides the personal loan.\n\nSo from that point, then step number two is, like, income replacement. Let's say you passed away and someone's reliant on your income, replacing that. But I think the main thing is you probably have that life insurance for your dependents. So are we trying to set them up with enough to purchase a house, or is it to, you know, look after them for a certain period of time? What would kind of be the the scenario?\n\nI don't wanna, you know, go too deep into it, but if you were to park them. Yeah. No. Yeah. And you've got 300,000 already through the server as well.\n\nSo you could always do 700,000 just to make that plain million at the end of the day. Yeah. A bit of a top up. K? Now I just have to ask the question as well because they're all linked together and everything.\n\nDo you want me to do anything with, like, the TBD cover or just top up the life to replace what was lost with MetLife? Yep. Perfect. So what I'll do is I will pop off a alteration increase quote to Zurich to see what their prices look like. And then at the same time, my team will research the other insurers to see what a million dollars looks like with everybody else.\n\nAnd then I will put together another document, update your plan, and could probably go through that with you in a couple of weeks. Perfect. No worries. If you need anything, like, we're not just the the super guys. If you wanna talk about anything cash flow, property, investing related, we're here for you.\n\nAnd, again, everything's included in the service. Amazing, Robert. Well, I'm very glad we had this chat today just to reassure you that the suit is going well, and we can fix up the insurance way. Is there anything else that I can help you with today? Amazing.\n\nI'm good. Should I say that I'm gonna get the file? Okay, Robert. Well, what I'll do is I'll get off these requests for the quote, and then I will go hunt and run the financial review for some articles while I have a bit of a morning No worries, Robin. Talk to you soon.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Robin.","start":2.6399999,"end":3.52,"sentiment":"neutral","sentiment_score":0.2982262074947357},{"text":"It's Tommy here, senior adviser at Oakview.","start":3.52,"end":5.44,"sentiment":"neutral","sentiment_score":0.20663427455084665},{"text":"How are you doing this fine Friday?","start":5.44,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.3258239712033953},{"text":"I'm living the dream.","start":9.5199995,"end":10.559999,"sentiment":"positive","sentiment_score":0.5285703912377357},{"text":"It's freezing, overcast, otherwise beautiful.","start":10.559999,"end":13.059999,"sentiment":"neutral","sentiment_score":0.221045783162117}],"sentiment":"neutral","sentiment_score":0.3015921855202088,"num_words":26,"start":2.6399999,"end":13.059999},{"sentences":[{"text":"Your end?","start":13.2,"end":18.095001,"sentiment":"neutral","sentiment_score":0.025105583015829325},{"text":"I think it's 14.","start":18.095001,"end":19.395,"sentiment":"neutral","sentiment_score":-0.0023216773552121595},{"text":"Yeah.","start":22.095001,"end":22.595001,"sentiment":"neutral","sentiment_score":0.010767912492156029},{"text":"Yeah.","start":25.295,"end":25.795,"sentiment":"neutral","sentiment_score":0.005880529526621103},{"text":"That's just what we woke up to.","start":25.855,"end":27.475,"sentiment":"neutral","sentiment_score":-0.012315411918929644}],"sentiment":"neutral","sentiment_score":-0.0019089989868613581,"num_words":15,"start":13.2,"end":27.475},{"sentences":[{"text":"No.","start":33.629997,"end":34.129997,"sentiment":"neutral","sentiment_score":-0.10854728519916534},{"text":"What is it with Victoria going up and down to why does Victoria go between summer and winter on a weekly basis?","start":36.19,"end":43.925,"sentiment":"neutral","sentiment_score":-0.07554521343924782},{"text":"It's very strange.","start":43.925,"end":44.905,"sentiment":"neutral","sentiment_score":-0.16635320087273917},{"text":"Look.","start":48.805,"end":49.045,"sentiment":"neutral","sentiment_score":-0.019212476909160617},{"text":"When I went up there for my thirtieth in Melbourne, we arrived in jumpers and factory pants, and then two days later, board shorts at the beach.","start":49.045,"end":58.63,"sentiment":"neutral","sentiment_score":-0.026129959030421795}],"sentiment":"neutral","sentiment_score":-0.05545042507798859,"num_words":54,"start":33.629997,"end":58.63},{"sentences":[{"text":"And I was just like, this is the strangest thing.","start":58.63,"end":60.97,"sentiment":"neutral","sentiment_score":-0.2066418681293726},{"text":"I've got you for a quick catch up for your quarterly review, and I've emailed you through a bit of a performance update.","start":67.03,"end":74.384995,"sentiment":"neutral","sentiment_score":0.03519369354066641},{"text":"Do you mind if I just quickly check the security with you just for your information?","start":74.524994,"end":78.704994,"sentiment":"neutral","sentiment_score":-0.00024413800565525879},{"text":"Amazing.","start":80.284996,"end":80.784996,"sentiment":"neutral","sentiment_score":0.2634376883506775},{"text":"It's it's very important that I do I know it is you, but if you could please just confirm your date of birth and address for me.","start":81.085,"end":88.01,"sentiment":"neutral","sentiment_score":0.10857210777423999}],"sentiment":"neutral","sentiment_score":0.025117073510471103,"num_words":77,"start":58.63,"end":88.01},{"sentences":[{"text":"Perfect.","start":95.75,"end":96.229996,"sentiment":"neutral","sentiment_score":0.31822842359542847},{"text":"Perfect.","start":96.229996,"end":96.55,"sentiment":"neutral","sentiment_score":0.29923215508461},{"text":"Perfect.","start":96.55,"end":97.05,"sentiment":"neutral","sentiment_score":0.2565876841545105},{"text":"Now with the Hub twenty four Super, we got you across from Host Plus, and you went through got the insurances sorted.","start":97.225006,"end":104.745,"sentiment":"neutral","sentiment_score":0.08502461591904814},{"text":"It's all been consolidated a few months ago.","start":104.745,"end":107.245,"sentiment":"neutral","sentiment_score":0.0647256076335907}],"sentiment":"neutral","sentiment_score":0.09886044467037375,"num_words":33,"start":95.75,"end":107.245},{"sentences":[{"text":"Now do you usually log in to the Hub to keep an eye on it, or is it more wait for our catch ups?","start":108.185005,"end":119.34,"sentiment":"neutral","sentiment_score":-0.0004972435999661684},{"text":"Yes.","start":122.52,"end":123.02,"sentiment":"neutral","sentiment_score":0.0018620872870087624},{"text":"Yeah.","start":133.885,"end":134.125,"sentiment":"neutral","sentiment_score":0.050583068281412125},{"text":"Right.","start":134.125,"end":134.625,"sentiment":"neutral","sentiment_score":0.1364353746175766},{"text":"Yeah.","start":145.34,"end":145.58,"sentiment":"neutral","sentiment_score":0.11827383935451508}],"sentiment":"neutral","sentiment_score":0.010543590112190162,"num_words":28,"start":108.185005,"end":145.58},{"sentences":[{"text":"Yep.","start":145.58,"end":145.9,"sentiment":"neutral","sentiment_score":0.1116301640868187},{"text":"I I can see it coming in weekly, and they did a couple of catch ups.","start":145.9,"end":150.72,"sentiment":"neutral","sentiment_score":0.06643511191941798},{"text":"So whatever was kind of owing, there was a couple of double payments that went in there, but you're getting white horses coming in, the Ravi is coming in.","start":151.01999,"end":160.11499,"sentiment":"neutral","sentiment_score":-0.02606427036868087},{"text":"Everything's kind of flowing in quite nicely.","start":160.495,"end":162.75499,"sentiment":"positive","sentiment_score":0.3942966376032148},{"text":"Oh, who got a bad reputation for something?","start":181.795,"end":184.13501,"sentiment":"neutral","sentiment_score":-0.2506180163472891}],"sentiment":"neutral","sentiment_score":0.019243613877868066,"num_words":61,"start":145.58,"end":184.13501},{"sentences":[{"text":"Oakview.","start":185.955,"end":186.455,"sentiment":"neutral","sentiment_score":-0.09782447665929794},{"text":"Oh.","start":187.55501,"end":188.05501,"sentiment":"neutral","sentiment_score":-0.08004191517829895},{"text":"Yeah.","start":198.5,"end":198.74,"sentiment":"neutral","sentiment_score":-0.05355943739414215},{"text":"Right.","start":198.74,"end":198.98001,"sentiment":"neutral","sentiment_score":-0.02388361096382141},{"text":"Well, I will have a look.","start":198.98001,"end":200.68001,"sentiment":"neutral","sentiment_score":-0.02639521813640992}],"sentiment":"neutral","sentiment_score":-0.041368074901402,"num_words":10,"start":185.955,"end":200.68001},{"sentences":[{"text":"Yeah.","start":226.38,"end":226.62,"sentiment":"neutral","sentiment_score":0.0903446450829506},{"text":"Absolutely.","start":226.62,"end":227.12,"sentiment":"neutral","sentiment_score":0.30142849683761597},{"text":"I'll I'll have a little hunt around on the AFR.","start":227.34,"end":229.44,"sentiment":"neutral","sentiment_score":0.06361130196601153},{"text":"And, no.","start":229.9,"end":231.18001,"sentiment":"neutral","sentiment_score":0.019650228321552277},{"text":"Normally, we've got pretty good pretty good reviews and reputation in the industry.","start":231.18001,"end":235.1,"sentiment":"neutral","sentiment_score":0.30364116453207457}],"sentiment":"neutral","sentiment_score":0.18572302804225022,"num_words":27,"start":226.38,"end":235.1},{"sentences":[{"text":"So I don't know if it's like a hub thing because of what happened with the shield master trust and all that kind of stuff or what's going on.","start":235.1,"end":242.30501,"sentiment":"neutral","sentiment_score":-0.01948652194877123},{"text":"But I'll I'll I'll have a hunt around the news.","start":242.30501,"end":245.345,"sentiment":"neutral","sentiment_score":0.05974258854985237},{"text":"There's definitely been a lot of talk in May about conditions that the government's supplying to all the different super funds, especially the ones who, you know, like Macquarie was allowing those investments that came on that everyone lost their money with and all that kind of thing.","start":245.345,"end":262.68,"sentiment":"neutral","sentiment_score":-0.0778189745809262},{"text":"Yeah.","start":271.695,"end":271.935,"sentiment":"neutral","sentiment_score":-0.081619992852211},{"text":"No.","start":271.935,"end":272.255,"sentiment":"neutral","sentiment_score":-0.09388823062181471}],"sentiment":"neutral","sentiment_score":-0.04357867701544186,"num_words":89,"start":235.1,"end":272.255},{"sentences":[{"text":"I haven't seen anything, but I will hunt around and have a look.","start":272.255,"end":275.935,"sentiment":"neutral","sentiment_score":-0.0227670451769462},{"text":"So if you do have the article, look it through.","start":275.935,"end":277.775,"sentiment":"neutral","sentiment_score":0.062361319363117215},{"text":"That'd be awesome.","start":277.775,"end":278.755,"sentiment":"positive","sentiment_score":0.5108746687571207},{"text":"Yep.","start":287.83002,"end":288.23,"sentiment":"neutral","sentiment_score":-0.05380120128393173},{"text":"The old paywall.","start":288.23,"end":289.13,"sentiment":"neutral","sentiment_score":-0.14749020089705786}],"sentiment":"neutral","sentiment_score":0.04546646028757095,"num_words":30,"start":272.255,"end":289.13},{"sentences":[{"text":"Yeah.","start":295.525,"end":295.845,"sentiment":"neutral","sentiment_score":-0.006253570318222046},{"text":"No.","start":295.845,"end":296.16498,"sentiment":"neutral","sentiment_score":-0.07378260791301727},{"text":"Fair enough.","start":296.16498,"end":296.645,"sentiment":"neutral","sentiment_score":-0.0011693090200424194},{"text":"Fair enough.","start":296.645,"end":297.04498,"sentiment":"neutral","sentiment_score":0.05989840254187584},{"text":"Well, I do have some good news for you.","start":297.04498,"end":298.82498,"sentiment":"positive","sentiment_score":0.5129565132988824}],"sentiment":"neutral","sentiment_score":0.3102687085668246,"num_words":15,"start":295.525,"end":298.82498},{"sentences":[{"text":"The quarterly report looks absolutely fantastic.","start":301.445,"end":303.865,"sentiment":"positive","sentiment_score":0.7704733808835348},{"text":"So when I was having a little lookie today, we've had I was just doing comparison because whenever you do your first year with us, I like to at least check the super fund that you're with previously if we did recommend to move just to make sure it's still doing better.","start":304.56,"end":319.77502,"sentiment":"neutral","sentiment_score":0.09256308737139289},{"text":"And because we pretty much recommend anybody in the industry depending on who suits.","start":320.315,"end":326.33502,"sentiment":"neutral","sentiment_score":0.23031489444630487},{"text":"I think host plus jumped up about 1% in the last three So about 13,000 in growth in this quarterly report, and your contribution is flowing in nicely.","start":327.195,"end":342.88998,"sentiment":"positive","sentiment_score":0.41293266522032873},{"text":"Everything's jumped up well above 200,000 now.","start":343.34998,"end":346.33,"sentiment":"positive","sentiment_score":0.6102635860443115}],"sentiment":"neutral","sentiment_score":0.2663036362555261,"num_words":107,"start":301.445,"end":346.33},{"sentences":[{"text":"So it's been a pretty good quarter.","start":346.615,"end":348.875,"sentiment":"positive","sentiment_score":0.7202223879950387},{"text":"Fair.","start":358.375,"end":358.875,"sentiment":"positive","sentiment_score":0.3741998076438904},{"text":"Yeah.","start":365.00998,"end":365.41,"sentiment":"neutral","sentiment_score":0.2337249368429184},{"text":"And look, it can be a bit reassuring too.","start":365.41,"end":367.25,"sentiment":"neutral","sentiment_score":0.2146337048874961},{"text":"That's why I like doing the quarterly catch ups just to say, hey.","start":367.25,"end":370.28998,"sentiment":"neutral","sentiment_score":0.2576007556456786}],"sentiment":"positive","sentiment_score":0.35258047186559244,"num_words":31,"start":346.615,"end":370.28998},{"sentences":[{"text":"Like, you've taken the leap.","start":370.28998,"end":371.655,"sentiment":"neutral","sentiment_score":0.31588163375854494},{"text":"You've paid thousands of dollars in fees.","start":371.655,"end":373.735,"sentiment":"neutral","sentiment_score":0.2832362119640623},{"text":"You've gone through this whole process with us.","start":373.735,"end":375.915,"sentiment":"neutral","sentiment_score":0.29042477533221245},{"text":"How's it actually going?","start":376.055,"end":377.355,"sentiment":"neutral","sentiment_score":0.2668304294347763},{"text":"And that's why I love these quarterly catch ups just to sort of explain the ins and outs of what's going on.","start":377.575,"end":383.435,"sentiment":"positive","sentiment_score":0.37078106809746136}],"sentiment":"neutral","sentiment_score":0.3284775015452634,"num_words":46,"start":370.28998,"end":383.435},{"sentences":[{"text":"Don't have to go too technical with it, but there's a few things I definitely wanna point out to you today just so you've got the right expectations as well.","start":384.43997,"end":391.9,"sentiment":"neutral","sentiment_score":0.26989412990709144},{"text":"Cool.","start":394.43997,"end":394.93997,"sentiment":"neutral","sentiment_score":0.21437117457389832},{"text":"Now in the report that I sent you so whenever I send you these reports, there's always two pages.","start":395.24,"end":400.285,"sentiment":"neutral","sentiment_score":0.10731257576691478},{"text":"The first one is this big fancy table that's got all your investment options on there.","start":400.745,"end":406.025,"sentiment":"neutral","sentiment_score":0.11312052933499217},{"text":"And that way, I can do a full breakdown of how each one is good.","start":406.025,"end":409.565,"sentiment":"neutral","sentiment_score":0.19248761534690856}],"sentiment":"neutral","sentiment_score":0.18577008285088303,"num_words":81,"start":384.43997,"end":409.565},{"sentences":[{"text":"So, you know, how's gold doing?","start":409.625,"end":411.32498,"sentiment":"neutral","sentiment_score":0.0910760077337424},{"text":"How's the shares doing?","start":411.36,"end":412.47998,"sentiment":"neutral","sentiment_score":0.0795994009822607},{"text":"How's the property doing?","start":412.47998,"end":413.68,"sentiment":"neutral","sentiment_score":0.07328989915549755},{"text":"That kind of thing.","start":413.68,"end":414.56,"sentiment":"neutral","sentiment_score":0.10009684227406979},{"text":"Does that make sense?","start":414.56,"end":415.62,"sentiment":"neutral","sentiment_score":0.10507133975625038}],"sentiment":"neutral","sentiment_score":0.08994027159430763,"num_words":22,"start":409.625,"end":415.62},{"sentences":[{"text":"Yep.","start":416.96,"end":417.46,"sentiment":"neutral","sentiment_score":0.12614166736602783},{"text":"Second page is always how your overall super is doing when you put all of it together.","start":417.91998,"end":422.81998,"sentiment":"neutral","sentiment_score":0.22172777749159756},{"text":"So that's kind of the way to read it is here's all my little options and what they're invested in.","start":423.12,"end":428.375,"sentiment":"neutral","sentiment_score":0.1801504336297512},{"text":"Second one is how's my super done?","start":428.51498,"end":430.855,"sentiment":"neutral","sentiment_score":0.20616622694901057},{"text":"Now with the options that you've got, pretty much because we've got you in a high growth portfolio, it's kind of behaving exactly as I would expect it to in terms of going up and down like crazy every week, every month.","start":433.155,"end":446.78,"sentiment":"neutral","sentiment_score":0.11811151914298534}],"sentiment":"neutral","sentiment_score":0.15979735574674334,"num_words":87,"start":416.96,"end":446.78},{"sentences":[{"text":"Because that's that high growth approach.","start":446.84,"end":449.32,"sentiment":"neutral","sentiment_score":0.11418693512678146},{"text":"Right?","start":449.32,"end":449.64,"sentiment":"neutral","sentiment_score":0.08409465104341507},{"text":"You've got all your money Right.","start":449.64,"end":451.74,"sentiment":"neutral","sentiment_score":0.07304508611559868},{"text":"And they have a little bit of a cost to ride.","start":452.2,"end":454.78,"sentiment":"neutral","sentiment_score":-0.11404317820614035},{"text":"You've had, for example, after Christmas, gold went back down from its huge high, so that dropped about 11%.","start":455.8,"end":463.785,"sentiment":"neutral","sentiment_score":-0.06608552289636511}],"sentiment":"neutral","sentiment_score":-0.030293328297692677,"num_words":43,"start":446.84,"end":463.785},{"sentences":[{"text":"But then you've got some cybersecurity shares that jumped up 46%, Japan going up, Europe going up, all that kind of thing.","start":463.785,"end":471.48502,"sentiment":"neutral","sentiment_score":0.16482226787642998},{"text":"So when I look at it, every little piece in the cog is kind of playing its part as I would expect.","start":471.75,"end":477.85,"sentiment":"neutral","sentiment_score":0.12627953172407366},{"text":"Now just bear in mind what that means is because the world is still very uncertain for the next six months at least, I am expecting it to jump up and down quite a bit.","start":480.63,"end":490.315,"sentiment":"neutral","sentiment_score":-0.29850499438388006},{"text":"Now what that basically means is you could see if things go extreme, you could go from 202,000 down to a hundred and 85,000 and then be back up to 230,000 three months later.","start":492.855,"end":506.42,"sentiment":"neutral","sentiment_score":0.007752570049727664},{"text":"That's kind of what I would expect to happen if the world continues to explode.","start":506.48,"end":510.98,"sentiment":"neutral","sentiment_score":-0.06941739097237587}],"sentiment":"neutral","sentiment_score":-0.037664911680622026,"num_words":128,"start":463.785,"end":510.98},{"sentences":[{"text":"Okay?","start":513.565,"end":514.065,"sentiment":"neutral","sentiment_score":0.1290709674358368},{"text":"The aim of the game, obviously, is to just average out at a good return over a long period.","start":514.60504,"end":518.86505,"sentiment":"positive","sentiment_score":0.3508310914039612},{"text":"So over three, five, seven, ten years to just consistently get those double digits, get that 10% or above.","start":519.005,"end":526.145,"sentiment":"positive","sentiment_score":0.373638936563542},{"text":"I know when we went through your advice piece, the previous returns were, like, 19%.","start":526.82996,"end":533.38995,"sentiment":"positive","sentiment_score":0.41007551352183025},{"text":"It was very fantastic five years.","start":533.38995,"end":535.41,"sentiment":"positive","sentiment_score":0.75368798772494}],"sentiment":"positive","sentiment_score":0.40945436879992486,"num_words":60,"start":513.565,"end":535.41},{"sentences":[{"text":"But, again, we need to make sure that we're getting you, like, that minimum benchmark to get you to your goals.","start":535.55,"end":541.715,"sentiment":"neutral","sentiment_score":0.2930086318935667},{"text":"Okay?","start":544.335,"end":544.835,"sentiment":"neutral","sentiment_score":0.10861483216285706},{"text":"So overall, insurances are in place, contributions are doing well, the funds jumped up quite a bit, and now it's just a matter of allowing the markets to kinda do their thing over a period of time.","start":544.895,"end":556.58,"sentiment":"neutral","sentiment_score":0.2746717780828476},{"text":"K.","start":559.2,"end":559.52,"sentiment":"neutral","sentiment_score":0.04288095235824585},{"text":"Do you have any questions on on that so far, Rob?","start":559.52,"end":562.26,"sentiment":"neutral","sentiment_score":0.05007768998091871}],"sentiment":"neutral","sentiment_score":0.23969559764987985,"num_words":71,"start":535.55,"end":562.26},{"sentences":[{"text":"Perfect.","start":566.975,"end":567.475,"sentiment":"positive","sentiment_score":0.46803516149520874},{"text":"Now what we'll basically do from here is reviewing all the options within the super.","start":567.695,"end":576.595,"sentiment":"neutral","sentiment_score":0.21000663141409556},{"text":"And if we need to change anything, we'll discuss that with you then as well.","start":576.815,"end":581.235,"sentiment":"neutral","sentiment_score":0.13851577838261922},{"text":"At the moment, there's no alarm bells that I need to do anything with it right now.","start":581.49,"end":585.19,"sentiment":"neutral","sentiment_score":0.011904128334101509},{"text":"And outside of that, look, if there's any major changes in the industry where we need to change super funds, we can obviously do that advice too, and it's all incorporated in the service that you pay for.","start":586.93,"end":597.69495,"sentiment":"neutral","sentiment_score":0.09380585886538029}],"sentiment":"neutral","sentiment_score":0.11003330380244311,"num_words":86,"start":566.975,"end":597.69495},{"sentences":[{"text":"Okay?","start":599.83496,"end":600.33496,"sentiment":"neutral","sentiment_score":0.2390235960483551},{"text":"Now is there anything else, like, updates on your end?","start":601.035,"end":603.83496,"sentiment":"neutral","sentiment_score":0.09163571037352085},{"text":"How's everything been going on your yes.","start":603.83496,"end":615.95,"sentiment":"neutral","sentiment_score":-0.004136269379939351},{"text":"Okay.","start":619.805,"end":620.305,"sentiment":"negative","sentiment_score":-0.4055442810058594},{"text":"MetLife is gone.","start":620.605,"end":626.545,"sentiment":"negative","sentiment_score":-0.5214975575606028}],"sentiment":"neutral","sentiment_score":-0.03834591543471271,"num_words":22,"start":599.83496,"end":626.545},{"sentences":[{"text":"Right.","start":626.605,"end":627.00494,"sentiment":"neutral","sentiment_score":-0.19830843806266785},{"text":"Okay.","start":627.00494,"end":627.50494,"sentiment":"neutral","sentiment_score":-0.21903133392333984},{"text":"Wow.","start":660.4,"end":660.9,"sentiment":"neutral","sentiment_score":-0.16209352016448977},{"text":"Buggy.","start":661.84,"end":662.34,"sentiment":"neutral","sentiment_score":-0.19687864184379575},{"text":"Okay.","start":664.56,"end":665.06,"sentiment":"neutral","sentiment_score":-0.06819085776805878}],"sentiment":"neutral","sentiment_score":-0.1689005583524704,"num_words":5,"start":626.605,"end":665.06},{"sentences":[{"text":"Well Wow.","start":665.68,"end":702.92505,"sentiment":"neutral","sentiment_score":-0.14173372834920883},{"text":"Yep.","start":702.92505,"end":703.325,"sentiment":"neutral","sentiment_score":-0.07678438723087311},{"text":"Too much pain.","start":703.325,"end":704.385,"sentiment":"neutral","sentiment_score":-0.2136116474866867},{"text":"And where are they going to?","start":711.405,"end":712.945,"sentiment":"neutral","sentiment_score":-0.15433319533864656},{"text":"Yeah.","start":723.75,"end":724.15,"sentiment":"neutral","sentiment_score":-0.09134149551391602}],"sentiment":"neutral","sentiment_score":-0.15526365030270356,"num_words":13,"start":665.68,"end":724.15},{"sentences":[{"text":"No.","start":724.15,"end":724.39,"sentiment":"neutral","sentiment_score":-0.12414472550153732},{"text":"That's fair enough.","start":724.39,"end":725.45,"sentiment":"neutral","sentiment_score":-0.09224214156468709},{"text":"That is fair enough.","start":725.67,"end":726.63,"sentiment":"neutral","sentiment_score":-0.008951041381806135},{"text":"So I'll update our system then with that.","start":726.63,"end":729.105,"sentiment":"neutral","sentiment_score":-0.018667207041289657},{"text":"K.","start":731.02496,"end":731.52496,"sentiment":"neutral","sentiment_score":-0.00426369346678257}],"sentiment":"neutral","sentiment_score":-0.03472215679528959,"num_words":17,"start":724.15,"end":731.52496},{"sentences":[{"text":"Okay.","start":735.105,"end":735.605,"sentiment":"neutral","sentiment_score":0.02513512596487999},{"text":"I mean, if you ever need it, we can do the old software plug and see who can offer some life insurance.","start":736.14496,"end":742.46497,"sentiment":"neutral","sentiment_score":-0.003859496760097417},{"text":"I know we've already got the Zurich in place.","start":742.46497,"end":744.485,"sentiment":"neutral","sentiment_score":0.010945285773939557},{"text":"You can always increase Zurich life insurance if you want, hunt around.","start":745.43,"end":749.85,"sentiment":"neutral","sentiment_score":0.02247313627352317},{"text":"Yeah.","start":756.55,"end":756.87,"sentiment":"neutral","sentiment_score":-0.002169232815504074}],"sentiment":"neutral","sentiment_score":0.00680538159277704,"num_words":45,"start":735.105,"end":756.87},{"sentences":[{"text":"Look.","start":756.87,"end":757.03,"sentiment":"neutral","sentiment_score":0.01079392433166504},{"text":"It's pretty standard to I mean, with any increase or new benefit, they do ask you those questions about has your health changed and all that kind of thing underwriting.","start":757.03,"end":767.85504,"sentiment":"neutral","sentiment_score":0.020248039315144222},{"text":"But, yeah, Zurich can increase the life insurance.","start":768.395,"end":770.875,"sentiment":"neutral","sentiment_score":0.12044563423842192},{"text":"And one of the things is if you pay for it through super, you do get the 15% rebate off of it anyway.","start":770.875,"end":776.98,"sentiment":"neutral","sentiment_score":0.13544103762377863},{"text":"So even if you wanted to contribute the amount that you were paying in premium into the super and pay for it through there, you kind of get a bit of a 15% off.","start":777.36,"end":788.34,"sentiment":"neutral","sentiment_score":0.1298006922006607}],"sentiment":"neutral","sentiment_score":0.0948975789360702,"num_words":96,"start":756.87,"end":788.34},{"sentences":[{"text":"But we do have access to all the different insurers anyway, so I can always do a bit of a hunt around for you if you like.","start":788.875,"end":794.735,"sentiment":"neutral","sentiment_score":0.19310177172775622},{"text":"Yeah.","start":796.235,"end":796.735,"sentiment":"positive","sentiment_score":0.3507814407348633},{"text":"K.","start":799.19495,"end":799.69495,"sentiment":"neutral","sentiment_score":0.04229019582271576},{"text":"With the amount, do you still want to kind of replace the million dollars that you had, or how much do you feel like you actually need?","start":800.315,"end":806.83,"sentiment":"neutral","sentiment_score":-0.001705665762225787},{"text":"Because I can always do quotes for a lower amount if you feel like that was a bit too much.","start":815.305,"end":819.565,"sentiment":"neutral","sentiment_score":-0.1940946515649557}],"sentiment":"neutral","sentiment_score":0.022090440346418244,"num_words":76,"start":788.875,"end":819.565},{"sentences":[{"text":"Go on.","start":824.985,"end":825.805,"sentiment":"neutral","sentiment_score":-0.02205406129360199},{"text":"Yeah.","start":826.90497,"end":827.145,"sentiment":"neutral","sentiment_score":0.08257819712162018},{"text":"Go for it.","start":827.145,"end":828.045,"sentiment":"neutral","sentiment_score":0.13363349934418997},{"text":"You're right.","start":860.10004,"end":860.84,"sentiment":"neutral","sentiment_score":0.08214502781629562},{"text":"So when it comes to calculating Well, the simple thing with life insurance is the step number one is clearing debt, but it doesn't look like you have much in the way of huge loans or anything floating around besides the personal loan.","start":861.06,"end":880.365,"sentiment":"neutral","sentiment_score":-0.0263525364530641}],"sentiment":"neutral","sentiment_score":-0.010382322338866252,"num_words":51,"start":824.985,"end":880.365},{"sentences":[{"text":"So from that point, then step number two is, like, income replacement.","start":882.51,"end":887.39,"sentiment":"neutral","sentiment_score":-0.021165331204732258},{"text":"Let's say you passed away and someone's reliant on your income, replacing that.","start":887.39,"end":891.31,"sentiment":"neutral","sentiment_score":-0.048287590249226645},{"text":"But I think the main thing is you probably have that life insurance for your dependents.","start":891.31,"end":896.05,"sentiment":"neutral","sentiment_score":0.010248206788673997},{"text":"So are we trying to set them up with enough to purchase a house, or is it to, you know, look after them for a certain period of time?","start":898.865,"end":909.365,"sentiment":"neutral","sentiment_score":0.01936019976334325},{"text":"What would kind of be the the scenario?","start":909.745,"end":912.46,"sentiment":"neutral","sentiment_score":-0.05668481066823006}],"sentiment":"neutral","sentiment_score":-0.007817743990856867,"num_words":78,"start":882.51,"end":912.46},{"sentences":[{"text":"I don't wanna, you know, go too deep into it, but if you were to park them.","start":912.46,"end":916.24,"sentiment":"neutral","sentiment_score":-0.08978148900410708},{"text":"Yeah.","start":917.9,"end":918.4,"sentiment":"neutral","sentiment_score":0.01925653964281082},{"text":"No.","start":937.175,"end":937.675,"sentiment":"neutral","sentiment_score":-0.16248786449432373},{"text":"Yeah.","start":947.87,"end":948.37,"sentiment":"neutral","sentiment_score":0.01754634641110897},{"text":"And you've got 300,000 already through the server as well.","start":951.08496,"end":955.185,"sentiment":"neutral","sentiment_score":0.047840405628085135}],"sentiment":"neutral","sentiment_score":-0.039118874507645764,"num_words":30,"start":912.46,"end":955.185},{"sentences":[{"text":"So you could always do 700,000 just to make that plain million at the end of the day.","start":955.485,"end":961.105,"sentiment":"neutral","sentiment_score":0.02405393889380826},{"text":"Yeah.","start":962.365,"end":962.605,"sentiment":"neutral","sentiment_score":0.02816769853234291},{"text":"A bit of a top up.","start":962.605,"end":963.90497,"sentiment":"neutral","sentiment_score":0.036944659892469645},{"text":"K?","start":966.39,"end":966.89,"sentiment":"neutral","sentiment_score":0.05293961614370346},{"text":"Now I just have to ask the question as well because they're all linked together and everything.","start":967.75,"end":971.61,"sentiment":"neutral","sentiment_score":-0.006013055222437662}],"sentiment":"neutral","sentiment_score":0.014733121752045875,"num_words":43,"start":955.485,"end":971.61},{"sentences":[{"text":"Do you want me to do anything with, like, the TBD cover or just top up the life to replace what was lost with MetLife?","start":971.75,"end":978.01,"sentiment":"neutral","sentiment_score":-0.04266378805041313},{"text":"Yep.","start":985.26495,"end":985.665,"sentiment":"neutral","sentiment_score":0.07453034073114395},{"text":"Perfect.","start":985.665,"end":986.065,"sentiment":"neutral","sentiment_score":0.1981784999370575},{"text":"So what I'll do is I will pop off a alteration increase quote to Zurich to see what their prices look like.","start":986.065,"end":994.2,"sentiment":"neutral","sentiment_score":0.06353963395072655},{"text":"And then at the same time, my team will research the other insurers to see what a million dollars looks like with everybody else.","start":994.52,"end":1001.58,"sentiment":"neutral","sentiment_score":0.03954990968729059}],"sentiment":"neutral","sentiment_score":0.02127649203861413,"num_words":73,"start":971.75,"end":1001.58},{"sentences":[{"text":"And then I will put together another document, update your plan, and could probably go through that with you in a couple of weeks.","start":1001.96,"end":1009.9,"sentiment":"neutral","sentiment_score":0.042692384915426373},{"text":"Perfect.","start":1012.705,"end":1013.205,"sentiment":"positive","sentiment_score":0.4355324506759643},{"text":"No worries.","start":1013.98505,"end":1014.54504,"sentiment":"neutral","sentiment_score":0.23693037033081055},{"text":"If you need anything, like, we're not just the the super guys.","start":1014.54504,"end":1017.42505,"sentiment":"neutral","sentiment_score":0.13535415194928646},{"text":"If you wanna talk about anything cash flow, property, investing related, we're here for you.","start":1017.42505,"end":1023.205,"sentiment":"neutral","sentiment_score":0.16492239981889725}],"sentiment":"neutral","sentiment_score":0.11170548611079101,"num_words":54,"start":1001.96,"end":1023.205},{"sentences":[{"text":"And, again, everything's included in the service.","start":1023.265,"end":1025.765,"sentiment":"neutral","sentiment_score":0.20273782738617488},{"text":"Amazing, Robert.","start":1029.16,"end":1029.72,"sentiment":"positive","sentiment_score":0.5410392582416534},{"text":"Well, I'm very glad we had this chat today just to reassure you that the suit is going well, and we can fix up the insurance way.","start":1029.72,"end":1036.46,"sentiment":"positive","sentiment_score":0.5378809240129259},{"text":"Is there anything else that I can help you with today?","start":1036.92,"end":1040.035,"sentiment":"neutral","sentiment_score":0.19531357965686105},{"text":"Amazing.","start":1043.295,"end":1043.795,"sentiment":"positive","sentiment_score":0.6807876229286194}],"sentiment":"positive","sentiment_score":0.4136096928268671,"num_words":48,"start":1023.265,"end":1043.795},{"sentences":[{"text":"I'm good.","start":1047.9349,"end":1048.575,"sentiment":"positive","sentiment_score":0.4968102425336838},{"text":"Should I say that I'm gonna get the file?","start":1048.575,"end":1050.4349,"sentiment":"neutral","sentiment_score":0.0531343635585573},{"text":"Okay, Robert.","start":1056.38,"end":1057.02,"sentiment":"neutral","sentiment_score":-0.07791445776820183},{"text":"Well, what I'll do is I'll get off these requests for the quote, and then I will go hunt and run the financial review for some articles while I have a bit of a morning No worries, Robin.","start":1057.02,"end":1071.255,"sentiment":"neutral","sentiment_score":0.07472658451450498},{"text":"Talk to you soon.","start":1071.255,"end":1072.075,"sentiment":"neutral","sentiment_score":0.29587265104055405}],"sentiment":"neutral","sentiment_score":0.09707457558675246,"num_words":55,"start":1047.9349,"end":1072.075},{"sentences":[{"text":"Thank you.","start":1074.135,"end":1074.695,"sentiment":"positive","sentiment_score":0.5922400951385498},{"text":"Bye.","start":1074.695,"end":1075.195,"sentiment":"neutral","sentiment_score":-0.1111585721373558}],"sentiment":"positive","sentiment_score":0.35777387271324795,"num_words":3,"start":1074.135,"end":1075.195}]}}]},{"alternatives":[{"transcript":"Good morning. Fantastic. How are you? Hang on. Tell me how freezing it is. 14. Where you are right now? Oh my goodness. Well, I got in my car this morning, and it said zero. So please do not tell me you are freezing. Oh my god. Sometimes it's a daily basis, I can tell you. Yep. It sure is. It sure is. So what's happening, Tommy? Okay. Yes. Definitely. Yep. Sure. Certainly. It's the twenty fourth of the first sixty nine, and the address is Number 9 Haven Lane in Diamond Creek, Victoria. Yes. Well, yeah, I so I do no. So I do have the app because my boss was saying he was having trouble paying the contributions. So I was checking. So he was saying that he had to go through I don't know. He had to set up some other way of paying it. He couldn't just pay into the bank or something like that. But anyway, I think he's got it all sorted. So because I just jumped in on the app and I double checked that the contributions have been going in. So I think now he's paying it weekly. Oh, fortnightly. Okay. Yeah. Yep. Yep. That's all. Yep. That's good. So that was the only issue there. But, yeah, I do have the app and I log in. Now, also, my boss was telling me I can't remember exactly, but he was telling me about a month or two ago that he was reading the financial review and you guys got a bad reputation or something. Saying to me, be very Oakview. Be very careful. Yeah. He goes, be very careful, Robin. He said they're not you're not declaring something. And he sent me the article, but, of course, I couldn't open it because I don't subscribe to the financial review. But I haven't spoken to him again since yeah. Have a look. So it's got something to do with Ophir and HUB24 because he goes, hey. You know, because he's going, who are these people now with your super you know, I guess he's just looking after me, seeing that I've been here for so long. So yeah. And I go, oh, I go, I know. And then, you know, of course, life goes on. So I didn't read it. And then last night, when I got the message that we were gonna tell her, so, oh, I must mention that to Tommy. So I don't know. Yep. Yep. Maybe it was that. Yep. Yeah. Okay. Yeah. Maybe it was something to do with that. I don't know. As I said, I did not even read the article, but I thought, oh, maybe you can enlighten me. But obviously not. That's okay. Okay. Well yeah. Well, I he he he sent it to me, but I can't read it because you have to subscribe to financial yeah. The finance correct. Yep. Yep. And I go, oh god. I go whatever, you know, and then I just moved on. Okay. Go for it. Oh, that's good. Yes. Oh, that's good. That's great. Yay. That's good to hear because, you know, I'm a little bit mathematically illiterate, dyslexic, whatever you wanna say. So that's always nice to hear that I've made the right choice. Yep. Yep. Okay. Yep. Yep. Yep. Yes. Mhmm. Yep. Yep. Mhmm. Okay. Sure. Yep. Yep. Yeah. I get it. Okay. Okay. Yep. Okay. No. No. All good. Okay. Okay. Fabulous. What the updates on my end is that only just yesterday, you know how I had that other life insurance policy, the MetLife? I just canceled that. Only because well, they were just really incompetent. And and I just got nervous because my bank card got compromised, so I had to get a new bank card and everything. So I've updated my bank details, so therefore, I keep getting, you know, unsuccessful. So then I contact them. Yep. This is what's happened. I've updated my bank details with them for the last three months. And then yesterday, I still got an email saying unsuccessful funds. We're gonna have to close your account. And I just went, you know what? Do it. Close it. And they they rang me and and they're going, oh, I'm so sorry. And I go, yeah. I'm really sorry too that you guys are incompetent. I said, I don't know how many times I have to provide my new banking details to you. And they still they sent me an email saying, oh, you know, we missed this payment, but that's okay. On the July 8, we'll take out double the amount, and they specified the amount and everything. So I go, oh, yeah. Fantastic. You know, money's there. No no big issue. And then I get the email yesterday on the July 9 saying, oh, insufficient funds or something. And I go, oh, that is it. I can't do it anymore. So then I go, you know, who am I even providing my banking details to then? It's clearly you're not getting them. So who's getting the bank details? Like but they couldn't answer me. Well, that's right. So I go, no. I'm happy to I go just I'm happy to close it. You know, when you just reach that level and I go, oh, that you're incompetent. I'm not doing that anymore. So that's my that's only been my only change. Yes. So I'll do some research and look into something else. Yep. I was just gonna say, can I increase that or there might be a better something better? I don't know. Yep. Yep. Yep. Yeah. Actually, that'd be really good then. That'd be great. Oh, well, yeah. I don't need that much. No. Just for me is fine. Well, I don't know. What what what do you how do you work it out? Sorry. Tell me. Can you just hang on one second for me? Yeah. And it is on Monday, and it is it is $3.45. Okay, girl. Bye. Sorry, Tommy. Yes. Yeah. How do you work out? How do I No. No. No. Yes. Well, hopefully, by the time I die yes. Hopefully, by the time I die, they'll already have their houses. I'm hoping that's gonna happen in the next couple of years. But, see, you know, this is the thing. How do you know I could drop dead tomorrow? So and I only say that because it happened to my best girlfriend last year. So and I've seen what her daughter's gone through, and I just, like, go, oh, my god father. It's, you know, it's so it was a bit of an eye opener for me. So I think that's why I just chose that amount. Yeah. Just to top it. Yeah. Yeah. That's probably a good idea. Yeah. Just just exactly what was lost with MetLife, I reckon. Just top it up. Yep. Yep. Yep. Yep. Sounds great. Good on you. Thanks for that. Yep. That's fantastic. Thank you for that. Yep. No. All good. Thanks so much. Go and have a fabulous weekend in your in your warm weather. Oh, stop it. That's rude. Yep. Awesome. Good on you, Tommy. Thanks so much. Okay. 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morning. Fantastic. How are you? Hang on. Tell me how freezing it is.\n\n14. Where you are right now? Oh my goodness. Well, I got in my car this morning, and it said zero. So please do not tell me you are freezing.\n\nOh my god. Sometimes it's a daily basis, I can tell you. Yep. It sure is. It sure is.\n\nSo what's happening, Tommy? Okay. Yes. Definitely. Yep.\n\nSure. Certainly. It's the twenty fourth of the first sixty nine, and the address is Number 9 Haven Lane in Diamond Creek, Victoria. Yes. Well, yeah, I so I do no.\n\nSo I do have the app because my boss was saying he was having trouble paying the contributions. So I was checking. So he was saying that he had to go through I don't know. He had to set up some other way of paying it. He couldn't just pay into the bank or something like that.\n\nBut anyway, I think he's got it all sorted. So because I just jumped in on the app and I double checked that the contributions have been going in. So I think now he's paying it weekly. Oh, fortnightly. Okay.\n\nYeah. Yep. Yep. That's all. Yep.\n\nThat's good. So that was the only issue there. But, yeah, I do have the app and I log in. Now, also, my boss was telling me I can't remember exactly, but he was telling me about a month or two ago that he was reading the financial review and you guys got a bad reputation or something. Saying to me, be very Oakview.\n\nBe very careful. Yeah. He goes, be very careful, Robin. He said they're not you're not declaring something. And he sent me the article, but, of course, I couldn't open it because I don't subscribe to the financial review.\n\nBut I haven't spoken to him again since yeah. Have a look. So it's got something to do with Ophir and HUB24 because he goes, hey. You know, because he's going, who are these people now with your super you know, I guess he's just looking after me, seeing that I've been here for so long. So yeah.\n\nAnd I go, oh, I go, I know. And then, you know, of course, life goes on. So I didn't read it. And then last night, when I got the message that we were gonna tell her, so, oh, I must mention that to Tommy. So I don't know.\n\nYep. Yep. Maybe it was that. Yep. Yeah.\n\nOkay. Yeah. Maybe it was something to do with that. I don't know. As I said, I did not even read the article, but I thought, oh, maybe you can enlighten me.\n\nBut obviously not. That's okay. Okay. Well yeah. Well, I he he he sent it to me, but I can't read it because you have to subscribe to financial yeah.\n\nThe finance correct. Yep. Yep. And I go, oh god. I go whatever, you know, and then I just moved on.\n\nOkay. Go for it. Oh, that's good. Yes. Oh, that's good.\n\nThat's great. Yay. That's good to hear because, you know, I'm a little bit mathematically illiterate, dyslexic, whatever you wanna say. So that's always nice to hear that I've made the right choice. Yep.\n\nYep. Okay. Yep. Yep. Yep.\n\nYes. Mhmm. Yep. Yep. Mhmm.\n\nOkay. Sure. Yep. Yep. Yeah.\n\nI get it. Okay. Okay. Yep. Okay.\n\nNo. No. All good. Okay. Okay.\n\nFabulous. What the updates on my end is that only just yesterday, you know how I had that other life insurance policy, the MetLife? I just canceled that. Only because well, they were just really incompetent. And and I just got nervous because my bank card got compromised, so I had to get a new bank card and everything.\n\nSo I've updated my bank details, so therefore, I keep getting, you know, unsuccessful. So then I contact them. Yep. This is what's happened. I've updated my bank details with them for the last three months.\n\nAnd then yesterday, I still got an email saying unsuccessful funds. We're gonna have to close your account. And I just went, you know what? Do it. Close it.\n\nAnd they they rang me and and they're going, oh, I'm so sorry. And I go, yeah. I'm really sorry too that you guys are incompetent. I said, I don't know how many times I have to provide my new banking details to you. And they still they sent me an email saying, oh, you know, we missed this payment, but that's okay.\n\nOn the July 8, we'll take out double the amount, and they specified the amount and everything. So I go, oh, yeah. Fantastic. You know, money's there. No no big issue.\n\nAnd then I get the email yesterday on the July 9 saying, oh, insufficient funds or something. And I go, oh, that is it. I can't do it anymore. So then I go, you know, who am I even providing my banking details to then? It's clearly you're not getting them.\n\nSo who's getting the bank details? Like but they couldn't answer me. Well, that's right. So I go, no. I'm happy to I go just I'm happy to close it.\n\nYou know, when you just reach that level and I go, oh, that you're incompetent. I'm not doing that anymore. So that's my that's only been my only change. Yes. So I'll do some research and look into something else.\n\nYep. I was just gonna say, can I increase that or there might be a better something better? I don't know. Yep. Yep.\n\nYep. Yeah. Actually, that'd be really good then. That'd be great. Oh, well, yeah.\n\nI don't need that much. No. Just for me is fine. Well, I don't know. What what what do you how do you work it out?\n\nSorry. Tell me. Can you just hang on one second for me? Yeah. And it is on Monday, and it is it is $3.45.\n\nOkay, girl. Bye. Sorry, Tommy. Yes. Yeah.\n\nHow do you work out? How do I No. No. No. Yes.\n\nWell, hopefully, by the time I die yes. Hopefully, by the time I die, they'll already have their houses. I'm hoping that's gonna happen in the next couple of years. But, see, you know, this is the thing. How do you know I could drop dead tomorrow?\n\nSo and I only say that because it happened to my best girlfriend last year. So and I've seen what her daughter's gone through, and I just, like, go, oh, my god father. It's, you know, it's so it was a bit of an eye opener for me. So I think that's why I just chose that amount. Yeah.\n\nJust to top it. Yeah. Yeah. That's probably a good idea. Yeah.\n\nJust just exactly what was lost with MetLife, I reckon. Just top it up. Yep. Yep. Yep.\n\nYep. Sounds great. Good on you. Thanks for that. Yep.\n\nThat's fantastic. Thank you for that. Yep. No. All good.\n\nThanks so much. Go and have a fabulous weekend in your in your warm weather. Oh, stop it. That's rude. Yep.\n\nAwesome. Good on you, Tommy. Thanks so much. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":0.71999997,"end":1.54,"sentiment":"neutral","sentiment_score":0.24423734843730927},{"text":"Fantastic.","start":7.3599997,"end":7.8599997,"sentiment":"positive","sentiment_score":0.6798504590988159},{"text":"How are you?","start":8.08,"end":8.9,"sentiment":"positive","sentiment_score":0.4128330945968628},{"text":"Hang on.","start":14.965,"end":15.525,"sentiment":"neutral","sentiment_score":0.04237526096403599},{"text":"Tell me how freezing it is.","start":15.525,"end":17.145,"sentiment":"neutral","sentiment_score":0.005414308824886878}],"sentiment":"neutral","sentiment_score":0.18029005818867258,"num_words":14,"start":0.71999997,"end":17.145},{"sentences":[{"text":"14.","start":20.485,"end":20.985,"sentiment":"neutral","sentiment_score":0.00544090336188674},{"text":"Where you are right now?","start":23.045,"end":24.505001,"sentiment":"neutral","sentiment_score":0.010298550501465798},{"text":"Oh my goodness.","start":26.59,"end":27.65,"sentiment":"neutral","sentiment_score":-0.013896772948404154},{"text":"Well, I got in my car this morning, and it said zero.","start":28.03,"end":32.370003,"sentiment":"neutral","sentiment_score":-0.05883508827537298},{"text":"So please do not tell me you are freezing.","start":35.63,"end":38.77,"sentiment":"neutral","sentiment_score":-0.09347482605112924}],"sentiment":"neutral","sentiment_score":-0.05106837189135452,"num_words":30,"start":20.485,"end":38.77},{"sentences":[{"text":"Oh my god.","start":44.055,"end":45.175,"sentiment":"neutral","sentiment_score":-0.18649306893348694},{"text":"Sometimes it's a daily basis, I can tell you.","start":45.175,"end":47.995,"sentiment":"neutral","sentiment_score":-0.09359900984499189},{"text":"Yep.","start":59.13,"end":59.63,"sentiment":"neutral","sentiment_score":-0.12771311402320862},{"text":"It sure is.","start":62.01,"end":62.97,"sentiment":"neutral","sentiment_score":-0.09639675170183182},{"text":"It sure is.","start":62.97,"end":64.03,"sentiment":"neutral","sentiment_score":-0.047732545683781304}],"sentiment":"neutral","sentiment_score":-0.10326164745186504,"num_words":19,"start":44.055,"end":64.03},{"sentences":[{"text":"So what's happening, Tommy?","start":64.09,"end":65.79,"sentiment":"neutral","sentiment_score":-0.014821628341451287},{"text":"Okay.","start":75.045006,"end":75.545006,"sentiment":"neutral","sentiment_score":0.008876221254467964},{"text":"Yes.","start":78.40501,"end":78.885,"sentiment":"neutral","sentiment_score":0.0346003919839859},{"text":"Definitely.","start":78.885,"end":79.385,"sentiment":"neutral","sentiment_score":0.04503340646624565},{"text":"Yep.","start":79.44501,"end":79.765,"sentiment":"neutral","sentiment_score":0.05743296071887016}],"sentiment":"neutral","sentiment_score":0.010832058382220566,"num_words":8,"start":64.09,"end":79.765},{"sentences":[{"text":"Sure.","start":79.765,"end":80.265,"sentiment":"neutral","sentiment_score":0.13923834264278412},{"text":"Certainly.","start":87.729996,"end":88.21,"sentiment":"neutral","sentiment_score":0.048813920468091965},{"text":"It's the twenty fourth of the first sixty nine, and the address is Number 9 Haven Lane in Diamond Creek, Victoria.","start":88.21,"end":94.71,"sentiment":"neutral","sentiment_score":0.046951789408922195},{"text":"Yes.","start":102.494995,"end":102.994995,"sentiment":"neutral","sentiment_score":0.07072720676660538},{"text":"Well, yeah, I so I do no.","start":112.1,"end":114.34,"sentiment":"neutral","sentiment_score":-0.07659935419048582}],"sentiment":"neutral","sentiment_score":0.02285714735907893,"num_words":31,"start":79.765,"end":114.34},{"sentences":[{"text":"So I do have the app because my boss was saying he was having trouble paying the contributions.","start":114.34,"end":121.0,"sentiment":"neutral","sentiment_score":-0.05879025057786041},{"text":"So I was checking.","start":123.22,"end":124.5,"sentiment":"neutral","sentiment_score":-0.003934956039302051},{"text":"So he was saying that he had to go through I don't know.","start":124.5,"end":126.975,"sentiment":"neutral","sentiment_score":-0.05779144526101076},{"text":"He had to set up some other way of paying it.","start":127.055,"end":130.035,"sentiment":"neutral","sentiment_score":-0.07779256322167137},{"text":"He couldn't just pay into the bank or something like that.","start":130.175,"end":133.235,"sentiment":"neutral","sentiment_score":-0.07580424438823354}],"sentiment":"neutral","sentiment_score":-0.06166347380106648,"num_words":57,"start":114.34,"end":133.235},{"sentences":[{"text":"But anyway, I think he's got it all sorted.","start":133.375,"end":135.775,"sentiment":"neutral","sentiment_score":0.28117817593738437},{"text":"So because I just jumped in on the app and I double checked that the contributions have been going in.","start":135.775,"end":140.895,"sentiment":"neutral","sentiment_score":0.2609135858714581},{"text":"So I think now he's paying it weekly.","start":140.895,"end":143.64,"sentiment":"neutral","sentiment_score":0.20299153216183186},{"text":"Oh, fortnightly.","start":146.1,"end":146.92,"sentiment":"neutral","sentiment_score":0.09572101011872292},{"text":"Okay.","start":151.3,"end":151.8,"sentiment":"neutral","sentiment_score":0.030769335106015205}],"sentiment":"neutral","sentiment_score":0.23987547283759342,"num_words":40,"start":133.375,"end":151.8},{"sentences":[{"text":"Yeah.","start":152.02,"end":152.52,"sentiment":"neutral","sentiment_score":0.003924943506717682},{"text":"Yep.","start":158.035,"end":158.535,"sentiment":"neutral","sentiment_score":0.012952400371432304},{"text":"Yep.","start":160.355,"end":160.855,"sentiment":"neutral","sentiment_score":0.09919583797454834},{"text":"That's all.","start":160.915,"end":161.735,"sentiment":"neutral","sentiment_score":0.3081585466861725},{"text":"Yep.","start":162.995,"end":163.235,"sentiment":"neutral","sentiment_score":0.2214939296245575}],"sentiment":"neutral","sentiment_score":0.1589807008082668,"num_words":6,"start":152.02,"end":163.235},{"sentences":[{"text":"That's good.","start":163.235,"end":163.795,"sentiment":"positive","sentiment_score":0.39338219165802},{"text":"So that was the only issue there.","start":163.795,"end":165.875,"sentiment":"neutral","sentiment_score":0.0799201854637691},{"text":"But, yeah, I do have the app and I log in.","start":165.875,"end":167.91,"sentiment":"neutral","sentiment_score":0.030838910998268562},{"text":"Now, also, my boss was telling me I can't remember exactly, but he was telling me about a month or two ago that he was reading the financial review and you guys got a bad reputation or something.","start":168.15001,"end":180.49,"sentiment":"neutral","sentiment_score":-0.25539427132982956},{"text":"Saying to me, be very Oakview.","start":182.095,"end":184.515,"sentiment":"neutral","sentiment_score":-0.24279449383417764}],"sentiment":"neutral","sentiment_score":-0.14806743079680018,"num_words":64,"start":163.235,"end":184.515},{"sentences":[{"text":"Be very careful.","start":184.97499,"end":186.035,"sentiment":"neutral","sentiment_score":-0.19578783214092255},{"text":"Yeah.","start":186.895,"end":187.295,"sentiment":"neutral","sentiment_score":-0.05547335743904114},{"text":"He goes, be very careful, Robin.","start":187.295,"end":189.155,"sentiment":"neutral","sentiment_score":-0.08879412586490314},{"text":"He said they're not you're not declaring something.","start":189.295,"end":192.11499,"sentiment":"neutral","sentiment_score":-0.13365275226533413},{"text":"And he sent me the article, but, of course, I couldn't open it because I don't subscribe to the financial review.","start":192.255,"end":197.45,"sentiment":"neutral","sentiment_score":-0.13141916479383195}],"sentiment":"neutral","sentiment_score":-0.12832374584216338,"num_words":39,"start":184.97499,"end":197.45},{"sentences":[{"text":"But I haven't spoken to him again since yeah.","start":198.06999,"end":201.26999,"sentiment":"neutral","sentiment_score":-0.04931180510256025},{"text":"Have a look.","start":201.26999,"end":201.75,"sentiment":"neutral","sentiment_score":0.007361232613523801},{"text":"So it's got something to do with Ophir and HUB24 because he goes, hey.","start":201.75,"end":205.43,"sentiment":"neutral","sentiment_score":-0.009004446066683158},{"text":"You know, because he's going, who are these people now with your super you know, I guess he's just looking after me, seeing that I've been here for so long.","start":205.43,"end":213.465,"sentiment":"neutral","sentiment_score":-0.026369809173047543},{"text":"So yeah.","start":214.645,"end":215.285,"sentiment":"neutral","sentiment_score":0.010842900723218918}],"sentiment":"neutral","sentiment_score":-0.022710228737259027,"num_words":58,"start":198.06999,"end":215.285},{"sentences":[{"text":"And I go, oh, I go, I know.","start":215.285,"end":217.205,"sentiment":"neutral","sentiment_score":-0.00799979001749307},{"text":"And then, you know, of course, life goes on.","start":217.205,"end":219.045,"sentiment":"neutral","sentiment_score":-0.015877557918429375},{"text":"So I didn't read it.","start":219.045,"end":220.005,"sentiment":"neutral","sentiment_score":-0.1342918574810028},{"text":"And then last night, when I got the message that we were gonna tell her, so, oh, I must mention that to Tommy.","start":220.005,"end":225.18001,"sentiment":"neutral","sentiment_score":-0.01890984388149303},{"text":"So I don't know.","start":226.68001,"end":227.82,"sentiment":"neutral","sentiment_score":0.06482494063675404}],"sentiment":"neutral","sentiment_score":-0.021509842357921357,"num_words":49,"start":215.285,"end":227.82},{"sentences":[{"text":"Yep.","start":230.12001,"end":230.62001,"sentiment":"neutral","sentiment_score":0.04919672757387161},{"text":"Yep.","start":241.11499,"end":241.275,"sentiment":"neutral","sentiment_score":-0.038498811423778534},{"text":"Maybe it was that.","start":241.275,"end":242.39499,"sentiment":"neutral","sentiment_score":-0.05302012339234352},{"text":"Yep.","start":242.39499,"end":242.89499,"sentiment":"neutral","sentiment_score":0.057716887444257736},{"text":"Yeah.","start":253.49,"end":253.99,"sentiment":"neutral","sentiment_score":-0.01586705818772316}],"sentiment":"neutral","sentiment_score":-0.019941593520343304,"num_words":8,"start":230.12001,"end":253.99},{"sentences":[{"text":"Okay.","start":262.755,"end":263.255,"sentiment":"neutral","sentiment_score":-0.03869748115539551},{"text":"Yeah.","start":263.315,"end":263.715,"sentiment":"neutral","sentiment_score":-0.04452299699187279},{"text":"Maybe it was something to do with that.","start":263.715,"end":265.23502,"sentiment":"neutral","sentiment_score":-0.12681621685624123},{"text":"I don't know.","start":265.23502,"end":265.875,"sentiment":"neutral","sentiment_score":-0.1145068605740865},{"text":"As I said, I did not even read the article, but I thought, oh, maybe you can enlighten me.","start":265.875,"end":270.45502,"sentiment":"neutral","sentiment_score":-0.07377561181783676}],"sentiment":"neutral","sentiment_score":-0.08884398185182363,"num_words":32,"start":262.755,"end":270.45502},{"sentences":[{"text":"But obviously not.","start":271.155,"end":272.115,"sentiment":"neutral","sentiment_score":-0.08348459998766582},{"text":"That's okay.","start":272.115,"end":272.855,"sentiment":"neutral","sentiment_score":-0.045050484128296375},{"text":"Okay.","start":274.675,"end":275.175,"sentiment":"neutral","sentiment_score":-0.005321318283677101},{"text":"Well yeah.","start":279.25,"end":279.88998,"sentiment":"neutral","sentiment_score":0.009026069194078445},{"text":"Well, I he he he sent it to me, but I can't read it because you have to subscribe to financial yeah.","start":279.88998,"end":286.71,"sentiment":"neutral","sentiment_score":-0.12283341671255502}],"sentiment":"neutral","sentiment_score":-0.1010053038597107,"num_words":30,"start":271.155,"end":286.71},{"sentences":[{"text":"The finance correct.","start":288.37,"end":290.15,"sentiment":"neutral","sentiment_score":-0.11222368230422337},{"text":"Yep.","start":290.365,"end":290.60498,"sentiment":"neutral","sentiment_score":-0.00783197209239006},{"text":"Yep.","start":290.60498,"end":290.925,"sentiment":"neutral","sentiment_score":0.003954118117690086},{"text":"And I go, oh god.","start":290.925,"end":291.88498,"sentiment":"neutral","sentiment_score":-0.017150569893419742},{"text":"I go whatever, you know, and then I just moved on.","start":291.88498,"end":294.38498,"sentiment":"neutral","sentiment_score":-0.036214303225278854}],"sentiment":"neutral","sentiment_score":-0.03926948027773982,"num_words":21,"start":288.37,"end":294.38498},{"sentences":[{"text":"Okay.","start":298.84497,"end":299.32498,"sentiment":"positive","sentiment_score":0.5516484975814819},{"text":"Go for it.","start":299.32498,"end":300.22498,"sentiment":"positive","sentiment_score":0.6682989398638407},{"text":"Oh, that's good.","start":304.83002,"end":306.13,"sentiment":"neutral","sentiment_score":0.21402051486074924},{"text":"Yes.","start":317.845,"end":318.345,"sentiment":"neutral","sentiment_score":0.14157651364803314},{"text":"Oh, that's good.","start":333.46,"end":334.44,"sentiment":"positive","sentiment_score":0.5417089859644572}],"sentiment":"positive","sentiment_score":0.45139184848151426,"num_words":11,"start":298.84497,"end":334.44},{"sentences":[{"text":"That's great.","start":346.76498,"end":347.66498,"sentiment":"positive","sentiment_score":0.802056610584259},{"text":"Yay.","start":349.32498,"end":349.805,"sentiment":"positive","sentiment_score":0.67963045835495},{"text":"That's good to hear because, you know, I'm a little bit mathematically illiterate, dyslexic, whatever you wanna say.","start":349.805,"end":357.185,"sentiment":"neutral","sentiment_score":0.22050920273694727},{"text":"So that's always nice to hear that I've made the right choice.","start":357.63,"end":363.57,"sentiment":"positive","sentiment_score":0.5727677767475446},{"text":"Yep.","start":383.54498,"end":383.705,"sentiment":"neutral","sentiment_score":0.15900957584381104}],"sentiment":"positive","sentiment_score":0.3907391831059666,"num_words":34,"start":346.76498,"end":383.705},{"sentences":[{"text":"Yep.","start":383.705,"end":384.205,"sentiment":"neutral","sentiment_score":0.17626246809959412},{"text":"Okay.","start":394.23,"end":394.73,"sentiment":"neutral","sentiment_score":0.19310125708580017},{"text":"Yep.","start":400.79,"end":401.29,"sentiment":"neutral","sentiment_score":0.0812215656042099},{"text":"Yep.","start":404.685,"end":405.185,"sentiment":"neutral","sentiment_score":0.0888485461473465},{"text":"Yep.","start":415.085,"end":415.585,"sentiment":"neutral","sentiment_score":0.08464892208576202}],"sentiment":"neutral","sentiment_score":0.12481655180454254,"num_words":5,"start":383.705,"end":415.585},{"sentences":[{"text":"Yes.","start":415.805,"end":416.25,"sentiment":"neutral","sentiment_score":0.13341063261032104},{"text":"Mhmm.","start":431.415,"end":431.915,"sentiment":"neutral","sentiment_score":0.09284437447786333},{"text":"Yep.","start":442.455,"end":442.955,"sentiment":"neutral","sentiment_score":0.08870705962181091},{"text":"Yep.","start":455.22,"end":455.72,"sentiment":"neutral","sentiment_score":0.04349183291196823},{"text":"Mhmm.","start":471.84,"end":472.34,"sentiment":"neutral","sentiment_score":0.09632012248039246}],"sentiment":"neutral","sentiment_score":0.09095480442047119,"num_words":5,"start":415.805,"end":472.34},{"sentences":[{"text":"Okay.","start":478.47998,"end":478.97998,"sentiment":"neutral","sentiment_score":0.010699201375246048},{"text":"Sure.","start":490.605,"end":491.08502,"sentiment":"neutral","sentiment_score":0.0025007687509059906},{"text":"Yep.","start":491.08502,"end":491.58502,"sentiment":"neutral","sentiment_score":0.059735964983701706},{"text":"Yep.","start":506.83,"end":507.33,"sentiment":"neutral","sentiment_score":0.06587425619363785},{"text":"Yeah.","start":508.03,"end":508.35,"sentiment":"neutral","sentiment_score":0.0174381323158741}],"sentiment":"neutral","sentiment_score":0.03124966472387314,"num_words":5,"start":478.47998,"end":508.35},{"sentences":[{"text":"I get it.","start":508.35,"end":509.25,"sentiment":"neutral","sentiment_score":-0.061837258438269295},{"text":"Okay.","start":511.635,"end":512.135,"sentiment":"neutral","sentiment_score":0.10507215559482574},{"text":"Okay.","start":542.365,"end":542.865,"sentiment":"neutral","sentiment_score":0.1493903547525406},{"text":"Yep.","start":545.32495,"end":545.82495,"sentiment":"neutral","sentiment_score":0.01160863321274519},{"text":"Okay.","start":561.78,"end":562.28,"sentiment":"neutral","sentiment_score":0.06696288287639618}],"sentiment":"neutral","sentiment_score":0.021074607303099974,"num_words":7,"start":508.35,"end":562.28},{"sentences":[{"text":"No.","start":562.74,"end":563.24,"sentiment":"neutral","sentiment_score":-0.032944392412900925},{"text":"No.","start":563.38,"end":563.86,"sentiment":"neutral","sentiment_score":-0.039496708661317825},{"text":"All good.","start":563.86,"end":564.68,"sentiment":"neutral","sentiment_score":0.2718117758631706},{"text":"Okay.","start":594.165,"end":594.665,"sentiment":"neutral","sentiment_score":0.0766969621181488},{"text":"Okay.","start":597.845,"end":598.345,"sentiment":"neutral","sentiment_score":0.3143928050994873}],"sentiment":"neutral","sentiment_score":0.14371203631162643,"num_words":6,"start":562.74,"end":598.345},{"sentences":[{"text":"Fabulous.","start":598.565,"end":599.065,"sentiment":"positive","sentiment_score":0.5838350653648376},{"text":"What the updates on my end is that only just yesterday, you know how I had that other life insurance policy, the MetLife?","start":605.47003,"end":614.05,"sentiment":"neutral","sentiment_score":-0.13977579124595807},{"text":"I just canceled that.","start":616.19,"end":617.73004,"sentiment":"neutral","sentiment_score":-0.2630647048354149},{"text":"Only because well, they were just really incompetent.","start":619.935,"end":624.435,"sentiment":"negative","sentiment_score":-0.6242529265582561},{"text":"And and I just got nervous because my bank card got compromised, so I had to get a new bank card and everything.","start":626.255,"end":635.97,"sentiment":"negative","sentiment_score":-0.3952715578286544}],"sentiment":"neutral","sentiment_score":-0.301161630426423,"num_words":59,"start":598.565,"end":635.97},{"sentences":[{"text":"So I've updated my bank details, so therefore, I keep getting, you know, unsuccessful.","start":636.43,"end":642.29,"sentiment":"negative","sentiment_score":-0.3649843420301165},{"text":"So then I contact them.","start":642.50995,"end":643.70996,"sentiment":"negative","sentiment_score":-0.35543744564056395},{"text":"Yep.","start":643.70996,"end":644.02997,"sentiment":"neutral","sentiment_score":-0.1240306943655014},{"text":"This is what's happened.","start":644.02997,"end":644.925,"sentiment":"neutral","sentiment_score":-0.1955244056880474},{"text":"I've updated my bank details with them for the last three months.","start":645.165,"end":650.225,"sentiment":"neutral","sentiment_score":-0.1603629911939303}],"sentiment":"neutral","sentiment_score":-0.2699292285574807,"num_words":36,"start":636.43,"end":650.225},{"sentences":[{"text":"And then yesterday, I still got an email saying unsuccessful funds.","start":650.845,"end":657.165,"sentiment":"neutral","sentiment_score":-0.2854563160376115},{"text":"We're gonna have to close your account.","start":657.165,"end":658.8,"sentiment":"negative","sentiment_score":-0.4309712988989694},{"text":"And I just went, you know what?","start":659.04,"end":660.5,"sentiment":"neutral","sentiment_score":-0.2131222848381315},{"text":"Do it.","start":660.8,"end":661.54,"sentiment":"neutral","sentiment_score":-0.19098278135061264},{"text":"Close it.","start":661.76,"end":662.66,"sentiment":"neutral","sentiment_score":-0.17351622134447098}],"sentiment":"neutral","sentiment_score":-0.2888852609642621,"num_words":29,"start":650.845,"end":662.66},{"sentences":[{"text":"And they they rang me and and they're going, oh, I'm so sorry.","start":664.56,"end":668.0,"sentiment":"neutral","sentiment_score":-0.24271054107409257},{"text":"And I go, yeah.","start":668.0,"end":668.95996,"sentiment":"neutral","sentiment_score":-0.25737811625003815},{"text":"I'm really sorry too that you guys are incompetent.","start":668.95996,"end":671.45996,"sentiment":"negative","sentiment_score":-0.6370352904001871},{"text":"I said, I don't know how many times I have to provide my new banking details to you.","start":671.6,"end":676.135,"sentiment":"negative","sentiment_score":-0.3396837322248353},{"text":"And they still they sent me an email saying, oh, you know, we missed this payment, but that's okay.","start":676.355,"end":682.775,"sentiment":"neutral","sentiment_score":-0.10495353999890779}],"sentiment":"neutral","sentiment_score":-0.28613478654906865,"num_words":63,"start":664.56,"end":682.775},{"sentences":[{"text":"On the July 8, we'll take out double the amount, and they specified the amount and everything.","start":683.075,"end":688.775,"sentiment":"neutral","sentiment_score":0.03493683883810744},{"text":"So I go, oh, yeah.","start":688.86,"end":689.82,"sentiment":"neutral","sentiment_score":0.16708303689956666},{"text":"Fantastic.","start":689.82,"end":690.32,"sentiment":"positive","sentiment_score":0.715135931968689},{"text":"You know, money's there.","start":690.38,"end":691.42,"sentiment":"positive","sentiment_score":0.4443550482392311},{"text":"No no big issue.","start":691.42,"end":692.64,"sentiment":"neutral","sentiment_score":0.09798748418688774}],"sentiment":"neutral","sentiment_score":0.13915637117480079,"num_words":31,"start":683.075,"end":692.64},{"sentences":[{"text":"And then I get the email yesterday on the July 9 saying, oh, insufficient funds or something.","start":692.86,"end":698.45996,"sentiment":"neutral","sentiment_score":-0.2592061398660435},{"text":"And I go, oh, that is it.","start":698.45996,"end":699.89996,"sentiment":"neutral","sentiment_score":-0.3120055965014866},{"text":"I can't do it anymore.","start":699.89996,"end":701.12,"sentiment":"negative","sentiment_score":-0.45195904970169065},{"text":"So then I go, you know, who am I even providing my banking details to then?","start":702.165,"end":706.40497,"sentiment":"neutral","sentiment_score":-0.14664560649544},{"text":"It's clearly you're not getting them.","start":706.40497,"end":708.265,"sentiment":"neutral","sentiment_score":-0.26939401030540466}],"sentiment":"neutral","sentiment_score":-0.2512359326960994,"num_words":51,"start":692.86,"end":708.265},{"sentences":[{"text":"So who's getting the bank details?","start":708.565,"end":710.64496,"sentiment":"neutral","sentiment_score":-0.10245908175905545},{"text":"Like but they couldn't answer me.","start":710.64496,"end":712.985,"sentiment":"neutral","sentiment_score":-0.11049705557525158},{"text":"Well, that's right.","start":713.285,"end":714.005,"sentiment":"neutral","sentiment_score":-0.08819487194220225},{"text":"So I go, no.","start":714.005,"end":714.725,"sentiment":"neutral","sentiment_score":-0.18911227583885193},{"text":"I'm happy to I go just I'm happy to close it.","start":714.725,"end":717.36,"sentiment":"neutral","sentiment_score":-0.31343667480078613}],"sentiment":"neutral","sentiment_score":-0.19155246553321678,"num_words":30,"start":708.565,"end":717.36},{"sentences":[{"text":"You know, when you just reach that level and I go, oh, that you're incompetent.","start":717.44,"end":721.54,"sentiment":"negative","sentiment_score":-0.3587922821442286},{"text":"I'm not doing that anymore.","start":721.6,"end":722.98,"sentiment":"negative","sentiment_score":-0.44549530148506167},{"text":"So that's my that's only been my only change.","start":726.0,"end":728.98,"sentiment":"neutral","sentiment_score":-0.016989214623916067},{"text":"Yes.","start":729.04,"end":729.495,"sentiment":"neutral","sentiment_score":0.033547159284353256},{"text":"So I'll do some research and look into something else.","start":729.815,"end":733.915,"sentiment":"neutral","sentiment_score":0.006843335088342428}],"sentiment":"neutral","sentiment_score":-0.1915070790259051,"num_words":40,"start":717.44,"end":733.915},{"sentences":[{"text":"Yep.","start":745.06006,"end":745.56006,"sentiment":"neutral","sentiment_score":0.057789482176303864},{"text":"I was just gonna say, can I increase that or there might be a better something better?","start":747.86005,"end":753.94,"sentiment":"neutral","sentiment_score":-0.031369438285336775},{"text":"I don't know.","start":753.94,"end":754.84,"sentiment":"neutral","sentiment_score":-0.07702505091826121},{"text":"Yep.","start":766.495,"end":766.995,"sentiment":"neutral","sentiment_score":0.024073904380202293},{"text":"Yep.","start":777.97,"end":778.47,"sentiment":"neutral","sentiment_score":0.006660838145762682}],"sentiment":"neutral","sentiment_score":-0.029383972995793043,"num_words":23,"start":745.06006,"end":778.47},{"sentences":[{"text":"Yep.","start":784.275,"end":784.775,"sentiment":"neutral","sentiment_score":0.12852203845977783},{"text":"Yeah.","start":794.91504,"end":795.315,"sentiment":"neutral","sentiment_score":0.0899265706539154},{"text":"Actually, that'd be really good then.","start":795.315,"end":796.835,"sentiment":"neutral","sentiment_score":0.27823873112599057},{"text":"That'd be great.","start":796.835,"end":797.73505,"sentiment":"positive","sentiment_score":0.7034881313641866},{"text":"Oh, well, yeah.","start":807.83,"end":808.39,"sentiment":"neutral","sentiment_score":-0.09215680758158366}],"sentiment":"neutral","sentiment_score":0.26584821194410324,"num_words":14,"start":784.275,"end":808.39},{"sentences":[{"text":"I don't need that much.","start":808.39,"end":809.69,"sentiment":"neutral","sentiment_score":-0.2374013066291809},{"text":"No.","start":809.83,"end":810.07,"sentiment":"neutral","sentiment_score":-0.17082978785037994},{"text":"Just for me is fine.","start":810.07,"end":811.37,"sentiment":"neutral","sentiment_score":-0.11247375458478928},{"text":"Well, I don't know.","start":819.805,"end":820.84503,"sentiment":"neutral","sentiment_score":-0.13170912116765976},{"text":"What what what do you how do you work it out?","start":820.84503,"end":823.505,"sentiment":"neutral","sentiment_score":-0.12464737418023022}],"sentiment":"neutral","sentiment_score":-0.14685241132974625,"num_words":26,"start":808.39,"end":823.505},{"sentences":[{"text":"Sorry.","start":823.565,"end":823.885,"sentiment":"neutral","sentiment_score":-0.08645472675561905},{"text":"Tell me.","start":823.885,"end":824.205,"sentiment":"neutral","sentiment_score":-0.05478738248348236},{"text":"Can you just hang on one second for me?","start":824.205,"end":826.145,"sentiment":"neutral","sentiment_score":-0.028630684543814924},{"text":"Yeah.","start":843.39496,"end":843.875,"sentiment":"neutral","sentiment_score":0.058478944003582},{"text":"And it is on Monday, and it is it is $3.45.","start":843.875,"end":851.975,"sentiment":"neutral","sentiment_score":0.037182114171710884}],"sentiment":"neutral","sentiment_score":0.0005740228031451503,"num_words":24,"start":823.565,"end":851.975},{"sentences":[{"text":"Okay, girl.","start":853.235,"end":853.955,"sentiment":"neutral","sentiment_score":0.09376727789640427},{"text":"Bye.","start":853.955,"end":854.455,"sentiment":"neutral","sentiment_score":0.07743179798126221},{"text":"Sorry, Tommy.","start":857.95,"end":858.93,"sentiment":"neutral","sentiment_score":0.03867688402533531},{"text":"Yes.","start":861.71,"end":862.21,"sentiment":"neutral","sentiment_score":0.038303252309560776},{"text":"Yeah.","start":864.27,"end":864.67004,"sentiment":"neutral","sentiment_score":0.047762561589479446}],"sentiment":"neutral","sentiment_score":0.06119799081768308,"num_words":7,"start":853.235,"end":864.67004},{"sentences":[{"text":"How do you work out?","start":864.67004,"end":865.87,"sentiment":"neutral","sentiment_score":0.034050623327493666},{"text":"How do I No.","start":865.87,"end":879.625,"sentiment":"neutral","sentiment_score":-0.004311086144298315},{"text":"No.","start":879.92505,"end":880.42505,"sentiment":"neutral","sentiment_score":-0.09307634085416794},{"text":"No.","start":880.48505,"end":880.98505,"sentiment":"neutral","sentiment_score":-0.07519617676734924},{"text":"Yes.","start":896.9,"end":897.4,"sentiment":"neutral","sentiment_score":0.026308516040444378}],"sentiment":"neutral","sentiment_score":0.0009203975399335228,"num_words":12,"start":864.67004,"end":897.4},{"sentences":[{"text":"Well, hopefully, by the time I die yes.","start":913.66,"end":917.04,"sentiment":"neutral","sentiment_score":-0.06839622440747917},{"text":"Hopefully, by the time I die, they'll already have their houses.","start":917.1,"end":920.72,"sentiment":"neutral","sentiment_score":0.019191905517469753},{"text":"I'm hoping that's gonna happen in the next couple of years.","start":921.98,"end":924.95996,"sentiment":"neutral","sentiment_score":-0.13801258599216287},{"text":"But, see, you know, this is the thing.","start":926.125,"end":928.045,"sentiment":"neutral","sentiment_score":-0.17933639604598284},{"text":"How do you know I could drop dead tomorrow?","start":928.045,"end":930.465,"sentiment":"negative","sentiment_score":-0.36223962240748936}],"sentiment":"neutral","sentiment_score":-0.13934138405354732,"num_words":47,"start":913.66,"end":930.465},{"sentences":[{"text":"So and I only say that because it happened to my best girlfriend last year.","start":931.165,"end":935.905,"sentiment":"neutral","sentiment_score":-0.1530483618378639},{"text":"So and I've seen what her daughter's gone through, and I just, like, go, oh, my god father.","start":936.205,"end":941.44,"sentiment":"neutral","sentiment_score":-0.1434431883196036},{"text":"It's, you know, it's so it was a bit of an eye opener for me.","start":941.74,"end":946.24,"sentiment":"neutral","sentiment_score":-0.06443772291143736},{"text":"So I think that's why I just chose that amount.","start":946.77997,"end":949.76,"sentiment":"neutral","sentiment_score":0.029507070453837513},{"text":"Yeah.","start":955.74,"end":956.24,"sentiment":"neutral","sentiment_score":0.03428756073117256}],"sentiment":"neutral","sentiment_score":-0.09347305755462434,"num_words":59,"start":931.165,"end":956.24},{"sentences":[{"text":"Just to top it.","start":959.815,"end":960.95496,"sentiment":"neutral","sentiment_score":0.017584845423698425},{"text":"Yeah.","start":961.415,"end":961.915,"sentiment":"neutral","sentiment_score":0.029415005818009377},{"text":"Yeah.","start":962.535,"end":962.935,"sentiment":"neutral","sentiment_score":0.02661561034619808},{"text":"That's probably a good idea.","start":962.935,"end":964.71497,"sentiment":"neutral","sentiment_score":0.17843852192163467},{"text":"Yeah.","start":978.73,"end":979.13,"sentiment":"neutral","sentiment_score":-0.010839325375854967}],"sentiment":"neutral","sentiment_score":0.08397694017427663,"num_words":12,"start":959.815,"end":979.13},{"sentences":[{"text":"Just just exactly what was lost with MetLife, I reckon.","start":979.13,"end":983.29,"sentiment":"neutral","sentiment_score":-0.029469063878059386},{"text":"Just top it up.","start":983.29,"end":984.43,"sentiment":"neutral","sentiment_score":-0.004470296204090118},{"text":"Yep.","start":993.095,"end":993.595,"sentiment":"neutral","sentiment_score":0.04481587931513786},{"text":"Yep.","start":994.45496,"end":994.95496,"sentiment":"neutral","sentiment_score":0.04416586086153984},{"text":"Yep.","start":1000.77,"end":1001.27,"sentiment":"neutral","sentiment_score":0.021301615983247757}],"sentiment":"neutral","sentiment_score":-0.011899321613942875,"num_words":17,"start":979.13,"end":1001.27},{"sentences":[{"text":"Yep.","start":1009.97003,"end":1010.37,"sentiment":"neutral","sentiment_score":0.13237264752388},{"text":"Sounds great.","start":1010.37,"end":1011.27,"sentiment":"positive","sentiment_score":0.4446115791797638},{"text":"Good on you.","start":1011.33,"end":1011.97003,"sentiment":"positive","sentiment_score":0.5299980143706003},{"text":"Thanks for that.","start":1011.97003,"end":1012.875,"sentiment":"positive","sentiment_score":0.6406072974205017},{"text":"Yep.","start":1023.355,"end":1023.855,"sentiment":"neutral","sentiment_score":0.15792229771614075}],"sentiment":"positive","sentiment_score":0.4691334038972855,"num_words":10,"start":1009.97003,"end":1023.855},{"sentences":[{"text":"That's fantastic.","start":1026.075,"end":1026.895,"sentiment":"positive","sentiment_score":0.6802131235599518},{"text":"Thank you for that.","start":1027.115,"end":1028.13,"sentiment":"positive","sentiment_score":0.6923150718212128},{"text":"Yep.","start":1039.57,"end":1040.07,"sentiment":"neutral","sentiment_score":0.06060883402824402},{"text":"No.","start":1040.13,"end":1040.53,"sentiment":"neutral","sentiment_score":-0.058534517884254456},{"text":"All good.","start":1040.53,"end":1041.09,"sentiment":"positive","sentiment_score":0.466472327709198}],"sentiment":"positive","sentiment_score":0.506470550596714,"num_words":10,"start":1026.075,"end":1041.09},{"sentences":[{"text":"Thanks so much.","start":1041.09,"end":1042.155,"sentiment":"positive","sentiment_score":0.7092769940694174},{"text":"Go and have a fabulous weekend in your in your warm weather.","start":1042.235,"end":1045.535,"sentiment":"positive","sentiment_score":0.6963201959927877},{"text":"Oh, stop it.","start":1052.795,"end":1053.435,"sentiment":"neutral","sentiment_score":-0.2530329426129659},{"text":"That's rude.","start":1053.435,"end":1054.17,"sentiment":"negative","sentiment_score":-0.5038789659738541},{"text":"Yep.","start":1061.29,"end":1061.79,"sentiment":"neutral","sentiment_score":0.04872039705514908}],"sentiment":"positive","sentiment_score":0.41740652244715465,"num_words":21,"start":1041.09,"end":1061.79},{"sentences":[{"text":"Awesome.","start":1066.89,"end":1067.39,"sentiment":"positive","sentiment_score":0.5800120830535889},{"text":"Good on you, Tommy.","start":1067.53,"end":1068.41,"sentiment":"positive","sentiment_score":0.7432612031698227},{"text":"Thanks so much.","start":1068.41,"end":1069.39,"sentiment":"positive","sentiment_score":0.8123663862546285},{"text":"Okay.","start":1072.293,"end":1072.693,"sentiment":"neutral","sentiment_score":0.1843647658824921},{"text":"Bye.","start":1072.693,"end":1073.193,"sentiment":"neutral","sentiment_score":0.19279980659484863}],"sentiment":"positive","sentiment_score":0.6367320626974106,"num_words":10,"start":1066.89,"end":1073.193}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning.\n\nChannel 0: Good morning, Robin. It's Tommy here, senior adviser at Oakview. How are you doing this fine Friday?\n\nChannel 1: Fantastic. How are you?\n\nChannel 0: I'm living the dream. It's freezing, overcast, otherwise beautiful. Your\n\nChannel 1: Hang on. Tell me how freezing it is.\n\nChannel 0: end? I think it's 14.\n\nChannel 1: 14.\n\nChannel 0: Yeah.\n\nChannel 1: Where you are right now?\n\nChannel 0: Yeah. That's just what we woke\n\nChannel 1: Oh my\n\nChannel 0: up to.\n\nChannel 1: goodness. Well, I got in my car this morning, and it said zero.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: What\n\nChannel 1: please\n\nChannel 0: is\n\nChannel 1: do\n\nChannel 0: it\n\nChannel 1: not\n\nChannel 0: with Victoria\n\nChannel 1: tell me\n\nChannel 0: going\n\nChannel 1: you\n\nChannel 0: up\n\nChannel 1: are\n\nChannel 0: and down\n\nChannel 1: freezing.\n\nChannel 0: to why does Victoria go between summer and winter on a weekly basis? It's\n\nChannel 1: Oh\n\nChannel 0: very\n\nChannel 1: my\n\nChannel 0: strange.\n\nChannel 1: god. Sometimes it's a daily basis, I can tell you.\n\nChannel 0: Look. When I went up there for my thirtieth in Melbourne, we arrived in jumpers and factory pants, and then two days later, board shorts at the beach. And I was just\n\nChannel 1: Yep.\n\nChannel 0: like, this is the strangest thing.\n\nChannel 1: It sure is. It sure is. So what's happening, Tommy?\n\nChannel 0: I've got you for a quick catch up for your quarterly review, and I've emailed you through a bit of a performance update. Do you mind if\n\nChannel 1: Okay.\n\nChannel 0: I just quickly check the security with you just for your information?\n\nChannel 1: Yes. Definitely. Yep. Sure.\n\nChannel 0: Amazing. It's it's very important that I do I know it is you, but if you could please just confirm your date of birth and address for me.\n\nChannel 1: Certainly. It's the twenty fourth of the first sixty nine, and the address is Number 9 Haven Lane in Diamond Creek, Victoria.\n\nChannel 0: Perfect. Perfect. Perfect. Now with the Hub twenty four Super, we got you across from Host Plus, and\n\nChannel 1: Yes.\n\nChannel 0: you went through got the insurances sorted. It's all been consolidated a few months ago. Now do you usually log in to the Hub to keep an eye on it, or is it more\n\nChannel 1: Well,\n\nChannel 0: wait\n\nChannel 1: yeah,\n\nChannel 0: for our\n\nChannel 1: I\n\nChannel 0: catch\n\nChannel 1: so I do no. So I do have the app because my boss was saying he\n\nChannel 0: ups?\n\nChannel 1: was having trouble paying the contributions.\n\nChannel 0: Yes.\n\nChannel 1: So I was checking. So he was saying that he had to go through I don't know. He had to set up some other way of paying it. He couldn't just pay into the bank or something like that. But anyway,\n\nChannel 0: Yeah. Right.\n\nChannel 1: I think he's got it all sorted. So because I just jumped in on the app and I double checked that the contributions have been going in. So I think now he's paying it weekly.\n\nChannel 0: Yeah. Yep. I I\n\nChannel 1: Oh,\n\nChannel 0: can see\n\nChannel 1: fortnightly.\n\nChannel 0: it coming in weekly, and they did a couple of catch ups. So\n\nChannel 1: Okay.\n\nChannel 0: whatever was\n\nChannel 1: Yeah.\n\nChannel 0: kind of owing, there was a couple of double payments that went in there, but you're getting white horses coming\n\nChannel 1: Yep.\n\nChannel 0: in, the Ravi is coming in.\n\nChannel 1: Yep.\n\nChannel 0: Everything's\n\nChannel 1: That's\n\nChannel 0: kind\n\nChannel 1: all.\n\nChannel 0: of flowing in quite nicely.\n\nChannel 1: Yep. That's good. So that was the only issue there. But, yeah, I do have the app and I log in. Now, also, my boss was telling me I can't remember exactly, but he was telling me about a month or two ago that he was reading the financial review and you guys got a bad reputation or something.\n\nChannel 0: Oh,\n\nChannel 1: Saying\n\nChannel 0: who\n\nChannel 1: to\n\nChannel 0: got a bad\n\nChannel 1: me, be\n\nChannel 0: reputation\n\nChannel 1: very\n\nChannel 0: for something?\n\nChannel 1: Oakview. Be very careful.\n\nChannel 0: Oakview.\n\nChannel 1: Yeah. He goes,\n\nChannel 0: Oh.\n\nChannel 1: be very careful, Robin. He said they're not you're not declaring something. And he sent me the article, but, of course, I couldn't open it because I don't subscribe to the financial review. But I haven't\n\nChannel 0: Yeah. Right.\n\nChannel 1: spoken\n\nChannel 0: Well,\n\nChannel 1: to him\n\nChannel 0: I\n\nChannel 1: again\n\nChannel 0: will have\n\nChannel 1: since\n\nChannel 0: a look.\n\nChannel 1: yeah. Have a look. So it's got something to do with Ophir and HUB24 because he goes, hey. You know, because he's going, who are these people now with your super you know, I guess he's just looking after me, seeing that I've been here for so long. So yeah.\n\nAnd I go, oh, I go, I know. And then, you know, of course, life goes on. So I didn't read it. And then last night, when I got the message that we were gonna tell her, so, oh, I must mention that to Tommy.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: So I don't know.\n\nChannel 0: I'll I'll have a little hunt around on the AFR. And,\n\nChannel 1: Yep.\n\nChannel 0: no. Normally, we've got pretty good pretty good reviews and reputation in the industry. So I don't know if it's like a hub thing because of what happened with the shield master trust and all that kind of stuff or\n\nChannel 1: Yep. Maybe\n\nChannel 0: what's\n\nChannel 1: it was\n\nChannel 0: going\n\nChannel 1: that.\n\nChannel 0: on. But\n\nChannel 1: Yep.\n\nChannel 0: I'll I'll I'll have a hunt around the news. There's definitely been a lot of talk in May about conditions that the government's supplying to all the different super funds, especially\n\nChannel 1: Yeah.\n\nChannel 0: the ones who, you know, like Macquarie was allowing those investments that came on that everyone lost their money with and all that kind of thing.\n\nChannel 1: Okay. Yeah. Maybe it was something to do with that. I don't know. As I said, I did not even read the article, but I thought, oh, maybe you can enlighten me.\n\nBut obviously\n\nChannel 0: Yeah.\n\nChannel 1: not.\n\nChannel 0: No.\n\nChannel 1: That's\n\nChannel 0: I\n\nChannel 1: okay.\n\nChannel 0: haven't seen anything, but I will\n\nChannel 1: Okay.\n\nChannel 0: hunt around and have a look. So if you do have the article, look it through. That'd be awesome.\n\nChannel 1: Well yeah. Well, I he he he sent it to me, but I can't read it because you have to subscribe to financial yeah.\n\nChannel 0: Yep. The\n\nChannel 1: The\n\nChannel 0: old paywall.\n\nChannel 1: finance correct. Yep. Yep. And I go, oh god. I go whatever, you know, and then I just moved on.\n\nChannel 0: Yeah. No. Fair enough. Fair enough. Well, I do have some good news for you.\n\nChannel 1: Okay. Go for it.\n\nChannel 0: The quarterly report looks absolutely fantastic. So when\n\nChannel 1: Oh,\n\nChannel 0: I was having\n\nChannel 1: that's\n\nChannel 0: a\n\nChannel 1: good.\n\nChannel 0: little lookie today, we've had I was just doing comparison because whenever you do your first year with us, I like to at least check the super fund that you're with previously if we did recommend to move just to make sure\n\nChannel 1: Yes.\n\nChannel 0: it's still doing better. And because we pretty much recommend anybody in the industry depending on who suits. I think host plus jumped up about 1% in the last three\n\nChannel 1: Oh, that's good.\n\nChannel 0: So about 13,000 in growth in this quarterly report, and your contribution is flowing in nicely. Everything's jumped up well above 200,000 now. So\n\nChannel 1: That's\n\nChannel 0: it's been\n\nChannel 1: great.\n\nChannel 0: a pretty good quarter.\n\nChannel 1: Yay. That's good to hear because, you know, I'm a little bit mathematically illiterate, dyslexic, whatever you wanna say. So\n\nChannel 0: Fair.\n\nChannel 1: that's always nice to hear that I've made the right choice.\n\nChannel 0: Yeah. And look, it can be a bit reassuring too. That's why I like doing the quarterly catch ups just to say, hey. Like, you've taken the leap. You've paid thousands of dollars in fees.\n\nYou've gone through this whole process with us. How's it actually going? And that's why I love these quarterly catch ups just to sort of explain the ins and outs of what's going on.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Don't have to go too technical with it, but there's a few things I definitely wanna point out to you today just so you've got the right expectations as well.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Now in the report that I sent you so whenever I send you these reports, there's always two pages. The\n\nChannel 1: Yep.\n\nChannel 0: first one is this big fancy table that's got all your investment\n\nChannel 1: Yep.\n\nChannel 0: options on there. And that way, I can do a full breakdown of how each one is good. So, you know, how's gold doing? How's the shares doing? How's the property doing?\n\nThat kind of thing. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Second page is always how your overall super is doing when you put all of it together. So that's kind of the way to read it is here's all my little options and what they're invested in. Second one is how's my super done?\n\nChannel 1: Mhmm.\n\nChannel 0: Now with the options that you've got, pretty much because we've got you in a high growth portfolio, it's kind of behaving exactly as I would expect it to in\n\nChannel 1: Yep.\n\nChannel 0: terms of going up and down like crazy every week, every month. Because that's that high growth approach. Right? You've got all your money Right. And they have a little bit of a cost to ride.\n\nChannel 1: Yep.\n\nChannel 0: You've had, for example, after Christmas, gold went back down from its huge high, so that dropped about 11%. But then you've got some cybersecurity shares that jumped up 46%, Japan going up, Europe going up, all that kind of thing. So\n\nChannel 1: Mhmm.\n\nChannel 0: when I look at it, every little piece in the cog is kind of playing its part as I would expect.\n\nChannel 1: Okay.\n\nChannel 0: Now just bear in mind what that means is because the world is still very uncertain for the next six months at least, I am expecting it to jump up and down quite a bit.\n\nChannel 1: Sure. Yep.\n\nChannel 0: Now what that basically means is you could see if things go extreme, you could go from 202,000 down to a hundred and 85,000 and then be back up to 230,000 three months later. That's\n\nChannel 1: Yep.\n\nChannel 0: kind of what I would\n\nChannel 1: Yeah.\n\nChannel 0: expect\n\nChannel 1: I get\n\nChannel 0: to happen\n\nChannel 1: it.\n\nChannel 0: if the world continues to explode.\n\nChannel 1: Okay.\n\nChannel 0: Okay? The aim of the game, obviously, is to just average out at a good return over a long period. So over three, five, seven, ten years to just consistently get those double digits, get that 10% or above. I know when we went through your advice piece, the previous returns were, like, 19%. It was very fantastic five years.\n\nBut, again, we need to make sure that we're getting you, like, that minimum benchmark to get you to your goals.\n\nChannel 1: Okay.\n\nChannel 0: Okay? So overall,\n\nChannel 1: Yep.\n\nChannel 0: insurances are in place, contributions are doing well, the funds jumped up quite a bit, and now it's just a matter of allowing the markets to kinda do their thing over a period of time. K. Do you have any questions on on that so far, Rob?\n\nChannel 1: Okay. No. No. All good.\n\nChannel 0: Perfect. Now what we'll basically do from here is reviewing all the options within the super. And if we need to change anything, we'll discuss that with you then as well. At the moment, there's no alarm bells that I need to do anything with it right now. And outside of that, look, if there's any major changes in the industry where we need to change super funds, we can obviously do that advice too, and it's\n\nChannel 1: Okay.\n\nChannel 0: all incorporated in the service that you pay for.\n\nChannel 1: Okay. Fabulous.\n\nChannel 0: Okay? Now is there anything else, like, updates on your end? How's everything been going on your\n\nChannel 1: What the updates on my end is that only just yesterday, you know how I had that other life insurance policy, the MetLife?\n\nChannel 0: yes.\n\nChannel 1: I just canceled that.\n\nChannel 0: Okay.\n\nChannel 1: Only because\n\nChannel 0: MetLife is\n\nChannel 1: well, they were just really incompetent.\n\nChannel 0: gone.\n\nChannel 1: And\n\nChannel 0: Right.\n\nChannel 1: and\n\nChannel 0: Okay.\n\nChannel 1: I just got nervous because my bank card got compromised, so I had to get a new bank card and everything. So I've updated my bank details, so therefore, I keep getting, you know, unsuccessful. So then I contact them. Yep. This is what's happened.\n\nI've updated my bank details with them for the last three months. And then yesterday, I still got an email saying unsuccessful funds. We're gonna have to close your account. And I just went, you know what?\n\nChannel 0: Wow.\n\nChannel 1: Do it. Close\n\nChannel 0: Buggy.\n\nChannel 1: it. And\n\nChannel 0: Okay.\n\nChannel 1: they they rang\n\nChannel 0: Well\n\nChannel 1: me and and they're going, oh, I'm so sorry. And I go, yeah. I'm really sorry too that you guys are incompetent. I said, I don't know how many times I have to provide my new banking details to you. And they still they sent me an email saying, oh, you know, we missed this payment, but that's okay.\n\nOn the July 8, we'll take out double the amount, and they specified the amount and everything. So I go, oh, yeah. Fantastic. You know, money's there. No no big issue.\n\nAnd then I get the email yesterday on the July 9 saying, oh, insufficient funds or something. And I go, oh, that is it. I can't do it anymore. So then I go,\n\nChannel 0: Wow. Yep.\n\nChannel 1: you know, who\n\nChannel 0: Too\n\nChannel 1: am\n\nChannel 0: much\n\nChannel 1: I even\n\nChannel 0: pain.\n\nChannel 1: providing my banking details to then? It's clearly you're not getting them. So who's getting the bank details? Like but they\n\nChannel 0: And\n\nChannel 1: couldn't\n\nChannel 0: where are they\n\nChannel 1: answer\n\nChannel 0: going to?\n\nChannel 1: me. Well, that's right. So I go, no. I'm happy to I go just I'm happy to close it. You know, when you just reach that level and I go, oh, that you're incompetent.\n\nI'm not doing that anymore.\n\nChannel 0: Yeah. No. That's fair enough. That is\n\nChannel 1: So\n\nChannel 0: fair\n\nChannel 1: that's\n\nChannel 0: enough. So\n\nChannel 1: my\n\nChannel 0: I'll\n\nChannel 1: that's\n\nChannel 0: update\n\nChannel 1: only\n\nChannel 0: our system\n\nChannel 1: been my\n\nChannel 0: then\n\nChannel 1: only\n\nChannel 0: with\n\nChannel 1: change.\n\nChannel 0: that.\n\nChannel 1: Yes. So I'll do\n\nChannel 0: K.\n\nChannel 1: some research and look into something else.\n\nChannel 0: Okay. I mean, if you ever need it, we can do the old software plug and see who can offer some life insurance. I know we've already got the Zurich in place.\n\nChannel 1: Yep.\n\nChannel 0: You can always increase Zurich life insurance\n\nChannel 1: I\n\nChannel 0: if\n\nChannel 1: was\n\nChannel 0: you want,\n\nChannel 1: just\n\nChannel 0: hunt\n\nChannel 1: gonna say,\n\nChannel 0: around.\n\nChannel 1: can I increase that or there might be a better something better? I don't know.\n\nChannel 0: Yeah. Look. It's pretty standard to I mean, with any increase or new benefit, they do ask you those questions about has your health changed and all that kind of thing\n\nChannel 1: Yep.\n\nChannel 0: underwriting. But, yeah, Zurich can increase the life insurance. And one of the things is if you pay for it through super, you do get the 15% rebate off of it anyway. So\n\nChannel 1: Yep.\n\nChannel 0: even if you wanted to contribute the amount that you were paying in premium into the super\n\nChannel 1: Yep.\n\nChannel 0: and pay for it through there, you kind of get a bit of a 15% off. But we do have access to all the different insurers anyway, so I can always do a bit of a hunt around for you if you like.\n\nChannel 1: Yeah. Actually, that'd be really\n\nChannel 0: Yeah.\n\nChannel 1: good then. That'd be great.\n\nChannel 0: K. With the amount, do you still want to kind of replace the million dollars that you had, or how much do you feel like you actually need?\n\nChannel 1: Oh, well, yeah. I don't need that much. No. Just for me is fine.\n\nChannel 0: Because I can always do quotes for a lower amount if you feel like that was a bit too much.\n\nChannel 1: Well, I don't know. What what what do you how do you work it out? Sorry. Tell me. Can you just hang on\n\nChannel 0: Go\n\nChannel 1: one second\n\nChannel 0: on.\n\nChannel 1: for me?\n\nChannel 0: Yeah. Go for it.\n\nChannel 1: Yeah. And it is on Monday, and it is it is $3.45. Okay, girl. Bye. Sorry, Tommy.\n\nChannel 0: You're right. So when it\n\nChannel 1: Yes.\n\nChannel 0: comes to calculating\n\nChannel 1: Yeah. How do you work out? How do I\n\nChannel 0: Well, the simple thing with life insurance is the step number one is clearing debt, but it doesn't look like you have much in the way of huge loans or anything floating around besides\n\nChannel 1: No.\n\nChannel 0: the personal loan.\n\nChannel 1: No. No.\n\nChannel 0: So from that point, then step number two is, like, income replacement. Let's say you passed away and someone's reliant on your income, replacing that. But I think the main thing is you probably have that life insurance for your dependents.\n\nChannel 1: Yes.\n\nChannel 0: So are we trying to set them up with enough to purchase a house, or is it to, you know, look after them for a certain period of time? What would kind of be the the scenario? I don't wanna, you know, go too\n\nChannel 1: Well,\n\nChannel 0: deep into\n\nChannel 1: hopefully,\n\nChannel 0: it, but\n\nChannel 1: by the\n\nChannel 0: if\n\nChannel 1: time\n\nChannel 0: you were\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: die\n\nChannel 0: park them.\n\nChannel 1: yes. Hopefully, by the time\n\nChannel 0: Yeah.\n\nChannel 1: I die, they'll already have their houses. I'm hoping that's gonna happen in the next couple of years. But, see, you know, this is the thing. How do you know I could drop dead tomorrow? So and I only say that because it happened to my best girlfriend last year.\n\nSo and I've\n\nChannel 0: No.\n\nChannel 1: seen what her daughter's gone through, and I just, like, go, oh, my god father. It's, you know, it's so it was a bit of an eye opener for me. So I think that's\n\nChannel 0: Yeah.\n\nChannel 1: why I just chose that amount.\n\nChannel 0: And you've got 300,000 already through the server as well. So\n\nChannel 1: Yeah.\n\nChannel 0: you could always do 700,000 just to make that plain million\n\nChannel 1: Just\n\nChannel 0: at\n\nChannel 1: to\n\nChannel 0: the end\n\nChannel 1: top\n\nChannel 0: of the\n\nChannel 1: it.\n\nChannel 0: day.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: A bit of\n\nChannel 1: That's\n\nChannel 0: a top\n\nChannel 1: probably\n\nChannel 0: up.\n\nChannel 1: a good idea.\n\nChannel 0: K? Now I just have to ask the question as well because they're all linked together and everything. Do you want me to do anything with, like, the TBD cover or just top up the life to replace what was lost with MetLife?\n\nChannel 1: Yeah. Just just exactly what was lost with MetLife, I reckon. Just top it up.\n\nChannel 0: Yep. Perfect. So what I'll do is I will pop off a alteration increase quote to Zurich to see what their\n\nChannel 1: Yep.\n\nChannel 0: prices look like.\n\nChannel 1: Yep.\n\nChannel 0: And then at the same time, my team will research the other insurers to see what a million dollars looks like with everybody\n\nChannel 1: Yep.\n\nChannel 0: else. And then I will put together another document, update your plan, and could probably go through that with you in a couple of weeks.\n\nChannel 1: Yep. Sounds great. Good on you. Thanks for that.\n\nChannel 0: Perfect. No worries. If you need anything, like, we're not just the the super guys. If you wanna talk about anything cash flow, property, investing related, we're here for you. And,\n\nChannel 1: Yep.\n\nChannel 0: again, everything's included in the service.\n\nChannel 1: That's fantastic. Thank you for that.\n\nChannel 0: Amazing, Robert. Well, I'm very glad we had this chat today just to reassure you that the suit is going well, and we can fix up the insurance way. Is there anything else that I can help you with today?\n\nChannel 1: Yep. No. All good. Thanks so much. Go and have a fabulous\n\nChannel 0: Amazing.\n\nChannel 1: weekend in your in your warm weather.\n\nChannel 0: I'm good. Should I say that I'm gonna get the file?\n\nChannel 1: Oh, stop it. That's rude.\n\nChannel 0: Okay, Robert. Well, what I'll do is I'll get off these requests for the quote, and then\n\nChannel 1: Yep.\n\nChannel 0: I will go hunt and run the financial review for some articles while I have a bit of a morning\n\nChannel 1: Awesome. Good on you, Tommy. Thanks so much.\n\nChannel 0: No worries, Robin. Talk to you soon.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":0.71999997,"end":1.54,"sentiment":"neutral","sentiment_score":0.24423734843730927}],"sentiment":"neutral","sentiment_score":0.24423734843730927,"channel":1,"num_words":2,"start":0.71999997,"end":1.54},{"sentences":[{"text":"Good morning, Robin.","start":2.6399999,"end":3.52,"sentiment":"neutral","sentiment_score":0.2982262074947357},{"text":"It's Tommy here, senior adviser at Oakview.","start":3.52,"end":5.44,"sentiment":"neutral","sentiment_score":0.20663427455084665},{"text":"How are you doing this fine Friday?","start":5.44,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.3258239712033953}],"sentiment":"neutral","sentiment_score":0.27187566722140594,"channel":0,"num_words":17,"start":2.6399999,"end":6.8999996},{"sentences":[{"text":"Fantastic.","start":7.3599997,"end":7.8599997,"sentiment":"positive","sentiment_score":0.6798504590988159},{"text":"How are you?","start":8.08,"end":8.9,"sentiment":"positive","sentiment_score":0.4128330945968628}],"sentiment":"positive","sentiment_score":0.4795874357223511,"channel":1,"num_words":4,"start":7.3599997,"end":8.9},{"sentences":[{"text":"I'm living the dream.","start":9.5199995,"end":10.559999,"sentiment":"positive","sentiment_score":0.5285703912377357},{"text":"It's freezing, overcast, otherwise beautiful.","start":10.559999,"end":13.059999,"sentiment":"neutral","sentiment_score":0.221045783162117},{"text":"Your","start":13.2,"end":13.7,"sentiment":"neutral","sentiment_score":0.053894124925136566}],"sentiment":"neutral","sentiment_score":0.32734046056866645,"channel":0,"num_words":10,"start":9.5199995,"end":13.7},{"sentences":[{"text":"Hang on.","start":14.965,"end":15.525,"sentiment":"neutral","sentiment_score":0.04237526096403599},{"text":"Tell me how freezing it is.","start":15.525,"end":17.145,"sentiment":"neutral","sentiment_score":0.005414308824886878}],"sentiment":"neutral","sentiment_score":0.014654546859674156,"channel":1,"num_words":8,"start":14.965,"end":17.145},{"sentences":[{"text":"end?","start":17.935001,"end":18.095001,"sentiment":"neutral","sentiment_score":-0.0036829588934779167},{"text":"I think it's 14.","start":18.095001,"end":19.395,"sentiment":"neutral","sentiment_score":-0.0023216773552121595}],"sentiment":"neutral","sentiment_score":-0.002593933662865311,"channel":0,"num_words":5,"start":17.935001,"end":19.395},{"sentences":[{"text":"14.","start":20.485,"end":20.985,"sentiment":"neutral","sentiment_score":0.00544090336188674}],"sentiment":"neutral","sentiment_score":0.00544090336188674,"channel":1,"num_words":1,"start":20.485,"end":20.985},{"sentences":[{"text":"Yeah.","start":22.095001,"end":22.595001,"sentiment":"neutral","sentiment_score":0.010767912492156029}],"sentiment":"neutral","sentiment_score":0.010767912492156029,"channel":0,"num_words":1,"start":22.095001,"end":22.595001},{"sentences":[{"text":"Where you are right now?","start":23.045,"end":24.505001,"sentiment":"neutral","sentiment_score":0.010298550501465798}],"sentiment":"neutral","sentiment_score":0.010298550501465798,"channel":1,"num_words":5,"start":23.045,"end":24.505001},{"sentences":[{"text":"Yeah.","start":25.295,"end":25.795,"sentiment":"neutral","sentiment_score":0.005880529526621103},{"text":"That's just what we woke","start":25.855,"end":26.815,"sentiment":"neutral","sentiment_score":-0.016711455211043356}],"sentiment":"neutral","sentiment_score":-0.012946124421432614,"channel":0,"num_words":6,"start":25.295,"end":26.815},{"sentences":[{"text":"Oh my","start":26.59,"end":27.15,"sentiment":"neutral","sentiment_score":-0.01884300820529461}],"sentiment":"neutral","sentiment_score":-0.01884300820529461,"channel":1,"num_words":2,"start":26.59,"end":27.15},{"sentences":[{"text":"up 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zero.","start":28.03,"end":32.370003,"sentiment":"neutral","sentiment_score":-0.05883508827537298}],"sentiment":"neutral","sentiment_score":-0.054617335518392235,"channel":1,"num_words":13,"start":27.15,"end":32.370003},{"sentences":[{"text":"No.","start":33.629997,"end":34.129997,"sentiment":"neutral","sentiment_score":-0.10854728519916534}],"sentiment":"neutral","sentiment_score":-0.10854728519916534,"channel":0,"num_words":1,"start":33.629997,"end":34.129997},{"sentences":[{"text":"So","start":35.63,"end":36.13,"sentiment":"neutral","sentiment_score":-0.0869198590517044}],"sentiment":"neutral","sentiment_score":-0.0869198590517044,"channel":1,"num_words":1,"start":35.63,"end":36.13},{"sentences":[{"text":"What","start":36.19,"end":36.43,"sentiment":"neutral","sentiment_score":-0.12695519626140594}],"sentiment":"neutral","sentiment_score":-0.12695519626140594,"channel":0,"num_words":1,"start":36.19,"end":36.43},{"sentences":[{"text":"please","start":36.190002,"end":36.59,"sentiment":"neutral","sentiment_score":-0.10322970151901244}],"sentiment":"neutral","sentiment_score":-0.10322970151901244,"channel":1,"num_words":1,"start":36.190002,"end":36.59},{"sentences":[{"text":"is","start":36.43,"end":36.59,"sentiment":"neutral","sentiment_score":-0.10113049298524857}],"sentiment":"neutral","sentiment_score":-0.10113049298524857,"channel":0,"num_words":1,"start":36.43,"end":36.59},{"sentences":[{"text":"do","start":36.59,"end":36.75,"sentiment":"neutral","sentiment_score":-0.0883055254817009}],"sentiment":"neutral","sentiment_score":-0.0883055254817009,"channel":1,"num_words":1,"start":36.59,"end":36.75},{"sentences":[{"text":"it","start":36.59,"end":36.75,"sentiment":"neutral","sentiment_score":-0.08532586693763733}],"sentiment":"neutral","sentiment_score":-0.08532586693763733,"channel":0,"num_words":1,"start":36.59,"end":36.75},{"sentences":[{"text":"not","start":36.75,"end":36.99,"sentiment":"neutral","sentiment_score":-0.06973622739315033}],"sentiment":"neutral","sentiment_score":-0.06973622739315033,"channel":1,"num_words":1,"start":36.75,"end":36.99},{"sentences":[{"text":"with Victoria","start":36.75,"end":37.489998,"sentiment":"neutral","sentiment_score":-0.08814655616879463}],"sentiment":"neutral","sentiment_score":-0.08814655616879463,"channel":0,"num_words":2,"start":36.75,"end":37.489998},{"sentences":[{"text":"tell 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it's a daily basis, I can tell you.","start":45.175,"end":47.995,"sentiment":"neutral","sentiment_score":-0.09359900984499189}],"sentiment":"neutral","sentiment_score":-0.1049818068742752,"channel":1,"num_words":10,"start":44.695,"end":47.995},{"sentences":[{"text":"Look.","start":48.805,"end":49.045,"sentiment":"neutral","sentiment_score":-0.019212476909160617},{"text":"When I went up there for my thirtieth in Melbourne, we arrived in jumpers and factory pants, and then two days later, board shorts at the beach.","start":49.045,"end":58.63,"sentiment":"neutral","sentiment_score":-0.026129959030421795},{"text":"And I was 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that life insurance for your dependents.","start":891.31,"end":896.05,"sentiment":"neutral","sentiment_score":0.010248206788673997}],"sentiment":"neutral","sentiment_score":-0.017506130221413403,"channel":0,"num_words":41,"start":882.51,"end":896.05},{"sentences":[{"text":"Yes.","start":896.9,"end":897.4,"sentiment":"neutral","sentiment_score":0.026308516040444378}],"sentiment":"neutral","sentiment_score":0.026308516040444378,"channel":1,"num_words":1,"start":896.9,"end":897.4},{"sentences":[{"text":"So are we trying to set them up with enough to purchase a house, or is it to, you know, look after them for a certain period of time?","start":898.865,"end":909.365,"sentiment":"neutral","sentiment_score":0.01936019976334325},{"text":"What would kind of be the the scenario?","start":909.745,"end":912.46,"sentiment":"neutral","sentiment_score":-0.05668481066823006},{"text":"I don't wanna, you know, go 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idea.","start":963.815,"end":964.71497,"sentiment":"neutral","sentiment_score":0.2590191413958867}],"sentiment":"neutral","sentiment_score":0.2590191413958867,"channel":1,"num_words":3,"start":963.815,"end":964.71497},{"sentences":[{"text":"K?","start":966.39,"end":966.89,"sentiment":"neutral","sentiment_score":0.05293961614370346},{"text":"Now I just have to ask the question as well because they're all linked together and everything.","start":967.75,"end":971.61,"sentiment":"neutral","sentiment_score":-0.006013055222437662},{"text":"Do you want me to do anything with, like, the TBD cover or just top up the life to replace what was lost with MetLife?","start":971.75,"end":978.01,"sentiment":"neutral","sentiment_score":-0.04266378805041313}],"sentiment":"neutral","sentiment_score":-0.0259506284627457,"channel":0,"num_words":43,"start":966.39,"end":978.01},{"sentences":[{"text":"Yeah.","start":978.73,"end":979.13,"sentiment":"neutral","sentiment_score":-0.010839325375854967},{"text":"Just just exactly what was lost with MetLife, I reckon.","start":979.13,"end":983.29,"sentiment":"neutral","sentiment_score":-0.029469063878059386},{"text":"Just top it up.","start":983.29,"end":984.43,"sentiment":"neutral","sentiment_score":-0.004470296204090118}],"sentiment":"neutral","sentiment_score":-0.021560743264853955,"channel":1,"num_words":15,"start":978.73,"end":984.43},{"sentences":[{"text":"Yep.","start":985.26495,"end":985.665,"sentiment":"neutral","sentiment_score":0.07453034073114395},{"text":"Perfect.","start":985.665,"end":986.065,"sentiment":"neutral","sentiment_score":0.1981784999370575},{"text":"So what I'll do is I will pop off a alteration increase quote to Zurich to see what their","start":986.065,"end":993.105,"sentiment":"neutral","sentiment_score":0.06870986050681065}],"sentiment":"neutral","sentiment_score":0.07515219953798112,"channel":0,"num_words":21,"start":985.26495,"end":993.105},{"sentences":[{"text":"Yep.","start":993.095,"end":993.595,"sentiment":"neutral","sentiment_score":0.04481587931513786}],"sentiment":"neutral","sentiment_score":0.04481587931513786,"channel":1,"num_words":1,"start":993.095,"end":993.595},{"sentences":[{"text":"prices look like.","start":993.105,"end":994.2,"sentiment":"neutral","sentiment_score":0.030794865762193997}],"sentiment":"neutral","sentiment_score":0.030794865762193997,"channel":0,"num_words":3,"start":993.105,"end":994.2},{"sentences":[{"text":"Yep.","start":994.45496,"end":994.95496,"sentiment":"neutral","sentiment_score":0.04416586086153984}],"sentiment":"neutral","sentiment_score":0.04416586086153984,"channel":1,"num_words":1,"start":994.45496,"end":994.95496},{"sentences":[{"text":"And then at the same time, my team will research the other insurers to see what a million dollars looks like with everybody","start":994.52,"end":1001.08,"sentiment":"neutral","sentiment_score":0.04033486674661222}],"sentiment":"neutral","sentiment_score":0.04033486674661222,"channel":0,"num_words":23,"start":994.52,"end":1001.08},{"sentences":[{"text":"Yep.","start":1000.77,"end":1001.27,"sentiment":"neutral","sentiment_score":0.021301615983247757}],"sentiment":"neutral","sentiment_score":0.021301615983247757,"channel":1,"num_words":1,"start":1000.77,"end":1001.27},{"sentences":[{"text":"else.","start":1001.08,"end":1001.58,"sentiment":"neutral","sentiment_score":0.021495897322893143},{"text":"And then I will put together another document, update your plan, and could probably go through that with you in a couple of weeks.","start":1001.96,"end":1009.9,"sentiment":"neutral","sentiment_score":0.042692384915426373}],"sentiment":"neutral","sentiment_score":0.04184452541172504,"channel":0,"num_words":25,"start":1001.08,"end":1009.9},{"sentences":[{"text":"Yep.","start":1009.97003,"end":1010.37,"sentiment":"neutral","sentiment_score":0.13237264752388},{"text":"Sounds great.","start":1010.37,"end":1011.27,"sentiment":"positive","sentiment_score":0.4446115791797638},{"text":"Good on you.","start":1011.33,"end":1011.97003,"sentiment":"positive","sentiment_score":0.5299980143706003},{"text":"Thanks for that.","start":1011.97003,"end":1012.875,"sentiment":"positive","sentiment_score":0.6406072974205017}],"sentiment":"positive","sentiment_score":0.5037124156951904,"channel":1,"num_words":9,"start":1009.97003,"end":1012.875},{"sentences":[{"text":"Perfect.","start":1012.705,"end":1013.205,"sentiment":"positive","sentiment_score":0.4355324506759643},{"text":"No worries.","start":1013.98505,"end":1014.54504,"sentiment":"neutral","sentiment_score":0.23693037033081055},{"text":"If you need anything, like, we're not just the the super guys.","start":1014.54504,"end":1017.42505,"sentiment":"neutral","sentiment_score":0.13535415194928646},{"text":"If you wanna talk about anything cash flow, property, investing related, we're here for you.","start":1017.42505,"end":1023.205,"sentiment":"neutral","sentiment_score":0.16492239981889725},{"text":"And,","start":1023.265,"end":1023.585,"sentiment":"neutral","sentiment_score":0.14436902105808258}],"sentiment":"neutral","sentiment_score":0.16618864622808271,"channel":0,"num_words":31,"start":1012.705,"end":1023.585},{"sentences":[{"text":"Yep.","start":1023.355,"end":1023.855,"sentiment":"neutral","sentiment_score":0.15792229771614075}],"sentiment":"neutral","sentiment_score":0.15792229771614075,"channel":1,"num_words":1,"start":1023.355,"end":1023.855},{"sentences":[{"text":"again, everything's included in the service.","start":1023.585,"end":1025.765,"sentiment":"neutral","sentiment_score":0.21246596177419028}],"sentiment":"neutral","sentiment_score":0.21246596177419028,"channel":0,"num_words":6,"start":1023.585,"end":1025.765},{"sentences":[{"text":"That's fantastic.","start":1026.075,"end":1026.895,"sentiment":"positive","sentiment_score":0.6802131235599518},{"text":"Thank you for that.","start":1027.115,"end":1028.13,"sentiment":"positive","sentiment_score":0.6923150718212128}],"sentiment":"positive","sentiment_score":0.6882810890674591,"channel":1,"num_words":6,"start":1026.075,"end":1028.13},{"sentences":[{"text":"Amazing, Robert.","start":1029.16,"end":1029.72,"sentiment":"positive","sentiment_score":0.5410392582416534},{"text":"Well, I'm very glad we had this chat today just to reassure you that the suit is going well, and we can fix up the insurance way.","start":1029.72,"end":1036.46,"sentiment":"positive","sentiment_score":0.5378809240129259},{"text":"Is there anything else that I can help you with today?","start":1036.92,"end":1040.035,"sentiment":"neutral","sentiment_score":0.19531357965686105}],"sentiment":"positive","sentiment_score":0.44383282102644445,"channel":0,"num_words":40,"start":1029.16,"end":1040.035},{"sentences":[{"text":"Yep.","start":1039.57,"end":1040.07,"sentiment":"neutral","sentiment_score":0.06060883402824402},{"text":"No.","start":1040.13,"end":1040.53,"sentiment":"neutral","sentiment_score":-0.058534517884254456},{"text":"All good.","start":1040.53,"end":1041.09,"sentiment":"positive","sentiment_score":0.466472327709198},{"text":"Thanks so much.","start":1041.09,"end":1042.155,"sentiment":"positive","sentiment_score":0.7092769940694174},{"text":"Go and have a fabulous","start":1042.235,"end":1043.2151,"sentiment":"positive","sentiment_score":0.7483061909675598}],"sentiment":"positive","sentiment_score":0.5670317423840364,"channel":1,"num_words":12,"start":1039.57,"end":1043.2151},{"sentences":[{"text":"Amazing.","start":1043.295,"end":1043.795,"sentiment":"positive","sentiment_score":0.6807876229286194}],"sentiment":"positive","sentiment_score":0.6807876229286194,"channel":0,"num_words":1,"start":1043.295,"end":1043.795},{"sentences":[{"text":"weekend in your in your warm weather.","start":1043.355,"end":1045.535,"sentiment":"positive","sentiment_score":0.659187342439379}],"sentiment":"positive","sentiment_score":0.659187342439379,"channel":1,"num_words":7,"start":1043.355,"end":1045.535},{"sentences":[{"text":"I'm good.","start":1047.9349,"end":1048.575,"sentiment":"positive","sentiment_score":0.4968102425336838},{"text":"Should I say that I'm gonna get the file?","start":1048.575,"end":1050.4349,"sentiment":"neutral","sentiment_score":0.0531343635585573}],"sentiment":"neutral","sentiment_score":0.13380270519039847,"channel":0,"num_words":11,"start":1047.9349,"end":1050.4349},{"sentences":[{"text":"Oh, stop it.","start":1052.795,"end":1053.435,"sentiment":"neutral","sentiment_score":-0.2530329426129659},{"text":"That's rude.","start":1053.435,"end":1054.17,"sentiment":"negative","sentiment_score":-0.5038789659738541}],"sentiment":"negative","sentiment_score":-0.35337135195732117,"channel":1,"num_words":5,"start":1052.795,"end":1054.17},{"sentences":[{"text":"Okay, Robert.","start":1056.38,"end":1057.02,"sentiment":"neutral","sentiment_score":-0.07791445776820183},{"text":"Well, what I'll do is I'll get off these requests for the quote, and then","start":1057.02,"end":1061.34,"sentiment":"neutral","sentiment_score":-0.057332343359788256}],"sentiment":"neutral","sentiment_score":-0.059753768584307504,"channel":0,"num_words":17,"start":1056.38,"end":1061.34},{"sentences":[{"text":"Yep.","start":1061.29,"end":1061.79,"sentiment":"neutral","sentiment_score":0.04872039705514908}],"sentiment":"neutral","sentiment_score":0.04872039705514908,"channel":1,"num_words":1,"start":1061.29,"end":1061.79},{"sentences":[{"text":"I will go hunt and run the financial review for some articles while I have a bit of a morning","start":1061.34,"end":1066.16,"sentiment":"neutral","sentiment_score":0.14291523694992064}],"sentiment":"neutral","sentiment_score":0.14291523694992064,"channel":0,"num_words":20,"start":1061.34,"end":1066.16},{"sentences":[{"text":"Awesome.","start":1066.89,"end":1067.39,"sentiment":"positive","sentiment_score":0.5800120830535889},{"text":"Good on you, Tommy.","start":1067.53,"end":1068.41,"sentiment":"positive","sentiment_score":0.7432612031698227},{"text":"Thanks so much.","start":1068.41,"end":1069.39,"sentiment":"positive","sentiment_score":0.8123663862546285}],"sentiment":"positive","sentiment_score":0.7487695068120956,"channel":1,"num_words":8,"start":1066.89,"end":1069.39},{"sentences":[{"text":"No worries, Robin.","start":1070.2949,"end":1071.255,"sentiment":"neutral","sentiment_score":0.28043020764986676},{"text":"Talk to you soon.","start":1071.255,"end":1072.075,"sentiment":"neutral","sentiment_score":0.29587265104055405}],"sentiment":"neutral","sentiment_score":0.2892544610159738,"channel":0,"num_words":7,"start":1070.2949,"end":1072.075},{"sentences":[{"text":"Okay.","start":1072.293,"end":1072.693,"sentiment":"neutral","sentiment_score":0.1843647658824921},{"text":"Bye.","start":1072.693,"end":1073.193,"sentiment":"neutral","sentiment_score":0.19279980659484863}],"sentiment":"neutral","sentiment_score":0.18858228623867035,"channel":1,"num_words":2,"start":1072.293,"end":1073.193},{"sentences":[{"text":"Thank you.","start":1074.135,"end":1074.695,"sentiment":"positive","sentiment_score":0.5922400951385498},{"text":"Bye.","start":1074.695,"end":1075.195,"sentiment":"neutral","sentiment_score":-0.1111585721373558}],"sentiment":"positive","sentiment_score":0.35777387271324795,"channel":0,"num_words":3,"start":1074.135,"end":1075.195}]},"summary":{"result":"success","short":"During a call with a senior adviser from Oakview named Tommy, a customer named Robin discusses her recent expenses and the impact of the pandemic on her finances. Tommy mentions a recent performance update and a performance review, but emphasizes the importance of understanding the overall performance of each fund. The speaker discusses the growth of the company and the importance of quarterly catch ups to explain the ins and outs of what's going on, as well as the use of a fancy table to provide a breakdown of investment options. The importance of achieving a 10% return over a long period of time is emphasized, and the conversation ends with the agent offering to run a financial review and the customer expressing gratitude."},"intents":{"segments":[{"text":"Now, also, my boss was telling me I can't remember exactly, but he was telling me about a month or two ago that he was reading the financial review and you guys got a bad reputation or something.","start_word":511,"end_word":548,"intents":[{"intent":"Notify boss about financial review","confidence_score":0.00013576685}]},{"text":"little lookie today, we've had I was just doing comparison because whenever you do your first year with us, I like to at least check the super fund that you're with previously if we did recommend to move just to make sure Yes.","start_word":991,"end_word":1033,"intents":[{"intent":"Compare super fund","confidence_score":0.07391047}]},{"text":"And because we pretty much recommend anybody in the industry depending on who suits.","start_word":1037,"end_word":1050,"intents":[{"intent":"Recommend industry recommendation","confidence_score":0.024200642}]},{"text":"That's why I like doing the quarterly catch ups just to say, hey. Like, you've taken the leap. You've paid thousands of dollars in fees. You've gone through this whole process with us. How's it actually going? And that's why I love these quarterly catch ups just to sort of explain the ins and outs of what's going on. Yep.","start_word":1140,"end_word":1199,"intents":[{"intent":"Highlight quarterly catch ups","confidence_score":0.029069455}]},{"text":"first one is this big fancy table that's got all your investment Yep. options on there.","start_word":1254,"end_word":1269,"intents":[{"intent":"Discuss investment options","confidence_score":0.0155137135}]},{"text":"Now what we'll basically do from here is reviewing all the options within the super. And if we need to change anything, we'll discuss that with you then as well.","start_word":1719,"end_word":1748,"intents":[{"intent":"Review options","confidence_score":0.23772924},{"intent":"Discuss options","confidence_score":0.2168402}]},{"text":"This is what's happened. I've updated my bank details with them for the last three months. And then yesterday, I still got an email saying unsuccessful funds. We're gonna have to close your account.","start_word":1909,"end_word":1942,"intents":[{"intent":"Close account","confidence_score":0.56711453}]},{"text":"I've updated my bank details with them for the last three months.","start_word":1913,"end_word":1924,"intents":[{"intent":"Update bank details","confidence_score":0.5703157}]},{"text":"So my I'll that's update only our system been my then only with change. that.","start_word":2175,"end_word":2189,"intents":[{"intent":"Update system","confidence_score":0.10623282}]},{"text":"But we do have access to all the different insurers anyway, so I can always do a bit of a hunt around for you if you like. Yeah.","start_word":2367,"end_word":2394,"intents":[{"intent":"Access insurances","confidence_score":0.0013449886}]},{"text":"How do I Well, the simple thing with life insurance is the step number one is clearing debt, but it doesn't look like you have much in the way of huge loans or anything floating around besides No. the personal loan.","start_word":2532,"end_word":2572,"intents":[{"intent":"Resolve debt","confidence_score":0.0044182697}]},{"text":"So are we trying to set them up with enough to purchase a house, or is it to, you know, look after them for a certain period of time?","start_word":2617,"end_word":2645,"intents":[{"intent":"Set up house","confidence_score":0.15188265}]},{"text":"Well, I'm very glad we had this chat today just to reassure you that the suit is going well, and we can fix up the insurance way.","start_word":3014,"end_word":3040,"intents":[{"intent":"Reassure and discuss insurance","confidence_score":0.013340586}]}]},"sentiments":{"segments":[{"text":"Good morning. Good morning, Robin. It's Tommy here, senior adviser at Oakview. How are you doing this fine Friday?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.26292741298675537},{"text":"Fantastic. How are you? I'm living the dream.","start_word":19,"end_word":26,"sentiment":"positive","sentiment_score":0.5123745799064636},{"text":"It's freezing, overcast, otherwise beautiful. Your Hang on. Tell me how freezing it is. end? I think it's 14. 14. Yeah. Where you are right now? Yeah. That's just what we woke Oh my up to. goodness. Well, I got in my car this morning, and it said zero. No. So What please is it do with not Victoria tell me going up you and are down freezing. to why does Victoria go between summer and winter on a weekly basis? It's Oh very my strange. god. Sometimes it's a daily basis, I can tell you. Look. When I went up there for my thirtieth in Melbourne, we arrived in jumpers and factory pants, and then two days later, board shorts at the beach. And I was just Yep. like, this is the strangest thing. It sure is. It sure is. So what's happening, Tommy? I've got you for a quick catch up for your quarterly review, and I've emailed you through a bit of a performance update. Do you mind if Okay. I just quickly check the security with you just for your information? Yes. Definitely. Yep. Sure. Amazing. It's it's very important that I do I know it is you, but if you could please just confirm your date of birth and address for me. Certainly. It's the twenty fourth of the first sixty nine, and the address is Number 9 Haven Lane in Diamond Creek, Victoria. Perfect. Perfect. Perfect. Now with the Hub twenty four Super, we got you across from Host Plus, and Yes. you went through got the insurances sorted. It's all been consolidated a few months ago. Now do you usually log in to the Hub to keep an eye on it, or is it more Well, wait yeah, for our I catch so I do no. So I do have the app because my boss was saying he ups? was having trouble paying the contributions. Yes. So I was checking. So he was saying that he had to go through I don't know. He had to set up some other way of paying it. He couldn't just pay into the bank or something like that. But anyway, Yeah. Right.","start_word":27,"end_word":392,"sentiment":"neutral","sentiment_score":-0.002885261239468685},{"text":"I think he's got it all sorted.","start_word":393,"end_word":399,"sentiment":"positive","sentiment_score":0.3719869554042816},{"text":"So because I just jumped in on the app and I double checked that the contributions have been going in. So I think now he's paying it weekly. Yeah. Yep. I I Oh, can see fortnightly. it coming in weekly, and they did a couple of catch ups. So Okay. whatever was Yeah. kind of owing, there was a couple of double payments that went in there, but you're getting white horses coming Yep. in, the Ravi is coming in. Yep. Everything's That's kind all.","start_word":400,"end_word":484,"sentiment":"neutral","sentiment_score":0.10128616541624068},{"text":"of flowing in quite nicely.","start_word":485,"end_word":489,"sentiment":"positive","sentiment_score":0.4496125876903534},{"text":"Yep.","start_word":490,"end_word":490,"sentiment":"neutral","sentiment_score":0.2214939296245575},{"text":"That's good.","start_word":491,"end_word":492,"sentiment":"positive","sentiment_score":0.3951786756515503},{"text":"So that was the only issue there. But, yeah, I do have the app and I log in. Now, also, my boss was telling me I can't remember exactly, but he was telling me about a month or two ago that he was reading the financial review and you guys got a bad reputation or something. Oh, Saying who to got a bad me, be reputation very for something? Oakview. Be very careful. Oakview. Yeah. He goes, Oh. be very careful, Robin. He said they're not you're not declaring something. And he sent me the article, but, of course, I couldn't open it because I don't subscribe to the financial review. But I haven't Yeah. Right. spoken Well, to him I again will have since a look. yeah. Have a look. So it's got something to do with Ophir and HUB24 because he goes, hey. You know, because he's going, who are these people now with your super you know, I guess he's just looking after me, seeing that I've been here for so long. So yeah. And I go, oh, I go, I know. And then, you know, of course, life goes on. So I didn't read it. And then last night, when I got the message that we were gonna tell her, so, oh, I must mention that to Tommy. Yeah. Absolutely. So I don't know. I'll I'll have a little hunt around on the AFR. And, Yep. no. Normally, we've got pretty good pretty good reviews and reputation in the industry. So I don't know if it's like a hub thing because of what happened with the shield master trust and all that kind of stuff or Yep. Maybe what's it was going that. on. But Yep. I'll I'll I'll have a hunt around the news. There's definitely been a lot of talk in May about conditions that the government's supplying to all the different super funds, especially Yeah. the ones who, you know, like Macquarie was allowing those investments that came on that everyone lost their money with and all that kind of thing. Okay. Yeah. Maybe it was something to do with that. I don't know. As I said, I did not even read the article, but I thought, oh, maybe you can enlighten me. But obviously Yeah. not. No. That's I okay. haven't seen anything, but I will Okay. hunt around and have a look. So if you do have the article, look it through.","start_word":493,"end_word":903,"sentiment":"neutral","sentiment_score":-0.04886549971363261},{"text":"That'd be awesome.","start_word":904,"end_word":906,"sentiment":"positive","sentiment_score":0.5200430154800415},{"text":"Well yeah. Well, I he he he sent it to me, but I can't read it because you have to subscribe to financial yeah. Yep. The The old paywall. finance correct. Yep. Yep. And I go, oh god. I go whatever, you know, and then I just moved on. Yeah. No. Fair enough. Fair enough.","start_word":907,"end_word":961,"sentiment":"neutral","sentiment_score":-0.0641683042049408},{"text":"Well, I do have some good news for you. Okay. Go for it. The quarterly report looks absolutely fantastic. So when Oh, I was having that's a good.","start_word":962,"end_word":989,"sentiment":"positive","sentiment_score":0.5105112791061401},{"text":"little lookie today, we've had I was just doing comparison because whenever you do your first year with us, I like to at least check the super fund that you're with previously if we did recommend to move just to make sure Yes. it's still doing better. And because we pretty much recommend anybody in the industry depending on who suits. I think host plus jumped up about 1% in the last three Oh, that's good.","start_word":990,"end_word":1065,"sentiment":"neutral","sentiment_score":0.1513306200504303},{"text":"So about 13,000 in growth in this quarterly report, and your contribution is flowing in nicely. Everything's jumped up well above 200,000 now. So That's it's been great. a pretty good quarter. Yay.","start_word":1066,"end_word":1098,"sentiment":"positive","sentiment_score":0.641483724117279},{"text":"That's good to hear because, you know, I'm a little bit mathematically illiterate, dyslexic, whatever you wanna say.","start_word":1099,"end_word":1116,"sentiment":"neutral","sentiment_score":0.19495375454425812},{"text":"So Fair. that's always nice to hear that I've made the right choice.","start_word":1117,"end_word":1129,"sentiment":"positive","sentiment_score":0.5459349751472473},{"text":"Yeah. And look, it can be a bit reassuring too. That's why I like doing the quarterly catch ups just to say, hey. Like, you've taken the leap. You've paid thousands of dollars in fees. You've gone through this whole process with us. How's it actually going?","start_word":1130,"end_word":1176,"sentiment":"neutral","sentiment_score":0.2583642601966858},{"text":"And that's why I love these quarterly catch ups just to sort of explain the ins and outs of what's going on.","start_word":1177,"end_word":1198,"sentiment":"positive","sentiment_score":0.35606029629707336},{"text":"Yep. Yep. Don't have to go too technical with it, but there's a few things I definitely wanna point out to you today just so you've got the right expectations as well. Okay. Cool. Now in the report that I sent you so whenever I send you these reports, there's always two pages. The Yep. first one is this big fancy table that's got all your investment Yep. options on there. And that way, I can do a full breakdown of how each one is good. So, you know, how's gold doing? How's the shares doing? How's the property doing? That kind of thing. Does that make Yep. sense? Yes. Yep. Second page is always how your overall super is doing when you put all of it together. So that's kind of the way to read it is here's all my little options and what they're invested in. Second one is how's my super done? Mhmm. Now with the options that you've got, pretty much because we've got you in a high growth portfolio, it's kind of behaving exactly as I would expect it to in Yep. terms of going up and down like crazy every week, every month. Because that's that high growth approach. Right? You've got all your money Right. And they have a little bit of a cost to ride. Yep. You've had, for example, after Christmas, gold went back down from its huge high, so that dropped about 11%. But then you've got some cybersecurity shares that jumped up 46%, Japan going up, Europe going up, all that kind of thing. So Mhmm. when I look at it, every little piece in the cog is kind of playing its part as I would expect. Okay. Now just bear in mind what that means is because the world is still very uncertain for the next six months at least, I am expecting it to jump up and down quite a bit. Sure. Yep. Now what that basically means is you could see if things go extreme, you could go from 202,000 down to a hundred and 85,000 and then be back up to 230,000 three months later. That's Yep. kind of what I would Yeah. expect I get to happen it. if the world continues to explode. Okay. Okay?","start_word":1199,"end_word":1580,"sentiment":"neutral","sentiment_score":0.07624940907689913},{"text":"The aim of the game, obviously, is to just average out at a good return over a long period. So over three, five, seven, ten years to just consistently get those double digits, get that 10% or above. I know when we went through your advice piece, the previous returns were, like, 19%. It was very fantastic five years.","start_word":1581,"end_word":1639,"sentiment":"positive","sentiment_score":0.4091312885284424},{"text":"But, again, we need to make sure that we're getting you, like, that minimum benchmark to get you to your goals. Okay. Okay? So overall, Yep. insurances are in place, contributions are doing well, the funds jumped up quite a bit, and now it's just a matter of allowing the markets to kinda do their thing over a period of time. K. Do you have any questions on on that so far, Rob? Okay. No. No. All good.","start_word":1640,"end_word":1717,"sentiment":"neutral","sentiment_score":0.22428597013155616},{"text":"Perfect.","start_word":1718,"end_word":1718,"sentiment":"positive","sentiment_score":0.46803516149520874},{"text":"Now what we'll basically do from here is reviewing all the options within the super. And if we need to change anything, we'll discuss that with you then as well. At the moment, there's no alarm bells that I need to do anything with it right now. And outside of that, look, if there's any major changes in the industry where we need to change super funds, we can obviously do that advice too, and it's Okay. all incorporated in the service that you pay for. Okay.","start_word":1719,"end_word":1805,"sentiment":"neutral","sentiment_score":0.10898814350366592},{"text":"Fabulous.","start_word":1806,"end_word":1806,"sentiment":"positive","sentiment_score":0.5838350653648376},{"text":"Okay? Now is there anything else, like, updates on your end? How's everything been going on your What the updates on my end is that only just yesterday, you know how I had that other life insurance policy, the MetLife? yes. I just canceled that.","start_word":1807,"end_word":1851,"sentiment":"neutral","sentiment_score":-0.06468816101551056},{"text":"Okay. Only because MetLife is well, they were just really incompetent. gone.","start_word":1852,"end_word":1863,"sentiment":"negative","sentiment_score":-0.5811112523078918},{"text":"And Right. and Okay.","start_word":1864,"end_word":1867,"sentiment":"neutral","sentiment_score":-0.20268861949443817},{"text":"I just got nervous because my bank card got compromised, so I had to get a new bank card and everything. So I've updated my bank details, so therefore, I keep getting, you know, unsuccessful. So then I contact them.","start_word":1868,"end_word":1907,"sentiment":"negative","sentiment_score":-0.38442865014076233},{"text":"Yep. This is what's happened. I've updated my bank details with them for the last three months. And then yesterday, I still got an email saying unsuccessful funds.","start_word":1908,"end_word":1935,"sentiment":"neutral","sentiment_score":-0.2076992243528366},{"text":"We're gonna have to close your account.","start_word":1936,"end_word":1942,"sentiment":"negative","sentiment_score":-0.43396031856536865},{"text":"And I just went, you know what? Wow. Do it. Close Buggy. it. Okay. And they they Well rang me and and they're going, oh, I'm so sorry. And I go, yeah.","start_word":1943,"end_word":1974,"sentiment":"neutral","sentiment_score":-0.2229827493429184},{"text":"I'm really sorry too that you guys are incompetent. I said, I don't know how many times I have to provide my new banking details to you.","start_word":1975,"end_word":2001,"sentiment":"negative","sentiment_score":-0.4536987543106079},{"text":"And they still they sent me an email saying, oh, you know, we missed this payment, but that's okay. On the July 8, we'll take out double the amount, and they specified the amount and everything. So I go, oh, yeah.","start_word":2002,"end_word":2042,"sentiment":"neutral","sentiment_score":0.002755260095000267},{"text":"Fantastic. You know, money's there.","start_word":2043,"end_word":2047,"sentiment":"positive","sentiment_score":0.513541042804718},{"text":"No no big issue. And then I get the email yesterday on the July 9 saying, oh, insufficient funds or something. And I go, oh, that is it.","start_word":2048,"end_word":2075,"sentiment":"neutral","sentiment_score":-0.2375100702047348},{"text":"I can't do it anymore.","start_word":2076,"end_word":2080,"sentiment":"negative","sentiment_score":-0.449052631855011},{"text":"So then I go, Wow. Yep. you know, who Too am much I even pain. providing my banking details to then? It's clearly you're not getting them. So who's getting the bank details? Like but they And couldn't where are they answer going to? me. Well, that's right. So I go, no. I'm happy to I go just I'm happy to close it.","start_word":2081,"end_word":2143,"sentiment":"neutral","sentiment_score":-0.17961004376411438},{"text":"You know, when you just reach that level and I go, oh, that you're incompetent. I'm not doing that anymore.","start_word":2144,"end_word":2163,"sentiment":"negative","sentiment_score":-0.41943228244781494},{"text":"Yeah. No. That's fair enough. That is So fair that's enough. So my I'll that's update only our system been my then only with change. that. Yes. So I'll do K. some research and look into something else. Okay. I mean, if you ever need it, we can do the old software plug and see who can offer some life insurance. I know we've already got the Zurich in place. Yep. You can always increase Zurich life insurance I if was you want, just hunt gonna say, around. can I increase that or there might be a better something better? I don't know. Yeah. Look. It's pretty standard to I mean, with any increase or new benefit, they do ask you those questions about has your health changed and all that kind of thing Yep. underwriting. But, yeah, Zurich can increase the life insurance. And one of the things is if you pay for it through super, you do get the 15% rebate off of it anyway. So Yep. even if you wanted to contribute the amount that you were paying in premium into the super Yep. and pay for it through there, you kind of get a bit of a 15% off. But we do have access to all the different insurers anyway, so I can always do a bit of a hunt around for you if you like. Yeah. Actually, that'd be really Yeah.","start_word":2164,"end_word":2399,"sentiment":"neutral","sentiment_score":0.05872048690157421},{"text":"good then. That'd be great.","start_word":2400,"end_word":2404,"sentiment":"positive","sentiment_score":0.6698218584060669},{"text":"K. With the amount, do you still want to kind of replace the million dollars that you had, or how much do you feel like you actually need? Oh, well, yeah. I don't need that much. No. Just for me is fine. Because I can always do quotes for a lower amount if you feel like that was a bit too much. Well, I don't know. What what what do you how do you work it out? Sorry. Tell me. Can you just hang on Go one second on. for me? Yeah. Go for it. Yeah. And it is on Monday, and it is it is $3.45. Okay, girl. Bye. Sorry, Tommy. You're right. So when it Yes. comes to calculating Yeah. How do you work out? How do I Well, the simple thing with life insurance is the step number one is clearing debt, but it doesn't look like you have much in the way of huge loans or anything floating around besides No. the personal loan. No. No. So from that point, then step number two is, like, income replacement. Let's say you passed away and someone's reliant on your income, replacing that. But I think the main thing is you probably have that life insurance for your dependents. Yes. So are we trying to set them up with enough to purchase a house, or is it to, you know, look after them for a certain period of time? What would kind of be the the scenario? I don't wanna, you know, go too Well, deep into hopefully, it, but by the if time you were I to die park them. yes. Hopefully, by the time Yeah. I die, they'll already have their houses. I'm hoping that's gonna happen in the next couple of years. But, see, you know, this is the thing.","start_word":2405,"end_word":2709,"sentiment":"neutral","sentiment_score":-0.04320245126231772},{"text":"How do you know I could drop dead tomorrow?","start_word":2710,"end_word":2718,"sentiment":"negative","sentiment_score":-0.3613675534725189},{"text":"So and I only say that because it happened to my best girlfriend last year. So and I've No. seen what her daughter's gone through, and I just, like, go, oh, my god father. It's, you know, it's so it was a bit of an eye opener for me. So I think that's Yeah. why I just chose that amount. And you've got 300,000 already through the server as well. So Yeah. you could always do 700,000 just to make that plain million Just at to the end top of the it. day. Yeah. Yeah. Yeah. A bit of That's a top probably up. a good idea. K? Now I just have to ask the question as well because they're all linked together and everything. Do you want me to do anything with, like, the TBD cover or just top up the life to replace what was lost with MetLife? Yeah. Just just exactly what was lost with MetLife, I reckon. Just top it up. Yep. Perfect. So what I'll do is I will pop off a alteration increase quote to Zurich to see what their Yep. prices look like. Yep. And then at the same time, my team will research the other insurers to see what a million dollars looks like with everybody Yep. else. And then I will put together another document, update your plan, and could probably go through that with you in a couple of weeks. Yep.","start_word":2719,"end_word":2959,"sentiment":"neutral","sentiment_score":-0.0033917338587343693},{"text":"Sounds great. Good on you. Thanks for that. Perfect.","start_word":2960,"end_word":2968,"sentiment":"positive","sentiment_score":0.5270079970359802},{"text":"No worries. If you need anything, like, we're not just the the super guys. If you wanna talk about anything cash flow, property, investing related, we're here for you. And, Yep. again, everything's included in the service.","start_word":2969,"end_word":3005,"sentiment":"neutral","sentiment_score":0.17038258910179138},{"text":"That's fantastic. Thank you for that. Amazing, Robert. Well, I'm very glad we had this chat today just to reassure you that the suit is going well, and we can fix up the insurance way.","start_word":3006,"end_word":3040,"sentiment":"positive","sentiment_score":0.572239339351654},{"text":"Is there anything else that I can help you with today? Yep. No.","start_word":3041,"end_word":3053,"sentiment":"neutral","sentiment_score":0.14022214710712433},{"text":"All good. Thanks so much. Go and have a fabulous Amazing. weekend in your in your warm weather. I'm good.","start_word":3054,"end_word":3073,"sentiment":"positive","sentiment_score":0.6356369256973267},{"text":"Should I say that I'm gonna get the file? Oh, stop it.","start_word":3074,"end_word":3085,"sentiment":"neutral","sentiment_score":-0.028230633586645126},{"text":"That's rude.","start_word":3086,"end_word":3087,"sentiment":"negative","sentiment_score":-0.5203111171722412},{"text":"Okay, Robert. Well, what I'll do is I'll get off these requests for the quote, and then Yep. I will go hunt and run the financial review for some articles while I have a bit of a morning Awesome.","start_word":3088,"end_word":3126,"sentiment":"neutral","sentiment_score":0.057799890637397766},{"text":"Good on you, Tommy. Thanks so much.","start_word":3127,"end_word":3133,"sentiment":"positive","sentiment_score":0.761883020401001},{"text":"No worries, Robin. Talk to you soon. Okay. Bye.","start_word":3134,"end_word":3142,"sentiment":"neutral","sentiment_score":0.2584232985973358},{"text":"Thank you.","start_word":3143,"end_word":3144,"sentiment":"positive","sentiment_score":0.5883334875106812},{"text":"Bye.","start_word":3145,"end_word":3145,"sentiment":"neutral","sentiment_score":0.3164111077785492}],"average":{"sentiment":"neutral","sentiment_score":0.04323755437677557}}}}