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You can transfer them to whenever you're ready. Hi, David. This is Dana. How are you this morning? I'm very well. Thank you. How's your week been so far? No. That's absolutely fine. I was also just drafting up an email for you just to make sure I was able to make contact and give you an update because I know that's one thing that we've wanted to do over the past couple of years. And so one thing I'm trying to make sure that we absolutely do is keep those contacts up for you throughout the year to give you a bit of an update there. I don't wanna take up too much of your time. It's just a bit of a quick update because I know you are very busy. But I just wanted to sort of give you I've had a little bit bit of a look at your super. I know when we did the advice back in April there, we were making some changes to your super fund. So since we've provided that advice and updated your super, it does show between the April 14 to now, you're up by 5.75%. So it is a good increase in that short period of time. It does mean that your the investments that we've moved you into are working really well currently, and we just wanna make sure that we do give you that update and keep, obviously, watching them moving forward to make sure they continue working as hard as possible for you. Yeah. Well, I can't give you an annualized rate yet because from making those changes, we haven't had a full twelve months. So the annualized internal rate of return is predicting about a 12.92% return just with what I have here, but it is only a prediction based on what's happened so far. If I look at your report last year let's go. Sorry. I'm just quickly bringing that up for you. There we go. So the last twelve months report we have was from the 2025 annual review that was in August 2025. And back then, you just need to add a 14.60% return. So it is predicting just slightly less than that, but it is important to note that returns are definitely not guaranteed. You're going to get the same return every year. Some years, it might only be a five or 6% return with market being a bit lower. Other years, it could be a fourteen, fifteen, 20% return. So it's about evening those out, taking advantage of the downtime to continue to invest your contributions, and then just making sure we get the best out of your super over the longer term there. But if we can get this up and if your portfolio provides that 12% return to this next twelve months, I'd be very happy with that. I think that's a great return. It's definitely up from where we were when we spoke back in April there with been a long being down, and then we just keep building on that there. And the other thing that's really good about this portfolio is it is also producing a bit of income as well as growth, and that's gonna help with the compounding long term as well. So yeah. Yeah. Yeah. You can. If there is something that you do yeah. You're right. Sorry. Yeah. Look. If you yeah. No. Absolutely. Look. Essentially, we prefer not to personally, we prefer not to invest in individual shares and do not tend to recommend individual shares because it changes the risk level. So we recommend managed funds and ETF because they are diversified. You can hold less of them and keep your portfolio working better. However, if there is something that you'd wanna see your super invested in, if there's an individual share or some sort of investment, we can have a look at it for you to see whether it's investment grade, whether we would recommend it. The other option is because we could always come back and say it's not something we would put in this portfolio for you. The other option is if there is an investment you would like to see invested, you can request it as a transaction without advice. That is essentially saying that you want this investment. You just need to let me know how much you want invested in that, whether you want contributions invested in that, and or, you know and that you're comfortable having that investment within your super and not receiving advice on that. Just understanding that there are risks involved with having those individual shares in there. They may not perform as well. They could bring your portfolio down lower. They could also perform very well. So you do have the option of providing the instruction and seeking an extra investment without seeking advice, and we just do other transactions with that advice for you. We note down the risk involved, and as long as you're comfortable with taking that, I just need specific directions as to what you want with it. The other side of it is if there's something you would like to see, I can always investigate it and see if I would recommend it. If I wouldn't, I would tell you why I wouldn't. We have a look to make sure it is investment grade. So you do have those options there. But if there is something you wanna see your funds invested in, you can make that decision and let us know to, you know, follow that direction, and we can certainly do so. Yeah. So let me just go back and double check your updated policy here. Yep. Yep. I will double check where that's up to for you. Contribution of cover. Beautiful. Okay. So having a look at this one here, 6 point 5. Looks like it has gone through, but I'm just gonna log in to the portal just to double check. I like to see directly from the insurer to make sure it's all in progress for you. Beautiful. Excellent. And just while I'm bringing that up, how's everything else going for you? Any changes to work or income? Yeah. Yep. Yeah. How's that going? Yeah. Yeah. Absolutely. So are you working sort of a lot of extra hours between the two jobs sort of nights and weekends, or are you sort of keeping it to to normal working hours? Yeah. Okay. Good. Well, I'm glad it's all going really well for you. Are you gonna get some downtime over the Christmas break? Definitely. Yep. Yeah. Beautiful. Excellent. Okay. Perfect. So I've got it here for you. It is showing here that the the policy is all up to date. We've got 1859256 plus the newer updated policy here. That's $647.44. Yeah. So you are now covered for the 2,500,000 that is all in place. If you want, I can email you through the certificate of currency to show you it's all set up. They've noted all the different policies a little bit differently on here, but it is all enforced and up to date for you. So you've got that 2,500,000 of life and total term disability cover. They've noted it as two separate policies, but it's all together. So when you look at your cryptocurrency, they've got your older original policy, and then they've got the increase noted separately. But it's all technically one policy. It can all be claimed together as one policy. Yeah. No. That's okay. I can definitely see no. That's okay. Because I can see your older policy sitting here with the sum insured of 1,800,000, and then the second newer underwritten policy for the 640,000. So they've essentially split the policies up by by the some insurance because that is underwritten separately, but you still have the right amount of cover within. Yeah. Yeah. I can send you this to be a currency to show you if you like. Yeah. Yeah. No. No. It's just to give you a bit of an update, let you know that things are tracking well for the time being. We'll I'll be able to keep providing a bit of an update there. And this is sort of see how things are going for yourself to see if there's anything else that you needed from us currently. Is is that the because you've earned over 250,000? Yep. So if you have earned with your employment income as well as super contributions over 250,000, then you would be subject to a vivid a division two nine three tax. That when you get the declaration from the ATO allows you to either have it withdrawn from your super fund. So they can deduct that tax from your super fund, or you can pay it personally if you have the funds as well. But you'll get sent an election form on how you wish to have that deducted. So your accountant should have confirmed whether or not you'd be liable for divis division two nine three and how much that should have been. Did they give you any confirmation of that? Yes. They should be able to give you an estimate on how much that should be, and then the it'll get sent to the ATO. The ATO review it all, and then they send you an election letter. It can take a few months to come through the ATO, and generally, and not in much of a hurry to get that out. It can take a few months. It can sometimes be really quick and have a few weeks, but I have seen it take a few months at certain times. But your accountant should be able to, once they've completed your full tax return, be able to confirm the amount that you'll have to pay. And you can elect to either pay it personally or from your super, however you'd prefer. Easy. No. That's okay. If you like, I will download this video currency. I'll send it through to you with a copy of the the hub twenty four report for you. Just so you're welcome to review it. You're welcome to let me know if you do have any additional questions there, and I'll just break down a little bit of information about that policy so you can see the differences then make it easier. Okay? That's okay. You have a lovely day. Thanks for calling me back, David. See you later. 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Maddie. How are you? I'm very well. Thank you. Oh, yes.\n\nPerfect. This is catch up. Easy done. I just yeah. You're right.\n\nAnd just quickly bringing all of this up. Easy done. You can transfer them to whenever you're ready. Hi, David. This is Dana.\n\nHow are you this morning? I'm very well. Thank you. How's your week been so far? No.\n\nThat's absolutely fine. I was also just drafting up an email for you just to make sure I was able to make contact and give you an update because I know that's one thing that we've wanted to do over the past couple of years. And so one thing I'm trying to make sure that we absolutely do is keep those contacts up for you throughout the year to give you a bit of an update there. I don't wanna take up too much of your time. It's just a bit of a quick update because I know you are very busy.\n\nBut I just wanted to sort of give you I've had a little bit bit of a look at your super. I know when we did the advice back in April there, we were making some changes to your super fund. So since we've provided that advice and updated your super, it does show between the April 14 to now, you're up by 5.75%. So it is a good increase in that short period of time. It does mean that your the investments that we've moved you into are working really well currently, and we just wanna make sure that we do give you that update and keep, obviously, watching them moving forward to make sure they continue working as hard as possible for you.\n\nYeah. Well, I can't give you an annualized rate yet because from making those changes, we haven't had a full twelve months. So the annualized internal rate of return is predicting about a 12.92% return just with what I have here, but it is only a prediction based on what's happened so far. If I look at your report last year let's go. Sorry.\n\nI'm just quickly bringing that up for you. There we go. So the last twelve months report we have was from the 2025 annual review that was in August 2025. And back then, you just need to add a 14.60% return. So it is predicting just slightly less than that, but it is important to note that returns are definitely not guaranteed.\n\nYou're going to get the same return every year. Some years, it might only be a five or 6% return with market being a bit lower. Other years, it could be a fourteen, fifteen, 20% return. So it's about evening those out, taking advantage of the downtime to continue to invest your contributions, and then just making sure we get the best out of your super over the longer term there. But if we can get this up and if your portfolio provides that 12% return to this next twelve months, I'd be very happy with that.\n\nI think that's a great return. It's definitely up from where we were when we spoke back in April there with been a long being down, and then we just keep building on that there. And the other thing that's really good about this portfolio is it is also producing a bit of income as well as growth, and that's gonna help with the compounding long term as well. So yeah. Yeah.\n\nYeah. You can. If there is something that you do yeah. You're right. Sorry.\n\nYeah. Look. If you yeah. No. Absolutely.\n\nLook. Essentially, we prefer not to personally, we prefer not to invest in individual shares and do not tend to recommend individual shares because it changes the risk level. So we recommend managed funds and ETF because they are diversified. You can hold less of them and keep your portfolio working better. However, if there is something that you'd wanna see your super invested in, if there's an individual share or some sort of investment, we can have a look at it for you to see whether it's investment grade, whether we would recommend it.\n\nThe other option is because we could always come back and say it's not something we would put in this portfolio for you. The other option is if there is an investment you would like to see invested, you can request it as a transaction without advice. That is essentially saying that you want this investment. You just need to let me know how much you want invested in that, whether you want contributions invested in that, and or, you know and that you're comfortable having that investment within your super and not receiving advice on that. Just understanding that there are risks involved with having those individual shares in there.\n\nThey may not perform as well. They could bring your portfolio down lower. They could also perform very well. So you do have the option of providing the instruction and seeking an extra investment without seeking advice, and we just do other transactions with that advice for you. We note down the risk involved, and as long as you're comfortable with taking that, I just need specific directions as to what you want with it.\n\nThe other side of it is if there's something you would like to see, I can always investigate it and see if I would recommend it. If I wouldn't, I would tell you why I wouldn't. We have a look to make sure it is investment grade. So you do have those options there. But if there is something you wanna see your funds invested in, you can make that decision and let us know to, you know, follow that direction, and we can certainly do so.\n\nYeah. So let me just go back and double check your updated policy here. Yep. Yep. I will double check where that's up to for you.\n\nContribution of cover. Beautiful. Okay. So having a look at this one here, 6 point 5. Looks like it has gone through, but I'm just gonna log in to the portal just to double check.\n\nI like to see directly from the insurer to make sure it's all in progress for you. Beautiful. Excellent. And just while I'm bringing that up, how's everything else going for you? Any changes to work or income?\n\nYeah. Yep. Yeah. How's that going? Yeah.\n\nYeah. Absolutely. So are you working sort of a lot of extra hours between the two jobs sort of nights and weekends, or are you sort of keeping it to to normal working hours? Yeah. Okay.\n\nGood. Well, I'm glad it's all going really well for you. Are you gonna get some downtime over the Christmas break? Definitely. Yep.\n\nYeah. Beautiful. Excellent. Okay. Perfect.\n\nSo I've got it here for you. It is showing here that the the policy is all up to date. We've got 1859256 plus the newer updated policy here. That's $647.44. Yeah.\n\nSo you are now covered for the 2,500,000 that is all in place. If you want, I can email you through the certificate of currency to show you it's all set up. They've noted all the different policies a little bit differently on here, but it is all enforced and up to date for you. So you've got that 2,500,000 of life and total term disability cover. They've noted it as two separate policies, but it's all together.\n\nSo when you look at your cryptocurrency, they've got your older original policy, and then they've got the increase noted separately. But it's all technically one policy. It can all be claimed together as one policy. Yeah. No.\n\nThat's okay. I can definitely see no. That's okay. Because I can see your older policy sitting here with the sum insured of 1,800,000, and then the second newer underwritten policy for the 640,000. So they've essentially split the policies up by by the some insurance because that is underwritten separately, but you still have the right amount of cover within.\n\nYeah. Yeah. I can send you this to be a currency to show you if you like. Yeah. Yeah.\n\nNo. No. It's just to give you a bit of an update, let you know that things are tracking well for the time being. We'll I'll be able to keep providing a bit of an update there. And this is sort of see how things are going for yourself to see if there's anything else that you needed from us currently.\n\nIs is that the because you've earned over 250,000? Yep. So if you have earned with your employment income as well as super contributions over 250,000, then you would be subject to a vivid a division two nine three tax. That when you get the declaration from the ATO allows you to either have it withdrawn from your super fund. So they can deduct that tax from your super fund, or you can pay it personally if you have the funds as well.\n\nBut you'll get sent an election form on how you wish to have that deducted. So your accountant should have confirmed whether or not you'd be liable for divis division two nine three and how much that should have been. Did they give you any confirmation of that? Yes. They should be able to give you an estimate on how much that should be, and then the it'll get sent to the ATO.\n\nThe ATO review it all, and then they send you an election letter. It can take a few months to come through the ATO, and generally, and not in much of a hurry to get that out. It can take a few months. It can sometimes be really quick and have a few weeks, but I have seen it take a few months at certain times. But your accountant should be able to, once they've completed your full tax return, be able to confirm the amount that you'll have to pay.\n\nAnd you can elect to either pay it personally or from your super, however you'd prefer. Easy. No. That's okay. If you like, I will download this video currency.\n\nI'll send it through to you with a copy of the the hub twenty four report for you. Just so you're welcome to review it. You're welcome to let me know if you do have any additional questions there, and I'll just break down a little bit of information about that policy so you can see the differences then make it easier. Okay? That's okay.\n\nYou have a lovely day. Thanks for calling me back, David. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Maddie.","start":1.8399999,"end":2.48,"sentiment":"neutral","sentiment_score":0.11788684129714966},{"text":"How are you?","start":2.48,"end":3.3,"sentiment":"neutral","sentiment_score":0.13550308843453726},{"text":"I'm very well.","start":6.56,"end":7.44,"sentiment":"positive","sentiment_score":0.6164958079655966},{"text":"Thank you.","start":7.44,"end":8.18,"sentiment":"positive","sentiment_score":0.7250478565692902},{"text":"Oh, yes.","start":13.04,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.2609087973833084}],"sentiment":"positive","sentiment_score":0.3719736399749915,"num_words":12,"start":1.8399999,"end":13.5199995},{"sentences":[{"text":"Perfect.","start":13.5199995,"end":13.92,"sentiment":"positive","sentiment_score":0.5664660930633545},{"text":"This is catch up.","start":13.92,"end":14.88,"sentiment":"positive","sentiment_score":0.4993883967399597},{"text":"Easy done.","start":14.88,"end":15.7,"sentiment":"positive","sentiment_score":0.6337252557277679},{"text":"I just yeah.","start":18.295,"end":21.015,"sentiment":"neutral","sentiment_score":0.20838474730650583},{"text":"You're right.","start":21.015,"end":21.414999,"sentiment":"neutral","sentiment_score":0.21392980217933655}],"sentiment":"positive","sentiment_score":0.4070403364797433,"num_words":12,"start":13.5199995,"end":21.414999},{"sentences":[{"text":"And just quickly bringing all of this up.","start":21.414999,"end":23.755,"sentiment":"neutral","sentiment_score":0.19029461592435837},{"text":"Easy done.","start":23.974998,"end":24.855,"sentiment":"neutral","sentiment_score":0.31502534449100494},{"text":"You can transfer them to whenever you're ready.","start":24.855,"end":27.035,"sentiment":"neutral","sentiment_score":0.18710710480809212},{"text":"Hi, David.","start":33.2,"end":33.76,"sentiment":"neutral","sentiment_score":0.12311704456806183},{"text":"This is Dana.","start":33.76,"end":34.32,"sentiment":"neutral","sentiment_score":0.14078467587629953}],"sentiment":"neutral","sentiment_score":0.18773272050463635,"num_words":23,"start":21.414999,"end":34.32},{"sentences":[{"text":"How are you this morning?","start":34.32,"end":35.46,"sentiment":"neutral","sentiment_score":0.18291080594062806},{"text":"I'm very well.","start":39.2,"end":40.0,"sentiment":"positive","sentiment_score":0.4141714870929718},{"text":"Thank you.","start":40.0,"end":40.48,"sentiment":"positive","sentiment_score":0.4207492023706436},{"text":"How's your week been so far?","start":40.48,"end":42.18,"sentiment":"neutral","sentiment_score":0.1394566297531128},{"text":"No.","start":53.855,"end":54.094997,"sentiment":"neutral","sentiment_score":-0.08652547746896744}],"sentiment":"neutral","sentiment_score":0.22051654098665013,"num_words":17,"start":34.32,"end":54.094997},{"sentences":[{"text":"That's absolutely fine.","start":54.094997,"end":55.375,"sentiment":"neutral","sentiment_score":0.07080632075667381},{"text":"I was also just drafting up an email for you just to make sure I was able to make contact and give you an update because I know that's one thing that we've wanted to do over the past couple of years.","start":55.375,"end":63.98,"sentiment":"neutral","sentiment_score":0.09832704670372464},{"text":"And so one thing I'm trying to make sure that we absolutely do is keep those contacts up for you throughout the year to give you a bit of an update there.","start":63.98,"end":71.2,"sentiment":"neutral","sentiment_score":0.12129058525897563},{"text":"I don't wanna take up too much of your time.","start":71.475,"end":73.155,"sentiment":"neutral","sentiment_score":-0.06248648781329393},{"text":"It's just a bit of a quick update because I know you are very busy.","start":73.155,"end":76.615,"sentiment":"neutral","sentiment_score":-0.059670956681172053}],"sentiment":"neutral","sentiment_score":0.06572082768395252,"num_words":102,"start":54.094997,"end":76.615},{"sentences":[{"text":"But I just wanted to sort of give you I've had a little bit bit of a look at your super.","start":77.475,"end":81.315,"sentiment":"neutral","sentiment_score":0.053282888872282844},{"text":"I know when we did the advice back in April there, we were making some changes to your super fund.","start":81.315,"end":86.195,"sentiment":"neutral","sentiment_score":0.057569422759115696},{"text":"So since we've provided that advice and updated your super, it does show between the April 14 to now, you're up by 5.75%.","start":86.195,"end":96.65,"sentiment":"neutral","sentiment_score":0.10987533272608467},{"text":"So it is a good increase in that short period of time.","start":96.79,"end":100.33,"sentiment":"positive","sentiment_score":0.7856204013029734},{"text":"It does mean that your the investments that we've moved you into are working really well currently, and we just wanna make sure that we do give you that update and keep, obviously, watching them moving forward to make sure they continue working as hard as possible for you.","start":100.475,"end":115.534996,"sentiment":"positive","sentiment_score":0.4562950675584832}],"sentiment":"neutral","sentiment_score":0.2926669192016125,"num_words":125,"start":77.475,"end":115.534996},{"sentences":[{"text":"Yeah.","start":125.079994,"end":125.579994,"sentiment":"neutral","sentiment_score":0.0023691756650805473},{"text":"Well, I can't give you an annualized rate yet because from making those changes, we haven't had a full twelve months.","start":125.799995,"end":130.92,"sentiment":"neutral","sentiment_score":-0.05519757140427828},{"text":"So the annualized internal rate of return is predicting about a 12.92% return just with what I have here, but it is only a prediction based on what's happened so far.","start":130.92,"end":142.595,"sentiment":"neutral","sentiment_score":0.01343122635397219},{"text":"If I look at your report last year let's go.","start":143.615,"end":149.62,"sentiment":"neutral","sentiment_score":0.001380498334765434},{"text":"Sorry.","start":150.08,"end":150.4,"sentiment":"neutral","sentiment_score":-0.04949194937944412}],"sentiment":"neutral","sentiment_score":-0.012126543326303363,"num_words":64,"start":125.079994,"end":150.4},{"sentences":[{"text":"I'm just quickly bringing that up for you.","start":150.4,"end":152.58,"sentiment":"neutral","sentiment_score":-0.018681681249290705},{"text":"There we go.","start":155.59999,"end":156.5,"sentiment":"neutral","sentiment_score":0.01204258824388186},{"text":"So the last twelve months report we have was from the 2025 annual review that was in August 2025.","start":158.265,"end":165.64499,"sentiment":"neutral","sentiment_score":0.023929280768099585},{"text":"And back then, you just need to add a 14.60% return.","start":166.50499,"end":170.525,"sentiment":"neutral","sentiment_score":0.07556363533843648},{"text":"So it is predicting just slightly less than that, but it is important to note that returns are definitely not guaranteed.","start":170.58499,"end":177.92,"sentiment":"neutral","sentiment_score":-0.036240789152327035}],"sentiment":"neutral","sentiment_score":0.006636678481534604,"num_words":62,"start":150.4,"end":177.92},{"sentences":[{"text":"You're going to get the same return every year.","start":177.98,"end":180.56,"sentiment":"neutral","sentiment_score":0.03450633564756976},{"text":"Some years, it might only be a five or 6% return with market being a bit lower.","start":180.85999,"end":185.115,"sentiment":"neutral","sentiment_score":-0.014152158709133373},{"text":"Other years, it could be a fourteen, fifteen, 20% return.","start":185.27501,"end":188.315,"sentiment":"neutral","sentiment_score":0.05318155027925968},{"text":"So it's about evening those out, taking advantage of the downtime to continue to invest your contributions, and then just making sure we get the best out of your super over the longer term there.","start":188.315,"end":200.155,"sentiment":"neutral","sentiment_score":0.23423493142638888},{"text":"But if we can get this up and if your portfolio provides that 12% return to this next twelve months, I'd be very happy with that.","start":200.155,"end":208.5,"sentiment":"positive","sentiment_score":0.5504490847770984}],"sentiment":"neutral","sentiment_score":0.23826478999684153,"num_words":97,"start":177.98,"end":208.5},{"sentences":[{"text":"I think that's a great return.","start":208.5,"end":209.94,"sentiment":"positive","sentiment_score":0.6634408806761106},{"text":"It's definitely up from where we were when we spoke back in April there with been a long being down, and then we just keep building on that there.","start":209.94,"end":218.18501,"sentiment":"neutral","sentiment_score":0.2778273784908755},{"text":"And the other thing that's really good about this portfolio is it is also producing a bit of income as well as growth, and that's gonna help with the compounding long term as well.","start":218.18501,"end":227.34999,"sentiment":"positive","sentiment_score":0.7445760895224178},{"text":"So yeah.","start":227.34999,"end":230.79,"sentiment":"neutral","sentiment_score":0.10996753536164762},{"text":"Yeah.","start":230.79,"end":231.29,"sentiment":"neutral","sentiment_score":0.03553586080670357}],"sentiment":"positive","sentiment_score":0.5223430171608925,"num_words":72,"start":208.5,"end":231.29},{"sentences":[{"text":"Yeah.","start":245.21501,"end":245.535,"sentiment":"neutral","sentiment_score":0.04923514276742935},{"text":"You can.","start":245.535,"end":245.93501,"sentiment":"neutral","sentiment_score":0.04092130810022354},{"text":"If there is something that you do yeah.","start":245.93501,"end":248.41501,"sentiment":"neutral","sentiment_score":0.03313498571515083},{"text":"You're right.","start":248.41501,"end":248.815,"sentiment":"neutral","sentiment_score":0.058527419343590736},{"text":"Sorry.","start":248.815,"end":249.315,"sentiment":"neutral","sentiment_score":-0.019515153020620343}],"sentiment":"neutral","sentiment_score":0.03526409502540316,"num_words":14,"start":245.21501,"end":249.315},{"sentences":[{"text":"Yeah.","start":251.615,"end":251.93501,"sentiment":"neutral","sentiment_score":0.0030438401736319065},{"text":"Look.","start":251.93501,"end":252.255,"sentiment":"neutral","sentiment_score":0.001632602885365486},{"text":"If you yeah.","start":252.255,"end":257.02,"sentiment":"neutral","sentiment_score":-0.001662076140443484},{"text":"No.","start":257.02,"end":257.26,"sentiment":"neutral","sentiment_score":-0.013082891702651978},{"text":"Absolutely.","start":257.26,"end":257.76,"sentiment":"neutral","sentiment_score":0.00918605737388134}],"sentiment":"neutral","sentiment_score":-0.000600945670157671,"num_words":7,"start":251.615,"end":257.76},{"sentences":[{"text":"Look.","start":257.82,"end":258.06,"sentiment":"neutral","sentiment_score":-0.00021205097436904907},{"text":"Essentially, we prefer not to personally, we prefer not to invest in individual shares and do not tend to recommend individual shares because it changes the risk level.","start":258.06,"end":267.28,"sentiment":"neutral","sentiment_score":-0.06038748496212065},{"text":"So we recommend managed funds and ETF because they are diversified.","start":267.535,"end":272.115,"sentiment":"neutral","sentiment_score":0.1026395210488276},{"text":"You can hold less of them and keep your portfolio working better.","start":272.255,"end":275.635,"sentiment":"neutral","sentiment_score":0.1691677731772264},{"text":"However, if there is something that you'd wanna see your super invested in, if there's an individual share or some sort of investment, we can have a look at it for you to see whether it's investment grade, whether we would recommend it.","start":275.855,"end":287.99002,"sentiment":"neutral","sentiment_score":0.05583603333595187}],"sentiment":"neutral","sentiment_score":0.0407256401389053,"num_words":95,"start":257.82,"end":287.99002},{"sentences":[{"text":"The other option is because we could always come back and say it's not something we would put in this portfolio for you.","start":288.37003,"end":294.53,"sentiment":"neutral","sentiment_score":0.006444433865987737},{"text":"The other option is if there is an investment you would like to see invested, you can request it as a transaction without advice.","start":294.53,"end":301.095,"sentiment":"neutral","sentiment_score":0.013136670226231217},{"text":"That is essentially saying that you want this investment.","start":301.475,"end":304.055,"sentiment":"neutral","sentiment_score":0.04222556265691916},{"text":"You just need to let me know how much you want invested in that, whether you want contributions invested in that, and or, you know and that you're comfortable having that investment within your super and not receiving advice on that.","start":304.355,"end":316.19998,"sentiment":"neutral","sentiment_score":0.06732886811582053},{"text":"Just understanding that there are risks involved with having those individual shares in there.","start":316.19998,"end":320.68,"sentiment":"neutral","sentiment_score":-0.04015906993299723}],"sentiment":"neutral","sentiment_score":0.027403502179695678,"num_words":111,"start":288.37003,"end":320.68},{"sentences":[{"text":"They may not perform as well.","start":320.68,"end":322.03998,"sentiment":"neutral","sentiment_score":-0.17752661059300104},{"text":"They could bring your portfolio down lower.","start":322.03998,"end":324.38,"sentiment":"neutral","sentiment_score":0.017388573714665005},{"text":"They could also perform very well.","start":324.805,"end":326.565,"sentiment":"positive","sentiment_score":0.3552827487389247},{"text":"So you do have the option of providing the instruction and seeking an extra investment without seeking advice, and we just do other transactions with that advice for you.","start":326.565,"end":336.45,"sentiment":"neutral","sentiment_score":0.25830092049878217},{"text":"We note down the risk involved, and as long as you're comfortable with taking that, I just need specific directions as to what you want with it.","start":336.69,"end":343.83002,"sentiment":"neutral","sentiment_score":0.17749911491517667}],"sentiment":"neutral","sentiment_score":0.17961946189403533,"num_words":75,"start":320.68,"end":343.83002},{"sentences":[{"text":"The other side of it is if there's something you would like to see, I can always investigate it and see if I would recommend it.","start":343.97,"end":349.665,"sentiment":"neutral","sentiment_score":0.07386257155583455},{"text":"If I wouldn't, I would tell you why I wouldn't.","start":349.825,"end":353.745,"sentiment":"neutral","sentiment_score":-0.06803037859499454},{"text":"We have a look to make sure it is investment grade.","start":353.745,"end":356.325,"sentiment":"neutral","sentiment_score":0.04693547297607769},{"text":"So you do have those options there.","start":356.465,"end":358.14502,"sentiment":"neutral","sentiment_score":0.14948836075408117},{"text":"But if there is something you wanna see your funds invested in, you can make that decision and let us know to, you know, follow that direction, and we can certainly do so.","start":358.14502,"end":366.16,"sentiment":"neutral","sentiment_score":0.20813833222244726}],"sentiment":"neutral","sentiment_score":0.11116548006733258,"num_words":87,"start":343.97,"end":366.16},{"sentences":[{"text":"Yeah.","start":369.98,"end":370.48,"sentiment":"neutral","sentiment_score":0.04415211081504822},{"text":"So let me just go back and double check your updated policy here.","start":378.155,"end":382.415,"sentiment":"neutral","sentiment_score":0.06184695489131487},{"text":"Yep.","start":391.115,"end":391.44,"sentiment":"neutral","sentiment_score":-0.0012159956386312842},{"text":"Yep.","start":392.0,"end":392.5,"sentiment":"neutral","sentiment_score":-0.0005563336308114231},{"text":"I will double check where that's up to for you.","start":395.52,"end":398.1,"sentiment":"neutral","sentiment_score":0.031111962720751764}],"sentiment":"neutral","sentiment_score":0.04451960855154679,"num_words":26,"start":369.98,"end":398.1},{"sentences":[{"text":"Contribution of cover.","start":403.36002,"end":404.66,"sentiment":"neutral","sentiment_score":0.0344407477726539},{"text":"Beautiful.","start":404.72,"end":405.22,"sentiment":"positive","sentiment_score":0.3340296149253845},{"text":"Okay.","start":405.52,"end":406.02,"sentiment":"neutral","sentiment_score":0.15971320867538452},{"text":"So having a look at this one here, 6 point 5.","start":406.08002,"end":416.705,"sentiment":"neutral","sentiment_score":0.1183586445721713},{"text":"Looks like it has gone through, but I'm just gonna log in to the portal just to double check.","start":421.565,"end":428.44,"sentiment":"neutral","sentiment_score":0.13857908860633247}],"sentiment":"neutral","sentiment_score":0.12948608116379806,"num_words":35,"start":403.36002,"end":428.44},{"sentences":[{"text":"I like to see directly from the insurer to make sure it's all in progress for you.","start":429.22,"end":434.76,"sentiment":"neutral","sentiment_score":0.22086515584412744},{"text":"Beautiful.","start":436.02002,"end":436.52002,"sentiment":"positive","sentiment_score":0.6134039163589478},{"text":"Excellent.","start":449.355,"end":449.855,"sentiment":"positive","sentiment_score":0.5868405103683472},{"text":"And just while I'm bringing that up, how's everything else going for you?","start":449.915,"end":452.875,"sentiment":"neutral","sentiment_score":0.20764391124248505},{"text":"Any changes to work or income?","start":452.875,"end":465.98,"sentiment":"neutral","sentiment_score":0.031598128378391266}],"sentiment":"neutral","sentiment_score":0.206418728750003,"num_words":38,"start":429.22,"end":465.98},{"sentences":[{"text":"Yeah.","start":465.98,"end":466.46,"sentiment":"neutral","sentiment_score":0.05161159485578537},{"text":"Yep.","start":466.46,"end":466.78,"sentiment":"neutral","sentiment_score":0.08607278764247894},{"text":"Yeah.","start":466.78,"end":467.02,"sentiment":"neutral","sentiment_score":0.10732446610927582},{"text":"How's that going?","start":467.02,"end":468.08002,"sentiment":"neutral","sentiment_score":0.16271767020225525},{"text":"Yeah.","start":477.175,"end":477.655,"sentiment":"neutral","sentiment_score":0.12329143285751344}],"sentiment":"neutral","sentiment_score":0.12235047029597419,"num_words":7,"start":465.98,"end":477.655},{"sentences":[{"text":"Yeah.","start":477.655,"end":478.055,"sentiment":"neutral","sentiment_score":0.18308553099632263},{"text":"Absolutely.","start":478.055,"end":478.555,"sentiment":"neutral","sentiment_score":0.23114171624183655},{"text":"So are you working sort of a lot of extra hours between the two jobs sort of nights and weekends, or are you sort of keeping it to to normal working hours?","start":479.575,"end":487.47,"sentiment":"neutral","sentiment_score":0.026242647611070424},{"text":"Yeah.","start":511.2,"end":511.68,"sentiment":"neutral","sentiment_score":0.04624876379966736},{"text":"Okay.","start":511.68,"end":512.18,"sentiment":"neutral","sentiment_score":0.13784965872764587}],"sentiment":"neutral","sentiment_score":0.03994695536999239,"num_words":36,"start":477.655,"end":512.18},{"sentences":[{"text":"Good.","start":513.68,"end":514.16,"sentiment":"neutral","sentiment_score":0.33144325017929077},{"text":"Well, I'm glad it's all going really well for you.","start":514.16,"end":516.16,"sentiment":"positive","sentiment_score":0.6103284001350403},{"text":"Are you gonna get some downtime over the Christmas 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I've got it here for you.","start":534.535,"end":535.975,"sentiment":"neutral","sentiment_score":0.27333817737443106},{"text":"It is showing here that the the policy is all up to date.","start":535.975,"end":539.99,"sentiment":"neutral","sentiment_score":0.16706693860200736},{"text":"We've got 1859256 plus the newer updated policy here.","start":541.25,"end":546.79004,"sentiment":"neutral","sentiment_score":0.1414400173558129},{"text":"That's $647.44.","start":548.05,"end":550.95,"sentiment":"neutral","sentiment_score":0.09662636369466782},{"text":"Yeah.","start":551.355,"end":551.515,"sentiment":"neutral","sentiment_score":0.1072574257850647}],"sentiment":"neutral","sentiment_score":0.17683461727574468,"num_words":32,"start":534.535,"end":551.515},{"sentences":[{"text":"So you are now covered for the 2,500,000 that is all in place.","start":551.515,"end":555.435,"sentiment":"neutral","sentiment_score":0.15416491891329104},{"text":"If you want, I can email you through the certificate of currency to show you it's all set up.","start":555.435,"end":560.015,"sentiment":"neutral","sentiment_score":0.14219196768183456},{"text":"They've noted all the different policies a little bit differently on here, but it is all enforced and up to date for you.","start":560.395,"end":566.35004,"sentiment":"neutral","sentiment_score":0.07843854739938093},{"text":"So you've got that 2,500,000 of life and total term disability cover.","start":566.35004,"end":570.93,"sentiment":"neutral","sentiment_score":0.09422928964098294},{"text":"They've noted it as two separate policies, but it's all together.","start":576.59,"end":580.05005,"sentiment":"neutral","sentiment_score":0.01614741049706936}],"sentiment":"neutral","sentiment_score":0.10023398606632,"num_words":78,"start":551.515,"end":580.05005},{"sentences":[{"text":"So when you look at your cryptocurrency, they've got your older original policy, and then they've got the increase noted 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okay.","start":605.055,"end":605.695,"sentiment":"neutral","sentiment_score":0.1622624769806862},{"text":"Because I can see your older policy sitting here with the sum insured of 1,800,000, and then the second newer underwritten policy for the 640,000.","start":605.695,"end":615.615,"sentiment":"neutral","sentiment_score":0.08461497351527214},{"text":"So they've essentially split the policies up by by the some insurance because that is underwritten separately, but you still have the right amount of cover within.","start":615.615,"end":625.86,"sentiment":"neutral","sentiment_score":0.1481659822165966}],"sentiment":"neutral","sentiment_score":0.1100146658718586,"num_words":61,"start":602.36,"end":625.86},{"sentences":[{"text":"Yeah.","start":626.48,"end":626.98,"sentiment":"neutral","sentiment_score":0.1608947068452835},{"text":"Yeah.","start":627.12,"end":627.44,"sentiment":"neutral","sentiment_score":0.1342701017856598},{"text":"I can send you this to be a currency to show you if you 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there.","start":644.015,"end":646.41504,"sentiment":"neutral","sentiment_score":0.2628276405426172},{"text":"And this is sort of see how things are going for yourself to see if there's anything else that you needed from us currently.","start":646.41504,"end":651.21,"sentiment":"neutral","sentiment_score":0.19579981733113527}],"sentiment":"neutral","sentiment_score":0.21191024719203105,"num_words":61,"start":639.29504,"end":651.21},{"sentences":[{"text":"Is is that the because you've earned over 250,000?","start":667.005,"end":675.02496,"sentiment":"neutral","sentiment_score":-0.0924564508928193},{"text":"Yep.","start":679.17,"end":679.49,"sentiment":"neutral","sentiment_score":0.06588558852672577},{"text":"So if you have earned with your employment income as well as super contributions over 250,000, then you would be subject to a vivid a division two nine three tax.","start":679.49,"end":691.51,"sentiment":"neutral","sentiment_score":0.016329772770404816},{"text":"That when you get the declaration from the ATO allows you to either have it withdrawn from your super fund.","start":691.935,"end":699.135,"sentiment":"neutral","sentiment_score":0.08714163415133953},{"text":"So they can deduct that tax from your super fund, or you can pay it personally if you have the funds as well.","start":699.135,"end":704.755,"sentiment":"neutral","sentiment_score":0.1653719102234944}],"sentiment":"neutral","sentiment_score":0.06349466664783926,"num_words":83,"start":667.005,"end":704.755},{"sentences":[{"text":"But you'll get sent an election form on how you wish to have that deducted.","start":705.02997,"end":709.20996,"sentiment":"neutral","sentiment_score":0.05896021078030268},{"text":"So your accountant should have confirmed whether or not you'd be liable for divis division two nine three and how much that should have been.","start":709.35,"end":717.885,"sentiment":"neutral","sentiment_score":0.05479066401720047},{"text":"Did they give you any confirmation of that?","start":718.205,"end":720.465,"sentiment":"neutral","sentiment_score":0.035405919421464205},{"text":"Yes.","start":727.965,"end":728.465,"sentiment":"neutral","sentiment_score":0.000010067597031593324},{"text":"They should be able to give you an estimate on how much that should be, and then the it'll get sent to the ATO.","start":736.27,"end":743.09,"sentiment":"neutral","sentiment_score":0.07667244334394734}],"sentiment":"neutral","sentiment_score":0.05996665514189087,"num_words":73,"start":705.02997,"end":743.09},{"sentences":[{"text":"The ATO review it all, and then they send you an election letter.","start":743.23,"end":746.975,"sentiment":"neutral","sentiment_score":0.0526313644189101},{"text":"It can take a few months to come through the ATO, and generally, and not in much of a hurry to get that out.","start":747.035,"end":752.075,"sentiment":"neutral","sentiment_score":-0.018000005511566997},{"text":"It can take a few months.","start":752.075,"end":753.535,"sentiment":"neutral","sentiment_score":-0.037408833081523575},{"text":"It can sometimes be really quick and have a few weeks, but I have seen it take a few months at certain times.","start":754.15497,"end":759.295,"sentiment":"neutral","sentiment_score":-0.01834633087982302},{"text":"But your accountant should be able to, once they've completed your full tax return, be able to confirm the amount that you'll have to pay.","start":759.47003,"end":766.27,"sentiment":"neutral","sentiment_score":0.08072925701737405}],"sentiment":"neutral","sentiment_score":0.017846378262390147,"num_words":91,"start":743.23,"end":766.27},{"sentences":[{"text":"And you can elect to either pay it personally or from your super, however you'd prefer.","start":766.27,"end":770.69,"sentiment":"neutral","sentiment_score":0.06401333538815379},{"text":"Easy.","start":780.04504,"end":780.205,"sentiment":"neutral","sentiment_score":0.12857027351856232},{"text":"No.","start":780.205,"end":780.445,"sentiment":"neutral","sentiment_score":0.07968210428953171},{"text":"That's okay.","start":780.445,"end":781.16504,"sentiment":"neutral","sentiment_score":0.1524498090147972},{"text":"If you like, I will download this video currency.","start":781.16504,"end":784.36505,"sentiment":"neutral","sentiment_score":0.19043518933984968}],"sentiment":"neutral","sentiment_score":0.1121131746933378,"num_words":29,"start":766.27,"end":784.36505},{"sentences":[{"text":"I'll send it through to you with a copy of the the hub twenty four report for you.","start":784.36505,"end":790.25,"sentiment":"neutral","sentiment_score":0.17913972006903756},{"text":"Just so you're welcome to review it.","start":790.25,"end":791.93005,"sentiment":"positive","sentiment_score":0.37544519560677664},{"text":"You're welcome to let me know if you do have any additional questions there, and I'll just break down a little bit of information about that policy so you can see the differences then make it easier.","start":791.93005,"end":801.07,"sentiment":"neutral","sentiment_score":0.21086729962278056},{"text":"Okay?","start":801.29004,"end":801.79004,"sentiment":"neutral","sentiment_score":0.1153440922498703},{"text":"That's okay.","start":805.935,"end":806.65497,"sentiment":"positive","sentiment_score":0.5478198528289795}],"sentiment":"neutral","sentiment_score":0.22870315714524342,"num_words":65,"start":784.36505,"end":806.65497},{"sentences":[{"text":"You have a lovely day.","start":806.65497,"end":807.77496,"sentiment":"positive","sentiment_score":0.670001608133316},{"text":"Thanks for calling me back, David.","start":807.77496,"end":809.555,"sentiment":"positive","sentiment_score":0.7924424906571707},{"text":"See you later.","start":814.415,"end":815.055,"sentiment":"neutral","sentiment_score":0.3289997677008311},{"text":"Bye.","start":815.055,"end":815.32794,"sentiment":"neutral","sentiment_score":-0.09655117243528366}],"sentiment":"positive","sentiment_score":0.5996740743517875,"num_words":15,"start":806.65497,"end":815.32794}]}}]},{"alternatives":[{"transcript":"Yeah. Good, Donna. How are you this morning? That's good. I've got David Hensing on the phone for you. Beautiful. Let me know when you're ready for me to transfer him through. Yep. Perfect. You've got him in 321. Good. How are you doing now? Yeah. Not too bad. Sorry for missing the call. I I don't like the signal in the in the state is not great. I have to drive out a little bit to to call you. Yep. Yep. Yeah. No worries. Mhmm. Yep. Yep. Mhmm. Yeah. So, like, in terms of an annualized rate, like, what is it at, like, compared to this last year? Okay. Yep. Mhmm. Yep. Yep. Yes. Yep. Yes. Yep. Yep. Yeah. Okay. If if there were, like can I ask for, like can can I, like, tell you guys, like, hey? I wanna buy some shares here through the super. Is that something that's possible? Or do you guys, like mhmm. Yeah. Or or do you guys, like, prefer to leave that decision to to to you? Yep. Yep. Yep. Yeah. Mhmm. Yep. Yeah. Yeah. Yep. Yeah. Okay. Yep. Mhmm. Yeah. Okay. No worries. And the other thing is the the the the insurance, the the the policy has been increased. Right? Because I think, like, I I went for, like, a couple of, like, health checks, etcetera. So or or did I or did I have to do that yet, though? Yep. No. Like, yeah, I think, like, I have I did mention last time that two two full time jobs. Right? Like, yeah, it's jogging along. Tiring, but I guess it's worth it. It depends because, like, sometimes the the the projects, like, are quiet. Right? Like, we're waiting on pro project managers to come up with, like, requirements. So, like, sometimes there's nothing to do. So, yeah, it depends on on on the timing. Yeah. Definitely. I I I did get some down downtime, like, in in June. Yeah. Mhmm. Is that is that together or is that separate? Like yeah. Okay. Alright. I'll double check. Because last time I I received something and it was still on 1,800,000, which is why I'm asking. Yeah. Okay. I'll double check that. Yeah. Right. Yeah. Yeah. Yeah. Okay. Okay. That's that's fine. Okay. Cool. Was there anything else? No. Oh, I think I think I have to pay tax on my super now because my super contribution is getting so high. Is that just being deducted from my on the account? Yeah. Yep. Yep. Yep. Yep. Okay. Yeah. Yeah. They did mention, like, I'm liable for that division, but they haven't done the tax return yet. So that will come out when I when they do the tax return. Right? Right. Yep. Yep. Yeah. Okay. Yeah. Okay. No worries. Yeah. Cool. Yeah. Nothing else from my side. Yep. Yep. Mhmm. Okay. Alright. Thank you, Dana. Yeah. Thank you. See you. You too. 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Good, Donna. How are you this morning? That's good. I've got David Hensing on the phone for you.\n\nBeautiful. Let me know when you're ready for me to transfer him through. Yep. Perfect. You've got him in 321.\n\nGood. How are you doing now? Yeah. Not too bad. Sorry for missing the call.\n\nI I don't like the signal in the in the state is not great. I have to drive out a little bit to to call you. Yep. Yep. Yeah.\n\nNo worries. Mhmm. Yep. Yep. Mhmm.\n\nYeah. So, like, in terms of an annualized rate, like, what is it at, like, compared to this last year? Okay. Yep. Mhmm.\n\nYep. Yep. Yes. Yep. Yes.\n\nYep. Yep. Yeah. Okay. If if there were, like can I ask for, like can can I, like, tell you guys, like, hey?\n\nI wanna buy some shares here through the super. Is that something that's possible? Or do you guys, like mhmm. Yeah. Or or do you guys, like, prefer to leave that decision to to to you?\n\nYep. Yep. Yep. Yeah. Mhmm.\n\nYep. Yeah. Yeah. Yep. Yeah.\n\nOkay. Yep. Mhmm. Yeah. Okay.\n\nNo worries. And the other thing is the the the the insurance, the the the policy has been increased. Right? Because I think, like, I I went for, like, a couple of, like, health checks, etcetera. So or or did I or did I have to do that yet, though?\n\nYep. No. Like, yeah, I think, like, I have I did mention last time that two two full time jobs. Right? Like, yeah, it's jogging along.\n\nTiring, but I guess it's worth it. It depends because, like, sometimes the the the projects, like, are quiet. Right? Like, we're waiting on pro project managers to come up with, like, requirements. So, like, sometimes there's nothing to do.\n\nSo, yeah, it depends on on on the timing. Yeah. Definitely. I I I did get some down downtime, like, in in June. Yeah.\n\nMhmm. Is that is that together or is that separate? Like yeah. Okay. Alright.\n\nI'll double check. Because last time I I received something and it was still on 1,800,000, which is why I'm asking. Yeah. Okay. I'll double check that.\n\nYeah. Right. Yeah. Yeah. Yeah.\n\nOkay. Okay. That's that's fine. Okay. Cool.\n\nWas there anything else? No. Oh, I think I think I have to pay tax on my super now because my super contribution is getting so high. Is that just being deducted from my on the account? Yeah.\n\nYep. Yep. Yep. Yep. Okay.\n\nYeah. Yeah. They did mention, like, I'm liable for that division, but they haven't done the tax return yet. So that will come out when I when they do the tax return. Right?\n\nRight. Yep. Yep. Yeah. Okay.\n\nYeah. Okay. No worries. Yeah. Cool.\n\nYeah. Nothing else from my side. Yep. Yep. Mhmm.\n\nOkay. Alright. Thank you, Dana. Yeah. Thank you.\n\nSee you. You too. 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if there were, like can I ask for, like can can I, like, tell you guys, like, hey?","start":229.22,"end":237.52501,"sentiment":"neutral","sentiment_score":0.047113122418522835}],"sentiment":"neutral","sentiment_score":0.09538764822418275,"num_words":23,"start":209.345,"end":237.52501},{"sentences":[{"text":"I wanna buy some shares here through the super.","start":237.52501,"end":241.76501,"sentiment":"neutral","sentiment_score":0.08056503575709131},{"text":"Is that something that's possible?","start":241.76501,"end":243.145,"sentiment":"neutral","sentiment_score":0.06485872566699982},{"text":"Or do you guys, like mhmm.","start":244.80501,"end":249.225,"sentiment":"neutral","sentiment_score":0.018770835362374783},{"text":"Yeah.","start":250.19,"end":250.51,"sentiment":"neutral","sentiment_score":-0.0064154802821576595},{"text":"Or or do you guys, like, prefer to leave that decision to to to 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that's fine.","start":632.38,"end":634.0,"sentiment":"positive","sentiment_score":0.343374639749527},{"text":"Okay.","start":635.1,"end":635.42,"sentiment":"neutral","sentiment_score":0.25327759981155396},{"text":"Cool.","start":635.42,"end":635.9,"sentiment":"neutral","sentiment_score":0.2875259518623352}],"sentiment":"neutral","sentiment_score":0.2738419473171234,"num_words":7,"start":627.47504,"end":635.9},{"sentences":[{"text":"Was there anything else?","start":635.9,"end":637.12,"sentiment":"neutral","sentiment_score":0.18513844534754753},{"text":"No.","start":656.44,"end":656.92,"sentiment":"neutral","sentiment_score":-0.11943213641643524},{"text":"Oh, I think I think I have to pay tax on my super now because my super contribution is getting so high.","start":656.92,"end":663.82,"sentiment":"neutral","sentiment_score":-0.26217591898007825},{"text":"Is that just being deducted from my on the 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How are you?\n\nChannel 1: Yeah. Good, Donna. How are you this morning?\n\nChannel 0: I'm very well. Thank you.\n\nChannel 1: That's good. I've got David Hensing on the phone for you.\n\nChannel 0: Oh, yes. Perfect. This is catch up. Easy done.\n\nChannel 1: Beautiful. Let me know when you're ready for me to transfer\n\nChannel 0: I just\n\nChannel 1: him through.\n\nChannel 0: yeah. You're right. And just quickly bringing all of this up.\n\nChannel 1: Yep.\n\nChannel 0: Easy done. You can transfer them to whenever you're ready.\n\nChannel 1: Perfect. You've got him in 321.\n\nChannel 0: Hi, David. This is Dana. How are you this morning?\n\nChannel 1: Good. How are you doing now?\n\nChannel 0: I'm very well. Thank you. How's your week been so far?\n\nChannel 1: Yeah. Not too bad. Sorry for missing the call. I I don't like the signal in the in the state is not great. I have to drive out a little bit to to call you.\n\nChannel 0: No. That's absolutely fine. I was also just drafting up an email for you just to make sure I was\n\nChannel 1: Yep.\n\nChannel 0: able to make contact and give you an update because I know that's one thing that we've wanted to do over the past couple of years. And so one thing I'm trying to make sure that we absolutely do is keep those contacts up for you throughout\n\nChannel 1: Yep.\n\nChannel 0: the year to give you a bit of an update there. I don't\n\nChannel 1: Yeah.\n\nChannel 0: wanna\n\nChannel 1: No\n\nChannel 0: take\n\nChannel 1: worries.\n\nChannel 0: up too much of your time. It's just a bit of a quick update because I know you are very busy.\n\nChannel 1: Mhmm.\n\nChannel 0: But I just wanted to sort of give you I've had a little bit bit of a look at your super. I know when we did the advice back in April there, we were making some changes to your super fund. So since we've provided that advice and updated your super, it does\n\nChannel 1: Yep.\n\nChannel 0: show between the April 14 to now, you're up by 5.75%. So it is a good increase in that short period of time. It does\n\nChannel 1: Yep.\n\nChannel 0: mean that your the investments that we've moved you into are working really well currently, and we just\n\nChannel 1: Mhmm.\n\nChannel 0: wanna make sure that we do give you that update and keep, obviously, watching them moving forward to make sure they continue working as hard as possible for you.\n\nChannel 1: Yeah. So, like, in terms of an annualized rate, like, what is it at, like, compared to this last year?\n\nChannel 0: Yeah. Well, I can't give you an annualized rate yet because from making those changes, we haven't had a full twelve months. So the\n\nChannel 1: Okay.\n\nChannel 0: annualized internal rate of return is predicting about a 12.92% return just with what I have here, but it\n\nChannel 1: Yep.\n\nChannel 0: is only a prediction based on what's happened so far. If I look at your report last year\n\nChannel 1: Mhmm.\n\nChannel 0: let's go. Sorry. I'm just quickly bringing that up for you. There we go. So the last twelve months report we have was from the 2025 annual review that was in August 2025.\n\nChannel 1: Yep.\n\nChannel 0: And back then, you just need to add a 14.60% return. So\n\nChannel 1: Yep.\n\nChannel 0: it is predicting just slightly less than that, but it is important to note that returns are definitely not guaranteed. You're going to get\n\nChannel 1: Yes.\n\nChannel 0: the same return every year. Some years,\n\nChannel 1: Yep.\n\nChannel 0: it might only be a five or 6% return with market being a bit lower. Other years, it could be a fourteen, fifteen, 20% return. So it's about evening those out, taking advantage\n\nChannel 1: Yes.\n\nChannel 0: of the downtime to continue to invest your contributions, and then just making sure we get the best out of your super over the longer term there. But if we can get this up and if your portfolio provides that 12% return to this next twelve months, I'd be very happy with that. I think that's a great\n\nChannel 1: Yep.\n\nChannel 0: return. It's definitely up from where we were when we spoke back in April there with been a long being down, and\n\nChannel 1: Yep.\n\nChannel 0: then we just keep building on that there. And the other thing that's really good about this portfolio is it is also producing a bit of income as well as growth, and that's gonna help with the compounding long term as well. So\n\nChannel 1: Yeah. Okay. If if there were,\n\nChannel 0: yeah.\n\nChannel 1: like\n\nChannel 0: Yeah.\n\nChannel 1: can I ask for, like can can I, like, tell you guys, like, hey? I wanna buy some shares here through the super. Is that something that's possible? Or do\n\nChannel 0: Yeah.\n\nChannel 1: you guys,\n\nChannel 0: You can.\n\nChannel 1: like\n\nChannel 0: If there is something that you do yeah. You're right.\n\nChannel 1: mhmm.\n\nChannel 0: Sorry.\n\nChannel 1: Yeah. Or or do you guys, like,\n\nChannel 0: Yeah.\n\nChannel 1: prefer\n\nChannel 0: Look.\n\nChannel 1: to\n\nChannel 0: If you\n\nChannel 1: leave that decision to to to you?\n\nChannel 0: yeah. No. Absolutely. Look. Essentially, we prefer not to personally, we prefer not to invest in individual shares and do not tend to recommend individual shares because it changes the risk level.\n\nSo we\n\nChannel 1: Yep.\n\nChannel 0: recommend managed funds and ETF because they are diversified. You can hold less of them and keep your portfolio working better. However,\n\nChannel 1: Yep.\n\nChannel 0: if there is something that you'd wanna see your super invested in, if there's an individual share or some sort of investment, we can have a look at it for you to see whether it's investment grade, whether we would recommend it. The\n\nChannel 1: Yep.\n\nChannel 0: other option is because we could always come back and say it's not something we would put in this portfolio for you. The other option\n\nChannel 1: Yeah.\n\nChannel 0: is if there is an investment you would like to see invested, you can request it as a transaction without advice. That is essentially saying that you want this investment. You just need to let me know how much you want invested in that, whether you want contributions invested in that, and or, you know and that you're comfortable having that investment within your super and not receiving advice on that. Just\n\nChannel 1: Mhmm.\n\nChannel 0: understanding\n\nChannel 1: Yep.\n\nChannel 0: that there are risks involved with having those individual shares in there. They may not perform as well. They could bring your portfolio\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: down lower. They could also perform very well. So you do have the option of providing the instruction and seeking an extra investment without seeking advice, and we just do other transactions\n\nChannel 1: Yep.\n\nChannel 0: with that advice for you. We note down the risk involved, and as long as you're comfortable with taking that, I just need specific directions as to what you want with it. The other\n\nChannel 1: Yeah.\n\nChannel 0: side\n\nChannel 1: Okay.\n\nChannel 0: of it is if there's something you would like to see, I can always investigate it and see if I would recommend it. If I wouldn't,\n\nChannel 1: Yep.\n\nChannel 0: I would tell you why I\n\nChannel 1: Mhmm.\n\nChannel 0: wouldn't. We have a look to make sure it is investment grade. So you do have those options there. But if there is something you wanna see your funds invested in, you can make that decision and let us know to, you know, follow that direction, and we can certainly do so.\n\nChannel 1: Yeah. Okay. No worries. And the other thing is\n\nChannel 0: Yeah.\n\nChannel 1: the the the the insurance, the the the policy has been increased. Right?\n\nChannel 0: So let me just go back and double check your updated policy here.\n\nChannel 1: Because I think, like, I I went for, like, a couple of, like, health checks, etcetera. So or or did I or did\n\nChannel 0: Yep.\n\nChannel 1: I have to do that\n\nChannel 0: Yep.\n\nChannel 1: yet, though?\n\nChannel 0: I will double check where that's up to for you. Contribution of cover. Beautiful. Okay. So having a look at this one here, 6 point 5.\n\nLooks like it has gone through, but I'm just gonna log in to the portal just to\n\nChannel 1: Yep.\n\nChannel 0: double check. I like to see directly from the insurer to make sure it's all in progress for you. Beautiful. Excellent. And just while I'm bringing that up, how's everything else going for you?\n\nAny changes to work or\n\nChannel 1: No. Like, yeah, I think, like, I have I did mention last time that two two full time jobs. Right? Like,\n\nChannel 0: income? Yeah. Yep. Yeah. How's that going?\n\nChannel 1: yeah, it's jogging along. Tiring, but I guess it's worth it.\n\nChannel 0: Yeah. Yeah. Absolutely. So are you working sort of a lot of extra hours between the two jobs sort of nights and weekends, or are you sort of keeping it to to normal working hours?\n\nChannel 1: It depends because, like, sometimes the the the projects, like, are quiet. Right? Like, we're waiting on pro project managers to come up with, like, requirements. So, like, sometimes there's nothing to do. So, yeah, it depends on on on the timing.\n\nChannel 0: Yeah. Okay. Good. Well, I'm glad it's all going really well for you. Are you gonna get some downtime over the Christmas break?\n\nChannel 1: Yeah. Definitely. I I I did get some down downtime, like,\n\nChannel 0: Definitely.\n\nChannel 1: in in June. Yeah.\n\nChannel 0: Yep. Yeah. Beautiful. Excellent. Okay.\n\nPerfect. So I've got it here for you. It is showing here that the the policy is all up to date. We've got 1859256 plus the newer updated policy here. That's $647.44.\n\nYeah. So you are now covered for the 2,500,000 that is all in place. If you want, I can email you through the certificate of currency to show you it's all set up. They've\n\nChannel 1: Mhmm.\n\nChannel 0: noted all the different policies a little bit differently on here, but it is all enforced and up to date for you. So you've got that 2,500,000 of life and total term disability cover.\n\nChannel 1: Is that is that together or is that separate?\n\nChannel 0: They've noted it as two separate policies, but it's all together. So when\n\nChannel 1: Like\n\nChannel 0: you look at your cryptocurrency, they've got your older original policy, and then they've got the\n\nChannel 1: yeah.\n\nChannel 0: increase noted separately. But it's all technically one policy. It can all be claimed together as one policy.\n\nChannel 1: Okay. Alright. I'll double check. Because last time I I received something and it was still on 1,800,000, which is why I'm asking. Yeah.\n\nOkay.\n\nChannel 0: Yeah.\n\nChannel 1: I'll double\n\nChannel 0: No.\n\nChannel 1: check\n\nChannel 0: That's\n\nChannel 1: that.\n\nChannel 0: okay. I can definitely see no. That's okay. Because I can see your older policy sitting here with the sum insured of 1,800,000, and then\n\nChannel 1: Yeah.\n\nChannel 0: the second newer underwritten policy for the 640,000. So they've essentially split the policies up by\n\nChannel 1: Right.\n\nChannel 0: by the some insurance because that is underwritten separately, but you\n\nChannel 1: Yeah.\n\nChannel 0: still\n\nChannel 1: Yeah.\n\nChannel 0: have the right amount of cover within. Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Okay.\n\nChannel 0: can send you this to be a currency to show you if you like. Yeah.\n\nChannel 1: Okay. That's that's fine. Okay. Cool. Was there anything else?\n\nChannel 0: Yeah. No. No. It's just to give you a bit of an update, let you know that things are tracking well for the time being. We'll I'll be able to keep providing a bit of an update there.\n\nAnd this is sort of see how things are going for yourself to see if there's anything else that you needed from us currently.\n\nChannel 1: No. Oh, I think I think I have to pay tax on my super now because my super contribution is getting so high. Is that just being deducted from my\n\nChannel 0: Is\n\nChannel 1: on the account?\n\nChannel 0: is that the because you've earned over 250,000?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So if you have earned with your employment income as well as super contributions over 250,000, then you would\n\nChannel 1: Yep.\n\nChannel 0: be subject to a vivid a division two nine three tax. That when you get the declaration from the ATO allows you to either have it withdrawn from your super fund. So\n\nChannel 1: Yep.\n\nChannel 0: they can deduct that tax from your super fund, or you can pay it personally if you have the funds as well. But you'll get\n\nChannel 1: Yep.\n\nChannel 0: sent an election form on how you wish to have that deducted. So your accountant should have confirmed whether or not you'd be liable for divis division two nine three and how much that\n\nChannel 1: Yep.\n\nChannel 0: should have been. Did they\n\nChannel 1: Okay.\n\nChannel 0: give you any confirmation of that?\n\nChannel 1: Yeah. Yeah. They did mention, like, I'm liable for that division, but\n\nChannel 0: Yes.\n\nChannel 1: they haven't done the tax return yet. So that will come out when I when they do the tax return. Right?\n\nChannel 0: They should be able to give you an estimate on how much that should be, and then the it'll get sent to the ATO. The ATO review it all, and then they send you an election letter. It can take\n\nChannel 1: Right.\n\nChannel 0: a few months to come through the ATO, and generally, and not in much of a hurry to get that out. It can take a few months. It can sometimes be really quick and have a few\n\nChannel 1: Yep.\n\nChannel 0: weeks, but I have\n\nChannel 1: Yep.\n\nChannel 0: seen it take a few\n\nChannel 1: Yeah.\n\nChannel 0: months\n\nChannel 1: Okay.\n\nChannel 0: at certain times. But your accountant should be able to, once they've completed your full tax return, be able to confirm the amount that you'll have to pay. And you can elect to either pay it personally or from your super, however you'd prefer.\n\nChannel 1: Yeah. Okay. No worries. Yeah. Cool.\n\nYeah. Nothing else from my side.\n\nChannel 0: Easy. No. That's okay. If you like, I will download this video currency. I'll send it through to you with a copy\n\nChannel 1: Yep.\n\nChannel 0: of the the hub twenty four report for you. Just so you're welcome to review it. You're welcome to let me\n\nChannel 1: Yep.\n\nChannel 0: know if you do have any additional questions there, and I'll just break down a\n\nChannel 1: Mhmm.\n\nChannel 0: little bit of information about that policy so you can see the differences then make it easier. Okay?\n\nChannel 1: Okay. Alright. Thank you, Dana.\n\nChannel 0: That's okay. You have a lovely day. Thanks for calling me back, David.\n\nChannel 1: Yeah. Thank you. See you. You too. Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Maddie.","start":1.8399999,"end":2.48,"sentiment":"neutral","sentiment_score":0.11788684129714966},{"text":"How are you?","start":2.48,"end":3.3,"sentiment":"neutral","sentiment_score":0.13550308843453726}],"sentiment":"neutral","sentiment_score":0.12845658957958223,"channel":0,"num_words":5,"start":1.8399999,"end":3.3},{"sentences":[{"text":"Yeah.","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.17319102585315704},{"text":"Good, Donna.","start":3.6799998,"end":4.16,"sentiment":"positive","sentiment_score":0.44662919640541077},{"text":"How are you this morning?","start":4.16,"end":5.22,"sentiment":"positive","sentiment_score":0.35870073437690736}],"sentiment":"positive","sentiment_score":0.3574941363185644,"channel":1,"num_words":8,"start":3.36,"end":5.22},{"sentences":[{"text":"I'm very well.","start":6.56,"end":7.44,"sentiment":"positive","sentiment_score":0.6164958079655966},{"text":"Thank you.","start":7.44,"end":8.18,"sentiment":"positive","sentiment_score":0.7250478565692902}],"sentiment":"positive","sentiment_score":0.659916627407074,"channel":0,"num_words":5,"start":6.56,"end":8.18},{"sentences":[{"text":"That's good.","start":8.639999,"end":9.2,"sentiment":"positive","sentiment_score":0.658673495054245},{"text":"I've got David Hensing on the phone for you.","start":9.2,"end":11.78,"sentiment":"neutral","sentiment_score":0.2653944028748406}],"sentiment":"positive","sentiment_score":0.33689969236200507,"channel":1,"num_words":11,"start":8.639999,"end":11.78},{"sentences":[{"text":"Oh, yes.","start":13.04,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.2609087973833084},{"text":"Perfect.","start":13.5199995,"end":13.92,"sentiment":"positive","sentiment_score":0.5664660930633545},{"text":"This is catch up.","start":13.92,"end":14.88,"sentiment":"positive","sentiment_score":0.4993883967399597},{"text":"Easy done.","start":14.88,"end":15.7,"sentiment":"positive","sentiment_score":0.6337252557277679}],"sentiment":"positive","sentiment_score":0.48369864291614956,"channel":0,"num_words":9,"start":13.04,"end":15.7},{"sentences":[{"text":"Beautiful.","start":16.345,"end":16.744999,"sentiment":"positive","sentiment_score":0.6648225784301758},{"text":"Let me know when you're ready for me to transfer","start":16.744999,"end":18.685,"sentiment":"neutral","sentiment_score":0.26134979724884033}],"sentiment":"neutral","sentiment_score":0.2980291409925981,"channel":1,"num_words":11,"start":16.345,"end":18.685},{"sentences":[{"text":"I just","start":18.295,"end":19.035,"sentiment":"neutral","sentiment_score":0.23072599619627}],"sentiment":"neutral","sentiment_score":0.23072599619627,"channel":0,"num_words":2,"start":18.295,"end":19.035},{"sentences":[{"text":"him through.","start":18.904999,"end":19.645,"sentiment":"neutral","sentiment_score":0.1837175413966179}],"sentiment":"neutral","sentiment_score":0.1837175413966179,"channel":1,"num_words":2,"start":18.904999,"end":19.645},{"sentences":[{"text":"yeah.","start":20.695,"end":21.015,"sentiment":"neutral","sentiment_score":0.16370224952697754},{"text":"You're right.","start":21.015,"end":21.414999,"sentiment":"neutral","sentiment_score":0.21392980217933655},{"text":"And just quickly bringing all of this up.","start":21.414999,"end":23.755,"sentiment":"neutral","sentiment_score":0.19029461592435837}],"sentiment":"neutral","sentiment_score":0.19217443466186523,"channel":0,"num_words":11,"start":20.695,"end":23.755},{"sentences":[{"text":"Yep.","start":23.945,"end":24.445,"sentiment":"neutral","sentiment_score":0.18060080707073212}],"sentiment":"neutral","sentiment_score":0.18060080707073212,"channel":1,"num_words":1,"start":23.945,"end":24.445},{"sentences":[{"text":"Easy done.","start":23.974998,"end":24.855,"sentiment":"neutral","sentiment_score":0.31502534449100494},{"text":"You can transfer them to whenever you're ready.","start":24.855,"end":27.035,"sentiment":"neutral","sentiment_score":0.18710710480809212}],"sentiment":"neutral","sentiment_score":0.2126907527446747,"channel":0,"num_words":10,"start":23.974998,"end":27.035},{"sentences":[{"text":"Perfect.","start":27.470001,"end":27.79,"sentiment":"neutral","sentiment_score":0.30839768052101135},{"text":"You've got him in 321.","start":27.79,"end":30.29,"sentiment":"neutral","sentiment_score":0.12077668458223342}],"sentiment":"neutral","sentiment_score":0.15204685057202974,"channel":1,"num_words":6,"start":27.470001,"end":30.29},{"sentences":[{"text":"Hi, David.","start":33.2,"end":33.76,"sentiment":"neutral","sentiment_score":0.12311704456806183},{"text":"This is Dana.","start":33.76,"end":34.32,"sentiment":"neutral","sentiment_score":0.14078467587629953},{"text":"How are you this morning?","start":34.32,"end":35.46,"sentiment":"neutral","sentiment_score":0.18291080594062806}],"sentiment":"neutral","sentiment_score":0.15831421464681625,"channel":0,"num_words":10,"start":33.2,"end":35.46},{"sentences":[{"text":"Good.","start":36.190002,"end":36.59,"sentiment":"neutral","sentiment_score":0.2696295976638794},{"text":"How are you doing now?","start":36.59,"end":37.89,"sentiment":"neutral","sentiment_score":0.1990760326385498}],"sentiment":"neutral","sentiment_score":0.2108349601427714,"channel":1,"num_words":6,"start":36.190002,"end":37.89},{"sentences":[{"text":"I'm very well.","start":39.2,"end":40.0,"sentiment":"positive","sentiment_score":0.4141714870929718},{"text":"Thank you.","start":40.0,"end":40.48,"sentiment":"positive","sentiment_score":0.4207492023706436},{"text":"How's your week been so far?","start":40.48,"end":42.18,"sentiment":"neutral","sentiment_score":0.1394566297531128}],"sentiment":"neutral","sentiment_score":0.26552296768535266,"channel":0,"num_words":11,"start":39.2,"end":42.18},{"sentences":[{"text":"Yeah.","start":42.925003,"end":43.165,"sentiment":"neutral","sentiment_score":0.022616485133767128},{"text":"Not too bad.","start":43.165,"end":43.725002,"sentiment":"neutral","sentiment_score":-0.016441670556863148},{"text":"Sorry for missing the call.","start":43.725002,"end":45.185,"sentiment":"neutral","sentiment_score":-0.19732826054096222},{"text":"I I don't like the signal in the in the state is not great.","start":45.405003,"end":49.485,"sentiment":"negative","sentiment_score":-0.48191677033901215},{"text":"I have to drive out a little bit to to call you.","start":49.485,"end":52.38,"sentiment":"neutral","sentiment_score":-0.2741730846464634}],"sentiment":"neutral","sentiment_score":-0.3157217608498675,"channel":1,"num_words":35,"start":42.925003,"end":52.38},{"sentences":[{"text":"No.","start":53.855,"end":54.094997,"sentiment":"neutral","sentiment_score":-0.08652547746896744},{"text":"That's absolutely fine.","start":54.094997,"end":55.375,"sentiment":"neutral","sentiment_score":0.07080632075667381},{"text":"I was also just drafting up an email for you just to make sure I was","start":55.375,"end":58.46,"sentiment":"neutral","sentiment_score":0.10125709557905793}],"sentiment":"neutral","sentiment_score":0.08730035070329904,"channel":0,"num_words":20,"start":53.855,"end":58.46},{"sentences":[{"text":"Yep.","start":58.38,"end":58.88,"sentiment":"neutral","sentiment_score":0.12177183479070663}],"sentiment":"neutral","sentiment_score":0.12177183479070663,"channel":1,"num_words":1,"start":58.38,"end":58.88},{"sentences":[{"text":"able to make contact and give you an update because I know that's one thing that we've wanted to do over the past couple of years.","start":58.46,"end":63.98,"sentiment":"neutral","sentiment_score":0.09652393970351952},{"text":"And so one thing I'm trying to make sure that we absolutely do is keep those contacts up for you throughout","start":63.98,"end":69.02,"sentiment":"neutral","sentiment_score":0.15270196327141353}],"sentiment":"neutral","sentiment_score":0.12162475874449344,"channel":0,"num_words":47,"start":58.46,"end":69.02},{"sentences":[{"text":"Yep.","start":68.76501,"end":69.26501,"sentiment":"neutral","sentiment_score":0.1126505583524704}],"sentiment":"neutral","sentiment_score":0.1126505583524704,"channel":1,"num_words":1,"start":68.76501,"end":69.26501},{"sentences":[{"text":"the year to give you a bit of an update there.","start":69.02,"end":71.2,"sentiment":"neutral","sentiment_score":0.06132340905341235},{"text":"I don't","start":71.475,"end":71.715004,"sentiment":"neutral","sentiment_score":-0.04132309928536415}],"sentiment":"neutral","sentiment_score":0.04553163853975443,"channel":0,"num_words":13,"start":69.02,"end":71.715004},{"sentences":[{"text":"Yeah.","start":71.645004,"end":71.885,"sentiment":"neutral","sentiment_score":-0.01641281694173813}],"sentiment":"neutral","sentiment_score":-0.01641281694173813,"channel":1,"num_words":1,"start":71.645004,"end":71.885},{"sentences":[{"text":"wanna","start":71.715004,"end":71.955,"sentiment":"neutral","sentiment_score":-0.01142980344593525}],"sentiment":"neutral","sentiment_score":-0.01142980344593525,"channel":0,"num_words":1,"start":71.715004,"end":71.955},{"sentences":[{"text":"No","start":71.885,"end":72.125,"sentiment":"neutral","sentiment_score":-0.015812691301107407}],"sentiment":"neutral","sentiment_score":-0.015812691301107407,"channel":1,"num_words":1,"start":71.885,"end":72.125},{"sentences":[{"text":"take","start":71.955,"end":72.275,"sentiment":"neutral","sentiment_score":-0.02056767046451569}],"sentiment":"neutral","sentiment_score":-0.02056767046451569,"channel":0,"num_words":1,"start":71.955,"end":72.275},{"sentences":[{"text":"worries.","start":72.125,"end":72.625,"sentiment":"neutral","sentiment_score":-0.029071595519781113}],"sentiment":"neutral","sentiment_score":-0.029071595519781113,"channel":1,"num_words":1,"start":72.125,"end":72.625},{"sentences":[{"text":"up too much of your time.","start":72.275,"end":73.155,"sentiment":"neutral","sentiment_score":-0.08503686760862668},{"text":"It's just a bit of a quick update because I know you are very busy.","start":73.155,"end":76.615,"sentiment":"neutral","sentiment_score":-0.059670956681172053}],"sentiment":"neutral","sentiment_score":-0.06691835980330195,"channel":0,"num_words":21,"start":72.275,"end":76.615},{"sentences":[{"text":"Mhmm.","start":77.245,"end":77.745,"sentiment":"neutral","sentiment_score":0.003217431716620922}],"sentiment":"neutral","sentiment_score":0.003217431716620922,"channel":1,"num_words":1,"start":77.245,"end":77.745},{"sentences":[{"text":"But I just wanted to sort of give you I've had a little bit bit of a look at your super.","start":77.475,"end":81.315,"sentiment":"neutral","sentiment_score":0.053282888872282844},{"text":"I know when we did the advice back in April there, we were making some changes to your super fund.","start":81.315,"end":86.195,"sentiment":"neutral","sentiment_score":0.057569422759115696},{"text":"So since we've provided that advice and updated your super, it does","start":86.195,"end":91.03,"sentiment":"neutral","sentiment_score":0.12209663664301236}],"sentiment":"neutral","sentiment_score":0.07048092002295098,"channel":0,"num_words":53,"start":77.475,"end":91.03},{"sentences":[{"text":"Yep.","start":90.91,"end":91.41,"sentiment":"neutral","sentiment_score":0.08719130605459213}],"sentiment":"neutral","sentiment_score":0.08719130605459213,"channel":1,"num_words":1,"start":90.91,"end":91.41},{"sentences":[{"text":"show between the April 14 to now, you're up by 5.75%.","start":91.03,"end":96.65,"sentiment":"neutral","sentiment_score":0.09654300118034537},{"text":"So it is a good increase in that short period of time.","start":96.79,"end":100.33,"sentiment":"positive","sentiment_score":0.7856204013029734},{"text":"It does","start":100.475,"end":100.875,"sentiment":"positive","sentiment_score":0.6444152891635895}],"sentiment":"positive","sentiment_score":0.47112993627786637,"channel":0,"num_words":25,"start":91.03,"end":100.875},{"sentences":[{"text":"Yep.","start":100.865,"end":101.365,"sentiment":"positive","sentiment_score":0.571232795715332}],"sentiment":"positive","sentiment_score":0.571232795715332,"channel":1,"num_words":1,"start":100.865,"end":101.365},{"sentences":[{"text":"mean that your the investments that we've moved you into are working really well currently, and we just","start":100.875,"end":106.795,"sentiment":"positive","sentiment_score":0.615175778667132}],"sentiment":"positive","sentiment_score":0.615175778667132,"channel":0,"num_words":18,"start":100.875,"end":106.795},{"sentences":[{"text":"Mhmm.","start":106.740005,"end":107.240005,"sentiment":"positive","sentiment_score":0.3793066143989563}],"sentiment":"positive","sentiment_score":0.3793066143989563,"channel":1,"num_words":1,"start":106.740005,"end":107.240005},{"sentences":[{"text":"wanna make sure that we do give you that update and keep, obviously, watching them moving forward to make sure they continue working as hard as possible for you.","start":106.795,"end":115.534996,"sentiment":"positive","sentiment_score":0.344705645380349}],"sentiment":"positive","sentiment_score":0.344705645380349,"channel":0,"num_words":29,"start":106.795,"end":115.534996},{"sentences":[{"text":"Yeah.","start":116.18,"end":116.68,"sentiment":"neutral","sentiment_score":0.06254073232412338},{"text":"So, like, in terms of an annualized rate, like, what is it at, like, compared to this last year?","start":117.060005,"end":123.775,"sentiment":"neutral","sentiment_score":0.036920850851426}],"sentiment":"neutral","sentiment_score":0.03820184492506087,"channel":1,"num_words":20,"start":116.18,"end":123.775},{"sentences":[{"text":"Yeah.","start":125.079994,"end":125.579994,"sentiment":"neutral","sentiment_score":0.0023691756650805473},{"text":"Well, I can't give you an annualized rate yet because from making those changes, we haven't had a full twelve months.","start":125.799995,"end":130.92,"sentiment":"neutral","sentiment_score":-0.05519757140427828},{"text":"So 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would like to see, I can always investigate it and see if I would recommend it.","start":344.61002,"end":349.665,"sentiment":"neutral","sentiment_score":0.07605946031601532},{"text":"If I wouldn't,","start":349.825,"end":350.625,"sentiment":"neutral","sentiment_score":-0.07091198489069939}],"sentiment":"neutral","sentiment_score":0.05910121663831747,"channel":0,"num_words":26,"start":344.61002,"end":350.625},{"sentences":[{"text":"Yep.","start":350.31497,"end":350.81497,"sentiment":"neutral","sentiment_score":-0.07085029035806656}],"sentiment":"neutral","sentiment_score":-0.07085029035806656,"channel":1,"num_words":1,"start":350.31497,"end":350.81497},{"sentences":[{"text":"I would tell you why 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know, follow that direction, and we can certainly do so.","start":358.14502,"end":366.16,"sentiment":"neutral","sentiment_score":0.20813833222244726}],"sentiment":"neutral","sentiment_score":0.1603118204153501,"channel":0,"num_words":52,"start":353.42502,"end":366.16},{"sentences":[{"text":"Yeah.","start":366.7,"end":366.94,"sentiment":"neutral","sentiment_score":0.06449207663536072},{"text":"Okay.","start":366.94,"end":367.18,"sentiment":"neutral","sentiment_score":0.08501631021499634},{"text":"No worries.","start":367.18,"end":367.76,"sentiment":"neutral","sentiment_score":0.09624428674578667},{"text":"And the other thing 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cover.","start":403.36002,"end":404.66,"sentiment":"neutral","sentiment_score":0.0344407477726539},{"text":"Beautiful.","start":404.72,"end":405.22,"sentiment":"positive","sentiment_score":0.3340296149253845},{"text":"Okay.","start":405.52,"end":406.02,"sentiment":"neutral","sentiment_score":0.15971320867538452},{"text":"So having a look at this one here, 6 point 5.","start":406.08002,"end":416.705,"sentiment":"neutral","sentiment_score":0.1183586445721713}],"sentiment":"neutral","sentiment_score":0.08500499170846663,"channel":0,"num_words":26,"start":395.52,"end":416.705},{"sentences":[{"text":"Looks like it has gone through, but I'm just gonna log in to the portal just 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They recommend managed funds and ETF as investment grade, but caution against investing in individual shares. The policy is all up to date and the customer can choose to pay or receive a certificate of currency once the policy is complete. The customer will receive an election form and tax statement once the policy is complete. The policy is all enforced and up to date."},"intents":{"segments":[{"text":"Let me know when you're ready for me to transfer I just him through. yeah.","start_word":39,"end_word":53,"intents":[{"intent":"Transfer calls","confidence_score":0.023223087}]},{"text":"But I just wanted to sort of give you I've had a little bit bit of a look at your super. I know when we did the advice back in April there, we were making some changes to your super fund. So since we've provided that advice and updated your super, it does Yep. show between the April 14 to now, you're up by 5.75%.","start_word":252,"end_word":316,"intents":[{"intent":"Update super fund","confidence_score":0.45633617}]},{"text":"mean that your the investments that we've moved you into are working really well currently, and we just Mhmm. wanna make sure that we do give you that update and keep, obviously, watching them moving forward to make sure they continue working as hard as possible for you. Yeah.","start_word":332,"end_word":380,"intents":[{"intent":"Update investments","confidence_score":0.36952445}]},{"text":"So, like, in terms of an annualized rate, like, what is it at, like, compared to this last year?","start_word":381,"end_word":399,"intents":[{"intent":"Assess return rate","confidence_score":0.0016878197}]},{"text":"So, like, in terms of an annualized rate, like, what is it at, like, compared to this last year? Yeah.","start_word":381,"end_word":400,"intents":[{"intent":"Provide estimate","confidence_score":0.00012711535}]},{"text":"annualized internal rate of return is predicting about a 12.92% return just with what I have here, but it Yep. is only a prediction based on what's happened so far.","start_word":425,"end_word":454,"intents":[{"intent":"Inform about predictions","confidence_score":0.0000053961985}]},{"text":"And the other thing that's really good about this portfolio is it is also producing a bit of income as well as growth, and that's gonna help with the compounding long term as well. So Yeah.","start_word":668,"end_word":703,"intents":[{"intent":"Evaluate portfolio benefits","confidence_score":0.0027319125}]},{"text":"So you do have the option of providing the instruction and seeking an extra investment without seeking advice, and we just do other transactions Yep. with that advice for you. We note down the risk involved, and as long as you're comfortable with taking that, I just need specific directions as to what you want with it. The other Yeah.","start_word":1016,"end_word":1075,"intents":[{"intent":"Provide instruction","confidence_score":0.054315172}]},{"text":"We have a look to make sure it is investment grade. So you do have those options there. But if there is something you wanna see your funds invested in, you can make that decision and let us know to, you know, follow that direction, and we can certainly do so. Yeah.","start_word":1113,"end_word":1164,"intents":[{"intent":"Determine investment grade","confidence_score":0.008133082},{"intent":"Check policy","confidence_score":0.06108235}]},{"text":"So having a look at this one here, 6 point 5. Looks like it has gone through, but I'm just gonna log in to the portal just to Yep. double check. I like to see directly from the insurer to make sure it's all in progress for you. Beautiful.","start_word":1247,"end_word":1295,"intents":[{"intent":"Log in","confidence_score":0.5636097},{"intent":"Check policy progress","confidence_score":0.11191564}]},{"text":"So I've got it here for you. It is showing here that the the policy is all up to date. We've got 1859256 plus the newer updated policy here. That's $647.44.","start_word":1476,"end_word":1506,"intents":[{"intent":"Provide policy updates","confidence_score":0.0008181128}]},{"text":"have the right amount of cover within. Yeah. Yeah. Yeah.","start_word":1723,"end_word":1732,"intents":[{"intent":"Clarify coverage requirements","confidence_score":0.00048496068}]},{"text":"So your accountant should have confirmed whether or not you'd be liable for divis division two nine three and how much that Yep. should have been. Did they Okay.","start_word":1957,"end_word":1985,"intents":[{"intent":"Confirm liability","confidence_score":0.6782737}]},{"text":"they haven't done the tax return yet. So that will come out when I when they do the tax return. Right?","start_word":2005,"end_word":2025,"intents":[{"intent":"Confirm tax return","confidence_score":0.018584907},{"intent":"Review tax return","confidence_score":0.1943139}]},{"text":"If you like, I will download this video currency. I'll send it through to you with a copy Yep. of the the hub twenty four report for you.","start_word":2178,"end_word":2205,"intents":[{"intent":"Provide video currency","confidence_score":0.16060014}]},{"text":"You're welcome to let me Yep. know if you do have any additional questions there, and I'll just break down a Mhmm. little bit of information about that policy so you can see the differences then make it easier. Okay? Okay.","start_word":2213,"end_word":2253,"intents":[{"intent":"Offer assistance","confidence_score":0.0071304208}]},{"text":"little bit of information about that policy so you can see the differences then make it easier. Okay? Okay.","start_word":2235,"end_word":2253,"intents":[{"intent":"Inform policy differences","confidence_score":0.00036593113}]}]},"sentiments":{"segments":[{"text":"Hi, Maddie. How are you? Yeah.","start_word":0,"end_word":5,"sentiment":"neutral","sentiment_score":0.13561031222343445},{"text":"Good, Donna. How are you this morning? I'm very well. Thank you. That's good.","start_word":6,"end_word":19,"sentiment":"positive","sentiment_score":0.54085373878479},{"text":"I've got David Hensing on the phone for you. Oh, yes.","start_word":20,"end_word":30,"sentiment":"neutral","sentiment_score":0.26229652762413025},{"text":"Perfect. This is catch up. Easy done. Beautiful.","start_word":31,"end_word":38,"sentiment":"positive","sentiment_score":0.5655452013015747},{"text":"Let me know when you're ready for me to transfer I just him through. yeah. You're right. And just quickly bringing all of this up. Yep. Easy done. You can transfer them to whenever you're ready. Perfect. You've got him in 321. Hi, David. This is Dana. How are you this morning? Good. How are you doing now?","start_word":39,"end_word":96,"sentiment":"neutral","sentiment_score":0.1970069259405136},{"text":"I'm very well. Thank you.","start_word":97,"end_word":101,"sentiment":"positive","sentiment_score":0.4071795642375946},{"text":"How's your week been so far? Yeah. Not too bad. Sorry for missing the call.","start_word":102,"end_word":116,"sentiment":"neutral","sentiment_score":0.008234333246946335},{"text":"I I don't like the signal in the in the state is not great.","start_word":117,"end_word":130,"sentiment":"negative","sentiment_score":-0.47840455174446106},{"text":"I have to drive out a little bit to to call you. No. That's absolutely fine. I was also just drafting up an email for you just to make sure I was Yep. able to make contact and give you an update because I know that's one thing that we've wanted to do over the past couple of years. And so one thing I'm trying to make sure that we absolutely do is keep those contacts up for you throughout Yep. the year to give you a bit of an update there. I don't Yeah. wanna No take worries. up too much of your time. It's just a bit of a quick update because I know you are very busy. Mhmm. But I just wanted to sort of give you I've had a little bit bit of a look at your super. I know when we did the advice back in April there, we were making some changes to your super fund. So since we've provided that advice and updated your super, it does Yep. show between the April 14 to now, you're up by 5.75%.","start_word":131,"end_word":316,"sentiment":"neutral","sentiment_score":0.04458789527416229},{"text":"So it is a good increase in that short period of time. It does Yep. mean that your the investments that we've moved you into are working really well currently, and we just Mhmm. wanna make sure that we do give you that update and keep, obviously, watching them moving forward to make sure they continue working as hard as possible for you.","start_word":317,"end_word":379,"sentiment":"positive","sentiment_score":0.5188987255096436},{"text":"Yeah. So, like, in terms of an annualized rate, like, what is it at, like, compared to this last year? Yeah. Well, I can't give you an annualized rate yet because from making those changes, we haven't had a full twelve months. So the Okay. annualized internal rate of return is predicting about a 12.92% return just with what I have here, but it Yep. is only a prediction based on what's happened so far. If I look at your report last year Mhmm. let's go. Sorry. I'm just quickly bringing that up for you. There we go. So the last twelve months report we have was from the 2025 annual review that was in August 2025. Yep. And back then, you just need to add a 14.60% return. So Yep. it is predicting just slightly less than that, but it is important to note that returns are definitely not guaranteed. You're going to get Yes. the same return every year. Some years, Yep. it might only be a five or 6% return with market being a bit lower. Other years, it could be a fourteen, fifteen, 20% return. So it's about evening those out, taking advantage Yes. of the downtime to continue to invest your contributions, and then just making sure we get the best out of your super over the longer term there.","start_word":380,"end_word":604,"sentiment":"neutral","sentiment_score":0.038045093417167664},{"text":"But if we can get this up and if your portfolio provides that 12% return to this next twelve months, I'd be very happy with that. I think that's a great Yep.","start_word":605,"end_word":636,"sentiment":"positive","sentiment_score":0.6118144989013672},{"text":"return. It's definitely up from where we were when we spoke back in April there with been a long being down, and Yep. then we just keep building on that there.","start_word":637,"end_word":667,"sentiment":"neutral","sentiment_score":0.28448425762114987},{"text":"And the other thing that's really good about this portfolio is it is also producing a bit of income as well as growth, and that's gonna help with the compounding long term as well.","start_word":668,"end_word":701,"sentiment":"positive","sentiment_score":0.7435954213142395},{"text":"So Yeah. Okay. If if there were, yeah. like Yeah. can I ask for, like can can I, like, tell you guys, like, hey? I wanna buy some shares here through the super. Is that something that's possible? Or do Yeah. you guys, You can. like If there is something that you do yeah. You're right. mhmm. Sorry. Yeah. Or or do you guys, like, Yeah. prefer Look. to If you leave that decision to to to you? yeah. No. Absolutely. Look. Essentially, we prefer not to personally, we prefer not to invest in individual shares and do not tend to recommend individual shares because it changes the risk level. So we Yep. recommend managed funds and ETF because they are diversified. You can hold less of them and keep your portfolio working better. However, Yep. if there is something that you'd wanna see your super invested in, if there's an individual share or some sort of investment, we can have a look at it for you to see whether it's investment grade, whether we would recommend it. The Yep. other option is because we could always come back and say it's not something we would put in this portfolio for you. The other option Yeah. is if there is an investment you would like to see invested, you can request it as a transaction without advice. That is essentially saying that you want this investment. You just need to let me know how much you want invested in that, whether you want contributions invested in that, and or, you know and that you're comfortable having that investment within your super and not receiving advice on that. Just Mhmm. understanding Yep. that there are risks involved with having those individual shares in there. They may not perform as well. They could bring your portfolio Yeah. Yeah. down lower.","start_word":702,"end_word":1009,"sentiment":"neutral","sentiment_score":0.03123499343002384},{"text":"They could also perform very well.","start_word":1010,"end_word":1015,"sentiment":"positive","sentiment_score":0.3635554909706116},{"text":"So you do have the option of providing the instruction and seeking an extra investment without seeking advice, and we just do other transactions Yep. with that advice for you. We note down the risk involved, and as long as you're comfortable with taking that, I just need specific directions as to what you want with it. The other Yeah. side Okay. of it is if there's something you would like to see, I can always investigate it and see if I would recommend it. If I wouldn't, Yep. I would tell you why I Mhmm. wouldn't. We have a look to make sure it is investment grade. So you do have those options there. But if there is something you wanna see your funds invested in, you can make that decision and let us know to, you know, follow that direction, and we can certainly do so. Yeah. Okay. No worries. And the other thing is Yeah. the the the the insurance, the the the policy has been increased. Right? So let me just go back and double check your updated policy here. Because I think, like, I I went for, like, a couple of, like, health checks, etcetera. So or or did I or did Yep. I have to do that Yep. yet, though? I will double check where that's up to for you. Contribution of cover.","start_word":1016,"end_word":1244,"sentiment":"neutral","sentiment_score":0.09539810568094254},{"text":"Beautiful.","start_word":1245,"end_word":1245,"sentiment":"positive","sentiment_score":0.3340296149253845},{"text":"Okay. So having a look at this one here, 6 point 5. Looks like it has gone through, but I'm just gonna log in to the portal just to Yep. double check. I like to see directly from the insurer to make sure it's all in progress for you.","start_word":1246,"end_word":1294,"sentiment":"neutral","sentiment_score":0.15965501964092255},{"text":"Beautiful. Excellent.","start_word":1295,"end_word":1296,"sentiment":"positive","sentiment_score":0.6001222133636475},{"text":"And just while I'm bringing that up, how's everything else going for you? Any changes to work or No. Like, yeah, I think, like, I have I did mention last time that two two full time jobs. Right? Like, income? Yeah. Yep. Yeah. How's that going? yeah, it's jogging along. Tiring, but I guess it's worth it. Yeah. Yeah. Absolutely. So are you working sort of a lot of extra hours between the two jobs sort of nights and weekends, or are you sort of keeping it to to normal working hours? It depends because, like, sometimes the the the projects, like, are quiet. Right? Like, we're waiting on pro project managers to come up with, like, requirements. So, like, sometimes there's nothing to do. So, yeah, it depends on on on the timing. Yeah. Okay. Good.","start_word":1297,"end_word":1433,"sentiment":"neutral","sentiment_score":0.05561516107651439},{"text":"Well, I'm glad it's all going really well for you.","start_word":1434,"end_word":1443,"sentiment":"positive","sentiment_score":0.5870687961578369},{"text":"Are you gonna get some downtime over the Christmas break? Yeah. Definitely. I I I did get some down downtime, like, Definitely. in in June. Yeah. Yep. Yeah.","start_word":1444,"end_word":1471,"sentiment":"neutral","sentiment_score":0.08002568036317825},{"text":"Beautiful. Excellent. Okay. Perfect.","start_word":1472,"end_word":1475,"sentiment":"positive","sentiment_score":0.5365014672279358},{"text":"So I've got it here for you. It is showing here that the the policy is all up to date. We've got 1859256 plus the newer updated policy here. That's $647.44. Yeah. So you are now covered for the 2,500,000 that is all in place. If you want, I can email you through the certificate of currency to show you it's all set up. They've Mhmm. noted all the different policies a little bit differently on here, but it is all enforced and up to date for you. So you've got that 2,500,000 of life and total term disability cover. Is that is that together or is that separate? They've noted it as two separate policies, but it's all together. So when Like you look at your cryptocurrency, they've got your older original policy, and then they've got the yeah. increase noted separately. But it's all technically one policy. It can all be claimed together as one policy. Okay. Alright. I'll double check. Because last time I I received something and it was still on 1,800,000, which is why I'm asking. Yeah. Okay. Yeah. I'll double No. check That's that. okay. I can definitely see no. That's okay. Because I can see your older policy sitting here with the sum insured of 1,800,000, and then Yeah. the second newer underwritten policy for the 640,000. So they've essentially split the policies up by Right. by the some insurance because that is underwritten separately, but you Yeah. still Yeah. have the right amount of cover within. Yeah. Yeah. Yeah. I Okay. can send you this to be a currency to show you if you like. Yeah. Okay.","start_word":1476,"end_word":1750,"sentiment":"neutral","sentiment_score":0.09140211045742036},{"text":"That's that's fine.","start_word":1751,"end_word":1753,"sentiment":"positive","sentiment_score":0.3457915186882019},{"text":"Okay. Cool. Was there anything else? Yeah. No. No. It's just to give you a bit of an update, let you know that things are tracking well for the time being. We'll I'll be able to keep providing a bit of an update there. And this is sort of see how things are going for yourself to see if there's anything else that you needed from us currently. No. Oh, I think I think I have to pay tax on my super now because my super contribution is getting so high. Is that just being deducted from my Is on the account? is that the because you've earned over 250,000? Yeah. Yep. So if you have earned with your employment income as well as super contributions over 250,000, then you would Yep. be subject to a vivid a division two nine three tax. That when you get the declaration from the ATO allows you to either have it withdrawn from your super fund. So Yep. they can deduct that tax from your super fund, or you can pay it personally if you have the funds as well. But you'll get Yep. sent an election form on how you wish to have that deducted. So your accountant should have confirmed whether or not you'd be liable for divis division two nine three and how much that Yep. should have been. Did they Okay. give you any confirmation of that? Yeah. Yeah. They did mention, like, I'm liable for that division, but Yes. they haven't done the tax return yet. So that will come out when I when they do the tax return. Right? They should be able to give you an estimate on how much that should be, and then the it'll get sent to the ATO. The ATO review it all, and then they send you an election letter. It can take Right. a few months to come through the ATO, and generally, and not in much of a hurry to get that out. It can take a few months. It can sometimes be really quick and have a few Yep. weeks, but I have Yep. seen it take a few Yeah. months Okay. at certain times. But your accountant should be able to, once they've completed your full tax return, be able to confirm the amount that you'll have to pay. And you can elect to either pay it personally or from your super, however you'd prefer. Yeah. Okay. No worries. Yeah. Cool. Yeah. Nothing else from my side. Easy. No. That's okay. If you like, I will download this video currency. I'll send it through to you with a copy Yep. of the the hub twenty four report for you.","start_word":1754,"end_word":2205,"sentiment":"neutral","sentiment_score":0.06189020067057778},{"text":"Just so you're welcome to review it. You're welcome to let me Yep.","start_word":2206,"end_word":2218,"sentiment":"positive","sentiment_score":0.37934574484825134},{"text":"know if you do have any additional questions there, and I'll just break down a Mhmm. little bit of information about that policy so you can see the differences then make it easier. Okay? Okay. Alright.","start_word":2219,"end_word":2254,"sentiment":"neutral","sentiment_score":0.17629393935203552},{"text":"Thank you, Dana. That's okay. You have a lovely day. Thanks for calling me back, David. Yeah. Thank you. See you. You too.","start_word":2255,"end_word":2277,"sentiment":"positive","sentiment_score":0.6636109585347383},{"text":"Bye. See you later. Bye.","start_word":2278,"end_word":2282,"sentiment":"neutral","sentiment_score":0.28176751732826233}],"average":{"sentiment":"neutral","sentiment_score":0.1203244281704975}}}}