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Is now still a good time there for you? That's okay. That's honestly not a problem at all. Good. Well, sir, not an issue. Easy. Thank you so much for confirming that. Danae, just 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? Fantastic. And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. So just kind of recapping on our last conversation there. You were looking at increasing the salary sacrifice. It looks like you started doing that. How are you sort of finding things? Yeah. Yep. Perfect. Perfect. Yeah. So if you do happen to go over the cap this year, we just need to make sure that you do have some, what they call, carry forward contributions from the last five financial years. Generally speaking, to sort of make sure you're eligible for that, as long as your balance is under 500,000 as at thirtieth of during last financial year, which it was, your, you know, eligibility is absolutely fine for that. So that's not a problem. I can I know you are due to have your annual review in December, so we'll make sure we have that sort of catch up around that time? I'll look at what your contributions are. We can certainly reassess income and maybe even just look at your carry forward up until that point as well just to make sure you've got that eligibility, and just keep an eye on things. If we feel like you're gonna start going over the cap, we can always come back and pull it back a little bit, or make sure we let you know. So but, yeah. Fantastic. Yep. Yep. Yeah. Probably less of a shock than what you saw. I did have a look, and I was like, wow. The first contribution was huge. Bit of a shock to your pay. Yep. Yeah. No. Yeah. No. Absolutely. No. Definitely. Well, I'll keep an eye on things there for you. Did you wanna do a bit of a catch up prior to your annual review, or are you happy just to catch up early December and we'll do a a full under review of your circumstances and sort of assess how the salary sacrifice is working for you? Yep. Beautiful. Excellent. Well, I did also have a quick look at your sleep, but just to sort of see to how things are tracking, I can see when we sort of meet in December, there might be some changes I wanna make to your sleep, but we'll sort of revisit that in December when we're reassessing all of your circumstances there. But, essentially, overall, because you essentially your super was opened up in 2024 around about this time in August 2024 since coming on board. Your super has returned income plus growth of about 21.50%. So when we look at that and break it down over the two years, it's about 10.75% you're averaging on a yearly basis currently. So it's working nicely. Yeah. Yeah. But we do wanna keep evolving and making changes to it to build it as much as possible, and so investments that you had in your super a couple of years ago might not be suitable to keeping your super moving down the track. So I might even organize your annual review to sorta happen around about sort of late November. If you're comfortable, just bring it forward slightly. That way, we can kind of assess everything as a whole and then update the advice if we need to prior to the Christmas break. Does that sound okay? Perfect. Excellent. Excellent. Is there any sort of questions or anything that you had that you wanted me to sort of touch on for you today or any assistance or anything you wanted me to look at for you? No. Yep. Yes. Yeah. Absolutely. Putting you're putting as much as you possibly can, like, any extra spare cash into your offset account or onto the loan to kinda help reduce that. Yep. Yep. Beautiful. Yep. Beautiful. Yeah. It sort of takes a bit of time. Like, with everything, you sort of see it compound and grow and build over time. You sort of start off with a smaller amount, but the more you save, the more you have going in there, the more that offset account grows, the greater of an effect it'll have on the on the loan interest payments and things like that. So but it does definitely take time to feel it and to see it. I understand that. No. All good. All good. Well, that's everything I was gonna go through. And if there's anything else you need, please do me know. I'm more than happy to make additional time to chat if you need anything, but I'm really happy that things are working for you nicely. We'll just sort of see that salary sacrificing going in on a bit more of a regular basis, make sure it's not sort of eating into your expenditure too much there, and my team will definitely touch base in November. We'll have a bit of an earlier annual review. We assess your super, how it's been growing and working, any maybe make some updates to your portfolio as well, and then look at, you know, moving forward, what else we can sort of help with for you. Okay? That's okay. I hope you have a good day. Are you working today? Beautiful. Well, I hope you enjoy that. I hope it's nice and sunny. Well all good. Well, thank you so much for your time. I hope you have a lovely day. And if anything does come up, please do let me know. Happy to help you out. Easy. Thanks, Denise. See you later. 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Danae. This is Dana from Okie Financial. How are you this morning? Yeah. Very well.\n\nThank you. Thanks for asking. I had you booked in for a bit of a quick catch up this morning. Is now still a good time there for you? That's okay.\n\nThat's honestly not a problem at all. Good. Well, sir, not an issue. Easy. Thank you so much for confirming that.\n\nDanae, just 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? Fantastic. And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nBeautiful. Thank you so much for that. So just kind of recapping on our last conversation there. You were looking at increasing the salary sacrifice. It looks like you started doing that.\n\nHow are you sort of finding things? Yeah. Yep. Perfect. Perfect.\n\nYeah. So if you do happen to go over the cap this year, we just need to make sure that you do have some, what they call, carry forward contributions from the last five financial years. Generally speaking, to sort of make sure you're eligible for that, as long as your balance is under 500,000 as at thirtieth of during last financial year, which it was, your, you know, eligibility is absolutely fine for that. So that's not a problem. I can I know you are due to have your annual review in December, so we'll make sure we have that sort of catch up around that time?\n\nI'll look at what your contributions are. We can certainly reassess income and maybe even just look at your carry forward up until that point as well just to make sure you've got that eligibility, and just keep an eye on things. If we feel like you're gonna start going over the cap, we can always come back and pull it back a little bit, or make sure we let you know. So but, yeah. Fantastic.\n\nYep. Yep. Yeah. Probably less of a shock than what you saw. I did have a look, and I was like, wow.\n\nThe first contribution was huge. Bit of a shock to your pay. Yep. Yeah. No.\n\nYeah. No. Absolutely. No. Definitely.\n\nWell, I'll keep an eye on things there for you. Did you wanna do a bit of a catch up prior to your annual review, or are you happy just to catch up early December and we'll do a a full under review of your circumstances and sort of assess how the salary sacrifice is working for you? Yep. Beautiful. Excellent.\n\nWell, I did also have a quick look at your sleep, but just to sort of see to how things are tracking, I can see when we sort of meet in December, there might be some changes I wanna make to your sleep, but we'll sort of revisit that in December when we're reassessing all of your circumstances there. But, essentially, overall, because you essentially your super was opened up in 2024 around about this time in August 2024 since coming on board. Your super has returned income plus growth of about 21.50%. So when we look at that and break it down over the two years, it's about 10.75% you're averaging on a yearly basis currently. So it's working nicely.\n\nYeah. Yeah. But we do wanna keep evolving and making changes to it to build it as much as possible, and so investments that you had in your super a couple of years ago might not be suitable to keeping your super moving down the track. So I might even organize your annual review to sorta happen around about sort of late November. If you're comfortable, just bring it forward slightly.\n\nThat way, we can kind of assess everything as a whole and then update the advice if we need to prior to the Christmas break. Does that sound okay? Perfect. Excellent. Excellent.\n\nIs there any sort of questions or anything that you had that you wanted me to sort of touch on for you today or any assistance or anything you wanted me to look at for you? No. Yep. Yes. Yeah.\n\nAbsolutely. Putting you're putting as much as you possibly can, like, any extra spare cash into your offset account or onto the loan to kinda help reduce that. Yep. Yep. Beautiful.\n\nYep. Beautiful. Yeah. It sort of takes a bit of time. Like, with everything, you sort of see it compound and grow and build over time.\n\nYou sort of start off with a smaller amount, but the more you save, the more you have going in there, the more that offset account grows, the greater of an effect it'll have on the on the loan interest payments and things like that. So but it does definitely take time to feel it and to see it. I understand that. No. All good.\n\nAll good. Well, that's everything I was gonna go through. And if there's anything else you need, please do me know. I'm more than happy to make additional time to chat if you need anything, but I'm really happy that things are working for you nicely. We'll just sort of see that salary sacrificing going in on a bit more of a regular basis, make sure it's not sort of eating into your expenditure too much there, and my team will definitely touch base in November.\n\nWe'll have a bit of an earlier annual review. We assess your super, how it's been growing and working, any maybe make some updates to your portfolio as well, and then look at, you know, moving forward, what else we can sort of help with for you. Okay? That's okay. I hope you have a good day.\n\nAre you working today? Beautiful. Well, I hope you enjoy that. I hope it's nice and sunny. Well all good.\n\nWell, thank you so much for your time. I hope you have a lovely day. And if anything does come up, please do let me know. Happy to help you out. Easy.\n\nThanks, Denise. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Danae.","start":2.96,"end":3.52,"sentiment":"neutral","sentiment_score":0.11037380993366241},{"text":"This is Dana from Okie Financial.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":0.1460636779665947},{"text":"How are you this morning?","start":5.3599997,"end":6.5,"sentiment":"neutral","sentiment_score":0.1921906590461731},{"text":"Yeah.","start":8.639999,"end":8.96,"sentiment":"neutral","sentiment_score":0.26516422629356384},{"text":"Very well.","start":8.96,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5240307152271271}],"sentiment":"neutral","sentiment_score":0.21070678997784853,"num_words":16,"start":2.96,"end":9.5199995},{"sentences":[{"text":"Thank you.","start":9.5199995,"end":9.84,"sentiment":"positive","sentiment_score":0.6329687535762787},{"text":"Thanks for asking.","start":9.84,"end":10.559999,"sentiment":"positive","sentiment_score":0.6552944382031759},{"text":"I had you booked in for a bit of 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yeah.","start":164.065,"end":166.005,"sentiment":"neutral","sentiment_score":0.14171312128504118},{"text":"Fantastic.","start":167.8,"end":168.3,"sentiment":"positive","sentiment_score":0.5285086631774902}],"sentiment":"neutral","sentiment_score":0.095198526390289,"num_words":76,"start":146.18,"end":168.3},{"sentences":[{"text":"Yep.","start":171.56,"end":172.06,"sentiment":"neutral","sentiment_score":0.1984884142875671},{"text":"Yep.","start":174.76,"end":175.26,"sentiment":"neutral","sentiment_score":0.22183606028556824},{"text":"Yeah.","start":180.41501,"end":180.655,"sentiment":"positive","sentiment_score":0.33746621012687683},{"text":"Probably less of a shock than what you saw.","start":180.655,"end":182.57501,"sentiment":"neutral","sentiment_score":0.07882767501804563},{"text":"I did have a look, and I was like, 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you.","start":413.875,"end":427.01666,"sentiment":"neutral","sentiment_score":0.16817710352571388},{"text":"Okay?","start":427.02332,"end":427.52332,"sentiment":"neutral","sentiment_score":0.1456344872713089},{"text":"That's okay.","start":427.53,"end":428.25,"sentiment":"neutral","sentiment_score":0.21569659560918808},{"text":"I hope you have a good day.","start":428.25,"end":429.44998,"sentiment":"neutral","sentiment_score":0.31902383480753216}],"sentiment":"neutral","sentiment_score":0.18601020896121076,"num_words":57,"start":411.875,"end":429.44998},{"sentences":[{"text":"Are you working today?","start":429.44998,"end":430.66998,"sentiment":"neutral","sentiment_score":0.0724640004336834},{"text":"Beautiful.","start":433.93,"end":434.43,"sentiment":"positive","sentiment_score":0.3983532190322876},{"text":"Well, I hope you enjoy that.","start":434.57,"end":435.93,"sentiment":"positive","sentiment_score":0.3833318005005519},{"text":"I hope it's nice and sunny.","start":435.93,"end":437.38998,"sentiment":"neutral","sentiment_score":0.3197980374097824},{"text":"Well all good.","start":445.56497,"end":446.76498,"sentiment":"neutral","sentiment_score":0.19161738952000937}],"sentiment":"neutral","sentiment_score":0.2740920208394527,"num_words":20,"start":429.44998,"end":446.76498},{"sentences":[{"text":"Well, thank you so much for your time.","start":446.76498,"end":448.44498,"sentiment":"positive","sentiment_score":0.5609169639647007},{"text":"I hope you have a lovely day.","start":448.44498,"end":449.88498,"sentiment":"positive","sentiment_score":0.5800516945975167},{"text":"And if anything does come up, please do let me know.","start":449.88498,"end":452.28497,"sentiment":"neutral","sentiment_score":0.22091481631452387},{"text":"Happy to help you 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Yeah. Good, Dana. How are you? Yeah. Yeah. I'm just driving, but, yes, I'm could definitely talk. I just may go through one little area where there's not good service. If I if I if I drop out, feel free to ring me back in, like, two minutes or something. Yep. Yes. Yep. Shanae O'Sullivan. Twenty fifth of the twelfth nineteen eighty three. Five five six Bellano Road, Gunalaba, New South Wales. Yeah. I just like, I way overestimated. So I've kind of I it's it's so difficult. I was kind of trying to do it as a percentage, and then I worked twenty hours overtime. So I made heaps of money, and they just took heaps of money. You know, it obviously increased the percentage that fortnight. That's why there's such a big amount went went in, which is fine. So now I've just pulled it back to salary sacrificing $200 and fortnight. So I'm hoping that won't push me over the cap, or if it does that I can I can use some from the previous year? Is that right? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That's great. Good. Yeah. No. I'm happy with that. That's a good kind of good strategy. So that doesn't worry me. The $200 a fortnight is easy. That's not that's not an issue. So it's gonna make a big difference in the future. That's good. Yep. Yep. See, yes. Good. Yeah. Yeah. Well, I kinda it was funny because, like, I got so much I got paid so much anyway. I didn't really notice. It's really difficult to judge what I'm kind of gonna get paid every fortnight. It's it it varies so much. So I kind of base my living on the bare minimum of what I can get paid. So anything else is just bonus money, I guess. So it's all good. Yeah. Yeah. That sounds good. Yeah. I'm happy with the December is good. Yeah. Yes. Yeah. No. No. I don't think so. I'm just gonna plod along and keep trying to kinda pay a little bit of debt and build some more money in my offset so that yeah. It's like my home loan interest is the thing that really bothers me. So, yeah, I just we keep working towards that in the meantime. Yeah. Everything. Yeah. All my money is in my offset. So everything, even my husband's pay goes into my offset account. So it's all it's everything's there that could possibly be there. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yep. Great. Awesome. Thank you so much. Now I've got the day off. So yeah. Thank you. No. It's raining at the moment, but it looks like the sun is trying to come out. So, hopefully. Yeah. Awesome. Thanks, Dana. Have a good day. 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Yeah. Good, Dana. How are you? Yeah.\n\nYeah. I'm just driving, but, yes, I'm could definitely talk. I just may go through one little area where there's not good service. If I if I if I drop out, feel free to ring me back in, like, two minutes or something. Yep.\n\nYes. Yep. Shanae O'Sullivan. Twenty fifth of the twelfth nineteen eighty three. Five five six Bellano Road, Gunalaba, New South Wales.\n\nYeah. I just like, I way overestimated. So I've kind of I it's it's so difficult. I was kind of trying to do it as a percentage, and then I worked twenty hours overtime. So I made heaps of money, and they just took heaps of money.\n\nYou know, it obviously increased the percentage that fortnight. That's why there's such a big amount went went in, which is fine. So now I've just pulled it back to salary sacrificing $200 and fortnight. So I'm hoping that won't push me over the cap, or if it does that I can I can use some from the previous year? Is that right?\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. That's great. Good. Yeah. No.\n\nI'm happy with that. That's a good kind of good strategy. So that doesn't worry me. The $200 a fortnight is easy. That's not that's not an issue.\n\nSo it's gonna make a big difference in the future. That's good. Yep. Yep. See, yes.\n\nGood. Yeah. Yeah. Well, I kinda it was funny because, like, I got so much I got paid so much anyway. I didn't really notice.\n\nIt's really difficult to judge what I'm kind of gonna get paid every fortnight. It's it it varies so much. So I kind of base my living on the bare minimum of what I can get paid. So anything else is just bonus money, I guess. So it's all good.\n\nYeah. Yeah. That sounds good. Yeah. I'm happy with the December is good.\n\nYeah. Yes. Yeah. No. No.\n\nI don't think so. I'm just gonna plod along and keep trying to kinda pay a little bit of debt and build some more money in my offset so that yeah. It's like my home loan interest is the thing that really bothers me. So, yeah, I just we keep working towards that in the meantime. Yeah.\n\nEverything. Yeah. All my money is in my offset. So everything, even my husband's pay goes into my offset account. So it's all it's everything's there that could possibly be there.\n\nYep. Yeah. Yeah. Yeah. Yep.\n\nYep. Yep. Great. Awesome. Thank you so much.\n\nNow I've got the day off. So yeah. Thank you. No. It's raining at the moment, but it looks like the sun is trying to come out.\n\nSo, hopefully. Yeah. Awesome. Thanks, Dana. Have a good day.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.023590819910168648},{"text":"Yeah.","start":6.8799996,"end":7.2,"sentiment":"neutral","sentiment_score":0.16396158933639526},{"text":"Good, Dana.","start":7.2,"end":7.8399997,"sentiment":"positive","sentiment_score":0.413644939661026},{"text":"How are you?","start":7.8399997,"end":8.58,"sentiment":"neutral","sentiment_score":0.329468697309494},{"text":"Yeah.","start":15.155,"end":15.315,"sentiment":"neutral","sentiment_score":0.03642173856496811}],"sentiment":"neutral","sentiment_score":0.25495876488275826,"num_words":8,"start":1.4399999,"end":15.315},{"sentences":[{"text":"Yeah.","start":15.315,"end":15.635,"sentiment":"neutral","sentiment_score":0.00017653219401836395},{"text":"I'm just driving, but, yes, I'm could definitely talk.","start":15.635,"end":20.115,"sentiment":"neutral","sentiment_score":-0.04035761724743578},{"text":"I just 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you so much.","start":426.22998,"end":427.28998,"sentiment":"positive","sentiment_score":0.4743894264101982}],"sentiment":"positive","sentiment_score":0.38635624200105667,"num_words":8,"start":387.885,"end":427.28998},{"sentences":[{"text":"Now I've got the day off.","start":431.19,"end":432.47,"sentiment":"neutral","sentiment_score":0.07753032570083936},{"text":"So yeah.","start":432.47,"end":433.28998,"sentiment":"neutral","sentiment_score":0.17927587777376175},{"text":"Thank you.","start":437.89502,"end":438.375,"sentiment":"neutral","sentiment_score":0.22352073341608047},{"text":"No.","start":438.375,"end":438.61502,"sentiment":"neutral","sentiment_score":-0.016292035579681396},{"text":"It's raining at the moment, but it looks like the sun is trying to come out.","start":438.61502,"end":442.375,"sentiment":"neutral","sentiment_score":-0.023955758777447045}],"sentiment":"neutral","sentiment_score":0.03226633335429209,"num_words":27,"start":431.19,"end":442.375},{"sentences":[{"text":"So, hopefully.","start":442.375,"end":443.195,"sentiment":"neutral","sentiment_score":0.0501779280602932},{"text":"Yeah.","start":454.01,"end":454.25,"sentiment":"positive","sentiment_score":0.7236549854278564},{"text":"Awesome.","start":454.25,"end":454.65,"sentiment":"positive","sentiment_score":0.9067223072052002},{"text":"Thanks, Dana.","start":454.65,"end":455.37,"sentiment":"positive","sentiment_score":0.8839471638202667},{"text":"Have a good day.","start":455.37,"end":456.1,"sentiment":"positive","sentiment_score":0.7711588591337204}],"sentiment":"positive","sentiment_score":0.6583262912929058,"num_words":10,"start":442.375,"end":456.1},{"sentences":[{"text":"Bye.","start":456.1,"end":456.6,"sentiment":"positive","sentiment_score":0.5050899386405945}],"sentiment":"positive","sentiment_score":0.5050899386405945,"num_words":1,"start":456.1,"end":456.6}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Danae. This is Dana from Okie Financial. How are you this morning?\n\nChannel 1: Yeah. Good, Dana. How are you?\n\nChannel 0: Yeah. Very well. Thank you. Thanks for asking. I had you booked in for a bit of a quick catch up this morning.\n\nIs now still a good time there for you?\n\nChannel 1: Yeah. Yeah. I'm just driving, but, yes, I'm could definitely talk. I just may go through one little area where there's not good service.\n\nChannel 0: That's okay. That's honestly not a problem at all.\n\nChannel 1: If\n\nChannel 0: Good.\n\nChannel 1: I if I if I drop out, feel free to ring me back in, like, two minutes or something.\n\nChannel 0: Well,\n\nChannel 1: Yep.\n\nChannel 0: sir, not an issue. Easy. Thank you so much for confirming that. Danae, just 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: Yes.\n\nChannel 0: Fantastic. And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yep. Shanae O'Sullivan. Twenty fifth of\n\nChannel 0: Yep.\n\nChannel 1: the twelfth nineteen eighty three. Five five six Bellano Road, Gunalaba, New South Wales.\n\nChannel 0: Beautiful. Thank you so much for that. So just kind of recapping on our last conversation there. You were looking at increasing the salary sacrifice. It looks like you started doing that.\n\nHow are you sort of finding things?\n\nChannel 1: Yeah. I just like, I way overestimated. So I've kind of I it's it's so difficult. I was kind of trying to do it as a percentage, and then I worked twenty hours overtime. So I made heaps of money, and they just took heaps of money.\n\nYou know, it obviously increased the percentage\n\nChannel 0: Yeah.\n\nChannel 1: that fortnight. That's why there's such a big amount went went in, which is fine. So now I've just pulled it back to salary sacrificing $200 and fortnight.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: So I'm hoping\n\nChannel 0: Perfect.\n\nChannel 1: that won't push me over the cap, or if it does that I can I can use some from the previous year? Is that right?\n\nChannel 0: Yeah. So if you do happen to go over the cap this year, we just need to make sure that you do have some, what they call, carry forward contributions from the last five financial years.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Generally speaking, to sort of make sure you're eligible for that, as long as your balance is under 500,000 as at thirtieth of during last financial year, which it was,\n\nChannel 1: Yeah.\n\nChannel 0: your, you know, eligibility is absolutely fine for that. So that's not a problem. I can\n\nChannel 1: Yeah.\n\nChannel 0: I know you are due to have your annual review in December, so we'll make sure we have that sort of catch up around that time? I'll look at what your contributions are. We can certainly reassess income and maybe even just look at your carry forward up until that point as well just to make sure you've got that eligibility, and just keep an eye on things. If we feel like you're gonna start going over the cap, we can always come back and pull it back a little bit, or make sure we let you know. So\n\nChannel 1: Yeah.\n\nChannel 0: but,\n\nChannel 1: Yeah. That's\n\nChannel 0: yeah.\n\nChannel 1: great. Good. Yeah. No. I'm happy\n\nChannel 0: Fantastic.\n\nChannel 1: with that. That's a good kind of good strategy. So that doesn't worry\n\nChannel 0: Yep.\n\nChannel 1: me. The $200 a fortnight is easy.\n\nChannel 0: Yep.\n\nChannel 1: That's not that's not an issue. So it's gonna make a big difference in the future. That's good.\n\nChannel 0: Yeah. Probably less of a shock than what you saw. I did have a look, and I was like, wow. The first contribution was huge.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Bit of\n\nChannel 1: See,\n\nChannel 0: a shock\n\nChannel 1: yes.\n\nChannel 0: to your\n\nChannel 1: Good.\n\nChannel 0: pay.\n\nChannel 1: Yeah. Yeah. Well, I kinda it was funny because, like, I got so much I got paid so much anyway. I didn't really notice. It's really difficult to judge what I'm kind of gonna get paid every fortnight.\n\nIt's it it varies so much. So I kind of base my living on the bare minimum of what I can get paid.\n\nChannel 0: Yep.\n\nChannel 1: So anything else is just bonus money, I guess. So it's all good.\n\nChannel 0: Yeah. No. Yeah. No. Absolutely.\n\nNo. Definitely. Well, I'll keep an eye on things there for you. Did you wanna do a bit of a catch up prior to your annual review, or are you happy just to catch up early December and we'll do a a full under review of your circumstances and sort of assess how the salary sacrifice is working for you?\n\nChannel 1: Yeah. Yeah. That sounds good. Yeah. I'm happy with the December\n\nChannel 0: Yep.\n\nChannel 1: is good. Yeah.\n\nChannel 0: Beautiful. Excellent. Well, I did also have a quick look at your sleep, but just to sort of see to how things are tracking, I can see when we sort of meet in December, there might be some changes I wanna make to your sleep, but we'll sort of revisit that in December when we're reassessing all of your circumstances there. But, essentially,\n\nChannel 1: Yes.\n\nChannel 0: overall, because you essentially your super was opened up in 2024 around about this time in August 2024 since coming on board. Your super has returned income plus growth of about 21.50%. So when we look at that and break it down over the two years, it's about 10.75% you're averaging on a yearly basis currently. So it's working nicely. Yeah.\n\nYeah. But we do wanna keep evolving and making changes to it to build it as much as possible, and so investments that you had in your super a couple of years ago might not be suitable to keeping your super moving down the track. So I might even organize your annual review to sorta happen around about sort of late November. If you're comfortable, just bring it forward slightly. That way, we can kind of assess everything as a whole and then update the advice if we need to prior to the Christmas break.\n\nDoes that sound okay?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Excellent. Excellent. Is there any sort of questions or anything that you had that you wanted me to sort of touch on for you today or any assistance or anything you wanted me to look\n\nChannel 1: No.\n\nChannel 0: at for you?\n\nChannel 1: No. I don't think so. I'm just gonna plod along\n\nChannel 0: No.\n\nChannel 1: and keep trying\n\nChannel 0: Yep.\n\nChannel 1: to kinda pay a little bit of debt and build some more money in my offset so that yeah. It's like my home\n\nChannel 0: Yes.\n\nChannel 1: loan interest is the thing that really bothers me. So, yeah, I just we keep working towards that in the meantime.\n\nChannel 0: Yeah. Absolutely. Putting you're putting as much as you possibly can, like, any extra spare cash into your offset account or onto the loan\n\nChannel 1: Yeah.\n\nChannel 0: to kinda help reduce\n\nChannel 1: Everything.\n\nChannel 0: that. Yep.\n\nChannel 1: Yeah. All my money is in my offset. So everything, even\n\nChannel 0: Yep.\n\nChannel 1: my husband's pay goes into my offset account.\n\nChannel 0: Beautiful.\n\nChannel 1: So it's all it's everything's there that could possibly be there.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. It sort of takes a bit of time. Like, with everything, you sort of see it compound and grow and build over time. You sort of start off with a smaller amount, but the more you save, the more you have going in there, the more that offset account grows, the greater of an effect it'll have on the on the loan interest payments and things like that. So\n\nChannel 1: Yeah.\n\nChannel 0: but it does\n\nChannel 1: Yeah.\n\nChannel 0: definitely take time to feel it and to see it. I understand that.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: No. All good. All good. Well, that's everything I was gonna go through. And if there's anything else you need, please do me know.\n\nI'm more than happy to make additional time to chat if you need anything, but I'm really happy that things are working for you nicely. We'll just sort of see that salary sacrificing going in on a bit more of a regular basis, make sure it's not sort of eating into your expenditure too much there, and my team\n\nChannel 1: Yep.\n\nChannel 0: will definitely touch base in November. We'll have a bit of an earlier annual review. We assess your super, how it's been growing and working, any maybe make some updates to your portfolio as well, and then look at, you know, moving forward, what else we can sort of help with\n\nChannel 1: Great. Awesome.\n\nChannel 0: for\n\nChannel 1: Thank you\n\nChannel 0: you.\n\nChannel 1: so much.\n\nChannel 0: Okay? That's okay. I hope you have a good day. Are you working today?\n\nChannel 1: Now I've got the day off. So yeah.\n\nChannel 0: Beautiful. Well, I hope you enjoy that. I hope it's nice and sunny.\n\nChannel 1: Thank you. No. It's raining at the moment, but it looks like the sun is trying to come out. So, hopefully.\n\nChannel 0: Well all good. Well, thank you so much for your time. I hope you have a lovely day. And if anything does come up, please do let me know. Happy to help you out.\n\nEasy.\n\nChannel 1: Yeah. Awesome. Thanks, Dana. Have a good day. Bye.\n\nChannel 0: Thanks, Denise. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.023590819910168648}],"sentiment":"neutral","sentiment_score":0.023590819910168648,"channel":1,"num_words":1,"start":1.4399999,"end":1.9399999},{"sentences":[{"text":"Hi, Danae.","start":2.96,"end":3.52,"sentiment":"neutral","sentiment_score":0.11037380993366241},{"text":"This is Dana from Okie Financial.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":0.1460636779665947},{"text":"How are you this morning?","start":5.3599997,"end":6.5,"sentiment":"neutral","sentiment_score":0.1921906590461731}],"sentiment":"neutral","sentiment_score":0.1583140756075199,"channel":0,"num_words":13,"start":2.96,"end":6.5},{"sentences":[{"text":"Yeah.","start":6.8799996,"end":7.2,"sentiment":"neutral","sentiment_score":0.16396158933639526},{"text":"Good, Dana.","start":7.2,"end":7.8399997,"sentiment":"positive","sentiment_score":0.413644939661026},{"text":"How are you?","start":7.8399997,"end":8.58,"sentiment":"neutral","sentiment_score":0.329468697309494}],"sentiment":"neutral","sentiment_score":0.3299429267644882,"channel":1,"num_words":6,"start":6.8799996,"end":8.58},{"sentences":[{"text":"Yeah.","start":8.639999,"end":8.96,"sentiment":"neutral","sentiment_score":0.26516422629356384},{"text":"Very well.","start":8.96,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5240307152271271},{"text":"Thank you.","start":9.5199995,"end":9.84,"sentiment":"positive","sentiment_score":0.6329687535762787},{"text":"Thanks for asking.","start":9.84,"end":10.559999,"sentiment":"positive","sentiment_score":0.6552944382031759},{"text":"I had you booked in for a bit of a quick catch up this morning.","start":10.559999,"end":12.719999,"sentiment":"neutral","sentiment_score":0.29841358760992687}],"sentiment":"positive","sentiment_score":0.39222827359386114,"channel":0,"num_words":23,"start":8.639999,"end":12.719999},{"sentences":[{"text":"Is now still a good time there for you?","start":12.719999,"end":14.655,"sentiment":"neutral","sentiment_score":0.30255057248804307}],"sentiment":"neutral","sentiment_score":0.30255057248804307,"channel":0,"num_words":9,"start":12.719999,"end":14.655},{"sentences":[{"text":"Yeah.","start":15.155,"end":15.315,"sentiment":"neutral","sentiment_score":0.03642173856496811},{"text":"Yeah.","start":15.315,"end":15.635,"sentiment":"neutral","sentiment_score":0.00017653219401836395},{"text":"I'm just driving, but, yes, I'm could definitely talk.","start":15.635,"end":20.115,"sentiment":"neutral","sentiment_score":-0.04035761724743578},{"text":"I just may go through one little area where there's not good service.","start":20.115,"end":24.695,"sentiment":"neutral","sentiment_score":-0.15540786717946714}],"sentiment":"neutral","sentiment_score":-0.09778843990837534,"channel":1,"num_words":24,"start":15.155,"end":24.695},{"sentences":[{"text":"That's okay.","start":25.375,"end":26.095,"sentiment":"neutral","sentiment_score":0.07097997702658176},{"text":"That's honestly not a problem at all.","start":26.095,"end":28.355,"sentiment":"neutral","sentiment_score":0.18841586794172013}],"sentiment":"neutral","sentiment_score":0.1623190032939116,"channel":0,"num_words":9,"start":25.375,"end":28.355},{"sentences":[{"text":"If","start":28.960001,"end":29.12,"sentiment":"neutral","sentiment_score":0.1542815864086151}],"sentiment":"neutral","sentiment_score":0.1542815864086151,"channel":1,"num_words":1,"start":28.960001,"end":29.12},{"sentences":[{"text":"Good.","start":28.974998,"end":29.474998,"sentiment":"neutral","sentiment_score":0.1893087923526764}],"sentiment":"neutral","sentiment_score":0.1893087923526764,"channel":0,"num_words":1,"start":28.974998,"end":29.474998},{"sentences":[{"text":"I if I if I drop out, feel free to ring me back in, like, two minutes or something.","start":29.12,"end":33.7,"sentiment":"neutral","sentiment_score":0.07620673214918688}],"sentiment":"neutral","sentiment_score":0.07620673214918688,"channel":1,"num_words":19,"start":29.12,"end":33.7},{"sentences":[{"text":"Well,","start":33.989998,"end":34.309998,"sentiment":"neutral","sentiment_score":0.07842504978179932}],"sentiment":"neutral","sentiment_score":0.07842504978179932,"channel":0,"num_words":1,"start":33.989998,"end":34.309998},{"sentences":[{"text":"Yep.","start":34.16,"end":34.66,"sentiment":"neutral","sentiment_score":0.09593748301267624}],"sentiment":"neutral","sentiment_score":0.09593748301267624,"channel":1,"num_words":1,"start":34.16,"end":34.66},{"sentences":[{"text":"sir, not an issue.","start":34.309998,"end":35.59,"sentiment":"neutral","sentiment_score":0.2054213061928749},{"text":"Easy.","start":35.59,"end":35.989998,"sentiment":"positive","sentiment_score":0.38660675287246704},{"text":"Thank you so much for confirming that.","start":35.989998,"end":37.829998,"sentiment":"positive","sentiment_score":0.6227726595742362},{"text":"Danae, just before I jump into the call, just to let you know we do record our calls for quality and training purposes.","start":37.989998,"end":42.39,"sentiment":"neutral","sentiment_score":0.3126678026240805},{"text":"Are you happy for me to proceed with that?","start":42.39,"end":44.41,"sentiment":"neutral","sentiment_score":0.3143211503823598}],"sentiment":"positive","sentiment_score":0.3542716001922434,"channel":0,"num_words":44,"start":34.309998,"end":44.41},{"sentences":[{"text":"Yes.","start":44.895,"end":45.395,"sentiment":"neutral","sentiment_score":0.286538690328598}],"sentiment":"neutral","sentiment_score":0.286538690328598,"channel":1,"num_words":1,"start":44.895,"end":45.395},{"sentences":[{"text":"Fantastic.","start":46.095,"end":46.595,"sentiment":"positive","sentiment_score":0.4713127017021179},{"text":"And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":46.655,"end":52.755,"sentiment":"neutral","sentiment_score":0.22048590779304506}],"sentiment":"neutral","sentiment_score":0.22857709469333773,"channel":0,"num_words":31,"start":46.095,"end":52.755},{"sentences":[{"text":"Yep.","start":53.055,"end":53.535,"sentiment":"neutral","sentiment_score":0.040896087884902954},{"text":"Shanae O'Sullivan.","start":53.535,"end":54.754997,"sentiment":"neutral","sentiment_score":0.031739301048219204},{"text":"Twenty fifth of","start":54.815,"end":55.535,"sentiment":"neutral","sentiment_score":0.018845366314053535}],"sentiment":"neutral","sentiment_score":0.02681846482058366,"channel":1,"num_words":6,"start":53.055,"end":55.535},{"sentences":[{"text":"Yep.","start":55.455,"end":55.955,"sentiment":"neutral","sentiment_score":0.02715296857059002}],"sentiment":"neutral","sentiment_score":0.02715296857059002,"channel":0,"num_words":1,"start":55.455,"end":55.955},{"sentences":[{"text":"the twelfth nineteen eighty three.","start":55.535,"end":57.395,"sentiment":"neutral","sentiment_score":0.03678987622261047},{"text":"Five five six Bellano Road, Gunalaba, New South Wales.","start":57.535,"end":61.050003,"sentiment":"neutral","sentiment_score":0.031837904929286905}],"sentiment":"neutral","sentiment_score":0.033606466105473895,"channel":1,"num_words":14,"start":55.535,"end":61.050003},{"sentences":[{"text":"Beautiful.","start":61.23,"end":61.73,"sentiment":"positive","sentiment_score":0.4190120697021485},{"text":"Thank you so much for that.","start":61.79,"end":63.33,"sentiment":"positive","sentiment_score":0.48097039262453717},{"text":"So just kind of recapping on our last conversation there.","start":63.47,"end":66.61,"sentiment":"neutral","sentiment_score":0.06180759333074093},{"text":"You were looking at increasing the salary sacrifice.","start":66.91,"end":69.47,"sentiment":"neutral","sentiment_score":0.005330460146069527},{"text":"It looks like you started doing that.","start":69.47,"end":70.91,"sentiment":"neutral","sentiment_score":0.017476850854498998}],"sentiment":"neutral","sentiment_score":0.12774662487208843,"channel":0,"num_words":32,"start":61.23,"end":70.91},{"sentences":[{"text":"How are you sort of finding things?","start":70.91,"end":72.61,"sentiment":"neutral","sentiment_score":0.010682039228933198}],"sentiment":"neutral","sentiment_score":0.010682039228933198,"channel":0,"num_words":7,"start":70.91,"end":72.61},{"sentences":[{"text":"Yeah.","start":73.354996,"end":73.674995,"sentiment":"neutral","sentiment_score":-0.18422701954841617},{"text":"I just like, I way overestimated.","start":73.674995,"end":75.695,"sentiment":"negative","sentiment_score":-0.37514636913935345},{"text":"So I've kind of I it's it's so difficult.","start":76.635,"end":80.555,"sentiment":"neutral","sentiment_score":-0.29164757827917737},{"text":"I was kind of trying to do it as a percentage, and then I worked twenty hours overtime.","start":80.555,"end":87.22,"sentiment":"neutral","sentiment_score":-0.23121501257022223},{"text":"So I made heaps of money, and they just took heaps of money.","start":87.22,"end":90.28,"sentiment":"neutral","sentiment_score":-0.3001515796551338}],"sentiment":"neutral","sentiment_score":-0.2792292383122951,"channel":1,"num_words":47,"start":73.354996,"end":90.28},{"sentences":[{"text":"You know, it obviously increased the percentage","start":90.58,"end":92.92,"sentiment":"neutral","sentiment_score":0.007941397173064095}],"sentiment":"neutral","sentiment_score":0.007941397173064095,"channel":1,"num_words":7,"start":90.58,"end":92.92},{"sentences":[{"text":"Yeah.","start":93.73,"end":94.23,"sentiment":"neutral","sentiment_score":0.03699547424912453}],"sentiment":"neutral","sentiment_score":0.03699547424912453,"channel":0,"num_words":1,"start":93.73,"end":94.23},{"sentences":[{"text":"that fortnight.","start":93.78,"end":94.52,"sentiment":"neutral","sentiment_score":0.05044198036193848},{"text":"That's why there's such a big amount went went in, which is fine.","start":94.659996,"end":97.86,"sentiment":"neutral","sentiment_score":0.07850484578655316},{"text":"So now I've just pulled it back to salary sacrificing $200 and fortnight.","start":97.86,"end":103.715004,"sentiment":"neutral","sentiment_score":0.010021270324404422}],"sentiment":"neutral","sentiment_score":0.04470440964879734,"channel":1,"num_words":28,"start":93.78,"end":103.715004},{"sentences":[{"text":"Yep.","start":104.225,"end":104.725,"sentiment":"positive","sentiment_score":0.3401528000831604},{"text":"Perfect.","start":105.025,"end":105.525,"sentiment":"positive","sentiment_score":0.5864579081535339}],"sentiment":"positive","sentiment_score":0.46330535411834717,"channel":0,"num_words":2,"start":104.225,"end":105.525},{"sentences":[{"text":"So I'm hoping","start":105.295006,"end":105.935005,"sentiment":"positive","sentiment_score":0.3434164722760518}],"sentiment":"positive","sentiment_score":0.3434164722760518,"channel":1,"num_words":3,"start":105.295006,"end":105.935005},{"sentences":[{"text":"Perfect.","start":105.905,"end":106.405,"sentiment":"positive","sentiment_score":0.39036017656326294}],"sentiment":"positive","sentiment_score":0.39036017656326294,"channel":0,"num_words":1,"start":105.905,"end":106.405},{"sentences":[{"text":"that won't push me over the cap, or if it does that I can I can use some from the previous year?","start":105.935005,"end":112.655,"sentiment":"neutral","sentiment_score":0.18747941167517143},{"text":"Is that right?","start":112.655,"end":113.555,"sentiment":"neutral","sentiment_score":0.13296976685523987}],"sentiment":"neutral","sentiment_score":0.18093825429677962,"channel":1,"num_words":25,"start":105.935005,"end":113.555},{"sentences":[{"text":"Yeah.","start":113.840004,"end":114.340004,"sentiment":"neutral","sentiment_score":0.07041233777999878},{"text":"So if you do happen to go over the cap this year, we just need to make sure that you do have some, what they call, carry forward contributions from the last five financial years.","start":114.4,"end":123.855,"sentiment":"neutral","sentiment_score":0.030069793122155325}],"sentiment":"neutral","sentiment_score":0.031190419362650976,"channel":0,"num_words":36,"start":113.840004,"end":123.855},{"sentences":[{"text":"Yeah.","start":124.100006,"end":124.340004,"sentiment":"neutral","sentiment_score":0.06038198620080948},{"text":"Yeah.","start":124.340004,"end":124.840004,"sentiment":"neutral","sentiment_score":0.06863635778427124}],"sentiment":"neutral","sentiment_score":0.06450917199254036,"channel":1,"num_words":2,"start":124.100006,"end":124.840004},{"sentences":[{"text":"Generally speaking, to sort of make sure you're eligible for that, as long as your balance is under 500,000 as at thirtieth of during last financial year, which it was,","start":124.575005,"end":132.995,"sentiment":"neutral","sentiment_score":0.10023190130790074}],"sentiment":"neutral","sentiment_score":0.10023190130790074,"channel":0,"num_words":30,"start":124.575005,"end":132.995},{"sentences":[{"text":"Yeah.","start":133.705,"end":134.205,"sentiment":"neutral","sentiment_score":0.1591801643371582}],"sentiment":"neutral","sentiment_score":0.1591801643371582,"channel":1,"num_words":1,"start":133.705,"end":134.205},{"sentences":[{"text":"your, you know, eligibility is absolutely fine for that.","start":134.335,"end":137.535,"sentiment":"neutral","sentiment_score":0.238196376297209},{"text":"So that's not a problem.","start":137.535,"end":138.91501,"sentiment":"neutral","sentiment_score":0.2668185353279114},{"text":"I can","start":139.62,"end":139.94,"sentiment":"neutral","sentiment_score":0.13846566900610924}],"sentiment":"neutral","sentiment_score":0.23467446258291602,"channel":0,"num_words":16,"start":134.335,"end":139.94},{"sentences":[{"text":"Yeah.","start":139.705,"end":140.16,"sentiment":"neutral","sentiment_score":0.13127009570598602}],"sentiment":"neutral","sentiment_score":0.13127009570598602,"channel":1,"num_words":1,"start":139.705,"end":140.16},{"sentences":[{"text":"I know you are due to have your annual review in December, so we'll make sure we have that sort of catch up around that time?","start":140.1,"end":146.18,"sentiment":"neutral","sentiment_score":0.08606531857871093},{"text":"I'll look at what your contributions are.","start":146.18,"end":148.18,"sentiment":"neutral","sentiment_score":0.07215172691004616},{"text":"We can certainly reassess income and maybe even just look at your carry forward up until that point as well just to make sure you've got that eligibility, and just keep an eye on things.","start":148.18,"end":157.265,"sentiment":"neutral","sentiment_score":0.11261396940265384},{"text":"If we feel like you're gonna start going over the cap, we can always come back and pull it back a little bit, or make sure we let you know.","start":157.265,"end":164.065,"sentiment":"neutral","sentiment_score":0.06116296537220478},{"text":"So","start":164.065,"end":164.545,"sentiment":"neutral","sentiment_score":0.06961733102798462}],"sentiment":"neutral","sentiment_score":0.08675510699700828,"channel":0,"num_words":99,"start":140.1,"end":164.545},{"sentences":[{"text":"Yeah.","start":164.595,"end":164.915,"sentiment":"neutral","sentiment_score":0.049383096396923065}],"sentiment":"neutral","sentiment_score":0.049383096396923065,"channel":1,"num_words":1,"start":164.595,"end":164.915},{"sentences":[{"text":"but,","start":164.625,"end":165.125,"sentiment":"neutral","sentiment_score":0.04906534776091576}],"sentiment":"neutral","sentiment_score":0.04906534776091576,"channel":0,"num_words":1,"start":164.625,"end":165.125},{"sentences":[{"text":"Yeah.","start":164.915,"end":165.315,"sentiment":"neutral","sentiment_score":0.11342240124940872},{"text":"That's","start":165.315,"end":165.555,"sentiment":"neutral","sentiment_score":0.2485990971326828}],"sentiment":"neutral","sentiment_score":0.18101074919104576,"channel":1,"num_words":2,"start":164.915,"end":165.555},{"sentences":[{"text":"yeah.","start":165.505,"end":166.005,"sentiment":"neutral","sentiment_score":0.30645668506622314}],"sentiment":"neutral","sentiment_score":0.30645668506622314,"channel":0,"num_words":1,"start":165.505,"end":166.005},{"sentences":[{"text":"great.","start":165.555,"end":166.055,"sentiment":"positive","sentiment_score":0.5944809913635254},{"text":"Good.","start":166.595,"end":167.075,"sentiment":"positive","sentiment_score":0.48628878593444824},{"text":"Yeah.","start":167.075,"end":167.235,"sentiment":"positive","sentiment_score":0.33500048518180847},{"text":"No.","start":167.235,"end":167.475,"sentiment":"neutral","sentiment_score":0.30475443601608276},{"text":"I'm 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worry","start":170.6,"end":171.8,"sentiment":"neutral","sentiment_score":0.22180252522230148}],"sentiment":"positive","sentiment_score":0.4585282848431514,"channel":1,"num_words":13,"start":167.875,"end":171.8},{"sentences":[{"text":"Yep.","start":171.56,"end":172.06,"sentiment":"neutral","sentiment_score":0.1984884142875671}],"sentiment":"neutral","sentiment_score":0.1984884142875671,"channel":0,"num_words":1,"start":171.56,"end":172.06},{"sentences":[{"text":"me.","start":171.8,"end":171.96,"sentiment":"neutral","sentiment_score":0.22441785037517548},{"text":"The $200 a fortnight is 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good.","start":179.16,"end":179.98,"sentiment":"positive","sentiment_score":0.8228411674499512}],"sentiment":"positive","sentiment_score":0.609624023652739,"channel":1,"num_words":18,"start":174.84,"end":179.98},{"sentences":[{"text":"Yeah.","start":180.41501,"end":180.655,"sentiment":"positive","sentiment_score":0.33746621012687683},{"text":"Probably less of a shock than what you saw.","start":180.655,"end":182.57501,"sentiment":"neutral","sentiment_score":0.07882767501804563},{"text":"I did have a look, and I was like, wow.","start":182.57501,"end":184.015,"sentiment":"neutral","sentiment_score":0.2323889508843422},{"text":"The first contribution was 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your","start":192.015,"end":192.41501,"sentiment":"neutral","sentiment_score":0.1944320648908615}],"sentiment":"neutral","sentiment_score":0.1944320648908615,"channel":0,"num_words":2,"start":192.015,"end":192.41501},{"sentences":[{"text":"Good.","start":192.345,"end":192.845,"sentiment":"neutral","sentiment_score":0.28491783142089844}],"sentiment":"neutral","sentiment_score":0.28491783142089844,"channel":1,"num_words":1,"start":192.345,"end":192.845},{"sentences":[{"text":"pay.","start":192.41501,"end":192.91501,"sentiment":"neutral","sentiment_score":0.1761215627193451}],"sentiment":"neutral","sentiment_score":0.1761215627193451,"channel":0,"num_words":1,"start":192.41501,"end":192.91501},{"sentences":[{"text":"Yeah.","start":193.065,"end":193.565,"sentiment":"neutral","sentiment_score":0.09484530985355376},{"text":"Yeah.","start":193.785,"end":194.025,"sentiment":"neutral","sentiment_score":0.08474315702915192},{"text":"Well, I kinda it was funny because, like, I got so much I got 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paid.","start":208.39,"end":213.525,"sentiment":"neutral","sentiment_score":0.014735308311441365}],"sentiment":"neutral","sentiment_score":0.012968493706506231,"channel":1,"num_words":23,"start":206.79,"end":213.525},{"sentences":[{"text":"Yep.","start":214.045,"end":214.545,"sentiment":"neutral","sentiment_score":0.1473875641822815}],"sentiment":"neutral","sentiment_score":0.1473875641822815,"channel":0,"num_words":1,"start":214.045,"end":214.545},{"sentences":[{"text":"So anything else is just bonus money, I guess.","start":214.305,"end":217.185,"sentiment":"neutral","sentiment_score":0.3192748228708903},{"text":"So it's all 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team","start":400.96,"end":410.035,"sentiment":"neutral","sentiment_score":0.17981518147622838}],"sentiment":"positive","sentiment_score":0.3629901138907772,"channel":0,"num_words":59,"start":395.19998,"end":410.035},{"sentences":[{"text":"Yep.","start":409.865,"end":410.365,"sentiment":"neutral","sentiment_score":0.3029094934463501}],"sentiment":"neutral","sentiment_score":0.3029094934463501,"channel":1,"num_words":1,"start":409.865,"end":410.365},{"sentences":[{"text":"will definitely touch base in November.","start":410.035,"end":411.875,"sentiment":"neutral","sentiment_score":0.24722672005494437},{"text":"We'll have a bit of an earlier annual review.","start":411.875,"end":413.875,"sentiment":"neutral","sentiment_score":0.15573971718549728},{"text":"We assess your super, how it's been growing and working, any maybe make some updates to your portfolio as well, and then look at, you know, moving forward, what else we can sort of help 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you","start":426.22998,"end":426.62997,"sentiment":"positive","sentiment_score":0.5514985918998718}],"sentiment":"positive","sentiment_score":0.5514985918998718,"channel":1,"num_words":2,"start":426.22998,"end":426.62997},{"sentences":[{"text":"you.","start":426.51666,"end":427.01666,"sentiment":"positive","sentiment_score":0.5486049056053162}],"sentiment":"positive","sentiment_score":0.5486049056053162,"channel":0,"num_words":1,"start":426.51666,"end":427.01666},{"sentences":[{"text":"so much.","start":426.62997,"end":427.28998,"sentiment":"positive","sentiment_score":0.3972802609205246}],"sentiment":"positive","sentiment_score":0.3972802609205246,"channel":1,"num_words":2,"start":426.62997,"end":427.28998},{"sentences":[{"text":"Okay?","start":427.02332,"end":427.52332,"sentiment":"neutral","sentiment_score":0.1456344872713089},{"text":"That's okay.","start":427.53,"end":428.25,"sentiment":"neutral","sentiment_score":0.21569659560918808},{"text":"I hope you have a good day.","start":428.25,"end":429.44998,"sentiment":"neutral","sentiment_score":0.31902383480753216},{"text":"Are you working today?","start":429.44998,"end":430.66998,"sentiment":"neutral","sentiment_score":0.0724640004336834}],"sentiment":"neutral","sentiment_score":0.22143218027693884,"channel":0,"num_words":14,"start":427.02332,"end":430.66998},{"sentences":[{"text":"Now I've got the day off.","start":431.19,"end":432.47,"sentiment":"neutral","sentiment_score":0.07753032570083936},{"text":"So yeah.","start":432.47,"end":433.28998,"sentiment":"neutral","sentiment_score":0.17927587777376175}],"sentiment":"neutral","sentiment_score":0.10296671371906996,"channel":1,"num_words":8,"start":431.19,"end":433.28998},{"sentences":[{"text":"Beautiful.","start":433.93,"end":434.43,"sentiment":"positive","sentiment_score":0.3983532190322876},{"text":"Well, I hope you enjoy that.","start":434.57,"end":435.93,"sentiment":"positive","sentiment_score":0.3833318005005519},{"text":"I hope it's nice and sunny.","start":435.93,"end":437.38998,"sentiment":"neutral","sentiment_score":0.3197980374097824}],"sentiment":"positive","sentiment_score":0.3551640189610995,"channel":0,"num_words":13,"start":433.93,"end":437.38998},{"sentences":[{"text":"Thank you.","start":437.89502,"end":438.375,"sentiment":"neutral","sentiment_score":0.22352073341608047},{"text":"No.","start":438.375,"end":438.61502,"sentiment":"neutral","sentiment_score":-0.016292035579681396},{"text":"It's raining at the moment, but it looks like the sun is trying to come out.","start":438.61502,"end":442.375,"sentiment":"neutral","sentiment_score":-0.023955758777447045},{"text":"So, hopefully.","start":442.375,"end":443.195,"sentiment":"neutral","sentiment_score":0.0501779280602932}],"sentiment":"neutral","sentiment_score":0.007038721282567296,"channel":1,"num_words":21,"start":437.89502,"end":443.195},{"sentences":[{"text":"Well all good.","start":445.56497,"end":446.76498,"sentiment":"neutral","sentiment_score":0.19161738952000937},{"text":"Well, thank you so much for your time.","start":446.76498,"end":448.44498,"sentiment":"positive","sentiment_score":0.5609169639647007},{"text":"I hope you have a lovely day.","start":448.44498,"end":449.88498,"sentiment":"positive","sentiment_score":0.5800516945975167},{"text":"And if anything does come up, please do let me know.","start":449.88498,"end":452.28497,"sentiment":"neutral","sentiment_score":0.22091481631452387},{"text":"Happy to help you out.","start":452.28497,"end":453.66498,"sentiment":"positive","sentiment_score":0.5233361542224884}],"sentiment":"positive","sentiment_score":0.4167439262656605,"channel":0,"num_words":34,"start":445.56497,"end":453.66498},{"sentences":[{"text":"Easy.","start":453.805,"end":454.305,"sentiment":"positive","sentiment_score":0.7008161544799805}],"sentiment":"positive","sentiment_score":0.7008161544799805,"channel":0,"num_words":1,"start":453.805,"end":454.305},{"sentences":[{"text":"Yeah.","start":454.01,"end":454.25,"sentiment":"positive","sentiment_score":0.7236549854278564},{"text":"Awesome.","start":454.25,"end":454.65,"sentiment":"positive","sentiment_score":0.9067223072052002},{"text":"Thanks, Dana.","start":454.65,"end":455.37,"sentiment":"positive","sentiment_score":0.8839471638202667},{"text":"Have a good day.","start":455.37,"end":456.1,"sentiment":"positive","sentiment_score":0.7711588591337204},{"text":"Bye.","start":456.1,"end":456.6,"sentiment":"positive","sentiment_score":0.5050899386405945}],"sentiment":"positive","sentiment_score":0.7764441106054518,"channel":1,"num_words":9,"start":454.01,"end":456.6},{"sentences":[{"text":"Thanks, Denise.","start":456.46695,"end":457.10693,"sentiment":"positive","sentiment_score":0.7336422502994537},{"text":"See you later.","start":457.10693,"end":457.74695,"sentiment":"positive","sentiment_score":0.576077938079834},{"text":"Bye.","start":457.74695,"end":458.24695,"sentiment":"neutral","sentiment_score":-0.09080439805984496}],"sentiment":"positive","sentiment_score":0.5174523194630941,"channel":0,"num_words":6,"start":456.46695,"end":458.24695}]},"summary":{"result":"success","short":"Representatives from Okie Financial call customers to confirm personal information and discuss recent salary increases. They reassure customers that they can carry forward contributions and offer to check in with them at a later time. The importance of maintaining an appropriate balance is emphasized, along with the potential for changes to their lifestyle and reducing debt to reduce risk. Representatives also offer assistance and update portfolios, but customer availability is limited due to work commitments due to rain."},"intents":{"segments":[{"text":"I had you booked in for a bit of a quick catch up this morning. Is now still a good time there for you? Yeah.","start_word":28,"end_word":52,"intents":[{"intent":"Schedule a catch-up","confidence_score":0.008361488}]},{"text":"And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep.","start_word":154,"end_word":184,"intents":[{"intent":"Confirm information","confidence_score":0.08057257},{"intent":"Confirm identity","confidence_score":0.023660934},{"intent":"Confirm security check","confidence_score":0.065712035},{"intent":"Provide information about security check","confidence_score":0.00060986925}]},{"text":"Thank you so much for that. So just kind of recapping on our last conversation there. You were looking at increasing the salary sacrifice. It looks like you started doing that. How are you sort of finding things? Yeah.","start_word":206,"end_word":244,"intents":[{"intent":"Identify potential issues","confidence_score":0.000017643073},{"intent":"Recap conversation","confidence_score":0.08019277}]},{"text":"You were looking at increasing the salary sacrifice. It looks like you started doing that. How are you sort of finding things? Yeah.","start_word":222,"end_word":244,"intents":[{"intent":"Discuss earning income","confidence_score":0.0000024405365}]},{"text":"So I'm hoping Perfect. that won't push me over the cap, or if it does that I can I can use some from the previous year? Is that right?","start_word":329,"end_word":357,"intents":[{"intent":"Resolve cap cap conflict","confidence_score":0.000016676659}]},{"text":"Well, I'll keep an eye on things there for you. Did you wanna do a bit of a catch up prior to your annual review, or are you happy just to catch up early December and we'll do a a full under review of your circumstances and sort of assess how the salary sacrifice is working for you? Yeah. Yeah.","start_word":714,"end_word":773,"intents":[{"intent":"Evaluate salary sacrifices and performance","confidence_score":0.000018504663}]},{"text":"So I might even organize your annual review to sorta happen around about sort of late November. If you're comfortable, just bring it forward slightly. That way, we can kind of assess everything as a whole and then update the advice if we need to prior to the Christmas break. Does that sound okay? Yeah.","start_word":957,"end_word":1011,"intents":[{"intent":"Evaluate super progress","confidence_score":0.004256287}]},{"text":"We'll just sort of see that salary sacrificing going in on a bit more of a regular basis, make sure it's not sort of eating into your expenditure too much there, and my team Yep. will definitely touch base in November.","start_word":1319,"end_word":1359,"intents":[{"intent":"Assess salary goals","confidence_score":0.0005748363}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Danae. This is Dana from Okie Financial. How are you this morning? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1387705355882645},{"text":"Good, Dana.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.4061795175075531},{"text":"How are you? Yeah.","start_word":17,"end_word":20,"sentiment":"neutral","sentiment_score":0.3055274486541748},{"text":"Very well. Thank you. Thanks for asking.","start_word":21,"end_word":27,"sentiment":"positive","sentiment_score":0.6007524728775024},{"text":"I had you booked in for a bit of a quick catch up this morning. Is now still a good time there for you? Yeah. Yeah. I'm just driving, but, yes, I'm could definitely talk. I just may go through one little area where there's not good service. That's okay. That's honestly not a problem at all. If Good. I if I if I drop out, feel free to ring me back in, like, two minutes or something. Well, Yep. sir, not an issue.","start_word":28,"end_word":111,"sentiment":"neutral","sentiment_score":0.10176005214452744},{"text":"Easy. Thank you so much for confirming that.","start_word":112,"end_word":119,"sentiment":"positive","sentiment_score":0.5732016563415527},{"text":"Danae, just 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? Yes.","start_word":120,"end_word":152,"sentiment":"neutral","sentiment_score":0.31181398034095764},{"text":"Fantastic.","start_word":153,"end_word":153,"sentiment":"positive","sentiment_score":0.4713127017021179},{"text":"And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep. Shanae O'Sullivan. Twenty fifth of Yep. the twelfth nineteen eighty three. Five five six Bellano Road, Gunalaba, New South Wales.","start_word":154,"end_word":204,"sentiment":"neutral","sentiment_score":0.11688533425331116},{"text":"Beautiful. Thank you so much for that.","start_word":205,"end_word":211,"sentiment":"positive","sentiment_score":0.45953449606895447},{"text":"So just kind of recapping on our last conversation there. You were looking at increasing the salary sacrifice. It looks like you started doing that. How are you sort of finding things? Yeah.","start_word":212,"end_word":244,"sentiment":"neutral","sentiment_score":0.016514724120497704},{"text":"I just like, I way overestimated.","start_word":245,"end_word":250,"sentiment":"negative","sentiment_score":-0.3545859754085541},{"text":"So I've kind of I it's it's so difficult. I was kind of trying to do it as a percentage, and then I worked twenty hours overtime. So I made heaps of money, and they just took heaps of money. You know, it obviously increased the percentage Yeah. that fortnight. That's why there's such a big amount went went in, which is fine. So now I've just pulled it back to salary sacrificing $200 and fortnight.","start_word":251,"end_word":326,"sentiment":"neutral","sentiment_score":-0.12684233427832},{"text":"Yep. Perfect. So I'm hoping Perfect.","start_word":327,"end_word":332,"sentiment":"positive","sentiment_score":0.3887331187725067},{"text":"that won't push me over the cap, or if it does that I can I can use some from the previous year? Is that right? Yeah. So if you do happen to go over the cap this year, we just need to make sure that you do have some, what they call, carry forward contributions from the last five financial years. Yeah. Yeah. Generally speaking, to sort of make sure you're eligible for that, as long as your balance is under 500,000 as at thirtieth of during last financial year, which it was, Yeah. your, you know, eligibility is absolutely fine for that. So that's not a problem. I can Yeah. I know you are due to have your annual review in December, so we'll make sure we have that sort of catch up around that time? I'll look at what your contributions are. We can certainly reassess income and maybe even just look at your carry forward up until that point as well just to make sure you've got that eligibility, and just keep an eye on things. If we feel like you're gonna start going over the cap, we can always come back and pull it back a little bit, or make sure we let you know. So Yeah. but, Yeah. That's yeah.","start_word":333,"end_word":547,"sentiment":"neutral","sentiment_score":0.10791721194982529},{"text":"great. Good. Yeah.","start_word":548,"end_word":550,"sentiment":"positive","sentiment_score":0.47192344069480896},{"text":"No.","start_word":551,"end_word":551,"sentiment":"neutral","sentiment_score":0.30475443601608276},{"text":"I'm happy Fantastic. with that. That's a good kind of good strategy.","start_word":552,"end_word":563,"sentiment":"positive","sentiment_score":0.530823826789856},{"text":"So that doesn't worry Yep. me. The $200 a fortnight is easy. Yep. That's not that's not an issue.","start_word":564,"end_word":582,"sentiment":"neutral","sentiment_score":0.2739335298538208},{"text":"So it's gonna make a big difference in the future. That's good. Yeah.","start_word":583,"end_word":595,"sentiment":"positive","sentiment_score":0.7391685247421265},{"text":"Probably less of a shock than what you saw. I did have a look, and I was like, wow.","start_word":596,"end_word":614,"sentiment":"neutral","sentiment_score":0.17900611460208893},{"text":"The first contribution was huge.","start_word":615,"end_word":619,"sentiment":"positive","sentiment_score":0.5574653744697571},{"text":"Yep. Yep. Bit of See, a shock yes. to your Good. pay. Yeah. Yeah. Well, I kinda it was funny because, like, I got so much I got paid so much anyway. I didn't really notice. It's really difficult to judge what I'm kind of gonna get paid every fortnight. It's it it varies so much. So I kind of base my living on the bare minimum of what I can get paid. Yep. So anything else is just bonus money, I guess.","start_word":620,"end_word":702,"sentiment":"neutral","sentiment_score":0.06879368424415588},{"text":"So it's all good.","start_word":703,"end_word":706,"sentiment":"positive","sentiment_score":0.4274912178516388},{"text":"Yeah. No. Yeah. No. Absolutely. No. Definitely. Well, I'll keep an eye on things there for you. Did you wanna do a bit of a catch up prior to your annual review, or are you happy just to catch up early December and we'll do a a full under review of your circumstances and sort of assess how the salary sacrifice is working for you? Yeah. Yeah. That sounds good. Yeah.","start_word":707,"end_word":777,"sentiment":"neutral","sentiment_score":0.07001122832298279},{"text":"I'm happy with the December Yep. is good. Yeah. Beautiful. Excellent.","start_word":778,"end_word":788,"sentiment":"positive","sentiment_score":0.38586702942848206},{"text":"Well, I did also have a quick look at your sleep, but just to sort of see to how things are tracking, I can see when we sort of meet in December, there might be some changes I wanna make to your sleep, but we'll sort of revisit that in December when we're reassessing all of your circumstances there. But, essentially, Yes. overall, because you essentially your super was opened up in 2024 around about this time in August 2024 since coming on board.","start_word":789,"end_word":872,"sentiment":"neutral","sentiment_score":0.15555711090564728},{"text":"Your super has returned income plus growth of about 21.50%.","start_word":873,"end_word":882,"sentiment":"positive","sentiment_score":0.4584411680698395},{"text":"So when we look at that and break it down over the two years, it's about 10.75% you're averaging on a yearly basis currently.","start_word":883,"end_word":906,"sentiment":"neutral","sentiment_score":0.09631887823343276},{"text":"So it's working nicely.","start_word":907,"end_word":910,"sentiment":"positive","sentiment_score":0.4620856344699859},{"text":"Yeah. Yeah. But we do wanna keep evolving and making changes to it to build it as much as possible, and so investments that you had in your super a couple of years ago might not be suitable to keeping your super moving down the track. So I might even organize your annual review to sorta happen around about sort of late November. If you're comfortable, just bring it forward slightly. That way, we can kind of assess everything as a whole and then update the advice if we need to prior to the Christmas break. Does that sound okay? Yeah.","start_word":911,"end_word":1011,"sentiment":"neutral","sentiment_score":0.05617048963904381},{"text":"Perfect. Excellent. Excellent.","start_word":1012,"end_word":1014,"sentiment":"positive","sentiment_score":0.6553058624267578},{"text":"Is there any sort of questions or anything that you had that you wanted me to sort of touch on for you today or any assistance or anything you wanted me to look No. at for you? No. I don't think so. I'm just gonna plod No. along and keep trying Yep. to kinda pay a little bit of debt and build some more money in my offset so that yeah. It's like my home Yes. loan interest is the thing that really bothers me. So, yeah, I just we keep working towards that in the meantime. Yeah. Absolutely. Putting you're putting as much as you possibly can, like, any extra spare cash into your offset account or onto the loan Yeah. to kinda help reduce Everything. that. Yep. Yeah. All my money is in my offset. So everything, even Yep. my husband's pay goes into my offset account.","start_word":1015,"end_word":1163,"sentiment":"neutral","sentiment_score":-0.008463664911687374},{"text":"Beautiful.","start_word":1164,"end_word":1164,"sentiment":"positive","sentiment_score":0.43468424677848816},{"text":"So it's all it's everything's there that could possibly be there. Yep.","start_word":1165,"end_word":1176,"sentiment":"neutral","sentiment_score":0.24511031806468964},{"text":"Beautiful.","start_word":1177,"end_word":1177,"sentiment":"positive","sentiment_score":0.3719513416290283},{"text":"Yep. Yeah. It sort of takes a bit of time. Like, with everything, you sort of see it compound and grow and build over time. You sort of start off with a smaller amount, but the more you save, the more you have going in there, the more that offset account grows, the greater of an effect it'll have on the on the loan interest payments and things like that. So Yeah. but it does Yeah. definitely take time to feel it and to see it. I understand that. Yeah. Yep. Yep. No. All good.","start_word":1178,"end_word":1272,"sentiment":"neutral","sentiment_score":0.08242048636863106},{"text":"All good. Well, that's everything I was gonna go through.","start_word":1273,"end_word":1282,"sentiment":"positive","sentiment_score":0.3404882252216339},{"text":"And if there's anything else you need, please do me know.","start_word":1283,"end_word":1293,"sentiment":"neutral","sentiment_score":0.20461881160736084},{"text":"I'm more than happy to make additional time to chat if you need anything, but I'm really happy that things are working for you nicely.","start_word":1294,"end_word":1318,"sentiment":"positive","sentiment_score":0.6014131307601929},{"text":"We'll just sort of see that salary sacrificing going in on a bit more of a regular basis, make sure it's not sort of eating into your expenditure too much there, and my team Yep. will definitely touch base in November. We'll have a bit of an earlier annual review. We assess your super, how it's been growing and working, any maybe make some updates to your portfolio as well, and then look at, you know, moving forward, what else we can sort of help with Great.","start_word":1319,"end_word":1405,"sentiment":"neutral","sentiment_score":0.18047867715358737},{"text":"Awesome. for Thank you you. so much.","start_word":1406,"end_word":1412,"sentiment":"positive","sentiment_score":0.4669472277164459},{"text":"Okay? That's okay. I hope you have a good day. Are you working today? Now I've got the day off. So yeah.","start_word":1413,"end_word":1434,"sentiment":"neutral","sentiment_score":0.17830051481723783},{"text":"Beautiful. Well, I hope you enjoy that.","start_word":1435,"end_word":1441,"sentiment":"positive","sentiment_score":0.3794831931591034},{"text":"I hope it's nice and sunny. Thank you. No. It's raining at the moment, but it looks like the sun is trying to come out. So, hopefully. Well all good.","start_word":1442,"end_word":1471,"sentiment":"neutral","sentiment_score":0.09289485216140748},{"text":"Well, thank you so much for your time. I hope you have a lovely day.","start_word":1472,"end_word":1486,"sentiment":"positive","sentiment_score":0.5622702836990356},{"text":"And if anything does come up, please do let me know.","start_word":1487,"end_word":1497,"sentiment":"neutral","sentiment_score":0.22119645774364471},{"text":"Happy to help you out. Easy. Yeah. Awesome. Thanks, Dana. Have a good day. Bye. Thanks, Denise. See you later.","start_word":1498,"end_word":1517,"sentiment":"positive","sentiment_score":0.6811659038066864},{"text":"Bye.","start_word":1518,"end_word":1518,"sentiment":"neutral","sentiment_score":0.2725068926811218}],"average":{"sentiment":"neutral","sentiment_score":0.1485711669921875}}}}