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The calls are recorded, but you can have a bit of fun with it sometimes. Oh, that's good, mate. I've got this this plan ready to send through to you. Will you be able to look onto the email with me today, or should I just give you a bit of a walk through? Yes. Yep. Right. Perfect. No. That's fine. So what I'll do today, I'll let you know obviously, what documents are coming through to you. I'll give you a kind of a rundown of what I'm wanting to do and why. See if you do have any questions. I do wanna make sure it makes enough sense that you can, you know, give informed consent at least, and then we can take care of it from there. Yep. Absolutely. Yep. Perfect. Absolutely. So I'll try Awesome. So you're placing some some trust in us. Cool. Now I'm usually pretty good at no. Look. It does I'm not gonna lie. It does go up and down if you were to watch it every single day because stock market goes up and down. Yeah. And it's just one of the things you know how we use a lot of buzzwords in the industry. Everyone talks about volatility and risk and all these kinds of things. Basically, Basically, what pretty much anytime something happens in the news, the market goes up and down a lot higher and lower than it normally does. And when everyone's quiet, it goes a lot smoother, and that's pretty much the game of the stock market. Pretty much. I'm usually pretty good at at least kind of breaking down what we're doing and why, but I would love to get your feedback if it does make sense. Now just to let you know what I've sent you. So the statement of advice has all of the recommendations, pros and cons, and everything that I'm gonna go through with you, and it has a number of additional attachments. Basically, service guides for Oakview, you know, our privacy policy, licensing details. We've also got product documents. So every provider, like Hub twenty four, they've got big 500 page product disclosure documents. Whenever they update that, we just send that through to you guys so you've got the latest copy. Not that you're expected to read all 500 pages, but it's there if there is anything that we need to find out. Fair enough. Fair enough, Chris. Now when it comes to the advice itself, so the statement of advice talks about the scope of what we are doing versus what we're not doing. And, basically, our conversation was let's just review the investments inside the super to make sure they're good. You were talking about potentially doing just a little bit of contributions into super because you wanted to slowly build it up towards what you would pay for the percentage? That's alright. I've recommended to start with $20 a week because that's what we talked about. And then what I'm gonna do is I'll send you through the details on how to make those contributions through BPAY or EFT, and we'll just slowly talk to you every year about slowly increasing those as your cash flow allows. K? Now, obviously, the benefit of that, tax rates in super are 15%. You get more in there. It's gonna start to grow, and it's not gonna go, you know, backwards from all the premiums and fees and all that kind of thing. We did have a chat around beneficiary nominations, getting someone listed on the super, wills and powers of attorney. That's fine. I'm gonna send you the forms out. That's no worries at all. Most of them are electronic. The only ones that we can't do are beneficiary nominations because they're legal documents. But I can prefill that for you at the end of the call. Cool. For the insurances, so we we essentially wanted to make sure that, you know, your mortgage is covered. You've got a $100,000 of insurances for each of your daughters. And so we were looking to trim down your life and disability insurance to get the fees down a bit because they were getting pretty expensive if that rings a bell. Yeah. And that's one of the things I've done too. Untouched. Yep. So with the the reduction quote that I've attached with it, I've also removed the indexation so the cover is not gonna just keep creeping up every year. Alright. So we'll trim it down. That'll save some premiums, and then it won't just keep increasing. It's gonna remain flat until we decide to change it again or cancel it. Cool. We've got all of your details listed in the statement of advice, just, you know, home values, cars, and everything that we took down in the last call. You've got the one path policy is the one that we're looking to alter, which, again, just as a reminder, you know, that's creeping up to 6,500 at the moment, and that's why we're trimming it down because it's very expensive. Yeah. So that's 4 50 for the 6,000. And then when we trim it down after the the 15% rebate, it goes down to about 3,600 after tax. Yeah. It's huge. Yeah. At this point, they still are. It's one of those ones that we always spin through the policy into the software to compare everybody else and just do quotes across the board. If I find someone who's gonna save you, say, you know, 20% more, then it might be worth going through and reapplying through someone else. K. Great questions. In the statement of advice too, so when it comes to the super side of things, we've got $20 a week, which I've added in for the contributions as a starting point, and then we'll obviously build it up from there. We've also got a few investments that we're switching around as well. So just to give you a bit of an idea, when we set up your eight or nine investment options inside the super, you know, one's Australian shares, one's property, one's gold, we usually put, like, a percentage along with it. Like, we want you to have 10% of gold and 5% of property and things like that. Over the course of a year, one goes up, one goes down. What I'm basically doing is rebalancing it so all of the percentages go back to the way they should be. In addition to that, there's that Benelon option that I mentioned last time, which wasn't performing too well. I'm switching that one out for a lower fee index fund. What that basically does is it chops 80% of the investment fees for that option because it's much, much more affordable, and it has much better performance. One, three, five, and ten years. So one switch out, a rebalance of the rest, and what that'll essentially do and I'll just give you the figures here. So it should save, just based on the current balance, $85 in investment fees for a cost of $15 in capital gains tax under the hood, which was basically nothing, and improve the returns from, like, a 9% average to an 11% average. And that should basically, if you put in $20 a week, trim down the premiums, and switch the investments, we go from going backwards in terms of your account balance going down back into the positive. So instead of going from 65,000 to 42,000, we're now going from 65 to 75, and we're starting to grow it again. Does that make sense? Yeah. I think some low fees really contribute to that, especially those insurance premiums. That's the big one. Exactly. I I just want Exactly. I guess the easiest way to think about it now is if you've got 65,000 and you get, like, that 11% growth, you get, like, 7 grands in the super. And rather than $6, 6.5 coming out for premiums, now you're getting a profit. Yep. So that's where we wanna be. We wanna be slowly growing it. Exactly. Just bear in mind, I guess, my usual disclaimer is that because the market goes up and down, when we talk about that 11% return or or the figure we're aiming for, that's an average over, say, three and five years. Because in the middle of the year, it's gonna go up $10, down $5, and da da da da da. And once you spread it out over a long enough time period, then you start to hit that average of, you know, nine to 11. And I think we've got yours listed to about seven years I've projected in the document. K. Outside of that, so, again, switch out one option, rebalance the rest, start putting some small contributions in, trim down the premiums. It still keeps your your asset allocation, you know, how much is in the shares, property, and gold at that kind of 90 to 92% range, which is in line with that high growth profile that we were talking about. Cool. Oh, yeah. It's been real fun. I think inside your portfolio, you've still got 9% in there in gold, so it's been really helpful. You've had a lot of fun with the the old battery tech and lithium, you know, like electric vehicles everyone's been buying lately. So those ones have been going great. Those are the ones with the highest returns for you, the gold, the battery tech, and that kind of thing. It's really just that one bed along option that was really dragging its feet. So that one's getting switched out, and we're good to Oh, like, the the the fringe benefits tax changes or something Oh, is that a a state one or a federal legislation? I'll have to look into that one and double check it. I wasn't sure if you're referring to anything on, you know, petrol vehicle taxes or if it's just a, you know, punishment for the old truck drivers. Yes. That's the one. I'll have to have a little look at it. I know that a little bit. So anything like that that's detrimental to that industry affects it, but then this also invests, like, worldwide. So for example, if Australia put a bit of a tax on EVs, that would do a bit of a dip, but that wouldn't obviously impact if everyone's buying them in Germany and America and China and all the rest. Yeah. And I can see that there. They're talking about the 3¢ per ton kilometer rate. Absolutely. I don't expect it to, you know, crash the industry worldwide. So that option is not gonna get wiped out, but, you know, everything like that, country by country, does impact things a little bit. Okay. So it's not always available? How many cases at last? Probably nowhere near 800, though. No. Especially the amount of times you'd have to find somewhere that had the plug in points to charge this thing along the way. And if you're in the middle of nowhere, I'm not gonna say what creek you're up. That's the one. That's the one. Maybe some guys do. I haven't looked into it. Oh, classic. Classic. I don't have one myself, but they're all the rage at the moment. Yeah. Quiet. No. No. I won't put that down as one of the the goals. We'll stick with the tried and true for the time being. Absolutely. And look, the prices have just spiked up again, but we do what we do. Do what we need to do. Yeah. Well, I won't jump into that with you today, but it's definitely something that we shouldn't be importing so many things. But maybe one day. Give it a generation or three, and they might wake up. Speaking of generations, Chris, I had your your partner listed to go on to the beneficiary nominations for the life insurance and the super. I did mention at the start of the call that I can prefill the forms for you. So just because it is a recorded line, what I'll do is sorry for reasking information that we already know. But if I can grab her full legal name, date of birth, and if she's at the same address, I can put all that on there for you. Elizabeth Lawrence Hanson. Yep. 09/25/1972. Elizabeth Florence Hanson. And what we were doing is putting her as a 100% legally binding and non lapsing so it doesn't expire. Cool. There is one last thing that I'll let you know. There's some reminders in there about wills and powers of attorney and everything. With the investments, I did have a look at I spoke to you about possibly looking at an SMA bubble structure so that we can make changes throughout the year. The comparison didn't look very good in terms of capital gains tax for the super and the way the performance was looking. So if we need to change anything again at the next review, I'd have to just update this plan with anything else that we wanna do. If it does swing into first position, then I'll probably look at switching you into that so it's a bit easier throughout the year. But at this point, it's a bit of an engine tune rather than switching vehicles. Cool. The only other one that's in there as well is the service agreement for us to remain advisers on hub. So, obviously, we can't touch anything unless we have consent, and our fees are still the same, the 1.65% on there as well. Cool. So pre fill the beneficiary nominations for one path and hub twenty four. Once you get that one signed, we do the investment switches online for you, usually on a Friday. Might not get it in for tomorrow unless we sign today, but it might be next week. I will send you the contribution details to start putting the $20 into the super. What will basically happen from there is that in June, we'll give you a call to let you know sort of how much has gone in, and there's, like, a one one form that can claim it all as a tax deduction. So what we basically do is just let the $20 come in. And then come June after the financial year ends, you sign that form to claim it. We send it to the superfund. They tell the tax office that we're claiming it, and they give you a confirmation letter to bring to your for your tax return to be completed. Cool. Does that make sense? I know it's a bit of a process. Perfect. Yeah. Oh, cool. Do you feel like I've explained it in a way that makes sense? Awesome. That's what we're here for. Again, like, I'm not trying to turn you into a stock broker or a fund manager, but I just wanna make sure, you know, you're happy with what we're doing with your money. So better on the verbals than than the reading. Yep. Cool. So I'll make sure that we never send you a document out willy nilly for you to sort of sign without someone at least talking you through it to make sure that, you know, everything's above board. Awesome, Chris. Mate, it's been a pleasure this morning. That's pretty much everything I had to go over with you. It's just the plan. We'll send you out those beneficiary forms, contribution details. Any questions for me? Amazing. Again, I've put all this down on the file. So if anyone calls up with any questions, we've got all the information about what we spoke about. And from there, the team will basically just reach out with some updates and reminders as we go through. Awesome, mate. Alrighty. I will let you go. Thank you so much for your time today. Absolutely, Chris. And, look, thank you so much for calling back in as well. Appreciate that. Alright, mate. See you later. Thank you so much. 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afternoon, Chris. You're through to Tommy, mate. Thank you so much for calling back in. That's always the way. That's always the way.\n\nNo. That's fine. The calls are recorded, but you can have a bit of fun with it sometimes. Oh, that's good, mate. I've got this this plan ready to send through to you.\n\nWill you be able to look onto the email with me today, or should I just give you a bit of a walk through? Yes. Yep. Right. Perfect.\n\nNo. That's fine. So what I'll do today, I'll let you know obviously, what documents are coming through to you. I'll give you a kind of a rundown of what I'm wanting to do and why. See if you do have any questions.\n\nI do wanna make sure it makes enough sense that you can, you know, give informed consent at least, and then we can take care of it from there. Yep. Absolutely. Yep. Perfect.\n\nAbsolutely. So I'll try Awesome. So you're placing some some trust in us. Cool. Now I'm usually pretty good at no.\n\nLook. It does I'm not gonna lie. It does go up and down if you were to watch it every single day because stock market goes up and down. Yeah. And it's just one of the things you know how we use a lot of buzzwords in the industry.\n\nEveryone talks about volatility and risk and all these kinds of things. Basically, Basically, what pretty much anytime something happens in the news, the market goes up and down a lot higher and lower than it normally does. And when everyone's quiet, it goes a lot smoother, and that's pretty much the game of the stock market. Pretty much. I'm usually pretty good at at least kind of breaking down what we're doing and why, but I would love to get your feedback if it does make sense.\n\nNow just to let you know what I've sent you. So the statement of advice has all of the recommendations, pros and cons, and everything that I'm gonna go through with you, and it has a number of additional attachments. Basically, service guides for Oakview, you know, our privacy policy, licensing details. We've also got product documents. So every provider, like Hub twenty four, they've got big 500 page product disclosure documents.\n\nWhenever they update that, we just send that through to you guys so you've got the latest copy. Not that you're expected to read all 500 pages, but it's there if there is anything that we need to find out. Fair enough. Fair enough, Chris. Now when it comes to the advice itself, so the statement of advice talks about the scope of what we are doing versus what we're not doing.\n\nAnd, basically, our conversation was let's just review the investments inside the super to make sure they're good. You were talking about potentially doing just a little bit of contributions into super because you wanted to slowly build it up towards what you would pay for the percentage? That's alright. I've recommended to start with $20 a week because that's what we talked about. And then what I'm gonna do is I'll send you through the details on how to make those contributions through BPAY or EFT, and we'll just slowly talk to you every year about slowly increasing those as your cash flow allows.\n\nK? Now, obviously, the benefit of that, tax rates in super are 15%. You get more in there. It's gonna start to grow, and it's not gonna go, you know, backwards from all the premiums and fees and all that kind of thing. We did have a chat around beneficiary nominations, getting someone listed on the super, wills and powers of attorney.\n\nThat's fine. I'm gonna send you the forms out. That's no worries at all. Most of them are electronic. The only ones that we can't do are beneficiary nominations because they're legal documents.\n\nBut I can prefill that for you at the end of the call. Cool. For the insurances, so we we essentially wanted to make sure that, you know, your mortgage is covered. You've got a $100,000 of insurances for each of your daughters. And so we were looking to trim down your life and disability insurance to get the fees down a bit because they were getting pretty expensive if that rings a bell.\n\nYeah. And that's one of the things I've done too. Untouched. Yep. So with the the reduction quote that I've attached with it, I've also removed the indexation so the cover is not gonna just keep creeping up every year.\n\nAlright. So we'll trim it down. That'll save some premiums, and then it won't just keep increasing. It's gonna remain flat until we decide to change it again or cancel it. Cool.\n\nWe've got all of your details listed in the statement of advice, just, you know, home values, cars, and everything that we took down in the last call. You've got the one path policy is the one that we're looking to alter, which, again, just as a reminder, you know, that's creeping up to 6,500 at the moment, and that's why we're trimming it down because it's very expensive. Yeah. So that's 4 50 for the 6,000. And then when we trim it down after the the 15% rebate, it goes down to about 3,600 after tax.\n\nYeah. It's huge. Yeah. At this point, they still are. It's one of those ones that we always spin through the policy into the software to compare everybody else and just do quotes across the board.\n\nIf I find someone who's gonna save you, say, you know, 20% more, then it might be worth going through and reapplying through someone else. K. Great questions. In the statement of advice too, so when it comes to the super side of things, we've got $20 a week, which I've added in for the contributions as a starting point, and then we'll obviously build it up from there. We've also got a few investments that we're switching around as well.\n\nSo just to give you a bit of an idea, when we set up your eight or nine investment options inside the super, you know, one's Australian shares, one's property, one's gold, we usually put, like, a percentage along with it. Like, we want you to have 10% of gold and 5% of property and things like that. Over the course of a year, one goes up, one goes down. What I'm basically doing is rebalancing it so all of the percentages go back to the way they should be. In addition to that, there's that Benelon option that I mentioned last time, which wasn't performing too well.\n\nI'm switching that one out for a lower fee index fund. What that basically does is it chops 80% of the investment fees for that option because it's much, much more affordable, and it has much better performance. One, three, five, and ten years. So one switch out, a rebalance of the rest, and what that'll essentially do and I'll just give you the figures here. So it should save, just based on the current balance, $85 in investment fees for a cost of $15 in capital gains tax under the hood, which was basically nothing, and improve the returns from, like, a 9% average to an 11% average.\n\nAnd that should basically, if you put in $20 a week, trim down the premiums, and switch the investments, we go from going backwards in terms of your account balance going down back into the positive. So instead of going from 65,000 to 42,000, we're now going from 65 to 75, and we're starting to grow it again. Does that make sense? Yeah. I think some low fees really contribute to that, especially those insurance premiums.\n\nThat's the big one. Exactly. I I just want Exactly. I guess the easiest way to think about it now is if you've got 65,000 and you get, like, that 11% growth, you get, like, 7 grands in the super. And rather than $6, 6.5 coming out for premiums, now you're getting a profit.\n\nYep. So that's where we wanna be. We wanna be slowly growing it. Exactly. Just bear in mind, I guess, my usual disclaimer is that because the market goes up and down, when we talk about that 11% return or or the figure we're aiming for, that's an average over, say, three and five years.\n\nBecause in the middle of the year, it's gonna go up $10, down $5, and da da da da da. And once you spread it out over a long enough time period, then you start to hit that average of, you know, nine to 11. And I think we've got yours listed to about seven years I've projected in the document. K. Outside of that, so, again, switch out one option, rebalance the rest, start putting some small contributions in, trim down the premiums.\n\nIt still keeps your your asset allocation, you know, how much is in the shares, property, and gold at that kind of 90 to 92% range, which is in line with that high growth profile that we were talking about. Cool. Oh, yeah. It's been real fun. I think inside your portfolio, you've still got 9% in there in gold, so it's been really helpful.\n\nYou've had a lot of fun with the the old battery tech and lithium, you know, like electric vehicles everyone's been buying lately. So those ones have been going great. Those are the ones with the highest returns for you, the gold, the battery tech, and that kind of thing. It's really just that one bed along option that was really dragging its feet. So that one's getting switched out, and we're good to Oh, like, the the the fringe benefits tax changes or something Oh, is that a a state one or a federal legislation?\n\nI'll have to look into that one and double check it. I wasn't sure if you're referring to anything on, you know, petrol vehicle taxes or if it's just a, you know, punishment for the old truck drivers. Yes. That's the one. I'll have to have a little look at it.\n\nI know that a little bit. So anything like that that's detrimental to that industry affects it, but then this also invests, like, worldwide. So for example, if Australia put a bit of a tax on EVs, that would do a bit of a dip, but that wouldn't obviously impact if everyone's buying them in Germany and America and China and all the rest. Yeah. And I can see that there.\n\nThey're talking about the 3¢ per ton kilometer rate. Absolutely. I don't expect it to, you know, crash the industry worldwide. So that option is not gonna get wiped out, but, you know, everything like that, country by country, does impact things a little bit. Okay.\n\nSo it's not always available? How many cases at last? Probably nowhere near 800, though. No. Especially the amount of times you'd have to find somewhere that had the plug in points to charge this thing along the way.\n\nAnd if you're in the middle of nowhere, I'm not gonna say what creek you're up. That's the one. That's the one. Maybe some guys do. I haven't looked into it.\n\nOh, classic. Classic. I don't have one myself, but they're all the rage at the moment. Yeah. Quiet.\n\nNo. No. I won't put that down as one of the the goals. We'll stick with the tried and true for the time being. Absolutely.\n\nAnd look, the prices have just spiked up again, but we do what we do. Do what we need to do. Yeah. Well, I won't jump into that with you today, but it's definitely something that we shouldn't be importing so many things. But maybe one day.\n\nGive it a generation or three, and they might wake up. Speaking of generations, Chris, I had your your partner listed to go on to the beneficiary nominations for the life insurance and the super. I did mention at the start of the call that I can prefill the forms for you. So just because it is a recorded line, what I'll do is sorry for reasking information that we already know. But if I can grab her full legal name, date of birth, and if she's at the same address, I can put all that on there for you.\n\nElizabeth Lawrence Hanson. Yep. 09/25/1972. Elizabeth Florence Hanson. And what we were doing is putting her as a 100% legally binding and non lapsing so it doesn't expire.\n\nCool. There is one last thing that I'll let you know. There's some reminders in there about wills and powers of attorney and everything. With the investments, I did have a look at I spoke to you about possibly looking at an SMA bubble structure so that we can make changes throughout the year. The comparison didn't look very good in terms of capital gains tax for the super and the way the performance was looking.\n\nSo if we need to change anything again at the next review, I'd have to just update this plan with anything else that we wanna do. If it does swing into first position, then I'll probably look at switching you into that so it's a bit easier throughout the year. But at this point, it's a bit of an engine tune rather than switching vehicles. Cool. The only other one that's in there as well is the service agreement for us to remain advisers on hub.\n\nSo, obviously, we can't touch anything unless we have consent, and our fees are still the same, the 1.65% on there as well. Cool. So pre fill the beneficiary nominations for one path and hub twenty four. Once you get that one signed, we do the investment switches online for you, usually on a Friday. Might not get it in for tomorrow unless we sign today, but it might be next week.\n\nI will send you the contribution details to start putting the $20 into the super. What will basically happen from there is that in June, we'll give you a call to let you know sort of how much has gone in, and there's, like, a one one form that can claim it all as a tax deduction. So what we basically do is just let the $20 come in. And then come June after the financial year ends, you sign that form to claim it. We send it to the superfund.\n\nThey tell the tax office that we're claiming it, and they give you a confirmation letter to bring to your for your tax return to be completed. Cool. Does that make sense? I know it's a bit of a process. Perfect.\n\nYeah. Oh, cool. Do you feel like I've explained it in a way that makes sense? Awesome. That's what we're here for.\n\nAgain, like, I'm not trying to turn you into a stock broker or a fund manager, but I just wanna make sure, you know, you're happy with what we're doing with your money. So better on the verbals than than the reading. Yep. Cool. So I'll make sure that we never send you a document out willy nilly for you to sort of sign without someone at least talking you through it to make sure that, you know, everything's above board.\n\nAwesome, Chris. Mate, it's been a pleasure this morning. That's pretty much everything I had to go over with you. It's just the plan. We'll send you out those beneficiary forms, contribution details.\n\nAny questions for me? Amazing. Again, I've put all this down on the file. So if anyone calls up with any questions, we've got all the information about what we spoke about. And from there, the team will basically just reach out with some updates and reminders as we go through.\n\nAwesome, mate. Alrighty. I will let you go. Thank you so much for your time today. Absolutely, Chris.\n\nAnd, look, thank you so much for calling back in as well. Appreciate that. Alright, mate. See you later. Thank you so much.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Chris.","start":1.92,"end":3.12,"sentiment":"neutral","sentiment_score":0.29964569211006165},{"text":"You're through to Tommy, mate.","start":3.12,"end":4.16,"sentiment":"neutral","sentiment_score":0.2765886574983597},{"text":"Thank you so much for calling back in.","start":4.16,"end":5.8599997,"sentiment":"positive","sentiment_score":0.6494141444563866},{"text":"That's always the way.","start":10.24,"end":11.62,"sentiment":"neutral","sentiment_score":-0.2782917730510235},{"text":"That's always the way.","start":12.0,"end":13.215,"sentiment":"neutral","sentiment_score":-0.24206667765974998}],"sentiment":"neutral","sentiment_score":0.22482332152624926,"num_words":24,"start":1.92,"end":13.215},{"sentences":[{"text":"No.","start":17.295,"end":17.615,"sentiment":"neutral","sentiment_score":-0.0777452141046524},{"text":"That's fine.","start":17.615,"end":18.095001,"sentiment":"neutral","sentiment_score":0.059889212250709534},{"text":"The calls are recorded, but you can have a bit of fun with it sometimes.","start":18.095001,"end":21.075,"sentiment":"neutral","sentiment_score":0.13105253924926122},{"text":"Oh, that's good, mate.","start":31.07,"end":32.11,"sentiment":"positive","sentiment_score":0.5039664655923843},{"text":"I've got this this plan ready to send through to you.","start":32.11,"end":35.07,"sentiment":"positive","sentiment_score":0.43491870164871216}],"sentiment":"neutral","sentiment_score":0.2669028145345775,"num_words":33,"start":17.295,"end":35.07},{"sentences":[{"text":"Will you be able to look onto the email with me today, or should I just give you a bit of a walk through?","start":35.07,"end":40.335,"sentiment":"neutral","sentiment_score":0.16799340955913067},{"text":"Yes.","start":52.975,"end":53.475,"sentiment":"neutral","sentiment_score":0.05829254910349846},{"text":"Yep.","start":53.614998,"end":54.03,"sentiment":"neutral","sentiment_score":0.04455023631453514},{"text":"Right.","start":54.03,"end":54.53,"sentiment":"neutral","sentiment_score":0.01445820275694132},{"text":"Perfect.","start":64.99,"end":65.49,"sentiment":"neutral","sentiment_score":-0.1850270926952362}],"sentiment":"neutral","sentiment_score":0.14157556160353124,"num_words":28,"start":35.07,"end":65.49},{"sentences":[{"text":"No.","start":66.909996,"end":67.15,"sentiment":"neutral","sentiment_score":-0.14053286612033844},{"text":"That's fine.","start":67.15,"end":67.63,"sentiment":"neutral","sentiment_score":-0.023409320041537285},{"text":"So what I'll do today, I'll let you know obviously, what documents are coming through to you.","start":67.63,"end":71.735,"sentiment":"neutral","sentiment_score":0.08717781327226583},{"text":"I'll give you a kind of a rundown of what I'm wanting to do and why.","start":72.035,"end":75.815,"sentiment":"neutral","sentiment_score":0.08687700936570764},{"text":"See if you do have any questions.","start":76.275,"end":77.735,"sentiment":"neutral","sentiment_score":0.10357246760811124}],"sentiment":"neutral","sentiment_score":0.07929559866356295,"num_words":43,"start":66.909996,"end":77.735},{"sentences":[{"text":"I do wanna make sure it makes enough sense that you can, you know, give informed consent at least, and then we can take care of it from there.","start":77.795,"end":83.649994,"sentiment":"neutral","sentiment_score":0.07609603162212618},{"text":"Yep.","start":91.869995,"end":92.369995,"sentiment":"neutral","sentiment_score":-0.29262855648994446},{"text":"Absolutely.","start":98.485,"end":98.985,"sentiment":"neutral","sentiment_score":-0.1363168507814407},{"text":"Yep.","start":109.84499,"end":110.34499,"sentiment":"neutral","sentiment_score":-0.03522476926445961},{"text":"Perfect.","start":117.009995,"end":117.509995,"sentiment":"positive","sentiment_score":0.6521435976028442}],"sentiment":"neutral","sentiment_score":0.07256843448814118,"num_words":33,"start":77.795,"end":117.509995},{"sentences":[{"text":"Absolutely.","start":121.17,"end":121.67,"sentiment":"positive","sentiment_score":0.5599862933158875},{"text":"So I'll try Awesome.","start":122.049995,"end":135.985,"sentiment":"positive","sentiment_score":0.5659803971648216},{"text":"So you're placing some some trust in us.","start":135.985,"end":138.15,"sentiment":"positive","sentiment_score":0.6114032492041588},{"text":"Cool.","start":140.70999,"end":141.20999,"sentiment":"positive","sentiment_score":0.43925100564956665},{"text":"Now I'm usually pretty good at no.","start":141.26999,"end":145.20999,"sentiment":"neutral","sentiment_score":-0.1023887459720884}],"sentiment":"positive","sentiment_score":0.35417445997397107,"num_words":21,"start":121.17,"end":145.20999},{"sentences":[{"text":"Look.","start":145.51,"end":145.75,"sentiment":"neutral","sentiment_score":-0.08962862193584442},{"text":"It does I'm not gonna lie.","start":145.75,"end":146.70999,"sentiment":"neutral","sentiment_score":-0.10339963498214881},{"text":"It does go up and down if you were to watch it every single day because stock market goes up and down.","start":146.70999,"end":155.49501,"sentiment":"neutral","sentiment_score":-0.12279875711961226},{"text":"Yeah.","start":155.49501,"end":155.99501,"sentiment":"neutral","sentiment_score":-0.04963307827711105},{"text":"And it's just one of the things you know how we use a lot of buzzwords in the industry.","start":156.05501,"end":159.255,"sentiment":"neutral","sentiment_score":-0.021205698188982512}],"sentiment":"neutral","sentiment_score":-0.07886000882302012,"num_words":49,"start":145.51,"end":159.255},{"sentences":[{"text":"Everyone talks about volatility and risk and all these kinds of things.","start":159.255,"end":162.79501,"sentiment":"neutral","sentiment_score":-0.0375880083690087},{"text":"Basically, Basically, what pretty much anytime something happens in the news, the market goes up and down a lot higher and lower than it normally does.","start":163.095,"end":173.62,"sentiment":"neutral","sentiment_score":-0.020468663352613266},{"text":"And when everyone's quiet, it goes a lot smoother, and that's pretty much the game of the stock market.","start":173.62,"end":183.175,"sentiment":"neutral","sentiment_score":0.12357324459835102},{"text":"Pretty much.","start":183.235,"end":184.055,"sentiment":"neutral","sentiment_score":0.1659812033176422},{"text":"I'm usually pretty good at at least kind of breaking down what we're doing and why, but I would love to get your feedback if it does make sense.","start":184.83499,"end":190.98,"sentiment":"neutral","sentiment_score":0.20650753301793132}],"sentiment":"neutral","sentiment_score":0.087333308680999,"num_words":88,"start":159.255,"end":190.98},{"sentences":[{"text":"Now just to let you know what I've sent you.","start":192.81999,"end":194.65999,"sentiment":"neutral","sentiment_score":0.1263097383081913},{"text":"So the statement of advice has all of the recommendations, pros and cons, and everything that I'm gonna go through with you, and it has a number of additional attachments.","start":194.65999,"end":204.585,"sentiment":"neutral","sentiment_score":0.12154512132207552},{"text":"Basically, service guides for Oakview, you know, our privacy policy, licensing details.","start":206.10501,"end":210.925,"sentiment":"neutral","sentiment_score":0.07051690357426803},{"text":"We've also got product documents.","start":211.625,"end":213.725,"sentiment":"neutral","sentiment_score":0.05011505037546158},{"text":"So every provider, like Hub twenty four, they've got big 500 page product disclosure documents.","start":213.945,"end":219.24501,"sentiment":"neutral","sentiment_score":0.05930485383917888}],"sentiment":"neutral","sentiment_score":0.09577502673750536,"num_words":72,"start":192.81999,"end":219.24501},{"sentences":[{"text":"Whenever they update that, we just send that through to you guys so you've got the latest copy.","start":219.58,"end":223.44,"sentiment":"neutral","sentiment_score":0.1331755051182376},{"text":"Not that you're expected to read all 500 pages, but it's there if there is anything that we need to find out.","start":225.02,"end":230.31999,"sentiment":"neutral","sentiment_score":-0.17896165631034158},{"text":"Fair enough.","start":236.40501,"end":237.76501,"sentiment":"neutral","sentiment_score":0.19251632690429688},{"text":"Fair enough, Chris.","start":237.76501,"end":238.90501,"sentiment":"neutral","sentiment_score":0.24679935971895853},{"text":"Now when it comes to the advice itself, so the statement of advice talks about the scope of what we are doing versus what we're not doing.","start":239.445,"end":246.02501,"sentiment":"neutral","sentiment_score":0.012401294653062467}],"sentiment":"neutral","sentiment_score":-0.0011073841402928035,"num_words":72,"start":219.58,"end":246.02501},{"sentences":[{"text":"And, basically, our conversation was let's just review the investments inside the super to make sure they're good.","start":246.43,"end":253.41,"sentiment":"neutral","sentiment_score":0.20666159979171222},{"text":"You were talking about potentially doing just a little bit of contributions into super because you wanted to slowly build it up towards what you would pay for the percentage?","start":254.67,"end":263.30502,"sentiment":"neutral","sentiment_score":0.08208339692403872},{"text":"That's alright.","start":267.125,"end":267.92502,"sentiment":"neutral","sentiment_score":0.029974722303450108},{"text":"I've recommended to start with $20 a week because that's what we talked about.","start":267.92502,"end":271.545,"sentiment":"neutral","sentiment_score":0.16614590425576484},{"text":"And then what I'm gonna do is I'll send you through the details on how to make those contributions through BPAY or EFT, and we'll just slowly talk to you every year about slowly increasing those as your cash flow allows.","start":271.605,"end":285.91998,"sentiment":"neutral","sentiment_score":0.2081403597825911}],"sentiment":"neutral","sentiment_score":0.16287769104043642,"num_words":105,"start":246.43,"end":285.91998},{"sentences":[{"text":"K?","start":288.54,"end":288.975,"sentiment":"neutral","sentiment_score":0.06525161862373352},{"text":"Now, obviously, the benefit of that, tax rates in super are 15%.","start":289.375,"end":292.575,"sentiment":"neutral","sentiment_score":0.1429632225384315},{"text":"You get more in there.","start":292.575,"end":293.295,"sentiment":"neutral","sentiment_score":0.14717322885990142},{"text":"It's gonna start to grow, and it's not gonna go, you know, backwards from all the premiums and fees and all that kind of thing.","start":293.295,"end":299.555,"sentiment":"neutral","sentiment_score":0.03632676538079977},{"text":"We did have a chat around beneficiary nominations, getting someone listed on the super, wills and powers of attorney.","start":301.375,"end":309.31003,"sentiment":"neutral","sentiment_score":0.0772277140303662}],"sentiment":"neutral","sentiment_score":0.07890600216905436,"num_words":62,"start":288.54,"end":309.31003},{"sentences":[{"text":"That's fine.","start":309.37003,"end":309.85,"sentiment":"neutral","sentiment_score":0.21932917833328247},{"text":"I'm gonna send you the forms out.","start":309.85,"end":311.37003,"sentiment":"neutral","sentiment_score":0.22640417303357804},{"text":"That's no worries at all.","start":311.37003,"end":312.83002,"sentiment":"neutral","sentiment_score":0.09487348347902298},{"text":"Most of them are electronic.","start":316.33002,"end":317.87003,"sentiment":"neutral","sentiment_score":0.0023915011435747145},{"text":"The only ones that we can't do are beneficiary nominations because they're legal documents.","start":318.075,"end":322.975,"sentiment":"neutral","sentiment_score":-0.07216607273689338}],"sentiment":"neutral","sentiment_score":0.04543901432418462,"num_words":33,"start":309.37003,"end":322.975},{"sentences":[{"text":"But I can prefill that for you at the end of the call.","start":325.195,"end":328.89502,"sentiment":"neutral","sentiment_score":0.16490573149461013},{"text":"Cool.","start":331.11502,"end":331.61502,"sentiment":"neutral","sentiment_score":0.3290964961051941},{"text":"For the insurances, so we we essentially wanted to make sure that, you know, your mortgage is covered.","start":332.53,"end":339.88998,"sentiment":"neutral","sentiment_score":0.10546956645945708},{"text":"You've got a $100,000 of insurances for each of your daughters.","start":339.88998,"end":343.91,"sentiment":"neutral","sentiment_score":0.20389489287679846},{"text":"And so we were looking to trim down your life and disability insurance to get the fees down a bit because they were getting pretty expensive if that rings a bell.","start":344.255,"end":352.035,"sentiment":"neutral","sentiment_score":-0.027285908258730365}],"sentiment":"neutral","sentiment_score":0.07795005226256074,"num_words":74,"start":325.195,"end":352.035},{"sentences":[{"text":"Yeah.","start":376.335,"end":376.73502,"sentiment":"neutral","sentiment_score":0.2961764931678772},{"text":"And that's one of the things I've done too.","start":376.73502,"end":378.515,"sentiment":"positive","sentiment_score":0.40356286366780597},{"text":"Untouched.","start":382.495,"end":382.995,"sentiment":"neutral","sentiment_score":0.2497953474521637},{"text":"Yep.","start":383.45502,"end":383.95502,"sentiment":"neutral","sentiment_score":0.27828824520111084},{"text":"So with the the reduction quote that I've attached with it, I've also removed the indexation so the cover is not gonna just keep creeping up every year.","start":384.095,"end":393.16998,"sentiment":"neutral","sentiment_score":0.1788017244211265}],"sentiment":"neutral","sentiment_score":0.23656935356557368,"num_words":40,"start":376.335,"end":393.16998},{"sentences":[{"text":"Alright.","start":394.83,"end":395.15,"sentiment":"neutral","sentiment_score":0.1928982734680176},{"text":"So we'll trim it down.","start":395.15,"end":396.27,"sentiment":"neutral","sentiment_score":0.18988604247570037},{"text":"That'll save some premiums, and then it won't just keep increasing.","start":396.27,"end":399.22998,"sentiment":"neutral","sentiment_score":0.2058650946075266},{"text":"It's gonna remain flat until we decide to change it again or cancel it.","start":399.22998,"end":403.92502,"sentiment":"neutral","sentiment_score":-0.009578016719647817},{"text":"Cool.","start":406.225,"end":406.725,"sentiment":"neutral","sentiment_score":0.2129610925912857}],"sentiment":"neutral","sentiment_score":0.10892854328267276,"num_words":32,"start":394.83,"end":406.725},{"sentences":[{"text":"We've got all of your details listed in the statement of advice, just, you know, home values, cars, and everything that we took down in the last call.","start":406.785,"end":413.845,"sentiment":"neutral","sentiment_score":0.06596723425069026},{"text":"You've got the one path policy is the one that we're looking to alter, which, again, just as a reminder, you know, that's creeping up to 6,500 at the moment, and that's why we're trimming it down because it's very expensive.","start":414.09,"end":437.655,"sentiment":"neutral","sentiment_score":-0.04336687920206204},{"text":"Yeah.","start":438.355,"end":438.67502,"sentiment":"neutral","sentiment_score":0.017148353159427643},{"text":"So that's 4 50 for the 6,000.","start":438.67502,"end":442.59,"sentiment":"neutral","sentiment_score":0.04102557312164988},{"text":"And then when we trim it down after the the 15% rebate, it goes down to about 3,600 after tax.","start":442.59,"end":450.61002,"sentiment":"neutral","sentiment_score":0.10667032543569803}],"sentiment":"neutral","sentiment_score":0.02584303490164661,"num_words":97,"start":406.785,"end":450.61002},{"sentences":[{"text":"Yeah.","start":452.83002,"end":453.15002,"sentiment":"positive","sentiment_score":0.6631004810333252},{"text":"It's huge.","start":453.15002,"end":453.825,"sentiment":"positive","sentiment_score":0.7139034271240234},{"text":"Yeah.","start":463.265,"end":463.665,"sentiment":"neutral","sentiment_score":0.11694108694791794},{"text":"At this point, they still are.","start":463.665,"end":465.445,"sentiment":"neutral","sentiment_score":0.11559213201204936},{"text":"It's one of those ones that we always spin through the policy into the software to compare everybody else and just do quotes across the board.","start":465.825,"end":472.99,"sentiment":"neutral","sentiment_score":0.2098542875968493}],"sentiment":"neutral","sentiment_score":0.23215590810610187,"num_words":36,"start":452.83002,"end":472.99},{"sentences":[{"text":"If I find someone who's gonna save you, say, you know, 20% more, then it might be worth going through and reapplying through someone else.","start":473.13,"end":481.095,"sentiment":"neutral","sentiment_score":0.17067258000373842},{"text":"K.","start":484.215,"end":484.455,"sentiment":"neutral","sentiment_score":0.2579009234905243},{"text":"Great questions.","start":484.455,"end":485.275,"sentiment":"positive","sentiment_score":0.5719624161720276},{"text":"In the statement of advice too, so when it comes to the super side of things, we've got $20 a week, which I've added in for the contributions as a starting point, and then we'll obviously build it up from there.","start":486.135,"end":500.02002,"sentiment":"neutral","sentiment_score":0.19753879872037144},{"text":"We've also got a few investments that we're switching around as well.","start":500.48,"end":504.64,"sentiment":"neutral","sentiment_score":0.20141389096776643}],"sentiment":"neutral","sentiment_score":0.199811082655265,"num_words":81,"start":473.13,"end":504.64},{"sentences":[{"text":"So just to give you a bit of an idea, when we set up your eight or nine investment options inside the super, you know, one's Australian shares, one's property, one's gold, we usually put, like, a percentage along with it.","start":504.64,"end":516.305,"sentiment":"neutral","sentiment_score":0.1227135956287384},{"text":"Like, we want you to have 10% of gold and 5% of property and things like that.","start":516.305,"end":521.045,"sentiment":"neutral","sentiment_score":0.10607959943659165},{"text":"Over the course of a year, one goes up, one goes down.","start":521.505,"end":525.27997,"sentiment":"neutral","sentiment_score":-0.021317415094623964},{"text":"What I'm basically doing is rebalancing it so all of the percentages go back to the way they should be.","start":525.27997,"end":531.77997,"sentiment":"neutral","sentiment_score":0.060843309853225946},{"text":"In addition to that, there's that Benelon option that I mentioned last time, which wasn't performing too well.","start":534.16,"end":539.315,"sentiment":"neutral","sentiment_score":0.008975383308198717}],"sentiment":"neutral","sentiment_score":0.07367800672849019,"num_words":108,"start":504.64,"end":539.315},{"sentences":[{"text":"I'm switching that one out for a lower fee index fund.","start":539.315,"end":543.735,"sentiment":"neutral","sentiment_score":0.05024647475643591},{"text":"What that basically does is it chops 80% of the investment fees for that option because it's much, much more affordable, and it has much better performance.","start":545.555,"end":553.8,"sentiment":"positive","sentiment_score":0.3662636743651496},{"text":"One, three, five, and ten years.","start":554.42,"end":556.2,"sentiment":"neutral","sentiment_score":0.14436329156160355},{"text":"So one switch out, a rebalance of the rest, and what that'll essentially do and I'll just give you the figures here.","start":558.34,"end":564.585,"sentiment":"neutral","sentiment_score":0.14625917993147264},{"text":"So it should save, just based on the current balance, $85 in investment fees for a cost of $15 in capital gains tax under the hood, which was basically nothing, and improve the returns from, like, a 9% average to an 11% average.","start":564.66504,"end":581.35,"sentiment":"positive","sentiment_score":0.5618620424769646}],"sentiment":"positive","sentiment_score":0.35491541251881953,"num_words":109,"start":539.315,"end":581.35},{"sentences":[{"text":"And that should basically, if you put in $20 a week, trim down the premiums, and switch the investments, we go from going backwards in terms of your account balance going down back into the positive.","start":581.81,"end":594.02496,"sentiment":"positive","sentiment_score":0.3835915910700957},{"text":"So instead of going from 65,000 to 42,000, we're now going from 65 to 75, and we're starting to grow it again.","start":594.40497,"end":601.785,"sentiment":"positive","sentiment_score":0.43698115240443836},{"text":"Does that make sense?","start":605.43,"end":606.49,"sentiment":"neutral","sentiment_score":0.058011969551444054},{"text":"Yeah.","start":616.87,"end":617.235,"sentiment":"neutral","sentiment_score":0.05926521122455597},{"text":"I think some low fees really contribute to that, especially those insurance premiums.","start":626.195,"end":632.9193,"sentiment":"neutral","sentiment_score":0.13528680916015917}],"sentiment":"positive","sentiment_score":0.33517005578859854,"num_words":76,"start":581.81,"end":632.9193},{"sentences":[{"text":"That's the big one.","start":634.5086,"end":641.2764,"sentiment":"neutral","sentiment_score":-0.05169132072478533},{"text":"Exactly.","start":642.8657,"end":643.3657,"sentiment":"neutral","sentiment_score":0.028801118955016136},{"text":"I I just want Exactly.","start":644.955,"end":656.335,"sentiment":"neutral","sentiment_score":0.12514874637126921},{"text":"I guess the easiest way to think about it now is if you've got 65,000 and you get, like, that 11% growth, you get, like, 7 grands in the super.","start":657.59503,"end":666.87,"sentiment":"neutral","sentiment_score":0.2964583481351534},{"text":"And rather than $6, 6.5 coming out for premiums, now you're getting a profit.","start":667.17,"end":671.445,"sentiment":"positive","sentiment_score":0.43742555592741283}],"sentiment":"neutral","sentiment_score":0.2863979221287149,"num_words":54,"start":634.5086,"end":671.445},{"sentences":[{"text":"Yep.","start":674.645,"end":675.145,"sentiment":"neutral","sentiment_score":0.10995328426361084},{"text":"So that's where we wanna be.","start":676.485,"end":677.765,"sentiment":"neutral","sentiment_score":0.14340411002437273},{"text":"We wanna be slowly growing it.","start":677.765,"end":679.465,"sentiment":"neutral","sentiment_score":0.2335352674126625},{"text":"Exactly.","start":679.765,"end":680.265,"sentiment":"neutral","sentiment_score":0.16256782412528992},{"text":"Just bear in mind, I guess, my usual disclaimer is that because the market goes up and down, when we talk about that 11% return or or the figure we're aiming for, that's an average over, say, three and five years.","start":683.605,"end":695.26996,"sentiment":"neutral","sentiment_score":-0.06242667456589094}],"sentiment":"neutral","sentiment_score":-0.00046065971255302427,"num_words":55,"start":674.645,"end":695.26996},{"sentences":[{"text":"Because in the middle of the year, it's gonna go up $10, down $5, and da da da da da.","start":695.73,"end":701.665,"sentiment":"neutral","sentiment_score":0.04407734298147261},{"text":"And once you spread it out over a long enough time period, then you start to hit that average of, you know, nine to 11.","start":701.665,"end":707.125,"sentiment":"neutral","sentiment_score":0.025910887122154235},{"text":"And I think we've got yours listed to about seven years I've projected in the document.","start":711.345,"end":717.13,"sentiment":"neutral","sentiment_score":-0.024077731650322676},{"text":"K.","start":721.03,"end":721.35004,"sentiment":"neutral","sentiment_score":0.017182428389787674},{"text":"Outside of that, so, again, switch out one option, rebalance the rest, start putting some small contributions in, trim down the premiums.","start":721.35004,"end":729.965,"sentiment":"neutral","sentiment_score":0.04724515534260056}],"sentiment":"neutral","sentiment_score":0.026198228300061254,"num_words":84,"start":695.73,"end":729.965},{"sentences":[{"text":"It still keeps your your asset allocation, you know, how much is in the shares, property, and gold at that kind of 90 to 92% range, which is in line with that high growth profile that we were talking about.","start":730.665,"end":749.88336,"sentiment":"neutral","sentiment_score":0.184131647227332},{"text":"Cool.","start":749.88336,"end":749.99,"sentiment":"neutral","sentiment_score":0.3272484540939331},{"text":"Oh, yeah.","start":749.99,"end":750.55005,"sentiment":"neutral","sentiment_score":0.3082243502140045},{"text":"It's been real fun.","start":750.55005,"end":751.67004,"sentiment":"positive","sentiment_score":0.5146677643060684},{"text":"I think inside your portfolio, you've still got 9% in there in gold, so it's been really helpful.","start":751.67004,"end":758.315,"sentiment":"neutral","sentiment_score":0.3101750123831961}],"sentiment":"neutral","sentiment_score":0.24539668190364655,"num_words":65,"start":730.665,"end":758.315},{"sentences":[{"text":"You've had a lot of fun with the the old battery tech and lithium, you know, like electric vehicles everyone's been buying lately.","start":759.415,"end":765.515,"sentiment":"neutral","sentiment_score":0.20133592447508936},{"text":"So those ones have been going great.","start":767.09503,"end":768.69,"sentiment":"positive","sentiment_score":0.5180554943425315},{"text":"Those are the ones with the highest returns for you, the gold, the battery tech, and that kind of thing.","start":768.77,"end":773.57,"sentiment":"neutral","sentiment_score":0.28699096478521824},{"text":"It's really just that one bed along option that was really dragging its feet.","start":773.57,"end":777.35,"sentiment":"neutral","sentiment_score":-0.15253446535539947},{"text":"So that one's getting switched out, and we're good to Oh, like, the the the fringe benefits tax changes or something Oh, is that a a state one or a federal legislation?","start":779.73,"end":837.435,"sentiment":"neutral","sentiment_score":0.04673844465287402}],"sentiment":"neutral","sentiment_score":0.1391362680515158,"num_words":96,"start":759.415,"end":837.435},{"sentences":[{"text":"I'll have to look into that one and double check it.","start":839.655,"end":842.155,"sentiment":"neutral","sentiment_score":-0.05127818916331638},{"text":"I wasn't sure if you're referring to anything on, you know, petrol vehicle taxes or if it's just a, you know, punishment for the old truck drivers.","start":842.455,"end":849.69,"sentiment":"neutral","sentiment_score":-0.1421997566465978},{"text":"Yes.","start":857.21,"end":857.53,"sentiment":"neutral","sentiment_score":-0.04857582226395607},{"text":"That's the one.","start":857.53,"end":858.43,"sentiment":"neutral","sentiment_score":-0.05720292900999387},{"text":"I'll have to have a little look at it.","start":869.78503,"end":871.565,"sentiment":"neutral","sentiment_score":-0.15005577438407475}],"sentiment":"neutral","sentiment_score":-0.11714000174520063,"num_words":51,"start":839.655,"end":871.565},{"sentences":[{"text":"I know that a little bit.","start":871.625,"end":879.72,"sentiment":"neutral","sentiment_score":-0.13761509582400322},{"text":"So anything like that that's detrimental to that industry affects it, but then this also invests, like, worldwide.","start":879.72,"end":886.69995,"sentiment":"negative","sentiment_score":-0.345412687295013},{"text":"So for example, if Australia put a bit of a tax on EVs, that would do a bit of a dip, but that wouldn't obviously impact if everyone's buying them in Germany and America and China and all the rest.","start":887.07996,"end":897.515,"sentiment":"neutral","sentiment_score":-0.1413694809190929},{"text":"Yeah.","start":910.07,"end":910.39,"sentiment":"neutral","sentiment_score":0.03288208693265915},{"text":"And I can see that there.","start":910.39,"end":911.35,"sentiment":"neutral","sentiment_score":0.039313845336437225}],"sentiment":"neutral","sentiment_score":-0.17505821160657306,"num_words":71,"start":871.625,"end":911.35},{"sentences":[{"text":"They're talking about the 3¢ per ton kilometer rate.","start":911.35,"end":916.255,"sentiment":"neutral","sentiment_score":0.023970360402017832},{"text":"Absolutely.","start":920.075,"end":920.575,"sentiment":"neutral","sentiment_score":0.013400192372500896},{"text":"I don't expect it to, you know, crash the industry worldwide.","start":921.195,"end":924.33496,"sentiment":"negative","sentiment_score":-0.5144748823209242},{"text":"So that option is not gonna get wiped out, but, you know, everything like that, country by country, does impact things a little bit.","start":924.875,"end":931.82,"sentiment":"negative","sentiment_score":-0.45922191565235454},{"text":"Okay.","start":945.495,"end":945.995,"sentiment":"neutral","sentiment_score":-0.02893323078751564}],"sentiment":"negative","sentiment_score":-0.36676266303078997,"num_words":46,"start":911.35,"end":945.995},{"sentences":[{"text":"So it's not always available?","start":955.015,"end":960.39,"sentiment":"neutral","sentiment_score":-0.13978770971298218},{"text":"How many cases at last?","start":1004.93506,"end":1006.47504,"sentiment":"neutral","sentiment_score":-0.056488037109375},{"text":"Probably nowhere near 800, though.","start":1011.14,"end":1015.88,"sentiment":"neutral","sentiment_score":-0.31045337915420534},{"text":"No.","start":1016.34,"end":1016.84,"sentiment":"negative","sentiment_score":-0.3950525522232056},{"text":"Especially the amount of times you'd have to find somewhere that had the plug in points to charge this thing along the way.","start":1018.26,"end":1024.42,"sentiment":"neutral","sentiment_score":-0.3068980652353038}],"sentiment":"neutral","sentiment_score":-0.25608599185943604,"num_words":39,"start":955.015,"end":1024.42},{"sentences":[{"text":"And if you're in the middle of nowhere, I'm not gonna say what creek you're up.","start":1024.42,"end":1029.0651,"sentiment":"neutral","sentiment_score":-0.25232470966875553},{"text":"That's the one.","start":1033.765,"end":1034.585,"sentiment":"neutral","sentiment_score":-0.0010704807937145233},{"text":"That's the one.","start":1034.645,"end":1035.545,"sentiment":"neutral","sentiment_score":-0.008957340692480406},{"text":"Maybe some guys do.","start":1040.725,"end":1041.845,"sentiment":"neutral","sentiment_score":0.000764758326113224},{"text":"I haven't looked into it.","start":1041.845,"end":1054.7799,"sentiment":"neutral","sentiment_score":-0.03747368343174458}],"sentiment":"neutral","sentiment_score":-0.13714800654880463,"num_words":31,"start":1024.42,"end":1054.7799},{"sentences":[{"text":"Oh, classic.","start":1055.0,"end":1055.745,"sentiment":"neutral","sentiment_score":0.07566967979073524},{"text":"Classic.","start":1057.025,"end":1057.505,"sentiment":"neutral","sentiment_score":0.07047116756439209},{"text":"I don't have one myself, but they're all the rage at the moment.","start":1057.505,"end":1060.805,"sentiment":"neutral","sentiment_score":-0.25783793513591474},{"text":"Yeah.","start":1072.2001,"end":1072.52,"sentiment":"neutral","sentiment_score":-0.07063014060258865},{"text":"Quiet.","start":1072.52,"end":1073.02,"sentiment":"neutral","sentiment_score":-0.0692727267742157}],"sentiment":"neutral","sentiment_score":-0.18166586094432408,"num_words":18,"start":1055.0,"end":1073.02},{"sentences":[{"text":"No.","start":1081.16,"end":1081.4801,"sentiment":"neutral","sentiment_score":-0.28235888481140137},{"text":"No.","start":1081.4801,"end":1081.7201,"sentiment":"neutral","sentiment_score":-0.32512733340263367},{"text":"I won't put that down as one of the the goals.","start":1081.7201,"end":1084.3,"sentiment":"negative","sentiment_score":-0.33524645458568225},{"text":"We'll stick with the tried and true for the time being.","start":1084.8401,"end":1087.9551,"sentiment":"neutral","sentiment_score":-0.20062746784903787},{"text":"Absolutely.","start":1095.055,"end":1095.555,"sentiment":"neutral","sentiment_score":0.05645459145307541}],"sentiment":"neutral","sentiment_score":-0.25782579094171526,"num_words":25,"start":1081.16,"end":1095.555},{"sentences":[{"text":"And look, the prices have just spiked up again, but we do what we do.","start":1096.895,"end":1100.48,"sentiment":"neutral","sentiment_score":-0.10433960258960724},{"text":"Do what we need to do.","start":1100.48,"end":1102.4199,"sentiment":"neutral","sentiment_score":-0.0011108219623565674},{"text":"Yeah.","start":1106.88,"end":1107.38,"sentiment":"neutral","sentiment_score":0.007455676794052124},{"text":"Well, I won't jump into that with you today, but it's definitely something that we shouldn't be importing so many things.","start":1108.48,"end":1115.0149,"sentiment":"neutral","sentiment_score":-0.13058647477910632},{"text":"But maybe one day.","start":1115.0149,"end":1117.2549,"sentiment":"neutral","sentiment_score":-0.053630005568265915}],"sentiment":"neutral","sentiment_score":-0.09619445290337218,"num_words":47,"start":1096.895,"end":1117.2549},{"sentences":[{"text":"Give it a generation or three, and they might wake up.","start":1117.2549,"end":1119.9149,"sentiment":"neutral","sentiment_score":0.011256892911412499},{"text":"Speaking of generations, Chris, I had your your partner listed to go on to the beneficiary nominations for the life insurance and the super.","start":1123.495,"end":1132.7899,"sentiment":"neutral","sentiment_score":0.09217188848803441},{"text":"I did mention at the start of the call that I can prefill the forms for you.","start":1134.69,"end":1138.515,"sentiment":"neutral","sentiment_score":0.08520987564150025},{"text":"So just because it is a recorded line, what I'll do is sorry for reasking information that we already know.","start":1140.435,"end":1148.055,"sentiment":"neutral","sentiment_score":-0.06730280611664057},{"text":"But if I can grab her full legal name, date of birth, and if she's at the same address, I can put all that on there for you.","start":1148.595,"end":1157.37,"sentiment":"neutral","sentiment_score":0.034567286393472126}],"sentiment":"neutral","sentiment_score":0.03406346928328276,"num_words":100,"start":1117.2549,"end":1157.37},{"sentences":[{"text":"Elizabeth Lawrence Hanson.","start":1161.35,"end":1164.8099,"sentiment":"neutral","sentiment_score":0.008527043585975965},{"text":"Yep.","start":1175.3251,"end":1175.645,"sentiment":"neutral","sentiment_score":0.035380758345127106},{"text":"09/25/1972.","start":1175.645,"end":1177.645,"sentiment":"neutral","sentiment_score":0.026143014430999756},{"text":"Elizabeth Florence Hanson.","start":1177.645,"end":1179.745,"sentiment":"neutral","sentiment_score":0.03859207654992739},{"text":"And what we were doing is putting her as a 100% legally binding and non lapsing so it doesn't expire.","start":1180.125,"end":1190.2899,"sentiment":"neutral","sentiment_score":0.13149575218558313}],"sentiment":"neutral","sentiment_score":0.10117129203198212,"num_words":28,"start":1161.35,"end":1190.2899},{"sentences":[{"text":"Cool.","start":1192.6699,"end":1193.1699,"sentiment":"positive","sentiment_score":0.7986642122268677},{"text":"There is one last thing that I'll let you know.","start":1193.7899,"end":1196.69,"sentiment":"neutral","sentiment_score":0.250518299639225},{"text":"There's some reminders in there about wills and powers of attorney and everything.","start":1197.175,"end":1200.155,"sentiment":"neutral","sentiment_score":0.08298709988594055},{"text":"With the investments, I did have a look at I spoke to you about possibly looking at an SMA bubble structure so that we can make changes throughout the year.","start":1202.6951,"end":1212.75,"sentiment":"neutral","sentiment_score":0.10232509337365628},{"text":"The comparison didn't look very good in terms of capital gains tax for the super and the way the performance was looking.","start":1213.71,"end":1220.13,"sentiment":"neutral","sentiment_score":-0.02047662487761541}],"sentiment":"neutral","sentiment_score":0.09213087580313808,"num_words":76,"start":1192.6699,"end":1220.13},{"sentences":[{"text":"So if we need to change anything again at the next review, I'd have to just update this plan with anything else that we wanna do.","start":1220.75,"end":1227.735,"sentiment":"neutral","sentiment_score":0.04255410326788059},{"text":"If it does swing into first position, then I'll probably look at switching you into that so it's a bit easier throughout the year.","start":1228.455,"end":1235.755,"sentiment":"neutral","sentiment_score":0.19525923517843088},{"text":"But at this point, it's a bit of an engine tune rather than switching vehicles.","start":1236.215,"end":1240.075,"sentiment":"neutral","sentiment_score":-0.06608010455965996},{"text":"Cool.","start":1242.295,"end":1242.795,"sentiment":"neutral","sentiment_score":0.25249892473220825},{"text":"The only other one that's in there as well is the service agreement for us to remain advisers on hub.","start":1243.95,"end":1250.75,"sentiment":"neutral","sentiment_score":0.11096017882227897}],"sentiment":"neutral","sentiment_score":0.08457127048872239,"num_words":86,"start":1220.75,"end":1250.75},{"sentences":[{"text":"So, obviously, we can't touch anything unless we have consent, and our fees are still the same, the 1.65% on there as well.","start":1250.75,"end":1260.725,"sentiment":"neutral","sentiment_score":0.060259500842379486},{"text":"Cool.","start":1262.385,"end":1262.885,"sentiment":"neutral","sentiment_score":0.26851898431777954},{"text":"So pre fill the beneficiary nominations for one path and hub twenty four.","start":1263.345,"end":1269.605,"sentiment":"neutral","sentiment_score":0.1606181304042156},{"text":"Once you get that one signed, we do the investment switches online for you, usually on a Friday.","start":1271.505,"end":1278.78,"sentiment":"neutral","sentiment_score":0.1389440182182524},{"text":"Might not get it in for tomorrow unless we sign today, but it might be next week.","start":1279.0,"end":1282.8601,"sentiment":"neutral","sentiment_score":0.04928145689122817}],"sentiment":"neutral","sentiment_score":0.0983513929725935,"num_words":72,"start":1250.75,"end":1282.8601},{"sentences":[{"text":"I will send you the contribution details to start putting the $20 into the super.","start":1284.92,"end":1291.925,"sentiment":"neutral","sentiment_score":0.1729845275481542},{"text":"What will basically happen from there is that in June, we'll give you a call to let you know sort of how much has gone in, and there's, like, a one one form that can claim it all as a tax deduction.","start":1292.145,"end":1306.3301,"sentiment":"neutral","sentiment_score":0.11611250681536538},{"text":"So what we basically do is just let the $20 come in.","start":1306.3301,"end":1309.05,"sentiment":"neutral","sentiment_score":0.10030028906961282},{"text":"And then come June after the financial year ends, you sign that form to claim it.","start":1309.05,"end":1314.11,"sentiment":"neutral","sentiment_score":0.07305930135771632},{"text":"We send it to the superfund.","start":1314.3301,"end":1315.71,"sentiment":"neutral","sentiment_score":0.12235255911946297}],"sentiment":"neutral","sentiment_score":0.11624352576640937,"num_words":91,"start":1284.92,"end":1315.71},{"sentences":[{"text":"They tell the tax office that we're claiming it, and they give you a confirmation letter to bring to your for your tax return to be completed.","start":1316.41,"end":1324.475,"sentiment":"neutral","sentiment_score":0.1489354877008332},{"text":"Cool.","start":1326.855,"end":1327.335,"sentiment":"neutral","sentiment_score":0.2710287868976593},{"text":"Does that make sense?","start":1327.335,"end":1328.375,"sentiment":"neutral","sentiment_score":0.15759654715657234},{"text":"I know it's a bit of a process.","start":1328.375,"end":1330.075,"sentiment":"neutral","sentiment_score":-0.020057551213540137},{"text":"Perfect.","start":1333.12,"end":1333.62,"sentiment":"neutral","sentiment_score":0.17832115292549133}],"sentiment":"neutral","sentiment_score":0.12050082650399063,"num_words":41,"start":1316.41,"end":1333.62},{"sentences":[{"text":"Yeah.","start":1334.08,"end":1334.58,"sentiment":"neutral","sentiment_score":0.05018343776464462},{"text":"Oh, cool.","start":1338.3999,"end":1338.7999,"sentiment":"neutral","sentiment_score":0.21887896955013275},{"text":"Do you feel like I've explained it in a way that makes sense?","start":1338.7999,"end":1341.38,"sentiment":"neutral","sentiment_score":0.14409995422913477},{"text":"Awesome.","start":1343.6799,"end":1344.1799,"sentiment":"positive","sentiment_score":0.5532900094985962},{"text":"That's what we're here for.","start":1344.7151,"end":1345.5951,"sentiment":"positive","sentiment_score":0.35691946744918823}],"sentiment":"neutral","sentiment_score":0.21359673311764543,"num_words":22,"start":1334.08,"end":1345.5951},{"sentences":[{"text":"Again, like, I'm not trying to turn you into a stock broker or a fund manager, but I just wanna make sure, you know, you're happy with what we're doing with your money.","start":1345.5951,"end":1353.295,"sentiment":"neutral","sentiment_score":-0.0384081253979468},{"text":"So better on the verbals than than the reading.","start":1366.4099,"end":1368.99,"sentiment":"neutral","sentiment_score":-0.03453662743171056},{"text":"Yep.","start":1370.09,"end":1370.59,"sentiment":"neutral","sentiment_score":0.06518816202878952},{"text":"Cool.","start":1371.0499,"end":1371.5499,"sentiment":"neutral","sentiment_score":0.20970404148101807},{"text":"So I'll make sure that we never send you a document out willy nilly for you to sort of sign without someone at least talking you through it to make sure that, you know, everything's above board.","start":1372.245,"end":1380.8251,"sentiment":"neutral","sentiment_score":0.06846493653751709}],"sentiment":"neutral","sentiment_score":0.015182679881238274,"num_words":81,"start":1345.5951,"end":1380.8251},{"sentences":[{"text":"Awesome, Chris.","start":1384.5651,"end":1385.4451,"sentiment":"positive","sentiment_score":0.6521536409854889},{"text":"Mate, it's been a pleasure this morning.","start":1385.4451,"end":1387.285,"sentiment":"positive","sentiment_score":0.783887939793723},{"text":"That's pretty much everything I had to go over with you.","start":1387.285,"end":1389.78,"sentiment":"positive","sentiment_score":0.5173639492555098},{"text":"It's just the plan.","start":1389.78,"end":1390.84,"sentiment":"neutral","sentiment_score":0.30666613578796387},{"text":"We'll send you out those beneficiary forms, contribution details.","start":1390.98,"end":1394.2,"sentiment":"neutral","sentiment_score":0.1950727038913303}],"sentiment":"positive","sentiment_score":0.46863167213671136,"num_words":33,"start":1384.5651,"end":1394.2},{"sentences":[{"text":"Any questions for me?","start":1394.9,"end":1396.28,"sentiment":"neutral","sentiment_score":0.05753419082611799},{"text":"Amazing.","start":1400.34,"end":1400.84,"sentiment":"positive","sentiment_score":0.4450199902057648},{"text":"Again, I've put all this down on the file.","start":1401.355,"end":1403.355,"sentiment":"neutral","sentiment_score":0.32146595584021675},{"text":"So if anyone calls up with any questions, we've got all the information about what we spoke about.","start":1403.355,"end":1407.695,"sentiment":"neutral","sentiment_score":0.2289291156662835},{"text":"And from there, the team will basically just reach out with some updates and reminders as we go through.","start":1407.835,"end":1413.695,"sentiment":"neutral","sentiment_score":0.20971652002711044}],"sentiment":"neutral","sentiment_score":0.2288958493839292,"num_words":51,"start":1394.9,"end":1413.695},{"sentences":[{"text":"Awesome, mate.","start":1416.57,"end":1417.95,"sentiment":"positive","sentiment_score":0.808080792427063},{"text":"Alrighty.","start":1418.0099,"end":1418.5099,"sentiment":"positive","sentiment_score":0.5965185165405273},{"text":"I will let you go.","start":1418.57,"end":1419.61,"sentiment":"positive","sentiment_score":0.5489264607429505},{"text":"Thank you so much for your time today.","start":1419.61,"end":1421.23,"sentiment":"positive","sentiment_score":0.766881674528122},{"text":"Absolutely, Chris.","start":1429.575,"end":1430.215,"sentiment":"positive","sentiment_score":0.6655914783477783}],"sentiment":"positive","sentiment_score":0.6901971532238854,"num_words":18,"start":1416.57,"end":1430.215},{"sentences":[{"text":"And, look, thank you so much for calling back in as well.","start":1430.215,"end":1432.215,"sentiment":"positive","sentiment_score":0.7104052056868871},{"text":"Appreciate that.","start":1432.215,"end":1433.115,"sentiment":"positive","sentiment_score":0.702020138502121},{"text":"Alright, mate.","start":1435.1749,"end":1435.735,"sentiment":"positive","sentiment_score":0.40194815397262573},{"text":"See you later.","start":1435.735,"end":1436.2949,"sentiment":"positive","sentiment_score":0.46093987425168353},{"text":"Thank you so much.","start":1436.2949,"end":1437.2749,"sentiment":"positive","sentiment_score":0.6669955849647522}],"sentiment":"positive","sentiment_score":0.6427652615567913,"num_words":23,"start":1430.215,"end":1437.2749},{"sentences":[{"text":"Bye.","start":1438.615,"end":1439.115,"sentiment":"neutral","sentiment_score":-0.09901473671197893}],"sentiment":"neutral","sentiment_score":-0.09901473671197893,"num_words":1,"start":1438.615,"end":1439.115}]}}]},{"alternatives":[{"transcript":"That's all. I've missed it by a hair of it. Of my chin itch insurance. I was I was thinking of something to say but without being rude and disgusting. No. No. Well, that's why I paused for a minute. Hang on. We are being recorded. We are gotta be polite and what have you. Probably just give me a bit of a walk through because I don't understand half of it. But if you know how you guys do trades for me, and then you send through the outcome. See, I don't understand how how to read that either. So I don't know if we've made money or lost money or I mean, it's like that's what I mean. Yep. Yep. No. No. That's fine. Look. I don't really take a lot of time. I'm not a great reader as a as a rule, if that makes sense. Not one of my four pages at school. I thought unfortunately, my girls have got a different outlook. I love reading, so that's it. They're gonna get that to me. Got that. Yeah. So so if that makes any sense. So I'm I'm going basically by your skill and and knowledge of what you do and what have you. So I'm fully happy for what you guys do. Yes. Basically. I'll put it this way. I haven't lost any money yet. So I've got I I I I do watch it. It's worse than a year. Yeah, mate. Oh, well, that's right. But Pumps Pumps just gotta keep his mouth shut, and we'll be fine. Yes. As I said, as long as Plum keeps his mouth shut, we're alright. Yes. Yeah. Yep. Well, I can give you a really, really good that's never gonna happen. Yep. Yeah. I feel like I keep forgetting I keep I keep forgetting to do something about that. That's my fault. That's my day. Yep. Yeah. Okay. Forgetting that. Again? Is there an electronic one? Yep. Okay. Okay. Yep. Yep. Yeah. Well, they they were going, like, basically, $303,100,000 takes care of the mortgage, thereabouts. And it just kept going up to $45,500. And as I said, I think I just just wanted to cover the mortgages. So if the mortgage is covered, the wife doesn't have to worry about that. And then and then she yeah. She gets to keep a super as such. Yes. Yep. Yep. Yeah. Yeah. No worries. Yep. And what yeah. And what what's the the payout on that free cap if I did pay it again? What would be the monetary value on that? I haven't seen that yet. Yep. It's a big it's a big difference. Yeah. And now you guys looked into other insurance companies, and they're still the most economical? Yeah. I can. Mhmm. Yep. Yep. Yep. Okay. Yes. Okay. Yep. Yep. Yep. Yep. Yeah. I can. Because before I yeah. Yeah. It does. Before I was jumped over to you guys, I was with the Australian Super. And over the years, that just kept growing without me putting stuff in. And it got up to the 60 odd thousand without doing anything. And I I yes. Yeah. Well, that's when I that's when I looked at it and gone, oh, hang on. Insurance premium is basically taking everything that I issue. Yeah. We're we're Australian as I said, we're Australian, so we're still making money except for the insurance fees. That's when it sort of didn't go backwards a little bit, but it sort of, I think, evened out. It was the same amount of from the year before. Yep. Yes. Yeah. Yep. No. That's right. And any and any more is a bonus. Yep. Okay. Yep. Yep. Yeah. Yeah. No. No. I I understand that totally. Okay. Yes. Yep. Yeah. No worries. If we if we jumped on the globe when we first started, we'd be multimillionaires now. Yep. Yes, ma'am. Okay. No worries. Now quick question with it. Talk about battery and technologies. With the I'm not sure if it's next year or the year after. With the federal legislation they're gonna start. Someone mentioned about a fee. Okay. Not not not no. Something different. It's more of a it's like a tax on it, but it's a no. I forget what it was. Like, is it 3¢ per kilometer if you use over so much going on to your when when you do your rego, you've gotta put how many k's you've done for the year. Federal. No. No. No. No. No. It's more yeah. No. It's more like, if you go battery, they're gonna need to a levy. That's the word I'm looking for, levy on the EVs and things like even the hybrids are gonna get charged some as well. It just have a would that would that affect the purchases of the EVs and things like that? Yep. Yeah. No. That's alright. I just thought I'd I don't know if you if you heard about it or not. I'm just that's something that you could possibly factor into, obviously, battery technology and stuff like that. Yeah. Yeah. Yes. No. No. Yep. Yeah. Because I've just someone's suggested that and that's why. Because there's another guy now. He's actually just bought an electric van to run himself around with his work. Okay. He's saving a lot on fuel, but I think three days out of the five, he's gotta sit there and charge himself for an hour because he's gotten yeah. What does that No. Excuse me. So he charges at night, but by the time he'd lost to charge it off peak, of course, as well. But he starts ridiculous sales like I do at anywhere between twelve and two in the morning, I believe. And it's just he's off peak charging doesn't get him to charge it probably, but then he lose out of power. He said, oh, I should get one. This is him. I should get one. I said, mate, well, one, every second or say every Friday, I'll go up to Aubrey And Beck. There's 800 kilometers before I start. And there's occasionally there's a job where I go all the way up to, Gungaguy, up near the ACT border, and that's a 1,200 k turnaround for the day. Well, I don't know. So they it's me driving my own vehicle. No. No. It wouldn't be wouldn't be viable as a vehicle. Yeah. In a barbed or canoe. And you'd you'd almost have to carry a generator with you. Well, there has been a meme on Facebook where a bloke drives a Tesla stuck in a traffic jam. He's got his generator in the boot. You know, I'm charging his car while he's sitting there. Yeah. Yeah. Look. I've had I've had cars go past me, and you can't hear them until they're right next to you, which is pretty scary. Yeah. Yes. So I don't think I'll be getting one in a hurry. No. It even though diesel costs a small portion, I'm still sticking to diesel. Yes. Exactly. We need to invest in a refinery. Yes. Yes. Alright. Yep. Yes. Yes. Is that the same address? Elizabeth Florence Hanson? Yep. Today is the twenty fifth September seventy two nineteen seventy two. Yep. Beautiful. Yep. Yep. Yep. Yep. Yep. No worries. Yep. Yep. Yep. Yep. Okay. No worries. Yes. Yeah. No. No. I don't. No. No. I understand that. I understand things if things are explained to me. Yes. Yeah. Yeah. Yeah. Yeah. It does. Yeah. No. No. No. No. No. No. You know, or it's a was it auditory processing? I have a I think I believe I haven't been diagnosed, but my daughter has. So I I believe I've got that myself. Yes. Yes. Yes. Yep. Yeah. No worries. Yep. No. I don't think so. I think I've asked them as I went. Yep. Yep. I thank you very much. As I said, I'm glad I got you before he got into something else. Yeah. Not a problem. Yep. Thanks, Tom. 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all. I've missed it by a hair of it. Of my chin itch insurance. I was I was thinking of something to say but without being rude and disgusting. No.\n\nNo. Well, that's why I paused for a minute. Hang on. We are being recorded. We are gotta be polite and what have you.\n\nProbably just give me a bit of a walk through because I don't understand half of it. But if you know how you guys do trades for me, and then you send through the outcome. See, I don't understand how how to read that either. So I don't know if we've made money or lost money or I mean, it's like that's what I mean. Yep.\n\nYep. No. No. That's fine. Look.\n\nI don't really take a lot of time. I'm not a great reader as a as a rule, if that makes sense. Not one of my four pages at school. I thought unfortunately, my girls have got a different outlook. I love reading, so that's it.\n\nThey're gonna get that to me. Got that. Yeah. So so if that makes any sense. So I'm I'm going basically by your skill and and knowledge of what you do and what have you.\n\nSo I'm fully happy for what you guys do. Yes. Basically. I'll put it this way. I haven't lost any money yet.\n\nSo I've got I I I I do watch it. It's worse than a year. Yeah, mate. Oh, well, that's right. But Pumps Pumps just gotta keep his mouth shut, and we'll be fine.\n\nYes. As I said, as long as Plum keeps his mouth shut, we're alright. Yes. Yeah. Yep.\n\nWell, I can give you a really, really good that's never gonna happen. Yep. Yeah. I feel like I keep forgetting I keep I keep forgetting to do something about that. That's my fault.\n\nThat's my day. Yep. Yeah. Okay. Forgetting that.\n\nAgain? Is there an electronic one? Yep. Okay. Okay.\n\nYep. Yep. Yeah. Well, they they were going, like, basically, $303,100,000 takes care of the mortgage, thereabouts. And it just kept going up to $45,500.\n\nAnd as I said, I think I just just wanted to cover the mortgages. So if the mortgage is covered, the wife doesn't have to worry about that. And then and then she yeah. She gets to keep a super as such. Yes.\n\nYep. Yep. Yeah. Yeah. No worries.\n\nYep. And what yeah. And what what's the the payout on that free cap if I did pay it again? What would be the monetary value on that? I haven't seen that yet.\n\nYep. It's a big it's a big difference. Yeah. And now you guys looked into other insurance companies, and they're still the most economical? Yeah.\n\nI can. Mhmm. Yep. Yep. Yep.\n\nOkay. Yes. Okay. Yep. Yep.\n\nYep. Yep. Yeah. I can. Because before I yeah.\n\nYeah. It does. Before I was jumped over to you guys, I was with the Australian Super. And over the years, that just kept growing without me putting stuff in. And it got up to the 60 odd thousand without doing anything.\n\nAnd I I yes. Yeah. Well, that's when I that's when I looked at it and gone, oh, hang on. Insurance premium is basically taking everything that I issue. Yeah.\n\nWe're we're Australian as I said, we're Australian, so we're still making money except for the insurance fees. That's when it sort of didn't go backwards a little bit, but it sort of, I think, evened out. It was the same amount of from the year before. Yep. Yes.\n\nYeah. Yep. No. That's right. And any and any more is a bonus.\n\nYep. Okay. Yep. Yep. Yeah.\n\nYeah. No. No. I I understand that totally. Okay.\n\nYes. Yep. Yeah. No worries. If we if we jumped on the globe when we first started, we'd be multimillionaires now.\n\nYep. Yes, ma'am. Okay. No worries. Now quick question with it.\n\nTalk about battery and technologies. With the I'm not sure if it's next year or the year after. With the federal legislation they're gonna start. Someone mentioned about a fee. Okay.\n\nNot not not no. Something different. It's more of a it's like a tax on it, but it's a no. I forget what it was. Like, is it 3¢ per kilometer if you use over so much going on to your when when you do your rego, you've gotta put how many k's you've done for the year.\n\nFederal. No. No. No. No.\n\nNo. It's more yeah. No. It's more like, if you go battery, they're gonna need to a levy. That's the word I'm looking for, levy on the EVs and things like even the hybrids are gonna get charged some as well.\n\nIt just have a would that would that affect the purchases of the EVs and things like that? Yep. Yeah. No. That's alright.\n\nI just thought I'd I don't know if you if you heard about it or not. I'm just that's something that you could possibly factor into, obviously, battery technology and stuff like that. Yeah. Yeah. Yes.\n\nNo. No. Yep. Yeah. Because I've just someone's suggested that and that's why.\n\nBecause there's another guy now. He's actually just bought an electric van to run himself around with his work. Okay. He's saving a lot on fuel, but I think three days out of the five, he's gotta sit there and charge himself for an hour because he's gotten yeah. What does that No.\n\nExcuse me. So he charges at night, but by the time he'd lost to charge it off peak, of course, as well. But he starts ridiculous sales like I do at anywhere between twelve and two in the morning, I believe. And it's just he's off peak charging doesn't get him to charge it probably, but then he lose out of power. He said, oh, I should get one.\n\nThis is him. I should get one. I said, mate, well, one, every second or say every Friday, I'll go up to Aubrey And Beck. There's 800 kilometers before I start. And there's occasionally there's a job where I go all the way up to, Gungaguy, up near the ACT border, and that's a 1,200 k turnaround for the day.\n\nWell, I don't know. So they it's me driving my own vehicle. No. No. It wouldn't be wouldn't be viable as a vehicle.\n\nYeah. In a barbed or canoe. And you'd you'd almost have to carry a generator with you. Well, there has been a meme on Facebook where a bloke drives a Tesla stuck in a traffic jam. He's got his generator in the boot.\n\nYou know, I'm charging his car while he's sitting there. Yeah. Yeah. Look. I've had I've had cars go past me, and you can't hear them until they're right next to you, which is pretty scary.\n\nYeah. Yes. So I don't think I'll be getting one in a hurry. No. It even though diesel costs a small portion, I'm still sticking to diesel.\n\nYes. Exactly. We need to invest in a refinery. Yes. Yes.\n\nAlright. Yep. Yes. Yes. Is that the same address?\n\nElizabeth Florence Hanson? Yep. Today is the twenty fifth September seventy two nineteen seventy two. Yep. Beautiful.\n\nYep. Yep. Yep. Yep. Yep.\n\nNo worries. Yep. Yep. Yep. Yep.\n\nOkay. No worries. Yes. Yeah. No.\n\nNo. I don't. No. No. I understand that.\n\nI understand things if things are explained to me. Yes. Yeah. Yeah. Yeah.\n\nYeah. It does. Yeah. No. No.\n\nNo. No. No. No. You know, or it's a was it auditory processing?\n\nI have a I think I believe I haven't been diagnosed, but my daughter has. So I I believe I've got that myself. Yes. Yes. Yes.\n\nYep. Yeah. No worries. Yep. No.\n\nI don't think so. I think I've asked them as I went. Yep. Yep. I thank you very much.\n\nAs I said, I'm glad I got you before he got into something else. Yeah. Not a problem. Yep. Thanks, Tom.\n\nBye.","paragraphs":[{"sentences":[{"text":"That's all.","start":6.3999996,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.30142897367477417},{"text":"I've missed it by a hair of it.","start":6.8799996,"end":9.46,"sentiment":"neutral","sentiment_score":-0.016093031343189068},{"text":"Of my chin itch insurance.","start":10.08,"end":11.3,"sentiment":"negative","sentiment_score":-0.3475662529468536},{"text":"I was I was thinking of something to say but without being rude and disgusting.","start":12.415,"end":16.755001,"sentiment":"neutral","sentiment_score":-0.2587215542793274},{"text":"No.","start":21.455,"end":21.695,"sentiment":"neutral","sentiment_score":-0.0653819590806961}],"sentiment":"neutral","sentiment_score":-0.16806202714196256,"num_words":31,"start":6.3999996,"end":21.695},{"sentences":[{"text":"No.","start":21.695,"end":21.855,"sentiment":"neutral","sentiment_score":-0.06465911865234375},{"text":"Well, that's why I paused for a 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don't understand how how to read that either.","start":54.96,"end":57.7,"sentiment":"neutral","sentiment_score":-0.22070747688412667},{"text":"So I don't know if we've made money or lost money or I mean, it's like that's what I mean.","start":60.96,"end":66.5,"sentiment":"neutral","sentiment_score":-0.18723277524113655},{"text":"Yep.","start":69.285,"end":69.785,"sentiment":"neutral","sentiment_score":0.07361041754484177}],"sentiment":"neutral","sentiment_score":-0.07986448755995794,"num_words":66,"start":41.495003,"end":69.785},{"sentences":[{"text":"Yep.","start":76.8075,"end":77.3075,"sentiment":"neutral","sentiment_score":0.09022136777639388},{"text":"No.","start":86.17,"end":86.41,"sentiment":"neutral","sentiment_score":-0.110694020986557},{"text":"No.","start":86.41,"end":86.57,"sentiment":"neutral","sentiment_score":-0.10470949113368988},{"text":"That's fine.","start":86.57,"end":86.97,"sentiment":"neutral","sentiment_score":-0.08928200230002403},{"text":"Look.","start":86.97,"end":87.47,"sentiment":"neutral","sentiment_score":-0.2259577363729477}],"sentiment":"neutral","sentiment_score":-0.08828398088614146,"num_words":6,"start":76.8075,"end":87.47},{"sentences":[{"text":"I don't really take a lot of time.","start":87.61,"end":89.87,"sentiment":"neutral","sentiment_score":-0.3283366784453392},{"text":"I'm not a great reader as a as a rule, if that makes sense.","start":90.01,"end":97.07,"sentiment":"neutral","sentiment_score":-0.2786571660212108},{"text":"Not one of my four pages at school.","start":100.134995,"end":102.075,"sentiment":"neutral","sentiment_score":-0.2500903345644474},{"text":"I thought unfortunately, my girls have got a different outlook.","start":104.055,"end":109.354996,"sentiment":"neutral","sentiment_score":-0.276566369831562},{"text":"I love reading, so that's 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worries.","start":405.15,"end":405.72998,"sentiment":"neutral","sentiment_score":0.12645450606942177}],"sentiment":"neutral","sentiment_score":0.10729775329430898,"num_words":6,"start":393.475,"end":405.72998},{"sentences":[{"text":"Yep.","start":419.475,"end":419.975,"sentiment":"neutral","sentiment_score":0.00511603569611907},{"text":"And what yeah.","start":426.96002,"end":427.92,"sentiment":"neutral","sentiment_score":-0.05246024206280708},{"text":"And what what's the the payout on that free cap if I did pay it again?","start":427.92,"end":433.04,"sentiment":"neutral","sentiment_score":-0.047069764230400324},{"text":"What would be the monetary value on that?","start":433.04,"end":436.815,"sentiment":"neutral","sentiment_score":-0.029695075703784823},{"text":"I haven't seen that 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does.","start":1341.91,"end":1342.47,"sentiment":"neutral","sentiment_score":0.18914926052093506},{"text":"Yeah.","start":1342.47,"end":1342.97,"sentiment":"neutral","sentiment_score":0.2695475220680237},{"text":"No.","start":1347.4299,"end":1347.6699,"sentiment":"neutral","sentiment_score":-0.12248142063617706},{"text":"No.","start":1347.6699,"end":1347.91,"sentiment":"neutral","sentiment_score":-0.12487336993217468}],"sentiment":"neutral","sentiment_score":0.08941564212242763,"num_words":6,"start":1341.83,"end":1347.91},{"sentences":[{"text":"No.","start":1347.91,"end":1348.41,"sentiment":"neutral","sentiment_score":-0.08120424300432205},{"text":"No.","start":1349.425,"end":1349.505,"sentiment":"neutral","sentiment_score":-0.11118939518928528},{"text":"No.","start":1349.505,"end":1349.665,"sentiment":"neutral","sentiment_score":-0.1684015393257141},{"text":"No.","start":1349.665,"end":1350.165,"sentiment":"neutral","sentiment_score":-0.18084025382995603},{"text":"You know, or it's a was it auditory processing?","start":1353.665,"end":1356.9651,"sentiment":"neutral","sentiment_score":0.000677179027762678}],"sentiment":"neutral","sentiment_score":-0.041195447699954875,"num_words":13,"start":1347.91,"end":1356.9651},{"sentences":[{"text":"I have a I think I believe I haven't been diagnosed, but my daughter has.","start":1357.425,"end":1361.905,"sentiment":"neutral","sentiment_score":-0.09576950867970785},{"text":"So I I believe I've got that myself.","start":1361.905,"end":1366.28,"sentiment":"neutral","sentiment_score":-0.05797839676961303},{"text":"Yes.","start":1369.06,"end":1369.54,"sentiment":"neutral","sentiment_score":0.028398051857948303},{"text":"Yes.","start":1369.54,"end":1370.04,"sentiment":"neutral","sentiment_score":0.04598448425531387},{"text":"Yes.","start":1370.18,"end":1370.68,"sentiment":"neutral","sentiment_score":0.1280730664730072}],"sentiment":"neutral","sentiment_score":-0.0653043923756251,"num_words":26,"start":1357.425,"end":1370.68},{"sentences":[{"text":"Yep.","start":1378.66,"end":1379.025,"sentiment":"neutral","sentiment_score":0.07071463018655777},{"text":"Yeah.","start":1382.225,"end":1382.465,"sentiment":"neutral","sentiment_score":0.1014263927936554},{"text":"No worries.","start":1382.465,"end":1383.2051,"sentiment":"neutral","sentiment_score":0.23053883761167526},{"text":"Yep.","start":1393.665,"end":1394.165,"sentiment":"neutral","sentiment_score":0.10367125272750854},{"text":"No.","start":1396.8099,"end":1397.3099,"sentiment":"neutral","sentiment_score":-0.08997781574726105}],"sentiment":"neutral","sentiment_score":0.10781868919730186,"num_words":6,"start":1378.66,"end":1397.3099},{"sentences":[{"text":"I don't think so.","start":1397.37,"end":1398.09,"sentiment":"neutral","sentiment_score":-0.1386851742863655},{"text":"I think I've asked them as I went.","start":1398.09,"end":1399.71,"sentiment":"neutral","sentiment_score":-0.03196117654442787},{"text":"Yep.","start":1408.09,"end":1408.59,"sentiment":"neutral","sentiment_score":0.003088632132858038},{"text":"Yep.","start":1420.6849,"end":1421.1849,"sentiment":"positive","sentiment_score":0.5519653558731079},{"text":"I thank you very much.","start":1422.0449,"end":1423.345,"sentiment":"positive","sentiment_score":0.7688404202461243}],"sentiment":"neutral","sentiment_score":0.18888557788082644,"num_words":19,"start":1397.37,"end":1423.345},{"sentences":[{"text":"As I said, I'm glad I got you before he got into something else.","start":1423.8,"end":1427.26,"sentiment":"positive","sentiment_score":0.4798231359039034},{"text":"Yeah.","start":1433.0,"end":1433.5,"sentiment":"positive","sentiment_score":0.35031017661094666},{"text":"Not a problem.","start":1433.56,"end":1434.38,"sentiment":"positive","sentiment_score":0.40718866388003033},{"text":"Yep.","start":1436.52,"end":1436.92,"sentiment":"positive","sentiment_score":0.4989060163497925},{"text":"Thanks, Tom.","start":1436.92,"end":1437.7201,"sentiment":"positive","sentiment_score":0.6673298478126526}],"sentiment":"positive","sentiment_score":0.48204598966098966,"num_words":21,"start":1423.8,"end":1437.7201},{"sentences":[{"text":"Bye.","start":1437.7201,"end":1438.2201,"sentiment":"positive","sentiment_score":0.4425143897533417}],"sentiment":"positive","sentiment_score":0.4425143897533417,"num_words":1,"start":1437.7201,"end":1438.2201}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Chris. You're through to Tommy, mate. Thank you so much for calling back in.\n\nChannel 1: That's all. I've missed it by a hair of it. Of my\n\nChannel 0: That's\n\nChannel 1: chin itch\n\nChannel 0: always\n\nChannel 1: insurance.\n\nChannel 0: the way. That's always\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: was\n\nChannel 0: way.\n\nChannel 1: I was thinking of something to say but without being rude and disgusting.\n\nChannel 0: No. That's fine. The calls are recorded, but you can have a bit of fun with it sometimes.\n\nChannel 1: No. No. Well, that's why I paused for a minute. Hang on. We are being recorded.\n\nWe are gotta be polite and what have you.\n\nChannel 0: Oh, that's good, mate. I've got this this plan ready to send through to you. Will you be able to look onto the email with me today, or should I just give you a bit of a walk through?\n\nChannel 1: Probably just give me a bit of a walk through because I don't understand half of it. But if you know how you guys do trades for me, and then you send through the outcome.\n\nChannel 0: Yes. Yep. Right.\n\nChannel 1: See, I don't understand how how to read that either. So I don't know if we've made money or lost money or I mean,\n\nChannel 0: Perfect.\n\nChannel 1: it's like that's what I mean.\n\nChannel 0: No. That's fine. So what I'll do today, I'll let you know\n\nChannel 1: Yep.\n\nChannel 0: obviously, what documents are coming through to you. I'll give you a kind of a rundown of what I'm wanting to do and why. See if you do\n\nChannel 1: Yep.\n\nChannel 0: have any questions. I do wanna make sure it makes enough sense that you can, you know, give informed consent at least, and then we can take care of it from there.\n\nChannel 1: No. No. That's fine. Look. I don't really take a lot of time.\n\nI'm not a great reader as\n\nChannel 0: Yep.\n\nChannel 1: a as a rule, if that makes sense.\n\nChannel 0: Absolutely.\n\nChannel 1: Not one of my four pages at school. I thought unfortunately, my girls have got a different outlook. I love\n\nChannel 0: Yep.\n\nChannel 1: reading, so that's it. They're gonna get that to me. Got that.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. So so if that makes any sense.\n\nChannel 0: Absolutely.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: I'm I'm\n\nChannel 0: I'll\n\nChannel 1: going\n\nChannel 0: try\n\nChannel 1: basically by your skill and and knowledge of what you do and what have you. So I'm fully happy for what you guys do.\n\nChannel 0: Awesome. So you're placing some some trust in us.\n\nChannel 1: Yes. Basically.\n\nChannel 0: Cool. Now I'm\n\nChannel 1: I'll put it\n\nChannel 0: usually\n\nChannel 1: this way.\n\nChannel 0: pretty\n\nChannel 1: I haven't\n\nChannel 0: good at\n\nChannel 1: lost any money yet. So\n\nChannel 0: no. Look. It does I'm not gonna lie. It does go up and down if you were to watch it\n\nChannel 1: I've\n\nChannel 0: every\n\nChannel 1: got\n\nChannel 0: single day because\n\nChannel 1: I I\n\nChannel 0: stock market\n\nChannel 1: I I do\n\nChannel 0: goes\n\nChannel 1: watch\n\nChannel 0: up\n\nChannel 1: it.\n\nChannel 0: and\n\nChannel 1: It's worse than a year. Yeah, mate.\n\nChannel 0: down. Yeah. And it's just one of the things you know how we use a lot of buzzwords in the industry. Everyone talks about volatility and risk and all these kinds of things. Basically,\n\nChannel 1: Oh, well, that's right.\n\nChannel 0: Basically,\n\nChannel 1: But Pumps Pumps\n\nChannel 0: what\n\nChannel 1: just gotta keep his mouth shut,\n\nChannel 0: pretty\n\nChannel 1: and we'll\n\nChannel 0: much\n\nChannel 1: be fine.\n\nChannel 0: anytime something happens in the news, the market goes up and down a lot higher and lower than it normally does. And when everyone's quiet, it goes a lot smoother, and that's pretty much the game of the stock\n\nChannel 1: Yes. As I said, as long as Plum keeps his mouth shut, we're alright.\n\nChannel 0: market. Pretty much. I'm usually pretty good at at least kind of breaking down what we're doing and why, but I would love to get your feedback if it does make sense.\n\nChannel 1: Yes.\n\nChannel 0: Now just to let you know what I've sent you. So the statement of advice has all of the recommendations, pros and cons, and everything that I'm gonna go through with you, and it has a number of additional attachments. Basically, service guides for Oakview, you know, our privacy policy, licensing details. We've\n\nChannel 1: Yeah.\n\nChannel 0: also got product documents. So every provider, like Hub twenty four, they've got big 500 page product disclosure documents. Whenever they update that, we just send that through to you guys so you've got the latest copy.\n\nChannel 1: Yep.\n\nChannel 0: Not that you're expected to read all 500 pages, but it's there if there is anything that we need to find out.\n\nChannel 1: Well, I can give you a really, really good that's never gonna happen.\n\nChannel 0: Fair enough. Fair enough, Chris. Now when it comes to the advice itself, so the statement of advice talks about the scope of what we are doing versus what we're not doing. And, basically, our conversation was let's just review the investments inside the super to make sure they're good. You were talking about potentially doing just a little bit of contributions into super because you wanted to slowly build it up\n\nChannel 1: Yep.\n\nChannel 0: towards\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: feel\n\nChannel 0: would\n\nChannel 1: like\n\nChannel 0: pay\n\nChannel 1: I\n\nChannel 0: for\n\nChannel 1: keep\n\nChannel 0: the\n\nChannel 1: forgetting\n\nChannel 0: percentage?\n\nChannel 1: I keep I keep forgetting to do something about that. That's my fault. That's my\n\nChannel 0: That's\n\nChannel 1: day.\n\nChannel 0: alright. I've recommended to start with $20 a week because that's what we talked about. And then what I'm gonna do is I'll send you through the details on how to make those contributions through BPAY or EFT, and we'll just slowly talk to you every year about slowly increasing those as your cash flow allows.\n\nChannel 1: Yep.\n\nChannel 0: K? Now, obviously, the benefit of that, tax rates in super are 15%. You get more in there. It's gonna start to grow, and it's not gonna go, you\n\nChannel 1: Yeah.\n\nChannel 0: know, backwards from all the premiums and fees and all that kind of thing. We did have a chat around beneficiary nominations, getting someone listed on the super,\n\nChannel 1: Okay. Forgetting\n\nChannel 0: wills and\n\nChannel 1: that.\n\nChannel 0: powers of attorney. That's fine. I'm gonna send you the forms out. That's no worries at\n\nChannel 1: Again?\n\nChannel 0: all.\n\nChannel 1: Is there an electronic one?\n\nChannel 0: Most of them are electronic. The only ones that we can't do are beneficiary nominations because they're legal documents.\n\nChannel 1: Yep. Okay.\n\nChannel 0: But I can prefill that for you at the end of the call.\n\nChannel 1: Okay.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: For the insurances, so we we essentially wanted to make sure that, you know, your mortgage is covered. You've got a $100,000 of insurances for each of your daughters. And so we were looking to trim down your life and disability insurance to get the fees down\n\nChannel 1: Yep.\n\nChannel 0: a bit because they were getting pretty expensive if that rings a bell.\n\nChannel 1: Yeah. Well, they they were going, like, basically, $303,100,000 takes care of the mortgage, thereabouts. And it just kept going up to $45,500. And as I said, I think I just just wanted to cover the mortgages. So if the mortgage is covered, the wife doesn't have to worry about that.\n\nChannel 0: Yeah. And\n\nChannel 1: And\n\nChannel 0: that's\n\nChannel 1: then\n\nChannel 0: one of the things\n\nChannel 1: and\n\nChannel 0: I've\n\nChannel 1: then\n\nChannel 0: done\n\nChannel 1: she\n\nChannel 0: too.\n\nChannel 1: yeah. She gets to keep a super as such.\n\nChannel 0: Untouched. Yep. So\n\nChannel 1: Yes.\n\nChannel 0: with the the reduction quote that I've attached with it, I've also removed the indexation so the cover is not gonna just keep creeping up every year.\n\nChannel 1: Yep.\n\nChannel 0: Alright. So we'll trim it down. That'll save some premiums, and then it won't just keep increasing. It's gonna remain flat until we decide to change it again or cancel it.\n\nChannel 1: Yep. Yeah. Yeah. No worries.\n\nChannel 0: Cool. We've got all of your details listed in the statement of advice, just, you know, home values, cars, and everything that we took down in the last call. You've got the one path policy is the one that we're looking to alter, which, again,\n\nChannel 1: Yep.\n\nChannel 0: just as a reminder, you know, that's creeping up to 6,500 at the moment, and that's why we're trimming it down because it's very\n\nChannel 1: And what yeah. And what what's the the payout on that free cap if I did pay it again? What would be the monetary value on that? I haven't\n\nChannel 0: expensive.\n\nChannel 1: seen that\n\nChannel 0: Yeah. So that's 4\n\nChannel 1: yet.\n\nChannel 0: 50\n\nChannel 1: Yep.\n\nChannel 0: for the 6,000. And then when we trim it down after the the 15%\n\nChannel 1: It's\n\nChannel 0: rebate, it goes down to about 3,600 after tax.\n\nChannel 1: a big it's a big difference.\n\nChannel 0: Yeah. It's huge.\n\nChannel 1: Yeah. And now you guys looked into other insurance companies, and they're still the most economical?\n\nChannel 0: Yeah. At this point, they still are. It's one of those ones that we always spin through the policy into the software to compare everybody else and just do quotes across the board. If I find someone who's gonna save you, say, you know, 20% more, then it might be worth going through and reapplying through someone else.\n\nChannel 1: Yeah. I can.\n\nChannel 0: K. Great questions. In the statement of advice too, so when it comes to the super side of things, we've got $20 a week, which I've added in for the contributions as a starting point, and then we'll obviously\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: build it up from there. We've also got a few investments that we're switching around as well. So just to give you a bit of an idea, when we set up your eight or nine investment options inside the super, you know, one's Australian shares, one's property, one's gold, we usually put, like, a percentage along with it. Like, we want you to have 10% of gold and 5% of property and things like that.\n\nChannel 1: Yep.\n\nChannel 0: Over the course of a year, one goes up, one goes down. What I'm basically doing is rebalancing it so all of the\n\nChannel 1: Yep.\n\nChannel 0: percentages go back to the way they should be.\n\nChannel 1: Okay.\n\nChannel 0: In addition to that, there's that Benelon option that I mentioned last time, which wasn't performing too well. I'm switching that one out for a\n\nChannel 1: Yes.\n\nChannel 0: lower fee index fund.\n\nChannel 1: Okay.\n\nChannel 0: What that basically does is it chops 80% of the investment fees for that option because it's much, much more affordable, and it has much better performance. One,\n\nChannel 1: Yep.\n\nChannel 0: three, five, and ten years.\n\nChannel 1: Yep.\n\nChannel 0: So one switch out, a rebalance of the rest, and what that'll essentially do and I'll just give you the figures here. So it should save, just based on the current balance, $85 in investment fees for a cost of $15 in capital gains tax under the hood, which was basically nothing, and improve the returns from, like, a 9% average to an 11% average. And that\n\nChannel 1: Yep.\n\nChannel 0: should basically, if you put in $20 a week, trim down the premiums, and switch the investments, we go from going backwards in terms of your account balance going down back into the positive. So instead\n\nChannel 1: Yep.\n\nChannel 0: of going from 65,000 to 42,000, we're now going from 65 to 75, and we're starting to grow it again.\n\nChannel 1: Yeah. I can. Because\n\nChannel 0: Does that\n\nChannel 1: before\n\nChannel 0: make sense?\n\nChannel 1: I yeah. Yeah. It does. Before I was jumped over to you guys, I was with the Australian Super. And over the years, that just kept growing without me putting stuff in.\n\nChannel 0: Yeah.\n\nChannel 1: And it got up to the 60 odd thousand without doing anything.\n\nChannel 0: I think some low\n\nChannel 1: And\n\nChannel 0: fees really\n\nChannel 1: I I\n\nChannel 0: contribute to that, especially\n\nChannel 1: yes.\n\nChannel 0: those insurance premiums.\n\nChannel 1: Yeah. Well, that's when\n\nChannel 0: That's\n\nChannel 1: I that's when I looked at it and gone, oh, hang\n\nChannel 0: the\n\nChannel 1: on. Insurance premium is basically\n\nChannel 0: big\n\nChannel 1: taking everything that I issue.\n\nChannel 0: one. Exactly.\n\nChannel 1: Yeah. We're we're\n\nChannel 0: I\n\nChannel 1: Australian as I said, we're Australian, so we're still making money\n\nChannel 0: I\n\nChannel 1: except for the insurance fees. That's when it sort\n\nChannel 0: just\n\nChannel 1: of didn't go backwards a little bit, but it\n\nChannel 0: want\n\nChannel 1: sort of, I think, evened out. It was the same\n\nChannel 0: Exactly.\n\nChannel 1: amount of from the year before.\n\nChannel 0: I guess the easiest way to think about it now is if you've got 65,000 and you get, like, that 11% growth, you get, like, 7\n\nChannel 1: Yep.\n\nChannel 0: grands in the super.\n\nChannel 1: Yes.\n\nChannel 0: And rather than $6, 6.5 coming out for premiums, now you're getting a profit.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep.\n\nChannel 1: No. That's right.\n\nChannel 0: So that's where\n\nChannel 1: And\n\nChannel 0: we wanna\n\nChannel 1: any\n\nChannel 0: be.\n\nChannel 1: and\n\nChannel 0: We\n\nChannel 1: any\n\nChannel 0: wanna\n\nChannel 1: more\n\nChannel 0: be\n\nChannel 1: is\n\nChannel 0: slowly\n\nChannel 1: a bonus.\n\nChannel 0: growing it. Exactly.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Just bear in mind, I guess, my usual disclaimer is that because the market goes up and down, when we talk about that 11% return or or the figure we're aiming for, that's an average\n\nChannel 1: Yep.\n\nChannel 0: over, say, three and five years. Because\n\nChannel 1: Yep.\n\nChannel 0: in the middle of the year, it's gonna go up $10, down $5, and da da da da da. And once you spread it out over a long enough time period, then you start to hit that average of, you know, nine to 11.\n\nChannel 1: Yeah. Yeah. No. No. I I understand that totally.\n\nChannel 0: And I think we've got yours listed to about seven years I've projected in the document.\n\nChannel 1: Okay.\n\nChannel 0: K. Outside of that, so, again, switch out one option, rebalance the rest, start putting some small contributions in, trim down the\n\nChannel 1: Yes.\n\nChannel 0: premiums. It still keeps your your asset allocation, you know, how much is in the shares, property, and gold at that kind of 90 to 92% range, which is in line with that high growth profile\n\nChannel 1: Yep.\n\nChannel 0: that we were\n\nChannel 1: Yeah. No worries. If we if we jumped on the globe when we first started, we'd be multimillionaires now.\n\nChannel 0: talking about. Cool. Oh, yeah. It's been real fun. I think inside your portfolio, you've still got 9% in there in gold, so\n\nChannel 1: Yep.\n\nChannel 0: it's been really helpful. You've had a lot of fun with the the old battery tech and lithium, you know, like electric vehicles everyone's been\n\nChannel 1: Yes,\n\nChannel 0: buying lately.\n\nChannel 1: ma'am.\n\nChannel 0: So those ones have been going great. Those are the ones with the highest returns for you, the gold, the battery tech, and that kind of thing. It's really just that one bed along option that was really dragging its feet.\n\nChannel 1: Okay.\n\nChannel 0: So that one's getting switched out, and we're good to\n\nChannel 1: No worries. Now quick question with it. Talk about battery and technologies. With the I'm not sure if it's next year or the year after. With the federal legislation they're gonna start.\n\nSomeone mentioned about a fee. Okay.\n\nChannel 0: Oh, like, the the the fringe benefits tax changes or something\n\nChannel 1: Not not not no. Something different. It's more of a it's like a tax on it, but it's a no. I forget what it was. Like, is it 3¢ per kilometer if you use over so much going on to your when when you do your rego, you've gotta put how many k's you've done for the year.\n\nChannel 0: Oh, is that a a state one\n\nChannel 1: Federal.\n\nChannel 0: or a federal legislation? I'll have to look into that one and double check it. I wasn't sure if you're referring to anything on, you know, petrol vehicle taxes or\n\nChannel 1: No.\n\nChannel 0: if\n\nChannel 1: No.\n\nChannel 0: it's\n\nChannel 1: No.\n\nChannel 0: just\n\nChannel 1: No. No.\n\nChannel 0: a,\n\nChannel 1: It's\n\nChannel 0: you\n\nChannel 1: more\n\nChannel 0: know, punishment\n\nChannel 1: yeah.\n\nChannel 0: for the old truck drivers.\n\nChannel 1: No. It's more like, if you go battery, they're gonna need to a levy.\n\nChannel 0: Yes. That's the one.\n\nChannel 1: That's the word I'm looking for, levy on the EVs and things like even the hybrids are gonna get charged some as\n\nChannel 0: I'll have to have a little look at it. I\n\nChannel 1: well.\n\nChannel 0: know\n\nChannel 1: It\n\nChannel 0: that\n\nChannel 1: just have a would that would that affect the purchases of the EVs and things like that?\n\nChannel 0: a little bit. So anything like that that's detrimental to that industry affects it, but then this also invests, like, worldwide. So for example, if Australia put a bit of a tax on EVs, that would do a bit of a dip, but that wouldn't\n\nChannel 1: Yep.\n\nChannel 0: obviously impact if everyone's buying them in Germany and America and\n\nChannel 1: Yeah.\n\nChannel 0: China and all the rest.\n\nChannel 1: No. That's alright. I just thought I'd I don't know if you if you heard about it or not. I'm just that's something that you could possibly factor into, obviously, battery technology and stuff like that.\n\nChannel 0: Yeah. And I can see that there. They're talking about the 3¢ per ton kilometer rate.\n\nChannel 1: Yeah. Yeah. Yes.\n\nChannel 0: Absolutely. I don't expect it to, you know, crash the industry worldwide. So\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: No.\n\nChannel 0: option is not gonna get wiped out, but, you know, everything like that, country by country, does impact things a little bit.\n\nChannel 1: Yep. Yeah. Because I've just someone's suggested that and that's why. Because there's another guy now. He's actually just bought an electric van to run himself around with his work.\n\nOkay. He's saving a\n\nChannel 0: Okay.\n\nChannel 1: lot on fuel, but I think three days out of the five, he's gotta sit there and charge himself for an hour\n\nChannel 0: So\n\nChannel 1: because\n\nChannel 0: it's\n\nChannel 1: he's gotten\n\nChannel 0: not\n\nChannel 1: yeah.\n\nChannel 0: always\n\nChannel 1: What does that No. Excuse me.\n\nChannel 0: available?\n\nChannel 1: So he charges at night, but by the time he'd lost to charge it off peak, of course, as well. But he starts ridiculous sales like I do at anywhere between twelve and two in the morning, I believe. And it's just he's off peak charging doesn't get him to charge it probably, but then he lose out of power. He said, oh, I should get one. This is him.\n\nI should get one. I said, mate, well, one, every second or say every Friday, I'll go up to Aubrey And Beck. There's 800 kilometers before I start. And there's occasionally there's a job where I go all the way up to, Gungaguy, up near the ACT border, and that's a 1,200 k turnaround for the day.\n\nChannel 0: How many cases at last?\n\nChannel 1: Well, I don't know. So they it's me driving\n\nChannel 0: Probably nowhere\n\nChannel 1: my own\n\nChannel 0: near\n\nChannel 1: vehicle.\n\nChannel 0: 800,\n\nChannel 1: No. No. It wouldn't be wouldn't be viable\n\nChannel 0: though. No.\n\nChannel 1: as a vehicle.\n\nChannel 0: Especially the amount of times you'd have to find somewhere that had the plug in points to charge this thing along the way. And if you're in the middle of nowhere, I'm not gonna say what creek you're up.\n\nChannel 1: Yeah. In a barbed or canoe.\n\nChannel 0: That's the one. That's the one.\n\nChannel 1: And you'd you'd almost have to carry a generator with you.\n\nChannel 0: Maybe some guys do. I haven't looked\n\nChannel 1: Well, there has been a meme on Facebook where a bloke drives a Tesla stuck in a traffic jam. He's got his generator in the boot. You know, I'm charging his car while he's sitting there.\n\nChannel 0: into it. Oh, classic. Classic.\n\nChannel 1: Yeah.\n\nChannel 0: I don't have one myself, but they're all the rage at the moment.\n\nChannel 1: Yeah. Look. I've had I've had cars go past me, and you can't hear them until they're right next to you, which is pretty scary.\n\nChannel 0: Yeah. Quiet.\n\nChannel 1: Yeah. Yes. So I don't think I'll be getting one in a hurry.\n\nChannel 0: No. No. I won't put that down as one of the the goals. We'll\n\nChannel 1: No.\n\nChannel 0: stick with the tried and true for the time being.\n\nChannel 1: It even though diesel costs a small portion, I'm still sticking to diesel.\n\nChannel 0: Absolutely. And look, the prices have just spiked up again, but we do what we do. Do what we\n\nChannel 1: Yes.\n\nChannel 0: need to\n\nChannel 1: Exactly.\n\nChannel 0: do.\n\nChannel 1: We need to invest in a refinery.\n\nChannel 0: Yeah. Well, I won't jump into that with you today, but it's definitely something that we shouldn't be importing so many things. But maybe one day. Give it a generation or three, and they might wake up.\n\nChannel 1: Yes.\n\nChannel 0: Speaking of generations,\n\nChannel 1: Yes.\n\nChannel 0: Chris, I had your your partner listed to go on to the beneficiary nominations for the life insurance\n\nChannel 1: Alright.\n\nChannel 0: and the super.\n\nChannel 1: Yep.\n\nChannel 0: I did mention at the start of the call that I can prefill the forms for you.\n\nChannel 1: Yes.\n\nChannel 0: So just because it is a recorded line, what I'll do is sorry for reasking information that we already know. But if I can grab her full legal name, date of birth, and if she's at the same address, I can put all that on\n\nChannel 1: Yes.\n\nChannel 0: there for you.\n\nChannel 1: Is that the same address? Elizabeth Florence Hanson?\n\nChannel 0: Elizabeth Lawrence Hanson.\n\nChannel 1: Yep. Today is the twenty fifth September seventy two nineteen seventy two.\n\nChannel 0: Yep. 09/25/1972. Elizabeth Florence Hanson. And what we were doing is putting her as a 100%\n\nChannel 1: Yep.\n\nChannel 0: legally binding and non lapsing so it doesn't expire. Cool.\n\nChannel 1: Beautiful.\n\nChannel 0: There is one last thing that I'll let you know. There's some reminders in there about wills and powers of attorney and everything.\n\nChannel 1: Yep.\n\nChannel 0: With the investments, I did have a look at I spoke to you about possibly looking at an SMA bubble structure so that we can make changes throughout the year.\n\nChannel 1: Yep.\n\nChannel 0: The comparison didn't look very good in terms of capital gains tax for the super and the way the performance was looking. So if we need to change anything again at the next review, I'd have to just update this plan with anything else\n\nChannel 1: Yep.\n\nChannel 0: that we wanna do. If it does swing into first position, then I'll probably look at switching you into that so it's a bit easier throughout the year.\n\nChannel 1: Yep.\n\nChannel 0: But at this point, it's a bit of an engine tune rather than switching vehicles.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Cool. The only other one that's in there as well is the service agreement for us to remain advisers on hub. So, obviously, we can't touch anything unless we have consent, and\n\nChannel 1: Yep.\n\nChannel 0: our fees are still the same, the 1.65% on there\n\nChannel 1: Yep.\n\nChannel 0: as well. Cool. So pre fill the beneficiary nominations for one path and hub twenty four. Once you get that one signed, we do the investment switches online for you,\n\nChannel 1: Yep.\n\nChannel 0: usually on a Friday. Might not get it in for tomorrow unless we sign today, but it might be next week. I will send you the contribution details to start putting the $20 into the super. What will basically\n\nChannel 1: Yep.\n\nChannel 0: happen from there is that in June, we'll give you a call to let you know sort of how much has gone in, and there's, like, a one one form that can claim it all as a tax\n\nChannel 1: Okay.\n\nChannel 0: deduction. So what we basically do is just let the $20 come in. And then come June after the financial year ends, you sign that form to claim it. We send it to the superfund. They tell the tax office that we're claiming it, and they give you a confirmation letter to bring to your for your tax return to be completed.\n\nChannel 1: No worries.\n\nChannel 0: Cool. Does that make sense? I know it's a bit of a\n\nChannel 1: Yes. Yeah.\n\nChannel 0: process.\n\nChannel 1: No. No. I don't. No. No.\n\nI understand that.\n\nChannel 0: Perfect.\n\nChannel 1: I understand\n\nChannel 0: Yeah.\n\nChannel 1: things if things are explained to me.\n\nChannel 0: Oh, cool. Do you feel\n\nChannel 1: Yes.\n\nChannel 0: like I've explained it in a way that makes sense?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. It does.\n\nYeah.\n\nChannel 0: Awesome. That's what we're here for. Again, like, I'm not trying to turn you into\n\nChannel 1: No.\n\nChannel 0: a\n\nChannel 1: No.\n\nChannel 0: stock\n\nChannel 1: No.\n\nChannel 0: broker or a fund manager,\n\nChannel 1: No.\n\nChannel 0: but\n\nChannel 1: No.\n\nChannel 0: I\n\nChannel 1: No.\n\nChannel 0: just wanna make sure, you know, you're happy with what we're doing with your money.\n\nChannel 1: You know, or it's a was it auditory processing? I have a I think I believe I haven't been diagnosed, but my daughter has. So I I believe I've got that myself.\n\nChannel 0: So better on the verbals than than the reading.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Cool. So I'll make sure that we never send you a document out willy nilly for you to sort of sign without someone at least talking you through it to make sure\n\nChannel 1: Yep.\n\nChannel 0: that, you know, everything's above board.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Awesome, Chris. Mate, it's been a pleasure this morning. That's pretty much everything I had to go over with you. It's just the plan. We'll send you out those beneficiary forms, contribution\n\nChannel 1: Yep.\n\nChannel 0: details. Any questions for me?\n\nChannel 1: No. I don't think so. I think I've asked them as I went.\n\nChannel 0: Amazing. Again, I've put all this down on the file. So if anyone calls up with any questions, we've got all the information about what we spoke about. And\n\nChannel 1: Yep.\n\nChannel 0: from there, the team will basically just reach out with some updates and reminders as we go through. Awesome, mate. Alrighty. I will let you go. Thank you so much for your time\n\nChannel 1: Yep.\n\nChannel 0: today.\n\nChannel 1: I thank you very much. As I said, I'm glad I got you before he got into something else.\n\nChannel 0: Absolutely, Chris. And, look, thank you so much for calling back in as well. Appreciate that.\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Alright, mate. See you later. Thank you\n\nChannel 1: Yep.\n\nChannel 0: so much.\n\nChannel 1: Thanks, Tom. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Chris.","start":1.92,"end":3.12,"sentiment":"neutral","sentiment_score":0.29964569211006165},{"text":"You're through to Tommy, mate.","start":3.12,"end":4.16,"sentiment":"neutral","sentiment_score":0.2765886574983597},{"text":"Thank you so much for calling back in.","start":4.16,"end":5.8599997,"sentiment":"positive","sentiment_score":0.6494141444563866}],"sentiment":"positive","sentiment_score":0.46732459496706724,"channel":0,"num_words":16,"start":1.92,"end":5.8599997},{"sentences":[{"text":"That's all.","start":6.3999996,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.30142897367477417},{"text":"I've missed it by a hair of it.","start":6.8799996,"end":9.46,"sentiment":"neutral","sentiment_score":-0.016093031343189068},{"text":"Of my","start":10.08,"end":10.4,"sentiment":"neutral","sentiment_score":-0.24934011697769165}],"sentiment":"neutral","sentiment_score":-0.0020472114459456256,"channel":1,"num_words":12,"start":6.3999996,"end":10.4},{"sentences":[{"text":"That's","start":10.24,"end":10.639999,"sentiment":"neutral","sentiment_score":-0.25119566917419434}],"sentiment":"neutral","sentiment_score":-0.25119566917419434,"channel":0,"num_words":1,"start":10.24,"end":10.639999},{"sentences":[{"text":"chin 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was thinking of something to say but without being rude and disgusting.","start":12.895,"end":16.755001,"sentiment":"neutral","sentiment_score":-0.26286093776042646}],"sentiment":"neutral","sentiment_score":-0.26286093776042646,"channel":1,"num_words":13,"start":12.895,"end":16.755001},{"sentences":[{"text":"No.","start":17.295,"end":17.615,"sentiment":"neutral","sentiment_score":-0.0777452141046524},{"text":"That's fine.","start":17.615,"end":18.095001,"sentiment":"neutral","sentiment_score":0.059889212250709534},{"text":"The calls are recorded, but you can have a bit of fun with it sometimes.","start":18.095001,"end":21.075,"sentiment":"neutral","sentiment_score":0.13105253924926122}],"sentiment":"neutral","sentiment_score":0.11154562772976027,"channel":0,"num_words":18,"start":17.295,"end":21.075},{"sentences":[{"text":"No.","start":21.455,"end":21.695,"sentiment":"neutral","sentiment_score":-0.0653819590806961},{"text":"No.","start":21.695,"end":21.855,"sentiment":"neutral","sentiment_score":-0.06465911865234375},{"text":"Well, that's why I paused for a minute.","start":21.855,"end":23.375,"sentiment":"neutral","sentiment_score":-0.061422156635671854},{"text":"Hang on.","start":23.375,"end":23.935001,"sentiment":"neutral","sentiment_score":-0.038020811043679714},{"text":"We are being recorded.","start":23.935001,"end":25.075,"sentiment":"neutral","sentiment_score":-0.024184592068195343}],"sentiment":"neutral","sentiment_score":-0.04963739507365972,"channel":1,"num_words":16,"start":21.455,"end":25.075},{"sentences":[{"text":"We are gotta be polite and what have you.","start":25.135,"end":29.01,"sentiment":"neutral","sentiment_score":-0.061506691906187266}],"sentiment":"neutral","sentiment_score":-0.061506691906187266,"channel":1,"num_words":9,"start":25.135,"end":29.01},{"sentences":[{"text":"Oh, that's good, mate.","start":31.07,"end":32.11,"sentiment":"positive","sentiment_score":0.5039664655923843},{"text":"I've got this this plan ready to send through to you.","start":32.11,"end":35.07,"sentiment":"positive","sentiment_score":0.43491870164871216},{"text":"Will you be able to look onto the email with me today, or should I just give you a bit of a walk through?","start":35.07,"end":40.335,"sentiment":"neutral","sentiment_score":0.16799340955913067}],"sentiment":"neutral","sentiment_score":0.27773880538267964,"channel":0,"num_words":39,"start":31.07,"end":40.335},{"sentences":[{"text":"Probably just give me a bit of a walk through because I don't understand half of it.","start":41.495003,"end":45.255,"sentiment":"neutral","sentiment_score":-0.012181112871450536},{"text":"But if you know how you guys do trades for me, and then you send through the outcome.","start":45.255,"end":53.035004,"sentiment":"neutral","sentiment_score":0.045230144220921725}],"sentiment":"neutral","sentiment_score":0.017344676490340914,"channel":1,"num_words":35,"start":41.495003,"end":53.035004},{"sentences":[{"text":"Yes.","start":52.975,"end":53.475,"sentiment":"neutral","sentiment_score":0.05829254910349846},{"text":"Yep.","start":53.614998,"end":54.03,"sentiment":"neutral","sentiment_score":0.04455023631453514},{"text":"Right.","start":54.03,"end":54.53,"sentiment":"neutral","sentiment_score":0.01445820275694132}],"sentiment":"neutral","sentiment_score":0.039100329391658306,"channel":0,"num_words":3,"start":52.975,"end":54.53},{"sentences":[{"text":"See, I don't understand how how to read that either.","start":54.96,"end":57.7,"sentiment":"neutral","sentiment_score":-0.22070747688412667},{"text":"So I don't know if we've made money or lost money or I mean,","start":60.96,"end":65.12,"sentiment":"neutral","sentiment_score":-0.1954195233328002}],"sentiment":"neutral","sentiment_score":-0.2059561706458529,"channel":1,"num_words":24,"start":54.96,"end":65.12},{"sentences":[{"text":"Perfect.","start":64.99,"end":65.49,"sentiment":"neutral","sentiment_score":-0.1850270926952362}],"sentiment":"neutral","sentiment_score":-0.1850270926952362,"channel":0,"num_words":1,"start":64.99,"end":65.49},{"sentences":[{"text":"it's like that's what I mean.","start":65.12,"end":66.5,"sentiment":"neutral","sentiment_score":-0.16813036302725473}],"sentiment":"neutral","sentiment_score":-0.16813036302725473,"channel":1,"num_words":6,"start":65.12,"end":66.5},{"sentences":[{"text":"No.","start":66.909996,"end":67.15,"sentiment":"neutral","sentiment_score":-0.14053286612033844},{"text":"That's 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wanna make sure, you know, you're happy with what we're doing with your money.","start":1349.675,"end":1353.295,"sentiment":"neutral","sentiment_score":-0.017099079241355262}],"sentiment":"neutral","sentiment_score":-0.017099079241355262,"channel":0,"num_words":15,"start":1349.675,"end":1353.295},{"sentences":[{"text":"You know, or it's a was it auditory processing?","start":1353.665,"end":1356.9651,"sentiment":"neutral","sentiment_score":0.000677179027762678},{"text":"I have a I think I believe I haven't been diagnosed, but my daughter has.","start":1357.425,"end":1361.905,"sentiment":"neutral","sentiment_score":-0.09576950867970785},{"text":"So I I believe I've got that myself.","start":1361.905,"end":1366.28,"sentiment":"neutral","sentiment_score":-0.05797839676961303}],"sentiment":"neutral","sentiment_score":-0.059196099784458056,"channel":1,"num_words":32,"start":1353.665,"end":1366.28},{"sentences":[{"text":"So better on the verbals than than the reading.","start":1366.4099,"end":1368.99,"sentiment":"neutral","sentiment_score":-0.03453662743171056}],"sentiment":"neutral","sentiment_score":-0.03453662743171056,"channel":0,"num_words":9,"start":1366.4099,"end":1368.99},{"sentences":[{"text":"Yes.","start":1369.06,"end":1369.54,"sentiment":"neutral","sentiment_score":0.028398051857948303},{"text":"Yes.","start":1369.54,"end":1370.04,"sentiment":"neutral","sentiment_score":0.04598448425531387}],"sentiment":"neutral","sentiment_score":0.03719126805663109,"channel":1,"num_words":2,"start":1369.06,"end":1370.04},{"sentences":[{"text":"Yep.","start":1370.09,"end":1370.59,"sentiment":"neutral","sentiment_score":0.06518816202878952}],"sentiment":"neutral","sentiment_score":0.06518816202878952,"channel":0,"num_words":1,"start":1370.09,"end":1370.59},{"sentences":[{"text":"Yes.","start":1370.18,"end":1370.68,"sentiment":"neutral","sentiment_score":0.1280730664730072}],"sentiment":"neutral","sentiment_score":0.1280730664730072,"channel":1,"num_words":1,"start":1370.18,"end":1370.68},{"sentences":[{"text":"Cool.","start":1371.0499,"end":1371.5499,"sentiment":"neutral","sentiment_score":0.20970404148101807},{"text":"So I'll make sure that we never send you a document out willy nilly for you to sort of sign without someone at least talking you through it to make sure","start":1372.245,"end":1378.885,"sentiment":"neutral","sentiment_score":0.05930143630793018}],"sentiment":"neutral","sentiment_score":0.06400151771958917,"channel":0,"num_words":32,"start":1371.0499,"end":1378.885},{"sentences":[{"text":"Yep.","start":1378.66,"end":1379.025,"sentiment":"neutral","sentiment_score":0.07071463018655777}],"sentiment":"neutral","sentiment_score":0.07071463018655777,"channel":1,"num_words":1,"start":1378.66,"end":1379.025},{"sentences":[{"text":"that, you know, everything's above board.","start":1378.885,"end":1380.8251,"sentiment":"neutral","sentiment_score":0.1158096877237161}],"sentiment":"neutral","sentiment_score":0.1158096877237161,"channel":0,"num_words":6,"start":1378.885,"end":1380.8251},{"sentences":[{"text":"Yeah.","start":1382.225,"end":1382.465,"sentiment":"neutral","sentiment_score":0.1014263927936554},{"text":"No worries.","start":1382.465,"end":1383.2051,"sentiment":"neutral","sentiment_score":0.23053883761167526}],"sentiment":"neutral","sentiment_score":0.18750135600566864,"channel":1,"num_words":3,"start":1382.225,"end":1383.2051},{"sentences":[{"text":"Awesome, Chris.","start":1384.5651,"end":1385.4451,"sentiment":"positive","sentiment_score":0.6521536409854889},{"text":"Mate, it's been a pleasure this morning.","start":1385.4451,"end":1387.285,"sentiment":"positive","sentiment_score":0.783887939793723},{"text":"That's pretty much everything I had to go over with you.","start":1387.285,"end":1389.78,"sentiment":"positive","sentiment_score":0.5173639492555098},{"text":"It's just the plan.","start":1389.78,"end":1390.84,"sentiment":"neutral","sentiment_score":0.30666613578796387},{"text":"We'll send you out those beneficiary forms, contribution","start":1390.98,"end":1393.48,"sentiment":"neutral","sentiment_score":0.20784386806190014}],"sentiment":"positive","sentiment_score":0.48037318093702197,"channel":0,"num_words":32,"start":1384.5651,"end":1393.48},{"sentences":[{"text":"Yep.","start":1393.665,"end":1394.165,"sentiment":"neutral","sentiment_score":0.10367125272750854}],"sentiment":"neutral","sentiment_score":0.10367125272750854,"channel":1,"num_words":1,"start":1393.665,"end":1394.165},{"sentences":[{"text":"details.","start":1393.7,"end":1394.2,"sentiment":"neutral","sentiment_score":0.09290339052677156},{"text":"Any questions for me?","start":1394.9,"end":1396.28,"sentiment":"neutral","sentiment_score":0.05753419082611799}],"sentiment":"neutral","sentiment_score":0.0646080307662487,"channel":0,"num_words":5,"start":1393.7,"end":1396.28},{"sentences":[{"text":"No.","start":1396.8099,"end":1397.3099,"sentiment":"neutral","sentiment_score":-0.08997781574726105},{"text":"I don't think so.","start":1397.37,"end":1398.09,"sentiment":"neutral","sentiment_score":-0.1386851742863655},{"text":"I think I've asked them as I went.","start":1398.09,"end":1399.71,"sentiment":"neutral","sentiment_score":-0.03196117654442787}],"sentiment":"neutral","sentiment_score":-0.06926214809601124,"channel":1,"num_words":13,"start":1396.8099,"end":1399.71},{"sentences":[{"text":"Amazing.","start":1400.34,"end":1400.84,"sentiment":"positive","sentiment_score":0.4450199902057648},{"text":"Again, I've put all this down on the file.","start":1401.355,"end":1403.355,"sentiment":"neutral","sentiment_score":0.32146595584021675},{"text":"So if anyone calls up with any questions, we've got all the information about what we spoke about.","start":1403.355,"end":1407.695,"sentiment":"neutral","sentiment_score":0.2289291156662835},{"text":"And","start":1407.835,"end":1408.335,"sentiment":"neutral","sentiment_score":0.09309792518615724}],"sentiment":"neutral","sentiment_score":0.26041502068782674,"channel":0,"num_words":29,"start":1400.34,"end":1408.335},{"sentences":[{"text":"Yep.","start":1408.09,"end":1408.59,"sentiment":"neutral","sentiment_score":0.003088632132858038}],"sentiment":"neutral","sentiment_score":0.003088632132858038,"channel":1,"num_words":1,"start":1408.09,"end":1408.59},{"sentences":[{"text":"from there, the team will basically just reach out with some updates and reminders as we go through.","start":1409.0349,"end":1413.695,"sentiment":"neutral","sentiment_score":0.21619533085160786},{"text":"Awesome, mate.","start":1416.57,"end":1417.95,"sentiment":"positive","sentiment_score":0.808080792427063},{"text":"Alrighty.","start":1418.0099,"end":1418.5099,"sentiment":"positive","sentiment_score":0.5965185165405273},{"text":"I will let you go.","start":1418.57,"end":1419.61,"sentiment":"positive","sentiment_score":0.5489264607429505},{"text":"Thank you so much for your time","start":1419.61,"end":1420.73,"sentiment":"positive","sentiment_score":0.7934783782277789}],"sentiment":"positive","sentiment_score":0.4364599093343272,"channel":0,"num_words":33,"start":1409.0349,"end":1420.73},{"sentences":[{"text":"Yep.","start":1420.6849,"end":1421.1849,"sentiment":"positive","sentiment_score":0.5519653558731079}],"sentiment":"positive","sentiment_score":0.5519653558731079,"channel":1,"num_words":1,"start":1420.6849,"end":1421.1849},{"sentences":[{"text":"today.","start":1420.73,"end":1421.23,"sentiment":"positive","sentiment_score":0.5807047486305237}],"sentiment":"positive","sentiment_score":0.5807047486305237,"channel":0,"num_words":1,"start":1420.73,"end":1421.23},{"sentences":[{"text":"I thank you very much.","start":1422.0449,"end":1423.345,"sentiment":"positive","sentiment_score":0.7688404202461243},{"text":"As I said, I'm glad I got you before he got into something else.","start":1423.8,"end":1427.26,"sentiment":"positive","sentiment_score":0.4798231359039034}],"sentiment":"positive","sentiment_score":0.5558803159939615,"channel":1,"num_words":19,"start":1422.0449,"end":1427.26},{"sentences":[{"text":"Absolutely, Chris.","start":1429.575,"end":1430.215,"sentiment":"positive","sentiment_score":0.6655914783477783},{"text":"And, look, thank you so much for calling back in as well.","start":1430.215,"end":1432.215,"sentiment":"positive","sentiment_score":0.7104052056868871},{"text":"Appreciate that.","start":1432.215,"end":1433.115,"sentiment":"positive","sentiment_score":0.702020138502121}],"sentiment":"positive","sentiment_score":0.7037553563714027,"channel":0,"num_words":16,"start":1429.575,"end":1433.115},{"sentences":[{"text":"Yeah.","start":1433.0,"end":1433.5,"sentiment":"positive","sentiment_score":0.35031017661094666},{"text":"Not a problem.","start":1433.56,"end":1434.38,"sentiment":"positive","sentiment_score":0.40718866388003033}],"sentiment":"positive","sentiment_score":0.3929690420627594,"channel":1,"num_words":4,"start":1433.0,"end":1434.38},{"sentences":[{"text":"Alright, mate.","start":1435.1749,"end":1435.735,"sentiment":"positive","sentiment_score":0.40194815397262573},{"text":"See you later.","start":1435.735,"end":1436.2949,"sentiment":"positive","sentiment_score":0.46093987425168353},{"text":"Thank you","start":1436.2949,"end":1436.615,"sentiment":"positive","sentiment_score":0.6773309707641602}],"sentiment":"positive","sentiment_score":0.5059111246040889,"channel":0,"num_words":7,"start":1435.1749,"end":1436.615},{"sentences":[{"text":"Yep.","start":1436.52,"end":1436.92,"sentiment":"positive","sentiment_score":0.4989060163497925}],"sentiment":"positive","sentiment_score":0.4989060163497925,"channel":1,"num_words":1,"start":1436.52,"end":1436.92},{"sentences":[{"text":"so much.","start":1436.615,"end":1437.2749,"sentiment":"positive","sentiment_score":0.6566601991653442}],"sentiment":"positive","sentiment_score":0.6566601991653442,"channel":0,"num_words":2,"start":1436.615,"end":1437.2749},{"sentences":[{"text":"Thanks, Tom.","start":1436.92,"end":1437.7201,"sentiment":"positive","sentiment_score":0.6673298478126526},{"text":"Bye.","start":1437.7201,"end":1438.2201,"sentiment":"positive","sentiment_score":0.4425143897533417}],"sentiment":"positive","sentiment_score":0.5923913617928823,"channel":1,"num_words":3,"start":1436.92,"end":1438.2201},{"sentences":[{"text":"Bye.","start":1438.615,"end":1439.115,"sentiment":"neutral","sentiment_score":-0.09901473671197893}],"sentiment":"neutral","sentiment_score":-0.09901473671197893,"channel":0,"num_words":1,"start":1438.615,"end":1439.115}]},"summary":{"result":"success","short":"A representative named Tommy emphasizes the importance of being polite and emphasizes the recording of the call being recorded. They discuss the benefits of helping with mortgage and provide information on reducing fees and premiums for the customer. The speaker emphasizes the importance of considering risk tolerance and suggests a switch to a different insurance company. They also discuss the process of balancing investments in the portfolio, including prefilling beneficiary nominations for solar bubble structures, and the potential impact of a car accident. The agent reminds the customer to fill beneficiary nominations for solar bubble structures and discusses insurance coverage and tax return updates."},"intents":{"segments":[{"text":"I've got this this plan ready to send through to you. Will you be able to look onto the email with me today, or should I just give you a bit of a walk through? Probably just give me a bit of a walk through because I don't understand half of it. But if you know how you guys do trades for me, and then you send through the outcome. Yes.","start_word":101,"end_word":171,"intents":[{"intent":"Provide plan details","confidence_score":0.0012779278}]},{"text":"See, I don't understand how how to read that either. So I don't know if we've made money or lost money or I mean, Perfect. it's like that's what I mean. No.","start_word":174,"end_word":205,"intents":[{"intent":"Inquire about financial goals","confidence_score":0.00003492425}]},{"text":"So every provider, like Hub twenty four, they've got big 500 page product disclosure documents.","start_word":656,"end_word":670,"intents":[{"intent":"Promote product documents","confidence_score":0.0057897395}]},{"text":"Whenever they update that, we just send that through to you guys so you've got the latest copy. Yep.","start_word":672,"end_word":690,"intents":[{"intent":"Update and send documents","confidence_score":0.04565567}]},{"text":"And, basically, our conversation was let's just review the investments inside the super to make sure they're good.","start_word":757,"end_word":774,"intents":[{"intent":"Review investments","confidence_score":0.70699674},{"intent":"Review investments","confidence_score":0.031652264}]},{"text":"I've recommended to start with $20 a week because that's what we talked about. And then what I'm gonna do is I'll send you through the details on how to make those contributions through BPAY or EFT, and we'll just slowly talk to you every year about slowly increasing those as your cash flow allows. Yep.","start_word":831,"end_word":886,"intents":[{"intent":"Maximize contributions","confidence_score":0.20269378}]},{"text":"Now, obviously, the benefit of that, tax rates in super are 15%. You get more in there.","start_word":888,"end_word":904,"intents":[{"intent":"Discuss tax rates","confidence_score":0.07581619}]},{"text":"But I can prefill that for you at the end of the call. Okay.","start_word":994,"end_word":1007,"intents":[{"intent":"Prefill forms","confidence_score":0.091366276}]},{"text":"For the insurances, so we we essentially wanted to make sure that, you know, your mortgage is covered. You've got a $100,000 of insurances for each of your daughters. And so we were looking to trim down your life and disability insurance to get the fees down Yep.","start_word":1011,"end_word":1058,"intents":[{"intent":"Ensure insurance coverage","confidence_score":0.03317496},{"intent":"Trim insurance","confidence_score":0.22105326}]},{"text":"with the the reduction quote that I've attached with it, I've also removed the indexation so the cover is not gonna just keep creeping up every year. Yep.","start_word":1150,"end_word":1177,"intents":[{"intent":"Remove indexation","confidence_score":0.32790232}]},{"text":"You've got the one path policy is the one that we're looking to alter, which, again, Yep.","start_word":1243,"end_word":1259,"intents":[{"intent":"Change policy","confidence_score":0.298458}]},{"text":"And what what's the the payout on that free cap if I did pay it again? What would be the monetary value on that?","start_word":1287,"end_word":1310,"intents":[{"intent":"Obtain payout","confidence_score":0.02783553}]},{"text":"And now you guys looked into other insurance companies, and they're still the most economical? Yeah.","start_word":1357,"end_word":1372,"intents":[{"intent":"Discuss insurance options","confidence_score":0.0032403285}]},{"text":"So it should save, just based on the current balance, $85 in investment fees for a cost of $15 in capital gains tax under the hood, which was basically nothing, and improve the returns from, like, a 9% average to an 11% average. And that Yep.","start_word":1673,"end_word":1718,"intents":[{"intent":"Optimize returns","confidence_score":0.062026266}]},{"text":"Oh, like, the the the fringe benefits tax changes or something Not not not no.","start_word":2344,"end_word":2358,"intents":[{"intent":"Discuss tax changes","confidence_score":0.0048243077}]},{"text":"I don't expect it to, you know, crash the industry worldwide. So No. that No. option is not gonna get wiped out, but, you know, everything like that, country by country, does impact things a little bit. Yep.","start_word":2661,"end_word":2698,"intents":[{"intent":"Decline electric van availability","confidence_score":2.9376505e-7}]},{"text":"He's actually just bought an electric van to run himself around with his work. Okay.","start_word":2713,"end_word":2727,"intents":[{"intent":"Describe electric van usage","confidence_score":0.0005200486}]},{"text":"lot on fuel, but I think three days out of the five, he's gotta sit there and charge himself for an hour So because it's he's gotten not yeah. always What does that No.","start_word":2732,"end_word":2765,"intents":[{"intent":"Provide fuel information","confidence_score":0.00021462455}]},{"text":"Well, I don't know. So they it's me driving Probably nowhere my own near vehicle. 800, No.","start_word":2901,"end_word":2917,"intents":[{"intent":"Discuss driving experience","confidence_score":0.011132287}]},{"text":"Is that the same address? Elizabeth Florence Hanson?","start_word":3295,"end_word":3302,"intents":[{"intent":"Confirm address","confidence_score":0.0074730436}]},{"text":"With the investments, I did have a look at I spoke to you about possibly looking at an SMA bubble structure so that we can make changes throughout the year.","start_word":3370,"end_word":3399,"intents":[{"intent":"Make changes","confidence_score":0.00703731},{"intent":"Make changes","confidence_score":0.009491465}]},{"text":"So if we need to change anything again at the next review, I'd have to just update this plan with anything else Yep.","start_word":3423,"end_word":3445,"intents":[{"intent":"Update plan","confidence_score":0.91365737},{"intent":"Update plan","confidence_score":0.02884099}]},{"text":"I will send you the contribution details to start putting the $20 into the super.","start_word":3589,"end_word":3603,"intents":[{"intent":"Submit contribution details","confidence_score":0.01013348}]},{"text":"We send it to the superfund. They tell the tax office that we're claiming it, and they give you a confirmation letter to bring to your for your tax return to be completed. No worries. Cool.","start_word":3676,"end_word":3711,"intents":[{"intent":"Confirm receipt of tax return form","confidence_score":0.0010074562}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Chris. You're through to Tommy, mate.","start_word":0,"end_word":7,"sentiment":"neutral","sentiment_score":0.28807324171066284},{"text":"Thank you so much for calling back in.","start_word":8,"end_word":15,"sentiment":"positive","sentiment_score":0.64935302734375},{"text":"That's all. I've missed it by a hair of it.","start_word":16,"end_word":25,"sentiment":"neutral","sentiment_score":0.0789761021733284},{"text":"Of That's my chin always itch insurance.","start_word":26,"end_word":32,"sentiment":"negative","sentiment_score":-0.3458417057991028},{"text":"the way. That's always I the was way. I was thinking of something to say but without being rude and disgusting. No. That's fine. The calls are recorded, but you can have a bit of fun with it sometimes. No. No. Well, that's why I paused for a minute. Hang on. We are being recorded. We are gotta be polite and what have you.","start_word":33,"end_word":96,"sentiment":"neutral","sentiment_score":-0.07323287427425385},{"text":"Oh, that's good, mate. I've got this this plan ready to send through to you.","start_word":97,"end_word":111,"sentiment":"positive","sentiment_score":0.46855804324150085},{"text":"Will you be able to look onto the email with me today, or should I just give you a bit of a walk through? Probably just give me a bit of a walk through because I don't understand half of it. But if you know how you guys do trades for me, and then you send through the outcome. Yes. Yep. Right. See, I don't understand how how to read that either. So I don't know if we've made money or lost money or I mean, Perfect. it's like that's what I mean. No. That's fine. So what I'll do today, I'll let you know Yep. obviously, what documents are coming through to you. I'll give you a kind of a rundown of what I'm wanting to do and why. See if you do Yep. have any questions. I do wanna make sure it makes enough sense that you can, you know, give informed consent at least, and then we can take care of it from there. No. No. That's fine. Look. I don't really take a lot of time.","start_word":112,"end_word":291,"sentiment":"neutral","sentiment_score":-0.0019631742034107447},{"text":"I'm not a great reader as Yep.","start_word":292,"end_word":298,"sentiment":"negative","sentiment_score":-0.34567031264305115},{"text":"a as a rule, if that makes sense. Absolutely. Not one of my four pages at school. I thought unfortunately, my girls have got a different outlook. I love Yep. reading, so that's it. They're gonna get that to me.","start_word":299,"end_word":338,"sentiment":"neutral","sentiment_score":-0.13793548569083214},{"text":"Got that. Perfect. Yeah.","start_word":339,"end_word":342,"sentiment":"positive","sentiment_score":0.4401317536830902},{"text":"So so if that makes any sense.","start_word":343,"end_word":349,"sentiment":"neutral","sentiment_score":0.28878358006477356},{"text":"Absolutely. So So I'm I'm I'll going try basically by your skill and and knowledge of what you do and what have you. So I'm fully happy for what you guys do. Awesome. So you're placing some some trust in us. Yes. Basically. Cool.","start_word":350,"end_word":393,"sentiment":"positive","sentiment_score":0.5643351674079895},{"text":"Now I'm I'll put it usually this way. pretty I haven't good at lost any money yet. So no. Look. It does I'm not gonna lie. It does go up and down if you were to watch it I've every got single day because I I stock market I I do goes watch up it.","start_word":394,"end_word":448,"sentiment":"neutral","sentiment_score":-0.10948096215724944},{"text":"and It's worse than a year.","start_word":449,"end_word":454,"sentiment":"negative","sentiment_score":-0.438718318939209},{"text":"Yeah, mate. down. Yeah. And it's just one of the things you know how we use a lot of buzzwords in the industry. Everyone talks about volatility and risk and all these kinds of things. Basically, Oh, well, that's right. Basically, But Pumps Pumps what just gotta keep his mouth shut, pretty and we'll much be fine. anytime something happens in the news, the market goes up and down a lot higher and lower than it normally does. And when everyone's quiet, it goes a lot smoother, and that's pretty much the game of the stock Yes. As I said, as long as Plum keeps his mouth shut, we're alright. market. Pretty much. I'm usually pretty good at at least kind of breaking down what we're doing and why, but I would love to get your feedback if it does make sense. Yes. Now just to let you know what I've sent you. So the statement of advice has all of the recommendations, pros and cons, and everything that I'm gonna go through with you, and it has a number of additional attachments. Basically, service guides for Oakview, you know, our privacy policy, licensing details. We've Yeah. also got product documents. So every provider, like Hub twenty four, they've got big 500 page product disclosure documents. Whenever they update that, we just send that through to you guys so you've got the latest copy. Yep. Not that you're expected to read all 500 pages, but it's there if there is anything that we need to find out. Well, I can give you a really, really good that's never gonna happen. Fair enough. Fair enough, Chris. Now when it comes to the advice itself, so the statement of advice talks about the scope of what we are doing versus what we're not doing. And, basically, our conversation was let's just review the investments inside the super to make sure they're good. You were talking about potentially doing just a little bit of contributions into super because you wanted to slowly build it up Yep. towards Yeah. what I you feel would like pay I for keep the forgetting percentage?","start_word":455,"end_word":812,"sentiment":"neutral","sentiment_score":0.05382426352599147},{"text":"I keep I keep forgetting to do something about that. That's my fault.","start_word":813,"end_word":825,"sentiment":"negative","sentiment_score":-0.409284234046936},{"text":"That's my That's day. alright. I've recommended to start with $20 a week because that's what we talked about. And then what I'm gonna do is I'll send you through the details on how to make those contributions through BPAY or EFT, and we'll just slowly talk to you every year about slowly increasing those as your cash flow allows. Yep. K? Now, obviously, the benefit of that, tax rates in super are 15%. You get more in there. It's gonna start to grow, and it's not gonna go, you Yeah. know, backwards from all the premiums and fees and all that kind of thing. We did have a chat around beneficiary nominations, getting someone listed on the super, Okay. Forgetting wills and that. powers of attorney. That's fine. I'm gonna send you the forms out. That's no worries at Again? all. Is there an electronic one? Most of them are electronic. The only ones that we can't do are beneficiary nominations because they're legal documents. Yep. Okay. But I can prefill that for you at the end of the call. Okay. Cool. Yep. For the insurances, so we we essentially wanted to make sure that, you know, your mortgage is covered. You've got a $100,000 of insurances for each of your daughters. And so we were looking to trim down your life and disability insurance to get the fees down Yep. a bit because they were getting pretty expensive if that rings a bell. Yeah. Well, they they were going, like, basically, $303,100,000 takes care of the mortgage, thereabouts. And it just kept going up to $45,500. And as I said, I think I just just wanted to cover the mortgages.","start_word":826,"end_word":1107,"sentiment":"neutral","sentiment_score":0.11988042284410896},{"text":"So if the mortgage is covered, the wife doesn't have to worry about that.","start_word":1108,"end_word":1121,"sentiment":"positive","sentiment_score":0.3579636514186859},{"text":"Yeah.","start_word":1122,"end_word":1122,"sentiment":"neutral","sentiment_score":0.2961764931678772},{"text":"And And that's then one of the things and I've then done she too. yeah. She gets to keep a super as such.","start_word":1123,"end_word":1145,"sentiment":"positive","sentiment_score":0.49305880069732666},{"text":"Untouched. Yep. So Yes. with the the reduction quote that I've attached with it, I've also removed the indexation so the cover is not gonna just keep creeping up every year. Yep. Alright. So we'll trim it down. That'll save some premiums, and then it won't just keep increasing. It's gonna remain flat until we decide to change it again or cancel it. Yep. Yeah. Yeah. No worries. Cool. We've got all of your details listed in the statement of advice, just, you know, home values, cars, and everything that we took down in the last call. You've got the one path policy is the one that we're looking to alter, which, again, Yep. just as a reminder, you know, that's creeping up to 6,500 at the moment, and that's why we're trimming it down because it's very And what yeah. And what what's the the payout on that free cap if I did pay it again? What would be the monetary value on that? I haven't expensive. seen that Yeah. So that's 4 yet. 50 Yep. for the 6,000. And then when we trim it down after the the 15% rebate, It's it goes down to about 3,600 after tax.","start_word":1146,"end_word":1346,"sentiment":"neutral","sentiment_score":0.06249779835343361},{"text":"a big it's a big difference. Yeah. It's huge. Yeah.","start_word":1347,"end_word":1356,"sentiment":"positive","sentiment_score":0.5969501733779907},{"text":"And now you guys looked into other insurance companies, and they're still the most economical? Yeah. At this point, they still are. It's one of those ones that we always spin through the policy into the software to compare everybody else and just do quotes across the board. If I find someone who's gonna save you, say, you know, 20% more, then it might be worth going through and reapplying through someone else. Yeah. I can. K.","start_word":1357,"end_word":1433,"sentiment":"neutral","sentiment_score":0.18439626693725583},{"text":"Great questions.","start_word":1434,"end_word":1435,"sentiment":"positive","sentiment_score":0.5502595901489258},{"text":"In the statement of advice too, so when it comes to the super side of things, we've got $20 a week, which I've added in for the contributions as a starting point, and then we'll obviously Mhmm. Yep. build it up from there. We've also got a few investments that we're switching around as well. So just to give you a bit of an idea, when we set up your eight or nine investment options inside the super, you know, one's Australian shares, one's property, one's gold, we usually put, like, a percentage along with it. Like, we want you to have 10% of gold and 5% of property and things like that. Yep. Over the course of a year, one goes up, one goes down. What I'm basically doing is rebalancing it so all of the Yep. percentages go back to the way they should be. Okay. In addition to that, there's that Benelon option that I mentioned last time, which wasn't performing too well. I'm switching that one out for a Yes. lower fee index fund. Okay.","start_word":1436,"end_word":1614,"sentiment":"neutral","sentiment_score":0.10806376487016678},{"text":"What that basically does is it chops 80% of the investment fees for that option because it's much, much more affordable, and it has much better performance.","start_word":1615,"end_word":1641,"sentiment":"positive","sentiment_score":0.3748739957809448},{"text":"One, Yep. three, five, and ten years. Yep. So one switch out, a rebalance of the rest, and what that'll essentially do and I'll just give you the figures here.","start_word":1642,"end_word":1671,"sentiment":"neutral","sentiment_score":0.14973092079162598},{"text":"So it should save, just based on the current balance, $85 in investment fees for a cost of $15 in capital gains tax under the hood, which was basically nothing, and improve the returns from, like, a 9% average to an 11% average. And that Yep. should basically, if you put in $20 a week, trim down the premiums, and switch the investments, we go from going backwards in terms of your account balance going down back into the positive. So instead Yep. of going from 65,000 to 42,000, we're now going from 65 to 75, and we're starting to grow it again.","start_word":1672,"end_word":1774,"sentiment":"positive","sentiment_score":0.47407302260398865},{"text":"Yeah. I can. Because Does that before make sense? I yeah. Yeah. It does. Before I was jumped over to you guys, I was with the Australian Super. And over the years, that just kept growing without me putting stuff in. Yeah. And it got up to the 60 odd thousand without doing anything. I think some low fees And really I contribute I to that, especially yes. those insurance premiums. Yeah. Well, that's when That's I that's when I looked at it and gone, oh, hang the on. Insurance premium is basically big taking everything that I issue. one. Exactly. Yeah. We're we're I Australian as I said, we're Australian, so we're still making money I except for the insurance fees. That's when it sort just of didn't go backwards a little bit, but it want sort of, I think, evened out. It was the same Exactly. amount of from the year before. I guess the easiest way to think about it now is if you've got 65,000 and you get, like, that 11% growth, you get, like, 7 Yep. grands in the super. Yes.","start_word":1775,"end_word":1960,"sentiment":"neutral","sentiment_score":0.11460797488689424},{"text":"And rather than $6, 6.5 coming out for premiums, now you're getting a profit.","start_word":1961,"end_word":1974,"sentiment":"positive","sentiment_score":0.4472590386867523},{"text":"Yeah. Yep. Yep. No. That's right. So that's where And we wanna any be. and We any wanna more be is slowly a bonus. growing it. Exactly. Yep. Okay. Just bear in mind, I guess, my usual disclaimer is that because the market goes up and down, when we talk about that 11% return or or the figure we're aiming for, that's an average Yep. over, say, three and five years. Because Yep. in the middle of the year, it's gonna go up $10, down $5, and da da da da da. And once you spread it out over a long enough time period, then you start to hit that average of, you know, nine to 11. Yeah. Yeah. No. No. I I understand that totally. And I think we've got yours listed to about seven years I've projected in the document. Okay. K. Outside of that, so, again, switch out one option, rebalance the rest, start putting some small contributions in, trim down the Yes. premiums. It still keeps your your asset allocation, you know, how much is in the shares, property, and gold at that kind of 90 to 92% range, which is in line with that high growth profile Yep. that we were Yeah. No worries. If we if we jumped on the globe when we first started, we'd be multimillionaires now. talking about. Cool. Oh, yeah.","start_word":1975,"end_word":2204,"sentiment":"neutral","sentiment_score":0.05572185268544633},{"text":"It's been real fun.","start_word":2205,"end_word":2208,"sentiment":"positive","sentiment_score":0.5035743117332458},{"text":"I think inside your portfolio, you've still got 9% in there in gold, so Yep.","start_word":2209,"end_word":2223,"sentiment":"neutral","sentiment_score":0.27371731400489807},{"text":"it's been really helpful.","start_word":2224,"end_word":2227,"sentiment":"positive","sentiment_score":0.4622887372970581},{"text":"You've had a lot of fun with the the old battery tech and lithium, you know, like electric vehicles everyone's been Yes, buying lately. ma'am.","start_word":2228,"end_word":2252,"sentiment":"neutral","sentiment_score":0.2004317045211792},{"text":"So those ones have been going great.","start_word":2253,"end_word":2259,"sentiment":"positive","sentiment_score":0.5274556875228882},{"text":"Those are the ones with the highest returns for you, the gold, the battery tech, and that kind of thing. It's really just that one bed along option that was really dragging its feet. Okay. So that one's getting switched out, and we're good to No worries. Now quick question with it. Talk about battery and technologies. With the I'm not sure if it's next year or the year after. With the federal legislation they're gonna start. Someone mentioned about a fee. Okay. Oh, like, the the the fringe benefits tax changes or something Not not not no. Something different. It's more of a it's like a tax on it, but it's a no. I forget what it was. Like, is it 3<unk> per kilometer if you use over so much going on to your when when you do your rego, you've gotta put how many k's you've done for the year. Oh, is that a a state one Federal. or a federal legislation? I'll have to look into that one and double check it. I wasn't sure if you're referring to anything on, you know, petrol vehicle taxes or No. if No. it's No. just No. No. a, It's you more know, punishment yeah. for the old truck drivers. No. It's more like, if you go battery, they're gonna need to a levy. Yes. That's the one. That's the word I'm looking for, levy on the EVs and things like even the hybrids are gonna get charged some as I'll have to have a little look at it. I well. know It that just have a would that would that affect the purchases of the EVs and things like that? a little bit.","start_word":2260,"end_word":2544,"sentiment":"neutral","sentiment_score":-0.06457319957645316},{"text":"So anything like that that's detrimental to that industry affects it, but then this also invests, like, worldwide.","start_word":2545,"end_word":2562,"sentiment":"negative","sentiment_score":-0.33588263392448425},{"text":"So for example, if Australia put a bit of a tax on EVs, that would do a bit of a dip, but that wouldn't Yep. obviously impact if everyone's buying them in Germany and America and Yeah. China and all the rest. No. That's alright. I just thought I'd I don't know if you if you heard about it or not. I'm just that's something that you could possibly factor into, obviously, battery technology and stuff like that. Yeah. And I can see that there. They're talking about the 3<unk> per ton kilometer rate. Yeah. Yeah. Yes. Absolutely.","start_word":2563,"end_word":2661,"sentiment":"neutral","sentiment_score":-0.0849979817867279},{"text":"I don't expect it to, you know, crash the industry worldwide. So No. that No. option is not gonna get wiped out, but, you know, everything like that, country by country, does impact things a little bit.","start_word":2660,"end_word":2696,"sentiment":"negative","sentiment_score":-0.4774097800254822},{"text":"Yep. Yeah. Because I've just someone's suggested that and that's why. Because there's another guy now. He's actually just bought an electric van to run himself around with his work. Okay. He's saving a Okay. lot on fuel, but I think three days out of the five, he's gotta sit there and charge himself for an hour So because it's he's gotten not yeah. always What does that No. Excuse me. available? So he charges at night, but by the time he'd lost to charge it off peak, of course, as well. But he starts ridiculous sales like I do at anywhere between twelve and two in the morning, I believe. And it's just he's off peak charging doesn't get him to charge it probably, but then he lose out of power. He said, oh, I should get one. This is him. I should get one. I said, mate, well, one, every second or say every Friday, I'll go up to Aubrey And Beck. There's 800 kilometers before I start. And there's occasionally there's a job where I go all the way up to, Gungaguy, up near the ACT border, and that's a 1,200 k turnaround for the day. How many cases at last? Well, I don't know. So they it's me driving Probably nowhere my own near vehicle. 800, No.","start_word":2697,"end_word":2917,"sentiment":"neutral","sentiment_score":-0.09878093004226685},{"text":"No. It wouldn't be wouldn't be viable though. No. as a vehicle.","start_word":2918,"end_word":2929,"sentiment":"negative","sentiment_score":-0.4206588566303253},{"text":"Especially the amount of times you'd have to find somewhere that had the plug in points to charge this thing along the way. And if you're in the middle of nowhere, I'm not gonna say what creek you're up. Yeah. In a barbed or canoe. That's the one. That's the one. And you'd you'd almost have to carry a generator with you. Maybe some guys do. I haven't looked Well, there has been a meme on Facebook where a bloke drives a Tesla stuck in a traffic jam. He's got his generator in the boot. You know, I'm charging his car while he's sitting there. into it. Oh, classic. Classic. Yeah. I don't have one myself, but they're all the rage at the moment. Yeah. Look.","start_word":2930,"end_word":3055,"sentiment":"neutral","sentiment_score":-0.1392346498157297},{"text":"I've had I've had cars go past me, and you can't hear them until they're right next to you, which is pretty scary.","start_word":3056,"end_word":3078,"sentiment":"negative","sentiment_score":-0.44097039103508},{"text":"Yeah. Quiet. Yeah. Yes. So I don't think I'll be getting one in a hurry. No. No. I won't put that down as one of the the goals. We'll No. stick with the tried and true for the time being. It even though diesel costs a small portion, I'm still sticking to diesel. Absolutely. And look, the prices have just spiked up again, but we do what we do. Do what we Yes. need to Exactly. do. We need to invest in a refinery. Yeah. Well, I won't jump into that with you today, but it's definitely something that we shouldn't be importing so many things. But maybe one day. Give it a generation or three, and they might wake up. Yes. Speaking of generations, Yes. Chris, I had your your partner listed to go on to the beneficiary nominations for the life insurance Alright. and the super. Yep. I did mention at the start of the call that I can prefill the forms for you. Yes. So just because it is a recorded line, what I'll do is sorry for reasking information that we already know. But if I can grab her full legal name, date of birth, and if she's at the same address, I can put all that on Yes. there for you. Is that the same address? Elizabeth Florence Hanson? Elizabeth Lawrence Hanson. Yep. Today is the twenty fifth September seventy two nineteen seventy two. Yep. 09/25/1972. Elizabeth Florence Hanson. And what we were doing is putting her as a 100% Yep. legally binding and non lapsing so it doesn't expire.","start_word":3079,"end_word":3343,"sentiment":"neutral","sentiment_score":-0.041278089386112285},{"text":"Cool. Beautiful.","start_word":3344,"end_word":3345,"sentiment":"positive","sentiment_score":0.8069406151771545},{"text":"There is one last thing that I'll let you know. There's some reminders in there about wills and powers of attorney and everything. Yep. With the investments, I did have a look at I spoke to you about possibly looking at an SMA bubble structure so that we can make changes throughout the year. Yep. The comparison didn't look very good in terms of capital gains tax for the super and the way the performance was looking. So if we need to change anything again at the next review, I'd have to just update this plan with anything else Yep. that we wanna do. If it does swing into first position, then I'll probably look at switching you into that so it's a bit easier throughout the year. Yep. But at this point, it's a bit of an engine tune rather than switching vehicles. Yep. No worries. Cool. The only other one that's in there as well is the service agreement for us to remain advisers on hub. So, obviously, we can't touch anything unless we have consent, and Yep. our fees are still the same, the 1.65% on there Yep. as well. Cool. So pre fill the beneficiary nominations for one path and hub twenty four. Once you get that one signed, we do the investment switches online for you, Yep. usually on a Friday. Might not get it in for tomorrow unless we sign today, but it might be next week. I will send you the contribution details to start putting the $20 into the super. What will basically Yep. happen from there is that in June, we'll give you a call to let you know sort of how much has gone in, and there's, like, a one one form that can claim it all as a tax Okay. deduction. So what we basically do is just let the $20 come in. And then come June after the financial year ends, you sign that form to claim it. We send it to the superfund. They tell the tax office that we're claiming it, and they give you a confirmation letter to bring to your for your tax return to be completed. No worries. Cool. Does that make sense? I know it's a bit of a Yes. Yeah. process. No. No. I don't. No. No. I understand that. Perfect. I understand Yeah. things if things are explained to me. Oh, cool. Do you feel Yes. like I've explained it in a way that makes sense? Yeah. Yeah. Yeah. Yeah. It does. Yeah.","start_word":3346,"end_word":3768,"sentiment":"neutral","sentiment_score":0.09206630909555628},{"text":"Awesome. That's what we're here for.","start_word":3769,"end_word":3774,"sentiment":"positive","sentiment_score":0.3923506736755371},{"text":"Again, like, I'm not trying to turn you into No. a No. stock No. broker or a fund manager, No. but No. I No. just wanna make sure, you know, you're happy with what we're doing with your money. You know, or it's a was it auditory processing? I have a I think I believe I haven't been diagnosed, but my daughter has. So I I believe I've got that myself. So better on the verbals than than the reading. Yes. Yes. Yep. Yes. Cool. So I'll make sure that we never send you a document out willy nilly for you to sort of sign without someone at least talking you through it to make sure Yep. that, you know, everything's above board. Yeah. No worries.","start_word":3775,"end_word":3900,"sentiment":"neutral","sentiment_score":-0.001718527521006763},{"text":"Awesome, Chris. Mate, it's been a pleasure this morning. That's pretty much everything I had to go over with you.","start_word":3901,"end_word":3920,"sentiment":"positive","sentiment_score":0.6395615935325623},{"text":"It's just the plan. We'll send you out those beneficiary forms, contribution Yep. details. Any questions for me? No. I don't think so. I think I've asked them as I went.","start_word":3921,"end_word":3951,"sentiment":"neutral","sentiment_score":0.07588264346122742},{"text":"Amazing.","start_word":3952,"end_word":3952,"sentiment":"positive","sentiment_score":0.4450199902057648},{"text":"Again, I've put all this down on the file. So if anyone calls up with any questions, we've got all the information about what we spoke about. And Yep. from there, the team will basically just reach out with some updates and reminders as we go through.","start_word":3953,"end_word":3999,"sentiment":"neutral","sentiment_score":0.23278135092968635},{"text":"Awesome, mate. Alrighty. I will let you go. Thank you so much for your time Yep. today. I thank you very much. As I said, I'm glad I got you before he got into something else. Absolutely, Chris. And, look, thank you so much for calling back in as well. Appreciate that. Yeah. Not a problem. Alright, mate. See you later. Thank you Yep. so much. Thanks, Tom. Bye.","start_word":4000,"end_word":4068,"sentiment":"positive","sentiment_score":0.5930711030960083},{"text":"Bye.","start_word":4069,"end_word":4069,"sentiment":"neutral","sentiment_score":0.2546287477016449}],"average":{"sentiment":"neutral","sentiment_score":0.0610018814368904}}}}