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Helen told me that you were you you spent the day traveling and that you were you were gonna be down in Melbourne? Is it nice and chilly down there? Oh, I've yeah. Unfortunately, I I don't actually doubt that. Well, I won't keep you, so that way maybe you can go and hot chocolate, coffee, and You know, hot stove works. Keep you nice and warm. Well, before I jump into it, I do, as always, need to let you know our call is recorded. And if I could just get you confirmed security, full name, date of birth, and address. Perfect. Okay. So Helen insinuated in an email that things had changed and you needed to talk to me. So let me know where we're at. Stated, actually. You're done. Cool. Yep. Yep. Okay. When was I lost at work? And paid you out everything? Okay. What did they pay out? Okay. You yep. They paid it out before and okay. Cool. Sweet. Alright. Happy days. I was about to be really sad. Perfect. Okay. Yeah. No. That that's good. Alright. So the only thing I'm gonna need from you is that final pay slip. And if you have the termination because, generally, like, your termination letter and your final payslip state two different things. The final payslip will state, you know, it has all the figures, but the if you got a termination letter or, you know, your final letter that kind of stipulated anything that you were getting paid as a breakdown, sometimes that can have a little bit more in-depth contract based information if they did provide you with one just so I can ensure that, you know, if there was any payments of gratuity or or anything like that that they did pay you and depending on, obviously, what your payslip looks like. Sometimes payslip suggest we're paying you this. Termination, this. Yeah. Yeah. Yeah. Absolute height. Yeah. Yeah. No. Absolutely. Yeah. Absolutely. You wanna simplify and you wanna take a step back from all the crud, I guess. Yeah. Yeah. Hi. Hi. Do you know how much you were paid out as a lump sum? Okay. Oh, don't don't don't stress. If you don't don't stress too much. If you have, like, the the final pay slip or anything like that, which I'll need anyway so they so they provided nothing. Wow. My word. Okay. And they've provided you no breakdown as to where that fits. Okay. Fantastic. Alright. Okay. Yeah. Because I I'll need that just so I can look at, obviously, what portion was taxed, what portion wasn't taxed, whether there was anything from that that I need to consider. Because I can take that into consideration because it falls into this financial year, then we we wanna make sure that we're being tax smart, especially since you're not gonna work this year and what that might look like. I mean, it's 40 2 grand, so it's not excessive in terms of an amount. We just wanna, obviously, look at what that looks like, though. Yeah. Amazing. On that note, did you do you still own shares in okay. And they yes. Yeah. Yeah. I remember you saying that that that basically they're preserved until you ultimately be it until you cease employment. Yes. Okay. Okay. That's okay. Not the end of the world. That's that's okay. We may look at holding on to those for a little bit just so that way we're not selling them within a couple months of getting them depending on, obviously, how many shares you purchase, what the purchase price is, and stuff like that. Yeah. Yeah. No. Perfect. But, yeah, if they're able to give you a schedule of, you know, when you've purchased the shares and what that looks like, that would be good and send that through. And and if you if you don't get it now, that's okay. We can consider it in twelve months' time what that looks like, but at least we have a bit of evaluation on what actually how much how much you have sitting there in terms of number of shares, I think, at least current value. Yeah. No. Not at all. No. And look, irrespective, there does come a time where your own mental health does sometimes come out over the finances. You've made a a decision for your health and well-being, and I just I will deal with the finances on the back end, and that's okay. It doesn't change much. Yeah. Yeah. It it doesn't change much. We were already already talking about you retiring semi soon anyway. So it's you know, when we when when we spoken over the last year, it's it's always been your intention to to kind of look at retiring soon ish, at least leaving that that employment. So it's not when Helen emailed me, I'm, you know, I'm not totally shocked that this is what you were telling me anyway. No. No. Not at all. I was I was talking with Caden who is, like, my admin, and we were going through my calendar this morning and just organizing and, you know, stuff like that. And he was like, oh, you're supposed to leave at 05:00 today. I was like he's like, you have a meeting? I was like, yeah. It's with Paul. It's fine. Like, I scheduled that in myself. Don't stress. And he was like, well well, what's going on? I'm like, look. If I had to put money on it, I reckon he's gonna tell me he's retired. Yeah. Yep. Yep. At the moment, you are technically labeled as retired, though. And if you choose to reenter the workforce, that's the choice that you have available. But right now, you're retired. So the biggest question is, I guess, do I need to consider, like, immediate income for you or because you've received a lump sum, you're quite comfortable at the moment? Okay. Yep. Fine. No. That's okay. Okay. Yes. Yeah. Nope. That's okay. Well, you guys have given me everything now anyway with yeah. Yeah. I know. Sometimes it'd be a pain to do it. No. That's okay. I had a look at that. I I I saw that there were that was that was there. So, no, I I I started going through all the documents and laying them all out. And then, like, I've been looking at them as Helen's been sending them to me. And then when she emailed to say that you want to talk, I was like, oh, I'm just gonna put everything down for a second just in case I'm gonna get this huge curve ball, and then we'll go from there. But it it's not really that big of a curve ball. It's okay. I will continue breaking down everything that I need to break down, And and all all I really need from you, which I can I can send you in an email so you don't have to remember, is just basically that the yeah? If I can have you perfect. Oh, yeah. Yeah. We can. Yeah. Absolutely. Yeah. Yeah. So yeah. If I can have that and any of the correspondence that they've provided you in terms of your termination, that just lets me do what I need to do to calculate what we can do from a tax perspective this year. Yeah. That's nice and easy. Just adds an adds another layer, but nothing too difficult. No. No. And right now, you get to enjoy the grandkids and spend time with them, do something for the family. Absolutely. Absolutely. And I it's I I speak to a lot of clients and, like, I I guess, my own like, I have I have kids that, you know, young and but teenagers. And I, you know, I I watch how my mother is with my kids. And I sit there and I'm like, that's not how you were with me and my siblings. And she's like, no. Because when you're raising your kids, you're in in the thick of it. You're living, you're working, you're surviving. And then, you know, now you get to kinda slow down. You really get to enjoy what raising what raising a child is about and get to experience the the the nuance, the the the enjoyment of all those little intricacies that children bring, the quirky things. Yep. Yeah. Yeah. You're still going you're going to relive relive those moments that you really got to enjoy and then experience some of the things that you may have missed because you're working. And I'm I'm right there with you with it. I all the time. Well, you go and you go and finish cooking dinner for the kids, and I'll flick you an email. That way, it reminds me. I'll have it on your notes anyway, and you have somewhere to email and a secondary point. And, yeah, when you get it, send it through, and I'll keep on cracking on with what I'm doing on this side. No. Always, Paul. My pleasure. You have a good night. 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Arcview Financial. Hi, Paul. It's Larissa from Oakview Financial. How are you going?\n\nYeah. Helen told me that you were you you spent the day traveling and that you were you were gonna be down in Melbourne? Is it nice and chilly down there? Oh, I've yeah. Unfortunately, I I don't actually doubt that.\n\nWell, I won't keep you, so that way maybe you can go and hot chocolate, coffee, and You know, hot stove works. Keep you nice and warm. Well, before I jump into it, I do, as always, need to let you know our call is recorded. And if I could just get you confirmed security, full name, date of birth, and address. Perfect.\n\nOkay. So Helen insinuated in an email that things had changed and you needed to talk to me. So let me know where we're at. Stated, actually. You're done.\n\nCool. Yep. Yep. Okay. When was I lost at work?\n\nAnd paid you out everything? Okay. What did they pay out? Okay. You yep.\n\nThey paid it out before and okay. Cool. Sweet. Alright. Happy days.\n\nI was about to be really sad. Perfect. Okay. Yeah. No.\n\nThat that's good. Alright. So the only thing I'm gonna need from you is that final pay slip. And if you have the termination because, generally, like, your termination letter and your final payslip state two different things. The final payslip will state, you know, it has all the figures, but the if you got a termination letter or, you know, your final letter that kind of stipulated anything that you were getting paid as a breakdown, sometimes that can have a little bit more in-depth contract based information if they did provide you with one just so I can ensure that, you know, if there was any payments of gratuity or or anything like that that they did pay you and depending on, obviously, what your payslip looks like.\n\nSometimes payslip suggest we're paying you this. Termination, this. Yeah. Yeah. Yeah.\n\nAbsolute height. Yeah. Yeah. No. Absolutely.\n\nYeah. Absolutely. You wanna simplify and you wanna take a step back from all the crud, I guess. Yeah. Yeah.\n\nHi. Hi. Do you know how much you were paid out as a lump sum? Okay. Oh, don't don't don't stress.\n\nIf you don't don't stress too much. If you have, like, the the final pay slip or anything like that, which I'll need anyway so they so they provided nothing. Wow. My word. Okay.\n\nAnd they've provided you no breakdown as to where that fits. Okay. Fantastic. Alright. Okay.\n\nYeah. Because I I'll need that just so I can look at, obviously, what portion was taxed, what portion wasn't taxed, whether there was anything from that that I need to consider. Because I can take that into consideration because it falls into this financial year, then we we wanna make sure that we're being tax smart, especially since you're not gonna work this year and what that might look like. I mean, it's 40 2 grand, so it's not excessive in terms of an amount. We just wanna, obviously, look at what that looks like, though.\n\nYeah. Amazing. On that note, did you do you still own shares in okay. And they yes. Yeah.\n\nYeah. I remember you saying that that that basically they're preserved until you ultimately be it until you cease employment. Yes. Okay. Okay.\n\nThat's okay. Not the end of the world. That's that's okay. We may look at holding on to those for a little bit just so that way we're not selling them within a couple months of getting them depending on, obviously, how many shares you purchase, what the purchase price is, and stuff like that. Yeah.\n\nYeah. No. Perfect. But, yeah, if they're able to give you a schedule of, you know, when you've purchased the shares and what that looks like, that would be good and send that through. And and if you if you don't get it now, that's okay.\n\nWe can consider it in twelve months' time what that looks like, but at least we have a bit of evaluation on what actually how much how much you have sitting there in terms of number of shares, I think, at least current value. Yeah. No. Not at all. No.\n\nAnd look, irrespective, there does come a time where your own mental health does sometimes come out over the finances. You've made a a decision for your health and well-being, and I just I will deal with the finances on the back end, and that's okay. It doesn't change much. Yeah. Yeah.\n\nIt it doesn't change much. We were already already talking about you retiring semi soon anyway. So it's you know, when we when when we spoken over the last year, it's it's always been your intention to to kind of look at retiring soon ish, at least leaving that that employment. So it's not when Helen emailed me, I'm, you know, I'm not totally shocked that this is what you were telling me anyway. No.\n\nNo. Not at all. I was I was talking with Caden who is, like, my admin, and we were going through my calendar this morning and just organizing and, you know, stuff like that. And he was like, oh, you're supposed to leave at 05:00 today. I was like he's like, you have a meeting?\n\nI was like, yeah. It's with Paul. It's fine. Like, I scheduled that in myself. Don't stress.\n\nAnd he was like, well well, what's going on? I'm like, look. If I had to put money on it, I reckon he's gonna tell me he's retired. Yeah. Yep.\n\nYep. At the moment, you are technically labeled as retired, though. And if you choose to reenter the workforce, that's the choice that you have available. But right now, you're retired. So the biggest question is, I guess, do I need to consider, like, immediate income for you or because you've received a lump sum, you're quite comfortable at the moment?\n\nOkay. Yep. Fine. No. That's okay.\n\nOkay. Yes. Yeah. Nope. That's okay.\n\nWell, you guys have given me everything now anyway with yeah. Yeah. I know. Sometimes it'd be a pain to do it. No.\n\nThat's okay. I had a look at that. I I I saw that there were that was that was there. So, no, I I I started going through all the documents and laying them all out. And then, like, I've been looking at them as Helen's been sending them to me.\n\nAnd then when she emailed to say that you want to talk, I was like, oh, I'm just gonna put everything down for a second just in case I'm gonna get this huge curve ball, and then we'll go from there. But it it's not really that big of a curve ball. It's okay. I will continue breaking down everything that I need to break down, And and all all I really need from you, which I can I can send you in an email so you don't have to remember, is just basically that the yeah? If I can have you perfect.\n\nOh, yeah. Yeah. We can. Yeah. Absolutely.\n\nYeah. Yeah. So yeah. If I can have that and any of the correspondence that they've provided you in terms of your termination, that just lets me do what I need to do to calculate what we can do from a tax perspective this year. Yeah.\n\nThat's nice and easy. Just adds an adds another layer, but nothing too difficult. No. No. And right now, you get to enjoy the grandkids and spend time with them, do something for the family.\n\nAbsolutely. Absolutely. And I it's I I speak to a lot of clients and, like, I I guess, my own like, I have I have kids that, you know, young and but teenagers. And I, you know, I I watch how my mother is with my kids. And I sit there and I'm like, that's not how you were with me and my siblings.\n\nAnd she's like, no. Because when you're raising your kids, you're in in the thick of it. You're living, you're working, you're surviving. And then, you know, now you get to kinda slow down. You really get to enjoy what raising what raising a child is about and get to experience the the the nuance, the the the enjoyment of all those little intricacies that children bring, the quirky things.\n\nYep. Yeah. Yeah. You're still going you're going to relive relive those moments that you really got to enjoy and then experience some of the things that you may have missed because you're working. And I'm I'm right there with you with it.\n\nI all the time. Well, you go and you go and finish cooking dinner for the kids, and I'll flick you an email. That way, it reminds me. I'll have it on your notes anyway, and you have somewhere to email and a secondary point. And, yeah, when you get it, send it through, and I'll keep on cracking on with what I'm doing on this side.\n\nNo. Always, Paul. My pleasure. You have a good night. Bye.","paragraphs":[{"sentences":[{"text":"Larissa.","start":8.48,"end":8.98,"sentiment":"neutral","sentiment_score":0.02809838764369488},{"text":"Arcview Financial.","start":9.28,"end":10.34,"sentiment":"neutral","sentiment_score":0.049401719123125076},{"text":"Hi, Paul.","start":30.51,"end":31.23,"sentiment":"neutral","sentiment_score":0.15486891567707062},{"text":"It's Larissa from Oakview Financial.","start":31.23,"end":32.67,"sentiment":"neutral","sentiment_score":0.15653638839721679},{"text":"How are you going?","start":32.67,"end":33.489998,"sentiment":"neutral","sentiment_score":0.19402535632252693}],"sentiment":"neutral","sentiment_score":0.1425302160371627,"num_words":14,"start":8.48,"end":33.489998},{"sentences":[{"text":"Yeah.","start":39.245,"end":39.565,"sentiment":"neutral","sentiment_score":0.10450015217065813},{"text":"Helen told me that you were you you spent the day traveling and that you were you were gonna be down in 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stress.","start":372.15,"end":373.61,"sentiment":"neutral","sentiment_score":-0.08948210999369621}],"sentiment":"neutral","sentiment_score":-0.007174496494588398,"num_words":21,"start":356.245,"end":373.61},{"sentences":[{"text":"If you don't don't stress too much.","start":373.99,"end":375.99,"sentiment":"neutral","sentiment_score":-0.12607578081744059},{"text":"If you have, like, the the final pay slip or anything like that, which I'll need anyway so they so they provided nothing.","start":375.99,"end":384.44498,"sentiment":"neutral","sentiment_score":-0.07514444422786651},{"text":"Wow.","start":386.345,"end":386.845,"sentiment":"neutral","sentiment_score":0.04076246917247772},{"text":"My 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fits.","start":402.625,"end":405.525,"sentiment":"neutral","sentiment_score":0.02300456843592904},{"text":"Okay.","start":407.425,"end":407.925,"sentiment":"neutral","sentiment_score":0.19825905561447144},{"text":"Fantastic.","start":409.345,"end":409.845,"sentiment":"positive","sentiment_score":0.5924588441848755},{"text":"Alright.","start":410.785,"end":411.285,"sentiment":"positive","sentiment_score":0.3622976243495941},{"text":"Okay.","start":416.19998,"end":416.69998,"sentiment":"neutral","sentiment_score":0.06483151018619537}],"sentiment":"neutral","sentiment_score":0.09805981914202372,"num_words":15,"start":402.625,"end":416.69998},{"sentences":[{"text":"Yeah.","start":417.88,"end":418.38,"sentiment":"neutral","sentiment_score":0.04159649461507797},{"text":"Because I I'll need that just so I can look at, obviously, what portion was taxed, what portion wasn't taxed, whether there was anything from that that I need to consider.","start":418.52,"end":429.1,"sentiment":"neutral","sentiment_score":-0.0039120282857648785},{"text":"Because I can take that into consideration because it falls into this financial year, then we we wanna make sure that we're being tax smart, especially since you're not gonna work this year and what that might look like.","start":430.405,"end":439.925,"sentiment":"neutral","sentiment_score":0.06560044253292756},{"text":"I mean, it's 40 2 grand, so it's not excessive in terms of an amount.","start":439.925,"end":446.63,"sentiment":"neutral","sentiment_score":-0.02907496616244316},{"text":"We just wanna, obviously, look at what that looks like, though.","start":446.85,"end":449.83002,"sentiment":"neutral","sentiment_score":-0.07041015950116244}],"sentiment":"neutral","sentiment_score":0.013073243604032034,"num_words":97,"start":417.88,"end":449.83002},{"sentences":[{"text":"Yeah.","start":467.185,"end":467.685,"sentiment":"neutral","sentiment_score":0.014011458493769169},{"text":"Amazing.","start":470.16,"end":470.66,"sentiment":"neutral","sentiment_score":0.3116720914840698},{"text":"On that note, did you do you still own shares in okay.","start":472.16,"end":478.66,"sentiment":"neutral","sentiment_score":0.04735787445679307},{"text":"And they 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we're not selling them within a couple months of getting them depending on, obviously, how many shares you purchase, what the purchase price is, and stuff like that.","start":530.18,"end":544.97504,"sentiment":"neutral","sentiment_score":-0.08847249870781194},{"text":"Yeah.","start":549.29004,"end":549.79004,"sentiment":"neutral","sentiment_score":0.05907087028026581}],"sentiment":"neutral","sentiment_score":-0.09513237270792681,"num_words":56,"start":525.94,"end":549.79004},{"sentences":[{"text":"Yeah.","start":550.33,"end":550.83,"sentiment":"neutral","sentiment_score":0.06946948170661926},{"text":"No.","start":550.97003,"end":551.29004,"sentiment":"neutral","sentiment_score":0.001985982060432434},{"text":"Perfect.","start":551.29004,"end":551.79004,"sentiment":"neutral","sentiment_score":0.27988889813423157},{"text":"But, yeah, if they're able to give you a schedule of, you know, when you've purchased the shares and what that looks like, that would be good and send that through.","start":552.09,"end":559.98505,"sentiment":"positive","sentiment_score":0.36709709753913267},{"text":"And and if you if you don't get it now, that's okay.","start":559.98505,"end":562.78503,"sentiment":"neutral","sentiment_score":-0.011218090852101644}],"sentiment":"neutral","sentiment_score":0.25210298468237335,"num_words":46,"start":550.33,"end":562.78503},{"sentences":[{"text":"We can consider it in twelve months' time what that looks like, but at least we have a bit of evaluation on what actually how much how much you have sitting there in terms of number of shares, I think, at least current value.","start":562.78503,"end":578.1,"sentiment":"neutral","sentiment_score":0.06050649941475554},{"text":"Yeah.","start":582.975,"end":583.475,"sentiment":"neutral","sentiment_score":-0.22035497426986697},{"text":"No.","start":593.855,"end":594.355,"sentiment":"neutral","sentiment_score":-0.31506794691085815},{"text":"Not at 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there.","start":776.875,"end":780.575,"sentiment":"neutral","sentiment_score":-0.02624403250714143},{"text":"So, no, I I I started going through all the documents and laying them all out.","start":781.12,"end":785.77997,"sentiment":"neutral","sentiment_score":-0.033612623112276196},{"text":"And then, like, I've been looking at them as Helen's been sending them to me.","start":786.48,"end":790.48,"sentiment":"neutral","sentiment_score":0.019164020071427028}],"sentiment":"neutral","sentiment_score":-0.014845121177095993,"num_words":51,"start":775.115,"end":790.48},{"sentences":[{"text":"And then when she emailed to say that you want to talk, I was like, oh, I'm just gonna put everything down for a second just in case I'm gonna get this huge curve ball, and then we'll go from there.","start":790.48,"end":801.825,"sentiment":"neutral","sentiment_score":0.017768147872851754},{"text":"But it it's not really that big of a curve 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I'll see if this person is available. Thanks. Please stay on the line. Hello? Good, Larissa. Good. Good. I'm actually down in Melbourne at the moment with the grandkids. Yes. It is freezing. It's five or six degrees in the morning. That'd be freezing. No. I'm cooking for the grandkids while my daughter now at work. So it's all good. Yeah. Yeah. Yeah. Very true. Very true. Yep. Paul Edward John Hobbs. Twenty third of them is 1962. Currently residing at 198 Street, Spears Point, New South Wales 2284. What can you say? So I've basically I've actually pulled the pin at work. I've had enough. I'm done. I'm done. Yeah. It was the the corporate BS was just getting ridiculous, and I'm not a BS person. It's we most we work we work forward and and better ourselves in progress, not two steps forward, one step back, just to appease the financial side of things with the shareholders. You got things wrong. You don't wanna fix them. Just state it. But then don't expect us to go to the competent authorities and say, we're doing this, this, and this, but we're not. So I just I can't do this no more. My last day at work, physically, was in April, and they basically said bye bye on the June 31. Pardon me. Yep. Yep. Long service leave and annual leave. Basically, everything that they owed me is about 40 $5,000. No. They paid it out on the July 2. Yes. No. I told I made quite clear that they were not under the the letter was my fees for finite my employment on as, like, July 2, which was a Friday. Yep. Yeah. That's it. Yeah. That's basically what they gave me. Well, I'm still waiting for it because it this is an argument I had while I was off. They weren't sending me any payslip. And then it got a bit nasty, so I had to get an employ employment lawyer involved. So they're not giving me any records, and then they sent me records for seven years because he jumped on board. And I finally got me a letter, but they're still not doing as it's supposed to pay when they pay you, they got seven days to give you the information or a couple of days, which they still haven't done. So it's it's so at the moment, I'm not working. Oh, yeah. It's like when you pull the pin, they just make life difficult for you. And it's not not not not like keeping balls. Hell, we're still working. I might go back to work, but I will not be going back to work for them. It's it's since I was speaking to someone, Might have been a doctor, and he was saying use fire, which is financially independent, retire early. So I might just go work I might just go work in a coffee shop four or five days a week. I don't know. Four or five hours a day. I don't know. I don't know. But I just cannot handle the corporate BS anymore. Yes. Yeah. Well, it was a crowd dealing with competent authorities and just customers, and it which has got too hard. It was about $44.04 between 44 43 and 45 there all up. I can actually go into my bank account right now and tell you. No. They haven't sent that through yet. I'm not expecting that from the sixteenth. So on where are we? Fuel fuel fuel fuel. 42,514 and $36. No. No. No. That's pretty I might get it in about two or three weeks' time if I get another letter sent. Yep. Yep. Correctly. Yeah. K. Yeah. I might yeah. Yeah. No. Yeah. Well, the way it would have broken down, I'd say, because I'm it was on normally 6 and a half, 7 per month because because there's other bits and pieces coming out, but that won't be happening here because the shares were coming out on salary cycle force and whatnot. But as soon as I get the breakdown, I will forward it on to you. Yes. And I've asked for I've I've asked for a breakdown of those because soon as you terminate your employment, they are released from protection or whatever they call it so you can then sell them. Yep. Preserve. That's a good lead. So the last ones would have been bought in June because their anniversary is in May. And if you don't sign a document, would they change the wording of it? If you if you didn't reapply, it was you would just automatically put back into the pool and you they carried on doing what they're doing. So May, June, July, there would have been another thousand dollars worth of shares purchased. No. Yeah. I won't be so anxious. Maybe till next year or the year after. I'll just sit on it for a moment. Yep. Yes. Yep. Yeah. Yeah. I do apologize for springing this on you, but I I said to Helen, do I ring them and let them know or just do it? So because I can't handle this. It's not what works. I said I she said you should actually let your financial plan in there, but, you know, you know, spontaneity took over, which is a bit silly. Yeah. Oh, yes. Yeah. It's been a big about it's been a lot about that since last year. I'm looking to spout on about I had a total change of health and life work balance round about February, March. It just progressed from there. Anyway oh, alright. Okay. Yep. Sorry. Yep. Yeah. Well, I I pulled the pin on work. I haven't retired. I might go back to work. I gotta I gotta get myself to work out what I wanna do because I'm in a bit of a piggle do piggle do at the moment. Looking after grandkids, cooking at home, doing this around home. Very enjoyable. I'm not under the pressure. But it might come to time in three or four months. So I'm be nice to go back to work just doing something. Yeah. Yes. Yep. Yep. Exactly. We are quite comfortable at the moment. Not going on massive holidays and spending bits on cars. That has all been done in the past. It's just day to day living and paying them all with at the moment. There is money in the bank. We can pay that off if we need to, but that's see, we were in two to three months' time. Yeah. That that budget plan was a bit difficult because we'd actually included the investment property, and we were in a deficit. But when we took it out, it was it's looking after itself, I think. The rent covers the mortgage. There might be a little bit goes in, but not a great deal. We have we're $25,000 a year out. We can't be. Yep. No. Yep. Final place it? And I've I've actually got it on my calendar. Once I get it, I've gotta send it to you. I gotta send it to my tax adviser as well. Yep. Yep. Yep. Yep. Okay. Yep. Perfect. Okay. Awesome. No. I was telling him said Helen said if you got it if if we have a push comes to shove and you've gotta go back to work, you can go back to work. He's not down back to work for me. Yeah. Yeah. So I was telling him, said, well, you've done everything you could while you were working to get the kids where they are, and now it's your time to appreciate what you've created, spend time with your grandkids. Was it all fair? Yeah. Yeah. Yep. Yep. Mhmm. Yes, ma'am. That's exactly right. Yeah. Yes. Yeah. Yeah. Because I I didn't see a lot of that with when I was I was with working. Always working. So I didn't see a great deal of them. And now I get to see it with the grandkids. I mean, my kids actually enjoy it actually because, you know, I teach teaching the grandkids things that I taught them, which is good. Yeah. Yes. Definitely. Definitely. Okay. All good. Yep. Awesome. Yeah. No worries. Thank you very much, Melissa. Thank you. And you have a great day. Bye bye. Bye bye. 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reason for calling. I'll see if this person is available. Thanks. Please stay on the line. Hello?\n\nGood, Larissa. Good. Good. I'm actually down in Melbourne at the moment with the grandkids. Yes.\n\nIt is freezing. It's five or six degrees in the morning. That'd be freezing. No. I'm cooking for the grandkids while my daughter now at work.\n\nSo it's all good. Yeah. Yeah. Yeah. Very true.\n\nVery true. Yep. Paul Edward John Hobbs. Twenty third of them is 1962. Currently residing at 198 Street, Spears Point, New South Wales 2284.\n\nWhat can you say? So I've basically I've actually pulled the pin at work. I've had enough. I'm done. I'm done.\n\nYeah. It was the the corporate BS was just getting ridiculous, and I'm not a BS person. It's we most we work we work forward and and better ourselves in progress, not two steps forward, one step back, just to appease the financial side of things with the shareholders. You got things wrong. You don't wanna fix them.\n\nJust state it. But then don't expect us to go to the competent authorities and say, we're doing this, this, and this, but we're not. So I just I can't do this no more. My last day at work, physically, was in April, and they basically said bye bye on the June 31. Pardon me.\n\nYep. Yep. Long service leave and annual leave. Basically, everything that they owed me is about 40 $5,000. No.\n\nThey paid it out on the July 2. Yes. No. I told I made quite clear that they were not under the the letter was my fees for finite my employment on as, like, July 2, which was a Friday. Yep.\n\nYeah. That's it. Yeah. That's basically what they gave me. Well, I'm still waiting for it because it this is an argument I had while I was off.\n\nThey weren't sending me any payslip. And then it got a bit nasty, so I had to get an employ employment lawyer involved. So they're not giving me any records, and then they sent me records for seven years because he jumped on board. And I finally got me a letter, but they're still not doing as it's supposed to pay when they pay you, they got seven days to give you the information or a couple of days, which they still haven't done. So it's it's so at the moment, I'm not working.\n\nOh, yeah. It's like when you pull the pin, they just make life difficult for you. And it's not not not not like keeping balls. Hell, we're still working. I might go back to work, but I will not be going back to work for them.\n\nIt's it's since I was speaking to someone, Might have been a doctor, and he was saying use fire, which is financially independent, retire early. So I might just go work I might just go work in a coffee shop four or five days a week. I don't know. Four or five hours a day. I don't know.\n\nI don't know. But I just cannot handle the corporate BS anymore. Yes. Yeah. Well, it was a crowd dealing with competent authorities and just customers, and it which has got too hard.\n\nIt was about $44.04 between 44 43 and 45 there all up. I can actually go into my bank account right now and tell you. No. They haven't sent that through yet. I'm not expecting that from the sixteenth.\n\nSo on where are we? Fuel fuel fuel fuel. 42,514 and $36. No. No.\n\nNo. That's pretty I might get it in about two or three weeks' time if I get another letter sent. Yep. Yep. Correctly.\n\nYeah. K. Yeah. I might yeah. Yeah.\n\nNo. Yeah. Well, the way it would have broken down, I'd say, because I'm it was on normally 6 and a half, 7 per month because because there's other bits and pieces coming out, but that won't be happening here because the shares were coming out on salary cycle force and whatnot. But as soon as I get the breakdown, I will forward it on to you. Yes.\n\nAnd I've asked for I've I've asked for a breakdown of those because soon as you terminate your employment, they are released from protection or whatever they call it so you can then sell them. Yep. Preserve. That's a good lead. So the last ones would have been bought in June because their anniversary is in May.\n\nAnd if you don't sign a document, would they change the wording of it? If you if you didn't reapply, it was you would just automatically put back into the pool and you they carried on doing what they're doing. So May, June, July, there would have been another thousand dollars worth of shares purchased. No. Yeah.\n\nI won't be so anxious. Maybe till next year or the year after. I'll just sit on it for a moment. Yep. Yes.\n\nYep. Yeah. Yeah. I do apologize for springing this on you, but I I said to Helen, do I ring them and let them know or just do it? So because I can't handle this.\n\nIt's not what works. I said I she said you should actually let your financial plan in there, but, you know, you know, spontaneity took over, which is a bit silly. Yeah. Oh, yes. Yeah.\n\nIt's been a big about it's been a lot about that since last year. I'm looking to spout on about I had a total change of health and life work balance round about February, March. It just progressed from there. Anyway oh, alright. Okay.\n\nYep. Sorry. Yep. Yeah. Well, I I pulled the pin on work.\n\nI haven't retired. I might go back to work. I gotta I gotta get myself to work out what I wanna do because I'm in a bit of a piggle do piggle do at the moment. Looking after grandkids, cooking at home, doing this around home. Very enjoyable.\n\nI'm not under the pressure. But it might come to time in three or four months. So I'm be nice to go back to work just doing something. Yeah. Yes.\n\nYep. Yep. Exactly. We are quite comfortable at the moment. Not going on massive holidays and spending bits on cars.\n\nThat has all been done in the past. It's just day to day living and paying them all with at the moment. There is money in the bank. We can pay that off if we need to, but that's see, we were in two to three months' time. Yeah.\n\nThat that budget plan was a bit difficult because we'd actually included the investment property, and we were in a deficit. But when we took it out, it was it's looking after itself, I think. The rent covers the mortgage. There might be a little bit goes in, but not a great deal. We have we're $25,000 a year out.\n\nWe can't be. Yep. No. Yep. Final place it?\n\nAnd I've I've actually got it on my calendar. Once I get it, I've gotta send it to you. I gotta send it to my tax adviser as well. Yep. Yep.\n\nYep. Yep. Okay. Yep. Perfect.\n\nOkay. Awesome. No. I was telling him said Helen said if you got it if if we have a push comes to shove and you've gotta go back to work, you can go back to work. He's not down back to work for me.\n\nYeah. Yeah. So I was telling him, said, well, you've done everything you could while you were working to get the kids where they are, and now it's your time to appreciate what you've created, spend time with your grandkids. Was it all fair? Yeah.\n\nYeah. Yep. Yep. Mhmm. Yes, ma'am.\n\nThat's exactly right. Yeah. Yes. Yeah. Yeah.\n\nBecause I I didn't see a lot of that with when I was I was with working. Always working. So I didn't see a great deal of them. And now I get to see it with the grandkids. I mean, my kids actually enjoy it actually because, you know, I teach teaching the grandkids things that I taught them, which is good.\n\nYeah. Yes. Definitely. Definitely. Okay.\n\nAll good. Yep. Awesome. Yeah. No worries.\n\nThank you very much, Melissa. Thank you. And you have a great day. Bye bye. Bye bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"And reason for calling.","start":0.39999998,"end":1.68,"sentiment":"neutral","sentiment_score":0.0031615186017006636},{"text":"I'll see if this person is available.","start":1.68,"end":3.54,"sentiment":"neutral","sentiment_score":0.01057262159883976},{"text":"Thanks.","start":16.105,"end":16.605,"sentiment":"positive","sentiment_score":0.40625596046447754},{"text":"Please stay on the line.","start":16.744999,"end":18.125,"sentiment":"neutral","sentiment_score":0.21734959483146668},{"text":"Hello?","start":29.28,"end":29.78,"sentiment":"neutral","sentiment_score":0.0794270932674408}],"sentiment":"neutral","sentiment_score":0.09217141408266293,"num_words":18,"start":0.39999998,"end":29.78},{"sentences":[{"text":"Good, Larissa.","start":33.760002,"end":34.66,"sentiment":"positive","sentiment_score":0.4420297294855118},{"text":"Good.","start":34.96,"end":35.2,"sentiment":"positive","sentiment_score":0.5764077305793762},{"text":"Good.","start":35.2,"end":35.32,"sentiment":"positive","sentiment_score":0.5467171669006348},{"text":"I'm actually down in Melbourne at the moment with the grandkids.","start":35.32,"end":38.420002,"sentiment":"neutral","sentiment_score":0.26858534731648187},{"text":"Yes.","start":45.015,"end":45.515,"sentiment":"neutral","sentiment_score":0.09659576416015624}],"sentiment":"neutral","sentiment_score":0.3161386838182807,"num_words":16,"start":33.760002,"end":45.515},{"sentences":[{"text":"It is freezing.","start":49.015,"end":49.995,"sentiment":"neutral","sentiment_score":-0.08922479674220085},{"text":"It's five or six degrees in the morning.","start":57.02,"end":59.579998,"sentiment":"neutral","sentiment_score":-0.08659747522324324},{"text":"That'd be freezing.","start":59.579998,"end":60.64,"sentiment":"neutral","sentiment_score":-0.153801828622818},{"text":"No.","start":69.285,"end":69.525,"sentiment":"neutral","sentiment_score":-0.020747561007738113},{"text":"I'm cooking for the grandkids while my daughter now at work.","start":69.525,"end":72.085,"sentiment":"neutral","sentiment_score":0.09946776486255905}],"sentiment":"neutral","sentiment_score":-0.013402377900022727,"num_words":26,"start":49.015,"end":72.085},{"sentences":[{"text":"So it's all good.","start":72.085,"end":73.145,"sentiment":"positive","sentiment_score":0.46300916373729706},{"text":"Yeah.","start":79.685,"end":79.925,"sentiment":"neutral","sentiment_score":0.10030487179756165},{"text":"Yeah.","start":79.925,"end":80.165,"sentiment":"neutral","sentiment_score":0.095709890127182},{"text":"Yeah.","start":80.165,"end":80.405,"sentiment":"neutral","sentiment_score":0.11842813342809676},{"text":"Very 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say?","start":108.055,"end":108.69501,"sentiment":"neutral","sentiment_score":-0.02190783293917775},{"text":"So I've basically I've actually pulled the pin at work.","start":108.69501,"end":113.31,"sentiment":"neutral","sentiment_score":-0.0886484319344163},{"text":"I've had enough.","start":113.31,"end":114.13,"sentiment":"neutral","sentiment_score":-0.14398451646169028},{"text":"I'm done.","start":115.549995,"end":116.189995,"sentiment":"neutral","sentiment_score":-0.05763709172606468},{"text":"I'm done.","start":116.189995,"end":116.829994,"sentiment":"neutral","sentiment_score":-0.04172522574663162}],"sentiment":"neutral","sentiment_score":-0.07641875406815893,"num_words":21,"start":108.055,"end":116.829994},{"sentences":[{"text":"Yeah.","start":116.829994,"end":117.329994,"sentiment":"neutral","sentiment_score":-0.1052728146314621},{"text":"It was the the corporate BS was just getting ridiculous, and I'm not a BS 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we're not.","start":140.45999,"end":146.72,"sentiment":"negative","sentiment_score":-0.437180294231935},{"text":"So I just I can't do this no more.","start":146.86,"end":149.04,"sentiment":"negative","sentiment_score":-0.609877324766583},{"text":"My last day at work, physically, was in April, and they basically said bye bye on the June 31.","start":152.715,"end":161.85498,"sentiment":"neutral","sentiment_score":-0.06228445587973846},{"text":"Pardon me.","start":165.11,"end":165.91,"sentiment":"neutral","sentiment_score":-0.1701556295156479}],"sentiment":"neutral","sentiment_score":-0.3181983607736501,"num_words":55,"start":139.66,"end":165.91},{"sentences":[{"text":"Yep.","start":165.91,"end":166.39,"sentiment":"neutral","sentiment_score":-0.05326627939939499},{"text":"Yep.","start":166.39,"end":166.89,"sentiment":"neutral","sentiment_score":-0.023110251873731613},{"text":"Long service leave and annual leave.","start":171.35,"end":175.29001,"sentiment":"neutral","sentiment_score":-0.047404356921712555},{"text":"Basically, everything that they owed me is about 40 $5,000.","start":177.47499,"end":181.33499,"sentiment":"neutral","sentiment_score":-0.07928870879113674},{"text":"No.","start":185.155,"end":185.39499,"sentiment":"neutral","sentiment_score":-0.07981426268815994}],"sentiment":"neutral","sentiment_score":-0.06492126438962786,"num_words":19,"start":165.91,"end":185.39499},{"sentences":[{"text":"They paid it out on the July 2.","start":185.39499,"end":187.575,"sentiment":"neutral","sentiment_score":-0.04513237508945167},{"text":"Yes.","start":190.67499,"end":191.17499,"sentiment":"neutral","sentiment_score":0.02633001282811165},{"text":"No.","start":192.59999,"end":193.09999,"sentiment":"neutral","sentiment_score":-0.2764727473258972},{"text":"I told I made quite clear that they were not under the the letter was my fees for finite my employment on as, like, July 2, which was a Friday.","start":193.23999,"end":206.22,"sentiment":"neutral","sentiment_score":-0.150647923288246},{"text":"Yep.","start":222.87,"end":223.37,"sentiment":"neutral","sentiment_score":-0.010785069316625597}],"sentiment":"neutral","sentiment_score":-0.12540059763847328,"num_words":41,"start":185.39499,"end":223.37},{"sentences":[{"text":"Yeah.","start":263.85,"end":264.35,"sentiment":"neutral","sentiment_score":-0.0478324368596077},{"text":"That's it.","start":264.54498,"end":264.945,"sentiment":"neutral","sentiment_score":-0.09232759103178978},{"text":"Yeah.","start":264.945,"end":265.105,"sentiment":"neutral","sentiment_score":-0.04966256022453308},{"text":"That's basically what they gave me.","start":265.105,"end":266.785,"sentiment":"neutral","sentiment_score":-0.11515051995714505},{"text":"Well, I'm still waiting for it because it this is an argument I had while I was off.","start":266.785,"end":271.445,"sentiment":"neutral","sentiment_score":-0.23115981825523907}],"sentiment":"neutral","sentiment_score":-0.1833546438387462,"num_words":28,"start":263.85,"end":271.445},{"sentences":[{"text":"They weren't sending me any payslip.","start":272.065,"end":273.60498,"sentiment":"negative","sentiment_score":-0.42482781410217285},{"text":"And then it got a bit nasty, so I had to get an employ employment lawyer involved.","start":275.665,"end":280.25998,"sentiment":"negative","sentiment_score":-0.39492620001820955},{"text":"So they're not giving me any records, and then they sent me records for seven years because he jumped on board.","start":280.25998,"end":285.53998,"sentiment":"negative","sentiment_score":-0.36991131447610404},{"text":"And I finally got me a letter, but they're still not doing as it's supposed to pay when they pay you, they got seven days to give you the information or a couple of days, which they still haven't done.","start":285.53998,"end":295.425,"sentiment":"negative","sentiment_score":-0.43539541177451613},{"text":"So it's it's so at the moment, I'm not working.","start":296.685,"end":302.625,"sentiment":"neutral","sentiment_score":-0.27595139145851133}],"sentiment":"negative","sentiment_score":-0.3958104284519845,"num_words":94,"start":272.065,"end":302.625},{"sentences":[{"text":"Oh, yeah.","start":302.685,"end":303.245,"sentiment":"negative","sentiment_score":-0.3904045820236206},{"text":"It's like when you pull the pin, they just make life difficult for you.","start":303.245,"end":306.525,"sentiment":"negative","sentiment_score":-0.5497954189777374},{"text":"And it's not not not not like keeping balls.","start":306.525,"end":311.41,"sentiment":"negative","sentiment_score":-0.42515823907322353},{"text":"Hell, we're still working.","start":311.41,"end":312.55002,"sentiment":"neutral","sentiment_score":-0.323507159948349},{"text":"I might go back to work, but I will not be going back to work for them.","start":313.81003,"end":316.95,"sentiment":"negative","sentiment_score":-0.3412918430917403}],"sentiment":"negative","sentiment_score":-0.4217469381249469,"num_words":46,"start":302.685,"end":316.95},{"sentences":[{"text":"It's it's since I was speaking to someone, Might have been a doctor, and he was saying use fire, which is financially independent, retire early.","start":319.49002,"end":329.995,"sentiment":"neutral","sentiment_score":-0.11300478339195251},{"text":"So I might just go work I might just go work in a coffee shop four or five days a week.","start":330.535,"end":334.375,"sentiment":"neutral","sentiment_score":-0.12683541043883279},{"text":"I don't know.","start":334.375,"end":334.855,"sentiment":"neutral","sentiment_score":-0.23096812268098196},{"text":"Four or five hours a day.","start":334.855,"end":335.89502,"sentiment":"neutral","sentiment_score":-0.19684081276257834},{"text":"I don't know.","start":335.89502,"end":336.695,"sentiment":"neutral","sentiment_score":-0.23012461264928183}],"sentiment":"neutral","sentiment_score":-0.13884459114794073,"num_words":58,"start":319.49002,"end":336.695},{"sentences":[{"text":"I don't know.","start":336.695,"end":337.47,"sentiment":"neutral","sentiment_score":-0.22032269835472107},{"text":"But I just cannot handle the corporate BS anymore.","start":337.79,"end":340.61002,"sentiment":"negative","sentiment_score":-0.3976147522528966},{"text":"Yes.","start":344.91,"end":345.41,"sentiment":"neutral","sentiment_score":-0.186878964304924},{"text":"Yeah.","start":346.03,"end":346.53,"sentiment":"neutral","sentiment_score":-0.2403195798397064},{"text":"Well, it was a crowd dealing with competent authorities and just customers, and it which has got too 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sixteenth.","start":383.07498,"end":384.85498,"sentiment":"neutral","sentiment_score":-0.0710015275648662}],"sentiment":"neutral","sentiment_score":-0.034357219003140926,"num_words":39,"start":354.725,"end":384.85498},{"sentences":[{"text":"So on where are we?","start":385.07498,"end":389.895,"sentiment":"neutral","sentiment_score":0.008428830094635487},{"text":"Fuel fuel fuel fuel.","start":393.82,"end":395.6,"sentiment":"neutral","sentiment_score":0.003528359462507069},{"text":"42,514 and $36.","start":396.62,"end":400.24002,"sentiment":"neutral","sentiment_score":0.009498365689069033},{"text":"No.","start":406.255,"end":406.575,"sentiment":"neutral","sentiment_score":-0.0849442332983017},{"text":"No.","start":406.575,"end":407.075,"sentiment":"neutral","sentiment_score":-0.0790419653058052}],"sentiment":"neutral","sentiment_score":-0.005659536658121007,"num_words":14,"start":385.07498,"end":407.075},{"sentences":[{"text":"No.","start":407.295,"end":407.795,"sentiment":"neutral","sentiment_score":-0.03616316244006157},{"text":"That's pretty I might get it in about two or three weeks' time if I get another letter sent.","start":410.895,"end":417.315,"sentiment":"neutral","sentiment_score":0.1779759569387687},{"text":"Yep.","start":424.87997,"end":425.37997,"sentiment":"neutral","sentiment_score":-0.013849633745849133},{"text":"Yep.","start":429.59998,"end":430.09998,"sentiment":"neutral","sentiment_score":0.11678557097911836},{"text":"Correctly.","start":436.655,"end":437.155,"sentiment":"neutral","sentiment_score":0.005215759389102459}],"sentiment":"neutral","sentiment_score":0.15015355287038762,"num_words":23,"start":407.295,"end":437.155},{"sentences":[{"text":"Yeah.","start":438.975,"end":439.475,"sentiment":"neutral","sentiment_score":-0.03372504189610481},{"text":"K.","start":439.775,"end":440.095,"sentiment":"neutral","sentiment_score":-0.007165189832448959},{"text":"Yeah.","start":440.095,"end":440.495,"sentiment":"neutral","sentiment_score":-0.0017378907650709152},{"text":"I might yeah.","start":440.495,"end":441.475,"sentiment":"neutral","sentiment_score":-0.0069839612891276675},{"text":"Yeah.","start":442.57498,"end":443.07498,"sentiment":"neutral","sentiment_score":-0.00205854419618845}],"sentiment":"neutral","sentiment_score":-0.009376935793885164,"num_words":7,"start":438.975,"end":443.07498},{"sentences":[{"text":"No.","start":446.975,"end":447.475,"sentiment":"neutral","sentiment_score":-0.08022275567054749},{"text":"Yeah.","start":450.6,"end":450.92,"sentiment":"neutral","sentiment_score":-0.003656502813100815},{"text":"Well, the way it would have broken down, I'd say, because I'm it was on normally 6 and a half, 7 per month because because there's other bits and pieces coming out, but that won't be happening here because the shares were coming out on salary cycle force and whatnot.","start":450.92,"end":466.435,"sentiment":"neutral","sentiment_score":-0.02961950160562992},{"text":"But as soon as I get the breakdown, I will forward it on to you.","start":466.815,"end":469.875,"sentiment":"neutral","sentiment_score":0.05344235884646575},{"text":"Yes.","start":476.975,"end":477.45,"sentiment":"neutral","sentiment_score":0.04563503712415695}],"sentiment":"neutral","sentiment_score":-0.010552704690352958,"num_words":68,"start":446.975,"end":477.45},{"sentences":[{"text":"And I've asked for I've I've asked for a breakdown of those because soon as you terminate your employment, they are released from protection or whatever they call it so you can then sell them.","start":479.37003,"end":489.63,"sentiment":"neutral","sentiment_score":0.011377332625644547},{"text":"Yep.","start":496.155,"end":496.315,"sentiment":"neutral","sentiment_score":0.06977909803390503},{"text":"Preserve.","start":496.315,"end":496.79498,"sentiment":"neutral","sentiment_score":0.11541613191366196},{"text":"That's a good lead.","start":496.79498,"end":498.335,"sentiment":"neutral","sentiment_score":0.28685782104730606},{"text":"So the last ones would have been bought in June because their anniversary is in May.","start":498.955,"end":506.99,"sentiment":"neutral","sentiment_score":0.021458951523527503}],"sentiment":"neutral","sentiment_score":0.03638905930545246,"num_words":57,"start":479.37003,"end":506.99},{"sentences":[{"text":"And if you don't sign a document, would they change the wording of it?","start":506.99,"end":510.66998,"sentiment":"neutral","sentiment_score":-0.02257766348442861},{"text":"If you if you didn't reapply, it was you would just automatically put back into the pool and you they carried on doing what they're doing.","start":510.66998,"end":516.45,"sentiment":"neutral","sentiment_score":0.012000707837824639},{"text":"So May, June, July, there would have been another thousand dollars worth of shares purchased.","start":517.145,"end":523.16504,"sentiment":"neutral","sentiment_score":0.1956504965821902},{"text":"No.","start":528.505,"end":528.87,"sentiment":"neutral","sentiment_score":-0.23929621279239657},{"text":"Yeah.","start":544.485,"end":544.985,"sentiment":"neutral","sentiment_score":0.09018105268478394}],"sentiment":"neutral","sentiment_score":0.048799533396959305,"num_words":57,"start":506.99,"end":544.985},{"sentences":[{"text":"I won't be so anxious.","start":545.045,"end":546.425,"sentiment":"neutral","sentiment_score":-0.019502414262387902},{"text":"Maybe till next year or the year after.","start":546.485,"end":548.565,"sentiment":"neutral","sentiment_score":0.05261299014091492},{"text":"I'll just sit on it for a moment.","start":548.565,"end":549.945,"sentiment":"neutral","sentiment_score":0.08379838801920414},{"text":"Yep.","start":556.96497,"end":557.46497,"sentiment":"neutral","sentiment_score":0.32375583052635193},{"text":"Yes.","start":560.52997,"end":561.02997,"sentiment":"neutral","sentiment_score":0.1570400595664978}],"sentiment":"neutral","sentiment_score":0.06411194974182012,"num_words":23,"start":545.045,"end":561.02997},{"sentences":[{"text":"Yep.","start":565.89,"end":566.39,"sentiment":"neutral","sentiment_score":0.08715730905532837},{"text":"Yeah.","start":571.17,"end":571.67,"sentiment":"neutral","sentiment_score":0.03023714199662209},{"text":"Yeah.","start":576.66504,"end":577.16504,"sentiment":"neutral","sentiment_score":0.08241166174411774},{"text":"I do apologize for springing this on you, but I I said to Helen, do I ring them and let them know or just do it?","start":577.30505,"end":582.74506,"sentiment":"neutral","sentiment_score":-0.10114739863918377},{"text":"So because I can't handle this.","start":582.74506,"end":583.78503,"sentiment":"negative","sentiment_score":-0.43356452758113545}],"sentiment":"neutral","sentiment_score":-0.14375466906598636,"num_words":35,"start":565.89,"end":583.78503},{"sentences":[{"text":"It's not what works.","start":583.78503,"end":584.84503,"sentiment":"negative","sentiment_score":-0.46581706404685974},{"text":"I said I she said you should actually let your financial plan in there, but, you know, you know, spontaneity took over, which is a bit silly.","start":586.23,"end":593.93,"sentiment":"neutral","sentiment_score":-0.30829403908164416},{"text":"Yeah.","start":607.575,"end":607.815,"sentiment":"neutral","sentiment_score":0.23852665722370148},{"text":"Oh, yes.","start":607.815,"end":608.635,"sentiment":"neutral","sentiment_score":0.17821826040744781},{"text":"Yeah.","start":610.82,"end":611.32,"sentiment":"neutral","sentiment_score":-0.022034795954823497}],"sentiment":"neutral","sentiment_score":-0.2746936836945159,"num_words":35,"start":583.78503,"end":611.32},{"sentences":[{"text":"It's been a big about it's been a lot about that since last year.","start":611.7,"end":617.08,"sentiment":"neutral","sentiment_score":-0.03373415981020246},{"text":"I'm looking to spout on about I had a total change of health and life work balance round about February, March.","start":617.3,"end":624.27997,"sentiment":"neutral","sentiment_score":0.06893724345025562},{"text":"It just progressed from there.","start":624.5,"end":625.95996,"sentiment":"neutral","sentiment_score":0.09178863912820816},{"text":"Anyway oh, alright.","start":627.755,"end":634.395,"sentiment":"neutral","sentiment_score":0.0685393214225769},{"text":"Okay.","start":634.395,"end":634.895,"sentiment":"neutral","sentiment_score":0.1973817348480225}],"sentiment":"neutral","sentiment_score":0.04175788113339381,"num_words":44,"start":611.7,"end":634.895},{"sentences":[{"text":"Yep.","start":652.49,"end":652.88995,"sentiment":"neutral","sentiment_score":-0.03553380072116852},{"text":"Sorry.","start":652.88995,"end":653.38995,"sentiment":"neutral","sentiment_score":-0.09814434498548508},{"text":"Yep.","start":653.44995,"end":653.94995,"sentiment":"neutral","sentiment_score":-0.04099629819393158},{"text":"Yeah.","start":681.62,"end":681.94,"sentiment":"neutral","sentiment_score":-0.03972577303647995},{"text":"Well, I I pulled the pin on work.","start":681.94,"end":683.62,"sentiment":"neutral","sentiment_score":-0.1392601178959012}],"sentiment":"neutral","sentiment_score":-0.1107067633420229,"num_words":12,"start":652.49,"end":683.62},{"sentences":[{"text":"I haven't retired.","start":683.62,"end":684.26,"sentiment":"neutral","sentiment_score":-0.2795664966106415},{"text":"I might go back to work.","start":684.26,"end":685.56,"sentiment":"neutral","sentiment_score":-0.18740098178386688},{"text":"I gotta I gotta get myself to work out what I wanna do because I'm in a bit of a piggle do piggle do at the moment.","start":686.015,"end":691.315,"sentiment":"neutral","sentiment_score":-0.20932308887993847},{"text":"Looking after grandkids, cooking at home, doing this around home.","start":691.615,"end":694.65497,"sentiment":"positive","sentiment_score":0.5408366590738296},{"text":"Very enjoyable.","start":694.65497,"end":695.475,"sentiment":"positive","sentiment_score":0.8521315157413483}],"sentiment":"neutral","sentiment_score":-0.010462482459843159,"num_words":48,"start":683.62,"end":695.475},{"sentences":[{"text":"I'm not under the pressure.","start":695.695,"end":697.075,"sentiment":"neutral","sentiment_score":0.25583225041627883},{"text":"But it might come to time in three or four months.","start":697.775,"end":700.015,"sentiment":"neutral","sentiment_score":0.11295572736046532},{"text":"So I'm be nice to go back to work just doing something.","start":700.015,"end":702.68,"sentiment":"positive","sentiment_score":0.40244510521491367},{"text":"Yeah.","start":706.98,"end":707.46,"sentiment":"neutral","sentiment_score":0.09205655753612518},{"text":"Yes.","start":707.46,"end":707.96,"sentiment":"neutral","sentiment_score":0.14646705985069275}],"sentiment":"neutral","sentiment_score":0.25298463776707647,"num_words":30,"start":695.695,"end":707.96},{"sentences":[{"text":"Yep.","start":711.06,"end":711.56,"sentiment":"neutral","sentiment_score":0.06411323696374893},{"text":"Yep.","start":712.34,"end":712.82,"sentiment":"neutral","sentiment_score":0.06811109185218811},{"text":"Exactly.","start":712.82,"end":713.32,"sentiment":"neutral","sentiment_score":0.04962854087352753},{"text":"We are quite comfortable at the moment.","start":724.315,"end":726.175,"sentiment":"neutral","sentiment_score":0.13499821509633744},{"text":"Not going on massive holidays and spending bits on cars.","start":727.18,"end":730.46,"sentiment":"neutral","sentiment_score":-0.06009008288383484}],"sentiment":"neutral","sentiment_score":0.026296977326273917,"num_words":20,"start":711.06,"end":730.46},{"sentences":[{"text":"That has all been done in the past.","start":730.46,"end":732.08,"sentiment":"neutral","sentiment_score":-0.03916407935321331},{"text":"It's just day to day living and paying them all with at the moment.","start":733.82,"end":736.64,"sentiment":"neutral","sentiment_score":-0.007211033354646393},{"text":"There is money in the bank.","start":737.02,"end":737.98004,"sentiment":"neutral","sentiment_score":-0.008577201515436172},{"text":"We can pay that off if we need to, but that's see, we were in two to three months' time.","start":737.98004,"end":743.545,"sentiment":"neutral","sentiment_score":-0.016799265146255495},{"text":"Yeah.","start":752.40497,"end":752.56494,"sentiment":"neutral","sentiment_score":-0.019232628867030144}],"sentiment":"neutral","sentiment_score":-0.01675404576888802,"num_words":49,"start":730.46,"end":752.56494},{"sentences":[{"text":"That that budget plan was a bit difficult because we'd actually included the investment property, and we were in a deficit.","start":752.56494,"end":759.21,"sentiment":"neutral","sentiment_score":-0.14312445975485302},{"text":"But when we took it out, it was it's looking after itself, I think.","start":759.27,"end":763.37,"sentiment":"neutral","sentiment_score":-0.01974984049905158},{"text":"The rent covers the mortgage.","start":763.59,"end":764.95,"sentiment":"neutral","sentiment_score":-0.021413026377558708},{"text":"There might be a little bit goes in, but not a great deal.","start":764.95,"end":767.11,"sentiment":"neutral","sentiment_score":-0.05841440363572194},{"text":"We have we're $25,000 a year out.","start":767.11,"end":769.85,"sentiment":"neutral","sentiment_score":-0.06324237159320287}],"sentiment":"neutral","sentiment_score":-0.07652100670238723,"num_words":60,"start":752.56494,"end":769.85},{"sentences":[{"text":"We can't be.","start":769.91,"end":770.715,"sentiment":"neutral","sentiment_score":-0.12446316331624985},{"text":"Yep.","start":786.14,"end":786.64,"sentiment":"neutral","sentiment_score":0.02918048575520515},{"text":"No.","start":807.495,"end":807.995,"sentiment":"neutral","sentiment_score":-0.0011300817131996157},{"text":"Yep.","start":808.295,"end":808.795,"sentiment":"neutral","sentiment_score":0.037064459174871445},{"text":"Final place it?","start":816.94,"end":818.06,"sentiment":"neutral","sentiment_score":0.049417342990636826}],"sentiment":"neutral","sentiment_score":-0.017780288639995787,"num_words":9,"start":769.91,"end":818.06},{"sentences":[{"text":"And I've I've actually got it on my calendar.","start":818.06,"end":820.38,"sentiment":"neutral","sentiment_score":0.06451359929309951},{"text":"Once I get it, I've gotta send it to you.","start":820.38,"end":822.48,"sentiment":"neutral","sentiment_score":0.07787785530090333},{"text":"I gotta send it to my tax adviser as well.","start":822.54,"end":826.4,"sentiment":"neutral","sentiment_score":0.08758821412920952},{"text":"Yep.","start":830.445,"end":830.765,"sentiment":"neutral","sentiment_score":0.130171000957489},{"text":"Yep.","start":830.765,"end":831.265,"sentiment":"neutral","sentiment_score":0.1103581041097641}],"sentiment":"neutral","sentiment_score":0.07986490945181539,"num_words":31,"start":818.06,"end":831.265},{"sentences":[{"text":"Yep.","start":833.805,"end":834.305,"sentiment":"neutral","sentiment_score":0.03199560567736626},{"text":"Yep.","start":837.805,"end":838.305,"sentiment":"neutral","sentiment_score":0.049889471381902695},{"text":"Okay.","start":841.44,"end":841.94,"sentiment":"neutral","sentiment_score":0.028942793607711792},{"text":"Yep.","start":844.0,"end":844.32,"sentiment":"neutral","sentiment_score":0.17420350015163422},{"text":"Perfect.","start":844.32,"end":844.82,"sentiment":"positive","sentiment_score":0.4259243607521057}],"sentiment":"neutral","sentiment_score":0.14219114631414415,"num_words":5,"start":833.805,"end":844.82},{"sentences":[{"text":"Okay.","start":844.95996,"end":845.45996,"sentiment":"neutral","sentiment_score":0.2743608355522156},{"text":"Awesome.","start":848.56,"end":849.06,"sentiment":"positive","sentiment_score":0.7468250393867493},{"text":"No.","start":852.635,"end":852.875,"sentiment":"neutral","sentiment_score":0.01890522986650467},{"text":"I was telling him said Helen said if you got it if if we have a push comes to shove and you've gotta go back to work, you can go back to work.","start":852.875,"end":858.235,"sentiment":"neutral","sentiment_score":-0.03477767572710008},{"text":"He's not down back to work for me.","start":858.235,"end":859.935,"sentiment":"neutral","sentiment_score":-0.10029826872050762}],"sentiment":"neutral","sentiment_score":-0.02068087145347487,"num_words":44,"start":844.95996,"end":859.935},{"sentences":[{"text":"Yeah.","start":864.475,"end":864.975,"sentiment":"neutral","sentiment_score":0.21081331372261047},{"text":"Yeah.","start":867.835,"end":868.335,"sentiment":"neutral","sentiment_score":0.18427392840385437},{"text":"So I was telling him, said, well, you've done everything you could while you were working to get the kids where they are, and now it's your time to appreciate what you've created, spend time with your grandkids.","start":869.43,"end":880.17,"sentiment":"neutral","sentiment_score":0.3211052045226097},{"text":"Was it all fair?","start":880.62994,"end":881.58997,"sentiment":"neutral","sentiment_score":0.28054364770650864},{"text":"Yeah.","start":881.58997,"end":882.08997,"sentiment":"neutral","sentiment_score":0.20251774787902832}],"sentiment":"neutral","sentiment_score":0.30937283005979327,"num_words":45,"start":864.475,"end":882.08997},{"sentences":[{"text":"Yeah.","start":882.55,"end":883.05,"sentiment":"neutral","sentiment_score":0.20429939031600952},{"text":"Yep.","start":890.925,"end":891.425,"sentiment":"neutral","sentiment_score":0.024003073573112488},{"text":"Yep.","start":894.125,"end":894.625,"sentiment":"neutral","sentiment_score":0.04044317454099655},{"text":"Mhmm.","start":905.33,"end":905.83,"sentiment":"neutral","sentiment_score":-0.0017593675293028357},{"text":"Yes, ma'am.","start":917.395,"end":917.79504,"sentiment":"positive","sentiment_score":0.5820082426071167}],"sentiment":"neutral","sentiment_score":0.2385004593525082,"num_words":6,"start":882.55,"end":917.79504},{"sentences":[{"text":"That's exactly right.","start":917.79504,"end":919.015,"sentiment":"neutral","sentiment_score":0.2790137430032094},{"text":"Yeah.","start":921.155,"end":921.655,"sentiment":"neutral","sentiment_score":0.2823750972747803},{"text":"Yes.","start":930.25,"end":930.75,"sentiment":"neutral","sentiment_score":0.1996871531009674},{"text":"Yeah.","start":931.13,"end":931.45,"sentiment":"neutral","sentiment_score":0.13273069262504578},{"text":"Yeah.","start":931.45,"end":931.69,"sentiment":"neutral","sentiment_score":0.12416701018810272}],"sentiment":"neutral","sentiment_score":0.22514302602836064,"num_words":7,"start":917.79504,"end":931.69},{"sentences":[{"text":"Because I I didn't see a lot of that with when I was I was with working.","start":931.69,"end":935.15,"sentiment":"neutral","sentiment_score":0.038125414620427525},{"text":"Always working.","start":935.37,"end":936.01,"sentiment":"neutral","sentiment_score":0.034405939280986786},{"text":"So I didn't see a great deal of them.","start":936.01,"end":937.37,"sentiment":"neutral","sentiment_score":0.08843211829662323},{"text":"And now I get to see it with the grandkids.","start":937.37,"end":938.91504,"sentiment":"positive","sentiment_score":0.33866885900497434},{"text":"I mean, my kids actually enjoy it actually because, you know, I teach teaching the grandkids things that I taught them, which is good.","start":938.97504,"end":945.23505,"sentiment":"positive","sentiment_score":0.43366675948103267}],"sentiment":"neutral","sentiment_score":0.24689554531247385,"num_words":62,"start":931.69,"end":945.23505},{"sentences":[{"text":"Yeah.","start":950.655,"end":951.12,"sentiment":"neutral","sentiment_score":0.13386233150959015},{"text":"Yes.","start":952.8,"end":953.2,"sentiment":"neutral","sentiment_score":0.09003716707229614},{"text":"Definitely.","start":953.2,"end":953.7,"sentiment":"neutral","sentiment_score":0.28955942392349243},{"text":"Definitely.","start":954.0,"end":954.5,"sentiment":"neutral","sentiment_score":0.2974608838558197},{"text":"Okay.","start":955.92,"end":956.42,"sentiment":"neutral","sentiment_score":0.2217927873134613}],"sentiment":"neutral","sentiment_score":0.20654251873493196,"num_words":5,"start":950.655,"end":956.42},{"sentences":[{"text":"All good.","start":958.4,"end":959.06,"sentiment":"positive","sentiment_score":0.42572933435440063},{"text":"Yep.","start":961.68,"end":962.18,"sentiment":"positive","sentiment_score":0.3916338086128235},{"text":"Awesome.","start":962.24,"end":962.74,"sentiment":"positive","sentiment_score":0.7215887308120728},{"text":"Yeah.","start":973.705,"end":974.205,"sentiment":"neutral","sentiment_score":0.1016453355550766},{"text":"No worries.","start":975.465,"end":975.78503,"sentiment":"neutral","sentiment_score":0.2898727357387543}],"sentiment":"positive","sentiment_score":0.3780102878808975,"num_words":7,"start":958.4,"end":975.78503},{"sentences":[{"text":"Thank you very much, Melissa.","start":975.78503,"end":976.925,"sentiment":"positive","sentiment_score":0.7610465168952942},{"text":"Thank you.","start":979.37683,"end":980.1168,"sentiment":"positive","sentiment_score":0.6745843887329102},{"text":"And you have a great day.","start":980.1768,"end":981.21686,"sentiment":"positive","sentiment_score":0.7092663844426473},{"text":"Bye bye.","start":981.21686,"end":981.53687,"sentiment":"neutral","sentiment_score":0.29245521128177643},{"text":"Bye bye.","start":981.53687,"end":981.9368,"sentiment":"neutral","sentiment_score":0.16500143706798553}],"sentiment":"positive","sentiment_score":0.6073478214881,"num_words":17,"start":975.78503,"end":981.9368},{"sentences":[{"text":"Bye.","start":981.9368,"end":982.4368,"sentiment":"neutral","sentiment_score":0.13537096977233887}],"sentiment":"neutral","sentiment_score":0.13537096977233887,"num_words":1,"start":981.9368,"end":982.4368}]}}]}],"paragraphs":{"transcript":"\nChannel 1: And reason for calling. I'll see if this person is available.\n\nChannel 0: Larissa. Arcview Financial.\n\nChannel 1: Thanks. Please stay on the line. Hello?\n\nChannel 0: Hi, Paul. It's Larissa from Oakview Financial. How are you going?\n\nChannel 1: Good, Larissa. Good. Good. I'm actually down in Melbourne at the moment with the grandkids.\n\nChannel 0: Yeah. Helen told me that you were you you spent the day traveling and that you were you were gonna be down in Melbourne?\n\nChannel 1: Yes.\n\nChannel 0: Is it nice and chilly down there?\n\nChannel 1: It is freezing.\n\nChannel 0: Oh, I've yeah. Unfortunately, I I don't actually doubt that.\n\nChannel 1: It's five or six degrees in the morning. That'd be freezing.\n\nChannel 0: Well, I won't keep you, so that way maybe you can go and hot chocolate, coffee, and\n\nChannel 1: No. I'm cooking for the grandkids while my daughter now at work. So it's all good.\n\nChannel 0: You know, hot stove works. Keep you nice and warm.\n\nChannel 1: Yeah. Yeah. Yeah. Very true. Very true.\n\nChannel 0: Well, before I jump into it, I do, as always, need to let you know our call is recorded. And if I could\n\nChannel 1: Yep.\n\nChannel 0: just get you confirmed security, full name, date of\n\nChannel 1: Paul Edward John Hobbs. Twenty\n\nChannel 0: birth,\n\nChannel 1: third\n\nChannel 0: and\n\nChannel 1: of them\n\nChannel 0: address.\n\nChannel 1: is 1962. Currently residing at 198 Street, Spears Point, New South Wales 2284.\n\nChannel 0: Perfect. Okay. So Helen insinuated in an email that things had changed and you needed to talk to me. So\n\nChannel 1: What\n\nChannel 0: let\n\nChannel 1: can you\n\nChannel 0: me know\n\nChannel 1: say?\n\nChannel 0: where\n\nChannel 1: So\n\nChannel 0: we're at. Stated,\n\nChannel 1: I've basically\n\nChannel 0: actually.\n\nChannel 1: I've actually pulled the pin at work. I've had enough.\n\nChannel 0: You're done.\n\nChannel 1: I'm done. I'm done. Yeah. It was the the corporate BS was just getting ridiculous, and I'm not a BS person. It's\n\nChannel 0: Cool. Yep.\n\nChannel 1: we most we work we work forward and and better ourselves in progress, not two steps forward, one step back, just to appease the financial side of things with the shareholders. You got things wrong. You don't wanna fix them. Just state it. But then don't expect us to go to the competent authorities and say, we're doing this, this, and this, but we're not.\n\nSo I just I can't do this no more.\n\nChannel 0: Yep. Okay. When was I lost at work?\n\nChannel 1: My last day at work, physically, was in April, and they basically said bye bye on the June 31.\n\nChannel 0: And paid you out everything?\n\nChannel 1: Pardon me. Yep. Yep.\n\nChannel 0: Okay. What did they pay out?\n\nChannel 1: Long service leave and annual leave.\n\nChannel 0: Okay. You\n\nChannel 1: Basically, everything that they owed me is about 40\n\nChannel 0: yep.\n\nChannel 1: $5,000.\n\nChannel 0: They paid it out before\n\nChannel 1: No. They paid\n\nChannel 0: and\n\nChannel 1: it out on the July 2.\n\nChannel 0: okay. Cool. Sweet. Alright. Happy days.\n\nI\n\nChannel 1: Yes.\n\nChannel 0: was about to be really sad.\n\nChannel 1: No. I told I made quite clear that they were not under the the letter was my fees for finite my employment on as, like, July 2,\n\nChannel 0: Perfect. Okay.\n\nChannel 1: which was a Friday.\n\nChannel 0: Yeah. No. That that's good. Alright. So the only thing I'm gonna need from you is that final pay slip.\n\nAnd if you have the termination because, generally, like, your termination letter and your final payslip state two\n\nChannel 1: Yep.\n\nChannel 0: different things. The final payslip will state, you know, it has all the figures, but the if you got a termination letter or, you know, your final letter that kind of stipulated anything that you were getting paid as a breakdown, sometimes that can have a little bit more in-depth contract based information if they did provide you with one just so I can ensure that, you know, if there was any payments of gratuity or or anything like that that they did pay you and depending on, obviously, what your payslip looks like. Sometimes payslip suggest we're paying you this. Termination,\n\nChannel 1: Yeah.\n\nChannel 0: this.\n\nChannel 1: That's it. Yeah. That's basically what they gave me. Well, I'm still\n\nChannel 0: Yeah.\n\nChannel 1: waiting for it because it this is an argument I had while I was off. They weren't sending me any payslip.\n\nChannel 0: Yeah.\n\nChannel 1: And then it got a bit nasty, so I had to get an employ employment lawyer involved. So they're not giving me any records, and then they sent me records for seven years because he jumped on board. And I finally got me a letter, but they're still not doing as it's supposed to pay when they pay you, they got seven days to give you the information or a couple of days, which they still haven't done.\n\nChannel 0: Yeah.\n\nChannel 1: So it's it's so at the\n\nChannel 0: Absolute\n\nChannel 1: moment, I'm\n\nChannel 0: height.\n\nChannel 1: not working. Oh, yeah. It's like when you pull the pin, they just make life difficult for you. And\n\nChannel 0: Yeah.\n\nChannel 1: it's not not not not like keeping balls. Hell, we're still working. I might go back to work, but I will not be going back to work for them.\n\nChannel 0: Yeah. No. Absolutely.\n\nChannel 1: It's it's since I was speaking to someone, Might have been a doctor, and he was saying use fire, which is financially independent, retire early. So I might just go work I might just go work in a coffee shop four or five days a week. I don't know. Four or five hours a day. I don't know.\n\nI don't know.\n\nChannel 0: Yeah.\n\nChannel 1: But I just\n\nChannel 0: Absolutely.\n\nChannel 1: cannot handle the corporate BS anymore.\n\nChannel 0: You wanna simplify and you wanna take a step back from all the\n\nChannel 1: Yes. Yeah.\n\nChannel 0: crud, I guess. Yeah.\n\nChannel 1: Well, it was a crowd dealing with competent authorities and just customers, and it which has got too hard. It\n\nChannel 0: Yeah. Hi. Hi. Do you know how much you were paid out as a lump sum?\n\nChannel 1: was about $44.04 between 44 43 and 45 there all up. I can\n\nChannel 0: Okay.\n\nChannel 1: actually go into my bank account right now\n\nChannel 0: Oh, don't\n\nChannel 1: and\n\nChannel 0: don't\n\nChannel 1: tell\n\nChannel 0: don't\n\nChannel 1: you.\n\nChannel 0: stress. If you don't don't stress too much. If you have, like, the the final pay slip or anything like that, which I'll need\n\nChannel 1: No.\n\nChannel 0: anyway\n\nChannel 1: They haven't sent that through yet.\n\nChannel 0: so they so they\n\nChannel 1: I'm\n\nChannel 0: provided\n\nChannel 1: not expecting that\n\nChannel 0: nothing.\n\nChannel 1: from the sixteenth. So on\n\nChannel 0: Wow.\n\nChannel 1: where\n\nChannel 0: My\n\nChannel 1: are\n\nChannel 0: word.\n\nChannel 1: we? Fuel fuel fuel fuel. 42,514 and $36.\n\nChannel 0: Okay. And they've provided you no breakdown as to where that fits.\n\nChannel 1: No. No. No.\n\nChannel 0: Okay. Fantastic. Alright.\n\nChannel 1: That's pretty I might get it in about two or three weeks' time if I get another\n\nChannel 0: Okay.\n\nChannel 1: letter sent.\n\nChannel 0: Yeah. Because I I'll need that just so I can look at, obviously, what portion was taxed, what portion wasn't\n\nChannel 1: Yep.\n\nChannel 0: taxed, whether there was anything from that that I need to consider.\n\nChannel 1: Yep.\n\nChannel 0: Because I can take that into consideration because it falls into this financial year, then we we wanna make sure that we're being tax smart, especially\n\nChannel 1: Correctly.\n\nChannel 0: since you're not gonna work this year and what that might\n\nChannel 1: Yeah.\n\nChannel 0: look like.\n\nChannel 1: K.\n\nChannel 0: I mean,\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: I\n\nChannel 0: 40\n\nChannel 1: might\n\nChannel 0: 2\n\nChannel 1: yeah.\n\nChannel 0: grand, so it's\n\nChannel 1: Yeah.\n\nChannel 0: not excessive in terms of an amount. We\n\nChannel 1: No.\n\nChannel 0: just wanna, obviously, look at what that looks like, though.\n\nChannel 1: Yeah. Well, the way it would have broken down, I'd say, because I'm it was on normally 6 and a half, 7 per month because because there's other bits and pieces coming out, but that won't be happening here because the shares were coming out on salary cycle force and whatnot. But as soon\n\nChannel 0: Yeah.\n\nChannel 1: as I get the breakdown, I will forward it on to you.\n\nChannel 0: Amazing. On that note, did you do you still own shares in\n\nChannel 1: Yes.\n\nChannel 0: okay. And they\n\nChannel 1: And I've asked for I've I've asked for a breakdown of those because soon as you terminate your employment, they are released from protection or whatever they call it so you can then sell them.\n\nChannel 0: yes. Yeah. Yeah. I remember you saying that that that basically they're preserved until you ultimately\n\nChannel 1: Yep. Preserve. That's a good\n\nChannel 0: be it\n\nChannel 1: lead.\n\nChannel 0: until\n\nChannel 1: So\n\nChannel 0: you\n\nChannel 1: the last ones\n\nChannel 0: cease employment.\n\nChannel 1: would have been bought in June because their anniversary is in May. And if you don't sign a document, would they change the wording of it? If you if you didn't reapply, it was you would just automatically put back into the pool and you they carried on doing what they're doing.\n\nChannel 0: Yes.\n\nChannel 1: So May, June, July, there would have been another thousand dollars worth of shares purchased.\n\nChannel 0: Okay. Okay. That's okay. Not the end of the world. That's that's\n\nChannel 1: No.\n\nChannel 0: okay. We may look at holding on to those for a little bit just so that way we're not selling them within a couple months of getting them depending on, obviously, how many shares you purchase, what the purchase price is, and stuff like that.\n\nChannel 1: Yeah. I won't be so anxious. Maybe till next year or the year after. I'll just sit on it for\n\nChannel 0: Yeah.\n\nChannel 1: a moment.\n\nChannel 0: Yeah. No. Perfect. But, yeah, if they're able to give you a schedule of, you know, when you've purchased the shares and what that looks\n\nChannel 1: Yep.\n\nChannel 0: like, that would be good and send that through. And and\n\nChannel 1: Yes.\n\nChannel 0: if you if you don't get it now, that's okay. We can consider it in twelve months' time\n\nChannel 1: Yep.\n\nChannel 0: what that looks like, but at least we have a bit of evaluation on what actually how\n\nChannel 1: Yeah.\n\nChannel 0: much how much you have sitting there in terms of number of shares, I\n\nChannel 1: Yeah.\n\nChannel 0: think, at least current\n\nChannel 1: I do\n\nChannel 0: value.\n\nChannel 1: apologize for springing this on you, but I I said to Helen, do I ring them and let them know or just do it? So because\n\nChannel 0: Yeah.\n\nChannel 1: I can't handle this. It's not what works. I said I she said you should actually let your financial plan in there, but, you know, you know, spontaneity took over, which is a bit silly.\n\nChannel 0: No. Not at all. No. And look, irrespective, there does come a time where your own mental health does sometimes come out over the finances. You've made a a decision for your health and well-being, and\n\nChannel 1: Yeah. Oh,\n\nChannel 0: I just\n\nChannel 1: yes.\n\nChannel 0: I will deal with the finances on the back end, and that's okay. It doesn't\n\nChannel 1: Yeah. It's been\n\nChannel 0: change much.\n\nChannel 1: a big about it's been a lot about that since\n\nChannel 0: Yeah.\n\nChannel 1: last year. I'm looking to spout on about I had a total change of health and life work balance round about February, March. It just progressed from there.\n\nChannel 0: Yeah. It\n\nChannel 1: Anyway\n\nChannel 0: it doesn't change much. We were already already talking about you retiring semi soon anyway.\n\nChannel 1: oh,\n\nChannel 0: So\n\nChannel 1: alright.\n\nChannel 0: it's\n\nChannel 1: Okay.\n\nChannel 0: you know, when we when when we spoken over the last year, it's it's always been your intention to to kind of look at retiring soon ish, at least leaving that that employment. So it's not when Helen emailed me, I'm, you know, I'm not totally shocked that this is what you were telling me anyway.\n\nChannel 1: Yep. Sorry. Yep.\n\nChannel 0: No. No. Not at all. I was I was talking with Caden who is, like, my admin, and we were going through my calendar this morning and just organizing and, you know, stuff like that. And he was like, oh, you're supposed to leave at 05:00 today.\n\nI was like he's like, you have a meeting? I was like, yeah. It's with Paul. It's fine. Like, I scheduled that in myself.\n\nDon't stress. And he was like, well well, what's going on? I'm like, look. If I had to put money on it, I reckon he's gonna tell me he's retired.\n\nChannel 1: Yeah. Well, I I pulled the pin on work. I haven't retired. I might go back to work.\n\nChannel 0: Yeah.\n\nChannel 1: I gotta I gotta get myself to work out what I wanna do because I'm in a bit of a piggle do piggle do at the moment. Looking after grandkids, cooking at home, doing this around home. Very enjoyable. I'm not under the pressure. But it\n\nChannel 0: Yep.\n\nChannel 1: might come to time in three or four months. So I'm be nice to go back to work just doing something.\n\nChannel 0: Yep. At the moment, you are technically labeled as retired, though.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Yes.\n\nChannel 0: if you choose to reenter the workforce, that's the choice that you have available. But right\n\nChannel 1: Yep.\n\nChannel 0: now, you're retired.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Exactly.\n\nChannel 0: the biggest question is, I guess, do I need to consider, like, immediate income for you or because you've received a lump sum, you're quite comfortable at the moment?\n\nChannel 1: We are quite comfortable at the moment.\n\nChannel 0: Okay.\n\nChannel 1: Not going on massive holidays and spending bits on cars. That has all been done in the past.\n\nChannel 0: Yep. Fine.\n\nChannel 1: It's\n\nChannel 0: No.\n\nChannel 1: just\n\nChannel 0: That's\n\nChannel 1: day\n\nChannel 0: okay.\n\nChannel 1: to day living and paying them all with at the moment. There\n\nChannel 0: Okay.\n\nChannel 1: is money in the bank. We can pay that off if we need to, but that's see, we were in two to three months' time.\n\nChannel 0: Yes. Yeah. Nope. That's okay. Well, you guys have given me everything now anyway\n\nChannel 1: Yeah. That\n\nChannel 0: with\n\nChannel 1: that budget plan was a bit difficult because we'd actually included the investment property, and we were in a deficit. But\n\nChannel 0: yeah.\n\nChannel 1: when we took it out, it was it's looking after itself, I think. The rent\n\nChannel 0: Yeah.\n\nChannel 1: covers the mortgage. There might be a little bit\n\nChannel 0: I\n\nChannel 1: goes in, but not a great deal. We have we're $25,000 a year out. We can't be.\n\nChannel 0: know. Sometimes it'd be a pain to do it. No. That's okay. I had a look at that.\n\nI I I saw that there were that was that was there. So, no, I I I started going through all the documents and laying them all out.\n\nChannel 1: Yep.\n\nChannel 0: And then, like, I've been looking at them as Helen's been sending them to me. And then when she emailed to say that you want to talk, I was like, oh, I'm just gonna put everything down for a second just in case I'm gonna get this huge curve ball, and then we'll go from there. But it it's not really that big of a curve ball. It's okay. I will continue breaking down everything that I need\n\nChannel 1: No.\n\nChannel 0: to break down,\n\nChannel 1: Yep.\n\nChannel 0: And and all all I really need from you, which I can I can send you in an email so you don't have to remember, is just basically that\n\nChannel 1: Final place\n\nChannel 0: the\n\nChannel 1: it? And\n\nChannel 0: yeah?\n\nChannel 1: I've\n\nChannel 0: If I can have\n\nChannel 1: I've\n\nChannel 0: you\n\nChannel 1: actually got it on my calendar. Once I get it, I've gotta send it to you. I gotta send it to my tax adviser as well.\n\nChannel 0: perfect. Oh, yeah. Yeah. We can. Yeah.\n\nAbsolutely.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Yeah. So yeah. If I can have that and any\n\nChannel 1: Yep.\n\nChannel 0: of the correspondence that they've provided you in terms of your termination,\n\nChannel 1: Yep.\n\nChannel 0: that just lets me do what I need to do to calculate\n\nChannel 1: Okay.\n\nChannel 0: what we can do from a tax perspective this year.\n\nChannel 1: Yep. Perfect. Okay.\n\nChannel 0: Yeah. That's nice and easy.\n\nChannel 1: Awesome.\n\nChannel 0: Just adds an adds another layer, but nothing too difficult.\n\nChannel 1: No. I was telling him said Helen said if you got it if if we have a push comes to shove and you've gotta go back to work, you can go back to work. He's not down back to work for me.\n\nChannel 0: No. No. And right now, you get to enjoy the grandkids and\n\nChannel 1: Yeah.\n\nChannel 0: spend time with them, do\n\nChannel 1: Yeah.\n\nChannel 0: something for the family.\n\nChannel 1: So I was telling him, said, well, you've done everything you could while you were working to get the kids where they are, and now it's your time to appreciate what you've created, spend time with your grandkids. Was\n\nChannel 0: Absolutely.\n\nChannel 1: it all fair? Yeah. Yeah.\n\nChannel 0: Absolutely. And I it's I I speak to a lot of clients and, like, I I guess, my own like, I have I have kids that, you\n\nChannel 1: Yep.\n\nChannel 0: know, young and but teenagers.\n\nChannel 1: Yep.\n\nChannel 0: And I, you know, I I watch how my mother is with my kids. And I sit there and I'm like, that's not how you were with me and my siblings. And she's like,\n\nChannel 1: Mhmm.\n\nChannel 0: no. Because when you're raising your kids, you're in in the thick of it. You're living, you're working, you're surviving. And then, you know, now you get to kinda slow down. You really get to enjoy\n\nChannel 1: Yes, ma'am.\n\nChannel 0: what\n\nChannel 1: That's exactly\n\nChannel 0: raising\n\nChannel 1: right.\n\nChannel 0: what raising a child is about\n\nChannel 1: Yeah.\n\nChannel 0: and get to experience the the the nuance, the the the enjoyment of all those little intricacies that children bring, the quirky\n\nChannel 1: Yes.\n\nChannel 0: things.\n\nChannel 1: Yeah. Yeah. Because I I didn't see a lot of that with when I was I was with working. Always working. So I didn't see a great deal of them.\n\nAnd now I get to see it with the grandkids. I mean, my kids actually enjoy it actually because, you know, I teach teaching the grandkids\n\nChannel 0: Yep.\n\nChannel 1: things that I taught them, which is good.\n\nChannel 0: Yeah. Yeah. You're still going you're going to relive relive those moments that you really got to enjoy and then experience\n\nChannel 1: Yeah.\n\nChannel 0: some of the things that you may have missed because you're\n\nChannel 1: Yes.\n\nChannel 0: working.\n\nChannel 1: Definitely.\n\nChannel 0: And I'm\n\nChannel 1: Definitely.\n\nChannel 0: I'm right there with you with it. I\n\nChannel 1: Okay.\n\nChannel 0: all the time.\n\nChannel 1: All\n\nChannel 0: Well,\n\nChannel 1: good.\n\nChannel 0: you go and you go and finish cooking dinner for the kids,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Awesome.\n\nChannel 0: I'll flick you an email. That way, it reminds me. I'll have it on your notes anyway, and you have somewhere to email and a secondary point. And, yeah, when you get it, send it through, and I'll keep on cracking\n\nChannel 1: Yeah.\n\nChannel 0: on with what I'm doing on this side.\n\nChannel 1: No worries. Thank you very much, Melissa.\n\nChannel 0: No. Always, Paul. My pleasure. You have\n\nChannel 1: Thank\n\nChannel 0: a good\n\nChannel 1: you.\n\nChannel 0: night.\n\nChannel 1: And you have a great day. Bye bye. Bye bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"And reason for calling.","start":0.39999998,"end":1.68,"sentiment":"neutral","sentiment_score":0.0031615186017006636},{"text":"I'll see if this person is available.","start":1.68,"end":3.54,"sentiment":"neutral","sentiment_score":0.01057262159883976}],"sentiment":"neutral","sentiment_score":0.007877675054425543,"channel":1,"num_words":11,"start":0.39999998,"end":3.54},{"sentences":[{"text":"Larissa.","start":8.48,"end":8.98,"sentiment":"neutral","sentiment_score":0.02809838764369488},{"text":"Arcview Financial.","start":9.28,"end":10.34,"sentiment":"neutral","sentiment_score":0.049401719123125076}],"sentiment":"neutral","sentiment_score":0.042300608629981674,"channel":0,"num_words":3,"start":8.48,"end":10.34},{"sentences":[{"text":"Thanks.","start":16.105,"end":16.605,"sentiment":"positive","sentiment_score":0.40625596046447754},{"text":"Please stay on the line.","start":16.744999,"end":18.125,"sentiment":"neutral","sentiment_score":0.21734959483146668},{"text":"Hello?","start":29.28,"end":29.78,"sentiment":"neutral","sentiment_score":0.0794270932674408}],"sentiment":"neutral","sentiment_score":0.22463300398417882,"channel":1,"num_words":7,"start":16.105,"end":29.78},{"sentences":[{"text":"Hi, Paul.","start":30.51,"end":31.23,"sentiment":"neutral","sentiment_score":0.15486891567707062},{"text":"It's Larissa from Oakview Financial.","start":31.23,"end":32.67,"sentiment":"neutral","sentiment_score":0.15653638839721679},{"text":"How are you going?","start":32.67,"end":33.489998,"sentiment":"neutral","sentiment_score":0.19402535632252693}],"sentiment":"neutral","sentiment_score":0.16986556351184845,"channel":0,"num_words":11,"start":30.51,"end":33.489998},{"sentences":[{"text":"Good, Larissa.","start":33.760002,"end":34.66,"sentiment":"positive","sentiment_score":0.4420297294855118},{"text":"Good.","start":34.96,"end":35.2,"sentiment":"positive","sentiment_score":0.5764077305793762},{"text":"Good.","start":35.2,"end":35.32,"sentiment":"positive","sentiment_score":0.5467171669006348},{"text":"I'm actually down in Melbourne at the moment with the grandkids.","start":35.32,"end":38.420002,"sentiment":"neutral","sentiment_score":0.26858534731648187}],"sentiment":"neutral","sentiment_score":0.33077487846215564,"channel":1,"num_words":15,"start":33.760002,"end":38.420002},{"sentences":[{"text":"Yeah.","start":39.245,"end":39.565,"sentiment":"neutral","sentiment_score":0.10450015217065813},{"text":"Helen told me that you were you you spent the day traveling and that you were you were gonna be down in Melbourne?","start":39.565,"end":44.704998,"sentiment":"neutral","sentiment_score":0.0660746178549269}],"sentiment":"neutral","sentiment_score":0.06767568178474903,"channel":0,"num_words":24,"start":39.245,"end":44.704998},{"sentences":[{"text":"Yes.","start":45.015,"end":45.515,"sentiment":"neutral","sentiment_score":0.09659576416015624}],"sentiment":"neutral","sentiment_score":0.09659576416015624,"channel":1,"num_words":1,"start":45.015,"end":45.515},{"sentences":[{"text":"Is it nice and chilly down there?","start":46.765,"end":48.545,"sentiment":"neutral","sentiment_score":0.14204320524420058}],"sentiment":"neutral","sentiment_score":0.14204320524420058,"channel":0,"num_words":7,"start":46.765,"end":48.545},{"sentences":[{"text":"It is freezing.","start":49.015,"end":49.995,"sentiment":"neutral","sentiment_score":-0.08922479674220085}],"sentiment":"neutral","sentiment_score":-0.08922479674220085,"channel":1,"num_words":3,"start":49.015,"end":49.995},{"sentences":[{"text":"Oh, I've yeah.","start":52.46,"end":54.059998,"sentiment":"neutral","sentiment_score":-0.034619973972439766},{"text":"Unfortunately, I I don't actually doubt that.","start":54.059998,"end":56.48,"sentiment":"neutral","sentiment_score":-0.16320002930504934}],"sentiment":"neutral","sentiment_score":-0.12462601270526648,"channel":0,"num_words":10,"start":52.46,"end":56.48},{"sentences":[{"text":"It's five or six degrees in the morning.","start":57.02,"end":59.579998,"sentiment":"neutral","sentiment_score":-0.08659747522324324},{"text":"That'd be freezing.","start":59.579998,"end":60.64,"sentiment":"neutral","sentiment_score":-0.153801828622818}],"sentiment":"neutral","sentiment_score":-0.10492593524130908,"channel":1,"num_words":11,"start":57.02,"end":60.64},{"sentences":[{"text":"Well, I won't keep you, so that way maybe you can go and hot chocolate, coffee, and","start":63.835,"end":68.814995,"sentiment":"neutral","sentiment_score":0.04853583105346736}],"sentiment":"neutral","sentiment_score":0.04853583105346736,"channel":0,"num_words":17,"start":63.835,"end":68.814995},{"sentences":[{"text":"No.","start":69.285,"end":69.525,"sentiment":"neutral","sentiment_score":-0.020747561007738113},{"text":"I'm cooking for the grandkids while my daughter now at work.","start":69.525,"end":72.085,"sentiment":"neutral","sentiment_score":0.09946776486255905},{"text":"So it's all good.","start":72.085,"end":73.145,"sentiment":"positive","sentiment_score":0.46300916373729706}],"sentiment":"neutral","sentiment_score":0.18283965671434999,"channel":1,"num_words":16,"start":69.285,"end":73.145},{"sentences":[{"text":"You know, hot stove works.","start":75.77,"end":77.31,"sentiment":"neutral","sentiment_score":0.32514792680740356},{"text":"Keep you nice and warm.","start":78.009995,"end":79.229996,"sentiment":"positive","sentiment_score":0.3458807528018951}],"sentiment":"positive","sentiment_score":0.33551433980464934,"channel":0,"num_words":10,"start":75.77,"end":79.229996},{"sentences":[{"text":"Yeah.","start":79.685,"end":79.925,"sentiment":"neutral","sentiment_score":0.10030487179756165},{"text":"Yeah.","start":79.925,"end":80.165,"sentiment":"neutral","sentiment_score":0.095709890127182},{"text":"Yeah.","start":80.165,"end":80.405,"sentiment":"neutral","sentiment_score":0.11842813342809676},{"text":"Very true.","start":80.405,"end":80.965,"sentiment":"neutral","sentiment_score":0.22145409882068634},{"text":"Very true.","start":80.965,"end":81.785,"sentiment":"neutral","sentiment_score":0.21764590591192245}],"sentiment":"neutral","sentiment_score":0.17037755783115113,"channel":1,"num_words":7,"start":79.685,"end":81.785},{"sentences":[{"text":"Well, before I jump into it, I do, as always, need to let you know our call is 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The customer is also upset because they were told they were not under the financial services agreement and that they would receive a final pay slip. The agent suggests holding onto shares until they can determine their final purchase price and explains that the customer will need a breakdown of their expenses. The customer is retired and considering reentering the workforce, and the agent explains that they will continue breaking down everything they need to do. The agent reminds the customer to email if they need to remind them and provides a point of contact for future inquiries."},"intents":{"segments":[{"text":"And I finally got me a letter, but they're still not doing as it's supposed to pay when they pay you, they got seven days to give you the information or a couple of days, which they still haven't done. Yeah.","start_word":694,"end_word":734,"intents":[{"intent":"Resolve pay discrepancies","confidence_score":0.047049493}]},{"text":"Because I I'll need that just so I can look at, obviously, what portion was taxed, what portion wasn't Yep. taxed, whether there was anything from that that I need to consider. Yep.","start_word":1052,"end_word":1084,"intents":[{"intent":"Analyze tax and financial data","confidence_score":0.000014571672}]},{"text":"On that note, did you do you still own shares in Yes. okay.","start_word":1227,"end_word":1239,"intents":[{"intent":"Confirm ownership of shares","confidence_score":0.010093743}]},{"text":"And they And I've asked for I've I've asked for a breakdown of those because soon as you terminate your employment, they are released from protection or whatever they call it so you can then sell them. yes. Yeah.","start_word":1240,"end_word":1278,"intents":[{"intent":"Discuss sale of shares","confidence_score":0.0004885176}]},{"text":"But, yeah, if they're able to give you a schedule of, you know, when you've purchased the shares and what that looks Yep. like, that would be good and send that through. And and Yes.","start_word":1461,"end_word":1495,"intents":[{"intent":"Analyze purchase schedule","confidence_score":0.010582873}]},{"text":"You've made a a decision for your health and well-being, and Yeah.","start_word":1643,"end_word":1654,"intents":[{"intent":"Make a decision","confidence_score":0.046235625}]},{"text":"I will deal with the finances on the back end, and that's okay.","start_word":1658,"end_word":1670,"intents":[{"intent":"Deal with finances","confidence_score":0.9633974}]},{"text":"I was I was talking with Caden who is, like, my admin, and we were going through my calendar this morning and just organizing and, you know, stuff like that.","start_word":1804,"end_word":1833,"intents":[{"intent":"Speak with calen","confidence_score":0.005026272}]},{"text":"I gotta I gotta get myself to work out what I wanna do because I'm in a bit of a piggle do piggle do at the moment.","start_word":1919,"end_word":1945,"intents":[{"intent":"Work out what you want to retire","confidence_score":0.02052716}]},{"text":"At the moment, you are technically labeled as retired, though. Yeah. And Yes.","start_word":1988,"end_word":2000,"intents":[{"intent":"Determine retirement eligibility","confidence_score":0.007997304}]},{"text":"And and all all I really need from you, which I can I can send you in an email so you don't have to remember, is just basically that Final place the it? And yeah?","start_word":2337,"end_word":2371,"intents":[{"intent":"Send email","confidence_score":0.045015726}]},{"text":"of the correspondence that they've provided you in terms of your termination, Yep. that just lets me do what I need to do to calculate Okay. what we can do from a tax perspective this year. Yep.","start_word":2427,"end_word":2463,"intents":[{"intent":"Provide correspondence","confidence_score":0.06806268}]},{"text":"what we can do from a tax perspective this year.","start_word":2453,"end_word":2462,"intents":[{"intent":"Calculate tax deduction","confidence_score":0.01909936}]},{"text":"what raising a child is about Yeah. and get to experience the the the nuance, the the the enjoyment of all those little intricacies that children bring, the quirky Yes. things.","start_word":2704,"end_word":2734,"intents":[{"intent":"Concise","confidence_score":0.000010125008}]},{"text":"You're still going you're going to relive relive those moments that you really got to enjoy and then experience Yeah.","start_word":2802,"end_word":2821,"intents":[{"intent":"Sharing experiences","confidence_score":0.22190431},{"intent":"Reliving moments","confidence_score":0.014472051},{"intent":"Sharing experiences","confidence_score":0.3291872},{"intent":"Sharing experiences","confidence_score":0.16647549}]},{"text":"I'll flick you an email. That way, it reminds me. I'll have it on your notes anyway, and you have somewhere to email and a secondary point. And, yeah, when you get it, send it through, and I'll keep on cracking Yeah.","start_word":2869,"end_word":2910,"intents":[{"intent":"Expressing intents","confidence_score":0.00025494996},{"intent":"Requesting email","confidence_score":0.020054989},{"intent":"Sharing notes","confidence_score":0.014799941}]}]},"sentiments":{"segments":[{"text":"And reason for calling. I'll see if this person is available. Larissa. Arcview Financial.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.01964980736374855},{"text":"Thanks.","start_word":14,"end_word":14,"sentiment":"positive","sentiment_score":0.40625596046447754},{"text":"Please stay on the line. Hello? Hi, Paul. It's Larissa from Oakview Financial. How are you going?","start_word":15,"end_word":31,"sentiment":"neutral","sentiment_score":0.17256148159503937},{"text":"Good, Larissa. Good. Good.","start_word":32,"end_word":35,"sentiment":"positive","sentiment_score":0.4863083064556122},{"text":"I'm actually down in Melbourne at the moment with the grandkids. Yeah. Helen told me that you were you you spent the day traveling and that you were you were gonna be down in Melbourne? Yes. Is it nice and chilly down there? It is freezing. Oh, I've yeah. Unfortunately, I I don't actually doubt that. It's five or six degrees in the morning. That'd be freezing. Well, I won't keep you, so that way maybe you can go and hot chocolate, coffee, and No. I'm cooking for the grandkids while my daughter now at work.","start_word":36,"end_word":131,"sentiment":"neutral","sentiment_score":0.050112202763557434},{"text":"So it's all good.","start_word":132,"end_word":135,"sentiment":"positive","sentiment_score":0.46622180938720703},{"text":"You know, hot stove works.","start_word":136,"end_word":140,"sentiment":"neutral","sentiment_score":0.3142949044704437},{"text":"Keep you nice and warm.","start_word":141,"end_word":145,"sentiment":"positive","sentiment_score":0.3366076350212097},{"text":"Yeah. Yeah. Yeah. Very true. Very true. Well, before I jump into it, I do, as always, need to let you know our call is recorded. And if I could Yep. just get you confirmed security, full name, date of Paul Edward John Hobbs. Twenty birth, third and of them address. is 1962. Currently residing at 198 Street, Spears Point, New South Wales 2284. Perfect. Okay. So Helen insinuated in an email that things had changed and you needed to talk to me. So What let can you me know say? where So we're at. Stated, I've basically actually. I've actually pulled the pin at work. I've had enough. You're done. I'm done. I'm done. Yeah. It was the the corporate BS was just getting ridiculous, and I'm not a BS person. It's Cool. Yep. we most we work we work forward and and better ourselves in progress, not two steps forward, one step back, just to appease the financial side of things with the shareholders.","start_word":146,"end_word":311,"sentiment":"neutral","sentiment_score":0.0034161240328103304},{"text":"You got things wrong. You don't wanna fix them.","start_word":312,"end_word":320,"sentiment":"negative","sentiment_score":-0.530044674873352},{"text":"Just state it.","start_word":321,"end_word":323,"sentiment":"neutral","sentiment_score":-0.28433921933174133},{"text":"But then don't expect us to go to the competent authorities and say, we're doing this, this, and this, but we're not. So I just I can't do this no more.","start_word":324,"end_word":354,"sentiment":"negative","sentiment_score":-0.4860343933105469},{"text":"Yep. Okay. When was I lost at work? My last day at work, physically, was in April, and they basically said bye bye on the June 31. And paid you out everything? Pardon me. Yep. Yep. Okay. What did they pay out? Long service leave and annual leave. Okay. You Basically, everything that they owed me is about 40 yep. $5,000. They paid it out before No. They paid and it out on the July 2. okay. Cool. Sweet. Alright.","start_word":355,"end_word":434,"sentiment":"neutral","sentiment_score":-0.037231702357530594},{"text":"Happy days.","start_word":435,"end_word":436,"sentiment":"positive","sentiment_score":0.3902023732662201},{"text":"I Yes. was about to be really sad. No. I told I made quite clear that they were not under the the letter was my fees for finite my employment on as, like, July 2, Perfect. Okay. which was a Friday. Yeah. No. That that's good. Alright. So the only thing I'm gonna need from you is that final pay slip. And if you have the termination because, generally, like, your termination letter and your final payslip state two Yep. different things. The final payslip will state, you know, it has all the figures, but the if you got a termination letter or, you know, your final letter that kind of stipulated anything that you were getting paid as a breakdown, sometimes that can have a little bit more in-depth contract based information if they did provide you with one just so I can ensure that, you know, if there was any payments of gratuity or or anything like that that they did pay you and depending on, obviously, what your payslip looks like. Sometimes payslip suggest we're paying you this. Termination, Yeah. this. That's it. Yeah. That's basically what they gave me. Well, I'm still Yeah. waiting for it because it this is an argument I had while I was off.","start_word":437,"end_word":648,"sentiment":"neutral","sentiment_score":-0.059340573847293854},{"text":"They weren't sending me any payslip.","start_word":649,"end_word":654,"sentiment":"negative","sentiment_score":-0.41547924280166626},{"text":"Yeah.","start_word":655,"end_word":655,"sentiment":"neutral","sentiment_score":-0.231327623128891},{"text":"And then it got a bit nasty, so I had to get an employ employment lawyer involved. So they're not giving me any records, and then they sent me records for seven years because he jumped on board. And I finally got me a letter, but they're still not doing as it's supposed to pay when they pay you, they got seven days to give you the information or a couple of days, which they still haven't done.","start_word":656,"end_word":733,"sentiment":"negative","sentiment_score":-0.41405364871025085},{"text":"Yeah. So it's it's so at the Absolute moment, I'm height.","start_word":734,"end_word":744,"sentiment":"neutral","sentiment_score":-0.23233923316001892},{"text":"not working. Oh, yeah. It's like when you pull the pin, they just make life difficult for you.","start_word":745,"end_word":762,"sentiment":"negative","sentiment_score":-0.5099801421165466},{"text":"And Yeah.","start_word":763,"end_word":764,"sentiment":"neutral","sentiment_score":-0.32285329699516296},{"text":"it's not not not not like keeping balls. Hell, we're still working. I might go back to work, but I will not be going back to work for them.","start_word":765,"end_word":793,"sentiment":"negative","sentiment_score":-0.36531397700309753},{"text":"Yeah. No. Absolutely. It's it's since I was speaking to someone, Might have been a doctor, and he was saying use fire, which is financially independent, retire early. So I might just go work I might just go work in a coffee shop four or five days a week. I don't know. Four or five hours a day. I don't know. I don't know. Yeah. But I just Absolutely.","start_word":794,"end_word":862,"sentiment":"neutral","sentiment_score":-0.15212012827396393},{"text":"cannot handle the corporate BS anymore.","start_word":863,"end_word":868,"sentiment":"negative","sentiment_score":-0.509762167930603},{"text":"You wanna simplify and you wanna take a step back from all the Yes. Yeah.","start_word":869,"end_word":883,"sentiment":"neutral","sentiment_score":-0.2638632655143738},{"text":"crud, I guess.","start_word":884,"end_word":886,"sentiment":"negative","sentiment_score":-0.3405592143535614},{"text":"Yeah.","start_word":887,"end_word":887,"sentiment":"neutral","sentiment_score":-0.22553543746471405},{"text":"Well, it was a crowd dealing with competent authorities and just customers, and it which has got too hard.","start_word":888,"end_word":906,"sentiment":"negative","sentiment_score":-0.40033888816833496},{"text":"It Yeah. Hi. Hi. Do you know how much you were paid out as a lump sum? was about $44.04 between 44 43 and 45 there all up. I can Okay. actually go into my bank account right now Oh, don't and don't tell don't you. stress. If you don't don't stress too much. If you have, like, the the final pay slip or anything like that, which I'll need No. anyway They haven't sent that through yet. so they so they I'm provided not expecting that nothing. from the sixteenth. So on Wow. where My are word. we? Fuel fuel fuel fuel. 42,514 and $36. Okay. And they've provided you no breakdown as to where that fits. No. No. No. Okay.","start_word":907,"end_word":1028,"sentiment":"neutral","sentiment_score":-0.035169534278331235},{"text":"Fantastic. Alright.","start_word":1029,"end_word":1030,"sentiment":"positive","sentiment_score":0.4543621242046356},{"text":"That's pretty I might get it in about two or three weeks' time if I get another Okay. letter sent. Yeah. Because I I'll need that just so I can look at, obviously, what portion was taxed, what portion wasn't Yep. taxed, whether there was anything from that that I need to consider. Yep. Because I can take that into consideration because it falls into this financial year, then we we wanna make sure that we're being tax smart, especially Correctly. since you're not gonna work this year and what that might Yeah. look like. K. I mean, Yeah. it's I 40 might 2 yeah. grand, so it's Yeah. not excessive in terms of an amount. We No. just wanna, obviously, look at what that looks like, though. Yeah. Well, the way it would have broken down, I'd say, because I'm it was on normally 6 and a half, 7 per month because because there's other bits and pieces coming out, but that won't be happening here because the shares were coming out on salary cycle force and whatnot. But as soon Yeah. as I get the breakdown, I will forward it on to you. Amazing. On that note, did you do you still own shares in Yes. okay. And they And I've asked for I've I've asked for a breakdown of those because soon as you terminate your employment, they are released from protection or whatever they call it so you can then sell them. yes. Yeah. Yeah. I remember you saying that that that basically they're preserved until you ultimately Yep. Preserve. That's a good be it lead. until So you the last ones cease employment. would have been bought in June because their anniversary is in May. And if you don't sign a document, would they change the wording of it? If you if you didn't reapply, it was you would just automatically put back into the pool and you they carried on doing what they're doing. Yes. So May, June, July, there would have been another thousand dollars worth of shares purchased. Okay. Okay. That's okay. Not the end of the world. That's that's No. okay. We may look at holding on to those for a little bit just so that way we're not selling them within a couple months of getting them depending on, obviously, how many shares you purchase, what the purchase price is, and stuff like that. Yeah. I won't be so anxious. Maybe till next year or the year after. I'll just sit on it for Yeah. a moment. Yeah. No. Perfect. But, yeah, if they're able to give you a schedule of, you know, when you've purchased the shares and what that looks Yep.","start_word":1031,"end_word":1483,"sentiment":"neutral","sentiment_score":0.03632068239300456},{"text":"like, that would be good and send that through.","start_word":1484,"end_word":1492,"sentiment":"positive","sentiment_score":0.4464027285575866},{"text":"And and Yes. if you if you don't get it now, that's okay. We can consider it in twelve months' time Yep. what that looks like, but at least we have a bit of evaluation on what actually how Yeah. much how much you have sitting there in terms of number of shares, I Yeah. think, at least current I do value. apologize for springing this on you, but I I said to Helen, do I ring them and let them know or just do it? So because Yeah.","start_word":1493,"end_word":1581,"sentiment":"neutral","sentiment_score":-0.005353108048439026},{"text":"I can't handle this. It's not what works.","start_word":1582,"end_word":1589,"sentiment":"negative","sentiment_score":-0.5244429111480713},{"text":"I said I she said you should actually let your financial plan in there, but, you know, you know, spontaneity took over, which is a bit silly. No. Not at all. No. And look, irrespective, there does come a time where your own mental health does sometimes come out over the finances.","start_word":1590,"end_word":1641,"sentiment":"neutral","sentiment_score":-0.26451221108436584},{"text":"You've made a a decision for your health and well-being, and Yeah.","start_word":1642,"end_word":1653,"sentiment":"positive","sentiment_score":0.46997520327568054},{"text":"Oh, I just yes. I will deal with the finances on the back end, and that's okay. It doesn't Yeah. It's been change much. a big about it's been a lot about that since Yeah. last year. I'm looking to spout on about I had a total change of health and life work balance round about February, March. It just progressed from there. Yeah. It Anyway it doesn't change much. We were already already talking about you retiring semi soon anyway. oh, So alright. it's Okay. you know, when we when when we spoken over the last year, it's it's always been your intention to to kind of look at retiring soon ish, at least leaving that that employment. So it's not when Helen emailed me, I'm, you know, I'm not totally shocked that this is what you were telling me anyway. Yep. Sorry. Yep. No. No. Not at all. I was I was talking with Caden who is, like, my admin, and we were going through my calendar this morning and just organizing and, you know, stuff like that. And he was like, oh, you're supposed to leave at 05:00 today. I was like he's like, you have a meeting? I was like, yeah. It's with Paul. It's fine. Like, I scheduled that in myself. Don't stress. And he was like, well well, what's going on? I'm like, look. If I had to put money on it, I reckon he's gonna tell me he's retired. Yeah. Well, I I pulled the pin on work. I haven't retired. I might go back to work. Yeah. I gotta I gotta get myself to work out what I wanna do because I'm in a bit of a piggle do piggle do at the moment.","start_word":1654,"end_word":1945,"sentiment":"neutral","sentiment_score":-0.04679738730192184},{"text":"Looking after grandkids, cooking at home, doing this around home. Very enjoyable.","start_word":1946,"end_word":1957,"sentiment":"positive","sentiment_score":0.5904105305671692},{"text":"I'm not under the pressure. But it Yep. might come to time in three or four months.","start_word":1958,"end_word":1974,"sentiment":"neutral","sentiment_score":0.1695285141468048},{"text":"So I'm be nice to go back to work just doing something.","start_word":1975,"end_word":1986,"sentiment":"positive","sentiment_score":0.3943554162979126},{"text":"Yep. At the moment, you are technically labeled as retired, though. Yeah. And Yes. if you choose to reenter the workforce, that's the choice that you have available. But right Yep. now, you're retired. Yep. So Exactly. the biggest question is, I guess, do I need to consider, like, immediate income for you or because you've received a lump sum, you're quite comfortable at the moment? We are quite comfortable at the moment. Okay. Not going on massive holidays and spending bits on cars. That has all been done in the past. Yep. Fine. It's No. just That's day okay. to day living and paying them all with at the moment. There Okay. is money in the bank. We can pay that off if we need to, but that's see, we were in two to three months' time. Yes. Yeah. Nope. That's okay. Well, you guys have given me everything now anyway Yeah. That with that budget plan was a bit difficult because we'd actually included the investment property, and we were in a deficit. But yeah. when we took it out, it was it's looking after itself, I think. The rent Yeah. covers the mortgage. There might be a little bit I goes in, but not a great deal. We have we're $25,000 a year out. We can't be. know. Sometimes it'd be a pain to do it. No. That's okay. I had a look at that. I I I saw that there were that was that was there. So, no, I I I started going through all the documents and laying them all out. Yep. And then, like, I've been looking at them as Helen's been sending them to me. And then when she emailed to say that you want to talk, I was like, oh, I'm just gonna put everything down for a second just in case I'm gonna get this huge curve ball, and then we'll go from there. But it it's not really that big of a curve ball. It's okay. I will continue breaking down everything that I need No. to break down, Yep. And and all all I really need from you, which I can I can send you in an email so you don't have to remember, is just basically that Final place the it? And yeah? I've If I can have I've you actually got it on my calendar. Once I get it, I've gotta send it to you. I gotta send it to my tax adviser as well.","start_word":1987,"end_word":2404,"sentiment":"neutral","sentiment_score":0.00843195992847236},{"text":"perfect.","start_word":2405,"end_word":2405,"sentiment":"positive","sentiment_score":0.41469672322273254},{"text":"Oh, yeah. Yeah. We can. Yeah. Absolutely. Yep. Yep. Yeah. Yeah. So yeah. If I can have that and any Yep. of the correspondence that they've provided you in terms of your termination, Yep. that just lets me do what I need to do to calculate Okay. what we can do from a tax perspective this year. Yep.","start_word":2406,"end_word":2463,"sentiment":"neutral","sentiment_score":0.08247830718755722},{"text":"Perfect.","start_word":2464,"end_word":2464,"sentiment":"positive","sentiment_score":0.4259243607521057},{"text":"Okay.","start_word":2465,"end_word":2465,"sentiment":"neutral","sentiment_score":0.2743608355522156},{"text":"Yeah. That's nice and easy. Awesome. Just adds an adds another layer, but nothing too difficult.","start_word":2466,"end_word":2481,"sentiment":"positive","sentiment_score":0.5096700191497803},{"text":"No. I was telling him said Helen said if you got it if if we have a push comes to shove and you've gotta go back to work, you can go back to work. He's not down back to work for me. No. No. And right now, you get to enjoy the grandkids and Yeah. spend time with them, do Yeah. something for the family. So I was telling him, said, well, you've done everything you could while you were working to get the kids where they are, and now it's your time to appreciate what you've created, spend time with your grandkids. Was Absolutely. it all fair? Yeah. Yeah. Absolutely. And I it's I I speak to a lot of clients and, like, I I guess, my own like, I have I have kids that, you Yep. know, young and but teenagers. Yep. And I, you know, I I watch how my mother is with my kids. And I sit there and I'm like, that's not how you were with me and my siblings. And she's like, Mhmm. no. Because when you're raising your kids, you're in in the thick of it. You're living, you're working, you're surviving. And then, you know, now you get to kinda slow down.","start_word":2482,"end_word":2691,"sentiment":"neutral","sentiment_score":0.1162171758711338},{"text":"You really get to enjoy Yes, ma'am.","start_word":2692,"end_word":2698,"sentiment":"positive","sentiment_score":0.5321276783943176},{"text":"what That's exactly raising right. what raising a child is about Yeah.","start_word":2699,"end_word":2710,"sentiment":"neutral","sentiment_score":0.26693740487098694},{"text":"and get to experience the the the nuance, the the the enjoyment of all those little intricacies that children bring, the quirky Yes.","start_word":2711,"end_word":2733,"sentiment":"positive","sentiment_score":0.47812631726264954},{"text":"things. Yeah. Yeah. Because I I didn't see a lot of that with when I was I was with working. Always working. So I didn't see a great deal of them.","start_word":2734,"end_word":2764,"sentiment":"neutral","sentiment_score":0.07003381848335266},{"text":"And now I get to see it with the grandkids. I mean, my kids actually enjoy it actually because, you know, I teach teaching the grandkids Yep. things that I taught them, which is good.","start_word":2765,"end_word":2799,"sentiment":"positive","sentiment_score":0.38475939631462097},{"text":"Yeah. Yeah. You're still going you're going to relive relive those moments that you really got to enjoy and then experience Yeah. some of the things that you may have missed because you're Yes. working. Definitely. And I'm Definitely. I'm right there with you with it. I Okay. all the time.","start_word":2800,"end_word":2850,"sentiment":"neutral","sentiment_score":0.22287556529045105},{"text":"All Well, good. you go and you go and finish cooking dinner for the kids, Yep. and Awesome. I'll flick you an email. That way, it reminds me.","start_word":2851,"end_word":2878,"sentiment":"positive","sentiment_score":0.4417634606361389},{"text":"I'll have it on your notes anyway, and you have somewhere to email and a secondary point. And, yeah, when you get it, send it through, and I'll keep on cracking Yeah. on with what I'm doing on this side. No worries.","start_word":2879,"end_word":2920,"sentiment":"neutral","sentiment_score":0.27751258157548453},{"text":"Thank you very much, Melissa.","start_word":2921,"end_word":2925,"sentiment":"positive","sentiment_score":0.7545149922370911},{"text":"No.","start_word":2926,"end_word":2926,"sentiment":"neutral","sentiment_score":0.14045125246047974},{"text":"Always, Paul. My pleasure. You have Thank a good you. night. And you have a great day.","start_word":2927,"end_word":2943,"sentiment":"positive","sentiment_score":0.6182510852813721},{"text":"Bye bye. Bye bye. Bye. Bye.","start_word":2944,"end_word":2949,"sentiment":"neutral","sentiment_score":0.19239410758018496}],"average":{"sentiment":"neutral","sentiment_score":0.012200328994732832}}}}