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So it's just that croche sound that can hang on for a couple of days. Me. Sorry. I had you booked in just a bit of a follow-up. You sent me an email saying you'd have some changes to your to your retirement plan. Yeah. That's okay. It's not a problem at all. Are you both is Caroline there as well, or did you just wanna run through things with me? Yeah. How are you? Hi. How's it going? What I'll do firstly is I just have to let you both know we do record our calls for quality and training purposes. Are you happy to proceed with that? Yep. Beautiful. And I'll just do security there with you real quick. I'll just get you confirm your date of birth, age, and your address. Yep. Perfect. Yep. Beautiful. Thank you so much for that. Perfect. So how can I help? What sort of changes are we thinking about? Yes. Yep. Okay. Yep. Okay. So when we talk about retiring now, essentially, in order to access super at the age of 60, you have to have the intention of never going back to work again. There's obviously nothing in legislation that says that you don't that you don't that you, you know, can't go back to work in the future. However, you have to have the intention that you are technically going to retire. So have you because, Neil, this would be yourself because Carolyn's not quite 60 until September. So you would be essentially retiring? Yep. Okay. When are you thinking of doing this? Yep. No. That's okay. That's okay. What date are you what date are you hoping to what date do you think you would like to retire? Because, essentially, for this to happen, all you need to do is tell me what date you're gonna retire. You just need to let your employer know and then confirm once that's occurred. We have almost completed all the advice we needed, so I do apologize. It has taken a bit longer to get the advice up to date. But I can have this done in the next sort of three weeks for you to finalize things. But when are you sort of thinking you are gonna stop working completely? Mid May? Yep. Okay. Perfect. We have a few weeks there. Yeah. No. Not a problem at all. Mid May. Beautiful. All good. And are you just wanting to take, like, a lump sum out of super, or what's your sort of plan? Mhmm. Okay. So so the two mortgages and the car, 160,000. Yep. Perfect. Not a problem at all. Because I'm just having a look at the fact find I had here as well. Fact find. So we can do this essentially one of two ways. I can do the advice up as we were originally planning, or I can just suggest the advice to say that because you're, you know, planning to retire mid May, you just need to essentially let us know when that happens, and the advice will then be for you to withdraw the 160,000. And then because Carolyn will still be working until September. Income wise, because, realistically, I can't put the advice document together that says that you're gonna retire, draw some money out, and go back to work. That's not ethically right under the legislation. Essentially, are you just wanting me to do just a limited scope advice to show maybe making changes to the investment portfolio for you? And then also just when you retire, drawing down some drawing down that amount, you need the 160 k. And then we can look at further advice, you know, down the track. Or what would you like? Is that okay? That's okay? Beautiful. Sorry. I'm just trying to kinda piece together what I what I can do for you, but just making sure I'm not, you know I've gotta be really ethical about things the way they work as well. So I can do that limited scope for you to do it that way. And then, Carolyn, when you retire, also, when you stop working at age 60 in September, are you still wanting to draw down your super as well, or what's the plan with that? You'll probably still draw that down? Okay. Okay. Okay. Yeah. Nice. Oh, lovely. Mhmm. Okay. Beautiful. Beautiful. And, Neil, when you do happen to retire in, say, mid May, are you gonna have much in the way of long service leave, sick leave, annual leave, things like that? It won't be sick leave. So the annual leave or long service leave that they'll pay out on top of that or that you know? Yep. Okay. Do you know how much yeah. Okay. Fourteen years. Perfect. Yep. Okay. No worries at all. So at the moment, we're just focused on you retiring, and then when you're ready to go back to see if they'll maybe take you back if you, you know, decide to later down the track. Yep. Did you want me to factor into the advice piece maybe, sorry, a regular withdrawal down to cover income costs, or do you think with the with the annual leave and the long service leave, you might be okay for the short period of time, and you wanna look at that down the track. Okay. Okay. Perfect. Excellent. Lovely. I'm so sorry. I'm just at the tail end of this cold, so I'm sort of trying to I'm so sorry, guys. Oh, you poor thing is they hang on a little bit, don't they? But I wanted to make sure I didn't I wanted to make sure I was here for your call. When I found out I was sick on the weekend, I thought, no. I can't not be there on Monday for Neil and Carolyn. I felt bad. It had to be a few weeks down the track from when you emailed me. So I was like, no. I don't wanna have to reschedule you guys. All good. So with the advice piece, essentially, I'll do the research. We'll have a I'll finish the research off for you. We'll be looking at Neil retiring amount about mid May there. You don't need any long term income at the moment. We can kinda scope that out for the moment and come back to that sort of after after you've had your retirement and you've, you know, close to using up all your income. Carolyn, you'll be wanting to, in September at the moment, drawing at half of your super, And near when you retire, we'll draw a 160,000 out, leave the rest invested, and I'll just look at altering the portfolio as we kinda discussed earlier. Does that sound right? Have I missed anything at all or no? Beautiful. Fantastic. Excellent. So once you've had that meeting with them, can you just email me, Neil? Let me know the date that you're hoping to retire. I am away over the Easter break. I'm so sorry. I'm taking some time for my little boy. But can I book you guys in for when I come back maybe the week of the April 20 to have that advice presented to you? Is that okay? Beautiful. I act beautiful. I actually have 6PM available on Monday, so I'm going to block that one out for you guys if that's okay. 6PM actually, we're gonna be because you guys are in WA. No. It's still two hours behind, so that's still 04:00. That still works out. Yeah. Beautiful. It does. I'm sorry. I always get mixed up a little bit because I'm actually living in New South Wales, and I drive into Queensland for work. So when I'm talking to you guys, if I'm in New South Wales, you're three hours behind me. But if I'm in Queensland, you're only two hours behind me. So There we go. Perfect. So I'll book that one there for you. Now since we kinda did the research there, I know interest rates definitely have changed on your mortgage there at the moment. Did you want me to update the interest rates and maybe factor in changes to interest rates on the loans? Are you happy just knowing the 160 will cover everything and pay it out? Yep. Beautiful. Yep. Yep. Yep. That's the debt. Yeah. No. That's okay. That's not a problem. Well, I can absolutely go back and update this advice. I'll have it ready for you for Monday, the twentieth. We'll go through things in a bit of detail, and then you guys get to take it back and have a really good rate of of everything. Does that sound okay? Beautiful. Is there anything else that I might have missed that you might wanna incorporate? Or when you retire yes. So in order to withdraw the funds out, there will be a form, but it's easy to do. It's just a tick box to say that you confirm that you've officially retired, you have no intention of going back to work, and that you're over the age of 60. And, yeah, once you tick that box, it's fine. We'll get bank details, but we'll do that when we get to the implementation side and need to draw the funds out. We don't need any of that right at the moment, which is a good thing. And, yeah, like, you're 16 now. So as soon as you give me the date, I've got a bit of an idea on when we're working with. And in the meantime, I can get everything else together for you and get that advice ready to go. Okay? Perfect. Perfect. Really excited for you at the same time. Debt free. You'll be living everyone's dream. And oh. It's it's yeah. Oh, that's so beautiful, though. That's fantastic. And I have to ask the hybrid caravan because, like, I didn't realize you could get hybrid caravans. What is it the same as having a hybrid vehicle? What kinda makes it hybrid? Yep. Okay. Yeah. That's fantastic. Yeah. That that's fantastic. That'll kinda open up so many more areas for you to travel to and enjoy. Yeah. Beautiful. Yeah. No. That is fantastic. I love that. Beautiful. Well, I will get cracking and update this advice space. If there's anything else that you guys think of that you might need, don't ever hesitate. I can always go back and rejig things nice and quickly for you. I'll send you an email afterwards just with the updated time and date for your presentation just so you have that there. I've added a text message reminder as well for you. And, yeah, we'll get everything together, make it nice and done. So we have it by the so we can present on the April 20, and then we've got a bit of time there to read it over. And then once you retire, we can take some money. I love it. Beautiful. Beautiful. If there's anything you think of or any changes, don't ever hesitate. Always let me know. I'm more than happy to make time to have a chat with you guys. Okay? Beautiful. My pleasure. Thank you so much for your time. I hope you have both have a lovely evening. Thanks. Talk soon. See you later. 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Neil. It's Dana from OKIE Finance. How are you this afternoon? I have. I'm so sorry.\n\nThat's fine. No. I know. Oh, no. This is the tail end of it.\n\nSo it's just that croche sound that can hang on for a couple of days. Me. Sorry. I had you booked in just a bit of a follow-up. You sent me an email saying you'd have some changes to your to your retirement plan.\n\nYeah. That's okay. It's not a problem at all. Are you both is Caroline there as well, or did you just wanna run through things with me? Yeah.\n\nHow are you? Hi. How's it going? What I'll do firstly is I just have to let you both know we do record our calls for quality and training purposes. Are you happy to proceed with that?\n\nYep. Beautiful. And I'll just do security there with you real quick. I'll just get you confirm your date of birth, age, and your address. Yep.\n\nPerfect. Yep. Beautiful. Thank you so much for that. Perfect.\n\nSo how can I help? What sort of changes are we thinking about? Yes. Yep. Okay.\n\nYep. Okay. So when we talk about retiring now, essentially, in order to access super at the age of 60, you have to have the intention of never going back to work again. There's obviously nothing in legislation that says that you don't that you don't that you, you know, can't go back to work in the future. However, you have to have the intention that you are technically going to retire.\n\nSo have you because, Neil, this would be yourself because Carolyn's not quite 60 until September. So you would be essentially retiring? Yep. Okay. When are you thinking of doing this?\n\nYep. No. That's okay. That's okay. What date are you what date are you hoping to what date do you think you would like to retire?\n\nBecause, essentially, for this to happen, all you need to do is tell me what date you're gonna retire. You just need to let your employer know and then confirm once that's occurred. We have almost completed all the advice we needed, so I do apologize. It has taken a bit longer to get the advice up to date. But I can have this done in the next sort of three weeks for you to finalize things.\n\nBut when are you sort of thinking you are gonna stop working completely? Mid May? Yep. Okay. Perfect.\n\nWe have a few weeks there. Yeah. No. Not a problem at all. Mid May.\n\nBeautiful. All good. And are you just wanting to take, like, a lump sum out of super, or what's your sort of plan? Mhmm. Okay.\n\nSo so the two mortgages and the car, 160,000. Yep. Perfect. Not a problem at all. Because I'm just having a look at the fact find I had here as well.\n\nFact find. So we can do this essentially one of two ways. I can do the advice up as we were originally planning, or I can just suggest the advice to say that because you're, you know, planning to retire mid May, you just need to essentially let us know when that happens, and the advice will then be for you to withdraw the 160,000. And then because Carolyn will still be working until September. Income wise, because, realistically, I can't put the advice document together that says that you're gonna retire, draw some money out, and go back to work.\n\nThat's not ethically right under the legislation. Essentially, are you just wanting me to do just a limited scope advice to show maybe making changes to the investment portfolio for you? And then also just when you retire, drawing down some drawing down that amount, you need the 160 k. And then we can look at further advice, you know, down the track. Or what would you like?\n\nIs that okay? That's okay? Beautiful. Sorry. I'm just trying to kinda piece together what I what I can do for you, but just making sure I'm not, you know I've gotta be really ethical about things the way they work as well.\n\nSo I can do that limited scope for you to do it that way. And then, Carolyn, when you retire, also, when you stop working at age 60 in September, are you still wanting to draw down your super as well, or what's the plan with that? You'll probably still draw that down? Okay. Okay.\n\nOkay. Yeah. Nice. Oh, lovely. Mhmm.\n\nOkay. Beautiful. Beautiful. And, Neil, when you do happen to retire in, say, mid May, are you gonna have much in the way of long service leave, sick leave, annual leave, things like that? It won't be sick leave.\n\nSo the annual leave or long service leave that they'll pay out on top of that or that you know? Yep. Okay. Do you know how much yeah. Okay.\n\nFourteen years. Perfect. Yep. Okay. No worries at all.\n\nSo at the moment, we're just focused on you retiring, and then when you're ready to go back to see if they'll maybe take you back if you, you know, decide to later down the track. Yep. Did you want me to factor into the advice piece maybe, sorry, a regular withdrawal down to cover income costs, or do you think with the with the annual leave and the long service leave, you might be okay for the short period of time, and you wanna look at that down the track. Okay. Okay.\n\nPerfect. Excellent. Lovely. I'm so sorry. I'm just at the tail end of this cold, so I'm sort of trying to I'm so sorry, guys.\n\nOh, you poor thing is they hang on a little bit, don't they? But I wanted to make sure I didn't I wanted to make sure I was here for your call. When I found out I was sick on the weekend, I thought, no. I can't not be there on Monday for Neil and Carolyn. I felt bad.\n\nIt had to be a few weeks down the track from when you emailed me. So I was like, no. I don't wanna have to reschedule you guys. All good. So with the advice piece, essentially, I'll do the research.\n\nWe'll have a I'll finish the research off for you. We'll be looking at Neil retiring amount about mid May there. You don't need any long term income at the moment. We can kinda scope that out for the moment and come back to that sort of after after you've had your retirement and you've, you know, close to using up all your income. Carolyn, you'll be wanting to, in September at the moment, drawing at half of your super, And near when you retire, we'll draw a 160,000 out, leave the rest invested, and I'll just look at altering the portfolio as we kinda discussed earlier.\n\nDoes that sound right? Have I missed anything at all or no? Beautiful. Fantastic. Excellent.\n\nSo once you've had that meeting with them, can you just email me, Neil? Let me know the date that you're hoping to retire. I am away over the Easter break. I'm so sorry. I'm taking some time for my little boy.\n\nBut can I book you guys in for when I come back maybe the week of the April 20 to have that advice presented to you? Is that okay? Beautiful. I act beautiful. I actually have 6PM available on Monday, so I'm going to block that one out for you guys if that's okay.\n\n6PM actually, we're gonna be because you guys are in WA. No. It's still two hours behind, so that's still 04:00. That still works out. Yeah.\n\nBeautiful. It does. I'm sorry. I always get mixed up a little bit because I'm actually living in New South Wales, and I drive into Queensland for work. So when I'm talking to you guys, if I'm in New South Wales, you're three hours behind me.\n\nBut if I'm in Queensland, you're only two hours behind me. So There we go. Perfect. So I'll book that one there for you. Now since we kinda did the research there, I know interest rates definitely have changed on your mortgage there at the moment.\n\nDid you want me to update the interest rates and maybe factor in changes to interest rates on the loans? Are you happy just knowing the 160 will cover everything and pay it out? Yep. Beautiful. Yep.\n\nYep. Yep. That's the debt. Yeah. No.\n\nThat's okay. That's not a problem. Well, I can absolutely go back and update this advice. I'll have it ready for you for Monday, the twentieth. We'll go through things in a bit of detail, and then you guys get to take it back and have a really good rate of of everything.\n\nDoes that sound okay? Beautiful. Is there anything else that I might have missed that you might wanna incorporate? Or when you retire yes. So in order to withdraw the funds out, there will be a form, but it's easy to do.\n\nIt's just a tick box to say that you confirm that you've officially retired, you have no intention of going back to work, and that you're over the age of 60. And, yeah, once you tick that box, it's fine. We'll get bank details, but we'll do that when we get to the implementation side and need to draw the funds out. We don't need any of that right at the moment, which is a good thing. And, yeah, like, you're 16 now.\n\nSo as soon as you give me the date, I've got a bit of an idea on when we're working with. And in the meantime, I can get everything else together for you and get that advice ready to go. Okay? Perfect. Perfect.\n\nReally excited for you at the same time. Debt free. You'll be living everyone's dream. And oh. It's it's yeah.\n\nOh, that's so beautiful, though. That's fantastic. And I have to ask the hybrid caravan because, like, I didn't realize you could get hybrid caravans. What is it the same as having a hybrid vehicle? What kinda makes it hybrid?\n\nYep. Okay. Yeah. That's fantastic. Yeah.\n\nThat that's fantastic. That'll kinda open up so many more areas for you to travel to and enjoy. Yeah. Beautiful. Yeah.\n\nNo. That is fantastic. I love that. Beautiful. Well, I will get cracking and update this advice space.\n\nIf there's anything else that you guys think of that you might need, don't ever hesitate. I can always go back and rejig things nice and quickly for you. I'll send you an email afterwards just with the updated time and date for your presentation just so you have that there. I've added a text message reminder as well for you. And, yeah, we'll get everything together, make it nice and done.\n\nSo we have it by the so we can present on the April 20, and then we've got a bit of time there to read it over. And then once you retire, we can take some money. I love it. Beautiful. Beautiful.\n\nIf there's anything you think of or any changes, don't ever hesitate. Always let me know. I'm more than happy to make time to have a chat with you guys. Okay? Beautiful.\n\nMy pleasure. Thank you so much for your time. I hope you have both have a lovely evening. Thanks. Talk soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Neil.","start":3.04,"end":3.52,"sentiment":"neutral","sentiment_score":0.11036636680364609},{"text":"It's Dana from OKIE Finance.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":0.1780020534992218},{"text":"How are you this afternoon?","start":5.2799997,"end":6.58,"sentiment":"neutral","sentiment_score":0.21115096509456635},{"text":"I have.","start":9.5199995,"end":10.16,"sentiment":"neutral","sentiment_score":-0.2813480570912361},{"text":"I'm so sorry.","start":10.16,"end":11.139999,"sentiment":"neutral","sentiment_score":-0.24141394595305124}],"sentiment":"neutral","sentiment_score":0.05173881614909453,"num_words":17,"start":3.04,"end":11.139999},{"sentences":[{"text":"That's fine.","start":12.375,"end":14.315,"sentiment":"neutral","sentiment_score":0.0031905490905046463},{"text":"No.","start":14.375,"end":14.775,"sentiment":"neutral","sentiment_score":-0.20232126116752625},{"text":"I know.","start":14.775,"end":15.434999,"sentiment":"neutral","sentiment_score":-0.19883403182029724},{"text":"Oh, no.","start":16.375,"end":17.015,"sentiment":"neutral","sentiment_score":-0.24666471034288406},{"text":"This is the tail end of it.","start":17.015,"end":18.455,"sentiment":"neutral","sentiment_score":-0.31999750648226055}],"sentiment":"neutral","sentiment_score":-0.23763715662062168,"num_words":14,"start":12.375,"end":18.455},{"sentences":[{"text":"So it's just that croche sound that can hang on for a couple of days.","start":18.455,"end":22.075,"sentiment":"negative","sentiment_score":-0.35099151929219563},{"text":"Me.","start":24.869999,"end":25.349998,"sentiment":"neutral","sentiment_score":-0.026763197034597397},{"text":"Sorry.","start":25.349998,"end":25.849998,"sentiment":"neutral","sentiment_score":-0.0910048484802246},{"text":"I had you booked in just a bit of a follow-up.","start":26.39,"end":28.55,"sentiment":"neutral","sentiment_score":-0.0249663663350723},{"text":"You sent me an email saying you'd have some changes to your to your retirement plan.","start":28.55,"end":33.29,"sentiment":"neutral","sentiment_score":-0.0051315188175067306}],"sentiment":"neutral","sentiment_score":-0.1304403446741741,"num_words":44,"start":18.455,"end":33.29},{"sentences":[{"text":"Yeah.","start":34.949997,"end":35.27,"sentiment":"neutral","sentiment_score":0.16439786553382874},{"text":"That's okay.","start":35.27,"end":35.829998,"sentiment":"neutral","sentiment_score":0.3028915524482727},{"text":"It's not a problem at all.","start":35.829998,"end":37.449997,"sentiment":"positive","sentiment_score":0.3637433350086212},{"text":"Are you both is Caroline there as well, or did you just wanna run through things with me?","start":38.025,"end":42.185,"sentiment":"neutral","sentiment_score":0.10197816499405438},{"text":"Yeah.","start":42.185,"end":42.585003,"sentiment":"neutral","sentiment_score":0.13182345032691956}],"sentiment":"neutral","sentiment_score":0.17571683573935712,"num_words":28,"start":34.949997,"end":42.585003},{"sentences":[{"text":"How are you?","start":42.585003,"end":43.465,"sentiment":"neutral","sentiment_score":0.1536452571551005},{"text":"Hi.","start":43.465,"end":43.965,"sentiment":"neutral","sentiment_score":0.1013897955417633},{"text":"How's it going?","start":45.945,"end":46.845,"sentiment":"neutral","sentiment_score":0.17369134724140167},{"text":"What I'll do firstly is I just have to let you both know we do record our calls for quality and training purposes.","start":46.985,"end":51.865,"sentiment":"neutral","sentiment_score":0.11186652598173721},{"text":"Are you happy to proceed with that?","start":51.865,"end":53.725002,"sentiment":"neutral","sentiment_score":0.13948789983987808}],"sentiment":"neutral","sentiment_score":0.12520932446460467,"num_words":37,"start":42.585003,"end":53.725002},{"sentences":[{"text":"Yep.","start":55.359997,"end":55.679996,"sentiment":"neutral","sentiment_score":0.16636711359024048},{"text":"Beautiful.","start":55.679996,"end":56.079998,"sentiment":"positive","sentiment_score":0.4565066993236542},{"text":"And I'll just do security there with you real quick.","start":56.079998,"end":58.079998,"sentiment":"neutral","sentiment_score":0.23428331613540648},{"text":"I'll just get you confirm your date of birth, age, and your address.","start":58.079998,"end":61.3,"sentiment":"neutral","sentiment_score":0.11996007997256058},{"text":"Yep.","start":66.255005,"end":66.755005,"sentiment":"neutral","sentiment_score":0.03482545167207718}],"sentiment":"neutral","sentiment_score":0.17538513329166633,"num_words":26,"start":55.359997,"end":66.755005},{"sentences":[{"text":"Perfect.","start":68.095,"end":68.595,"sentiment":"neutral","sentiment_score":0.1074695736169815},{"text":"Yep.","start":69.775,"end":70.275,"sentiment":"neutral","sentiment_score":0.038376547396183014},{"text":"Beautiful.","start":72.655,"end":73.155,"sentiment":"positive","sentiment_score":0.52989661693573},{"text":"Thank you so much for that.","start":73.295,"end":74.995,"sentiment":"positive","sentiment_score":0.6957254807154337},{"text":"Perfect.","start":75.215004,"end":75.715004,"sentiment":"positive","sentiment_score":0.5689926147460938}],"sentiment":"positive","sentiment_score":0.541908823698759,"num_words":10,"start":68.095,"end":75.715004},{"sentences":[{"text":"So how can I help?","start":75.775,"end":76.815,"sentiment":"neutral","sentiment_score":0.2977402627468109},{"text":"What sort of changes are we thinking about?","start":76.815,"end":78.995,"sentiment":"neutral","sentiment_score":0.03817802853882313},{"text":"Yes.","start":84.8,"end":85.3,"sentiment":"neutral","sentiment_score":-0.006240665912628174},{"text":"Yep.","start":88.48,"end":88.98,"sentiment":"neutral","sentiment_score":0.004619247280061245},{"text":"Okay.","start":93.695,"end":94.195,"sentiment":"neutral","sentiment_score":0.040043000131845474}],"sentiment":"neutral","sentiment_score":0.11453419522149488,"num_words":16,"start":75.775,"end":94.195},{"sentences":[{"text":"Yep.","start":96.735,"end":97.235,"sentiment":"neutral","sentiment_score":0.013636535964906216},{"text":"Okay.","start":101.535,"end":102.035,"sentiment":"neutral","sentiment_score":-0.018713463097810745},{"text":"So when we talk about retiring now, essentially, in order to access super at the age of 60, you have to have the intention of never going back to work again.","start":102.815,"end":112.939995,"sentiment":"neutral","sentiment_score":-0.003903185869867523},{"text":"There's obviously nothing in legislation that says that you don't that you don't that you, you know, can't go back to work in the future.","start":113.0,"end":119.659996,"sentiment":"neutral","sentiment_score":-0.07615863054990768},{"text":"However, you have to have the intention that you are technically going to retire.","start":120.045,"end":123.665,"sentiment":"neutral","sentiment_score":0.05115271865257195}],"sentiment":"neutral","sentiment_score":-0.018248658218201146,"num_words":72,"start":96.735,"end":123.665},{"sentences":[{"text":"So have you because, Neil, this would be yourself because Carolyn's not quite 60 until September.","start":125.165,"end":130.065,"sentiment":"neutral","sentiment_score":0.02749533310998231},{"text":"So you would be essentially retiring?","start":130.285,"end":132.625,"sentiment":"neutral","sentiment_score":0.02200687738756339},{"text":"Yep.","start":134.72,"end":134.96,"sentiment":"neutral","sentiment_score":0.09343098104000092},{"text":"Okay.","start":134.96,"end":135.36,"sentiment":"neutral","sentiment_score":0.07227584719657898},{"text":"When are you thinking of doing this?","start":135.36,"end":137.14,"sentiment":"neutral","sentiment_score":0.04783295361059053}],"sentiment":"neutral","sentiment_score":0.03459690637405841,"num_words":31,"start":125.165,"end":137.14},{"sentences":[{"text":"Yep.","start":140.16,"end":140.56001,"sentiment":"neutral","sentiment_score":0.0698615312576294},{"text":"No.","start":140.56001,"end":140.8,"sentiment":"neutral","sentiment_score":0.05591171234846115},{"text":"That's okay.","start":140.8,"end":141.62001,"sentiment":"neutral","sentiment_score":0.1545196697115898},{"text":"That's okay.","start":141.68001,"end":142.42001,"sentiment":"neutral","sentiment_score":0.21466916054487228},{"text":"What date are you what date are you hoping to what date do you think you would like to retire?","start":143.28,"end":149.535,"sentiment":"neutral","sentiment_score":0.10060399509966374}],"sentiment":"neutral","sentiment_score":0.11062426177354959,"num_words":26,"start":140.16,"end":149.535},{"sentences":[{"text":"Because, essentially, for this to happen, all you need to do is tell me what date you're gonna retire.","start":149.535,"end":154.035,"sentiment":"neutral","sentiment_score":0.08342981299287394},{"text":"You just need to let your employer know and then confirm once that's occurred.","start":154.49501,"end":158.595,"sentiment":"neutral","sentiment_score":0.06581444825444903},{"text":"We have almost completed all the advice we needed, so I do apologize.","start":158.87,"end":162.01,"sentiment":"neutral","sentiment_score":-0.023726956775555245},{"text":"It has taken a bit longer to get the advice up to date.","start":162.06999,"end":165.53,"sentiment":"neutral","sentiment_score":-0.1977120706668267},{"text":"But I can have this done in the next sort of three weeks for you to finalize things.","start":166.23,"end":170.54999,"sentiment":"neutral","sentiment_score":-0.005116422764129109}],"sentiment":"neutral","sentiment_score":-0.006029016156862309,"num_words":77,"start":149.535,"end":170.54999},{"sentences":[{"text":"But when are you sort of thinking you are gonna stop working completely?","start":170.54999,"end":174.09,"sentiment":"neutral","sentiment_score":-0.13125883443997458},{"text":"Mid May?","start":179.345,"end":179.825,"sentiment":"neutral","sentiment_score":0.000102226622402668},{"text":"Yep.","start":179.825,"end":180.145,"sentiment":"neutral","sentiment_score":0.02960187755525112},{"text":"Okay.","start":180.145,"end":180.465,"sentiment":"neutral","sentiment_score":0.09855635464191435},{"text":"Perfect.","start":180.465,"end":180.865,"sentiment":"neutral","sentiment_score":0.273843914270401}],"sentiment":"neutral","sentiment_score":-0.07245323600040542,"num_words":18,"start":170.54999,"end":180.865},{"sentences":[{"text":"We have a few weeks there.","start":180.865,"end":181.905,"sentiment":"neutral","sentiment_score":0.06959640793502331},{"text":"Yeah.","start":181.905,"end":182.145,"sentiment":"neutral","sentiment_score":0.0574805773794651},{"text":"No.","start":182.145,"end":182.385,"sentiment":"neutral","sentiment_score":0.057289108633995056},{"text":"Not a problem at all.","start":182.385,"end":183.685,"sentiment":"neutral","sentiment_score":0.07025045230984688},{"text":"Mid May.","start":183.985,"end":184.725,"sentiment":"neutral","sentiment_score":0.25775115191936493}],"sentiment":"neutral","sentiment_score":0.09327351326743762,"num_words":15,"start":180.865,"end":184.725},{"sentences":[{"text":"Beautiful.","start":185.425,"end":185.925,"sentiment":"positive","sentiment_score":0.5958254337310791},{"text":"All good.","start":186.225,"end":187.045,"sentiment":"positive","sentiment_score":0.5353521406650543},{"text":"And are you just wanting to take, like, a lump sum out of super, or what's your sort of plan?","start":187.745,"end":193.76999,"sentiment":"neutral","sentiment_score":0.13218611441552638},{"text":"Mhmm.","start":197.90999,"end":198.40999,"sentiment":"neutral","sentiment_score":0.08168837428092957},{"text":"Okay.","start":212.72499,"end":213.22499,"sentiment":"neutral","sentiment_score":0.1033756509423256}],"sentiment":"neutral","sentiment_score":0.17981264114379883,"num_words":25,"start":185.425,"end":213.22499},{"sentences":[{"text":"So so the two mortgages and the car, 160,000.","start":214.45999,"end":223.84,"sentiment":"neutral","sentiment_score":0.11042800380123986},{"text":"Yep.","start":224.38,"end":224.88,"sentiment":"neutral","sentiment_score":0.28439566493034363},{"text":"Perfect.","start":225.58,"end":226.08,"sentiment":"positive","sentiment_score":0.6029292941093445},{"text":"Not a problem at all.","start":226.54,"end":227.84,"sentiment":"positive","sentiment_score":0.4630503594875336},{"text":"Because I'm just having a look at the fact find I had here as well.","start":229.505,"end":235.68501,"sentiment":"neutral","sentiment_score":0.11041508714358012}],"sentiment":"neutral","sentiment_score":0.18879532573684568,"num_words":31,"start":214.45999,"end":235.68501},{"sentences":[{"text":"Fact find.","start":239.10501,"end":239.925,"sentiment":"neutral","sentiment_score":0.0838954821228981},{"text":"So we can do this essentially one of two ways.","start":240.225,"end":242.64,"sentiment":"neutral","sentiment_score":0.07635774165391922},{"text":"I can do the advice up as we were originally planning, or I can just suggest the advice to say that because you're, you know, planning to retire mid May, you just need to essentially let us know when that happens, and the advice will then be for you to withdraw the 160,000.","start":243.12,"end":260.155,"sentiment":"neutral","sentiment_score":0.05115849630169149},{"text":"And then because Carolyn will still be working until September.","start":261.81497,"end":266.395,"sentiment":"neutral","sentiment_score":0.018966227769851685},{"text":"Income wise, because, realistically, I can't put the advice document together that says that you're gonna retire, draw some money out, and go back to work.","start":267.25497,"end":275.25,"sentiment":"neutral","sentiment_score":-0.16587582839509615}],"sentiment":"neutral","sentiment_score":-0.004755847285142039,"num_words":101,"start":239.10501,"end":275.25},{"sentences":[{"text":"That's not ethically right under the legislation.","start":275.25,"end":277.99,"sentiment":"neutral","sentiment_score":-0.23840707966259547},{"text":"Essentially, are you just wanting me to do just a limited scope advice to show maybe making changes to the investment portfolio for you?","start":279.65,"end":289.425,"sentiment":"neutral","sentiment_score":0.003365289575109879},{"text":"And then also just when you retire, drawing down some drawing down that amount, you need the 160 k.","start":289.425,"end":295.925,"sentiment":"neutral","sentiment_score":0.008372617150215726},{"text":"And then we can look at further advice, you know, down the track.","start":296.63,"end":300.41,"sentiment":"neutral","sentiment_score":0.015109634026885033},{"text":"Or what would you like?","start":300.47,"end":301.91,"sentiment":"neutral","sentiment_score":0.02603905349969864}],"sentiment":"neutral","sentiment_score":-0.016211505472550496,"num_words":68,"start":275.25,"end":301.91},{"sentences":[{"text":"Is that okay?","start":301.91,"end":302.81,"sentiment":"neutral","sentiment_score":0.0542693038781484},{"text":"That's okay?","start":304.55002,"end":305.35,"sentiment":"neutral","sentiment_score":0.15273310244083405},{"text":"Beautiful.","start":305.35,"end":305.85,"sentiment":"positive","sentiment_score":0.375887930393219},{"text":"Sorry.","start":306.23,"end":306.55002,"sentiment":"neutral","sentiment_score":-0.015502497553825378},{"text":"I'm just trying to kinda piece together what I what I can do for you, but just making sure I'm not, you know I've gotta be really ethical about things the way they work as well.","start":306.55002,"end":315.345,"sentiment":"neutral","sentiment_score":-0.09908974036160442}],"sentiment":"neutral","sentiment_score":-0.06368770008516866,"num_words":43,"start":301.91,"end":315.345},{"sentences":[{"text":"So I can do that limited scope for you to do it that way.","start":315.885,"end":319.505,"sentiment":"neutral","sentiment_score":0.01335585889007364},{"text":"And then, Carolyn, when you retire, also, when you stop working at age 60 in September, are you still wanting to draw down your super as well, or what's the plan with that?","start":319.64502,"end":331.3,"sentiment":"neutral","sentiment_score":-0.01564129540753184},{"text":"You'll probably still draw that down?","start":335.44,"end":337.13998,"sentiment":"neutral","sentiment_score":-0.03615096708138784},{"text":"Okay.","start":338.72,"end":339.22,"sentiment":"neutral","sentiment_score":-0.038393858820199966},{"text":"Okay.","start":343.375,"end":343.535,"sentiment":"neutral","sentiment_score":0.0478944331407547}],"sentiment":"neutral","sentiment_score":-0.009756108221005309,"num_words":55,"start":315.885,"end":343.535},{"sentences":[{"text":"Okay.","start":343.535,"end":344.035,"sentiment":"neutral","sentiment_score":0.037279728800058365},{"text":"Yeah.","start":351.295,"end":351.545,"sentiment":"positive","sentiment_score":0.39840927720069885},{"text":"Nice.","start":351.545,"end":352.045,"sentiment":"positive","sentiment_score":0.6378858685493469},{"text":"Oh, lovely.","start":356.8,"end":357.46,"sentiment":"neutral","sentiment_score":0.32521888613700867},{"text":"Mhmm.","start":359.76,"end":360.26,"sentiment":"neutral","sentiment_score":-0.02270190604031086}],"sentiment":"neutral","sentiment_score":0.2835517901306351,"num_words":6,"start":343.535,"end":360.26},{"sentences":[{"text":"Okay.","start":362.8,"end":363.3,"sentiment":"positive","sentiment_score":0.37709841132164},{"text":"Beautiful.","start":363.52,"end":364.02,"sentiment":"positive","sentiment_score":0.6473139524459839},{"text":"Beautiful.","start":364.32,"end":364.82,"sentiment":"positive","sentiment_score":0.5976603031158447},{"text":"And, Neil, when you do happen to retire in, say, mid May, are you gonna have much in the way of long service leave, sick leave, annual leave, things like that?","start":365.755,"end":375.755,"sentiment":"neutral","sentiment_score":0.011120706616390136},{"text":"It won't be sick leave.","start":375.755,"end":376.635,"sentiment":"neutral","sentiment_score":-0.019064193964004515}],"sentiment":"neutral","sentiment_score":0.047987015440295905,"num_words":39,"start":362.8,"end":376.635},{"sentences":[{"text":"So the annual leave or long service leave that they'll pay out on top of that or that you know?","start":376.635,"end":380.815,"sentiment":"neutral","sentiment_score":-0.002854740247130394},{"text":"Yep.","start":384.44998,"end":384.94998,"sentiment":"neutral","sentiment_score":-0.07204850763082504},{"text":"Okay.","start":390.61,"end":391.11,"sentiment":"neutral","sentiment_score":-0.060341596603393555},{"text":"Do you know how much yeah.","start":391.25,"end":399.98502,"sentiment":"neutral","sentiment_score":-0.07873006165027618},{"text":"Okay.","start":399.98502,"end":400.48502,"sentiment":"neutral","sentiment_score":-0.003095639869570732}],"sentiment":"neutral","sentiment_score":-0.022929686860277736,"num_words":29,"start":376.635,"end":400.48502},{"sentences":[{"text":"Fourteen years.","start":400.545,"end":401.445,"sentiment":"neutral","sentiment_score":0.02276617754250765},{"text":"Perfect.","start":401.745,"end":402.245,"sentiment":"neutral","sentiment_score":0.2942558526992798},{"text":"Yep.","start":416.63998,"end":417.13998,"sentiment":"neutral","sentiment_score":0.010133979842066765},{"text":"Okay.","start":420.575,"end":421.075,"sentiment":"neutral","sentiment_score":0.0692124217748642},{"text":"No worries at all.","start":421.215,"end":422.33502,"sentiment":"neutral","sentiment_score":0.058026865124702454}],"sentiment":"neutral","sentiment_score":0.07236022998889287,"num_words":9,"start":400.545,"end":422.33502},{"sentences":[{"text":"So at the moment, we're just focused on you retiring, and then when you're ready to go back to see if they'll maybe take you back if you, you know, decide to later down the track.","start":422.33502,"end":430.67502,"sentiment":"neutral","sentiment_score":0.023151743174013164},{"text":"Yep.","start":431.96,"end":432.28,"sentiment":"neutral","sentiment_score":0.1092112585902214},{"text":"Did you want me to factor into the advice piece maybe, sorry, a regular withdrawal down to cover income costs, or do you think with the with the annual leave and the long service leave, you might be okay for the short period of time, and you wanna look at that down the track.","start":432.28,"end":447.79498,"sentiment":"neutral","sentiment_score":0.06799600994283403},{"text":"Okay.","start":456.735,"end":457.235,"sentiment":"neutral","sentiment_score":0.01642630062997341},{"text":"Okay.","start":458.23,"end":458.63,"sentiment":"neutral","sentiment_score":0.20719821751117704}],"sentiment":"neutral","sentiment_score":0.05202239857966541,"num_words":93,"start":422.33502,"end":458.63},{"sentences":[{"text":"Perfect.","start":458.63,"end":459.13,"sentiment":"positive","sentiment_score":0.6039886474609375},{"text":"Excellent.","start":459.27,"end":459.77,"sentiment":"positive","sentiment_score":0.6610988974571228},{"text":"Lovely.","start":459.91,"end":460.41,"sentiment":"positive","sentiment_score":0.5889378786087036},{"text":"I'm so sorry.","start":461.51,"end":462.23,"sentiment":"neutral","sentiment_score":-0.02195487543940544},{"text":"I'm just at the tail end of this cold, so I'm sort of trying to I'm so sorry, guys.","start":462.23,"end":467.69,"sentiment":"neutral","sentiment_score":-0.07872636410358705}],"sentiment":"neutral","sentiment_score":0.011694395169615745,"num_words":25,"start":458.63,"end":467.69},{"sentences":[{"text":"Oh, you poor thing is they hang on a little bit, don't they?","start":469.605,"end":475.465,"sentiment":"neutral","sentiment_score":-0.1512125598696562},{"text":"But I wanted to make sure I didn't I wanted to make sure I was here for your call.","start":477.685,"end":482.725,"sentiment":"neutral","sentiment_score":-0.05013513055286909},{"text":"When I found out I was sick on the weekend, I thought, no.","start":482.725,"end":484.885,"sentiment":"neutral","sentiment_score":-0.2261198185957395},{"text":"I can't not be there on Monday for Neil and Carolyn.","start":484.885,"end":488.11002,"sentiment":"neutral","sentiment_score":-0.18292717026038605},{"text":"I felt bad.","start":488.11002,"end":488.91,"sentiment":"negative","sentiment_score":-0.4164431393146515}],"sentiment":"neutral","sentiment_score":-0.15456638459937047,"num_words":59,"start":469.605,"end":488.91},{"sentences":[{"text":"It had to be a few weeks down the track from when you emailed me.","start":488.91,"end":491.87,"sentiment":"neutral","sentiment_score":-0.2174996058146159},{"text":"So I was like, no.","start":491.87,"end":492.51,"sentiment":"neutral","sentiment_score":-0.20896923840045928},{"text":"I don't wanna have to reschedule you guys.","start":492.51,"end":494.61002,"sentiment":"neutral","sentiment_score":-0.24595988541841507},{"text":"All good.","start":496.67,"end":497.445,"sentiment":"neutral","sentiment_score":0.21900977194309235},{"text":"So with the advice piece, essentially, I'll do the research.","start":497.525,"end":500.405,"sentiment":"neutral","sentiment_score":0.058474528789520266}],"sentiment":"neutral","sentiment_score":-0.1313063632696867,"num_words":40,"start":488.91,"end":500.405},{"sentences":[{"text":"We'll have a I'll finish the research off for you.","start":500.405,"end":502.805,"sentiment":"neutral","sentiment_score":0.06599395126104354},{"text":"We'll be looking at Neil retiring amount about mid May there.","start":502.805,"end":506.105,"sentiment":"neutral","sentiment_score":0.02872610092163086},{"text":"You don't need any long term income at the moment.","start":506.565,"end":509.125,"sentiment":"neutral","sentiment_score":-0.03430039994418621},{"text":"We can kinda scope that out for the moment and come back to that sort of after after you've had your retirement and you've, you know, close to using up all your income.","start":509.125,"end":518.32996,"sentiment":"neutral","sentiment_score":0.02710174007171934},{"text":"Carolyn, you'll be wanting to, in September at the moment, drawing at half of your super, And near when you retire, we'll draw a 160,000 out, leave the rest invested, and I'll just look at altering the portfolio as we kinda discussed earlier.","start":519.91,"end":534.175,"sentiment":"neutral","sentiment_score":0.044530461693918985}],"sentiment":"neutral","sentiment_score":0.032169064472072594,"num_words":107,"start":500.405,"end":534.175},{"sentences":[{"text":"Does that sound right?","start":534.175,"end":535.135,"sentiment":"neutral","sentiment_score":0.020206938963383436},{"text":"Have I missed anything at all or no?","start":535.135,"end":538.515,"sentiment":"neutral","sentiment_score":-0.0391459665261209},{"text":"Beautiful.","start":539.66,"end":540.16,"sentiment":"positive","sentiment_score":0.5707592964172363},{"text":"Fantastic.","start":540.38,"end":540.88,"sentiment":"positive","sentiment_score":0.6034773588180542},{"text":"Excellent.","start":542.54,"end":543.04,"sentiment":"positive","sentiment_score":0.436229944229126}],"sentiment":"neutral","sentiment_score":0.09187510820726554,"num_words":15,"start":534.175,"end":543.04},{"sentences":[{"text":"So once you've had that meeting with them, can you just email me, Neil?","start":543.18,"end":546.54,"sentiment":"neutral","sentiment_score":0.07283213807802115},{"text":"Let me know the date that you're hoping to retire.","start":546.54,"end":548.96,"sentiment":"neutral","sentiment_score":0.022640230786055326},{"text":"I am away over the Easter break.","start":550.14,"end":552.795,"sentiment":"neutral","sentiment_score":-0.13402446146522248},{"text":"I'm so sorry.","start":552.875,"end":553.755,"sentiment":"neutral","sentiment_score":-0.1702627738316854},{"text":"I'm taking some time for my little boy.","start":553.755,"end":555.855,"sentiment":"neutral","sentiment_score":-0.0205385684967041}],"sentiment":"neutral","sentiment_score":-0.00874323473267612,"num_words":42,"start":543.18,"end":555.855},{"sentences":[{"text":"But can I book you guys in for when I come back maybe the week of the April 20 to have that advice presented to you?","start":556.075,"end":563.83496,"sentiment":"neutral","sentiment_score":0.09640032310898487},{"text":"Is that okay?","start":563.83496,"end":564.735,"sentiment":"neutral","sentiment_score":0.06989025076230367},{"text":"Beautiful.","start":566.9,"end":567.4,"sentiment":"positive","sentiment_score":0.5832802057266235},{"text":"I act beautiful.","start":567.54,"end":569.32,"sentiment":"neutral","sentiment_score":0.23145373413960138},{"text":"I actually have 6PM available on Monday, so I'm going to block that one out for you guys if that's okay.","start":569.86,"end":576.33997,"sentiment":"neutral","sentiment_score":0.099838725512936}],"sentiment":"neutral","sentiment_score":0.11278395920440003,"num_words":54,"start":556.075,"end":576.33997},{"sentences":[{"text":"6PM actually, we're gonna be because you guys are in WA.","start":576.33997,"end":580.83997,"sentiment":"neutral","sentiment_score":0.01973257069899277},{"text":"No.","start":581.51495,"end":581.755,"sentiment":"neutral","sentiment_score":-0.045940592885017395},{"text":"It's still two hours behind, so that's still 04:00.","start":581.755,"end":584.555,"sentiment":"neutral","sentiment_score":-0.055700099716583885},{"text":"That still works out.","start":584.555,"end":585.83496,"sentiment":"neutral","sentiment_score":0.09042376093566418},{"text":"Yeah.","start":585.83496,"end":586.33496,"sentiment":"neutral","sentiment_score":0.19371813535690308}],"sentiment":"neutral","sentiment_score":0.008662691017469535,"num_words":26,"start":576.33997,"end":586.33496},{"sentences":[{"text":"Beautiful.","start":587.27496,"end":587.77496,"sentiment":"positive","sentiment_score":0.5040550231933594},{"text":"It does.","start":588.315,"end":588.95496,"sentiment":"neutral","sentiment_score":0.16272162646055222},{"text":"I'm sorry.","start":588.95496,"end":589.355,"sentiment":"neutral","sentiment_score":-0.05833489075303078},{"text":"I always get mixed up a little bit because I'm actually living in New South Wales, and I drive into Queensland for work.","start":589.355,"end":595.14,"sentiment":"neutral","sentiment_score":-0.09718485921621323},{"text":"So when I'm talking to you guys, if I'm in New South Wales, you're three hours behind me.","start":595.14,"end":599.7,"sentiment":"neutral","sentiment_score":-0.08823931279281776}],"sentiment":"neutral","sentiment_score":-0.06762458473120046,"num_words":46,"start":587.27496,"end":599.7},{"sentences":[{"text":"But if I'm in Queensland, you're only two hours behind me.","start":599.7,"end":602.58,"sentiment":"neutral","sentiment_score":-0.1070618053728884},{"text":"So There we go.","start":602.58,"end":611.635,"sentiment":"neutral","sentiment_score":-0.0326736643910408},{"text":"Perfect.","start":611.635,"end":612.11505,"sentiment":"positive","sentiment_score":0.4874713122844696},{"text":"So I'll book that one there for you.","start":612.11505,"end":613.97504,"sentiment":"positive","sentiment_score":0.33587825670838356},{"text":"Now since we kinda did the research there, I know interest rates definitely have changed on your mortgage there at the moment.","start":614.11505,"end":620.375,"sentiment":"neutral","sentiment_score":0.009002554315057669}],"sentiment":"neutral","sentiment_score":0.044873457482975464,"num_words":46,"start":599.7,"end":620.375},{"sentences":[{"text":"Did you want me to update the interest rates and maybe factor in changes to interest rates on the loans?","start":621.62,"end":628.02,"sentiment":"neutral","sentiment_score":0.02529802257195115},{"text":"Are you happy just knowing the 160 will cover everything and pay it out?","start":628.02,"end":632.04004,"sentiment":"neutral","sentiment_score":0.06906322256794997},{"text":"Yep.","start":635.31494,"end":635.81494,"sentiment":"neutral","sentiment_score":0.1821768283843994},{"text":"Beautiful.","start":635.95496,"end":636.45496,"sentiment":"positive","sentiment_score":0.38296887278556824},{"text":"Yep.","start":643.71497,"end":644.21497,"sentiment":"neutral","sentiment_score":0.04731573909521103}],"sentiment":"neutral","sentiment_score":0.05635964885555409,"num_words":37,"start":621.62,"end":644.21497},{"sentences":[{"text":"Yep.","start":644.51495,"end":645.01495,"sentiment":"neutral","sentiment_score":0.02004881389439106},{"text":"Yep.","start":647.2,"end":647.7,"sentiment":"neutral","sentiment_score":-0.021190673112869263},{"text":"That's the debt.","start":647.92,"end":649.14,"sentiment":"neutral","sentiment_score":-0.010920089048643907},{"text":"Yeah.","start":649.83997,"end":650.24,"sentiment":"neutral","sentiment_score":0.021711058914661407},{"text":"No.","start":650.24,"end":650.48,"sentiment":"neutral","sentiment_score":-0.009457295760512352}],"sentiment":"neutral","sentiment_score":-0.0030926233157515526,"num_words":7,"start":644.51495,"end":650.48},{"sentences":[{"text":"That's okay.","start":650.48,"end":651.3,"sentiment":"neutral","sentiment_score":0.07076422870159149},{"text":"That's not a problem.","start":651.83997,"end":652.88,"sentiment":"neutral","sentiment_score":0.306717224419117},{"text":"Well, I can absolutely go back and update this advice.","start":652.88,"end":655.62,"sentiment":"positive","sentiment_score":0.6580175459384918},{"text":"I'll have it ready for you for Monday, the twentieth.","start":655.92,"end":658.16,"sentiment":"positive","sentiment_score":0.5359574675559997},{"text":"We'll go through things in a bit of detail, and then you guys get to take it back and have a really good rate of of everything.","start":658.16,"end":664.125,"sentiment":"positive","sentiment_score":0.5002286003695594}],"sentiment":"positive","sentiment_score":0.5059305603774089,"num_words":53,"start":650.48,"end":664.125},{"sentences":[{"text":"Does that sound okay?","start":664.125,"end":665.34503,"sentiment":"neutral","sentiment_score":0.3182109296321869},{"text":"Beautiful.","start":667.405,"end":667.905,"sentiment":"positive","sentiment_score":0.6864914298057556},{"text":"Is there anything else that I might have missed that you might wanna incorporate?","start":668.125,"end":671.905,"sentiment":"neutral","sentiment_score":0.13003221579960414},{"text":"Or when you retire yes.","start":672.28503,"end":681.51,"sentiment":"neutral","sentiment_score":0.01996508613228798},{"text":"So in order to withdraw the funds out, there will be a form, but it's easy to do.","start":681.51,"end":686.23,"sentiment":"neutral","sentiment_score":0.08162480261590746}],"sentiment":"neutral","sentiment_score":0.12735376303039847,"num_words":42,"start":664.125,"end":686.23},{"sentences":[{"text":"It's just a tick box to say that you confirm that you've officially retired, you have no intention of going back to work, and that you're over the age of 60.","start":686.23,"end":694.7002,"sentiment":"neutral","sentiment_score":0.06787628896774785},{"text":"And, yeah, once you tick that box, it's fine.","start":694.7002,"end":697.2156,"sentiment":"neutral","sentiment_score":0.11892665260367924},{"text":"We'll get bank details, but we'll do that when we get to the implementation side and need to draw the funds out.","start":697.2156,"end":703.67,"sentiment":"neutral","sentiment_score":0.04757247179407965},{"text":"We don't need any of that right at the moment, which is a good thing.","start":704.20996,"end":707.58997,"sentiment":"neutral","sentiment_score":-0.006030333135277033},{"text":"And, yeah, like, you're 16 now.","start":709.41,"end":711.57,"sentiment":"neutral","sentiment_score":0.09407801801959674}],"sentiment":"neutral","sentiment_score":0.05656761833724667,"num_words":83,"start":686.23,"end":711.57},{"sentences":[{"text":"So as soon as you give me the date, I've got a bit of an idea on when we're working with.","start":711.57,"end":715.915,"sentiment":"neutral","sentiment_score":0.13152950363499777},{"text":"And in the meantime, I can get everything else together for you and get that advice ready to go.","start":715.915,"end":720.575,"sentiment":"neutral","sentiment_score":0.2594183197146968},{"text":"Okay?","start":720.795,"end":721.295,"sentiment":"neutral","sentiment_score":0.19799989461898804},{"text":"Perfect.","start":723.995,"end":724.495,"sentiment":"positive","sentiment_score":0.6733473539352417},{"text":"Perfect.","start":724.715,"end":725.215,"sentiment":"positive","sentiment_score":0.6863129138946533}],"sentiment":"neutral","sentiment_score":0.215086693334025,"num_words":43,"start":711.57,"end":725.215},{"sentences":[{"text":"Really excited for you at the same time.","start":725.275,"end":727.455,"sentiment":"positive","sentiment_score":0.6415998786687851},{"text":"Debt free.","start":727.515,"end":728.415,"sentiment":"positive","sentiment_score":0.5041314661502838},{"text":"You'll be living everyone's dream.","start":728.55,"end":730.49,"sentiment":"positive","sentiment_score":0.7017327904701233},{"text":"And 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fantastic.","start":783.63,"end":784.93,"sentiment":"positive","sentiment_score":0.45510851343472797},{"text":"That'll kinda open up so many more areas for you to travel to and enjoy.","start":785.07,"end":789.41003,"sentiment":"neutral","sentiment_score":0.12427815645933152},{"text":"Yeah.","start":790.11005,"end":790.61005,"sentiment":"neutral","sentiment_score":0.14460232853889465},{"text":"Beautiful.","start":791.88495,"end":792.38495,"sentiment":"neutral","sentiment_score":0.2672331929206848},{"text":"Yeah.","start":793.40497,"end":793.90497,"sentiment":"neutral","sentiment_score":0.17848442494869232}],"sentiment":"neutral","sentiment_score":0.18189608731440135,"num_words":21,"start":783.63,"end":793.90497},{"sentences":[{"text":"No.","start":795.00494,"end":795.485,"sentiment":"neutral","sentiment_score":0.2622087895870209},{"text":"That is fantastic.","start":795.485,"end":796.545,"sentiment":"positive","sentiment_score":0.5365563631057739},{"text":"I love that.","start":796.76495,"end":797.64496,"sentiment":"positive","sentiment_score":0.6460403402646383},{"text":"Beautiful.","start":797.64496,"end":798.125,"sentiment":"positive","sentiment_score":0.5548802614212036},{"text":"Well, I will get cracking and update this advice space.","start":798.125,"end":800.785,"sentiment":"neutral","sentiment_score":0.3040261134505272}],"sentiment":"positive","sentiment_score":0.41139668309026295,"num_words":18,"start":795.00494,"end":800.785},{"sentences":[{"text":"If there's anything else that you guys think of that you might need, don't ever hesitate.","start":801.08496,"end":804.54,"sentiment":"neutral","sentiment_score":0.18416186701506376},{"text":"I can always go back and rejig things nice and quickly for you.","start":804.77997,"end":808.24,"sentiment":"neutral","sentiment_score":0.27377083095220417},{"text":"I'll send you an email afterwards just with the updated time and date for your presentation just so you have that 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No. Speaking. Sorry. What? Oh, you're saying like you got a cold. My good. I had one a couple of weeks ago. Yep. Yep. Yes. We do. Yes. Alright. Hi. Yep. Yep. Okay. You can go first. 9 To the 9th 19663 Rooney Road in cable. 20 7th To the 10th, 60 43 Rooney Road cable. Well, we're concerned about the interest rates rising, which means our mortgage repayments rise a little bit. But so we're looking at me retiring now and and going back to work, but just drawing out enough to pay off all of our debts. Yep. That's right. Yes. Sooner rather than later. Yep. I think I was sort of thinking mid mid May. Yeah. Yeah. Okay. So, yeah, it would be a lump sum. So we could then pay off the the two mortgages, the car, and then we have a $26,000 debt tax debt there. Yeah. I think it works it works there around about $1.60. Yeah. Yeah. Yes. Yeah. No. No. Yep. Yep. Yes. Yes. No. That works fine. Yep. Yep. Yes. It's understandable. Yeah. I'll probably draw it down. Probably not all of it though? Probably not all of it. Just probably, you know, probably half of it. Yeah. We're we're looking at purchasing a A caravan. A hybrid caravan so we can start doing a bit of inland travel. We do the coast traveling at the moment because we've got the boat, but we can't tow the boat and the caravan. Yep. There will be some a little bit of annual leave, and I think I've still got four weeks of long service that I haven't used. I'm not sure not sure how much will be added on to that because I've been there just over fourteen years. But I'm I'm having a meeting with the HR manager on Wednesday to find out whether, one, they would accept me back after retiring and being away for a certain amount of time. We go back as permanent part time or something. Yes. We'll be okay with that for this short period of time plus Caroline's still working. Without the mortgage payments, we'll have plenty with Caroline's pay. Yeah. No. That's fine. One second. I'm still I'm still a little crazy for mine. They do. Yeah. It's just letting me know. Yes. Yes. No. No. That's good. That's good. No. That's okay. That's good. Yep. Yep. That works out well. Just before we go on hold, please. Yes. Okay. Awesome. Yep. It worked that well. Hello? Well yeah. That would be a messy gift. I'm pretty sure the $1.60 will cover it. I mean, because we've got we've got a little buffer there. We've got an extra 26 in one of the accounts, but that will be coming out. It takes time to cover the property that we've sold. Yep. Sounds right. I don't know. Is there a form or anything that I might have to fill out for retopling? Yep. Yes. Yes. Fantastic. Yeah. Sounds good. Oh, that's been my dream for years. As we as we started so late together, it's like Yeah, mate. It was it was daunting, and it's like it's now reality that we can actually pay off and be debt free. Yeah. Yeah. No. So, basically, they're they're an off road caravan, but they are off grid. So you've got solar panels. You've got your own water. I mean, it's not for a a permanent thing, but it is, you know, for for sure stays, you can go off grid. I suppose probably up up to a week or something like that. Yeah. Oh, yeah. Absolutely. Yeah. Even over each. Yep. Yep. Yes. We do too. Okay. Magic. Thank you very much, Dana. Thank you. Yes. You too, Dana. Okay. Bye bye. 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No. Speaking. Sorry. What?\n\nOh, you're saying like you got a cold. My good. I had one a couple of weeks ago. Yep. Yep.\n\nYes. We do. Yes. Alright. Hi.\n\nYep. Yep. Okay. You can go first. 9 To the 9th 19663 Rooney Road in cable.\n\n20 7th To the 10th, 60 43 Rooney Road cable. Well, we're concerned about the interest rates rising, which means our mortgage repayments rise a little bit. But so we're looking at me retiring now and and going back to work, but just drawing out enough to pay off all of our debts. Yep. That's right.\n\nYes. Sooner rather than later. Yep. I think I was sort of thinking mid mid May. Yeah.\n\nYeah. Okay. So, yeah, it would be a lump sum. So we could then pay off the the two mortgages, the car, and then we have a $26,000 debt tax debt there. Yeah.\n\nI think it works it works there around about $1.60. Yeah. Yeah. Yes. Yeah.\n\nNo. No. Yep. Yep. Yes.\n\nYes. No. That works fine. Yep. Yep.\n\nYes. It's understandable. Yeah. I'll probably draw it down. Probably not all of it though?\n\nProbably not all of it. Just probably, you know, probably half of it. Yeah. We're we're looking at purchasing a A caravan. A hybrid caravan so we can start doing a bit of inland travel.\n\nWe do the coast traveling at the moment because we've got the boat, but we can't tow the boat and the caravan. Yep. There will be some a little bit of annual leave, and I think I've still got four weeks of long service that I haven't used. I'm not sure not sure how much will be added on to that because I've been there just over fourteen years. But I'm I'm having a meeting with the HR manager on Wednesday to find out whether, one, they would accept me back after retiring and being away for a certain amount of time.\n\nWe go back as permanent part time or something. Yes. We'll be okay with that for this short period of time plus Caroline's still working. Without the mortgage payments, we'll have plenty with Caroline's pay. Yeah.\n\nNo. That's fine. One second. I'm still I'm still a little crazy for mine. They do.\n\nYeah. It's just letting me know. Yes. Yes. No.\n\nNo. That's good. That's good. No. That's okay.\n\nThat's good. Yep. Yep. That works out well. Just before we go on hold, please.\n\nYes. Okay. Awesome. Yep. It worked that well.\n\nHello? Well yeah. That would be a messy gift. I'm pretty sure the $1.60 will cover it. I mean, because we've got we've got a little buffer there.\n\nWe've got an extra 26 in one of the accounts, but that will be coming out. It takes time to cover the property that we've sold. Yep. Sounds right. I don't know.\n\nIs there a form or anything that I might have to fill out for retopling? Yep. Yes. Yes. Fantastic.\n\nYeah. Sounds good. Oh, that's been my dream for years. As we as we started so late together, it's like Yeah, mate. It was it was daunting, and it's like it's now reality that we can actually pay off and be debt free.\n\nYeah. Yeah. 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works fine.","start":303.405,"end":304.285,"sentiment":"neutral","sentiment_score":0.08159542704621951},{"text":"Yep.","start":304.285,"end":304.785,"sentiment":"neutral","sentiment_score":0.09822463989257812},{"text":"Yep.","start":305.88498,"end":306.38498,"sentiment":"neutral","sentiment_score":0.1395135074853897}],"sentiment":"neutral","sentiment_score":0.07017564933214869,"num_words":7,"start":303.005,"end":306.38498},{"sentences":[{"text":"Yes.","start":315.67,"end":316.07,"sentiment":"neutral","sentiment_score":0.06220763921737671},{"text":"It's understandable.","start":316.07,"end":316.81003,"sentiment":"neutral","sentiment_score":0.08096373453736305},{"text":"Yeah.","start":332.965,"end":333.205,"sentiment":"neutral","sentiment_score":-0.019131803885102272},{"text":"I'll probably draw it down.","start":333.205,"end":334.585,"sentiment":"neutral","sentiment_score":-0.052699605375528334},{"text":"Probably not all of it though?","start":336.245,"end":337.925,"sentiment":"neutral","sentiment_score":-0.06590942231317361}],"sentiment":"neutral","sentiment_score":-0.030263417089978855,"num_words":15,"start":315.67,"end":337.925},{"sentences":[{"text":"Probably not all of it.","start":337.925,"end":339.385,"sentiment":"neutral","sentiment_score":-0.06885878667235375},{"text":"Just probably, you know, probably half of it.","start":340.83002,"end":343.33002,"sentiment":"neutral","sentiment_score":-0.04362269234843552},{"text":"Yeah.","start":344.03003,"end":344.53003,"sentiment":"neutral","sentiment_score":0.046089861541986465},{"text":"We're we're looking at purchasing a A caravan.","start":344.75,"end":348.75,"sentiment":"neutral","sentiment_score":0.08470336440950632},{"text":"A hybrid caravan so we can start doing a bit of inland travel.","start":349.23,"end":355.725,"sentiment":"neutral","sentiment_score":0.24207017914606974}],"sentiment":"neutral","sentiment_score":0.09078153238764831,"num_words":35,"start":337.925,"end":355.725},{"sentences":[{"text":"We do the coast traveling at the moment because we've got the boat, but we can't tow the boat and the caravan.","start":356.185,"end":362.125,"sentiment":"neutral","sentiment_score":0.055511598136614666},{"text":"Yep.","start":369.95,"end":370.45,"sentiment":"neutral","sentiment_score":0.022541746497154236},{"text":"There will be some a little bit of annual leave, and I think I've still got four weeks of long service that I haven't used.","start":381.07498,"end":389.97498,"sentiment":"neutral","sentiment_score":-0.07646837070584298},{"text":"I'm not sure not sure how much will be added on to that because I've been there just over fourteen years.","start":391.705,"end":399.2,"sentiment":"neutral","sentiment_score":-0.10780947992489451},{"text":"But I'm I'm having a meeting with the HR manager on Wednesday to find out whether, one, they would accept me back after retiring and being away for a certain amount of time.","start":402.06,"end":416.33502,"sentiment":"neutral","sentiment_score":-0.05688672524058458}],"sentiment":"neutral","sentiment_score":-0.04714875856377915,"num_words":102,"start":356.185,"end":416.33502},{"sentences":[{"text":"We go back as permanent part time or something.","start":417.515,"end":420.015,"sentiment":"neutral","sentiment_score":0.016774617342485323},{"text":"Yes.","start":430.96,"end":431.46,"sentiment":"neutral","sentiment_score":0.12263888120651244},{"text":"We'll be okay with that for this short period of time plus Caroline's still working.","start":448.43,"end":452.61,"sentiment":"neutral","sentiment_score":0.14191452072312435},{"text":"Without the mortgage payments, we'll have plenty with Caroline's pay.","start":453.22998,"end":457.41,"sentiment":"neutral","sentiment_score":0.012890161713585258},{"text":"Yeah.","start":464.395,"end":464.715,"sentiment":"neutral","sentiment_score":-0.02530040219426155}],"sentiment":"neutral","sentiment_score":0.06960915175214824,"num_words":36,"start":417.515,"end":464.715},{"sentences":[{"text":"No.","start":464.715,"end":464.875,"sentiment":"neutral","sentiment_score":-0.07373949885368347},{"text":"That's fine.","start":464.875,"end":465.51498,"sentiment":"neutral","sentiment_score":-0.03161054849624634},{"text":"One second.","start":465.51498,"end":466.255,"sentiment":"neutral","sentiment_score":-0.02104415837675333},{"text":"I'm still I'm still a little crazy for mine.","start":466.715,"end":471.615,"sentiment":"neutral","sentiment_score":-0.10780198789305157},{"text":"They do.","start":475.78,"end":476.18,"sentiment":"neutral","sentiment_score":-0.025883110240101814}],"sentiment":"neutral","sentiment_score":-0.07506456400733441,"num_words":16,"start":464.715,"end":476.18},{"sentences":[{"text":"Yeah.","start":476.18,"end":476.68,"sentiment":"neutral","sentiment_score":-0.005629975348711014},{"text":"It's just letting me know.","start":476.74,"end":479.32,"sentiment":"neutral","sentiment_score":-0.0007943666540086266},{"text":"Yes.","start":506.91998,"end":507.41998,"sentiment":"neutral","sentiment_score":-0.018987160176038746},{"text":"Yes.","start":525.395,"end":525.895,"sentiment":"neutral","sentiment_score":0.037706807255744934},{"text":"No.","start":536.79004,"end":537.27,"sentiment":"neutral","sentiment_score":-0.09317229688167572}],"sentiment":"neutral","sentiment_score":-0.009339384268969297,"num_words":9,"start":476.18,"end":537.27},{"sentences":[{"text":"No.","start":537.27,"end":537.51,"sentiment":"neutral","sentiment_score":-0.12034067511558531},{"text":"That's good.","start":537.51,"end":538.15,"sentiment":"neutral","sentiment_score":-0.010555889457464218},{"text":"That's good.","start":538.15,"end":538.97003,"sentiment":"neutral","sentiment_score":0.2912584990262985},{"text":"No.","start":554.475,"end":554.715,"sentiment":"neutral","sentiment_score":-0.06736695021390915},{"text":"That's okay.","start":554.715,"end":555.355,"sentiment":"neutral","sentiment_score":0.003014426678419113}],"sentiment":"neutral","sentiment_score":0.047465805895626545,"num_words":8,"start":537.27,"end":555.355},{"sentences":[{"text":"That's good.","start":555.355,"end":556.255,"sentiment":"positive","sentiment_score":0.4548218846321106},{"text":"Yep.","start":556.395,"end":556.895,"sentiment":"neutral","sentiment_score":0.12067991495132446},{"text":"Yep.","start":565.08,"end":565.4,"sentiment":"neutral","sentiment_score":0.2142868340015411},{"text":"That works out well.","start":565.4,"end":566.54,"sentiment":"positive","sentiment_score":0.4615282118320465},{"text":"Just before we go on hold, please.","start":566.68,"end":568.3,"sentiment":"neutral","sentiment_score":0.23881745764187404}],"sentiment":"neutral","sentiment_score":0.3174963712692261,"num_words":15,"start":555.355,"end":568.3},{"sentences":[{"text":"Yes.","start":581.665,"end":582.165,"sentiment":"neutral","sentiment_score":-0.02266669273376465},{"text":"Okay.","start":585.27,"end":585.75,"sentiment":"neutral","sentiment_score":0.12454751133918762},{"text":"Awesome.","start":585.75,"end":586.25,"sentiment":"positive","sentiment_score":0.4211048483848572},{"text":"Yep.","start":586.63,"end":586.95,"sentiment":"neutral","sentiment_score":0.2355571985244751},{"text":"It worked that well.","start":586.95,"end":588.09,"sentiment":"positive","sentiment_score":0.3563992902636528}],"sentiment":"neutral","sentiment_score":0.2730175033211708,"num_words":8,"start":581.665,"end":588.09},{"sentences":[{"text":"Hello?","start":595.615,"end":596.115,"sentiment":"neutral","sentiment_score":-0.03676298633217811},{"text":"Well yeah.","start":602.815,"end":605.695,"sentiment":"neutral","sentiment_score":-0.19253498315811157},{"text":"That would be a messy gift.","start":605.695,"end":607.635,"sentiment":"negative","sentiment_score":-0.4476734399795532},{"text":"I'm pretty sure the $1.60 will cover it.","start":632.345,"end":635.085,"sentiment":"neutral","sentiment_score":0.09279172495007515},{"text":"I mean, because we've got we've got a little buffer there.","start":636.025,"end":639.73,"sentiment":"neutral","sentiment_score":0.13352382657202808}],"sentiment":"neutral","sentiment_score":-0.03202777502260038,"num_words":28,"start":595.615,"end":639.73},{"sentences":[{"text":"We've got an extra 26 in one of the accounts, but that will be coming out.","start":639.73,"end":645.64996,"sentiment":"neutral","sentiment_score":0.06085634126793593},{"text":"It takes time to cover the property that we've sold.","start":645.64996,"end":649.35,"sentiment":"neutral","sentiment_score":-0.018802722543478013},{"text":"Yep.","start":651.89,"end":652.39,"sentiment":"neutral","sentiment_score":0.20423072576522827},{"text":"Sounds right.","start":666.515,"end":667.17,"sentiment":"positive","sentiment_score":0.49457232654094696},{"text":"I don't know.","start":675.73,"end":676.37,"sentiment":"neutral","sentiment_score":-0.009598824506004652}],"sentiment":"neutral","sentiment_score":0.06094541063066572,"num_words":32,"start":639.73,"end":676.37},{"sentences":[{"text":"Is there a form or anything that I might have to fill out for retopling?","start":676.37,"end":680.73505,"sentiment":"neutral","sentiment_score":0.023321408405900003},{"text":"Yep.","start":685.515,"end":686.015,"sentiment":"neutral","sentiment_score":0.116369366645813},{"text":"Yes.","start":704.38995,"end":704.88995,"sentiment":"neutral","sentiment_score":0.018882185220718384},{"text":"Yes.","start":707.075,"end":707.575,"sentiment":"neutral","sentiment_score":0.1197868436574936},{"text":"Fantastic.","start":721.87,"end":722.37,"sentiment":"positive","sentiment_score":0.7040253281593323}],"sentiment":"neutral","sentiment_score":0.06888867630378197,"num_words":19,"start":676.37,"end":722.37},{"sentences":[{"text":"Yeah.","start":724.13,"end":724.63,"sentiment":"positive","sentiment_score":0.46201226115226746},{"text":"Sounds good.","start":726.39,"end":729.14996,"sentiment":"positive","sentiment_score":0.6391666233539581},{"text":"Oh, that's been my dream for years.","start":730.91,"end":733.01,"sentiment":"positive","sentiment_score":0.5442013825689044},{"text":"As we as we started so late together, it's like Yeah, mate.","start":734.195,"end":738.215,"sentiment":"neutral","sentiment_score":0.2064995684971412},{"text":"It was it was daunting, and it's like it's now reality that we can actually pay off and be debt free.","start":738.755,"end":745.335,"sentiment":"neutral","sentiment_score":-0.20193550274485633}],"sentiment":"neutral","sentiment_score":0.08807219651549361,"num_words":43,"start":724.13,"end":745.335},{"sentences":[{"text":"Yeah.","start":757.58,"end":757.74,"sentiment":"neutral","sentiment_score":0.010597476735711098},{"text":"Yeah.","start":757.74,"end":757.98,"sentiment":"neutral","sentiment_score":0.00782104767858982},{"text":"No.","start":757.98,"end":758.48,"sentiment":"neutral","sentiment_score":-0.005260378587990999},{"text":"So, basically, they're they're an off road caravan, but they are off grid.","start":758.7,"end":767.345,"sentiment":"neutral","sentiment_score":0.005136893686050406},{"text":"So you've got solar panels.","start":769.245,"end":770.785,"sentiment":"neutral","sentiment_score":0.024513445608317853}],"sentiment":"neutral","sentiment_score":0.009643094846978784,"num_words":21,"start":757.58,"end":770.785},{"sentences":[{"text":"You've got your own water.","start":770.925,"end":772.545,"sentiment":"neutral","sentiment_score":0.028782085329294205},{"text":"I mean, it's not for a a permanent thing, but it is, you know, for for sure stays, you can go off grid.","start":772.605,"end":778.76,"sentiment":"neutral","sentiment_score":0.019410536786460358},{"text":"I suppose probably up up to a week or something like that.","start":779.46,"end":783.32,"sentiment":"neutral","sentiment_score":0.11751031580691536},{"text":"Yeah.","start":785.7,"end":786.2,"sentiment":"neutral","sentiment_score":0.1106102168560028},{"text":"Oh, yeah.","start":788.5,"end":789.4,"sentiment":"neutral","sentiment_score":0.14228995144367218}],"sentiment":"neutral","sentiment_score":0.05571317865491607,"num_words":43,"start":770.925,"end":789.4},{"sentences":[{"text":"Absolutely.","start":789.54004,"end":790.04004,"sentiment":"neutral","sentiment_score":0.2402605563402176},{"text":"Yeah.","start":790.755,"end":790.91504,"sentiment":"neutral","sentiment_score":0.13757386803627014},{"text":"Even over each.","start":790.91504,"end":792.85504,"sentiment":"neutral","sentiment_score":0.16739529371261597},{"text":"Yep.","start":808.5,"end":809.0,"sentiment":"neutral","sentiment_score":0.12245230376720428},{"text":"Yep.","start":816.74,"end":817.24,"sentiment":"neutral","sentiment_score":0.13437047600746155}],"sentiment":"neutral","sentiment_score":0.16240615504128592,"num_words":7,"start":789.54004,"end":817.24},{"sentences":[{"text":"Yes.","start":831.145,"end":831.645,"sentiment":"neutral","sentiment_score":0.30316808819770813},{"text":"We do too.","start":832.265,"end":833.16504,"sentiment":"positive","sentiment_score":0.38083385427792865},{"text":"Okay.","start":842.71,"end":843.03,"sentiment":"positive","sentiment_score":0.37786251306533813},{"text":"Magic.","start":843.03,"end":843.53,"sentiment":"positive","sentiment_score":0.7431234121322632},{"text":"Thank you very much, Dana.","start":843.59,"end":844.81,"sentiment":"positive","sentiment_score":0.8048429369926453}],"sentiment":"positive","sentiment_score":0.5991700237447565,"num_words":11,"start":831.145,"end":844.81},{"sentences":[{"text":"Thank you.","start":845.03,"end":845.77,"sentiment":"positive","sentiment_score":0.719093531370163},{"text":"Yes.","start":850.07,"end":850.47003,"sentiment":"positive","sentiment_score":0.477417528629303},{"text":"You too, Dana.","start":850.47003,"end":851.3429,"sentiment":"positive","sentiment_score":0.4734165072441101},{"text":"Okay.","start":853.6629,"end":854.1429,"sentiment":"neutral","sentiment_score":0.16517174243927002},{"text":"Bye bye.","start":854.1429,"end":854.5429,"sentiment":"neutral","sentiment_score":0.14872213453054428}],"sentiment":"positive","sentiment_score":0.4220522360669242,"num_words":9,"start":845.03,"end":854.5429},{"sentences":[{"text":"Bye.","start":854.5429,"end":855.0429,"sentiment":"neutral","sentiment_score":0.12191122025251389}],"sentiment":"neutral","sentiment_score":0.12191122025251389,"num_words":1,"start":854.5429,"end":855.0429}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? No. Speaking.\n\nChannel 0: Hi, Neil. It's Dana from OKIE Finance. How are you this afternoon?\n\nChannel 1: Sorry. What? Oh, you're saying like you got a cold.\n\nChannel 0: I have. I'm so sorry. That's\n\nChannel 1: My good.\n\nChannel 0: fine.\n\nChannel 1: I had one\n\nChannel 0: No.\n\nChannel 1: a couple\n\nChannel 0: I\n\nChannel 1: of\n\nChannel 0: know.\n\nChannel 1: weeks ago.\n\nChannel 0: Oh, no. This is the tail end of it. So it's just that croche sound that can hang on for a couple of days.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Me. Sorry. I had you booked in just a bit of a follow-up. You sent me an email saying you'd have some changes to your to your retirement plan.\n\nChannel 1: Yes. We do.\n\nChannel 0: Yeah. That's okay. It's not a problem at all. Are you both is Caroline there as well, or did you just wanna run\n\nChannel 1: Yes.\n\nChannel 0: through things with me?\n\nChannel 1: Alright.\n\nChannel 0: Yeah. How are you? Hi.\n\nChannel 1: Hi.\n\nChannel 0: How's it going? What I'll do firstly is I just have to let you both know we do record our calls for quality and training purposes. Are you happy to proceed with that?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. And I'll just do security there with you real quick. I'll just get you confirm your date of birth, age, and your address.\n\nChannel 1: Okay. You can go first. 9 To the 9th 19663 Rooney\n\nChannel 0: Yep.\n\nChannel 1: Road in cable. 20\n\nChannel 0: Perfect.\n\nChannel 1: 7th To the 10th, 60\n\nChannel 0: Yep.\n\nChannel 1: 43 Rooney Road cable.\n\nChannel 0: Beautiful. Thank you so much for that. Perfect. So how can I help? What sort of changes are we thinking about?\n\nChannel 1: Well, we're concerned about the interest rates rising,\n\nChannel 0: Yes.\n\nChannel 1: which means our mortgage repayments rise a little bit. But\n\nChannel 0: Yep.\n\nChannel 1: so we're looking at me retiring now\n\nChannel 0: Okay.\n\nChannel 1: and and going back to work, but just\n\nChannel 0: Yep.\n\nChannel 1: drawing out enough to pay off all of our debts.\n\nChannel 0: Okay. So when we talk about retiring now, essentially, in order to access super at the age of 60, you have to have the intention of never going back to work again. There's obviously nothing in legislation that says that you don't that you don't that you, you know, can't go back to work in the future. However,\n\nChannel 1: Yep.\n\nChannel 0: you have to have the intention that you are technically going to retire. So have you because, Neil, this would be yourself because Carolyn's not quite 60 until September. So you would be\n\nChannel 1: That's right.\n\nChannel 0: essentially retiring?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. When are you thinking of doing this?\n\nChannel 1: Sooner rather than later.\n\nChannel 0: Yep. No. That's okay. That's okay. What date are you what date are you hoping to what date do you think you would like to retire?\n\nBecause, essentially, for this to happen, all you need to do is tell me what date you're gonna retire. You just need\n\nChannel 1: Yep.\n\nChannel 0: to let your employer know and then confirm once that's occurred. We have almost completed all the advice we needed, so I do apologize. It has taken a bit longer to get the advice up to date. But I can have this done in the next sort of three weeks for you to finalize things. But when are you sort of thinking you are gonna stop working completely?\n\nChannel 1: I think I was sort of thinking mid mid May.\n\nChannel 0: Mid May? Yep. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: We have a few weeks there. Yeah. No. Not a problem at\n\nChannel 1: Yeah.\n\nChannel 0: all. Mid May. Beautiful. All good. And are you just wanting to take, like, a lump sum out of super, or what's your sort of plan?\n\nChannel 1: Okay. So, yeah, it would be a lump sum.\n\nChannel 0: Mhmm.\n\nChannel 1: So we could then pay off the the two mortgages, the car, and then we have a $26,000 debt tax debt there.\n\nChannel 0: Okay. So\n\nChannel 1: Yeah.\n\nChannel 0: so the two mortgages\n\nChannel 1: I think\n\nChannel 0: and\n\nChannel 1: it works\n\nChannel 0: the car,\n\nChannel 1: it works there around about $1.60. Yeah.\n\nChannel 0: 160,000. Yep. Perfect. Not a problem at all.\n\nChannel 1: Yeah.\n\nChannel 0: Because I'm just having a look at the fact find I had here as well. Fact find. So we can do this essentially one of two ways. I can do the advice up as we were originally planning, or I can just suggest the advice to say that because you're, you know, planning to retire mid May, you just need to essentially let us know when that happens, and the advice will then be for you to withdraw the 160,000. And then because Carolyn will still be working until September.\n\nIncome\n\nChannel 1: Yes.\n\nChannel 0: wise, because, realistically, I can't put the advice document together that says that you're gonna retire, draw some money out, and go back to work. That's not ethically\n\nChannel 1: Yeah. No.\n\nChannel 0: right under\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: legislation.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, are you just wanting me to do just a limited scope advice to show maybe making changes to the investment portfolio for you? And then also just when you retire, drawing down some drawing down that amount, you need the 160 k. And then we can look at further advice, you know, down the track. Or what\n\nChannel 1: Yes.\n\nChannel 0: would you like? Is that okay?\n\nChannel 1: Yes. No. That works fine. Yep.\n\nChannel 0: That's okay? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. I'm just trying to kinda piece together what I what I can do for you, but just making sure I'm not, you know I've gotta be really ethical about things the way they work as well.\n\nChannel 1: Yes.\n\nChannel 0: So I\n\nChannel 1: It's\n\nChannel 0: can do\n\nChannel 1: understandable.\n\nChannel 0: that limited scope for you to do it that way. And then, Carolyn, when you retire, also, when you stop working at age 60 in September, are you still wanting to draw down your super as well, or what's the plan with that?\n\nChannel 1: Yeah. I'll probably draw it down.\n\nChannel 0: You'll probably still draw\n\nChannel 1: Probably\n\nChannel 0: that down?\n\nChannel 1: not all of it though? Probably not all of\n\nChannel 0: Okay.\n\nChannel 1: it. Just probably, you know, probably half of it.\n\nChannel 0: Okay. Okay.\n\nChannel 1: Yeah. We're we're looking at purchasing a A caravan. A hybrid caravan\n\nChannel 0: Yeah. Nice.\n\nChannel 1: so we can start doing a bit of inland travel. We do the\n\nChannel 0: Oh,\n\nChannel 1: coast\n\nChannel 0: lovely.\n\nChannel 1: traveling at the moment because we've got the boat, but\n\nChannel 0: Mhmm.\n\nChannel 1: we can't tow the boat and the caravan.\n\nChannel 0: Okay. Beautiful. Beautiful. And, Neil, when you do happen to retire in,\n\nChannel 1: Yep.\n\nChannel 0: say, mid May, are you gonna have much in the way of long service leave, sick leave, annual leave, things like that? It won't be sick leave. So the annual leave or long service leave that they'll pay out on top of that or that you know?\n\nChannel 1: There will be some a little bit of annual leave, and I think I've\n\nChannel 0: Yep.\n\nChannel 1: still got four weeks of long service that I haven't used.\n\nChannel 0: Okay. Do you know how\n\nChannel 1: I'm\n\nChannel 0: much\n\nChannel 1: not sure not sure how much will be added on to that because I've been there just over fourteen years.\n\nChannel 0: yeah. Okay. Fourteen years. Perfect.\n\nChannel 1: But I'm I'm having a meeting with the HR manager on Wednesday to find out whether, one, they would accept me back after retiring and being away for a certain amount of time.\n\nChannel 0: Yep.\n\nChannel 1: We go back as permanent part time or something.\n\nChannel 0: Okay. No worries at all. So at the moment, we're just focused on you retiring, and then when you're ready to go back to see if they'll maybe take you back if you, you know, decide to later down the track.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Did you want me to factor into the advice piece maybe, sorry, a regular withdrawal down to cover income costs, or do you think with the with the annual leave and the long service leave, you might be okay for the short period of time, and you wanna look at that down the track.\n\nChannel 1: We'll be okay with that for this short period of time plus Caroline's still working. Without the mortgage payments, we'll have plenty with Caroline's\n\nChannel 0: Okay.\n\nChannel 1: pay.\n\nChannel 0: Okay. Perfect. Excellent. Lovely. I'm so sorry.\n\nI'm just at the tail end of this cold, so\n\nChannel 1: Yeah. No.\n\nChannel 0: I'm\n\nChannel 1: That's\n\nChannel 0: sort of\n\nChannel 1: fine.\n\nChannel 0: trying to\n\nChannel 1: One second.\n\nChannel 0: I'm so\n\nChannel 1: I'm\n\nChannel 0: sorry,\n\nChannel 1: still\n\nChannel 0: guys.\n\nChannel 1: I'm still a little\n\nChannel 0: Oh,\n\nChannel 1: crazy for mine.\n\nChannel 0: you poor thing is they hang on a little bit, don't they?\n\nChannel 1: They do. Yeah. It's\n\nChannel 0: But\n\nChannel 1: just\n\nChannel 0: I wanted\n\nChannel 1: letting\n\nChannel 0: to make sure\n\nChannel 1: me know.\n\nChannel 0: I didn't I wanted to make sure I was here for your call. When I found out I was sick on the weekend, I thought, no. I can't not be there on Monday for Neil and Carolyn. I felt bad. It had to be a few weeks down the track from when you emailed me.\n\nSo I was like, no. I don't wanna have to reschedule you guys. All good. So with the advice piece, essentially, I'll do the research. We'll have a I'll finish the research off for you.\n\nWe'll be looking at Neil retiring amount about mid May there. You don't\n\nChannel 1: Yes.\n\nChannel 0: need any long term income at the moment. We can kinda scope that out for the moment and come back to that sort of after after you've had your retirement and you've, you know, close to using up all your income. Carolyn, you'll be wanting to, in September at the moment, drawing at half of your super, And near\n\nChannel 1: Yes.\n\nChannel 0: when you retire, we'll draw a 160,000 out, leave the rest invested, and I'll just look at altering the portfolio as we kinda discussed earlier. Does that sound right? Have I missed anything at all or\n\nChannel 1: No. No. That's good.\n\nChannel 0: no?\n\nChannel 1: That's good.\n\nChannel 0: Beautiful. Fantastic. Excellent. So once you've had that meeting with them, can you just email me, Neil? Let me know the date that you're hoping to retire.\n\nI am away over the Easter break. I'm so sorry. I'm taking some\n\nChannel 1: No.\n\nChannel 0: time for\n\nChannel 1: That's\n\nChannel 0: my\n\nChannel 1: okay.\n\nChannel 0: little\n\nChannel 1: That's\n\nChannel 0: boy.\n\nChannel 1: good.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: can I book you guys in for when I come back maybe the week of the April 20 to have that advice presented to you? Is that okay?\n\nChannel 1: Yep. That works out well. Just\n\nChannel 0: Beautiful.\n\nChannel 1: before we go on\n\nChannel 0: I\n\nChannel 1: hold,\n\nChannel 0: act\n\nChannel 1: please.\n\nChannel 0: beautiful. I actually have 6PM available on Monday, so I'm going to block that one out for you guys if that's okay. 6PM actually, we're gonna be because you guys are in WA. No.\n\nChannel 1: Yes.\n\nChannel 0: It's still two hours behind, so that's still 04:00. That still works\n\nChannel 1: Okay.\n\nChannel 0: out.\n\nChannel 1: Awesome.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. It worked\n\nChannel 0: Beautiful.\n\nChannel 1: that well.\n\nChannel 0: It does. I'm sorry. I always get mixed up a little bit because I'm actually living in New South Wales, and I drive into Queensland for work. So when\n\nChannel 1: Hello?\n\nChannel 0: I'm talking to you guys, if I'm in New South Wales, you're three hours behind me. But if I'm in Queensland, you're only two hours behind me. So\n\nChannel 1: Well yeah. That would be a messy gift.\n\nChannel 0: There we go. Perfect. So I'll book that one there for you. Now since we kinda did the research there, I know interest rates definitely have changed on your mortgage there at the moment. Did you want me to update the interest rates and maybe factor in changes to interest rates on the loans?\n\nAre you happy just knowing the 160 will cover everything and pay it out?\n\nChannel 1: I'm pretty sure the $1.60 will cover it.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: I mean, because we've got we've got a little buffer there. We've got an extra 26 in one of the accounts,\n\nChannel 0: Yep.\n\nChannel 1: but\n\nChannel 0: Yep.\n\nChannel 1: that will be coming out. It takes time\n\nChannel 0: Yep.\n\nChannel 1: to cover the\n\nChannel 0: That's\n\nChannel 1: property\n\nChannel 0: the\n\nChannel 1: that we've\n\nChannel 0: debt.\n\nChannel 1: sold.\n\nChannel 0: Yeah. No. That's okay. That's\n\nChannel 1: Yep.\n\nChannel 0: not a problem. Well, I can absolutely go back and update this advice. I'll have it ready for you for Monday, the twentieth. We'll go through things in a bit of detail, and then you guys get to take it back and have a really good rate of of everything. Does that sound okay?\n\nChannel 1: Sounds right.\n\nChannel 0: Beautiful. Is there anything else that I might have missed that you might wanna incorporate? Or\n\nChannel 1: I don't know. Is there a form or anything that I might have to fill out\n\nChannel 0: when\n\nChannel 1: for\n\nChannel 0: you\n\nChannel 1: retopling?\n\nChannel 0: retire yes. So in order to withdraw the funds out, there will be a form, but it's easy\n\nChannel 1: Yep.\n\nChannel 0: to do. It's just a tick box to say that you confirm that you've officially retired, you have no intention of going back to work, and that you're over the age of 60. And, yeah, once you tick that box, it's fine. We'll get bank details, but we'll do that when we get to the implementation side and need to draw the funds out. We\n\nChannel 1: Yes.\n\nChannel 0: don't need any of that right at the moment, which is a good\n\nChannel 1: Yes.\n\nChannel 0: thing. And, yeah, like, you're 16 now. So as soon as you give me the date, I've got a bit of an idea on when we're working with. And in the meantime, I can get everything else together for you and get that advice ready to go. Okay?\n\nChannel 1: Fantastic.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Really excited for you\n\nChannel 1: Sounds\n\nChannel 0: at the same time. Debt free. You'll\n\nChannel 1: good.\n\nChannel 0: be living everyone's dream.\n\nChannel 1: Oh, that's been my dream for years. As we\n\nChannel 0: And\n\nChannel 1: as we started so late together, it's like Yeah, mate.\n\nChannel 0: oh.\n\nChannel 1: It was it\n\nChannel 0: It's\n\nChannel 1: was daunting, and\n\nChannel 0: it's\n\nChannel 1: it's like it's now reality that we can actually pay off and be debt\n\nChannel 0: yeah.\n\nChannel 1: free.\n\nChannel 0: Oh, that's so beautiful, though. That's fantastic. And I have to ask the hybrid caravan because, like, I didn't realize you could get hybrid caravans. What is it the same as having a hybrid vehicle? What kinda\n\nChannel 1: Yeah.\n\nChannel 0: makes\n\nChannel 1: Yeah. No.\n\nChannel 0: it hybrid?\n\nChannel 1: So, basically, they're they're an off road caravan,\n\nChannel 0: Yep.\n\nChannel 1: but they are off grid.\n\nChannel 0: Okay.\n\nChannel 1: So you've got solar panels. You've got your own water. I mean, it's not for a a permanent thing, but\n\nChannel 0: Yeah.\n\nChannel 1: it is, you know, for for sure stays, you can go off grid.\n\nChannel 0: That's\n\nChannel 1: I suppose\n\nChannel 0: fantastic.\n\nChannel 1: probably up up to a week or something\n\nChannel 0: Yeah.\n\nChannel 1: like that.\n\nChannel 0: That that's fantastic. That'll kinda\n\nChannel 1: Yeah.\n\nChannel 0: open up so many more areas for you to travel\n\nChannel 1: Oh,\n\nChannel 0: to and\n\nChannel 1: yeah.\n\nChannel 0: enjoy.\n\nChannel 1: Absolutely.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Even\n\nChannel 0: Beautiful.\n\nChannel 1: over each.\n\nChannel 0: Yeah. No. That is fantastic. I love that. Beautiful.\n\nWell, I will get cracking and update this advice space. If there's anything else that you guys think of that you might need, don't ever hesitate. I can always go back and rejig things nice and quickly for you. I'll\n\nChannel 1: Yep.\n\nChannel 0: send you an email afterwards just with the updated time and date for your presentation just so you have that there. I've added a text message reminder as well for you.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, we'll get everything together, make it nice and done. So we have it by the so we can present on the April 20, and then we've got a bit of time there to read it over. And then once you retire, we can take some money. I love it.\n\nChannel 1: Yes. We do\n\nChannel 0: Beautiful.\n\nChannel 1: too.\n\nChannel 0: Beautiful. If there's anything you think of or any changes, don't ever hesitate. Always let me know. I'm more than happy to make time to have a chat with you guys. Okay?\n\nChannel 1: Okay. Magic. Thank you very much,\n\nChannel 0: Beautiful.\n\nChannel 1: Dana. Thank\n\nChannel 0: My\n\nChannel 1: you.\n\nChannel 0: pleasure. Thank you so much for your time. I hope you have both have a lovely evening.\n\nChannel 1: Yes. You too, Dana.\n\nChannel 0: Thanks. Talk soon. See you later.\n\nChannel 1: Okay. Bye bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":-0.0016112681478261948},{"text":"No.","start":1.76,"end":1.92,"sentiment":"neutral","sentiment_score":-0.11067058145999908},{"text":"Speaking.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":-0.025994639843702316}],"sentiment":"neutral","sentiment_score":-0.0460921631505092,"channel":1,"num_words":3,"start":1.04,"end":2.42},{"sentences":[{"text":"Hi, Neil.","start":3.04,"end":3.52,"sentiment":"neutral","sentiment_score":0.11036636680364609},{"text":"It's Dana from OKIE Finance.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":0.1780020534992218},{"text":"How are you this afternoon?","start":5.2799997,"end":6.58,"sentiment":"neutral","sentiment_score":0.21115096509456635}],"sentiment":"neutral","sentiment_score":0.1805414855480194,"channel":0,"num_words":12,"start":3.04,"end":6.58},{"sentences":[{"text":"Sorry.","start":6.96,"end":7.44,"sentiment":"neutral","sentiment_score":-0.10826779901981354},{"text":"What?","start":7.44,"end":7.6,"sentiment":"neutral","sentiment_score":-0.08437630534172058},{"text":"Oh, you're saying like you got a cold.","start":7.6,"end":9.3,"sentiment":"negative","sentiment_score":-0.3994119390845299}],"sentiment":"negative","sentiment_score":-0.3387939617037773,"channel":1,"num_words":10,"start":6.96,"end":9.3},{"sentences":[{"text":"I have.","start":9.5199995,"end":10.16,"sentiment":"neutral","sentiment_score":-0.2813480570912361},{"text":"I'm so sorry.","start":10.16,"end":11.139999,"sentiment":"neutral","sentiment_score":-0.24141394595305124},{"text":"That's","start":12.375,"end":12.875,"sentiment":"neutral","sentiment_score":-0.03382090479135513}],"sentiment":"neutral","sentiment_score":-0.22012647613883018,"channel":0,"num_words":6,"start":9.5199995,"end":12.875},{"sentences":[{"text":"My good.","start":13.12,"end":13.78,"sentiment":"neutral","sentiment_score":0.06438907235860825}],"sentiment":"neutral","sentiment_score":0.06438907235860825,"channel":1,"num_words":2,"start":13.12,"end":13.78},{"sentences":[{"text":"fine.","start":13.815,"end":14.315,"sentiment":"neutral","sentiment_score":0.040202002972364426}],"sentiment":"neutral","sentiment_score":0.040202002972364426,"channel":0,"num_words":1,"start":13.815,"end":14.315},{"sentences":[{"text":"I had one","start":14.0,"end":14.48,"sentiment":"neutral","sentiment_score":-0.06605772177378337}],"sentiment":"neutral","sentiment_score":-0.06605772177378337,"channel":1,"num_words":3,"start":14.0,"end":14.48},{"sentences":[{"text":"No.","start":14.375,"end":14.775,"sentiment":"neutral","sentiment_score":-0.20232126116752625}],"sentiment":"neutral","sentiment_score":-0.20232126116752625,"channel":0,"num_words":1,"start":14.375,"end":14.775},{"sentences":[{"text":"a 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ago.","start":14.96,"end":15.7,"sentiment":"neutral","sentiment_score":-0.1261286847293377}],"sentiment":"neutral","sentiment_score":-0.1261286847293377,"channel":1,"num_words":2,"start":14.96,"end":15.7},{"sentences":[{"text":"Oh, no.","start":16.375,"end":17.015,"sentiment":"neutral","sentiment_score":-0.24666471034288406},{"text":"This is the tail end of it.","start":17.015,"end":18.455,"sentiment":"neutral","sentiment_score":-0.31999750648226055},{"text":"So it's just that croche sound that can hang on for a couple of days.","start":18.455,"end":22.075,"sentiment":"negative","sentiment_score":-0.35099151929219563}],"sentiment":"neutral","sentiment_score":-0.33325769814352196,"channel":0,"num_words":24,"start":16.375,"end":22.075},{"sentences":[{"text":"Yep.","start":22.985,"end":23.064999,"sentiment":"neutral","sentiment_score":-0.021080581471323967},{"text":"Yep.","start":23.064999,"end":23.564999,"sentiment":"neutral","sentiment_score":-0.008731460198760033}],"sentiment":"neutral","sentiment_score":-0.014906020835042,"channel":1,"num_words":2,"start":22.985,"end":23.564999},{"sentences":[{"text":"Me.","start":24.869999,"end":25.349998,"sentiment":"neutral","sentiment_score":-0.026763197034597397},{"text":"Sorry.","start":25.349998,"end":25.849998,"sentiment":"neutral","sentiment_score":-0.0910048484802246},{"text":"I had you booked in just a bit of a follow-up.","start":26.39,"end":28.55,"sentiment":"neutral","sentiment_score":-0.0249663663350723},{"text":"You sent me an email saying you'd have some changes to your to your retirement plan.","start":28.55,"end":33.29,"sentiment":"neutral","sentiment_score":-0.0051315188175067306}],"sentiment":"neutral","sentiment_score":-0.016362150906231897,"channel":0,"num_words":29,"start":24.869999,"end":33.29},{"sentences":[{"text":"Yes.","start":33.75,"end":34.15,"sentiment":"neutral","sentiment_score":0.09982960671186449},{"text":"We do.","start":34.15,"end":34.97,"sentiment":"neutral","sentiment_score":0.13194090127944946}],"sentiment":"neutral","sentiment_score":0.1212371364235878,"channel":1,"num_words":3,"start":33.75,"end":34.97},{"sentences":[{"text":"Yeah.","start":34.949997,"end":35.27,"sentiment":"neutral","sentiment_score":0.16439786553382874},{"text":"That's okay.","start":35.27,"end":35.829998,"sentiment":"neutral","sentiment_score":0.3028915524482727},{"text":"It's not a problem at all.","start":35.829998,"end":37.449997,"sentiment":"positive","sentiment_score":0.3637433350086212},{"text":"Are you both is Caroline there as well, or did you just wanna run","start":38.025,"end":41.225002,"sentiment":"neutral","sentiment_score":0.11046175179736954}],"sentiment":"neutral","sentiment_score":0.1956132828541424,"channel":0,"num_words":23,"start":34.949997,"end":41.225002},{"sentences":[{"text":"Yes.","start":41.190002,"end":41.690002,"sentiment":"neutral","sentiment_score":0.10816420614719392}],"sentiment":"neutral","sentiment_score":0.10816420614719392,"channel":1,"num_words":1,"start":41.190002,"end":41.690002},{"sentences":[{"text":"through things with me?","start":41.225002,"end":42.185,"sentiment":"neutral","sentiment_score":0.07228561118245125}],"sentiment":"neutral","sentiment_score":0.07228561118245125,"channel":0,"num_words":4,"start":41.225002,"end":42.185},{"sentences":[{"text":"Alright.","start":42.07,"end":42.57,"sentiment":"neutral","sentiment_score":0.1297808587551117}],"sentiment":"neutral","sentiment_score":0.1297808587551117,"channel":1,"num_words":1,"start":42.07,"end":42.57},{"sentences":[{"text":"Yeah.","start":42.185,"end":42.585003,"sentiment":"neutral","sentiment_score":0.13182345032691956},{"text":"How are you?","start":42.585003,"end":43.465,"sentiment":"neutral","sentiment_score":0.1536452571551005},{"text":"Hi.","start":43.465,"end":43.965,"sentiment":"neutral","sentiment_score":0.1013897955417633}],"sentiment":"neutral","sentiment_score":0.13882980346679688,"channel":0,"num_words":5,"start":42.185,"end":43.965},{"sentences":[{"text":"Hi.","start":44.485,"end":44.985,"sentiment":"neutral","sentiment_score":0.1398581564426422}],"sentiment":"neutral","sentiment_score":0.1398581564426422,"channel":1,"num_words":1,"start":44.485,"end":44.985},{"sentences":[{"text":"How's it going?","start":45.945,"end":46.845,"sentiment":"neutral","sentiment_score":0.17369134724140167},{"text":"What I'll do firstly is I just have to let you both know we do record our calls for quality and training purposes.","start":46.985,"end":51.865,"sentiment":"neutral","sentiment_score":0.11186652598173721},{"text":"Are you happy to proceed with that?","start":51.865,"end":53.725002,"sentiment":"neutral","sentiment_score":0.13948789983987808}],"sentiment":"neutral","sentiment_score":0.12334604358131235,"channel":0,"num_words":33,"start":45.945,"end":53.725002},{"sentences":[{"text":"Yep.","start":54.565002,"end":55.065002,"sentiment":"neutral","sentiment_score":0.08113323152065277},{"text":"Yep.","start":55.285,"end":55.785,"sentiment":"neutral","sentiment_score":0.08842309564352036}],"sentiment":"neutral","sentiment_score":0.08477816358208656,"channel":1,"num_words":2,"start":54.565002,"end":55.785},{"sentences":[{"text":"Yep.","start":55.359997,"end":55.679996,"sentiment":"neutral","sentiment_score":0.16636711359024048},{"text":"Beautiful.","start":55.679996,"end":56.079998,"sentiment":"positive","sentiment_score":0.4565066993236542},{"text":"And I'll just do security there with you real quick.","start":56.079998,"end":58.079998,"sentiment":"neutral","sentiment_score":0.23428331613540648},{"text":"I'll just get you confirm your date of birth, age, and your address.","start":58.079998,"end":61.3,"sentiment":"neutral","sentiment_score":0.11996007997256058}],"sentiment":"neutral","sentiment_score":0.1810075205564499,"channel":0,"num_words":25,"start":55.359997,"end":61.3},{"sentences":[{"text":"Okay.","start":61.78,"end":62.260002,"sentiment":"neutral","sentiment_score":0.06189534440636635},{"text":"You can go first.","start":62.260002,"end":63.24,"sentiment":"neutral","sentiment_score":0.036146839149296284},{"text":"9 To the 9th 19663 Rooney","start":63.38,"end":66.26,"sentiment":"neutral","sentiment_score":0.0244059336061279}],"sentiment":"neutral","sentiment_score":0.03208348205821081,"channel":1,"num_words":11,"start":61.78,"end":66.26},{"sentences":[{"text":"Yep.","start":66.255005,"end":66.755005,"sentiment":"neutral","sentiment_score":0.03482545167207718}],"sentiment":"neutral","sentiment_score":0.03482545167207718,"channel":0,"num_words":1,"start":66.255005,"end":66.755005},{"sentences":[{"text":"Road in 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for your presentation just so you have that there.","start":808.62,"end":813.5,"sentiment":"neutral","sentiment_score":0.149587292046774},{"text":"I've added a text message reminder as well for you.","start":813.5,"end":816.32,"sentiment":"neutral","sentiment_score":0.13579376190900802}],"sentiment":"neutral","sentiment_score":0.14513776619588176,"channel":0,"num_words":31,"start":808.62,"end":816.32},{"sentences":[{"text":"Yep.","start":816.74,"end":817.24,"sentiment":"neutral","sentiment_score":0.13437047600746155}],"sentiment":"neutral","sentiment_score":0.13437047600746155,"channel":1,"num_words":1,"start":816.74,"end":817.24},{"sentences":[{"text":"And, yeah, we'll get everything together, make it nice and done.","start":816.955,"end":819.755,"sentiment":"neutral","sentiment_score":0.2661984305490147},{"text":"So we have it by the so we can present on the April 20, and then we've got a bit of time there to read it over.","start":819.755,"end":826.795,"sentiment":"neutral","sentiment_score":0.145911721167741},{"text":"And then once you retire, we can take some money.","start":826.795,"end":829.675,"sentiment":"neutral","sentiment_score":0.14062609896063805},{"text":"I love it.","start":829.675,"end":830.495,"sentiment":"positive","sentiment_score":0.5096252163251241}],"sentiment":"neutral","sentiment_score":0.19221442835588082,"channel":0,"num_words":51,"start":816.955,"end":830.495},{"sentences":[{"text":"Yes.","start":831.145,"end":831.645,"sentiment":"neutral","sentiment_score":0.30316808819770813},{"text":"We 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hesitate.","start":835.57,"end":838.47003,"sentiment":"neutral","sentiment_score":0.1659365234275659},{"text":"Always let me know.","start":838.53,"end":839.33,"sentiment":"neutral","sentiment_score":0.12366354651749134},{"text":"I'm more than happy to make time to have a chat with you guys.","start":839.33,"end":841.81,"sentiment":"positive","sentiment_score":0.7878095209598541},{"text":"Okay?","start":841.81,"end":842.31,"sentiment":"neutral","sentiment_score":0.3109612464904785}],"sentiment":"positive","sentiment_score":0.44500359310768545,"channel":0,"num_words":32,"start":835.01,"end":842.31},{"sentences":[{"text":"Okay.","start":842.71,"end":843.03,"sentiment":"positive","sentiment_score":0.37786251306533813},{"text":"Magic.","start":843.03,"end":843.53,"sentiment":"positive","sentiment_score":0.7431234121322632},{"text":"Thank you very 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you so much for your time.","start":846.225,"end":847.745,"sentiment":"positive","sentiment_score":0.8511812090873718},{"text":"I hope you have both have a lovely evening.","start":847.745,"end":849.76495,"sentiment":"positive","sentiment_score":0.7755442791514926}],"sentiment":"positive","sentiment_score":0.8027738367809969,"channel":0,"num_words":17,"start":845.50494,"end":849.76495},{"sentences":[{"text":"Yes.","start":850.07,"end":850.47003,"sentiment":"positive","sentiment_score":0.477417528629303},{"text":"You too, Dana.","start":850.47003,"end":851.3429,"sentiment":"positive","sentiment_score":0.4734165072441101}],"sentiment":"positive","sentiment_score":0.4744167625904083,"channel":1,"num_words":4,"start":850.07,"end":851.3429},{"sentences":[{"text":"Thanks.","start":851.745,"end":852.245,"sentiment":"positive","sentiment_score":0.603919267654419},{"text":"Talk soon.","start":852.305,"end":852.865,"sentiment":"positive","sentiment_score":0.4349253177642822},{"text":"See you later.","start":852.865,"end":853.76495,"sentiment":"positive","sentiment_score":0.3760004738966624}],"sentiment":"positive","sentiment_score":0.4336285541454951,"channel":0,"num_words":6,"start":851.745,"end":853.76495},{"sentences":[{"text":"Okay.","start":853.6629,"end":854.1429,"sentiment":"neutral","sentiment_score":0.16517174243927002},{"text":"Bye bye.","start":854.1429,"end":854.5429,"sentiment":"neutral","sentiment_score":0.14872213453054428},{"text":"Bye.","start":854.5429,"end":855.0429,"sentiment":"neutral","sentiment_score":0.12191122025251389}],"sentiment":"neutral","sentiment_score":0.14613180793821812,"channel":1,"num_words":4,"start":853.6629,"end":855.0429},{"sentences":[{"text":"Bye.","start":855.02496,"end":855.52496,"sentiment":"neutral","sentiment_score":-0.13218100368976593}],"sentiment":"neutral","sentiment_score":-0.13218100368976593,"channel":0,"num_words":1,"start":855.02496,"end":855.52496}]},"summary":{"result":"success","short":"Representatives from O liquor Finance speak with customers about their retirement plans and retirement dates. They suggest a lump sum retirement plan and advise withdrawing and drawing down debts. The representatives also explain sick leave and retirement plans, and offer to provide advice and book meetings for further discussion. The customers are advised to update their mortgage rates and loan information, and the representatives remind them to let them know if they need further assistance."},"intents":{"segments":[{"text":"So when we talk about retiring now, essentially, in order to access super at the age of 60, you have to have the intention of never going back to work again. There's obviously nothing in legislation that says that you don't that you don't that you, you know, can't go back to work in the future. However, Yep.","start_word":295,"end_word":352,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.032709092}]},{"text":"What date are you what date are you hoping to what date do you think you would like to retire?","start_word":409,"end_word":428,"intents":[{"intent":"Confirm retirement date","confidence_score":0.0977654},{"intent":"Discuss retirement date","confidence_score":0.022764461},{"intent":"Discuss retirement date","confidence_score":0.010006091},{"intent":"Confirm retirement date","confidence_score":0.55972743}]},{"text":"We have almost completed all the advice we needed, so I do apologize. It has taken a bit longer to get the advice up to date. But I can have this done in the next sort of three weeks for you to finalize things.","start_word":463,"end_word":506,"intents":[{"intent":"Finalize retirement arrangements","confidence_score":0.0000049550995}]},{"text":"I can do the advice up as we were originally planning, or I can just suggest the advice to say that because you're, you know, planning to retire mid May, you just need to essentially let us know when that happens, and the advice will then be for you to withdraw the 160,000. And then because Carolyn will still be working until September. Income Yes.","start_word":664,"end_word":728,"intents":[{"intent":"Obtain advice on retirement planning","confidence_score":0.0003288845},{"intent":"Discuss retirement super withdrawal plans","confidence_score":0.0017497691},{"intent":"Discuss retirement plans","confidence_score":0.090375274}]},{"text":"Essentially, are you just wanting me to do just a limited scope advice to show maybe making changes to the investment portfolio for you?","start_word":766,"end_word":789,"intents":[{"intent":"Explore investment portfolio changes","confidence_score":0.0002576189}]},{"text":"We're we're looking at purchasing a A caravan. A hybrid caravan Yeah.","start_word":963,"end_word":974,"intents":[{"intent":"Purchase caravan","confidence_score":0.8570404}]},{"text":"And, Neil, when you do happen to retire in, Yep. say, mid May, are you gonna have much in the way of long service leave, sick leave, annual leave, things like that?","start_word":1014,"end_word":1045,"intents":[{"intent":"Inquire about retirement options","confidence_score":0.0039752275},{"intent":"Determine retirement age","confidence_score":0.05688307},{"intent":"Determine retirement age","confidence_score":0.03160345},{"intent":"Determine retirement criteria","confidence_score":0.00023306157},{"intent":"Determine eligibility for retirement","confidence_score":0.004643391}]},{"text":"So at the moment, we're just focused on you retiring, and then when you're ready to go back to see if they'll maybe take you back if you, you know, decide to later down the track.","start_word":1177,"end_word":1212,"intents":[{"intent":"Decide retirement plan","confidence_score":0.0001263358}]},{"text":"Did you want me to factor into the advice piece maybe, sorry, a regular withdrawal down to cover income costs, or do you think with the with the annual leave and the long service leave, you might be okay for the short period of time, and you wanna look at that down the track. We'll be okay with that for this short period of time plus Caroline's still working.","start_word":1215,"end_word":1283,"intents":[{"intent":"Consider withdrawal options","confidence_score":0.05044682}]},{"text":"So once you've had that meeting with them, can you just email me, Neil?","start_word":1573,"end_word":1586,"intents":[{"intent":"Arrange meeting","confidence_score":0.017819386}]},{"text":"can I book you guys in for when I come back maybe the week of the April 20 to have that advice presented to you? Is that okay?","start_word":1622,"end_word":1649,"intents":[{"intent":"Book advice","confidence_score":0.2038125}]},{"text":"Now since we kinda did the research there, I know interest rates definitely have changed on your mortgage there at the moment. Did you want me to update the interest rates and maybe factor in changes to interest rates on the loans?","start_word":1800,"end_word":1841,"intents":[{"intent":"Update interest rates","confidence_score":0.6103769}]},{"text":"Are you happy just knowing the 160 will cover everything and pay it out?","start_word":1842,"end_word":1855,"intents":[{"intent":"Cover debts","confidence_score":0.051330525}]},{"text":"Well, I can absolutely go back and update this advice. I'll have it ready for you for Monday, the twentieth. We'll go through things in a bit of detail, and then you guys get to take it back and have a really good rate of of everything. Does that sound okay? Sounds right.","start_word":1918,"end_word":1970,"intents":[{"intent":"Update advice","confidence_score":0.6097437}]},{"text":"Is there anything else that I might have missed that you might wanna incorporate? Or I don't know. Is there a form or anything that I might have to fill out when for you retopling? retire yes.","start_word":1972,"end_word":2008,"intents":[{"intent":"Create plans","confidence_score":0.0005432598}]},{"text":"It's just a tick box to say that you confirm that you've officially retired, you have no intention of going back to work, and that you're over the age of 60.","start_word":2028,"end_word":2058,"intents":[{"intent":"Confirm retirement","confidence_score":0.123601176}]},{"text":"We'll get bank details, but we'll do that when we get to the implementation side and need to draw the funds out.","start_word":2068,"end_word":2089,"intents":[{"intent":"Gather bank details","confidence_score":0.103103794}]},{"text":"So as soon as you give me the date, I've got a bit of an idea on when we're working with. And in the meantime, I can get everything else together for you and get that advice ready to go. Okay?","start_word":2113,"end_word":2153,"intents":[{"intent":"Have advice ready","confidence_score":0.0012983857}]},{"text":"Really excited for you Sounds at the same time.","start_word":2158,"end_word":2166,"intents":[{"intent":"Express excitement","confidence_score":0.35300514}]},{"text":"And I have to ask the hybrid caravan because, like, I didn't realize you could get hybrid caravans.","start_word":2227,"end_word":2244,"intents":[{"intent":"Ask about hybrid caravans","confidence_score":0.21290115}]},{"text":"So you've got solar panels. You've got your own water. I mean, it's not for a a permanent thing, but Yeah. it is, you know, for for sure stays, you can go off grid. That's I suppose fantastic.","start_word":2278,"end_word":2315,"intents":[{"intent":"Explain solar panels","confidence_score":0.07090037},{"intent":"Express excitement about solar panels","confidence_score":0.00009435525}]},{"text":"So we have it by the so we can present on the April 20, and then we've got a bit of time there to read it over. And then once you retire, we can take some money. I love it. Yes.","start_word":2448,"end_word":2488,"intents":[{"intent":"Present presentation","confidence_score":0.00018114003}]}]},"sentiments":{"segments":[{"text":"Hello? No. Speaking. Hi, Neil. It's Dana from OKIE Finance. How are you this afternoon? Sorry. What?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.09246818721294404},{"text":"Oh, you're saying like you got a cold.","start_word":17,"end_word":24,"sentiment":"negative","sentiment_score":-0.3778494894504547},{"text":"I have. I'm so sorry. That's My good. fine. I had one No. a couple I of know. weeks ago. Oh, no. This is the tail end of it.","start_word":25,"end_word":53,"sentiment":"neutral","sentiment_score":-0.1808890849351883},{"text":"So it's just that croche sound that can hang on for a couple of days.","start_word":54,"end_word":68,"sentiment":"negative","sentiment_score":-0.34948262572288513},{"text":"Yep. Yep. Me. Sorry. I had you booked in just a bit of a follow-up. You sent me an email saying you'd have some changes to your to your retirement plan. Yes. We do. Yeah. That's okay.","start_word":69,"end_word":105,"sentiment":"neutral","sentiment_score":0.029220907017588615},{"text":"It's not a problem at all.","start_word":106,"end_word":111,"sentiment":"positive","sentiment_score":0.36139336228370667},{"text":"Are you both is Caroline there as well, or did you just wanna run Yes. through things with me? Alright. Yeah. How are you? Hi. Hi. How's it going? What I'll do firstly is I just have to let you both know we do record our calls for quality and training purposes. Are you happy to proceed with that? Yep. Yep. Yep.","start_word":112,"end_word":173,"sentiment":"neutral","sentiment_score":0.11895425617694856},{"text":"Beautiful.","start_word":174,"end_word":174,"sentiment":"positive","sentiment_score":0.4565066993236542},{"text":"And I'll just do security there with you real quick. I'll just get you confirm your date of birth, age, and your address. Okay. You can go first. 9 To the 9th 19663 Rooney Yep. Road in cable. 20 Perfect. 7th To the 10th, 60 Yep. 43 Rooney Road cable.","start_word":175,"end_word":224,"sentiment":"neutral","sentiment_score":0.09486092627048492},{"text":"Beautiful. Thank you so much for that. Perfect.","start_word":225,"end_word":232,"sentiment":"positive","sentiment_score":0.6411771178245544},{"text":"So how can I help? What sort of changes are we thinking about? Well, we're concerned about the interest rates rising, Yes. which means our mortgage repayments rise a little bit. But Yep. so we're looking at me retiring now Okay. and and going back to work, but just Yep. drawing out enough to pay off all of our debts. Okay. So when we talk about retiring now, essentially, in order to access super at the age of 60, you have to have the intention of never going back to work again. There's obviously nothing in legislation that says that you don't that you don't that you, you know, can't go back to work in the future. However, Yep. you have to have the intention that you are technically going to retire. So have you because, Neil, this would be yourself because Carolyn's not quite 60 until September. So you would be That's right. essentially retiring? Yes. Yep. Okay. When are you thinking of doing this? Sooner rather than later. Yep. No. That's okay. That's okay. What date are you what date are you hoping to what date do you think you would like to retire? Because, essentially, for this to happen, all you need to do is tell me what date you're gonna retire. You just need Yep. to let your employer know and then confirm once that's occurred. We have almost completed all the advice we needed, so I do apologize. It has taken a bit longer to get the advice up to date. But I can have this done in the next sort of three weeks for you to finalize things. But when are you sort of thinking you are gonna stop working completely? I think I was sort of thinking mid mid May. Mid May? Yep. Okay. Perfect. Yeah. We have a few weeks there. Yeah. No. Not a problem at Yeah. all. Mid May.","start_word":233,"end_word":551,"sentiment":"neutral","sentiment_score":0.01707322605911841},{"text":"Beautiful. All good.","start_word":552,"end_word":554,"sentiment":"positive","sentiment_score":0.546192467212677},{"text":"And are you just wanting to take, like, a lump sum out of super, or what's your sort of plan? Okay. So, yeah, it would be a lump sum. Mhmm. So we could then pay off the the two mortgages, the car, and then we have a $26,000 debt tax debt there. Okay. So Yeah. so the two mortgages I think and it works the car, it works there around about $1.60. Yeah. 160,000. Yep.","start_word":555,"end_word":629,"sentiment":"neutral","sentiment_score":0.108417027592659},{"text":"Perfect. Not a problem at all.","start_word":630,"end_word":635,"sentiment":"positive","sentiment_score":0.4838075041770935},{"text":"Yeah. Because I'm just having a look at the fact find I had here as well. Fact find. So we can do this essentially one of two ways. I can do the advice up as we were originally planning, or I can just suggest the advice to say that because you're, you know, planning to retire mid May, you just need to essentially let us know when that happens, and the advice will then be for you to withdraw the 160,000. And then because Carolyn will still be working until September. Income Yes. wise, because, realistically, I can't put the advice document together that says that you're gonna retire, draw some money out, and go back to work. That's not ethically Yeah. No. right under No. the Yep. legislation. Yep. Essentially, are you just wanting me to do just a limited scope advice to show maybe making changes to the investment portfolio for you? And then also just when you retire, drawing down some drawing down that amount, you need the 160 k. And then we can look at further advice, you know, down the track. Or what Yes. would you like? Is that okay? Yes. No. That works fine. Yep. That's okay?","start_word":636,"end_word":838,"sentiment":"neutral","sentiment_score":-0.005078072659671307},{"text":"Beautiful.","start_word":839,"end_word":839,"sentiment":"positive","sentiment_score":0.375887930393219},{"text":"Yep. Sorry. I'm just trying to kinda piece together what I what I can do for you, but just making sure I'm not, you know I've gotta be really ethical about things the way they work as well. Yes. So I It's can do understandable. that limited scope for you to do it that way. And then, Carolyn, when you retire, also, when you stop working at age 60 in September, are you still wanting to draw down your super as well, or what's the plan with that? Yeah. I'll probably draw it down. You'll probably still draw Probably that down? not all of it though? Probably not all of Okay. it. Just probably, you know, probably half of it. Okay. Okay. Yeah. We're we're looking at purchasing a A caravan. A hybrid caravan Yeah.","start_word":840,"end_word":974,"sentiment":"neutral","sentiment_score":-0.02396162019835578},{"text":"Nice.","start_word":975,"end_word":975,"sentiment":"positive","sentiment_score":0.6378858685493469},{"text":"so we can start doing a bit of inland travel. We do the Oh, coast lovely. traveling at the moment because we've got the boat, but Mhmm. we can't tow the boat and the caravan.","start_word":976,"end_word":1010,"sentiment":"neutral","sentiment_score":0.12141374498605728},{"text":"Okay. Beautiful. Beautiful.","start_word":1011,"end_word":1013,"sentiment":"positive","sentiment_score":0.5406908988952637},{"text":"And, Neil, when you do happen to retire in, Yep. say, mid May, are you gonna have much in the way of long service leave, sick leave, annual leave, things like that? It won't be sick leave. So the annual leave or long service leave that they'll pay out on top of that or that you know? There will be some a little bit of annual leave, and I think I've Yep. still got four weeks of long service that I haven't used. Okay. Do you know how I'm much not sure not sure how much will be added on to that because I've been there just over fourteen years. yeah. Okay. Fourteen years. Perfect. But I'm I'm having a meeting with the HR manager on Wednesday to find out whether, one, they would accept me back after retiring and being away for a certain amount of time. Yep. We go back as permanent part time or something. Okay. No worries at all. So at the moment, we're just focused on you retiring, and then when you're ready to go back to see if they'll maybe take you back if you, you know, decide to later down the track. Yes. Yep. Did you want me to factor into the advice piece maybe, sorry, a regular withdrawal down to cover income costs, or do you think with the with the annual leave and the long service leave, you might be okay for the short period of time, and you wanna look at that down the track. We'll be okay with that for this short period of time plus Caroline's still working. Without the mortgage payments, we'll have plenty with Caroline's Okay. pay. Okay.","start_word":1014,"end_word":1295,"sentiment":"neutral","sentiment_score":0.007584306847383367},{"text":"Perfect. Excellent. Lovely.","start_word":1296,"end_word":1298,"sentiment":"positive","sentiment_score":0.6180084943771362},{"text":"I'm so sorry. I'm just at the tail end of this cold, so Yeah. No. I'm That's sort of fine. trying to One second. I'm so I'm sorry, still guys. I'm still a little Oh, crazy for mine. you poor thing is they hang on a little bit, don't they? They do. Yeah. It's But just I wanted letting to make sure me know. I didn't I wanted to make sure I was here for your call. When I found out I was sick on the weekend, I thought, no. I can't not be there on Monday for Neil and Carolyn.","start_word":1299,"end_word":1399,"sentiment":"neutral","sentiment_score":-0.09906666725873949},{"text":"I felt bad.","start_word":1400,"end_word":1402,"sentiment":"negative","sentiment_score":-0.41172438859939575},{"text":"It had to be a few weeks down the track from when you emailed me. So I was like, no. I don't wanna have to reschedule you guys. All good. So with the advice piece, essentially, I'll do the research. We'll have a I'll finish the research off for you. We'll be looking at Neil retiring amount about mid May there. You don't Yes. need any long term income at the moment. We can kinda scope that out for the moment and come back to that sort of after after you've had your retirement and you've, you know, close to using up all your income. Carolyn, you'll be wanting to, in September at the moment, drawing at half of your super, And near Yes. when you retire, we'll draw a 160,000 out, leave the rest invested, and I'll just look at altering the portfolio as we kinda discussed earlier. Does that sound right? Have I missed anything at all or No. No. That's good. no? That's good.","start_word":1403,"end_word":1569,"sentiment":"neutral","sentiment_score":-0.0118536539375782},{"text":"Beautiful. Fantastic. Excellent.","start_word":1570,"end_word":1572,"sentiment":"positive","sentiment_score":0.5368221998214722},{"text":"So once you've had that meeting with them, can you just email me, Neil? Let me know the date that you're hoping to retire. I am away over the Easter break. I'm so sorry. I'm taking some time No. for That's my okay. little boy.","start_word":1573,"end_word":1617,"sentiment":"neutral","sentiment_score":-0.010128338717752032},{"text":"That's good.","start_word":1618,"end_word":1619,"sentiment":"positive","sentiment_score":0.46727630496025085},{"text":"But Yep. can I book you guys in for when I come back maybe the week of the April 20 to have that advice presented to you? Is that okay? Yep.","start_word":1620,"end_word":1650,"sentiment":"neutral","sentiment_score":0.10289480537176132},{"text":"That works out well. Just Beautiful.","start_word":1651,"end_word":1656,"sentiment":"positive","sentiment_score":0.4993267655372619},{"text":"before we go on I hold, act please.","start_word":1657,"end_word":1664,"sentiment":"neutral","sentiment_score":0.1781456619501114},{"text":"beautiful.","start_word":1665,"end_word":1665,"sentiment":"positive","sentiment_score":0.3791937232017517},{"text":"I actually have 6PM available on Monday, so I'm going to block that one out for you guys if that's okay. 6PM actually, we're gonna be because you guys are in WA. No. Yes. It's still two hours behind, so that's still 04:00. That still works Okay. out.","start_word":1666,"end_word":1713,"sentiment":"neutral","sentiment_score":0.04018671810626984},{"text":"Awesome.","start_word":1714,"end_word":1714,"sentiment":"positive","sentiment_score":0.4211048483848572},{"text":"Yeah. Yep.","start_word":1715,"end_word":1716,"sentiment":"neutral","sentiment_score":0.21882157027721405},{"text":"It worked Beautiful. that well.","start_word":1717,"end_word":1721,"sentiment":"positive","sentiment_score":0.3947356939315796},{"text":"It does. I'm sorry. I always get mixed up a little bit because I'm actually living in New South Wales, and I drive into Queensland for work. So when Hello? I'm talking to you guys, if I'm in New South Wales, you're three hours behind me. But if I'm in Queensland, you're only two hours behind me. So Well yeah.","start_word":1722,"end_word":1781,"sentiment":"neutral","sentiment_score":-0.09073901176452635},{"text":"That would be a messy gift.","start_word":1782,"end_word":1787,"sentiment":"negative","sentiment_score":-0.44698411226272583},{"text":"There we go.","start_word":1788,"end_word":1790,"sentiment":"neutral","sentiment_score":0.010286947712302208},{"text":"Perfect. So I'll book that one there for you.","start_word":1791,"end_word":1799,"sentiment":"positive","sentiment_score":0.35998842120170593},{"text":"Now since we kinda did the research there, I know interest rates definitely have changed on your mortgage there at the moment. Did you want me to update the interest rates and maybe factor in changes to interest rates on the loans? Are you happy just knowing the 160 will cover everything and pay it out? I'm pretty sure the $1.60 will cover it. Yep.","start_word":1800,"end_word":1864,"sentiment":"neutral","sentiment_score":0.04702918231487274},{"text":"Beautiful.","start_word":1865,"end_word":1865,"sentiment":"positive","sentiment_score":0.38296887278556824},{"text":"I mean, because we've got we've got a little buffer there. We've got an extra 26 in one of the accounts, Yep. but Yep. that will be coming out. It takes time Yep. to cover the That's property the that we've debt. sold. Yeah. No. That's okay. That's Yep.","start_word":1866,"end_word":1914,"sentiment":"neutral","sentiment_score":0.06448632250634992},{"text":"not a problem. Well, I can absolutely go back and update this advice. I'll have it ready for you for Monday, the twentieth. We'll go through things in a bit of detail, and then you guys get to take it back and have a really good rate of of everything.","start_word":1915,"end_word":1964,"sentiment":"positive","sentiment_score":0.5229485034942627},{"text":"Does that sound okay?","start_word":1965,"end_word":1968,"sentiment":"neutral","sentiment_score":0.3306020200252533},{"text":"Sounds right. Beautiful.","start_word":1969,"end_word":1971,"sentiment":"positive","sentiment_score":0.5741832852363586},{"text":"Is there anything else that I might have missed that you might wanna incorporate? Or I don't know. Is there a form or anything that I might have to fill out when for you retopling? retire yes. So in order to withdraw the funds out, there will be a form, but it's easy Yep. to do. It's just a tick box to say that you confirm that you've officially retired, you have no intention of going back to work, and that you're over the age of 60. And, yeah, once you tick that box, it's fine. We'll get bank details, but we'll do that when we get to the implementation side and need to draw the funds out. We Yes. don't need any of that right at the moment, which is a good Yes. thing. And, yeah, like, you're 16 now. So as soon as you give me the date, I've got a bit of an idea on when we're working with. And in the meantime, I can get everything else together for you and get that advice ready to go. Okay?","start_word":1972,"end_word":2153,"sentiment":"neutral","sentiment_score":0.0890595018863678},{"text":"Fantastic. Perfect. Yeah. Perfect. Really excited for you Sounds at the same time. Debt free. You'll good. be living everyone's dream. Oh, that's been my dream for years.","start_word":2154,"end_word":2181,"sentiment":"positive","sentiment_score":0.6142481565475464},{"text":"As we And as we started so late together, it's like Yeah, mate. oh. It was it It's was daunting, and it's it's like it's now reality that we can actually pay off and be debt yeah. free.","start_word":2182,"end_word":2219,"sentiment":"neutral","sentiment_score":-0.06968802292095988},{"text":"Oh, that's so beautiful, though. That's fantastic.","start_word":2220,"end_word":2226,"sentiment":"positive","sentiment_score":0.6082398891448975},{"text":"And I have to ask the hybrid caravan because, like, I didn't realize you could get hybrid caravans. What is it the same as having a hybrid vehicle? What kinda Yeah. makes Yeah. No. it hybrid? So, basically, they're they're an off road caravan, Yep. but they are off grid. Okay. So you've got solar panels. You've got your own water. I mean, it's not for a a permanent thing, but Yeah. it is, you know, for for sure stays, you can go off grid. That's I suppose fantastic. probably up up to a week or something Yeah. like that.","start_word":2227,"end_word":2326,"sentiment":"neutral","sentiment_score":0.03571433201432228},{"text":"That that's fantastic.","start_word":2327,"end_word":2329,"sentiment":"positive","sentiment_score":0.47539466619491577},{"text":"That'll kinda Yeah. open up so many more areas for you to travel Oh, to and yeah. enjoy. Absolutely. Yeah. Yeah. Even Beautiful. over each. Yeah. No.","start_word":2330,"end_word":2356,"sentiment":"neutral","sentiment_score":0.16195620596408844},{"text":"That is fantastic. I love that. Beautiful.","start_word":2357,"end_word":2363,"sentiment":"positive","sentiment_score":0.5865123867988586},{"text":"Well, I will get cracking and update this advice space. If there's anything else that you guys think of that you might need, don't ever hesitate. I can always go back and rejig things nice and quickly for you. I'll Yep. send you an email afterwards just with the updated time and date for your presentation just so you have that there. I've added a text message reminder as well for you. Yep. And, yeah, we'll get everything together, make it nice and done. So we have it by the so we can present on the April 20, and then we've got a bit of time there to read it over. And then once you retire, we can take some money.","start_word":2364,"end_word":2484,"sentiment":"neutral","sentiment_score":0.1865196228027344},{"text":"I love it.","start_word":2485,"end_word":2487,"sentiment":"positive","sentiment_score":0.4913431406021118},{"text":"Yes.","start_word":2488,"end_word":2488,"sentiment":"neutral","sentiment_score":0.30316808819770813},{"text":"We do Beautiful. too. Beautiful.","start_word":2489,"end_word":2493,"sentiment":"positive","sentiment_score":0.4226703345775604},{"text":"If there's anything you think of or any changes, don't ever hesitate. Always let me know.","start_word":2494,"end_word":2509,"sentiment":"neutral","sentiment_score":0.1609654724597931},{"text":"I'm more than happy to make time to have a chat with you guys.","start_word":2510,"end_word":2523,"sentiment":"positive","sentiment_score":0.7785971760749817},{"text":"Okay?","start_word":2524,"end_word":2524,"sentiment":"neutral","sentiment_score":0.3109612464904785},{"text":"Okay. Magic. Thank you very much, Beautiful. Dana. Thank My you. pleasure. Thank you so much for your time. I hope you have both have a lovely evening. Yes. You too, Dana. Thanks. Talk soon. See you later.","start_word":2525,"end_word":2562,"sentiment":"positive","sentiment_score":0.6682892441749573},{"text":"Okay. Bye bye. Bye. Bye.","start_word":2563,"end_word":2567,"sentiment":"neutral","sentiment_score":0.13634322583675385}],"average":{"sentiment":"neutral","sentiment_score":0.07360274515347684}}}}