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All good. I had you booked in just to have a bit of a follow-up conversation from our chat last week. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Fantastic. And just to do security, we're just discussing your personal information. So I'll get you to confirm your full name, date of birth, and address I should have on file. Yep. Perfect. Thank you so much for that. How did you go with the application for Centrelink? Is it all submitted now? Yep. Okay. Perfect. Yeah. Okay. Yep. Yep. Well, the seniors card should all work now. If you've got it, you're eligible for it. So you should be fine to use that now. It's more just the health care card that comes with having age pension. That all kind of comes through once you've got the approval. Yeah. Fantastic. It's all moving along. That's really good to hear. With your are you needing to sort of take anything out of super at the moment? Are you just wanting to leave everything in super and have it continue to grow for the moment? Or what's your thoughts with super? Yeah. Hi. I'm lovely to meet you. How are you? Yeah. Okay. Yes. Okay. Yeah. I can do that. Yeah. So there's a couple of things. It really just depends on the circumstances you guys are at. So what we can do with the advice is we can focus on drawing out what you guys need to pay down the mortgage completely. I'll just get used to if you can describe me, like, a a statement or a payout figure. There's something showing how much you have owing left on the mortgage, and we can look at doing that. The benefit of doing it that way is that whilst you are taking a little bit out of Neil's Super at the moment, you're putting it onto the mortgage. And the mortgage for Centrelink purposes is all the houses exempt. So that money going on to pay down the mortgage is going towards the property, which exempts that money, which reduces a little bit of the super so you can update your balance with Centrelink, and that should hopefully help to increase the benefit amount a little bit. But when it comes to drawing down, what we kinda wanna look at is what do you need to live on on a weekly basis or a fortnightly basis depending on your circumstances, how much you're bringing home on a regular basis from work, but then also how much you're getting from or how much you're gonna get from Centrelink, and then we can work out how much you need to draw down from Super to replenish that income amount if that makes sense. Yeah. Perfect. So with you're right. Sorry. Yep. Yeah. Yeah. Yeah. Yes. Yes. Not not necessarily. We can organize and start drawing some money down now. So the advice will take me about a week or two just to put together. So I would probably book you guys back in for another appointment in two weeks to go to the advice. I can look at now what you guys need to live on, and we can start by drawing a higher level of income now. And then I can even, as part of the advice, factor in the Centrelink side of things for you and estimate how much you're expected to get and then work out when you get that Centrelink how much we can reduce the drawdowns from Superbuy so we can alter that down the track. And then when you actually get Centrelink, we'll just reconfirm the amount in case it's a bit of a discrepancy, which can happen because I do everything manually, and they use the computer to do all their information. So if if you're comfortable with me doing it that way, I don't wanna put too much out there and make it too over complex, but there's a lot that I can sort of do in this space to help you guys out a little bit and factoring in those differences over the next few months if that's easier for you. Yeah? Perfect. So how much do you need how much do you guys think you need to live on on, say, a weekly basis at the moment or a fortnightly basis? Sorry. Yeah. Mhmm. Mhmm. Yes. Yeah. So, yeah, we wanna sort of understand how much you need to how much you both need to earn together to cover all your regular living expenses, your, you know, currently, your mortgage payments, that'll all change shortly. But if we factor that in now, even when you pay down the mortgage, that little bit of extra money can help to, you know, provide your eating out or be put away as savings for something down the track. Yeah. The other thing I can do is, if you like, is I could send you through a a budget planner if you wanted to sit down and maybe go through those expenses and add them into the budget plan to just see what your living comes out like. Yeah. Would that be something you'd be open to doing? Or yeah. Yeah. Perfect. Just so I understand how much you need to live on on a weekly basis, and then I can sort of factor in your wage, And then we can work out how much the drawdown from super needs to be. What I would probably also wanna look at doing, Neil, if you're comfortable, is moving at the moment, you're in accumulation phase. And because you're applying for age pension when you turn 67, all of that is fully accessible. So I probably wanna look at moving you out of the accumulation phase and into the pension phase because inside pension phase, there's no income tax and no capital gains. So you're actually saving money by sitting in pension phase as well as drawing down a regular income. Are you open to me looking at that for you as well, Neil? Yep. Beautiful. Yeah. Yep. Yep. Yep. Yay. So they give you you have, like, the work of the work bonus. And so if you do get a job and you are working a certain amount of hours on a a fortnightly basis, they give you a separate assessment. So they reduce the amount of work that or the the money you receive. They assess it slightly differently. And if you're not if you work for a few weeks and don't work for a few weeks, then you accumulate that work bonus there. So you can do some work. There are limitations around how much you can earn and how much you can work and things like that. But, yeah, she's exactly right. You absolutely can take on a little bit of work if you want to. Yeah. Look forward to absolutely. Absolutely. So what I'll do after the call, if you like, I'll send you an email. If you can send through a copy of the updated statement showing how much you need to draw to cover the cost of the mortgage, just make that free and clear. And I will also send you the budget planner. So if you can just confirm for me just go through, fill it out together. I would suggest that I have a cup of tea, sit down, talk it through, have a bit of a look at what's regularly coming out. And the good thing about the budget plan that we use is that it doesn't matter if your bills come out weekly, fortnightly, monthly, or quarterly. You can work out how much you pay for each of those, and the tab, actually, you can change it. So one bill might be weekly, one bill might be six monthly, one bill might be yearly. And you can change the tabs, and it automatically recalculates it for you to either a fortnightly or monthly amount to make it a little bit more consistent for you guys. Okay? Beautiful. And can I double check your income? You mentioned that you are working a little bit at the moment, that you are still bringing home an income. Did you want me to maybe factor that into reduce that from the amount you guys need to live on and how much Neil needs to draw out of super? Or did you wanna just keep your income as a secondary a bit of bonus income for, you know, incidentals or fun? Yep. Okay. Yeah. Yep. Yeah. Yep. As a bonus yeah. No. That's fantastic. And Neil may have mentioned that you've got a trip coming up in a few months to Europe. No. That's fantastic. As much as it's probably a hardship, I hope you enjoy it as well. It sounds amazing. Yeah. No. That is fantastic. It's always good to have employers that look after you. We all work so hard. All good. Well, what I'll do that's perfectly fine. So I can do that. If you were to sort of put your income into maybe just a regular amount, How much would you say you do get on a regular basis? Just the one sort of updating everything in the back end for you guys as well. Yeah. Yeah. Okay. Perfect. Yep. Beautiful. Fantastic. And I'm just trying to pull up the this isn't working for me. I'm just trying to have a look at what I had down here for assets and liabilities as well just to sort of see if everything is still on track from where we had it last time, but it's not really working for me today. I love the technology. What I'll do the Excel spreadsheet is not opening for me, so I just wanna go through and update all of your assets and liabilities there as well. Just checking what I've got here. The current value of the house, what would you guys put down for current value of the house? Yep. Perfect. Beautiful. I can always double check some of the research material we have here if you like and just sort of reconfirm the address and what average value some of the research material might place in it for you. Beautiful. And we're gonna get an updated mortgage statement, which shows the balance. So I can just leave that one blank for the moment. Other assets that we have down, how many cars do you have? Beautiful. And what sort of cars are they? Yep. Thousand cent and a Ford. Beautiful. And what sort of value would you put on each of those vehicles? What just value to use if you guys had to sell those vehicles tomorrow, what's the value would you put on it? What would you want for it? Mhmm. Yeah. For eight of them. Yeah. That's perfect. Yeah. Beautiful. Excellent. And you own them both out. Right? There's no loans on either of those vehicles? Nope. Perfect. Excellent. Any other assets that may you may have there? Any other cars, boats, caravans, anything else of value? Nope. That's okay. Perfect. And contents. Did you what did you sort of have or noted for settling for content? Yeah. Yes. Absolutely. What I'm not sure how you filled out the application for Centrelink, but when I normally help my clients do Centrelink applications, we normally look at making sure everything's on fire sale value. So for Centrelink purposes, we never value contents more than 10,000 for a couple. However, when you consider your content insurance, obviously, the the value of things is gonna be greatly higher. But we looked at FireSafe values for Centrelink valuation. Yeah. Yep. Beautiful. Do you remember what if you'd put 10,000 or more on the content to send link to the application? Yeah. Do you have yeah. Sorry. Do you have a breakdown or a copy of the application that was submitted? Yeah. If I was to as part of the email, if you could email me a copy of that, I can have a look at everything that's being submitted for you, and then I can kind of do the math, and that'll help with the advice and work out what the estimated Centrelink entitlement might look like for you guys. Yep. Perfect. So settling entitlement might look like. Beautiful. Yes. So I can run through and have a look at all the assets that you've noted, what the values are, work out the estimated entitlement for you. When Camilla, when it came to your income, did it ask for the average income you were earning on a regular basis, or did it what did it sort of ask you in relation to that? Okay. Yeah. Yeah. Yeah. No. That's okay. Not a problem at all. What I'll get you to know if it's okay is I'll send you an email shortly there, Neil, just if you can grab me the statement. I'll send you, like, the budget plan to fill out, and please let me know if you have any trouble filling that out because I'm more than happy to, you know, talk you through it. And if you can send me just a copy of the the details on the Centrelink application, then I can kinda go forward, and I could do a review of your super. I can look at what you guys might be eligible for Centrelink wise. We can have a look at how to draw down the money so you can start living a little bit more and and getting that regular income draw down from Super as well. And I'll look at that full draw the the one off draw down as well for covering the mortgage. So that's free and clear and one less debt to worry about. Is there anything else goal wise in the medium term that might be important to to both of you that you might wanna access funds for in the short term? That's That's okay. That's alright. Yeah. Was it done through your myGov account at all? Yep. Perfect. So if you guys log in to your MyGov account and go into the Centrelink section and go into current claims, in the email if you like, I will add the instructions on how to go in there. You can actually go in and save the application down, and you can sort of see all the all the questions that you answered. Do you want me to add the the instructions and know how to access that to save it down to maybe send that to me as well? Would that be okay? Yep. Beautiful. If you get stuck with any of this, please let me know. Neil, you know you can call me at any time, and I'll always take the call or call you straight back. If you get stuck, have any questions, need any help finding anything, let me know. Okay? Beautiful. Excellent. Alright. We'll have a look at that. I'll go through the assets. So one for the basic advice, and then please tell me if I'm missing anything, is I'm looking at your super. What I'd like to probably also do, Neil, is I'm just sort of having a look at your investments inside super. I just also wanna maybe have a bit of a look at those and maybe redig them a little bit for you as well. I am sort of noticing that there is one investment in your super that has it's whilst it's still performing really well, has underperformed a little bit. So I would like to maybe look at maneuvering that out and getting rid of it and replace it with something that's performing a bit better. It might also be a bit cheaper for you in investment fees. Would that be okay? Yep. It is Bennelong. Yes. Yeah. So would love to get rid of that one there. Has it is underperforming a little bit as an investment, so I would like to remove it out of there. To give you a little bit of an idea, Banner Long is a managed fund, and they were more of an actively managed fund. So the investment manager there is trying to outperform against the market. And whilst we have seen these ups and downs with what's happening globally at the moment, the investment manager hasn't been able to do that. They've had some underlying issues. So we've gone back and had a little bit of a look. There's actually some other investments which create better diversification, can help to lower the risk of your portfolio, but are also cheaper and have performed a bit better than banner longs. If you're comfortable with me making those changes for you, I'd love to swap that out, put something else in there that's making sure your portfolio is working better for you, maybe rebalance things a little bit for you as well just to make sure you're not taking on too much risk, and then also look at moving you into that pension phase, look at that one off drawdown, look at the regular income drawdowns for you, and, you know, see what we can do to help long term there. Is that okay? You that's okay. It's not a problem. It's what I'm here for. Once I've got an idea of what your income looks like, I'll look at drawing down the income, then I'll also assess, you know, when you're able to start drawing that Centrelink, whether we can reduce the amount a little bit down or whether we don't. And I'll show you with the advice the same as last time. I'll outline it in an advice document, so we'll go through it together page by page. You can have a look at the recommendations. I'll run you through what I'm recommending, how and why, the advantages, disadvantages, the risks involved, and then you get to take it back, have a bit of a read over it. Let me know if you have any questions and decide what you're comfortable taking on board. How does that sound? Yes. Beautiful. Am I missing anything with regards to the advice structure? Is there anything else that you guys wanted me to include or add in there? No. That's okay. If anything comes up, you're welcome to let me know. The other thing I just wanted to sort of touch base on, Neil, is your risk profile as well. We did look at that last year. So with your profile, you're not in a high risk category at the moment, which is really good. That's what we wanna see. Investment wise, you're in a balanced growth environment. So that's where you generally see about 70% of your super invested in growth assets. So I think things like Australian shares, international shares, listed property, and also commodities, like gold and silver, and then the other 30% in defensive investments, so things like cash, bonds, fixed interest, lower risk investments, more cash producing. It might even be worthwhile reducing that down a bit more by another 10% to more of the balanced environment, just lowering your risk level a little bit there. Did you want me to look at the risk profile with you as well and maybe readjust that so you're taking a bit less risk in the market whilst we are going into that pension phase? Yep. Absolutely. What I'll do now, I've got a little questionnaire. It's the same one that you've done the last couple of years. I'll just run through that with you here just to sort of gauge where you're scoring, and we can work out how far we need to adjust that for you. All good. So the first one here is have you ever invested in any direct shares or managed funds in your own name before? Have you ever owned investments before? Yep. Yep. That's okay. Not a problem. The next one here's sorry. You're right. I apologize. Okay. Wow. Okay. Interesting. Yeah. Okay. Interesting. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. That'd be fabulous. If you can just find a statement or just the number of how many shares you have and when you purchased them, that'd be that'd be great. Just to kind of include wow. Look. I'll be honest with you. I'm not as young as you think. I was born in '84, so I am 42 this year. Oh, thank you. No. It's all good. Yeah. If you can find out any information, that would be fabulous. Just to kinda have in the background, and we could also look at, you know, whether you keep them, whether you sell them, what that looks like tax wise for you guys just to sort of, you know, see what's what's possible for you. Oh, you never know. All good. Now the next question here is asking about the time horizon. So when you're wanting to access your capital, admittedly, you are wanting to start drawing an income as soon as possible because you need to, you know, pay your bills and whatnot. So I'm putting in less than two years, which is the the lowest option I've got. Okay? The next one here is asking about how you feel about risk. So how do you feel essentially, when you think about your super and how much you have in super there, how do you feel about taking on more risk to get greater potential returns? If you sort of thought about risk as a number between one and five, five being taking heaps of risk, a 100% in shares in the market, and one being no risk at all. Where do you think you might sit in that category? Tough one. Tough one. Yep. Mhmm. Yep. At $2.00 3? Yeah. Perfect. Excellent. There we go. I'll pop I'll pop you in with a two just because I feel like with that, you know, moving into that kind of retirement phase and looking to draw money out as super, being a bit more conservative is never a bad thing. Okay. Excellent. And the next one here says, how would you feel if you saw your Super four by 20% over the next six months due to what was happening externally in the market? Do you think you'd be wanting to put more money into the investment? It could be a buying opportunity. Are you a bit concerned calling me and having a chat about what's going on globally in the markets, or are you feeling like cementing the losses and taking the money out because you're very concerned? Yep. Perfect. The next one sorry. You're up. Yeah. Yep. Absolutely. Perfect. The next one here is what sort of reasonable rate of return are you trying to achieve from your portfolio over the longer term? So the reason we kind of ask this question quite regularly is because everyone wants the best return they can get from their super and from their investments. But in order to get the higher levels of return, you do need to be willing to take on a higher level of risk to achieve so. So are you more comfortable maybe looking at a two, a four, a six, or an 8% return by taking a bit less risk in the market with your super, or are you still wanting to, you know, be comfortable trying to get the best returns you possibly can and take on a bit more risk? How do you think you're feeling? Yep. It is. Yeah. Mhmm. Yep. Yep. Definitely. And that's the other thing we do need to think about is as much as retiring now means that you you're accessing your super now, you've got another, you know, twenty or thirty or forty years in retirement. So you still have a long time to make it last. You could definitely kinda go in between. I mean, for taking on a lower amount of risk, it's still okay to be looking for, say, four to 6% of a return on a regular basis and trying to aim for that. And that's kind of middle of the range when we're looking at average returns. I mean, some lower risk portfolios get really great returns, have, you know, 20% returns some years. Some years are a little bit lower. But it's more just what we're kinda aiming for in this kind of environment. So would you say four to 6% on a yearly basis would be fairly comfortable for you? Yep. Beautiful. Excellent. The next one here is, again, looking at how you'd feel if your super did take a bit of a dip. I kinda feel by talking to you both that you would be a bit concerned about super taking a large dip and having the value drop considerably. Am I on the right track with that? Yep. Perfect. And the last one here is, have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever borrowed the safe property? Yep. Perfect. And have you ever owned an investment property, or is it just your main PTR, your primary residence? Yep. Yep. Perfect. Okay. So, Neil, you have definitely scored slightly lower. So you're in that moderate bracket now. With the portfolio you're in now, we kinda went through what that looks like. But in that moderate sort of area, you're looking at reducing it down to either a balanced or a more defensive environment. So the balanced portfolio generally sees around about 50 to 60% of your super investing growth assets, so things like Australian shares, international shares, property, and commodities again there for you. And then the other sort of 30 the 50 to 40 to 50% in defensive low risk investments. The average rate of return we're chasing with this sort of a portfolio is about five to 7%. And because there's always gonna be risk in the market, there's always years where maybe we receive a lower rate of return or negative return. With this kind of portfolio, it's about one in seven years, so it is relatively low risk. It suits someone who has about three years investment time horizon, so you can be in a sort of a portfolio moving into those retirement years. That's moving you down one risk profile from where you are currently. The other option is if you still feel that that's a little bit too high, we can always move you down into more defensive environment, which is basically a whole switch on where you are. And that would be about 25 to 35% in growth assets, and then we have 65 to 75% in defensive lower risk investments. We're chasing a return expected return of around two to 3% with this kind of defensive environment, and the likelihood of a negative return is still kind of one in every seven years with this sort of defensive portfolio as well. How does that make you feel? What sort of level or what sort of portfolio would you like to see your funds invested in? Risk profile by maybe 10% move one down to see how that looks for the next few months? And then we can always look to reduce it further if it's not comfortable for you. Yep. Beautiful. You're okay with that? Excellent. Yep. Beautiful. Well, what I'll do is I'll go and have a bit of a look at all the investments. I'll do some research around all that for you. I'll come back and show you what that looks like. I know it's a little bit hard with this conversation because it's kinda just all what we're talking about until you actually see the advice document, see what we've put together, and are able to see everything in front of you. It can be a little bit much, so I do apologize about that. But leave it with me. Sorry. Yeah. It does. It really does. And this is sort of the area that I love, and I know I'm I'm 42 this year as I kinda mentioned before, but a lot of my work in this in our office is in that retirement space. So I do look at a lot of that for a lot of our clients, which fantastic. So I'll do a lot of research in there for you. We'll do regular catch ups to make sure everything's working for you, and we can adjust the advice as things change for you. Because I want this to work for you now, but I wanna make sure it lasts for you as well. Yeah. You've got a long time to go on retirement. You've got a lot that you probably wanna do in that time frame as well. So we'll make sure we're here to support you all the way through that. Okay? All good. Well, what I'll do now is I'll send through a bit of a recap email. Just going through the things that we've gone through and discussed. I'll just also get send the budget planner out for you. I'll also send through the instructions on how to get the Centrelink application that's being submitted through myGov. And if you can send me a statement as well as the application details, I can go and have a look at everything. If I do have additional questions, either myself or my admin team member, Michelle, would touch base and, you know, ask anything else that we possibly need. And then if you like, we can make a time in about two weeks to come back and provide that advice. Is that okay? Yep. Perfect. Let's make that time for you now. So in my calendar, we can definitely do that. And did you want sort of this time of day I know we're a bit late today. I'm so sorry about that. But did you want kind of 11:30 on a Wednesday? Yeah. Absolutely. Not a problem at all. No. No. No. You're fine. You I honestly have lunch whenever I'm hungry, and these days, I'm not very hungry. So it's all good. Let's have a look. So two weeks will put us at the May 13, and 10AM, I can do I've actually got most of that day free. So did you want 10:00 in the morning and we can go through it to them together? Is that suitable? Perfect. Yep. 10:00 your time. That's twelve o'clock my time. Yeah. That's okay. It's not a problem at all. It's all booked in. I've added a text message reminder on there for you, so it'll send you a message an hour prior just reminding you of the appointment. And if anything comes up and you need to change it, just let me know. I'm very flexible, and I do work a lot after hours as well kind of in the evening to make it easier on everyone as well, especially for you guys in WA. So yeah. That's okay. What was that, Neil? Sorry. Yeah. Yeah. Well, Bart trained me, so, hopefully, I'm half as good as him. He does. He does. Bart does all the the owner stuff, all the compliance things, talking to and all the bits and pieces to keep the business running. So his job is very important. But, no, looking forward to put sorry. Yeah. That's right. That's exactly right. No. All good. Well, what I'll do is I'll put this advice together. We'll come back and have a really good chat about it on the thirteenth. In the meantime, I'll get that email through to you. And if you either if you find you have any additional questions, please let me know. In my world, there is no such thing as a silly question. If there's something you need answered, you're welcome to shoot me an email, give me a call, and I'll make sure I answer it for you. Okay? My pleasure. I hope you both have a lovely day. Camille, it was amazing to meet you. It's good to talk to you finally. My pleasure. Enjoy your day, guys. I'll talk to you soon. K. See you later. 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Neil. It's Dana from Oakview Financial. How are you? Oh, you're fine. You're not a problem at all.\n\nI'm running a little bit late today as well, so do not worry in any way, shape, or form. All good. I had you booked in just to have a bit of a follow-up conversation from our chat last week. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nYep. Fantastic. And just to do security, we're just discussing your personal information. So I'll get you to confirm your full name, date of birth, and address I should have on file. Yep.\n\nPerfect. Thank you so much for that. How did you go with the application for Centrelink? Is it all submitted now? Yep.\n\nOkay. Perfect. Yeah. Okay. Yep.\n\nYep. Well, the seniors card should all work now. If you've got it, you're eligible for it. So you should be fine to use that now. It's more just the health care card that comes with having age pension.\n\nThat all kind of comes through once you've got the approval. Yeah. Fantastic. It's all moving along. That's really good to hear.\n\nWith your are you needing to sort of take anything out of super at the moment? Are you just wanting to leave everything in super and have it continue to grow for the moment? Or what's your thoughts with super? Yeah. Hi.\n\nI'm lovely to meet you. How are you? Yeah. Okay. Yes.\n\nOkay. Yeah. I can do that. Yeah. So there's a couple of things.\n\nIt really just depends on the circumstances you guys are at. So what we can do with the advice is we can focus on drawing out what you guys need to pay down the mortgage completely. I'll just get used to if you can describe me, like, a a statement or a payout figure. There's something showing how much you have owing left on the mortgage, and we can look at doing that. The benefit of doing it that way is that whilst you are taking a little bit out of Neil's Super at the moment, you're putting it onto the mortgage.\n\nAnd the mortgage for Centrelink purposes is all the houses exempt. So that money going on to pay down the mortgage is going towards the property, which exempts that money, which reduces a little bit of the super so you can update your balance with Centrelink, and that should hopefully help to increase the benefit amount a little bit. But when it comes to drawing down, what we kinda wanna look at is what do you need to live on on a weekly basis or a fortnightly basis depending on your circumstances, how much you're bringing home on a regular basis from work, but then also how much you're getting from or how much you're gonna get from Centrelink, and then we can work out how much you need to draw down from Super to replenish that income amount if that makes sense. Yeah. Perfect.\n\nSo with you're right. Sorry. Yep. Yeah. Yeah.\n\nYeah. Yes. Yes. Not not necessarily. We can organize and start drawing some money down now.\n\nSo the advice will take me about a week or two just to put together. So I would probably book you guys back in for another appointment in two weeks to go to the advice. I can look at now what you guys need to live on, and we can start by drawing a higher level of income now. And then I can even, as part of the advice, factor in the Centrelink side of things for you and estimate how much you're expected to get and then work out when you get that Centrelink how much we can reduce the drawdowns from Superbuy so we can alter that down the track. And then when you actually get Centrelink, we'll just reconfirm the amount in case it's a bit of a discrepancy, which can happen because I do everything manually, and they use the computer to do all their information.\n\nSo if if you're comfortable with me doing it that way, I don't wanna put too much out there and make it too over complex, but there's a lot that I can sort of do in this space to help you guys out a little bit and factoring in those differences over the next few months if that's easier for you. Yeah? Perfect. So how much do you need how much do you guys think you need to live on on, say, a weekly basis at the moment or a fortnightly basis? Sorry.\n\nYeah. Mhmm. Mhmm. Yes. Yeah.\n\nSo, yeah, we wanna sort of understand how much you need to how much you both need to earn together to cover all your regular living expenses, your, you know, currently, your mortgage payments, that'll all change shortly. But if we factor that in now, even when you pay down the mortgage, that little bit of extra money can help to, you know, provide your eating out or be put away as savings for something down the track. Yeah. The other thing I can do is, if you like, is I could send you through a a budget planner if you wanted to sit down and maybe go through those expenses and add them into the budget plan to just see what your living comes out like. Yeah.\n\nWould that be something you'd be open to doing? Or yeah. Yeah. Perfect. Just so I understand how much you need to live on on a weekly basis, and then I can sort of factor in your wage, And then we can work out how much the drawdown from super needs to be.\n\nWhat I would probably also wanna look at doing, Neil, if you're comfortable, is moving at the moment, you're in accumulation phase. And because you're applying for age pension when you turn 67, all of that is fully accessible. So I probably wanna look at moving you out of the accumulation phase and into the pension phase because inside pension phase, there's no income tax and no capital gains. So you're actually saving money by sitting in pension phase as well as drawing down a regular income. Are you open to me looking at that for you as well, Neil?\n\nYep. Beautiful. Yeah. Yep. Yep.\n\nYep. Yay. So they give you you have, like, the work of the work bonus. And so if you do get a job and you are working a certain amount of hours on a a fortnightly basis, they give you a separate assessment. So they reduce the amount of work that or the the money you receive.\n\nThey assess it slightly differently. And if you're not if you work for a few weeks and don't work for a few weeks, then you accumulate that work bonus there. So you can do some work. There are limitations around how much you can earn and how much you can work and things like that. But, yeah, she's exactly right.\n\nYou absolutely can take on a little bit of work if you want to. Yeah. Look forward to absolutely. Absolutely. So what I'll do after the call, if you like, I'll send you an email.\n\nIf you can send through a copy of the updated statement showing how much you need to draw to cover the cost of the mortgage, just make that free and clear. And I will also send you the budget planner. So if you can just confirm for me just go through, fill it out together. I would suggest that I have a cup of tea, sit down, talk it through, have a bit of a look at what's regularly coming out. And the good thing about the budget plan that we use is that it doesn't matter if your bills come out weekly, fortnightly, monthly, or quarterly.\n\nYou can work out how much you pay for each of those, and the tab, actually, you can change it. So one bill might be weekly, one bill might be six monthly, one bill might be yearly. And you can change the tabs, and it automatically recalculates it for you to either a fortnightly or monthly amount to make it a little bit more consistent for you guys. Okay? Beautiful.\n\nAnd can I double check your income? You mentioned that you are working a little bit at the moment, that you are still bringing home an income. Did you want me to maybe factor that into reduce that from the amount you guys need to live on and how much Neil needs to draw out of super? Or did you wanna just keep your income as a secondary a bit of bonus income for, you know, incidentals or fun? Yep.\n\nOkay. Yeah. Yep. Yeah. Yep.\n\nAs a bonus yeah. No. That's fantastic. And Neil may have mentioned that you've got a trip coming up in a few months to Europe. No.\n\nThat's fantastic. As much as it's probably a hardship, I hope you enjoy it as well. It sounds amazing. Yeah. No.\n\nThat is fantastic. It's always good to have employers that look after you. We all work so hard. All good. Well, what I'll do that's perfectly fine.\n\nSo I can do that. If you were to sort of put your income into maybe just a regular amount, How much would you say you do get on a regular basis? Just the one sort of updating everything in the back end for you guys as well. Yeah. Yeah.\n\nOkay. Perfect. Yep. Beautiful. Fantastic.\n\nAnd I'm just trying to pull up the this isn't working for me. I'm just trying to have a look at what I had down here for assets and liabilities as well just to sort of see if everything is still on track from where we had it last time, but it's not really working for me today. I love the technology. What I'll do the Excel spreadsheet is not opening for me, so I just wanna go through and update all of your assets and liabilities there as well. Just checking what I've got here.\n\nThe current value of the house, what would you guys put down for current value of the house? Yep. Perfect. Beautiful. I can always double check some of the research material we have here if you like and just sort of reconfirm the address and what average value some of the research material might place in it for you.\n\nBeautiful. And we're gonna get an updated mortgage statement, which shows the balance. So I can just leave that one blank for the moment. Other assets that we have down, how many cars do you have? Beautiful.\n\nAnd what sort of cars are they? Yep. Thousand cent and a Ford. Beautiful. And what sort of value would you put on each of those vehicles?\n\nWhat just value to use if you guys had to sell those vehicles tomorrow, what's the value would you put on it? What would you want for it? Mhmm. Yeah. For eight of them.\n\nYeah. That's perfect. Yeah. Beautiful. Excellent.\n\nAnd you own them both out. Right? There's no loans on either of those vehicles? Nope. Perfect.\n\nExcellent. Any other assets that may you may have there? Any other cars, boats, caravans, anything else of value? Nope. That's okay.\n\nPerfect. And contents. Did you what did you sort of have or noted for settling for content? Yeah. Yes.\n\nAbsolutely. What I'm not sure how you filled out the application for Centrelink, but when I normally help my clients do Centrelink applications, we normally look at making sure everything's on fire sale value. So for Centrelink purposes, we never value contents more than 10,000 for a couple. However, when you consider your content insurance, obviously, the the value of things is gonna be greatly higher. But we looked at FireSafe values for Centrelink valuation.\n\nYeah. Yep. Beautiful. Do you remember what if you'd put 10,000 or more on the content to send link to the application? Yeah.\n\nDo you have yeah. Sorry. Do you have a breakdown or a copy of the application that was submitted? Yeah. If I was to as part of the email, if you could email me a copy of that, I can have a look at everything that's being submitted for you, and then I can kind of do the math, and that'll help with the advice and work out what the estimated Centrelink entitlement might look like for you guys.\n\nYep. Perfect. So settling entitlement might look like. Beautiful. Yes.\n\nSo I can run through and have a look at all the assets that you've noted, what the values are, work out the estimated entitlement for you. When Camilla, when it came to your income, did it ask for the average income you were earning on a regular basis, or did it what did it sort of ask you in relation to that? Okay. Yeah. Yeah.\n\nYeah. No. That's okay. Not a problem at all. What I'll get you to know if it's okay is I'll send you an email shortly there, Neil, just if you can grab me the statement.\n\nI'll send you, like, the budget plan to fill out, and please let me know if you have any trouble filling that out because I'm more than happy to, you know, talk you through it. And if you can send me just a copy of the the details on the Centrelink application, then I can kinda go forward, and I could do a review of your super. I can look at what you guys might be eligible for Centrelink wise. We can have a look at how to draw down the money so you can start living a little bit more and and getting that regular income draw down from Super as well. And I'll look at that full draw the the one off draw down as well for covering the mortgage.\n\nSo that's free and clear and one less debt to worry about. Is there anything else goal wise in the medium term that might be important to to both of you that you might wanna access funds for in the short term? That's That's okay. That's alright. Yeah.\n\nWas it done through your myGov account at all? Yep. Perfect. So if you guys log in to your MyGov account and go into the Centrelink section and go into current claims, in the email if you like, I will add the instructions on how to go in there. You can actually go in and save the application down, and you can sort of see all the all the questions that you answered.\n\nDo you want me to add the the instructions and know how to access that to save it down to maybe send that to me as well? Would that be okay? Yep. Beautiful. If you get stuck with any of this, please let me know.\n\nNeil, you know you can call me at any time, and I'll always take the call or call you straight back. If you get stuck, have any questions, need any help finding anything, let me know. Okay? Beautiful. Excellent.\n\nAlright. We'll have a look at that. I'll go through the assets. So one for the basic advice, and then please tell me if I'm missing anything, is I'm looking at your super. What I'd like to probably also do, Neil, is I'm just sort of having a look at your investments inside super.\n\nI just also wanna maybe have a bit of a look at those and maybe redig them a little bit for you as well. I am sort of noticing that there is one investment in your super that has it's whilst it's still performing really well, has underperformed a little bit. So I would like to maybe look at maneuvering that out and getting rid of it and replace it with something that's performing a bit better. It might also be a bit cheaper for you in investment fees. Would that be okay?\n\nYep. It is Bennelong. Yes. Yeah. So would love to get rid of that one there.\n\nHas it is underperforming a little bit as an investment, so I would like to remove it out of there. To give you a little bit of an idea, Banner Long is a managed fund, and they were more of an actively managed fund. So the investment manager there is trying to outperform against the market. And whilst we have seen these ups and downs with what's happening globally at the moment, the investment manager hasn't been able to do that. They've had some underlying issues.\n\nSo we've gone back and had a little bit of a look. There's actually some other investments which create better diversification, can help to lower the risk of your portfolio, but are also cheaper and have performed a bit better than banner longs. If you're comfortable with me making those changes for you, I'd love to swap that out, put something else in there that's making sure your portfolio is working better for you, maybe rebalance things a little bit for you as well just to make sure you're not taking on too much risk, and then also look at moving you into that pension phase, look at that one off drawdown, look at the regular income drawdowns for you, and, you know, see what we can do to help long term there. Is that okay? You that's okay.\n\nIt's not a problem. It's what I'm here for. Once I've got an idea of what your income looks like, I'll look at drawing down the income, then I'll also assess, you know, when you're able to start drawing that Centrelink, whether we can reduce the amount a little bit down or whether we don't. And I'll show you with the advice the same as last time. I'll outline it in an advice document, so we'll go through it together page by page.\n\nYou can have a look at the recommendations. I'll run you through what I'm recommending, how and why, the advantages, disadvantages, the risks involved, and then you get to take it back, have a bit of a read over it. Let me know if you have any questions and decide what you're comfortable taking on board. How does that sound? Yes.\n\nBeautiful. Am I missing anything with regards to the advice structure? Is there anything else that you guys wanted me to include or add in there? No. That's okay.\n\nIf anything comes up, you're welcome to let me know. The other thing I just wanted to sort of touch base on, Neil, is your risk profile as well. We did look at that last year. So with your profile, you're not in a high risk category at the moment, which is really good. That's what we wanna see.\n\nInvestment wise, you're in a balanced growth environment. So that's where you generally see about 70% of your super invested in growth assets. So I think things like Australian shares, international shares, listed property, and also commodities, like gold and silver, and then the other 30% in defensive investments, so things like cash, bonds, fixed interest, lower risk investments, more cash producing. It might even be worthwhile reducing that down a bit more by another 10% to more of the balanced environment, just lowering your risk level a little bit there. Did you want me to look at the risk profile with you as well and maybe readjust that so you're taking a bit less risk in the market whilst we are going into that pension phase?\n\nYep. Absolutely. What I'll do now, I've got a little questionnaire. It's the same one that you've done the last couple of years. I'll just run through that with you here just to sort of gauge where you're scoring, and we can work out how far we need to adjust that for you.\n\nAll good. So the first one here is have you ever invested in any direct shares or managed funds in your own name before? Have you ever owned investments before? Yep. Yep.\n\nThat's okay. Not a problem. The next one here's sorry. You're right. I apologize.\n\nOkay. Wow. Okay. Interesting. Yeah.\n\nOkay. Interesting. Yeah. Yeah. Yeah.\n\nYeah. Yep. Yeah. That'd be fabulous. If you can just find a statement or just the number of how many shares you have and when you purchased them, that'd be that'd be great.\n\nJust to kind of include wow. Look. I'll be honest with you. I'm not as young as you think. I was born in '84, so I am 42 this year.\n\nOh, thank you. No. It's all good. Yeah. If you can find out any information, that would be fabulous.\n\nJust to kinda have in the background, and we could also look at, you know, whether you keep them, whether you sell them, what that looks like tax wise for you guys just to sort of, you know, see what's what's possible for you. Oh, you never know. All good. Now the next question here is asking about the time horizon. So when you're wanting to access your capital, admittedly, you are wanting to start drawing an income as soon as possible because you need to, you know, pay your bills and whatnot.\n\nSo I'm putting in less than two years, which is the the lowest option I've got. Okay? The next one here is asking about how you feel about risk. So how do you feel essentially, when you think about your super and how much you have in super there, how do you feel about taking on more risk to get greater potential returns? If you sort of thought about risk as a number between one and five, five being taking heaps of risk, a 100% in shares in the market, and one being no risk at all.\n\nWhere do you think you might sit in that category? Tough one. Tough one. Yep. Mhmm.\n\nYep. At $2.00 3? Yeah. Perfect. Excellent.\n\nThere we go. I'll pop I'll pop you in with a two just because I feel like with that, you know, moving into that kind of retirement phase and looking to draw money out as super, being a bit more conservative is never a bad thing. Okay. Excellent. And the next one here says, how would you feel if you saw your Super four by 20% over the next six months due to what was happening externally in the market?\n\nDo you think you'd be wanting to put more money into the investment? It could be a buying opportunity. Are you a bit concerned calling me and having a chat about what's going on globally in the markets, or are you feeling like cementing the losses and taking the money out because you're very concerned? Yep. Perfect.\n\nThe next one sorry. You're up. Yeah. Yep. Absolutely.\n\nPerfect. The next one here is what sort of reasonable rate of return are you trying to achieve from your portfolio over the longer term? So the reason we kind of ask this question quite regularly is because everyone wants the best return they can get from their super and from their investments. But in order to get the higher levels of return, you do need to be willing to take on a higher level of risk to achieve so. So are you more comfortable maybe looking at a two, a four, a six, or an 8% return by taking a bit less risk in the market with your super, or are you still wanting to, you know, be comfortable trying to get the best returns you possibly can and take on a bit more risk?\n\nHow do you think you're feeling? Yep. It is. Yeah. Mhmm.\n\nYep. Yep. Definitely. And that's the other thing we do need to think about is as much as retiring now means that you you're accessing your super now, you've got another, you know, twenty or thirty or forty years in retirement. So you still have a long time to make it last.\n\nYou could definitely kinda go in between. I mean, for taking on a lower amount of risk, it's still okay to be looking for, say, four to 6% of a return on a regular basis and trying to aim for that. And that's kind of middle of the range when we're looking at average returns. I mean, some lower risk portfolios get really great returns, have, you know, 20% returns some years. Some years are a little bit lower.\n\nBut it's more just what we're kinda aiming for in this kind of environment. So would you say four to 6% on a yearly basis would be fairly comfortable for you? Yep. Beautiful. Excellent.\n\nThe next one here is, again, looking at how you'd feel if your super did take a bit of a dip. I kinda feel by talking to you both that you would be a bit concerned about super taking a large dip and having the value drop considerably. Am I on the right track with that? Yep. Perfect.\n\nAnd the last one here is, have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever borrowed the safe property? Yep. Perfect. And have you ever owned an investment property, or is it just your main PTR, your primary residence? Yep.\n\nYep. Perfect. Okay. So, Neil, you have definitely scored slightly lower. So you're in that moderate bracket now.\n\nWith the portfolio you're in now, we kinda went through what that looks like. But in that moderate sort of area, you're looking at reducing it down to either a balanced or a more defensive environment. So the balanced portfolio generally sees around about 50 to 60% of your super investing growth assets, so things like Australian shares, international shares, property, and commodities again there for you. And then the other sort of 30 the 50 to 40 to 50% in defensive low risk investments. The average rate of return we're chasing with this sort of a portfolio is about five to 7%.\n\nAnd because there's always gonna be risk in the market, there's always years where maybe we receive a lower rate of return or negative return. With this kind of portfolio, it's about one in seven years, so it is relatively low risk. It suits someone who has about three years investment time horizon, so you can be in a sort of a portfolio moving into those retirement years. That's moving you down one risk profile from where you are currently. The other option is if you still feel that that's a little bit too high, we can always move you down into more defensive environment, which is basically a whole switch on where you are.\n\nAnd that would be about 25 to 35% in growth assets, and then we have 65 to 75% in defensive lower risk investments. We're chasing a return expected return of around two to 3% with this kind of defensive environment, and the likelihood of a negative return is still kind of one in every seven years with this sort of defensive portfolio as well. How does that make you feel? What sort of level or what sort of portfolio would you like to see your funds invested in? Risk profile by maybe 10% move one down to see how that looks for the next few months?\n\nAnd then we can always look to reduce it further if it's not comfortable for you. Yep. Beautiful. You're okay with that? Excellent.\n\nYep. Beautiful. Well, what I'll do is I'll go and have a bit of a look at all the investments. I'll do some research around all that for you. I'll come back and show you what that looks like.\n\nI know it's a little bit hard with this conversation because it's kinda just all what we're talking about until you actually see the advice document, see what we've put together, and are able to see everything in front of you. It can be a little bit much, so I do apologize about that. But leave it with me. Sorry. Yeah.\n\nIt does. It really does. And this is sort of the area that I love, and I know I'm I'm 42 this year as I kinda mentioned before, but a lot of my work in this in our office is in that retirement space. So I do look at a lot of that for a lot of our clients, which fantastic. So I'll do a lot of research in there for you.\n\nWe'll do regular catch ups to make sure everything's working for you, and we can adjust the advice as things change for you. Because I want this to work for you now, but I wanna make sure it lasts for you as well. Yeah. You've got a long time to go on retirement. You've got a lot that you probably wanna do in that time frame as well.\n\nSo we'll make sure we're here to support you all the way through that. Okay? All good. Well, what I'll do now is I'll send through a bit of a recap email. Just going through the things that we've gone through and discussed.\n\nI'll just also get send the budget planner out for you. I'll also send through the instructions on how to get the Centrelink application that's being submitted through myGov. And if you can send me a statement as well as the application details, I can go and have a look at everything. If I do have additional questions, either myself or my admin team member, Michelle, would touch base and, you know, ask anything else that we possibly need. And then if you like, we can make a time in about two weeks to come back and provide that advice.\n\nIs that okay? Yep. Perfect. Let's make that time for you now. So in my calendar, we can definitely do that.\n\nAnd did you want sort of this time of day I know we're a bit late today. I'm so sorry about that. But did you want kind of 11:30 on a Wednesday? Yeah. Absolutely.\n\nNot a problem at all. No. No. No. You're fine.\n\nYou I honestly have lunch whenever I'm hungry, and these days, I'm not very hungry. So it's all good. Let's have a look. So two weeks will put us at the May 13, and 10AM, I can do I've actually got most of that day free. So did you want 10:00 in the morning and we can go through it to them together?\n\nIs that suitable? Perfect. Yep. 10:00 your time. That's twelve o'clock my time.\n\nYeah. That's okay. It's not a problem at all. It's all booked in. I've added a text message reminder on there for you, so it'll send you a message an hour prior just reminding you of the appointment.\n\nAnd if anything comes up and you need to change it, just let me know. I'm very flexible, and I do work a lot after hours as well kind of in the evening to make it easier on everyone as well, especially for you guys in WA. So yeah. That's okay. What was that, Neil?\n\nSorry. Yeah. Yeah. Well, Bart trained me, so, hopefully, I'm half as good as him. He does.\n\nHe does. Bart does all the the owner stuff, all the compliance things, talking to and all the bits and pieces to keep the business running. So his job is very important. But, no, looking forward to put sorry. Yeah.\n\nThat's right. That's exactly right. No. All good. Well, what I'll do is I'll put this advice together.\n\nWe'll come back and have a really good chat about it on the thirteenth. In the meantime, I'll get that email through to you. And if you either if you find you have any additional questions, please let me know. In my world, there is no such thing as a silly question. If there's something you need answered, you're welcome to shoot me an email, give me a call, and I'll make sure I answer it for you.\n\nOkay? My pleasure. I hope you both have a lovely day. Camille, it was amazing to meet you. It's good to talk to you finally.\n\nMy pleasure. Enjoy your day, guys. I'll talk to you soon. K. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey, Neil.","start":2.48,"end":3.04,"sentiment":"neutral","sentiment_score":0.10570722073316574},{"text":"It's Dana from Oakview Financial.","start":3.04,"end":4.66,"sentiment":"neutral","sentiment_score":0.1576564133167267},{"text":"How are you?","start":4.72,"end":5.54,"sentiment":"neutral","sentiment_score":0.17534683644771576},{"text":"Oh, you're fine.","start":8.88,"end":9.76,"sentiment":"neutral","sentiment_score":0.2765737771987915},{"text":"You're not a problem at all.","start":9.76,"end":10.8,"sentiment":"positive","sentiment_score":0.3919345637162526}],"sentiment":"neutral","sentiment_score":0.24774030164668434,"num_words":19,"start":2.48,"end":10.8},{"sentences":[{"text":"I'm running a little bit late today as well, so do not worry in any way, shape, or form.","start":10.8,"end":14.66,"sentiment":"neutral","sentiment_score":0.16201941041569962},{"text":"All good.","start":16.814999,"end":17.715,"sentiment":"positive","sentiment_score":0.5059795677661896},{"text":"I had you booked in just to have a bit of a follow-up conversation from our chat last week.","start":17.935,"end":22.355,"sentiment":"neutral","sentiment_score":0.2450636248839529},{"text":"Before I jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":23.695,"end":28.255,"sentiment":"neutral","sentiment_score":0.16010300389357976},{"text":"Are you happy for me to proceed with that?","start":28.255,"end":30.355,"sentiment":"neutral","sentiment_score":0.23375268942779964}],"sentiment":"neutral","sentiment_score":0.203035344183445,"num_words":70,"start":10.8,"end":30.355},{"sentences":[{"text":"Yep.","start":31.65,"end":32.13,"sentiment":"neutral","sentiment_score":0.19787687063217163},{"text":"Fantastic.","start":32.13,"end":32.63,"sentiment":"positive","sentiment_score":0.6030377149581909},{"text":"And just to do security, we're just discussing your personal information.","start":32.93,"end":36.13,"sentiment":"neutral","sentiment_score":0.260297340425578},{"text":"So I'll get you to confirm your full name, date of birth, and address I should have on file.","start":36.13,"end":39.83,"sentiment":"neutral","sentiment_score":0.19443799712155996},{"text":"Yep.","start":43.745003,"end":44.245003,"sentiment":"neutral","sentiment_score":0.025417465716600415}],"sentiment":"neutral","sentiment_score":0.22375529519084728,"num_words":33,"start":31.65,"end":44.245003},{"sentences":[{"text":"Perfect.","start":48.065002,"end":48.565002,"sentiment":"positive","sentiment_score":0.5298221111297607},{"text":"Thank you so much for that.","start":48.625,"end":50.065002,"sentiment":"positive","sentiment_score":0.6479498147964478},{"text":"How did you go with the application for Centrelink?","start":50.065002,"end":52.385002,"sentiment":"neutral","sentiment_score":0.286174217859904},{"text":"Is it all submitted now?","start":52.385002,"end":53.845,"sentiment":"neutral","sentiment_score":0.16277119517326355},{"text":"Yep.","start":56.45,"end":56.95,"sentiment":"neutral","sentiment_score":-0.09379613399505617}],"sentiment":"positive","sentiment_score":0.3505976728417657,"num_words":22,"start":48.065002,"end":56.95},{"sentences":[{"text":"Okay.","start":64.69,"end":65.19,"sentiment":"neutral","sentiment_score":0.12246348708868028},{"text":"Perfect.","start":65.33,"end":65.83,"sentiment":"neutral","sentiment_score":0.20848193764686584},{"text":"Yeah.","start":68.61,"end":69.11,"sentiment":"neutral","sentiment_score":-0.0022556260228157043},{"text":"Okay.","start":78.735,"end":79.235,"sentiment":"neutral","sentiment_score":-0.01102420873939991},{"text":"Yep.","start":85.350006,"end":85.83,"sentiment":"neutral","sentiment_score":-0.007771048694849014}],"sentiment":"neutral","sentiment_score":0.0619789082556963,"num_words":5,"start":64.69,"end":85.83},{"sentences":[{"text":"Yep.","start":85.83,"end":86.33,"sentiment":"neutral","sentiment_score":-0.01965363696217537},{"text":"Well, the seniors card should all work now.","start":102.965,"end":106.485,"sentiment":"neutral","sentiment_score":0.07103690458461642},{"text":"If you've got it, you're eligible for it.","start":106.485,"end":108.325,"sentiment":"neutral","sentiment_score":0.12759217247366905},{"text":"So you should be fine to use that now.","start":108.325,"end":110.265,"sentiment":"neutral","sentiment_score":0.1553590546051661},{"text":"It's more just the health care card that comes with having age pension.","start":110.76,"end":114.92,"sentiment":"neutral","sentiment_score":0.08481975186329621}],"sentiment":"neutral","sentiment_score":0.10436582679931934,"num_words":39,"start":85.83,"end":114.92},{"sentences":[{"text":"That all kind of comes through once you've got the approval.","start":114.92,"end":118.299995,"sentiment":"neutral","sentiment_score":0.1098574846982956},{"text":"Yeah.","start":120.119995,"end":120.619995,"sentiment":"neutral","sentiment_score":0.2596029043197632},{"text":"Fantastic.","start":121.0,"end":121.5,"sentiment":"positive","sentiment_score":0.6023362278938293},{"text":"It's all moving along.","start":121.64,"end":122.84,"sentiment":"positive","sentiment_score":0.6147282868623734},{"text":"That's really good to hear.","start":122.84,"end":124.299995,"sentiment":"positive","sentiment_score":0.667131781578064}],"sentiment":"positive","sentiment_score":0.3574974326924844,"num_words":22,"start":114.92,"end":124.299995},{"sentences":[{"text":"With your are you needing to sort of take anything out of super at the moment?","start":125.765,"end":129.285,"sentiment":"neutral","sentiment_score":-0.1261466578580439},{"text":"Are you just wanting to leave everything in super and have it continue to grow for the moment?","start":129.285,"end":133.125,"sentiment":"neutral","sentiment_score":0.20034536264008945},{"text":"Or what's your thoughts with super?","start":133.125,"end":134.665,"sentiment":"neutral","sentiment_score":0.025424729722241562},{"text":"Yeah.","start":139.605,"end":140.105,"sentiment":"neutral","sentiment_score":0.2199205756187439},{"text":"Hi.","start":142.8,"end":143.3,"sentiment":"positive","sentiment_score":0.41071251034736633}],"sentiment":"neutral","sentiment_score":0.05645360633553494,"num_words":42,"start":125.765,"end":143.3},{"sentences":[{"text":"I'm lovely to meet you.","start":143.84,"end":145.12,"sentiment":"positive","sentiment_score":0.8297529101371766},{"text":"How are you?","start":145.12,"end":146.02,"sentiment":"positive","sentiment_score":0.5777044693628947},{"text":"Yeah.","start":148.32,"end":148.82,"sentiment":"positive","sentiment_score":0.3429511785507202},{"text":"Okay.","start":161.975,"end":162.475,"sentiment":"neutral","sentiment_score":0.10810167342424391},{"text":"Yes.","start":162.615,"end":163.115,"sentiment":"neutral","sentiment_score":0.11846008896827698}],"sentiment":"positive","sentiment_score":0.5864900817925279,"num_words":11,"start":143.84,"end":163.115},{"sentences":[{"text":"Okay.","start":167.255,"end":167.755,"sentiment":"neutral","sentiment_score":0.10626153647899628},{"text":"Yeah.","start":167.815,"end":168.05501,"sentiment":"neutral","sentiment_score":0.19902142882347107},{"text":"I can do that.","start":168.05501,"end":169.195,"sentiment":"neutral","sentiment_score":0.2212517447769642},{"text":"Yeah.","start":196.385,"end":196.705,"sentiment":"neutral","sentiment_score":0.019845154136419296},{"text":"So there's a couple of things.","start":196.705,"end":197.825,"sentiment":"neutral","sentiment_score":-0.009063969676693281}],"sentiment":"neutral","sentiment_score":0.08890394465281413,"num_words":13,"start":167.255,"end":197.825},{"sentences":[{"text":"It really just depends on the circumstances you guys are at.","start":197.825,"end":200.43001,"sentiment":"neutral","sentiment_score":-0.04231179641051726},{"text":"So what we can do with the advice is we can focus on drawing out what you guys need to pay down the mortgage completely.","start":200.43001,"end":208.77,"sentiment":"neutral","sentiment_score":0.10368960738182068},{"text":"I'll just get used to if you can describe me, like, a a statement or a payout figure.","start":208.83,"end":214.755,"sentiment":"neutral","sentiment_score":0.1099416311416361},{"text":"There's something showing how much you have owing left on the mortgage, and we can look at doing that.","start":214.755,"end":219.495,"sentiment":"neutral","sentiment_score":0.1427178245625998},{"text":"The benefit of doing it that way is that whilst you are taking a little bit out of Neil's Super at the moment, you're putting it onto the mortgage.","start":220.115,"end":228.18001,"sentiment":"neutral","sentiment_score":0.11438883455662892}],"sentiment":"neutral","sentiment_score":0.09935955542559717,"num_words":102,"start":197.825,"end":228.18001},{"sentences":[{"text":"And the mortgage for Centrelink purposes is all the houses exempt.","start":228.18001,"end":232.36,"sentiment":"neutral","sentiment_score":-0.01328580758788369},{"text":"So that money going on to pay down the mortgage is going towards the property, which exempts that money, which reduces a little bit of the super so you can update your balance with Centrelink, and that should hopefully help to increase the benefit amount a little bit.","start":232.66,"end":245.865,"sentiment":"neutral","sentiment_score":0.2975974304911991},{"text":"But when it comes to drawing down, what we kinda wanna look at is what do you need to live on on a weekly basis or a fortnightly basis depending on your circumstances, how much you're bringing home on a regular basis from work, but then also how much you're getting from or how much you're gonna get from Centrelink, and then we can work out how much you need to draw down from Super to replenish that income amount if that makes sense.","start":246.405,"end":270.08002,"sentiment":"neutral","sentiment_score":0.05514964768441305},{"text":"Yeah.","start":272.655,"end":273.155,"sentiment":"positive","sentiment_score":0.4302876591682434},{"text":"Perfect.","start":273.61502,"end":274.11502,"sentiment":"positive","sentiment_score":0.6155823469161987}],"sentiment":"neutral","sentiment_score":0.13666878063231708,"num_words":145,"start":228.18001,"end":274.11502},{"sentences":[{"text":"So with you're right.","start":274.655,"end":276.815,"sentiment":"neutral","sentiment_score":0.2894907519221306},{"text":"Sorry.","start":276.815,"end":277.315,"sentiment":"neutral","sentiment_score":-0.08705540001392365},{"text":"Yep.","start":286.46002,"end":286.96002,"sentiment":"neutral","sentiment_score":0.04164236783981323},{"text":"Yeah.","start":301.045,"end":301.545,"sentiment":"neutral","sentiment_score":-0.0692499503493309},{"text":"Yeah.","start":302.005,"end":302.505,"sentiment":"neutral","sentiment_score":-0.13977505266666412}],"sentiment":"neutral","sentiment_score":0.11294062156230211,"num_words":8,"start":274.655,"end":302.505},{"sentences":[{"text":"Yeah.","start":314.87,"end":315.37,"sentiment":"neutral","sentiment_score":0.019296439364552494},{"text":"Yes.","start":315.43,"end":315.93,"sentiment":"neutral","sentiment_score":0.07697027921676636},{"text":"Yes.","start":316.15,"end":316.65,"sentiment":"neutral","sentiment_score":0.10108740627765656},{"text":"Not not necessarily.","start":328.30502,"end":329.605,"sentiment":"neutral","sentiment_score":-0.05466546614964803},{"text":"We can organize and start drawing some money down now.","start":330.625,"end":333.745,"sentiment":"neutral","sentiment_score":0.03468087315559387}],"sentiment":"neutral","sentiment_score":0.023760403622873127,"num_words":16,"start":314.87,"end":333.745},{"sentences":[{"text":"So the advice will take me about a week or two just to put together.","start":333.745,"end":337.505,"sentiment":"neutral","sentiment_score":0.14320929149786632},{"text":"So I would probably book you guys back in for another appointment in two weeks to go to the advice.","start":337.505,"end":342.11,"sentiment":"neutral","sentiment_score":0.1588212251663208},{"text":"I can look at now what you guys need to live on, and we can start by drawing a higher level of income now.","start":342.81,"end":348.83,"sentiment":"neutral","sentiment_score":0.2930498818556468},{"text":"And then I can even, as part of the advice, factor in the Centrelink side of things for you and estimate how much you're expected to get and then work out when you get that Centrelink how much we can reduce the drawdowns from Superbuy so we can alter that down the track.","start":349.21,"end":367.215,"sentiment":"neutral","sentiment_score":0.21101461438778438},{"text":"And then when you actually get Centrelink, we'll just reconfirm the amount in case it's a bit of a discrepancy, which can happen because I do everything manually, and they use the computer to do all their information.","start":367.215,"end":378.85,"sentiment":"neutral","sentiment_score":-0.009531976197506179}],"sentiment":"neutral","sentiment_score":0.15452880338251512,"num_words":150,"start":333.745,"end":378.85},{"sentences":[{"text":"So if if you're comfortable with me doing it that way, I don't wanna put too much out there and make it too over complex, but there's a lot that I can sort of do in this space to help you guys out a little bit and factoring in those differences over the next few months if that's easier for you.","start":379.31,"end":396.815,"sentiment":"neutral","sentiment_score":0.15196825850938186},{"text":"Yeah?","start":398.30002,"end":398.80002,"sentiment":"positive","sentiment_score":0.36785537004470825},{"text":"Perfect.","start":399.98,"end":400.48,"sentiment":"positive","sentiment_score":0.6267946362495422},{"text":"So how much do you need how much do you guys think you need to live on on, say, a weekly basis at the moment or a fortnightly basis?","start":400.94,"end":411.90002,"sentiment":"neutral","sentiment_score":0.13708574825833583},{"text":"Sorry.","start":411.90002,"end":412.40002,"sentiment":"neutral","sentiment_score":-0.0333762988448143}],"sentiment":"neutral","sentiment_score":0.15276155027971472,"num_words":93,"start":379.31,"end":412.40002},{"sentences":[{"text":"Yeah.","start":415.22498,"end":415.72498,"sentiment":"neutral","sentiment_score":0.0329008474946022},{"text":"Mhmm.","start":427.65002,"end":428.15002,"sentiment":"neutral","sentiment_score":0.02652699127793312},{"text":"Mhmm.","start":434.85,"end":435.35,"sentiment":"neutral","sentiment_score":0.005169162526726723},{"text":"Yes.","start":436.29,"end":436.79,"sentiment":"neutral","sentiment_score":0.08780135214328766},{"text":"Yeah.","start":436.85,"end":437.09003,"sentiment":"neutral","sentiment_score":0.0874643325805664}],"sentiment":"neutral","sentiment_score":0.047972537204623224,"num_words":5,"start":415.22498,"end":437.09003},{"sentences":[{"text":"So, yeah, we wanna sort of understand how much you need to how much you both need to earn together to cover all your regular living expenses, your, you know, currently, your mortgage payments, that'll all change shortly.","start":437.09003,"end":449.81497,"sentiment":"neutral","sentiment_score":0.08005451067889992},{"text":"But if we factor that in now, even when you pay down the mortgage, that little bit of extra money can help to, you know, provide your eating out or be put away as savings for something down the track.","start":449.81497,"end":462.04,"sentiment":"neutral","sentiment_score":0.22114510461688042},{"text":"Yeah.","start":465.38,"end":465.88,"sentiment":"neutral","sentiment_score":0.17137521505355835},{"text":"The other thing I can do is, if you like, is I could send you through a a budget planner if you wanted to sit down and maybe go through those expenses and add them into the budget plan to just see what your living comes out like.","start":466.1,"end":479.565,"sentiment":"neutral","sentiment_score":0.18458563461899757},{"text":"Yeah.","start":482.75,"end":483.23,"sentiment":"neutral","sentiment_score":0.18088959157466888}],"sentiment":"neutral","sentiment_score":0.16484570983448066,"num_words":128,"start":437.09003,"end":483.23},{"sentences":[{"text":"Would that be something you'd be open to doing?","start":483.23,"end":485.39,"sentiment":"neutral","sentiment_score":0.1887938545809852},{"text":"Or yeah.","start":485.39,"end":489.01,"sentiment":"neutral","sentiment_score":0.2307552993297577},{"text":"Yeah.","start":489.07,"end":489.47,"sentiment":"positive","sentiment_score":0.3588048815727234},{"text":"Perfect.","start":489.47,"end":489.95,"sentiment":"neutral","sentiment_score":0.1040273979306221},{"text":"Just so I understand how much you need to live on on a weekly basis, and then I can sort of factor in your wage, And then we can work out how much the drawdown from super needs to be.","start":489.95,"end":499.345,"sentiment":"neutral","sentiment_score":0.02114029482472688}],"sentiment":"neutral","sentiment_score":0.06545470495058119,"num_words":53,"start":483.23,"end":499.345},{"sentences":[{"text":"What I would probably also wanna look at doing, Neil, if you're comfortable, is moving at the moment, you're in accumulation phase.","start":499.565,"end":505.885,"sentiment":"neutral","sentiment_score":0.1295947381718592},{"text":"And because you're applying for age pension when you turn 67, all of that is fully accessible.","start":505.885,"end":511.94,"sentiment":"neutral","sentiment_score":0.1586768758647582},{"text":"So I probably wanna look at moving you out of the accumulation phase and into the pension phase because inside pension phase, there's no income tax and no capital gains.","start":512.08,"end":523.485,"sentiment":"neutral","sentiment_score":0.15332868173718453},{"text":"So you're actually saving money by sitting in pension phase as well as drawing down a regular income.","start":523.485,"end":528.865,"sentiment":"positive","sentiment_score":0.35010456873310936},{"text":"Are you open to me looking at that for you as well, Neil?","start":529.245,"end":532.065,"sentiment":"neutral","sentiment_score":0.11901141588504498}],"sentiment":"neutral","sentiment_score":0.1799748222529888,"num_words":100,"start":499.565,"end":532.065},{"sentences":[{"text":"Yep.","start":533.485,"end":533.985,"sentiment":"neutral","sentiment_score":0.2586103081703186},{"text":"Beautiful.","start":534.76495,"end":535.26495,"sentiment":"positive","sentiment_score":0.6101222038269043},{"text":"Yeah.","start":542.05,"end":542.55,"sentiment":"neutral","sentiment_score":0.0999978557229042},{"text":"Yep.","start":544.69,"end":545.19,"sentiment":"neutral","sentiment_score":0.104875385761261},{"text":"Yep.","start":545.57,"end":546.07,"sentiment":"neutral","sentiment_score":0.08181287348270416}],"sentiment":"neutral","sentiment_score":0.23108372539281846,"num_words":5,"start":533.485,"end":546.07},{"sentences":[{"text":"Yep.","start":549.825,"end":550.145,"sentiment":"neutral","sentiment_score":0.17155331373214722},{"text":"Yay.","start":550.145,"end":550.625,"sentiment":"positive","sentiment_score":0.36194348335266113},{"text":"So they give you you have, like, the work of the work bonus.","start":550.625,"end":553.36505,"sentiment":"neutral","sentiment_score":0.18100217213997474},{"text":"And so if you do get a job and you are working a certain amount of hours on a a fortnightly basis, they give you a separate assessment.","start":553.585,"end":562.465,"sentiment":"neutral","sentiment_score":0.07819323906941074},{"text":"So they reduce the amount of work that or the the money you receive.","start":562.465,"end":566.36,"sentiment":"neutral","sentiment_score":0.005972116121223995}],"sentiment":"neutral","sentiment_score":0.09051833955342309,"num_words":57,"start":549.825,"end":566.36},{"sentences":[{"text":"They assess it slightly differently.","start":566.36,"end":567.9,"sentiment":"neutral","sentiment_score":-0.04142947718501091},{"text":"And if you're not if you work for a few weeks and don't work for a few weeks, then you accumulate that work bonus there.","start":569.08,"end":575.96,"sentiment":"neutral","sentiment_score":0.0047864939272403715},{"text":"So you can do some work.","start":575.96,"end":577.56,"sentiment":"neutral","sentiment_score":0.057787466794252396},{"text":"There are limitations around how much you can earn and how much you can work and things like that.","start":577.56,"end":583.035,"sentiment":"neutral","sentiment_score":-0.08886795392946194},{"text":"But, yeah, she's exactly right.","start":583.035,"end":584.395,"sentiment":"neutral","sentiment_score":0.30594136416912077}],"sentiment":"neutral","sentiment_score":0.0016742576534549394,"num_words":60,"start":566.36,"end":584.395},{"sentences":[{"text":"You absolutely can take on a little bit of work if you want to.","start":584.395,"end":587.755,"sentiment":"positive","sentiment_score":0.34914909516062054},{"text":"Yeah.","start":587.755,"end":588.255,"sentiment":"neutral","sentiment_score":0.1217278242111206},{"text":"Look forward to absolutely.","start":592.395,"end":594.175,"sentiment":"positive","sentiment_score":0.531935065984726},{"text":"Absolutely.","start":594.795,"end":595.295,"sentiment":"positive","sentiment_score":0.4592999815940857},{"text":"So what I'll do after the call, if you like, I'll send you an email.","start":596.63,"end":599.85004,"sentiment":"neutral","sentiment_score":0.18742977678775788}],"sentiment":"neutral","sentiment_score":0.2973800586802619,"num_words":35,"start":584.395,"end":599.85004},{"sentences":[{"text":"If you can send through a copy of the updated statement showing how much you need to draw to cover the cost of the mortgage, just make that free and clear.","start":600.15,"end":609.13,"sentiment":"neutral","sentiment_score":0.17420802698020013},{"text":"And I will also send you the budget planner.","start":610.515,"end":612.995,"sentiment":"neutral","sentiment_score":0.14183223495880762},{"text":"So if you can just confirm for me just go through, fill it out together.","start":612.995,"end":616.755,"sentiment":"neutral","sentiment_score":0.07947074919939041},{"text":"I would suggest that I have a cup of tea, sit down, talk it through, have a bit of a look at what's regularly coming out.","start":616.755,"end":622.295,"sentiment":"neutral","sentiment_score":0.1468977893774326},{"text":"And the good thing about the budget plan that we use is that it doesn't matter if your bills come out weekly, fortnightly, monthly, or quarterly.","start":622.49,"end":628.75,"sentiment":"positive","sentiment_score":0.33780203415797305}],"sentiment":"neutral","sentiment_score":0.19131958505539137,"num_words":107,"start":600.15,"end":628.75},{"sentences":[{"text":"You can work out how much you pay for each of those, and the tab, actually, you can change it.","start":629.29,"end":636.225,"sentiment":"neutral","sentiment_score":0.20568313002586364},{"text":"So one bill might be weekly, one bill might be six monthly, one bill might be yearly.","start":636.225,"end":640.625,"sentiment":"neutral","sentiment_score":0.09112422168254852},{"text":"And you can change the tabs, and it automatically recalculates it for you to either a fortnightly or monthly amount to make it a little bit more consistent for you guys.","start":640.625,"end":650.065,"sentiment":"neutral","sentiment_score":0.13668382984976615},{"text":"Okay?","start":650.065,"end":650.565,"sentiment":"neutral","sentiment_score":0.14894334971904755},{"text":"Beautiful.","start":652.57,"end":653.07,"sentiment":"positive","sentiment_score":0.5286061763763428}],"sentiment":"neutral","sentiment_score":0.15110746600798197,"num_words":70,"start":629.29,"end":653.07},{"sentences":[{"text":"And can I double check your income?","start":653.52997,"end":655.47,"sentiment":"neutral","sentiment_score":0.12405823171138763},{"text":"You mentioned that you are working a little bit at the moment, that you are still bringing home an income.","start":655.52997,"end":659.76996,"sentiment":"neutral","sentiment_score":0.019211270799860358},{"text":"Did you want me to maybe factor that into reduce that from the amount you guys need to live on and how much Neil needs to draw out of super?","start":659.76996,"end":669.365,"sentiment":"neutral","sentiment_score":0.013179389325280984},{"text":"Or did you wanna just keep your income as a secondary a bit of bonus income for, you know, incidentals or fun?","start":669.365,"end":679.14496,"sentiment":"neutral","sentiment_score":0.06142380139367147},{"text":"Yep.","start":684.26996,"end":684.76996,"sentiment":"neutral","sentiment_score":0.03292451798915863}],"sentiment":"neutral","sentiment_score":0.037903285829816016,"num_words":80,"start":653.52997,"end":684.76996},{"sentences":[{"text":"Okay.","start":690.02997,"end":690.52997,"sentiment":"neutral","sentiment_score":0.018771536648273468},{"text":"Yeah.","start":694.615,"end":695.115,"sentiment":"neutral","sentiment_score":0.028335168957710263},{"text":"Yep.","start":704.77496,"end":705.175,"sentiment":"neutral","sentiment_score":0.015592068433761597},{"text":"Yeah.","start":705.175,"end":705.675,"sentiment":"neutral","sentiment_score":0.03713441267609596},{"text":"Yep.","start":706.535,"end":707.035,"sentiment":"neutral","sentiment_score":0.03562966361641884}],"sentiment":"neutral","sentiment_score":0.027092570066452028,"num_words":5,"start":690.02997,"end":707.035},{"sentences":[{"text":"As a bonus yeah.","start":715.25,"end":716.93,"sentiment":"neutral","sentiment_score":0.04913164861500263},{"text":"No.","start":716.93,"end":717.17004,"sentiment":"neutral","sentiment_score":0.03798795118927955},{"text":"That's fantastic.","start":717.17004,"end":717.91003,"sentiment":"neutral","sentiment_score":0.2994622141122818},{"text":"And Neil may have mentioned that you've got a trip coming up in a few months to Europe.","start":717.97003,"end":722.23004,"sentiment":"neutral","sentiment_score":0.07971587404608727},{"text":"No.","start":726.875,"end":727.19495,"sentiment":"neutral","sentiment_score":0.04864262789487839}],"sentiment":"neutral","sentiment_score":0.08911412825378087,"num_words":26,"start":715.25,"end":727.19495},{"sentences":[{"text":"That's fantastic.","start":727.19495,"end":728.095,"sentiment":"positive","sentiment_score":0.3352438509464264},{"text":"As much as it's probably a hardship, I hope you enjoy it as 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good.","start":745.06,"end":745.86005,"sentiment":"positive","sentiment_score":0.5306911766529083},{"text":"Well, what I'll do that's perfectly fine.","start":745.86005,"end":747.7,"sentiment":"positive","sentiment_score":0.46151053053992136}],"sentiment":"positive","sentiment_score":0.5864283608065711,"num_words":27,"start":738.475,"end":747.7},{"sentences":[{"text":"So I can do that.","start":747.7,"end":748.84,"sentiment":"positive","sentiment_score":0.35140697956085204},{"text":"If you were to sort of put your income into maybe just a regular amount, How much would you say you do get on a regular basis?","start":749.46,"end":757.185,"sentiment":"neutral","sentiment_score":0.050220196376796124},{"text":"Just the one sort of updating everything in the back end for you guys as 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I'm just trying to pull up the this isn't working for me.","start":784.08496,"end":790.08496,"sentiment":"neutral","sentiment_score":-0.0524103415126984},{"text":"I'm just trying to have a look at what I had down here for assets and liabilities as well just to sort of see if everything is still on track from where we had it last time, but it's not really working for me today.","start":790.08496,"end":804.06,"sentiment":"neutral","sentiment_score":-0.06882383376359939},{"text":"I love the technology.","start":804.2,"end":805.26,"sentiment":"neutral","sentiment_score":0.21601394936442375},{"text":"What I'll do the Excel spreadsheet is not opening for me, so I just wanna go through and update all of your assets and liabilities there as well.","start":806.12,"end":814.765,"sentiment":"neutral","sentiment_score":-0.004070069291628897},{"text":"Just checking what I've got here.","start":816.185,"end":817.625,"sentiment":"neutral","sentiment_score":-0.004619205787700291}],"sentiment":"neutral","sentiment_score":-0.03183362850480383,"num_words":96,"start":784.08496,"end":817.625},{"sentences":[{"text":"The current value of the house, what would you guys put down for current value of the house?","start":817.625,"end":822.605,"sentiment":"neutral","sentiment_score":-0.022536798897716735},{"text":"Yep.","start":830.64,"end":831.12,"sentiment":"neutral","sentiment_score":0.12943127751350403},{"text":"Perfect.","start":831.12,"end":831.62,"sentiment":"neutral","sentiment_score":0.33275824785232544},{"text":"Beautiful.","start":833.51996,"end":834.01996,"sentiment":"positive","sentiment_score":0.4169428944587707},{"text":"I can always double check some of the research material we have here if you like and just sort of reconfirm the address and what average value some of the research material might place in it for you.","start":834.8,"end":847.355,"sentiment":"neutral","sentiment_score":0.16537123016620936}],"sentiment":"neutral","sentiment_score":0.11453519976240094,"num_words":59,"start":817.625,"end":847.355},{"sentences":[{"text":"Beautiful.","start":850.695,"end":851.195,"sentiment":"neutral","sentiment_score":0.27264508605003357},{"text":"And we're gonna get an updated mortgage statement, which shows the balance.","start":851.33496,"end":855.82,"sentiment":"neutral","sentiment_score":0.14100930032630762},{"text":"So I can just leave that one blank for the moment.","start":855.82,"end":858.07996,"sentiment":"neutral","sentiment_score":0.09540866383097389},{"text":"Other assets that we have down, how many cars do you have?","start":858.94,"end":862.0,"sentiment":"neutral","sentiment_score":0.01148434697339932},{"text":"Beautiful.","start":864.06,"end":864.56,"sentiment":"neutral","sentiment_score":0.16465842723846436}],"sentiment":"neutral","sentiment_score":0.08964115089258633,"num_words":37,"start":850.695,"end":864.56},{"sentences":[{"text":"And what sort of cars are they?","start":864.69995,"end":866.48,"sentiment":"neutral","sentiment_score":0.031749071021165164},{"text":"Yep.","start":871.045,"end":871.545,"sentiment":"neutral","sentiment_score":0.04192870855331421},{"text":"Thousand cent and a Ford.","start":873.44495,"end":875.14496,"sentiment":"neutral","sentiment_score":0.0407562080770731},{"text":"Beautiful.","start":875.20496,"end":875.70496,"sentiment":"neutral","sentiment_score":0.25256943702697754},{"text":"And what sort of value would you put on each of those 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out.","start":928.53503,"end":929.655,"sentiment":"neutral","sentiment_score":0.221040407816569},{"text":"Right?","start":929.655,"end":929.815,"sentiment":"neutral","sentiment_score":0.11322137713432312},{"text":"There's no loans on either of those vehicles?","start":929.815,"end":931.755,"sentiment":"neutral","sentiment_score":0.07107058074325323},{"text":"Nope.","start":933.53,"end":934.03,"sentiment":"neutral","sentiment_score":0.07129880785942078},{"text":"Perfect.","start":934.17004,"end":934.65,"sentiment":"neutral","sentiment_score":0.3082154393196106}],"sentiment":"neutral","sentiment_score":0.14044368924463496,"num_words":17,"start":928.53503,"end":934.65},{"sentences":[{"text":"Excellent.","start":934.65,"end":935.15,"sentiment":"neutral","sentiment_score":0.32101738452911377},{"text":"Any other assets that may you may have there?","start":935.85004,"end":938.49005,"sentiment":"neutral","sentiment_score":0.18102476083570057},{"text":"Any other cars, boats, caravans, anything else of value?","start":938.49005,"end":941.55005,"sentiment":"neutral","sentiment_score":0.08703756994671291},{"text":"Nope.","start":945.38495,"end":945.625,"sentiment":"neutral","sentiment_score":-0.026311159133911133},{"text":"That's okay.","start":945.625,"end":946.58496,"sentiment":"neutral","sentiment_score":0.07646050304174423}],"sentiment":"neutral","sentiment_score":0.13000855493274602,"num_words":22,"start":934.65,"end":946.58496},{"sentences":[{"text":"Perfect.","start":946.58496,"end":947.08496,"sentiment":"neutral","sentiment_score":0.23076286911964417},{"text":"And contents.","start":948.82495,"end":949.485,"sentiment":"neutral","sentiment_score":0.052628446370363235},{"text":"Did you what did you sort of have or noted for settling for content?","start":949.785,"end":953.64496,"sentiment":"neutral","sentiment_score":0.007509651527340923},{"text":"Yeah.","start":962.64,"end":963.14,"sentiment":"neutral","sentiment_score":-0.017135273665189743},{"text":"Yes.","start":988.61,"end":989.11,"sentiment":"neutral","sentiment_score":0.006433230824768543}],"sentiment":"neutral","sentiment_score":0.02265541265277486,"num_words":19,"start":946.58496,"end":989.11},{"sentences":[{"text":"Absolutely.","start":993.97003,"end":994.47003,"sentiment":"neutral","sentiment_score":0.04560818523168564},{"text":"What I'm not sure how you filled out the application for Centrelink, but when I normally help my clients do Centrelink applications, we normally look at making sure everything's on fire sale value.","start":995.49,"end":1006.755,"sentiment":"neutral","sentiment_score":-0.023238944228399883},{"text":"So for Centrelink purposes, we never value contents more than 10,000 for a couple.","start":1006.755,"end":1013.175,"sentiment":"neutral","sentiment_score":-0.03099039290100336},{"text":"However, when you consider your content insurance, obviously, the the value of things is gonna be greatly higher.","start":1013.875,"end":1019.96,"sentiment":"neutral","sentiment_score":-0.08742249384522438},{"text":"But we looked at FireSafe values for Centrelink valuation.","start":1020.42,"end":1023.4,"sentiment":"neutral","sentiment_score":-0.021490743590725794}],"sentiment":"neutral","sentiment_score":-0.03896218741933505,"num_words":75,"start":993.97003,"end":1023.4},{"sentences":[{"text":"Yeah.","start":1026.34,"end":1026.84,"sentiment":"neutral","sentiment_score":0.01168457604944706},{"text":"Yep.","start":1030.995,"end":1031.3949,"sentiment":"neutral","sentiment_score":0.3316819369792938},{"text":"Beautiful.","start":1031.3949,"end":1031.8949,"sentiment":"positive","sentiment_score":0.6023721694946289},{"text":"Do you remember what if you'd put 10,000 or more on the content to send link to the application?","start":1031.955,"end":1037.8949,"sentiment":"neutral","sentiment_score":0.0827596097400314},{"text":"Yeah.","start":1045.16,"end":1045.66,"sentiment":"neutral","sentiment_score":0.004525303840637207}],"sentiment":"neutral","sentiment_score":0.10968245962715667,"num_words":23,"start":1026.34,"end":1045.66},{"sentences":[{"text":"Do you have yeah.","start":1046.2,"end":1048.22,"sentiment":"neutral","sentiment_score":-0.008515078108757734},{"text":"Sorry.","start":1048.28,"end":1048.78,"sentiment":"neutral","sentiment_score":-0.02279074117541313},{"text":"Do you have a breakdown or a copy of the application that was submitted?","start":1051.32,"end":1056.78,"sentiment":"neutral","sentiment_score":0.00802710818658982},{"text":"Yeah.","start":1059.845,"end":1060.345,"sentiment":"neutral","sentiment_score":0.07591663300991058},{"text":"If I was to as part of the email, if you could email me a copy of that, I can have a look at everything that's being submitted for you, and then I can kind of do the math, and that'll help with the advice and work out what the estimated Centrelink entitlement might look like for you guys.","start":1060.725,"end":1077.26,"sentiment":"neutral","sentiment_score":0.11453125007071738}],"sentiment":"neutral","sentiment_score":0.08719985883777277,"num_words":79,"start":1046.2,"end":1077.26},{"sentences":[{"text":"Yep.","start":1084.165,"end":1084.665,"sentiment":"neutral","sentiment_score":0.117333322763443},{"text":"Perfect.","start":1090.5651,"end":1091.0651,"sentiment":"positive","sentiment_score":0.43929022550582886},{"text":"So settling entitlement might look like.","start":1091.2051,"end":1093.365,"sentiment":"neutral","sentiment_score":0.20456738770008087},{"text":"Beautiful.","start":1093.365,"end":1093.765,"sentiment":"positive","sentiment_score":0.4816448986530304},{"text":"Yes.","start":1093.765,"end":1094.005,"sentiment":"neutral","sentiment_score":0.24260751903057096}],"sentiment":"neutral","sentiment_score":0.25082802921533587,"num_words":10,"start":1084.165,"end":1094.005},{"sentences":[{"text":"So I can run through and have a look at all the assets that you've noted, what the values are, work out the estimated entitlement for you.","start":1094.005,"end":1101.46,"sentiment":"neutral","sentiment_score":0.20303073856565687},{"text":"When Camilla, when it came to your income, did it ask for the average income you were earning on a regular basis, or did it what did it sort of ask you in relation to that?","start":1102.48,"end":1113.86,"sentiment":"neutral","sentiment_score":0.022628000678701535},{"text":"Okay.","start":1125.285,"end":1125.785,"sentiment":"neutral","sentiment_score":0.01120980642735958},{"text":"Yeah.","start":1139.47,"end":1139.87,"sentiment":"neutral","sentiment_score":0.03992053493857384},{"text":"Yeah.","start":1139.87,"end":1140.37,"sentiment":"neutral","sentiment_score":0.04763982817530632}],"sentiment":"neutral","sentiment_score":0.09689709295829137,"num_words":66,"start":1094.005,"end":1140.37},{"sentences":[{"text":"Yeah.","start":1140.51,"end":1141.01,"sentiment":"neutral","sentiment_score":0.05941000208258629},{"text":"No.","start":1141.7051,"end":1141.9451,"sentiment":"neutral","sentiment_score":0.07757098972797394},{"text":"That's okay.","start":1141.9451,"end":1142.685,"sentiment":"neutral","sentiment_score":0.138040229678154},{"text":"Not a problem at all.","start":1143.2251,"end":1144.185,"sentiment":"neutral","sentiment_score":0.2790521740913391},{"text":"What I'll get you to know if it's okay is I'll send you an email shortly there, Neil, just if you can grab me the statement.","start":1144.185,"end":1150.265,"sentiment":"neutral","sentiment_score":0.2247725845529483}],"sentiment":"neutral","sentiment_score":0.21864027200000627,"num_words":35,"start":1140.51,"end":1150.265},{"sentences":[{"text":"I'll send you, like, the budget plan to fill out, and please let me know if you have any trouble filling that out because I'm more than happy to, you know, talk you through it.","start":1150.265,"end":1157.22,"sentiment":"positive","sentiment_score":0.3413006695253508},{"text":"And if you can send me just a copy of the the details on the Centrelink application, then I can kinda go forward, and I could do a review of your super.","start":1158.1,"end":1166.26,"sentiment":"neutral","sentiment_score":0.27028786041773856},{"text":"I can look at what you guys might be eligible for Centrelink wise.","start":1166.26,"end":1169.78,"sentiment":"neutral","sentiment_score":0.22207094270449418},{"text":"We can have a look at how to draw down the money so you can start living a little bit more and and getting that regular income draw down from Super as well.","start":1169.78,"end":1178.475,"sentiment":"positive","sentiment_score":0.39532000187671545},{"text":"And I'll look at that full draw the the one off draw down as well for covering the mortgage.","start":1178.615,"end":1185.115,"sentiment":"positive","sentiment_score":0.36165105355413335}],"sentiment":"neutral","sentiment_score":0.32877717652555666,"num_words":132,"start":1150.265,"end":1185.115},{"sentences":[{"text":"So that's free and clear and one less debt to worry about.","start":1185.175,"end":1188.235,"sentiment":"positive","sentiment_score":0.5304719458023707},{"text":"Is there anything else goal wise in the medium term that might be important to to both of you that you might wanna access funds for in the short term?","start":1188.57,"end":1197.39,"sentiment":"neutral","sentiment_score":0.15843965436021487},{"text":"That's That's okay.","start":1203.7151,"end":1223.76,"sentiment":"neutral","sentiment_score":0.05874825517336527},{"text":"That's alright.","start":1223.82,"end":1224.5599,"sentiment":"neutral","sentiment_score":0.16390551626682281},{"text":"Yeah.","start":1234.7949,"end":1235.275,"sentiment":"neutral","sentiment_score":0.027049124240875244}],"sentiment":"neutral","sentiment_score":0.24270745630686483,"num_words":48,"start":1185.175,"end":1235.275},{"sentences":[{"text":"Was it done through your myGov account at all?","start":1235.275,"end":1237.9349,"sentiment":"neutral","sentiment_score":0.024843067344692018},{"text":"Yep.","start":1243.67,"end":1244.15,"sentiment":"neutral","sentiment_score":0.28780806064605713},{"text":"Perfect.","start":1244.15,"end":1244.63,"sentiment":"positive","sentiment_score":0.48540812730789185},{"text":"So if you guys log in to your MyGov account and go into the Centrelink section and go into current claims, in the email if you like, I will add the instructions on how to go in there.","start":1244.63,"end":1256.085,"sentiment":"neutral","sentiment_score":0.2180774402069418},{"text":"You can actually go in and save the application down, and you can sort of see all the all the questions that you answered.","start":1256.1649,"end":1263.7849,"sentiment":"neutral","sentiment_score":0.2167467890928189}],"sentiment":"neutral","sentiment_score":0.19843382822120026,"num_words":73,"start":1235.275,"end":1263.7849},{"sentences":[{"text":"Do you want me to add the the instructions and know how to access that to save it down to maybe send that to me as well?","start":1264.1649,"end":1270.1649,"sentiment":"neutral","sentiment_score":0.09694607500676755},{"text":"Would that be okay?","start":1270.1649,"end":1271.145,"sentiment":"neutral","sentiment_score":0.07508562505245209},{"text":"Yep.","start":1272.7001,"end":1273.1001,"sentiment":"neutral","sentiment_score":0.19495391845703125},{"text":"Beautiful.","start":1273.1001,"end":1273.6001,"sentiment":"positive","sentiment_score":0.4481077790260315},{"text":"If you get stuck with any of this, please let me know.","start":1273.66,"end":1276.7201,"sentiment":"neutral","sentiment_score":0.043093390141924225}],"sentiment":"neutral","sentiment_score":0.0906237534350819,"num_words":45,"start":1264.1649,"end":1276.7201},{"sentences":[{"text":"Neil, you know you can call me at any time, and I'll always take the call or call you straight back.","start":1277.26,"end":1282.3201,"sentiment":"neutral","sentiment_score":0.14238882845356352},{"text":"If you get stuck, have any questions, need any help finding anything, let me know.","start":1283.1001,"end":1287.675,"sentiment":"neutral","sentiment_score":0.10380930105845133},{"text":"Okay?","start":1289.995,"end":1290.155,"sentiment":"neutral","sentiment_score":0.14138826727867126},{"text":"Beautiful.","start":1290.155,"end":1290.655,"sentiment":"positive","sentiment_score":0.5685843825340271},{"text":"Excellent.","start":1291.1951,"end":1291.6951,"sentiment":"positive","sentiment_score":0.5800223350524902}],"sentiment":"neutral","sentiment_score":0.1496743563658152,"num_words":39,"start":1277.26,"end":1291.6951},{"sentences":[{"text":"Alright.","start":1292.555,"end":1293.055,"sentiment":"neutral","sentiment_score":0.27773794531822205},{"text":"We'll have a look at that.","start":1293.3551,"end":1294.2351,"sentiment":"neutral","sentiment_score":0.24381128450234732},{"text":"I'll go through the assets.","start":1294.2351,"end":1295.4551,"sentiment":"neutral","sentiment_score":0.13459596559405326},{"text":"So one for the basic advice, and then please tell me if I'm missing anything, is I'm looking at your super.","start":1295.515,"end":1300.7351,"sentiment":"neutral","sentiment_score":0.04245242529681751},{"text":"What I'd like to probably also do, Neil, is I'm just sort of having a look at your investments inside super.","start":1300.88,"end":1306.9801,"sentiment":"neutral","sentiment_score":0.08878503047994205}],"sentiment":"neutral","sentiment_score":0.09573281577063932,"num_words":54,"start":1292.555,"end":1306.9801},{"sentences":[{"text":"I just also wanna maybe have a bit of a look at those and maybe redig them a little bit for you as well.","start":1307.3601,"end":1312.5,"sentiment":"neutral","sentiment_score":0.148773777919511},{"text":"I am sort of noticing that there is one investment in your super that has it's whilst it's still performing really well, has underperformed a little bit.","start":1312.7201,"end":1320.565,"sentiment":"neutral","sentiment_score":-0.20150410853050374},{"text":"So I would like to maybe look at maneuvering that out and getting rid of it and replace it with something that's performing a bit better.","start":1320.565,"end":1326.6649,"sentiment":"neutral","sentiment_score":-0.01698373516018574},{"text":"It might also be a bit cheaper for you in investment fees.","start":1326.725,"end":1329.6849,"sentiment":"neutral","sentiment_score":0.32575601277252036},{"text":"Would that be okay?","start":1329.6849,"end":1330.745,"sentiment":"neutral","sentiment_score":0.1369499284774065}],"sentiment":"neutral","sentiment_score":0.023067252610319403,"num_words":93,"start":1307.3601,"end":1330.745},{"sentences":[{"text":"Yep.","start":1332.4401,"end":1332.9401,"sentiment":"neutral","sentiment_score":0.022312790155410767},{"text":"It is Bennelong.","start":1334.84,"end":1335.66,"sentiment":"neutral","sentiment_score":0.022042068963249523},{"text":"Yes.","start":1335.96,"end":1336.46,"sentiment":"neutral","sentiment_score":0.05601179972290993},{"text":"Yeah.","start":1339.08,"end":1339.56,"sentiment":"neutral","sentiment_score":0.006334180012345314},{"text":"So would love to get rid of that one there.","start":1339.56,"end":1341.56,"sentiment":"neutral","sentiment_score":-0.14115187376737595}],"sentiment":"neutral","sentiment_score":-0.07879586005583405,"num_words":16,"start":1332.4401,"end":1341.56},{"sentences":[{"text":"Has it is underperforming a little bit as an investment, so I would like to remove it out of there.","start":1341.56,"end":1346.925,"sentiment":"negative","sentiment_score":-0.4116543039679527},{"text":"To give you a little bit of an idea, Banner Long is a managed fund, and they were more of an actively managed fund.","start":1347.405,"end":1353.405,"sentiment":"neutral","sentiment_score":-0.03199321574841937},{"text":"So the investment manager there is trying to outperform against the market.","start":1353.405,"end":1357.025,"sentiment":"neutral","sentiment_score":0.08641308483978112},{"text":"And whilst we have seen these ups and downs with what's happening globally at the moment, the investment manager hasn't been able to do that.","start":1357.3251,"end":1364.54,"sentiment":"neutral","sentiment_score":-0.19932168900966643},{"text":"They've had some underlying issues.","start":1364.54,"end":1366.3201,"sentiment":"neutral","sentiment_score":-0.21407144665718078}],"sentiment":"neutral","sentiment_score":-0.16299262439268966,"num_words":86,"start":1341.56,"end":1366.3201},{"sentences":[{"text":"So we've gone back and had a little bit of a look.","start":1366.38,"end":1369.3401,"sentiment":"neutral","sentiment_score":0.00933435062567393},{"text":"There's actually some other investments which create better diversification, can help to lower the risk of your portfolio, but are also cheaper and have performed a bit better than banner longs.","start":1369.3401,"end":1379.955,"sentiment":"neutral","sentiment_score":0.22214093011233113},{"text":"If you're comfortable with me making those changes for you, I'd love to swap that out, put something else in there that's making sure your portfolio is working better for you, maybe rebalance things a little bit for you as well just to make sure you're not taking on too much risk, and then also look at moving you into that pension phase, look at that one off drawdown, look at the regular income drawdowns for you, and, you know, see what we can do to help long term there.","start":1379.955,"end":1405.6649,"sentiment":"neutral","sentiment_score":0.2878384545445442},{"text":"Is that okay?","start":1405.6649,"end":1406.565,"sentiment":"neutral","sentiment_score":0.09221919625997543},{"text":"You that's okay.","start":1409.265,"end":1410.625,"sentiment":"positive","sentiment_score":0.5294491251309713}],"sentiment":"neutral","sentiment_score":0.25013558931059116,"num_words":139,"start":1366.38,"end":1410.625},{"sentences":[{"text":"It's not a problem.","start":1410.625,"end":1411.505,"sentiment":"positive","sentiment_score":0.530084028840065},{"text":"It's what I'm here for.","start":1411.505,"end":1412.8049,"sentiment":"positive","sentiment_score":0.44596248865127563},{"text":"Once I've got an idea of what your income looks like, I'll look at drawing down the income, then I'll also assess, you know, when you're able to start drawing that Centrelink, whether we can reduce the amount a little bit down or whether we don't.","start":1413.265,"end":1425.56,"sentiment":"neutral","sentiment_score":0.15620086123437985},{"text":"And I'll show you with the advice the same as last time.","start":1426.18,"end":1429.2201,"sentiment":"neutral","sentiment_score":0.21457738553484282},{"text":"I'll outline it in an advice document, so we'll go through it together page by page.","start":1429.2201,"end":1433.6449,"sentiment":"neutral","sentiment_score":0.22773140110075474}],"sentiment":"neutral","sentiment_score":0.21390384601720844,"num_words":83,"start":1410.625,"end":1433.6449},{"sentences":[{"text":"You can have a look at the recommendations.","start":1433.6449,"end":1435.1849,"sentiment":"neutral","sentiment_score":0.23643598519265652},{"text":"I'll run you through what I'm recommending, how and why, the advantages, disadvantages, the risks involved, and then you get to take it back, have a bit of a read over it.","start":1436.0449,"end":1444.445,"sentiment":"neutral","sentiment_score":0.2324794416781515},{"text":"Let me know if you have any questions and decide what you're comfortable taking on board.","start":1444.445,"end":1448.445,"sentiment":"neutral","sentiment_score":0.2541537471115589},{"text":"How does that sound?","start":1448.445,"end":1450.5701,"sentiment":"neutral","sentiment_score":0.23992258310317993},{"text":"Yes.","start":1451.27,"end":1451.77,"sentiment":"neutral","sentiment_score":0.3150783181190491}],"sentiment":"neutral","sentiment_score":0.24052555114030838,"num_words":61,"start":1433.6449,"end":1451.77},{"sentences":[{"text":"Beautiful.","start":1451.8301,"end":1452.3301,"sentiment":"positive","sentiment_score":0.5575780868530273},{"text":"Am I missing anything with regards to the advice structure?","start":1452.87,"end":1456.47,"sentiment":"neutral","sentiment_score":0.027660867013037205},{"text":"Is there anything else that you guys wanted me to include or add in there?","start":1456.47,"end":1459.93,"sentiment":"neutral","sentiment_score":0.03025226468841235},{"text":"No.","start":1463.145,"end":1463.4651,"sentiment":"neutral","sentiment_score":-0.10910841077566148},{"text":"That's okay.","start":1463.4651,"end":1464.265,"sentiment":"neutral","sentiment_score":0.047026870772242546}],"sentiment":"neutral","sentiment_score":0.04389365717511753,"num_words":29,"start":1451.8301,"end":1464.265},{"sentences":[{"text":"If anything comes up, you're welcome to let me know.","start":1464.265,"end":1467.005,"sentiment":"neutral","sentiment_score":0.17649482041597367},{"text":"The other thing I just wanted to sort of touch base on, Neil, is your risk profile as well.","start":1467.4651,"end":1472.285,"sentiment":"neutral","sentiment_score":0.017086782345646305},{"text":"We did look at that last year.","start":1472.665,"end":1474.665,"sentiment":"neutral","sentiment_score":0.10587936799441065},{"text":"So with your profile, you're not in a high risk category at the moment, which is really good.","start":1474.665,"end":1480.36,"sentiment":"neutral","sentiment_score":0.14438308775424957},{"text":"That's what we wanna see.","start":1480.36,"end":1481.9,"sentiment":"neutral","sentiment_score":0.2323628693819046}],"sentiment":"neutral","sentiment_score":0.11171970459616791,"num_words":59,"start":1464.265,"end":1481.9},{"sentences":[{"text":"Investment wise, you're in a balanced growth environment.","start":1483.0,"end":1488.7799,"sentiment":"neutral","sentiment_score":0.20075631514191628},{"text":"So that's where you generally see about 70% of your super invested in growth assets.","start":1489.24,"end":1494.885,"sentiment":"neutral","sentiment_score":0.18931992252667745},{"text":"So I think things like Australian shares, international shares, listed property, and also commodities, like gold and silver, and then the other 30% in defensive investments, so things like cash, bonds, fixed interest, lower risk investments, more cash producing.","start":1494.885,"end":1511.4901,"sentiment":"neutral","sentiment_score":0.154449106217959},{"text":"It might even be worthwhile reducing that down a bit more by another 10% to more of the balanced environment, just lowering your risk level a little bit there.","start":1512.51,"end":1522.995,"sentiment":"neutral","sentiment_score":0.1722446398745323},{"text":"Did you want me to look at the risk profile with you as well and maybe readjust that so you're taking a bit less risk in the market whilst we are going into that pension phase?","start":1524.5751,"end":1533.635,"sentiment":"neutral","sentiment_score":0.0044892810595532255}],"sentiment":"neutral","sentiment_score":0.12303994626804131,"num_words":127,"start":1483.0,"end":1533.635},{"sentences":[{"text":"Yep.","start":1535.99,"end":1536.31,"sentiment":"positive","sentiment_score":0.35032209753990173},{"text":"Absolutely.","start":1536.31,"end":1536.81,"sentiment":"positive","sentiment_score":0.5362836122512817},{"text":"What I'll do now, I've got a little questionnaire.","start":1537.11,"end":1539.29,"sentiment":"neutral","sentiment_score":0.2691279699405034},{"text":"It's the same one that you've done the last couple of years.","start":1539.75,"end":1542.39,"sentiment":"neutral","sentiment_score":0.1918062667051951},{"text":"I'll just run through that with you here just to sort of gauge where you're scoring, and we can work out how far we need to adjust that for you.","start":1542.39,"end":1552.5651,"sentiment":"neutral","sentiment_score":0.26246948540210724}],"sentiment":"neutral","sentiment_score":0.2544248528637976,"num_words":53,"start":1535.99,"end":1552.5651},{"sentences":[{"text":"All good.","start":1553.425,"end":1554.165,"sentiment":"positive","sentiment_score":0.5379927158355713},{"text":"So the first one here is have you ever invested in any direct shares or managed funds in your own name before?","start":1554.4651,"end":1561.8201,"sentiment":"neutral","sentiment_score":0.08013096316294237},{"text":"Have you ever owned investments before?","start":1561.8201,"end":1563.92,"sentiment":"neutral","sentiment_score":0.019111662947883207},{"text":"Yep.","start":1568.78,"end":1569.18,"sentiment":"neutral","sentiment_score":0.05478466674685478},{"text":"Yep.","start":1569.18,"end":1569.5,"sentiment":"neutral","sentiment_score":0.10594692826271056}],"sentiment":"neutral","sentiment_score":0.0973208810610231,"num_words":32,"start":1553.425,"end":1569.5},{"sentences":[{"text":"That's okay.","start":1569.5,"end":1570.2401,"sentiment":"neutral","sentiment_score":0.1777278482913971},{"text":"Not a problem.","start":1570.3,"end":1571.1201,"sentiment":"neutral","sentiment_score":0.13130071759223938},{"text":"The next one here's sorry.","start":1571.7401,"end":1573.18,"sentiment":"neutral","sentiment_score":-0.07016516178846359},{"text":"You're right.","start":1573.18,"end":1573.5801,"sentiment":"neutral","sentiment_score":-0.06827206909656525},{"text":"I apologize.","start":1573.5801,"end":1574.16,"sentiment":"neutral","sentiment_score":-0.11809638887643814}],"sentiment":"neutral","sentiment_score":0.0018425088907991136,"num_words":14,"start":1569.5,"end":1574.16},{"sentences":[{"text":"Okay.","start":1582.165,"end":1582.665,"sentiment":"neutral","sentiment_score":-0.012338100001215936},{"text":"Wow.","start":1591.15,"end":1591.65,"sentiment":"neutral","sentiment_score":-0.04851580038666725},{"text":"Okay.","start":1608.915,"end":1609.235,"sentiment":"neutral","sentiment_score":0.005173312500119209},{"text":"Interesting.","start":1609.235,"end":1609.735,"sentiment":"neutral","sentiment_score":-0.004798918962478638},{"text":"Yeah.","start":1612.8351,"end":1613.3351,"sentiment":"neutral","sentiment_score":-0.04648575931787491}],"sentiment":"neutral","sentiment_score":-0.021393053233623505,"num_words":5,"start":1582.165,"end":1613.3351},{"sentences":[{"text":"Okay.","start":1626.33,"end":1626.83,"sentiment":"neutral","sentiment_score":0.010243602097034454},{"text":"Interesting.","start":1626.89,"end":1627.39,"sentiment":"neutral","sentiment_score":0.013280300423502922},{"text":"Yeah.","start":1630.5701,"end":1631.0701,"sentiment":"neutral","sentiment_score":-0.04687368869781494},{"text":"Yeah.","start":1631.37,"end":1631.87,"sentiment":"neutral","sentiment_score":-0.0495404377579689},{"text":"Yeah.","start":1641.7451,"end":1642.2451,"sentiment":"neutral","sentiment_score":-0.045166075229644775}],"sentiment":"neutral","sentiment_score":-0.023611259832978248,"num_words":5,"start":1626.33,"end":1642.2451},{"sentences":[{"text":"Yeah.","start":1642.385,"end":1642.885,"sentiment":"neutral","sentiment_score":-0.05944342911243439},{"text":"Yep.","start":1667.885,"end":1668.385,"sentiment":"neutral","sentiment_score":0.1687331199645996},{"text":"Yeah.","start":1668.525,"end":1668.925,"sentiment":"positive","sentiment_score":0.400594174861908},{"text":"That'd be fabulous.","start":1668.925,"end":1669.985,"sentiment":"positive","sentiment_score":0.769635021686554},{"text":"If you can just find a statement or just the number of how many shares you have and when you purchased them, that'd be that'd be great.","start":1670.045,"end":1677.9299,"sentiment":"positive","sentiment_score":0.4258852888036657}],"sentiment":"positive","sentiment_score":0.43386944631735486,"num_words":33,"start":1642.385,"end":1677.9299},{"sentences":[{"text":"Just to kind of include wow.","start":1678.87,"end":1684.25,"sentiment":"neutral","sentiment_score":0.0425879176085194},{"text":"Look.","start":1689.325,"end":1689.6449,"sentiment":"neutral","sentiment_score":0.0278211310505867},{"text":"I'll be honest with you.","start":1689.6449,"end":1690.845,"sentiment":"neutral","sentiment_score":0.0002004537731409073},{"text":"I'm not as young as you think.","start":1690.845,"end":1692.5249,"sentiment":"neutral","sentiment_score":-0.10339440511805671},{"text":"I was born in '84, so I am 42 this year.","start":1692.5249,"end":1696.1449,"sentiment":"neutral","sentiment_score":-0.04254719919779084}],"sentiment":"neutral","sentiment_score":-0.030247637381156284,"num_words":30,"start":1678.87,"end":1696.1449},{"sentences":[{"text":"Oh, thank you.","start":1699.1649,"end":1700.1449,"sentiment":"neutral","sentiment_score":0.23857511579990387},{"text":"No.","start":1703.25,"end":1703.4099,"sentiment":"neutral","sentiment_score":0.07639394700527191},{"text":"It's all good.","start":1703.4099,"end":1704.21,"sentiment":"neutral","sentiment_score":0.12512104213237762},{"text":"Yeah.","start":1704.21,"end":1704.37,"sentiment":"neutral","sentiment_score":0.26718592643737793},{"text":"If you can find out any information, that would be fabulous.","start":1704.37,"end":1707.0099,"sentiment":"positive","sentiment_score":0.4312198758125305}],"sentiment":"neutral","sentiment_score":0.3251624726935437,"num_words":19,"start":1699.1649,"end":1707.0099},{"sentences":[{"text":"Just to kinda have in the background, and we could also look at, you know, whether you keep them, whether you sell them, what that looks like tax wise for you guys just to sort of, you know, see what's what's possible for you.","start":1707.0099,"end":1717.7051,"sentiment":"neutral","sentiment_score":0.07630653205243024},{"text":"Oh, you never know.","start":1722.2451,"end":1723.7051,"sentiment":"neutral","sentiment_score":-0.03185499971732497},{"text":"All good.","start":1729.6799,"end":1730.5,"sentiment":"neutral","sentiment_score":0.2331613525748253},{"text":"Now the next question here is asking about the time horizon.","start":1731.36,"end":1734.32,"sentiment":"neutral","sentiment_score":0.0005030717531388459},{"text":"So when you're wanting to access your capital, admittedly, you are wanting to start drawing an income as soon as possible because you need to, you know, pay your bills and whatnot.","start":1734.32,"end":1743.0149,"sentiment":"neutral","sentiment_score":-0.0015360982506535945}],"sentiment":"neutral","sentiment_score":0.039277083460762294,"num_words":93,"start":1707.0099,"end":1743.0149},{"sentences":[{"text":"So I'm putting in less than two years, which is the the lowest option I've got.","start":1743.0149,"end":1748.2949,"sentiment":"neutral","sentiment_score":-0.04505724518094212},{"text":"Okay?","start":1748.2949,"end":1748.7949,"sentiment":"neutral","sentiment_score":0.014808998443186285},{"text":"The next one here is asking about how you feel about risk.","start":1750.375,"end":1753.835,"sentiment":"neutral","sentiment_score":-0.0283546457067132},{"text":"So how do you feel essentially, when you think about your super and how much you have in super there, how do you feel about taking on more risk to get greater potential returns?","start":1753.8949,"end":1763.6799,"sentiment":"neutral","sentiment_score":-0.003367242932333337},{"text":"If you sort of thought about risk as a number between one and five, five being taking heaps of risk, a 100% in shares in the market, and one being no risk at all.","start":1763.6799,"end":1773.895,"sentiment":"neutral","sentiment_score":-0.0015996627728728687}],"sentiment":"neutral","sentiment_score":-0.012528221308344918,"num_words":97,"start":1743.0149,"end":1773.895},{"sentences":[{"text":"Where do you think you might sit in that category?","start":1773.955,"end":1776.295,"sentiment":"neutral","sentiment_score":-0.02045088168233633},{"text":"Tough one.","start":1780.275,"end":1781.095,"sentiment":"neutral","sentiment_score":-0.1324821189045906},{"text":"Tough one.","start":1783.5,"end":1784.32,"sentiment":"neutral","sentiment_score":-0.16328594088554382},{"text":"Yep.","start":1788.38,"end":1788.88,"sentiment":"neutral","sentiment_score":-0.0397069975733757},{"text":"Mhmm.","start":1794.545,"end":1795.045,"sentiment":"neutral","sentiment_score":-0.02028062753379345}],"sentiment":"neutral","sentiment_score":-0.05350203509442508,"num_words":16,"start":1773.955,"end":1795.045},{"sentences":[{"text":"Yep.","start":1798.545,"end":1799.045,"sentiment":"neutral","sentiment_score":0.03145882859826088},{"text":"At $2.00 3?","start":1800.785,"end":1801.745,"sentiment":"neutral","sentiment_score":0.02089180052280426},{"text":"Yeah.","start":1801.745,"end":1802.145,"sentiment":"neutral","sentiment_score":0.1475280523300171},{"text":"Perfect.","start":1802.145,"end":1802.645,"sentiment":"positive","sentiment_score":0.548777163028717},{"text":"Excellent.","start":1802.945,"end":1803.445,"sentiment":"positive","sentiment_score":0.6063575744628906}],"sentiment":"neutral","sentiment_score":0.19954243142689979,"num_words":7,"start":1798.545,"end":1803.445},{"sentences":[{"text":"There we go.","start":1803.985,"end":1804.965,"sentiment":"positive","sentiment_score":0.4336179494857788},{"text":"I'll pop I'll pop you in with a two just because I feel like with that, you know, moving into that kind of retirement phase and looking to draw money out as super, being a bit more conservative is never a bad thing.","start":1805.905,"end":1819.4,"sentiment":"neutral","sentiment_score":0.33296752218590225},{"text":"Okay.","start":1819.46,"end":1819.96,"sentiment":"neutral","sentiment_score":0.23951703310012817},{"text":"Excellent.","start":1821.305,"end":1821.805,"sentiment":"positive","sentiment_score":0.6574670076370239},{"text":"And the next one here says, how would you feel if you saw your Super four by 20% over the next six months due to what was happening externally in the market?","start":1822.345,"end":1832.105,"sentiment":"neutral","sentiment_score":0.1801418624818325}],"sentiment":"neutral","sentiment_score":0.27849976178258656,"num_words":80,"start":1803.985,"end":1832.105},{"sentences":[{"text":"Do you think you'd be wanting to put more money into the investment?","start":1832.105,"end":1834.825,"sentiment":"neutral","sentiment_score":0.03978958114636883},{"text":"It could be a buying opportunity.","start":1834.825,"end":1836.285,"sentiment":"neutral","sentiment_score":0.19607904801766077},{"text":"Are you a bit concerned calling me and having a chat about what's going on globally in the markets, or are you feeling like cementing the losses and taking the money out because you're very concerned?","start":1836.88,"end":1846.9,"sentiment":"neutral","sentiment_score":-0.17745239018566078},{"text":"Yep.","start":1850.4651,"end":1850.9651,"sentiment":"neutral","sentiment_score":0.06313572824001312},{"text":"Perfect.","start":1851.665,"end":1852.165,"sentiment":"neutral","sentiment_score":0.215828076004982}],"sentiment":"neutral","sentiment_score":-0.07746637542859708,"num_words":57,"start":1832.105,"end":1852.165},{"sentences":[{"text":"The next one sorry.","start":1853.665,"end":1855.025,"sentiment":"neutral","sentiment_score":-0.09292755834758282},{"text":"You're up.","start":1855.025,"end":1855.765,"sentiment":"neutral","sentiment_score":-0.0576265063136816},{"text":"Yeah.","start":1859.3451,"end":1859.8451,"sentiment":"neutral","sentiment_score":-0.009966358542442322},{"text":"Yep.","start":1865.2301,"end":1865.7301,"sentiment":"neutral","sentiment_score":0.09520867466926576},{"text":"Absolutely.","start":1865.87,"end":1866.37,"sentiment":"neutral","sentiment_score":0.2766996920108795}],"sentiment":"neutral","sentiment_score":-0.013891248653332392,"num_words":9,"start":1853.665,"end":1866.37},{"sentences":[{"text":"Perfect.","start":1867.15,"end":1867.65,"sentiment":"positive","sentiment_score":0.3565962016582489},{"text":"The next one here is what sort of reasonable rate of return are you trying to achieve from your portfolio over the longer term?","start":1868.5901,"end":1875.63,"sentiment":"neutral","sentiment_score":0.11509875891109307},{"text":"So the reason we kind of ask this question quite regularly is because everyone wants the best return they can get from their super and from their investments.","start":1875.63,"end":1883.765,"sentiment":"neutral","sentiment_score":0.054350246276174276},{"text":"But in order to get the higher levels of return, you do need to be willing to take on a higher level of risk to achieve so.","start":1883.765,"end":1890.265,"sentiment":"neutral","sentiment_score":-0.03237900800175137},{"text":"So are you more comfortable maybe looking at a two, a four, a six, or an 8% return by taking a bit less risk in the market with your super, or are you still wanting to, you know, be comfortable trying to get the best returns you possibly can and take on a bit more risk?","start":1890.4099,"end":1906.035,"sentiment":"neutral","sentiment_score":0.08927588896559817}],"sentiment":"neutral","sentiment_score":0.06445580792120274,"num_words":136,"start":1867.15,"end":1906.035},{"sentences":[{"text":"How do you think you're feeling?","start":1906.115,"end":1907.5751,"sentiment":"neutral","sentiment_score":-0.03340396968026956},{"text":"Yep.","start":1917.155,"end":1917.635,"sentiment":"neutral","sentiment_score":-0.04039819538593292},{"text":"It is.","start":1917.635,"end":1918.275,"sentiment":"neutral","sentiment_score":-0.08863047510385513},{"text":"Yeah.","start":1918.275,"end":1918.775,"sentiment":"neutral","sentiment_score":-0.11678316444158554},{"text":"Mhmm.","start":1936.675,"end":1937.175,"sentiment":"neutral","sentiment_score":-0.038735829293727875}],"sentiment":"neutral","sentiment_score":-0.05214563249187036,"num_words":11,"start":1906.115,"end":1937.175},{"sentences":[{"text":"Yep.","start":1941.075,"end":1941.575,"sentiment":"neutral","sentiment_score":0.07659512013196945},{"text":"Yep.","start":1941.955,"end":1942.4349,"sentiment":"neutral","sentiment_score":0.1359647810459137},{"text":"Definitely.","start":1942.4349,"end":1942.9349,"sentiment":"neutral","sentiment_score":0.3141438364982605},{"text":"And that's the other thing we do need to think about is as much as retiring now means that you you're accessing your super now, you've got another, you know, twenty or thirty or forty years in retirement.","start":1942.995,"end":1954.0,"sentiment":"neutral","sentiment_score":0.02933565099221213},{"text":"So you still have a long time to make it last.","start":1954.0599,"end":1956.72,"sentiment":"neutral","sentiment_score":-0.04148349030451341}],"sentiment":"neutral","sentiment_score":0.02279115542366456,"num_words":52,"start":1941.075,"end":1956.72},{"sentences":[{"text":"You could definitely kinda go in between.","start":1957.58,"end":1959.6599,"sentiment":"neutral","sentiment_score":0.11359487048217229},{"text":"I mean, for taking on a lower amount of risk, it's still okay to be looking for, say, four to 6% of a return on a regular basis and trying to aim for that.","start":1959.6599,"end":1968.795,"sentiment":"neutral","sentiment_score":0.19203415710259886},{"text":"And that's kind of middle of the range when we're looking at average returns.","start":1968.8551,"end":1972.3151,"sentiment":"neutral","sentiment_score":0.17642131501010486},{"text":"I mean, some lower risk portfolios get really great returns, have, you know, 20% returns some years.","start":1972.375,"end":1979.675,"sentiment":"neutral","sentiment_score":0.27511410678134246},{"text":"Some years are a little bit lower.","start":1979.89,"end":1981.59,"sentiment":"neutral","sentiment_score":0.08670333932553019}],"sentiment":"neutral","sentiment_score":0.1908618612097034,"num_words":79,"start":1957.58,"end":1981.59},{"sentences":[{"text":"But it's more just what we're kinda aiming for in this kind of environment.","start":1982.29,"end":1985.91,"sentiment":"neutral","sentiment_score":0.20337400904723577},{"text":"So would you say four to 6% on a yearly basis would be fairly comfortable for you?","start":1986.21,"end":1991.03,"sentiment":"neutral","sentiment_score":0.14514862439211676},{"text":"Yep.","start":1992.4249,"end":1992.9249,"sentiment":"neutral","sentiment_score":0.19110268354415896},{"text":"Beautiful.","start":1993.3049,"end":1993.8049,"sentiment":"positive","sentiment_score":0.6103986501693726},{"text":"Excellent.","start":1994.025,"end":1994.525,"sentiment":"positive","sentiment_score":0.6161774396896362}],"sentiment":"neutral","sentiment_score":0.19801298572736628,"num_words":34,"start":1982.29,"end":1994.525},{"sentences":[{"text":"The next one here is, again, looking at how you'd feel if your super did take a bit of a dip.","start":1995.865,"end":2000.985,"sentiment":"neutral","sentiment_score":-0.013122854399539176},{"text":"I kinda feel by talking to you both that you would be a bit concerned about super taking a large dip and having the value drop considerably.","start":2000.985,"end":2008.83,"sentiment":"neutral","sentiment_score":-0.22296187088445382},{"text":"Am I on the right track with that?","start":2008.97,"end":2010.83,"sentiment":"neutral","sentiment_score":-0.10661706328392029},{"text":"Yep.","start":2012.33,"end":2012.8099,"sentiment":"neutral","sentiment_score":0.07855813950300217},{"text":"Perfect.","start":2012.8099,"end":2013.3099,"sentiment":"neutral","sentiment_score":0.24294191598892212}],"sentiment":"neutral","sentiment_score":-0.11770667081120713,"num_words":58,"start":1995.865,"end":2013.3099},{"sentences":[{"text":"And the last one here is, have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever borrowed the safe property?","start":2014.01,"end":2022.27,"sentiment":"neutral","sentiment_score":0.026017750641613296},{"text":"Yep.","start":2025.4751,"end":2025.875,"sentiment":"neutral","sentiment_score":0.06300456821918488},{"text":"Perfect.","start":2025.875,"end":2026.1951,"sentiment":"neutral","sentiment_score":0.18270602822303772},{"text":"And have you ever owned an investment property, or is it just your main PTR, your primary residence?","start":2026.1951,"end":2031.175,"sentiment":"neutral","sentiment_score":0.03774547349247667},{"text":"Yep.","start":2034.3551,"end":2034.755,"sentiment":"neutral","sentiment_score":0.039784982800483704}],"sentiment":"neutral","sentiment_score":0.03376851617186158,"num_words":54,"start":2014.01,"end":2034.755},{"sentences":[{"text":"Yep.","start":2034.755,"end":2035.2351,"sentiment":"neutral","sentiment_score":0.05876801908016205},{"text":"Perfect.","start":2035.2351,"end":2035.7351,"sentiment":"neutral","sentiment_score":0.21103297173976895},{"text":"Okay.","start":2036.57,"end":2036.97,"sentiment":"neutral","sentiment_score":0.056125491857528687},{"text":"So, Neil, you have definitely scored slightly lower.","start":2036.97,"end":2039.21,"sentiment":"neutral","sentiment_score":-0.059169214917346835},{"text":"So you're in that moderate bracket now.","start":2039.21,"end":2041.39,"sentiment":"neutral","sentiment_score":-0.028684333765080998}],"sentiment":"neutral","sentiment_score":-0.019345420723160107,"num_words":18,"start":2034.755,"end":2041.39},{"sentences":[{"text":"With the portfolio you're in now, we kinda went through what that looks like.","start":2042.49,"end":2046.25,"sentiment":"neutral","sentiment_score":0.03293757739343813},{"text":"But in that moderate sort of area, you're looking at reducing it down to either a balanced or a more defensive environment.","start":2046.25,"end":2053.095,"sentiment":"neutral","sentiment_score":0.03803027717565948},{"text":"So the balanced portfolio generally sees around about 50 to 60% of your super investing growth assets, so things like Australian shares, international shares, property, and commodities again there for you.","start":2053.2349,"end":2066.69,"sentiment":"neutral","sentiment_score":0.11304387113740368},{"text":"And then the other sort of 30 the 50 to 40 to 50% in defensive low risk investments.","start":2067.15,"end":2073.65,"sentiment":"neutral","sentiment_score":0.04670882566521565},{"text":"The average rate of return we're chasing with this sort of a portfolio is about five to 7%.","start":2074.35,"end":2079.41,"sentiment":"neutral","sentiment_score":0.0735756220916907}],"sentiment":"neutral","sentiment_score":0.06764341986656768,"num_words":103,"start":2042.49,"end":2079.41},{"sentences":[{"text":"And because there's always gonna be risk in the market, there's always years where maybe we receive a lower rate of return or negative return.","start":2080.005,"end":2087.065,"sentiment":"neutral","sentiment_score":-0.04350367743521929},{"text":"With this kind of portfolio, it's about one in seven years, so it is relatively low risk.","start":2087.9248,"end":2092.9849,"sentiment":"neutral","sentiment_score":0.1004924456424573},{"text":"It suits someone who has about three years investment time horizon, so you can be in a sort of a portfolio moving into those retirement years.","start":2093.6,"end":2103.06,"sentiment":"neutral","sentiment_score":0.1549262934579299},{"text":"That's moving you down one risk profile from where you are currently.","start":2103.6,"end":2107.46,"sentiment":"neutral","sentiment_score":0.02281988567362229},{"text":"The other option is if you still feel that that's a little bit too high, we can always move you down into more defensive environment, which is basically a whole switch on where you are.","start":2108.0452,"end":2118.705,"sentiment":"neutral","sentiment_score":-0.02728566841355392}],"sentiment":"neutral","sentiment_score":0.03450176959614391,"num_words":115,"start":2080.005,"end":2118.705},{"sentences":[{"text":"And that would be about 25 to 35% in growth assets, and then we have 65 to 75% in defensive lower risk investments.","start":2118.7651,"end":2128.45,"sentiment":"neutral","sentiment_score":0.021568809838398643},{"text":"We're chasing a return expected return of around two to 3% with this kind of defensive environment, and the likelihood of a negative return is still kind of one in every seven years with this sort of defensive portfolio as well.","start":2129.07,"end":2142.895,"sentiment":"neutral","sentiment_score":-0.046615174040198326},{"text":"How does that make you feel?","start":2143.595,"end":2145.835,"sentiment":"neutral","sentiment_score":0.0334569759046038},{"text":"What sort of level or what sort of portfolio would you like to see your funds invested in?","start":2145.835,"end":2150.4,"sentiment":"neutral","sentiment_score":0.0082762589574688},{"text":"Risk profile by maybe 10% move one down to see how that looks for the next few months?","start":2162.5598,"end":2168.115,"sentiment":"neutral","sentiment_score":-0.03659695407582654}],"sentiment":"neutral","sentiment_score":-0.016265756283658294,"num_words":106,"start":2118.7651,"end":2168.115},{"sentences":[{"text":"And then we can always look to reduce it further if it's not comfortable for you.","start":2168.115,"end":2172.375,"sentiment":"neutral","sentiment_score":-0.1714971363544464},{"text":"Yep.","start":2174.915,"end":2175.415,"sentiment":"neutral","sentiment_score":0.11700515449047089},{"text":"Beautiful.","start":2175.84,"end":2176.34,"sentiment":"positive","sentiment_score":0.3541546165943146},{"text":"You're okay with that?","start":2177.6,"end":2178.7202,"sentiment":"neutral","sentiment_score":0.2248370163142681},{"text":"Excellent.","start":2178.7202,"end":2179.2202,"sentiment":"positive","sentiment_score":0.49569737911224365}],"sentiment":"neutral","sentiment_score":-0.0381629985311757,"num_words":23,"start":2168.115,"end":2179.2202},{"sentences":[{"text":"Yep.","start":2180.1602,"end":2180.56,"sentiment":"positive","sentiment_score":0.34657490253448486},{"text":"Beautiful.","start":2180.56,"end":2181.06,"sentiment":"positive","sentiment_score":0.49998676776885986},{"text":"Well, what I'll do is I'll go and have a bit of a look at all the investments.","start":2181.12,"end":2183.9402,"sentiment":"neutral","sentiment_score":0.21429892794953453},{"text":"I'll do some research around all that for you.","start":2184.0,"end":2186.24,"sentiment":"neutral","sentiment_score":0.2107266535361608},{"text":"I'll come back and show you what that looks like.","start":2186.24,"end":2188.08,"sentiment":"neutral","sentiment_score":0.20414252914488315}],"sentiment":"neutral","sentiment_score":0.2215873729915191,"num_words":39,"start":2180.1602,"end":2188.08},{"sentences":[{"text":"I know it's a little bit hard with this conversation because it's kinda just all what we're talking about until you actually see the advice document, see what we've put together, and are able to see everything in front of you.","start":2188.08,"end":2199.525,"sentiment":"neutral","sentiment_score":-0.12909435807931713},{"text":"It can be a little bit much, so I do apologize about that.","start":2199.525,"end":2203.145,"sentiment":"neutral","sentiment_score":-0.2378174112393306},{"text":"But leave it with me.","start":2204.165,"end":2206.025,"sentiment":"neutral","sentiment_score":-0.151761794090271},{"text":"Sorry.","start":2209.8499,"end":2210.3499,"sentiment":"neutral","sentiment_score":-0.14633780717849731},{"text":"Yeah.","start":2210.8098,"end":2211.3098,"sentiment":"neutral","sentiment_score":-0.0402538925409317}],"sentiment":"neutral","sentiment_score":-0.15294910979564072,"num_words":61,"start":2188.08,"end":2211.3098},{"sentences":[{"text":"It does.","start":2220.5952,"end":2221.3152,"sentiment":"neutral","sentiment_score":0.14164551720023155},{"text":"It really does.","start":2221.3152,"end":2222.355,"sentiment":"neutral","sentiment_score":0.29989469051361084},{"text":"And this is sort of the area that I love, and I know I'm I'm 42 this year as I kinda mentioned before, but a lot of my work in this in our office is in that retirement space.","start":2222.355,"end":2232.115,"sentiment":"neutral","sentiment_score":0.3047226346456088},{"text":"So I do look at a lot of that for a lot of our clients, which fantastic.","start":2232.115,"end":2235.56,"sentiment":"positive","sentiment_score":0.6078676896936753},{"text":"So I'll do a lot of research in there for you.","start":2236.1802,"end":2238.34,"sentiment":"positive","sentiment_score":0.5161116394129667}],"sentiment":"positive","sentiment_score":0.4038630085479882,"num_words":72,"start":2220.5952,"end":2238.34},{"sentences":[{"text":"We'll do regular catch ups to make sure everything's working for you, and we can adjust the advice as things change for you.","start":2238.34,"end":2244.34,"sentiment":"positive","sentiment_score":0.3820231116336325},{"text":"Because I want this to work for you now, but I wanna make sure it lasts for you as well.","start":2244.34,"end":2249.315,"sentiment":"positive","sentiment_score":0.5026084899902343},{"text":"Yeah.","start":2249.455,"end":2249.775,"sentiment":"neutral","sentiment_score":0.23597705364227295},{"text":"You've got a long time to go on retirement.","start":2249.775,"end":2251.7148,"sentiment":"neutral","sentiment_score":0.23417450156476763},{"text":"You've got a lot that you probably wanna do in that time frame as well.","start":2251.775,"end":2255.295,"sentiment":"neutral","sentiment_score":0.257087696592013}],"sentiment":"positive","sentiment_score":0.3682141821174061,"num_words":68,"start":2238.34,"end":2255.295},{"sentences":[{"text":"So we'll make sure we're here to support you all the way through that.","start":2255.295,"end":2258.355,"sentiment":"positive","sentiment_score":0.3875007267509188},{"text":"Okay?","start":2258.415,"end":2258.915,"sentiment":"neutral","sentiment_score":0.2180639356374741},{"text":"All good.","start":2261.75,"end":2262.47,"sentiment":"positive","sentiment_score":0.5794800519943237},{"text":"Well, what I'll do now is I'll send through a bit of a recap email.","start":2262.47,"end":2266.07,"sentiment":"neutral","sentiment_score":0.1741154223680496},{"text":"Just going through the things that we've gone through and discussed.","start":2266.07,"end":2268.3298,"sentiment":"neutral","sentiment_score":0.20339874787764115}],"sentiment":"neutral","sentiment_score":0.2709570180538089,"num_words":43,"start":2255.295,"end":2268.3298},{"sentences":[{"text":"I'll just also get send the budget planner out for you.","start":2268.95,"end":2272.15,"sentiment":"neutral","sentiment_score":0.2102849009362134},{"text":"I'll also send through the instructions on how to get the Centrelink application that's being submitted through myGov.","start":2272.15,"end":2278.955,"sentiment":"neutral","sentiment_score":0.22185864216751522},{"text":"And if you can send me a statement as well as the application details, I can go and have a look at everything.","start":2279.255,"end":2284.635,"sentiment":"neutral","sentiment_score":0.2258792934210404},{"text":"If I do have additional questions, either myself or my admin team member, Michelle, would touch base and, you know, ask anything else that we possibly need.","start":2285.255,"end":2294.37,"sentiment":"neutral","sentiment_score":0.21878047397843114},{"text":"And then if you like, we can make a time in about two weeks to come back and provide that advice.","start":2294.99,"end":2300.35,"sentiment":"neutral","sentiment_score":0.06986729250777335}],"sentiment":"neutral","sentiment_score":0.18876099158078433,"num_words":100,"start":2268.95,"end":2300.35},{"sentences":[{"text":"Is that okay?","start":2300.35,"end":2301.25,"sentiment":"neutral","sentiment_score":0.08647791296243668},{"text":"Yep.","start":2303.345,"end":2303.7449,"sentiment":"neutral","sentiment_score":0.31144246459007263},{"text":"Perfect.","start":2303.7449,"end":2304.2249,"sentiment":"positive","sentiment_score":0.5721389055252075},{"text":"Let's make that time for you now.","start":2304.2249,"end":2306.405,"sentiment":"neutral","sentiment_score":0.2989941622529711},{"text":"So in my calendar, we can definitely do that.","start":2307.025,"end":2313.1848,"sentiment":"neutral","sentiment_score":0.20722199893660015}],"sentiment":"neutral","sentiment_score":0.2429034397715614,"num_words":21,"start":2300.35,"end":2313.1848},{"sentences":[{"text":"And did you want sort of this time of day I know we're a bit late today.","start":2313.1848,"end":2316.305,"sentiment":"neutral","sentiment_score":0.01627611686639926},{"text":"I'm so sorry about that.","start":2316.305,"end":2317.585,"sentiment":"neutral","sentiment_score":-0.045044220983982086},{"text":"But did you want kind of 11:30 on a Wednesday?","start":2317.585,"end":2320.83,"sentiment":"neutral","sentiment_score":0.0044569971039891245},{"text":"Yeah.","start":2325.1301,"end":2325.6301,"sentiment":"neutral","sentiment_score":0.07784883677959442},{"text":"Absolutely.","start":2326.57,"end":2327.07,"sentiment":"neutral","sentiment_score":0.15333685278892517}],"sentiment":"neutral","sentiment_score":0.009624368894626112,"num_words":34,"start":2313.1848,"end":2327.07},{"sentences":[{"text":"Not a problem at all.","start":2327.61,"end":2328.91,"sentiment":"neutral","sentiment_score":0.12586874514818192},{"text":"No.","start":2329.45,"end":2329.95,"sentiment":"neutral","sentiment_score":-0.015019233338534832},{"text":"No.","start":2333.875,"end":2334.115,"sentiment":"neutral","sentiment_score":-0.06545476615428925},{"text":"No.","start":2334.115,"end":2334.355,"sentiment":"neutral","sentiment_score":-0.0754752829670906},{"text":"You're fine.","start":2334.355,"end":2335.075,"sentiment":"neutral","sentiment_score":0.01556454721139744}],"sentiment":"neutral","sentiment_score":0.050452353770378974,"num_words":10,"start":2327.61,"end":2335.075},{"sentences":[{"text":"You I honestly have lunch whenever I'm hungry, and these days, I'm not very hungry.","start":2335.075,"end":2339.4949,"sentiment":"neutral","sentiment_score":-0.0840944359699885},{"text":"So it's all good.","start":2339.555,"end":2341.655,"sentiment":"neutral","sentiment_score":0.3033590093255043},{"text":"Let's have a look.","start":2342.835,"end":2344.135,"sentiment":"neutral","sentiment_score":0.14789069443941116},{"text":"So two weeks will put us at the May 13, and 10AM, I can do I've actually got most of that day free.","start":2344.8,"end":2353.84,"sentiment":"neutral","sentiment_score":0.09116213477176169},{"text":"So did you want 10:00 in the morning and we can go through it to them together?","start":2353.84,"end":2357.36,"sentiment":"neutral","sentiment_score":0.05055181550628999}],"sentiment":"neutral","sentiment_score":0.05555067045821084,"num_words":63,"start":2335.075,"end":2357.36},{"sentences":[{"text":"Is that suitable?","start":2357.36,"end":2358.1802,"sentiment":"neutral","sentiment_score":0.047853436321020126},{"text":"Perfect.","start":2360.805,"end":2361.305,"sentiment":"neutral","sentiment_score":0.2568179666996002},{"text":"Yep.","start":2363.925,"end":2364.165,"sentiment":"neutral","sentiment_score":0.06218097358942032},{"text":"10:00 your time.","start":2364.165,"end":2365.285,"sentiment":"neutral","sentiment_score":0.0815183495481809},{"text":"That's twelve o'clock my time.","start":2365.285,"end":2366.965,"sentiment":"neutral","sentiment_score":0.14809021055698396}],"sentiment":"neutral","sentiment_score":0.11135118082165718,"num_words":13,"start":2357.36,"end":2366.965},{"sentences":[{"text":"Yeah.","start":2366.965,"end":2367.465,"sentiment":"neutral","sentiment_score":0.12027786672115326},{"text":"That's okay.","start":2369.285,"end":2370.005,"sentiment":"neutral","sentiment_score":0.32807715237140656},{"text":"It's not a problem at all.","start":2370.005,"end":2372.105,"sentiment":"positive","sentiment_score":0.36877282957235974},{"text":"It's all booked in.","start":2374.0298,"end":2374.99,"sentiment":"positive","sentiment_score":0.35768595337867737},{"text":"I've added a text message reminder on there for you, so it'll send you a message an hour prior just reminding you of the appointment.","start":2374.99,"end":2380.77,"sentiment":"neutral","sentiment_score":0.2771231114864349}],"sentiment":"neutral","sentiment_score":0.2986287039361502,"num_words":38,"start":2366.965,"end":2380.77},{"sentences":[{"text":"And if anything comes up and you need to change it, just let me know.","start":2381.39,"end":2384.27,"sentiment":"neutral","sentiment_score":0.1920888846119245},{"text":"I'm very flexible, and I do work a lot after hours as well kind of in the evening to make it easier on everyone as well, especially for you guys in WA.","start":2384.27,"end":2392.085,"sentiment":"neutral","sentiment_score":0.273312627337873},{"text":"So yeah.","start":2392.145,"end":2393.2048,"sentiment":"neutral","sentiment_score":0.21326782554388046},{"text":"That's okay.","start":2394.9448,"end":2395.845,"sentiment":"neutral","sentiment_score":0.029133694246411324},{"text":"What was that, Neil?","start":2397.585,"end":2398.4648,"sentiment":"neutral","sentiment_score":0.004829155746847391}],"sentiment":"neutral","sentiment_score":0.22057194557379592,"num_words":55,"start":2381.39,"end":2398.4648},{"sentences":[{"text":"Sorry.","start":2398.4648,"end":2398.9648,"sentiment":"neutral","sentiment_score":-0.044748686254024506},{"text":"Yeah.","start":2401.84,"end":2402.34,"sentiment":"neutral","sentiment_score":0.042949043214321136},{"text":"Yeah.","start":2402.48,"end":2402.98,"sentiment":"neutral","sentiment_score":0.060293473303318024},{"text":"Well, Bart trained me, so, hopefully, I'm half as good as him.","start":2403.04,"end":2406.34,"sentiment":"neutral","sentiment_score":0.12561840688188872},{"text":"He does.","start":2410.64,"end":2411.44,"sentiment":"neutral","sentiment_score":0.036482520401477814}],"sentiment":"neutral","sentiment_score":0.09640469139113146,"num_words":17,"start":2398.4648,"end":2411.44},{"sentences":[{"text":"He does.","start":2411.44,"end":2412.16,"sentiment":"neutral","sentiment_score":0.03347881883382797},{"text":"Bart does all the the owner stuff, all the compliance things, talking to and all the bits and pieces to keep the business running.","start":2412.16,"end":2419.365,"sentiment":"neutral","sentiment_score":0.20734851993620396},{"text":"So his job is very important.","start":2419.5051,"end":2422.0051,"sentiment":"neutral","sentiment_score":0.12484127531449},{"text":"But, no, looking forward to put sorry.","start":2422.225,"end":2426.325,"sentiment":"neutral","sentiment_score":-0.03231471936617579},{"text":"Yeah.","start":2427.025,"end":2427.345,"sentiment":"neutral","sentiment_score":0.11274993419647215}],"sentiment":"neutral","sentiment_score":0.14197291666641831,"num_words":40,"start":2411.44,"end":2427.345},{"sentences":[{"text":"That's right.","start":2427.345,"end":2428.245,"sentiment":"neutral","sentiment_score":0.3160601705312729},{"text":"That's exactly right.","start":2430.39,"end":2431.67,"sentiment":"positive","sentiment_score":0.4414689640204112},{"text":"No.","start":2431.67,"end":2432.15,"sentiment":"neutral","sentiment_score":0.03345111012458801},{"text":"All good.","start":2432.15,"end":2432.89,"sentiment":"neutral","sentiment_score":0.2320237159729004},{"text":"Well, what I'll do is I'll put this advice together.","start":2433.03,"end":2434.8699,"sentiment":"neutral","sentiment_score":0.27615436166524887}],"sentiment":"neutral","sentiment_score":0.28975385510259205,"num_words":18,"start":2427.345,"end":2434.8699},{"sentences":[{"text":"We'll come back and have a really good chat about it on the thirteenth.","start":2434.8699,"end":2437.8499,"sentiment":"positive","sentiment_score":0.3800285756587982},{"text":"In the meantime, I'll get that email through to you.","start":2438.0698,"end":2440.31,"sentiment":"neutral","sentiment_score":0.20600851029157638},{"text":"And if you either if you find you have any additional questions, please let me know.","start":2440.31,"end":2444.3298,"sentiment":"neutral","sentiment_score":0.136807675473392},{"text":"In my world, there is no such thing as a silly question.","start":2444.925,"end":2447.165,"sentiment":"neutral","sentiment_score":-0.04246867727488279},{"text":"If there's something you need answered, you're welcome to shoot me an email, give me a call, and I'll make sure I answer it for you.","start":2447.165,"end":2453.245,"sentiment":"neutral","sentiment_score":0.2095289949614268}],"sentiment":"neutral","sentiment_score":0.1859940732232271,"num_words":78,"start":2434.8699,"end":2453.245},{"sentences":[{"text":"Okay?","start":2453.245,"end":2453.745,"sentiment":"neutral","sentiment_score":0.15232400596141815},{"text":"My pleasure.","start":2457.6702,"end":2458.49,"sentiment":"positive","sentiment_score":0.8341859579086304},{"text":"I hope you both have a lovely day.","start":2458.55,"end":2460.55,"sentiment":"positive","sentiment_score":0.8218917399644852},{"text":"Camille, it was amazing to meet you.","start":2460.55,"end":2462.1501,"sentiment":"positive","sentiment_score":0.8688617433820452},{"text":"It's good to talk to you finally.","start":2462.1501,"end":2463.69,"sentiment":"positive","sentiment_score":0.8645050525665283}],"sentiment":"positive","sentiment_score":0.821175896525383,"num_words":25,"start":2453.245,"end":2463.69},{"sentences":[{"text":"My pleasure.","start":2466.47,"end":2467.19,"sentiment":"positive","sentiment_score":0.792153388261795},{"text":"Enjoy your day, guys.","start":2467.19,"end":2468.31,"sentiment":"positive","sentiment_score":0.7675165981054306},{"text":"I'll talk to you soon.","start":2468.31,"end":2469.45,"sentiment":"positive","sentiment_score":0.5787278652191162},{"text":"K.","start":2472.0488,"end":2472.129,"sentiment":"neutral","sentiment_score":0.12611834704875946},{"text":"See you later.","start":2472.129,"end":2472.8489,"sentiment":"neutral","sentiment_score":0.25942624111970264}],"sentiment":"positive","sentiment_score":0.5634939710299174,"num_words":15,"start":2466.47,"end":2472.8489},{"sentences":[{"text":"Bye.","start":2472.8489,"end":2473.3489,"sentiment":"neutral","sentiment_score":0.17358076572418213}],"sentiment":"neutral","sentiment_score":0.17358076572418213,"num_words":1,"start":2472.8489,"end":2473.3489}]}}]},{"alternatives":[{"transcript":"Hello? Sorry about that. I slept in. Alright. Yep. Neil Owen, '2 05 up or 16 Paper Bar close point up. Yeah. It's going in. I haven't heard anything. I just received a email this morning. There was an email this morning that I got my senior's card. So things are rolling along. I gotta still go to my sister's place and do some more. So, yeah, I gotta do the DOT one where I get registration and licensing and that sort of stuff. So, yeah, it's flooding along. It's I don't get it till June anyway, so I I I suppose I can't use them until I actually get my pension. I'm not sure how it works. Alright. Yep. Yep. I've got my wife here. Hi, Dana. I'm Camilla. How are you going? Good. Yeah. Look. I guess, Dana, our main thing probably is getting advice on whether we, like, we get a payout figure and pay off the last bit of the month. Yeah. I think that's probably our thing at the moment. And and also, I suppose once once we know well, other what people do what they normally do is do you normally do they normally draw, like, a part part sort of a a weight off of the super to the amount, you know, like to I don't know. What what do people normally do? Yep. Yes. It does. Yep. Alright. So no. I was just gonna say, so for the moment, it's if I get a I'll get the a statement from from the bank. And then yeah. Well, I mean, I'm still getting a a fortnightly wage, but it's probably not gonna be enough for us to live as we have been living, if you know what I mean. You know, like we certainly don't wanna go into it sort of having to think, you know, from week to week. Oh my god. We're just getting we've just got enough to to survive. You know what I mean? So yeah. So I guess it it we have to also wait to see then how much it's going to actually get as a pension. So yep. Okay. Yep. Yep. Yep. Yep. Yes, please. Oh, gosh. Well, on a fortnightly basis, just, you know, like like, as a normal, just living with that with bills or is that taking into consideration, you know, like because we've both we've both got, like, private health cover. We've got, you know, obviously, things like rates, motor vehicle, home and contents insurance, regos, vet bills. Yep. Yes. Yep. Yep. Sure. Yeah. Yeah. Absolutely. Alright. Yes. Yeah. And I when I was doing the pension, the the lady, Vanessa, who did did it for me, she said, oh, you can actually you're allowed to work. She said you do twenty hours a week. Alright. Something to look for for Apple? Yep. Okay. Yes. Good. Yep. I I think so. Because I'm I'm literally, I'm permanent part time. So my my wage fortnightly wage sort of does fluctuate a little bit depending on yeah. I'm a I'm a travel agent, and so I'll spend a little bit on on commissions. And, yeah, it depends on on how, you know, business week or business fortnight, so to speak, as how much I get. So, yeah, maybe maybe leave mine as a as a, yeah, as a bonus, I think. Yes. Yes. Back back to yeah. We do rewarded pretty well. Yeah. Yeah. So, like, just like an average fortnight? Yeah. Probably, it look because it can range anywhere from probably around 1,300 to $2. Somewhere in the middle of that would would give a fairly decent average. We had it valued a few years ago, and that was around $6.50. Yeah. Two. One's a a South Ford Falcon sedan and one's a Ford Falcon boot. What what? Resale value or buy new? Well, yeah, they don't even make them anymore. It's 2,000 both mine's a 2,012 model and Camilla's is 13. So I suppose if you could get over over $10 for them. 8 to 10 maybe. I I think the fact that these are not being made and You could get a little bit more for them? Yeah. Because So and they're both in And they're both in bilingual condition. Not in not not of that nature. No. Let me check contents. What the value of content? What did you put down for the value of content when you did something? I mean, the the funniest thing about doing that day and age, it's stuff's only worth what people are willing to pay. So you know what I mean? Like, we might have, you know, like, a TV that we paid, you know, 1,200 for, and then five months down the track, it might be worth $50 to someone. You know? Like, it's and I mean, people these days tend to wanna wanna buy new. So yeah. Yes. Yes. Yes. So yeah. No. I wouldn't put it in any higher than that then. I don't think that question came up. It must have at some point. I'll have to ring this. Oh, what were you gonna say, Dana? Yep. Okay. Alright. That's part of it. Let me pay. Yeah. It did ask for an average. And I think I put down I think I put down about 1,200 because it literally, like, one pay here was, like, 1,158, and then the next one was, like, 1,380. And then but yeah. So there was, you know, it was up and down, up and down. Yes. Yes. No. But, Dana, we don't have a copy of that application. Sorry. So we're just gonna so can you remember, was it, like, 2,005 thousand, like, for the value? What we put down? Alright. She probably won't know. She's there. I can get ahold of my sister and get a because Vindisi would have saved that. I don't think she would have deleted it because it's she deals direct with Centrelink anyway. And yes. Because I had to go on the Wi Fi to do it. Okay. Yes. Yep. Okay. Yeah. But that would be stand along, would it? Yep. That's fine. Perfect. Thank you, Dana. Perfect. Thanks. I don't think so. Yes. Yes. Yes. Years ago with BHP, but that was it. No. I was just gonna say I think we may have a few AMP. I think there's, like it's only a really nominal amount. It was way like it was almost, like, a hundred years ago when it they automatically went into a share thing, and I can't don't even remember, like, what the circumstances were, but it was, like, literally only, like, about 1,200 or something shares. So it's only one nominal, like I don't even know if we even earn anything on them. But I suppose you would be. If they're sitting there like, they have been just sitting there in the background for, like, years. This is interesting. I didn't know that. I know I Don't even think about them because it was something that we never ever, like, you know, went out and actively obtained. You know what I mean? Like, it was but it's I think it had to do with change of change of I don't know. What do we have what do we have with AMP? We just had a the AMP Bank. Because we had money in the AMP Bank. But That was a new I know. That was yeah. It was a 100 years ago. The I'll see what I can I'll see what I can find out for you. Yeah. Would have been the eight It's, like, from the eighties, I think, or it's like before you were born. You're only a baby. Alright. Yeah. Which would be me in it. I don't think so. He's probably on of it. Yes. Yes. We're not we're not real huge risk takers. And if you go to five, but nothing goes and then something happens and the share market goes belly up. That's probably on the lower scale, Dana. Well, do a two or three. You got 50 Yes. Perfect. Probably the second one. Because they're not in we wouldn't be in a position to, you know, like, invest any other, you know, money from somewhere else. So Yes. It's hard to say. The world's crazy at the moment. Yeah. More busy than one bloke. I guess, you know, like, at the end of the day, we have to just we have to be mindful, you know, like that we could potentially have, you know, another twenty five years each, you know, like, the that we need to be able to survive comfortably. You know? So Yep. Yes. Yes. Yeah. Yep. Yeah. Only ever to buy the property. Yeah. Just some primary residence. Cricket. Yes. Sure. Yeah. Yeah. Yeah. It's no. I was gonna say it's just all new to us. You know, like, phase of our life. It's, you know, it's not something you really well, I mean, it just creeps up on you, doesn't it? Yep. Perfect. Yeah. Perfect. Can I Can I get a Wednesday? Yeah. Or even a bit earlier, 10:00. Is that your lunch time? Like oh, sorry. That's it is your lunch time. Sorry. Yep. Yep. Perfect. So that's ten o Alcon. Ten Alcon. Beautiful. Yep. Thank you, Diana. Thank you. Yeah. Bart used Bart used to do that for us. Yeah. He didn't sit in the now. Otherwise, you don't. Perfect. Thank you so much. Thank you, Dana. Thank you. Absolutely. Thank you, Jenna. Bye bye. 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Sorry about that. I slept in. Alright. Yep.\n\nNeil Owen, '2 05 up or 16 Paper Bar close point up. Yeah. It's going in. I haven't heard anything. I just received a email this morning.\n\nThere was an email this morning that I got my senior's card. So things are rolling along. I gotta still go to my sister's place and do some more. So, yeah, I gotta do the DOT one where I get registration and licensing and that sort of stuff. So, yeah, it's flooding along.\n\nIt's I don't get it till June anyway, so I I I suppose I can't use them until I actually get my pension. I'm not sure how it works. Alright. Yep. Yep.\n\nI've got my wife here. Hi, Dana. I'm Camilla. How are you going? Good.\n\nYeah. Look. I guess, Dana, our main thing probably is getting advice on whether we, like, we get a payout figure and pay off the last bit of the month. Yeah. I think that's probably our thing at the moment.\n\nAnd and also, I suppose once once we know well, other what people do what they normally do is do you normally do they normally draw, like, a part part sort of a a weight off of the super to the amount, you know, like to I don't know. What what do people normally do? Yep. Yes. It does.\n\nYep. Alright. So no. I was just gonna say, so for the moment, it's if I get a I'll get the a statement from from the bank. And then yeah.\n\nWell, I mean, I'm still getting a a fortnightly wage, but it's probably not gonna be enough for us to live as we have been living, if you know what I mean. You know, like we certainly don't wanna go into it sort of having to think, you know, from week to week. Oh my god. We're just getting we've just got enough to to survive. You know what I mean?\n\nSo yeah. So I guess it it we have to also wait to see then how much it's going to actually get as a pension. So yep. Okay. Yep.\n\nYep. Yep. Yep. Yes, please. Oh, gosh.\n\nWell, on a fortnightly basis, just, you know, like like, as a normal, just living with that with bills or is that taking into consideration, you know, like because we've both we've both got, like, private health cover. We've got, you know, obviously, things like rates, motor vehicle, home and contents insurance, regos, vet bills. Yep. Yes. Yep.\n\nYep. Sure. Yeah. Yeah. Absolutely.\n\nAlright. Yes. Yeah. And I when I was doing the pension, the the lady, Vanessa, who did did it for me, she said, oh, you can actually you're allowed to work. She said you do twenty hours a week.\n\nAlright. Something to look for for Apple? Yep. Okay. Yes.\n\nGood. Yep. I I think so. Because I'm I'm literally, I'm permanent part time. So my my wage fortnightly wage sort of does fluctuate a little bit depending on yeah.\n\nI'm a I'm a travel agent, and so I'll spend a little bit on on commissions. And, yeah, it depends on on how, you know, business week or business fortnight, so to speak, as how much I get. So, yeah, maybe maybe leave mine as a as a, yeah, as a bonus, I think. Yes. Yes.\n\nBack back to yeah. We do rewarded pretty well. Yeah. Yeah. So, like, just like an average fortnight?\n\nYeah. Probably, it look because it can range anywhere from probably around 1,300 to $2. Somewhere in the middle of that would would give a fairly decent average. We had it valued a few years ago, and that was around $6.50. Yeah.\n\nTwo. One's a a South Ford Falcon sedan and one's a Ford Falcon boot. What what? Resale value or buy new? Well, yeah, they don't even make them anymore.\n\nIt's 2,000 both mine's a 2,012 model and Camilla's is 13. So I suppose if you could get over over $10 for them. 8 to 10 maybe. I I think the fact that these are not being made and You could get a little bit more for them? Yeah.\n\nBecause So and they're both in And they're both in bilingual condition. Not in not not of that nature. No. Let me check contents. What the value of content?\n\nWhat did you put down for the value of content when you did something? I mean, the the funniest thing about doing that day and age, it's stuff's only worth what people are willing to pay. So you know what I mean? Like, we might have, you know, like, a TV that we paid, you know, 1,200 for, and then five months down the track, it might be worth $50 to someone. You know?\n\nLike, it's and I mean, people these days tend to wanna wanna buy new. So yeah. Yes. Yes. Yes.\n\nSo yeah. No. I wouldn't put it in any higher than that then. I don't think that question came up. It must have at some point.\n\nI'll have to ring this. Oh, what were you gonna say, Dana? Yep. Okay. Alright.\n\nThat's part of it. Let me pay. Yeah. It did ask for an average. And I think I put down I think I put down about 1,200 because it literally, like, one pay here was, like, 1,158, and then the next one was, like, 1,380.\n\nAnd then but yeah. So there was, you know, it was up and down, up and down. Yes. Yes. No.\n\nBut, Dana, we don't have a copy of that application. Sorry. So we're just gonna so can you remember, was it, like, 2,005 thousand, like, for the value? What we put down? Alright.\n\nShe probably won't know. She's there. I can get ahold of my sister and get a because Vindisi would have saved that. I don't think she would have deleted it because it's she deals direct with Centrelink anyway. And yes.\n\nBecause I had to go on the Wi Fi to do it. Okay. Yes. Yep. Okay.\n\nYeah. But that would be stand along, would it? Yep. That's fine. Perfect.\n\nThank you, Dana. Perfect. Thanks. I don't think so. Yes.\n\nYes. Yes. Years ago with BHP, but that was it. No. I was just gonna say I think we may have a few AMP.\n\nI think there's, like it's only a really nominal amount. It was way like it was almost, like, a hundred years ago when it they automatically went into a share thing, and I can't don't even remember, like, what the circumstances were, but it was, like, literally only, like, about 1,200 or something shares. So it's only one nominal, like I don't even know if we even earn anything on them. But I suppose you would be. If they're sitting there like, they have been just sitting there in the background for, like, years.\n\nThis is interesting. I didn't know that. I know I Don't even think about them because it was something that we never ever, like, you know, went out and actively obtained. You know what I mean? Like, it was but it's I think it had to do with change of change of I don't know.\n\nWhat do we have what do we have with AMP? We just had a the AMP Bank. Because we had money in the AMP Bank. But That was a new I know. That was yeah.\n\nIt was a 100 years ago. The I'll see what I can I'll see what I can find out for you. Yeah. Would have been the eight It's, like, from the eighties, I think, or it's like before you were born. You're only a baby.\n\nAlright. Yeah. Which would be me in it. I don't think so. He's probably on of it.\n\nYes. Yes. We're not we're not real huge risk takers. And if you go to five, but nothing goes and then something happens and the share market goes belly up. That's probably on the lower scale, Dana.\n\nWell, do a two or three. You got 50 Yes. Perfect. Probably the second one. Because they're not in we wouldn't be in a position to, you know, like, invest any other, you know, money from somewhere else.\n\nSo Yes. It's hard to say. The world's crazy at the moment. Yeah. More busy than one bloke.\n\nI guess, you know, like, at the end of the day, we have to just we have to be mindful, you know, like that we could potentially have, you know, another twenty five years each, you know, like, the that we need to be able to survive comfortably. You know? So Yep. Yes. Yes.\n\nYeah. Yep. Yeah. Only ever to buy the property. Yeah.\n\nJust some primary residence. Cricket. Yes. Sure. Yeah.\n\nYeah. Yeah. It's no. I was gonna say it's just all new to us. You know, like, phase of our life.\n\nIt's, you know, it's not something you really well, I mean, it just creeps up on you, doesn't it? Yep. Perfect. Yeah. Perfect.\n\nCan I Can I get a Wednesday? Yeah. Or even a bit earlier, 10:00. Is that your lunch time? Like oh, sorry.\n\nThat's it is your lunch time. Sorry. Yep. Yep. Perfect.\n\nSo that's ten o Alcon. Ten Alcon. Beautiful. Yep. Thank you, Diana.\n\nThank you. Yeah. Bart used Bart used to do that for us. Yeah. He didn't sit in the now.\n\nOtherwise, you don't. Perfect. Thank you so much. Thank you, Dana. Thank you.\n\nAbsolutely. Thank you, Jenna. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.12,"end":1.62,"sentiment":"neutral","sentiment_score":0.0271468423306942},{"text":"Sorry about that.","start":6.7999997,"end":7.52,"sentiment":"neutral","sentiment_score":-0.10070870320002238},{"text":"I slept in.","start":7.52,"end":8.5,"sentiment":"neutral","sentiment_score":-0.04474891473849615},{"text":"Alright.","start":15.2,"end":15.7,"sentiment":"neutral","sentiment_score":0.30620989203453064},{"text":"Yep.","start":30.705,"end":31.205,"sentiment":"neutral","sentiment_score":0.10232488811016084}],"sentiment":"neutral","sentiment_score":-0.00007680348224109919,"num_words":9,"start":1.12,"end":31.205},{"sentences":[{"text":"Neil Owen, '2 05 up or 16 Paper Bar close point up.","start":40.829998,"end":47.685,"sentiment":"neutral","sentiment_score":0.02993506674344341},{"text":"Yeah.","start":54.545002,"end":54.785,"sentiment":"neutral","sentiment_score":0.04477863013744354},{"text":"It's going in.","start":54.785,"end":55.92,"sentiment":"neutral","sentiment_score":0.042343425254027046},{"text":"I haven't heard anything.","start":56.0,"end":57.14,"sentiment":"neutral","sentiment_score":-0.06961191445589066},{"text":"I just received a email this morning.","start":57.6,"end":60.1,"sentiment":"neutral","sentiment_score":-0.013770033472350665}],"sentiment":"neutral","sentiment_score":0.005784882025586234,"num_words":27,"start":40.829998,"end":60.1},{"sentences":[{"text":"There was an email this morning that I got my senior's card.","start":61.6,"end":64.34,"sentiment":"neutral","sentiment_score":0.01565283474822839},{"text":"So things are rolling along.","start":66.32,"end":67.935,"sentiment":"neutral","sentiment_score":0.14919603765010833},{"text":"I gotta still go to my sister's place and do some more.","start":68.095,"end":71.634995,"sentiment":"neutral","sentiment_score":-0.0045958734505499406},{"text":"So, yeah, I gotta do the DOT one where I get registration and licensing and that sort of stuff.","start":74.415,"end":85.43,"sentiment":"neutral","sentiment_score":-0.013657458126544952},{"text":"So, yeah, it's flooding along.","start":88.21001,"end":90.950005,"sentiment":"neutral","sentiment_score":-0.1322095900774002}],"sentiment":"neutral","sentiment_score":-0.0007901119050692838,"num_words":53,"start":61.6,"end":90.950005},{"sentences":[{"text":"It's I don't get it till June anyway, so I I I suppose I can't use them until I actually get my pension.","start":91.01,"end":100.284996,"sentiment":"neutral","sentiment_score":-0.1581333159752514},{"text":"I'm not sure how it works.","start":100.905,"end":102.365,"sentiment":"neutral","sentiment_score":-0.12106204777956009},{"text":"Alright.","start":106.985,"end":107.485,"sentiment":"neutral","sentiment_score":0.1017068475484848},{"text":"Yep.","start":110.79,"end":111.29,"sentiment":"neutral","sentiment_score":0.05540310963988304},{"text":"Yep.","start":119.11,"end":119.61,"sentiment":"neutral","sentiment_score":0.08697017282247543}],"sentiment":"neutral","sentiment_score":-0.1287299507530406,"num_words":32,"start":91.01,"end":119.61},{"sentences":[{"text":"I've got my wife here.","start":137.56999,"end":139.11,"sentiment":"neutral","sentiment_score":0.1616419091820717},{"text":"Hi, Dana.","start":141.32999,"end":141.97,"sentiment":"positive","sentiment_score":0.3334031403064728},{"text":"I'm Camilla.","start":141.97,"end":142.68999,"sentiment":"neutral","sentiment_score":0.27987025678157806},{"text":"How are you going?","start":142.68999,"end":143.51,"sentiment":"positive","sentiment_score":0.36757175624370575},{"text":"Good.","start":147.09,"end":147.59,"sentiment":"positive","sentiment_score":0.5349330902099609}],"sentiment":"neutral","sentiment_score":0.28856974680508884,"num_words":14,"start":137.56999,"end":147.59},{"sentences":[{"text":"Yeah.","start":149.17,"end":149.48999,"sentiment":"neutral","sentiment_score":0.2490227371454239},{"text":"Look.","start":149.48999,"end":149.81,"sentiment":"neutral","sentiment_score":0.1895023137331009},{"text":"I guess, Dana, our main thing probably is getting advice on whether we, like, we get a payout figure and pay off the last bit of the month.","start":149.81,"end":161.065,"sentiment":"neutral","sentiment_score":0.12467758836490768},{"text":"Yeah.","start":163.3,"end":163.45999,"sentiment":"neutral","sentiment_score":0.11163536459207536},{"text":"I think that's probably our thing at the moment.","start":163.45999,"end":169.26001,"sentiment":"neutral","sentiment_score":0.1318173110485077}],"sentiment":"neutral","sentiment_score":0.1306872172281146,"num_words":40,"start":149.17,"end":169.26001},{"sentences":[{"text":"And and also, I suppose once once we know well, other what people do what they normally do is do you normally do they normally draw, like, a part part sort of a a weight off of the super to the amount, you know, like to I don't know.","start":169.94,"end":193.9,"sentiment":"neutral","sentiment_score":-0.012110601882545315},{"text":"What what do people normally do?","start":193.9,"end":195.76,"sentiment":"neutral","sentiment_score":-0.07009133355071147},{"text":"Yep.","start":220.09001,"end":220.59001,"sentiment":"neutral","sentiment_score":0.17951618134975433},{"text":"Yes.","start":270.475,"end":270.79498,"sentiment":"neutral","sentiment_score":0.22944462299346924},{"text":"It does.","start":270.79498,"end":271.615,"sentiment":"neutral","sentiment_score":0.2692091166973114}],"sentiment":"neutral","sentiment_score":-0.0011286178951041173,"num_words":59,"start":169.94,"end":271.615},{"sentences":[{"text":"Yep.","start":271.675,"end":272.175,"sentiment":"neutral","sentiment_score":0.23472589254379272},{"text":"Alright.","start":274.555,"end":274.955,"sentiment":"positive","sentiment_score":0.3924705684185028},{"text":"So no.","start":274.955,"end":278.0,"sentiment":"neutral","sentiment_score":0.0632910206913948},{"text":"I was just gonna say, so for the moment, it's if I get a I'll get the a statement from from the bank.","start":278.0,"end":285.94,"sentiment":"neutral","sentiment_score":-0.053971893437530685},{"text":"And then yeah.","start":287.44,"end":289.865,"sentiment":"neutral","sentiment_score":-0.00635378435254097}],"sentiment":"neutral","sentiment_score":-0.016887879992524783,"num_words":30,"start":271.675,"end":289.865},{"sentences":[{"text":"Well, I mean, I'm still getting a a fortnightly wage, but it's probably not gonna be enough for us to live as we have been living, if you know what I mean.","start":289.865,"end":300.505,"sentiment":"neutral","sentiment_score":-0.2169317752122879},{"text":"You know, like we certainly don't wanna go into it sort of having to think, you know, from week to week.","start":300.505,"end":310.28,"sentiment":"neutral","sentiment_score":-0.26366717120011646},{"text":"Oh my god.","start":310.28,"end":310.76,"sentiment":"neutral","sentiment_score":-0.24816939731438956},{"text":"We're just getting we've just got enough to to survive.","start":310.76,"end":313.88,"sentiment":"neutral","sentiment_score":-0.25156970471143725},{"text":"You know what I mean?","start":313.88,"end":314.925,"sentiment":"neutral","sentiment_score":-0.10183241665363311}],"sentiment":"neutral","sentiment_score":-0.2288478130186108,"num_words":71,"start":289.865,"end":314.925},{"sentences":[{"text":"So yeah.","start":316.125,"end":317.905,"sentiment":"neutral","sentiment_score":0.07376756519079208},{"text":"So I guess it it we have to also wait to see then how much it's going to actually get as a pension.","start":318.60498,"end":326.22498,"sentiment":"neutral","sentiment_score":0.006878251776747082},{"text":"So yep.","start":327.63,"end":342.735,"sentiment":"neutral","sentiment_score":0.08356578648090363},{"text":"Okay.","start":355.215,"end":355.62,"sentiment":"neutral","sentiment_score":0.23003441095352173},{"text":"Yep.","start":365.62,"end":366.12,"sentiment":"neutral","sentiment_score":0.11771836876869202}],"sentiment":"neutral","sentiment_score":0.028297216342440968,"num_words":29,"start":316.125,"end":366.12},{"sentences":[{"text":"Yep.","start":379.565,"end":380.065,"sentiment":"neutral","sentiment_score":0.18054327368736267},{"text":"Yep.","start":391.45,"end":391.95,"sentiment":"neutral","sentiment_score":0.16249880194664},{"text":"Yep.","start":397.21,"end":397.69,"sentiment":"neutral","sentiment_score":0.20955845713615415},{"text":"Yes, please.","start":397.69,"end":398.565,"sentiment":"neutral","sentiment_score":0.26567308604717255},{"text":"Oh, gosh.","start":409.365,"end":410.185,"sentiment":"neutral","sentiment_score":0.06550169549882412}],"sentiment":"neutral","sentiment_score":0.1735642994088786,"num_words":7,"start":379.565,"end":410.185},{"sentences":[{"text":"Well, on a fortnightly basis, just, you know, like like, as a normal, just living with that with bills or is that taking into consideration, you know, like because we've both we've both got, like, private health cover.","start":412.12997,"end":426.995,"sentiment":"neutral","sentiment_score":0.007033398301389657},{"text":"We've got, you know, obviously, things like rates, motor vehicle, home and contents insurance, regos, vet 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I when I was doing the pension, the the lady, Vanessa, who did did it for me, she said, oh, you can actually you're allowed to work.","start":534.645,"end":544.14996,"sentiment":"neutral","sentiment_score":0.15962204363729274},{"text":"She said you do twenty hours a week.","start":544.85,"end":547.50995,"sentiment":"neutral","sentiment_score":0.0723969154059887}],"sentiment":"neutral","sentiment_score":0.1398887804303414,"num_words":39,"start":499.53998,"end":547.50995},{"sentences":[{"text":"Alright.","start":589.445,"end":589.945,"sentiment":"neutral","sentiment_score":0.1542627513408661},{"text":"Something to look for for Apple?","start":590.245,"end":592.66504,"sentiment":"neutral","sentiment_score":0.12547689924637476},{"text":"Yep.","start":609.94495,"end":610.44495,"sentiment":"neutral","sentiment_score":0.14875024557113647},{"text":"Okay.","start":639.045,"end":639.545,"sentiment":"neutral","sentiment_score":0.09192340821027756},{"text":"Yes.","start":645.26245,"end":645.76245,"sentiment":"neutral","sentiment_score":0.11259686201810835}],"sentiment":"neutral","sentiment_score":0.12603946626186371,"num_words":10,"start":589.445,"end":645.76245},{"sentences":[{"text":"Good.","start":651.56,"end":651.95996,"sentiment":"positive","sentiment_score":0.36380594968795776},{"text":"Yep.","start":651.95996,"end":652.45996,"sentiment":"neutral","sentiment_score":0.29691383242607117},{"text":"I I think so.","start":680.035,"end":680.82,"sentiment":"neutral","sentiment_score":0.023953535594046116},{"text":"Because I'm I'm literally, I'm permanent part time.","start":680.82,"end":683.78,"sentiment":"neutral","sentiment_score":0.014931613230146468},{"text":"So my my wage fortnightly wage sort of does fluctuate a little bit depending on yeah.","start":683.78,"end":692.26,"sentiment":"neutral","sentiment_score":0.015460076450835913}],"sentiment":"neutral","sentiment_score":0.037444935118158655,"num_words":30,"start":651.56,"end":692.26},{"sentences":[{"text":"I'm a I'm a travel agent, and so I'll spend a little bit on on commissions.","start":692.26,"end":698.015,"sentiment":"neutral","sentiment_score":0.02944930869853124},{"text":"And, yeah, it depends on on how, you know, business week or business fortnight, so to speak, as how much I get.","start":698.075,"end":708.23505,"sentiment":"neutral","sentiment_score":0.027690798975527287},{"text":"So, yeah, maybe maybe leave mine as a as a, yeah, as a bonus, I think.","start":708.23505,"end":715.28,"sentiment":"neutral","sentiment_score":0.07712810323573649},{"text":"Yes.","start":721.9,"end":722.4,"sentiment":"neutral","sentiment_score":0.04349733144044876},{"text":"Yes.","start":722.86005,"end":723.36005,"sentiment":"neutral","sentiment_score":0.036623209714889526}],"sentiment":"neutral","sentiment_score":0.04275994124223611,"num_words":56,"start":692.26,"end":723.36005},{"sentences":[{"text":"Back back to yeah.","start":724.14,"end":733.495,"sentiment":"neutral","sentiment_score":0.017605966422706842},{"text":"We do rewarded pretty well.","start":734.515,"end":736.935,"sentiment":"positive","sentiment_score":0.5629234910011292},{"text":"Yeah.","start":743.97,"end":744.47,"sentiment":"positive","sentiment_score":0.466911256313324},{"text":"Yeah.","start":761.28503,"end":761.685,"sentiment":"neutral","sentiment_score":0.02365680411458015},{"text":"So, like, just like an average fortnight?","start":761.685,"end":764.265,"sentiment":"neutral","sentiment_score":0.006949886546603271}],"sentiment":"neutral","sentiment_score":0.19023658816392222,"num_words":18,"start":724.14,"end":764.265},{"sentences":[{"text":"Yeah.","start":766.45,"end":766.93,"sentiment":"neutral","sentiment_score":0.019553231075406075},{"text":"Probably, it look because it can range anywhere from probably around 1,300 to $2.","start":766.93,"end":773.35,"sentiment":"neutral","sentiment_score":0.012875745605145181},{"text":"Somewhere in the middle of that would would give a fairly decent average.","start":775.97,"end":779.67,"sentiment":"neutral","sentiment_score":0.08083479278362714},{"text":"We had it valued a few years ago, and that was around $6.50.","start":825.32,"end":829.9,"sentiment":"neutral","sentiment_score":-0.021314095849028},{"text":"Yeah.","start":858.59,"end":859.09,"sentiment":"neutral","sentiment_score":0.023408904671669006}],"sentiment":"neutral","sentiment_score":0.023737896056402297,"num_words":42,"start":766.45,"end":859.09},{"sentences":[{"text":"Two.","start":862.67,"end":863.17,"sentiment":"neutral","sentiment_score":0.050068750977516174},{"text":"One's a a South Ford Falcon sedan and one's a Ford Falcon boot.","start":867.565,"end":872.305,"sentiment":"neutral","sentiment_score":0.03731583474347225},{"text":"What what?","start":878.26,"end":880.26,"sentiment":"neutral","sentiment_score":-0.02894407045096159},{"text":"Resale value or buy new?","start":880.26,"end":883.16,"sentiment":"neutral","sentiment_score":-0.026258352771401407},{"text":"Well, yeah, they don't even make them anymore.","start":891.675,"end":894.575,"sentiment":"neutral","sentiment_score":-0.1608491586521268}],"sentiment":"neutral","sentiment_score":-0.032441330045975485,"num_words":29,"start":862.67,"end":894.575},{"sentences":[{"text":"It's 2,000 both mine's a 2,012 model and Camilla's is 13.","start":896.875,"end":902.89496,"sentiment":"neutral","sentiment_score":-0.02298606610433622},{"text":"So I suppose if you could get over over $10 for them.","start":902.955,"end":909.86,"sentiment":"neutral","sentiment_score":-0.02875682261462013},{"text":"8 to 10 maybe.","start":910.0,"end":911.22003,"sentiment":"neutral","sentiment_score":-0.0054054028587415814},{"text":"I I think the fact that these are not being made and You could get a little bit more for them?","start":911.76,"end":918.08,"sentiment":"neutral","sentiment_score":-0.039546318840058076},{"text":"Yeah.","start":918.08,"end":918.56,"sentiment":"neutral","sentiment_score":0.0271078459918499}],"sentiment":"neutral","sentiment_score":-0.029039082849132165,"num_words":49,"start":896.875,"end":918.56},{"sentences":[{"text":"Because So and they're both in And they're both in bilingual condition.","start":918.56,"end":925.815,"sentiment":"neutral","sentiment_score":0.21409985283389688},{"text":"Not in not not of that nature.","start":942.35004,"end":944.61,"sentiment":"neutral","sentiment_score":-0.06821233353444509},{"text":"No.","start":944.67004,"end":945.17004,"sentiment":"neutral","sentiment_score":-0.03582148626446724},{"text":"Let me check contents.","start":957.255,"end":958.235,"sentiment":"neutral","sentiment_score":-0.009170447941869497},{"text":"What the value of content?","start":960.36,"end":961.74,"sentiment":"neutral","sentiment_score":-0.009545603208243847}],"sentiment":"neutral","sentiment_score":0.06798208983422353,"num_words":29,"start":918.56,"end":961.74},{"sentences":[{"text":"What did you put down for the value of content when you did something?","start":963.56,"end":967.02,"sentiment":"neutral","sentiment_score":-0.023332067765295506},{"text":"I mean, the the funniest thing about doing that day and age, it's stuff's only worth what people are willing to pay.","start":967.96,"end":975.535,"sentiment":"neutral","sentiment_score":-0.05269533057104458},{"text":"So you know what I mean?","start":975.535,"end":977.855,"sentiment":"neutral","sentiment_score":-0.034658705505232014},{"text":"Like, we might have, you know, like, a TV that we paid, you know, 1,200 for, and then five months down the track, it might be worth $50 to someone.","start":977.855,"end":987.055,"sentiment":"neutral","sentiment_score":-0.010919409058988094},{"text":"You know?","start":987.055,"end":987.535,"sentiment":"neutral","sentiment_score":-0.01654729712754488}],"sentiment":"neutral","sentiment_score":-0.027764531355854626,"num_words":74,"start":963.56,"end":987.535},{"sentences":[{"text":"Like, it's and I mean, people these days tend to wanna wanna buy new.","start":987.535,"end":993.26,"sentiment":"neutral","sentiment_score":-0.003361005535615342},{"text":"So yeah.","start":993.8,"end":996.14,"sentiment":"neutral","sentiment_score":0.011744219809770584},{"text":"Yes.","start":1013.655,"end":1013.88,"sentiment":"neutral","sentiment_score":-0.008001791313290596},{"text":"Yes.","start":1025.0,"end":1025.5,"sentiment":"neutral","sentiment_score":0.021587034687399864},{"text":"Yes.","start":1025.8,"end":1026.3,"sentiment":"neutral","sentiment_score":0.02410384826362133}],"sentiment":"neutral","sentiment_score":0.0007433396715082621,"num_words":19,"start":987.535,"end":1026.3},{"sentences":[{"text":"So yeah.","start":1027.24,"end":1027.88,"sentiment":"neutral","sentiment_score":-0.003079398535192013},{"text":"No.","start":1027.88,"end":1028.12,"sentiment":"neutral","sentiment_score":-0.10488827526569366},{"text":"I wouldn't put it in any higher than that then.","start":1028.12,"end":1030.755,"sentiment":"neutral","sentiment_score":-0.12095990777015686},{"text":"I don't think that question came up.","start":1040.575,"end":1042.575,"sentiment":"neutral","sentiment_score":-0.12553554560456956},{"text":"It must have at some point.","start":1042.575,"end":1044.36,"sentiment":"neutral","sentiment_score":-0.1025794434050719}],"sentiment":"neutral","sentiment_score":-0.10826429345000249,"num_words":26,"start":1027.24,"end":1044.36},{"sentences":[{"text":"I'll have to ring this.","start":1045.94,"end":1047.08,"sentiment":"neutral","sentiment_score":-0.004815275408327579},{"text":"Oh, what were you gonna say, Dana?","start":1047.62,"end":1050.6,"sentiment":"neutral","sentiment_score":-0.009226374328136444},{"text":"Yep.","start":1057.62,"end":1058.12,"sentiment":"neutral","sentiment_score":0.07273530960083008},{"text":"Okay.","start":1058.1799,"end":1058.6799,"sentiment":"neutral","sentiment_score":0.0680345743894577},{"text":"Alright.","start":1078.3301,"end":1078.8301,"sentiment":"neutral","sentiment_score":0.09915964305400848}],"sentiment":"neutral","sentiment_score":0.010084568647046883,"num_words":15,"start":1045.94,"end":1078.8301},{"sentences":[{"text":"That's part of it.","start":1082.3301,"end":1083.4701,"sentiment":"neutral","sentiment_score":0.1220132764428854},{"text":"Let me pay.","start":1085.05,"end":1085.9501,"sentiment":"neutral","sentiment_score":0.11135916908582051},{"text":"Yeah.","start":1113.8,"end":1114.3,"sentiment":"neutral","sentiment_score":0.028343182057142258},{"text":"It did ask for an average.","start":1114.4401,"end":1116.095,"sentiment":"neutral","sentiment_score":0.009299812838435173},{"text":"And I think I put down I think I put down about 1,200 because it literally, like, one pay here was, like, 1,158, and then the next one was, like, 1,380.","start":1118.235,"end":1133.21,"sentiment":"neutral","sentiment_score":0.006360400329163718}],"sentiment":"neutral","sentiment_score":0.024521001829351817,"num_words":45,"start":1082.3301,"end":1133.21},{"sentences":[{"text":"And then but yeah.","start":1133.6699,"end":1135.91,"sentiment":"neutral","sentiment_score":-0.008963000494986773},{"text":"So there was, you know, it was up and down, up and down.","start":1135.91,"end":1139.21,"sentiment":"neutral","sentiment_score":-0.02099031639786867},{"text":"Yes.","start":1157.6849,"end":1157.94,"sentiment":"neutral","sentiment_score":0.25569307804107666},{"text":"Yes.","start":1188.67,"end":1189.17,"sentiment":"neutral","sentiment_score":0.11098678410053252},{"text":"No.","start":1198.1901,"end":1198.6901,"sentiment":"neutral","sentiment_score":-0.05960110202431679}],"sentiment":"neutral","sentiment_score":-0.00008236775174737045,"num_words":20,"start":1133.6699,"end":1198.6901},{"sentences":[{"text":"But, Dana, we don't have a copy of that application.","start":1199.8049,"end":1202.225,"sentiment":"neutral","sentiment_score":-0.13091245703399182},{"text":"Sorry.","start":1202.5249,"end":1202.9249,"sentiment":"neutral","sentiment_score":-0.07233400642871857},{"text":"So we're just gonna so can you remember, was it, like, 2,005 thousand, like, for the value?","start":1202.9249,"end":1211.105,"sentiment":"neutral","sentiment_score":-0.027032109196571744},{"text":"What we put down?","start":1211.885,"end":1213.105,"sentiment":"neutral","sentiment_score":-0.04438412096351385},{"text":"Alright.","start":1213.885,"end":1214.385,"sentiment":"neutral","sentiment_score":-0.011997620575129986}],"sentiment":"neutral","sentiment_score":-0.06153147083453157,"num_words":33,"start":1199.8049,"end":1214.385},{"sentences":[{"text":"She probably won't know.","start":1218.76,"end":1219.96,"sentiment":"neutral","sentiment_score":-0.07015718147158623},{"text":"She's there.","start":1219.96,"end":1220.78,"sentiment":"neutral","sentiment_score":-0.046598583459854126},{"text":"I can get ahold of my sister and get a because Vindisi would have saved that.","start":1225.08,"end":1229.8,"sentiment":"neutral","sentiment_score":0.11698314407840371},{"text":"I don't think she would have deleted it because it's she deals direct with Centrelink anyway.","start":1229.8,"end":1234.205,"sentiment":"neutral","sentiment_score":0.0013500560307875276},{"text":"And yes.","start":1240.105,"end":1240.745,"sentiment":"neutral","sentiment_score":0.018364432267844677}],"sentiment":"neutral","sentiment_score":0.0389058543369174,"num_words":40,"start":1218.76,"end":1240.745},{"sentences":[{"text":"Because I had to go on the Wi Fi to do it.","start":1240.745,"end":1242.96,"sentiment":"neutral","sentiment_score":0.012281319592148066},{"text":"Okay.","start":1264.4349,"end":1264.9349,"sentiment":"neutral","sentiment_score":0.08736036717891693},{"text":"Yes.","start":1271.475,"end":1271.875,"sentiment":"neutral","sentiment_score":0.10904115438461304},{"text":"Yep.","start":1271.875,"end":1272.18,"sentiment":"neutral","sentiment_score":0.1269187182188034},{"text":"Okay.","start":1288.875,"end":1289.375,"sentiment":"neutral","sentiment_score":0.1322634518146515}],"sentiment":"neutral","sentiment_score":0.0376849704189226,"num_words":16,"start":1240.745,"end":1289.375},{"sentences":[{"text":"Yeah.","start":1331.52,"end":1332.02,"sentiment":"neutral","sentiment_score":0.024754181504249573},{"text":"But that would be stand along, would it?","start":1332.24,"end":1334.3401,"sentiment":"neutral","sentiment_score":0.02248815819621086},{"text":"Yep.","start":1406.995,"end":1407.3151,"sentiment":"neutral","sentiment_score":0.15937283635139465},{"text":"That's fine.","start":1407.3151,"end":1408.115,"sentiment":"positive","sentiment_score":0.4985978305339813},{"text":"Perfect.","start":1408.115,"end":1408.53,"sentiment":"positive","sentiment_score":0.8134440183639526}],"sentiment":"neutral","sentiment_score":0.16728245868132666,"num_words":13,"start":1331.52,"end":1408.53},{"sentences":[{"text":"Thank you, Dana.","start":1408.61,"end":1409.51,"sentiment":"positive","sentiment_score":0.7705969015757242},{"text":"Perfect.","start":1450.12,"end":1450.52,"sentiment":"positive","sentiment_score":0.6469576358795166},{"text":"Thanks.","start":1450.52,"end":1450.935,"sentiment":"positive","sentiment_score":0.610904335975647},{"text":"I don't think so.","start":1461.015,"end":1462.3151,"sentiment":"neutral","sentiment_score":-0.12163966707885265},{"text":"Yes.","start":1472.87,"end":1473.37,"sentiment":"neutral","sentiment_score":0.1568109691143036}],"sentiment":"neutral","sentiment_score":0.32399049773812294,"num_words":10,"start":1408.61,"end":1473.37},{"sentences":[{"text":"Yes.","start":1534.15,"end":1534.605,"sentiment":"neutral","sentiment_score":0.1764872670173645},{"text":"Yes.","start":1535.005,"end":1535.505,"sentiment":"neutral","sentiment_score":0.21060484647750857},{"text":"Years ago with BHP, but that was it.","start":1566.015,"end":1574.255,"sentiment":"neutral","sentiment_score":0.015643250197172165},{"text":"No.","start":1574.255,"end":1574.655,"sentiment":"neutral","sentiment_score":-0.0686650276184082},{"text":"I was just gonna say I think we may have a few AMP.","start":1574.655,"end":1580.72,"sentiment":"neutral","sentiment_score":-0.033582477615429804}],"sentiment":"neutral","sentiment_score":0.0002917032688856123,"num_words":24,"start":1534.15,"end":1580.72},{"sentences":[{"text":"I think there's, like it's only a really nominal amount.","start":1583.1,"end":1586.62,"sentiment":"neutral","sentiment_score":-0.046100161224603656},{"text":"It was way like it was almost, like, a hundred years ago when it they automatically went into a share thing, and I can't don't even remember, like, what the circumstances were, but it was, like, literally only, like, about 1,200 or something shares.","start":1586.62,"end":1608.0701,"sentiment":"neutral","sentiment_score":-0.052125671158798716},{"text":"So it's only one nominal, like I don't even know if we even earn anything on them.","start":1609.0901,"end":1616.05,"sentiment":"neutral","sentiment_score":-0.05103455900269396},{"text":"But I suppose you would be.","start":1616.05,"end":1618.5449,"sentiment":"neutral","sentiment_score":-0.04225077790518602},{"text":"If they're sitting there like, they have been just sitting there in the background for, like, years.","start":1618.745,"end":1623.965,"sentiment":"neutral","sentiment_score":-0.0639940338099704}],"sentiment":"neutral","sentiment_score":-0.05280342434552756,"num_words":94,"start":1583.1,"end":1623.965},{"sentences":[{"text":"This is interesting.","start":1627.865,"end":1628.845,"sentiment":"neutral","sentiment_score":0.0021987464278936386},{"text":"I didn't know that.","start":1628.905,"end":1630.045,"sentiment":"neutral","sentiment_score":-0.06265358161181211},{"text":"I know I Don't even think about them because it was something that we never ever, like, you know, went out and actively obtained.","start":1630.38,"end":1640.78,"sentiment":"neutral","sentiment_score":-0.09863401142259438},{"text":"You know what I mean?","start":1640.78,"end":1641.66,"sentiment":"neutral","sentiment_score":-0.08809315413236618},{"text":"Like, it was but it's I think it had to do with change of change of I don't know.","start":1641.66,"end":1649.745,"sentiment":"neutral","sentiment_score":-0.11155241335693158}],"sentiment":"neutral","sentiment_score":-0.09402174519544299,"num_words":55,"start":1627.865,"end":1649.745},{"sentences":[{"text":"What do we have what do we have with AMP?","start":1649.745,"end":1651.6849,"sentiment":"neutral","sentiment_score":-0.05897933393716812},{"text":"We just had a the AMP Bank.","start":1651.745,"end":1653.6849,"sentiment":"neutral","sentiment_score":-0.04561288761241095},{"text":"Because we had money in the AMP Bank.","start":1654.625,"end":1656.86,"sentiment":"neutral","sentiment_score":-0.05696962121874094},{"text":"But That was a new I know.","start":1657.4,"end":1659.16,"sentiment":"neutral","sentiment_score":-0.11232075520924159},{"text":"That was yeah.","start":1659.16,"end":1659.88,"sentiment":"neutral","sentiment_score":-0.06453182299931844}],"sentiment":"neutral","sentiment_score":-0.0669908936534609,"num_words":35,"start":1649.745,"end":1659.88},{"sentences":[{"text":"It was a 100 years ago.","start":1659.88,"end":1661.34,"sentiment":"neutral","sentiment_score":-0.06110538045565287},{"text":"The I'll see what I can I'll see what I can find out for you.","start":1662.36,"end":1668.14,"sentiment":"neutral","sentiment_score":0.06854470670223237},{"text":"Yeah.","start":1668.225,"end":1668.725,"sentiment":"neutral","sentiment_score":0.22604745626449585},{"text":"Would have been the eight It's, like, from the eighties, I think, or it's like before you were born.","start":1678.465,"end":1687.8999,"sentiment":"neutral","sentiment_score":0.03553349691394128},{"text":"You're only a baby.","start":1697.1599,"end":1698.2999,"sentiment":"neutral","sentiment_score":-0.05698290839791298}],"sentiment":"neutral","sentiment_score":0.0296620129297177,"num_words":45,"start":1659.88,"end":1698.2999},{"sentences":[{"text":"Alright.","start":1714.6799,"end":1715.1799,"sentiment":"neutral","sentiment_score":0.07577446103096008},{"text":"Yeah.","start":1717.7999,"end":1718.2999,"sentiment":"neutral","sentiment_score":0.008956048637628555},{"text":"Which would be me in it.","start":1718.36,"end":1719.72,"sentiment":"neutral","sentiment_score":-0.03660752562185129},{"text":"I don't think so.","start":1719.72,"end":1721.02,"sentiment":"neutral","sentiment_score":-0.12197975255548954},{"text":"He's probably on of 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else.","start":1853.205,"end":1864.4,"sentiment":"neutral","sentiment_score":-0.029684447723886242}],"sentiment":"neutral","sentiment_score":0.03135744428360149,"num_words":38,"start":1798.1599,"end":1864.4},{"sentences":[{"text":"So Yes.","start":1864.4,"end":1891.2,"sentiment":"neutral","sentiment_score":0.04544105380773544},{"text":"It's hard to say.","start":1912.165,"end":1913.225,"sentiment":"neutral","sentiment_score":-0.2602902613580227},{"text":"The world's crazy at the moment.","start":1915.27,"end":1917.05,"sentiment":"negative","sentiment_score":-0.37796393036842346},{"text":"Yeah.","start":1917.11,"end":1917.61,"sentiment":"neutral","sentiment_score":-0.07594337314367294},{"text":"More busy than one bloke.","start":1919.59,"end":1920.97,"sentiment":"neutral","sentiment_score":-0.2403060406446457}],"sentiment":"neutral","sentiment_score":-0.24975200535522568,"num_words":18,"start":1864.4,"end":1920.97},{"sentences":[{"text":"I guess, you know, like, at the end of the day, 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it?","start":2213.11,"end":2220.155,"sentiment":"neutral","sentiment_score":-0.12804185657909042},{"text":"Yep.","start":2259.5352,"end":2260.0151,"sentiment":"positive","sentiment_score":0.36746305227279663},{"text":"Perfect.","start":2260.0151,"end":2260.47,"sentiment":"positive","sentiment_score":0.6371654272079468},{"text":"Yeah.","start":2301.78,"end":2302.26,"sentiment":"neutral","sentiment_score":0.19483046233654025},{"text":"Perfect.","start":2302.26,"end":2302.76,"sentiment":"positive","sentiment_score":0.5120527148246765}],"sentiment":"neutral","sentiment_score":-0.03136015732003295,"num_words":23,"start":2213.11,"end":2302.76},{"sentences":[{"text":"Can I Can I get a Wednesday?","start":2302.845,"end":2310.865,"sentiment":"neutral","sentiment_score":0.16244601884058543},{"text":"Yeah.","start":2322.19,"end":2322.59,"sentiment":"neutral","sentiment_score":0.02066049724817276},{"text":"Or even a bit earlier, 10:00.","start":2322.59,"end":2325.57,"sentiment":"neutral","sentiment_score":0.029549235788484413},{"text":"Is that your lunch time?","start":2328.03,"end":2329.95,"sentiment":"neutral","sentiment_score":0.04503332525491714},{"text":"Like oh, sorry.","start":2329.95,"end":2330.99,"sentiment":"neutral","sentiment_score":-0.019305238500237465}],"sentiment":"neutral","sentiment_score":0.06828767975622957,"num_words":22,"start":2302.845,"end":2330.99},{"sentences":[{"text":"That's it is your lunch time.","start":2330.99,"end":2332.775,"sentiment":"neutral","sentiment_score":-0.006483682314865291},{"text":"Sorry.","start":2339.1523,"end":2339.6523,"sentiment":"neutral","sentiment_score":0.07073270529508591},{"text":"Yep.","start":2348.43,"end":2348.93,"sentiment":"neutral","sentiment_score":0.07803116738796234},{"text":"Yep.","start":2358.43,"end":2358.91,"sentiment":"neutral","sentiment_score":0.07379474490880966},{"text":"Perfect.","start":2358.91,"end":2359.41,"sentiment":"neutral","sentiment_score":0.20307469367980957}],"sentiment":"neutral","sentiment_score":0.03867312173824757,"num_words":10,"start":2330.99,"end":2359.41},{"sentences":[{"text":"So that's ten o Alcon.","start":2359.9949,"end":2362.255,"sentiment":"neutral","sentiment_score":0.1604621469974518},{"text":"Ten Alcon.","start":2362.315,"end":2365.6748,"sentiment":"neutral","sentiment_score":0.09845147281885147},{"text":"Beautiful.","start":2365.6748,"end":2366.1748,"sentiment":"positive","sentiment_score":0.4428390264511109},{"text":"Yep.","start":2367.115,"end":2367.615,"sentiment":"neutral","sentiment_score":0.15217585861682892},{"text":"Thank you, Diana.","start":2367.835,"end":2368.815,"sentiment":"positive","sentiment_score":0.39076219002405804}],"sentiment":"neutral","sentiment_score":0.23054292798042297,"num_words":12,"start":2359.9949,"end":2368.815},{"sentences":[{"text":"Thank you.","start":2393.5752,"end":2394.395,"sentiment":"neutral","sentiment_score":0.28523389250040054},{"text":"Yeah.","start":2394.5352,"end":2394.935,"sentiment":"neutral","sentiment_score":0.0624428428709507},{"text":"Bart used Bart used to do that for us.","start":2394.935,"end":2400.78,"sentiment":"neutral","sentiment_score":0.005828423839476373},{"text":"Yeah.","start":2406.78,"end":2407.28,"sentiment":"neutral","sentiment_score":0.011326473206281662},{"text":"He didn't sit in the now.","start":2407.82,"end":2409.84,"sentiment":"neutral","sentiment_score":-0.00174135179258883}],"sentiment":"neutral","sentiment_score":0.03611814762514673,"num_words":19,"start":2393.5752,"end":2409.84},{"sentences":[{"text":"Otherwise, you don't.","start":2423.735,"end":2425.0352,"sentiment":"neutral","sentiment_score":-0.0858972817659378},{"text":"Perfect.","start":2454.405,"end":2454.885,"sentiment":"positive","sentiment_score":0.7310689687728882},{"text":"Thank you so much.","start":2454.885,"end":2456.1,"sentiment":"positive","sentiment_score":0.8299916982650757},{"text":"Thank you, Dana.","start":2456.1802,"end":2457.0,"sentiment":"positive","sentiment_score":0.8075193961461385},{"text":"Thank you.","start":2464.98,"end":2465.8,"sentiment":"positive","sentiment_score":0.8061624765396118}],"sentiment":"positive","sentiment_score":0.6021713121579244,"num_words":13,"start":2423.735,"end":2465.8},{"sentences":[{"text":"Absolutely.","start":2469.759,"end":2470.259,"sentiment":"positive","sentiment_score":0.6267428398132324},{"text":"Thank you, Jenna.","start":2470.719,"end":2471.5989,"sentiment":"positive","sentiment_score":0.6722546815872192},{"text":"Bye bye.","start":2471.5989,"end":2472.3389,"sentiment":"neutral","sentiment_score":0.29780128598213196},{"text":"Bye.","start":2473.5989,"end":2474.0989,"sentiment":"neutral","sentiment_score":-0.08660103380680084}],"sentiment":"positive","sentiment_score":0.4503583461046219,"num_words":7,"start":2469.759,"end":2474.0989}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hey, Neil. It's Dana from Oakview Financial. How are you?\n\nChannel 1: Sorry about that. I slept in.\n\nChannel 0: Oh, you're fine. You're not a problem at all. I'm running a little bit late today as well, so do not worry in any way, shape, or form.\n\nChannel 1: Alright.\n\nChannel 0: All good. I had you booked in just to have a bit of a follow-up conversation from our chat last week. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. And just to do security, we're just discussing your personal information. So I'll get you to confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Neil Owen, '2\n\nChannel 0: Yep.\n\nChannel 1: 05 up or 16 Paper Bar close point up.\n\nChannel 0: Perfect. Thank you so much for that. How did you go with the application for Centrelink? Is it all submitted now?\n\nChannel 1: Yeah. It's going in. I haven't heard\n\nChannel 0: Yep.\n\nChannel 1: anything. I just received a email this morning. There was an email this morning that I got my senior's card.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: So things are rolling along. I gotta still\n\nChannel 0: Yeah.\n\nChannel 1: go to my sister's place and do some more. So, yeah, I gotta do the DOT one where I get\n\nChannel 0: Okay.\n\nChannel 1: registration and licensing and that sort of stuff.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So, yeah, it's flooding along. It's I don't get it till June anyway, so I I I suppose I can't use them until I actually get my pension. I'm not sure how it works.\n\nChannel 0: Well, the seniors card should all work now. If you've got\n\nChannel 1: Alright.\n\nChannel 0: it, you're eligible for it. So you should be fine to use that now. It's\n\nChannel 1: Yep.\n\nChannel 0: more just the health care card that comes with having age pension. That all kind of comes through once you've got the approval.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Fantastic. It's all moving along. That's really good to hear. With your are you needing to sort of take anything out of super at the moment?\n\nAre you just wanting to leave everything in super and have it continue to grow for the moment? Or what's your thoughts with super?\n\nChannel 1: I've got my wife here.\n\nChannel 0: Yeah.\n\nChannel 1: Hi, Dana. I'm Camilla. How\n\nChannel 0: Hi.\n\nChannel 1: are you going?\n\nChannel 0: I'm lovely to meet you. How are you?\n\nChannel 1: Good.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Look. I guess, Dana, our main thing probably is getting advice on whether we, like, we get a payout figure and pay off the last bit of the month.\n\nChannel 0: Okay. Yes.\n\nChannel 1: Yeah. I think that's probably our thing at\n\nChannel 0: Okay.\n\nChannel 1: the\n\nChannel 0: Yeah. I can do that.\n\nChannel 1: moment. And and also, I suppose once once we know well, other what people do what they normally do is do you normally do they normally draw, like, a part part sort of a a weight off of the super to the amount, you know, like to I don't know. What what do people normally do?\n\nChannel 0: Yeah. So there's a couple of things. It really just depends on the circumstances you guys are at. So what we can do with the advice is we can focus on drawing out what you guys need to pay down the mortgage completely. I'll just get used to if you can describe me, like, a a statement or a payout figure.\n\nThere's something showing how much you have owing left on the mortgage, and we can look at doing that.\n\nChannel 1: Yep.\n\nChannel 0: The benefit of doing it that way is that whilst you are taking a little bit out of Neil's Super at the moment, you're putting it onto the mortgage. And the mortgage for Centrelink purposes is all the houses exempt. So that money going on to pay down the mortgage is going towards the property, which exempts that money, which reduces a little bit of the super so you can update your balance with Centrelink, and that should hopefully help to increase the benefit amount a little bit. But when it comes to drawing down, what we kinda wanna look at is what do you need to live on on a weekly basis or a fortnightly basis depending on your circumstances, how much you're bringing home on a regular basis from work, but then also how much you're getting from or how much you're gonna get from Centrelink, and then we can work out how much you need to draw down from Super to replenish that income amount if that makes sense.\n\nChannel 1: Yes. It does. Yep.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Alright.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: with you're right. Sorry.\n\nChannel 1: no. I was just gonna say, so for the moment, it's if I get a I'll get the a statement from from the bank.\n\nChannel 0: Yep.\n\nChannel 1: And then yeah. Well, I mean, I'm still getting a a fortnightly wage, but it's probably not gonna be enough for us to live as we have been living, if you know what I mean. You know, like\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: we certainly don't wanna go into it sort of having to think, you know, from week to week. Oh my god. We're just getting we've just got enough to to survive. You know what I mean?\n\nChannel 0: Yeah. Yes.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: yeah. So I guess it it we have to also wait to see then how much it's going to actually get as a pension. So\n\nChannel 0: Not not necessarily. We can organize and start drawing some money down now. So the advice will take me about a week or two just to put together. So I would probably book you guys back in for another appointment in two weeks to go to the advice.\n\nChannel 1: yep.\n\nChannel 0: I can look at now what you guys need to live on, and we can start by drawing a higher level of income now. And then I can even, as part of the advice, factor in the Centrelink side of things for you\n\nChannel 1: Okay.\n\nChannel 0: and estimate how much you're expected to get and then work out when you get that Centrelink how much we can reduce the drawdowns from Superbuy so we can\n\nChannel 1: Yep.\n\nChannel 0: alter that down the track. And then when you actually get Centrelink, we'll just reconfirm the amount in case it's a bit of a discrepancy, which can happen because I do everything manually, and they use the computer to do all their information. So\n\nChannel 1: Yep.\n\nChannel 0: if if you're comfortable with me doing it that way, I don't wanna put too much out there and make it too over complex, but there's a lot that I can sort of do in this space to help you guys out a little bit\n\nChannel 1: Yep.\n\nChannel 0: and factoring in those differences over the next few months if that's easier for you.\n\nChannel 1: Yep. Yes, please.\n\nChannel 0: Yeah? Perfect. So how much do you need how much do you guys think you need to live on on, say, a weekly basis at the moment\n\nChannel 1: Oh, gosh.\n\nChannel 0: or a fortnightly basis? Sorry.\n\nChannel 1: Well, on a fortnightly basis, just, you\n\nChannel 0: Yeah.\n\nChannel 1: know, like like, as a normal, just living with that with bills or is that taking into consideration, you know, like because we've both we've both got, like, private health cover. We've got,\n\nChannel 0: Mhmm.\n\nChannel 1: you know, obviously, things like rates, motor vehicle, home and contents insurance, regos, vet\n\nChannel 0: Mhmm.\n\nChannel 1: bills.\n\nChannel 0: Yes. Yeah. So, yeah, we wanna sort of understand how much you need to how much you both need to earn together to cover all your regular living expenses, your, you know, currently, your mortgage payments, that'll all change shortly. But\n\nChannel 1: Yep.\n\nChannel 0: if we factor that in now, even when you pay down the mortgage, that little bit of extra money can help to, you know, provide your eating out or be put away as savings for something down the track.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. The other thing I can do is, if you like, is I could send you through a a budget planner if you wanted to sit down and maybe go through those expenses and add them into the budget plan to just see what your living comes out like.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Would that be something you'd be open to doing? Or\n\nChannel 1: Sure. Yeah. Yeah. Absolutely.\n\nChannel 0: yeah. Yeah. Perfect. Just so I understand how much you need to live on on a weekly basis, and then I can sort of factor in your wage, And then we can work out how much the drawdown from super needs to be.\n\nChannel 1: Alright.\n\nChannel 0: What I would probably also wanna look at doing, Neil, if you're comfortable, is moving at the moment, you're in accumulation phase. And because you're applying for age pension when you turn 67, all of that is fully accessible. So I probably wanna look at moving you out of the accumulation phase and into the pension phase because inside pension phase, there's no income tax and no capital gains. So you're actually saving money by sitting in pension phase as well as drawing down a regular income. Are you open to me looking at that for you as well, Neil?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Beautiful.\n\nChannel 1: I when I was doing the pension, the the lady, Vanessa, who did did it for me, she said, oh, you can\n\nChannel 0: Yeah.\n\nChannel 1: actually you're allowed to work.\n\nChannel 0: Yep.\n\nChannel 1: She said you\n\nChannel 0: Yep.\n\nChannel 1: do twenty hours a week.\n\nChannel 0: Yep. Yay. So they give you you have, like, the work of the work bonus. And so if you do get a job and you are working a certain amount of hours on a a fortnightly basis, they give you a separate assessment. So they reduce the amount of work that or the the money you receive.\n\nThey assess it slightly differently. And if you're not if you work for a few weeks and don't work for a few weeks, then you accumulate that work bonus there. So you can do some work. There are limitations around how much you can earn and how much you can work and things like that. But, yeah, she's exactly right.\n\nYou absolutely can take on a little bit of work if you want to. Yeah.\n\nChannel 1: Alright. Something to look for for Apple?\n\nChannel 0: Look forward to absolutely. Absolutely. So what I'll do after the call, if you like, I'll send you an email. If you can send through a copy of the updated statement showing how much you need to draw to cover the cost of the mortgage, just make that free and clear.\n\nChannel 1: Yep.\n\nChannel 0: And I will also send you the budget planner. So if you can just confirm for me just go through, fill it out together. I would suggest that I have a cup of tea, sit down, talk it through, have a bit of a look at what's regularly coming out. And the good thing about the budget plan that we use is that it doesn't matter if your bills come out weekly, fortnightly, monthly, or quarterly. You can work out how much you pay for each of those, and the tab, actually, you can change it.\n\nSo one bill might be weekly, one bill might be six monthly,\n\nChannel 1: Okay.\n\nChannel 0: one bill might be yearly. And you can change the tabs, and it automatically recalculates it for you to either a\n\nChannel 1: Yes.\n\nChannel 0: fortnightly or monthly amount to make it a little bit more consistent for you guys. Okay?\n\nChannel 1: Good. Yep.\n\nChannel 0: Beautiful. And can I double check your income? You mentioned that you are working a little bit at the moment, that you are still bringing home an income. Did you want me to maybe factor that into reduce that from the amount you guys need to live on and how much Neil needs to draw out of super? Or did you wanna just keep your income as a secondary a bit of bonus income for, you know, incidentals or fun?\n\nChannel 1: I I think so. Because I'm I'm literally, I'm permanent part time. So\n\nChannel 0: Yep.\n\nChannel 1: my my wage fortnightly wage sort of does fluctuate a little bit\n\nChannel 0: Okay.\n\nChannel 1: depending on yeah. I'm a I'm a travel agent, and so\n\nChannel 0: Yeah.\n\nChannel 1: I'll spend a little bit on on commissions. And, yeah, it depends on on how, you know, business week or business\n\nChannel 0: Yep.\n\nChannel 1: fortnight,\n\nChannel 0: Yeah.\n\nChannel 1: so to\n\nChannel 0: Yep.\n\nChannel 1: speak, as how much I get. So, yeah, maybe maybe leave mine as a as a, yeah, as a bonus, I think.\n\nChannel 0: As a bonus yeah. No. That's fantastic. And Neil may have mentioned that you've got a trip coming up in a few months to Europe.\n\nChannel 1: Yes. Yes. Back back to\n\nChannel 0: No. That's fantastic. As much as it's probably a hardship, I hope you enjoy it as well. It sounds amazing.\n\nChannel 1: yeah. We do rewarded pretty well.\n\nChannel 0: Yeah. No. That is fantastic. It's always good to have employers that look after you. We all work so hard.\n\nChannel 1: Yeah.\n\nChannel 0: All good. Well, what I'll do that's perfectly fine. So I can do that. If you were to sort of put your income into maybe just a regular amount, How much would you say you do get on a regular basis? Just the one sort of updating everything in the back end for you guys as well.\n\nChannel 1: Yeah. So, like, just like an average fortnight?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. Probably, it look because it can range anywhere from probably around 1,300 to $2.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Somewhere in the middle of that would would give a fairly decent average.\n\nChannel 0: Yep. Beautiful. Fantastic. And I'm just trying to pull up the this isn't working for me. I'm just trying to have a look at what I had down here for assets and liabilities as well just to sort of see if everything is still on track from where we had it last time, but it's not really working for me today.\n\nI love the technology. What I'll do the Excel spreadsheet is not opening for me, so I just wanna go through and update all of your assets and liabilities there as well. Just checking what I've got here. The current value of the house, what would you guys put down for current value of the house?\n\nChannel 1: We had it valued a few years ago, and that was around $6.50.\n\nChannel 0: Yep. Perfect. Beautiful. I can always double check some of the research material we have here if you like and just sort of reconfirm the address and what average value some of the research material might place in it for you. Beautiful.\n\nAnd we're gonna get an updated mortgage statement, which shows the balance. So I can just leave that one blank for the moment.\n\nChannel 1: Yeah.\n\nChannel 0: Other assets that we have down, how many cars do you have?\n\nChannel 1: Two.\n\nChannel 0: Beautiful. And what sort of cars are they?\n\nChannel 1: One's a a South Ford Falcon sedan and one's a\n\nChannel 0: Yep.\n\nChannel 1: Ford Falcon boot.\n\nChannel 0: Thousand cent and a Ford. Beautiful. And what sort of value would you put on each of those vehicles?\n\nChannel 1: What what? Resale value or buy new?\n\nChannel 0: What just value to use if you guys had to sell those vehicles tomorrow, what's the value would you put on it? What would you want for it?\n\nChannel 1: Well, yeah, they don't even make them anymore. It's 2,000 both mine's a 2,012 model and Camilla's\n\nChannel 0: Mhmm.\n\nChannel 1: is 13. So I suppose if you could get over over $10 for them. 8 to 10 maybe.\n\nChannel 0: Yeah.\n\nChannel 1: I I think\n\nChannel 0: For eight of them.\n\nChannel 1: the fact that these are not being made and You could get a little bit more for them? Yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: So and they're both\n\nChannel 0: That's\n\nChannel 1: in\n\nChannel 0: perfect.\n\nChannel 1: And they're both in bilingual condition.\n\nChannel 0: Yeah. Beautiful. Excellent. And you own them both out. Right?\n\nThere's no loans on either of those vehicles? Nope. Perfect. Excellent. Any other assets that may you may have there?\n\nAny other cars, boats, caravans, anything else of value?\n\nChannel 1: Not in not not of that nature. No.\n\nChannel 0: Nope. That's okay. Perfect. And contents. Did you what did you sort of have or noted for settling for content?\n\nChannel 1: Let me check contents. What the value of content?\n\nChannel 0: Yeah.\n\nChannel 1: What did you put down for the value of content when you did something? I mean, the the funniest thing about doing that day and age, it's stuff's only worth what people are willing to pay. So you know what I mean? Like, we might have, you know, like, a TV that we paid, you know, 1,200 for, and then five months down the track, it might be worth $50 to someone. You know?\n\nLike, it's\n\nChannel 0: Yes.\n\nChannel 1: and I mean, people these days tend to wanna wanna buy new. So\n\nChannel 0: Absolutely. What\n\nChannel 1: yeah.\n\nChannel 0: I'm not sure how you filled out the application for Centrelink, but when I normally help my clients do Centrelink applications, we normally look at making sure everything's on fire sale value. So for Centrelink purposes, we never value contents more than 10,000 for a couple.\n\nChannel 1: Yes.\n\nChannel 0: However, when you consider your content insurance, obviously, the the value of things is gonna be greatly higher. But we looked at FireSafe values for Centrelink valuation.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. No. I wouldn't put it in any higher than that then.\n\nChannel 0: Yep. Beautiful. Do you remember what if you'd put 10,000 or more on the content to send link to the application?\n\nChannel 1: I don't think that question came up. It must have at some point.\n\nChannel 0: Yeah.\n\nChannel 1: I'll have\n\nChannel 0: Do\n\nChannel 1: to ring\n\nChannel 0: you\n\nChannel 1: this.\n\nChannel 0: have\n\nChannel 1: Oh,\n\nChannel 0: yeah. Sorry.\n\nChannel 1: what were you gonna say, Dana?\n\nChannel 0: Do you have a breakdown or a copy of the application that was submitted?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah. If I was to as part of the email, if you could email me a copy of that, I can have a look at everything that's being submitted for you, and then I can kind of do the math, and that'll help with the advice and work out what the estimated Centrelink entitlement might look like for you guys.\n\nChannel 1: Alright. That's part of it.\n\nChannel 0: Yep.\n\nChannel 1: Let me pay.\n\nChannel 0: Perfect. So settling entitlement might look like. Beautiful. Yes. So I can run through and have a look at all the assets that you've noted, what the values are, work out the estimated entitlement for you.\n\nWhen Camilla, when it came to your income, did it ask for the average income you were earning on a regular basis, or did it what did it sort of ask you in relation to that?\n\nChannel 1: Yeah. It did ask for an average. And I think I put down I think I put down about 1,200\n\nChannel 0: Okay.\n\nChannel 1: because it literally, like, one pay here was, like, 1,158, and then the next one was, like, 1,380. And then but yeah. So there was, you know, it was up and down, up and down.\n\nChannel 0: Yeah. Yeah. Yeah. No. That's okay.\n\nNot a problem at all. What I'll get you to know if it's okay is I'll send you an email shortly there, Neil, just if you can grab me the statement. I'll send you, like, the budget plan to fill out, and please let me know if you have any trouble filling that out because I'm more than happy to, you know, talk you through it.\n\nChannel 1: Yes.\n\nChannel 0: And if you can send me just a copy of the the details on the Centrelink application, then I can kinda go forward, and I could do a review of your super. I can look at what you guys might be eligible for Centrelink wise. We can have a look at how to draw down the money so you can start living a little bit more and and getting that regular income draw down from Super as well. And I'll look at that full draw the the one off draw down as well for covering the mortgage. So that's free and clear and one less debt to worry about.\n\nIs there\n\nChannel 1: Yes.\n\nChannel 0: anything else goal wise in the medium term that might be important to to both of you that you might wanna access funds for in the short term?\n\nChannel 1: No. But, Dana, we don't have a copy of that application. Sorry. So we're just gonna\n\nChannel 0: That's\n\nChannel 1: so can you remember, was it, like, 2,005 thousand, like, for the value? What we put down? Alright. She probably won't know. She's there.\n\nChannel 0: That's okay. That's alright.\n\nChannel 1: I can get ahold of my sister and get a because Vindisi would have saved that. I don't think she would have deleted it because it's she deals direct with Centrelink anyway.\n\nChannel 0: Yeah. Was it done through your myGov account at all?\n\nChannel 1: And yes. Because I had to go on the Wi Fi to do it.\n\nChannel 0: Yep. Perfect. So if you guys log in to your MyGov account and go into the Centrelink section and go into current claims, in the email if you like, I will add the instructions on how to go in there. You can actually go in and save the application down, and you can sort of see all the all the questions that you answered. Do you want\n\nChannel 1: Okay.\n\nChannel 0: me to add the the instructions and know how to access that to save it down to maybe send that to me as well? Would that be okay?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Beautiful. If you get stuck with any of this, please let me know. Neil, you know you can call me at any time, and I'll always take the call or call you straight back. If you get stuck, have any questions, need any help finding anything, let me know.\n\nChannel 1: Okay.\n\nChannel 0: Okay? Beautiful. Excellent. Alright. We'll have a look at that.\n\nI'll go through the assets. So one for the basic advice, and then please tell me if I'm missing anything, is I'm looking at your super. What I'd like to probably also do, Neil, is I'm just sort of having a look at your investments inside super. I just also wanna maybe have a bit of a look at those and maybe redig them a little bit for you as well. I am sort of noticing that there is one investment in your super that has it's whilst it's still performing really well, has underperformed a little bit.\n\nSo I would like to maybe look at maneuvering that out and getting rid of it and replace it with something that's performing a bit better. It might also be a bit cheaper for you in investment fees. Would that be okay?\n\nChannel 1: Yeah. But\n\nChannel 0: Yep.\n\nChannel 1: that would be stand along, would it?\n\nChannel 0: It is Bennelong. Yes. Yeah. So would love to get rid of that one there. Has it is underperforming a little bit as an investment, so I would like to remove it out of there.\n\nTo give you a little bit of an idea, Banner Long is a managed fund, and they were more of an actively managed fund. So the investment manager there is trying to outperform against the market. And whilst we have seen these ups and downs with what's happening globally at the moment, the investment manager hasn't been able to do that. They've had some underlying issues. So we've gone back and had a little bit of a look.\n\nThere's actually some other investments which create better diversification, can help to lower the risk of your portfolio, but are also cheaper and have performed a bit better than banner longs. If you're comfortable with me making those changes for you, I'd love to swap that out, put something else in there that's making sure your portfolio is working better for you, maybe rebalance things a little bit for you as well just to make sure you're not taking on too much risk, and then also look at moving you into that pension phase, look at that one off drawdown, look at the regular income drawdowns for you, and, you know, see what we can do to help long term there. Is that okay?\n\nChannel 1: Yep. That's fine. Perfect. Thank you, Dana.\n\nChannel 0: You that's okay. It's not a problem. It's what I'm here for. Once I've got an idea of what your income looks like, I'll look at drawing down the income, then I'll also assess, you know, when you're able to start drawing that Centrelink, whether we can reduce the amount a little bit down or whether we don't. And I'll show you with the advice the same as last time.\n\nI'll outline it in an advice document, so we'll go through it together page by page. You can have a look at the recommendations. I'll run you through what I'm recommending, how and why, the advantages, disadvantages, the risks involved, and then you get to take it back, have a bit of a read over it. Let me know if you have any questions and decide what you're comfortable taking on board. How does that sound?\n\nChannel 1: Perfect. Thanks.\n\nChannel 0: Yes. Beautiful. Am I missing anything with regards to the advice structure? Is there anything else that you guys wanted me to include or add in there?\n\nChannel 1: I don't think so.\n\nChannel 0: No. That's okay. If anything comes up, you're welcome to let me know. The other thing I just wanted to sort of touch base on, Neil, is your risk profile as well. We\n\nChannel 1: Yes.\n\nChannel 0: did look at that last year. So with your profile, you're not in a high risk category at the moment, which is really good. That's what we wanna see. Investment wise, you're in a balanced growth environment. So that's where you generally see about 70% of your super invested in growth assets.\n\nSo I think things like Australian shares, international shares, listed property, and also commodities, like gold and silver, and then the other 30% in defensive investments, so things like cash, bonds, fixed interest, lower risk investments, more cash producing. It might even be worthwhile reducing that down a bit more by another 10% to more of the balanced environment, just lowering your risk level a little bit there. Did you want me to look at the risk profile with you as well and maybe readjust that so you're taking a bit less risk in the market whilst we are going into that pension phase?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Absolutely. What I'll do now, I've got a little questionnaire. It's the same one that you've done the last couple of years. I'll just run through that with you here just to sort of gauge where you're scoring, and we can work out how far we need to adjust that for you.\n\nAll good. So the first one here is have you ever invested in any direct shares or managed funds in your own name before? Have you ever owned investments before?\n\nChannel 1: Years ago with BHP, but that was\n\nChannel 0: Yep. Yep. That's okay. Not a problem. The next one here's sorry.\n\nYou're right. I apologize.\n\nChannel 1: it. No. I was just gonna say I think we may have a few AMP.\n\nChannel 0: Okay.\n\nChannel 1: I think there's, like it's only a really nominal amount. It was way like it was almost, like, a hundred years ago\n\nChannel 0: Wow.\n\nChannel 1: when it they automatically went into a share thing, and I can't don't even remember, like, what the circumstances were, but it was, like, literally only, like, about 1,200 or something shares.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Interesting.\n\nChannel 1: it's only one nominal, like\n\nChannel 0: Yeah.\n\nChannel 1: I don't even know if we even earn anything on them. But I suppose you would be. If they're sitting there like, they have been just sitting there in the background for, like, years.\n\nChannel 0: Okay. Interesting.\n\nChannel 1: This is interesting. I didn't know that. I know\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: Don't even think about them because it was something that we never ever, like, you know, went out and actively obtained. You know what I mean? Like,\n\nChannel 0: Yeah.\n\nChannel 1: it was\n\nChannel 0: Yeah.\n\nChannel 1: but it's I think it had to do with change of change of I don't know. What do we have what do we have with AMP? We just had a the AMP Bank. Because we had money in the AMP Bank. But That was a new I know.\n\nThat was yeah. It was a 100 years ago. The I'll see what I can I'll see what I can find out for you.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That'd be fabulous. If you can just find a statement or just the number of how many shares you have and when you purchased them, that'd be that'd be great.\n\nChannel 1: Would have been\n\nChannel 0: Just\n\nChannel 1: the\n\nChannel 0: to\n\nChannel 1: eight\n\nChannel 0: kind of include\n\nChannel 1: It's, like, from the eighties, I think, or\n\nChannel 0: wow.\n\nChannel 1: it's like before you were born.\n\nChannel 0: Look. I'll be honest with you. I'm not as young as you think. I was born in '84, so I am 42 this year.\n\nChannel 1: You're only a baby.\n\nChannel 0: Oh, thank you. No. It's all good. Yeah. If you can find out any information, that would be fabulous.\n\nJust to kinda have in the background, and we could also look at, you know, whether you keep them, whether you sell them, what that looks like tax wise for you guys just to\n\nChannel 1: Alright.\n\nChannel 0: sort of, you know, see what's what's possible for you.\n\nChannel 1: Yeah. Which would be me in it. I don't think so.\n\nChannel 0: Oh, you never know.\n\nChannel 1: He's probably on of it.\n\nChannel 0: All good. Now the next question here is asking about the time horizon. So when you're wanting to access your capital, admittedly, you are wanting to start drawing an income as soon as possible because you need to, you know, pay your bills and whatnot. So I'm putting in less than two years, which is the the lowest option I've got. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: The next one here is asking about how you feel about risk. So how do you feel essentially, when you think about your super and how much you have in super there, how do you feel about taking on more risk to get greater potential returns? If you sort of thought about risk as a number between one and five, five being taking heaps of risk, a 100% in shares in the market, and one being no risk at all. Where do you think you might sit in that category? Tough one.\n\nTough one.\n\nChannel 1: We're not we're not real huge risk takers. And if you go\n\nChannel 0: Yep.\n\nChannel 1: to five, but nothing goes and then something happens and the share market goes belly up.\n\nChannel 0: Mhmm.\n\nChannel 1: That's probably on the lower scale, Dana. Well,\n\nChannel 0: Yep.\n\nChannel 1: do a two or three.\n\nChannel 0: At $2.00 3? Yeah. Perfect. Excellent. There we go.\n\nChannel 1: You got 50\n\nChannel 0: I'll pop I'll pop you in with a two just because I feel like with that, you know, moving into that kind of retirement phase and looking to draw money out as super, being a bit more conservative is never a bad thing. Okay.\n\nChannel 1: Yes. Perfect.\n\nChannel 0: Excellent. And the next one here says, how would you feel if you saw your Super four by 20% over the next six months due to what was happening externally in the market? Do you think you'd be wanting to put more money into the investment? It could be a buying opportunity. Are you a bit concerned calling me and having a chat about what's going on globally in the markets, or are you feeling like cementing the losses and taking the money out because you're very concerned?\n\nChannel 1: Probably the second one.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Because they're\n\nChannel 0: The\n\nChannel 1: not\n\nChannel 0: next one sorry. You're up.\n\nChannel 1: in we wouldn't be in a position to, you know,\n\nChannel 0: Yeah.\n\nChannel 1: like, invest any other, you know, money from somewhere else. So\n\nChannel 0: Yep. Absolutely. Perfect. The next one here is what sort of reasonable rate of return are you trying to achieve from your portfolio over the longer term? So the reason we kind of ask this question quite regularly is because everyone wants the best return they can get from their super and from their investments.\n\nBut in order to get the higher levels of return, you do need to be willing to take on a higher level of risk to achieve so. So\n\nChannel 1: Yes.\n\nChannel 0: are you more comfortable maybe looking at a two, a four, a six, or an 8% return by taking a bit less risk in the market with your super, or are you still wanting to, you know, be comfortable trying to get the best returns you possibly can and take on a bit more risk? How do you think you're feeling?\n\nChannel 1: It's hard to say. The world's crazy at the moment. Yeah.\n\nChannel 0: Yep. It is. Yeah.\n\nChannel 1: More busy than one bloke. I guess, you know, like, at the end of the day, we have to just we have to be mindful, you know, like that we could potentially have, you know, another twenty five years each, you know, like,\n\nChannel 0: Mhmm.\n\nChannel 1: the that we need to be able to survive comfortably. You know? So\n\nChannel 0: Yep. Yep. Definitely. And that's the other thing we do need to think about is as much as retiring now means that you you're accessing your super now, you've got another, you know, twenty or thirty or forty years in\n\nChannel 1: Yep.\n\nChannel 0: retirement. So you still have a long time to make it last.\n\nChannel 1: Yes.\n\nChannel 0: You could definitely kinda go in between. I mean, for taking on a lower amount of risk, it's still okay to be looking for, say, four to 6% of a return on a regular basis and trying to aim for that. And that's\n\nChannel 1: Yes.\n\nChannel 0: kind of middle of the range when we're looking at average returns. I mean, some lower risk portfolios get really great returns, have, you know, 20% returns some years. Some years are a little bit lower. But it's more just what we're kinda aiming for in this kind of environment. So would you say four to 6% on a yearly basis would be fairly comfortable for you?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Beautiful. Excellent. The next one here is, again, looking at how you'd feel if your super did take a bit of a dip. I kinda feel by talking to you both that you would be a bit concerned about super taking a large dip and having the value drop considerably.\n\nAm I on the right track with that?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And the last one here is, have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever borrowed the safe property?\n\nChannel 1: Only ever to buy the property.\n\nChannel 0: Yep. Perfect. And have you ever owned an investment property, or is it just your main PTR, your primary residence?\n\nChannel 1: Yeah. Just some primary residence.\n\nChannel 0: Yep. Yep. Perfect. Okay. So, Neil, you have definitely scored slightly lower.\n\nSo you're in that moderate bracket now. With the portfolio you're in now, we kinda went through what that looks like. But in that moderate sort of area, you're looking at reducing it down to either a balanced or a more defensive environment. So the balanced portfolio generally sees around about 50 to 60% of your super investing growth assets, so things like Australian shares, international shares, property, and commodities again there for you. And then the other sort of 30 the 50 to 40 to 50% in defensive low risk investments.\n\nThe average rate of return we're chasing with this sort of a portfolio is about five to 7%. And because there's always gonna be risk in the market, there's always years where maybe we receive a lower rate of return or negative return. With this kind of portfolio, it's about one in seven years, so it is relatively low risk. It suits someone who has about three years investment time horizon, so you can be in a sort of a portfolio moving into those retirement years. That's moving you down one risk profile from where you are currently.\n\nThe other option is if you still feel that that's a little bit too high, we can always move you down into more defensive environment, which is basically a whole switch on where you are. And that would be about 25 to 35% in growth assets, and then we have 65 to 75% in defensive lower risk investments. We're chasing a return expected return of around two to 3% with this kind of defensive environment, and the likelihood of a negative return is still kind of one in every seven years with this sort of defensive portfolio as well. How does that make you feel? What sort of level or what sort of portfolio would you like to see your funds invested in?\n\nChannel 1: Cricket.\n\nChannel 0: Risk profile by maybe 10% move one down to see how that looks\n\nChannel 1: Yes.\n\nChannel 0: for the next few months? And then we can always look to reduce it further if it's not comfortable for you.\n\nChannel 1: Sure. Yeah.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: You're okay with that? Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Well, what I'll do is I'll go and have a bit of a look at all the investments. I'll do some research around all that for you. I'll come back and show you what that looks like.\n\nI know it's a little bit hard with this conversation because it's kinda just all what we're talking about until you actually see the advice document, see what we've put together, and are able to see everything in front of you. It can be a little bit much, so I do apologize about that. But\n\nChannel 1: It's no.\n\nChannel 0: leave it with me.\n\nChannel 1: I was gonna say it's just all new to us.\n\nChannel 0: Sorry.\n\nChannel 1: You know, like,\n\nChannel 0: Yeah.\n\nChannel 1: phase of our life. It's, you know, it's not something you really well, I mean, it just creeps up on you, doesn't it?\n\nChannel 0: It does. It really does. And this is sort of the area that I love, and I know I'm I'm 42 this year as I kinda mentioned before, but a lot of my work in this in our office is in that retirement space. So I do look at a lot of that for a lot of our clients, which fantastic. So I'll do a lot of research in there for you.\n\nWe'll do regular catch ups to make sure everything's working for you, and we can adjust the advice as things change for you. Because I want this to work for you now, but I wanna make sure it lasts for you as well. Yeah. You've got a long time to go on retirement. You've got a lot that you probably wanna do in that time frame as well.\n\nSo we'll make sure we're here to support you all the way through that. Okay?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: All good. Well, what I'll do now is I'll send through a bit of a recap email. Just going through the things that we've gone through and discussed. I'll just also get send the budget planner out for you. I'll also send through the instructions on how to get the Centrelink application that's being submitted through myGov.\n\nAnd if you can send me a statement as well as the application details, I can go and have a look at everything. If I do have additional questions, either myself or my admin team member, Michelle, would touch base and, you know, ask anything else that we possibly need. And then if you like, we can make a time in about two weeks to come back and provide that advice. Is that okay?\n\nChannel 1: Yeah. Perfect. Can\n\nChannel 0: Yep. Perfect. Let's make that time for you\n\nChannel 1: I\n\nChannel 0: now. So in my calendar,\n\nChannel 1: Can I get a Wednesday?\n\nChannel 0: we can definitely do that. And did you want sort of this time of day I know we're a bit late today. I'm so sorry about that. But did you want kind of 11:30 on a Wednesday?\n\nChannel 1: Yeah. Or even a bit earlier, 10:00.\n\nChannel 0: Yeah. Absolutely. Not a problem\n\nChannel 1: Is that\n\nChannel 0: at all.\n\nChannel 1: your lunch\n\nChannel 0: No.\n\nChannel 1: time? Like oh, sorry. That's it is your lunch time.\n\nChannel 0: No. No. You're fine. You I honestly have lunch whenever I'm hungry, and these days, I'm not very hungry.\n\nChannel 1: Sorry.\n\nChannel 0: So it's all good. Let's have a look. So two weeks will put us at the May 13,\n\nChannel 1: Yep.\n\nChannel 0: and 10AM, I can do I've actually got most of that day free. So did you want 10:00 in the morning and we can go through it to them together? Is that suitable?\n\nChannel 1: Yep. Perfect. So that's ten\n\nChannel 0: Perfect.\n\nChannel 1: o Alcon. Ten\n\nChannel 0: Yep. 10:00 your time. That's twelve\n\nChannel 1: Alcon. Beautiful.\n\nChannel 0: o'clock my time. Yeah.\n\nChannel 1: Yep. Thank you, Diana.\n\nChannel 0: That's okay. It's not a problem at all. It's all booked in. I've added a text message reminder on there for you, so it'll send you a message an hour prior just reminding you of the appointment. And if anything comes up and you need to change it, just let me know.\n\nI'm very flexible, and I do work a lot after hours as well kind of in the evening to make it easier on everyone as well, especially for you guys in WA. So yeah.\n\nChannel 1: Thank you. Yeah. Bart\n\nChannel 0: That's\n\nChannel 1: used\n\nChannel 0: okay. What was that, Neil? Sorry.\n\nChannel 1: Bart used to do that for us.\n\nChannel 0: Yeah. Yeah. Well, Bart trained me, so, hopefully, I'm half as good as him.\n\nChannel 1: Yeah. He didn't sit in the now.\n\nChannel 0: He does. He does. Bart does all the the owner stuff, all the compliance things, talking to and all the bits and pieces to keep the business running. So his job is very important. But, no,\n\nChannel 1: Otherwise,\n\nChannel 0: looking forward\n\nChannel 1: you don't.\n\nChannel 0: to put sorry. Yeah. That's right. That's exactly right. No.\n\nAll good. Well, what I'll do is I'll put this advice together. We'll come back and have a really good chat about it on the thirteenth. In the meantime, I'll get that email through to you. And if you either if you find you have any additional questions, please let me know.\n\nIn my world, there is no such thing as a silly question. If there's something you need answered, you're welcome to shoot me an email, give me a call, and I'll make sure I answer it for you. Okay?\n\nChannel 1: Perfect. Thank you so much. Thank you, Dana.\n\nChannel 0: My pleasure. I hope you both have a lovely day. Camille, it was amazing to meet you. It's good to talk to you finally.\n\nChannel 1: Thank you.\n\nChannel 0: My pleasure. Enjoy your day, guys. I'll talk to you soon.\n\nChannel 1: Absolutely. Thank you, Jenna. Bye bye.\n\nChannel 0: K. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.12,"end":1.62,"sentiment":"neutral","sentiment_score":0.0271468423306942}],"sentiment":"neutral","sentiment_score":0.0271468423306942,"channel":1,"num_words":1,"start":1.12,"end":1.62},{"sentences":[{"text":"Hey, Neil.","start":2.48,"end":3.04,"sentiment":"neutral","sentiment_score":0.10570722073316574},{"text":"It's Dana from Oakview Financial.","start":3.04,"end":4.66,"sentiment":"neutral","sentiment_score":0.1576564133167267},{"text":"How are you?","start":4.72,"end":5.54,"sentiment":"neutral","sentiment_score":0.17534683644771576}],"sentiment":"neutral","sentiment_score":0.15257370173931123,"channel":0,"num_words":10,"start":2.48,"end":5.54},{"sentences":[{"text":"Sorry about that.","start":6.7999997,"end":7.52,"sentiment":"neutral","sentiment_score":-0.10070870320002238},{"text":"I slept in.","start":7.52,"end":8.5,"sentiment":"neutral","sentiment_score":-0.04474891473849615}],"sentiment":"neutral","sentiment_score":-0.07272880896925926,"channel":1,"num_words":6,"start":6.7999997,"end":8.5},{"sentences":[{"text":"Oh, you're fine.","start":8.88,"end":9.76,"sentiment":"neutral","sentiment_score":0.2765737771987915},{"text":"You're not a problem at all.","start":9.76,"end":10.8,"sentiment":"positive","sentiment_score":0.3919345637162526},{"text":"I'm running a little bit late today as well, so do not worry in any way, shape, or form.","start":10.8,"end":14.66,"sentiment":"neutral","sentiment_score":0.16201941041569962}],"sentiment":"neutral","sentiment_score":0.22356062542114938,"channel":0,"num_words":28,"start":8.88,"end":14.66},{"sentences":[{"text":"Alright.","start":15.2,"end":15.7,"sentiment":"neutral","sentiment_score":0.30620989203453064}],"sentiment":"neutral","sentiment_score":0.30620989203453064,"channel":1,"num_words":1,"start":15.2,"end":15.7},{"sentences":[{"text":"All good.","start":16.814999,"end":17.715,"sentiment":"positive","sentiment_score":0.5059795677661896},{"text":"I had you booked in just to have a bit of a follow-up conversation from our chat last week.","start":17.935,"end":22.355,"sentiment":"neutral","sentiment_score":0.2450636248839529},{"text":"Before I jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":23.695,"end":28.255,"sentiment":"neutral","sentiment_score":0.16010300389357976},{"text":"Are you happy for me to proceed with that?","start":28.255,"end":30.355,"sentiment":"neutral","sentiment_score":0.23375268942779964}],"sentiment":"neutral","sentiment_score":0.21831579009691873,"channel":0,"num_words":51,"start":16.814999,"end":30.355},{"sentences":[{"text":"Yep.","start":30.705,"end":31.205,"sentiment":"neutral","sentiment_score":0.10232488811016084}],"sentiment":"neutral","sentiment_score":0.10232488811016084,"channel":1,"num_words":1,"start":30.705,"end":31.205},{"sentences":[{"text":"Yep.","start":31.65,"end":32.13,"sentiment":"neutral","sentiment_score":0.19787687063217163},{"text":"Fantastic.","start":32.13,"end":32.63,"sentiment":"positive","sentiment_score":0.6030377149581909},{"text":"And just to do security, we're just discussing your personal information.","start":32.93,"end":36.13,"sentiment":"neutral","sentiment_score":0.260297340425578},{"text":"So I'll get you to confirm your full name, date of birth, and address I should have on file.","start":36.13,"end":39.83,"sentiment":"neutral","sentiment_score":0.19443799712155996}],"sentiment":"neutral","sentiment_score":0.2299533523619175,"channel":0,"num_words":32,"start":31.65,"end":39.83},{"sentences":[{"text":"Neil Owen, '2","start":40.829998,"end":43.825,"sentiment":"neutral","sentiment_score":0.018214575325449307}],"sentiment":"neutral","sentiment_score":0.018214575325449307,"channel":1,"num_words":3,"start":40.829998,"end":43.825},{"sentences":[{"text":"Yep.","start":43.745003,"end":44.245003,"sentiment":"neutral","sentiment_score":0.025417465716600415}],"sentiment":"neutral","sentiment_score":0.025417465716600415,"channel":0,"num_words":1,"start":43.745003,"end":44.245003},{"sentences":[{"text":"05 up or 16 Paper Bar close point up.","start":43.825,"end":47.685,"sentiment":"neutral","sentiment_score":0.03384189721610811}],"sentiment":"neutral","sentiment_score":0.03384189721610811,"channel":1,"num_words":9,"start":43.825,"end":47.685},{"sentences":[{"text":"Perfect.","start":48.065002,"end":48.565002,"sentiment":"positive","sentiment_score":0.5298221111297607},{"text":"Thank you so much for that.","start":48.625,"end":50.065002,"sentiment":"positive","sentiment_score":0.6479498147964478},{"text":"How did you go with the application for Centrelink?","start":50.065002,"end":52.385002,"sentiment":"neutral","sentiment_score":0.286174217859904},{"text":"Is it all submitted now?","start":52.385002,"end":53.845,"sentiment":"neutral","sentiment_score":0.16277119517326355}],"sentiment":"positive","sentiment_score":0.3717592826911381,"channel":0,"num_words":21,"start":48.065002,"end":53.845},{"sentences":[{"text":"Yeah.","start":54.545002,"end":54.785,"sentiment":"neutral","sentiment_score":0.04477863013744354},{"text":"It's going in.","start":54.785,"end":55.92,"sentiment":"neutral","sentiment_score":0.042343425254027046},{"text":"I haven't heard","start":56.0,"end":56.64,"sentiment":"neutral","sentiment_score":-0.06987367570400238}],"sentiment":"neutral","sentiment_score":-0.005401731601783207,"channel":1,"num_words":7,"start":54.545002,"end":56.64},{"sentences":[{"text":"Yep.","start":56.45,"end":56.95,"sentiment":"neutral","sentiment_score":-0.09379613399505617}],"sentiment":"neutral","sentiment_score":-0.09379613399505617,"channel":0,"num_words":1,"start":56.45,"end":56.95},{"sentences":[{"text":"anything.","start":56.64,"end":57.14,"sentiment":"neutral","sentiment_score":-0.06882663071155548},{"text":"I just received a email this morning.","start":57.6,"end":60.1,"sentiment":"neutral","sentiment_score":-0.013770033472350665},{"text":"There was an email this morning that I got my senior's card.","start":61.6,"end":64.34,"sentiment":"neutral","sentiment_score":0.01565283474822839}],"sentiment":"neutral","sentiment_score":0.0011308575980365277,"channel":1,"num_words":20,"start":56.64,"end":64.34},{"sentences":[{"text":"Okay.","start":64.69,"end":65.19,"sentiment":"neutral","sentiment_score":0.12246348708868028},{"text":"Perfect.","start":65.33,"end":65.83,"sentiment":"neutral","sentiment_score":0.20848193764686584}],"sentiment":"neutral","sentiment_score":0.16547271236777306,"channel":0,"num_words":2,"start":64.69,"end":65.83},{"sentences":[{"text":"So things are rolling along.","start":66.32,"end":67.935,"sentiment":"neutral","sentiment_score":0.14919603765010833},{"text":"I gotta 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so I understand how much you need to live on on a weekly basis, and then I can sort of factor in your wage, And then we can work out how much the drawdown from super needs to be.","start":489.95,"end":499.345,"sentiment":"neutral","sentiment_score":0.02114029482472688}],"sentiment":"neutral","sentiment_score":0.03762456404348446,"channel":0,"num_words":43,"start":488.51,"end":499.345},{"sentences":[{"text":"Alright.","start":499.53998,"end":500.03998,"sentiment":"neutral","sentiment_score":0.08814257383346558}],"sentiment":"neutral","sentiment_score":0.08814257383346558,"channel":1,"num_words":1,"start":499.53998,"end":500.03998},{"sentences":[{"text":"What I would probably also wanna look at doing, Neil, if you're comfortable, is moving at the moment, you're in accumulation phase.","start":499.565,"end":505.885,"sentiment":"neutral","sentiment_score":0.1295947381718592},{"text":"And because you're applying for age pension when you turn 67, all of that is fully 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moment, that you are still bringing home an income.","start":655.52997,"end":659.76996,"sentiment":"neutral","sentiment_score":0.019211270799860358},{"text":"Did you want me to maybe factor that into reduce that from the amount you guys need to live on and how much Neil needs to draw out of super?","start":659.76996,"end":669.365,"sentiment":"neutral","sentiment_score":0.013179389325280984},{"text":"Or did you wanna just keep your income as a secondary a bit of bonus income for, you know, incidentals or fun?","start":669.365,"end":679.14496,"sentiment":"neutral","sentiment_score":0.06142380139367147}],"sentiment":"neutral","sentiment_score":0.04409930655965581,"channel":0,"num_words":80,"start":652.57,"end":679.14496},{"sentences":[{"text":"I I think so.","start":680.035,"end":680.82,"sentiment":"neutral","sentiment_score":0.023953535594046116},{"text":"Because I'm I'm literally, I'm permanent part 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vehicles?","start":929.815,"end":931.755,"sentiment":"neutral","sentiment_score":0.07107058074325323},{"text":"Nope.","start":933.53,"end":934.03,"sentiment":"neutral","sentiment_score":0.07129880785942078},{"text":"Perfect.","start":934.17004,"end":934.65,"sentiment":"neutral","sentiment_score":0.3082154393196106},{"text":"Excellent.","start":934.65,"end":935.15,"sentiment":"neutral","sentiment_score":0.32101738452911377},{"text":"Any other assets that may you may have there?","start":935.85004,"end":938.49005,"sentiment":"neutral","sentiment_score":0.18102476083570057}],"sentiment":"neutral","sentiment_score":0.1449159562587738,"channel":0,"num_words":20,"start":929.815,"end":938.49005},{"sentences":[{"text":"Any other cars, boats, caravans, anything else of value?","start":938.49005,"end":941.55005,"sentiment":"neutral","sentiment_score":0.08703756994671291}],"sentiment":"neutral","sentiment_score":0.08703756994671291,"channel":0,"num_words":9,"start":938.49005,"end":941.55005},{"sentences":[{"text":"Not in not not of that nature.","start":942.35004,"end":944.61,"sentiment":"neutral","sentiment_score":-0.06821233353444509},{"text":"No.","start":944.67004,"end":945.17004,"sentiment":"neutral","sentiment_score":-0.03582148626446724}],"sentiment":"neutral","sentiment_score":-0.06416347762569785,"channel":1,"num_words":8,"start":942.35004,"end":945.17004},{"sentences":[{"text":"Nope.","start":945.38495,"end":945.625,"sentiment":"neutral","sentiment_score":-0.026311159133911133},{"text":"That's okay.","start":945.625,"end":946.58496,"sentiment":"neutral","sentiment_score":0.07646050304174423},{"text":"Perfect.","start":946.58496,"end":947.08496,"sentiment":"neutral","sentiment_score":0.23076286911964417},{"text":"And contents.","start":948.82495,"end":949.485,"sentiment":"neutral","sentiment_score":0.052628446370363235},{"text":"Did you what did you sort of have or noted for settling for content?","start":949.785,"end":953.64496,"sentiment":"neutral","sentiment_score":0.007509651527340923}],"sentiment":"neutral","sentiment_score":0.028388236509636046,"channel":0,"num_words":20,"start":945.38495,"end":953.64496},{"sentences":[{"text":"Let me check contents.","start":957.255,"end":958.235,"sentiment":"neutral","sentiment_score":-0.009170447941869497},{"text":"What the value of content?","start":960.36,"end":961.74,"sentiment":"neutral","sentiment_score":-0.009545603208243847}],"sentiment":"neutral","sentiment_score":-0.009378867534299692,"channel":1,"num_words":9,"start":957.255,"end":961.74},{"sentences":[{"text":"Yeah.","start":962.64,"end":963.14,"sentiment":"neutral","sentiment_score":-0.017135273665189743}],"sentiment":"neutral","sentiment_score":-0.017135273665189743,"channel":0,"num_words":1,"start":962.64,"end":963.14},{"sentences":[{"text":"What did you put down for the value of content when you did something?","start":963.56,"end":967.02,"sentiment":"neutral","sentiment_score":-0.023332067765295506},{"text":"I mean, the the funniest thing about doing that day and age, it's stuff's only worth what people are willing to pay.","start":967.96,"end":975.535,"sentiment":"neutral","sentiment_score":-0.05269533057104458},{"text":"So you know what I mean?","start":975.535,"end":977.855,"sentiment":"neutral","sentiment_score":-0.034658705505232014},{"text":"Like, we might have, you know, like, a TV that we paid, you know, 1,200 for, and then five months down the track, it might be worth $50 to someone.","start":977.855,"end":987.055,"sentiment":"neutral","sentiment_score":-0.010919409058988094},{"text":"You know?","start":987.055,"end":987.535,"sentiment":"neutral","sentiment_score":-0.01654729712754488}],"sentiment":"neutral","sentiment_score":-0.027764531355854626,"channel":1,"num_words":74,"start":963.56,"end":987.535},{"sentences":[{"text":"Like, it's","start":987.535,"end":988.94,"sentiment":"neutral","sentiment_score":-0.0017317435704171658}],"sentiment":"neutral","sentiment_score":-0.0017317435704171658,"channel":1,"num_words":2,"start":987.535,"end":988.94},{"sentences":[{"text":"Yes.","start":988.61,"end":989.11,"sentiment":"neutral","sentiment_score":0.006433230824768543}],"sentiment":"neutral","sentiment_score":0.006433230824768543,"channel":0,"num_words":1,"start":988.61,"end":989.11},{"sentences":[{"text":"and I mean, people these days tend to wanna wanna buy new.","start":989.48004,"end":993.26,"sentiment":"neutral","sentiment_score":-0.0036325491964817047},{"text":"So","start":993.8,"end":994.3,"sentiment":"neutral","sentiment_score":0.033102307468652725}],"sentiment":"neutral","sentiment_score":-0.0008067909914713639,"channel":1,"num_words":13,"start":989.48004,"end":994.3},{"sentences":[{"text":"Absolutely.","start":993.97003,"end":994.47003,"sentiment":"neutral","sentiment_score":0.04560818523168564},{"text":"What","start":995.49,"end":995.73,"sentiment":"neutral","sentiment_score":-0.0034743137657642365}],"sentiment":"neutral","sentiment_score":0.0210669357329607,"channel":0,"num_words":2,"start":993.97003,"end":995.73},{"sentences":[{"text":"yeah.","start":995.64,"end":996.14,"sentiment":"neutral","sentiment_score":-0.009613867849111555}],"sentiment":"neutral","sentiment_score":-0.009613867849111555,"channel":1,"num_words":1,"start":995.64,"end":996.14},{"sentences":[{"text":"I'm not sure how you filled out the application for Centrelink, but when I normally help my clients do Centrelink applications, we normally look at making sure everything's on fire sale value.","start":995.89,"end":1006.755,"sentiment":"neutral","sentiment_score":-0.023856588930357248},{"text":"So for Centrelink purposes, we never value contents more than 10,000 for a couple.","start":1006.755,"end":1013.175,"sentiment":"neutral","sentiment_score":-0.03099039290100336}],"sentiment":"neutral","sentiment_score":-0.02602774666055389,"channel":0,"num_words":46,"start":995.89,"end":1013.175},{"sentences":[{"text":"Yes.","start":1013.655,"end":1013.88,"sentiment":"neutral","sentiment_score":-0.008001791313290596}],"sentiment":"neutral","sentiment_score":-0.008001791313290596,"channel":1,"num_words":1,"start":1013.655,"end":1013.88},{"sentences":[{"text":"However, when you consider your content insurance, obviously, the the value of things is gonna be greatly higher.","start":1013.875,"end":1019.96,"sentiment":"neutral","sentiment_score":-0.08742249384522438},{"text":"But we looked at FireSafe values for Centrelink valuation.","start":1020.42,"end":1023.4,"sentiment":"neutral","sentiment_score":-0.021490743590725794}],"sentiment":"neutral","sentiment_score":-0.06544524376039151,"channel":0,"num_words":27,"start":1013.875,"end":1023.4},{"sentences":[{"text":"Yes.","start":1025.0,"end":1025.5,"sentiment":"neutral","sentiment_score":0.021587034687399864},{"text":"Yes.","start":1025.8,"end":1026.3,"sentiment":"neutral","sentiment_score":0.02410384826362133}],"sentiment":"neutral","sentiment_score":0.022845441475510597,"channel":1,"num_words":2,"start":1025.0,"end":1026.3},{"sentences":[{"text":"Yeah.","start":1026.34,"end":1026.84,"sentiment":"neutral","sentiment_score":0.01168457604944706}],"sentiment":"neutral","sentiment_score":0.01168457604944706,"channel":0,"num_words":1,"start":1026.34,"end":1026.84},{"sentences":[{"text":"So yeah.","start":1027.24,"end":1027.88,"sentiment":"neutral","sentiment_score":-0.003079398535192013},{"text":"No.","start":1027.88,"end":1028.12,"sentiment":"neutral","sentiment_score":-0.10488827526569366},{"text":"I wouldn't put it in any higher than that then.","start":1028.12,"end":1030.755,"sentiment":"neutral","sentiment_score":-0.12095990777015686}],"sentiment":"neutral","sentiment_score":-0.10158816538751125,"channel":1,"num_words":13,"start":1027.24,"end":1030.755},{"sentences":[{"text":"Yep.","start":1030.995,"end":1031.3949,"sentiment":"neutral","sentiment_score":0.3316819369792938},{"text":"Beautiful.","start":1031.3949,"end":1031.8949,"sentiment":"positive","sentiment_score":0.6023721694946289},{"text":"Do you remember what if you'd put 10,000 or more on the content to send link to the application?","start":1031.955,"end":1037.8949,"sentiment":"neutral","sentiment_score":0.0827596097400314}],"sentiment":"neutral","sentiment_score":0.11935650912069139,"channel":0,"num_words":21,"start":1030.995,"end":1037.8949},{"sentences":[{"text":"I don't think that question came up.","start":1040.575,"end":1042.575,"sentiment":"neutral","sentiment_score":-0.12553554560456956},{"text":"It must have at some point.","start":1042.575,"end":1044.36,"sentiment":"neutral","sentiment_score":-0.1025794434050719}],"sentiment":"neutral","sentiment_score":-0.11494042151249372,"channel":1,"num_words":13,"start":1040.575,"end":1044.36},{"sentences":[{"text":"Yeah.","start":1045.16,"end":1045.66,"sentiment":"neutral","sentiment_score":0.004525303840637207}],"sentiment":"neutral","sentiment_score":0.004525303840637207,"channel":0,"num_words":1,"start":1045.16,"end":1045.66},{"sentences":[{"text":"I'll 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were you gonna say, Dana?","start":1049.14,"end":1050.6,"sentiment":"neutral","sentiment_score":-0.010119788348674774}],"sentiment":"neutral","sentiment_score":-0.010119788348674774,"channel":1,"num_words":6,"start":1049.14,"end":1050.6},{"sentences":[{"text":"Do you have a breakdown or a copy of the application that was 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gonna","start":1202.9249,"end":1203.885,"sentiment":"neutral","sentiment_score":-0.03204031428322196}],"sentiment":"neutral","sentiment_score":-0.09807630849536508,"channel":1,"num_words":16,"start":1198.1901,"end":1203.885},{"sentences":[{"text":"That's","start":1203.7151,"end":1204.2151,"sentiment":"neutral","sentiment_score":-0.02122534066438675}],"sentiment":"neutral","sentiment_score":-0.02122534066438675,"channel":0,"num_words":1,"start":1203.7151,"end":1204.2151},{"sentences":[{"text":"so can you remember, was it, like, 2,005 thousand, like, for the value?","start":1205.565,"end":1211.105,"sentiment":"neutral","sentiment_score":-0.025491123016063984},{"text":"What we put down?","start":1211.885,"end":1213.105,"sentiment":"neutral","sentiment_score":-0.04438412096351385},{"text":"Alright.","start":1213.885,"end":1214.385,"sentiment":"neutral","sentiment_score":-0.011997620575129986},{"text":"She probably won't know.","start":1218.76,"end":1219.96,"sentiment":"neutral","sentiment_score":-0.07015718147158623},{"text":"She's there.","start":1219.96,"end":1220.78,"sentiment":"neutral","sentiment_score":-0.046598583459854126}],"sentiment":"neutral","sentiment_score":-0.037281024851836264,"channel":1,"num_words":24,"start":1205.565,"end":1220.78},{"sentences":[{"text":"That's okay.","start":1222.86,"end":1223.76,"sentiment":"neutral","sentiment_score":0.09873505309224129},{"text":"That's alright.","start":1223.82,"end":1224.5599,"sentiment":"neutral","sentiment_score":0.16390551626682281}],"sentiment":"neutral","sentiment_score":0.13132028467953205,"channel":0,"num_words":4,"start":1222.86,"end":1224.5599},{"sentences":[{"text":"I can get ahold of my sister and get a because Vindisi would have saved that.","start":1225.08,"end":1229.8,"sentiment":"neutral","sentiment_score":0.11698314407840371},{"text":"I don't think she would have deleted it because it's she deals direct with Centrelink anyway.","start":1229.8,"end":1234.205,"sentiment":"neutral","sentiment_score":0.0013500560307875276}],"sentiment":"neutral","sentiment_score":0.05916660005459562,"channel":1,"num_words":32,"start":1225.08,"end":1234.205},{"sentences":[{"text":"Yeah.","start":1234.7949,"end":1235.275,"sentiment":"neutral","sentiment_score":0.027049124240875244},{"text":"Was it done through your myGov account at all?","start":1235.275,"end":1237.9349,"sentiment":"neutral","sentiment_score":0.024843067344692018}],"sentiment":"neutral","sentiment_score":0.02506367303431034,"channel":0,"num_words":10,"start":1234.7949,"end":1237.9349},{"sentences":[{"text":"And yes.","start":1240.105,"end":1240.745,"sentiment":"neutral","sentiment_score":0.018364432267844677},{"text":"Because I had to go on the Wi Fi to do it.","start":1240.745,"end":1242.96,"sentiment":"neutral","sentiment_score":0.012281319592148066}],"sentiment":"neutral","sentiment_score":0.013150335688676153,"channel":1,"num_words":14,"start":1240.105,"end":1242.96},{"sentences":[{"text":"Yep.","start":1243.67,"end":1244.15,"sentiment":"neutral","sentiment_score":0.28780806064605713},{"text":"Perfect.","start":1244.15,"end":1244.63,"sentiment":"positive","sentiment_score":0.48540812730789185},{"text":"So if you guys log in to your MyGov account and go into the Centrelink section and go into current claims, in the email if you like, I will add the instructions on how to go in there.","start":1244.63,"end":1256.085,"sentiment":"neutral","sentiment_score":0.2180774402069418},{"text":"You can actually go in and save the application down, and you can sort of see all the all the questions that you answered.","start":1256.1649,"end":1263.7849,"sentiment":"neutral","sentiment_score":0.2167467890928189},{"text":"Do you want","start":1264.1649,"end":1264.565,"sentiment":"neutral","sentiment_score":0.072706604997317}],"sentiment":"neutral","sentiment_score":0.21612241297070658,"channel":0,"num_words":67,"start":1243.67,"end":1264.565},{"sentences":[{"text":"Okay.","start":1264.4349,"end":1264.9349,"sentiment":"neutral","sentiment_score":0.08736036717891693}],"sentiment":"neutral","sentiment_score":0.08736036717891693,"channel":1,"num_words":1,"start":1264.4349,"end":1264.9349},{"sentences":[{"text":"me to add the the instructions and know how to access that to save it down to maybe send that to me as well?","start":1264.565,"end":1270.1649,"sentiment":"neutral","sentiment_score":0.09997600875794888},{"text":"Would that be okay?","start":1270.1649,"end":1271.145,"sentiment":"neutral","sentiment_score":0.07508562505245209}],"sentiment":"neutral","sentiment_score":0.09642023965716362,"channel":0,"num_words":28,"start":1264.565,"end":1271.145},{"sentences":[{"text":"Yes.","start":1271.475,"end":1271.875,"sentiment":"neutral","sentiment_score":0.10904115438461304},{"text":"Yep.","start":1271.875,"end":1272.18,"sentiment":"neutral","sentiment_score":0.1269187182188034}],"sentiment":"neutral","sentiment_score":0.11797993630170822,"channel":1,"num_words":2,"start":1271.475,"end":1272.18},{"sentences":[{"text":"Yep.","start":1272.7001,"end":1273.1001,"sentiment":"neutral","sentiment_score":0.19495391845703125},{"text":"Beautiful.","start":1273.1001,"end":1273.6001,"sentiment":"positive","sentiment_score":0.4481077790260315},{"text":"If you get stuck with any of this, please let me know.","start":1273.66,"end":1276.7201,"sentiment":"neutral","sentiment_score":0.043093390141924225},{"text":"Neil, you know you can call me at any time, and I'll always take the call or call you straight back.","start":1277.26,"end":1282.3201,"sentiment":"neutral","sentiment_score":0.14238882845356352},{"text":"If you get stuck, have any questions, need any help finding anything, let me know.","start":1283.1001,"end":1287.675,"sentiment":"neutral","sentiment_score":0.10380930105845133}],"sentiment":"neutral","sentiment_score":0.11414974585175514,"channel":0,"num_words":50,"start":1272.7001,"end":1287.675},{"sentences":[{"text":"Okay.","start":1288.875,"end":1289.375,"sentiment":"neutral","sentiment_score":0.1322634518146515}],"sentiment":"neutral","sentiment_score":0.1322634518146515,"channel":1,"num_words":1,"start":1288.875,"end":1289.375},{"sentences":[{"text":"Okay?","start":1289.995,"end":1290.155,"sentiment":"neutral","sentiment_score":0.14138826727867126},{"text":"Beautiful.","start":1290.155,"end":1290.655,"sentiment":"positive","sentiment_score":0.5685843825340271},{"text":"Excellent.","start":1291.1951,"end":1291.6951,"sentiment":"positive","sentiment_score":0.5800223350524902},{"text":"Alright.","start":1292.555,"end":1293.055,"sentiment":"neutral","sentiment_score":0.27773794531822205},{"text":"We'll have a look at that.","start":1293.3551,"end":1294.2351,"sentiment":"neutral","sentiment_score":0.24381128450234732}],"sentiment":"neutral","sentiment_score":0.3030600637197495,"channel":0,"num_words":10,"start":1289.995,"end":1294.2351},{"sentences":[{"text":"I'll go through the assets.","start":1294.2351,"end":1295.4551,"sentiment":"neutral","sentiment_score":0.13459596559405326},{"text":"So one for the basic advice, and then please tell me if I'm missing anything, is I'm looking at your super.","start":1295.515,"end":1300.7351,"sentiment":"neutral","sentiment_score":0.04245242529681751},{"text":"What I'd like to probably also do, Neil, is I'm just sort of having a look at your investments inside super.","start":1300.88,"end":1306.9801,"sentiment":"neutral","sentiment_score":0.08878503047994205},{"text":"I just also wanna maybe have a bit of a look at those and maybe redig them a little bit for you as well.","start":1307.3601,"end":1312.5,"sentiment":"neutral","sentiment_score":0.148773777919511},{"text":"I am sort of noticing that there is one investment in your super that has it's whilst it's still performing really well, has underperformed a little bit.","start":1312.7201,"end":1320.565,"sentiment":"neutral","sentiment_score":-0.20150410853050374}],"sentiment":"neutral","sentiment_score":0.01590740958190694,"channel":0,"num_words":98,"start":1294.2351,"end":1320.565},{"sentences":[{"text":"So I would like to maybe look at maneuvering that out and getting rid of it and replace it with something that's performing a bit better.","start":1320.565,"end":1326.6649,"sentiment":"neutral","sentiment_score":-0.01698373516018574},{"text":"It might also be a bit cheaper for you in investment fees.","start":1326.725,"end":1329.6849,"sentiment":"neutral","sentiment_score":0.32575601277252036},{"text":"Would that be okay?","start":1329.6849,"end":1330.745,"sentiment":"neutral","sentiment_score":0.1369499284774065}],"sentiment":"neutral","sentiment_score":0.09560225602416765,"channel":0,"num_words":42,"start":1320.565,"end":1330.745},{"sentences":[{"text":"Yeah.","start":1331.52,"end":1332.02,"sentiment":"neutral","sentiment_score":0.024754181504249573},{"text":"But","start":1332.24,"end":1332.48,"sentiment":"neutral","sentiment_score":0.013599526137113571}],"sentiment":"neutral","sentiment_score":0.019176853820681572,"channel":1,"num_words":2,"start":1331.52,"end":1332.48},{"sentences":[{"text":"Yep.","start":1332.4401,"end":1332.9401,"sentiment":"neutral","sentiment_score":0.022312790155410767}],"sentiment":"neutral","sentiment_score":0.022312790155410767,"channel":0,"num_words":1,"start":1332.4401,"end":1332.9401},{"sentences":[{"text":"that would be stand along, would it?","start":1332.48,"end":1334.3401,"sentiment":"neutral","sentiment_score":0.023757962776081904}],"sentiment":"neutral","sentiment_score":0.023757962776081904,"channel":1,"num_words":7,"start":1332.48,"end":1334.3401},{"sentences":[{"text":"It is Bennelong.","start":1334.84,"end":1335.66,"sentiment":"neutral","sentiment_score":0.022042068963249523},{"text":"Yes.","start":1335.96,"end":1336.46,"sentiment":"neutral","sentiment_score":0.05601179972290993},{"text":"Yeah.","start":1339.08,"end":1339.56,"sentiment":"neutral","sentiment_score":0.006334180012345314},{"text":"So would love to get rid of that one there.","start":1339.56,"end":1341.56,"sentiment":"neutral","sentiment_score":-0.14115187376737595},{"text":"Has it is underperforming a little bit as an investment, so I would like to remove it out of there.","start":1341.56,"end":1346.925,"sentiment":"negative","sentiment_score":-0.4116543039679527}],"sentiment":"neutral","sentiment_score":-0.27188950372593745,"channel":0,"num_words":35,"start":1334.84,"end":1346.925},{"sentences":[{"text":"To give you a little bit of an idea, Banner Long is a managed fund, and they were more of an actively managed fund.","start":1347.405,"end":1353.405,"sentiment":"neutral","sentiment_score":-0.03199321574841937},{"text":"So the investment manager there is trying to outperform against the market.","start":1353.405,"end":1357.025,"sentiment":"neutral","sentiment_score":0.08641308483978112},{"text":"And whilst we have seen these ups and downs with what's happening globally at the moment, the investment manager hasn't been able to do that.","start":1357.3251,"end":1364.54,"sentiment":"neutral","sentiment_score":-0.19932168900966643},{"text":"They've had some underlying issues.","start":1364.54,"end":1366.3201,"sentiment":"neutral","sentiment_score":-0.21407144665718078},{"text":"So we've gone back and had a little bit of a look.","start":1366.38,"end":1369.3401,"sentiment":"neutral","sentiment_score":0.00933435062567393}],"sentiment":"neutral","sentiment_score":-0.07272137706287396,"channel":0,"num_words":78,"start":1347.405,"end":1369.3401},{"sentences":[{"text":"There's actually some other investments which create better diversification, can help to lower the risk of your portfolio, but are also cheaper and have performed a bit better than banner longs.","start":1369.3401,"end":1379.955,"sentiment":"neutral","sentiment_score":0.22214093011233113},{"text":"If you're comfortable with me making those changes for you, I'd love to swap that out, put something else in there that's making sure your portfolio is working better for you, maybe rebalance things a little bit for you as well just to make sure you're not taking on too much risk, and then also look at moving you into that pension phase, look at that one off drawdown, look at the regular income drawdowns for you, and, you know, see what we can do to help long term there.","start":1379.955,"end":1405.6649,"sentiment":"neutral","sentiment_score":0.2878384545445442},{"text":"Is that okay?","start":1405.6649,"end":1406.565,"sentiment":"neutral","sentiment_score":0.09221919625997543}],"sentiment":"neutral","sentiment_score":0.26668134944573524,"channel":0,"num_words":124,"start":1369.3401,"end":1406.565},{"sentences":[{"text":"Yep.","start":1406.995,"end":1407.3151,"sentiment":"neutral","sentiment_score":0.15937283635139465},{"text":"That's fine.","start":1407.3151,"end":1408.115,"sentiment":"positive","sentiment_score":0.4985978305339813},{"text":"Perfect.","start":1408.115,"end":1408.53,"sentiment":"positive","sentiment_score":0.8134440183639526},{"text":"Thank you, Dana.","start":1408.61,"end":1409.51,"sentiment":"positive","sentiment_score":0.7705969015757242}],"sentiment":"positive","sentiment_score":0.6116861743586404,"channel":1,"num_words":7,"start":1406.995,"end":1409.51},{"sentences":[{"text":"You that's okay.","start":1409.265,"end":1410.625,"sentiment":"positive","sentiment_score":0.5294491251309713},{"text":"It's not a problem.","start":1410.625,"end":1411.505,"sentiment":"positive","sentiment_score":0.530084028840065},{"text":"It's what I'm here for.","start":1411.505,"end":1412.8049,"sentiment":"positive","sentiment_score":0.44596248865127563},{"text":"Once I've got an idea of what your income looks like, I'll look at drawing down the income, then I'll also assess, you know, when you're able to start drawing that Centrelink, whether we can reduce the amount a little bit down or whether we don't.","start":1413.265,"end":1425.56,"sentiment":"neutral","sentiment_score":0.15620086123437985},{"text":"And I'll show you with the advice the same as last time.","start":1426.18,"end":1429.2201,"sentiment":"neutral","sentiment_score":0.21457738553484282}],"sentiment":"neutral","sentiment_score":0.2242666311029877,"channel":0,"num_words":70,"start":1409.265,"end":1429.2201},{"sentences":[{"text":"I'll outline it in an advice document, so we'll go through it together page by page.","start":1429.2201,"end":1433.6449,"sentiment":"neutral","sentiment_score":0.22773140110075474},{"text":"You can have a look at the recommendations.","start":1433.6449,"end":1435.1849,"sentiment":"neutral","sentiment_score":0.23643598519265652},{"text":"I'll run you through what I'm recommending, how and why, the advantages, disadvantages, the risks involved, and then you get to take it back, have a bit of a read over it.","start":1436.0449,"end":1444.445,"sentiment":"neutral","sentiment_score":0.2324794416781515},{"text":"Let me know if you have any questions and decide what you're comfortable taking on board.","start":1444.445,"end":1448.445,"sentiment":"neutral","sentiment_score":0.2541537471115589},{"text":"How does that sound?","start":1448.445,"end":1450.5701,"sentiment":"neutral","sentiment_score":0.23992258310317993}],"sentiment":"neutral","sentiment_score":0.23685108840857683,"channel":0,"num_words":76,"start":1429.2201,"end":1450.5701},{"sentences":[{"text":"Perfect.","start":1450.12,"end":1450.52,"sentiment":"positive","sentiment_score":0.6469576358795166},{"text":"Thanks.","start":1450.52,"end":1450.935,"sentiment":"positive","sentiment_score":0.610904335975647}],"sentiment":"positive","sentiment_score":0.6289309859275818,"channel":1,"num_words":2,"start":1450.12,"end":1450.935},{"sentences":[{"text":"Yes.","start":1451.27,"end":1451.77,"sentiment":"neutral","sentiment_score":0.3150783181190491},{"text":"Beautiful.","start":1451.8301,"end":1452.3301,"sentiment":"positive","sentiment_score":0.5575780868530273},{"text":"Am I missing anything with regards to the advice structure?","start":1452.87,"end":1456.47,"sentiment":"neutral","sentiment_score":0.027660867013037205},{"text":"Is there anything else that you guys wanted me to include or add in there?","start":1456.47,"end":1459.93,"sentiment":"neutral","sentiment_score":0.03025226468841235}],"sentiment":"neutral","sentiment_score":0.059372186867727175,"channel":0,"num_words":27,"start":1451.27,"end":1459.93},{"sentences":[{"text":"I don't think so.","start":1461.015,"end":1462.3151,"sentiment":"neutral","sentiment_score":-0.12163966707885265}],"sentiment":"neutral","sentiment_score":-0.12163966707885265,"channel":1,"num_words":4,"start":1461.015,"end":1462.3151},{"sentences":[{"text":"No.","start":1463.145,"end":1463.4651,"sentiment":"neutral","sentiment_score":-0.10910841077566148},{"text":"That's okay.","start":1463.4651,"end":1464.265,"sentiment":"neutral","sentiment_score":0.047026870772242546},{"text":"If anything comes up, you're welcome to let me know.","start":1464.265,"end":1467.005,"sentiment":"neutral","sentiment_score":0.17649482041597367},{"text":"The other thing I just wanted to sort of touch base on, Neil, is your risk profile as well.","start":1467.4651,"end":1472.285,"sentiment":"neutral","sentiment_score":0.017086782345646305},{"text":"We","start":1472.665,"end":1472.905,"sentiment":"neutral","sentiment_score":0.022461090236902237}],"sentiment":"neutral","sentiment_score":0.06354556029493158,"channel":0,"num_words":33,"start":1463.145,"end":1472.905},{"sentences":[{"text":"Yes.","start":1472.87,"end":1473.37,"sentiment":"neutral","sentiment_score":0.1568109691143036}],"sentiment":"neutral","sentiment_score":0.1568109691143036,"channel":1,"num_words":1,"start":1472.87,"end":1473.37},{"sentences":[{"text":"did look at that last year.","start":1472.905,"end":1474.665,"sentiment":"neutral","sentiment_score":0.11978241428732872},{"text":"So with your profile, you're not in a high risk category at the moment, which is really good.","start":1474.665,"end":1480.36,"sentiment":"neutral","sentiment_score":0.14438308775424957},{"text":"That's what we wanna see.","start":1480.36,"end":1481.9,"sentiment":"neutral","sentiment_score":0.2323628693819046},{"text":"Investment wise, you're in a balanced growth environment.","start":1483.0,"end":1488.7799,"sentiment":"neutral","sentiment_score":0.20075631514191628},{"text":"So that's where you generally see about 70% of your super invested in growth assets.","start":1489.24,"end":1494.885,"sentiment":"neutral","sentiment_score":0.18931992252667745}],"sentiment":"neutral","sentiment_score":0.1716394956008746,"channel":0,"num_words":52,"start":1472.905,"end":1494.885},{"sentences":[{"text":"So I think things like Australian shares, international shares, listed property, and also commodities, like gold and silver, and then the other 30% in defensive investments, so things like cash, bonds, fixed interest, lower risk investments, more cash producing.","start":1494.885,"end":1511.4901,"sentiment":"neutral","sentiment_score":0.154449106217959},{"text":"It might even be worthwhile reducing that down a bit more by another 10% to more of the balanced environment, just lowering your risk level a little bit there.","start":1512.51,"end":1522.995,"sentiment":"neutral","sentiment_score":0.1722446398745323},{"text":"Did you want me to look at the risk profile with you as well and maybe readjust that so you're taking a bit less risk in the market whilst we are going into that pension phase?","start":1524.5751,"end":1533.635,"sentiment":"neutral","sentiment_score":0.0044892810595532255}],"sentiment":"neutral","sentiment_score":0.10750215208659378,"channel":0,"num_words":104,"start":1494.885,"end":1533.635},{"sentences":[{"text":"Yes.","start":1534.15,"end":1534.605,"sentiment":"neutral","sentiment_score":0.1764872670173645},{"text":"Yes.","start":1535.005,"end":1535.505,"sentiment":"neutral","sentiment_score":0.21060484647750857}],"sentiment":"neutral","sentiment_score":0.19354605674743652,"channel":1,"num_words":2,"start":1534.15,"end":1535.505},{"sentences":[{"text":"Yep.","start":1535.99,"end":1536.31,"sentiment":"positive","sentiment_score":0.35032209753990173},{"text":"Absolutely.","start":1536.31,"end":1536.81,"sentiment":"positive","sentiment_score":0.5362836122512817},{"text":"What I'll do now, I've got a little questionnaire.","start":1537.11,"end":1539.29,"sentiment":"neutral","sentiment_score":0.2691279699405034},{"text":"It's the same one that you've done the last couple of years.","start":1539.75,"end":1542.39,"sentiment":"neutral","sentiment_score":0.1918062667051951},{"text":"I'll just run through that with you here just to sort of gauge where you're scoring, and we can work out how far we need to adjust that for you.","start":1542.39,"end":1552.5651,"sentiment":"neutral","sentiment_score":0.26246948540210724}],"sentiment":"neutral","sentiment_score":0.2544248528637976,"channel":0,"num_words":53,"start":1535.99,"end":1552.5651},{"sentences":[{"text":"All good.","start":1553.425,"end":1554.165,"sentiment":"positive","sentiment_score":0.5379927158355713},{"text":"So the first one here is have you ever invested in any direct shares or managed funds in your own name before?","start":1554.4651,"end":1561.8201,"sentiment":"neutral","sentiment_score":0.08013096316294237},{"text":"Have you ever owned investments before?","start":1561.8201,"end":1563.92,"sentiment":"neutral","sentiment_score":0.019111662947883207}],"sentiment":"neutral","sentiment_score":0.09845121996477246,"channel":0,"num_words":30,"start":1553.425,"end":1563.92},{"sentences":[{"text":"Years ago with BHP, but that was","start":1566.015,"end":1568.5951,"sentiment":"neutral","sentiment_score":0.022597288446766988}],"sentiment":"neutral","sentiment_score":0.022597288446766988,"channel":1,"num_words":7,"start":1566.015,"end":1568.5951},{"sentences":[{"text":"Yep.","start":1568.78,"end":1569.18,"sentiment":"neutral","sentiment_score":0.05478466674685478},{"text":"Yep.","start":1569.18,"end":1569.5,"sentiment":"neutral","sentiment_score":0.10594692826271056},{"text":"That's okay.","start":1569.5,"end":1570.2401,"sentiment":"neutral","sentiment_score":0.1777278482913971},{"text":"Not a problem.","start":1570.3,"end":1571.1201,"sentiment":"neutral","sentiment_score":0.13130071759223938},{"text":"The next one here's sorry.","start":1571.7401,"end":1573.18,"sentiment":"neutral","sentiment_score":-0.07016516178846359}],"sentiment":"neutral","sentiment_score":0.04660530295222998,"channel":0,"num_words":12,"start":1568.78,"end":1573.18},{"sentences":[{"text":"You're right.","start":1573.18,"end":1573.5801,"sentiment":"neutral","sentiment_score":-0.06827206909656525},{"text":"I apologize.","start":1573.5801,"end":1574.16,"sentiment":"neutral","sentiment_score":-0.11809638887643814}],"sentiment":"neutral","sentiment_score":-0.0931842289865017,"channel":0,"num_words":4,"start":1573.18,"end":1574.16},{"sentences":[{"text":"it.","start":1573.775,"end":1574.255,"sentiment":"neutral","sentiment_score":-0.03303501754999161},{"text":"No.","start":1574.255,"end":1574.655,"sentiment":"neutral","sentiment_score":-0.0686650276184082},{"text":"I was just gonna say I think we may have a few AMP.","start":1574.655,"end":1580.72,"sentiment":"neutral","sentiment_score":-0.033582477615429804}],"sentiment":"neutral","sentiment_score":-0.03588481694459915,"channel":1,"num_words":15,"start":1573.775,"end":1580.72},{"sentences":[{"text":"Okay.","start":1582.165,"end":1582.665,"sentiment":"neutral","sentiment_score":-0.012338100001215936}],"sentiment":"neutral","sentiment_score":-0.012338100001215936,"channel":0,"num_words":1,"start":1582.165,"end":1582.665},{"sentences":[{"text":"I think there's, like it's only a really nominal amount.","start":1583.1,"end":1586.62,"sentiment":"neutral","sentiment_score":-0.046100161224603656},{"text":"It was way like it was almost, like, a hundred years 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3?","start":1800.785,"end":1801.745,"sentiment":"neutral","sentiment_score":0.02089180052280426},{"text":"Yeah.","start":1801.745,"end":1802.145,"sentiment":"neutral","sentiment_score":0.1475280523300171},{"text":"Perfect.","start":1802.145,"end":1802.645,"sentiment":"positive","sentiment_score":0.548777163028717},{"text":"Excellent.","start":1802.945,"end":1803.445,"sentiment":"positive","sentiment_score":0.6063575744628906},{"text":"There we go.","start":1803.985,"end":1804.965,"sentiment":"positive","sentiment_score":0.4336179494857788}],"sentiment":"neutral","sentiment_score":0.2962435599830415,"channel":0,"num_words":9,"start":1800.785,"end":1804.965},{"sentences":[{"text":"You got 50","start":1805.52,"end":1806.34,"sentiment":"neutral","sentiment_score":0.27487701177597046}],"sentiment":"neutral","sentiment_score":0.27487701177597046,"channel":1,"num_words":3,"start":1805.52,"end":1806.34},{"sentences":[{"text":"I'll pop I'll pop you in with a two just because I feel like with 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one.","start":1848.1649,"end":1849.945,"sentiment":"neutral","sentiment_score":-0.02709852671250701}],"sentiment":"neutral","sentiment_score":-0.02709852671250701,"channel":1,"num_words":4,"start":1848.1649,"end":1849.945},{"sentences":[{"text":"Yep.","start":1850.4651,"end":1850.9651,"sentiment":"neutral","sentiment_score":0.06313572824001312},{"text":"Perfect.","start":1851.665,"end":1852.165,"sentiment":"neutral","sentiment_score":0.215828076004982}],"sentiment":"neutral","sentiment_score":0.13948190212249756,"channel":0,"num_words":2,"start":1850.4651,"end":1852.165},{"sentences":[{"text":"Because they're","start":1853.205,"end":1853.6849,"sentiment":"neutral","sentiment_score":0.058112502098083496}],"sentiment":"neutral","sentiment_score":0.058112502098083496,"channel":1,"num_words":2,"start":1853.205,"end":1853.6849},{"sentences":[{"text":"The","start":1853.665,"end":1853.8251,"sentiment":"neutral","sentiment_score":0.00738881528377533}],"sentiment":"neutral","sentiment_score":0.00738881528377533,"channel":0,"num_words":1,"start":1853.665,"end":1853.8251},{"sentences":[{"text":"not","start":1853.6849,"end":1853.845,"sentiment":"neutral","sentiment_score":-0.10077019035816193}],"sentiment":"neutral","sentiment_score":-0.10077019035816193,"channel":1,"num_words":1,"start":1853.6849,"end":1853.845},{"sentences":[{"text":"next one sorry.","start":1853.8251,"end":1855.025,"sentiment":"neutral","sentiment_score":-0.12636634955803552},{"text":"You're 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else.","start":1860.16,"end":1864.4,"sentiment":"neutral","sentiment_score":-0.015508701279759406},{"text":"So","start":1864.4,"end":1864.9,"sentiment":"neutral","sentiment_score":0.05390933156013489}],"sentiment":"neutral","sentiment_score":-0.009197971021587198,"channel":1,"num_words":11,"start":1860.16,"end":1864.9},{"sentences":[{"text":"Yep.","start":1865.2301,"end":1865.7301,"sentiment":"neutral","sentiment_score":0.09520867466926576},{"text":"Absolutely.","start":1865.87,"end":1866.37,"sentiment":"neutral","sentiment_score":0.2766996920108795},{"text":"Perfect.","start":1867.15,"end":1867.65,"sentiment":"positive","sentiment_score":0.3565962016582489},{"text":"The next one here is what sort of reasonable rate of return are you trying to achieve from your portfolio over the longer term?","start":1868.5901,"end":1875.63,"sentiment":"neutral","sentiment_score":0.11509875891109307},{"text":"So the reason we kind of ask this question quite regularly is because everyone wants the best return they can get from their super and from their investments.","start":1875.63,"end":1883.765,"sentiment":"neutral","sentiment_score":0.054350246276174276}],"sentiment":"neutral","sentiment_score":0.09113966687159104,"channel":0,"num_words":55,"start":1865.2301,"end":1883.765},{"sentences":[{"text":"But in order to get the higher levels of return, you do need to be willing to take on a higher level of risk to achieve 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feeling?","start":1906.115,"end":1907.5751,"sentiment":"neutral","sentiment_score":-0.03340396968026956}],"sentiment":"neutral","sentiment_score":0.078173428590669,"channel":0,"num_words":61,"start":1890.73,"end":1907.5751},{"sentences":[{"text":"It's hard to say.","start":1912.165,"end":1913.225,"sentiment":"neutral","sentiment_score":-0.2602902613580227},{"text":"The world's crazy at the moment.","start":1915.27,"end":1917.05,"sentiment":"negative","sentiment_score":-0.37796393036842346},{"text":"Yeah.","start":1917.11,"end":1917.61,"sentiment":"neutral","sentiment_score":-0.07594337314367294}],"sentiment":"neutral","sentiment_score":-0.30771709098057315,"channel":1,"num_words":11,"start":1912.165,"end":1917.61},{"sentences":[{"text":"Yep.","start":1917.155,"end":1917.635,"sentiment":"neutral","sentiment_score":-0.04039819538593292},{"text":"It 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know?","start":1939.6399,"end":1940.2999,"sentiment":"neutral","sentiment_score":-0.01714692823588848},{"text":"So","start":1940.9199,"end":1941.1599,"sentiment":"neutral","sentiment_score":0.030430851504206657}],"sentiment":"neutral","sentiment_score":-0.06941430370968121,"channel":1,"num_words":13,"start":1936.725,"end":1941.1599},{"sentences":[{"text":"Yep.","start":1941.075,"end":1941.575,"sentiment":"neutral","sentiment_score":0.07659512013196945},{"text":"Yep.","start":1941.955,"end":1942.4349,"sentiment":"neutral","sentiment_score":0.1359647810459137},{"text":"Definitely.","start":1942.4349,"end":1942.9349,"sentiment":"neutral","sentiment_score":0.3141438364982605},{"text":"And that's the other thing we do need to think about is as much as retiring now means that you you're accessing your super now, you've got another, you know, twenty or thirty or forty years 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it's more just what we're kinda aiming for in this kind of environment.","start":1982.29,"end":1985.91,"sentiment":"neutral","sentiment_score":0.20337400904723577},{"text":"So would you say four to 6% on a yearly basis would be fairly comfortable for 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10% move one down to see how that looks","start":2162.5598,"end":2166.915,"sentiment":"neutral","sentiment_score":-0.01585895768724955}],"sentiment":"neutral","sentiment_score":-0.01585895768724955,"channel":0,"num_words":13,"start":2162.5598,"end":2166.915},{"sentences":[{"text":"Yes.","start":2166.865,"end":2167.365,"sentiment":"neutral","sentiment_score":-0.03253592923283577}],"sentiment":"neutral","sentiment_score":-0.03253592923283577,"channel":1,"num_words":1,"start":2166.865,"end":2167.365},{"sentences":[{"text":"for the next few months?","start":2166.915,"end":2168.115,"sentiment":"neutral","sentiment_score":-0.0905157446861267},{"text":"And then we can always look to reduce it further if it's not comfortable for 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a lot of our clients, which fantastic.","start":2232.115,"end":2235.56,"sentiment":"positive","sentiment_score":0.6078676896936753},{"text":"So I'll do a lot of research in there for you.","start":2236.1802,"end":2238.34,"sentiment":"positive","sentiment_score":0.5161116394129667}],"sentiment":"positive","sentiment_score":0.4038630085479882,"channel":0,"num_words":72,"start":2220.5952,"end":2238.34},{"sentences":[{"text":"We'll do regular catch ups to make sure everything's working for you, and we can adjust the advice as things change for you.","start":2238.34,"end":2244.34,"sentiment":"positive","sentiment_score":0.3820231116336325},{"text":"Because I want this to work for you now, but I wanna make sure it lasts for you as well.","start":2244.34,"end":2249.315,"sentiment":"positive","sentiment_score":0.5026084899902343},{"text":"Yeah.","start":2249.455,"end":2249.775,"sentiment":"neutral","sentiment_score":0.23597705364227295},{"text":"You've got a long time to go on 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through the things that we've gone through and discussed.","start":2266.07,"end":2268.3298,"sentiment":"neutral","sentiment_score":0.20339874787764115},{"text":"I'll just also get send the budget planner out for you.","start":2268.95,"end":2272.15,"sentiment":"neutral","sentiment_score":0.2102849009362134},{"text":"I'll also send through the instructions on how to get the Centrelink application that's being submitted through myGov.","start":2272.15,"end":2278.955,"sentiment":"neutral","sentiment_score":0.22185864216751522}],"sentiment":"neutral","sentiment_score":0.21604679185047485,"channel":0,"num_words":57,"start":2261.75,"end":2278.955},{"sentences":[{"text":"And if you can send me a statement as well as the application details, I can go and have a look at everything.","start":2279.255,"end":2284.635,"sentiment":"neutral","sentiment_score":0.2258792934210404},{"text":"If I do have additional questions, either myself or my admin team member, Michelle, would touch base and, you know, 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yeah.","start":2392.145,"end":2393.2048,"sentiment":"neutral","sentiment_score":0.21326782554388046}],"sentiment":"neutral","sentiment_score":0.26978058017352047,"channel":0,"num_words":34,"start":2384.27,"end":2393.2048},{"sentences":[{"text":"Thank 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was that, Neil?","start":2397.585,"end":2398.4648,"sentiment":"neutral","sentiment_score":0.004829155746847391},{"text":"Sorry.","start":2398.4648,"end":2398.9648,"sentiment":"neutral","sentiment_score":-0.044748686254024506}],"sentiment":"neutral","sentiment_score":0.0013884507740537326,"channel":0,"num_words":6,"start":2395.345,"end":2398.9648},{"sentences":[{"text":"Bart used to do that for us.","start":2399.415,"end":2400.78,"sentiment":"neutral","sentiment_score":-0.0033047361565487726}],"sentiment":"neutral","sentiment_score":-0.0033047361565487726,"channel":1,"num_words":7,"start":2399.415,"end":2400.78},{"sentences":[{"text":"Yeah.","start":2401.84,"end":2402.34,"sentiment":"neutral","sentiment_score":0.042949043214321136},{"text":"Yeah.","start":2402.48,"end":2402.98,"sentiment":"neutral","sentiment_score":0.060293473303318024},{"text":"Well, Bart trained me, so, hopefully, I'm half as good as him.","start":2403.04,"end":2406.34,"sentiment":"neutral","sentiment_score":0.12561840688188872}],"sentiment":"neutral","sentiment_score":0.11504738565002169,"channel":0,"num_words":14,"start":2401.84,"end":2406.34},{"sentences":[{"text":"Yeah.","start":2406.78,"end":2407.28,"sentiment":"neutral","sentiment_score":0.011326473206281662},{"text":"He didn't sit in the now.","start":2407.82,"end":2409.84,"sentiment":"neutral","sentiment_score":-0.00174135179258883}],"sentiment":"neutral","sentiment_score":0.00012548035010695457,"channel":1,"num_words":7,"start":2406.78,"end":2409.84},{"sentences":[{"text":"He does.","start":2410.64,"end":2411.44,"sentiment":"neutral","sentiment_score":0.036482520401477814},{"text":"He does.","start":2411.44,"end":2412.16,"sentiment":"neutral","sentiment_score":0.03347881883382797},{"text":"Bart does all the the owner stuff, all the compliance things, talking to and all the bits and pieces to keep the business running.","start":2412.16,"end":2419.365,"sentiment":"neutral","sentiment_score":0.20734851993620396},{"text":"So his job is very important.","start":2419.5051,"end":2422.0051,"sentiment":"neutral","sentiment_score":0.12484127531449},{"text":"But, no,","start":2422.225,"end":2422.965,"sentiment":"neutral","sentiment_score":-0.040264920331537724}],"sentiment":"neutral","sentiment_score":0.16068902689342698,"channel":0,"num_words":36,"start":2410.64,"end":2422.965},{"sentences":[{"text":"Otherwise,","start":2423.735,"end":2424.235,"sentiment":"neutral","sentiment_score":-0.0945933535695076}],"sentiment":"neutral","sentiment_score":-0.0945933535695076,"channel":1,"num_words":1,"start":2423.735,"end":2424.235},{"sentences":[{"text":"looking forward","start":2423.985,"end":2424.625,"sentiment":"neutral","sentiment_score":-0.01811867579817772}],"sentiment":"neutral","sentiment_score":-0.01811867579817772,"channel":0,"num_words":2,"start":2423.985,"end":2424.625},{"sentences":[{"text":"you don't.","start":2424.375,"end":2425.0352,"sentiment":"neutral","sentiment_score":-0.08154924586415291}],"sentiment":"neutral","sentiment_score":-0.08154924586415291,"channel":1,"num_words":2,"start":2424.375,"end":2425.0352},{"sentences":[{"text":"to put sorry.","start":2424.625,"end":2426.325,"sentiment":"neutral","sentiment_score":-0.036478614434599876},{"text":"Yeah.","start":2427.025,"end":2427.345,"sentiment":"neutral","sentiment_score":0.11274993419647215},{"text":"That's right.","start":2427.345,"end":2428.245,"sentiment":"neutral","sentiment_score":0.3160601705312729},{"text":"That's exactly right.","start":2430.39,"end":2431.67,"sentiment":"positive","sentiment_score":0.4414689640204112},{"text":"No.","start":2431.67,"end":2432.15,"sentiment":"neutral","sentiment_score":0.03345111012458801}],"sentiment":"neutral","sentiment_score":0.199329243414104,"channel":0,"num_words":10,"start":2424.625,"end":2432.15},{"sentences":[{"text":"All good.","start":2432.15,"end":2432.89,"sentiment":"neutral","sentiment_score":0.2320237159729004},{"text":"Well, what I'll do is I'll put this advice together.","start":2433.03,"end":2434.8699,"sentiment":"neutral","sentiment_score":0.27615436166524887},{"text":"We'll come back and have a really good chat about it on the thirteenth.","start":2434.8699,"end":2437.8499,"sentiment":"positive","sentiment_score":0.3800285756587982},{"text":"In the meantime, I'll get that email through to you.","start":2438.0698,"end":2440.31,"sentiment":"neutral","sentiment_score":0.20600851029157638},{"text":"And if you either if you find you have any additional questions, please let me know.","start":2440.31,"end":2444.3298,"sentiment":"neutral","sentiment_score":0.136807675473392}],"sentiment":"neutral","sentiment_score":0.24605767342906731,"channel":0,"num_words":52,"start":2432.15,"end":2444.3298},{"sentences":[{"text":"In my world, there is no such thing as a silly question.","start":2444.925,"end":2447.165,"sentiment":"neutral","sentiment_score":-0.04246867727488279},{"text":"If there's something you need answered, you're welcome to shoot me an email, give me a call, and I'll make sure I answer it for you.","start":2447.165,"end":2453.245,"sentiment":"neutral","sentiment_score":0.2095289949614268},{"text":"Okay?","start":2453.245,"end":2453.745,"sentiment":"neutral","sentiment_score":0.15232400596141815}],"sentiment":"neutral","sentiment_score":0.13052445506820312,"channel":0,"num_words":39,"start":2444.925,"end":2453.745},{"sentences":[{"text":"Perfect.","start":2454.405,"end":2454.885,"sentiment":"positive","sentiment_score":0.7310689687728882},{"text":"Thank you so much.","start":2454.885,"end":2456.1,"sentiment":"positive","sentiment_score":0.8299916982650757},{"text":"Thank you, Dana.","start":2456.1802,"end":2457.0,"sentiment":"positive","sentiment_score":0.8075193961461385}],"sentiment":"positive","sentiment_score":0.8091992437839508,"channel":1,"num_words":8,"start":2454.405,"end":2457.0},{"sentences":[{"text":"My pleasure.","start":2457.6702,"end":2458.49,"sentiment":"positive","sentiment_score":0.8341859579086304},{"text":"I hope you both have a lovely day.","start":2458.55,"end":2460.55,"sentiment":"positive","sentiment_score":0.8218917399644852},{"text":"Camille, it was amazing to meet you.","start":2460.55,"end":2462.1501,"sentiment":"positive","sentiment_score":0.8688617433820452},{"text":"It's good to talk to you finally.","start":2462.1501,"end":2463.69,"sentiment":"positive","sentiment_score":0.8645050525665283}],"sentiment":"positive","sentiment_score":0.8490447252988815,"channel":0,"num_words":24,"start":2457.6702,"end":2463.69},{"sentences":[{"text":"Thank you.","start":2464.98,"end":2465.8,"sentiment":"positive","sentiment_score":0.8061624765396118}],"sentiment":"positive","sentiment_score":0.8061624765396118,"channel":1,"num_words":2,"start":2464.98,"end":2465.8},{"sentences":[{"text":"My pleasure.","start":2466.47,"end":2467.19,"sentiment":"positive","sentiment_score":0.792153388261795},{"text":"Enjoy your day, guys.","start":2467.19,"end":2468.31,"sentiment":"positive","sentiment_score":0.7675165981054306},{"text":"I'll talk to you soon.","start":2468.31,"end":2469.45,"sentiment":"positive","sentiment_score":0.5787278652191162}],"sentiment":"positive","sentiment_score":0.6861829540946267,"channel":0,"num_words":11,"start":2466.47,"end":2469.45},{"sentences":[{"text":"Absolutely.","start":2469.759,"end":2470.259,"sentiment":"positive","sentiment_score":0.6267428398132324},{"text":"Thank you, Jenna.","start":2470.719,"end":2471.5989,"sentiment":"positive","sentiment_score":0.6722546815872192},{"text":"Bye bye.","start":2471.5989,"end":2472.3389,"sentiment":"neutral","sentiment_score":0.29780128598213196}],"sentiment":"positive","sentiment_score":0.539851576089859,"channel":1,"num_words":6,"start":2469.759,"end":2472.3389},{"sentences":[{"text":"K.","start":2472.0488,"end":2472.129,"sentiment":"neutral","sentiment_score":0.12611834704875946},{"text":"See you later.","start":2472.129,"end":2472.8489,"sentiment":"neutral","sentiment_score":0.25942624111970264},{"text":"Bye.","start":2472.8489,"end":2473.3489,"sentiment":"neutral","sentiment_score":0.17358076572418213}],"sentiment":"neutral","sentiment_score":0.2155955672264099,"channel":0,"num_words":5,"start":2472.0488,"end":2473.3489},{"sentences":[{"text":"Bye.","start":2473.5989,"end":2474.0989,"sentiment":"neutral","sentiment_score":-0.08660103380680084}],"sentiment":"neutral","sentiment_score":-0.08660103380680084,"channel":1,"num_words":1,"start":2473.5989,"end":2474.0989}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with Neil to discuss his loan application and discuss potential savings. They suggest a budget planner and a budget budgeting tool to help him save money on his living expenses. The speakers also discuss risk tolerance and the importance of maintaining a low-risk investment portfolio. They plan to follow up with Neil and provide more information and instructions."},"intents":{"segments":[{"text":"I had you booked in just to have a bit of a follow-up conversation from our chat last week. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep.","start_word":48,"end_word":97,"intents":[{"intent":"Request callback","confidence_score":0.016929112}]},{"text":"I can look at now what you guys need to live on, and we can start by drawing a higher level of income now.","start_word":944,"end_word":967,"intents":[{"intent":"Calculate income needs","confidence_score":0.039036572}]},{"text":"So, yeah, we wanna sort of understand how much you need to how much you both need to earn together to cover all your regular living expenses, your, you know, currently, your mortgage payments, that'll all change shortly. But Yep.","start_word":1221,"end_word":1260,"intents":[{"intent":"Calculate expenses and budget","confidence_score":0.0009773971}]},{"text":"Just so I understand how much you need to live on on a weekly basis, and then I can sort of factor in your wage, And then we can work out how much the drawdown from super needs to be.","start_word":1371,"end_word":1410,"intents":[{"intent":"Calculate drawdown","confidence_score":0.10782776}]},{"text":"Just so I understand how much you need to live on on a weekly basis, and then I can sort of factor in your wage, And then we can work out how much the drawdown from super needs to be. Alright.","start_word":1371,"end_word":1411,"intents":[{"intent":"Understand requirements","confidence_score":0.004571785},{"intent":"Provide income estimate","confidence_score":0.0009033981}]},{"text":"What I would probably also wanna look at doing, Neil, if you're comfortable, is moving at the moment, you're in accumulation phase. And because you're applying for age pension when you turn 67, all of that is fully accessible. So I probably wanna look at moving you out of the accumulation phase and into the pension phase because inside pension phase, there's no income tax and no capital gains.","start_word":1411,"end_word":1479,"intents":[{"intent":"Consider moving out of accumulation phase","confidence_score":0.09477818}]},{"text":"And because you're applying for age pension when you turn 67, all of that is fully accessible.","start_word":1433,"end_word":1449,"intents":[{"intent":"Inquire about age pension","confidence_score":0.000026802125}]},{"text":"Are you open to me looking at that for you as well, Neil? Yes.","start_word":1498,"end_word":1511,"intents":[{"intent":"Discuss working options","confidence_score":0.0036736897}]},{"text":"So what I'll do after the call, if you like, I'll send you an email. If you can send through a copy of the updated statement showing how much you need to draw to cover the cost of the mortgage, just make that free and clear. Yep.","start_word":1698,"end_word":1744,"intents":[{"intent":"Send email with statement","confidence_score":0.03073725}]},{"text":"And I will also send you the budget planner.","start_word":1745,"end_word":1753,"intents":[{"intent":"Send budget planner","confidence_score":0.683418}]},{"text":"And the good thing about the budget plan that we use is that it doesn't matter if your bills come out weekly, fortnightly, monthly, or quarterly.","start_word":1795,"end_word":1820,"intents":[{"intent":"Confirm budget plan","confidence_score":0.2538608}]},{"text":"And can I double check your income?","start_word":1895,"end_word":1901,"intents":[{"intent":"Double check income","confidence_score":0.0062703867}]},{"text":"If you were to sort of put your income into maybe just a regular amount, How much would you say you do get on a regular basis?","start_word":2153,"end_word":2179,"intents":[{"intent":"Clarify income and expenses","confidence_score":0.00006844112}]},{"text":"What just value to use if you guys had to sell those vehicles tomorrow, what's the value would you put on it? What would you want for it?","start_word":2494,"end_word":2521,"intents":[{"intent":"Inquire about value of vehicles","confidence_score":0.019705951},{"intent":"Express concern about potential value","confidence_score":0.0000012169247}]},{"text":"Well, yeah, they don't even make them anymore. It's 2,000 both mine's a 2,012 model and Camilla's Mhmm. is 13. So I suppose if you could get over over $10 for them. 8 to 10 maybe.","start_word":2521,"end_word":2556,"intents":[{"intent":"Explain price of vehicles","confidence_score":0.0029917406}]},{"text":"It's 2,000 both mine's a 2,012 model and Camilla's Mhmm. is 13. So I suppose if you could get over over $10 for them. 8 to 10 maybe. Yeah.","start_word":2529,"end_word":2557,"intents":[{"intent":"Explain valuation of vehicles","confidence_score":0.0026788895}]},{"text":"Any other assets that may you may have there? Any other cars, boats, caravans, anything else of value?","start_word":2620,"end_word":2637,"intents":[{"intent":"Ask about other assets","confidence_score":0.02459283}]},{"text":"Did you what did you sort of have or noted for settling for content? Let me check contents.","start_word":2652,"end_word":2669,"intents":[{"intent":"Inquire about contents of vehicles","confidence_score":0.016822824}]},{"text":"What the value of content?","start_word":2670,"end_word":2674,"intents":[{"intent":"Inquire about value of content","confidence_score":0.0122056715}]},{"text":"Do you have a breakdown or a copy of the application that was submitted?","start_word":2911,"end_word":2924,"intents":[{"intent":"Request breakdown","confidence_score":0.0077946642}]},{"text":"If I was to as part of the email, if you could email me a copy of that, I can have a look at everything that's being submitted for you, and then I can kind of do the math, and that'll help with the advice and work out what the estimated Centrelink entitlement might look like for you guys. Alright.","start_word":2928,"end_word":2987,"intents":[{"intent":"Provide information","confidence_score":0.11357062}]},{"text":"When Camilla, when it came to your income, did it ask for the average income you were earning on a regular basis, or did it what did it sort of ask you in relation to that? Yeah.","start_word":3032,"end_word":3068,"intents":[{"intent":"Ask about income","confidence_score":0.04455283}]},{"text":"What I'll get you to know if it's okay is I'll send you an email shortly there, Neil, just if you can grab me the statement. I'll send you, like, the budget plan to fill out, and please let me know if you have any trouble filling that out because I'm more than happy to, you know, talk you through it. Yes.","start_word":3135,"end_word":3196,"intents":[{"intent":"Inquire about budget plan","confidence_score":0.00917241}]},{"text":"And if you can send me just a copy of the the details on the Centrelink application, then I can kinda go forward, and I could do a review of your super.","start_word":3197,"end_word":3228,"intents":[{"intent":"Request copy of centrelink application details","confidence_score":0.024221903}]},{"text":"anything else goal wise in the medium term that might be important to to both of you that you might wanna access funds for in the short term?","start_word":3309,"end_word":3336,"intents":[{"intent":"Access funds","confidence_score":0.39398828},{"intent":"Access funds","confidence_score":0.38254854}]},{"text":"Neil, you know you can call me at any time, and I'll always take the call or call you straight back. If you get stuck, have any questions, need any help finding anything, let me know. Okay.","start_word":3550,"end_word":3586,"intents":[{"intent":"Transfer call","confidence_score":0.0018816488}]},{"text":"What I'd like to probably also do, Neil, is I'm just sort of having a look at your investments inside super.","start_word":3623,"end_word":3643,"intents":[{"intent":"Review investments","confidence_score":0.15382928}]},{"text":"I am sort of noticing that there is one investment in your super that has it's whilst it's still performing really well, has underperformed a little bit. So I would like to maybe look at maneuvering that out and getting rid of it and replace it with something that's performing a bit better.","start_word":3668,"end_word":3720,"intents":[{"intent":"Replace investment","confidence_score":0.2123248}]},{"text":"There's actually some other investments which create better diversification, can help to lower the risk of your portfolio, but are also cheaper and have performed a bit better than banner longs.","start_word":3860,"end_word":3890,"intents":[{"intent":"Discuss portfolio","confidence_score":0.0049227895},{"intent":"Discuss portfolio diversification","confidence_score":0.004513116},{"intent":"Discuss pension phase","confidence_score":0.23356773}]},{"text":"You can have a look at the recommendations. I'll run you through what I'm recommending, how and why, the advantages, disadvantages, the risks involved, and then you get to take it back, have a bit of a read over it. Let me know if you have any questions and decide what you're comfortable taking on board. How does that sound? Perfect.","start_word":4077,"end_word":4137,"intents":[{"intent":"Discuss investment recommendations","confidence_score":0.019087369}]},{"text":"Did you want me to look at the risk profile with you as well and maybe readjust that so you're taking a bit less risk in the market whilst we are going into that pension phase? Yes.","start_word":4325,"end_word":4361,"intents":[{"intent":"Understand risk profile and adjust risk","confidence_score":0.0012998561}]},{"text":"So the first one here is have you ever invested in any direct shares or managed funds in your own name before? Have you ever owned investments before?","start_word":4417,"end_word":4444,"intents":[{"intent":"Understand investment history","confidence_score":0.007481852}]},{"text":"it's only one nominal, like Yeah. I don't even know if we even earn anything on them. But I suppose you would be. If they're sitting there like, they have been just sitting there in the background for, like, years. Okay. Interesting.","start_word":4542,"end_word":4583,"intents":[{"intent":"Understand ampli's wealth","confidence_score":0.00028744506}]},{"text":"The I'll see what I can I'll see what I can find out for you. Yep.","start_word":4685,"end_word":4700,"intents":[{"intent":"Obtain information","confidence_score":0.004032038}]},{"text":"So when you're wanting to access your capital, admittedly, you are wanting to start drawing an income as soon as possible because you need to, you know, pay your bills and whatnot. So I'm putting in less than two years, which is the the lowest option I've got. Okay? Yes.","start_word":4882,"end_word":4931,"intents":[{"intent":"Access capital","confidence_score":0.043864485}]},{"text":"The next one here is asking about how you feel about risk. So how do you feel essentially, when you think about your super and how much you have in super there, how do you feel about taking on more risk to get greater potential returns?","start_word":4933,"end_word":4978,"intents":[{"intent":"Discuss risks","confidence_score":0.003699156}]},{"text":"The next one here is asking about how you feel about risk. So how do you feel essentially, when you think about your super and how much you have in super there, how do you feel about taking on more risk to get greater potential returns? If you sort of thought about risk as a number between one and five, five being taking heaps of risk, a 100% in shares in the market, and one being no risk at all.","start_word":4933,"end_word":5012,"intents":[{"intent":"Review risk profile","confidence_score":4.9707126e-7}]},{"text":"Are you a bit concerned calling me and having a chat about what's going on globally in the markets, or are you feeling like cementing the losses and taking the money out because you're very concerned? Probably the second one.","start_word":5181,"end_word":5220,"intents":[{"intent":"Discuss market changes","confidence_score":0.0036461118}]},{"text":"I guess, you know, like, at the end of the day, we have to just we have to be mindful, you know, like that we could potentially have, you know, another twenty five years each, you know, like, Mhmm. the that we need to be able to survive comfortably. You know? So Yep.","start_word":5420,"end_word":5472,"intents":[{"intent":"Evaluate retirement planning","confidence_score":0.011850773}]},{"text":"With the portfolio you're in now, we kinda went through what that looks like. But in that moderate sort of area, you're looking at reducing it down to either a balanced or a more defensive environment.","start_word":5784,"end_word":5819,"intents":[{"intent":"Reduce portfolio risk","confidence_score":0.17665617},{"intent":"Discuss portfolio types","confidence_score":0.034749508},{"intent":"Discuss portfolio options","confidence_score":0.024698885}]},{"text":"With the portfolio you're in now, we kinda went through what that looks like. But in that moderate sort of area, you're looking at reducing it down to either a balanced or a more defensive environment. So the balanced portfolio generally sees around about 50 to 60% of your super investing growth assets, so things like Australian shares, international shares, property, and commodities again there for you.","start_word":5784,"end_word":5850,"intents":[{"intent":"Understand portfolio balance","confidence_score":0.004596065}]},{"text":"What sort of level or what sort of portfolio would you like to see your funds invested in?","start_word":6071,"end_word":6088,"intents":[{"intent":"Explore portfolio options","confidence_score":0.087106295},{"intent":"Explore portfolio portfolio options","confidence_score":0.009969378},{"intent":"Discuss portfolio levels","confidence_score":0.049463693}]},{"text":"Well, what I'll do now is I'll send through a bit of a recap email. Just going through the things that we've gone through and discussed. I'll just also get send the budget planner out for you. I'll also send through the instructions on how to get the Centrelink application that's being submitted through myGov.","start_word":6433,"end_word":6487,"intents":[{"intent":"Share information and plan","confidence_score":0.000003849847}]},{"text":"And then if you like, we can make a time in about two weeks to come back and provide that advice. Is that okay? Yeah.","start_word":6539,"end_word":6563,"intents":[{"intent":"Schedule appointment","confidence_score":0.43093815}]}]},"sentiments":{"segments":[{"text":"Hello? Hey, Neil. It's Dana from Oakview Financial. How are you? Sorry about that. I slept in. Oh, you're fine.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.1118260622024536},{"text":"You're not a problem at all.","start_word":20,"end_word":25,"sentiment":"positive","sentiment_score":0.3934418261051178},{"text":"I'm running a little bit late today as well, so do not worry in any way, shape, or form. Alright.","start_word":26,"end_word":45,"sentiment":"neutral","sentiment_score":0.18598805367946625},{"text":"All good.","start_word":46,"end_word":47,"sentiment":"positive","sentiment_score":0.4968429505825043},{"text":"I had you booked in just to have a bit of a follow-up conversation from our chat last week. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Yep.","start_word":48,"end_word":98,"sentiment":"neutral","sentiment_score":0.20100077986717224},{"text":"Fantastic.","start_word":99,"end_word":99,"sentiment":"positive","sentiment_score":0.6030377149581909},{"text":"And just to do security, we're just discussing your personal information. So I'll get you to confirm your full name, date of birth, and address I should have on file. Neil Owen, '2 Yep. 05 up or 16 Paper Bar close point up.","start_word":100,"end_word":142,"sentiment":"neutral","sentiment_score":0.15233342349529266},{"text":"Perfect. Thank you so much for that.","start_word":143,"end_word":149,"sentiment":"positive","sentiment_score":0.6197121739387512},{"text":"How did you go with the application for Centrelink? Is it all submitted now? Yeah. It's going in. I haven't heard Yep. anything. I just received a email this morning. There was an email this morning that I got my senior's card. Okay. Perfect. So things are rolling along. I gotta still Yeah. go to my sister's place and do some more. So, yeah, I gotta do the DOT one where I get Okay. registration and licensing and that sort of stuff. Yep. Yep. So, yeah, it's flooding along. It's I don't get it till June anyway, so I I I suppose I can't use them until I actually get my pension. I'm not sure how it works. Well, the seniors card should all work now. If you've got Alright. it, you're eligible for it. So you should be fine to use that now. It's Yep. more just the health care card that comes with having age pension. That all kind of comes through once you've got the approval. Yep. Yeah.","start_word":150,"end_word":320,"sentiment":"neutral","sentiment_score":0.0227906946092844},{"text":"Fantastic. It's all moving along. That's really good to hear.","start_word":321,"end_word":330,"sentiment":"positive","sentiment_score":0.629281759262085},{"text":"With your are you needing to sort of take anything out of super at the moment? Are you just wanting to leave everything in super and have it continue to grow for the moment? Or what's your thoughts with super? I've got my wife here. Yeah.","start_word":331,"end_word":376,"sentiment":"neutral","sentiment_score":0.05906310288802437},{"text":"Hi, Dana.","start_word":377,"end_word":378,"sentiment":"positive","sentiment_score":0.33632564544677734},{"text":"I'm Camilla.","start_word":379,"end_word":380,"sentiment":"neutral","sentiment_score":0.27987027168273926},{"text":"How Hi. are you going? I'm lovely to meet you. How are you? Good. Yeah.","start_word":381,"end_word":395,"sentiment":"positive","sentiment_score":0.5744867920875549},{"text":"Yeah. Look. I guess, Dana, our main thing probably is getting advice on whether we, like, we get a payout figure and pay off the last bit of the month. Okay. Yes. Yeah. I think that's probably our thing at Okay. the Yeah. I can do that. moment. And and also, I suppose once once we know well, other what people do what they normally do is do you normally do they normally draw, like, a part part sort of a a weight off of the super to the amount, you know, like to I don't know. What what do people normally do? Yeah. So there's a couple of things. It really just depends on the circumstances you guys are at. So what we can do with the advice is we can focus on drawing out what you guys need to pay down the mortgage completely. I'll just get used to if you can describe me, like, a a statement or a payout figure. There's something showing how much you have owing left on the mortgage, and we can look at doing that. Yep. The benefit of doing it that way is that whilst you are taking a little bit out of Neil's Super at the moment, you're putting it onto the mortgage. And the mortgage for Centrelink purposes is all the houses exempt. So that money going on to pay down the mortgage is going towards the property, which exempts that money, which reduces a little bit of the super so you can update your balance with Centrelink, and that should hopefully help to increase the benefit amount a little bit. But when it comes to drawing down, what we kinda wanna look at is what do you need to live on on a weekly basis or a fortnightly basis depending on your circumstances, how much you're bringing home on a regular basis from work, but then also how much you're getting from or how much you're gonna get from Centrelink, and then we can work out how much you need to draw down from Super to replenish that income amount if that makes sense. Yes. It does. Yep.","start_word":396,"end_word":755,"sentiment":"neutral","sentiment_score":0.10030289540688196},{"text":"Yeah. Perfect. Alright.","start_word":756,"end_word":758,"sentiment":"positive","sentiment_score":0.4670217037200928},{"text":"So So with you're right. Sorry. no. I was just gonna say, so for the moment, it's if I get a I'll get the a statement from from the bank. Yep. And then yeah. Well, I mean, I'm still getting a a fortnightly wage, but it's probably not gonna be enough for us to live as we have been living, if you know what I mean. You know, like Yeah. Yeah. we certainly don't wanna go into it sort of having to think, you know, from week to week. Oh my god. We're just getting we've just got enough to to survive. You know what I mean? Yeah. Yes. So Yes. yeah. So I guess it it we have to also wait to see then how much it's going to actually get as a pension. So Not not necessarily. We can organize and start drawing some money down now. So the advice will take me about a week or two just to put together. So I would probably book you guys back in for another appointment in two weeks to go to the advice. yep. I can look at now what you guys need to live on, and we can start by drawing a higher level of income now. And then I can even, as part of the advice, factor in the Centrelink side of things for you Okay. and estimate how much you're expected to get and then work out when you get that Centrelink how much we can reduce the drawdowns from Superbuy so we can Yep. alter that down the track. And then when you actually get Centrelink, we'll just reconfirm the amount in case it's a bit of a discrepancy, which can happen because I do everything manually, and they use the computer to do all their information. So Yep. if if you're comfortable with me doing it that way, I don't wanna put too much out there and make it too over complex, but there's a lot that I can sort of do in this space to help you guys out a little bit Yep. and factoring in those differences over the next few months if that's easier for you. Yep. Yes, please.","start_word":759,"end_word":1126,"sentiment":"neutral","sentiment_score":0.04133876599371433},{"text":"Yeah? Perfect.","start_word":1127,"end_word":1128,"sentiment":"positive","sentiment_score":0.4973250031471253},{"text":"So how much do you need how much do you guys think you need to live on on, say, a weekly basis at the moment Oh, gosh. or a fortnightly basis? Sorry. Well, on a fortnightly basis, just, you Yeah. know, like like, as a normal, just living with that with bills or is that taking into consideration, you know, like because we've both we've both got, like, private health cover. We've got, Mhmm. you know, obviously, things like rates, motor vehicle, home and contents insurance, regos, vet Mhmm. bills. Yes. Yeah. So, yeah, we wanna sort of understand how much you need to how much you both need to earn together to cover all your regular living expenses, your, you know, currently, your mortgage payments, that'll all change shortly. But Yep. if we factor that in now, even when you pay down the mortgage, that little bit of extra money can help to, you know, provide your eating out or be put away as savings for something down the track. Yes. Yeah. The other thing I can do is, if you like, is I could send you through a a budget planner if you wanted to sit down and maybe go through those expenses and add them into the budget plan to just see what your living comes out like. Yep. Yep. Yeah. Would that be something you'd be open to doing? Or Sure. Yeah. Yeah.","start_word":1129,"end_word":1365,"sentiment":"neutral","sentiment_score":0.1104073002934456},{"text":"Absolutely.","start_word":1366,"end_word":1366,"sentiment":"positive","sentiment_score":0.36262279748916626},{"text":"yeah.","start_word":1367,"end_word":1367,"sentiment":"neutral","sentiment_score":0.3094121813774109},{"text":"Yeah. Perfect.","start_word":1368,"end_word":1369,"sentiment":"positive","sentiment_score":0.4820955693721771},{"text":"Just so I understand how much you need to live on on a weekly basis, and then I can sort of factor in your wage, And then we can work out how much the drawdown from super needs to be. Alright. What I would probably also wanna look at doing, Neil, if you're comfortable, is moving at the moment, you're in accumulation phase. And because you're applying for age pension when you turn 67, all of that is fully accessible. So I probably wanna look at moving you out of the accumulation phase and into the pension phase because inside pension phase, there's no income tax and no capital gains.","start_word":1370,"end_word":1479,"sentiment":"neutral","sentiment_score":0.10620124638080596},{"text":"So you're actually saving money by sitting in pension phase as well as drawing down a regular income.","start_word":1480,"end_word":1497,"sentiment":"positive","sentiment_score":0.3457978069782257},{"text":"Are you open to me looking at that for you as well, Neil? Yes. Yeah. Yep.","start_word":1498,"end_word":1513,"sentiment":"neutral","sentiment_score":0.14607346057891846},{"text":"And Beautiful.","start_word":1514,"end_word":1515,"sentiment":"positive","sentiment_score":0.5616347789764404},{"text":"I when I was doing the pension, the the lady, Vanessa, who did did it for me, she said, oh, you can Yeah. actually you're allowed to work. Yep. She said you Yep. do twenty hours a week. Yep.","start_word":1516,"end_word":1554,"sentiment":"neutral","sentiment_score":0.12470053881406784},{"text":"Yay.","start_word":1555,"end_word":1555,"sentiment":"positive","sentiment_score":0.36194348335266113},{"text":"So they give you you have, like, the work of the work bonus. And so if you do get a job and you are working a certain amount of hours on a a fortnightly basis, they give you a separate assessment. So they reduce the amount of work that or the the money you receive. They assess it slightly differently. And if you're not if you work for a few weeks and don't work for a few weeks, then you accumulate that work bonus there. So you can do some work. There are limitations around how much you can earn and how much you can work and things like that. But, yeah, she's exactly right.","start_word":1556,"end_word":1670,"sentiment":"neutral","sentiment_score":0.050536636263132095},{"text":"You absolutely can take on a little bit of work if you want to.","start_word":1671,"end_word":1684,"sentiment":"positive","sentiment_score":0.3472321927547455},{"text":"Yeah. Alright. Something to look for for Apple?","start_word":1685,"end_word":1692,"sentiment":"neutral","sentiment_score":0.1350996047258377},{"text":"Look forward to absolutely. Absolutely.","start_word":1693,"end_word":1697,"sentiment":"positive","sentiment_score":0.5044649839401245},{"text":"So what I'll do after the call, if you like, I'll send you an email. If you can send through a copy of the updated statement showing how much you need to draw to cover the cost of the mortgage, just make that free and clear. Yep. And I will also send you the budget planner. So if you can just confirm for me just go through, fill it out together. I would suggest that I have a cup of tea, sit down, talk it through, have a bit of a look at what's regularly coming out. And the good thing about the budget plan that we use is that it doesn't matter if your bills come out weekly, fortnightly, monthly, or quarterly. You can work out how much you pay for each of those, and the tab, actually, you can change it. So one bill might be weekly, one bill might be six monthly, Okay. one bill might be yearly. And you can change the tabs, and it automatically recalculates it for you to either a Yes. fortnightly or monthly amount to make it a little bit more consistent for you guys. Okay?","start_word":1698,"end_word":1891,"sentiment":"neutral","sentiment_score":0.17047124732400953},{"text":"Good.","start_word":1892,"end_word":1892,"sentiment":"positive","sentiment_score":0.36380594968795776},{"text":"Yep.","start_word":1893,"end_word":1893,"sentiment":"neutral","sentiment_score":0.29691383242607117},{"text":"Beautiful.","start_word":1894,"end_word":1894,"sentiment":"positive","sentiment_score":0.5286061763763428},{"text":"And can I double check your income? You mentioned that you are working a little bit at the moment, that you are still bringing home an income. Did you want me to maybe factor that into reduce that from the amount you guys need to live on and how much Neil needs to draw out of super? Or did you wanna just keep your income as a secondary a bit of bonus income for, you know, incidentals or fun? I I think so. Because I'm I'm literally, I'm permanent part time. So Yep. my my wage fortnightly wage sort of does fluctuate a little bit Okay. depending on yeah. I'm a I'm a travel agent, and so Yeah. I'll spend a little bit on on commissions. And, yeah, it depends on on how, you know, business week or business Yep. fortnight, Yeah. so to Yep. speak, as how much I get. So, yeah, maybe maybe leave mine as a as a, yeah, as a bonus, I think. As a bonus yeah. No. That's fantastic. And Neil may have mentioned that you've got a trip coming up in a few months to Europe. Yes. Yes. Back back to No.","start_word":1895,"end_word":2092,"sentiment":"neutral","sentiment_score":0.043463584035634995},{"text":"That's fantastic.","start_word":2093,"end_word":2094,"sentiment":"positive","sentiment_score":0.3335331380367279},{"text":"As much as it's probably a hardship, I hope you enjoy it as well.","start_word":2095,"end_word":2108,"sentiment":"neutral","sentiment_score":0.1362704485654831},{"text":"It sounds amazing.","start_word":2109,"end_word":2111,"sentiment":"positive","sentiment_score":0.5634253025054932},{"text":"yeah.","start_word":2112,"end_word":2112,"sentiment":"neutral","sentiment_score":0.12507441639900208},{"text":"We do rewarded pretty well. Yeah. No. That is fantastic. It's always good to have employers that look after you. We all work so hard. Yeah. All good. Well, what I'll do that's perfectly fine. So I can do that.","start_word":2113,"end_word":2152,"sentiment":"positive","sentiment_score":0.5382242798805237},{"text":"If you were to sort of put your income into maybe just a regular amount, How much would you say you do get on a regular basis? Just the one sort of updating everything in the back end for you guys as well. Yeah. So, like, just like an average fortnight? Yeah. Yeah. Yeah. Probably, it look because it can range anywhere from probably around 1,300 to $2. Okay. Perfect. Somewhere in the middle of that would would give a fairly decent average. Yep.","start_word":2153,"end_word":2236,"sentiment":"neutral","sentiment_score":0.0542479045689106},{"text":"Beautiful. Fantastic.","start_word":2237,"end_word":2238,"sentiment":"positive","sentiment_score":0.3909582495689392},{"text":"And I'm just trying to pull up the this isn't working for me. I'm just trying to have a look at what I had down here for assets and liabilities as well just to sort of see if everything is still on track from where we had it last time, but it's not really working for me today. I love the technology. What I'll do the Excel spreadsheet is not opening for me, so I just wanna go through and update all of your assets and liabilities there as well. Just checking what I've got here. The current value of the house, what would you guys put down for current value of the house? We had it valued a few years ago, and that was around $6.50. Yep. Perfect.","start_word":2239,"end_word":2367,"sentiment":"neutral","sentiment_score":-0.02451263554394245},{"text":"Beautiful.","start_word":2368,"end_word":2368,"sentiment":"positive","sentiment_score":0.4169428944587707},{"text":"I can always double check some of the research material we have here if you like and just sort of reconfirm the address and what average value some of the research material might place in it for you. Beautiful. And we're gonna get an updated mortgage statement, which shows the balance. So I can just leave that one blank for the moment. Yeah. Other assets that we have down, how many cars do you have? Two. Beautiful. And what sort of cars are they? One's a a South Ford Falcon sedan and one's a Yep. Ford Falcon boot. Thousand cent and a Ford. Beautiful. And what sort of value would you put on each of those vehicles? What what? Resale value or buy new? What just value to use if you guys had to sell those vehicles tomorrow, what's the value would you put on it? What would you want for it? Well, yeah, they don't even make them anymore. It's 2,000 both mine's a 2,012 model and Camilla's Mhmm. is 13. So I suppose if you could get over over $10 for them. 8 to 10 maybe. Yeah. I I think For eight of them. the fact that these are not being made and You could get a little bit more for them? Yeah. Because Yeah. So and they're both That's in perfect. And they're both in bilingual condition. Yeah.","start_word":2369,"end_word":2599,"sentiment":"neutral","sentiment_score":0.05601250202076518},{"text":"Beautiful. Excellent.","start_word":2600,"end_word":2601,"sentiment":"positive","sentiment_score":0.5473436713218689},{"text":"And you own them both out. Right? There's no loans on either of those vehicles? Nope. Perfect. Excellent. Any other assets that may you may have there? Any other cars, boats, caravans, anything else of value? Not in not not of that nature. No. Nope. That's okay. Perfect. And contents. Did you what did you sort of have or noted for settling for content? Let me check contents. What the value of content? Yeah. What did you put down for the value of content when you did something? I mean, the the funniest thing about doing that day and age, it's stuff's only worth what people are willing to pay. So you know what I mean? Like, we might have, you know, like, a TV that we paid, you know, 1,200 for, and then five months down the track, it might be worth $50 to someone. You know? Like, it's Yes. and I mean, people these days tend to wanna wanna buy new. So Absolutely. What yeah. I'm not sure how you filled out the application for Centrelink, but when I normally help my clients do Centrelink applications, we normally look at making sure everything's on fire sale value. So for Centrelink purposes, we never value contents more than 10,000 for a couple. Yes. However, when you consider your content insurance, obviously, the the value of things is gonna be greatly higher. But we looked at FireSafe values for Centrelink valuation. Yes. Yes. Yeah. So yeah. No. I wouldn't put it in any higher than that then. Yep.","start_word":2602,"end_word":2859,"sentiment":"neutral","sentiment_score":-0.0012151073274570842},{"text":"Beautiful.","start_word":2860,"end_word":2860,"sentiment":"positive","sentiment_score":0.6023721694946289},{"text":"Do you remember what if you'd put 10,000 or more on the content to send link to the application? I don't think that question came up. It must have at some point. Yeah. I'll have Do to ring you this. have Oh, yeah. Sorry. what were you gonna say, Dana? Do you have a breakdown or a copy of the application that was submitted? Yep. Okay. Yeah. If I was to as part of the email, if you could email me a copy of that, I can have a look at everything that's being submitted for you, and then I can kind of do the math, and that'll help with the advice and work out what the estimated Centrelink entitlement might look like for you guys. Alright. That's part of it. Yep. Let me pay.","start_word":2861,"end_word":2995,"sentiment":"neutral","sentiment_score":0.057583972811698914},{"text":"Perfect.","start_word":2996,"end_word":2996,"sentiment":"positive","sentiment_score":0.43929022550582886},{"text":"So settling entitlement might look like.","start_word":2997,"end_word":3002,"sentiment":"neutral","sentiment_score":0.1996808797121048},{"text":"Beautiful.","start_word":3003,"end_word":3003,"sentiment":"positive","sentiment_score":0.4816448986530304},{"text":"Yes. So I can run through and have a look at all the assets that you've noted, what the values are, work out the estimated entitlement for you. When Camilla, when it came to your income, did it ask for the average income you were earning on a regular basis, or did it what did it sort of ask you in relation to that? Yeah. It did ask for an average. And I think I put down I think I put down about 1,200 Okay. because it literally, like, one pay here was, like, 1,158, and then the next one was, like, 1,380. And then but yeah. So there was, you know, it was up and down, up and down. Yeah. Yeah. Yeah. No. That's okay. Not a problem at all. What I'll get you to know if it's okay is I'll send you an email shortly there, Neil, just if you can grab me the statement.","start_word":3004,"end_word":3160,"sentiment":"neutral","sentiment_score":0.0941261574625969},{"text":"I'll send you, like, the budget plan to fill out, and please let me know if you have any trouble filling that out because I'm more than happy to, you know, talk you through it.","start_word":3161,"end_word":3195,"sentiment":"positive","sentiment_score":0.35329851508140564},{"text":"Yes. And if you can send me just a copy of the the details on the Centrelink application, then I can kinda go forward, and I could do a review of your super. I can look at what you guys might be eligible for Centrelink wise.","start_word":3196,"end_word":3241,"sentiment":"neutral","sentiment_score":0.26181714690249897},{"text":"We can have a look at how to draw down the money so you can start living a little bit more and and getting that regular income draw down from Super as well. And I'll look at that full draw the the one off draw down as well for covering the mortgage. So that's free and clear and one less debt to worry about.","start_word":3242,"end_word":3305,"sentiment":"positive","sentiment_score":0.41042011976242065},{"text":"Is there Yes. anything else goal wise in the medium term that might be important to to both of you that you might wanna access funds for in the short term? No. But, Dana, we don't have a copy of that application. Sorry. So we're just gonna That's so can you remember, was it, like, 2,005 thousand, like, for the value? What we put down? Alright. She probably won't know. She's there. That's okay. That's alright. I can get ahold of my sister and get a because Vindisi would have saved that. I don't think she would have deleted it because it's she deals direct with Centrelink anyway. Yeah. Was it done through your myGov account at all? And yes. Because I had to go on the Wi Fi to do it. Yep.","start_word":3306,"end_word":3438,"sentiment":"neutral","sentiment_score":0.03517720103263855},{"text":"Perfect.","start_word":3439,"end_word":3439,"sentiment":"positive","sentiment_score":0.48540812730789185},{"text":"So if you guys log in to your MyGov account and go into the Centrelink section and go into current claims, in the email if you like, I will add the instructions on how to go in there. You can actually go in and save the application down, and you can sort of see all the all the questions that you answered. Do you want Okay. me to add the the instructions and know how to access that to save it down to maybe send that to me as well? Would that be okay? Yes. Yep. Yep.","start_word":3440,"end_word":3536,"sentiment":"neutral","sentiment_score":0.1734592616558075},{"text":"Beautiful.","start_word":3537,"end_word":3537,"sentiment":"positive","sentiment_score":0.4481077790260315},{"text":"If you get stuck with any of this, please let me know. Neil, you know you can call me at any time, and I'll always take the call or call you straight back. If you get stuck, have any questions, need any help finding anything, let me know. Okay. Okay?","start_word":3538,"end_word":3587,"sentiment":"neutral","sentiment_score":0.10692378878593443},{"text":"Beautiful. Excellent.","start_word":3588,"end_word":3589,"sentiment":"positive","sentiment_score":0.574303388595581},{"text":"Alright. We'll have a look at that. I'll go through the assets. So one for the basic advice, and then please tell me if I'm missing anything, is I'm looking at your super. What I'd like to probably also do, Neil, is I'm just sort of having a look at your investments inside super. I just also wanna maybe have a bit of a look at those and maybe redig them a little bit for you as well. I am sort of noticing that there is one investment in your super that has it's whilst it's still performing really well, has underperformed a little bit. So I would like to maybe look at maneuvering that out and getting rid of it and replace it with something that's performing a bit better. It might also be a bit cheaper for you in investment fees. Would that be okay? Yeah. But Yep. that would be stand along, would it? It is Bennelong. Yes. Yeah. So would love to get rid of that one there.","start_word":3590,"end_word":3761,"sentiment":"neutral","sentiment_score":0.033383527467417164},{"text":"Has it is underperforming a little bit as an investment, so I would like to remove it out of there.","start_word":3762,"end_word":3781,"sentiment":"negative","sentiment_score":-0.419194221496582},{"text":"To give you a little bit of an idea, Banner Long is a managed fund, and they were more of an actively managed fund. So the investment manager there is trying to outperform against the market. And whilst we have seen these ups and downs with what's happening globally at the moment, the investment manager hasn't been able to do that. They've had some underlying issues. So we've gone back and had a little bit of a look. There's actually some other investments which create better diversification, can help to lower the risk of your portfolio, but are also cheaper and have performed a bit better than banner longs. If you're comfortable with me making those changes for you, I'd love to swap that out, put something else in there that's making sure your portfolio is working better for you, maybe rebalance things a little bit for you as well just to make sure you're not taking on too much risk, and then also look at moving you into that pension phase, look at that one off drawdown, look at the regular income drawdowns for you, and, you know, see what we can do to help long term there. Is that okay? Yep.","start_word":3782,"end_word":3984,"sentiment":"neutral","sentiment_score":0.12281240258604437},{"text":"That's fine. Perfect. Thank you, Dana. You that's okay. It's not a problem. It's what I'm here for.","start_word":3985,"end_word":4002,"sentiment":"positive","sentiment_score":0.55487060546875},{"text":"Once I've got an idea of what your income looks like, I'll look at drawing down the income, then I'll also assess, you know, when you're able to start drawing that Centrelink, whether we can reduce the amount a little bit down or whether we don't. And I'll show you with the advice the same as last time. I'll outline it in an advice document, so we'll go through it together page by page. You can have a look at the recommendations. I'll run you through what I'm recommending, how and why, the advantages, disadvantages, the risks involved, and then you get to take it back, have a bit of a read over it. Let me know if you have any questions and decide what you're comfortable taking on board. How does that sound?","start_word":4003,"end_word":4136,"sentiment":"neutral","sentiment_score":0.20422181487083435},{"text":"Perfect. Thanks.","start_word":4137,"end_word":4138,"sentiment":"positive","sentiment_score":0.6289309859275818},{"text":"Yes.","start_word":4139,"end_word":4139,"sentiment":"neutral","sentiment_score":0.3150783181190491},{"text":"Beautiful.","start_word":4140,"end_word":4140,"sentiment":"positive","sentiment_score":0.5575780868530273},{"text":"Am I missing anything with regards to the advice structure? Is there anything else that you guys wanted me to include or add in there? I don't think so. No. That's okay. If anything comes up, you're welcome to let me know. The other thing I just wanted to sort of touch base on, Neil, is your risk profile as well. We Yes. did look at that last year. So with your profile, you're not in a high risk category at the moment, which is really good. That's what we wanna see. Investment wise, you're in a balanced growth environment. So that's where you generally see about 70% of your super invested in growth assets. So I think things like Australian shares, international shares, listed property, and also commodities, like gold and silver, and then the other 30% in defensive investments, so things like cash, bonds, fixed interest, lower risk investments, more cash producing. It might even be worthwhile reducing that down a bit more by another 10% to more of the balanced environment, just lowering your risk level a little bit there. Did you want me to look at the risk profile with you as well and maybe readjust that so you're taking a bit less risk in the market whilst we are going into that pension phase? Yes. Yes.","start_word":4141,"end_word":4361,"sentiment":"neutral","sentiment_score":0.10836418662473088},{"text":"Yep. Absolutely.","start_word":4362,"end_word":4363,"sentiment":"positive","sentiment_score":0.42470669746398926},{"text":"What I'll do now, I've got a little questionnaire. It's the same one that you've done the last couple of years. I'll just run through that with you here just to sort of gauge where you're scoring, and we can work out how far we need to adjust that for you.","start_word":4364,"end_word":4414,"sentiment":"neutral","sentiment_score":0.2463165521621704},{"text":"All good.","start_word":4415,"end_word":4416,"sentiment":"positive","sentiment_score":0.5265254974365234},{"text":"So the first one here is have you ever invested in any direct shares or managed funds in your own name before? Have you ever owned investments before? Years ago with BHP, but that was Yep. Yep. That's okay. Not a problem. The next one here's sorry. You're right. I apologize. it. No. I was just gonna say I think we may have a few AMP. Okay. I think there's, like it's only a really nominal amount. It was way like it was almost, like, a hundred years ago Wow. when it they automatically went into a share thing, and I can't don't even remember, like, what the circumstances were, but it was, like, literally only, like, about 1,200 or something shares. Okay. So Interesting. it's only one nominal, like Yeah. I don't even know if we even earn anything on them. But I suppose you would be. If they're sitting there like, they have been just sitting there in the background for, like, years. Okay. Interesting. This is interesting. I didn't know that. I know Yeah. I Yeah. Don't even think about them because it was something that we never ever, like, you know, went out and actively obtained. You know what I mean? Like, Yeah. it was Yeah. but it's I think it had to do with change of change of I don't know. What do we have what do we have with AMP? We just had a the AMP Bank. Because we had money in the AMP Bank. But That was a new I know. That was yeah. It was a 100 years ago. The I'll see what I can I'll see what I can find out for you. Yep. Yeah.","start_word":4417,"end_word":4700,"sentiment":"neutral","sentiment_score":-0.03375681593332072},{"text":"Yeah. That'd be fabulous. If you can just find a statement or just the number of how many shares you have and when you purchased them, that'd be that'd be great.","start_word":4701,"end_word":4731,"sentiment":"positive","sentiment_score":0.4854220449924469},{"text":"Would have been Just the to eight kind of include It's, like, from the eighties, I think, or wow. it's like before you were born. Look. I'll be honest with you. I'm not as young as you think. I was born in '84, so I am 42 this year. You're only a baby. Oh, thank you. No. It's all good. Yeah.","start_word":4732,"end_word":4792,"sentiment":"neutral","sentiment_score":0.019750742241740227},{"text":"If you can find out any information, that would be fabulous.","start_word":4793,"end_word":4803,"sentiment":"positive","sentiment_score":0.4311745166778565},{"text":"Just to kinda have in the background, and we could also look at, you know, whether you keep them, whether you sell them, what that looks like tax wise for you guys just to Alright. sort of, you know, see what's what's possible for you. Yeah. Which would be me in it. I don't think so. Oh, you never know. He's probably on of it. All good. Now the next question here is asking about the time horizon. So when you're wanting to access your capital, admittedly, you are wanting to start drawing an income as soon as possible because you need to, you know, pay your bills and whatnot. So I'm putting in less than two years, which is the the lowest option I've got. Okay? Yes. Yes. The next one here is asking about how you feel about risk. So how do you feel essentially, when you think about your super and how much you have in super there, how do you feel about taking on more risk to get greater potential returns? If you sort of thought about risk as a number between one and five, five being taking heaps of risk, a 100% in shares in the market, and one being no risk at all. Where do you think you might sit in that category? Tough one. Tough one. We're not we're not real huge risk takers. And if you go Yep. to five, but nothing goes and then something happens and the share market goes belly up. Mhmm. That's probably on the lower scale, Dana. Well, Yep. do a two or three. At $2.00 3? Yeah.","start_word":4804,"end_word":5074,"sentiment":"neutral","sentiment_score":-0.00997719927918599},{"text":"Perfect. Excellent. There we go.","start_word":5075,"end_word":5079,"sentiment":"positive","sentiment_score":0.5096290707588196},{"text":"You got 50 I'll pop I'll pop you in with a two just because I feel like with that, you know, moving into that kind of retirement phase and looking to draw money out as super, being a bit more conservative is never a bad thing. Okay.","start_word":5080,"end_word":5126,"sentiment":"neutral","sentiment_score":0.327872633934021},{"text":"Yes. Perfect. Excellent.","start_word":5127,"end_word":5129,"sentiment":"positive","sentiment_score":0.5562983751296997},{"text":"And the next one here says, how would you feel if you saw your Super four by 20% over the next six months due to what was happening externally in the market? Do you think you'd be wanting to put more money into the investment? It could be a buying opportunity. Are you a bit concerned calling me and having a chat about what's going on globally in the markets, or are you feeling like cementing the losses and taking the money out because you're very concerned? Probably the second one. Yep. Perfect. Because they're The not next one sorry. You're up. in we wouldn't be in a position to, you know, Yeah. like, invest any other, you know, money from somewhere else. So Yep. Absolutely.","start_word":5130,"end_word":5255,"sentiment":"neutral","sentiment_score":0.00199735164642334},{"text":"Perfect.","start_word":5256,"end_word":5256,"sentiment":"positive","sentiment_score":0.3565962016582489},{"text":"The next one here is what sort of reasonable rate of return are you trying to achieve from your portfolio over the longer term? So the reason we kind of ask this question quite regularly is because everyone wants the best return they can get from their super and from their investments. But in order to get the higher levels of return, you do need to be willing to take on a higher level of risk to achieve so. So Yes. are you more comfortable maybe looking at a two, a four, a six, or an 8% return by taking a bit less risk in the market with your super, or are you still wanting to, you know, be comfortable trying to get the best returns you possibly can and take on a bit more risk? How do you think you're feeling? It's hard to say.","start_word":5257,"end_word":5402,"sentiment":"neutral","sentiment_score":0.04483014717698097},{"text":"The world's crazy at the moment.","start_word":5403,"end_word":5408,"sentiment":"negative","sentiment_score":-0.3737286329269409},{"text":"Yeah. Yep. It is. Yeah. More busy than one bloke. I guess, you know, like, at the end of the day, we have to just we have to be mindful, you know, like that we could potentially have, you know, another twenty five years each, you know, like, Mhmm. the that we need to be able to survive comfortably. You know? So Yep. Yep. Definitely. And that's the other thing we do need to think about is as much as retiring now means that you you're accessing your super now, you've got another, you know, twenty or thirty or forty years in Yep. retirement. So you still have a long time to make it last. Yes. You could definitely kinda go in between. I mean, for taking on a lower amount of risk, it's still okay to be looking for, say, four to 6% of a return on a regular basis and trying to aim for that. And that's Yes. kind of middle of the range when we're looking at average returns. I mean, some lower risk portfolios get really great returns, have, you know, 20% returns some years. Some years are a little bit lower. But it's more just what we're kinda aiming for in this kind of environment. So would you say four to 6% on a yearly basis would be fairly comfortable for you? Yeah. Yep. Yep.","start_word":5409,"end_word":5638,"sentiment":"neutral","sentiment_score":0.08132681509722835},{"text":"Beautiful. Excellent.","start_word":5639,"end_word":5640,"sentiment":"positive","sentiment_score":0.6132880449295044},{"text":"The next one here is, again, looking at how you'd feel if your super did take a bit of a dip. I kinda feel by talking to you both that you would be a bit concerned about super taking a large dip and having the value drop considerably. Am I on the right track with that? Yeah. Yep. Perfect. And the last one here is, have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever borrowed the safe property? Only ever to buy the property. Yep. Perfect. And have you ever owned an investment property, or is it just your main PTR, your primary residence? Yeah. Just some primary residence. Yep. Yep. Perfect. Okay. So, Neil, you have definitely scored slightly lower. So you're in that moderate bracket now. With the portfolio you're in now, we kinda went through what that looks like. But in that moderate sort of area, you're looking at reducing it down to either a balanced or a more defensive environment. So the balanced portfolio generally sees around about 50 to 60% of your super investing growth assets, so things like Australian shares, international shares, property, and commodities again there for you. And then the other sort of 30 the 50 to 40 to 50% in defensive low risk investments. The average rate of return we're chasing with this sort of a portfolio is about five to 7%. And because there's always gonna be risk in the market, there's always years where maybe we receive a lower rate of return or negative return. With this kind of portfolio, it's about one in seven years, so it is relatively low risk. It suits someone who has about three years investment time horizon, so you can be in a sort of a portfolio moving into those retirement years. That's moving you down one risk profile from where you are currently. The other option is if you still feel that that's a little bit too high, we can always move you down into more defensive environment, which is basically a whole switch on where you are. And that would be about 25 to 35% in growth assets, and then we have 65 to 75% in defensive lower risk investments. We're chasing a return expected return of around two to 3% with this kind of defensive environment, and the likelihood of a negative return is still kind of one in every seven years with this sort of defensive portfolio as well. How does that make you feel? What sort of level or what sort of portfolio would you like to see your funds invested in? Cricket. Risk profile by maybe 10% move one down to see how that looks Yes. for the next few months? And then we can always look to reduce it further if it's not comfortable for you. Sure. Yeah. Yep.","start_word":5641,"end_word":6127,"sentiment":"neutral","sentiment_score":0.006210635842667468},{"text":"Beautiful.","start_word":6128,"end_word":6128,"sentiment":"positive","sentiment_score":0.3541546165943146},{"text":"Yeah. You're okay with that?","start_word":6129,"end_word":6133,"sentiment":"neutral","sentiment_score":0.23667223751544952},{"text":"Excellent.","start_word":6134,"end_word":6134,"sentiment":"positive","sentiment_score":0.49569737911224365},{"text":"Yeah.","start_word":6135,"end_word":6135,"sentiment":"neutral","sentiment_score":0.30597344040870667},{"text":"Yep. Beautiful.","start_word":6136,"end_word":6137,"sentiment":"positive","sentiment_score":0.4079396426677704},{"text":"Well, what I'll do is I'll go and have a bit of a look at all the investments. I'll do some research around all that for you. I'll come back and show you what that looks like. I know it's a little bit hard with this conversation because it's kinda just all what we're talking about until you actually see the advice document, see what we've put together, and are able to see everything in front of you. It can be a little bit much, so I do apologize about that. But It's no. leave it with me. I was gonna say it's just all new to us. Sorry. You know, like, Yeah. phase of our life. It's, you know, it's not something you really well, I mean, it just creeps up on you, doesn't it? It does. It really does. And this is sort of the area that I love, and I know I'm I'm 42 this year as I kinda mentioned before, but a lot of my work in this in our office is in that retirement space.","start_word":6138,"end_word":6317,"sentiment":"neutral","sentiment_score":0.033467708269341125},{"text":"So I do look at a lot of that for a lot of our clients, which fantastic. So I'll do a lot of research in there for you. We'll do regular catch ups to make sure everything's working for you, and we can adjust the advice as things change for you. Because I want this to work for you now, but I wanna make sure it lasts for you as well.","start_word":6318,"end_word":6388,"sentiment":"positive","sentiment_score":0.4915363490581513},{"text":"Yeah. You've got a long time to go on retirement. You've got a lot that you probably wanna do in that time frame as well.","start_word":6389,"end_word":6413,"sentiment":"neutral","sentiment_score":0.24865014851093292},{"text":"So we'll make sure we're here to support you all the way through that.","start_word":6414,"end_word":6427,"sentiment":"positive","sentiment_score":0.37795984745025635},{"text":"Okay?","start_word":6428,"end_word":6428,"sentiment":"neutral","sentiment_score":0.2180639356374741},{"text":"Yep. Perfect. All good.","start_word":6429,"end_word":6432,"sentiment":"positive","sentiment_score":0.511006772518158},{"text":"Well, what I'll do now is I'll send through a bit of a recap email. Just going through the things that we've gone through and discussed. I'll just also get send the budget planner out for you. I'll also send through the instructions on how to get the Centrelink application that's being submitted through myGov. And if you can send me a statement as well as the application details, I can go and have a look at everything. If I do have additional questions, either myself or my admin team member, Michelle, would touch base and, you know, ask anything else that we possibly need. And then if you like, we can make a time in about two weeks to come back and provide that advice. Is that okay? Yeah.","start_word":6433,"end_word":6562,"sentiment":"neutral","sentiment_score":0.1855527446247064},{"text":"Perfect.","start_word":6563,"end_word":6563,"sentiment":"positive","sentiment_score":0.5120527148246765},{"text":"Can Yep.","start_word":6564,"end_word":6565,"sentiment":"neutral","sentiment_score":0.3151167333126068},{"text":"Perfect.","start_word":6566,"end_word":6566,"sentiment":"positive","sentiment_score":0.5721389055252075},{"text":"Let's make that time for you I now. So in my calendar, Can I get a Wednesday? we can definitely do that. And did you want sort of this time of day I know we're a bit late today. I'm so sorry about that. But did you want kind of 11:30 on a Wednesday? Yeah. Or even a bit earlier, 10:00. Yeah. Absolutely. Not a problem Is that at all. your lunch No. time? Like oh, sorry. That's it is your lunch time. No. No. You're fine. You I honestly have lunch whenever I'm hungry, and these days, I'm not very hungry. Sorry. So it's all good. Let's have a look. So two weeks will put us at the May 13, Yep. and 10AM, I can do I've actually got most of that day free. So did you want 10:00 in the morning and we can go through it to them together? Is that suitable? Yep. Perfect. So that's ten Perfect. o Alcon. Ten Yep. 10:00 your time. That's twelve Alcon.","start_word":6567,"end_word":6737,"sentiment":"neutral","sentiment_score":0.06837442517280579},{"text":"Beautiful.","start_word":6738,"end_word":6738,"sentiment":"positive","sentiment_score":0.4428390264511109},{"text":"o'clock my time. Yeah. Yep.","start_word":6739,"end_word":6743,"sentiment":"neutral","sentiment_score":0.15601930022239685},{"text":"Thank you, Diana.","start_word":6744,"end_word":6746,"sentiment":"positive","sentiment_score":0.3806079924106598},{"text":"That's okay.","start_word":6747,"end_word":6748,"sentiment":"neutral","sentiment_score":0.33026543259620667},{"text":"It's not a problem at all. It's all booked in.","start_word":6749,"end_word":6758,"sentiment":"positive","sentiment_score":0.35947325825691223},{"text":"I've added a text message reminder on there for you, so it'll send you a message an hour prior just reminding you of the appointment. And if anything comes up and you need to change it, just let me know. I'm very flexible, and I do work a lot after hours as well kind of in the evening to make it easier on everyone as well, especially for you guys in WA. So yeah. Thank you. Yeah. Bart That's used okay. What was that, Neil? Sorry. Bart used to do that for us. Yeah. Yeah. Well, Bart trained me, so, hopefully, I'm half as good as him. Yeah. He didn't sit in the now. He does. He does. Bart does all the the owner stuff, all the compliance things, talking to and all the bits and pieces to keep the business running. So his job is very important. But, no, Otherwise, looking forward you don't. to put sorry. Yeah. That's right.","start_word":6759,"end_word":6919,"sentiment":"neutral","sentiment_score":0.15997945142458686},{"text":"That's exactly right.","start_word":6920,"end_word":6922,"sentiment":"positive","sentiment_score":0.44240647554397583},{"text":"No. All good. Well, what I'll do is I'll put this advice together.","start_word":6923,"end_word":6935,"sentiment":"neutral","sentiment_score":0.24808502197265625},{"text":"We'll come back and have a really good chat about it on the thirteenth.","start_word":6936,"end_word":6949,"sentiment":"positive","sentiment_score":0.3599236309528351},{"text":"In the meantime, I'll get that email through to you. And if you either if you find you have any additional questions, please let me know. In my world, there is no such thing as a silly question. If there's something you need answered, you're welcome to shoot me an email, give me a call, and I'll make sure I answer it for you. Okay?","start_word":6950,"end_word":7014,"sentiment":"neutral","sentiment_score":0.1465185433626175},{"text":"Perfect. Thank you so much. Thank you, Dana. My pleasure. I hope you both have a lovely day. Camille, it was amazing to meet you. It's good to talk to you finally. Thank you. My pleasure. Enjoy your day, guys. I'll talk to you soon. Absolutely. Thank you, Jenna.","start_word":7015,"end_word":7063,"sentiment":"positive","sentiment_score":0.7703801393508911},{"text":"Bye bye. K. See you later. Bye. Bye.","start_word":7064,"end_word":7071,"sentiment":"neutral","sentiment_score":0.2260420173406601}],"average":{"sentiment":"neutral","sentiment_score":0.1032207640327342}}}}