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No. He he was like he was like, I was like, thank you so much for calling back. He goes, oh, I can't ignore her call. I was like, Janine got on to you, didn't she? He goes, yeah. Told me to call you. I was like, I appreciate it. Anyway, he has given me express instructions to talk to the boss. So yeah. Yeah. Lovely, man. No. He's perfect. So because I'm gonna do an official call, I do need to let you know that our call is recorded. And if I can get you to confirm security for me, so it's a full name and address. Oh, no. It is. Sorry. No. Twitter. Yes. It is. Well done. Sorry. It is. I shouldn't know that off the top of my head by now. Cool. So what I was talking to Damon about was he has the one path policy. One path policy yes. It's it's it's two different policies, but the same same. The first one is owned by the Superfund. It was originally written in 2010 as a life policy, and then there was an increase to that policy written in 2017. At the time that the increase happened, that's when the trauma policy was also written, which is owned personally by him. So it covers him for 1.5 mil of life. It's 1,500,005 thousand and 94 dollars, I think. But yeah. Yeah. Exactly. And change. And then there's the standalone trauma, which is $3,185.38 $5.39. He yes. Yeah. I I was just trying around like, trauma as we've seen. He was like, yep. Yep. Yep. Yep. Yep. Cool. I was like, alright. He was very polite in listening, but very, very didn't care. Yeah. Yeah. Yeah. Did. Was easy. No. Realistically, the conversation is what do we need? Because then we have the ClearView policy as well. Yep. And that's what I will review, but I need to know what we what what dollars and cents do we need if all goes down and he's not here. Yep. Yep. And I I exactly. It is. They're only life they're it's a life policy only, and one path is no. One path is is 1,000,000, and then ClearView is the is 600,000. Life's life. So if we're terminal or we pass away, that's when it's paid out. Terminal definition is within twenty four months of life life expectancy. And, yeah, the benefits paid out to the life insured or beneficiaries. Mhmm. Yep. Oh, I love I love annually too. And that's convenient because one of them gives me annually and the other one after math. No. So ClearView ClearView for the 600, we're looking at $593.84. Because I have to take it for monthly, which should just be simple math. Not 500. Oh, $3,397.05. Mhmm. Oh, just give me a second. I have to now you're adding now you're asking hard questions. Yep. It pays nope. That's just for the life policy that's paid by the Superfund. The one that comes out of pocket? No. So there's two policies. One comes from the Superfund. One comes from the bank account. One comes from your personal bank account. For one pass. Yep. Well yeah. Well, it's still set up this way, so that's really weird. But anyway so it it is it's a super owned policy, so it shouldn't be getting paid out of it shouldn't be getting paid out of the bank account. Like, I could see that it's a monthly direct debit. Yep. Yep. Yes. Yeah. Yeah. Okay. No. I no. That's okay. I understand exactly what you're saying. No. That's fine. And then he yeah. Cool. So, oh, that's yep. So all in all, if if we're if we're gonna if we're gonna talk about both the policies, his two policies with one path cost $6,430.80 a year. Yeah. Which cost him $33 a year? Absolutely. I don't deny keeping trauma, but I no. Yeah. Yes. I'm just looking at yours now, but I got distracted. I love it. Me too. It's my favorite. You are at 1.5. $15.75 is what you're at. Yeah. Whichever provide whichever provider is gonna provide the better premium and yep. Yep. Yes. He one of the one of the conversations him and I he and I had was he was like, I don't think I need 1.5 mil, but Janine said in the past that she needs more cover than I do because if she if she goes before I go, I need the money to be able to live the lavish lifestyle that I that I lead. But she doesn't she doesn't need any of the money. And I said, that makes sense. Yeah. Yep. Yeah. Yeah. Absolutely. So I'm gonna the the one thing I yes. Yes. Yeah. Yeah. Yeah. His his is the same, which is which is fine, and I can it'll be features that I'll be looking at as well as cost. Your policy there, my love, I can't touch it. Yeah. I I can I can drop it? I can decrease it, and I can quote what it's gonna be to drop the cover, but I can't move providers because you're currently going through treatment. Yeah. Yeah. Cool. That's fine. We I'll yeah. No. It's been a crazy twelve months. Yeah. Yeah. Yep. Yeah. No. Yeah. It'll it'll be a matter of dropping one, both, or whichever and consolidating, getting rid of, decreasing the expenses. Now do we want the SMSF to pay for the life cover? Because I can just get it funded by the SMSF where the SMSF will get invoiced each year. Yours. Yeah. Yeah. A sender. Same. Same. Fine. Yes. Cool. Alright. That's okay. Well, holiday sounds good. No. But I can. Okay. Me and all my friends. I don't have any. We're just we're gonna go to for a week. Oh, good. Me and my book's gonna have the best time. I will. Yeah. All that free time I have. Absolutely. Decrease yours. Look at his for mil $7.50. Package it up, email you the quote so that way you can numbers it down. I will email all of the current covers and the premium amount so that way you have current versus proposed. You say, yay, nay, go slow, and I will document, you sign, we do. Yeah. In simple terms. I like it. I know that. Perfect. I will get cracking on it, and I will email you. You leave Sunday, Monday. Oh, you've got another week. Cool. Cool. Cool. Yeah. Okay. Cool. Yeah. That's fine. I love a good WhatsApp call anyway. Absolutely. I'd not need to pay for international roaming. Do you wanna look at TPD for Daemen and or income protection? Yeah. Yep. Yeah. Absolutely. Cool. Yep. Alright. And we're gonna match so I'll mill $7.50, see how it goes. Perfect. I will have a look, see, and see how I go. Anytime, my love. You have a good one, and I'll speak to you soon. Yes. Steve, you can keep under a thousand dollars because I go there once a month, and I don't think I've ever spent under a thousand dollars, to be honest. I should. Yeah. Yeah. Yeah. I just go I go once a month, and I go and do, like, my big shop without my kids, and I go and do everything. And then my my husband does, like, the bread and and fruits, like, week to week, and he just ducks out of Kohl's. Yeah. And I I do the whole planning. No. No. We sorted out. Let's go. I'll get you the information as quick as I can. Okay? 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love. It's Larissa from Oakview again. He sure did. He called me pretty much about four minutes after I got off the phone to you. We had a really oh, yeah.\n\nNo. He he was like he was like, I was like, thank you so much for calling back. He goes, oh, I can't ignore her call. I was like, Janine got on to you, didn't she? He goes, yeah.\n\nTold me to call you. I was like, I appreciate it. Anyway, he has given me express instructions to talk to the boss. So yeah. Yeah.\n\nLovely, man. No. He's perfect. So because I'm gonna do an official call, I do need to let you know that our call is recorded. And if I can get you to confirm security for me, so it's a full name and address.\n\nOh, no. It is. Sorry. No. Twitter.\n\nYes. It is. Well done. Sorry. It is.\n\nI shouldn't know that off the top of my head by now. Cool. So what I was talking to Damon about was he has the one path policy. One path policy yes. It's it's it's two different policies, but the same same.\n\nThe first one is owned by the Superfund. It was originally written in 2010 as a life policy, and then there was an increase to that policy written in 2017. At the time that the increase happened, that's when the trauma policy was also written, which is owned personally by him. So it covers him for 1.5 mil of life. It's 1,500,005 thousand and 94 dollars, I think.\n\nBut yeah. Yeah. Exactly. And change. And then there's the standalone trauma, which is $3,185.38 $5.39.\n\nHe yes. Yeah. I I was just trying around like, trauma as we've seen. He was like, yep. Yep.\n\nYep. Yep. Yep. Cool. I was like, alright.\n\nHe was very polite in listening, but very, very didn't care. Yeah. Yeah. Yeah. Did.\n\nWas easy. No. Realistically, the conversation is what do we need? Because then we have the ClearView policy as well. Yep.\n\nAnd that's what I will review, but I need to know what we what what dollars and cents do we need if all goes down and he's not here. Yep. Yep. And I I exactly. It is.\n\nThey're only life they're it's a life policy only, and one path is no. One path is is 1,000,000, and then ClearView is the is 600,000. Life's life. So if we're terminal or we pass away, that's when it's paid out. Terminal definition is within twenty four months of life life expectancy.\n\nAnd, yeah, the benefits paid out to the life insured or beneficiaries. Mhmm. Yep. Oh, I love I love annually too. And that's convenient because one of them gives me annually and the other one after math.\n\nNo. So ClearView ClearView for the 600, we're looking at $593.84. Because I have to take it for monthly, which should just be simple math. Not 500. Oh, $3,397.05.\n\nMhmm. Oh, just give me a second. I have to now you're adding now you're asking hard questions. Yep. It pays nope.\n\nThat's just for the life policy that's paid by the Superfund. The one that comes out of pocket? No. So there's two policies. One comes from the Superfund.\n\nOne comes from the bank account. One comes from your personal bank account. For one pass. Yep. Well yeah.\n\nWell, it's still set up this way, so that's really weird. But anyway so it it is it's a super owned policy, so it shouldn't be getting paid out of it shouldn't be getting paid out of the bank account. Like, I could see that it's a monthly direct debit. Yep. Yep.\n\nYes. Yeah. Yeah. Okay. No.\n\nI no. That's okay. I understand exactly what you're saying. No. That's fine.\n\nAnd then he yeah. Cool. So, oh, that's yep. So all in all, if if we're if we're gonna if we're gonna talk about both the policies, his two policies with one path cost $6,430.80 a year. Yeah.\n\nWhich cost him $33 a year? Absolutely. I don't deny keeping trauma, but I no. Yeah. Yes.\n\nI'm just looking at yours now, but I got distracted. I love it. Me too. It's my favorite. You are at 1.5.\n\n$15.75 is what you're at. Yeah. Whichever provide whichever provider is gonna provide the better premium and yep. Yep. Yes.\n\nHe one of the one of the conversations him and I he and I had was he was like, I don't think I need 1.5 mil, but Janine said in the past that she needs more cover than I do because if she if she goes before I go, I need the money to be able to live the lavish lifestyle that I that I lead. But she doesn't she doesn't need any of the money. And I said, that makes sense. Yeah. Yep.\n\nYeah. Yeah. Absolutely. So I'm gonna the the one thing I yes. Yes.\n\nYeah. Yeah. Yeah. His his is the same, which is which is fine, and I can it'll be features that I'll be looking at as well as cost. Your policy there, my love, I can't touch it.\n\nYeah. I I can I can drop it? I can decrease it, and I can quote what it's gonna be to drop the cover, but I can't move providers because you're currently going through treatment. Yeah. Yeah.\n\nCool. That's fine. We I'll yeah. No. It's been a crazy twelve months.\n\nYeah. Yeah. Yep. Yeah. No.\n\nYeah. It'll it'll be a matter of dropping one, both, or whichever and consolidating, getting rid of, decreasing the expenses. Now do we want the SMSF to pay for the life cover? Because I can just get it funded by the SMSF where the SMSF will get invoiced each year. Yours.\n\nYeah. Yeah. A sender. Same. Same.\n\nFine. Yes. Cool. Alright. That's okay.\n\nWell, holiday sounds good. No. But I can. Okay. Me and all my friends.\n\nI don't have any. We're just we're gonna go to for a week. Oh, good. Me and my book's gonna have the best time. I will.\n\nYeah. All that free time I have. Absolutely. Decrease yours. Look at his for mil $7.50.\n\nPackage it up, email you the quote so that way you can numbers it down. I will email all of the current covers and the premium amount so that way you have current versus proposed. You say, yay, nay, go slow, and I will document, you sign, we do. Yeah. In simple terms.\n\nI like it. I know that. Perfect. I will get cracking on it, and I will email you. You leave Sunday, Monday.\n\nOh, you've got another week. Cool. Cool. Cool. Yeah.\n\nOkay. Cool. Yeah. That's fine. I love a good WhatsApp call anyway.\n\nAbsolutely. I'd not need to pay for international roaming. Do you wanna look at TPD for Daemen and or income protection? Yeah. Yep.\n\nYeah. Absolutely. Cool. Yep. Alright.\n\nAnd we're gonna match so I'll mill $7.50, see how it goes. Perfect. I will have a look, see, and see how I go. Anytime, my love. You have a good one, and I'll speak to you soon.\n\nYes. Steve, you can keep under a thousand dollars because I go there once a month, and I don't think I've ever spent under a thousand dollars, to be honest. I should. Yeah. Yeah.\n\nYeah. I just go I go once a month, and I go and do, like, my big shop without my kids, and I go and do everything. And then my my husband does, like, the bread and and fruits, like, week to week, and he just ducks out of Kohl's. Yeah. And I I do the whole planning.\n\nNo. No. We sorted out. Let's go. I'll get you the information as quick as I can.\n\nOkay? You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello, love.","start":2.32,"end":2.8799999,"sentiment":"positive","sentiment_score":0.5283666849136353},{"text":"It's Larissa from Oakview again.","start":2.8799999,"end":4.58,"sentiment":"positive","sentiment_score":0.33333935141563414},{"text":"He sure did.","start":8.0,"end":8.72,"sentiment":"neutral","sentiment_score":0.13631809006134668},{"text":"He called me pretty much about four minutes after I got off the phone to you.","start":8.72,"end":12.42,"sentiment":"neutral","sentiment_score":0.0362246569711715},{"text":"We had a really oh, yeah.","start":13.555,"end":15.715,"sentiment":"neutral","sentiment_score":0.0173334206144015}],"sentiment":"neutral","sentiment_score":0.11924935725983232,"num_words":32,"start":2.32,"end":15.715},{"sentences":[{"text":"No.","start":15.715,"end":15.955,"sentiment":"neutral","sentiment_score":0.018535137176513672},{"text":"He he was like he was like, I was like, thank you so much for calling back.","start":15.955,"end":19.335,"sentiment":"neutral","sentiment_score":0.17855270995813258},{"text":"He goes, oh, I can't ignore her call.","start":19.475,"end":21.975,"sentiment":"neutral","sentiment_score":0.07301522279158235},{"text":"I was like, Janine got on to you, didn't she?","start":22.275002,"end":25.715,"sentiment":"neutral","sentiment_score":0.08256557919085025},{"text":"He goes, yeah.","start":25.715,"end":26.675,"sentiment":"neutral","sentiment_score":0.10334260265032451}],"sentiment":"neutral","sentiment_score":0.1224035022732539,"num_words":39,"start":15.715,"end":26.675},{"sentences":[{"text":"Told me to call you.","start":26.675,"end":27.87,"sentiment":"neutral","sentiment_score":0.2385600686073303},{"text":"I was like, I appreciate it.","start":27.95,"end":30.210001,"sentiment":"positive","sentiment_score":0.49413931369781494},{"text":"Anyway, he has given me express instructions to talk to the boss.","start":31.07,"end":35.33,"sentiment":"neutral","sentiment_score":0.04347390991946062},{"text":"So yeah.","start":37.23,"end":39.07,"sentiment":"neutral","sentiment_score":0.08622857555747032},{"text":"Yeah.","start":39.07,"end":39.39,"sentiment":"neutral","sentiment_score":0.18876390159130096}],"sentiment":"neutral","sentiment_score":0.19386708449858886,"num_words":26,"start":26.675,"end":39.39},{"sentences":[{"text":"Lovely, man.","start":39.39,"end":40.155,"sentiment":"positive","sentiment_score":0.36535099148750305},{"text":"No.","start":41.035,"end":41.274998,"sentiment":"neutral","sentiment_score":0.19273288547992704},{"text":"He's perfect.","start":41.274998,"end":42.094997,"sentiment":"neutral","sentiment_score":0.3153175860643387},{"text":"So because I'm gonna do an official call, I do need to let you know that our call is recorded.","start":42.635,"end":46.235,"sentiment":"neutral","sentiment_score":0.09672307930886745},{"text":"And if I can get you to confirm security for me, so it's a full name and address.","start":46.235,"end":50.094997,"sentiment":"neutral","sentiment_score":0.0655961466125316}],"sentiment":"neutral","sentiment_score":0.10858749455317508,"num_words":43,"start":39.39,"end":50.094997},{"sentences":[{"text":"Oh, no.","start":50.555,"end":50.954998,"sentiment":"neutral","sentiment_score":-0.024443557485938072},{"text":"It is.","start":50.954998,"end":51.195,"sentiment":"neutral","sentiment_score":-0.02140812762081623},{"text":"Sorry.","start":51.195,"end":51.434998,"sentiment":"neutral","sentiment_score":-0.04607708752155304},{"text":"No.","start":51.434998,"end":51.675,"sentiment":"neutral","sentiment_score":-0.03993738442659378},{"text":"Twitter.","start":51.675,"end":52.074997,"sentiment":"neutral","sentiment_score":-0.03297058492898941}],"sentiment":"neutral","sentiment_score":-0.030098346727234975,"num_words":7,"start":50.555,"end":52.074997},{"sentences":[{"text":"Yes.","start":52.074997,"end":52.235,"sentiment":"neutral","sentiment_score":-0.0044443439692258835},{"text":"It is.","start":52.235,"end":52.83,"sentiment":"neutral","sentiment_score":-0.0011242744512856007},{"text":"Well done.","start":52.99,"end":53.730003,"sentiment":"neutral","sentiment_score":0.02962967287749052},{"text":"Sorry.","start":54.11,"end":54.510002,"sentiment":"neutral","sentiment_score":-0.03951270133256912},{"text":"It is.","start":54.510002,"end":55.170002,"sentiment":"neutral","sentiment_score":-0.026869721710681915}],"sentiment":"neutral","sentiment_score":-0.005085711483843625,"num_words":8,"start":52.074997,"end":55.170002},{"sentences":[{"text":"I shouldn't know that off the top of my head by now.","start":56.030003,"end":58.370003,"sentiment":"neutral","sentiment_score":-0.09084079042077065},{"text":"Cool.","start":60.190002,"end":60.690002,"sentiment":"neutral","sentiment_score":0.06160105764865875},{"text":"So what I was talking to Damon about was he has the one path policy.","start":61.07,"end":70.005,"sentiment":"neutral","sentiment_score":0.025951314096649487},{"text":"One path policy yes.","start":70.784996,"end":73.104996,"sentiment":"neutral","sentiment_score":0.024403760209679604},{"text":"It's it's it's two different policies, but the same same.","start":73.104996,"end":76.485,"sentiment":"neutral","sentiment_score":0.008593709021806718}],"sentiment":"neutral","sentiment_score":-0.01084920440223955,"num_words":42,"start":56.030003,"end":76.485},{"sentences":[{"text":"The first one is owned by the Superfund.","start":77.665,"end":80.565,"sentiment":"neutral","sentiment_score":0.011211852077394724},{"text":"It was originally written in 2010 as a life policy, and then there was an increase to that policy written in 2017.","start":81.130005,"end":90.19,"sentiment":"neutral","sentiment_score":-0.007840334310789},{"text":"At the time that the increase happened, that's when the trauma policy was also written, which is owned personally by him.","start":90.73,"end":97.245,"sentiment":"neutral","sentiment_score":-0.01153114429187207},{"text":"So it covers him for 1.5 mil of life.","start":98.345,"end":102.765,"sentiment":"neutral","sentiment_score":0.027434056831730738},{"text":"It's 1,500,005 thousand and 94 dollars, I think.","start":103.225,"end":110.600006,"sentiment":"neutral","sentiment_score":0.0076573246624320745}],"sentiment":"neutral","sentiment_score":-0.0002467861700364772,"num_words":68,"start":77.665,"end":110.600006},{"sentences":[{"text":"But yeah.","start":110.600006,"end":111.26,"sentiment":"neutral","sentiment_score":-0.001631372608244419},{"text":"Yeah.","start":111.72,"end":112.04,"sentiment":"neutral","sentiment_score":0.06020055711269379},{"text":"Exactly.","start":112.04,"end":112.54,"sentiment":"neutral","sentiment_score":0.0928816944360733},{"text":"And change.","start":112.600006,"end":113.340004,"sentiment":"neutral","sentiment_score":0.019056000746786594},{"text":"And then there's the standalone trauma, which is $3,185.38 $5.39.","start":115.32001,"end":120.46001,"sentiment":"neutral","sentiment_score":-0.0027939521285588855}],"sentiment":"neutral","sentiment_score":0.009999499158766412,"num_words":16,"start":110.600006,"end":120.46001},{"sentences":[{"text":"He yes.","start":123.505,"end":124.625,"sentiment":"neutral","sentiment_score":0.01699313009157777},{"text":"Yeah.","start":124.625,"end":124.945,"sentiment":"neutral","sentiment_score":0.004806210286915302},{"text":"I I was just trying around like, trauma as we've seen.","start":124.945,"end":127.744995,"sentiment":"neutral","sentiment_score":-0.07036482305689291},{"text":"He was like, yep.","start":127.744995,"end":128.385,"sentiment":"neutral","sentiment_score":-0.04850951209664345},{"text":"Yep.","start":128.385,"end":128.545,"sentiment":"neutral","sentiment_score":0.011024991981685162}],"sentiment":"neutral","sentiment_score":-0.04832808629266525,"num_words":19,"start":123.505,"end":128.545},{"sentences":[{"text":"Yep.","start":128.545,"end":128.785,"sentiment":"neutral","sentiment_score":0.022395599633455276},{"text":"Yep.","start":128.785,"end":128.86499,"sentiment":"neutral","sentiment_score":0.03963467478752136},{"text":"Yep.","start":128.86499,"end":129.105,"sentiment":"neutral","sentiment_score":0.12377510964870451},{"text":"Cool.","start":129.105,"end":129.225,"sentiment":"positive","sentiment_score":0.3695564270019531},{"text":"I was like, alright.","start":129.225,"end":130.165,"sentiment":"neutral","sentiment_score":0.24626829102635384}],"sentiment":"neutral","sentiment_score":0.1925543718971312,"num_words":8,"start":128.545,"end":130.165},{"sentences":[{"text":"He was very polite in listening, but very, very didn't care.","start":131.825,"end":136.245,"sentiment":"neutral","sentiment_score":0.24534374881874432},{"text":"Yeah.","start":139.64,"end":140.14,"sentiment":"positive","sentiment_score":0.5006952285766602},{"text":"Yeah.","start":141.40001,"end":141.72,"sentiment":"neutral","sentiment_score":0.22052088379859924},{"text":"Yeah.","start":141.72,"end":142.04001,"sentiment":"neutral","sentiment_score":0.20939451456069944},{"text":"Did.","start":142.04001,"end":142.54001,"sentiment":"neutral","sentiment_score":0.252251535654068}],"sentiment":"neutral","sentiment_score":0.25877622663974764,"num_words":15,"start":131.825,"end":142.54001},{"sentences":[{"text":"Was easy.","start":143.08,"end":143.82,"sentiment":"neutral","sentiment_score":0.3073766380548477},{"text":"No.","start":144.36,"end":144.86,"sentiment":"neutral","sentiment_score":-0.0471678152680397},{"text":"Realistically, the conversation is what do we need?","start":147.48,"end":150.62,"sentiment":"neutral","sentiment_score":-0.00006905151531100273},{"text":"Because then we have the ClearView policy as well.","start":151.77501,"end":154.755,"sentiment":"neutral","sentiment_score":0.06068392429086897},{"text":"Yep.","start":160.735,"end":161.21501,"sentiment":"neutral","sentiment_score":0.032945483922958374}],"sentiment":"neutral","sentiment_score":0.05457780244094985,"num_words":21,"start":143.08,"end":161.21501},{"sentences":[{"text":"And that's what I will review, but I need to know what we what what dollars and cents do we need if all goes down and he's not here.","start":161.21501,"end":171.81001,"sentiment":"neutral","sentiment_score":-0.02196652686287617},{"text":"Yep.","start":173.95001,"end":174.45001,"sentiment":"neutral","sentiment_score":-0.018015850335359573},{"text":"Yep.","start":175.31001,"end":175.81001,"sentiment":"neutral","sentiment_score":0.010155417025089264},{"text":"And I I exactly.","start":176.35,"end":178.13,"sentiment":"neutral","sentiment_score":0.154624467715621},{"text":"It is.","start":179.15001,"end":179.715,"sentiment":"neutral","sentiment_score":0.06656690686941147}],"sentiment":"neutral","sentiment_score":0.002884918169395344,"num_words":37,"start":161.21501,"end":179.715},{"sentences":[{"text":"They're only life they're it's a life policy only, and one path is no.","start":192.19499,"end":197.82,"sentiment":"neutral","sentiment_score":-0.040260612698537965},{"text":"One path is is 1,000,000, and then ClearView is the is 600,000.","start":197.82,"end":206.40001,"sentiment":"neutral","sentiment_score":-0.012875831841180721},{"text":"Life's life.","start":220.495,"end":221.28,"sentiment":"neutral","sentiment_score":0.0020467161666601896},{"text":"So if we're terminal or we pass away, that's when it's paid out.","start":221.52,"end":226.1,"sentiment":"neutral","sentiment_score":-0.024576851524985753},{"text":"Terminal definition is within twenty four months of life life expectancy.","start":227.84,"end":232.18,"sentiment":"neutral","sentiment_score":0.0270791118117896}],"sentiment":"neutral","sentiment_score":-0.014147960912221326,"num_words":52,"start":192.19499,"end":232.18},{"sentences":[{"text":"And, yeah, the benefits paid out to the life insured or beneficiaries.","start":236.025,"end":241.08499,"sentiment":"neutral","sentiment_score":0.05192091347028812},{"text":"Mhmm.","start":244.665,"end":245.165,"sentiment":"neutral","sentiment_score":-0.02977271005511284},{"text":"Yep.","start":256.16998,"end":256.49,"sentiment":"neutral","sentiment_score":0.25903651118278503},{"text":"Oh, I love I love annually too.","start":256.49,"end":258.66998,"sentiment":"positive","sentiment_score":0.6338769112314496},{"text":"And that's convenient because one of them gives me annually and the other one after math.","start":258.81,"end":261.77,"sentiment":"neutral","sentiment_score":0.22538184328004718}],"sentiment":"neutral","sentiment_score":0.24042061172627113,"num_words":37,"start":236.025,"end":261.77},{"sentences":[{"text":"No.","start":261.77,"end":262.005,"sentiment":"neutral","sentiment_score":0.010931072756648064},{"text":"So ClearView ClearView for the 600, we're looking at $593.84.","start":262.48502,"end":270.585,"sentiment":"neutral","sentiment_score":0.03291778098791838},{"text":"Because I have to take it for monthly, which should just be simple math.","start":276.66998,"end":280.77,"sentiment":"neutral","sentiment_score":0.05561608262360096},{"text":"Not 500.","start":282.51,"end":283.65,"sentiment":"neutral","sentiment_score":-0.05388234555721283},{"text":"Oh, $3,397.05.","start":284.75,"end":289.815,"sentiment":"neutral","sentiment_score":-0.020547864958643913}],"sentiment":"neutral","sentiment_score":0.033443917873604546,"num_words":29,"start":261.77,"end":289.815},{"sentences":[{"text":"Mhmm.","start":289.815,"end":290.315,"sentiment":"neutral","sentiment_score":0.003820011392235756},{"text":"Oh, just give me a second.","start":298.855,"end":301.01498,"sentiment":"neutral","sentiment_score":-0.05567106915016969},{"text":"I have to now you're adding now you're asking hard questions.","start":301.01498,"end":304.71,"sentiment":"neutral","sentiment_score":-0.06828436932780525},{"text":"Yep.","start":314.70502,"end":315.20502,"sentiment":"neutral","sentiment_score":0.0017347317188978195},{"text":"It pays nope.","start":315.265,"end":318.005,"sentiment":"neutral","sentiment_score":-0.05794909099737803}],"sentiment":"neutral","sentiment_score":-0.05697486397217621,"num_words":22,"start":289.815,"end":318.005},{"sentences":[{"text":"That's just for the life policy that's paid by the Superfund.","start":318.30502,"end":320.885,"sentiment":"neutral","sentiment_score":-0.033797152509743515},{"text":"The one that comes out of pocket?","start":321.505,"end":323.125,"sentiment":"neutral","sentiment_score":-0.04858211215053286},{"text":"No.","start":328.93,"end":329.43,"sentiment":"neutral","sentiment_score":-0.08856408298015594},{"text":"So there's two policies.","start":329.57,"end":330.79,"sentiment":"neutral","sentiment_score":-0.07471154443919659},{"text":"One comes from the Superfund.","start":330.85,"end":332.15,"sentiment":"neutral","sentiment_score":-0.03166612684726715}],"sentiment":"neutral","sentiment_score":-0.044913727058363814,"num_words":28,"start":318.30502,"end":332.15},{"sentences":[{"text":"One comes from the bank account.","start":332.69,"end":334.45,"sentiment":"neutral","sentiment_score":-0.025473315579195816},{"text":"One comes from your personal bank account.","start":334.45,"end":336.38998,"sentiment":"neutral","sentiment_score":-0.01168043805020196},{"text":"For one pass.","start":339.57,"end":340.63,"sentiment":"neutral","sentiment_score":0.008037218203147253},{"text":"Yep.","start":340.85,"end":341.265,"sentiment":"neutral","sentiment_score":0.02006496489048004},{"text":"Well yeah.","start":352.14502,"end":363.06,"sentiment":"neutral","sentiment_score":-0.10112755745649338}],"sentiment":"neutral","sentiment_score":-0.020667445012613347,"num_words":19,"start":332.69,"end":363.06},{"sentences":[{"text":"Well, it's still set up this way, so that's really weird.","start":369.64502,"end":372.285,"sentiment":"neutral","sentiment_score":-0.20099212229251862},{"text":"But anyway so it it is it's a super owned policy, so it shouldn't be getting paid out of it shouldn't be getting paid out of the bank account.","start":372.285,"end":380.20502,"sentiment":"neutral","sentiment_score":-0.07799922212444503},{"text":"Like, I could see that it's a monthly direct debit.","start":380.20502,"end":382.305,"sentiment":"neutral","sentiment_score":-0.006549546401947737},{"text":"Yep.","start":391.55002,"end":392.05002,"sentiment":"neutral","sentiment_score":0.010602357797324656},{"text":"Yep.","start":392.83002,"end":393.33002,"sentiment":"neutral","sentiment_score":0.015948014333844185}],"sentiment":"neutral","sentiment_score":-0.08676607459067152,"num_words":52,"start":369.64502,"end":393.33002},{"sentences":[{"text":"Yes.","start":397.315,"end":397.635,"sentiment":"neutral","sentiment_score":0.0369112491607666},{"text":"Yeah.","start":397.635,"end":397.875,"sentiment":"neutral","sentiment_score":0.020310720428824425},{"text":"Yeah.","start":397.875,"end":398.035,"sentiment":"neutral","sentiment_score":0.014062900096178057},{"text":"Okay.","start":398.035,"end":398.355,"sentiment":"neutral","sentiment_score":-0.00033308565616607666},{"text":"No.","start":398.355,"end":398.67502,"sentiment":"neutral","sentiment_score":-0.13921672105789185}],"sentiment":"neutral","sentiment_score":-0.013652987405657768,"num_words":5,"start":397.315,"end":398.67502},{"sentences":[{"text":"I no.","start":398.67502,"end":399.95502,"sentiment":"neutral","sentiment_score":-0.09766090288758278},{"text":"That's okay.","start":399.95502,"end":400.275,"sentiment":"neutral","sentiment_score":0.039307402446866035},{"text":"I understand exactly what you're saying.","start":400.275,"end":401.635,"sentiment":"neutral","sentiment_score":-0.006837388811012109},{"text":"No.","start":401.635,"end":401.875,"sentiment":"neutral","sentiment_score":-0.07259901612997055},{"text":"That's fine.","start":401.875,"end":402.61502,"sentiment":"neutral","sentiment_score":0.020067370496690273}],"sentiment":"neutral","sentiment_score":-0.01463043145262278,"num_words":13,"start":398.67502,"end":402.61502},{"sentences":[{"text":"And then he yeah.","start":404.11502,"end":405.555,"sentiment":"neutral","sentiment_score":0.07559991348534822},{"text":"Cool.","start":405.555,"end":406.055,"sentiment":"neutral","sentiment_score":0.20000821352005005},{"text":"So, oh, that's yep.","start":407.39502,"end":411.22998,"sentiment":"neutral","sentiment_score":0.07342298608273268},{"text":"So all in all, if if we're if we're gonna if we're gonna talk about both the policies, his two policies with one path cost $6,430.80 a year.","start":411.69,"end":425.52502,"sentiment":"neutral","sentiment_score":0.03351092604654176},{"text":"Yeah.","start":430.14502,"end":430.64502,"sentiment":"neutral","sentiment_score":0.15509691834449768}],"sentiment":"neutral","sentiment_score":0.04972375419579054,"num_words":38,"start":404.11502,"end":430.64502},{"sentences":[{"text":"Which cost him $33 a year?","start":441.91998,"end":445.22,"sentiment":"neutral","sentiment_score":-0.10144280021389325},{"text":"Absolutely.","start":458.17502,"end":458.67502,"sentiment":"neutral","sentiment_score":-0.033742185682058334},{"text":"I don't deny keeping trauma, but I 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1.5.","start":503.375,"end":505.39502,"sentiment":"neutral","sentiment_score":0.26638802513480186}],"sentiment":"neutral","sentiment_score":0.20392299951477486,"num_words":22,"start":486.79498,"end":505.39502},{"sentences":[{"text":"$15.75 is what you're at.","start":508.73502,"end":510.99503,"sentiment":"neutral","sentiment_score":0.17229256629943848},{"text":"Yeah.","start":523.29,"end":523.79,"sentiment":"neutral","sentiment_score":0.01065760012716055},{"text":"Whichever provide whichever provider is gonna provide the better premium and yep.","start":534.425,"end":541.37,"sentiment":"neutral","sentiment_score":0.05679473180013398},{"text":"Yep.","start":546.23,"end":546.73,"sentiment":"neutral","sentiment_score":0.057584941387176514},{"text":"Yes.","start":565.045,"end":565.32,"sentiment":"neutral","sentiment_score":0.01800023764371872}],"sentiment":"neutral","sentiment_score":0.0814621196128428,"num_words":20,"start":508.73502,"end":565.32},{"sentences":[{"text":"He one of the one of the conversations him and I he and I had was he was like, I don't think I need 1.5 mil, but Janine said in the past that she needs more cover than I do because if she if she goes before I go, I need the money to be able to live the lavish lifestyle that I that I lead.","start":566.28,"end":588.085,"sentiment":"neutral","sentiment_score":-0.024821978993713856},{"text":"But she doesn't she doesn't need any of the money.","start":588.465,"end":590.80505,"sentiment":"neutral","sentiment_score":-0.07204798236489296},{"text":"And I said, that makes 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it'll be a matter of dropping one, both, or whichever and consolidating, getting rid of, decreasing the expenses.","start":720.755,"end":732.52,"sentiment":"neutral","sentiment_score":-0.03210266238372577},{"text":"Now do we want the SMSF to pay for the life cover?","start":733.06,"end":736.92,"sentiment":"neutral","sentiment_score":0.051247745441893734},{"text":"Because I can just get it funded by the SMSF where the SMSF will get invoiced each year.","start":738.98,"end":743.035,"sentiment":"neutral","sentiment_score":0.1998451045817799},{"text":"Yours.","start":748.295,"end":748.795,"sentiment":"neutral","sentiment_score":0.07996857166290283}],"sentiment":"neutral","sentiment_score":0.0717018916107276,"num_words":51,"start":720.275,"end":748.795},{"sentences":[{"text":"Yeah.","start":748.935,"end":749.435,"sentiment":"neutral","sentiment_score":0.04853134602308273},{"text":"Yeah.","start":749.57495,"end":749.975,"sentiment":"neutral","sentiment_score":0.04731047153472901},{"text":"A 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any.","start":797.05,"end":797.895,"sentiment":"neutral","sentiment_score":-0.05513499118387699},{"text":"We're just we're gonna go to for a week.","start":798.375,"end":803.09503,"sentiment":"neutral","sentiment_score":0.15232342874838245},{"text":"Oh, good.","start":803.73505,"end":804.47504,"sentiment":"positive","sentiment_score":0.5301426947116852},{"text":"Me and my book's gonna have the best time.","start":804.695,"end":806.715,"sentiment":"positive","sentiment_score":0.5382388631502787},{"text":"I will.","start":812.48,"end":813.22,"sentiment":"neutral","sentiment_score":0.04404859244823456}],"sentiment":"neutral","sentiment_score":0.27472704756431854,"num_words":26,"start":797.05,"end":813.22},{"sentences":[{"text":"Yeah.","start":814.63995,"end":815.04,"sentiment":"neutral","sentiment_score":0.06376604735851288},{"text":"All that free time I 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and I will document, you sign, we do.","start":838.475,"end":844.57996,"sentiment":"neutral","sentiment_score":0.058465392727937014},{"text":"Yeah.","start":848.16,"end":848.66,"sentiment":"neutral","sentiment_score":0.23975595831871033},{"text":"In simple terms.","start":848.72,"end":849.83997,"sentiment":"neutral","sentiment_score":0.22000971933205923}],"sentiment":"neutral","sentiment_score":0.08629018106972272,"num_words":53,"start":828.15497,"end":849.83997},{"sentences":[{"text":"I like it.","start":849.83997,"end":850.74,"sentiment":"positive","sentiment_score":0.3404529392719269},{"text":"I know that.","start":853.85504,"end":854.755,"sentiment":"neutral","sentiment_score":-0.019143824155131977},{"text":"Perfect.","start":857.215,"end":857.715,"sentiment":"neutral","sentiment_score":0.2139369547367096},{"text":"I will get cracking on it, and I will email you.","start":857.85504,"end":860.97504,"sentiment":"neutral","sentiment_score":0.13129691711880945},{"text":"You leave 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we're gonna match so I'll mill $7.50, see how it goes.","start":942.85504,"end":947.59503,"sentiment":"neutral","sentiment_score":0.042363060638308525},{"text":"Perfect.","start":949.575,"end":950.075,"sentiment":"positive","sentiment_score":0.43546801805496216},{"text":"I will have a look, see, and see how I go.","start":950.135,"end":952.555,"sentiment":"neutral","sentiment_score":0.2075825726444071},{"text":"Anytime, my love.","start":955.48,"end":956.36,"sentiment":"positive","sentiment_score":0.35762737194697064},{"text":"You have a good one, and I'll speak to you soon.","start":956.36,"end":958.54,"sentiment":"positive","sentiment_score":0.3946308358149095}],"sentiment":"neutral","sentiment_score":0.22739616722652786,"num_words":38,"start":942.85504,"end":958.54},{"sentences":[{"text":"Yes.","start":961.16,"end":961.66,"sentiment":"neutral","sentiment_score":0.13906089961528778},{"text":"Steve, you can keep under a thousand dollars because I go there once a month, and I don't think I've ever spent under a thousand dollars, to be honest.","start":962.51996,"end":968.06,"sentiment":"neutral","sentiment_score":0.02244951152082147},{"text":"I should.","start":971.505,"end":972.245,"sentiment":"neutral","sentiment_score":-0.013895273208618164},{"text":"Yeah.","start":972.945,"end":973.445,"sentiment":"neutral","sentiment_score":-0.06593972444534302},{"text":"Yeah.","start":974.705,"end":975.205,"sentiment":"neutral","sentiment_score":-0.07737594842910767}],"sentiment":"neutral","sentiment_score":0.018205603365512454,"num_words":34,"start":961.16,"end":975.205},{"sentences":[{"text":"Yeah.","start":975.985,"end":976.305,"sentiment":"neutral","sentiment_score":-0.02481827512383461},{"text":"I just go I go once a month, and I go and do, like, my big shop without my kids, and I go and do everything.","start":976.305,"end":983.33997,"sentiment":"neutral","sentiment_score":0.025968640720328458},{"text":"And then my my husband does, like, the bread and and fruits, like, week to week, and he just ducks out of Kohl's.","start":983.8,"end":991.42,"sentiment":"neutral","sentiment_score":0.03914754177727129},{"text":"Yeah.","start":993.24,"end":993.495,"sentiment":"neutral","sentiment_score":0.10001737624406816},{"text":"And I I do the whole planning.","start":994.295,"end":996.235,"sentiment":"neutral","sentiment_score":0.09822448662349156}],"sentiment":"neutral","sentiment_score":0.04031635563949059,"num_words":58,"start":975.985,"end":996.235},{"sentences":[{"text":"No.","start":1013.82,"end":1014.14,"sentiment":"neutral","sentiment_score":-0.04712115600705147},{"text":"No.","start":1014.14,"end":1014.45996,"sentiment":"neutral","sentiment_score":-0.045354679226875305},{"text":"We sorted out.","start":1014.45996,"end":1015.57996,"sentiment":"neutral","sentiment_score":-0.010965737203756968},{"text":"Let's go.","start":1015.57996,"end":1016.39996,"sentiment":"neutral","sentiment_score":0.0176288690418005},{"text":"I'll get you the information as quick as I can.","start":1019.02094,"end":1020.78094,"sentiment":"positive","sentiment_score":0.6616731196641922}],"sentiment":"positive","sentiment_score":0.38391858164001913,"num_words":17,"start":1013.82,"end":1020.78094},{"sentences":[{"text":"Okay?","start":1020.78094,"end":1021.28094,"sentiment":"positive","sentiment_score":0.36320960521698},{"text":"You too.","start":1023.74097,"end":1024.481,"sentiment":"positive","sentiment_score":0.4592323899269104},{"text":"Bye.","start":1024.5409,"end":1025.0409,"sentiment":"neutral","sentiment_score":0.26388734579086304}],"sentiment":"positive","sentiment_score":0.38639043271541595,"num_words":4,"start":1020.78094,"end":1025.0409}]}}]},{"alternatives":[{"transcript":"Hello. Janine speaking. Hello. Hello. Did you get on to him, or did he get on to you? Yeah. I know. He does as he's told. I love it. Okay. Cool. Yeah. That's what I thought it would do. Yeah. Yep. Toyota. Toyota? Yeah. Hold on. Take take. Yep. True. Yep. Yes. Yep. Mhmm. Mhmm. Okay. Okay. Yep. Yep. Yeah. Whatever. Yeah. Pause. Pause. Yeah. Yeah. Okay. Yeah. Yep. That's him through this whole process. Yep. Great. I'm glad you got that too. Yep. Glad it's not just me. Okay. So my thing exactly. Yeah. So we don't need all of it, but we want to keep the best. Yeah. What what do we actually need? Nothing. Nothing. But it's a nice to have. So I think if we aim for the 1.5 for life and TPD, whichever policy is the better one for that. Because isn't that what both of them are at the moment? That's the amount they're both at? Oh, okay. There's no TPD. Oh, we obviously figured that, you know, I didn't need his money. Right. Okay. So which like, life's life, isn't it? At the end of the day, like, you know Yep. Yeah. Okay. So now my question is, if there's well, they're not same same because one's one mil and one's 600,000. How much does it cost us a year? Let's go annual because I like annual. Yeah. Six hundred then. Yep. Yep. Yep. 30, like, thirteen 100. No. What? Really? Okay. So can we do this? What's my life policy through the Superfund app? Because I'm just thinking if we go same same through the Superfund, cancel the one pass because it's too expensive. Three three? Because that's that's two policies, though, isn't it? But it's it's it's not paid, but I just see the fund. It comes out of payments bank account. This is my other thing. We've gotta change where it comes from because for one part, for Damon. Now he has two deductions that are, like, two days apart come out of his bank account, And I didn't think there was one that came out to him from the SIP fund that the new one that was set up. This was a super fund set up with a different fund where they you would literally just put the money in, and then they would take that out each year, and it would be neutral at the end of the year. It's not ours. It's not Coconut Life. Yeah. So what it what was happening was it was direct debit from his bank account into the super fund that was set up with one pass under their super fund, and then they would take the deduction out of the super fund. So it'd be neutral, but that's just how we got the money in there. Yeah. Yeah. Yeah. Yeah. Yep. Alright. How about Brussels? That's exciting. There you go. Yeah. Okay. Okay. So then if we were to get sorry. If we were to oh my god. Okay. So he's got a trauma, which is $300,000? Yeah. Okay. I just know how easy that one was to pay out when much it happened that I just don't yeah. I we don't need two life policies for him. That's ridiculous. And I have a feeling that the one that we've taken out with you through Clearview, if we bumped it to a mill, which I don't even think we need to. We don't have debt. Right? We've got investment properties that will see themselves. So is mine one? I'm literally standing in the middle of the Costco three d section having this conversation just so you are aware. Okay. I I am. I I am in Costco. I love Costco. Really? Okay. Okay. So I'm thinking just to level cost out a bit because, like, we've got a survey invested. We've got, you know, my next payment coming from Heronshire White, which is, like, 500. We've got, like, we've got we're not skinned. I'm wondering whether we just put both in with Clearview or extension or whoever they whatever they're called at a million each. Yep. Yeah. Yeah. Yeah. So if we go a mill each, then that should kind of balance out. And then we probably don't even need that much, but, you know, just means we definitely don't have to work again. And, like, look, if we first came to us, we just sold Japan, and there's another 700,000. Like, it sounds ridiculous. Money's scattered around the world, literally. Literally. If we need it. Yeah. That that's exactly right. Yeah. Yeah. Because because I earn it more. And I could still like, that was that was always our discussion. We did something happen to Damon, like, you know, even if he was made, like, just under a TPD, you know, I could still work and earn good money. And now we're we're on the flip side of that, but we've got money in the bank now. Such a weird place to be. So I'm just wondering if you could do some quotes for us, like, a mil each. And then his so his trauma would have been the same as mine when I took mine out. That's a very broad cancer diagnosis cover, isn't it? Because it was the same as mine. I'm sure we took it out at the same time. That's why the amounts are odd and a bit different. Yeah. Yeah. Oh, yeah. No. I know that. Oh, my life. Oh, okay. That's fine. Whatever. Yeah. Yeah. That's fine. Yeah. No. That's fine. Yeah. Yeah. Yeah. Yeah. No. That's fine. I get that. I I totally understand, and I'm not upset about that. But I don't think I need 1.5. I think one would be sufficient given that, you know, we've we've got the trauma payout. Like, other stuff happened with work that when we put all of this in place, none of that was happening. So yeah. You think? Yeah. Yeah. Yeah. It has been a little crazy. So but yeah. So if you can do that, maybe get a quote to drop mine, get him a mix a meal. Even if actually, even if you just got him $7.50, it's probably okay. Right. The kids and I will be fine. We'll figure it out. I'll just start selling shit all around the world. And then, yeah, we can just have a look at that. But I I do think he obviously only needs one. He does not need two policies. No. Yeah. Yeah. Yeah. Absolutely. Yeah. Yeah. That's fine. Yeah. Because that's what happens now with Clearview and Accenture. Accenture? Yeah. Accenture. That's it. Accenture. I knew it started with a c e something. Something something. Yeah. Yeah. That would be good. Like, even though yeah. I'm probably not we're not contributing to the super fund. We're still renting the NOA too, so it's putting income in there and yeah. All of that stuff. And we've got some managed funds that if we need to, we can just transfer across to pay bills out of funds. So, yeah, there's money there too. It's not a problem. Just a big chunk of it sits in a property, and then I'll ask you that we're still deciding what we're gonna do with it. We can't because it's in the Superfund. Yeah. I know. You can, actually. Yeah. Yep. You can. Right. That's good. I know where you can stay. Wait. Wait. When you get bored, just look up the website privateretreat.holiday. That'll that'll give you something to do in your free time. Yeah. I know. Right? I know. So we're clear? We're clear on what's happening? Okay. Yep. Yep. Fantastic. Sounds like a great plan. Perfect. Easy. Yep. You know, don't like to me to put you in there. Okay. Perfect. No. Monday week. We've got another week. Yeah. Yeah. Yeah. And then we're still on emails while we're away because we're still taking bookings for Japan and stuff. So we're gonna be on email. So, yeah, like, don't stress. Yeah. Yeah. Just we won't be on phone, phone. We'll be if you need us, it'll be a WhatsApp call. That's fine. Yeah. Exactly. So, you know, the joy of technology these days, I suppose. That's exact exactly right. He doesn't need income protection because, supposedly, he doesn't work. Yeah. Because we've just deregistered him for GST, so his turnover rate fee is gonna be under 75. That was just Chris's recommendation and, you know, it's it's costing us too much money to have him working on a $100. So I said earn $75 and save us $10 in fees. Like yeah. Anyway so, yeah, probably TPD but not income. I don't think he needs income. Like, he hasn't really worked for the last twelve months, and we seem to be doing okay. Yeah. Yeah. That'd be great. Yep. Thank you. K. Sounds good. Thanks, Clarissa. Appreciate it. Well, enjoy my Costco shop. Yes. Oh, really? I come in and buy, like, four things and go. Right. Yeah. I'm like the I'm the crap Costco shopper. They don't like me here, I don't think. Oh, okay. Yep. Yeah. Cool. Yeah. I went literally comfort chicken and, I don't know, carrot cupcakes today or so ago. Because yeah. Yeah. Yeah. I know. Right? I know. I know. Awesome. Okay. Sweet. Well, thank you very much. And, yeah, just whenever. Like I said, there's no rush. It's just on my list of things to sort out. Perfect. I love that. I love it. Okay. Thanks, sir. So have a good day. 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Janine speaking. Hello. Hello. Did you get on to him, or did he get on to you?\n\nYeah. I know. He does as he's told. I love it. Okay.\n\nCool. Yeah. That's what I thought it would do. Yeah. Yep.\n\nToyota. Toyota? Yeah. Hold on. Take take.\n\nYep. True. Yep. Yes. Yep.\n\nMhmm. Mhmm. Okay. Okay. Yep.\n\nYep. Yeah. Whatever. Yeah. Pause.\n\nPause. Yeah. Yeah. Okay. Yeah.\n\nYep. That's him through this whole process. Yep. Great. I'm glad you got that too.\n\nYep. Glad it's not just me. Okay. So my thing exactly. Yeah.\n\nSo we don't need all of it, but we want to keep the best. Yeah. What what do we actually need? Nothing. Nothing.\n\nBut it's a nice to have. So I think if we aim for the 1.5 for life and TPD, whichever policy is the better one for that. Because isn't that what both of them are at the moment? That's the amount they're both at? Oh, okay.\n\nThere's no TPD. Oh, we obviously figured that, you know, I didn't need his money. Right. Okay. So which like, life's life, isn't it?\n\nAt the end of the day, like, you know Yep. Yeah. Okay. So now my question is, if there's well, they're not same same because one's one mil and one's 600,000. How much does it cost us a year?\n\nLet's go annual because I like annual. Yeah. Six hundred then. Yep. Yep.\n\nYep. 30, like, thirteen 100. No. What? Really?\n\nOkay. So can we do this? What's my life policy through the Superfund app? Because I'm just thinking if we go same same through the Superfund, cancel the one pass because it's too expensive. Three three?\n\nBecause that's that's two policies, though, isn't it? But it's it's it's not paid, but I just see the fund. It comes out of payments bank account. This is my other thing. We've gotta change where it comes from because for one part, for Damon.\n\nNow he has two deductions that are, like, two days apart come out of his bank account, And I didn't think there was one that came out to him from the SIP fund that the new one that was set up. This was a super fund set up with a different fund where they you would literally just put the money in, and then they would take that out each year, and it would be neutral at the end of the year. It's not ours. It's not Coconut Life. Yeah.\n\nSo what it what was happening was it was direct debit from his bank account into the super fund that was set up with one pass under their super fund, and then they would take the deduction out of the super fund. So it'd be neutral, but that's just how we got the money in there. Yeah. Yeah. Yeah.\n\nYeah. Yep. Alright. How about Brussels? That's exciting.\n\nThere you go. Yeah. Okay. Okay. So then if we were to get sorry.\n\nIf we were to oh my god. Okay. So he's got a trauma, which is $300,000? Yeah. Okay.\n\nI just know how easy that one was to pay out when much it happened that I just don't yeah. I we don't need two life policies for him. That's ridiculous. And I have a feeling that the one that we've taken out with you through Clearview, if we bumped it to a mill, which I don't even think we need to. We don't have debt.\n\nRight? We've got investment properties that will see themselves. So is mine one? I'm literally standing in the middle of the Costco three d section having this conversation just so you are aware. Okay.\n\nI I am. I I am in Costco. I love Costco. Really? Okay.\n\nOkay. So I'm thinking just to level cost out a bit because, like, we've got a survey invested. We've got, you know, my next payment coming from Heronshire White, which is, like, 500. We've got, like, we've got we're not skinned. I'm wondering whether we just put both in with Clearview or extension or whoever they whatever they're called at a million each.\n\nYep. Yeah. Yeah. Yeah. So if we go a mill each, then that should kind of balance out.\n\nAnd then we probably don't even need that much, but, you know, just means we definitely don't have to work again. And, like, look, if we first came to us, we just sold Japan, and there's another 700,000. Like, it sounds ridiculous. Money's scattered around the world, literally. Literally.\n\nIf we need it. Yeah. That that's exactly right. Yeah. Yeah.\n\nBecause because I earn it more. And I could still like, that was that was always our discussion. We did something happen to Damon, like, you know, even if he was made, like, just under a TPD, you know, I could still work and earn good money. And now we're we're on the flip side of that, but we've got money in the bank now. Such a weird place to be.\n\nSo I'm just wondering if you could do some quotes for us, like, a mil each. And then his so his trauma would have been the same as mine when I took mine out. That's a very broad cancer diagnosis cover, isn't it? Because it was the same as mine. I'm sure we took it out at the same time.\n\nThat's why the amounts are odd and a bit different. Yeah. Yeah. Oh, yeah. No.\n\nI know that. Oh, my life. Oh, okay. That's fine. Whatever.\n\nYeah. Yeah. That's fine. Yeah. No.\n\nThat's fine. Yeah. Yeah. Yeah. Yeah.\n\nNo. That's fine. I get that. I I totally understand, and I'm not upset about that. But I don't think I need 1.5.\n\nI think one would be sufficient given that, you know, we've we've got the trauma payout. Like, other stuff happened with work that when we put all of this in place, none of that was happening. So yeah. You think? Yeah.\n\nYeah. Yeah. It has been a little crazy. So but yeah. So if you can do that, maybe get a quote to drop mine, get him a mix a meal.\n\nEven if actually, even if you just got him $7.50, it's probably okay. Right. The kids and I will be fine. We'll figure it out. I'll just start selling shit all around the world.\n\nAnd then, yeah, we can just have a look at that. But I I do think he obviously only needs one. He does not need two policies. No. Yeah.\n\nYeah. Yeah. Absolutely. Yeah. Yeah.\n\nThat's fine. Yeah. Because that's what happens now with Clearview and Accenture. Accenture? Yeah.\n\nAccenture. That's it. Accenture. I knew it started with a c e something. Something something.\n\nYeah. Yeah. That would be good. Like, even though yeah. I'm probably not we're not contributing to the super fund.\n\nWe're still renting the NOA too, so it's putting income in there and yeah. All of that stuff. And we've got some managed funds that if we need to, we can just transfer across to pay bills out of funds. So, yeah, there's money there too. It's not a problem.\n\nJust a big chunk of it sits in a property, and then I'll ask you that we're still deciding what we're gonna do with it. We can't because it's in the Superfund. Yeah. I know. You can, actually.\n\nYeah. Yep. You can. Right. That's good.\n\nI know where you can stay. Wait. Wait. When you get bored, just look up the website privateretreat.holiday. That'll that'll give you something to do in your free time.\n\nYeah. I know. Right? I know. So we're clear?\n\nWe're clear on what's happening? Okay. Yep. Yep. Fantastic.\n\nSounds like a great plan. Perfect. Easy. Yep. You know, don't like to me to put you in there.\n\nOkay. Perfect. No. Monday week. We've got another week.\n\nYeah. Yeah. Yeah. And then we're still on emails while we're away because we're still taking bookings for Japan and stuff. So we're gonna be on email.\n\nSo, yeah, like, don't stress. Yeah. Yeah. Just we won't be on phone, phone. We'll be if you need us, it'll be a WhatsApp call.\n\nThat's fine. Yeah. Exactly. So, you know, the joy of technology these days, I suppose. That's exact exactly right.\n\nHe doesn't need income protection because, supposedly, he doesn't work. Yeah. Because we've just deregistered him for GST, so his turnover rate fee is gonna be under 75. That was just Chris's recommendation and, you know, it's it's costing us too much money to have him working on a $100. So I said earn $75 and save us $10 in fees.\n\nLike yeah. Anyway so, yeah, probably TPD but not income. I don't think he needs income. Like, he hasn't really worked for the last twelve months, and we seem to be doing okay. Yeah.\n\nYeah. That'd be great. Yep. Thank you. K.\n\nSounds good. Thanks, Clarissa. Appreciate it. Well, enjoy my Costco shop. Yes.\n\nOh, really? I come in and buy, like, four things and go. Right. Yeah. I'm like the I'm the crap Costco shopper.\n\nThey don't like me here, I don't think. Oh, okay. Yep. Yeah. Cool.\n\nYeah. I went literally comfort chicken and, I don't know, carrot cupcakes today or so ago. Because yeah. Yeah. Yeah.\n\nI know. Right? I know. I know. Awesome.\n\nOkay. Sweet. Well, thank you very much. And, yeah, just whenever. Like I said, there's no rush.\n\nIt's just on my list of things to sort out. Perfect. I love that. I love it. Okay.\n\nThanks, sir. So have a good day. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.96,"sentiment":"neutral","sentiment_score":0.048063404858112335},{"text":"Janine speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.08892681822180748},{"text":"Hello.","start":4.88,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.06861579418182373},{"text":"Hello.","start":5.3599997,"end":5.68,"sentiment":"neutral","sentiment_score":0.04403448849916458},{"text":"Did you get on to him, or did he get on to you?","start":5.68,"end":8.02,"sentiment":"neutral","sentiment_score":0.025130791159776542}],"sentiment":"neutral","sentiment_score":0.03695931161443392,"num_words":18,"start":0.56,"end":8.02},{"sentences":[{"text":"Yeah.","start":12.465,"end":12.625,"sentiment":"neutral","sentiment_score":0.05533979088068008},{"text":"I know.","start":12.625,"end":12.745,"sentiment":"neutral","sentiment_score":0.04895634390413761},{"text":"He does as he's 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him through this whole process.","start":137.66,"end":139.18,"sentiment":"neutral","sentiment_score":0.1827117477854093},{"text":"Yep.","start":139.18,"end":139.58,"sentiment":"neutral","sentiment_score":0.29506754875183105},{"text":"Great.","start":139.58,"end":139.98,"sentiment":"positive","sentiment_score":0.6168994307518005},{"text":"I'm glad you got that too.","start":139.98,"end":141.34,"sentiment":"positive","sentiment_score":0.6780630052089691}],"sentiment":"positive","sentiment_score":0.41492825249830884,"num_words":15,"start":137.34,"end":141.34},{"sentences":[{"text":"Yep.","start":141.34,"end":141.84,"sentiment":"neutral","sentiment_score":0.2278071939945221},{"text":"Glad it's not just me.","start":142.94,"end":144.31999,"sentiment":"neutral","sentiment_score":0.14637037701904773},{"text":"Okay.","start":151.695,"end":152.095,"sentiment":"neutral","sentiment_score":0.05432840809226036},{"text":"So my thing exactly.","start":152.095,"end":155.475,"sentiment":"neutral","sentiment_score":0.052162814885377884},{"text":"Yeah.","start":155.695,"end":156.015,"sentiment":"neutral","sentiment_score":0.0849246010184288}],"sentiment":"neutral","sentiment_score":0.10896361231183012,"num_words":12,"start":141.34,"end":156.015},{"sentences":[{"text":"So we don't need all of it, but we want to keep the best.","start":156.015,"end":160.035,"sentiment":"neutral","sentiment_score":0.09734251509819712},{"text":"Yeah.","start":169.34,"end":169.84,"sentiment":"neutral","sentiment_score":-0.012835588306188583},{"text":"What what do we actually need?","start":171.02,"end":173.44,"sentiment":"neutral","sentiment_score":-0.05823821946978569},{"text":"Nothing.","start":173.66,"end":174.16,"sentiment":"neutral","sentiment_score":-0.06007132306694984},{"text":"Nothing.","start":174.85501,"end":175.35501,"sentiment":"neutral","sentiment_score":-0.04123082756996155}],"sentiment":"neutral","sentiment_score":0.039096876330997635,"num_words":23,"start":156.015,"end":175.35501},{"sentences":[{"text":"But it's a nice to have.","start":176.05501,"end":177.595,"sentiment":"neutral","sentiment_score":0.15172673451403776},{"text":"So I think if we aim for the 1.5 for life and TPD, whichever policy is the better one for that.","start":179.49501,"end":188.86,"sentiment":"neutral","sentiment_score":0.04184504110543501},{"text":"Because isn't that what both of them are at the moment?","start":188.86,"end":190.7,"sentiment":"neutral","sentiment_score":-0.038157425820827484},{"text":"That's the amount they're both at?","start":190.7,"end":192.16,"sentiment":"neutral","sentiment_score":-0.040031563490629196},{"text":"Oh, okay.","start":195.5,"end":195.98001,"sentiment":"neutral","sentiment_score":-0.01462516374886036}],"sentiment":"neutral","sentiment_score":0.023911627778864426,"num_words":46,"start":176.05501,"end":195.98001},{"sentences":[{"text":"There's no TPD.","start":195.98001,"end":196.88,"sentiment":"neutral","sentiment_score":-0.04211394488811493},{"text":"Oh, we obviously figured that, you know, I didn't need his money.","start":208.995,"end":212.375,"sentiment":"neutral","sentiment_score":-0.09470066738625367},{"text":"Right.","start":214.36,"end":214.86,"sentiment":"neutral","sentiment_score":-0.026378724724054337},{"text":"Okay.","start":215.4,"end":215.9,"sentiment":"neutral","sentiment_score":-0.022075194865465164},{"text":"So which like, life's life, isn't it?","start":216.12,"end":219.4,"sentiment":"neutral","sentiment_score":-0.017113966335143362}],"sentiment":"neutral","sentiment_score":-0.059625063634788,"num_words":24,"start":195.98001,"end":219.4},{"sentences":[{"text":"At the end of the day, like, you know Yep.","start":219.4,"end":226.935,"sentiment":"neutral","sentiment_score":0.000028331391513347624},{"text":"Yeah.","start":242.06001,"end":242.3,"sentiment":"neutral","sentiment_score":0.025555003434419632},{"text":"Okay.","start":242.3,"end":242.62001,"sentiment":"neutral","sentiment_score":0.006820457521826029},{"text":"So now my question is, if there's well, they're not same same because one's one mil and one's 600,000.","start":242.62001,"end":249.68001,"sentiment":"neutral","sentiment_score":-0.05294824337684795},{"text":"How much does it cost us a 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100.","start":282.48502,"end":283.785,"sentiment":"neutral","sentiment_score":-0.02644594362936914},{"text":"No.","start":284.565,"end":285.065,"sentiment":"neutral","sentiment_score":-0.05357661843299866},{"text":"What?","start":290.64502,"end":291.14502,"sentiment":"neutral","sentiment_score":-0.013177504763007164},{"text":"Really?","start":291.285,"end":291.785,"sentiment":"neutral","sentiment_score":-0.0020220736041665077}],"sentiment":"neutral","sentiment_score":-0.011141028022393584,"num_words":8,"start":273.53998,"end":291.785},{"sentences":[{"text":"Okay.","start":292.90997,"end":293.31,"sentiment":"neutral","sentiment_score":0.019262483343482018},{"text":"So can we do this?","start":293.31,"end":294.50998,"sentiment":"neutral","sentiment_score":0.02405031993985176},{"text":"What's my life policy through the Superfund app?","start":294.50998,"end":298.37,"sentiment":"neutral","sentiment_score":-0.0041942172683775425},{"text":"Because I'm just thinking if we go same same through the Superfund, cancel the one pass because it's too expensive.","start":305.315,"end":311.415,"sentiment":"neutral","sentiment_score":-0.18692181669175625},{"text":"Three three?","start":312.915,"end":313.815,"sentiment":"neutral","sentiment_score":-0.0343475267291069}],"sentiment":"neutral","sentiment_score":-0.10281030673326717,"num_words":36,"start":292.90997,"end":313.815},{"sentences":[{"text":"Because that's that's two policies, though, isn't it?","start":314.835,"end":317.415,"sentiment":"neutral","sentiment_score":-0.040678092977032065},{"text":"But it's it's it's not paid, but I just see the fund.","start":322.36,"end":324.71997,"sentiment":"neutral","sentiment_score":-0.07316132759054501},{"text":"It comes out of payments bank account.","start":324.71997,"end":326.12,"sentiment":"neutral","sentiment_score":-0.06619083668504443},{"text":"This is my other thing.","start":326.12,"end":327.0,"sentiment":"neutral","sentiment_score":-0.05981243997812271},{"text":"We've gotta change where it comes from because for one part, for Damon.","start":327.0,"end":340.235,"sentiment":"neutral","sentiment_score":-0.04420066839800431}],"sentiment":"neutral","sentiment_score":-0.05645260935028394,"num_words":45,"start":314.835,"end":340.235},{"sentences":[{"text":"Now he has two deductions that are, like, two days apart come out of his bank account, And I didn't think there was one that came out to him from the SIP fund that the new one that was set up.","start":341.735,"end":351.32,"sentiment":"neutral","sentiment_score":-0.058010450041875605},{"text":"This was a super fund set up with a different fund where they you would literally just put the money in, and then they would take that out each year, and it would be neutral at the end of the year.","start":352.58002,"end":362.07498,"sentiment":"neutral","sentiment_score":-0.04448341133027542},{"text":"It's not ours.","start":363.495,"end":364.055,"sentiment":"neutral","sentiment_score":-0.15061462918917337},{"text":"It's not Coconut Life.","start":364.055,"end":367.275,"sentiment":"neutral","sentiment_score":-0.11824830621480942},{"text":"Yeah.","start":382.95,"end":383.27,"sentiment":"neutral","sentiment_score":0.01756608672440052}],"sentiment":"neutral","sentiment_score":-0.056772437132894996,"num_words":90,"start":341.735,"end":383.27},{"sentences":[{"text":"So what it what was happening was it was direct debit from his bank account into the super fund that was set up with one pass under their super fund, and then they would take the deduction out of the super fund.","start":383.27,"end":395.895,"sentiment":"neutral","sentiment_score":0.0029339980600135668},{"text":"So it'd be neutral, but that's just how we got the money in 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Brussels?","start":426.405,"end":427.225,"sentiment":"neutral","sentiment_score":0.09425159295399983},{"text":"That's exciting.","start":427.285,"end":428.105,"sentiment":"positive","sentiment_score":0.42137929797172546}],"sentiment":"neutral","sentiment_score":0.16479680500924587,"num_words":8,"start":402.64,"end":428.105},{"sentences":[{"text":"There you go.","start":430.77,"end":431.49,"sentiment":"neutral","sentiment_score":0.13302172720432281},{"text":"Yeah.","start":431.49,"end":431.73,"sentiment":"neutral","sentiment_score":0.04597340524196625},{"text":"Okay.","start":431.73,"end":432.23,"sentiment":"neutral","sentiment_score":0.029239628463983536},{"text":"Okay.","start":432.45,"end":432.93,"sentiment":"neutral","sentiment_score":0.0010568294674158096},{"text":"So then if we were to get sorry.","start":432.93,"end":435.25,"sentiment":"neutral","sentiment_score":-0.07901235157623887}],"sentiment":"neutral","sentiment_score":-0.011197411987398351,"num_words":14,"start":430.77,"end":435.25},{"sentences":[{"text":"If we were to oh my god.","start":435.25,"end":436.85,"sentiment":"neutral","sentiment_score":-0.15869595536163875},{"text":"Okay.","start":436.85,"end":437.35,"sentiment":"neutral","sentiment_score":-0.07628512382507324},{"text":"So he's got a trauma, which is $300,000?","start":438.53,"end":441.75,"sentiment":"neutral","sentiment_score":-0.14167381264269352},{"text":"Yeah.","start":450.75497,"end":451.07498,"sentiment":"neutral","sentiment_score":-0.048794716596603394},{"text":"Okay.","start":451.07498,"end":451.57498,"sentiment":"neutral","sentiment_score":-0.048181287944316864}],"sentiment":"neutral","sentiment_score":-0.13430685094661182,"num_words":18,"start":435.25,"end":451.57498},{"sentences":[{"text":"I just know how easy that one was to pay out when 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debt.","start":478.97498,"end":479.85498,"sentiment":"neutral","sentiment_score":-0.14645342715084553}],"sentiment":"neutral","sentiment_score":-0.1817374513907866,"num_words":66,"start":453.395,"end":479.85498},{"sentences":[{"text":"Right?","start":479.85498,"end":480.09497,"sentiment":"neutral","sentiment_score":-0.059013914316892624},{"text":"We've got investment properties that will see themselves.","start":480.09497,"end":482.115,"sentiment":"neutral","sentiment_score":0.007384176831692457},{"text":"So is mine one?","start":484.335,"end":486.03497,"sentiment":"neutral","sentiment_score":-0.010041368193924427},{"text":"I'm literally standing in the middle of the Costco three d section having this conversation just so you are aware.","start":492.32,"end":496.9,"sentiment":"neutral","sentiment_score":0.047943994496017696},{"text":"Okay.","start":497.19998,"end":497.69998,"sentiment":"positive","sentiment_score":0.39803022146224976}],"sentiment":"neutral","sentiment_score":0.038729533498339797,"num_words":34,"start":479.85498,"end":497.69998},{"sentences":[{"text":"I I am.","start":497.84,"end":498.63998,"sentiment":"positive","sentiment_score":0.3946615159511566},{"text":"I I am in Costco.","start":498.63998,"end":499.78,"sentiment":"neutral","sentiment_score":0.2869324892759323},{"text":"I love 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skinned.","start":523.25,"end":526.23,"sentiment":"neutral","sentiment_score":-0.0022537836339324713},{"text":"I'm wondering whether we just put both in with Clearview or extension or whoever they whatever they're called at a million each.","start":528.29,"end":536.085,"sentiment":"neutral","sentiment_score":0.0006318358619782058}],"sentiment":"neutral","sentiment_score":0.022618725733269774,"num_words":63,"start":511.425,"end":536.085},{"sentences":[{"text":"Yep.","start":536.225,"end":536.725,"sentiment":"neutral","sentiment_score":0.06399278342723846},{"text":"Yeah.","start":538.865,"end":539.365,"sentiment":"neutral","sentiment_score":0.07966562360525131},{"text":"Yeah.","start":539.985,"end":540.485,"sentiment":"neutral","sentiment_score":0.0743393748998642},{"text":"Yeah.","start":541.185,"end":541.665,"sentiment":"neutral","sentiment_score":0.07740754634141922},{"text":"So if we go a mill each, then that should kind of balance 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literally.","start":562.185,"end":564.66504,"sentiment":"neutral","sentiment_score":-0.03312958932171265},{"text":"Literally.","start":564.66504,"end":565.16504,"sentiment":"neutral","sentiment_score":0.004716408904641867}],"sentiment":"neutral","sentiment_score":-0.04948627102017707,"num_words":49,"start":547.63995,"end":565.16504},{"sentences":[{"text":"If we need it.","start":566.585,"end":567.72504,"sentiment":"neutral","sentiment_score":-0.006771216168999672},{"text":"Yeah.","start":588.515,"end":588.835,"sentiment":"neutral","sentiment_score":-0.042692769318819046},{"text":"That that's exactly 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money.","start":597.315,"end":606.74,"sentiment":"neutral","sentiment_score":0.04500195506060946},{"text":"And now we're we're on the flip side of that, but we've got money in the bank now.","start":606.74,"end":610.33997,"sentiment":"neutral","sentiment_score":-0.08432169662167628},{"text":"Such a weird place to be.","start":610.33997,"end":611.865,"sentiment":"negative","sentiment_score":-0.4991821348667145}],"sentiment":"neutral","sentiment_score":-0.03831341372094524,"num_words":71,"start":591.555,"end":611.865},{"sentences":[{"text":"So I'm just wondering if you could do some quotes for us, like, a mil each.","start":613.305,"end":617.40497,"sentiment":"neutral","sentiment_score":-0.01661440549651161},{"text":"And then his so his trauma would have been the same as mine when I took mine out.","start":619.46497,"end":624.825,"sentiment":"neutral","sentiment_score":-0.13652168586850166},{"text":"That's a very broad cancer diagnosis cover, isn't 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yeah.","start":648.455,"end":648.855,"sentiment":"neutral","sentiment_score":-0.05184555985033512},{"text":"No.","start":648.855,"end":648.935,"sentiment":"neutral","sentiment_score":-0.12938600778579712}],"sentiment":"neutral","sentiment_score":-0.06631107603510221,"num_words":15,"start":635.08,"end":648.935},{"sentences":[{"text":"I know that.","start":648.935,"end":649.495,"sentiment":"neutral","sentiment_score":-0.12532861282428107},{"text":"Oh, my life.","start":649.495,"end":650.47504,"sentiment":"neutral","sentiment_score":-0.06266972050070763},{"text":"Oh, okay.","start":651.895,"end":652.375,"sentiment":"neutral","sentiment_score":0.06426183506846428},{"text":"That's 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fine.","start":660.58,"end":661.32,"sentiment":"neutral","sentiment_score":-0.04957662895321846},{"text":"Yeah.","start":662.18,"end":662.66003,"sentiment":"neutral","sentiment_score":-0.0026229694485664368},{"text":"Yeah.","start":662.66003,"end":662.9,"sentiment":"neutral","sentiment_score":-0.0018494604155421257},{"text":"Yeah.","start":662.9,"end":663.14,"sentiment":"neutral","sentiment_score":0.007954142056405544},{"text":"Yeah.","start":663.14,"end":663.46,"sentiment":"neutral","sentiment_score":0.01157919131219387}],"sentiment":"neutral","sentiment_score":-0.014015392400324345,"num_words":6,"start":660.58,"end":663.46},{"sentences":[{"text":"No.","start":663.46,"end":663.62,"sentiment":"neutral","sentiment_score":-0.012204429134726524},{"text":"That's fine.","start":663.62,"end":664.36,"sentiment":"neutral","sentiment_score":0.0482084471732378},{"text":"I get that.","start":664.42004,"end":665.06,"sentiment":"neutral","sentiment_score":0.054732867827018104},{"text":"I I totally understand, and I'm not upset about that.","start":665.06,"end":667.575,"sentiment":"neutral","sentiment_score":-0.044161994382739066},{"text":"But I don't think I need 1.5.","start":667.815,"end":669.495,"sentiment":"neutral","sentiment_score":-0.09222256392240524}],"sentiment":"neutral","sentiment_score":-0.03646812272136626,"num_words":23,"start":663.46,"end":669.495},{"sentences":[{"text":"I think one would be sufficient given that, you know, we've we've got the trauma payout.","start":669.495,"end":675.275,"sentiment":"neutral","sentiment_score":-0.005146896772203036},{"text":"Like, other stuff happened with work that when we put all of this in place, none of that was happening.","start":675.495,"end":679.995,"sentiment":"neutral","sentiment_score":-0.08625716920942068},{"text":"So yeah.","start":683.81,"end":685.80334,"sentiment":"neutral","sentiment_score":-0.12555763870477676},{"text":"You 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fine.","start":743.85,"end":744.32996,"sentiment":"neutral","sentiment_score":0.21270129829645157},{"text":"Yeah.","start":744.32996,"end":744.49,"sentiment":"neutral","sentiment_score":0.15000712871551514},{"text":"Because that's what happens now with Clearview and Accenture.","start":744.49,"end":748.195,"sentiment":"neutral","sentiment_score":0.14126798344982994},{"text":"Accenture?","start":748.335,"end":748.835,"sentiment":"neutral","sentiment_score":0.035489752888679504},{"text":"Yeah.","start":749.455,"end":749.955,"sentiment":"neutral","sentiment_score":0.04544628411531448}],"sentiment":"neutral","sentiment_score":0.13769697238292014,"num_words":14,"start":743.85,"end":749.955},{"sentences":[{"text":"Accenture.","start":751.135,"end":751.635,"sentiment":"neutral","sentiment_score":0.06850244104862213},{"text":"That's 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stay.","start":801.89496,"end":803.115,"sentiment":"neutral","sentiment_score":0.27013279497623444},{"text":"Wait.","start":807.33496,"end":807.65497,"sentiment":"neutral","sentiment_score":0.02899165078997612},{"text":"Wait.","start":807.65497,"end":807.89496,"sentiment":"neutral","sentiment_score":0.002971000038087368},{"text":"When you get bored, just look up the website privateretreat.holiday.","start":807.89496,"end":811.115,"sentiment":"neutral","sentiment_score":-0.01689462666399777},{"text":"That'll that'll give you something to do in your free time.","start":811.57495,"end":814.71497,"sentiment":"neutral","sentiment_score":0.03843255222521045}],"sentiment":"neutral","sentiment_score":0.0657438354663037,"num_words":29,"start":801.89496,"end":814.71497},{"sentences":[{"text":"Yeah.","start":816.49005,"end":816.57,"sentiment":"neutral","sentiment_score":0.03856079280376434},{"text":"I 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happening?","start":821.05005,"end":822.35004,"sentiment":"neutral","sentiment_score":-0.0004510263912379742},{"text":"Okay.","start":823.93005,"end":824.43005,"sentiment":"neutral","sentiment_score":0.10340463370084764},{"text":"Yep.","start":834.785,"end":835.285,"sentiment":"neutral","sentiment_score":0.04359760880470276},{"text":"Yep.","start":841.185,"end":841.685,"sentiment":"neutral","sentiment_score":0.052120499312877655},{"text":"Fantastic.","start":845.52,"end":846.02,"sentiment":"positive","sentiment_score":0.760382890701294}],"sentiment":"neutral","sentiment_score":0.10636116672928135,"num_words":9,"start":821.05005,"end":846.02},{"sentences":[{"text":"Sounds like a great 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week.","start":864.46497,"end":865.605,"sentiment":"neutral","sentiment_score":-0.010675959987565875}],"sentiment":"neutral","sentiment_score":0.024902721349563863,"num_words":9,"start":858.305,"end":865.605},{"sentences":[{"text":"Yeah.","start":867.02496,"end":867.425,"sentiment":"neutral","sentiment_score":0.05392454192042351},{"text":"Yeah.","start":867.425,"end":867.58496,"sentiment":"neutral","sentiment_score":0.04304931312799454},{"text":"Yeah.","start":867.58496,"end":867.745,"sentiment":"neutral","sentiment_score":0.024207647889852524},{"text":"And then we're still on emails while we're away because we're still taking bookings for Japan and stuff.","start":867.745,"end":871.90497,"sentiment":"neutral","sentiment_score":0.017766527385295678},{"text":"So we're gonna be on 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work.","start":903.16,"end":905.9,"sentiment":"neutral","sentiment_score":-0.1023868054151535},{"text":"Yeah.","start":909.0,"end":909.5,"sentiment":"neutral","sentiment_score":0.02170279622077942},{"text":"Because we've just deregistered him for GST, so his turnover rate fee is gonna be under 75.","start":909.96,"end":915.34,"sentiment":"neutral","sentiment_score":0.05529134654823471},{"text":"That was just Chris's recommendation and, you know, it's it's costing us too much money to have him working on a $100.","start":917.475,"end":924.755,"sentiment":"neutral","sentiment_score":-0.11100209724496711},{"text":"So I said earn $75 and save us $10 in fees.","start":924.755,"end":928.855,"sentiment":"neutral","sentiment_score":-0.02199770611795512}],"sentiment":"neutral","sentiment_score":-0.045020217595041774,"num_words":61,"start":903.16,"end":928.855},{"sentences":[{"text":"Like yeah.","start":928.995,"end":930.69,"sentiment":"neutral","sentiment_score":-0.0029673613607883453},{"text":"Anyway so, yeah, probably TPD but not income.","start":930.69,"end":935.81,"sentiment":"neutral","sentiment_score":-0.05368164135143161},{"text":"I don't think he needs income.","start":935.81,"end":937.03,"sentiment":"neutral","sentiment_score":-0.1339804803331693},{"text":"Like, he hasn't really worked for the last twelve months, and we seem to be doing okay.","start":937.33,"end":941.03,"sentiment":"neutral","sentiment_score":-0.04741692707380828},{"text":"Yeah.","start":942.53,"end":943.03,"sentiment":"neutral","sentiment_score":0.03733142092823982}],"sentiment":"neutral","sentiment_score":-0.059059619848780776,"num_words":34,"start":928.995,"end":943.03},{"sentences":[{"text":"Yeah.","start":947.815,"end":948.055,"sentiment":"neutral","sentiment_score":0.1884833574295044},{"text":"That'd be great.","start":948.055,"end":948.935,"sentiment":"positive","sentiment_score":0.43994465470314026},{"text":"Yep.","start":948.935,"end":949.435,"sentiment":"neutral","sentiment_score":0.2402891367673874},{"text":"Thank you.","start":950.615,"end":951.795,"sentiment":"neutral","sentiment_score":0.26658274978399277},{"text":"K.","start":951.975,"end":952.475,"sentiment":"neutral","sentiment_score":0.17097201943397522}],"sentiment":"neutral","sentiment_score":0.30659299716353416,"num_words":8,"start":947.815,"end":952.475},{"sentences":[{"text":"Sounds good.","start":952.775,"end":953.335,"sentiment":"positive","sentiment_score":0.4778894931077957},{"text":"Thanks, Clarissa.","start":953.335,"end":954.135,"sentiment":"positive","sentiment_score":0.5361680239439011},{"text":"Appreciate it.","start":954.135,"end":955.035,"sentiment":"positive","sentiment_score":0.5741344392299652},{"text":"Well, enjoy my Costco shop.","start":958.74,"end":960.28,"sentiment":"neutral","sentiment_score":0.29494898319244384},{"text":"Yes.","start":962.34,"end":962.84,"sentiment":"neutral","sentiment_score":0.08088836818933487}],"sentiment":"positive","sentiment_score":0.3943347663929065,"num_words":12,"start":952.775,"end":962.84},{"sentences":[{"text":"Oh, really?","start":967.86,"end":968.42,"sentiment":"neutral","sentiment_score":0.003702084068208933},{"text":"I come in and buy, like, four things and go.","start":968.42,"end":970.58,"sentiment":"neutral","sentiment_score":0.008473946992307902},{"text":"Right.","start":970.58,"end":970.98,"sentiment":"neutral","sentiment_score":0.021532300859689713},{"text":"Yeah.","start":970.98,"end":971.3,"sentiment":"neutral","sentiment_score":0.007702652364969253},{"text":"I'm like the I'm the crap Costco shopper.","start":971.3,"end":974.32495,"sentiment":"neutral","sentiment_score":-0.06011361442506313}],"sentiment":"neutral","sentiment_score":-0.016342287459834057,"num_words":22,"start":967.86,"end":974.32495},{"sentences":[{"text":"They don't like me here, I don't think.","start":974.32495,"end":976.02496,"sentiment":"neutral","sentiment_score":-0.09987971652299166},{"text":"Oh, okay.","start":991.96,"end":992.44,"sentiment":"neutral","sentiment_score":0.05748960189521313},{"text":"Yep.","start":992.44,"end":992.84,"sentiment":"neutral","sentiment_score":0.06514430791139603},{"text":"Yeah.","start":992.84,"end":993.16003,"sentiment":"neutral","sentiment_score":0.11688239872455596},{"text":"Cool.","start":993.16003,"end":993.66003,"sentiment":"neutral","sentiment_score":0.16921588778495789}],"sentiment":"neutral","sentiment_score":-0.025601225690199778,"num_words":13,"start":974.32495,"end":993.66003},{"sentences":[{"text":"Yeah.","start":994.12,"end":994.62,"sentiment":"neutral","sentiment_score":0.09527109563350676},{"text":"I went literally comfort chicken and, I don't know, carrot cupcakes today or so ago.","start":994.68,"end":1000.7,"sentiment":"neutral","sentiment_score":0.05914533982674281},{"text":"Because yeah.","start":1000.92004,"end":1001.82,"sentiment":"neutral","sentiment_score":0.0385039821267128},{"text":"Yeah.","start":1002.38495,"end":1002.625,"sentiment":"neutral","sentiment_score":0.04547556862235069},{"text":"Yeah.","start":1002.625,"end":1002.745,"sentiment":"neutral","sentiment_score":0.04209911823272705}],"sentiment":"neutral","sentiment_score":0.05735169220715761,"num_words":20,"start":994.12,"end":1002.745},{"sentences":[{"text":"I know.","start":1002.745,"end":1003.185,"sentiment":"neutral","sentiment_score":0.03296400606632233},{"text":"Right?","start":1003.185,"end":1003.58496,"sentiment":"neutral","sentiment_score":0.036062758415937424},{"text":"I know.","start":1003.58496,"end":1004.245,"sentiment":"neutral","sentiment_score":0.027354534715414047},{"text":"I know.","start":1004.94495,"end":1005.505,"sentiment":"neutral","sentiment_score":0.06520407646894455},{"text":"Awesome.","start":1005.505,"end":1006.005,"sentiment":"neutral","sentiment_score":0.2854556441307068}],"sentiment":"neutral","sentiment_score":0.07157045463100076,"num_words":8,"start":1002.745,"end":1006.005},{"sentences":[{"text":"Okay.","start":1006.225,"end":1006.545,"sentiment":"neutral","sentiment_score":0.2121853828430176},{"text":"Sweet.","start":1006.545,"end":1007.02496,"sentiment":"neutral","sentiment_score":0.26575279235839844},{"text":"Well, thank you very much.","start":1007.02496,"end":1008.14496,"sentiment":"positive","sentiment_score":0.3651905655860901},{"text":"And, yeah, just whenever.","start":1008.14496,"end":1009.90497,"sentiment":"neutral","sentiment_score":0.08607598021626472},{"text":"Like I said, there's no rush.","start":1009.90497,"end":1011.185,"sentiment":"neutral","sentiment_score":0.08035722188651562}],"sentiment":"neutral","sentiment_score":0.18413754443035407,"num_words":17,"start":1006.225,"end":1011.185},{"sentences":[{"text":"It's just on my list of things to sort out.","start":1011.185,"end":1014.08496,"sentiment":"neutral","sentiment_score":0.05149146281182766},{"text":"Perfect.","start":1015.90497,"end":1016.40497,"sentiment":"positive","sentiment_score":0.9103646874427797},{"text":"I love that.","start":1016.63,"end":1017.45,"sentiment":"positive","sentiment_score":0.9270726243654887},{"text":"I love it.","start":1018.14996,"end":1018.97,"sentiment":"positive","sentiment_score":0.9248546163241068},{"text":"Okay.","start":1021.51,"end":1021.99,"sentiment":"positive","sentiment_score":0.4378688037395478}],"sentiment":"positive","sentiment_score":0.4121627689649661,"num_words":18,"start":1011.185,"end":1021.99},{"sentences":[{"text":"Thanks, sir.","start":1021.99,"end":1022.55,"sentiment":"positive","sentiment_score":0.8275925815105438},{"text":"So have a good day.","start":1022.55,"end":1023.52997,"sentiment":"positive","sentiment_score":0.7025917768478394},{"text":"Bye.","start":1024.79,"end":1025.29,"sentiment":"neutral","sentiment_score":-0.09516087919473648}],"sentiment":"positive","sentiment_score":0.6341228960081935,"num_words":8,"start":1021.99,"end":1025.29}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Janine speaking.\n\nChannel 0: Hello, love. It's Larissa from Oakview again.\n\nChannel 1: Hello. Hello. Did you get on to him, or did he get on to you?\n\nChannel 0: He sure did. He called me pretty much about four minutes after I got off the phone to you.\n\nChannel 1: Yeah. I know. He does as he's\n\nChannel 0: We had a really\n\nChannel 1: told.\n\nChannel 0: oh, yeah. No. He he was like he was like, I was like, thank you so much for calling back. He goes, oh, I can't ignore her call. I was like, Janine got on to you, didn't she?\n\nHe goes, yeah. Told\n\nChannel 1: I\n\nChannel 0: me to call you. I was like,\n\nChannel 1: love\n\nChannel 0: I appreciate it.\n\nChannel 1: it.\n\nChannel 0: Anyway, he has given me express instructions to talk to the boss.\n\nChannel 1: Okay. Cool. Yeah. That's what\n\nChannel 0: So\n\nChannel 1: I thought it would do. Yeah.\n\nChannel 0: yeah. Yeah. Lovely, man. No. He's perfect.\n\nSo because I'm gonna do an official call, I do need to let you know that our call is recorded. And if I can get you to confirm security for me, so it's a full\n\nChannel 1: Yep. Toyota.\n\nChannel 0: name and address. Oh, no. It\n\nChannel 1: Toyota?\n\nChannel 0: is. Sorry. No. Twitter. Yes.\n\nIt is.\n\nChannel 1: Yeah.\n\nChannel 0: Well done.\n\nChannel 1: Hold\n\nChannel 0: Sorry.\n\nChannel 1: on.\n\nChannel 0: It is.\n\nChannel 1: Take take.\n\nChannel 0: I shouldn't\n\nChannel 1: Yep.\n\nChannel 0: know that off the top of my head by now. Cool. So what I was talking to Damon about was\n\nChannel 1: True.\n\nChannel 0: he has the one path policy. One path policy\n\nChannel 1: Yep.\n\nChannel 0: yes. It's it's it's two different policies, but the same same.\n\nChannel 1: Yes.\n\nChannel 0: The first one is owned by the Superfund. It was\n\nChannel 1: Yep.\n\nChannel 0: originally written in 2010 as a\n\nChannel 1: Mhmm.\n\nChannel 0: life policy, and then there was an increase to that policy written in 2017. At\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: the time that the increase happened, that's when the trauma policy was also written, which is owned personally by him.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So it covers him for 1.5 mil of life. It's\n\nChannel 1: Yep.\n\nChannel 0: 1,500,005 thousand and 94\n\nChannel 1: Yeah. Whatever.\n\nChannel 0: dollars, I\n\nChannel 1: Yeah.\n\nChannel 0: think. But\n\nChannel 1: Pause.\n\nChannel 0: yeah.\n\nChannel 1: Pause. Yeah.\n\nChannel 0: Yeah. Exactly. And change. And then there's the standalone trauma, which is $3,185.38 $5.39.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: He yes. Yeah. I I was just trying around like, trauma as we've seen. He was like, yep. Yep.\n\nYep. Yep. Yep. Cool. I was like, alright.\n\nHe was very polite in listening, but very, very didn't care.\n\nChannel 1: Yeah. Yep. That's him through this whole process. Yep. Great.\n\nChannel 0: Yeah.\n\nChannel 1: I'm glad you got that too. Yep.\n\nChannel 0: Yeah. Yeah. Did.\n\nChannel 1: Glad\n\nChannel 0: Was\n\nChannel 1: it's\n\nChannel 0: easy.\n\nChannel 1: not just me.\n\nChannel 0: No. Realistically, the conversation is what do we need?\n\nChannel 1: Okay.\n\nChannel 0: Because then\n\nChannel 1: So\n\nChannel 0: we\n\nChannel 1: my\n\nChannel 0: have\n\nChannel 1: thing\n\nChannel 0: the ClearView policy as well.\n\nChannel 1: exactly. Yeah. So we don't need all of it, but we want to keep the best.\n\nChannel 0: Yep. And that's what I will review, but I need to know what we what what dollars and cents do we need if all goes down and\n\nChannel 1: Yeah.\n\nChannel 0: he's\n\nChannel 1: What\n\nChannel 0: not here.\n\nChannel 1: what do we actually need? Nothing.\n\nChannel 0: Yep.\n\nChannel 1: Nothing.\n\nChannel 0: Yep.\n\nChannel 1: But it's\n\nChannel 0: And\n\nChannel 1: a\n\nChannel 0: I\n\nChannel 1: nice\n\nChannel 0: I\n\nChannel 1: to have.\n\nChannel 0: exactly. It is.\n\nChannel 1: So I think if we aim for the 1.5 for life and TPD, whichever policy is the better one for that. Because isn't that what both of them are at the moment? That's the amount they're both at?\n\nChannel 0: They're only life they're it's a life policy only, and\n\nChannel 1: Oh, okay. There's no\n\nChannel 0: one\n\nChannel 1: TPD.\n\nChannel 0: path is no. One path is is 1,000,000, and then ClearView is the is 600,000.\n\nChannel 1: Oh, we obviously figured that, you know, I didn't need his money. Right. Okay. So which like, life's life, isn't it? At the end of the day, like,\n\nChannel 0: Life's\n\nChannel 1: you know\n\nChannel 0: life. So if we're terminal or we pass away, that's when it's paid out.\n\nChannel 1: Yep.\n\nChannel 0: Terminal definition is within twenty four months of life life expectancy. And, yeah, the benefits paid out to the life insured or beneficiaries.\n\nChannel 1: Yeah. Okay. So now my question is,\n\nChannel 0: Mhmm.\n\nChannel 1: if there's well, they're not same same because one's one mil and one's 600,000. How much does it cost us a year? Let's go annual because I like annual.\n\nChannel 0: Yep. Oh, I love I love annually too. And that's\n\nChannel 1: Yeah.\n\nChannel 0: convenient because one of them gives me annually and the other one after math. No. So ClearView ClearView for\n\nChannel 1: Six\n\nChannel 0: the 600,\n\nChannel 1: hundred then. Yep.\n\nChannel 0: we're looking at $593.84.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Because I have to take it for monthly, which should just be simple math.\n\nChannel 1: 30,\n\nChannel 0: Not\n\nChannel 1: like,\n\nChannel 0: 500.\n\nChannel 1: thirteen 100. No.\n\nChannel 0: Oh, $3,397.05. Mhmm.\n\nChannel 1: What? Really? Okay. So can we do this? What's my life policy through the Superfund app?\n\nChannel 0: Oh, just give me a second. I have to now you're adding now you're asking hard questions.\n\nChannel 1: Because I'm just thinking if we go same same through the Superfund, cancel the one pass because it's too expensive. Three three?\n\nChannel 0: Yep.\n\nChannel 1: Because that's\n\nChannel 0: It\n\nChannel 1: that's\n\nChannel 0: pays\n\nChannel 1: two policies, though, isn't it?\n\nChannel 0: nope. That's just for the life policy that's paid by the Superfund. The one that comes out\n\nChannel 1: But\n\nChannel 0: of pocket?\n\nChannel 1: it's it's it's not paid, but I just see the fund. It comes out of payments bank account. This is my other thing. We've gotta change where it comes from because\n\nChannel 0: No. So there's two policies. One comes from the Superfund. One comes from the bank account. One comes from your personal bank account.\n\nChannel 1: for one part, for\n\nChannel 0: For\n\nChannel 1: Damon.\n\nChannel 0: one pass. Yep.\n\nChannel 1: Now he has two deductions that are, like, two days apart come out of his bank account, And I didn't think there was one that came out to him from the SIP fund that the new one that was set up.\n\nChannel 0: Well\n\nChannel 1: This was a super fund set up with a different fund where they you would literally just put the money in, and then they would take that out each year, and it would be neutral at the end of the year.\n\nChannel 0: yeah.\n\nChannel 1: It's not ours. It's not Coconut Life.\n\nChannel 0: Well, it's still set up this way, so that's really weird. But anyway so it it is it's a super owned policy, so it shouldn't be getting paid out of it shouldn't be getting paid out of the bank account. Like, I could see that it's a monthly direct debit.\n\nChannel 1: Yeah. So what it what was happening was it was direct debit from his bank account into the super fund that was set up with one pass under\n\nChannel 0: Yep.\n\nChannel 1: their super fund,\n\nChannel 0: Yep.\n\nChannel 1: and then they would take the deduction out of the super fund. So it'd be neutral,\n\nChannel 0: Yes. Yeah.\n\nChannel 1: but\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: Okay.\n\nChannel 1: just how\n\nChannel 0: No.\n\nChannel 1: we got\n\nChannel 0: I\n\nChannel 1: the money in there. Yeah. Yeah.\n\nChannel 0: no. That's okay. I understand exactly what you're saying. No. That's fine.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And then he yeah. Cool. So, oh, that's yep. So all in all, if if we're if we're gonna if we're gonna talk about both the policies,\n\nChannel 1: Yep.\n\nChannel 0: his two policies with one path cost $6,430.80 a year.\n\nChannel 1: Alright. How about Brussels? That's exciting.\n\nChannel 0: Yeah.\n\nChannel 1: There you go. Yeah. Okay. Okay. So then if we were to get sorry.\n\nIf we were to oh my god. Okay. So he's got a trauma, which is $300,000?\n\nChannel 0: Which cost him $33 a year?\n\nChannel 1: Yeah. Okay. I just know how easy that one was to pay out when much it happened that I just\n\nChannel 0: Absolutely. I don't deny keeping trauma,\n\nChannel 1: don't\n\nChannel 0: but I\n\nChannel 1: yeah. I we don't need two life policies for him.\n\nChannel 0: no.\n\nChannel 1: That's ridiculous. And I have a feeling\n\nChannel 0: Yeah.\n\nChannel 1: that the one that we've taken out with you through Clearview, if we bumped it to a mill, which I don't even think we need to. We don't have debt. Right? We've got investment properties that will see themselves.\n\nChannel 0: Yes.\n\nChannel 1: So is mine one?\n\nChannel 0: I'm just looking at yours now, but I got distracted.\n\nChannel 1: I'm literally standing in the middle of the Costco three d section having this conversation just so you are aware.\n\nChannel 0: I\n\nChannel 1: Okay.\n\nChannel 0: love it.\n\nChannel 1: I I am. I I am in Costco. I love Costco.\n\nChannel 0: Me too. It's my favorite. You are at 1.5.\n\nChannel 1: Really? Okay.\n\nChannel 0: $15.75 is what you're at.\n\nChannel 1: Okay. So I'm thinking just to level cost out a bit because, like, we've got a survey invested. We've got, you know, my next payment coming from Heronshire White, which is, like, 500. We've\n\nChannel 0: Yeah.\n\nChannel 1: got, like, we've got we're not skinned. I'm wondering whether we just put both in with Clearview or extension or whoever they whatever they're called at a\n\nChannel 0: Whichever\n\nChannel 1: million\n\nChannel 0: provide whichever\n\nChannel 1: each.\n\nChannel 0: provider\n\nChannel 1: Yep.\n\nChannel 0: is gonna provide the better premium\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: yep.\n\nChannel 1: Yeah. So if we go a mill each, then that should kind of balance out.\n\nChannel 0: Yep.\n\nChannel 1: And then we probably don't even need that much, but, you know, just means we definitely don't have to work again. And, like, look, if we first came to us, we just sold Japan, and there's another 700,000. Like, it sounds ridiculous. Money's scattered around the world, literally. Literally.\n\nChannel 0: Yes. He\n\nChannel 1: If\n\nChannel 0: one\n\nChannel 1: we need\n\nChannel 0: of the\n\nChannel 1: it.\n\nChannel 0: one of the conversations him and I he and I had was he was like, I don't think I need 1.5 mil, but Janine said in the past that she needs more cover than I do because if she if she goes before I go, I need the money to be able to live the lavish lifestyle that I that I lead. But\n\nChannel 1: Yeah.\n\nChannel 0: she\n\nChannel 1: That\n\nChannel 0: doesn't\n\nChannel 1: that's\n\nChannel 0: she\n\nChannel 1: exactly\n\nChannel 0: doesn't need\n\nChannel 1: right.\n\nChannel 0: any of\n\nChannel 1: Yeah.\n\nChannel 0: the money. And\n\nChannel 1: Yeah.\n\nChannel 0: I said, that\n\nChannel 1: Because because\n\nChannel 0: makes\n\nChannel 1: I\n\nChannel 0: sense.\n\nChannel 1: earn it more.\n\nChannel 0: Yeah.\n\nChannel 1: And I could still like, that was that was always our discussion. We did something happen to Damon, like, you know, even if he was made, like, just under a TPD,\n\nChannel 0: Yep.\n\nChannel 1: you know, I could still work and earn good\n\nChannel 0: Yeah.\n\nChannel 1: money. And now we're we're on the flip side of that, but we've got money in the bank now. Such a weird place to be. So I'm just wondering if you could do some quotes for us, like, a\n\nChannel 0: Yeah.\n\nChannel 1: mil each.\n\nChannel 0: Absolutely.\n\nChannel 1: And then his so his trauma would have been the same as mine when I took mine out. That's a very broad cancer diagnosis cover, isn't it?\n\nChannel 0: So I'm gonna the the\n\nChannel 1: Because\n\nChannel 0: one\n\nChannel 1: it\n\nChannel 0: thing\n\nChannel 1: was\n\nChannel 0: I\n\nChannel 1: the same as mine. I'm sure we took it out at the same time. That's why the\n\nChannel 0: yes.\n\nChannel 1: amounts are odd and a\n\nChannel 0: Yes.\n\nChannel 1: bit different.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. His his is the same, which is which is fine, and I can it'll be features that I'll be looking at as well as cost.\n\nChannel 1: Yeah.\n\nChannel 0: Your policy there, my love, I can't touch it.\n\nChannel 1: Oh, yeah. No. I know that. Oh, my life.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, okay. That's fine.\n\nChannel 0: I\n\nChannel 1: Whatever.\n\nChannel 0: I can\n\nChannel 1: Yeah.\n\nChannel 0: I can drop it? I can decrease it, and I can quote what it's gonna be to drop the cover, but I\n\nChannel 1: Yeah.\n\nChannel 0: can't move\n\nChannel 1: That's fine.\n\nChannel 0: providers because\n\nChannel 1: Yeah.\n\nChannel 0: you're\n\nChannel 1: No.\n\nChannel 0: currently\n\nChannel 1: That's fine.\n\nChannel 0: going through treatment.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. That's fine. I get that. I I totally understand, and I'm not upset about that.\n\nBut\n\nChannel 0: Yeah.\n\nChannel 1: I don't think I need 1.5. I think one would be sufficient\n\nChannel 0: Cool. That's fine. We\n\nChannel 1: given that,\n\nChannel 0: I'll\n\nChannel 1: you know, we've we've got the trauma payout. Like, other\n\nChannel 0: yeah.\n\nChannel 1: stuff happened with work that when we put all of this in place, none of that was happening.\n\nChannel 0: No. It's been a crazy twelve months.\n\nChannel 1: So yeah. You think?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. It has been a little crazy. So but yeah.\n\nSo if you can do that, maybe get a quote to drop mine, get him a mix a meal. Even if actually, even if you just got him $7.50, it's probably okay.\n\nChannel 0: Yep.\n\nChannel 1: Right. The kids and I will be fine. We'll figure it out. I'll just start selling shit all around the world. And then, yeah, we can just have a look at that.\n\nBut I I do think he obviously only needs one. He does not need two policies.\n\nChannel 0: Yeah. No. Yeah. It'll it'll be a matter of dropping one, both, or whichever and\n\nChannel 1: No. Yeah.\n\nChannel 0: consolidating, getting rid of, decreasing the expenses. Now\n\nChannel 1: Yeah.\n\nChannel 0: do we want the SMSF to pay for the life cover?\n\nChannel 1: Yeah. Absolutely. Yeah.\n\nChannel 0: Because I can just get it funded by the SMSF where the SMSF will get invoiced each year.\n\nChannel 1: Yeah. That's fine. Yeah. Because that's what happens now with Clearview and Accenture.\n\nChannel 0: Yours.\n\nChannel 1: Accenture?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. A sender. Same. Same. Fine.\n\nChannel 1: Accenture. That's it. Accenture. I knew it started with a c e something.\n\nChannel 0: Yes.\n\nChannel 1: Something something. Yeah. Yeah. That would be good. Like, even though yeah.\n\nI'm probably not we're not contributing to the super fund. We're still renting the NOA too, so it's putting income in there and yeah. All of that stuff. And we've got some managed funds that if we need to, we can just transfer across to pay bills out of funds. So, yeah, there's money there too.\n\nIt's not a problem.\n\nChannel 0: Cool.\n\nChannel 1: Just\n\nChannel 0: Alright.\n\nChannel 1: a big chunk of it sits in a property, and then I'll ask you that we're still deciding what we're gonna do with it.\n\nChannel 0: That's okay. Well, holiday sounds good.\n\nChannel 1: We can't because it's in the Superfund.\n\nChannel 0: No. But I can.\n\nChannel 1: Yeah. I know. You can, actually. Yeah. Yep.\n\nYou can.\n\nChannel 0: Okay. Me and all my friends. I don't have any. We're just we're gonna go to for\n\nChannel 1: Right. That's\n\nChannel 0: a\n\nChannel 1: good. I know where you can\n\nChannel 0: week.\n\nChannel 1: stay.\n\nChannel 0: Oh, good. Me and my book's gonna have the best time.\n\nChannel 1: Wait. Wait. When you get bored, just look up the website privateretreat.holiday. That'll that'll\n\nChannel 0: I will.\n\nChannel 1: give you something to do in your free time.\n\nChannel 0: Yeah. All that free time I have.\n\nChannel 1: Yeah. I know. Right? I know. So we're clear?\n\nWe're clear on what's happening?\n\nChannel 0: Absolutely.\n\nChannel 1: Okay.\n\nChannel 0: Decrease yours. Look at his for mil $7.50. Package it up, email you the quote so that way you can numbers it down. I will email all of the current covers and the premium amount\n\nChannel 1: Yep.\n\nChannel 0: so that way you have current versus proposed. You say, yay, nay, go slow, and\n\nChannel 1: Yep.\n\nChannel 0: I will document, you sign, we do.\n\nChannel 1: Fantastic. Sounds like a great plan.\n\nChannel 0: Yeah. In simple\n\nChannel 1: Perfect.\n\nChannel 0: terms. I like\n\nChannel 1: Easy.\n\nChannel 0: it.\n\nChannel 1: Yep. You know, don't like to me to put you in there.\n\nChannel 0: I know that. Perfect. I will get\n\nChannel 1: Okay.\n\nChannel 0: cracking on it, and\n\nChannel 1: Perfect.\n\nChannel 0: I will email you. You leave Sunday,\n\nChannel 1: No. Monday week. We've got another\n\nChannel 0: Monday.\n\nChannel 1: week.\n\nChannel 0: Oh, you've got another week. Cool. Cool.\n\nChannel 1: Yeah. Yeah. Yeah. And then we're still on emails while we're away because\n\nChannel 0: Cool.\n\nChannel 1: we're still taking bookings for Japan and stuff. So we're gonna be on email. So, yeah, like, don't stress. Yeah.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Cool.\n\nChannel 1: Just we won't be on phone, phone. We'll be if\n\nChannel 0: Yeah.\n\nChannel 1: you need us, it'll be a WhatsApp call.\n\nChannel 0: That's fine. I love a good WhatsApp call\n\nChannel 1: That's\n\nChannel 0: anyway.\n\nChannel 1: fine. Yeah. Exactly. So, you know, the joy of technology these days, I suppose.\n\nChannel 0: Absolutely. I'd not need to pay for international roaming.\n\nChannel 1: That's exact exactly right.\n\nChannel 0: Do you wanna look at TPD for Daemen and or income protection?\n\nChannel 1: He doesn't need income protection because, supposedly, he doesn't work.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Because we've just deregistered him for GST, so his turnover rate fee is gonna be under 75.\n\nChannel 0: Yep.\n\nChannel 1: That was just Chris's recommendation and, you know, it's it's costing us too much money to have him working on a $100. So I said earn $75 and save us $10 in fees. Like\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: yeah. Anyway so, yeah, probably TPD but not income. I don't think he needs income. Like, he\n\nChannel 0: Cool.\n\nChannel 1: hasn't really worked for the last twelve months, and we seem to be doing\n\nChannel 0: Yep.\n\nChannel 1: okay.\n\nChannel 0: Alright.\n\nChannel 1: Yeah.\n\nChannel 0: And we're gonna match so I'll mill $7.50, see how it goes.\n\nChannel 1: Yeah. That'd be great. Yep.\n\nChannel 0: Perfect. I will\n\nChannel 1: Thank\n\nChannel 0: have a look, see,\n\nChannel 1: you.\n\nChannel 0: and see how\n\nChannel 1: K.\n\nChannel 0: I go.\n\nChannel 1: Sounds good. Thanks, Clarissa. Appreciate it.\n\nChannel 0: Anytime, my love. You have a good one, and I'll speak to you soon.\n\nChannel 1: Well, enjoy my Costco shop.\n\nChannel 0: Yes.\n\nChannel 1: Yes.\n\nChannel 0: Steve, you can keep under a thousand dollars because I go there once a month, and I don't think I've ever spent under a thousand dollars, to be honest.\n\nChannel 1: Oh, really? I come in and buy, like, four things and go. Right. Yeah. I'm like\n\nChannel 0: I\n\nChannel 1: the\n\nChannel 0: should.\n\nChannel 1: I'm the\n\nChannel 0: Yeah.\n\nChannel 1: crap Costco shopper. They don't\n\nChannel 0: Yeah.\n\nChannel 1: like me here, I don't think.\n\nChannel 0: Yeah. I just go I go once a month, and I go and do, like, my big shop without my kids, and I go and do everything. And then my my husband does, like, the bread and and fruits, like, week to week, and he just ducks out of Kohl's.\n\nChannel 1: Oh, okay. Yep. Yeah. Cool.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And I\n\nChannel 1: I went\n\nChannel 0: I\n\nChannel 1: literally\n\nChannel 0: do the whole\n\nChannel 1: comfort\n\nChannel 0: planning.\n\nChannel 1: chicken and, I don't know, carrot cupcakes today or so ago. Because yeah. Yeah. Yeah. I know.\n\nRight? I know. I know. Awesome. Okay.\n\nSweet. Well, thank you very much. And, yeah, just whenever. Like I said, there's no rush. It's just on my list of things to sort out.\n\nChannel 0: No. No. We sorted out. Let's go.\n\nChannel 1: Perfect. I love that. I love it.\n\nChannel 0: I'll get you the information as quick as I can. Okay?\n\nChannel 1: Okay. Thanks, sir. So have a good day.\n\nChannel 0: You too. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.96,"sentiment":"neutral","sentiment_score":0.048063404858112335},{"text":"Janine speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.08892681822180748}],"sentiment":"neutral","sentiment_score":0.0753056804339091,"channel":1,"num_words":3,"start":0.56,"end":1.78},{"sentences":[{"text":"Hello, love.","start":2.32,"end":2.8799999,"sentiment":"positive","sentiment_score":0.5283666849136353},{"text":"It's Larissa from Oakview again.","start":2.8799999,"end":4.58,"sentiment":"positive","sentiment_score":0.33333935141563414}],"sentiment":"positive","sentiment_score":0.3890614467007773,"channel":0,"num_words":7,"start":2.32,"end":4.58},{"sentences":[{"text":"Hello.","start":4.88,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.06861579418182373},{"text":"Hello.","start":5.3599997,"end":5.68,"sentiment":"neutral","sentiment_score":0.04403448849916458},{"text":"Did you get 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They discuss the benefits of different policies and the cost of annual insurance. The conversation includes brief discussion of Larissa's recent health issues and her recent purchase from Costco. They also touch upon the possibility of consolidating insurance and the agent provides financial information. The conversation ends with the agent reminding Larissa to use WhatsApp for future communication."},"intents":{"segments":[{"text":"Because then So we my have thing the ClearView policy as well. exactly. Yeah. So we don't need all of it, but we want to keep the best. Yep. And that's what I will review, but I need to know what we what what dollars and cents do we need if all goes down and Yeah.","start_word":424,"end_word":479,"intents":[{"intent":"Check policy needs","confidence_score":0.00037881656}]},{"text":"So now my question is, Mhmm. if there's well, they're not same same because one's one mil and one's 600,000. How much does it cost us a year?","start_word":646,"end_word":673,"intents":[{"intent":"Inquire about cost","confidence_score":0.011947943}]},{"text":"if there's well, they're not same same because one's one mil and one's 600,000. How much does it cost us a year?","start_word":651,"end_word":672,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.09672042}]},{"text":"What's my life policy through the Superfund app?","start_word":754,"end_word":761,"intents":[{"intent":"Inquire about life insurance","confidence_score":0.024052437}]},{"text":"Now he has two deductions that are, like, two days apart come out of his bank account, And I didn't think there was one that came out to him from the SIP fund that the new one that was set up.","start_word":895,"end_word":935,"intents":[{"intent":"Confirm deductions","confidence_score":0.005279777}]},{"text":"It's not Coconut Life. Well, it's still set up this way, so that's really weird. But anyway so it it is it's a super owned policy, so it shouldn't be getting paid out of it shouldn't be getting paid out of the bank account. Like, I could see that it's a monthly direct debit. Yeah.","start_word":983,"end_word":1037,"intents":[{"intent":"Clarify policy details","confidence_score":0.28210548}]},{"text":"I'm literally standing in the middle of the Costco three d section having this conversation just so you are aware.","start_word":1301,"end_word":1320,"intents":[{"intent":"Arrange conversation","confidence_score":0.0007778793}]},{"text":"I'm literally standing in the middle of the Costco three d section having this conversation just so you are aware. I Okay.","start_word":1301,"end_word":1322,"intents":[{"intent":"Offer assistance","confidence_score":0.005885708}]},{"text":"So I'm thinking just to level cost out a bit because, like, we've got a survey invested. We've got, you know, my next payment coming from Heronshire White, which is, like, 500. We've Yeah.","start_word":1352,"end_word":1385,"intents":[{"intent":"Discuss cost savings","confidence_score":0.083458066}]},{"text":"I'm wondering whether we just put both in with Clearview or extension or whoever they whatever they're called at a Whichever million provide whichever each.","start_word":1393,"end_word":1417,"intents":[{"intent":"Discuss strategy","confidence_score":0.00042059564},{"intent":"Clarify purpose","confidence_score":0.0021740599}]},{"text":"So I'm just wondering if you could do some quotes for us, like, a Yeah. mil each.","start_word":1663,"end_word":1679,"intents":[{"intent":"Request quotes","confidence_score":0.4980607},{"intent":"Get a quote","confidence_score":0.63121915}]},{"text":"Your policy there, my love, I can't touch it. Oh, yeah.","start_word":1775,"end_word":1785,"intents":[{"intent":"Understand insurance coverage","confidence_score":0.007524217}]},{"text":"So if you can do that, maybe get a quote to drop mine, get him a mix a meal.","start_word":1937,"end_word":1955,"intents":[{"intent":"Drop mine","confidence_score":0.2618578}]},{"text":"The kids and I will be fine. We'll figure it out. I'll just start selling shit all around the world. And then, yeah, we can just have a look at that. But I I do think he obviously only needs one. He does not need two policies.","start_word":1972,"end_word":2018,"intents":[{"intent":"Coordinate insurance and finances","confidence_score":0.000024548423}]},{"text":"Do you wanna look at TPD for Daemen and or income protection? He doesn't need income protection because, supposedly, he doesn't work. Yeah.","start_word":2541,"end_word":2563,"intents":[{"intent":"Discuss tpd for daemen and income protection","confidence_score":0.005227683},{"intent":"Discuss tpd for daemen and income protection","confidence_score":0.14447303}]},{"text":"That was just Chris's recommendation and, you know, it's it's costing us too much money to have him working on a $100. So I said earn $75 and save us $10 in fees. Like Yeah.","start_word":2584,"end_word":2618,"intents":[{"intent":"Recommend working on $100","confidence_score":0.005994851},{"intent":"Express dissatisfaction with recommendation","confidence_score":0.0003758495},{"intent":"Offer savings for fee","confidence_score":0.000051015337}]},{"text":"Thanks, Clarissa. Appreciate it.","start_word":2689,"end_word":2692,"intents":[{"intent":"Express appreciation","confidence_score":0.01211985}]},{"text":"Well, enjoy my Costco shop. Yes. Yes.","start_word":2707,"end_word":2713,"intents":[{"intent":"Offer convenience for shopping","confidence_score":0.00030214826}]}]},"sentiments":{"segments":[{"text":"Hello. Janine speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.07530568540096283},{"text":"Hello, love. It's Larissa from Oakview again.","start_word":3,"end_word":9,"sentiment":"positive","sentiment_score":0.39079490303993225},{"text":"Hello. Hello. Did you get on to him, or did he get on to you? He sure did. He called me pretty much about four minutes after I got off the phone to you. Yeah. I know. He does as he's We had a really told. oh, yeah. No. He he was like he was like, I was like, thank you so much for calling back. He goes, oh, I can't ignore her call. I was like, Janine got on to you, didn't she? He goes, yeah. Told I me to call you.","start_word":10,"end_word":102,"sentiment":"neutral","sentiment_score":0.08348830044269562},{"text":"I was like, love I appreciate it.","start_word":103,"end_word":109,"sentiment":"positive","sentiment_score":0.49557819962501526},{"text":"it. Anyway, he has given me express instructions to talk to the boss. Okay. Cool. Yeah. That's what So I thought it would do. Yeah. yeah. Yeah.","start_word":110,"end_word":136,"sentiment":"neutral","sentiment_score":0.1002272292971611},{"text":"Lovely, man.","start_word":137,"end_word":138,"sentiment":"positive","sentiment_score":0.36535099148750305},{"text":"No. He's perfect. So because I'm gonna do an official call, I do need to let you know that our call is recorded. And if I can get you to confirm security for me, so it's a full Yep. Toyota. name and address. Oh, no. It Toyota? is. Sorry. No. Twitter. Yes. It is. Yeah. Well done. Hold Sorry. on. It is. Take take. I shouldn't Yep. know that off the top of my head by now. Cool. So what I was talking to Damon about was True. he has the one path policy. One path policy Yep. yes. It's it's it's two different policies, but the same same. Yes. The first one is owned by the Superfund. It was Yep. originally written in 2010 as a Mhmm. life policy, and then there was an increase to that policy written in 2017. At Mhmm. Okay. the time that the increase happened, that's when the trauma policy was also written, which is owned personally by him. Okay. Yep. So it covers him for 1.5 mil of life. It's Yep. 1,500,005 thousand and 94 Yeah. Whatever. dollars, I Yeah. think. But Pause. yeah. Pause. Yeah. Yeah. Exactly. And change. And then there's the standalone trauma, which is $3,185.38 $5.39. Yeah. Okay. He yes. Yeah. I I was just trying around like, trauma as we've seen. He was like, yep. Yep. Yep. Yep. Yep.","start_word":139,"end_word":369,"sentiment":"neutral","sentiment_score":0.014911481493769528},{"text":"Cool.","start_word":370,"end_word":370,"sentiment":"positive","sentiment_score":0.3695564270019531},{"text":"I was like, alright. He was very polite in listening, but very, very didn't care. Yeah. Yep. That's him through this whole process. Yep.","start_word":371,"end_word":394,"sentiment":"neutral","sentiment_score":0.21677802503108975},{"text":"Great. Yeah. I'm glad you got that too.","start_word":395,"end_word":402,"sentiment":"positive","sentiment_score":0.6337683796882629},{"text":"Yep. Yeah. Yeah. Did. Glad Was it's easy. not just me. No. Realistically, the conversation is what do we need? Okay. Because then So we my have thing the ClearView policy as well. exactly. Yeah. So we don't need all of it, but we want to keep the best. Yep. And that's what I will review, but I need to know what we what what dollars and cents do we need if all goes down and Yeah. he's What not here. what do we actually need? Nothing. Yep. Nothing. Yep. But it's And a I nice I to have. exactly. It is. So I think if we aim for the 1.5 for life and TPD, whichever policy is the better one for that. Because isn't that what both of them are at the moment? That's the amount they're both at? They're only life they're it's a life policy only, and Oh, okay. There's one no TPD. path is no. One path is is 1,000,000, and then ClearView is the is 600,000. Oh, we obviously figured that, you know, I didn't need his money. Right. Okay. So which like, life's life, isn't it? At the end of the day, like, Life's you know life. So if we're terminal or we pass away, that's when it's paid out. Yep. Terminal definition is within twenty four months of life life expectancy. And, yeah, the benefits paid out to the life insured or beneficiaries. Yeah. Okay. So now my question is, Mhmm. if there's well, they're not same same because one's one mil and one's 600,000. How much does it cost us a year? Let's go annual because I like annual. Yep.","start_word":403,"end_word":680,"sentiment":"neutral","sentiment_score":0.013477687043868166},{"text":"Oh, I love I love annually too. And that's Yeah.","start_word":681,"end_word":690,"sentiment":"positive","sentiment_score":0.5382702350616455},{"text":"convenient because one of them gives me annually and the other one after math. No. So ClearView ClearView for Six the 600, hundred then. Yep. we're looking at $593.84. Yep. Yep. Because I have to take it for monthly, which should just be simple math. 30, Not like, 500. thirteen 100. No. Oh, $3,397.05. Mhmm. What? Really? Okay. So can we do this? What's my life policy through the Superfund app? Oh, just give me a second. I have to now you're adding now you're asking hard questions. Because I'm just thinking if we go same same through the Superfund, cancel the one pass because it's too expensive. Three three? Yep. Because that's It that's pays two policies, though, isn't it? nope. That's just for the life policy that's paid by the Superfund. The one that comes out But of pocket? it's it's it's not paid, but I just see the fund. It comes out of payments bank account. This is my other thing. We've gotta change where it comes from because No. So there's two policies. One comes from the Superfund. One comes from the bank account. One comes from your personal bank account. for one part, for For Damon. one pass. Yep. Now he has two deductions that are, like, two days apart come out of his bank account, And I didn't think there was one that came out to him from the SIP fund that the new one that was set up. Well This was a super fund set up with a different fund where they you would literally just put the money in, and then they would take that out each year, and it would be neutral at the end of the year. yeah. It's not ours. It's not Coconut Life. Well, it's still set up this way, so that's really weird. But anyway so it it is it's a super owned policy, so it shouldn't be getting paid out of it shouldn't be getting paid out of the bank account. Like, I could see that it's a monthly direct debit. Yeah. So what it what was happening was it was direct debit from his bank account into the super fund that was set up with one pass under Yep. their super fund, Yep. and then they would take the deduction out of the super fund. So it'd be neutral, Yes. Yeah. but Yeah. that's Okay. just how No. we got I the money in there. Yeah. Yeah. no. That's okay. I understand exactly what you're saying. No. That's fine. Yeah. Yeah. And then he yeah. Cool. So, oh, that's yep. So all in all, if if we're if we're gonna if we're gonna talk about both the policies, Yep. his two policies with one path cost $6,430.80 a year. Alright. How about Brussels?","start_word":691,"end_word":1158,"sentiment":"neutral","sentiment_score":-0.02727791693252631},{"text":"That's exciting.","start_word":1159,"end_word":1160,"sentiment":"positive","sentiment_score":0.4354424476623535},{"text":"Yeah. There you go. Yeah. Okay. Okay. So then if we were to get sorry. If we were to oh my god. Okay. So he's got a trauma, which is $300,000? Which cost him $33 a year? Yeah. Okay. I just know how easy that one was to pay out when much it happened that I just Absolutely. I don't deny keeping trauma, don't but I yeah. I we don't need two life policies for him.","start_word":1161,"end_word":1236,"sentiment":"neutral","sentiment_score":-0.11507101356983183},{"text":"no. That's ridiculous.","start_word":1237,"end_word":1239,"sentiment":"negative","sentiment_score":-0.5555633306503296},{"text":"And I have a feeling Yeah. that the one that we've taken out with you through Clearview, if we bumped it to a mill, which I don't even think we need to. We don't have debt. Right? We've got investment properties that will see themselves. Yes. So is mine one? I'm just looking at yours now, but I got distracted. I'm literally standing in the middle of the Costco three d section having this conversation just so you are aware. I Okay.","start_word":1240,"end_word":1321,"sentiment":"neutral","sentiment_score":-0.07803399497415961},{"text":"love it. I I am.","start_word":1322,"end_word":1326,"sentiment":"positive","sentiment_score":0.5078452825546265},{"text":"I I am in Costco.","start_word":1327,"end_word":1331,"sentiment":"neutral","sentiment_score":0.30763736367225647},{"text":"I love Costco. Me too. It's my favorite.","start_word":1332,"end_word":1339,"sentiment":"positive","sentiment_score":0.6867373585700989},{"text":"You are at 1.5. Really? Okay. $15.75 is what you're at. Okay. So I'm thinking just to level cost out a bit because, like, we've got a survey invested. We've got, you know, my next payment coming from Heronshire White, which is, like, 500. We've Yeah. got, like, we've got we're not skinned. I'm wondering whether we just put both in with Clearview or extension or whoever they whatever they're called at a Whichever million provide whichever each. provider Yep. is gonna provide the better premium Yeah. and Yeah. yep. Yeah. So if we go a mill each, then that should kind of balance out. Yep. And then we probably don't even need that much, but, you know, just means we definitely don't have to work again. And, like, look, if we first came to us, we just sold Japan, and there's another 700,000. Like, it sounds ridiculous. Money's scattered around the world, literally. Literally. Yes. He If one we need of the it. one of the conversations him and I he and I had was he was like, I don't think I need 1.5 mil, but Janine said in the past that she needs more cover than I do because if she if she goes before I go, I need the money to be able to live the lavish lifestyle that I that I lead. But Yeah. she That doesn't that's she exactly doesn't need right. any of Yeah. the money. And Yeah. I said, that Because because makes I sense. earn it more. Yeah. And I could still like, that was that was always our discussion. We did something happen to Damon, like, you know, even if he was made, like, just under a TPD, Yep. you know, I could still work and earn good Yeah. money. And now we're we're on the flip side of that, but we've got money in the bank now.","start_word":1340,"end_word":1656,"sentiment":"neutral","sentiment_score":0.0040349644176920505},{"text":"Such a weird place to be.","start_word":1657,"end_word":1662,"sentiment":"negative","sentiment_score":-0.4932745099067688},{"text":"So I'm just wondering if you could do some quotes for us, like, a Yeah. mil each. Absolutely. And then his so his trauma would have been the same as mine when I took mine out. That's a very broad cancer diagnosis cover, isn't it? So I'm gonna the the Because one it thing was I the same as mine. I'm sure we took it out at the same time. That's why the yes. amounts are odd and a Yes. bit different. Yeah. Yeah. Yeah. Yeah. His his is the same, which is which is fine, and I can it'll be features that I'll be looking at as well as cost. Yeah. Your policy there, my love, I can't touch it. Oh, yeah. No. I know that. Oh, my life. Yeah. Oh, okay. That's fine. I Whatever. I can Yeah. I can drop it? I can decrease it, and I can quote what it's gonna be to drop the cover, but I Yeah. can't move That's fine. providers because Yeah. you're No. currently That's fine. going through treatment. Yeah. Yeah. Yeah. Yeah. Yeah. No. That's fine. I get that. I I totally understand, and I'm not upset about that. But Yeah. I don't think I need 1.5. I think one would be sufficient Cool. That's fine. We given that, I'll you know, we've we've got the trauma payout. Like, other yeah. stuff happened with work that when we put all of this in place, none of that was happening. No. It's been a crazy twelve months. So yeah. You think? Yeah. Yeah. Yeah. Yeah. Yeah. It has been a little crazy. So but yeah. So if you can do that, maybe get a quote to drop mine, get him a mix a meal. Even if actually, even if you just got him $7.50, it's probably okay. Yep. Right. The kids and I will be fine. We'll figure it out.","start_word":1663,"end_word":1981,"sentiment":"neutral","sentiment_score":-0.016185881377294146},{"text":"I'll just start selling shit all around the world.","start_word":1982,"end_word":1990,"sentiment":"negative","sentiment_score":-0.3802383542060852},{"text":"And then, yeah, we can just have a look at that. But I I do think he obviously only needs one. He does not need two policies. Yeah. No. Yeah. It'll it'll be a matter of dropping one, both, or whichever and No. Yeah. consolidating, getting rid of, decreasing the expenses. Now Yeah. do we want the SMSF to pay for the life cover? Yeah. Absolutely. Yeah. Because I can just get it funded by the SMSF where the SMSF will get invoiced each year. Yeah. That's fine. Yeah. Because that's what happens now with Clearview and Accenture. Yours. Accenture? Yeah. Yeah. Yeah. A sender. Same. Same. Fine. Accenture. That's it. Accenture. I knew it started with a c e something. Yes. Something something. Yeah. Yeah. That would be good. Like, even though yeah. I'm probably not we're not contributing to the super fund. We're still renting the NOA too, so it's putting income in there and yeah. All of that stuff. And we've got some managed funds that if we need to, we can just transfer across to pay bills out of funds. So, yeah, there's money there too. It's not a problem.","start_word":1991,"end_word":2184,"sentiment":"neutral","sentiment_score":0.035253893584012985},{"text":"Cool.","start_word":2185,"end_word":2185,"sentiment":"positive","sentiment_score":0.33775824308395386},{"text":"Just Alright. a big chunk of it sits in a property, and then I'll ask you that we're still deciding what we're gonna do with it. That's okay. Well, holiday sounds good. We can't because it's in the Superfund. No. But I can. Yeah. I know. You can, actually. Yeah. Yep. You can. Okay. Me and all my friends. I don't have any. We're just we're gonna go to for Right.","start_word":2186,"end_word":2256,"sentiment":"neutral","sentiment_score":0.04942893236875534},{"text":"That's a good.","start_word":2257,"end_word":2259,"sentiment":"positive","sentiment_score":0.5206853151321411},{"text":"I know where you can week. stay.","start_word":2260,"end_word":2266,"sentiment":"neutral","sentiment_score":0.23955388367176056},{"text":"Oh, good. Me and my book's gonna have the best time.","start_word":2267,"end_word":2277,"sentiment":"positive","sentiment_score":0.5342891216278076},{"text":"Wait. Wait. When you get bored, just look up the website privateretreat.holiday. That'll that'll I will. give you something to do in your free time. Yeah. All that free time I have. Yeah. I know. Right? I know. So we're clear? We're clear on what's happening? Absolutely. Okay. Decrease yours. Look at his for mil $7.50. Package it up, email you the quote so that way you can numbers it down. I will email all of the current covers and the premium amount Yep. so that way you have current versus proposed. You say, yay, nay, go slow, and Yep. I will document, you sign, we do.","start_word":2278,"end_word":2384,"sentiment":"neutral","sentiment_score":0.0458303492551095},{"text":"Fantastic. Sounds like a great plan.","start_word":2385,"end_word":2390,"sentiment":"positive","sentiment_score":0.746350109577179},{"text":"Yeah. In simple Perfect. terms.","start_word":2391,"end_word":2395,"sentiment":"neutral","sentiment_score":0.253839910030365},{"text":"I like Easy.","start_word":2396,"end_word":2398,"sentiment":"positive","sentiment_score":0.3891630172729492},{"text":"it. Yep. You know, don't like to me to put you in there. I know that. Perfect. I will get Okay. cracking on it, and Perfect. I will email you. You leave Sunday, No. Monday week. We've got another Monday. week. Oh, you've got another week. Cool. Cool. Yeah. Yeah. Yeah. And then we're still on emails while we're away because Cool. we're still taking bookings for Japan and stuff. So we're gonna be on email. So, yeah, like, don't stress. Yeah. Yeah. Okay. Yeah. Cool. Just we won't be on phone, phone. We'll be if Yeah. you need us, it'll be a WhatsApp call. That's fine. I love a good WhatsApp call That's anyway. fine. Yeah. Exactly. So, you know, the joy of technology these days, I suppose. Absolutely. I'd not need to pay for international roaming. That's exact exactly right. Do you wanna look at TPD for Daemen and or income protection? He doesn't need income protection because, supposedly, he doesn't work. Yeah. Yeah. Because we've just deregistered him for GST, so his turnover rate fee is gonna be under 75. Yep. That was just Chris's recommendation and, you know, it's it's costing us too much money to have him working on a $100. So I said earn $75 and save us $10 in fees. Like Yeah. Absolutely. yeah. Anyway so, yeah, probably TPD but not income. I don't think he needs income. Like, he Cool. hasn't really worked for the last twelve months, and we seem to be doing Yep. okay. Alright. Yeah. And we're gonna match so I'll mill $7.50, see how it goes. Yeah.","start_word":2399,"end_word":2667,"sentiment":"neutral","sentiment_score":0.023386651795482105},{"text":"That'd be great.","start_word":2668,"end_word":2670,"sentiment":"positive","sentiment_score":0.4356203079223633},{"text":"Yep.","start_word":2671,"end_word":2671,"sentiment":"neutral","sentiment_score":0.2402891367673874},{"text":"Perfect.","start_word":2672,"end_word":2672,"sentiment":"positive","sentiment_score":0.43546801805496216},{"text":"I will have Thank a look, see, you. and see how K. I go.","start_word":2673,"end_word":2686,"sentiment":"neutral","sentiment_score":0.22433166205883023},{"text":"Sounds good. Thanks, Clarissa. Appreciate it. Anytime, my love. You have a good one, and I'll speak to you soon.","start_word":2687,"end_word":2706,"sentiment":"positive","sentiment_score":0.4390033781528473},{"text":"Well, enjoy my Costco shop. Yes. Yes. Steve, you can keep under a thousand dollars because I go there once a month, and I don't think I've ever spent under a thousand dollars, to be honest. Oh, really? I come in and buy, like, four things and go. Right. Yeah. I'm like I the should. I'm the Yeah. crap Costco shopper. They don't Yeah. like me here, I don't think. Yeah. I just go I go once a month, and I go and do, like, my big shop without my kids, and I go and do everything. And then my my husband does, like, the bread and and fruits, like, week to week, and he just ducks out of Kohl's. Oh, okay. Yep. Yeah. Cool. Yeah. Yeah. And I I went I literally do the whole comfort planning. chicken and, I don't know, carrot cupcakes today or so ago. Because yeah. Yeah. Yeah. I know. Right? I know. I know. Awesome. Okay. Sweet.","start_word":2707,"end_word":2869,"sentiment":"neutral","sentiment_score":0.03458224982023239},{"text":"Well, thank you very much.","start_word":2870,"end_word":2874,"sentiment":"positive","sentiment_score":0.34947559237480164},{"text":"And, yeah, just whenever. Like I said, there's no rush. It's just on my list of things to sort out. No. No. We sorted out. Let's go.","start_word":2875,"end_word":2901,"sentiment":"neutral","sentiment_score":0.04495859518647194},{"text":"Perfect. I love that. I love it. I'll get you the information as quick as I can. Okay? Okay. Thanks, sir. So have a good day. You too.","start_word":2902,"end_word":2929,"sentiment":"positive","sentiment_score":0.7108731269836426},{"text":"Bye. Bye.","start_word":2930,"end_word":2931,"sentiment":"neutral","sentiment_score":0.22442667186260223}],"average":{"sentiment":"neutral","sentiment_score":0.03356757057087304}}}}