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It sounds like you're running or walking at the moment. Is everything alright? No. You're fine. Oh, that no. That's okay. Look. I did have you booked I did have you booked in to go to your annual you're right. I had you booked in to go to your annual review and, obviously, talk about the statement of advice that we were looking to provide for you. But if you're a few sisters, did you want me to make it at a more suitable time? That way you can kinda focus on family. Are you sure? Yes. Oh, good. Oh, fantastic. Erin, I did send through some annual review documents to you as well just to go to have a look at. Do if you don't have access to emails, that's okay. But do you have access to emails at the moment? Yep. Perfect. Excellent. Before we jump into the call moving forward, just have to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that? Fantastic. And I'll just do a really quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Sorry, Erin. Can you hear me? Yeah. All good. I thought it would drop down. I wasn't really sure. That's okay. You're fine. No. Yeah. All good. So sorry. I just didn't get the answers to the question. Just wanna confirm you're okay with us recording the call for training and quality purposes. Yeah. Beautiful. That's absolutely fine. And just a quick security check, I just need to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Perfect. Excellent. Now with the advice piece, I haven't sent that through. I was gonna send it through as a separate document. That was kind of in relation to our last conversation where you wanted to look at maybe investing the money in your child's account to be able to kind of build and grow over time. Are you still wanting to look at doing that, or are you wanting to hold off just because I know you guys are about to have another baby? It has been tough. Yeah. Yeah. Yeah. That's okay. That's alright. That's okay. Look, I did come up with an option. So that it was looking at an investment, but, obviously, with the hesitation because, obviously, having a look at things is super has been a little bit stagnant this year, and I kinda wanted to go that through that with you as well. I don't mind if you wanna just hold off on the child investment and you just, you know, wait till you have your second child and we maybe reassess down the track. Did you feel more comfortable doing that? Or Yeah. Yeah. That's fine. That's not a problem. I had that up, and I was like, I'll just double check with how you're feeling first up because I know markets are volatile. They do go up and down, and it is completely normal to do so, and you are more in that high growth environment there. But I wanted to kinda do the annual review with you at least and see how you were feeling. And, look, there's all the advice we do provide is just advice. You don't have to take it. It's more just, you know, giving you the option there. So we can just pause that child's investment for the time being. Let things maybe settle a bit with where everything is for you guys, and then we can always reevaluate it down the track in a bit more time. Does that sound comfortable for you? Or Yep. Beautiful. Excellent. Yeah. Yeah. Wow. Yeah. Yes. Yep. Yeah. Because you guys were gonna be basically debt free. Yeah. Oh, fantastic. Excellent. Well, let's sort of run through things and see where everything's changed. Now you mentioned that you've got some inheritance from your dad. Roughly, how much have you inherited from that one? 50,000? Lovely. And is it just sitting in a bank account at the moment? Yep. All good. Is it sitting in, like, an offset account for one of your like, for one of the properties, or is it just like a savings account? K. Yep. Okay. Okay. Yeah. No. That's okay. That's not a problem at all. So that's about to settle. Are you wanting to maybe look at maybe splitting up that inheritance and maybe putting some of it into super to kind of provide greater benefit towards your retirement goals, or are you sort of wanting to be able to use the money in the shorter term? Yep. Yeah. Mhmm. That is correct. That is the yeah. You're fine. Yep. Yeah. Perfect. Yeah. Yeah. Absolutely. So, look, honestly, just with the kind of with what I'm hearing in the conversation, it sounds to me like putting the money into super is not preferable as yet. Maybe having that money sitting in a savings account or maybe your offset account when you this loan settles allows you to maybe offset some of the interest you would be paying on that commercial property. But then, also, you do have access to it in the shorter term when it comes to kids things. I mean, I've got three kids myself. Dental work is by no means cheap. So we I'm hoping not to go down that route with that stuff. Oh, I know. You know what? The Invisalign stuff, they told me it would be one round, and we went through it, and it was about 6 to 7,000. And then they we we got to the second the end of it, and they're like, yeah. So round two. And I was like, no. No. You said one round. Like, what if, like, $14 would have been braces, they would have been done. Like, it was insane. Yep. Yeah. Absolutely. Absolutely. Absolutely. And it cost a fortune, like, honestly. So, no, honestly, keeping it with the end of general advice based on it right now, but it does seem to me, like, with your goals and with where things are at the moment, it would just be best to keep it in that offset account when the loan settles, the bank account as a bit of a buffer for you guys as well. Because, I mean, if something happens and you need a bit of extra cash, you know, you know, we have rates coming up at the end this year as well. Insurance has never seen stop. What to do? Yeah. Yeah. Yeah. No. Honestly, that's absolutely fine. And we tend to be when we're looking at investments in our own name aside from super super, we can be a bit more aggressive in because we physically can't touch it. We're not allowed to touch it until, at this point, the age of 60 and we retire. So we can be a bit more aggressive with those with some investments. And we know, you know, super, as I said, has been a bit stagnant this year. I know looking at the portfolio report that I have here, I've got one in your email there, which essentially is the July 10 last year to the July 9 this year, which is when we essentially did the documents up. And the total the total gross gross was 0.45%. Net after fees was 1.64%. So it is down this year. We do fully expect that that that does happen, and it is basically a lot of it because of the ups and downs the market has definitely seen. And even with your balance, it's over 100 k at the moment. So it has gone up since our last review, which is great to see, but then it's had a little bit of a pullback. And with a a high growth environment, which is where you are, you are taking a more risk by having 90% in those growth investments. So thinking things like Australian shares, international shares, commodities, and listed property there as well. So you are taking a more risk in that sort of area. So we do expect essentially a negative return. Roughly about one in every sort of five years is in expectation there, But it's also a point where in those downtimes, taking advantage of those downtimes as well to keep your contributions going in when you can so that you buy into the investors when they are seeking a downtime. You're buying into a discounted investment opportunity. And then as the portfolio comes out and recovers from that point of time, it isn't you know, you do see a bit of growth there. I'm not sure if you remember as well. We would have also sent an email a few months back. It was a record of advice just noting an investment, which we were completing. Do you remember getting something? If you don't, that's okay. You alright? That's okay. Not sure. That's okay. Yeah. No. That's okay. That's not a problem at all. Yeah. No. No. You're fine. Please don't ever apologize. You're all good. Essentially, what I just wanted to explain was we did make it a bit of an investment switch in the last few months there. So you did originally have Ben along Australian equities in your portfolio, and it was meant to be more of an actively managed fund. So the fund manager is attempting to buy and sell in a more, you know, tax advantage way for themselves. They're meant to taking advantage of market ups and downs and trying to outperform against the market. Unfortunately, active managers don't always do that, and then along hasn't been able to do so this year. They've had some underlying issues there. So that investment was also down, which was having a bit of an effect on your portfolio as well as the other the the global aspect with the America and the Iran war. So we actually did take a second. We had a look. The investment committee looked at everything and decided it was not worth keeping Ben along in there. It was dragging portfolios down. So we actually have removed that from your portfolio, and we swapped it out with the BetaShares a 200. So when you are looking at your super there and if you've got the email with the and the review documents, the attachment on the first page is the asset performance detail report if you wanted to look at it. If you don't, you can tell me no. Yeah. Because have yeah. Well, no. Look. It was a really good decision to move it out. So Banda Long had been underperforming, and we don't want you to be an investment that are underperforming. So, realistically, we've moved you into the a 200, which more is a passively managed and attracts the top 200 companies on the ASF. It's actually giving you greater diversification, which helps to lower the overall risk of your portfolio. Because Bannalong only held anywhere between 15 to 25 different investments in their portfolio depending on what they're invested in. So by moving you out of Bannalong and into the a 200, you're now getting exposure to the top 200 companies. It does help to reduce the overall risk with diversification and also concentrated with based on one asset manager because we're not we're essentially, you know, looking at the top 200 companies. There is a bit of a criteria for those companies to be in the top 200. And if a company doesn't meet that criteria, they are moved out. And then, obviously, these investments that are tracking that, they do make the change as well. So you are always tracking the top 200 companies. It's helping to, you know, alleviate overall risk, and we just wanna sort of watch things to make sure it comes out and does provide a bit more growth there for you. So I'll definitely be watching this over the next few months. I was sort of looking at whether because Netwealth is one not a bad platform in any way, shape, or form. I could look at maybe moving you out of Netwealth and maybe updating your portfolio. Did you want me to go back? I've had a bit of a look at things prior to the call. There are some changes that we could definitely make. Maybe you look at rebalancing your portfolio, maybe look at the other investments you do have in the portfolio there, and maybe look at updating things for you. Would you like me to do that as well? Yeah. Yeah. Yep. In a different platform. Yeah. Yeah. Absolutely. You are. You're so young. Yeah. Yeah. Yeah. Absolutely. And that's generally the way we wanna do it. So we wanna start off now taking on a bit more risk, allowing, you know, having this as much as we know where the downtimes are going to happen is a part of investing. But taking on a bit more risk now does mean that whilst you are young, whilst you can't touch your sleep, or while you do have that time horizon ahead of you, you do have the opportunity to get on greater gains when the market is doing really well. Admittedly, we will see the fallback like we have some of this year, but allowing yourself to go through those, continue contributing through, you do obviously benefit greater from that. The high growth sort of environment does suit someone who has about eight years before ask accessing their super. So generally speaking, about eight years out, we wanna kinda pull that back a little bit. We can even do so more, like, a lot closer if you prefer. Some people kinda get to ten years out and go, hey. I kinda just wanna drop it back a bit now. But we won't sort of do a drastic change. I like to sort of step things down gradually. So you're sort of reducing your risk level by about 10% at a time. That way, it's not a huge drastic change. You start doing gradually, so you're moving down in segments. So you kinda keep it working harder as long as possible, but gradually reduce that risk level down a little bit. But we will kind of get to that point when you're much older and much closer. Yeah. And like you as I said, you're happy to take on a bit more risk now, but it doesn't alleviate. There can be times where you hear what's happening in the news. It's everywhere, all over Facebook, and everything is the same post, and it can cause a little bit of panic. So if you hear those sorts of things, Erin, give me a call. More than happy to talk you through them, let you know what's going on, and more than happy to reevaluate, you know, your investments and risk level at any time. Even though we have kind of made that change within Netwealth, I will go back and just reevaluate the portfolio for you. I can reevaluate Netwealth against other platforms as well to see if something is a bit cheaper. We do also consider the CDT consequences. So just like you, your super fund does a tax return every year. So any restructuring or buying and selling of an investment does have taxation consequences. So I'll review the taxation consequences against the moving and against the switching to see whether it is okay to maybe move out of Netwealth now or whether we should hold off and just retain and what that looks like for you. Is that okay? Yeah? Beautiful. Excellent. Let's review that. And you mentioned you're happy to stay in that high growth environment with that ninety ten split between growth and defensive assets. Did you wanna reevaluate that at all or that's okay? Yep. That's okay. Beautiful. Excellent. Just giving you an update on your balance as well. So as of the July 10 there, your balance is a 105,322 and $80.82 cents there. I'm just looking to see if Netwealth won't log me out. I can grab you today's balance because it has been a few days since. Sorry. Won't be one second. There we go. The balance is little bit of a dip out in the market here at the moment. So you are at $104,006.41 and 72¢. So a little bit of a pullback. But, as I said, I'll go back and definitely review everything for you. We'll come back and do an advice document that outlines what we recommend for your super, what the investments recommend, the advantages, the disadvantages, the risks, the CGT consequences, and how that looks for you projected over the next sort of ten years. How does that sound? Yeah. Beautiful. All good. And, look, all of that's part of our services as advisers is to update the advice and be changing the investments as we need to as we speak to you as well. So there is no additional cost for our recommendations. I will provide the recommendations to you, and you get to decide whether you're happy to take them or not. There's no obligation whatsoever. And it's all part of the ongoing service agreement that you you know, it's all part of our ongoing services as well. Alright? Excellent. Just to update a few other details here. Now I do also have your insurances there. So at the moment, having a look, you've got your life and TBD cover there. The current sum insured is $678,005.65. That's for both life and TBD. The amount of the premiums that you pay for this year from the super fund was $436.15, which is fantastic. On this summary, you will see the $4.88 29 figure. Essentially, the $4.88 is how much the fund or TAO have received for the premiums, but you get a bit of a rebate on them. So you actually pay a little bit less out of your super fund, and you get a 15 percent discount, which is kind of nice. In the event I know you guys own your main primary residence outright, and you're going to sort of have that loan. You said about 70 to 80,000 owing on that commercial property in Roma there as well. Is there anything is there anything else that you sort of wanted to cover, like, in the event and I hate sort of going down this route. Like, in the event of you passing away, is it just sort of paying out the debts and then providing the rest to Jack? What's kind of important to you? What did you wanna have that money cover? Yeah. Okay. I love it. Fan yep. Fantastic. Oh, beautiful. Yeah. Yeah. Oh, that's really good. I'm so glad you've done that. That's fantastic. It it's a big relief. Can it yeah. I got you, Erin. You came back. It's all good. No. You're fine. No. Look. Honestly, really happy you've done that. With your beneficiaries on your life cover and your super, you've got them currently nominated. So in the event of you passing your life cover and super is paid to Jack so he can obviously look after the family, pay down whatever debt there, and keep looking after the kids moving forward. You're happy with how they're structured? Beautiful. And you're happy with the life and TPD cover that you have at the moment? You didn't wanna sort of not yep. Yeah. Excellent. All good. You don't have any income protection. I know you are, you know, about to have another baby. When's the baby due? Oh my gosh. It it'll go fast. A newborn and a toddler. Absolutely. No. All good. Obviously, with having a new baby, income protection is able to be obtained whilst you are working. When you're on maternity leave and in the third trimester, it is harder to sort of obtain. But in the event that you aren't able to work with your financial situation, you guys are pretty, as you said, financially stable. Does Jack's income cover, you know, any ongoing or, you know, bills that would need to be covered, or would you need to have that be okay? Yep. Yep. Yep. Yep. Yep. No. That's okay. That's absolutely fine. I mean, honestly, you're you just staying there and being their wife and their mom, that is a 150% worth protecting. You are more valuable than the money you bring in. Absolutely. No. That's perfect. And, obviously, there are other types of insurance that you can obtain outside of super things like trauma, child trauma. So you can also get trauma policies to cover your kids in the event that they are diagnosed with major traumatic conditions. Normally, the stock those is about the age of two. And you can also get child investments. So the other thing we sort of wanted to you know, we were talking about was when you have this secondary child, there are other child investments out there, like, you know, child bonds where you can be putting your money money away for their future to be transferred to them at a certain life event, say, 25 or 18 to help them buy a house down the track or if you wanted to put money away for, you know, private school fees or things like that down the track, you can do so. Child bonds, when you kinda get to that point, we can have that conversation, look at how to invest money for your kids in the future. But with, like, trauma and child trauma and things, are you wanting to look at getting anything additional? You're happy to just not pay anything out of pocket? A bit more? Yeah. That was kind of the recommendation with what to do with the money was to sort of put it into, like, a child investment bond. It works very similar to, like, an investment account, very similar to your super. The main sort of difference is that that, like, with investments in your own name, you have to account for the income and the growth as part of your tax return. With child investment bonds, they are more of an insurance product. So you're putting the money into the investment, and you can start with as little as a thousand dollars. And you just need to be able to make regular contributions in on a regular basis. Normally, you can put in more each year about a 125 more than the previous year's contributions to keep continuously growing over time. And you haven't invested in investments the same as you see for any other investment account. But it's all sort of because it's all in this sort of bond structure, this trust structure, you actually don't have to account for any of the growth or the income in your own personal tax return. It's sort of sheltered for the child, and you'd have to set up one for each individual child. But it's a great way to shelter money for the kids to grow investments in their name without them having to suffer tax consequences of having an investment in their own name. They don't have to have a tax phone number or anything like that, and it doesn't affect your personal tax return either, and it's a great way to build investments. So when baby number two comes along and you guys have had a bit more of a chat, talk about it. Let me know. I'm happy to. Even if next year, you guys wanted to have the annual review together, we could talk about how your supers are going together, look at what's happening as a a, you know, future goals for the two of you, and talk about what we can definitely do with you guys if you're comfortable to do so. Yeah. Yeah. Yeah. Absolutely. Yeah. Yeah. Absolutely. I know with my kids, I always think they're 19 and well, my oldest two are 19 and 20. My youngest is only 10, but I look at how much growth my property has made, and I love that. But I also am quite scared of what it's gonna look like for our kids when they get old enough to buy a property or want to buy a property, and I go, how are you gonna do this? It's insane. Yeah. The bank of mom and dad is coming back. Wow. Yeah. It's only gonna become more prevalent, I reckon. It's pretty insane. Yeah. Just to kinda update any other details here, so you've got the new commercial property. When is that due to settle? Do you know? Yep. Okay. Perfect. And we should owe roughly about 70 to 80,000 on that one. What's the rough valuation of that, do you think? That's okay. Okay. Okay. Yeah. That's okay. Yeah. No. That's absolutely fine. Not a problem at all. And you got another ninety days before that settles. Easy. You've got your main primary residence there. Now I know that was originally you sold off your what was your PBR last year, and you've bought this new property, which is now your main primary residence. Asset value we had on that was about 1,200,000. What do you estimate that might be worth now? Yeah. Yep. It is. Yeah. Okay. Two different prices. Yeah. Absolutely. No. All good. And you still don't have any loans on that one. That was all paid out. That was correct, wasn't it? Yep. Beautiful. We also have down your 2023 Prado, a value of 63,000 approximately. Would you value it the same or maybe decrease slightly? The depreciation? You're fine. Yeah. I honestly reckon you could get close to 60 because they are still really, really popular. Yeah. That's okay. We we reckon 50 eight, '59, or '55. What do you reckon? Yep. 50 5. We did have about 12,000 in personal savings last year. I know you are inheriting or you've got that 50,000 as well. Would that be how much do you have in the savings at the moment total? Sorry. 55. Beautiful. Excellent. And contents, we had that. You did about 80,000. Would you sort of change that at all with everything you're now purchasing for baby number two? Yeah. That's okay. You're good. You probably got most of the things from your other from Angus and maybe updating all his stuff. Is that how it's working at the moment? Yes. Oh, so cute. So you don't know what you're having yet? Yeah. No. That's okay. That's absolutely fine. Any other cars, boats, or caravans, or investors that we maybe need to note down at all? Sorry, Erin. I think I lost you. Hello? Erin, can you hear me? I've got you back. You're fine. You're absolutely fine, honestly. I promise, Wendy, you'll be done. You're no. All good. There is there anything else that you would note down asset wise? No. That's okay. Income wise, we had you on about a 130,000 last year. Are you still averaging the same, or is that kinda dropped back a little bit? Yep. Yep. Okay. Perfect. 40 thousand. And contributions in the so far, I can see them going in. It's not really loading for me at the moment, but you were just doing initially $50 per week. Are you still doing it that way, or is it being yep. The 12%. Yeah. Yep. Beautiful. Excellent. And you're working through his company now. So because we originally had you down as a physio, are you still working as a physio, or is the oldest under his company admin? Yeah. Okay. Yep. Yep. So, obviously, Jack's company is kind of the parent company, and you're underneath that banner, and you work under him. Yep. Beautiful. That's absolutely fine. I'll note down here about to have a second baby. So that's another change coming along there for you. I've got down here with regard to your goals. You're still quite young, but are we still with regard to super just sort of hoping to retire by the age of 60, maybe income of around 70,000 per annum between yourself and Jack? Is that still what I'm sort of looking tracking towards retirement wise? Sorry, Erin. I got you back. It's all good. Yes. 60. 60. Yes. Yep. Hopefully, you don't have to work longer. Yeah. Absolutely. No. All good. I've the last goal we had here was about selling your last main primary residence and being able to move into the new property that you guys have built. So that's all being done, which is great. With this coming in December, any new kind of financial goals or any goals that you both have over the next few years that you'd like to note down? Yes. Yep. Yeah. Yep. Yeah. Beautiful. Yeah. Oh, absolutely. Yeah. Yeah. Yep. Yeah. And are you wanting to you guys planning to sort of keep that long term into retirement to supplement income from super, or do you think you'll probably sell that down the track? Yep. Yep. Yes. Yes. Absolutely. Oh, fantastic. Yeah. Absolutely. Fantastic. Well, thank you so much for updating those details. So just to kind of recap, I'll go that's alright. I'll go back and review your suit for the investments, look at how everything's been working. I'll update some advice for you. I'll just retain your insurances as they are, not looking to get any new cover with income protection or trauma. I'll scope those out for now. We can always come back and review those down the track there. Inside that email, you've got those documents that went through giving you your balance and your performance there. I'm always open to let you know when something isn't you're tracking well. When there is a downtime, I'll stand forefront and go, look. It is a downtime. Right now, it is what it is. We don't like it, but it is here. So we just kind of, you know, track forward and see how we are going. I'll update the advice to reflect for you, and we do also have the financial services guide in that email and also your ongoing service agreement as well. So you do pay the ongoing service fee for our services. It is 1.65% per annum and is deducting smaller monthly increments from your super debt. So if you're happy to stay on board for another year and want me to do the advice, I'll get you to sign a return that fast. But feel free to have a look through those documents there. And if you find you have any other questions or if there's something I haven't touched on, let me know. We can always come back and check again. Okay. Excellent. Not a problem. Anytime. You have a great afternoon with your kids. Good luck. I will definitely talk to you before Bob comes along, but I'm very excited for you guys. Oh, good. Yeah. Well done. I'll talk to you in a couple of weeks. Thank you so much, Erin. Talk to you soon. See you later. 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Erin. It's Dana from Oakey Financial. How are you this afternoon? Oh, I'm good. Thanks.\n\nHow are you? Can you hear me okay? Oh, Ben. You're alright. Yeah.\n\nI can. Absolutely. It sounds like you're running or walking at the moment. Is everything alright? No.\n\nYou're fine. Oh, that no. That's okay. Look. I did have you booked I did have you booked in to go to your annual you're right.\n\nI had you booked in to go to your annual review and, obviously, talk about the statement of advice that we were looking to provide for you. But if you're a few sisters, did you want me to make it at a more suitable time? That way you can kinda focus on family. Are you sure? Yes.\n\nOh, good. Oh, fantastic. Erin, I did send through some annual review documents to you as well just to go to have a look at. Do if you don't have access to emails, that's okay. But do you have access to emails at the moment?\n\nYep. Perfect. Excellent. Before we jump into the call moving forward, just have to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that?\n\nFantastic. And I'll just do a really quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Sorry, Erin. Can you hear me? Yeah.\n\nAll good. I thought it would drop down. I wasn't really sure. That's okay. You're fine.\n\nNo. Yeah. All good. So sorry. I just didn't get the answers to the question.\n\nJust wanna confirm you're okay with us recording the call for training and quality purposes. Yeah. Beautiful. That's absolutely fine. And just a quick security check, I just need to confirm your full name, your date of birth, and address I should have on file.\n\nYep. Yep. Perfect. Excellent. Now with the advice piece, I haven't sent that through.\n\nI was gonna send it through as a separate document. That was kind of in relation to our last conversation where you wanted to look at maybe investing the money in your child's account to be able to kind of build and grow over time. Are you still wanting to look at doing that, or are you wanting to hold off just because I know you guys are about to have another baby? It has been tough. Yeah.\n\nYeah. Yeah. That's okay. That's alright. That's okay.\n\nLook, I did come up with an option. So that it was looking at an investment, but, obviously, with the hesitation because, obviously, having a look at things is super has been a little bit stagnant this year, and I kinda wanted to go that through that with you as well. I don't mind if you wanna just hold off on the child investment and you just, you know, wait till you have your second child and we maybe reassess down the track. Did you feel more comfortable doing that? Or Yeah.\n\nYeah. That's fine. That's not a problem. I had that up, and I was like, I'll just double check with how you're feeling first up because I know markets are volatile. They do go up and down, and it is completely normal to do so, and you are more in that high growth environment there.\n\nBut I wanted to kinda do the annual review with you at least and see how you were feeling. And, look, there's all the advice we do provide is just advice. You don't have to take it. It's more just, you know, giving you the option there. So we can just pause that child's investment for the time being.\n\nLet things maybe settle a bit with where everything is for you guys, and then we can always reevaluate it down the track in a bit more time. Does that sound comfortable for you? Or Yep. Beautiful. Excellent.\n\nYeah. Yeah. Wow. Yeah. Yes.\n\nYep. Yeah. Because you guys were gonna be basically debt free. Yeah. Oh, fantastic.\n\nExcellent. Well, let's sort of run through things and see where everything's changed. Now you mentioned that you've got some inheritance from your dad. Roughly, how much have you inherited from that one? 50,000?\n\nLovely. And is it just sitting in a bank account at the moment? Yep. All good. Is it sitting in, like, an offset account for one of your like, for one of the properties, or is it just like a savings account?\n\nK. Yep. Okay. Okay. Yeah.\n\nNo. That's okay. That's not a problem at all. So that's about to settle. Are you wanting to maybe look at maybe splitting up that inheritance and maybe putting some of it into super to kind of provide greater benefit towards your retirement goals, or are you sort of wanting to be able to use the money in the shorter term?\n\nYep. Yeah. Mhmm. That is correct. That is the yeah.\n\nYou're fine. Yep. Yeah. Perfect. Yeah.\n\nYeah. Absolutely. So, look, honestly, just with the kind of with what I'm hearing in the conversation, it sounds to me like putting the money into super is not preferable as yet. Maybe having that money sitting in a savings account or maybe your offset account when you this loan settles allows you to maybe offset some of the interest you would be paying on that commercial property. But then, also, you do have access to it in the shorter term when it comes to kids things.\n\nI mean, I've got three kids myself. Dental work is by no means cheap. So we I'm hoping not to go down that route with that stuff. Oh, I know. You know what?\n\nThe Invisalign stuff, they told me it would be one round, and we went through it, and it was about 6 to 7,000. And then they we we got to the second the end of it, and they're like, yeah. So round two. And I was like, no. No.\n\nYou said one round. Like, what if, like, $14 would have been braces, they would have been done. Like, it was insane. Yep. Yeah.\n\nAbsolutely. Absolutely. Absolutely. And it cost a fortune, like, honestly. So, no, honestly, keeping it with the end of general advice based on it right now, but it does seem to me, like, with your goals and with where things are at the moment, it would just be best to keep it in that offset account when the loan settles, the bank account as a bit of a buffer for you guys as well.\n\nBecause, I mean, if something happens and you need a bit of extra cash, you know, you know, we have rates coming up at the end this year as well. Insurance has never seen stop. What to do? Yeah. Yeah.\n\nYeah. No. Honestly, that's absolutely fine. And we tend to be when we're looking at investments in our own name aside from super super, we can be a bit more aggressive in because we physically can't touch it. We're not allowed to touch it until, at this point, the age of 60 and we retire.\n\nSo we can be a bit more aggressive with those with some investments. And we know, you know, super, as I said, has been a bit stagnant this year. I know looking at the portfolio report that I have here, I've got one in your email there, which essentially is the July 10 last year to the July 9 this year, which is when we essentially did the documents up. And the total the total gross gross was 0.45%. Net after fees was 1.64%.\n\nSo it is down this year. We do fully expect that that that does happen, and it is basically a lot of it because of the ups and downs the market has definitely seen. And even with your balance, it's over 100 k at the moment. So it has gone up since our last review, which is great to see, but then it's had a little bit of a pullback. And with a a high growth environment, which is where you are, you are taking a more risk by having 90% in those growth investments.\n\nSo thinking things like Australian shares, international shares, commodities, and listed property there as well. So you are taking a more risk in that sort of area. So we do expect essentially a negative return. Roughly about one in every sort of five years is in expectation there, But it's also a point where in those downtimes, taking advantage of those downtimes as well to keep your contributions going in when you can so that you buy into the investors when they are seeking a downtime. You're buying into a discounted investment opportunity.\n\nAnd then as the portfolio comes out and recovers from that point of time, it isn't you know, you do see a bit of growth there. I'm not sure if you remember as well. We would have also sent an email a few months back. It was a record of advice just noting an investment, which we were completing. Do you remember getting something?\n\nIf you don't, that's okay. You alright? That's okay. Not sure. That's okay.\n\nYeah. No. That's okay. That's not a problem at all. Yeah.\n\nNo. No. You're fine. Please don't ever apologize. You're all good.\n\nEssentially, what I just wanted to explain was we did make it a bit of an investment switch in the last few months there. So you did originally have Ben along Australian equities in your portfolio, and it was meant to be more of an actively managed fund. So the fund manager is attempting to buy and sell in a more, you know, tax advantage way for themselves. They're meant to taking advantage of market ups and downs and trying to outperform against the market. Unfortunately, active managers don't always do that, and then along hasn't been able to do so this year.\n\nThey've had some underlying issues there. So that investment was also down, which was having a bit of an effect on your portfolio as well as the other the the global aspect with the America and the Iran war. So we actually did take a second. We had a look. The investment committee looked at everything and decided it was not worth keeping Ben along in there.\n\nIt was dragging portfolios down. So we actually have removed that from your portfolio, and we swapped it out with the BetaShares a 200. So when you are looking at your super there and if you've got the email with the and the review documents, the attachment on the first page is the asset performance detail report if you wanted to look at it. If you don't, you can tell me no. Yeah.\n\nBecause have yeah. Well, no. Look. It was a really good decision to move it out. So Banda Long had been underperforming, and we don't want you to be an investment that are underperforming.\n\nSo, realistically, we've moved you into the a 200, which more is a passively managed and attracts the top 200 companies on the ASF. It's actually giving you greater diversification, which helps to lower the overall risk of your portfolio. Because Bannalong only held anywhere between 15 to 25 different investments in their portfolio depending on what they're invested in. So by moving you out of Bannalong and into the a 200, you're now getting exposure to the top 200 companies. It does help to reduce the overall risk with diversification and also concentrated with based on one asset manager because we're not we're essentially, you know, looking at the top 200 companies.\n\nThere is a bit of a criteria for those companies to be in the top 200. And if a company doesn't meet that criteria, they are moved out. And then, obviously, these investments that are tracking that, they do make the change as well. So you are always tracking the top 200 companies. It's helping to, you know, alleviate overall risk, and we just wanna sort of watch things to make sure it comes out and does provide a bit more growth there for you.\n\nSo I'll definitely be watching this over the next few months. I was sort of looking at whether because Netwealth is one not a bad platform in any way, shape, or form. I could look at maybe moving you out of Netwealth and maybe updating your portfolio. Did you want me to go back? I've had a bit of a look at things prior to the call.\n\nThere are some changes that we could definitely make. Maybe you look at rebalancing your portfolio, maybe look at the other investments you do have in the portfolio there, and maybe look at updating things for you. Would you like me to do that as well? Yeah. Yeah.\n\nYep. In a different platform. Yeah. Yeah. Absolutely.\n\nYou are. You're so young. Yeah. Yeah. Yeah.\n\nAbsolutely. And that's generally the way we wanna do it. So we wanna start off now taking on a bit more risk, allowing, you know, having this as much as we know where the downtimes are going to happen is a part of investing. But taking on a bit more risk now does mean that whilst you are young, whilst you can't touch your sleep, or while you do have that time horizon ahead of you, you do have the opportunity to get on greater gains when the market is doing really well. Admittedly, we will see the fallback like we have some of this year, but allowing yourself to go through those, continue contributing through, you do obviously benefit greater from that.\n\nThe high growth sort of environment does suit someone who has about eight years before ask accessing their super. So generally speaking, about eight years out, we wanna kinda pull that back a little bit. We can even do so more, like, a lot closer if you prefer. Some people kinda get to ten years out and go, hey. I kinda just wanna drop it back a bit now.\n\nBut we won't sort of do a drastic change. I like to sort of step things down gradually. So you're sort of reducing your risk level by about 10% at a time. That way, it's not a huge drastic change. You start doing gradually, so you're moving down in segments.\n\nSo you kinda keep it working harder as long as possible, but gradually reduce that risk level down a little bit. But we will kind of get to that point when you're much older and much closer. Yeah. And like you as I said, you're happy to take on a bit more risk now, but it doesn't alleviate. There can be times where you hear what's happening in the news.\n\nIt's everywhere, all over Facebook, and everything is the same post, and it can cause a little bit of panic. So if you hear those sorts of things, Erin, give me a call. More than happy to talk you through them, let you know what's going on, and more than happy to reevaluate, you know, your investments and risk level at any time. Even though we have kind of made that change within Netwealth, I will go back and just reevaluate the portfolio for you. I can reevaluate Netwealth against other platforms as well to see if something is a bit cheaper.\n\nWe do also consider the CDT consequences. So just like you, your super fund does a tax return every year. So any restructuring or buying and selling of an investment does have taxation consequences. So I'll review the taxation consequences against the moving and against the switching to see whether it is okay to maybe move out of Netwealth now or whether we should hold off and just retain and what that looks like for you. Is that okay?\n\nYeah? Beautiful. Excellent. Let's review that. And you mentioned you're happy to stay in that high growth environment with that ninety ten split between growth and defensive assets.\n\nDid you wanna reevaluate that at all or that's okay? Yep. That's okay. Beautiful. Excellent.\n\nJust giving you an update on your balance as well. So as of the July 10 there, your balance is a 105,322 and $80.82 cents there. I'm just looking to see if Netwealth won't log me out. I can grab you today's balance because it has been a few days since. Sorry.\n\nWon't be one second. There we go. The balance is little bit of a dip out in the market here at the moment. So you are at $104,006.41 and 72¢. So a little bit of a pullback.\n\nBut, as I said, I'll go back and definitely review everything for you. We'll come back and do an advice document that outlines what we recommend for your super, what the investments recommend, the advantages, the disadvantages, the risks, the CGT consequences, and how that looks for you projected over the next sort of ten years. How does that sound? Yeah. Beautiful.\n\nAll good. And, look, all of that's part of our services as advisers is to update the advice and be changing the investments as we need to as we speak to you as well. So there is no additional cost for our recommendations. I will provide the recommendations to you, and you get to decide whether you're happy to take them or not. There's no obligation whatsoever.\n\nAnd it's all part of the ongoing service agreement that you you know, it's all part of our ongoing services as well. Alright? Excellent. Just to update a few other details here. Now I do also have your insurances there.\n\nSo at the moment, having a look, you've got your life and TBD cover there. The current sum insured is $678,005.65. That's for both life and TBD. The amount of the premiums that you pay for this year from the super fund was $436.15, which is fantastic. On this summary, you will see the $4.88 29 figure.\n\nEssentially, the $4.88 is how much the fund or TAO have received for the premiums, but you get a bit of a rebate on them. So you actually pay a little bit less out of your super fund, and you get a 15 percent discount, which is kind of nice. In the event I know you guys own your main primary residence outright, and you're going to sort of have that loan. You said about 70 to 80,000 owing on that commercial property in Roma there as well. Is there anything is there anything else that you sort of wanted to cover, like, in the event and I hate sort of going down this route.\n\nLike, in the event of you passing away, is it just sort of paying out the debts and then providing the rest to Jack? What's kind of important to you? What did you wanna have that money cover? Yeah. Okay.\n\nI love it. Fan yep. Fantastic. Oh, beautiful. Yeah.\n\nYeah. Oh, that's really good. I'm so glad you've done that. That's fantastic. It it's a big relief.\n\nCan it yeah. I got you, Erin. You came back. It's all good. No.\n\nYou're fine. No. Look. Honestly, really happy you've done that. With your beneficiaries on your life cover and your super, you've got them currently nominated.\n\nSo in the event of you passing your life cover and super is paid to Jack so he can obviously look after the family, pay down whatever debt there, and keep looking after the kids moving forward. You're happy with how they're structured? Beautiful. And you're happy with the life and TPD cover that you have at the moment? You didn't wanna sort of not yep.\n\nYeah. Excellent. All good. You don't have any income protection. I know you are, you know, about to have another baby.\n\nWhen's the baby due? Oh my gosh. It it'll go fast. A newborn and a toddler. Absolutely.\n\nNo. All good. Obviously, with having a new baby, income protection is able to be obtained whilst you are working. When you're on maternity leave and in the third trimester, it is harder to sort of obtain. But in the event that you aren't able to work with your financial situation, you guys are pretty, as you said, financially stable.\n\nDoes Jack's income cover, you know, any ongoing or, you know, bills that would need to be covered, or would you need to have that be okay? Yep. Yep. Yep. Yep.\n\nYep. No. That's okay. That's absolutely fine. I mean, honestly, you're you just staying there and being their wife and their mom, that is a 150% worth protecting.\n\nYou are more valuable than the money you bring in. Absolutely. No. That's perfect. And, obviously, there are other types of insurance that you can obtain outside of super things like trauma, child trauma.\n\nSo you can also get trauma policies to cover your kids in the event that they are diagnosed with major traumatic conditions. Normally, the stock those is about the age of two. And you can also get child investments. So the other thing we sort of wanted to you know, we were talking about was when you have this secondary child, there are other child investments out there, like, you know, child bonds where you can be putting your money money away for their future to be transferred to them at a certain life event, say, 25 or 18 to help them buy a house down the track or if you wanted to put money away for, you know, private school fees or things like that down the track, you can do so. Child bonds, when you kinda get to that point, we can have that conversation, look at how to invest money for your kids in the future.\n\nBut with, like, trauma and child trauma and things, are you wanting to look at getting anything additional? You're happy to just not pay anything out of pocket? A bit more? Yeah. That was kind of the recommendation with what to do with the money was to sort of put it into, like, a child investment bond.\n\nIt works very similar to, like, an investment account, very similar to your super. The main sort of difference is that that, like, with investments in your own name, you have to account for the income and the growth as part of your tax return. With child investment bonds, they are more of an insurance product. So you're putting the money into the investment, and you can start with as little as a thousand dollars. And you just need to be able to make regular contributions in on a regular basis.\n\nNormally, you can put in more each year about a 125 more than the previous year's contributions to keep continuously growing over time. And you haven't invested in investments the same as you see for any other investment account. But it's all sort of because it's all in this sort of bond structure, this trust structure, you actually don't have to account for any of the growth or the income in your own personal tax return. It's sort of sheltered for the child, and you'd have to set up one for each individual child. But it's a great way to shelter money for the kids to grow investments in their name without them having to suffer tax consequences of having an investment in their own name.\n\nThey don't have to have a tax phone number or anything like that, and it doesn't affect your personal tax return either, and it's a great way to build investments. So when baby number two comes along and you guys have had a bit more of a chat, talk about it. Let me know. I'm happy to. Even if next year, you guys wanted to have the annual review together, we could talk about how your supers are going together, look at what's happening as a a, you know, future goals for the two of you, and talk about what we can definitely do with you guys if you're comfortable to do so.\n\nYeah. Yeah. Yeah. Absolutely. Yeah.\n\nYeah. Absolutely. I know with my kids, I always think they're 19 and well, my oldest two are 19 and 20. My youngest is only 10, but I look at how much growth my property has made, and I love that. But I also am quite scared of what it's gonna look like for our kids when they get old enough to buy a property or want to buy a property, and I go, how are you gonna do this?\n\nIt's insane. Yeah. The bank of mom and dad is coming back. Wow. Yeah.\n\nIt's only gonna become more prevalent, I reckon. It's pretty insane. Yeah. Just to kinda update any other details here, so you've got the new commercial property. When is that due to settle?\n\nDo you know? Yep. Okay. Perfect. And we should owe roughly about 70 to 80,000 on that one.\n\nWhat's the rough valuation of that, do you think? That's okay. Okay. Okay. Yeah.\n\nThat's okay. Yeah. No. That's absolutely fine. Not a problem at all.\n\nAnd you got another ninety days before that settles. Easy. You've got your main primary residence there. Now I know that was originally you sold off your what was your PBR last year, and you've bought this new property, which is now your main primary residence. Asset value we had on that was about 1,200,000.\n\nWhat do you estimate that might be worth now? Yeah. Yep. It is. Yeah.\n\nOkay. Two different prices. Yeah. Absolutely. No.\n\nAll good. And you still don't have any loans on that one. That was all paid out. That was correct, wasn't it? Yep.\n\nBeautiful. We also have down your 2023 Prado, a value of 63,000 approximately. Would you value it the same or maybe decrease slightly? The depreciation? You're fine.\n\nYeah. I honestly reckon you could get close to 60 because they are still really, really popular. Yeah. That's okay. We we reckon 50 eight, '59, or '55.\n\nWhat do you reckon? Yep. 50 5. We did have about 12,000 in personal savings last year. I know you are inheriting or you've got that 50,000 as well.\n\nWould that be how much do you have in the savings at the moment total? Sorry. 55. Beautiful. Excellent.\n\nAnd contents, we had that. You did about 80,000. Would you sort of change that at all with everything you're now purchasing for baby number two? Yeah. That's okay.\n\nYou're good. You probably got most of the things from your other from Angus and maybe updating all his stuff. Is that how it's working at the moment? Yes. Oh, so cute.\n\nSo you don't know what you're having yet? Yeah. No. That's okay. That's absolutely fine.\n\nAny other cars, boats, or caravans, or investors that we maybe need to note down at all? Sorry, Erin. I think I lost you. Hello? Erin, can you hear me?\n\nI've got you back. You're fine. You're absolutely fine, honestly. I promise, Wendy, you'll be done. You're no.\n\nAll good. There is there anything else that you would note down asset wise? No. That's okay. Income wise, we had you on about a 130,000 last year.\n\nAre you still averaging the same, or is that kinda dropped back a little bit? Yep. Yep. Okay. Perfect.\n\n40 thousand. And contributions in the so far, I can see them going in. It's not really loading for me at the moment, but you were just doing initially $50 per week. Are you still doing it that way, or is it being yep. The 12%.\n\nYeah. Yep. Beautiful. Excellent. And you're working through his company now.\n\nSo because we originally had you down as a physio, are you still working as a physio, or is the oldest under his company admin? Yeah. Okay. Yep. Yep.\n\nSo, obviously, Jack's company is kind of the parent company, and you're underneath that banner, and you work under him. Yep. Beautiful. That's absolutely fine. I'll note down here about to have a second baby.\n\nSo that's another change coming along there for you. I've got down here with regard to your goals. You're still quite young, but are we still with regard to super just sort of hoping to retire by the age of 60, maybe income of around 70,000 per annum between yourself and Jack? Is that still what I'm sort of looking tracking towards retirement wise? Sorry, Erin.\n\nI got you back. It's all good. Yes. 60. 60.\n\nYes. Yep. Hopefully, you don't have to work longer. Yeah. Absolutely.\n\nNo. All good. I've the last goal we had here was about selling your last main primary residence and being able to move into the new property that you guys have built. So that's all being done, which is great. With this coming in December, any new kind of financial goals or any goals that you both have over the next few years that you'd like to note down?\n\nYes. Yep. Yeah. Yep. Yeah.\n\nBeautiful. Yeah. Oh, absolutely. Yeah. Yeah.\n\nYep. Yeah. And are you wanting to you guys planning to sort of keep that long term into retirement to supplement income from super, or do you think you'll probably sell that down the track? Yep. Yep.\n\nYes. Yes. Absolutely. Oh, fantastic. Yeah.\n\nAbsolutely. Fantastic. Well, thank you so much for updating those details. So just to kind of recap, I'll go that's alright. I'll go back and review your suit for the investments, look at how everything's been working.\n\nI'll update some advice for you. I'll just retain your insurances as they are, not looking to get any new cover with income protection or trauma. I'll scope those out for now. We can always come back and review those down the track there. Inside that email, you've got those documents that went through giving you your balance and your performance there.\n\nI'm always open to let you know when something isn't you're tracking well. When there is a downtime, I'll stand forefront and go, look. It is a downtime. Right now, it is what it is. We don't like it, but it is here.\n\nSo we just kind of, you know, track forward and see how we are going. I'll update the advice to reflect for you, and we do also have the financial services guide in that email and also your ongoing service agreement as well. So you do pay the ongoing service fee for our services. It is 1.65% per annum and is deducting smaller monthly increments from your super debt. So if you're happy to stay on board for another year and want me to do the advice, I'll get you to sign a return that fast.\n\nBut feel free to have a look through those documents there. And if you find you have any other questions or if there's something I haven't touched on, let me know. We can always come back and check again. Okay. Excellent.\n\nNot a problem. Anytime. You have a great afternoon with your kids. Good luck. I will definitely talk to you before Bob comes along, but I'm very excited for you guys.\n\nOh, good. Yeah. Well done. I'll talk to you in a couple of weeks. Thank you so much, Erin.\n\nTalk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Erin.","start":3.84,"end":4.48,"sentiment":"neutral","sentiment_score":0.10380294546484947},{"text":"It's Dana from Oakey Financial.","start":4.48,"end":6.0,"sentiment":"neutral","sentiment_score":0.11966885179281235},{"text":"How are you this afternoon?","start":6.0,"end":7.22,"sentiment":"neutral","sentiment_score":0.14729121178388596},{"text":"Oh, I'm good.","start":7.7599998,"end":8.559999,"sentiment":"positive","sentiment_score":0.45060672362645465},{"text":"Thanks.","start":8.559999,"end":8.88,"sentiment":"positive","sentiment_score":0.5807151794433594}],"sentiment":"neutral","sentiment_score":0.21718384744599462,"num_words":16,"start":3.84,"end":8.88},{"sentences":[{"text":"How are you?","start":8.88,"end":9.599999,"sentiment":"neutral","sentiment_score":0.262939989566803},{"text":"Can you hear me okay?","start":9.599999,"end":10.82,"sentiment":"neutral","sentiment_score":0.040321041643619535},{"text":"Oh, Ben.","start":12.799999,"end":13.7,"sentiment":"neutral","sentiment_score":0.03196709603071213},{"text":"You're alright.","start":14.415,"end":15.075001,"sentiment":"neutral","sentiment_score":0.0741469208151102},{"text":"Yeah.","start":15.295,"end":15.695001,"sentiment":"neutral","sentiment_score":0.12290199846029282}],"sentiment":"neutral","sentiment_score":0.10196578531311108,"num_words":13,"start":8.88,"end":15.695001},{"sentences":[{"text":"I can.","start":15.695001,"end":16.175001,"sentiment":"neutral","sentiment_score":0.16903767734766006},{"text":"Absolutely.","start":16.175001,"end":16.675001,"sentiment":"neutral","sentiment_score":0.3088560104370117},{"text":"It sounds like you're running or walking at the moment.","start":17.055,"end":19.475,"sentiment":"neutral","sentiment_score":0.15266479924321175},{"text":"Is everything alright?","start":19.535,"end":20.675,"sentiment":"neutral","sentiment_score":0.05589154362678528},{"text":"No.","start":32.11,"end":32.510002,"sentiment":"neutral","sentiment_score":-0.064095139503479}],"sentiment":"neutral","sentiment_score":0.13395052052596035,"num_words":17,"start":15.695001,"end":32.510002},{"sentences":[{"text":"You're fine.","start":32.510002,"end":33.41,"sentiment":"neutral","sentiment_score":0.04686184599995613},{"text":"Oh, that no.","start":33.79,"end":35.55,"sentiment":"neutral","sentiment_score":-0.0405372716486454},{"text":"That's okay.","start":35.55,"end":36.03,"sentiment":"neutral","sentiment_score":0.014503842918202281},{"text":"Look.","start":36.03,"end":36.190002,"sentiment":"neutral","sentiment_score":0.0018268488347530365},{"text":"I did have you booked I did have you booked in to go to your annual you're right.","start":36.190002,"end":41.195,"sentiment":"neutral","sentiment_score":0.025364641048428085}],"sentiment":"neutral","sentiment_score":0.01767345963833997,"num_words":26,"start":32.510002,"end":41.195},{"sentences":[{"text":"I had you booked in to go to your annual review and, obviously, talk about the statement of advice that we were looking to provide for you.","start":41.575,"end":47.415,"sentiment":"neutral","sentiment_score":0.03344024676415655},{"text":"But if you're a few sisters, did you want me to make it at a more suitable time?","start":47.415,"end":51.015,"sentiment":"neutral","sentiment_score":0.003697457412878672},{"text":"That way you can kinda focus on family.","start":51.015,"end":53.275,"sentiment":"neutral","sentiment_score":-0.011864841915667057},{"text":"Are you sure?","start":53.495,"end":54.475,"sentiment":"neutral","sentiment_score":-0.01889227827390035},{"text":"Yes.","start":60.41,"end":60.91,"sentiment":"neutral","sentiment_score":0.0537741482257843}],"sentiment":"neutral","sentiment_score":0.01529156972180333,"num_words":57,"start":41.575,"end":60.91},{"sentences":[{"text":"Oh, good.","start":61.129997,"end":61.949997,"sentiment":"neutral","sentiment_score":0.11776195466518402},{"text":"Oh, fantastic.","start":64.17,"end":64.99,"sentiment":"positive","sentiment_score":0.3676214665174484},{"text":"Erin, I did send through some annual review documents to you as well just to go to have a look at.","start":65.45,"end":70.125,"sentiment":"neutral","sentiment_score":0.10773225368133613},{"text":"Do if you don't have access to emails, that's okay.","start":70.285,"end":72.605,"sentiment":"neutral","sentiment_score":-0.00587394698522985},{"text":"But do you have access to emails at the moment?","start":72.605,"end":74.765,"sentiment":"neutral","sentiment_score":-0.02540587177500129}],"sentiment":"neutral","sentiment_score":0.06489657737935582,"num_words":45,"start":61.129997,"end":74.765},{"sentences":[{"text":"Yep.","start":74.765,"end":75.245,"sentiment":"neutral","sentiment_score":0.07162652909755707},{"text":"Perfect.","start":75.245,"end":75.745,"sentiment":"neutral","sentiment_score":0.22326499223709104},{"text":"Excellent.","start":76.605,"end":77.105,"sentiment":"positive","sentiment_score":0.4112605154514313},{"text":"Before we jump into the call moving forward, just have to let you know we do record our calls for quality and training purposes.","start":77.885,"end":82.685,"sentiment":"neutral","sentiment_score":0.17660589360942444},{"text":"Are you happy to proceed with that?","start":82.685,"end":84.545,"sentiment":"neutral","sentiment_score":0.1614027193614415}],"sentiment":"neutral","sentiment_score":0.1786621329100693,"num_words":34,"start":74.765,"end":84.545},{"sentences":[{"text":"Fantastic.","start":85.95,"end":86.43,"sentiment":"neutral","sentiment_score":0.31030115485191345},{"text":"And I'll just do a really quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":86.43,"end":93.01,"sentiment":"neutral","sentiment_score":0.044540102142960794},{"text":"Sorry, Erin.","start":112.06,"end":112.7,"sentiment":"neutral","sentiment_score":-0.029764526523649693},{"text":"Can you hear me?","start":112.7,"end":113.6,"sentiment":"neutral","sentiment_score":-0.0470080366358161},{"text":"Yeah.","start":114.86,"end":115.36,"sentiment":"neutral","sentiment_score":-0.006355795077979565}],"sentiment":"neutral","sentiment_score":0.036849418631157815,"num_words":39,"start":85.95,"end":115.36},{"sentences":[{"text":"All good.","start":115.82,"end":116.299995,"sentiment":"neutral","sentiment_score":0.09324034303426743},{"text":"I thought it would drop down.","start":116.299995,"end":117.34,"sentiment":"neutral","sentiment_score":-0.1653603216012319},{"text":"I wasn't really sure.","start":117.34,"end":118.56,"sentiment":"neutral","sentiment_score":-0.18606705591082573},{"text":"That's okay.","start":121.674995,"end":122.494995,"sentiment":"neutral","sentiment_score":-0.018557846546173096},{"text":"You're fine.","start":122.555,"end":123.295,"sentiment":"neutral","sentiment_score":-0.001756275538355113}],"sentiment":"neutral","sentiment_score":-0.09941110695945099,"num_words":16,"start":115.82,"end":123.295},{"sentences":[{"text":"No.","start":125.915,"end":126.415,"sentiment":"neutral","sentiment_score":-0.10916469991207124},{"text":"Yeah.","start":127.354996,"end":127.854996,"sentiment":"neutral","sentiment_score":0.06882680207490921},{"text":"All good.","start":129.595,"end":130.33499,"sentiment":"neutral","sentiment_score":0.17258629947900772},{"text":"So sorry.","start":130.555,"end":131.11499,"sentiment":"neutral","sentiment_score":-0.02262384630739689},{"text":"I just didn't get the answers to the question.","start":131.11499,"end":133.29999,"sentiment":"neutral","sentiment_score":-0.0785280213587814}],"sentiment":"neutral","sentiment_score":-0.029811012248198192,"num_words":15,"start":125.915,"end":133.29999},{"sentences":[{"text":"Just wanna confirm you're okay with us recording the call for training and quality purposes.","start":133.29999,"end":136.9,"sentiment":"neutral","sentiment_score":0.018185600390036902},{"text":"Yeah.","start":136.9,"end":137.06,"sentiment":"neutral","sentiment_score":0.1010253056883812},{"text":"Beautiful.","start":137.06,"end":137.56,"sentiment":"positive","sentiment_score":0.43999969959259033},{"text":"That's absolutely fine.","start":138.09999,"end":139.31999,"sentiment":"positive","sentiment_score":0.3765985171000163},{"text":"And just a quick security check, I just need to confirm your full name, your date of birth, and address I should have on file.","start":139.45999,"end":144.84,"sentiment":"neutral","sentiment_score":0.10702589809894562}],"sentiment":"neutral","sentiment_score":0.10265004477567143,"num_words":45,"start":133.29999,"end":144.84},{"sentences":[{"text":"Yep.","start":147.235,"end":147.735,"sentiment":"neutral","sentiment_score":0.03602702170610428},{"text":"Yep.","start":148.59499,"end":149.09499,"sentiment":"neutral","sentiment_score":0.16948053240776062},{"text":"Perfect.","start":149.23499,"end":149.73499,"sentiment":"positive","sentiment_score":0.5682241916656494},{"text":"Excellent.","start":150.355,"end":150.855,"sentiment":"positive","sentiment_score":0.5785986185073853},{"text":"Now with the advice piece, I haven't sent that through.","start":151.635,"end":154.11499,"sentiment":"neutral","sentiment_score":0.13415006138384342}],"sentiment":"neutral","sentiment_score":0.19241649843752384,"num_words":14,"start":147.235,"end":154.11499},{"sentences":[{"text":"I was gonna send it through as a separate document.","start":154.11499,"end":156.055,"sentiment":"neutral","sentiment_score":0.0728288620710373},{"text":"That was kind of in relation to our last conversation where you wanted to look at maybe investing the money in your child's account to be able to kind of build and grow over time.","start":156.435,"end":165.86,"sentiment":"neutral","sentiment_score":0.0995293072291783},{"text":"Are you still wanting to look at doing that, or are you wanting to hold off just because I know you guys are about to have another baby?","start":166.08,"end":171.62001,"sentiment":"neutral","sentiment_score":-0.0182789879451905},{"text":"It has been tough.","start":181.285,"end":182.58499,"sentiment":"neutral","sentiment_score":-0.16203400865197182},{"text":"Yeah.","start":182.885,"end":183.385,"sentiment":"neutral","sentiment_score":-0.07244083285331726}],"sentiment":"neutral","sentiment_score":0.03819776722827019,"num_words":78,"start":154.11499,"end":183.385},{"sentences":[{"text":"Yeah.","start":186.73999,"end":187.23999,"sentiment":"neutral","sentiment_score":0.06589286029338837},{"text":"Yeah.","start":200.995,"end":201.315,"sentiment":"neutral","sentiment_score":0.11949235945940018},{"text":"That's okay.","start":201.315,"end":202.055,"sentiment":"neutral","sentiment_score":0.0923660583794117},{"text":"That's alright.","start":202.355,"end":203.095,"sentiment":"neutral","sentiment_score":0.32062652707099915},{"text":"That's okay.","start":204.67499,"end":205.315,"sentiment":"neutral","sentiment_score":0.11364347487688065}],"sentiment":"neutral","sentiment_score":0.15483216755092144,"num_words":8,"start":186.73999,"end":205.315},{"sentences":[{"text":"Look, I did come up with an option.","start":205.315,"end":206.75499,"sentiment":"neutral","sentiment_score":0.012277014320716262},{"text":"So that it was looking at an investment, but, obviously, with the hesitation because, obviously, having a look at things is super has been a little bit stagnant this year, and I kinda wanted to go that through that with you as well.","start":206.75499,"end":218.01001,"sentiment":"neutral","sentiment_score":-0.08647121086196843},{"text":"I don't mind if you wanna just hold off on the child investment and you just, you know, wait till you have your second child and we maybe reassess down the track.","start":218.55,"end":226.045,"sentiment":"neutral","sentiment_score":0.0018949296572827734},{"text":"Did you feel more comfortable doing that?","start":226.045,"end":228.205,"sentiment":"neutral","sentiment_score":0.03688501566648483},{"text":"Or Yeah.","start":228.205,"end":229.985,"sentiment":"neutral","sentiment_score":0.1642548218369484}],"sentiment":"neutral","sentiment_score":-0.03231199402311493,"num_words":92,"start":205.315,"end":229.985},{"sentences":[{"text":"Yeah.","start":230.605,"end":230.925,"sentiment":"neutral","sentiment_score":0.30919110774993896},{"text":"That's fine.","start":230.925,"end":231.485,"sentiment":"neutral","sentiment_score":0.31522542238235474},{"text":"That's not a problem.","start":231.485,"end":232.465,"sentiment":"neutral","sentiment_score":0.22040941938757896},{"text":"I had that up, and I was like, I'll just double check with how you're feeling first up because I know markets are volatile.","start":232.525,"end":238.045,"sentiment":"neutral","sentiment_score":0.06376606629540522},{"text":"They do go up and down, and it is completely normal to do so, and you are more in that high growth environment there.","start":238.045,"end":243.68001,"sentiment":"neutral","sentiment_score":0.05268380790948868}],"sentiment":"neutral","sentiment_score":0.08392866565422578,"num_words":55,"start":230.605,"end":243.68001},{"sentences":[{"text":"But I wanted to kinda do the annual review with you at least and see how you were feeling.","start":244.22,"end":247.92,"sentiment":"neutral","sentiment_score":0.07447966482294233},{"text":"And, look, there's all the advice we do provide is just advice.","start":248.54001,"end":251.82,"sentiment":"neutral","sentiment_score":0.07978467767437299},{"text":"You don't have to take it.","start":251.82,"end":253.275,"sentiment":"neutral","sentiment_score":0.041730016469955444},{"text":"It's more just, you know, giving you the option there.","start":253.67499,"end":255.75499,"sentiment":"neutral","sentiment_score":0.10558265969157218},{"text":"So we can just pause that child's investment for the time being.","start":255.75499,"end":259.615,"sentiment":"neutral","sentiment_score":0.07241012621670961}],"sentiment":"neutral","sentiment_score":0.07707894871295509,"num_words":59,"start":244.22,"end":259.615},{"sentences":[{"text":"Let things maybe settle a bit with where everything is for you guys, and then we can always reevaluate it down the track in a bit more time.","start":259.755,"end":266.875,"sentiment":"neutral","sentiment_score":0.05097246629052928},{"text":"Does that sound comfortable for you?","start":266.875,"end":268.475,"sentiment":"neutral","sentiment_score":0.03551006596535444},{"text":"Or Yep.","start":268.475,"end":270.63,"sentiment":"neutral","sentiment_score":0.07825319003313778},{"text":"Beautiful.","start":270.85,"end":271.35,"sentiment":"positive","sentiment_score":0.4414597153663635},{"text":"Excellent.","start":271.57,"end":272.07,"sentiment":"neutral","sentiment_score":0.3095459043979645}],"sentiment":"neutral","sentiment_score":0.06704740662519869,"num_words":38,"start":259.755,"end":272.07},{"sentences":[{"text":"Yeah.","start":276.93,"end":277.43,"sentiment":"neutral","sentiment_score":-0.027545642107725143},{"text":"Yeah.","start":281.90503,"end":282.40503,"sentiment":"neutral","sentiment_score":-0.04245184361934662},{"text":"Wow.","start":287.98502,"end":288.48502,"sentiment":"neutral","sentiment_score":-0.025408774614334103},{"text":"Yeah.","start":300.8,"end":301.3,"sentiment":"neutral","sentiment_score":-0.11993439495563508},{"text":"Yes.","start":311.695,"end":312.17502,"sentiment":"neutral","sentiment_score":-0.012671934440732002}],"sentiment":"neutral","sentiment_score":-0.045602517947554586,"num_words":5,"start":276.93,"end":312.17502},{"sentences":[{"text":"Yep.","start":312.17502,"end":312.67502,"sentiment":"neutral","sentiment_score":0.06810721009969711},{"text":"Yeah.","start":322.03,"end":322.43,"sentiment":"neutral","sentiment_score":0.07233531028032303},{"text":"Because you guys were gonna be basically debt free.","start":322.43,"end":325.09,"sentiment":"neutral","sentiment_score":0.022602054807874892},{"text":"Yeah.","start":325.38998,"end":325.88998,"sentiment":"neutral","sentiment_score":0.05681339278817177},{"text":"Oh, fantastic.","start":329.63,"end":330.29,"sentiment":"positive","sentiment_score":0.6307625472545624}],"sentiment":"neutral","sentiment_score":0.11872853578201362,"num_words":14,"start":312.17502,"end":330.29},{"sentences":[{"text":"Excellent.","start":331.26498,"end":331.585,"sentiment":"positive","sentiment_score":0.5855745077133179},{"text":"Well, let's sort of run through things and see where everything's changed.","start":331.585,"end":334.305,"sentiment":"neutral","sentiment_score":0.16072077490389347},{"text":"Now you mentioned that you've got some inheritance from your dad.","start":334.305,"end":336.965,"sentiment":"neutral","sentiment_score":0.03813054446469654},{"text":"Roughly, how much have you inherited from that one?","start":337.505,"end":340.325,"sentiment":"neutral","sentiment_score":0.019970553202761546},{"text":"50,000?","start":341.505,"end":342.405,"sentiment":"neutral","sentiment_score":0.025415468961000443}],"sentiment":"neutral","sentiment_score":0.09231794833698694,"num_words":34,"start":331.26498,"end":342.405},{"sentences":[{"text":"Lovely.","start":342.54498,"end":343.04498,"sentiment":"neutral","sentiment_score":0.23268353939056396},{"text":"And is it just sitting in a bank account at the moment?","start":343.745,"end":346.165,"sentiment":"neutral","sentiment_score":0.035796551344295345},{"text":"Yep.","start":351.33,"end":351.73,"sentiment":"neutral","sentiment_score":0.06096147745847702},{"text":"All good.","start":351.73,"end":352.21,"sentiment":"neutral","sentiment_score":0.17637796700000763},{"text":"Is it sitting in, like, an offset account for one of your like, for one of the properties, or is it just like a savings account?","start":352.21,"end":358.07,"sentiment":"neutral","sentiment_score":-0.02783489227294922}],"sentiment":"neutral","sentiment_score":0.008386961140093348,"num_words":42,"start":342.54498,"end":358.07},{"sentences":[{"text":"K.","start":358.61,"end":359.11,"sentiment":"neutral","sentiment_score":-0.008181322365999222},{"text":"Yep.","start":365.175,"end":365.675,"sentiment":"neutral","sentiment_score":0.01842470094561577},{"text":"Okay.","start":371.01498,"end":371.51498,"sentiment":"neutral","sentiment_score":0.009768452495336533},{"text":"Okay.","start":382.99,"end":383.49,"sentiment":"neutral","sentiment_score":0.022034669294953343},{"text":"Yeah.","start":390.815,"end":391.135,"sentiment":"neutral","sentiment_score":0.034384943544864655}],"sentiment":"neutral","sentiment_score":0.015286288782954216,"num_words":5,"start":358.61,"end":391.135},{"sentences":[{"text":"No.","start":391.135,"end":391.375,"sentiment":"neutral","sentiment_score":0.002191249281167984},{"text":"That's okay.","start":391.375,"end":392.015,"sentiment":"neutral","sentiment_score":0.08696630597114563},{"text":"That's not a problem at all.","start":392.015,"end":393.295,"sentiment":"neutral","sentiment_score":0.18135672807693481},{"text":"So that's about to settle.","start":393.295,"end":394.67502,"sentiment":"neutral","sentiment_score":0.11147453039884567},{"text":"Are you wanting to maybe look at maybe splitting up that inheritance and maybe putting some of it into super to kind of provide greater benefit towards your retirement goals, or are you sort of wanting to be able to use the money in the shorter term?","start":395.695,"end":407.59,"sentiment":"neutral","sentiment_score":0.11776272136163204}],"sentiment":"neutral","sentiment_score":0.12059811124059021,"num_words":61,"start":391.135,"end":407.59},{"sentences":[{"text":"Yep.","start":419.58502,"end":420.08502,"sentiment":"neutral","sentiment_score":0.32428374886512756},{"text":"Yeah.","start":436.655,"end":437.155,"sentiment":"neutral","sentiment_score":0.14616559445858002},{"text":"Mhmm.","start":446.94,"end":447.44,"sentiment":"neutral","sentiment_score":0.0018069446086883545},{"text":"That is correct.","start":452.78,"end":453.68,"sentiment":"neutral","sentiment_score":0.07693858444690704},{"text":"That is the yeah.","start":453.74,"end":455.52,"sentiment":"neutral","sentiment_score":0.03010142268612981}],"sentiment":"neutral","sentiment_score":0.08234777320176363,"num_words":10,"start":419.58502,"end":455.52},{"sentences":[{"text":"You're fine.","start":456.46,"end":457.28,"sentiment":"neutral","sentiment_score":0.08122442290186882},{"text":"Yep.","start":460.63498,"end":461.13498,"sentiment":"neutral","sentiment_score":-0.01875271648168564},{"text":"Yeah.","start":464.47498,"end":464.955,"sentiment":"neutral","sentiment_score":0.24240842461586},{"text":"Perfect.","start":464.955,"end":465.455,"sentiment":"positive","sentiment_score":0.5002480745315552},{"text":"Yeah.","start":467.995,"end":468.495,"sentiment":"neutral","sentiment_score":-0.02056509256362915}],"sentiment":"neutral","sentiment_score":0.144297922650973,"num_words":6,"start":456.46,"end":468.495},{"sentences":[{"text":"Yeah.","start":471.93,"end":472.33,"sentiment":"neutral","sentiment_score":0.0478387251496315},{"text":"Absolutely.","start":472.33,"end":472.83,"sentiment":"neutral","sentiment_score":0.07390214502811432},{"text":"So, look, honestly, just with the kind of with what I'm hearing in the conversation, it sounds to me like putting the money into super is not preferable as yet.","start":472.97,"end":480.83,"sentiment":"neutral","sentiment_score":-0.1947380234176914},{"text":"Maybe having that money sitting in a savings account or maybe your offset account when you this loan settles allows you to maybe offset some of the interest you would be paying on that commercial property.","start":481.21,"end":491.33502,"sentiment":"neutral","sentiment_score":-0.05603568038592736},{"text":"But then, also, you do have access to it in the shorter term when it comes to kids things.","start":491.875,"end":495.875,"sentiment":"neutral","sentiment_score":-0.01390854896683442}],"sentiment":"neutral","sentiment_score":-0.09197639950133603,"num_words":87,"start":471.93,"end":495.875},{"sentences":[{"text":"I mean, I've got three kids myself.","start":495.875,"end":497.475,"sentiment":"neutral","sentiment_score":-0.03782961357917104},{"text":"Dental work is by no means cheap.","start":497.475,"end":499.74,"sentiment":"neutral","sentiment_score":-0.21368151477405004},{"text":"So we I'm hoping not to go down that route with that stuff.","start":499.74,"end":506.16,"sentiment":"neutral","sentiment_score":-0.26121297822548795},{"text":"Oh, I know.","start":507.9,"end":508.86,"sentiment":"neutral","sentiment_score":-0.07702603687842687},{"text":"You know what?","start":508.86,"end":509.5,"sentiment":"neutral","sentiment_score":-0.0842297797401746}],"sentiment":"neutral","sentiment_score":-0.17091254743211198,"num_words":33,"start":495.875,"end":509.5},{"sentences":[{"text":"The Invisalign stuff, they told me it would be one round, and we went through it, and it was about 6 to 7,000.","start":509.5,"end":516.135,"sentiment":"neutral","sentiment_score":-0.10468795539244362},{"text":"And then they we we got to the second the end of it, and they're like, yeah.","start":516.355,"end":520.835,"sentiment":"neutral","sentiment_score":0.0126964977449354},{"text":"So round two.","start":520.835,"end":521.475,"sentiment":"neutral","sentiment_score":-0.007701183669269085},{"text":"And I was like, no.","start":521.475,"end":522.035,"sentiment":"neutral","sentiment_score":-0.06689605079591274},{"text":"No.","start":522.035,"end":522.275,"sentiment":"neutral","sentiment_score":-0.16533252596855164}],"sentiment":"neutral","sentiment_score":-0.05540609884322906,"num_words":49,"start":509.5,"end":522.275},{"sentences":[{"text":"You said one round.","start":522.275,"end":523.15497,"sentiment":"neutral","sentiment_score":-0.10760597139596939},{"text":"Like, what if, like, $14 would have been braces, they would have been done.","start":523.15497,"end":527.015,"sentiment":"neutral","sentiment_score":-0.07217562438121863},{"text":"Like, it was insane.","start":527.315,"end":534.79,"sentiment":"neutral","sentiment_score":0.0913710668683052},{"text":"Yep.","start":537.17,"end":537.67,"sentiment":"neutral","sentiment_score":0.07675447314977646},{"text":"Yeah.","start":540.225,"end":540.46497,"sentiment":"neutral","sentiment_score":0.09471546858549118}],"sentiment":"neutral","sentiment_score":-0.03766368407135209,"num_words":24,"start":522.275,"end":540.46497},{"sentences":[{"text":"Absolutely.","start":540.46497,"end":540.96497,"sentiment":"neutral","sentiment_score":0.13804662227630615},{"text":"Absolutely.","start":542.46497,"end":542.96497,"sentiment":"neutral","sentiment_score":0.20284752547740936},{"text":"Absolutely.","start":543.345,"end":543.845,"sentiment":"neutral","sentiment_score":0.19462504982948303},{"text":"And it cost a fortune, like, honestly.","start":543.90497,"end":546.165,"sentiment":"neutral","sentiment_score":0.05103561335376331},{"text":"So, no, honestly, keeping it with the end of general advice based on it right now, but it does seem to me, like, with your goals and with where things are at the moment, it would just be best to keep it in that offset account when the loan settles, the bank account as a bit of a buffer for you guys as well.","start":547.02496,"end":561.56,"sentiment":"neutral","sentiment_score":0.1337311493116431}],"sentiment":"neutral","sentiment_score":0.12772381144600944,"num_words":74,"start":540.46497,"end":561.56},{"sentences":[{"text":"Because, I mean, if something happens and you need a bit of extra cash, you know, you know, we have rates coming up at the end this year as well.","start":561.56,"end":569.685,"sentiment":"neutral","sentiment_score":0.05334647273023923},{"text":"Insurance has never seen stop.","start":571.745,"end":573.525,"sentiment":"neutral","sentiment_score":-0.07404337972402572},{"text":"What to do?","start":584.4,"end":585.22003,"sentiment":"neutral","sentiment_score":-0.04382487448553244},{"text":"Yeah.","start":585.52,"end":586.02,"sentiment":"neutral","sentiment_score":0.005615735426545143},{"text":"Yeah.","start":593.05505,"end":593.55505,"sentiment":"neutral","sentiment_score":0.00852331705391407}],"sentiment":"neutral","sentiment_score":0.027821042807772756,"num_words":40,"start":561.56,"end":593.55505},{"sentences":[{"text":"Yeah.","start":595.135,"end":595.635,"sentiment":"neutral","sentiment_score":-0.0008876137435436249},{"text":"No.","start":596.335,"end":596.575,"sentiment":"neutral","sentiment_score":-0.06914328038692474},{"text":"Honestly, that's absolutely fine.","start":596.575,"end":598.17505,"sentiment":"neutral","sentiment_score":0.12408052664250135},{"text":"And we tend to be when we're looking at investments in our own name aside from super super, we can be a bit more aggressive in because we physically can't touch it.","start":598.17505,"end":606.12,"sentiment":"neutral","sentiment_score":0.00036143441684544086},{"text":"We're not allowed to touch it until, at this point, the age of 60 and we retire.","start":606.12,"end":610.62,"sentiment":"neutral","sentiment_score":-0.0921345195349525}],"sentiment":"neutral","sentiment_score":-0.02051690396937457,"num_words":55,"start":595.135,"end":610.62},{"sentences":[{"text":"So we can be a bit more aggressive with those with some investments.","start":611.72,"end":614.6,"sentiment":"neutral","sentiment_score":-0.08767445815297273},{"text":"And we know, you know, super, as I said, has been a bit stagnant this year.","start":614.6,"end":618.235,"sentiment":"negative","sentiment_score":-0.3672015981283039},{"text":"I know looking at the portfolio report that I have here, I've got one in your email there, which essentially is the July 10 last year to the July 9 this year, which is when we essentially did the documents up.","start":618.375,"end":631.515,"sentiment":"neutral","sentiment_score":-0.019845695700496435},{"text":"And the total the total gross gross was 0.45%.","start":632.22,"end":639.04,"sentiment":"neutral","sentiment_score":-0.06611440289351675},{"text":"Net after fees was 1.64%.","start":639.26,"end":641.98,"sentiment":"neutral","sentiment_score":-0.07301228046417237}],"sentiment":"neutral","sentiment_score":-0.10462807235862351,"num_words":84,"start":611.72,"end":641.98},{"sentences":[{"text":"So it is down this year.","start":641.98,"end":643.66,"sentiment":"neutral","sentiment_score":-0.23835605631271997},{"text":"We do fully expect that that that does happen, and it is basically a lot of it because of the ups and downs the market has definitely seen.","start":643.66,"end":651.045,"sentiment":"neutral","sentiment_score":-0.11511717603674956},{"text":"And even with your balance, it's over 100 k at the moment.","start":651.585,"end":654.385,"sentiment":"neutral","sentiment_score":-0.034351262263953686},{"text":"So it has gone up since our last review, which is great to see, but then it's had a little bit of a pullback.","start":654.385,"end":659.47003,"sentiment":"neutral","sentiment_score":-0.13391836980978647},{"text":"And with a a high growth environment, which is where you are, you are taking a more risk by having 90% in those growth investments.","start":659.47003,"end":666.77,"sentiment":"neutral","sentiment_score":-0.27309101819992065}],"sentiment":"neutral","sentiment_score":-0.1590205131000594,"num_words":95,"start":641.98,"end":666.77},{"sentences":[{"text":"So thinking things like Australian shares, international shares, commodities, and listed property there as well.","start":666.83,"end":672.625,"sentiment":"neutral","sentiment_score":-0.03674375005066395},{"text":"So you are taking a more risk in that sort of area.","start":672.925,"end":675.965,"sentiment":"negative","sentiment_score":-0.3402308796842893},{"text":"So we do expect essentially a negative return.","start":675.965,"end":678.78503,"sentiment":"negative","sentiment_score":-0.3967020884156227},{"text":"Roughly about one in every sort of five years is in expectation there, But it's also a point where in those downtimes, taking advantage of those downtimes as well to keep your contributions going in when you can so that you buy into the investors when they are seeking a downtime.","start":679.005,"end":695.18,"sentiment":"neutral","sentiment_score":-0.04513121202734171},{"text":"You're buying into a discounted investment opportunity.","start":695.18,"end":698.575,"sentiment":"neutral","sentiment_score":0.0988315035189901}],"sentiment":"neutral","sentiment_score":-0.10126252476406354,"num_words":93,"start":666.83,"end":698.575},{"sentences":[{"text":"And then as the portfolio comes out and recovers from that point of time, it isn't you know, you do see a bit of growth there.","start":698.575,"end":705.715,"sentiment":"neutral","sentiment_score":0.00667067588521884},{"text":"I'm not sure if you remember as well.","start":705.935,"end":707.455,"sentiment":"neutral","sentiment_score":-0.03509224462322891},{"text":"We would have also sent an email a few months back.","start":707.455,"end":709.695,"sentiment":"neutral","sentiment_score":0.0317363092167811},{"text":"It was a record of advice just noting an investment, which we were completing.","start":709.695,"end":713.32,"sentiment":"neutral","sentiment_score":0.03332890610077551},{"text":"Do you remember getting something?","start":713.32,"end":714.84,"sentiment":"neutral","sentiment_score":0.01656920611858368}],"sentiment":"neutral","sentiment_score":0.012363277084659785,"num_words":64,"start":698.575,"end":714.84},{"sentences":[{"text":"If you don't, that's okay.","start":714.84,"end":716.22003,"sentiment":"neutral","sentiment_score":-0.016905612777918577},{"text":"You alright?","start":719.48,"end":720.06,"sentiment":"neutral","sentiment_score":0.049822499975562096},{"text":"That's okay.","start":724.615,"end":729.755,"sentiment":"neutral","sentiment_score":0.15199579298496246},{"text":"Not sure.","start":746.23,"end":746.79,"sentiment":"neutral","sentiment_score":-0.07155467756092548},{"text":"That's okay.","start":746.79,"end":747.61,"sentiment":"neutral","sentiment_score":-0.1649841070175171}],"sentiment":"neutral","sentiment_score":-0.011843772855802225,"num_words":13,"start":714.84,"end":747.61},{"sentences":[{"text":"Yeah.","start":749.445,"end":749.945,"sentiment":"neutral","sentiment_score":-0.011714878492057323},{"text":"No.","start":751.52496,"end":751.765,"sentiment":"neutral","sentiment_score":-0.07765424251556396},{"text":"That's okay.","start":751.765,"end":752.485,"sentiment":"neutral","sentiment_score":-0.05901797488331795},{"text":"That's not a problem at all.","start":752.485,"end":754.105,"sentiment":"neutral","sentiment_score":-0.09622218894461791},{"text":"Yeah.","start":754.565,"end":754.96497,"sentiment":"neutral","sentiment_score":-0.01882396824657917}],"sentiment":"neutral","sentiment_score":-0.07305110660804943,"num_words":11,"start":749.445,"end":754.96497},{"sentences":[{"text":"No.","start":754.96497,"end":755.365,"sentiment":"neutral","sentiment_score":-0.07205318659543991},{"text":"No.","start":755.365,"end":755.685,"sentiment":"neutral","sentiment_score":-0.0516604483127594},{"text":"You're fine.","start":755.685,"end":756.245,"sentiment":"neutral","sentiment_score":0.03305975254625082},{"text":"Please don't ever apologize.","start":756.245,"end":757.46497,"sentiment":"neutral","sentiment_score":-0.011526933260029182},{"text":"You're all good.","start":757.605,"end":758.505,"sentiment":"neutral","sentiment_score":0.31115108728408813}],"sentiment":"neutral","sentiment_score":0.07543194536331364,"num_words":11,"start":754.96497,"end":758.505},{"sentences":[{"text":"Essentially, what I just wanted to explain was we did make it a bit of an investment switch in the last few months there.","start":758.64496,"end":763.61005,"sentiment":"neutral","sentiment_score":0.04570477968081832},{"text":"So you did originally have Ben along Australian equities in your portfolio, and it was meant to be more of an actively managed fund.","start":763.61005,"end":769.85004,"sentiment":"neutral","sentiment_score":0.0172358857622991},{"text":"So the fund manager is attempting to buy and sell in a more, you know, tax advantage way for themselves.","start":769.85004,"end":775.13,"sentiment":"neutral","sentiment_score":-0.0055965611711144446},{"text":"They're meant to taking advantage of market ups and downs and trying to outperform against the market.","start":775.13,"end":779.685,"sentiment":"neutral","sentiment_score":-0.015700628871426862},{"text":"Unfortunately, active managers don't always do that, and then along hasn't been able to do so this year.","start":780.305,"end":786.305,"sentiment":"neutral","sentiment_score":-0.18354112737708622}],"sentiment":"neutral","sentiment_score":-0.02108743918824543,"num_words":103,"start":758.64496,"end":786.305},{"sentences":[{"text":"They've had some underlying issues there.","start":786.305,"end":788.38495,"sentiment":"neutral","sentiment_score":-0.1641691525777181},{"text":"So that investment was also down, which was having a bit of an effect on your portfolio as well as the other the the global aspect with the America and the Iran war.","start":788.38495,"end":798.9,"sentiment":"neutral","sentiment_score":-0.15730809330037146},{"text":"So we actually did take a second.","start":799.28,"end":800.96,"sentiment":"neutral","sentiment_score":-0.04130503482052258},{"text":"We had a look.","start":800.96,"end":801.68,"sentiment":"neutral","sentiment_score":-0.04539400804787874},{"text":"The investment committee looked at everything and decided it was not worth keeping Ben along in there.","start":801.68,"end":805.505,"sentiment":"neutral","sentiment_score":-0.19739468045094433}],"sentiment":"neutral","sentiment_score":-0.14929257967134021,"num_words":67,"start":786.305,"end":805.505},{"sentences":[{"text":"It was dragging portfolios down.","start":805.505,"end":807.34503,"sentiment":"neutral","sentiment_score":-0.2236425220966339},{"text":"So we actually have removed that from your portfolio, and we swapped it out with the BetaShares a 200.","start":807.34503,"end":813.34503,"sentiment":"neutral","sentiment_score":-0.040036899380778014},{"text":"So when you are looking at your super there and if you've got the email with the and the review documents, the attachment on the first page is the asset performance detail report if you wanted to look at it.","start":813.34503,"end":825.39,"sentiment":"neutral","sentiment_score":0.016297657741233706},{"text":"If you don't, you can tell me no.","start":825.39,"end":827.25,"sentiment":"neutral","sentiment_score":-0.18737805727869272},{"text":"Yeah.","start":831.74506,"end":832.24506,"sentiment":"neutral","sentiment_score":0.1207093670964241}],"sentiment":"neutral","sentiment_score":-0.035689349043859196,"num_words":73,"start":805.505,"end":832.24506},{"sentences":[{"text":"Because have yeah.","start":832.465,"end":836.86505,"sentiment":"neutral","sentiment_score":-0.004312777270873387},{"text":"Well, no.","start":836.86505,"end":837.34503,"sentiment":"neutral","sentiment_score":-0.024182508699595928},{"text":"Look.","start":837.34503,"end":837.66504,"sentiment":"neutral","sentiment_score":0.07602877169847488},{"text":"It was a really good decision to move it out.","start":837.66504,"end":839.505,"sentiment":"neutral","sentiment_score":0.3110209658741951},{"text":"So Banda Long had been underperforming, and we don't want you to be an investment that are underperforming.","start":839.505,"end":843.86,"sentiment":"neutral","sentiment_score":-0.26075277104973793}],"sentiment":"neutral","sentiment_score":-0.04613572934313732,"num_words":34,"start":832.465,"end":843.86},{"sentences":[{"text":"So, realistically, we've moved you into the a 200, which more is a passively managed and attracts the top 200 companies on the ASF.","start":844.32,"end":852.18,"sentiment":"neutral","sentiment_score":0.16828936136638126},{"text":"It's actually giving you greater diversification, which helps to lower the overall risk of your portfolio.","start":852.72,"end":858.195,"sentiment":"positive","sentiment_score":0.3828863054513931},{"text":"Because Bannalong only held anywhere between 15 to 25 different investments in their portfolio depending on what they're invested in.","start":858.89496,"end":866.01495,"sentiment":"neutral","sentiment_score":0.09307777490466833},{"text":"So by moving you out of Bannalong and into the a 200, you're now getting exposure to the top 200 companies.","start":866.01495,"end":871.84,"sentiment":"neutral","sentiment_score":0.246776377870923},{"text":"It does help to reduce the overall risk with diversification and also concentrated with based on one asset manager because we're not we're essentially, you know, looking at the top 200 companies.","start":872.38,"end":883.2,"sentiment":"neutral","sentiment_score":0.21984504791907966}],"sentiment":"neutral","sentiment_score":0.2145489073168915,"num_words":113,"start":844.32,"end":883.2},{"sentences":[{"text":"There is a bit of a criteria for those companies to be in the top 200.","start":884.135,"end":888.555,"sentiment":"neutral","sentiment_score":0.05867083091288805},{"text":"And if a company doesn't meet that criteria, they are moved out.","start":888.935,"end":892.135,"sentiment":"neutral","sentiment_score":-0.06430233797679345},{"text":"And then, obviously, these investments that are tracking that, they do make the change as well.","start":892.135,"end":896.93994,"sentiment":"neutral","sentiment_score":0.13335035042837262},{"text":"So you are always tracking the top 200 companies.","start":896.93994,"end":899.68,"sentiment":"neutral","sentiment_score":0.2811045977804396},{"text":"It's helping to, you know, alleviate overall risk, and we just wanna sort of watch things to make sure it comes out and does provide a bit more growth there for you.","start":899.89996,"end":908.8,"sentiment":"neutral","sentiment_score":0.316863018553704}],"sentiment":"neutral","sentiment_score":0.17612080964095453,"num_words":85,"start":884.135,"end":908.8},{"sentences":[{"text":"So I'll definitely be watching this over the next few months.","start":909.105,"end":911.505,"sentiment":"neutral","sentiment_score":0.22459474476900967},{"text":"I was sort of looking at whether because Netwealth is one not a bad platform in any way, shape, or form.","start":911.505,"end":918.065,"sentiment":"neutral","sentiment_score":0.005261649954177085},{"text":"I could look at maybe moving you out of Netwealth and maybe updating your portfolio.","start":918.065,"end":922.165,"sentiment":"neutral","sentiment_score":0.026115371783574422},{"text":"Did you want me to go back?","start":923.05005,"end":924.09,"sentiment":"neutral","sentiment_score":0.011299046554735728},{"text":"I've had a bit of a look at things prior to the call.","start":924.09,"end":926.33,"sentiment":"neutral","sentiment_score":0.0677880492921059}],"sentiment":"neutral","sentiment_score":0.05870306544673087,"num_words":67,"start":909.105,"end":926.33},{"sentences":[{"text":"There are some changes that we could definitely make.","start":926.33,"end":928.57,"sentiment":"neutral","sentiment_score":0.20148924324247572},{"text":"Maybe you look at rebalancing your portfolio, maybe look at the other investments you do have in the portfolio there, and maybe look at updating things for you.","start":928.57,"end":936.25,"sentiment":"neutral","sentiment_score":0.09332415953810726},{"text":"Would you like me to do that as well?","start":936.25,"end":938.03,"sentiment":"neutral","sentiment_score":0.11272019644578297},{"text":"Yeah.","start":940.375,"end":940.875,"sentiment":"neutral","sentiment_score":0.09827536344528198},{"text":"Yeah.","start":946.375,"end":946.875,"sentiment":"neutral","sentiment_score":0.06177888065576553}],"sentiment":"neutral","sentiment_score":0.11668782642421623,"num_words":48,"start":926.33,"end":946.875},{"sentences":[{"text":"Yep.","start":947.735,"end":948.235,"sentiment":"neutral","sentiment_score":0.04813189059495926},{"text":"In a different platform.","start":961.19,"end":962.33,"sentiment":"neutral","sentiment_score":-0.009553477633744478},{"text":"Yeah.","start":964.31,"end":964.81,"sentiment":"neutral","sentiment_score":0.026818348094820976},{"text":"Yeah.","start":968.315,"end":968.815,"sentiment":"neutral","sentiment_score":0.13984708487987518},{"text":"Absolutely.","start":970.39496,"end":970.89496,"sentiment":"neutral","sentiment_score":0.19310805201530457}],"sentiment":"neutral","sentiment_score":0.04621143313124776,"num_words":8,"start":947.735,"end":970.89496},{"sentences":[{"text":"You are.","start":981.21,"end":981.77,"sentiment":"neutral","sentiment_score":0.10943615436553956},{"text":"You're so young.","start":981.77,"end":982.91,"sentiment":"neutral","sentiment_score":0.17317495246728262},{"text":"Yeah.","start":987.37,"end":987.61,"sentiment":"neutral","sentiment_score":0.04909268766641617},{"text":"Yeah.","start":987.61,"end":988.11,"sentiment":"neutral","sentiment_score":0.07285095751285553},{"text":"Yeah.","start":996.34503,"end":996.84503,"sentiment":"neutral","sentiment_score":0.09238053858280182}],"sentiment":"neutral","sentiment_score":0.11909016873687506,"num_words":8,"start":981.21,"end":996.84503},{"sentences":[{"text":"Absolutely.","start":996.905,"end":997.405,"sentiment":"neutral","sentiment_score":0.16326650977134705},{"text":"And that's generally the way we wanna do it.","start":997.545,"end":999.545,"sentiment":"neutral","sentiment_score":0.19195209112432268},{"text":"So we wanna start off now taking on a bit more risk, allowing, you know, having this as much as we know where the downtimes are going to happen is a part of investing.","start":999.545,"end":1008.26,"sentiment":"neutral","sentiment_score":0.09278518859954442},{"text":"But taking on a bit more risk now does mean that whilst you are young, whilst you can't touch your sleep, or while you do have that time horizon ahead of you, you do have the opportunity to get on greater gains when the market is doing really well.","start":1008.8,"end":1020.95496,"sentiment":"neutral","sentiment_score":0.1726037207610753},{"text":"Admittedly, we will see the fallback like we have some of this year, but allowing yourself to go through those, continue contributing through, you do obviously benefit greater from that.","start":1020.95496,"end":1030.44,"sentiment":"neutral","sentiment_score":0.29570020536581676}],"sentiment":"neutral","sentiment_score":0.18190341642717037,"num_words":123,"start":996.905,"end":1030.44},{"sentences":[{"text":"The high growth sort of environment does suit someone who has about eight years before ask accessing their super.","start":1031.0,"end":1036.36,"sentiment":"neutral","sentiment_score":0.21968193744358264},{"text":"So generally speaking, about eight years out, we wanna kinda pull that back a little bit.","start":1036.36,"end":1040.94,"sentiment":"neutral","sentiment_score":0.050582286436110735},{"text":"We can even do so more, like, a lot closer if you prefer.","start":1041.0,"end":1045.265,"sentiment":"neutral","sentiment_score":0.18500814071068397},{"text":"Some people kinda get to ten years out and go, hey.","start":1045.325,"end":1047.565,"sentiment":"neutral","sentiment_score":0.08194367655298927},{"text":"I kinda just wanna drop it back a bit now.","start":1047.565,"end":1050.3049,"sentiment":"neutral","sentiment_score":0.07201297655701637}],"sentiment":"neutral","sentiment_score":0.1305781076999678,"num_words":69,"start":1031.0,"end":1050.3049},{"sentences":[{"text":"But we won't sort of do a drastic change.","start":1050.605,"end":1052.9249,"sentiment":"neutral","sentiment_score":-0.07475027524762684},{"text":"I like to sort of step things down gradually.","start":1052.9249,"end":1054.9249,"sentiment":"neutral","sentiment_score":0.17024614579147762},{"text":"So you're sort of reducing your risk level by about 10% at a time.","start":1054.9249,"end":1058.445,"sentiment":"neutral","sentiment_score":0.22736211440392903},{"text":"That way, it's not a huge drastic change.","start":1058.445,"end":1060.5643,"sentiment":"neutral","sentiment_score":0.12471197545528412},{"text":"You start doing gradually, so you're moving down in segments.","start":1060.5643,"end":1063.5728,"sentiment":"neutral","sentiment_score":0.14904567673802377}],"sentiment":"neutral","sentiment_score":0.13061370015144347,"num_words":50,"start":1050.605,"end":1063.5728},{"sentences":[{"text":"So you kinda keep it working harder as long as possible, but gradually reduce that risk level down a little bit.","start":1063.5728,"end":1070.1914,"sentiment":"neutral","sentiment_score":0.1874570715285483},{"text":"But we will kind of get to that point when you're much older and much closer.","start":1070.1914,"end":1075.005,"sentiment":"neutral","sentiment_score":0.02625638316385448},{"text":"Yeah.","start":1075.5651,"end":1075.965,"sentiment":"neutral","sentiment_score":0.05230026692152023},{"text":"And like you as I said, you're happy to take on a bit more risk now, but it doesn't alleviate.","start":1075.965,"end":1080.0651,"sentiment":"neutral","sentiment_score":0.081714784540236},{"text":"There can be times where you hear what's happening in the news.","start":1080.125,"end":1083.105,"sentiment":"neutral","sentiment_score":-0.14950844210882983}],"sentiment":"neutral","sentiment_score":0.06070278978773526,"num_words":70,"start":1063.5728,"end":1083.105},{"sentences":[{"text":"It's everywhere, all over Facebook, and everything is the same post, and it can cause a little bit of panic.","start":1083.165,"end":1088.125,"sentiment":"neutral","sentiment_score":-0.20352120846509933},{"text":"So if you hear those sorts of things, Erin, give me a call.","start":1088.125,"end":1091.0599,"sentiment":"neutral","sentiment_score":0.03978355400837385},{"text":"More than happy to talk you through them, let you know what's going on, and more than happy to reevaluate, you know, your investments and risk level at any time.","start":1091.0599,"end":1098.44,"sentiment":"positive","sentiment_score":0.39427704314390816},{"text":"Even though we have kind of made that change within Netwealth, I will go back and just reevaluate the portfolio for you.","start":1099.22,"end":1106.135,"sentiment":"neutral","sentiment_score":0.03255701344460249},{"text":"I can reevaluate Netwealth against other platforms as well to see if something is a bit cheaper.","start":1106.135,"end":1111.195,"sentiment":"neutral","sentiment_score":0.0869127376114621}],"sentiment":"neutral","sentiment_score":0.10263572708137479,"num_words":102,"start":1083.165,"end":1111.195},{"sentences":[{"text":"We do also consider the CDT consequences.","start":1111.975,"end":1114.475,"sentiment":"neutral","sentiment_score":0.01400129816361836},{"text":"So just like you, your super fund does a tax return every year.","start":1114.855,"end":1118.36,"sentiment":"neutral","sentiment_score":0.028716199673139133},{"text":"So any restructuring or buying and selling of an investment does have taxation consequences.","start":1118.82,"end":1124.0399,"sentiment":"neutral","sentiment_score":-0.09997537386204515},{"text":"So I'll review the taxation consequences against the moving and against the switching to see whether it is okay to maybe move out of Netwealth now or whether we should hold off and just retain and what that looks like for you.","start":1124.34,"end":1136.9149,"sentiment":"neutral","sentiment_score":0.0075321777812427},{"text":"Is that okay?","start":1136.9149,"end":1137.8949,"sentiment":"neutral","sentiment_score":0.041739855582515396}],"sentiment":"neutral","sentiment_score":-0.006161576172313358,"num_words":79,"start":1111.975,"end":1137.8949},{"sentences":[{"text":"Yeah?","start":1139.5549,"end":1140.0549,"sentiment":"neutral","sentiment_score":0.12125997245311736},{"text":"Beautiful.","start":1140.77,"end":1141.27,"sentiment":"positive","sentiment_score":0.5331227779388428},{"text":"Excellent.","start":1141.57,"end":1142.07,"sentiment":"positive","sentiment_score":0.5191025137901306},{"text":"Let's review that.","start":1142.13,"end":1143.25,"sentiment":"neutral","sentiment_score":0.27054162820180255},{"text":"And you mentioned you're happy to stay in that high growth environment with that ninety ten split between growth and defensive assets.","start":1143.25,"end":1148.85,"sentiment":"neutral","sentiment_score":0.193936095319011}],"sentiment":"neutral","sentiment_score":0.2232751516359193,"num_words":28,"start":1139.5549,"end":1148.85},{"sentences":[{"text":"Did you wanna reevaluate that at all or that's okay?","start":1148.85,"end":1152.1499,"sentiment":"neutral","sentiment_score":0.06661348044872284},{"text":"Yep.","start":1154.225,"end":1154.725,"sentiment":"neutral","sentiment_score":0.2515677213668823},{"text":"That's okay.","start":1155.025,"end":1155.845,"sentiment":"neutral","sentiment_score":0.24989432096481323},{"text":"Beautiful.","start":1156.145,"end":1156.645,"sentiment":"positive","sentiment_score":0.4986253678798675},{"text":"Excellent.","start":1156.945,"end":1157.445,"sentiment":"positive","sentiment_score":0.4434135556221008}],"sentiment":"neutral","sentiment_score":0.1573020060857137,"num_words":15,"start":1148.85,"end":1157.445},{"sentences":[{"text":"Just giving you an update on your balance as well.","start":1158.225,"end":1160.705,"sentiment":"neutral","sentiment_score":0.18629177659749985},{"text":"So as of the July 10 there, your balance is a 105,322 and $80.82 cents there.","start":1160.705,"end":1168.06,"sentiment":"neutral","sentiment_score":0.06188285397365689},{"text":"I'm just looking to see if Netwealth won't log me out.","start":1168.28,"end":1172.68,"sentiment":"neutral","sentiment_score":-0.04064685529605909},{"text":"I can grab you today's balance because it has been a few days since.","start":1172.68,"end":1176.38,"sentiment":"neutral","sentiment_score":-0.0007658630077328001},{"text":"Sorry.","start":1178.615,"end":1178.935,"sentiment":"neutral","sentiment_score":-0.0738728940486908}],"sentiment":"neutral","sentiment_score":0.0446410200988444,"num_words":52,"start":1158.225,"end":1178.935},{"sentences":[{"text":"Won't be one second.","start":1178.935,"end":1180.3151,"sentiment":"neutral","sentiment_score":-0.08873076550662518},{"text":"There we go.","start":1181.5751,"end":1182.555,"sentiment":"neutral","sentiment_score":-0.03698048616449038},{"text":"The balance is little bit of a dip out in the market here at the moment.","start":1185.175,"end":1188.775,"sentiment":"neutral","sentiment_score":-0.08958470146171749},{"text":"So you are at $104,006.41 and 72¢.","start":1188.775,"end":1192.65,"sentiment":"neutral","sentiment_score":-0.032068117909754314},{"text":"So a little bit of a pullback.","start":1192.65,"end":1194.09,"sentiment":"neutral","sentiment_score":-0.07803213489907128}],"sentiment":"neutral","sentiment_score":-0.07327370543498546,"num_words":37,"start":1178.935,"end":1194.09},{"sentences":[{"text":"But, as I said, I'll go back and definitely review everything for you.","start":1194.09,"end":1197.85,"sentiment":"neutral","sentiment_score":0.0716162223655444},{"text":"We'll come back and do an advice document that outlines what we recommend for your super, what the investments recommend, the advantages, the disadvantages, the risks, the CGT consequences, and how that looks for you projected over the next sort of ten years.","start":1198.09,"end":1210.6849,"sentiment":"neutral","sentiment_score":0.05317615423091622},{"text":"How does that sound?","start":1210.825,"end":1212.045,"sentiment":"neutral","sentiment_score":0.03578187618404627},{"text":"Yeah.","start":1212.105,"end":1212.605,"sentiment":"neutral","sentiment_score":0.02481051534414291},{"text":"Beautiful.","start":1214.265,"end":1214.765,"sentiment":"positive","sentiment_score":0.37288492918014526}],"sentiment":"neutral","sentiment_score":0.06061949148293464,"num_words":62,"start":1194.09,"end":1214.765},{"sentences":[{"text":"All good.","start":1214.985,"end":1215.385,"sentiment":"neutral","sentiment_score":0.25293487310409546},{"text":"And, look, all of that's part of our services as advisers is to update the advice and be changing the investments as we need to as we speak to you as well.","start":1215.385,"end":1222.88,"sentiment":"neutral","sentiment_score":0.1415418446995318},{"text":"So there is no additional cost for our recommendations.","start":1222.88,"end":1226.1799,"sentiment":"neutral","sentiment_score":0.17756615579128265},{"text":"I will provide the recommendations to you, and you get to decide whether you're happy to take them or not.","start":1226.7999,"end":1231.12,"sentiment":"neutral","sentiment_score":0.18106270469725133},{"text":"There's no obligation whatsoever.","start":1231.12,"end":1232.5,"sentiment":"neutral","sentiment_score":0.08359360694885254}],"sentiment":"neutral","sentiment_score":0.1580437716485849,"num_words":67,"start":1214.985,"end":1232.5},{"sentences":[{"text":"And it's all part of the ongoing service agreement that you you know, it's all part of our ongoing services as well.","start":1233.345,"end":1238.465,"sentiment":"neutral","sentiment_score":0.15081453424963084},{"text":"Alright?","start":1238.465,"end":1238.965,"sentiment":"neutral","sentiment_score":0.10839243978261948},{"text":"Excellent.","start":1241.345,"end":1241.845,"sentiment":"positive","sentiment_score":0.665630578994751},{"text":"Just to update a few other details here.","start":1242.625,"end":1245.025,"sentiment":"neutral","sentiment_score":0.19201472029089928},{"text":"Now I do also have your insurances there.","start":1245.025,"end":1247.505,"sentiment":"neutral","sentiment_score":0.07782074622809887}],"sentiment":"neutral","sentiment_score":0.15626566261053085,"num_words":40,"start":1233.345,"end":1247.505},{"sentences":[{"text":"So at the moment, having a look, you've got your life and TBD cover there.","start":1247.505,"end":1252.3201,"sentiment":"neutral","sentiment_score":0.07327500581741334},{"text":"The current sum insured is $678,005.65.","start":1252.4601,"end":1256.78,"sentiment":"neutral","sentiment_score":0.061748882134755455},{"text":"That's for both life and TBD.","start":1256.78,"end":1258.48,"sentiment":"neutral","sentiment_score":0.08898255539437135},{"text":"The amount of the premiums that you pay for this year from the super fund was $436.15, which is fantastic.","start":1259.5801,"end":1266.785,"sentiment":"positive","sentiment_score":0.3727844633162022},{"text":"On this summary, you will see the $4.88 29 figure.","start":1267.805,"end":1271.405,"sentiment":"neutral","sentiment_score":0.1180153176188469}],"sentiment":"neutral","sentiment_score":0.18665537113944689,"num_words":57,"start":1247.505,"end":1271.405},{"sentences":[{"text":"Essentially, the $4.88 is how much the fund or TAO have received for the premiums, but you get a bit of a rebate on them.","start":1271.405,"end":1277.9199,"sentiment":"neutral","sentiment_score":0.1628304049372673},{"text":"So you actually pay a little bit less out of your super fund, and you get a 15 percent discount, which is kind of nice.","start":1277.9199,"end":1283.7,"sentiment":"neutral","sentiment_score":0.30623692750930787},{"text":"In the event I know you guys own your main primary residence outright, and you're going to sort of have that loan.","start":1285.2799,"end":1292.3049,"sentiment":"neutral","sentiment_score":0.040048534643243656},{"text":"You said about 70 to 80,000 owing on that commercial property in Roma there as well.","start":1292.845,"end":1298.5449,"sentiment":"neutral","sentiment_score":0.02883533458225429},{"text":"Is there anything is there anything else that you sort of wanted to cover, like, in the event and I hate sort of going down this route.","start":1299.725,"end":1307.25,"sentiment":"neutral","sentiment_score":0.011737562302086089}],"sentiment":"neutral","sentiment_score":0.11640026616337507,"num_words":115,"start":1271.405,"end":1307.25},{"sentences":[{"text":"Like, in the event of you passing away, is it just sort of paying out the debts and then providing the rest to Jack?","start":1307.25,"end":1313.57,"sentiment":"neutral","sentiment_score":0.018585609349732597},{"text":"What's kind of important to you?","start":1313.57,"end":1314.9299,"sentiment":"neutral","sentiment_score":0.014603095750013987},{"text":"What did you wanna have that money cover?","start":1314.9299,"end":1316.95,"sentiment":"neutral","sentiment_score":0.013071115361526608},{"text":"Yeah.","start":1332.1699,"end":1332.6699,"sentiment":"neutral","sentiment_score":0.015235986560583116},{"text":"Okay.","start":1337.77,"end":1338.27,"sentiment":"neutral","sentiment_score":0.06084860488772392}],"sentiment":"neutral","sentiment_score":0.017858167830854654,"num_words":40,"start":1307.25,"end":1338.27},{"sentences":[{"text":"I love it.","start":1344.505,"end":1346.0449,"sentiment":"neutral","sentiment_score":0.3006267423431079},{"text":"Fan yep.","start":1351.3049,"end":1352.0449,"sentiment":"neutral","sentiment_score":0.03789566643536091},{"text":"Fantastic.","start":1362.44,"end":1362.92,"sentiment":"positive","sentiment_score":0.5730984210968018},{"text":"Oh, beautiful.","start":1362.92,"end":1363.74,"sentiment":"positive","sentiment_score":0.3452269434928894},{"text":"Yeah.","start":1370.135,"end":1370.635,"sentiment":"neutral","sentiment_score":-0.008518313057720661}],"sentiment":"neutral","sentiment_score":0.24807839499165615,"num_words":9,"start":1344.505,"end":1370.635},{"sentences":[{"text":"Yeah.","start":1373.175,"end":1373.675,"sentiment":"neutral","sentiment_score":0.12730048596858978},{"text":"Oh, that's really good.","start":1374.375,"end":1375.495,"sentiment":"positive","sentiment_score":0.5004747956991196},{"text":"I'm so glad you've done that.","start":1375.495,"end":1377.015,"sentiment":"positive","sentiment_score":0.7265600562095642},{"text":"That's fantastic.","start":1377.015,"end":1377.835,"sentiment":"positive","sentiment_score":0.7116388976573944},{"text":"It it's a big relief.","start":1378.295,"end":1379.835,"sentiment":"neutral","sentiment_score":-0.03911050409078598}],"sentiment":"positive","sentiment_score":0.42868251560462844,"num_words":18,"start":1373.175,"end":1379.835},{"sentences":[{"text":"Can it yeah.","start":1390.46,"end":1391.26,"sentiment":"neutral","sentiment_score":0.06766126801570256},{"text":"I got you, Erin.","start":1391.26,"end":1391.98,"sentiment":"neutral","sentiment_score":0.08607222512364388},{"text":"You came back.","start":1391.98,"end":1392.46,"sentiment":"neutral","sentiment_score":0.0830252543091774},{"text":"It's all good.","start":1392.46,"end":1393.1,"sentiment":"neutral","sentiment_score":0.2635830491781235},{"text":"No.","start":1393.1,"end":1393.34,"sentiment":"neutral","sentiment_score":0.030743330717086792}],"sentiment":"neutral","sentiment_score":0.11556006755147662,"num_words":14,"start":1390.46,"end":1393.34},{"sentences":[{"text":"You're fine.","start":1393.34,"end":1393.98,"sentiment":"neutral","sentiment_score":0.04382909834384918},{"text":"No.","start":1393.98,"end":1394.14,"sentiment":"neutral","sentiment_score":0.031881097704172134},{"text":"Look.","start":1394.14,"end":1394.38,"sentiment":"neutral","sentiment_score":0.13933603465557098},{"text":"Honestly, really happy you've done that.","start":1394.38,"end":1396.6951,"sentiment":"positive","sentiment_score":0.536967913309733},{"text":"With your beneficiaries on your life cover and your super, you've got them currently nominated.","start":1396.775,"end":1401.255,"sentiment":"neutral","sentiment_score":0.2741793066263199}],"sentiment":"neutral","sentiment_score":0.30373489633202555,"num_words":25,"start":1393.34,"end":1401.255},{"sentences":[{"text":"So in the event of you passing your life cover and super is paid to Jack so he can obviously look after the family, pay down whatever debt there, and keep looking after the kids moving forward.","start":1401.255,"end":1410.6,"sentiment":"neutral","sentiment_score":0.16044186700034785},{"text":"You're happy with how they're structured?","start":1410.6,"end":1412.22,"sentiment":"neutral","sentiment_score":0.11582434798280399},{"text":"Beautiful.","start":1414.0399,"end":1414.5399,"sentiment":"neutral","sentiment_score":0.299207866191864},{"text":"And you're happy with the life and TPD cover that you have at the moment?","start":1414.6,"end":1418.3799,"sentiment":"neutral","sentiment_score":0.17902717739343643},{"text":"You didn't wanna sort of not yep.","start":1418.5199,"end":1421.055,"sentiment":"neutral","sentiment_score":-0.02803262961762292}],"sentiment":"neutral","sentiment_score":0.14272245888908705,"num_words":66,"start":1401.255,"end":1421.055},{"sentences":[{"text":"Yeah.","start":1423.775,"end":1424.275,"sentiment":"neutral","sentiment_score":0.03470234200358391},{"text":"Excellent.","start":1424.9751,"end":1425.4751,"sentiment":"neutral","sentiment_score":0.2671612501144409},{"text":"All good.","start":1425.935,"end":1426.675,"sentiment":"neutral","sentiment_score":0.16774453967809677},{"text":"You don't have any income protection.","start":1426.9751,"end":1428.8351,"sentiment":"neutral","sentiment_score":-0.10224298884471257},{"text":"I know you are, you know, about to have another baby.","start":1429.2151,"end":1432.1951,"sentiment":"neutral","sentiment_score":-0.06959712877869606}],"sentiment":"neutral","sentiment_score":-0.035317794198081606,"num_words":21,"start":1423.775,"end":1432.1951},{"sentences":[{"text":"When's the baby due?","start":1432.415,"end":1433.9551,"sentiment":"neutral","sentiment_score":-0.01883227564394474},{"text":"Oh my gosh.","start":1436.5499,"end":1438.1699,"sentiment":"neutral","sentiment_score":-0.055076604088147484},{"text":"It it'll go fast.","start":1438.23,"end":1439.61,"sentiment":"neutral","sentiment_score":-0.07151641976088285},{"text":"A newborn and a toddler.","start":1444.07,"end":1445.45,"sentiment":"neutral","sentiment_score":0.025466031953692438},{"text":"Absolutely.","start":1445.83,"end":1446.33,"sentiment":"neutral","sentiment_score":0.04977140575647354}],"sentiment":"neutral","sentiment_score":-0.020560178138753948,"num_words":17,"start":1432.415,"end":1446.33},{"sentences":[{"text":"No.","start":1448.365,"end":1448.845,"sentiment":"neutral","sentiment_score":-0.009811431169509888},{"text":"All good.","start":1448.845,"end":1449.585,"sentiment":"neutral","sentiment_score":0.06217481382191181},{"text":"Obviously, with having a new baby, income protection is able to be obtained whilst you are working.","start":1450.125,"end":1456.205,"sentiment":"neutral","sentiment_score":0.040393667391446585},{"text":"When you're on maternity leave and in the third trimester, it is harder to sort of obtain.","start":1456.205,"end":1460.205,"sentiment":"neutral","sentiment_score":-0.021277277346919563},{"text":"But in the event that you aren't able to work with your financial situation, you guys are pretty, as you said, financially stable.","start":1460.205,"end":1466.47,"sentiment":"neutral","sentiment_score":0.25469015052785043}],"sentiment":"neutral","sentiment_score":0.10495650482286388,"num_words":60,"start":1448.365,"end":1466.47},{"sentences":[{"text":"Does Jack's income cover, you know, any ongoing or, you know, bills that would need to be covered, or would you need to have that be okay?","start":1467.17,"end":1477.085,"sentiment":"neutral","sentiment_score":0.03300822046757848},{"text":"Yep.","start":1477.085,"end":1477.585,"sentiment":"neutral","sentiment_score":0.12217038869857788},{"text":"Yep.","start":1482.685,"end":1483.185,"sentiment":"neutral","sentiment_score":0.07334747910499573},{"text":"Yep.","start":1491.18,"end":1491.68,"sentiment":"neutral","sentiment_score":0.02336288057267666},{"text":"Yep.","start":1494.06,"end":1494.56,"sentiment":"neutral","sentiment_score":-0.13665631413459778}],"sentiment":"neutral","sentiment_score":0.03140149635052489,"num_words":31,"start":1467.17,"end":1494.56},{"sentences":[{"text":"Yep.","start":1494.7001,"end":1495.2001,"sentiment":"neutral","sentiment_score":-0.14968833327293396},{"text":"No.","start":1498.635,"end":1498.795,"sentiment":"neutral","sentiment_score":-0.18216773867607117},{"text":"That's okay.","start":1498.795,"end":1499.755,"sentiment":"neutral","sentiment_score":-0.0008653979748487473},{"text":"That's absolutely fine.","start":1499.755,"end":1501.035,"sentiment":"positive","sentiment_score":0.39062662919362384},{"text":"I mean, honestly, you're you just staying there and being their wife and their mom, that is a 150% worth protecting.","start":1501.035,"end":1507.375,"sentiment":"positive","sentiment_score":0.3560463275228228}],"sentiment":"neutral","sentiment_score":0.2969737820593374,"num_words":28,"start":1494.7001,"end":1507.375},{"sentences":[{"text":"You are more valuable than the money you bring in.","start":1507.435,"end":1510.415,"sentiment":"neutral","sentiment_score":0.1811375766992569},{"text":"Absolutely.","start":1514.4601,"end":1514.9601,"sentiment":"neutral","sentiment_score":0.2011961042881012},{"text":"No.","start":1515.42,"end":1515.5801,"sentiment":"neutral","sentiment_score":0.14302441477775574},{"text":"That's perfect.","start":1515.5801,"end":1516.48,"sentiment":"positive","sentiment_score":0.33771172165870667},{"text":"And, obviously, there are other types of insurance that you can obtain outside of super things like trauma, child trauma.","start":1517.02,"end":1522.54,"sentiment":"neutral","sentiment_score":0.12063208483159542}],"sentiment":"neutral","sentiment_score":0.1542253360590514,"num_words":34,"start":1507.435,"end":1522.54},{"sentences":[{"text":"So you can also get trauma policies to cover your kids in the event that they are diagnosed with major traumatic conditions.","start":1522.54,"end":1528.4,"sentiment":"neutral","sentiment_score":0.07794958099045536},{"text":"Normally, the stock those is about the age of two.","start":1529.1951,"end":1532.335,"sentiment":"neutral","sentiment_score":0.05173056274652481},{"text":"And you can also get child investments.","start":1533.115,"end":1534.955,"sentiment":"neutral","sentiment_score":0.1310553593294961},{"text":"So the other thing we sort of wanted to you know, we were talking about was when you have this secondary child, there are other child investments out there, like, you know, child bonds where you can be putting your money money away for their future to be transferred to them at a certain life event, say, 25 or 18 to help them buy a house down the track or if you wanted to put money away for, you know, private school fees or things like that down the track, you can do so.","start":1534.955,"end":1561.305,"sentiment":"neutral","sentiment_score":0.1263010803847871},{"text":"Child bonds, when you kinda get to that point, we can have that conversation, look at how to invest money for your kids in the future.","start":1562.165,"end":1568.165,"sentiment":"neutral","sentiment_score":0.10836465914662068}],"sentiment":"neutral","sentiment_score":0.11219727433046454,"num_words":159,"start":1522.54,"end":1568.165},{"sentences":[{"text":"But with, like, trauma and child trauma and things, are you wanting to look at getting anything additional?","start":1568.165,"end":1572.79,"sentiment":"neutral","sentiment_score":-0.02396046623794569},{"text":"You're happy to just not pay anything out of pocket?","start":1572.79,"end":1575.6901,"sentiment":"neutral","sentiment_score":-0.007332866394426674},{"text":"A bit more?","start":1581.9249,"end":1582.745,"sentiment":"neutral","sentiment_score":0.019431735078493755},{"text":"Yeah.","start":1583.125,"end":1583.5249,"sentiment":"neutral","sentiment_score":0.03951620310544968},{"text":"That was kind of the recommendation with what to do with the money was to sort of put it into, like, a child investment bond.","start":1583.5249,"end":1589.0449,"sentiment":"neutral","sentiment_score":0.08678874626755714}],"sentiment":"neutral","sentiment_score":0.030928298400045094,"num_words":57,"start":1568.165,"end":1589.0449},{"sentences":[{"text":"It works very similar to, like, an investment account, very similar to your super.","start":1589.0449,"end":1593.065,"sentiment":"neutral","sentiment_score":0.16522832959890366},{"text":"The main sort of difference is that that, like, with investments in your own name, you have to account for the income and the growth as part of your tax return.","start":1593.4099,"end":1601.6699,"sentiment":"neutral","sentiment_score":0.10036110289154514},{"text":"With child investment bonds, they are more of an insurance product.","start":1601.73,"end":1605.1699,"sentiment":"neutral","sentiment_score":0.10836808349598538},{"text":"So you're putting the money into the investment, and you can start with as little as a thousand dollars.","start":1605.1699,"end":1609.4851,"sentiment":"neutral","sentiment_score":0.18493699243194178},{"text":"And you just need to be able to make regular contributions in on a regular basis.","start":1609.625,"end":1613.4851,"sentiment":"neutral","sentiment_score":0.08792891632765532}],"sentiment":"neutral","sentiment_score":0.1267813762629425,"num_words":91,"start":1589.0449,"end":1613.4851},{"sentences":[{"text":"Normally, you can put in more each year about a 125 more than the previous year's contributions to keep continuously growing over time.","start":1613.9451,"end":1622.125,"sentiment":"neutral","sentiment_score":0.13201012689134348},{"text":"And you haven't invested in investments the same as you see for any other investment account.","start":1622.7101,"end":1627.2101,"sentiment":"neutral","sentiment_score":0.05685332929715514},{"text":"But it's all sort of because it's all in this sort of bond structure, this trust structure, you actually don't have to account for any of the growth or the income in your own personal tax return.","start":1627.75,"end":1636.8701,"sentiment":"neutral","sentiment_score":0.12215269699289992},{"text":"It's sort of sheltered for the child, and you'd have to set up one for each individual child.","start":1636.8701,"end":1642.275,"sentiment":"neutral","sentiment_score":0.2033454320496983},{"text":"But it's a great way to shelter money for the kids to grow investments in their name without them having to suffer tax consequences of having an investment in their own name.","start":1642.275,"end":1651.56,"sentiment":"neutral","sentiment_score":0.3172570946626365}],"sentiment":"neutral","sentiment_score":0.17680937128644142,"num_words":126,"start":1613.9451,"end":1651.56},{"sentences":[{"text":"They don't have to have a tax phone number or anything like that, and it doesn't affect your personal tax return either, and it's a great way to build investments.","start":1651.64,"end":1659.5801,"sentiment":"positive","sentiment_score":0.3741458684206009},{"text":"So when baby number two comes along and you guys have had a bit more of a chat, talk about it.","start":1659.8,"end":1665.16,"sentiment":"neutral","sentiment_score":0.14037020806045758},{"text":"Let me know.","start":1665.16,"end":1665.7201,"sentiment":"neutral","sentiment_score":0.2882985671361287},{"text":"I'm happy to.","start":1665.7201,"end":1666.575,"sentiment":"positive","sentiment_score":0.7790632049242655},{"text":"Even if next year, you guys wanted to have the annual review together, we could talk about how your supers are going together, look at what's happening as a a, you know, future goals for the two of you, and talk about what we can definitely do with you guys if you're comfortable to do so.","start":1666.735,"end":1681.455,"sentiment":"positive","sentiment_score":0.37278923897870947}],"sentiment":"positive","sentiment_score":0.33849940814935,"num_words":113,"start":1651.64,"end":1681.455},{"sentences":[{"text":"Yeah.","start":1681.455,"end":1681.955,"sentiment":"neutral","sentiment_score":0.13814592361450195},{"text":"Yeah.","start":1687.0,"end":1687.5,"sentiment":"neutral","sentiment_score":0.02345520630478859},{"text":"Yeah.","start":1693.16,"end":1693.66,"sentiment":"neutral","sentiment_score":0.012988919392228128},{"text":"Absolutely.","start":1701.655,"end":1702.155,"sentiment":"neutral","sentiment_score":0.13429692387580872},{"text":"Yeah.","start":1702.935,"end":1703.435,"sentiment":"neutral","sentiment_score":0.13367962837219238}],"sentiment":"neutral","sentiment_score":0.08851332031190395,"num_words":5,"start":1681.455,"end":1703.435},{"sentences":[{"text":"Yeah.","start":1706.79,"end":1707.29,"sentiment":"neutral","sentiment_score":0.3100421726703644},{"text":"Absolutely.","start":1713.27,"end":1713.77,"sentiment":"neutral","sentiment_score":0.2159344851970673},{"text":"I know with my kids, I always think they're 19 and well, my oldest two are 19 and 20.","start":1714.39,"end":1718.55,"sentiment":"neutral","sentiment_score":0.10347487777471542},{"text":"My youngest is only 10, but I look at how much growth my property has made, and I love that.","start":1718.55,"end":1723.395,"sentiment":"neutral","sentiment_score":0.21837843358516693},{"text":"But I also am quite scared of what it's gonna look like for our kids when they get old enough to buy a property or want to buy a property, and I go, how are you gonna do this?","start":1723.395,"end":1731.495,"sentiment":"neutral","sentiment_score":-0.1478834935487845}],"sentiment":"neutral","sentiment_score":0.013651396986097098,"num_words":80,"start":1706.79,"end":1731.495},{"sentences":[{"text":"It's insane.","start":1733.475,"end":1734.375,"sentiment":"neutral","sentiment_score":-0.15455278009176254},{"text":"Yeah.","start":1735.29,"end":1735.79,"sentiment":"neutral","sentiment_score":-0.06314835697412491},{"text":"The bank of mom and dad is coming back.","start":1738.01,"end":1740.43,"sentiment":"neutral","sentiment_score":-0.05836803548865848},{"text":"Wow.","start":1750.505,"end":1751.005,"sentiment":"neutral","sentiment_score":0.04017719626426697},{"text":"Yeah.","start":1752.585,"end":1753.065,"sentiment":"neutral","sentiment_score":-0.021815678104758263}],"sentiment":"neutral","sentiment_score":-0.06280033702829055,"num_words":14,"start":1733.475,"end":1753.065},{"sentences":[{"text":"It's only gonna become more prevalent, I reckon.","start":1753.065,"end":1755.5449,"sentiment":"neutral","sentiment_score":-0.04331301851198077},{"text":"It's pretty insane.","start":1755.5449,"end":1756.7649,"sentiment":"neutral","sentiment_score":0.06819539641340573},{"text":"Yeah.","start":1758.745,"end":1759.245,"sentiment":"neutral","sentiment_score":0.10053174197673798},{"text":"Just to kinda update any other details here, so you've got the new commercial property.","start":1760.29,"end":1764.6901,"sentiment":"neutral","sentiment_score":0.05160000200072924},{"text":"When is that due to settle?","start":1764.6901,"end":1766.05,"sentiment":"neutral","sentiment_score":0.028369836198786896}],"sentiment":"neutral","sentiment_score":0.027358570615902092,"num_words":33,"start":1753.065,"end":1766.05},{"sentences":[{"text":"Do you know?","start":1766.05,"end":1766.79,"sentiment":"neutral","sentiment_score":0.001821073703467846},{"text":"Yep.","start":1770.85,"end":1771.35,"sentiment":"neutral","sentiment_score":0.01648242399096489},{"text":"Okay.","start":1772.4049,"end":1772.9049,"sentiment":"neutral","sentiment_score":0.2628575563430786},{"text":"Perfect.","start":1773.0449,"end":1773.5449,"sentiment":"positive","sentiment_score":0.5019849538803101},{"text":"And we should owe roughly about 70 to 80,000 on that one.","start":1773.6849,"end":1777.205,"sentiment":"neutral","sentiment_score":0.04658528324216604}],"sentiment":"neutral","sentiment_score":0.07476730856837498,"num_words":18,"start":1766.05,"end":1777.205},{"sentences":[{"text":"What's the rough valuation of that, do you think?","start":1777.205,"end":1779.7849,"sentiment":"neutral","sentiment_score":-0.009201882407069206},{"text":"That's okay.","start":1784.1,"end":1790.6074,"sentiment":"neutral","sentiment_score":0.045108603313565254},{"text":"Okay.","start":1799.875,"end":1800.375,"sentiment":"neutral","sentiment_score":0.02230830490589142},{"text":"Okay.","start":1806.115,"end":1806.615,"sentiment":"neutral","sentiment_score":0.012818189337849615},{"text":"Yeah.","start":1811.97,"end":1812.21,"sentiment":"neutral","sentiment_score":0.0408075675368309}],"sentiment":"neutral","sentiment_score":0.0059524519102914,"num_words":14,"start":1777.205,"end":1812.21},{"sentences":[{"text":"That's okay.","start":1812.21,"end":1813.11,"sentiment":"neutral","sentiment_score":0.06578115746378899},{"text":"Yeah.","start":1816.77,"end":1817.25,"sentiment":"neutral","sentiment_score":0.07201411575078964},{"text":"No.","start":1817.25,"end":1817.41,"sentiment":"neutral","sentiment_score":0.10804322361946106},{"text":"That's absolutely fine.","start":1817.41,"end":1818.85,"sentiment":"neutral","sentiment_score":0.21298833191394806},{"text":"Not a problem at all.","start":1818.85,"end":1820.23,"sentiment":"neutral","sentiment_score":0.2210409164428711}],"sentiment":"neutral","sentiment_score":0.17131576935450235,"num_words":12,"start":1812.21,"end":1820.23},{"sentences":[{"text":"And you got another ninety days before that settles.","start":1820.395,"end":1822.895,"sentiment":"neutral","sentiment_score":0.06470268136925167},{"text":"Easy.","start":1823.035,"end":1823.535,"sentiment":"neutral","sentiment_score":0.18344292044639587},{"text":"You've got your main primary residence there.","start":1823.835,"end":1825.915,"sentiment":"neutral","sentiment_score":0.06908875384501048},{"text":"Now I know that was originally you sold off your what was your PBR last year, and you've bought this new property, which is now your main primary residence.","start":1825.915,"end":1833.375,"sentiment":"neutral","sentiment_score":0.035946833933221886},{"text":"Asset value we had on that was about 1,200,000.","start":1834.03,"end":1837.31,"sentiment":"neutral","sentiment_score":0.004790608460704486}],"sentiment":"neutral","sentiment_score":0.04245385436171835,"num_words":55,"start":1820.395,"end":1837.31},{"sentences":[{"text":"What do you estimate that might be worth now?","start":1837.31,"end":1839.89,"sentiment":"neutral","sentiment_score":-0.0002511735591623518},{"text":"Yeah.","start":1846.685,"end":1847.185,"sentiment":"neutral","sentiment_score":-0.01877371408045292},{"text":"Yep.","start":1848.125,"end":1848.625,"sentiment":"neutral","sentiment_score":-0.003336845664307475},{"text":"It is.","start":1852.285,"end":1853.025,"sentiment":"neutral","sentiment_score":-0.005655278451740742},{"text":"Yeah.","start":1857.645,"end":1858.145,"sentiment":"neutral","sentiment_score":-0.036667611449956894}],"sentiment":"neutral","sentiment_score":-0.005167806437904281,"num_words":14,"start":1837.31,"end":1858.145},{"sentences":[{"text":"Okay.","start":1861.37,"end":1861.87,"sentiment":"neutral","sentiment_score":-0.02585497312247753},{"text":"Two different prices.","start":1864.89,"end":1866.27,"sentiment":"neutral","sentiment_score":-0.05136075243353844},{"text":"Yeah.","start":1866.3301,"end":1866.8301,"sentiment":"neutral","sentiment_score":-0.01768035814166069},{"text":"Absolutely.","start":1869.6901,"end":1870.1901,"sentiment":"neutral","sentiment_score":0.09921713918447496},{"text":"No.","start":1870.65,"end":1871.05,"sentiment":"neutral","sentiment_score":-0.21528050303459167}],"sentiment":"neutral","sentiment_score":-0.04481156463069575,"num_words":7,"start":1861.37,"end":1871.05},{"sentences":[{"text":"All good.","start":1871.05,"end":1871.79,"sentiment":"neutral","sentiment_score":0.04920647293329239},{"text":"And you still don't have any loans on that one.","start":1872.255,"end":1874.5751,"sentiment":"neutral","sentiment_score":-0.1745045468211174},{"text":"That was all paid out.","start":1874.5751,"end":1875.535,"sentiment":"neutral","sentiment_score":-0.11331185400485992},{"text":"That was correct, wasn't it?","start":1875.535,"end":1876.8151,"sentiment":"neutral","sentiment_score":-0.08388585895299912},{"text":"Yep.","start":1876.8151,"end":1877.3151,"sentiment":"neutral","sentiment_score":0.03815968334674835}],"sentiment":"neutral","sentiment_score":-0.11280266972987549,"num_words":23,"start":1871.05,"end":1877.3151},{"sentences":[{"text":"Beautiful.","start":1877.775,"end":1878.275,"sentiment":"positive","sentiment_score":0.4701008200645447},{"text":"We also have down your 2023 Prado, a value of 63,000 approximately.","start":1878.735,"end":1883.635,"sentiment":"neutral","sentiment_score":0.09777356466899316},{"text":"Would you value it the same or maybe decrease slightly?","start":1883.855,"end":1886.675,"sentiment":"neutral","sentiment_score":-0.010165163781493902},{"text":"The depreciation?","start":1892.04,"end":1892.78,"sentiment":"neutral","sentiment_score":-0.031646884977817535},{"text":"You're fine.","start":1896.2,"end":1897.18,"sentiment":"neutral","sentiment_score":0.04105915268883109}],"sentiment":"neutral","sentiment_score":0.057798388655538914,"num_words":27,"start":1877.775,"end":1897.18},{"sentences":[{"text":"Yeah.","start":1901.655,"end":1902.155,"sentiment":"neutral","sentiment_score":0.026257283985614777},{"text":"I honestly reckon you could get close to 60 because they are still really, really popular.","start":1902.455,"end":1907.835,"sentiment":"neutral","sentiment_score":0.05686755967326462},{"text":"Yeah.","start":1915.77,"end":1916.27,"sentiment":"neutral","sentiment_score":-0.002525978721678257},{"text":"That's okay.","start":1918.1699,"end":1919.07,"sentiment":"neutral","sentiment_score":0.05890179052948952},{"text":"We we reckon 50 eight, '59, or '55.","start":1919.13,"end":1922.57,"sentiment":"neutral","sentiment_score":0.00902628293260932}],"sentiment":"neutral","sentiment_score":0.040129503734143715,"num_words":28,"start":1901.655,"end":1922.57},{"sentences":[{"text":"What do you reckon?","start":1922.57,"end":1923.5499,"sentiment":"neutral","sentiment_score":0.001773390220478177},{"text":"Yep.","start":1924.525,"end":1925.025,"sentiment":"neutral","sentiment_score":0.01207941211760044},{"text":"50 5.","start":1925.805,"end":1926.7051,"sentiment":"neutral","sentiment_score":0.019777027890086174},{"text":"We did have about 12,000 in personal savings last year.","start":1928.365,"end":1932.125,"sentiment":"neutral","sentiment_score":0.0496115755289793},{"text":"I know you are inheriting or you've got that 50,000 as 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that.","start":1950.395,"end":1951.515,"sentiment":"neutral","sentiment_score":0.1845051348209381},{"text":"You did about 80,000.","start":1951.515,"end":1952.875,"sentiment":"neutral","sentiment_score":0.08048161678016186},{"text":"Would you sort of change that at all with everything you're now purchasing for baby number two?","start":1952.875,"end":1957.615,"sentiment":"neutral","sentiment_score":0.05876918794477687},{"text":"Yeah.","start":1964.17,"end":1964.49,"sentiment":"neutral","sentiment_score":0.1605994701385498},{"text":"That's okay.","start":1964.49,"end":1965.3099,"sentiment":"neutral","sentiment_score":0.2836788296699524}],"sentiment":"neutral","sentiment_score":0.10246501606086204,"num_words":29,"start":1950.395,"end":1965.3099},{"sentences":[{"text":"You're good.","start":1965.61,"end":1966.09,"sentiment":"positive","sentiment_score":0.4267817437648773},{"text":"You probably got most of the things from your other from Angus and maybe updating all his 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okay.","start":1990.02,"end":1990.74,"sentiment":"neutral","sentiment_score":-0.023422716185450554},{"text":"That's absolutely fine.","start":1990.74,"end":1992.28,"sentiment":"neutral","sentiment_score":0.126638725399971}],"sentiment":"neutral","sentiment_score":0.029036390036344527,"num_words":15,"start":1981.785,"end":1992.28},{"sentences":[{"text":"Any other cars, boats, or caravans, or investors that we maybe need to note down at all?","start":1992.82,"end":1997.8,"sentiment":"neutral","sentiment_score":0.021763978306861484},{"text":"Sorry, Erin.","start":2003.795,"end":2004.435,"sentiment":"neutral","sentiment_score":-0.15669742226600647},{"text":"I think I lost you.","start":2004.435,"end":2005.655,"sentiment":"negative","sentiment_score":-0.3484087407588959},{"text":"Hello?","start":2008.755,"end":2009.255,"sentiment":"neutral","sentiment_score":-0.07466581463813782},{"text":"Erin, can you hear me?","start":2009.395,"end":2010.615,"sentiment":"neutral","sentiment_score":-0.04508314430713654}],"sentiment":"neutral","sentiment_score":-0.06618441510945558,"num_words":30,"start":1992.82,"end":2010.615},{"sentences":[{"text":"I've got you back.","start":2014.85,"end":2015.91,"sentiment":"neutral","sentiment_score":0.010542804840952158},{"text":"You're fine.","start":2018.93,"end":2019.8301,"sentiment":"neutral","sentiment_score":-0.04599783197045326},{"text":"You're absolutely fine, honestly.","start":2021.0901,"end":2022.6901,"sentiment":"neutral","sentiment_score":0.2292782925069332},{"text":"I promise, Wendy, you'll be done.","start":2022.6901,"end":2024.4701,"sentiment":"neutral","sentiment_score":0.07568105527510245},{"text":"You're no.","start":2025.25,"end":2027.825,"sentiment":"neutral","sentiment_score":-0.020737809129059315}],"sentiment":"neutral","sentiment_score":0.07110552438017395,"num_words":18,"start":2014.85,"end":2027.825},{"sentences":[{"text":"All good.","start":2027.825,"end":2028.565,"sentiment":"neutral","sentiment_score":0.1871095225214958},{"text":"There is there anything else that you would note down asset wise?","start":2029.0249,"end":2031.7649,"sentiment":"neutral","sentiment_score":0.0454580703129371},{"text":"No.","start":2035.745,"end":2036.245,"sentiment":"neutral","sentiment_score":-0.10943464934825896},{"text":"That's okay.","start":2037.585,"end":2038.4049,"sentiment":"neutral","sentiment_score":0.019750802777707577},{"text":"Income wise, we had you on about a 130,000 last year.","start":2038.625,"end":2042.67,"sentiment":"neutral","sentiment_score":0.016854476437649944}],"sentiment":"neutral","sentiment_score":0.03697078877926937,"num_words":28,"start":2027.825,"end":2042.67},{"sentences":[{"text":"Are you still averaging the same, or is that kinda dropped back a little bit?","start":2042.67,"end":2046.37,"sentiment":"neutral","sentiment_score":-0.04114293133219083},{"text":"Yep.","start":2054.9248,"end":2055.4248,"sentiment":"neutral","sentiment_score":-0.0024074099492281675},{"text":"Yep.","start":2056.845,"end":2057.345,"sentiment":"neutral","sentiment_score":0.043580107390880585},{"text":"Okay.","start":2059.6448,"end":2060.1448,"sentiment":"neutral","sentiment_score":0.14470994472503662},{"text":"Perfect.","start":2060.4448,"end":2060.9448,"sentiment":"neutral","sentiment_score":0.26326924562454224}],"sentiment":"neutral","sentiment_score":-0.008841688536401642,"num_words":19,"start":2042.67,"end":2060.9448},{"sentences":[{"text":"40 thousand.","start":2061.325,"end":2062.2249,"sentiment":"neutral","sentiment_score":0.10351615771651268},{"text":"And contributions in the so far, I can see them going in.","start":2062.365,"end":2065.805,"sentiment":"neutral","sentiment_score":0.06862613620857398},{"text":"It's not really loading for me at the moment, but you were just doing initially $50 per week.","start":2065.805,"end":2070.9302,"sentiment":"neutral","sentiment_score":-0.05774233697189225},{"text":"Are you still doing it that way, or is it being yep.","start":2070.9302,"end":2073.6702,"sentiment":"neutral","sentiment_score":-0.02733477057578663},{"text":"The 12%.","start":2080.305,"end":2081.365,"sentiment":"neutral","sentiment_score":-0.051897551864385605}],"sentiment":"neutral","sentiment_score":-0.00957887969992083,"num_words":46,"start":2061.325,"end":2081.365},{"sentences":[{"text":"Yeah.","start":2081.425,"end":2081.925,"sentiment":"neutral","sentiment_score":-0.00986255705356598},{"text":"Yep.","start":2084.065,"end":2084.565,"sentiment":"neutral","sentiment_score":0.012034164741635324},{"text":"Beautiful.","start":2085.825,"end":2086.325,"sentiment":"positive","sentiment_score":0.6458674073219299},{"text":"Excellent.","start":2086.4648,"end":2086.9648,"sentiment":"positive","sentiment_score":0.636572003364563},{"text":"And you're working through his company now.","start":2087.825,"end":2091.025,"sentiment":"neutral","sentiment_score":0.0705678282039506}],"sentiment":"neutral","sentiment_score":0.16168961961838332,"num_words":11,"start":2081.425,"end":2091.025},{"sentences":[{"text":"So because we originally had you down as a 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absolutely.","start":2260.2302,"end":2261.05,"sentiment":"neutral","sentiment_score":-0.10780113190412521},{"text":"Yeah.","start":2261.75,"end":2262.25,"sentiment":"neutral","sentiment_score":-0.26105645298957825},{"text":"Yeah.","start":2264.085,"end":2264.585,"sentiment":"neutral","sentiment_score":-0.05875634774565697}],"sentiment":"neutral","sentiment_score":-0.04248921573162079,"num_words":6,"start":2242.135,"end":2264.585},{"sentences":[{"text":"Yep.","start":2269.365,"end":2269.865,"sentiment":"neutral","sentiment_score":-0.002832538215443492},{"text":"Yeah.","start":2275.7,"end":2276.0999,"sentiment":"neutral","sentiment_score":0.01137177925556898},{"text":"And are you wanting to you guys planning to sort of keep that long term into retirement to supplement income from super, or do you think you'll probably sell that down the track?","start":2276.0999,"end":2284.8398,"sentiment":"neutral","sentiment_score":0.01503711145822749},{"text":"Yep.","start":2298.0352,"end":2298.435,"sentiment":"neutral","sentiment_score":0.0010427150409668684},{"text":"Yep.","start":2298.435,"end":2298.935,"sentiment":"neutral","sentiment_score":0.03189205378293991}],"sentiment":"neutral","sentiment_score":0.014532396972582146,"num_words":37,"start":2269.365,"end":2298.935},{"sentences":[{"text":"Yes.","start":2302.99,"end":2303.49,"sentiment":"neutral","sentiment_score":0.08601460605859756},{"text":"Yes.","start":2307.55,"end":2308.05,"sentiment":"neutral","sentiment_score":0.09259460866451263},{"text":"Absolutely.","start":2314.445,"end":2314.945,"sentiment":"neutral","sentiment_score":0.12135207653045654},{"text":"Oh, fantastic.","start":2319.165,"end":2320.225,"sentiment":"positive","sentiment_score":0.3533410131931305},{"text":"Yeah.","start":2321.165,"end":2321.485,"sentiment":"neutral","sentiment_score":0.3028825521469116}],"sentiment":"neutral","sentiment_score":0.21825431163112322,"num_words":6,"start":2302.99,"end":2321.485},{"sentences":[{"text":"Absolutely.","start":2321.485,"end":2321.985,"sentiment":"positive","sentiment_score":0.5232909321784973},{"text":"Fantastic.","start":2322.5251,"end":2323.0251,"sentiment":"positive","sentiment_score":0.6005253791809082},{"text":"Well, thank you so much for updating those details.","start":2323.9402,"end":2326.5,"sentiment":"positive","sentiment_score":0.4804125626881917},{"text":"So just to kind of recap, I'll go that's alright.","start":2326.5,"end":2329.4602,"sentiment":"neutral","sentiment_score":0.07507998794317246},{"text":"I'll go back and review your suit for the investments, look at how everything's been working.","start":2329.4602,"end":2333.32,"sentiment":"neutral","sentiment_score":0.059544003335759044}],"sentiment":"neutral","sentiment_score":0.19327117049613515,"num_words":37,"start":2321.485,"end":2333.32},{"sentences":[{"text":"I'll update some advice for you.","start":2334.26,"end":2336.02,"sentiment":"neutral","sentiment_score":0.041143725315729775},{"text":"I'll just retain your insurances as they are, not looking to get any new cover with income protection or trauma.","start":2336.02,"end":2341.155,"sentiment":"neutral","sentiment_score":-0.0053056961391121146},{"text":"I'll scope those out for now.","start":2341.155,"end":2342.695,"sentiment":"neutral","sentiment_score":0.02109938922027747},{"text":"We can always come back and review those down the track there.","start":2342.8352,"end":2345.655,"sentiment":"neutral","sentiment_score":0.046079838648438454},{"text":"Inside that email, you've got those documents that went through giving you your balance and your performance there.","start":2346.3552,"end":2350.915,"sentiment":"neutral","sentiment_score":0.051121237170365125}],"sentiment":"neutral","sentiment_score":0.028072340278736046,"num_words":62,"start":2334.26,"end":2350.915},{"sentences":[{"text":"I'm always open to let you know when something isn't you're tracking well.","start":2350.915,"end":2354.43,"sentiment":"neutral","sentiment_score":0.05186570822619475},{"text":"When there is a downtime, I'll stand forefront and go, look.","start":2354.43,"end":2357.15,"sentiment":"neutral","sentiment_score":-0.014118080958724022},{"text":"It is a downtime.","start":2357.15,"end":2358.13,"sentiment":"neutral","sentiment_score":-0.05229560984298587},{"text":"Right now, it is what it is.","start":2358.3499,"end":2359.8699,"sentiment":"neutral","sentiment_score":-0.1492958962917328},{"text":"We don't like it, but it is here.","start":2359.8699,"end":2361.73,"sentiment":"neutral","sentiment_score":-0.20645845029503107}],"sentiment":"neutral","sentiment_score":-0.055510837194878,"num_words":43,"start":2350.915,"end":2361.73},{"sentences":[{"text":"So we just kind of, you know, track forward and see how we are going.","start":2362.51,"end":2366.3699,"sentiment":"neutral","sentiment_score":0.11047850598891576},{"text":"I'll update the advice to reflect for you, and we do also have the financial services guide in that email and also your ongoing service agreement as well.","start":2367.055,"end":2374.735,"sentiment":"neutral","sentiment_score":0.09292959847620555},{"text":"So you do pay the ongoing service fee for our services.","start":2374.735,"end":2377.455,"sentiment":"neutral","sentiment_score":0.057377532801844856},{"text":"It is 1.65% per annum and is deducting smaller monthly increments from your super debt.","start":2377.455,"end":2383.04,"sentiment":"neutral","sentiment_score":0.058001217991113664},{"text":"So if you're happy to stay on board for another year and want me to do the advice, I'll get you to sign a return that fast.","start":2383.04,"end":2388.6602,"sentiment":"neutral","sentiment_score":0.056380136145485774}],"sentiment":"neutral","sentiment_score":0.07586084535190214,"num_words":96,"start":2362.51,"end":2388.6602},{"sentences":[{"text":"But feel free to have a look through those documents there.","start":2389.28,"end":2391.6802,"sentiment":"neutral","sentiment_score":0.09452448378909718},{"text":"And if you find you have any other questions or if there's something I haven't touched on, let me know.","start":2391.6802,"end":2396.325,"sentiment":"neutral","sentiment_score":0.07034625243395567},{"text":"We can always come back and check again.","start":2396.325,"end":2398.345,"sentiment":"neutral","sentiment_score":-0.0037172925658524036},{"text":"Okay.","start":2398.565,"end":2399.065,"sentiment":"neutral","sentiment_score":0.04208696633577347},{"text":"Excellent.","start":2401.525,"end":2402.005,"sentiment":"positive","sentiment_score":0.4676686823368073}],"sentiment":"neutral","sentiment_score":0.07138321167085229,"num_words":41,"start":2389.28,"end":2402.005},{"sentences":[{"text":"Not a problem.","start":2402.005,"end":2402.9849,"sentiment":"neutral","sentiment_score":-0.027420898899435997},{"text":"Anytime.","start":2403.445,"end":2403.945,"sentiment":"neutral","sentiment_score":0.2616901397705078},{"text":"You have a great afternoon with your kids.","start":2404.085,"end":2406.005,"sentiment":"positive","sentiment_score":0.8135393336415291},{"text":"Good luck.","start":2406.005,"end":2406.4849,"sentiment":"positive","sentiment_score":0.6978117525577545},{"text":"I will definitely talk to you before Bob comes along, but I'm very excited for you guys.","start":2406.4849,"end":2410.7449,"sentiment":"positive","sentiment_score":0.42927005624069886}],"sentiment":"positive","sentiment_score":0.4961598894648975,"num_words":31,"start":2402.005,"end":2410.7449},{"sentences":[{"text":"Oh, good.","start":2413.16,"end":2413.98,"sentiment":"neutral","sentiment_score":0.3071990832686424},{"text":"Yeah.","start":2414.92,"end":2415.42,"sentiment":"neutral","sentiment_score":0.20037874579429624},{"text":"Well done.","start":2417.16,"end":2417.64,"sentiment":"positive","sentiment_score":0.5773227512836456},{"text":"I'll talk to you in a couple of weeks.","start":2417.64,"end":2418.92,"sentiment":"neutral","sentiment_score":0.29620007673899335},{"text":"Thank you so much, Erin.","start":2418.92,"end":2420.1199,"sentiment":"positive","sentiment_score":0.7687620162963867}],"sentiment":"positive","sentiment_score":0.4462649045806182,"num_words":19,"start":2413.16,"end":2420.1199},{"sentences":[{"text":"Talk to you soon.","start":2420.1199,"end":2421.0798,"sentiment":"positive","sentiment_score":0.5291086286306381},{"text":"See you later.","start":2421.0798,"end":2421.98,"sentiment":"positive","sentiment_score":0.39166612426439923},{"text":"Bye.","start":2422.44,"end":2422.94,"sentiment":"neutral","sentiment_score":-0.13002921640872955}],"sentiment":"positive","sentiment_score":0.39517545886337757,"num_words":8,"start":2420.1199,"end":2422.94}]}}]},{"alternatives":[{"transcript":"Hi, Dana. How are you? Well, thanks. Yes. Yes. Sorry. I hope you can hear me as well. Oh, okay. No. I'm I am just gonna find oh, let's see there. Yeah. Oh, okay. Hang on, Sorry. I've just gotten to my sister's, and we've got a few kids at our feet. Can we can we play after? Yes. Okay. I'm just on the phone. Yes. Yep. Mhmm. Yep. No. No. I did ring no. No. No. No. It's okay. I did ring your reception. No. It's actually good because someone can watch my cuddler. So today's no. It's an hour's fine. Okay. No. No. I do. Yep. Yeah. That's fine. Alright. Here we go. Let's see. Oh, yeah. I can hear you again. Sorry. Oh, sorry. Let me see if I can I might go outside? That might be better. We're in we've gone a bit rural. I'll sit out. Yes. Yes. Sorry. That's fine. That's fine. Erin Kate Prinke. 3011 '93. Yep. Yep. Oh, look. Just yeah. Look. Just given look. My shares did not fit like, not my shares. Sorry. My super didn't do anything in the last twelve months just given the state of the world, which so I am a little bit more cautious going forward. So I'm open to suggestions and, like, from what I can see, like, interest in the banks, pretty reasonable as well. So I'm happy I mean, if we don't do anything, that's okay. But, yeah, happy to yep. Yep. Yep. Yep. Yeah. I'm happy to do that. I'm yeah. That's that sounds good. Thank you. Because it's yep. Yep. Yes. Yes. Yes. Yep. Yep. Yep. Yep. Yep. Yeah. No. That sounds good. That sounds good. I sorry. You did ask me last time we booked the appointment if anything, like, significant has changed financially, and I I said no. But I have inherited some some money from my dad. Like, it's not a fortune, but I I just savings account. So I don't know if there's anything I should or need to do with that. And and my husband and I have just bought a industrial block in Roma where we live, so we've, like, increased our debt a little bit. We've we were able to pay with for a lot of it with cash given the sale of my of our previous house in town went through last year. So two big two pretty big significantly. Yeah. Yeah. We don't have a lot, which is very fortunate. Mhmm. Yep. I was 50. Yep. Yeah. This is. No. Not at all. I will put a bit of that to offset the loan of the industrial block, but there should we probably will only owe 70 or $80 on that. My husband's gonna put it's a 130 plus fees. And I think, yeah, my husband's probably gonna put about 40 or 50 on that. So so I was gonna I will offset that once it's once it's settled. It hasn't it hasn't settled yet. Mhmm. Potentially, use it in the shorter term. Like like, we're planning to grow the our family, and I'd love to have money aside to pay for, like, boarding school or dental fees and just the just the the, you know, the stuff that I might come up within the next, say, ten to fifteen years. I think super like, I'm with I'm working essentially one day a week, so I am making like, small contributions are being made to super. And I probably didn't wanna put all my eggs into my super basket to then I mean, like, the who knows what the retirement age will be when we get to that stage of our lives anyway. And as far as I'm aware, you can't touch it any sooner. So so sorry. My point is that I'm probably not too fussed on, like, really, really maximizing it yet, whereas, like, we'd like to take some time off in the next few years and travel Australia and stuff with kids, so there will be some cost more short term, I suppose. And yeah. Mhmm. Mhmm. Yep. I know. I feel like it's the kindest thing you can do to your kids if they need braces. Right? Yeah. Yeah. Yeah. I just feel like it is a it is a good investment in in kids, and I'd I'd hate for us to have to miss out on that. So, like, that's a big factor. You know? You gotta consider these things. Can you pay for the dental? Yeah. Yep. Yep. Yep. Mhmm. Mhmm. Mhmm. Yeah. That's the other thing, like, what's gonna happen with with interest rates? Because it just seems like like inflation just can't keep going the way it is. So that's probably got my husband and I a little bit cautious on what we do, hence why we've sort of not maxed out loans on anything, I suppose. We're probably pretty conservative in that sense. But yeah. Yep. Yes. Yep. Mhmm. Yep. Yeah. Yep. Yep. Yep. Yes. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Let's have a look. Let's see if I've got it first. That's a good start. Okay. Annual review. Oh, no. That's what's in the last year. With my I'm on my phone, so I'd not everything's loading, I don't think. I've only just got the two recent emails just to see if you're a question and sorry. Sorry. Yep. Mhmm. Mhmm. Yep. Mhmm. Okay. Okay. No. No. No. I'll I'm leaving a note on my phone to have a look at this because that is quite interesting. But then also, I might oh, well, they say I might I don't know what they're doing. Yep. Yep. Okay. Mhmm. Yep. Yep. Yeah. Yep. Yeah. Interesting. Okay. Yep. Yep. Yeah. Definitely. Like, my because I've got my husband onto you guys after I moved. Like, you guys suggested we moved to net Netwealth, and I was based on, like, his advice and what he was you know, his situation, he got put in a completely different financial. I was like, oh, that's probably why they get paid the big bucks because they you know, it's but in I was like, no. You need that. Well, it's so good. But, no, I'm happy to, yes, definitely have a look at, yes, what might be best. And and I don't mind being a little bit more, like like, radical, I guess, is the word because I'm only thirty thirty two. So I'm happy to be a bit more high risk or just a bit more high risk, you know, for the next even ten years at least, you know, just maximizing that and then and then moving to safer investments, you know, a bit more up there. Yeah. Yeah. Mhmm. Yep. Yep. Yep. Yeah. Okay. Yep. Yep. Yep. Yep. Interesting. Mhmm. Yep. Yep. No. That's fine. Yeah. Yeah. Yep. Yep. Mhmm. Yep. Yep. Hold on. Yep. Yeah. No. That sounds good. Thank you. Yes. No. No. That's okay. Thanks, Dana. It's all good. Yep. Mhmm. Yes. Yep. Yep. Yeah. No. That's fine. Thanks, Dana. Yes. Yep. Yes. Yep. No. That's great. Thank you. Cool. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Probably, like, because Jeff and I are pretty financially secure. We've we've sort of both said that any anything we have personally, like, not not have joined home, but anything we have personally will go to probably to our kids. And we have we have actually, through the advice of you guys, done our bills and EPOS and stuff this year. So we'll set up we've set up a trust plan. There will be a trust set up, like, in the case of either of us passing early. So no. Basically, like and if anything were to happen to either of us, like, my the kids will go to my sister. So any like like I said, if you like school, yeah, school fees and any extra, yeah, costs that they might incur raising a few extra. Yes. No. It was a long process. Hello? Oh, sorry. Sorry. Yep. Yes. Yeah. That's fine. Yeah. That's fine. Yep. Yep. Yeah. I think so, Dana. We can increase that if I get out you know, when I get older, but, no, all good for now. Thank you. Yep. December. They did it for a while yet, but, no, it'll be a humbling experience, I'm sure, having a toddler and a and a and a new baby. Mhmm. Yeah. I I think I'm I'm okay for income protection for now. Like and I've I do have some savings and a rainy day account, plus plus I yeah. No. I think I think we'll be okay for income protection. And, like and I'm not earning a lot of money at the moment, actually, so that's that's probably not worth much protecting. Yes. Yes. Yes. That's right. That's what we've yes. That's what we've justified. Yep. Yeah. Right. Yep. Yes. Yes. Yep. Yep. Yes. Yep. No. Probably not child trauma, but definitely, the bonds might be something we can chat about when there's number twos on the ground. Yes. Yes. Oh, god. Okay. Yep. Yeah. Okay. Yep. Okay. Yep. Yep. Yep. Yep. Yeah. K. Yep. Yep. Yeah. Okay. Okay. Let me just try this down. Yep. Yep. Yeah. Yes. Yep. Yep. Yep. Yep. No. That sounds good. Because I there is no. Sorry. I'm just writing this down about the bond. But, no, I think, like, Jack well, Jack's working away for work at the moment for the next few weeks, but I no. I would like to probably have him there with the with the next one. Because I would like to do something with because the because, like, Angus is getting some money from his grandparents and, yes, would like to make a little bit of an opportunity out of it. Yep. Yep. Yeah. Yeah. I know. I know. The state oh, yeah. Yes. God. I think they'll have to live with us forever. That's the way it's going. Yeah. Yeah. Yeah. I thought somewhere that it's the second biggest lender in Australia at the moment or, like, in the top, yeah, top five anyway of the biggest banks, Bank of Mom and Dad. Yeah. Yeah. Interesting. Interesting. It'll be it's a long settlement, a ninety day settlement, so at least another sixty days. Yeah. Yeah. Let's see. Yeah. All I can tell you is a square meterage, and it was let me just see if this is right. So it's $35 a square meter. I think it was about 3,000 square three and a half. I think it'll be it's about three and a half square meters and 35 square meter. Yeah. It'll be about a 120, 130. And I just have to because he's the one that did the wheel and deal on that one. But and then it'll be plus, like, plus fees as well. Yeah. Yes. Mhmm. Mhmm. Mhmm. Yeah. We haven't had a recent evaluation, but we were saying the other day, like, probably 1.3, one point keep it at 1.2. The market's lifestyle blocks around Roma and probably probably further out as well. But, yeah, those kind of properties are sitting a lot longer on the market. So maybe what it values at and what it would go for at the auction or offer would be very different. But, yeah, we'd hope it would be valued around 1.2. No. No. That's paid off. Yep. Yep. Yeah. Plus yeah. Plus the oh god. What's the word that it depreciation. Sorry. Word finding difficulty. Yep. Depreciate plus depreciation. I would hope it would still get, like, mid fifties at the yeah. Because it's the older style. Yeah. Yeah. Yeah. Well, the new Prados I don't know. I've I've heard some mixed reviews about the new Prado, so I don't know how they'll go. Anyway, that's what I'll tell myself anyway. Yes. Yeah. That's still got the old Prado. Yeah. Let's do that. Let's do 50 5. I'll go go low. Yep. Yep. Yes. Yeah. Plus that's a good question. Including the money from my dad is about is 55. Yeah. Yeah. Look. Let's keep that. Yeah. Look. I I definitely I definitely haven't bought anything just yet. But if it's a girl, it might have to have some girl clothes, but, otherwise, it'll be the same setup. But no. Nothing. No big no big contents purchases that really need adding, I would have thought. Oh, sorry. It is a oh, sorry. Sorry. I swear I'm not moving. I'm hanging on to my one bar. No. No. Hang on to one bar. No. No. I don't no. I don't think so. No. All good. No. No. No. Sorry. I no. I'm getting paid by so I'm working out of or under the my husband's company in a under a separate business. So I'm getting I'm earning $40 a year. Yep. Yes. No. I'm not doing that anymore just because I'm not making as much money, but, no, my husband's just paying us whatever the rate is for super when he, yeah, what he what he pays us when he pays us once a month. Yep. Mhmm. Yes. Yeah. So it's still yeah. No. No. So it's still still Physio, but I've just set the business under his company. So Mariner or Physio is still operating as, a yeah. As a zone business just under the company banner. Yeah. Yes. Yes. Oh, no. Hello? No. No. What was the retirement age, did you say? Sorry? Oh, 60. Yes. Yes. Sixties. Sixties. Right? I mean, I don't know what the official retirement age will be when when we get there, but no. If we're in a financial position yeah. No. That'll be no. No. I mean, physio is not too bad and too hard on the mind or body. So my builder my builder husband will probably be ready to call it quits. Yep. Yeah. Yep. No. No. We will probably just con like, continue to still live oh, I mean, conservative makes us sound really boring, but we we would like to, in the next, yeah, five years, I think, like I said this before, just, like, take a few years off. So we do wanna just save towards those experiences and keep our material purchases to a minimum. Like, this was a big financial goal for my husband to buy industrial property, so we will we will develop that over the next few years. Like, we'll build a shed on it and hopefully rent it out, and that provide a bit of extra income. And if I can just keep saving away and I mean, I'd love to buy an investment house further east, but it's just getting more and more unachievable, really. Like, I think the average house price in Toowoomba's, oh my god, double in the last ten years. Anyhow, it's disgusting. Anyway yeah. So, no, that's probably our immediate financial goal is to develop this industrial block, sorry, and and rent that out for an extra income. Oh, yeah. Look. Depends what happens. Like, the, like, I guess, industrial industry is growing slowly. Like, there are a lot of vacant industrial blocks, so it was a bit of a gamble, but it was it was quite cheap. So, look, we will hold on to it if it's if it's getting rented probably long term because we'd like to just see it provide us a, yeah, a bit of extra income. And if something better comes along, we can sell that and get rid of it. Go move on to something better. No. No. Thanks for your time. Yep. Yes. No. That'll be yeah. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yep. No. No. That's great. Yep. No. No. That's very thorough. Thanks. Thanks very much, Dana. Thanks for your time. Yes. Oh, thank you. Thank you. Yeah. Take care of yourself, and we'll thanks. Thanks, Dana. Alright. 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Dana. How are you? Well, thanks. Yes. Yes.\n\nSorry. I hope you can hear me as well. Oh, okay. No. I'm I am just gonna find oh, let's see there.\n\nYeah. Oh, okay. Hang on, Sorry. I've just gotten to my sister's, and we've got a few kids at our feet. Can we can we play after?\n\nYes. Okay. I'm just on the phone. Yes. Yep.\n\nMhmm. Yep. No. No. I did ring no.\n\nNo. No. No. It's okay. I did ring your reception.\n\nNo. It's actually good because someone can watch my cuddler. So today's no. It's an hour's fine. Okay.\n\nNo. No. I do. Yep. Yeah.\n\nThat's fine. Alright. Here we go. Let's see. Oh, yeah.\n\nI can hear you again. Sorry. Oh, sorry. Let me see if I can I might go outside? That might be better.\n\nWe're in we've gone a bit rural. I'll sit out. Yes. Yes. Sorry.\n\nThat's fine. That's fine. Erin Kate Prinke. 3011 '93. Yep.\n\nYep. Oh, look. Just yeah. Look. Just given look.\n\nMy shares did not fit like, not my shares. Sorry. My super didn't do anything in the last twelve months just given the state of the world, which so I am a little bit more cautious going forward. So I'm open to suggestions and, like, from what I can see, like, interest in the banks, pretty reasonable as well. So I'm happy I mean, if we don't do anything, that's okay.\n\nBut, yeah, happy to yep. Yep. Yep. Yep. Yeah.\n\nI'm happy to do that. I'm yeah. That's that sounds good. Thank you. Because it's yep.\n\nYep. Yes. Yes. Yes. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nNo. That sounds good. That sounds good. I sorry. You did ask me last time we booked the appointment if anything, like, significant has changed financially, and I I said no.\n\nBut I have inherited some some money from my dad. Like, it's not a fortune, but I I just savings account. So I don't know if there's anything I should or need to do with that. And and my husband and I have just bought a industrial block in Roma where we live, so we've, like, increased our debt a little bit. We've we were able to pay with for a lot of it with cash given the sale of my of our previous house in town went through last year.\n\nSo two big two pretty big significantly. Yeah. Yeah. We don't have a lot, which is very fortunate. Mhmm.\n\nYep. I was 50. Yep. Yeah. This is.\n\nNo. Not at all. I will put a bit of that to offset the loan of the industrial block, but there should we probably will only owe 70 or $80 on that. My husband's gonna put it's a 130 plus fees. And I think, yeah, my husband's probably gonna put about 40 or 50 on that.\n\nSo so I was gonna I will offset that once it's once it's settled. It hasn't it hasn't settled yet. Mhmm. Potentially, use it in the shorter term. Like like, we're planning to grow the our family, and I'd love to have money aside to pay for, like, boarding school or dental fees and just the just the the, you know, the stuff that I might come up within the next, say, ten to fifteen years.\n\nI think super like, I'm with I'm working essentially one day a week, so I am making like, small contributions are being made to super. And I probably didn't wanna put all my eggs into my super basket to then I mean, like, the who knows what the retirement age will be when we get to that stage of our lives anyway. And as far as I'm aware, you can't touch it any sooner. So so sorry. My point is that I'm probably not too fussed on, like, really, really maximizing it yet, whereas, like, we'd like to take some time off in the next few years and travel Australia and stuff with kids, so there will be some cost more short term, I suppose.\n\nAnd yeah. Mhmm. Mhmm. Yep. I know.\n\nI feel like it's the kindest thing you can do to your kids if they need braces. Right? Yeah. Yeah. Yeah.\n\nI just feel like it is a it is a good investment in in kids, and I'd I'd hate for us to have to miss out on that. So, like, that's a big factor. You know? You gotta consider these things. Can you pay for the dental?\n\nYeah. Yep. Yep. Yep. Mhmm.\n\nMhmm. Mhmm. Yeah. That's the other thing, like, what's gonna happen with with interest rates? Because it just seems like like inflation just can't keep going the way it is.\n\nSo that's probably got my husband and I a little bit cautious on what we do, hence why we've sort of not maxed out loans on anything, I suppose. We're probably pretty conservative in that sense. But yeah. Yep. Yes.\n\nYep. Mhmm. Yep. Yeah. Yep.\n\nYep. Yep. Yes. Yes. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Let's have a look. Let's see if I've got it first. That's a good start. Okay.\n\nAnnual review. Oh, no. That's what's in the last year. With my I'm on my phone, so I'd not everything's loading, I don't think. I've only just got the two recent emails just to see if you're a question and sorry.\n\nSorry. Yep. Mhmm. Mhmm. Yep.\n\nMhmm. Okay. Okay. No. No.\n\nNo. I'll I'm leaving a note on my phone to have a look at this because that is quite interesting. But then also, I might oh, well, they say I might I don't know what they're doing. Yep. Yep.\n\nOkay. Mhmm. Yep. Yep. Yeah.\n\nYep. Yeah. Interesting. Okay. Yep.\n\nYep. Yeah. Definitely. Like, my because I've got my husband onto you guys after I moved. Like, you guys suggested we moved to net Netwealth, and I was based on, like, his advice and what he was you know, his situation, he got put in a completely different financial.\n\nI was like, oh, that's probably why they get paid the big bucks because they you know, it's but in I was like, no. You need that. Well, it's so good. But, no, I'm happy to, yes, definitely have a look at, yes, what might be best. And and I don't mind being a little bit more, like like, radical, I guess, is the word because I'm only thirty thirty two.\n\nSo I'm happy to be a bit more high risk or just a bit more high risk, you know, for the next even ten years at least, you know, just maximizing that and then and then moving to safer investments, you know, a bit more up there. Yeah. Yeah. Mhmm. Yep.\n\nYep. Yep. Yeah. Okay. Yep.\n\nYep. Yep. Yep. Interesting. Mhmm.\n\nYep. Yep. No. That's fine. Yeah.\n\nYeah. Yep. Yep. Mhmm. Yep.\n\nYep. Hold on. Yep. Yeah. No.\n\nThat sounds good. Thank you. Yes. No. No.\n\nThat's okay. Thanks, Dana. It's all good. Yep. Mhmm.\n\nYes. Yep. Yep. Yeah. No.\n\nThat's fine. Thanks, Dana. Yes. Yep. Yes.\n\nYep. No. That's great. Thank you. Cool.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYeah. Yep. Probably, like, because Jeff and I are pretty financially secure. We've we've sort of both said that any anything we have personally, like, not not have joined home, but anything we have personally will go to probably to our kids. And we have we have actually, through the advice of you guys, done our bills and EPOS and stuff this year.\n\nSo we'll set up we've set up a trust plan. There will be a trust set up, like, in the case of either of us passing early. So no. Basically, like and if anything were to happen to either of us, like, my the kids will go to my sister. So any like like I said, if you like school, yeah, school fees and any extra, yeah, costs that they might incur raising a few extra.\n\nYes. No. It was a long process. Hello? Oh, sorry.\n\nSorry. Yep. Yes. Yeah. That's fine.\n\nYeah. That's fine. Yep. Yep. Yeah.\n\nI think so, Dana. We can increase that if I get out you know, when I get older, but, no, all good for now. Thank you. Yep. December.\n\nThey did it for a while yet, but, no, it'll be a humbling experience, I'm sure, having a toddler and a and a and a new baby. Mhmm. Yeah. I I think I'm I'm okay for income protection for now. Like and I've I do have some savings and a rainy day account, plus plus I yeah.\n\nNo. I think I think we'll be okay for income protection. And, like and I'm not earning a lot of money at the moment, actually, so that's that's probably not worth much protecting. Yes. Yes.\n\nYes. That's right. That's what we've yes. That's what we've justified. Yep.\n\nYeah. Right. Yep. Yes. Yes.\n\nYep. Yep. Yes. Yep. No.\n\nProbably not child trauma, but definitely, the bonds might be something we can chat about when there's number twos on the ground. Yes. Yes. Oh, god. Okay.\n\nYep. Yeah. Okay. Yep. Okay.\n\nYep. Yep. Yep. Yep. Yeah.\n\nK. Yep. Yep. Yeah. Okay.\n\nOkay. Let me just try this down. Yep. Yep. Yeah.\n\nYes. Yep. Yep. Yep. Yep.\n\nNo. That sounds good. Because I there is no. Sorry. I'm just writing this down about the bond.\n\nBut, no, I think, like, Jack well, Jack's working away for work at the moment for the next few weeks, but I no. I would like to probably have him there with the with the next one. Because I would like to do something with because the because, like, Angus is getting some money from his grandparents and, yes, would like to make a little bit of an opportunity out of it. Yep. Yep.\n\nYeah. Yeah. I know. I know. The state oh, yeah.\n\nYes. God. I think they'll have to live with us forever. That's the way it's going. Yeah.\n\nYeah. Yeah. I thought somewhere that it's the second biggest lender in Australia at the moment or, like, in the top, yeah, top five anyway of the biggest banks, Bank of Mom and Dad. Yeah. Yeah.\n\nInteresting. Interesting. It'll be it's a long settlement, a ninety day settlement, so at least another sixty days. Yeah. Yeah.\n\nLet's see. Yeah. All I can tell you is a square meterage, and it was let me just see if this is right. So it's $35 a square meter. I think it was about 3,000 square three and a half.\n\nI think it'll be it's about three and a half square meters and 35 square meter. Yeah. It'll be about a 120, 130. And I just have to because he's the one that did the wheel and deal on that one. But and then it'll be plus, like, plus fees as well.\n\nYeah. Yes. Mhmm. Mhmm. Mhmm.\n\nYeah. We haven't had a recent evaluation, but we were saying the other day, like, probably 1.3, one point keep it at 1.2. The market's lifestyle blocks around Roma and probably probably further out as well. But, yeah, those kind of properties are sitting a lot longer on the market. So maybe what it values at and what it would go for at the auction or offer would be very different.\n\nBut, yeah, we'd hope it would be valued around 1.2. No. No. That's paid off. Yep.\n\nYep. Yeah. Plus yeah. Plus the oh god. What's the word that it depreciation.\n\nSorry. Word finding difficulty. Yep. Depreciate plus depreciation. I would hope it would still get, like, mid fifties at the yeah.\n\nBecause it's the older style. Yeah. Yeah. Yeah. Well, the new Prados I don't know.\n\nI've I've heard some mixed reviews about the new Prado, so I don't know how they'll go. Anyway, that's what I'll tell myself anyway. Yes. Yeah. That's still got the old Prado.\n\nYeah. Let's do that. Let's do 50 5. I'll go go low. Yep.\n\nYep. Yes. Yeah. Plus that's a good question. Including the money from my dad is about is 55.\n\nYeah. Yeah. Look. Let's keep that. Yeah.\n\nLook. I I definitely I definitely haven't bought anything just yet. But if it's a girl, it might have to have some girl clothes, but, otherwise, it'll be the same setup. But no. Nothing.\n\nNo big no big contents purchases that really need adding, I would have thought. Oh, sorry. It is a oh, sorry. Sorry. I swear I'm not moving.\n\nI'm hanging on to my one bar. No. No. Hang on to one bar. No.\n\nNo. I don't no. I don't think so. No. All good.\n\nNo. No. No. Sorry. I no.\n\nI'm getting paid by so I'm working out of or under the my husband's company in a under a separate business. So I'm getting I'm earning $40 a year. Yep. Yes. No.\n\nI'm not doing that anymore just because I'm not making as much money, but, no, my husband's just paying us whatever the rate is for super when he, yeah, what he what he pays us when he pays us once a month. Yep. Mhmm. Yes. Yeah.\n\nSo it's still yeah. No. No. So it's still still Physio, but I've just set the business under his company. So Mariner or Physio is still operating as, a yeah.\n\nAs a zone business just under the company banner. Yeah. Yes. Yes. Oh, no.\n\nHello? No. No. What was the retirement age, did you say? Sorry?\n\nOh, 60. Yes. Yes. Sixties. Sixties.\n\nRight? I mean, I don't know what the official retirement age will be when when we get there, but no. If we're in a financial position yeah. No. That'll be no.\n\nNo. I mean, physio is not too bad and too hard on the mind or body. So my builder my builder husband will probably be ready to call it quits. Yep. Yeah.\n\nYep. No. No. We will probably just con like, continue to still live oh, I mean, conservative makes us sound really boring, but we we would like to, in the next, yeah, five years, I think, like I said this before, just, like, take a few years off. So we do wanna just save towards those experiences and keep our material purchases to a minimum.\n\nLike, this was a big financial goal for my husband to buy industrial property, so we will we will develop that over the next few years. Like, we'll build a shed on it and hopefully rent it out, and that provide a bit of extra income. And if I can just keep saving away and I mean, I'd love to buy an investment house further east, but it's just getting more and more unachievable, really. Like, I think the average house price in Toowoomba's, oh my god, double in the last ten years. Anyhow, it's disgusting.\n\nAnyway yeah. So, no, that's probably our immediate financial goal is to develop this industrial block, sorry, and and rent that out for an extra income. Oh, yeah. Look. Depends what happens.\n\nLike, the, like, I guess, industrial industry is growing slowly. Like, there are a lot of vacant industrial blocks, so it was a bit of a gamble, but it was it was quite cheap. So, look, we will hold on to it if it's if it's getting rented probably long term because we'd like to just see it provide us a, yeah, a bit of extra income. And if something better comes along, we can sell that and get rid of it. Go move on to something better.\n\nNo. No. Thanks for your time. Yep. Yes.\n\nNo. That'll be yeah. Yep. Yep. Yep.\n\nYep. Yes. Yep. Yep. Yep.\n\nYep. Yep. No. No. That's great.\n\nYep. No. No. That's very thorough. Thanks.\n\nThanks very much, Dana. Thanks for your time. Yes. Oh, thank you. Thank you.\n\nYeah. Take care of yourself, and we'll thanks. Thanks, Dana. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Dana.","start":6.08,"end":6.98,"sentiment":"neutral","sentiment_score":0.16034839302301407},{"text":"How are you?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.1631884922583898},{"text":"Well, thanks.","start":10.0,"end":10.82,"sentiment":"neutral","sentiment_score":0.13403043895959854},{"text":"Yes.","start":11.679999,"end":12.165,"sentiment":"neutral","sentiment_score":0.07937987148761749},{"text":"Yes.","start":12.325,"end":12.725,"sentiment":"neutral","sentiment_score":0.05825220420956611}],"sentiment":"neutral","sentiment_score":0.1351061351597309,"num_words":9,"start":6.08,"end":12.725},{"sentences":[{"text":"Sorry.","start":12.725,"end":13.225,"sentiment":"neutral","sentiment_score":0.0431092232465744},{"text":"I hope you can hear me as well.","start":13.365,"end":15.225,"sentiment":"neutral","sentiment_score":0.03717652382329106},{"text":"Oh, okay.","start":19.925,"end":20.665,"sentiment":"neutral","sentiment_score":0.06299295276403427},{"text":"No.","start":20.724998,"end":21.125,"sentiment":"neutral","sentiment_score":-0.07808877527713776},{"text":"I'm I am just gonna find oh, let's see there.","start":21.125,"end":26.965,"sentiment":"neutral","sentiment_score":-0.03387558097019792}],"sentiment":"neutral","sentiment_score":0.002257397017357024,"num_words":22,"start":12.725,"end":26.965},{"sentences":[{"text":"Yeah.","start":26.965,"end":27.465,"sentiment":"neutral","sentiment_score":0.005569828674197197},{"text":"Oh, okay.","start":29.300001,"end":29.86,"sentiment":"neutral","sentiment_score":0.007083033910021186},{"text":"Hang on, Sorry.","start":29.86,"end":31.380001,"sentiment":"neutral","sentiment_score":-0.024232436592380207},{"text":"I've just gotten to my sister's, and we've got a few kids at our feet.","start":31.380001,"end":35.08,"sentiment":"neutral","sentiment_score":-0.011057925472656886},{"text":"Can we can we play after?","start":35.3,"end":36.92,"sentiment":"neutral","sentiment_score":-0.014462581913297376}],"sentiment":"neutral","sentiment_score":-0.011318732846390319,"num_words":27,"start":26.965,"end":36.92},{"sentences":[{"text":"Yes.","start":37.22,"end":37.72,"sentiment":"neutral","sentiment_score":0.020250938832759857},{"text":"Okay.","start":37.78,"end":38.28,"sentiment":"neutral","sentiment_score":0.027414165437221527},{"text":"I'm just on the phone.","start":38.42,"end":39.72,"sentiment":"neutral","sentiment_score":0.03490560948848724},{"text":"Yes.","start":40.425003,"end":40.925003,"sentiment":"neutral","sentiment_score":0.052439600229263306},{"text":"Yep.","start":41.465,"end":41.965,"sentiment":"neutral","sentiment_score":0.0642465204000473}],"sentiment":"neutral","sentiment_score":0.037653252482414246,"num_words":9,"start":37.22,"end":41.965},{"sentences":[{"text":"Mhmm.","start":44.105,"end":44.605,"sentiment":"neutral","sentiment_score":0.010587058030068874},{"text":"Yep.","start":48.025,"end":48.525,"sentiment":"neutral","sentiment_score":0.00459620263427496},{"text":"No.","start":52.265,"end":52.585,"sentiment":"neutral","sentiment_score":-0.06819513440132141},{"text":"No.","start":52.585,"end":52.985,"sentiment":"neutral","sentiment_score":-0.07591778039932251},{"text":"I did ring no.","start":52.985,"end":54.185,"sentiment":"neutral","sentiment_score":-0.02576656057499349}],"sentiment":"neutral","sentiment_score":-0.028999487054534256,"num_words":8,"start":44.105,"end":54.185},{"sentences":[{"text":"No.","start":54.185,"end":54.425003,"sentiment":"neutral","sentiment_score":-0.06329892575740814},{"text":"No.","start":54.425003,"end":54.665,"sentiment":"neutral","sentiment_score":-0.07704514265060425},{"text":"No.","start":54.665,"end":54.825,"sentiment":"neutral","sentiment_score":-0.08640116453170776},{"text":"It's okay.","start":54.825,"end":55.645,"sentiment":"neutral","sentiment_score":-0.024054904468357563},{"text":"I did ring your reception.","start":55.820004,"end":57.280003,"sentiment":"neutral","sentiment_score":0.013350561261177063}],"sentiment":"neutral","sentiment_score":-0.020810223557054995,"num_words":10,"start":54.185,"end":57.280003},{"sentences":[{"text":"No.","start":57.74,"end":58.06,"sentiment":"neutral","sentiment_score":-0.024210112169384956},{"text":"It's actually good because someone can watch my cuddler.","start":58.06,"end":60.460003,"sentiment":"neutral","sentiment_score":0.055656806462340884},{"text":"So today's no.","start":60.460003,"end":62.38,"sentiment":"neutral","sentiment_score":0.07500306889414787},{"text":"It's an hour's fine.","start":62.38,"end":63.600002,"sentiment":"neutral","sentiment_score":0.055112725123763084},{"text":"Okay.","start":68.65501,"end":69.15501,"sentiment":"neutral","sentiment_score":0.03787434846162796}],"sentiment":"neutral","sentiment_score":0.0533353112017115,"num_words":18,"start":57.74,"end":69.15501},{"sentences":[{"text":"No.","start":72.815,"end":73.135,"sentiment":"neutral","sentiment_score":-0.05226833000779152},{"text":"No.","start":73.135,"end":73.295006,"sentiment":"neutral","sentiment_score":-0.055199481546878815},{"text":"I do.","start":73.295006,"end":73.955,"sentiment":"neutral","sentiment_score":-0.047721194103360176},{"text":"Yep.","start":75.375,"end":75.875,"sentiment":"neutral","sentiment_score":0.17840704321861267},{"text":"Yeah.","start":84.34,"end":84.579994,"sentiment":"neutral","sentiment_score":0.13133971393108368}],"sentiment":"neutral","sentiment_score":0.017806092898050945,"num_words":6,"start":72.815,"end":84.579994},{"sentences":[{"text":"That's fine.","start":84.579994,"end":85.479996,"sentiment":"neutral","sentiment_score":0.25344427675008774},{"text":"Alright.","start":86.579994,"end":87.079994,"sentiment":"neutral","sentiment_score":0.05467671900987625},{"text":"Here we go.","start":87.14,"end":87.619995,"sentiment":"neutral","sentiment_score":0.04253789037466049},{"text":"Let's see.","start":87.619995,"end":88.36,"sentiment":"neutral","sentiment_score":0.03699683025479317},{"text":"Oh, yeah.","start":113.729996,"end":114.049995,"sentiment":"neutral","sentiment_score":-0.019453064538538456}],"sentiment":"neutral","sentiment_score":0.07242664750665426,"num_words":10,"start":84.579994,"end":114.049995},{"sentences":[{"text":"I can hear you again.","start":114.049995,"end":115.009995,"sentiment":"neutral","sentiment_score":-0.022337499633431436},{"text":"Sorry.","start":115.009995,"end":115.509995,"sentiment":"neutral","sentiment_score":-0.01910102181136608},{"text":"Oh, sorry.","start":118.689995,"end":119.59,"sentiment":"neutral","sentiment_score":-0.05255045369267464},{"text":"Let me see if I can I might go outside?","start":119.729996,"end":122.645,"sentiment":"neutral","sentiment_score":-0.025445324089378118},{"text":"That might be better.","start":122.704994,"end":123.685,"sentiment":"neutral","sentiment_score":-0.03662426024675369}],"sentiment":"neutral","sentiment_score":-0.028947259511121294,"num_words":22,"start":114.049995,"end":123.685},{"sentences":[{"text":"We're in we've gone a bit rural.","start":123.744995,"end":126.645,"sentiment":"neutral","sentiment_score":-0.059523309980119975},{"text":"I'll sit out.","start":126.784996,"end":127.765,"sentiment":"neutral","sentiment_score":-0.06679986417293549},{"text":"Yes.","start":135.94,"end":136.34,"sentiment":"neutral","sentiment_score":0.013540983200073242},{"text":"Yes.","start":136.34,"end":136.65999,"sentiment":"neutral","sentiment_score":0.01701361872255802},{"text":"Sorry.","start":136.65999,"end":136.98,"sentiment":"neutral","sentiment_score":0.011789724230766296}],"sentiment":"neutral","sentiment_score":-0.04420911047894221,"num_words":13,"start":123.744995,"end":136.98},{"sentences":[{"text":"That's fine.","start":136.98,"end":137.79999,"sentiment":"neutral","sentiment_score":0.2767493277788162},{"text":"That's fine.","start":137.94,"end":138.76,"sentiment":"neutral","sentiment_score":0.2888287454843521},{"text":"Erin Kate Prinke.","start":145.54,"end":146.58,"sentiment":"neutral","sentiment_score":0.03198527234296004},{"text":"3011 '93.","start":146.58,"end":148.2,"sentiment":"neutral","sentiment_score":0.029868099838495255},{"text":"Yep.","start":163.38501,"end":163.88501,"sentiment":"neutral","sentiment_score":0.1343041956424713}],"sentiment":"neutral","sentiment_score":0.14211523588746786,"num_words":10,"start":136.98,"end":163.88501},{"sentences":[{"text":"Yep.","start":166.40999,"end":166.90999,"sentiment":"neutral","sentiment_score":0.013317040167748928},{"text":"Oh, look.","start":170.25,"end":171.23,"sentiment":"neutral","sentiment_score":-0.012905108742415905},{"text":"Just yeah.","start":171.76999,"end":172.65,"sentiment":"neutral","sentiment_score":-0.014363477937877178},{"text":"Look.","start":172.65,"end":172.89,"sentiment":"neutral","sentiment_score":-0.010377020575106144},{"text":"Just given look.","start":172.89,"end":175.04999,"sentiment":"neutral","sentiment_score":-0.01838076300919056}],"sentiment":"neutral","sentiment_score":-0.011859938088390563,"num_words":9,"start":166.40999,"end":175.04999},{"sentences":[{"text":"My shares did not fit like, not my shares.","start":175.04999,"end":177.68999,"sentiment":"neutral","sentiment_score":-0.11178361210558149},{"text":"Sorry.","start":177.68999,"end":177.93,"sentiment":"neutral","sentiment_score":-0.1171659380197525},{"text":"My super didn't do anything in the last twelve months just given the state of the world, which so I am a little bit more cautious going forward.","start":177.93,"end":186.155,"sentiment":"neutral","sentiment_score":-0.14000952004321984},{"text":"So I'm open to suggestions and, like, from what I can see, like, interest in the banks, pretty reasonable as well.","start":186.695,"end":196.88,"sentiment":"neutral","sentiment_score":0.15424072565067382},{"text":"So I'm happy I mean, if we don't do anything, that's okay.","start":196.88,"end":200.58,"sentiment":"neutral","sentiment_score":0.14804357631752887}],"sentiment":"neutral","sentiment_score":-0.0003930542775442902,"num_words":71,"start":175.04999,"end":200.58},{"sentences":[{"text":"But, yeah, happy to yep.","start":202.0,"end":213.685,"sentiment":"neutral","sentiment_score":0.1018735945224762},{"text":"Yep.","start":215.345,"end":215.845,"sentiment":"neutral","sentiment_score":-0.08467689156532288},{"text":"Yep.","start":218.46501,"end":218.96501,"sentiment":"neutral","sentiment_score":0.02207005023956299},{"text":"Yep.","start":224.76999,"end":225.26999,"sentiment":"neutral","sentiment_score":0.01548682153224945},{"text":"Yeah.","start":227.17,"end":227.65,"sentiment":"neutral","sentiment_score":0.07685627788305283}],"sentiment":"neutral","sentiment_score":0.059900470077991486,"num_words":9,"start":202.0,"end":227.65},{"sentences":[{"text":"I'm happy to do 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sounds good.","start":269.255,"end":270.135,"sentiment":"neutral","sentiment_score":0.12377402186393738},{"text":"That sounds good.","start":270.135,"end":271.115,"sentiment":"neutral","sentiment_score":0.32813068230946857},{"text":"I sorry.","start":271.33002,"end":273.89,"sentiment":"neutral","sentiment_score":0.14939622581005096},{"text":"You did ask me last time we booked the appointment if anything, like, significant has changed financially, and I I said no.","start":273.89,"end":284.78497,"sentiment":"neutral","sentiment_score":-0.05618210805749351}],"sentiment":"neutral","sentiment_score":0.013624243858841157,"num_words":31,"start":269.01498,"end":284.78497},{"sentences":[{"text":"But I have inherited some some money from my dad.","start":284.78497,"end":289.345,"sentiment":"neutral","sentiment_score":-0.050472846068441865},{"text":"Like, it's not a fortune, but I I just savings account.","start":289.345,"end":293.82498,"sentiment":"neutral","sentiment_score":-0.055796976793896065},{"text":"So I don't know if there's anything I should or need to do with that.","start":293.82498,"end":300.15,"sentiment":"negative","sentiment_score":-0.4719522655010223},{"text":"And and my husband and I have just bought a industrial block in Roma where we live, so we've, like, increased our debt a little bit.","start":301.81,"end":312.685,"sentiment":"neutral","sentiment_score":-0.10284214266217671},{"text":"We've we were able to pay with for a lot of it with cash given the sale of my of our previous house in town went through last year.","start":312.685,"end":321.24503,"sentiment":"neutral","sentiment_score":0.09158359699208161}],"sentiment":"neutral","sentiment_score":-0.0902829734547125,"num_words":91,"start":284.78497,"end":321.24503},{"sentences":[{"text":"So two big two pretty big 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days.","start":1767.5751,"end":1771.915,"sentiment":"neutral","sentiment_score":0.029132449999451637},{"text":"Yeah.","start":1773.495,"end":1773.995,"sentiment":"neutral","sentiment_score":0.14693307876586914},{"text":"Yeah.","start":1777.895,"end":1778.395,"sentiment":"neutral","sentiment_score":-0.000773048959672451}],"sentiment":"neutral","sentiment_score":0.057629838259890674,"num_words":20,"start":1757.23,"end":1778.395},{"sentences":[{"text":"Let's see.","start":1781.34,"end":1782.62,"sentiment":"neutral","sentiment_score":0.004239313188008964},{"text":"Yeah.","start":1782.62,"end":1782.94,"sentiment":"neutral","sentiment_score":0.012360740453004835},{"text":"All I can tell you is a square meterage, and it was let me just see if this is right.","start":1782.94,"end":1787.02,"sentiment":"neutral","sentiment_score":0.01850657134782523},{"text":"So it's $35 a square meter.","start":1787.02,"end":1789.4199,"sentiment":"neutral","sentiment_score":0.036367605750759445},{"text":"I think it was about 3,000 square three and a half.","start":1789.4199,"end":1794.315,"sentiment":"neutral","sentiment_score":0.05542381802065806}],"sentiment":"neutral","sentiment_score":0.030470960662933068,"num_words":40,"start":1781.34,"end":1794.315},{"sentences":[{"text":"I think it'll be it's about three and a half square meters and 35 square meter.","start":1794.5549,"end":1802.315,"sentiment":"neutral","sentiment_score":0.030708044592756778},{"text":"Yeah.","start":1802.315,"end":1802.5549,"sentiment":"neutral","sentiment_score":0.0326814278960228},{"text":"It'll be about a 120, 130.","start":1802.5549,"end":1805.355,"sentiment":"neutral","sentiment_score":0.028256180385748546},{"text":"And I just have to because he's the one that did the wheel and deal on that one.","start":1805.355,"end":1811.23,"sentiment":"neutral","sentiment_score":0.020995810472716887},{"text":"But and then it'll be plus, like, plus fees as 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haven't had a recent evaluation, but we were saying the other day, like, probably 1.3, one point keep it at 1.2.","start":1838.99,"end":1847.55,"sentiment":"neutral","sentiment_score":-0.0389072054319761},{"text":"The market's lifestyle blocks around Roma and probably probably further out as well.","start":1847.55,"end":1856.925,"sentiment":"neutral","sentiment_score":-0.004700316975896175},{"text":"But, yeah, those kind of properties are sitting a lot longer on the market.","start":1856.925,"end":1860.4451,"sentiment":"neutral","sentiment_score":-0.07235607637890748},{"text":"So maybe what it values at and what it would go for at the auction or offer would be very different.","start":1860.4451,"end":1865.5701,"sentiment":"neutral","sentiment_score":-0.045969988441183454}],"sentiment":"neutral","sentiment_score":-0.04067361551586171,"num_words":71,"start":1838.51,"end":1865.5701},{"sentences":[{"text":"But, yeah, we'd hope it would be valued around 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yeah.","start":1886.3049,"end":1887.105,"sentiment":"neutral","sentiment_score":-0.006423554616048932},{"text":"Plus the oh god.","start":1887.105,"end":1889.59,"sentiment":"neutral","sentiment_score":-0.010885012801736593},{"text":"What's the word that it depreciation.","start":1889.59,"end":1893.85,"sentiment":"neutral","sentiment_score":-0.013757499245305857}],"sentiment":"neutral","sentiment_score":-0.011148954463091545,"num_words":14,"start":1884.3849,"end":1893.85},{"sentences":[{"text":"Sorry.","start":1893.99,"end":1894.3099,"sentiment":"neutral","sentiment_score":-0.0563313364982605},{"text":"Word finding difficulty.","start":1894.3099,"end":1895.27,"sentiment":"neutral","sentiment_score":-0.04534849772850672},{"text":"Yep.","start":1895.27,"end":1895.6699,"sentiment":"neutral","sentiment_score":-0.0026039525400847197},{"text":"Depreciate plus depreciation.","start":1895.6699,"end":1897.13,"sentiment":"neutral","sentiment_score":0.013725760392844677},{"text":"I would hope it would still get, like, mid fifties at the yeah.","start":1897.59,"end":1902.245,"sentiment":"neutral","sentiment_score":0.04583127123232071}],"sentiment":"neutral","sentiment_score":0.0210477630940399,"num_words":21,"start":1893.99,"end":1902.245},{"sentences":[{"text":"Because it's the older style.","start":1902.245,"end":1903.705,"sentiment":"neutral","sentiment_score":0.015578551590442658},{"text":"Yeah.","start":1906.485,"end":1906.985,"sentiment":"neutral","sentiment_score":0.11854888498783112},{"text":"Yeah.","start":1908.565,"end":1908.8049,"sentiment":"neutral","sentiment_score":0.053651466965675354},{"text":"Yeah.","start":1908.8049,"end":1909.0449,"sentiment":"neutral","sentiment_score":0.03216283395886421},{"text":"Well, the new Prados I don't 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no.","start":2154.085,"end":2154.825,"sentiment":"neutral","sentiment_score":-0.053118402138352394}],"sentiment":"neutral","sentiment_score":0.03885957502227809,"num_words":14,"start":2112.192,"end":2154.825},{"sentences":[{"text":"Hello?","start":2155.765,"end":2156.265,"sentiment":"neutral","sentiment_score":-0.02772039733827114},{"text":"No.","start":2156.7249,"end":2156.965,"sentiment":"neutral","sentiment_score":-0.22748947143554688},{"text":"No.","start":2156.965,"end":2157.465,"sentiment":"neutral","sentiment_score":-0.1298018991947174},{"text":"What was the retirement age, did you say?","start":2158.885,"end":2160.645,"sentiment":"neutral","sentiment_score":-0.056396675296127796},{"text":"Sorry?","start":2160.645,"end":2161.145,"sentiment":"neutral","sentiment_score":-0.049045465886592865}],"sentiment":"neutral","sentiment_score":-0.07376921968534589,"num_words":12,"start":2155.765,"end":2161.145},{"sentences":[{"text":"Oh, 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financial position yeah.","start":2170.09,"end":2172.73,"sentiment":"neutral","sentiment_score":-0.08655494664396558},{"text":"No.","start":2172.73,"end":2172.89,"sentiment":"neutral","sentiment_score":-0.14912846684455872},{"text":"That'll be no.","start":2172.89,"end":2173.53,"sentiment":"neutral","sentiment_score":-0.15230393906434378}],"sentiment":"neutral","sentiment_score":-0.07703024461384743,"num_words":31,"start":2164.57,"end":2173.53},{"sentences":[{"text":"No.","start":2173.53,"end":2174.03,"sentiment":"neutral","sentiment_score":-0.17788086831569672},{"text":"I mean, physio is not too bad and too hard on the mind or body.","start":2174.165,"end":2177.685,"sentiment":"neutral","sentiment_score":-0.18476937413215638},{"text":"So my builder my builder husband will probably be ready to call it 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off.","start":2207.355,"end":2220.31,"sentiment":"neutral","sentiment_score":-0.02540725448893176},{"text":"So we do wanna just save towards those experiences and keep our material purchases to a minimum.","start":2220.31,"end":2227.51,"sentiment":"neutral","sentiment_score":0.06796827824676738}],"sentiment":"neutral","sentiment_score":0.0023354269850712557,"num_words":65,"start":2196.74,"end":2227.51},{"sentences":[{"text":"Like, this was a big financial goal for my husband to buy industrial property, so we will we will develop that over the next few years.","start":2227.51,"end":2235.535,"sentiment":"neutral","sentiment_score":0.10743383977275628},{"text":"Like, we'll build a shed on it and hopefully rent it out, and that provide a bit of extra income.","start":2235.535,"end":2240.1948,"sentiment":"neutral","sentiment_score":0.1660140912979841},{"text":"And if I can just keep saving away and I mean, I'd love to buy an investment house further east, but it's just getting more and more unachievable, really.","start":2240.335,"end":2254.06,"sentiment":"neutral","sentiment_score":-0.07361751120409062},{"text":"Like, I think the average house price in Toowoomba's, oh my god, double in the last ten years.","start":2254.06,"end":2259.7249,"sentiment":"neutral","sentiment_score":-0.09085743936399619},{"text":"Anyhow, it's disgusting.","start":2261.2249,"end":2262.365,"sentiment":"neutral","sentiment_score":-0.24246611694494882}],"sentiment":"neutral","sentiment_score":0.016831474747353543,"num_words":96,"start":2227.51,"end":2262.365},{"sentences":[{"text":"Anyway yeah.","start":2262.905,"end":2264.505,"sentiment":"neutral","sentiment_score":-0.08885512314736843},{"text":"So, no, that's probably our immediate financial goal is to develop this industrial block, sorry, and and rent that out for an extra income.","start":2264.505,"end":2275.02,"sentiment":"neutral","sentiment_score":-0.022225899854674935},{"text":"Oh, yeah.","start":2286.1648,"end":2286.565,"sentiment":"neutral","sentiment_score":0.00596690783277154},{"text":"Look.","start":2286.565,"end":2286.7249,"sentiment":"neutral","sentiment_score":0.0028402823954820633},{"text":"Depends what happens.","start":2286.7249,"end":2287.765,"sentiment":"neutral","sentiment_score":-0.003122515976428985}],"sentiment":"neutral","sentiment_score":-0.02205391539609991,"num_words":32,"start":2262.905,"end":2287.765},{"sentences":[{"text":"Like, the, like, I guess, industrial industry is growing slowly.","start":2287.765,"end":2293.865,"sentiment":"neutral","sentiment_score":0.00012901108711957948},{"text":"Like, there are a lot of vacant industrial blocks, so it was a bit of a gamble, but it was it was quite cheap.","start":2293.9248,"end":2301.82,"sentiment":"neutral","sentiment_score":0.014302740572020411},{"text":"So, look, we will hold on to it if it's if it's getting rented probably long term because we'd like to just see it provide us a, yeah, a bit of extra income.","start":2303.56,"end":2313.74,"sentiment":"neutral","sentiment_score":0.17406170589454245},{"text":"And if something better comes along, we can sell that and get rid of it.","start":2314.9648,"end":2318.7449,"sentiment":"neutral","sentiment_score":-0.3120106627543767},{"text":"Go move on to something better.","start":2318.9648,"end":2320.6648,"sentiment":"neutral","sentiment_score":0.20173922926187515}],"sentiment":"neutral","sentiment_score":0.029759859242899853,"num_words":88,"start":2287.765,"end":2320.6648},{"sentences":[{"text":"No.","start":2326.85,"end":2327.01,"sentiment":"neutral","sentiment_score":-0.04369577020406723},{"text":"No.","start":2327.01,"end":2327.33,"sentiment":"neutral","sentiment_score":-0.04239409416913986},{"text":"Thanks for your time.","start":2327.33,"end":2328.55,"sentiment":"neutral","sentiment_score":0.10462845303118229},{"text":"Yep.","start":2331.6501,"end":2332.1501,"sentiment":"neutral","sentiment_score":0.06256671249866486},{"text":"Yes.","start":2332.37,"end":2332.85,"sentiment":"neutral","sentiment_score":0.07662688940763474}],"sentiment":"neutral","sentiment_score":0.05895219370722771,"num_words":8,"start":2326.85,"end":2332.85},{"sentences":[{"text":"No.","start":2332.85,"end":2333.01,"sentiment":"neutral","sentiment_score":-0.0519622378051281},{"text":"That'll be yeah.","start":2333.01,"end":2334.47,"sentiment":"neutral","sentiment_score":-0.040566716343164444},{"text":"Yep.","start":2338.61,"end":2339.11,"sentiment":"neutral","sentiment_score":-0.0008744175429455936},{"text":"Yep.","start":2343.215,"end":2343.715,"sentiment":"neutral","sentiment_score":0.04461798071861267},{"text":"Yep.","start":2346.2551,"end":2346.7551,"sentiment":"neutral","sentiment_score":0.033559467643499374}],"sentiment":"neutral","sentiment_score":-0.01376562228792214,"num_words":7,"start":2332.85,"end":2346.7551},{"sentences":[{"text":"Yep.","start":2357.33,"end":2357.83,"sentiment":"neutral","sentiment_score":-0.027258001267910004},{"text":"Yes.","start":2362.05,"end":2362.55,"sentiment":"neutral","sentiment_score":0.05469568818807602},{"text":"Yep.","start":2367.535,"end":2368.035,"sentiment":"neutral","sentiment_score":0.09738998860120772},{"text":"Yep.","start":2375.215,"end":2375.715,"sentiment":"neutral","sentiment_score":0.06165599450469017},{"text":"Yep.","start":2380.0151,"end":2380.175,"sentiment":"neutral","sentiment_score":0.06311777234077454}],"sentiment":"neutral","sentiment_score":0.04992028847336769,"num_words":5,"start":2357.33,"end":2380.175},{"sentences":[{"text":"Yep.","start":2380.175,"end":2380.675,"sentiment":"neutral","sentiment_score":0.06533323228359222},{"text":"Yep.","start":2383.79,"end":2384.29,"sentiment":"neutral","sentiment_score":0.0479426346719265},{"text":"No.","start":2384.35,"end":2384.85,"sentiment":"neutral","sentiment_score":-0.06126735731959343},{"text":"No.","start":2386.35,"end":2386.59,"sentiment":"neutral","sentiment_score":-0.02165161445736885},{"text":"That's great.","start":2386.59,"end":2387.41,"sentiment":"neutral","sentiment_score":0.20871246606111526}],"sentiment":"neutral","sentiment_score":0.07463030455013116,"num_words":6,"start":2380.175,"end":2387.41},{"sentences":[{"text":"Yep.","start":2389.15,"end":2389.65,"sentiment":"neutral","sentiment_score":0.08005645126104355},{"text":"No.","start":2396.11,"end":2396.61,"sentiment":"neutral","sentiment_score":-0.02701810747385025},{"text":"No.","start":2398.9648,"end":2399.365,"sentiment":"neutral","sentiment_score":0.05299381539225578},{"text":"That's very thorough.","start":2399.365,"end":2400.4849,"sentiment":"neutral","sentiment_score":0.18655159572760263},{"text":"Thanks.","start":2400.4849,"end":2400.9648,"sentiment":"positive","sentiment_score":0.3640206456184387}],"sentiment":"neutral","sentiment_score":0.14710108456867083,"num_words":7,"start":2389.15,"end":2400.9648},{"sentences":[{"text":"Thanks very much, Dana.","start":2400.9648,"end":2402.005,"sentiment":"positive","sentiment_score":0.4116279110312462},{"text":"Thanks for your time.","start":2402.005,"end":2403.065,"sentiment":"neutral","sentiment_score":-0.03265192732214928},{"text":"Yes.","start":2409.285,"end":2409.785,"sentiment":"positive","sentiment_score":0.348924458026886},{"text":"Oh, thank you.","start":2410.77,"end":2411.6501,"sentiment":"positive","sentiment_score":0.6252084771792094},{"text":"Thank you.","start":2411.6501,"end":2412.3901,"sentiment":"positive","sentiment_score":0.585752934217453}],"sentiment":"positive","sentiment_score":0.35085426377398626,"num_words":14,"start":2400.9648,"end":2412.3901},{"sentences":[{"text":"Yeah.","start":2412.85,"end":2413.25,"sentiment":"neutral","sentiment_score":0.3320291042327881},{"text":"Take care of yourself, and we'll thanks.","start":2413.25,"end":2416.47,"sentiment":"positive","sentiment_score":0.3447200038603374},{"text":"Thanks, Dana.","start":2420.69,"end":2421.75,"sentiment":"positive","sentiment_score":0.39884135127067566},{"text":"Alright.","start":2421.8901,"end":2422.29,"sentiment":"neutral","sentiment_score":0.2266978919506073},{"text":"Bye.","start":2422.29,"end":2422.79,"sentiment":"neutral","sentiment_score":0.20261387526988983}],"sentiment":"neutral","sentiment_score":0.3310053000847499,"num_words":12,"start":2412.85,"end":2422.79}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Erin. It's Dana from Oakey Financial. How\n\nChannel 1: Hi,\n\nChannel 0: are you\n\nChannel 1: Dana.\n\nChannel 0: this afternoon?\n\nChannel 1: How are you?\n\nChannel 0: Oh, I'm good. Thanks. How are you? Can you hear\n\nChannel 1: Well,\n\nChannel 0: me\n\nChannel 1: thanks.\n\nChannel 0: okay?\n\nChannel 1: Yes. Yes. Sorry.\n\nChannel 0: Oh, Ben.\n\nChannel 1: I hope you can hear me\n\nChannel 0: You're\n\nChannel 1: as\n\nChannel 0: alright.\n\nChannel 1: well.\n\nChannel 0: Yeah. I can. Absolutely. It sounds like you're running or walking at the moment. Is everything\n\nChannel 1: Oh, okay.\n\nChannel 0: alright?\n\nChannel 1: No. I'm I am just gonna find oh, let's see there. Yeah. Oh, okay. Hang on, Sorry.\n\nI've just gotten to\n\nChannel 0: No.\n\nChannel 1: my sister's,\n\nChannel 0: You're fine.\n\nChannel 1: and we've got a few\n\nChannel 0: Oh, that\n\nChannel 1: kids at our feet. Can\n\nChannel 0: no.\n\nChannel 1: we\n\nChannel 0: That's\n\nChannel 1: can\n\nChannel 0: okay.\n\nChannel 1: we\n\nChannel 0: Look.\n\nChannel 1: play\n\nChannel 0: I did\n\nChannel 1: after?\n\nChannel 0: have you booked\n\nChannel 1: Yes.\n\nChannel 0: I\n\nChannel 1: Okay.\n\nChannel 0: did have you booked\n\nChannel 1: I'm\n\nChannel 0: in to\n\nChannel 1: just\n\nChannel 0: go\n\nChannel 1: on\n\nChannel 0: to your\n\nChannel 1: the\n\nChannel 0: annual\n\nChannel 1: phone.\n\nChannel 0: you're\n\nChannel 1: Yes.\n\nChannel 0: right.\n\nChannel 1: Yep.\n\nChannel 0: I had you booked in to go to your annual review and, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: talk about the statement of advice that we were looking to provide for you. But if you're a\n\nChannel 1: Yep.\n\nChannel 0: few sisters, did you want me to make it at a more suitable time? That way you can kinda focus\n\nChannel 1: No.\n\nChannel 0: on\n\nChannel 1: No.\n\nChannel 0: family.\n\nChannel 1: I did ring\n\nChannel 0: Are you sure?\n\nChannel 1: no. No. No. No. It's okay.\n\nI did ring your reception. No. It's actually good because someone can watch my cuddler.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: Oh,\n\nChannel 1: today's\n\nChannel 0: good.\n\nChannel 1: no. It's an hour's fine.\n\nChannel 0: Oh, fantastic. Erin, I did send through some annual review documents to you as well just\n\nChannel 1: Okay.\n\nChannel 0: to go to have a look at. Do if you don't have access to emails, that's okay. But do\n\nChannel 1: No.\n\nChannel 0: you have\n\nChannel 1: No. I\n\nChannel 0: access\n\nChannel 1: do.\n\nChannel 0: to emails at the moment? Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Before we jump into the call moving forward, just have to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And\n\nChannel 1: Alright.\n\nChannel 0: I'll just do a really\n\nChannel 1: Here\n\nChannel 0: quick\n\nChannel 1: we go.\n\nChannel 0: security\n\nChannel 1: Let's see.\n\nChannel 0: check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Sorry, Erin. Can you hear me?\n\nChannel 1: Oh, yeah. I can hear you again.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry.\n\nChannel 0: All good. I thought it would drop down. I wasn't really sure.\n\nChannel 1: Oh, sorry. Let me see if I can I might\n\nChannel 0: That's\n\nChannel 1: go\n\nChannel 0: okay.\n\nChannel 1: outside?\n\nChannel 0: You're\n\nChannel 1: That\n\nChannel 0: fine.\n\nChannel 1: might be better. We're in we've gone a bit\n\nChannel 0: No.\n\nChannel 1: rural. I'll sit out.\n\nChannel 0: Yeah. All good. So sorry. I just didn't get the answers to the question. Just wanna confirm you're okay with us recording the call for training and\n\nChannel 1: Yes.\n\nChannel 0: quality\n\nChannel 1: Yes.\n\nChannel 0: purposes.\n\nChannel 1: Sorry.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Beautiful.\n\nChannel 1: fine. That's\n\nChannel 0: That's\n\nChannel 1: fine.\n\nChannel 0: absolutely fine. And just a quick security check, I just need to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Erin Kate Prinke. 3011\n\nChannel 0: Yep.\n\nChannel 1: '93.\n\nChannel 0: Yep. Perfect. Excellent. Now with the advice piece, I haven't sent that through. I was gonna send it through as a separate document.\n\nThat was kind of in relation to our last conversation where you wanted to look at maybe investing the money in your child's account to be\n\nChannel 1: Yep.\n\nChannel 0: able to kind of build and grow over time. Are you\n\nChannel 1: Yep.\n\nChannel 0: still wanting to look at doing that, or are you wanting to hold off just because I know you guys are about\n\nChannel 1: Oh,\n\nChannel 0: to have another\n\nChannel 1: look.\n\nChannel 0: baby?\n\nChannel 1: Just yeah. Look. Just given look. My shares did not fit like, not my shares. Sorry.\n\nMy super didn't do anything in the last twelve months just given\n\nChannel 0: It\n\nChannel 1: the state\n\nChannel 0: has\n\nChannel 1: of\n\nChannel 0: been\n\nChannel 1: the world,\n\nChannel 0: tough.\n\nChannel 1: which so\n\nChannel 0: Yeah.\n\nChannel 1: I am a little bit more cautious going forward. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm open to suggestions and, like, from what I can see, like, interest in the banks, pretty reasonable as well. So I'm happy I mean, if we don't do anything, that's okay.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: But, yeah,\n\nChannel 0: That's\n\nChannel 1: happy\n\nChannel 0: alright.\n\nChannel 1: to\n\nChannel 0: That's okay. Look, I did come up with an option. So that it was looking at an investment, but, obviously, with the hesitation because, obviously, having a look at things is super has been a\n\nChannel 1: yep.\n\nChannel 0: little bit stagnant this year, and\n\nChannel 1: Yep.\n\nChannel 0: I kinda wanted to go that through that with you as well.\n\nChannel 1: Yep.\n\nChannel 0: I don't mind if you wanna just hold off on the child investment and you just, you know, wait till you have your second child and we maybe\n\nChannel 1: Yep.\n\nChannel 0: reassess down the track. Did you feel more comfortable\n\nChannel 1: Yeah.\n\nChannel 0: doing\n\nChannel 1: I'm\n\nChannel 0: that?\n\nChannel 1: happy\n\nChannel 0: Or\n\nChannel 1: to do that. I'm yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's that sounds good.\n\nChannel 0: Yeah. That's\n\nChannel 1: Thank you.\n\nChannel 0: fine.\n\nChannel 1: Because\n\nChannel 0: That's not a problem. I\n\nChannel 1: it's\n\nChannel 0: had that up, and I was like, I'll just double check with how you're feeling first up because I know\n\nChannel 1: yep.\n\nChannel 0: markets are volatile. They do go up and down, and it is completely normal to do so, and you are more\n\nChannel 1: Yep.\n\nChannel 0: in that high\n\nChannel 1: Yes.\n\nChannel 0: growth environment there.\n\nChannel 1: Yes. Yes.\n\nChannel 0: But I wanted to kinda do the annual review with you at least and see how you were feeling.\n\nChannel 1: Yep.\n\nChannel 0: And,\n\nChannel 1: Yep.\n\nChannel 0: look, there's all the advice we do provide is just advice. You don't have to take it.\n\nChannel 1: Yep.\n\nChannel 0: It's more just, you know, giving you the option there. So we can just pause that child's\n\nChannel 1: Yep.\n\nChannel 0: investment for the time being. Let things maybe settle a bit with where everything is for you guys, and then we\n\nChannel 1: Yep.\n\nChannel 0: can always reevaluate it down the track in a bit more time. Does that sound comfortable for you? Or\n\nChannel 1: Yeah. No. That sounds good.\n\nChannel 0: Yep.\n\nChannel 1: That sounds good.\n\nChannel 0: Beautiful.\n\nChannel 1: I\n\nChannel 0: Excellent.\n\nChannel 1: sorry. You did ask me last time we booked the appointment\n\nChannel 0: Yeah.\n\nChannel 1: if anything, like, significant has changed financially, and\n\nChannel 0: Yeah.\n\nChannel 1: I I said no. But I have inherited some\n\nChannel 0: Wow.\n\nChannel 1: some money from my dad. Like, it's not a fortune, but I I just savings account. So I don't know if there's anything I should or need to do with that.\n\nChannel 0: Yeah.\n\nChannel 1: And and my husband and I have just bought a industrial block in Roma where we live, so we've, like, increased our debt\n\nChannel 0: Yes.\n\nChannel 1: a\n\nChannel 0: Yep.\n\nChannel 1: little bit. We've we were able to pay with for a lot of it with cash given the sale of my of our previous house in town went through last year. So\n\nChannel 0: Yeah. Because you guys\n\nChannel 1: two\n\nChannel 0: were\n\nChannel 1: big\n\nChannel 0: gonna be\n\nChannel 1: two\n\nChannel 0: basically\n\nChannel 1: pretty big significantly.\n\nChannel 0: debt free. Yeah.\n\nChannel 1: Yeah. Yeah. We don't have a lot, which is very fortunate.\n\nChannel 0: Oh, fantastic. Excellent. Well, let's sort of run through things and see where everything's changed. Now you mentioned that you've got some inheritance from your dad.\n\nChannel 1: Mhmm.\n\nChannel 0: Roughly,\n\nChannel 1: Yep.\n\nChannel 0: how much have you inherited from\n\nChannel 1: I\n\nChannel 0: that one?\n\nChannel 1: was 50. Yep.\n\nChannel 0: 50,000? Lovely. And is it just sitting in a bank account at the moment?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. All good. Is\n\nChannel 1: This\n\nChannel 0: it sitting\n\nChannel 1: is.\n\nChannel 0: in, like, an offset account for one of your\n\nChannel 1: No.\n\nChannel 0: like, for one of the properties, or is it just\n\nChannel 1: Not\n\nChannel 0: like a\n\nChannel 1: at\n\nChannel 0: savings\n\nChannel 1: all.\n\nChannel 0: account? K.\n\nChannel 1: I will put a bit of that to offset the loan of the industrial block,\n\nChannel 0: Yep.\n\nChannel 1: but there should we probably will only owe 70 or $80 on that.\n\nChannel 0: Okay.\n\nChannel 1: My husband's gonna put it's a 130 plus fees. And I think, yeah, my husband's probably gonna put about 40 or 50 on that.\n\nChannel 0: Okay.\n\nChannel 1: So so I was gonna I will offset that once it's once it's settled. It hasn't it hasn't settled yet.\n\nChannel 0: Yeah. No. That's okay. That's not a problem at all. So that's about to settle.\n\nChannel 1: Mhmm.\n\nChannel 0: Are you wanting to maybe look at maybe splitting up that inheritance and maybe putting some of it into super to kind of provide greater benefit towards your retirement goals, or are you sort of wanting to be able to use the money in the shorter term?\n\nChannel 1: Potentially, use it in the shorter term. Like like, we're planning to grow the our family, and I'd love to have money aside to pay for, like, boarding school or dental fees and\n\nChannel 0: Yep.\n\nChannel 1: just the just the the, you know, the stuff that I might come up within the next, say, ten to fifteen years. I think super like, I'm with I'm working essentially one day a week, so I am making like, small contributions are being made to super.\n\nChannel 0: Yeah.\n\nChannel 1: And I probably didn't wanna put all my eggs into my super basket to then I mean, like, the who knows what the retirement age will be when we\n\nChannel 0: Mhmm.\n\nChannel 1: get to that stage of our lives anyway. And as far as I'm aware, you can't touch it\n\nChannel 0: That is correct.\n\nChannel 1: any\n\nChannel 0: That\n\nChannel 1: sooner.\n\nChannel 0: is the\n\nChannel 1: So so\n\nChannel 0: yeah.\n\nChannel 1: sorry. My point is that I'm probably\n\nChannel 0: You're fine.\n\nChannel 1: not too fussed on, like, really, really maximizing it yet, whereas,\n\nChannel 0: Yep.\n\nChannel 1: like, we'd like to take some time off in the next few years and travel\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Australia and stuff with kids, so there will be some\n\nChannel 0: Yeah.\n\nChannel 1: cost more short term, I suppose.\n\nChannel 0: Yeah. Absolutely. So, look,\n\nChannel 1: And\n\nChannel 0: honestly,\n\nChannel 1: yeah.\n\nChannel 0: just with the kind of with what I'm hearing in the conversation, it sounds to me like putting the money into super is not preferable as yet. Maybe having that money sitting in a savings account or maybe your offset account when you this loan settles allows you to maybe offset some of the\n\nChannel 1: Mhmm.\n\nChannel 0: interest you would be paying on that commercial property. But then, also,\n\nChannel 1: Mhmm.\n\nChannel 0: you do have access to it in the shorter term when it comes to kids things. I mean, I've got three kids myself. Dental work is\n\nChannel 1: Yep.\n\nChannel 0: by no means cheap. So\n\nChannel 1: I know.\n\nChannel 0: we I'm\n\nChannel 1: I\n\nChannel 0: hoping\n\nChannel 1: feel\n\nChannel 0: not\n\nChannel 1: like it's\n\nChannel 0: to go\n\nChannel 1: the kindest\n\nChannel 0: down that\n\nChannel 1: thing\n\nChannel 0: route\n\nChannel 1: you can do\n\nChannel 0: with that\n\nChannel 1: to your\n\nChannel 0: stuff.\n\nChannel 1: kids if they need braces. Right?\n\nChannel 0: Oh, I know. You know what? The Invisalign stuff, they told me it would be one round, and we went through it, and it was about 6 to 7,000. And then they we we got to the second the end of it, and they're like, yeah. So round two.\n\nAnd I was like, no. No. You said one round. Like, what if, like, $14 would have been braces, they would have been done.\n\nChannel 1: Yeah.\n\nChannel 0: Like,\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: Yeah.\n\nChannel 0: was\n\nChannel 1: I just feel like it is a it is a good investment in in kids, and I'd I'd hate\n\nChannel 0: insane.\n\nChannel 1: for us to have to miss out on that. So, like, that's\n\nChannel 0: Yep.\n\nChannel 1: a big factor. You know? You gotta consider these things. Can\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: Absolutely.\n\nChannel 1: pay for the dental?\n\nChannel 0: Absolutely. Absolutely. And it cost a fortune, like, honestly. So, no, honestly, keeping it with the end of general advice based on it right now, but it does seem to me, like, with your goals and with where things are at the moment, it would just be best to keep it in that offset account when the\n\nChannel 1: Yeah.\n\nChannel 0: loan settles, the\n\nChannel 1: Yep.\n\nChannel 0: bank account as\n\nChannel 1: Yep.\n\nChannel 0: a bit of a buffer for you guys as well. Because,\n\nChannel 1: Yep.\n\nChannel 0: I mean, if something happens and you need a bit of extra cash, you know, you know, we have\n\nChannel 1: Mhmm.\n\nChannel 0: rates coming up at the end this year as well.\n\nChannel 1: Mhmm. Mhmm. Yeah.\n\nChannel 0: Insurance\n\nChannel 1: That's the other\n\nChannel 0: has never\n\nChannel 1: thing,\n\nChannel 0: seen\n\nChannel 1: like,\n\nChannel 0: stop.\n\nChannel 1: what's gonna happen with with interest rates? Because it just seems like like inflation just can't keep going the way it is. So that's probably got my husband and I a little bit cautious on\n\nChannel 0: What to do?\n\nChannel 1: what we do,\n\nChannel 0: Yeah.\n\nChannel 1: hence why we've sort of not maxed out loans on anything, I suppose. We're probably\n\nChannel 0: Yeah.\n\nChannel 1: pretty conservative in that sense. But\n\nChannel 0: Yeah. No. Honestly, that's\n\nChannel 1: yeah.\n\nChannel 0: absolutely fine. And we tend to be when we're looking at investments in our own name aside from super super, we can be a bit more aggressive in because we physically can't touch it. We're not allowed to touch it until, at this point, the age of 60 and we retire.\n\nChannel 1: Yep.\n\nChannel 0: So we can be a bit more aggressive with those with some investments. And\n\nChannel 1: Yes.\n\nChannel 0: we know, you know, super, as I said, has been a bit stagnant this year. I\n\nChannel 1: Yep.\n\nChannel 0: know looking at the portfolio report that I have here, I've got one in your email there, which essentially is the July 10 last year to the July 9 this year, which is when we essentially did the documents up.\n\nChannel 1: Mhmm.\n\nChannel 0: And the total the total gross gross was 0.45%. Net after fees was 1.64%. So it is down this year. We do fully expect that that that does\n\nChannel 1: Yep.\n\nChannel 0: happen, and it is\n\nChannel 1: Yeah.\n\nChannel 0: basically a lot of it because of the ups and downs the market has definitely seen.\n\nChannel 1: Yep.\n\nChannel 0: And even with your balance, it's over 100 k at the moment. So it has gone up since our last review, which is great to see, but then it's had a little bit of a pullback. And with a a high growth environment, which is where you\n\nChannel 1: Yep.\n\nChannel 0: are, you are\n\nChannel 1: Yep.\n\nChannel 0: taking a more risk by having 90% in those growth investments. So thinking things like\n\nChannel 1: Yes.\n\nChannel 0: Australian\n\nChannel 1: Yes.\n\nChannel 0: shares, international shares, commodities, and listed property\n\nChannel 1: Yep.\n\nChannel 0: there as well. So you are taking a more risk in that sort of area. So we do expect essentially a negative return. Roughly about one in every sort of five years is in\n\nChannel 1: Yep.\n\nChannel 0: expectation there, But it's also\n\nChannel 1: Yep.\n\nChannel 0: a point where in those downtimes, taking advantage of those downtimes as well to keep your contributions going in when you can\n\nChannel 1: Yep. Yep.\n\nChannel 0: so that you buy into the investors when they are seeking a downtime. You're buying into a discounted investment opportunity.\n\nChannel 1: Yep.\n\nChannel 0: And then as the portfolio comes out and recovers from that point of time, it isn't you know, you do see a bit of growth there. I'm not\n\nChannel 1: Yep.\n\nChannel 0: sure if you remember as well. We would have also sent an email a few months back. It was a record of advice just noting an investment, which we were completing. Do you remember getting something? If you don't, that's okay.\n\nChannel 1: Let's have a look.\n\nChannel 0: You alright?\n\nChannel 1: Let's see if I've got it first. That's a good start.\n\nChannel 0: That's\n\nChannel 1: Okay.\n\nChannel 0: okay.\n\nChannel 1: Annual review. Oh, no. That's what's in the last year. With my I'm on my phone, so I'd\n\nChannel 0: Not sure. That's\n\nChannel 1: not\n\nChannel 0: okay.\n\nChannel 1: everything's loading, I don't think. I've only just got\n\nChannel 0: Yeah.\n\nChannel 1: the two recent emails\n\nChannel 0: No. That's okay.\n\nChannel 1: just to\n\nChannel 0: That's\n\nChannel 1: see if\n\nChannel 0: not\n\nChannel 1: you're\n\nChannel 0: a problem\n\nChannel 1: a question\n\nChannel 0: at\n\nChannel 1: and\n\nChannel 0: all.\n\nChannel 1: sorry. Sorry.\n\nChannel 0: Yeah. No. No. You're fine. Please don't ever apologize.\n\nYou're all good. Essentially, what I just wanted to explain was we did make it a bit of an investment switch in the last few months there. So you did\n\nChannel 1: Yep.\n\nChannel 0: originally have Ben along Australian equities in your portfolio, and it was meant to be more of an actively managed fund. So the fund manager is attempting to buy and sell\n\nChannel 1: Mhmm.\n\nChannel 0: in a more, you know, tax advantage way for themselves. They're meant to taking advantage of market ups and downs and trying to outperform against\n\nChannel 1: Mhmm.\n\nChannel 0: the market. Unfortunately, active managers don't always do that, and then along hasn't been able to do so this year. They've had some underlying issues there. So that investment was also down, which was having a bit of an effect on your portfolio as well as the other the the global aspect with the America and the Iran war. So\n\nChannel 1: Yep.\n\nChannel 0: we actually did take a second. We had a look. The investment committee looked at everything and decided it was not worth keeping Ben along in there. It was dragging portfolios down. So we actually have removed that from your portfolio, and we swapped it\n\nChannel 1: Mhmm.\n\nChannel 0: out with the BetaShares a 200. So when you are looking at your super there and if you've got the email with the and the review documents, the attachment on the first page is the asset performance detail report if you wanted to look at it.\n\nChannel 1: Okay.\n\nChannel 0: If you don't,\n\nChannel 1: Okay.\n\nChannel 0: you can tell me no.\n\nChannel 1: No. No. No. I'll I'm leaving a note on my phone to have a look at this because that is\n\nChannel 0: Yeah.\n\nChannel 1: quite interesting.\n\nChannel 0: Because\n\nChannel 1: But\n\nChannel 0: have\n\nChannel 1: then also, I might oh, well, they say I might I don't know what they're doing.\n\nChannel 0: yeah. Well, no. Look. It was a really good decision to move it out. So Banda Long had been underperforming, and we don't want you to be an investment that are underperforming.\n\nSo, realistically, we've moved you into the a 200, which more is a passively managed and attracts the top 200 companies on the ASF. It's actually giving you greater diversification, which helps to lower the overall risk of your portfolio. Because Bannalong\n\nChannel 1: Yep.\n\nChannel 0: only held anywhere between 15 to 25 different investments in their portfolio depending on what they're invested in. So by moving you out\n\nChannel 1: Yep.\n\nChannel 0: of Bannalong and into the a 200, you're now getting exposure to the top 200 companies. It does help\n\nChannel 1: Okay.\n\nChannel 0: to reduce the overall risk with diversification and also concentrated with based on one asset manager because we're not we're essentially, you know, looking at the top 200 companies. There\n\nChannel 1: Mhmm.\n\nChannel 0: is\n\nChannel 1: Yep.\n\nChannel 0: a bit of a criteria for those companies to be in the top 200. And if a\n\nChannel 1: Yep.\n\nChannel 0: company doesn't meet that criteria, they are moved out. And then, obviously, these investments that are tracking that, they do make the change as well. So you are always tracking the top 200 companies. It's helping to,\n\nChannel 1: Yeah.\n\nChannel 0: you know, alleviate overall risk, and we just wanna sort of watch things to make sure it comes out and does provide a bit more growth there for you. So I'll definitely\n\nChannel 1: Yep.\n\nChannel 0: be watching this over the next few months. I was\n\nChannel 1: Yeah.\n\nChannel 0: sort\n\nChannel 1: Interesting.\n\nChannel 0: of looking\n\nChannel 1: Okay.\n\nChannel 0: at whether because Netwealth is one not a bad platform in any way, shape, or form. I could look at maybe moving you out of Netwealth and maybe updating your portfolio. Did you want\n\nChannel 1: Yep.\n\nChannel 0: me to go back? I've had a bit of a look at things prior to the call. There are some changes that we could definitely make. Maybe you look at rebalancing your portfolio, maybe look at the other investments you do have in the portfolio\n\nChannel 1: Yep.\n\nChannel 0: there, and maybe look at updating things for you. Would you like me to do that as well?\n\nChannel 1: Yeah. Definitely. Like, my\n\nChannel 0: Yeah.\n\nChannel 1: because I've got my husband onto you guys after I moved. Like, you\n\nChannel 0: Yeah.\n\nChannel 1: guys suggested we moved to net\n\nChannel 0: Yep.\n\nChannel 1: Netwealth, and I was based on, like, his advice and what he was you know, his situation, he got put in a completely different financial. I was like, oh, that's probably why they get\n\nChannel 0: In\n\nChannel 1: paid\n\nChannel 0: a\n\nChannel 1: the\n\nChannel 0: different\n\nChannel 1: big bucks\n\nChannel 0: platform.\n\nChannel 1: because they you know, it's but in I was like, no.\n\nChannel 0: Yeah.\n\nChannel 1: You need that. Well, it's so good. But, no, I'm happy to,\n\nChannel 0: Yeah.\n\nChannel 1: yes, definitely have a look at, yes,\n\nChannel 0: Absolutely.\n\nChannel 1: what might be best. And and I don't mind being a little bit more, like like, radical, I guess, is the word because I'm only thirty thirty two.\n\nChannel 0: You are.\n\nChannel 1: So I'm\n\nChannel 0: You're\n\nChannel 1: happy to\n\nChannel 0: so\n\nChannel 1: be a bit\n\nChannel 0: young.\n\nChannel 1: more high risk or just a bit more high risk, you know, for the next even ten years\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: at least, you know, just maximizing that and then and then moving to safer investments, you know, a\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: bit more up there.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: that's generally the way we wanna do it. So we wanna\n\nChannel 1: Yeah.\n\nChannel 0: start off now taking on a bit more risk,\n\nChannel 1: Mhmm.\n\nChannel 0: allowing, you know, having this as much as we know where the downtimes are going to happen is a part of investing. But taking on a bit more risk now does mean that whilst you are young, whilst you can't touch your sleep, or while you do have that time horizon ahead of you, you do have the opportunity to get on greater gains\n\nChannel 1: Yep.\n\nChannel 0: when the market is doing really well. Admittedly, we will see the fallback like we have some of this year, but\n\nChannel 1: Yep.\n\nChannel 0: allowing yourself to go through those, continue contributing through, you do obviously benefit greater from that.\n\nChannel 1: Yep.\n\nChannel 0: The high growth sort of environment does suit someone who has about eight years before ask accessing their super. So generally speaking, about eight years out, we wanna kinda pull that back a little\n\nChannel 1: Yeah.\n\nChannel 0: bit.\n\nChannel 1: Okay.\n\nChannel 0: We can even\n\nChannel 1: Yep.\n\nChannel 0: do\n\nChannel 1: Yep.\n\nChannel 0: so more, like, a lot closer if you prefer. Some people\n\nChannel 1: Yep.\n\nChannel 0: kinda get to ten years out and go, hey. I kinda just wanna\n\nChannel 1: Yep.\n\nChannel 0: drop it back a bit now.\n\nChannel 1: Interesting.\n\nChannel 0: But we won't sort of do a drastic change. I like to sort of step things down gradually. So you're sort of reducing your risk level by about 10% at a time. That way, it's not a huge drastic change. You\n\nChannel 1: Mhmm.\n\nChannel 0: start doing\n\nChannel 1: Yep.\n\nChannel 0: gradually, so you're moving down in segments. So you kinda keep it working harder as long as possible, but gradually reduce that risk level down a little bit. But we will kind of get to that point when you're much older\n\nChannel 1: Yep. No.\n\nChannel 0: and\n\nChannel 1: That's fine.\n\nChannel 0: much\n\nChannel 1: Yeah.\n\nChannel 0: closer.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And like you as I said, you're happy to take on a bit more risk now, but it doesn't alleviate. There can be times where you hear what's happening in the news. It's everywhere, all over Facebook, and everything is the same post, and it can cause a little bit of panic. So if you hear those sorts of things,\n\nChannel 1: Yep.\n\nChannel 0: Erin, give me a call. More than happy to talk you through them, let you know what's going on, and more than happy to reevaluate, you know, your investments and risk level at any time.\n\nChannel 1: Yep.\n\nChannel 0: Even though we have kind of made that change within Netwealth, I will go back and just reevaluate the portfolio for you. I can reevaluate\n\nChannel 1: Mhmm.\n\nChannel 0: Netwealth against other platforms as well to see if something is a bit cheaper. We do also consider the CDT consequences. So just like you, your super fund does a tax return every year. So any restructuring or buying and selling of an investment does have taxation consequences. So I'll review the taxation consequences against the moving and against the\n\nChannel 1: Yep.\n\nChannel 0: switching to see whether it is okay to maybe move out of Netwealth now or whether\n\nChannel 1: Yep.\n\nChannel 0: we should hold off and just retain\n\nChannel 1: Hold on.\n\nChannel 0: and what\n\nChannel 1: Yep.\n\nChannel 0: that looks like for you. Is that okay?\n\nChannel 1: Yeah. No. That sounds good.\n\nChannel 0: Yeah?\n\nChannel 1: Thank you.\n\nChannel 0: Beautiful. Excellent. Let's review that. And you mentioned you're happy to stay in that high growth environment with that ninety ten split between\n\nChannel 1: Yes.\n\nChannel 0: growth and defensive assets. Did you wanna reevaluate that at all or that's okay?\n\nChannel 1: No. No. That's okay. Thanks, Dana.\n\nChannel 0: Yep.\n\nChannel 1: It's all good. Yep.\n\nChannel 0: That's okay. Beautiful. Excellent. Just giving you an update on your balance as well. So as of the July 10 there, your balance is a 105,322 and $80.82 cents there.\n\nI'm just\n\nChannel 1: Mhmm.\n\nChannel 0: looking to see if Netwealth won't log me out. I can grab you today's balance because it has been a few days since. Sorry. Won't be one second. There we go.\n\nThe balance is little bit of a dip out in the market here at the moment. So you are at $104,006.41 and 72¢. So a little bit of a pullback. But, as I said, I'll go back and definitely review everything for you. We'll\n\nChannel 1: Yes.\n\nChannel 0: come back\n\nChannel 1: Yep.\n\nChannel 0: and do an advice document that outlines what we recommend for your super, what the investments recommend, the advantages, the disadvantages, the risks, the CGT consequences, and how that looks for you projected over the next sort of ten years. How does\n\nChannel 1: Yep.\n\nChannel 0: that sound? Yeah.\n\nChannel 1: Yeah. No. That's fine. Thanks, Dana.\n\nChannel 0: Beautiful. All good. And, look, all of that's part of our services as advisers is to update\n\nChannel 1: Yes.\n\nChannel 0: the advice and be changing the investments as we need to as we speak to you as well. So\n\nChannel 1: Yep.\n\nChannel 0: there is no additional cost for our recommendations. I will provide the recommendations to you, and you get to decide whether you're happy to take them or not. There's no obligation whatsoever.\n\nChannel 1: Yes.\n\nChannel 0: And it's all part of the ongoing service agreement that you you know, it's all part of our ongoing services as well. Alright?\n\nChannel 1: Yep. No. That's great. Thank you.\n\nChannel 0: Excellent. Just to update\n\nChannel 1: Cool.\n\nChannel 0: a few other details here. Now I do also have your insurances there. So at the moment, having a look, you've got your life and TBD cover there. The current sum insured is $678,005.65. That's for both life and TBD.\n\nChannel 1: Yep.\n\nChannel 0: The amount of the premiums that you pay for this year from the super fund was $436.15, which is fantastic. On\n\nChannel 1: Yep.\n\nChannel 0: this summary, you will see the $4.88 29 figure. Essentially, the $4.88 is how much the fund or TAO have received for the premiums, but you get a bit of a rebate on them. So you actually pay a little bit less out of your super fund, and you get a 15\n\nChannel 1: Yep.\n\nChannel 0: percent discount, which is kind of nice.\n\nChannel 1: Yep.\n\nChannel 0: In\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: event I know you guys own your main primary residence outright, and you're going to sort of have that loan. You said about 70 to 80,000 owing on that commercial property in Roma there as well.\n\nChannel 1: Yep.\n\nChannel 0: Is there anything is there anything else that you sort of wanted to cover, like, in the event and I hate sort of going down this route. Like, in the event of you passing away, is it just sort of paying out the debts and then providing the rest to Jack? What's kind of important to you? What did you wanna have that money cover?\n\nChannel 1: Probably, like, because Jeff and I are pretty financially secure. We've we've sort of both said that any anything we have personally, like, not not have joined home,\n\nChannel 0: Yeah.\n\nChannel 1: but anything we have personally will go to probably to our kids.\n\nChannel 0: Okay.\n\nChannel 1: And we have we have actually, through the advice of you guys, done our bills and EPOS and stuff this\n\nChannel 0: I\n\nChannel 1: year.\n\nChannel 0: love it.\n\nChannel 1: So we'll set up we've set up a trust plan. There will be a trust set up, like, in the case of\n\nChannel 0: Fan yep.\n\nChannel 1: either of us passing early. So no. Basically, like and if anything were to happen to either of us, like, my the kids will go to my sister. So\n\nChannel 0: Fantastic.\n\nChannel 1: any\n\nChannel 0: Oh, beautiful.\n\nChannel 1: like like I said, if you like school, yeah, school fees and any extra, yeah, costs that they\n\nChannel 0: Yeah.\n\nChannel 1: might incur raising a few extra.\n\nChannel 0: Yeah. Oh, that's really good. I'm so glad you've done that. That's fantastic.\n\nChannel 1: Yes. No.\n\nChannel 0: It\n\nChannel 1: It was\n\nChannel 0: it's\n\nChannel 1: a long\n\nChannel 0: a big relief.\n\nChannel 1: process. Hello?\n\nChannel 0: Can it yeah. I got you, Erin.\n\nChannel 1: Oh,\n\nChannel 0: You\n\nChannel 1: sorry.\n\nChannel 0: came back. It's all good. No. You're fine.\n\nChannel 1: Sorry.\n\nChannel 0: No. Look. Honestly, really happy you've done that. With your beneficiaries on your life cover and your super, you've got them currently nominated. So in the event of you passing your life cover and super is paid to Jack so he can obviously look after the family, pay down whatever\n\nChannel 1: Yep.\n\nChannel 0: debt there, and keep\n\nChannel 1: Yes.\n\nChannel 0: looking after the kids moving forward. You're happy\n\nChannel 1: Yeah.\n\nChannel 0: with how\n\nChannel 1: That's\n\nChannel 0: they're structured?\n\nChannel 1: fine. Yeah. That's fine. Yep. Yep.\n\nChannel 0: Beautiful. And you're happy with the life and TPD cover that you have at the moment? You\n\nChannel 1: Yeah.\n\nChannel 0: didn't\n\nChannel 1: I\n\nChannel 0: wanna\n\nChannel 1: think\n\nChannel 0: sort\n\nChannel 1: so,\n\nChannel 0: of\n\nChannel 1: Dana. We can\n\nChannel 0: not\n\nChannel 1: increase\n\nChannel 0: yep.\n\nChannel 1: that if I get out you know, when I get older, but, no,\n\nChannel 0: Yeah.\n\nChannel 1: all good for now. Thank you.\n\nChannel 0: Excellent. All good. You don't have any income protection. I know you are, you know, about to have another baby. When's the\n\nChannel 1: Yep.\n\nChannel 0: baby due?\n\nChannel 1: December. They did it for a while\n\nChannel 0: Oh\n\nChannel 1: yet,\n\nChannel 0: my\n\nChannel 1: but,\n\nChannel 0: gosh. It it'll go\n\nChannel 1: no,\n\nChannel 0: fast.\n\nChannel 1: it'll be a humbling experience, I'm sure, having a toddler and a and a\n\nChannel 0: A\n\nChannel 1: and\n\nChannel 0: newborn\n\nChannel 1: a new\n\nChannel 0: and\n\nChannel 1: baby.\n\nChannel 0: a toddler. Absolutely. No. All good. Obviously, with having a new baby, income protection is able to be obtained whilst you are working.\n\nWhen you're on maternity leave and in the third trimester, it is harder to sort of obtain. But in the event that you aren't able to work with your financial situation, you guys are pretty, as you said, financially stable. Does Jack's income cover, you know, any ongoing or, you know, bills that would\n\nChannel 1: Mhmm.\n\nChannel 0: need to be covered, or\n\nChannel 1: Yeah.\n\nChannel 0: would you\n\nChannel 1: I\n\nChannel 0: need to\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: think I'm\n\nChannel 0: that\n\nChannel 1: I'm okay\n\nChannel 0: be\n\nChannel 1: for income protection for now.\n\nChannel 0: okay? Yep.\n\nChannel 1: Like and I've I do have some savings and a rainy day account, plus\n\nChannel 0: Yep.\n\nChannel 1: plus I yeah. No. I think I think we'll be okay for income protection.\n\nChannel 0: Yep.\n\nChannel 1: And, like and I'm not earning a lot of money at the moment,\n\nChannel 0: Yep.\n\nChannel 1: actually,\n\nChannel 0: Yep.\n\nChannel 1: so that's that's probably not worth much protecting.\n\nChannel 0: No. That's okay. That's absolutely fine. I mean, honestly, you're you just staying there and being their wife and their mom, that is a 150% worth protecting. You are more\n\nChannel 1: Yes.\n\nChannel 0: valuable than\n\nChannel 1: Yes.\n\nChannel 0: the money you bring in.\n\nChannel 1: Yes. That's right. That's what we've yes. That's what we've justified. Yep.\n\nChannel 0: Absolutely. No. That's perfect. And, obviously, there are other types of insurance that you can obtain outside of super things like trauma, child trauma. So you can also get trauma policies to cover your kids in the event that they are diagnosed with major traumatic conditions.\n\nNormally,\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Right.\n\nChannel 0: stock those is about the age of two. And\n\nChannel 1: Yep.\n\nChannel 0: you can also get child investments. So the other thing we sort of wanted to you know, we were talking about was when you have this secondary child, there are other child investments out there, like, you know, child bonds where you can be putting your money money away for their future to be transferred to them at a certain life event, say,\n\nChannel 1: Yes.\n\nChannel 0: 25 or 18\n\nChannel 1: Yes.\n\nChannel 0: to help them buy\n\nChannel 1: Yep.\n\nChannel 0: a house down the track or if you wanted to put money away\n\nChannel 1: Yep.\n\nChannel 0: for, you know, private school fees or things like that down the track, you\n\nChannel 1: Yes.\n\nChannel 0: can do so. Child bonds, when you kinda get to that point, we can have that conversation, look at how to invest money for your kids in the future. But with, like, trauma and child trauma and things, are you wanting to look at getting anything additional? You're\n\nChannel 1: Yep.\n\nChannel 0: happy to just not\n\nChannel 1: No.\n\nChannel 0: pay\n\nChannel 1: Probably\n\nChannel 0: anything\n\nChannel 1: not\n\nChannel 0: out\n\nChannel 1: child\n\nChannel 0: of pocket?\n\nChannel 1: trauma, but definitely, the bonds might be something we can chat about when there's number twos\n\nChannel 0: A\n\nChannel 1: on\n\nChannel 0: bit\n\nChannel 1: the\n\nChannel 0: more?\n\nChannel 1: ground.\n\nChannel 0: Yeah. That was kind of the recommendation with what to do with the money was to sort of put it into, like, a child investment bond.\n\nChannel 1: Yes.\n\nChannel 0: It works very\n\nChannel 1: Yes.\n\nChannel 0: similar to,\n\nChannel 1: Oh,\n\nChannel 0: like, an\n\nChannel 1: god.\n\nChannel 0: investment\n\nChannel 1: Okay.\n\nChannel 0: account, very similar to your super. The main sort\n\nChannel 1: Yep.\n\nChannel 0: of difference is that that, like, with investments in your own name, you have to account for the income and the growth as part of your tax return. With child investment\n\nChannel 1: Yeah. Okay.\n\nChannel 0: bonds, they are more of an insurance product. So you're putting the money into the investment, and you can start with as little as a thousand dollars. And you just\n\nChannel 1: Yep.\n\nChannel 0: need to be able to make regular contributions in on a regular basis.\n\nChannel 1: Okay.\n\nChannel 0: Normally,\n\nChannel 1: Yep.\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: can put in more each year about a 125 more than the previous year's contributions to keep continuously growing over time.\n\nChannel 1: Yep.\n\nChannel 0: And you haven't invested in investments the same as you see for any other investment account.\n\nChannel 1: Yep.\n\nChannel 0: But it's all sort of because it's all in this sort of bond structure, this trust structure, you actually don't have to account for any of the growth or the income in your own personal\n\nChannel 1: Yeah. K.\n\nChannel 0: tax return. It's sort of sheltered for the child, and you'd\n\nChannel 1: Yep.\n\nChannel 0: have to set up one for each individual child. But it's a great way to shelter money for the kids to grow investments\n\nChannel 1: Yep.\n\nChannel 0: in their name\n\nChannel 1: Yeah.\n\nChannel 0: without them having to suffer tax consequences of having an investment in their own name. They don't have to have a tax phone number or anything like that, and it\n\nChannel 1: Okay.\n\nChannel 0: doesn't affect your personal tax return either, and it's a great way to build investments. So when\n\nChannel 1: Okay.\n\nChannel 0: baby\n\nChannel 1: Let\n\nChannel 0: number\n\nChannel 1: me just\n\nChannel 0: two\n\nChannel 1: try\n\nChannel 0: comes\n\nChannel 1: this\n\nChannel 0: along\n\nChannel 1: down.\n\nChannel 0: and you guys\n\nChannel 1: Yep.\n\nChannel 0: have had a bit more of a chat, talk about it. Let\n\nChannel 1: Yep.\n\nChannel 0: me know. I'm happy to. Even if next year, you guys wanted to have the annual review together, we could talk about how your\n\nChannel 1: Yeah.\n\nChannel 0: supers are going together,\n\nChannel 1: Yes.\n\nChannel 0: look at what's\n\nChannel 1: Yep.\n\nChannel 0: happening as a a, you know, future goals for the two of you, and talk about what we\n\nChannel 1: Yep.\n\nChannel 0: can definitely do with you guys if you're comfortable to do so. Yeah.\n\nChannel 1: Yep. Yep. No. That sounds good. Because I there is no.\n\nSorry. I'm just writing this down about the bond.\n\nChannel 0: Yeah.\n\nChannel 1: But, no, I think, like, Jack well, Jack's working away for work at the moment for the next few weeks,\n\nChannel 0: Yeah.\n\nChannel 1: but I no. I would like to probably have him there with the with the next one. Because I would like to do something\n\nChannel 0: Absolutely.\n\nChannel 1: with because the\n\nChannel 0: Yeah.\n\nChannel 1: because, like, Angus is getting some money from his grandparents and,\n\nChannel 0: Yeah.\n\nChannel 1: yes, would like to make a little bit of an opportunity out of it.\n\nChannel 0: Absolutely. I know with my kids, I always think they're 19 and well, my oldest two are 19 and\n\nChannel 1: Yep.\n\nChannel 0: 20. My youngest is only 10, but I look at\n\nChannel 1: Yep.\n\nChannel 0: how much growth my property has made, and I love that. But I also\n\nChannel 1: Yeah.\n\nChannel 0: am\n\nChannel 1: Yeah.\n\nChannel 0: quite scared of what it's gonna look like for our kids when they get old enough to buy a property\n\nChannel 1: I\n\nChannel 0: or\n\nChannel 1: know.\n\nChannel 0: want to buy a\n\nChannel 1: I\n\nChannel 0: property, and I\n\nChannel 1: know.\n\nChannel 0: go, how are you gonna\n\nChannel 1: The state\n\nChannel 0: do this?\n\nChannel 1: oh, yeah. Yes.\n\nChannel 0: It's\n\nChannel 1: God.\n\nChannel 0: insane.\n\nChannel 1: I think they'll have to\n\nChannel 0: Yeah.\n\nChannel 1: live with us forever. That's the way it's going.\n\nChannel 0: The bank of mom and dad is coming back.\n\nChannel 1: Yeah. Yeah. Yeah. I thought somewhere that it's the second biggest lender in Australia at the moment or, like, in the top, yeah, top five anyway of the biggest banks,\n\nChannel 0: Wow.\n\nChannel 1: Bank of Mom and Dad.\n\nChannel 0: Yeah. It's only gonna become more prevalent, I reckon. It's pretty\n\nChannel 1: Yeah.\n\nChannel 0: insane.\n\nChannel 1: Yeah. Interesting. Interesting.\n\nChannel 0: Yeah. Just to kinda update any other details here, so you've got the new commercial property. When is that due to settle? Do you know?\n\nChannel 1: It'll be it's a long settlement, a ninety day settlement, so at least another\n\nChannel 0: Yep.\n\nChannel 1: sixty days.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And we should owe roughly about 70 to 80,000 on that one. What's the rough\n\nChannel 1: Yeah.\n\nChannel 0: valuation of that, do you think?\n\nChannel 1: Let's see. Yeah. All I can tell you is a\n\nChannel 0: That's\n\nChannel 1: square meterage, and it was let me just see if this is right. So it's $35 a square meter. I think it was\n\nChannel 0: okay.\n\nChannel 1: about 3,000 square three and a half. I think it'll be it's about three and a half square meters and\n\nChannel 0: Okay.\n\nChannel 1: 35 square meter. Yeah. It'll be about a 120, 130. And I just have\n\nChannel 0: Okay.\n\nChannel 1: to because he's the one that did the wheel and deal on that one. But\n\nChannel 0: Yeah. That's\n\nChannel 1: and\n\nChannel 0: okay.\n\nChannel 1: then it'll be plus, like, plus fees as well.\n\nChannel 0: Yeah. No. That's absolutely fine. Not a problem at all. And you got another ninety days before that settles.\n\nEasy.\n\nChannel 1: Yeah.\n\nChannel 0: You've got your\n\nChannel 1: Yes.\n\nChannel 0: main primary residence there. Now I know that was originally you sold off your what was your PBR last year, and you've bought this\n\nChannel 1: Mhmm.\n\nChannel 0: new property, which is now your main\n\nChannel 1: Mhmm.\n\nChannel 0: primary residence. Asset\n\nChannel 1: Mhmm.\n\nChannel 0: value we had on that was about 1,200,000. What do you estimate that\n\nChannel 1: Yeah.\n\nChannel 0: might be\n\nChannel 1: We\n\nChannel 0: worth\n\nChannel 1: haven't\n\nChannel 0: now?\n\nChannel 1: had a recent evaluation, but we were saying the other day, like, probably 1.3, one point keep it at\n\nChannel 0: Yeah.\n\nChannel 1: 1.2. The market's\n\nChannel 0: Yep.\n\nChannel 1: lifestyle\n\nChannel 0: It is.\n\nChannel 1: blocks around Roma and probably probably further out as well. But, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: those kind of properties are sitting a lot longer on the market. So maybe\n\nChannel 0: Okay.\n\nChannel 1: what it values at and what it would go for at the auction or offer would be\n\nChannel 0: Two\n\nChannel 1: very different.\n\nChannel 0: different\n\nChannel 1: But,\n\nChannel 0: prices.\n\nChannel 1: yeah,\n\nChannel 0: Yeah.\n\nChannel 1: we'd hope it would be valued around 1.2.\n\nChannel 0: Absolutely. No. All good. And you still don't have any loans on that one. That was all paid out.\n\nThat\n\nChannel 1: No.\n\nChannel 0: was correct,\n\nChannel 1: No.\n\nChannel 0: wasn't\n\nChannel 1: That's\n\nChannel 0: it?\n\nChannel 1: paid off.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. We also have down your 2023 Prado, a value of 63,000 approximately. Would you value\n\nChannel 1: Yep.\n\nChannel 0: it the same or maybe decrease\n\nChannel 1: Yeah.\n\nChannel 0: slightly?\n\nChannel 1: Plus yeah. Plus the oh god. What's the word that it\n\nChannel 0: The depreciation?\n\nChannel 1: depreciation. Sorry. Word finding difficulty. Yep. Depreciate\n\nChannel 0: You're\n\nChannel 1: plus depreciation.\n\nChannel 0: fine.\n\nChannel 1: I would hope it would still get, like, mid fifties at the\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Because\n\nChannel 0: I\n\nChannel 1: it's the\n\nChannel 0: honestly\n\nChannel 1: older style.\n\nChannel 0: reckon you could get close to 60 because they are still\n\nChannel 1: Yeah.\n\nChannel 0: really, really popular.\n\nChannel 1: Yeah. Yeah. Well, the new Prados I don't know. I've I've heard some mixed reviews about the new Prado, so I don't know how they'll go. Anyway, that's what\n\nChannel 0: Yeah.\n\nChannel 1: I'll tell myself anyway.\n\nChannel 0: That's okay.\n\nChannel 1: Yes.\n\nChannel 0: We\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: That's\n\nChannel 0: reckon\n\nChannel 1: still\n\nChannel 0: 50\n\nChannel 1: got the\n\nChannel 0: eight,\n\nChannel 1: old Prado.\n\nChannel 0: '59, or '55.\n\nChannel 1: Yeah.\n\nChannel 0: What do you reckon?\n\nChannel 1: Let's do that. Let's do 50\n\nChannel 0: Yep.\n\nChannel 1: 5. I'll go go\n\nChannel 0: 50\n\nChannel 1: low.\n\nChannel 0: 5.\n\nChannel 1: Yep. Yep.\n\nChannel 0: We did have about 12,000 in personal savings last year. I know you are inheriting or you've got that\n\nChannel 1: Yes.\n\nChannel 0: 50,000 as well. Would that be how much do you have in the savings at the moment total?\n\nChannel 1: Yeah. Plus that's a good question. Including the money from my dad is about is 55.\n\nChannel 0: Sorry. 55. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. And contents, we had that. You did about 80,000. Would you sort of change that at all with everything you're now purchasing for baby number two?\n\nChannel 1: Yeah. Look. Let's keep that.\n\nChannel 0: Yeah. That's okay. You're good. You probably got most of the things from your other from Angus and maybe updating all his stuff. Is that\n\nChannel 1: Yeah.\n\nChannel 0: how it's working\n\nChannel 1: Look.\n\nChannel 0: at\n\nChannel 1: I\n\nChannel 0: the moment?\n\nChannel 1: I definitely I definitely haven't bought anything just yet. But if it's a girl, it might have to have some girl clothes, but, otherwise, it'll\n\nChannel 0: Yes.\n\nChannel 1: be the same setup.\n\nChannel 0: Oh, so cute. So you don't know what you're\n\nChannel 1: But\n\nChannel 0: having\n\nChannel 1: no.\n\nChannel 0: yet?\n\nChannel 1: Nothing. No big\n\nChannel 0: Yeah.\n\nChannel 1: no big contents purchases that really need adding,\n\nChannel 0: No. That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: would have\n\nChannel 0: That's\n\nChannel 1: thought.\n\nChannel 0: absolutely fine. Any other cars, boats, or caravans, or investors that we maybe need to note down at all? Sorry, Erin. I think I lost you. Hello?\n\nErin, can you hear me? I've got you back.\n\nChannel 1: Oh, sorry. It is a oh, sorry. Sorry.\n\nChannel 0: You're\n\nChannel 1: I swear\n\nChannel 0: fine.\n\nChannel 1: I'm not moving.\n\nChannel 0: You're absolutely fine, honestly. I\n\nChannel 1: I'm\n\nChannel 0: promise,\n\nChannel 1: hanging on\n\nChannel 0: Wendy,\n\nChannel 1: to my\n\nChannel 0: you'll\n\nChannel 1: one\n\nChannel 0: be\n\nChannel 1: bar.\n\nChannel 0: done.\n\nChannel 1: No. No. Hang on\n\nChannel 0: You're\n\nChannel 1: to one bar.\n\nChannel 0: no. All good. There is there anything else that you would note down asset wise?\n\nChannel 1: No. No. I\n\nChannel 0: No.\n\nChannel 1: don't no. I don't think so.\n\nChannel 0: That's okay. Income\n\nChannel 1: No. All\n\nChannel 0: wise,\n\nChannel 1: good.\n\nChannel 0: we had you on about a 130,000 last year. Are you still averaging the same, or is that kinda dropped\n\nChannel 1: No.\n\nChannel 0: back a little\n\nChannel 1: No.\n\nChannel 0: bit?\n\nChannel 1: No. Sorry. I no. I'm getting paid by so I'm working out of or under the my husband's company in a\n\nChannel 0: Yep.\n\nChannel 1: under a separate business. So I'm\n\nChannel 0: Yep.\n\nChannel 1: getting I'm earning $40 a year.\n\nChannel 0: Okay. Perfect. 40\n\nChannel 1: Yep.\n\nChannel 0: thousand. And contributions in the so far, I can see them going in. It's not really loading for me at the moment, but you were just doing initially $50 per week. Are you still doing\n\nChannel 1: Yes.\n\nChannel 0: it that way, or is it being\n\nChannel 1: No. I'm not\n\nChannel 0: yep.\n\nChannel 1: doing that anymore just because I'm not making as much money, but, no, my husband's just paying us whatever the rate is for\n\nChannel 0: The 12%.\n\nChannel 1: super when he,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, what he what he pays us when he\n\nChannel 0: Yep.\n\nChannel 1: pays us once a month.\n\nChannel 0: Beautiful. Excellent.\n\nChannel 1: Yep.\n\nChannel 0: And you're working through his company now. So because\n\nChannel 1: Mhmm.\n\nChannel 0: we originally had you down as a physio, are you still working as a physio, or is the oldest\n\nChannel 1: Yes.\n\nChannel 0: under\n\nChannel 1: Yeah.\n\nChannel 0: his company\n\nChannel 1: So it's still\n\nChannel 0: admin?\n\nChannel 1: yeah. No. No. So it's still still Physio, but I've just set\n\nChannel 0: Yeah.\n\nChannel 1: the business under his company. So\n\nChannel 0: Okay.\n\nChannel 1: Mariner or Physio is still operating as, a\n\nChannel 0: Yep.\n\nChannel 1: yeah. As a zone business\n\nChannel 0: Yep. So, obviously, Jack's\n\nChannel 1: just\n\nChannel 0: company is kind of the\n\nChannel 1: under\n\nChannel 0: parent company, and you're\n\nChannel 1: the\n\nChannel 0: underneath that banner, and\n\nChannel 1: company\n\nChannel 0: you work under\n\nChannel 1: banner.\n\nChannel 0: him. Yep. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: That's absolutely\n\nChannel 1: Yes.\n\nChannel 0: fine. I'll note down here about to have a second baby. So that's another change coming along there for you.\n\nChannel 1: Yes.\n\nChannel 0: I've got down here with regard to your goals. You're still quite young, but are we still with regard to super just sort of hoping to retire by the age of 60, maybe income of around 70,000 per annum between yourself and Jack? Is that still what I'm sort of looking tracking towards retirement wise?\n\nChannel 1: Oh, no.\n\nChannel 0: Sorry, Erin.\n\nChannel 1: Hello?\n\nChannel 0: I got you back. It's all\n\nChannel 1: No.\n\nChannel 0: good.\n\nChannel 1: No.\n\nChannel 0: Yes.\n\nChannel 1: What was the retirement age, did you say? Sorry?\n\nChannel 0: 60. 60.\n\nChannel 1: Oh, 60. Yes. Yes.\n\nChannel 0: Yes.\n\nChannel 1: Sixties. Sixties. Right? I mean, I don't know what\n\nChannel 0: Yep.\n\nChannel 1: the official retirement age will be when when we get there, but\n\nChannel 0: Hopefully,\n\nChannel 1: no. If\n\nChannel 0: you\n\nChannel 1: we're\n\nChannel 0: don't\n\nChannel 1: in a\n\nChannel 0: have\n\nChannel 1: financial\n\nChannel 0: to work longer.\n\nChannel 1: position yeah. No. That'll be no. No. I mean, physio is not too bad and too hard on the mind or body.\n\nSo my builder my builder husband will probably be ready to call it quits.\n\nChannel 0: Yeah. Absolutely. No. All good. I've the last goal we had here was about selling your last main primary residence and being able to move into the new property that you guys have built.\n\nSo that's all being\n\nChannel 1: Yep.\n\nChannel 0: done, which is great.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: With this coming in December, any new kind of financial goals or any goals that you both have over the next few years that you'd like to note down?\n\nChannel 1: No. No. We will probably just con like, continue to still live oh, I mean, conservative makes us sound really boring, but we we would like to, in the next, yeah, five years, I think, like I said this before, just, like,\n\nChannel 0: Yes.\n\nChannel 1: take a few years off. So we do wanna just save towards those experiences and keep our material purchases to a minimum. Like, this was\n\nChannel 0: Yep.\n\nChannel 1: a big financial goal for my husband to buy industrial property, so we will\n\nChannel 0: Yeah.\n\nChannel 1: we will develop that over the next few years. Like, we'll build a shed on it and hopefully rent it out,\n\nChannel 0: Yep.\n\nChannel 1: and that provide a bit of extra income. And\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: if I can just keep saving away and I mean, I'd love to buy an investment house further east, but it's just getting more and more unachievable, really. Like, I think the average\n\nChannel 0: Yeah.\n\nChannel 1: house price in Toowoomba's, oh my god, double in the last ten years.\n\nChannel 0: Oh, absolutely.\n\nChannel 1: Anyhow, it's\n\nChannel 0: Yeah.\n\nChannel 1: disgusting. Anyway\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So, no, that's probably our immediate financial goal is to develop this\n\nChannel 0: Yep.\n\nChannel 1: industrial block, sorry, and and rent that out for an extra income.\n\nChannel 0: Yeah. And are you wanting to you guys planning to sort of keep that long term into retirement to supplement income from super, or do you think you'll probably sell that down the track?\n\nChannel 1: Oh, yeah. Look. Depends what happens. Like, the, like, I guess, industrial industry is growing slowly. Like, there are a lot of vacant industrial blocks, so it was a bit\n\nChannel 0: Yep.\n\nChannel 1: of a gamble,\n\nChannel 0: Yep.\n\nChannel 1: but it was it was quite cheap.\n\nChannel 0: Yes.\n\nChannel 1: So, look, we will hold on to it if it's if it's\n\nChannel 0: Yes.\n\nChannel 1: getting rented probably long term because we'd like to just see it provide us a, yeah, a bit of extra income.\n\nChannel 0: Absolutely.\n\nChannel 1: And if something better comes along, we can sell that and get rid of it. Go\n\nChannel 0: Oh,\n\nChannel 1: move on\n\nChannel 0: fantastic.\n\nChannel 1: to something better.\n\nChannel 0: Yeah. Absolutely. Fantastic. Well, thank you so much for updating those details. So just\n\nChannel 1: No.\n\nChannel 0: to\n\nChannel 1: No.\n\nChannel 0: kind\n\nChannel 1: Thanks\n\nChannel 0: of recap,\n\nChannel 1: for your\n\nChannel 0: I'll go\n\nChannel 1: time.\n\nChannel 0: that's alright. I'll go back and review your suit for the investments,\n\nChannel 1: Yep.\n\nChannel 0: look at how everything's\n\nChannel 1: Yes.\n\nChannel 0: been working.\n\nChannel 1: No. That'll be yeah.\n\nChannel 0: I'll update some advice for you. I'll just retain your insurances as they are, not looking\n\nChannel 1: Yep.\n\nChannel 0: to get any new cover with income protection or trauma. I'll scope those out for now. We can always\n\nChannel 1: Yep.\n\nChannel 0: come back and review those down the track there.\n\nChannel 1: Yep.\n\nChannel 0: Inside that email, you've got those documents that went through giving you your balance and your performance there. I'm always open to let you know when something isn't you're tracking well. When there is a downtime, I'll stand forefront and go, look. It is\n\nChannel 1: Yep.\n\nChannel 0: a downtime. Right now, it is what it is. We don't like it, but it is here.\n\nChannel 1: Yes.\n\nChannel 0: So we just kind of, you know, track forward and see how we are going. I'll update\n\nChannel 1: Yep.\n\nChannel 0: the advice to reflect for you, and we do also have the financial services guide in that email and also your ongoing service agreement as well. So you do\n\nChannel 1: Yep.\n\nChannel 0: pay the ongoing service fee for our services. It is 1.65% per annum\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: is deducting smaller monthly increments from your super debt. So if\n\nChannel 1: Yep.\n\nChannel 0: you're happy to\n\nChannel 1: No.\n\nChannel 0: stay on board for another year and want me to do the advice,\n\nChannel 1: No.\n\nChannel 0: I'll\n\nChannel 1: That's\n\nChannel 0: get you\n\nChannel 1: great.\n\nChannel 0: to sign a return that fast.\n\nChannel 1: Yep.\n\nChannel 0: But feel free to have a look through those documents there. And if you find you have any other questions or if there's something I haven't touched on, let me know.\n\nChannel 1: No.\n\nChannel 0: We can always come back and check again. Okay.\n\nChannel 1: No. That's very thorough. Thanks. Thanks very much,\n\nChannel 0: Excellent.\n\nChannel 1: Dana. Thanks\n\nChannel 0: Not\n\nChannel 1: for\n\nChannel 0: a\n\nChannel 1: your\n\nChannel 0: problem.\n\nChannel 1: time.\n\nChannel 0: Anytime. You have a great afternoon with your kids. Good luck. I will definitely talk to you before Bob comes along, but I'm very\n\nChannel 1: Yes.\n\nChannel 0: excited for you guys.\n\nChannel 1: Oh, thank you. Thank you. Yeah.\n\nChannel 0: Oh,\n\nChannel 1: Take\n\nChannel 0: good.\n\nChannel 1: care of yourself, and we'll\n\nChannel 0: Yeah.\n\nChannel 1: thanks.\n\nChannel 0: Well done. I'll talk to you in a couple of weeks. Thank you so much, Erin. Talk to you soon.\n\nChannel 1: Thanks,\n\nChannel 0: See\n\nChannel 1: Dana.\n\nChannel 0: you later.\n\nChannel 1: Alright. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Erin.","start":3.84,"end":4.48,"sentiment":"neutral","sentiment_score":0.10380294546484947},{"text":"It's Dana from Oakey Financial.","start":4.48,"end":6.0,"sentiment":"neutral","sentiment_score":0.11966885179281235},{"text":"How","start":6.0,"end":6.16,"sentiment":"neutral","sentiment_score":0.10663465410470964}],"sentiment":"neutral","sentiment_score":0.11407310049980879,"channel":0,"num_words":8,"start":3.84,"end":6.16},{"sentences":[{"text":"Hi,","start":6.08,"end":6.48,"sentiment":"neutral","sentiment_score":0.15838439762592316}],"sentiment":"neutral","sentiment_score":0.15838439762592316,"channel":1,"num_words":1,"start":6.08,"end":6.48},{"sentences":[{"text":"are you","start":6.16,"end":6.48,"sentiment":"neutral","sentiment_score":0.1572442576289177}],"sentiment":"neutral","sentiment_score":0.1572442576289177,"channel":0,"num_words":2,"start":6.16,"end":6.48},{"sentences":[{"text":"Dana.","start":6.48,"end":6.98,"sentiment":"neutral","sentiment_score":0.16231238842010498}],"sentiment":"neutral","sentiment_score":0.16231238842010498,"channel":1,"num_words":1,"start":6.48,"end":6.98},{"sentences":[{"text":"this afternoon?","start":6.48,"end":7.22,"sentiment":"neutral","sentiment_score":0.15766644477844238}],"sentiment":"neutral","sentiment_score":0.15766644477844238,"channel":0,"num_words":2,"start":6.48,"end":7.22},{"sentences":[{"text":"How are you?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.1631884922583898}],"sentiment":"neutral","sentiment_score":0.1631884922583898,"channel":1,"num_words":3,"start":7.12,"end":7.94},{"sentences":[{"text":"Oh, I'm good.","start":7.7599998,"end":8.559999,"sentiment":"positive","sentiment_score":0.45060672362645465},{"text":"Thanks.","start":8.559999,"end":8.88,"sentiment":"positive","sentiment_score":0.5807151794433594},{"text":"How are you?","start":8.88,"end":9.599999,"sentiment":"neutral","sentiment_score":0.262939989566803},{"text":"Can you 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restructuring or buying and selling of an investment does have taxation consequences.","start":1118.82,"end":1124.0399,"sentiment":"neutral","sentiment_score":-0.09997537386204515},{"text":"So I'll review the taxation consequences against the moving and against the","start":1124.34,"end":1128.9149,"sentiment":"neutral","sentiment_score":0.008956938982009888}],"sentiment":"neutral","sentiment_score":0.004393706532816092,"channel":0,"num_words":60,"start":1107.255,"end":1128.9149},{"sentences":[{"text":"Yep.","start":1128.705,"end":1129.205,"sentiment":"neutral","sentiment_score":0.008738948032259941}],"sentiment":"neutral","sentiment_score":0.008738948032259941,"channel":1,"num_words":1,"start":1128.705,"end":1129.205},{"sentences":[{"text":"switching to see whether it is okay to maybe move out of Netwealth now or 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okay?","start":1136.9149,"end":1137.8949,"sentiment":"neutral","sentiment_score":0.041739855582515396}],"sentiment":"neutral","sentiment_score":0.03611422027461231,"channel":0,"num_words":8,"start":1135.715,"end":1137.8949},{"sentences":[{"text":"Yeah.","start":1138.4401,"end":1138.76,"sentiment":"neutral","sentiment_score":0.020484184846282005},{"text":"No.","start":1138.76,"end":1138.92,"sentiment":"neutral","sentiment_score":0.021615851670503616},{"text":"That sounds good.","start":1138.92,"end":1139.9601,"sentiment":"neutral","sentiment_score":0.2071280280749003}],"sentiment":"neutral","sentiment_score":0.1326968241482973,"channel":1,"num_words":5,"start":1138.4401,"end":1139.9601},{"sentences":[{"text":"Yeah?","start":1139.5549,"end":1140.0549,"sentiment":"neutral","sentiment_score":0.12125997245311736}],"sentiment":"neutral","sentiment_score":0.12125997245311736,"channel":0,"num_words":1,"start":1139.5549,"end":1140.0549},{"sentences":[{"text":"Thank 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between","start":1143.25,"end":1147.49,"sentiment":"neutral","sentiment_score":0.2159445865286721}],"sentiment":"neutral","sentiment_score":0.25003707538480346,"channel":0,"num_words":23,"start":1140.77,"end":1147.49},{"sentences":[{"text":"Yes.","start":1147.4801,"end":1147.9801,"sentiment":"neutral","sentiment_score":0.0847928375005722}],"sentiment":"neutral","sentiment_score":0.0847928375005722,"channel":1,"num_words":1,"start":1147.4801,"end":1147.9801},{"sentences":[{"text":"growth and defensive assets.","start":1147.49,"end":1148.85,"sentiment":"neutral","sentiment_score":0.09489788487553596},{"text":"Did you wanna reevaluate that at all or that's okay?","start":1148.85,"end":1152.1499,"sentiment":"neutral","sentiment_score":0.06661348044872284}],"sentiment":"neutral","sentiment_score":0.07469473885638374,"channel":0,"num_words":14,"start":1147.49,"end":1152.1499},{"sentences":[{"text":"No.","start":1152.5751,"end":1152.7351,"sentiment":"neutral","sentiment_score":-0.045652374625205994},{"text":"No.","start":1152.7351,"end":1152.9751,"sentiment":"neutral","sentiment_score":-0.035635314881801605},{"text":"That's okay.","start":1152.9751,"end":1153.615,"sentiment":"neutral","sentiment_score":0.032079776749014854},{"text":"Thanks, Dana.","start":1153.615,"end":1154.255,"sentiment":"neutral","sentiment_score":0.32465381920337677}],"sentiment":"neutral","sentiment_score":0.10536325039962928,"channel":1,"num_words":6,"start":1152.5751,"end":1154.255},{"sentences":[{"text":"Yep.","start":1154.225,"end":1154.725,"sentiment":"neutral","sentiment_score":0.2515677213668823}],"sentiment":"neutral","sentiment_score":0.2515677213668823,"channel":0,"num_words":1,"start":1154.225,"end":1154.725},{"sentences":[{"text":"It's all good.","start":1154.255,"end":1154.895,"sentiment":"positive","sentiment_score":0.3787373900413513},{"text":"Yep.","start":1154.895,"end":1155.395,"sentiment":"neutral","sentiment_score":0.18355636298656464}],"sentiment":"neutral","sentiment_score":0.32994213327765465,"channel":1,"num_words":4,"start":1154.255,"end":1155.395},{"sentences":[{"text":"That's 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possibility of investing in her child's account. They also touch on the importance of reducing risk levels gradually and the benefits of investing in a certain portfolio. The speakers emphasize the importance of reducing risk levels gradually and update the customer's financial goals for the future. They also discuss the customer's retirement plans and the possibility of buying an investment house. The conversation ends with plans for the customer's upcoming visit to Bob."},"intents":{"segments":[{"text":"did have you booked I'm in to just go on to your the annual phone. you're Yes. right. Yep. I had you booked in to go to your annual review and, obviously, Mhmm. talk about the statement of advice that we were looking to provide for you. But if you're a Yep. few sisters, did you want me to make it at a more suitable time?","start_word":120,"end_word":185,"intents":[{"intent":"Schedule annual review","confidence_score":0.061484795}]},{"text":"check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Sorry, Erin.","start_word":334,"end_word":358,"intents":[{"intent":"Confirm security","confidence_score":0.048694097}]},{"text":"Now with the advice piece, I haven't sent that through. I was gonna send it through as a separate document. That was kind of in relation to our last conversation where you wanted to look at maybe investing the money in your child's account to be Yep. able to kind of build and grow over time. Are you Yep.","start_word":490,"end_word":548,"intents":[{"intent":"Send advice","confidence_score":0.1881732},{"intent":"Consider investing money","confidence_score":0.049924392}]},{"text":"I am a little bit more cautious going forward. 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Because Bannalong Yep.","start_word":2781,"end_word":2851,"intents":[{"intent":"Move portfolio","confidence_score":0.007877857}]},{"text":"It's actually giving you greater diversification, which helps to lower the overall risk of your portfolio.","start_word":2833,"end_word":2848,"intents":[{"intent":"Improve portfolio diversification","confidence_score":0.00038550745}]},{"text":"Maybe you look at rebalancing your portfolio, maybe look at the other investments you do have in the portfolio Yep.","start_word":3096,"end_word":3115,"intents":[{"intent":"Assess portfolio management","confidence_score":0.0012476682}]},{"text":"Even though we have kind of made that change within Netwealth, I will go back and just reevaluate the portfolio for you.","start_word":3715,"end_word":3736,"intents":[{"intent":"Evaluate portfolio","confidence_score":0.18395491}]},{"text":"So I'll review the taxation consequences against the moving and against the Yep. switching to see whether it is okay to maybe move out of Netwealth now or whether Yep. we should hold off and just retain Hold on.","start_word":3790,"end_word":3828,"intents":[{"intent":"Review tax consequences","confidence_score":0.8755178}]},{"text":"Just giving you an update on your balance as well. So as of the July 10 there, your balance is a 105,322 and $80.82 cents there.","start_word":3900,"end_word":3925,"intents":[{"intent":"Review balance","confidence_score":0.35301402}]},{"text":"and do an advice document that outlines what we recommend for your super, what the investments recommend, the advantages, the disadvantages, the risks, the CGT consequences, and how that looks for you projected over the next sort of ten years. How does Yep.","start_word":4008,"end_word":4050,"intents":[{"intent":"Review investment recommendations","confidence_score":0.07048159},{"intent":"Update advice","confidence_score":0.0017740678}]},{"text":"a few other details here.","start_word":4165,"end_word":4169,"intents":[{"intent":"Update information","confidence_score":0.04329531},{"intent":"Update details","confidence_score":0.032582372}]},{"text":"a few other details here. Now I do also have your insurances there. So at the moment, having a look, you've got your life and TBD cover there. The current sum insured is $678,005.65. That's for both life and TBD.","start_word":4165,"end_word":4204,"intents":[{"intent":"Present information","confidence_score":0.00013784635}]},{"text":"The amount of the premiums that you pay for this year from the super fund was $436.15, which is fantastic. On Yep.","start_word":4206,"end_word":4227,"intents":[{"intent":"Provide cost savings","confidence_score":0.0013446489}]},{"text":"Probably, like, because Jeff and I are pretty financially secure.","start_word":4395,"end_word":4404,"intents":[{"intent":"Address financial security","confidence_score":0.00016867748}]},{"text":"would you I need to I have think I'm that I'm okay be for income protection for now. okay? Yep.","start_word":4862,"end_word":4881,"intents":[{"intent":"Provide income protection for future needs","confidence_score":0.00006561744}]},{"text":"Child bonds, when you kinda get to that point, we can have that conversation, look at how to invest money for your kids in the future.","start_word":5153,"end_word":5178,"intents":[{"intent":"Discuss investment options","confidence_score":0.33622223}]},{"text":"Even if next year, you guys wanted to have the annual review together, we could talk about how your Yeah. supers are going together, Yes. look at what's Yep. happening as a a, you know, future goals for the two of you, and talk about what we Yep. can definitely do with you guys if you're comfortable to do so. Yeah.","start_word":5562,"end_word":5622,"intents":[{"intent":"Discuss next steps","confidence_score":0.0006210588}]},{"text":"I'm just writing this down about the bond. Yeah.","start_word":5635,"end_word":5643,"intents":[{"intent":"Discuss bond","confidence_score":0.016080808}]},{"text":"yes, would like to make a little bit of an opportunity out of it. Absolutely.","start_word":5706,"end_word":5720,"intents":[{"intent":"Make an opportunity","confidence_score":0.2309666}]},{"text":"how much growth my property has made, and I love that. But I also Yeah.","start_word":5751,"end_word":5765,"intents":[{"intent":"Discuss property growth","confidence_score":0.26105002}]},{"text":"The bank of mom and dad is coming back. Yeah. Yeah. Yeah.","start_word":5830,"end_word":5841,"intents":[{"intent":"Discuss upcoming bank of mom and dad","confidence_score":0.0033091588},{"intent":"Discuss potential outcomes of bank of mom and dad","confidence_score":0.0000010228927}]},{"text":"Just to kinda update any other details here, so you've got the new commercial property. When is that due to settle? Do you know? It'll be it's a long settlement, a ninety day settlement, so at least another Yep. sixty days. Okay. Perfect.","start_word":5892,"end_word":5934,"intents":[{"intent":"Update property details","confidence_score":0.08888805}]},{"text":"we originally had you down as a physio, are you still working as a physio, or is the oldest Yes. under Yeah.","start_word":6880,"end_word":6901,"intents":[{"intent":"Assess physio's role","confidence_score":0.0005037579}]},{"text":"With this coming in December, any new kind of financial goals or any goals that you both have over the next few years that you'd like to note down? No. No.","start_word":7197,"end_word":7227,"intents":[{"intent":"Plan financial goals","confidence_score":0.13715972}]},{"text":"I'll update some advice for you. I'll just retain your insurances as they are, not looking Yep. to get any new cover with income protection or trauma.","start_word":7609,"end_word":7635,"intents":[{"intent":"Update advice","confidence_score":0.32708812}]},{"text":"I'll just retain your insurances as they are, not looking Yep. to get any new cover with income protection or trauma.","start_word":7615,"end_word":7635,"intents":[{"intent":"Update insurances","confidence_score":0.0098365005}]},{"text":"Inside that email, you've got those documents that went through giving you your balance and your performance there. I'm always open to let you know when something isn't you're tracking well.","start_word":7656,"end_word":7686,"intents":[{"intent":"Track progress","confidence_score":0.027193623}]}]},"sentiments":{"segments":[{"text":"Hi, Erin. It's Dana from Oakey Financial. How Hi, are you this Dana. afternoon? How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.13247063755989075},{"text":"Oh, I'm good. Thanks.","start_word":17,"end_word":20,"sentiment":"positive","sentiment_score":0.4799341559410095},{"text":"How are you? Can you hear Well, me okay? thanks. Yes. Yes. Sorry. Oh, Ben. I hope you can hear me You're as alright. well. Yeah. I can. Absolutely. It sounds like you're running or walking at the moment. Is everything Oh, okay. alright? No. I'm I am just gonna find oh, let's see there. Yeah. Oh, okay. Hang on, Sorry. I've just gotten to No. my sister's, You're fine. and we've got a few Oh, that kids at our feet. Can no. we That's can okay. we Look. play I did after? have you booked Yes. I Okay. did have you booked I'm in to just go on to your the annual phone. you're Yes. right. Yep. I had you booked in to go to your annual review and, obviously, Mhmm. talk about the statement of advice that we were looking to provide for you. But if you're a Yep. few sisters, did you want me to make it at a more suitable time? That way you can kinda focus No. on No. family. I did ring Are you sure? no. No. No. No. It's okay. I did ring your reception. No. It's actually good because someone can watch my cuddler. Yes. So Oh, today's good. no. It's an hour's fine.","start_word":21,"end_word":232,"sentiment":"neutral","sentiment_score":0.028228310868144035},{"text":"Oh, fantastic.","start_word":233,"end_word":234,"sentiment":"positive","sentiment_score":0.3676214814186096},{"text":"Erin, I did send through some annual review documents to you as well just Okay. to go to have a look at. Do if you don't have access to emails, that's okay. But do No. you have No. I access do. to emails at the moment? Yep. Perfect. Yep.","start_word":235,"end_word":283,"sentiment":"neutral","sentiment_score":0.04589105397462845},{"text":"Excellent.","start_word":284,"end_word":284,"sentiment":"positive","sentiment_score":0.4112605154514313},{"text":"Before we jump into the call moving forward, just have to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that? Yeah. That's fine.","start_word":285,"end_word":318,"sentiment":"neutral","sentiment_score":0.17952971160411835},{"text":"Fantastic.","start_word":319,"end_word":319,"sentiment":"positive","sentiment_score":0.5913578271865845},{"text":"And Alright. I'll just do a really Here quick we go. security Let's see. check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Sorry, Erin. Can you hear me? Oh, yeah. I can hear you again. Yeah. Sorry. All good. I thought it would drop down. I wasn't really sure. Oh, sorry. Let me see if I can I might That's go okay. outside? You're That fine. might be better. We're in we've gone a bit No. rural. I'll sit out. Yeah. All good. So sorry. I just didn't get the answers to the question. Just wanna confirm you're okay with us recording the call for training and Yes. quality Yes. purposes. Sorry. Yeah.","start_word":320,"end_word":447,"sentiment":"neutral","sentiment_score":-0.01361636444926262},{"text":"That's Beautiful.","start_word":448,"end_word":449,"sentiment":"positive","sentiment_score":0.3546013832092285},{"text":"fine. That's That's fine.","start_word":450,"end_word":453,"sentiment":"neutral","sentiment_score":0.28630709648132324},{"text":"absolutely fine.","start_word":454,"end_word":455,"sentiment":"positive","sentiment_score":0.382207453250885},{"text":"And just a quick security check, I just need to confirm your full name, your date of birth, and address I should have on file. Erin Kate Prinke. 3011 Yep. '93. Yep.","start_word":456,"end_word":487,"sentiment":"neutral","sentiment_score":0.08688868582248688},{"text":"Perfect. Excellent.","start_word":488,"end_word":489,"sentiment":"positive","sentiment_score":0.5734114050865173},{"text":"Now with the advice piece, I haven't sent that through. I was gonna send it through as a separate document. That was kind of in relation to our last conversation where you wanted to look at maybe investing the money in your child's account to be Yep. able to kind of build and grow over time. Are you Yep. still wanting to look at doing that, or are you wanting to hold off just because I know you guys are about Oh, to have another look. baby? Just yeah. Look. Just given look. My shares did not fit like, not my shares. Sorry. My super didn't do anything in the last twelve months just given It the state has of been the world, tough. which so Yeah. I am a little bit more cautious going forward. So Yeah. I'm open to suggestions and, like, from what I can see, like, interest in the banks, pretty reasonable as well. So I'm happy I mean, if we don't do anything, that's okay. Yeah. That's okay. But, yeah, That's happy alright. to That's okay. Look, I did come up with an option. So that it was looking at an investment, but, obviously, with the hesitation because, obviously, having a look at things is super has been a yep. little bit stagnant this year, and Yep. I kinda wanted to go that through that with you as well. Yep. I don't mind if you wanna just hold off on the child investment and you just, you know, wait till you have your second child and we maybe Yep. reassess down the track. Did you feel more comfortable Yeah. doing I'm that? happy Or to do that. I'm yeah. Yeah.","start_word":490,"end_word":774,"sentiment":"neutral","sentiment_score":0.021792004061372657},{"text":"That's that sounds good.","start_word":775,"end_word":778,"sentiment":"positive","sentiment_score":0.4472312331199646},{"text":"Yeah.","start_word":779,"end_word":779,"sentiment":"neutral","sentiment_score":0.30919110774993896},{"text":"That's Thank you.","start_word":780,"end_word":782,"sentiment":"positive","sentiment_score":0.4564851224422455},{"text":"fine. Because That's not a problem. I it's had that up, and I was like, I'll just double check with how you're feeling first up because I know yep. markets are volatile. They do go up and down, and it is completely normal to do so, and you are more Yep. in that high Yes. growth environment there. Yes. Yes. But I wanted to kinda do the annual review with you at least and see how you were feeling. Yep. And, Yep. look, there's all the advice we do provide is just advice. You don't have to take it. Yep. It's more just, you know, giving you the option there. So we can just pause that child's Yep. investment for the time being. Let things maybe settle a bit with where everything is for you guys, and then we Yep. can always reevaluate it down the track in a bit more time. Does that sound comfortable for you? Or Yeah. No. That sounds good. Yep. That sounds good.","start_word":783,"end_word":950,"sentiment":"neutral","sentiment_score":0.07563113421201706},{"text":"Beautiful.","start_word":951,"end_word":951,"sentiment":"positive","sentiment_score":0.4414597153663635},{"text":"I Excellent. sorry. You did ask me last time we booked the appointment Yeah. if anything, like, significant has changed financially, and Yeah. I I said no. But I have inherited some Wow. some money from my dad. Like, it's not a fortune, but I I just savings account.","start_word":952,"end_word":1000,"sentiment":"neutral","sentiment_score":-0.036779213696718216},{"text":"So I don't know if there's anything I should or need to do with that.","start_word":1001,"end_word":1015,"sentiment":"negative","sentiment_score":-0.4622461199760437},{"text":"Yeah. And and my husband and I have just bought a industrial block in Roma where we live, so we've, like, increased our debt Yes. a Yep. little bit. We've we were able to pay with for a lot of it with cash given the sale of my of our previous house in town went through last year. So Yeah. Because you guys two were big gonna be two basically pretty big significantly. debt free. Yeah. Yeah. Yeah. We don't have a lot, which is very fortunate.","start_word":1016,"end_word":1102,"sentiment":"neutral","sentiment_score":0.012096980586647987},{"text":"Oh, fantastic. Excellent.","start_word":1103,"end_word":1105,"sentiment":"positive","sentiment_score":0.6156998872756958},{"text":"Well, let's sort of run through things and see where everything's changed. Now you mentioned that you've got some inheritance from your dad. Mhmm. Roughly, Yep. how much have you inherited from I that one? was 50. Yep. 50,000? Lovely. And is it just sitting in a bank account at the moment? Yeah. Yep. All good. Is This it sitting is. in, like, an offset account for one of your No. like, for one of the properties, or is it just like Not a at savings all. account? K. I will put a bit of that to offset the loan of the industrial block, Yep. but there should we probably will only owe 70 or $80 on that. Okay. My husband's gonna put it's a 130 plus fees. And I think, yeah, my husband's probably gonna put about 40 or 50 on that. Okay. So so I was gonna I will offset that once it's once it's settled. It hasn't it hasn't settled yet. Yeah. No. That's okay. That's not a problem at all. So that's about to settle. Mhmm. Are you wanting to maybe look at maybe splitting up that inheritance and maybe putting some of it into super to kind of provide greater benefit towards your retirement goals, or are you sort of wanting to be able to use the money in the shorter term? Potentially, use it in the shorter term.","start_word":1106,"end_word":1339,"sentiment":"neutral","sentiment_score":0.04330351576209068},{"text":"Like like, we're planning to grow the our family, and I'd love to have money aside to pay for, like, boarding school or dental fees and Yep.","start_word":1340,"end_word":1366,"sentiment":"positive","sentiment_score":0.40244820713996887},{"text":"just the just the the, you know, the stuff that I might come up within the next, say, ten to fifteen years.","start_word":1367,"end_word":1388,"sentiment":"neutral","sentiment_score":0.26639601588249207},{"text":"I think super like, I'm with I'm working essentially one day a week, so I am making like, small contributions are being made to super.","start_word":1389,"end_word":1413,"sentiment":"positive","sentiment_score":0.3683469891548157},{"text":"Yeah. And I probably didn't wanna put all my eggs into my super basket to then I mean, like, the who knows what the retirement age will be when we Mhmm. get to that stage of our lives anyway. And as far as I'm aware, you can't touch it That is correct. any That sooner. is the So so yeah. sorry. My point is that I'm probably You're fine. not too fussed on, like, really, really maximizing it yet, whereas, Yep. like, we'd like to take some time off in the next few years and travel Yeah.","start_word":1414,"end_word":1510,"sentiment":"neutral","sentiment_score":0.02805236726999283},{"text":"Perfect.","start_word":1511,"end_word":1511,"sentiment":"positive","sentiment_score":0.5002480745315552},{"text":"Australia and stuff with kids, so there will be some Yeah. cost more short term, I suppose. Yeah. Absolutely. So, look, And honestly, yeah. just with the kind of with what I'm hearing in the conversation, it sounds to me like putting the money into super is not preferable as yet. Maybe having that money sitting in a savings account or maybe your offset account when you this loan settles allows you to maybe offset some of the Mhmm. interest you would be paying on that commercial property. But then, also, Mhmm. you do have access to it in the shorter term when it comes to kids things. I mean, I've got three kids myself. Dental work is Yep. by no means cheap. So I know. we I'm I hoping feel not like it's to go the kindest down that thing route you can do with that to your stuff. kids if they need braces. Right? Oh, I know. You know what? The Invisalign stuff, they told me it would be one round, and we went through it, and it was about 6 to 7,000. And then they we we got to the second the end of it, and they're like, yeah. So round two. And I was like, no. No. You said one round. Like, what if, like, $14 would have been braces, they would have been done. Yeah. Like, Yeah. it Yeah.","start_word":1512,"end_word":1745,"sentiment":"neutral","sentiment_score":-0.08638752305195627},{"text":"was I just feel like it is a it is a good investment in in kids, and I'd I'd hate insane.","start_word":1746,"end_word":1766,"sentiment":"positive","sentiment_score":0.39640572667121887},{"text":"for us to have to miss out on that. So, like, that's Yep. a big factor. You know? You gotta consider these things. Can Yeah. you Absolutely. pay for the dental? Absolutely. Absolutely. And it cost a fortune, like, honestly. So, no, honestly, keeping it with the end of general advice based on it right now, but it does seem to me, like, with your goals and with where things are at the moment, it would just be best to keep it in that offset account when the Yeah. loan settles, the Yep. bank account as Yep. a bit of a buffer for you guys as well. Because, Yep. I mean, if something happens and you need a bit of extra cash, you know, you know, we have Mhmm. rates coming up at the end this year as well. Mhmm. Mhmm. Yeah. Insurance That's the other has never thing, seen like, stop. what's gonna happen with with interest rates? Because it just seems like like inflation just can't keep going the way it is. So that's probably got my husband and I a little bit cautious on What to do? what we do, Yeah. hence why we've sort of not maxed out loans on anything, I suppose. We're probably Yeah. pretty conservative in that sense. But Yeah. No. Honestly, that's yeah. absolutely fine. And we tend to be when we're looking at investments in our own name aside from super super, we can be a bit more aggressive in because we physically can't touch it. We're not allowed to touch it until, at this point, the age of 60 and we retire. Yep. So we can be a bit more aggressive with those with some investments. And Yes.","start_word":1767,"end_word":2054,"sentiment":"neutral","sentiment_score":0.024757118080742657},{"text":"we know, you know, super, as I said, has been a bit stagnant this year.","start_word":2055,"end_word":2069,"sentiment":"negative","sentiment_score":-0.38287580013275146},{"text":"I Yep. know looking at the portfolio report that I have here, I've got one in your email there, which essentially is the July 10 last year to the July 9 this year, which is when we essentially did the documents up. Mhmm. And the total the total gross gross was 0.45%. Net after fees was 1.64%. So it is down this year. We do fully expect that that that does Yep. happen, and it is Yeah. basically a lot of it because of the ups and downs the market has definitely seen. Yep. And even with your balance, it's over 100 k at the moment. So it has gone up since our last review, which is great to see, but then it's had a little bit of a pullback. And with a a high growth environment, which is where you Yep. are, you are Yep. taking a more risk by having 90% in those growth investments. So thinking things like Yes. Australian Yes. shares, international shares, commodities, and listed property Yep. there as well.","start_word":2070,"end_word":2244,"sentiment":"neutral","sentiment_score":-0.10407096147537231},{"text":"So you are taking a more risk in that sort of area. So we do expect essentially a negative return.","start_word":2245,"end_word":2264,"sentiment":"negative","sentiment_score":-0.3727949559688568},{"text":"Roughly about one in every sort of five years is in Yep. expectation there, But it's also Yep. a point where in those downtimes, taking advantage of those downtimes as well to keep your contributions going in when you can Yep. Yep. so that you buy into the investors when they are seeking a downtime. You're buying into a discounted investment opportunity. Yep. And then as the portfolio comes out and recovers from that point of time, it isn't you know, you do see a bit of growth there. I'm not Yep. sure if you remember as well. We would have also sent an email a few months back. It was a record of advice just noting an investment, which we were completing. Do you remember getting something? If you don't, that's okay. Let's have a look. You alright? Let's see if I've got it first.","start_word":2265,"end_word":2410,"sentiment":"neutral","sentiment_score":-0.0025414302753769373},{"text":"That's a good start.","start_word":2411,"end_word":2414,"sentiment":"positive","sentiment_score":0.7020915746688843},{"text":"That's Okay. okay. Annual review. Oh, no. That's what's in the last year. With my I'm on my phone, so I'd Not sure. That's not okay. everything's loading, I don't think. I've only just got Yeah. the two recent emails No. That's okay. just to That's see if not you're a problem a question at and all. sorry. Sorry. Yeah. No. No. You're fine. Please don't ever apologize. You're all good. Essentially, what I just wanted to explain was we did make it a bit of an investment switch in the last few months there. So you did Yep. originally have Ben along Australian equities in your portfolio, and it was meant to be more of an actively managed fund. So the fund manager is attempting to buy and sell Mhmm. in a more, you know, tax advantage way for themselves. They're meant to taking advantage of market ups and downs and trying to outperform against Mhmm. the market. Unfortunately, active managers don't always do that, and then along hasn't been able to do so this year. They've had some underlying issues there. So that investment was also down, which was having a bit of an effect on your portfolio as well as the other the the global aspect with the America and the Iran war. So Yep. we actually did take a second. We had a look. The investment committee looked at everything and decided it was not worth keeping Ben along in there. It was dragging portfolios down. So we actually have removed that from your portfolio, and we swapped it Mhmm. out with the BetaShares a 200. So when you are looking at your super there and if you've got the email with the and the review documents, the attachment on the first page is the asset performance detail report if you wanted to look at it. Okay. If you don't, Okay. you can tell me no. No. No. No. I'll I'm leaving a note on my phone to have a look at this because that is Yeah. quite interesting. Because But have then also, I might oh, well, they say I might I don't know what they're doing. yeah. Well, no. Look. It was a really good decision to move it out. So Banda Long had been underperforming, and we don't want you to be an investment that are underperforming. So, realistically, we've moved you into the a 200, which more is a passively managed and attracts the top 200 companies on the ASF.","start_word":2415,"end_word":2832,"sentiment":"neutral","sentiment_score":-0.036298575726422394},{"text":"It's actually giving you greater diversification, which helps to lower the overall risk of your portfolio.","start_word":2833,"end_word":2848,"sentiment":"positive","sentiment_score":0.3848166763782501},{"text":"Because Bannalong Yep. only held anywhere between 15 to 25 different investments in their portfolio depending on what they're invested in. So by moving you out Yep. of Bannalong and into the a 200, you're now getting exposure to the top 200 companies.","start_word":2849,"end_word":2891,"sentiment":"neutral","sentiment_score":0.1756643503904343},{"text":"It does help Okay.","start_word":2892,"end_word":2895,"sentiment":"positive","sentiment_score":0.4209098517894745},{"text":"to reduce the overall risk with diversification and also concentrated with based on one asset manager because we're not we're essentially, you know, looking at the top 200 companies. There Mhmm. is Yep. a bit of a criteria for those companies to be in the top 200. And if a Yep. company doesn't meet that criteria, they are moved out. And then, obviously, these investments that are tracking that, they do make the change as well. So you are always tracking the top 200 companies. It's helping to, Yeah. you know, alleviate overall risk, and we just wanna sort of watch things to make sure it comes out and does provide a bit more growth there for you. So I'll definitely Yep. be watching this over the next few months. I was Yeah. sort Interesting. of looking Okay. at whether because Netwealth is one not a bad platform in any way, shape, or form. I could look at maybe moving you out of Netwealth and maybe updating your portfolio. Did you want Yep. me to go back? I've had a bit of a look at things prior to the call. There are some changes that we could definitely make. Maybe you look at rebalancing your portfolio, maybe look at the other investments you do have in the portfolio Yep. there, and maybe look at updating things for you. Would you like me to do that as well? Yeah. Definitely. Like, my Yeah. because I've got my husband onto you guys after I moved. Like, you Yeah. guys suggested we moved to net Yep. Netwealth, and I was based on, like, his advice and what he was you know, his situation, he got put in a completely different financial. I was like, oh, that's probably why they get In paid a the different big bucks platform. because they you know, it's but in I was like, no. Yeah. You need that. Well, it's so good. But, no, I'm happy to, Yeah. yes, definitely have a look at, yes, Absolutely. what might be best. And and I don't mind being a little bit more, like like, radical, I guess, is the word because I'm only thirty thirty two. You are. So I'm You're happy to so be a bit young. more high risk or just a bit more high risk, you know, for the next even ten years Yeah. Yeah. at least, you know, just maximizing that and then and then moving to safer investments, you know, a Yeah. Absolutely. bit more up there. And Yeah. that's generally the way we wanna do it. So we wanna Yeah. start off now taking on a bit more risk, Mhmm. allowing, you know, having this as much as we know where the downtimes are going to happen is a part of investing. But taking on a bit more risk now does mean that whilst you are young, whilst you can't touch your sleep, or while you do have that time horizon ahead of you, you do have the opportunity to get on greater gains Yep. when the market is doing really well. Admittedly, we will see the fallback like we have some of this year, but Yep.","start_word":2896,"end_word":3428,"sentiment":"neutral","sentiment_score":0.10863728429877512},{"text":"allowing yourself to go through those, continue contributing through, you do obviously benefit greater from that.","start_word":3429,"end_word":3444,"sentiment":"positive","sentiment_score":0.5234476327896118},{"text":"Yep. The high growth sort of environment does suit someone who has about eight years before ask accessing their super. So generally speaking, about eight years out, we wanna kinda pull that back a little Yeah. bit. Okay. We can even Yep. do Yep. so more, like, a lot closer if you prefer. Some people Yep. kinda get to ten years out and go, hey. I kinda just wanna Yep. drop it back a bit now. Interesting. But we won't sort of do a drastic change. I like to sort of step things down gradually. So you're sort of reducing your risk level by about 10% at a time. That way, it's not a huge drastic change. You Mhmm. start doing Yep. gradually, so you're moving down in segments. So you kinda keep it working harder as long as possible, but gradually reduce that risk level down a little bit. But we will kind of get to that point when you're much older Yep. No. and That's fine. much Yeah. closer. Yeah. Yeah. And like you as I said, you're happy to take on a bit more risk now, but it doesn't alleviate. There can be times where you hear what's happening in the news. It's everywhere, all over Facebook, and everything is the same post, and it can cause a little bit of panic. So if you hear those sorts of things, Yep. Erin, give me a call.","start_word":3445,"end_word":3683,"sentiment":"neutral","sentiment_score":0.07486788183450699},{"text":"More than happy to talk you through them, let you know what's going on, and more than happy to reevaluate, you know, your investments and risk level at any time.","start_word":3684,"end_word":3713,"sentiment":"positive","sentiment_score":0.3845458924770355},{"text":"Yep. Even though we have kind of made that change within Netwealth, I will go back and just reevaluate the portfolio for you. I can reevaluate Mhmm. Netwealth against other platforms as well to see if something is a bit cheaper. We do also consider the CDT consequences. So just like you, your super fund does a tax return every year. So any restructuring or buying and selling of an investment does have taxation consequences. So I'll review the taxation consequences against the moving and against the Yep. switching to see whether it is okay to maybe move out of Netwealth now or whether Yep. we should hold off and just retain Hold on. and what Yep. that looks like for you. Is that okay? Yeah. No. That sounds good. Yeah?","start_word":3714,"end_word":3844,"sentiment":"neutral","sentiment_score":0.024171427702744497},{"text":"Thank you. Beautiful. Excellent.","start_word":3845,"end_word":3848,"sentiment":"positive","sentiment_score":0.490776389837265},{"text":"Let's review that. And you mentioned you're happy to stay in that high growth environment with that ninety ten split between Yes. growth and defensive assets. Did you wanna reevaluate that at all or that's okay? No. No. That's okay. Thanks, Dana. Yep.","start_word":3849,"end_word":3891,"sentiment":"neutral","sentiment_score":0.14961479604244232},{"text":"It's all good.","start_word":3892,"end_word":3894,"sentiment":"positive","sentiment_score":0.3710985779762268},{"text":"Yep. That's okay.","start_word":3895,"end_word":3897,"sentiment":"neutral","sentiment_score":0.2257875055074692},{"text":"Beautiful. Excellent.","start_word":3898,"end_word":3899,"sentiment":"positive","sentiment_score":0.471019446849823},{"text":"Just giving you an update on your balance as well. So as of the July 10 there, your balance is a 105,322 and $80.82 cents there. I'm just Mhmm. looking to see if Netwealth won't log me out. I can grab you today's balance because it has been a few days since. Sorry. Won't be one second. There we go. The balance is little bit of a dip out in the market here at the moment. So you are at $104,006.41 and 72<unk>. So a little bit of a pullback. But, as I said, I'll go back and definitely review everything for you. We'll Yes. come back Yep. and do an advice document that outlines what we recommend for your super, what the investments recommend, the advantages, the disadvantages, the risks, the CGT consequences, and how that looks for you projected over the next sort of ten years. How does Yep. that sound? Yeah. Yeah. No. That's fine. Thanks, Dana.","start_word":3900,"end_word":4061,"sentiment":"neutral","sentiment_score":0.024054741486907005},{"text":"Beautiful.","start_word":4061,"end_word":4062,"sentiment":"positive","sentiment_score":0.3944680988788605},{"text":"All good. And, look, all of that's part of our services as advisers is to update Yes. the advice and be changing the investments as we need to as we speak to you as well. So Yep. there is no additional cost for our recommendations. I will provide the recommendations to you, and you get to decide whether you're happy to take them or not. There's no obligation whatsoever. Yes. And it's all part of the ongoing service agreement that you you know, it's all part of our ongoing services as well. Alright? Yep. No.","start_word":4062,"end_word":4155,"sentiment":"neutral","sentiment_score":0.16422981657880417},{"text":"That's great. Thank you. Excellent.","start_word":4156,"end_word":4160,"sentiment":"positive","sentiment_score":0.6615067720413208},{"text":"Just to update Cool. a few other details here. Now I do also have your insurances there. So at the moment, having a look, you've got your life and TBD cover there. The current sum insured is $678,005.65. That's for both life and TBD. Yep.","start_word":4161,"end_word":4205,"sentiment":"neutral","sentiment_score":0.10041378438472748},{"text":"The amount of the premiums that you pay for this year from the super fund was $436.15, which is fantastic.","start_word":4206,"end_word":4225,"sentiment":"positive","sentiment_score":0.3723598718643189},{"text":"On Yep. this summary, you will see the $4.88 29 figure. Essentially, the $4.88 is how much the fund or TAO have received for the premiums, but you get a bit of a rebate on them. So you actually pay a little bit less out of your super fund, and you get a 15 Yep.","start_word":4226,"end_word":4280,"sentiment":"neutral","sentiment_score":0.1880648583173752},{"text":"percent discount, which is kind of nice.","start_word":4281,"end_word":4287,"sentiment":"positive","sentiment_score":0.3629346489906311},{"text":"Yep. In Yeah. the Yeah. event I know you guys own your main primary residence outright, and you're going to sort of have that loan. You said about 70 to 80,000 owing on that commercial property in Roma there as well. Yep. Is there anything is there anything else that you sort of wanted to cover, like, in the event and I hate sort of going down this route. Like, in the event of you passing away, is it just sort of paying out the debts and then providing the rest to Jack? What's kind of important to you? What did you wanna have that money cover? Probably, like, because Jeff and I are pretty financially secure. We've we've sort of both said that any anything we have personally, like, not not have joined home, Yeah. but anything we have personally will go to probably to our kids. Okay. And we have we have actually, through the advice of you guys, done our bills and EPOS and stuff this I year.","start_word":4288,"end_word":4458,"sentiment":"neutral","sentiment_score":0.03914789855480194},{"text":"love it.","start_word":4459,"end_word":4460,"sentiment":"positive","sentiment_score":0.37269288301467896},{"text":"So we'll set up we've set up a trust plan. There will be a trust set up, like, in the case of Fan yep. either of us passing early. So no. Basically, like and if anything were to happen to either of us, like, my the kids will go to my sister.","start_word":4461,"end_word":4512,"sentiment":"neutral","sentiment_score":0.036582333680528864},{"text":"So Fantastic.","start_word":4513,"end_word":4514,"sentiment":"positive","sentiment_score":0.5446277856826782},{"text":"any Oh, beautiful. like like I said, if you like school, yeah, school fees and any extra, yeah, costs that they Yeah. might incur raising a few extra. Yeah.","start_word":4515,"end_word":4543,"sentiment":"neutral","sentiment_score":0.07471413910388947},{"text":"Oh, that's really good. I'm so glad you've done that. That's fantastic.","start_word":4544,"end_word":4555,"sentiment":"positive","sentiment_score":0.6468808054924011},{"text":"Yes. No. It It was it's a long a big relief. process. Hello? Can it yeah. I got you, Erin. Oh, You sorry. came back. It's all good. No. You're fine. Sorry. No. Look.","start_word":4556,"end_word":4589,"sentiment":"neutral","sentiment_score":0.058937035501003265},{"text":"Honestly, really happy you've done that.","start_word":4590,"end_word":4595,"sentiment":"positive","sentiment_score":0.521859347820282},{"text":"With your beneficiaries on your life cover and your super, you've got them currently nominated. So in the event of you passing your life cover and super is paid to Jack so he can obviously look after the family, pay down whatever Yep. debt there, and keep Yes. looking after the kids moving forward. You're happy Yeah. with how That's they're structured? fine. Yeah. That's fine. Yep. Yep. Beautiful. And you're happy with the life and TPD cover that you have at the moment? You Yeah. didn't I wanna think sort so, of Dana. We can not increase yep. that if I get out you know, when I get older, but, no, Yeah. all good for now. Thank you. Excellent. All good. You don't have any income protection. I know you are, you know, about to have another baby. When's the Yep. baby due? December. They did it for a while Oh yet, my but, gosh. It it'll go no, fast. it'll be a humbling experience, I'm sure, having a toddler and a and a A and newborn a new and baby. a toddler. Absolutely. No. All good. Obviously, with having a new baby, income protection is able to be obtained whilst you are working. When you're on maternity leave and in the third trimester, it is harder to sort of obtain. But in the event that you aren't able to work with your financial situation, you guys are pretty, as you said, financially stable. Does Jack's income cover, you know, any ongoing or, you know, bills that would Mhmm. need to be covered, or Yeah. would you I need to I have think I'm that I'm okay be for income protection for now. okay? Yep. Like and I've I do have some savings and a rainy day account, plus Yep. plus I yeah. No. I think I think we'll be okay for income protection. Yep. And, like and I'm not earning a lot of money at the moment, Yep. actually, Yep. so that's that's probably not worth much protecting. No. That's okay.","start_word":4596,"end_word":4938,"sentiment":"neutral","sentiment_score":0.04837314317507924},{"text":"That's absolutely fine. I mean, honestly, you're you just staying there and being their wife and their mom, that is a 150% worth protecting.","start_word":4939,"end_word":4962,"sentiment":"positive","sentiment_score":0.36190110445022583},{"text":"You are more Yes. valuable than Yes. the money you bring in. Yes. That's right. That's what we've yes. That's what we've justified. Yep. Absolutely. No.","start_word":4963,"end_word":4988,"sentiment":"neutral","sentiment_score":0.17552801966667175},{"text":"That's perfect.","start_word":4989,"end_word":4990,"sentiment":"positive","sentiment_score":0.3424495756626129},{"text":"And, obviously, there are other types of insurance that you can obtain outside of super things like trauma, child trauma. So you can also get trauma policies to cover your kids in the event that they are diagnosed with major traumatic conditions. Normally, Yeah. the Right. stock those is about the age of two. And Yep. you can also get child investments. So the other thing we sort of wanted to you know, we were talking about was when you have this secondary child, there are other child investments out there, like, you know, child bonds where you can be putting your money money away for their future to be transferred to them at a certain life event, say, Yes. 25 or 18 Yes. to help them buy Yep. a house down the track or if you wanted to put money away Yep. for, you know, private school fees or things like that down the track, you Yes. can do so. Child bonds, when you kinda get to that point, we can have that conversation, look at how to invest money for your kids in the future. But with, like, trauma and child trauma and things, are you wanting to look at getting anything additional? You're Yep. happy to just not No. pay Probably anything not out child of pocket? trauma, but definitely, the bonds might be something we can chat about when there's number twos A on bit the more? ground. Yeah. That was kind of the recommendation with what to do with the money was to sort of put it into, like, a child investment bond. Yes. It works very Yes. similar to, Oh, like, an god. investment Okay. account, very similar to your super. The main sort Yep. of difference is that that, like, with investments in your own name, you have to account for the income and the growth as part of your tax return. With child investment Yeah. Okay. bonds, they are more of an insurance product. So you're putting the money into the investment, and you can start with as little as a thousand dollars. And you just Yep. need to be able to make regular contributions in on a regular basis. Okay. Normally, Yep. you Yep. can put in more each year about a 125 more than the previous year's contributions to keep continuously growing over time. Yep. And you haven't invested in investments the same as you see for any other investment account. Yep. But it's all sort of because it's all in this sort of bond structure, this trust structure, you actually don't have to account for any of the growth or the income in your own personal Yeah. K. tax return. It's sort of sheltered for the child, and you'd Yep. have to set up one for each individual child.","start_word":4991,"end_word":5460,"sentiment":"neutral","sentiment_score":0.10378319231119562},{"text":"But it's a great way to shelter money for the kids to grow investments Yep.","start_word":5461,"end_word":5475,"sentiment":"positive","sentiment_score":0.3576767146587372},{"text":"in their name Yeah. without them having to suffer tax consequences of having an investment in their own name. They don't have to have a tax phone number or anything like that, and it Okay.","start_word":5476,"end_word":5510,"sentiment":"neutral","sentiment_score":0.2563542127609253},{"text":"doesn't affect your personal tax return either, and it's a great way to build investments.","start_word":5511,"end_word":5525,"sentiment":"positive","sentiment_score":0.5272175073623657},{"text":"So when Okay. baby Let number me just two try comes this along down. and you guys Yep. have had a bit more of a chat, talk about it. Let Yep. me know.","start_word":5526,"end_word":5558,"sentiment":"neutral","sentiment_score":0.1545676290988922},{"text":"I'm happy to.","start_word":5559,"end_word":5561,"sentiment":"positive","sentiment_score":0.7700885534286499},{"text":"Even if next year, you guys wanted to have the annual review together, we could talk about how your Yeah.","start_word":5562,"end_word":5581,"sentiment":"neutral","sentiment_score":0.3124622404575348},{"text":"supers are going together, Yes.","start_word":5582,"end_word":5586,"sentiment":"positive","sentiment_score":0.4151236414909363},{"text":"look at what's Yep.","start_word":5587,"end_word":5590,"sentiment":"neutral","sentiment_score":0.32478851079940796},{"text":"happening as a a, you know, future goals for the two of you, and talk about what we Yep. can definitely do with you guys if you're comfortable to do so.","start_word":5591,"end_word":5621,"sentiment":"positive","sentiment_score":0.4127518832683563},{"text":"Yeah. Yep. Yep. No. That sounds good. Because I there is no. Sorry. I'm just writing this down about the bond. Yeah. But, no, I think, like, Jack well, Jack's working away for work at the moment for the next few weeks, Yeah. but I no. I would like to probably have him there with the with the next one. Because I would like to do something Absolutely. with because the Yeah. because, like, Angus is getting some money from his grandparents and, Yeah.","start_word":5622,"end_word":5705,"sentiment":"neutral","sentiment_score":0.06861630827188492},{"text":"yes, would like to make a little bit of an opportunity out of it.","start_word":5706,"end_word":5719,"sentiment":"positive","sentiment_score":0.34410062432289124},{"text":"Absolutely. I know with my kids, I always think they're 19 and well, my oldest two are 19 and Yep. 20. My youngest is only 10, but I look at Yep. how much growth my property has made, and I love that. But I also Yeah. am Yeah. quite scared of what it's gonna look like for our kids when they get old enough to buy a property I or know. want to buy a I property, and I know. go, how are you gonna The state do this? oh, yeah. Yes. It's God. insane. I think they'll have to Yeah. live with us forever. That's the way it's going. The bank of mom and dad is coming back. Yeah. Yeah. Yeah. I thought somewhere that it's the second biggest lender in Australia at the moment or, like, in the top, yeah, top five anyway of the biggest banks, Wow. Bank of Mom and Dad. Yeah. It's only gonna become more prevalent, I reckon. It's pretty Yeah. insane. Yeah. Interesting. Interesting. Yeah. Just to kinda update any other details here, so you've got the new commercial property. When is that due to settle? Do you know? It'll be it's a long settlement, a ninety day settlement, so at least another Yep. sixty days. Okay.","start_word":5720,"end_word":5933,"sentiment":"neutral","sentiment_score":-0.00011661760160856158},{"text":"Perfect.","start_word":5934,"end_word":5934,"sentiment":"positive","sentiment_score":0.5019849538803101},{"text":"Yeah. And we should owe roughly about 70 to 80,000 on that one. What's the rough Yeah. valuation of that, do you think? Let's see. Yeah. All I can tell you is a That's square meterage, and it was let me just see if this is right. So it's $35 a square meter. I think it was okay. about 3,000 square three and a half. I think it'll be it's about three and a half square meters and Okay. 35 square meter. Yeah. It'll be about a 120, 130. And I just have Okay. to because he's the one that did the wheel and deal on that one. But Yeah. That's and okay. then it'll be plus, like, plus fees as well. Yeah. No. That's absolutely fine. Not a problem at all. And you got another ninety days before that settles. Easy. Yeah. You've got your Yes. main primary residence there. Now I know that was originally you sold off your what was your PBR last year, and you've bought this Mhmm. new property, which is now your main Mhmm. primary residence. Asset Mhmm. value we had on that was about 1,200,000. What do you estimate that Yeah. might be worth We haven't now? had a recent evaluation, but we were saying the other day, like, probably 1.3, one point keep it at Yeah. 1.2. The market's Yep. lifestyle It is. blocks around Roma and probably probably further out as well. But, yeah, Yeah. those kind of properties are sitting a lot longer on the market. So maybe Okay. what it values at and what it would go for at the auction or offer would be Two very different. different But, prices. yeah, Yeah. we'd hope it would be valued around 1.2. Absolutely. No. All good. And you still don't have any loans on that one. That was all paid out. That No. was correct, No. wasn't That's it? paid off. Yep. Yep.","start_word":5935,"end_word":6257,"sentiment":"neutral","sentiment_score":0.009887657113857685},{"text":"Beautiful.","start_word":6258,"end_word":6258,"sentiment":"positive","sentiment_score":0.4701008200645447},{"text":"We also have down your 2023 Prado, a value of 63,000 approximately. Would you value Yep. it the same or maybe decrease Yeah. slightly? Plus yeah. Plus the oh god. What's the word that it The depreciation? depreciation. Sorry. Word finding difficulty. Yep. Depreciate You're plus depreciation. fine. I would hope it would still get, like, mid fifties at the Yeah. yeah. Because I it's the honestly older style. reckon you could get close to 60 because they are still Yeah. really, really popular. Yeah. Yeah. Well, the new Prados I don't know. I've I've heard some mixed reviews about the new Prado, so I don't know how they'll go. Anyway, that's what Yeah. I'll tell myself anyway. That's okay. Yes. We Yeah. we That's reckon still 50 got the eight, old Prado. '59, or '55. Yeah. What do you reckon? Let's do that. Let's do 50 Yep. 5. I'll go go 50 low. 5. Yep. Yep. We did have about 12,000 in personal savings last year. I know you are inheriting or you've got that Yes. 50,000 as well. Would that be how much do you have in the savings at the moment total? Yeah. Plus that's a good question. Including the money from my dad is about is 55. Sorry. 55. Beautiful. Yeah.","start_word":6259,"end_word":6473,"sentiment":"neutral","sentiment_score":0.016694312915205956},{"text":"Excellent.","start_word":6474,"end_word":6474,"sentiment":"positive","sentiment_score":0.43209153413772583},{"text":"And contents, we had that. You did about 80,000. Would you sort of change that at all with everything you're now purchasing for baby number two? Yeah. Look. Let's keep that. Yeah. That's okay.","start_word":6475,"end_word":6508,"sentiment":"neutral","sentiment_score":0.110358864068985},{"text":"You're good.","start_word":6509,"end_word":6510,"sentiment":"positive","sentiment_score":0.4327548444271088},{"text":"You probably got most of the things from your other from Angus and maybe updating all his stuff. Is that Yeah. how it's working Look. at I the moment? I definitely I definitely haven't bought anything just yet. But if it's a girl, it might have to have some girl clothes, but, otherwise, it'll Yes. be the same setup.","start_word":6511,"end_word":6569,"sentiment":"neutral","sentiment_score":0.05374947665417093},{"text":"Oh, so cute.","start_word":6570,"end_word":6572,"sentiment":"positive","sentiment_score":0.48061615228652954},{"text":"So you don't know what you're But having no. yet? Nothing. No big Yeah. no big contents purchases that really need adding, No. That's I okay. would have That's thought. absolutely fine. Any other cars, boats, or caravans, or investors that we maybe need to note down at all? Sorry, Erin.","start_word":6573,"end_word":6623,"sentiment":"neutral","sentiment_score":-0.017159108072519302},{"text":"I think I lost you.","start_word":6624,"end_word":6628,"sentiment":"negative","sentiment_score":-0.3389320373535156},{"text":"Hello? Erin, can you hear me? I've got you back. Oh, sorry. It is a oh, sorry. Sorry. You're I swear fine. I'm not moving. You're absolutely fine, honestly. I I'm promise, hanging on Wendy, to my you'll one be bar. done. No. No. Hang on You're to one bar. no. All good. There is there anything else that you would note down asset wise? No. No. I No. don't no. I don't think so. That's okay. Income No. All wise, good. we had you on about a 130,000 last year. Are you still averaging the same, or is that kinda dropped No. back a little No. bit? No. Sorry. I no. I'm getting paid by so I'm working out of or under the my husband's company in a Yep. under a separate business. So I'm Yep. getting I'm earning $40 a year. Okay. Perfect. 40 Yep. thousand. And contributions in the so far, I can see them going in. It's not really loading for me at the moment, but you were just doing initially $50 per week. Are you still doing Yes. it that way, or is it being No. I'm not yep. doing that anymore just because I'm not making as much money, but, no, my husband's just paying us whatever the rate is for The 12%. super when he, Yeah. yeah, what he what he pays us when he Yep. pays us once a month.","start_word":6629,"end_word":6866,"sentiment":"neutral","sentiment_score":-0.02048221228159025},{"text":"Beautiful. Excellent.","start_word":6867,"end_word":6868,"sentiment":"positive","sentiment_score":0.6412197351455688},{"text":"Yep. And you're working through his company now. So because Mhmm. we originally had you down as a physio, are you still working as a physio, or is the oldest Yes. under Yeah. his company So it's still admin? yeah. No. No. So it's still still Physio, but I've just set Yeah. the business under his company. So Okay. Mariner or Physio is still operating as, a Yep. yeah. As a zone business Yep. So, obviously, Jack's just company is kind of the under parent company, and you're the underneath that banner, and company you work under banner. him. Yep.","start_word":6869,"end_word":6968,"sentiment":"neutral","sentiment_score":0.012783770449459553},{"text":"Beautiful.","start_word":6969,"end_word":6969,"sentiment":"positive","sentiment_score":0.3807663321495056},{"text":"Yeah. That's absolutely Yes. fine. I'll note down here about to have a second baby. So that's another change coming along there for you. Yes. I've got down here with regard to your goals. You're still quite young, but are we still with regard to super just sort of hoping to retire by the age of 60, maybe income of around 70,000 per annum between yourself and Jack? Is that still what I'm sort of looking tracking towards retirement wise? Oh, no. Sorry, Erin. Hello? I got you back. It's all No. good. No. Yes. What was the retirement age, did you say? Sorry? 60. 60. Oh, 60. Yes. Yes. Yes. Sixties. Sixties. Right? I mean, I don't know what Yep. the official retirement age will be when when we get there, but Hopefully, no. If you we're don't in a have financial to work longer. position yeah. No. That'll be no. No. I mean, physio is not too bad and too hard on the mind or body. So my builder my builder husband will probably be ready to call it quits. Yeah. Absolutely. No. All good. I've the last goal we had here was about selling your last main primary residence and being able to move into the new property that you guys have built.","start_word":6970,"end_word":7185,"sentiment":"neutral","sentiment_score":-0.023507628589868546},{"text":"So that's all being Yep. done, which is great. Yeah.","start_word":7186,"end_word":7195,"sentiment":"positive","sentiment_score":0.4726240038871765},{"text":"Yep. With this coming in December, any new kind of financial goals or any goals that you both have over the next few years that you'd like to note down? No. No. We will probably just con like, continue to still live oh, I mean, conservative makes us sound really boring, but we we would like to, in the next, yeah, five years, I think, like I said this before, just, like, Yes. take a few years off. So we do wanna just save towards those experiences and keep our material purchases to a minimum. Like, this was Yep. a big financial goal for my husband to buy industrial property, so we will Yeah. we will develop that over the next few years. Like, we'll build a shed on it and hopefully rent it out, Yep. and that provide a bit of extra income. And Yeah.","start_word":7196,"end_word":7341,"sentiment":"neutral","sentiment_score":0.06500460207462311},{"text":"Beautiful.","start_word":7342,"end_word":7342,"sentiment":"positive","sentiment_score":0.3365965485572815},{"text":"if I can just keep saving away and I mean, I'd love to buy an investment house further east, but it's just getting more and more unachievable, really. Like, I think the average Yeah. house price in Toowoomba's, oh my god, double in the last ten years. Oh, absolutely. Anyhow, it's Yeah.","start_word":7343,"end_word":7394,"sentiment":"neutral","sentiment_score":-0.10509070754051208},{"text":"disgusting.","start_word":7395,"end_word":7395,"sentiment":"negative","sentiment_score":-0.38147053122520447},{"text":"Anyway Yeah. yeah. So, no, that's probably our immediate financial goal is to develop this Yep. industrial block, sorry, and and rent that out for an extra income. Yeah. And are you wanting to you guys planning to sort of keep that long term into retirement to supplement income from super, or do you think you'll probably sell that down the track? Oh, yeah. Look. Depends what happens. Like, the, like, I guess, industrial industry is growing slowly. Like, there are a lot of vacant industrial blocks, so it was a bit Yep. of a gamble, Yep. but it was it was quite cheap. Yes. So, look, we will hold on to it if it's if it's Yes. getting rented probably long term because we'd like to just see it provide us a, yeah, a bit of extra income. Absolutely. And if something better comes along, we can sell that and get rid of it. Go Oh, move on fantastic. to something better. Yeah.","start_word":7396,"end_word":7559,"sentiment":"neutral","sentiment_score":0.028349885126439538},{"text":"Absolutely. Fantastic. Well, thank you so much for updating those details.","start_word":7560,"end_word":7570,"sentiment":"positive","sentiment_score":0.4945228397846222},{"text":"So just No. to No. kind Thanks of recap, for your I'll go time. that's alright. I'll go back and review your suit for the investments, Yep. look at how everything's Yes. been working. No. That'll be yeah. I'll update some advice for you. I'll just retain your insurances as they are, not looking Yep. to get any new cover with income protection or trauma. I'll scope those out for now. We can always Yep. come back and review those down the track there. Yep. Inside that email, you've got those documents that went through giving you your balance and your performance there. I'm always open to let you know when something isn't you're tracking well. When there is a downtime, I'll stand forefront and go, look. It is Yep. a downtime. Right now, it is what it is. We don't like it, but it is here. Yes. So we just kind of, you know, track forward and see how we are going. I'll update Yep. the advice to reflect for you, and we do also have the financial services guide in that email and also your ongoing service agreement as well. So you do pay Yep. the ongoing service fee for our services. It is 1.65% per annum Yep. and Yep. is deducting smaller monthly increments from your super debt. So if Yep. you're happy to No. stay on board for another year and want me to do the advice, No. I'll That's get you great. to sign a return that fast. Yep. But feel free to have a look through those documents there. And if you find you have any other questions or if there's something I haven't touched on, let me know. No. We can always come back and check again. Okay. No. That's very thorough.","start_word":7571,"end_word":7869,"sentiment":"neutral","sentiment_score":0.041279979050159454},{"text":"Thanks. Thanks very Excellent.","start_word":7870,"end_word":7873,"sentiment":"positive","sentiment_score":0.4444327354431152},{"text":"much, Dana. Not Thanks a for your problem. time. Anytime.","start_word":7874,"end_word":7883,"sentiment":"neutral","sentiment_score":0.1118638962507248},{"text":"You have a great afternoon with your kids. Good luck.","start_word":7884,"end_word":7893,"sentiment":"positive","sentiment_score":0.7807867527008057},{"text":"I will definitely talk to you before Bob comes along, but I'm very Yes.","start_word":7894,"end_word":7907,"sentiment":"neutral","sentiment_score":0.32959169149398804},{"text":"excited for you guys. Oh, thank you. Thank you.","start_word":7908,"end_word":7916,"sentiment":"positive","sentiment_score":0.640158474445343},{"text":"Yeah.","start_word":7917,"end_word":7917,"sentiment":"neutral","sentiment_score":0.3320291042327881},{"text":"Oh, Take good.","start_word":7918,"end_word":7920,"sentiment":"positive","sentiment_score":0.340726375579834},{"text":"care of yourself, and we'll Yeah.","start_word":7921,"end_word":7926,"sentiment":"neutral","sentiment_score":0.24274520576000216},{"text":"thanks. Well done.","start_word":7927,"end_word":7929,"sentiment":"positive","sentiment_score":0.582837700843811},{"text":"I'll talk to you in a couple of weeks.","start_word":7930,"end_word":7938,"sentiment":"neutral","sentiment_score":0.2997252941131592},{"text":"Thank you so much, Erin. Talk to you soon. Thanks, See Dana. you later.","start_word":7939,"end_word":7952,"sentiment":"positive","sentiment_score":0.5492586493492126},{"text":"Alright. Bye. Bye.","start_word":7953,"end_word":7955,"sentiment":"neutral","sentiment_score":0.19630210101604464}],"average":{"sentiment":"neutral","sentiment_score":0.05746447878489712}}}}