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I'm just finishing off the advice for your portfolio switch when you're super, and I did notice that there was a bit of a policy anniversary for your insurances. So I just wanted to give you a quick buzz just to kind of run you through what the figures look like just in case. Awesome. Now just before I jump into it, just need to go through the quick security process with you. Do you recall your client password, Ken? Perfect. And are you okay for the call to be recorded? Awesome. Thank you so much for that. Now, Ken, there was one other thing I was gonna ask you as well, but just with the insurances, I've always factored in the premiums when I do the projections. So I'm gonna include all of this in the statement of advice just so you can see kind of what the figures look like. But your one path policy, it is stepped, and it does, like, bump up your cover every year as well slightly to kind of get you a bit of a cheaper increase. So I'll just quickly run you through the figures. You let me know if there's any kind of issues. We've got 537,000 worth of life insurance and total disability. That's bumped up to 563,000. So, like, a $30 bump off of your life insurance. Now the income protection has gone up slightly as well from $4.06 $9.05 to $4.08 $0.08. Now I'm not too concerned about the figures there because the income protection, that's protecting an income of 82,000, but we had you at, like, an $80,000 base earning over a $100, like, in total. So what that means is, like, if you claimed on it, you would still be able to get paid out that maximum amount of 4,800. Yep. Now with, like, the life and disability insurance, it's still sitting at that kind of half 1,000,000 mark, and it's only been a year and a half. So I just wanted to quickly run it by you and say, is there any major issue that you can see in that amount or cover that you would get in the event of, like, you can never work again or you pass away. Not necessarily. I think what they put in place originally was pretty reasonable. You can obviously insure yourself for anything. Right? You can get off. You can really stack a lot of things up, and before you know it, you're sitting at a million dollars or even 2 million dollars, which you don't need to do. My only actual red flag of concern is that because the the policies on the smoke is right just for the time being until that's twelve months free, the price is still getting quite high. Now all that means is it was 2,800. It's 3,300, Going up about 16 percent. It's kind of on that that 29% of your contributions threshold where I go, oh, it's getting a little bit high. But if we can remove the smokers' rates in six or twelve months' time, that'll drop it almost in half. Yes. So once you're 12 months nicotine free, they literally chop at 50%. And then it'll go to, like, $161,800 dollars, which would be a lot more manageable. So I'm not too worried about it for the time being. I'm gonna factor it into the projections. But if it continued on and it became 4,000, $5,000, I would probably have to trim it down. Does that make sense? Cool. So you'll be getting after I do this portfolio update, Veronica's gonna look after you for the next sort of year or so and do that annual review as kind of your main go to adviser. And I've already discussed all of this with her as well. So when I put it in the plan, you'll see it all in writing. But in that next catch up, she'll just double check how you're going with smoking status, if there's been any increases in the price again, and if you need to change anything. So cool. So I'll factor it in. I'll leave it alone for the time being. Just wanted to run it by you briefly. So last question I've got before I let you go is I was just trying to factor in your contributions from work and because you're doing that salary sacrifice. I just wanted to quickly ask you what arrangement that you put in place with work. So I was trying to mess with the figures, and I was like, oh, it kinda looks like there was a note saying that it was 20% in total with what work puts in plus your extra. You it does look percentage based. Does that ring a bell? That makes a bit more sense because I was trying to work it back, and it was going, like, a $106 a week salary sacrifice. And it was 137, a 152, a 191, and it was just kind of up and down. Yep. And then your work contributions for the first half of last year was, like, flat. It was $2.38 nonstop. And then all of a sudden, we've hit recently, and it's, like, $4.30, $3.43. And it's just been, like, the last four or five months that it's been kind of up and down. Yep. That makes a lot of sense. Oh, jeez. Oh, awesome. So is your base income still around the 80,000 month? Yeah. That'd be helpful. So I'm definitely gonna do just a couple of estimates because, obviously, we know your base. You're gonna be over a $100 in total, so I'm just kind of doing some estimates on what contribution to to be expected. But I just wanted to see if there was anything a little bit more concrete that you could find. Yeah. Okay. That makes a little bit closer to what I was factoring in, which I think I was working back almost, like, a hundred and twenty five, hundred and thirty. Okay. New base market. You're flat sort of $100,105 something after the three year mark. Cool. How cool. Pretty consistently. Nothing too crazy. It's gonna obviously bump up the like, I'll work back the actual contributions you've gotten for the projection, so that's okay. I think that's a pretty safe bet, to be honest. So I was feeling like 80 was looking a little bit low pretty consistently. And what I'll do is I'll just put all this context into some file notes for you so that if anyone else looks at your file or if Monica and I are having a review six or twelve months time, it kind of makes sense the fluctuations that are going on, and it'll give us a bit of a, I guess, a framework between this and that. Cool. Okay. Yeah. I'll work off that. That kinda helps me with the contributions. I'll factor in the insurances. And you did also sign your service agreement with our financial a little while ago as well. So I'm just gonna factor in basically everything, premiums, fees, taxes, the whole lot is gonna be in the projections. And I think that's all good for, like, another nine months or so. Awesome. I really do appreciate you taking a few minutes with me today. Do you have any questions for me? So, Kim, is there a a good day potentially end of next week or week after that I can run through this plan with you? Next week, if possible. Sure. Is it easier for you in the morning? So That would be perfect. I can do the same. I'll drop my kids off, and we can both catch up at 10:00 on Friday the twenty seventh. And as long as you've got access to your email address, it shouldn't take more than half. Awesome, Kim. I'll send you a little bit of an invite, and I'll put all this in the plan together, and I'll catch you in the next week. Thank you. Have a great day. 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Kim. It's Tommy here from. How you been? I'm doing fantastic. I do appreciate you giving me a bit of time this afternoon.\n\nThank you so much for that. Today is a bit of a short call. I'm just finishing off the advice for your portfolio switch when you're super, and I did notice that there was a bit of a policy anniversary for your insurances. So I just wanted to give you a quick buzz just to kind of run you through what the figures look like just in case. Awesome.\n\nNow just before I jump into it, just need to go through the quick security process with you. Do you recall your client password, Ken? Perfect. And are you okay for the call to be recorded? Awesome.\n\nThank you so much for that. Now, Ken, there was one other thing I was gonna ask you as well, but just with the insurances, I've always factored in the premiums when I do the projections. So I'm gonna include all of this in the statement of advice just so you can see kind of what the figures look like. But your one path policy, it is stepped, and it does, like, bump up your cover every year as well slightly to kind of get you a bit of a cheaper increase. So I'll just quickly run you through the figures.\n\nYou let me know if there's any kind of issues. We've got 537,000 worth of life insurance and total disability. That's bumped up to 563,000. So, like, a $30 bump off of your life insurance. Now the income protection has gone up slightly as well from $4.06 $9.05 to $4.08 $0.08.\n\nNow I'm not too concerned about the figures there because the income protection, that's protecting an income of 82,000, but we had you at, like, an $80,000 base earning over a $100, like, in total. So what that means is, like, if you claimed on it, you would still be able to get paid out that maximum amount of 4,800. Yep. Now with, like, the life and disability insurance, it's still sitting at that kind of half 1,000,000 mark, and it's only been a year and a half. So I just wanted to quickly run it by you and say, is there any major issue that you can see in that amount or cover that you would get in the event of, like, you can never work again or you pass away.\n\nNot necessarily. I think what they put in place originally was pretty reasonable. You can obviously insure yourself for anything. Right? You can get off.\n\nYou can really stack a lot of things up, and before you know it, you're sitting at a million dollars or even 2 million dollars, which you don't need to do. My only actual red flag of concern is that because the the policies on the smoke is right just for the time being until that's twelve months free, the price is still getting quite high. Now all that means is it was 2,800. It's 3,300, Going up about 16 percent. It's kind of on that that 29% of your contributions threshold where I go, oh, it's getting a little bit high.\n\nBut if we can remove the smokers' rates in six or twelve months' time, that'll drop it almost in half. Yes. So once you're 12 months nicotine free, they literally chop at 50%. And then it'll go to, like, $161,800 dollars, which would be a lot more manageable. So I'm not too worried about it for the time being.\n\nI'm gonna factor it into the projections. But if it continued on and it became 4,000, $5,000, I would probably have to trim it down. Does that make sense? Cool. So you'll be getting after I do this portfolio update, Veronica's gonna look after you for the next sort of year or so and do that annual review as kind of your main go to adviser.\n\nAnd I've already discussed all of this with her as well. So when I put it in the plan, you'll see it all in writing. But in that next catch up, she'll just double check how you're going with smoking status, if there's been any increases in the price again, and if you need to change anything. So cool. So I'll factor it in.\n\nI'll leave it alone for the time being. Just wanted to run it by you briefly. So last question I've got before I let you go is I was just trying to factor in your contributions from work and because you're doing that salary sacrifice. I just wanted to quickly ask you what arrangement that you put in place with work. So I was trying to mess with the figures, and I was like, oh, it kinda looks like there was a note saying that it was 20% in total with what work puts in plus your extra.\n\nYou it does look percentage based. Does that ring a bell? That makes a bit more sense because I was trying to work it back, and it was going, like, a $106 a week salary sacrifice. And it was 137, a 152, a 191, and it was just kind of up and down. Yep.\n\nAnd then your work contributions for the first half of last year was, like, flat. It was $2.38 nonstop. And then all of a sudden, we've hit recently, and it's, like, $4.30, $3.43. And it's just been, like, the last four or five months that it's been kind of up and down. Yep.\n\nThat makes a lot of sense. Oh, jeez. Oh, awesome. So is your base income still around the 80,000 month? Yeah.\n\nThat'd be helpful. So I'm definitely gonna do just a couple of estimates because, obviously, we know your base. You're gonna be over a $100 in total, so I'm just kind of doing some estimates on what contribution to to be expected. But I just wanted to see if there was anything a little bit more concrete that you could find. Yeah.\n\nOkay. That makes a little bit closer to what I was factoring in, which I think I was working back almost, like, a hundred and twenty five, hundred and thirty. Okay. New base market. You're flat sort of $100,105 something after the three year mark.\n\nCool. How cool. Pretty consistently. Nothing too crazy. It's gonna obviously bump up the like, I'll work back the actual contributions you've gotten for the projection, so that's okay.\n\nI think that's a pretty safe bet, to be honest. So I was feeling like 80 was looking a little bit low pretty consistently. And what I'll do is I'll just put all this context into some file notes for you so that if anyone else looks at your file or if Monica and I are having a review six or twelve months time, it kind of makes sense the fluctuations that are going on, and it'll give us a bit of a, I guess, a framework between this and that. Cool. Okay.\n\nYeah. I'll work off that. That kinda helps me with the contributions. I'll factor in the insurances. And you did also sign your service agreement with our financial a little while ago as well.\n\nSo I'm just gonna factor in basically everything, premiums, fees, taxes, the whole lot is gonna be in the projections. And I think that's all good for, like, another nine months or so. Awesome. I really do appreciate you taking a few minutes with me today. Do you have any questions for me?\n\nSo, Kim, is there a a good day potentially end of next week or week after that I can run through this plan with you? Next week, if possible. Sure. Is it easier for you in the morning? So That would be perfect.\n\nI can do the same. I'll drop my kids off, and we can both catch up at 10:00 on Friday the twenty seventh. And as long as you've got access to your email address, it shouldn't take more than half. Awesome, Kim. I'll send you a little bit of an invite, and I'll put all this in the plan together, and I'll catch you in the next week.\n\nThank you. Have a great day. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Kim.","start":3.84,"end":4.48,"sentiment":"neutral","sentiment_score":0.09431314468383789},{"text":"It's Tommy here from.","start":4.48,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.10266631841659546},{"text":"How you been?","start":5.7599998,"end":6.5,"sentiment":"neutral","sentiment_score":0.10197550058364868},{"text":"I'm doing fantastic.","start":8.72,"end":9.86,"sentiment":"positive","sentiment_score":0.7580587466557821},{"text":"I do appreciate you giving me a bit of time this afternoon.","start":9.92,"end":12.4,"sentiment":"positive","sentiment_score":0.7136804610490799}],"sentiment":"positive","sentiment_score":0.4893149932225545,"num_words":24,"start":3.84,"end":12.4},{"sentences":[{"text":"Thank you so much for that.","start":12.4,"end":13.755,"sentiment":"positive","sentiment_score":0.6977944771448771},{"text":"Today is a bit of a short call.","start":16.555,"end":18.635,"sentiment":"neutral","sentiment_score":0.11480715963989496},{"text":"I'm just finishing off the advice for your portfolio switch when you're super, and I did notice that there was a bit of a policy anniversary for your insurances.","start":18.635,"end":29.2,"sentiment":"neutral","sentiment_score":0.09996664369928426},{"text":"So I just wanted to give you a quick buzz just to kind of run you through what the figures look like just in case.","start":29.66,"end":35.36,"sentiment":"neutral","sentiment_score":0.09348173558712006},{"text":"Awesome.","start":37.74,"end":38.14,"sentiment":"positive","sentiment_score":0.3999161720275879}],"sentiment":"neutral","sentiment_score":0.15566980244888776,"num_words":69,"start":12.4,"end":38.14},{"sentences":[{"text":"Now just before I jump into it, just need to go through the quick security process with you.","start":38.14,"end":42.615,"sentiment":"neutral","sentiment_score":0.09687524164716403},{"text":"Do you recall your client password, Ken?","start":42.695004,"end":45.035,"sentiment":"neutral","sentiment_score":0.026649743052465574},{"text":"Perfect.","start":47.255,"end":47.735,"sentiment":"neutral","sentiment_score":0.294114351272583},{"text":"And are you okay for the call to be recorded?","start":47.735,"end":49.755,"sentiment":"neutral","sentiment_score":0.0755695290863514},{"text":"Awesome.","start":52.055,"end":52.535004,"sentiment":"positive","sentiment_score":0.3814031779766083}],"sentiment":"neutral","sentiment_score":0.09085176678726802,"num_words":37,"start":38.14,"end":52.535004},{"sentences":[{"text":"Thank you so much for that.","start":52.535004,"end":54.155003,"sentiment":"positive","sentiment_score":0.5733102957407633},{"text":"Now, Ken, there was one other thing I was gonna ask you as well, but just with the insurances, I've always factored in the premiums when I do the projections.","start":54.455,"end":63.1,"sentiment":"neutral","sentiment_score":0.06185149134447177},{"text":"So I'm gonna include all of this in the statement of advice just so you can see kind of what the figures look like.","start":63.16,"end":69.18,"sentiment":"neutral","sentiment_score":0.09588186535984278},{"text":"But your one path policy, it is stepped, and it does, like, bump up your cover every year as well slightly to kind of get you a bit of a cheaper increase.","start":71.115,"end":80.975,"sentiment":"neutral","sentiment_score":0.0828948391135782},{"text":"So I'll just quickly run you through the figures.","start":81.45,"end":83.77,"sentiment":"neutral","sentiment_score":0.13577989074918959}],"sentiment":"neutral","sentiment_score":0.11357648665140761,"num_words":101,"start":52.535004,"end":83.77},{"sentences":[{"text":"You let me know if there's any kind of issues.","start":83.77,"end":85.71,"sentiment":"neutral","sentiment_score":0.05071568340063095},{"text":"We've got 537,000 worth of life insurance and total disability.","start":86.81,"end":93.15,"sentiment":"neutral","sentiment_score":0.053236062079668044},{"text":"That's bumped up to 563,000.","start":93.61,"end":96.59,"sentiment":"neutral","sentiment_score":0.1501469984650612},{"text":"So, like, a $30 bump off of your life insurance.","start":96.725,"end":99.784996,"sentiment":"neutral","sentiment_score":0.16977142319083213},{"text":"Now the income protection has gone up slightly as well from $4.06 $9.05 to $4.08 $0.08.","start":102.244995,"end":111.465,"sentiment":"neutral","sentiment_score":0.1742783416993916}],"sentiment":"neutral","sentiment_score":0.12306706169072319,"num_words":51,"start":83.77,"end":111.465},{"sentences":[{"text":"Now I'm not too concerned about the figures there because the income protection, that's protecting an income of 82,000, but we had you at, like, an $80,000 base earning over a $100, like, in total.","start":112.159996,"end":126.42,"sentiment":"neutral","sentiment_score":0.06267908470971244},{"text":"So what that means is, like, if you claimed on it, you would still be able to get paid out that maximum amount of 4,800.","start":128.64499,"end":134.665,"sentiment":"neutral","sentiment_score":0.17485313534736632},{"text":"Yep.","start":136.965,"end":137.465,"sentiment":"neutral","sentiment_score":0.16228970885276794},{"text":"Now with, like, the life and disability insurance, it's still sitting at that kind of half 1,000,000 mark, and it's only been a year and a half.","start":137.765,"end":145.18999,"sentiment":"neutral","sentiment_score":-0.03589531241191758},{"text":"So I just wanted to quickly run it by you and say, is there any major issue that you can see in that amount or cover that you would get in the event of, like, you can never work again or you pass away.","start":145.18999,"end":157.745,"sentiment":"neutral","sentiment_score":0.0019956703551790925}],"sentiment":"neutral","sentiment_score":0.04428804634759823,"num_words":132,"start":112.159996,"end":157.745},{"sentences":[{"text":"Not necessarily.","start":166.35,"end":167.09,"sentiment":"neutral","sentiment_score":-0.17818628251552582},{"text":"I think what they put in place originally was pretty reasonable.","start":167.23,"end":170.61,"sentiment":"neutral","sentiment_score":0.12160264429720966},{"text":"You can obviously insure yourself for anything.","start":171.95,"end":173.79,"sentiment":"neutral","sentiment_score":0.20256880351475307},{"text":"Right?","start":173.79,"end":174.03,"sentiment":"neutral","sentiment_score":0.1092546135187149},{"text":"You can get off.","start":174.03,"end":178.93,"sentiment":"neutral","sentiment_score":0.08108538761734962}],"sentiment":"neutral","sentiment_score":0.11331337243318558,"num_words":25,"start":166.35,"end":178.93},{"sentences":[{"text":"You can really stack a lot of things up, and before you know it, you're sitting at a million dollars or even 2 million dollars, which you don't need to do.","start":179.075,"end":186.53499,"sentiment":"neutral","sentiment_score":0.04597017006768334},{"text":"My only actual red flag of concern is that because the the policies on the smoke is right just for the time being until that's twelve months free, the price is still getting quite high.","start":187.47499,"end":199.75,"sentiment":"neutral","sentiment_score":-0.2686959807361875},{"text":"Now all that means is it was 2,800.","start":202.45,"end":205.40999,"sentiment":"neutral","sentiment_score":-0.029294283827766776},{"text":"It's 3,300, Going up about 16 percent.","start":205.40999,"end":208.895,"sentiment":"neutral","sentiment_score":-0.009938601587366844},{"text":"It's kind of on that that 29% of your contributions threshold where I go, oh, it's getting a little bit high.","start":209.35501,"end":217.29501,"sentiment":"neutral","sentiment_score":-0.051120007410645485}],"sentiment":"neutral","sentiment_score":-0.09173263422574154,"num_words":102,"start":179.075,"end":217.29501},{"sentences":[{"text":"But if we can remove the smokers' rates in six or twelve months' time, that'll drop it almost in half.","start":217.51501,"end":224.89,"sentiment":"neutral","sentiment_score":-0.10006113909184933},{"text":"Yes.","start":227.11,"end":227.61,"sentiment":"neutral","sentiment_score":0.03267646208405495},{"text":"So once you're 12 months nicotine free, they literally chop at 50%.","start":227.90999,"end":232.48999,"sentiment":"neutral","sentiment_score":0.021730988674486678},{"text":"And then it'll go to, like, $161,800 dollars, which would be a lot more manageable.","start":234.47,"end":240.055,"sentiment":"neutral","sentiment_score":0.06695499829947948},{"text":"So I'm not too worried about it for the time being.","start":243.795,"end":246.515,"sentiment":"neutral","sentiment_score":-0.008633232760158453}],"sentiment":"neutral","sentiment_score":-0.013532458330993936,"num_words":59,"start":217.51501,"end":246.515},{"sentences":[{"text":"I'm gonna factor it into the projections.","start":246.515,"end":248.45499,"sentiment":"neutral","sentiment_score":0.016206228706453527},{"text":"But if it continued on and it became 4,000, $5,000, I would probably have to trim it down.","start":248.915,"end":255.83,"sentiment":"neutral","sentiment_score":-0.10449335972468059},{"text":"Does that make sense?","start":257.49,"end":258.55,"sentiment":"neutral","sentiment_score":0.05160796269774437},{"text":"Cool.","start":262.53,"end":263.01,"sentiment":"positive","sentiment_score":0.5731011629104614},{"text":"So you'll be getting after I do this portfolio update, Veronica's gonna look after you for the next sort of year or so and do that annual review as kind of your main go to adviser.","start":263.01,"end":273.315,"sentiment":"neutral","sentiment_score":0.25193118179837865}],"sentiment":"neutral","sentiment_score":0.12244876794460596,"num_words":66,"start":246.515,"end":273.315},{"sentences":[{"text":"And I've already discussed all of this with her as well.","start":274.255,"end":277.715,"sentiment":"neutral","sentiment_score":0.2601709690960971},{"text":"So when I put it in the plan, you'll see it all in writing.","start":277.775,"end":281.34,"sentiment":"neutral","sentiment_score":0.17070368038756506},{"text":"But in that next catch up, she'll just double check how you're going with smoking status, if there's been any increases in the price again, and if you need to change anything.","start":281.4,"end":290.69998,"sentiment":"neutral","sentiment_score":0.06540559121640399},{"text":"So cool.","start":294.685,"end":295.405,"sentiment":"positive","sentiment_score":0.6007813513278961},{"text":"So I'll factor it in.","start":295.405,"end":296.525,"sentiment":"neutral","sentiment_score":0.28168744742870333}],"sentiment":"neutral","sentiment_score":0.15554236006573774,"num_words":64,"start":274.255,"end":296.525},{"sentences":[{"text":"I'll leave it alone for the time being.","start":296.525,"end":298.205,"sentiment":"neutral","sentiment_score":0.178768714889884},{"text":"Just wanted to run it by you briefly.","start":298.205,"end":300.155,"sentiment":"neutral","sentiment_score":0.1575961336493492},{"text":"So last question I've got before I let you go is I was just trying to factor in your contributions from work and because you're doing that salary sacrifice.","start":303.34,"end":312.08002,"sentiment":"neutral","sentiment_score":0.003598175127990544},{"text":"I just wanted to quickly ask you what arrangement that you put in place with work.","start":313.98,"end":318.225,"sentiment":"neutral","sentiment_score":0.004565721144899726},{"text":"So I was trying to mess with the figures, and I was like, oh, it kinda looks like there was a note saying that it was 20% in total with what work puts in plus your extra.","start":318.225,"end":327.92502,"sentiment":"neutral","sentiment_score":-0.016829756289921904}],"sentiment":"neutral","sentiment_score":0.022914453292008946,"num_words":98,"start":296.525,"end":327.92502},{"sentences":[{"text":"You it does look percentage based.","start":328.305,"end":330.065,"sentiment":"neutral","sentiment_score":0.026626473913590114},{"text":"Does that ring a bell?","start":330.065,"end":331.26,"sentiment":"neutral","sentiment_score":0.024721254780888557},{"text":"That makes a bit more sense because I was trying to work it back, and it was going, like, a $106 a week salary sacrifice.","start":356.78,"end":364.30002,"sentiment":"neutral","sentiment_score":-0.037951415553689},{"text":"And it was 137, a 152, a 191, and it was just kind of up and down.","start":364.30002,"end":370.96002,"sentiment":"neutral","sentiment_score":-0.0697255216210204},{"text":"Yep.","start":371.88498,"end":372.38498,"sentiment":"neutral","sentiment_score":0.027300894260406498}],"sentiment":"neutral","sentiment_score":-0.033767652680614484,"num_words":54,"start":328.305,"end":372.38498},{"sentences":[{"text":"And then your work contributions for the first half of last year was, like, flat.","start":373.725,"end":378.865,"sentiment":"neutral","sentiment_score":-0.12368035068114598},{"text":"It was $2.38 nonstop.","start":378.925,"end":380.705,"sentiment":"neutral","sentiment_score":-0.11343487165868282},{"text":"And then all of a sudden, we've hit recently, and it's, like, $4.30, $3.43.","start":381.16498,"end":385.99002,"sentiment":"neutral","sentiment_score":-0.14259318501821586},{"text":"And it's just been, like, the last four or five months that it's been kind of up and down.","start":385.99002,"end":391.21002,"sentiment":"neutral","sentiment_score":-0.18485862251959348},{"text":"Yep.","start":395.27002,"end":395.75,"sentiment":"neutral","sentiment_score":0.024634741246700287}],"sentiment":"neutral","sentiment_score":-0.14703638535344377,"num_words":53,"start":373.725,"end":395.75},{"sentences":[{"text":"That makes a lot of sense.","start":395.75,"end":397.21002,"sentiment":"neutral","sentiment_score":0.014067481582363447},{"text":"Oh, jeez.","start":404.035,"end":404.775,"sentiment":"neutral","sentiment_score":0.0010598382505122572},{"text":"Oh, awesome.","start":412.97998,"end":413.53998,"sentiment":"positive","sentiment_score":0.3946205973625183},{"text":"So is your base income still around the 80,000 month?","start":413.53998,"end":417.47998,"sentiment":"neutral","sentiment_score":0.1577934816479683},{"text":"Yeah.","start":444.1,"end":444.34,"sentiment":"neutral","sentiment_score":0.022314298897981644}],"sentiment":"neutral","sentiment_score":0.1179054702903765,"num_words":21,"start":395.75,"end":444.34},{"sentences":[{"text":"That'd be helpful.","start":444.34,"end":445.32,"sentiment":"neutral","sentiment_score":0.056228785465161},{"text":"So I'm definitely gonna do just a couple of estimates because, obviously, we know your base.","start":449.95502,"end":454.77502,"sentiment":"neutral","sentiment_score":0.04866012837737799},{"text":"You're gonna be over a $100 in total, so I'm just kind of doing some estimates on what contribution to to be expected.","start":455.155,"end":461.33502,"sentiment":"neutral","sentiment_score":0.040258073126492294},{"text":"But I just wanted to see if there was anything a little bit more concrete that you could find.","start":461.81,"end":465.59,"sentiment":"neutral","sentiment_score":0.03757811651418084},{"text":"Yeah.","start":483.26498,"end":483.665,"sentiment":"neutral","sentiment_score":0.0611778199672699}],"sentiment":"neutral","sentiment_score":0.04271526009805741,"num_words":62,"start":444.34,"end":483.665},{"sentences":[{"text":"Okay.","start":483.665,"end":483.905,"sentiment":"neutral","sentiment_score":0.05940452963113785},{"text":"That makes a little bit closer to what I was factoring in, which I think I was working back almost, like, a hundred and twenty five, hundred and thirty.","start":483.905,"end":492.19998,"sentiment":"neutral","sentiment_score":0.052759702863364386},{"text":"Okay.","start":521.27,"end":521.75,"sentiment":"neutral","sentiment_score":0.0019576651975512505},{"text":"New base market.","start":521.75,"end":522.63,"sentiment":"neutral","sentiment_score":-0.015433957489828268},{"text":"You're flat sort of $100,105 something after the three year mark.","start":522.63,"end":527.705,"sentiment":"neutral","sentiment_score":0.004991067446429621}],"sentiment":"neutral","sentiment_score":0.03555540994016661,"num_words":45,"start":483.665,"end":527.705},{"sentences":[{"text":"Cool.","start":529.60504,"end":530.10504,"sentiment":"neutral","sentiment_score":0.2818915843963623},{"text":"How cool.","start":540.58997,"end":541.41,"sentiment":"positive","sentiment_score":0.7031178176403046},{"text":"Pretty consistently.","start":548.27,"end":549.17,"sentiment":"positive","sentiment_score":0.5026217401027679},{"text":"Nothing too crazy.","start":569.66003,"end":570.86,"sentiment":"neutral","sentiment_score":-0.005096717427174251},{"text":"It's gonna obviously bump up the like, I'll work back the actual contributions you've gotten for the projection, so that's okay.","start":570.86,"end":577.76,"sentiment":"neutral","sentiment_score":0.13517126689354578}],"sentiment":"neutral","sentiment_score":0.19023024663329124,"num_words":29,"start":529.60504,"end":577.76},{"sentences":[{"text":"I think that's a pretty safe bet, to be honest.","start":578.965,"end":580.965,"sentiment":"neutral","sentiment_score":0.20317398756742477},{"text":"So I was feeling like 80 was looking a little bit low pretty consistently.","start":580.965,"end":585.065,"sentiment":"neutral","sentiment_score":-0.13340691410537278},{"text":"And what I'll do is I'll just put all this context into some file notes for you so that if anyone else looks at your file or if Monica and I are having a review six or twelve months time, it kind of makes sense the fluctuations that are going on, and it'll give us a bit of a, I guess, a framework between this and that.","start":587.205,"end":604.34,"sentiment":"neutral","sentiment_score":0.0638275518735398},{"text":"Cool.","start":607.935,"end":608.255,"sentiment":"positive","sentiment_score":0.4270671308040619},{"text":"Okay.","start":608.255,"end":608.755,"sentiment":"neutral","sentiment_score":0.23834972083568573}],"sentiment":"neutral","sentiment_score":0.05490221403619294,"num_words":93,"start":578.965,"end":608.755},{"sentences":[{"text":"Yeah.","start":609.375,"end":609.77496,"sentiment":"neutral","sentiment_score":0.24438446760177612},{"text":"I'll work off that.","start":609.77496,"end":610.735,"sentiment":"neutral","sentiment_score":0.26302843913435936},{"text":"That kinda helps me with the contributions.","start":610.735,"end":612.595,"sentiment":"positive","sentiment_score":0.3509850970336369},{"text":"I'll factor in the insurances.","start":612.975,"end":614.51495,"sentiment":"neutral","sentiment_score":0.21303958296775818},{"text":"And you did also sign your service agreement with our financial a little while ago as well.","start":615.45496,"end":621.65,"sentiment":"neutral","sentiment_score":0.18011931549100316}],"sentiment":"neutral","sentiment_score":0.2317829465164858,"num_words":34,"start":609.375,"end":621.65},{"sentences":[{"text":"So I'm just gonna factor in basically everything, premiums, fees, taxes, the whole lot is gonna be in the projections.","start":621.95,"end":629.25,"sentiment":"neutral","sentiment_score":0.14525142535567284},{"text":"And I think that's all good for, like, another nine months or so.","start":630.73505,"end":634.35504,"sentiment":"neutral","sentiment_score":0.2555200755596161},{"text":"Awesome.","start":637.775,"end":638.275,"sentiment":"positive","sentiment_score":0.6783568859100342},{"text":"I really do appreciate you taking a few minutes with me today.","start":638.335,"end":640.895,"sentiment":"positive","sentiment_score":0.643895298242569},{"text":"Do you have any questions for me?","start":640.895,"end":642.59503,"sentiment":"neutral","sentiment_score":0.23014701902866364}],"sentiment":"neutral","sentiment_score":0.30647017146056554,"num_words":53,"start":621.95,"end":642.59503},{"sentences":[{"text":"So, Kim, is there a a good day potentially end of next week or week after that I can run through this plan with you?","start":646.15,"end":653.45,"sentiment":"neutral","sentiment_score":0.10047568500041962},{"text":"Next week, if possible.","start":668.075,"end":669.375,"sentiment":"neutral","sentiment_score":0.032128239050507545},{"text":"Sure.","start":680.62,"end":681.12,"sentiment":"neutral","sentiment_score":0.09704165160655975},{"text":"Is it easier for you in the morning?","start":684.475,"end":686.235,"sentiment":"neutral","sentiment_score":0.10239062923938036},{"text":"So That would be perfect.","start":686.235,"end":697.05,"sentiment":"neutral","sentiment_score":0.22929855138063432}],"sentiment":"neutral","sentiment_score":0.10937359357296034,"num_words":43,"start":646.15,"end":697.05},{"sentences":[{"text":"I can do the same.","start":697.05,"end":698.41,"sentiment":"neutral","sentiment_score":0.1810605227947235},{"text":"I'll drop my kids off, and we can both catch up at 10:00 on Friday the twenty seventh.","start":698.41,"end":704.02997,"sentiment":"neutral","sentiment_score":0.14822778643833268},{"text":"And as long as you've got access to your email address, it shouldn't take more than half.","start":704.33,"end":708.43,"sentiment":"neutral","sentiment_score":0.15485231271561453},{"text":"Awesome, Kim.","start":712.175,"end":712.89496,"sentiment":"positive","sentiment_score":0.8819914758205414},{"text":"I'll send you a little bit of an invite, and I'll put all this in the plan together, and I'll catch you in the next week.","start":712.89496,"end":718.435,"sentiment":"positive","sentiment_score":0.6652246369765356}],"sentiment":"positive","sentiment_score":0.3715546411626479,"num_words":68,"start":697.05,"end":718.435},{"sentences":[{"text":"Thank you.","start":721.0569,"end":721.53687,"sentiment":"positive","sentiment_score":0.8365387618541718},{"text":"Have a great day.","start":721.53687,"end":722.5169,"sentiment":"positive","sentiment_score":0.7877853661775589},{"text":"Bye.","start":724.65686,"end":725.15686,"sentiment":"neutral","sentiment_score":-0.09264668077230452}],"sentiment":"positive","sentiment_score":0.6759389010923249,"num_words":7,"start":721.0569,"end":725.15686}]}}]},{"alternatives":[{"transcript":"Hello? Kim speaking. Yeah. Good. Thanks. How are you? No. That's alright. Don't worry. Yep. Okay. Yeah. Okay. Yeah. Yep. Yep. Paris. Yep. Yep. Yep. Yep. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Okay. Yep. Yep. Yeah. I don't know. Is is it do you think it's not enough? Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Oh, really? Yeah. Right. Okay. Yeah. Yeah. Right. Okay. Yeah. Yeah. Yeah. Definitely. Yeah. Alright. Yeah. Yeah. Yeah. Yeah. Alright. Yeah. Yep. Yep. Yeah. I'm happy with that. Yep. Yep. Okay. Cool. Yep. Yep. Yep. Okay. Perfect. Yep. Yep. Awesome. Yep. Yeah. Okay. No. Thank you. Yeah. Yeah. Yeah. Yeah. I think it is. Yeah. I think it is 20%, like because I thought it was $20 a week, but when I sent when I was talking to someone, they're like, no. It changes. So it's probably more like a percentage. And I said, yeah. Well, if it is changing, then it will be, like, probably more like 20% of my income then. Or Yeah. Because it fluctuated. Yeah. Yeah. Yeah. Yeah. Yeah. Because I've been on overtime. For the last, yeah, for the last three months, I've been doing twelve hour shifts, night shifts. So because it's the wet season. So yeah. But that will that will go back down to normal, hopefully, very soon. Yeah. No. Because I can't I can't really factor in my overtime because it's not guaranteed. Like, it is purely based on, like, like, wet season. I just wanna see what I just wanna see if I got a paid sleep work and see what my what I've already had for this year. It might give you a better idea. Where is it? One of the information. Yeah. So for this year already, my gross is already $1.00 9. Yeah. Yeah. Like, the look. I have cleared that in the last like, I've I think it's been, like, a 100 and I'd say a 125 the last two years. That's just with, like it's the overtime that actually bumps me up. But, hopefully, with our new b new e EBA coming in, like, my actual base will hit me over a 100 after the three years. Yeah. Yep. But that's still, like, that's still gotta be voted on, but, hopefully, they hurry up, like because it was yeah. We're gonna get back paid back until May. So I would say, like, I would I definitely am hitting a 100 a year. Like, even, yeah, even without the wet season because I I'm pretty certain I have hit that 100 a year consecutively for the last three years. So you could probably make it a 100. I don't know what that would do to anything else, but we'll look. Yep. Yep. Yeah. Yeah. Yep. Okay. Sweet. Yep. Yep. Yeah. Okay. Okay. Perfect. Yep. Yep. Excellent. No. No. That's fine. Thank you. Yeah. I'll just check my calendar. What's next week? Two months, please. So the end of this week or next week, you reckon? Yep. Next week or start Friday. Yeah. Well, this twenty seventh is my audio, so, pretty much, yeah, like, anytime. Yeah. Probably after day care drop off would be the best. Like, so maybe, like, anytime after 10:00? Yep. Perfect. Yep. Yep. Awesome. No worries. Will do. Perfect. Thank you so much. You too. See you. 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Kim speaking. Yeah. Good. Thanks.\n\nHow are you? No. That's alright. Don't worry. Yep.\n\nOkay. Yeah. Okay. Yeah. Yep.\n\nYep. Paris. Yep. Yep. Yep.\n\nYep. Yep. Mhmm. Mhmm. Yep.\n\nYep. Yep. Okay. Yep. Yep.\n\nYeah. I don't know. Is is it do you think it's not enough? Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nYeah. Yeah. Yeah. Oh, really? Yeah.\n\nRight. Okay. Yeah. Yeah. Right.\n\nOkay. Yeah. Yeah. Yeah. Definitely.\n\nYeah. Alright. Yeah. Yeah. Yeah.\n\nYeah. Alright. Yeah. Yep. Yep.\n\nYeah. I'm happy with that. Yep. Yep. Okay.\n\nCool. Yep. Yep. Yep. Okay.\n\nPerfect. Yep. Yep. Awesome. Yep.\n\nYeah. Okay. No. Thank you. Yeah.\n\nYeah. Yeah. Yeah. I think it is. Yeah.\n\nI think it is 20%, like because I thought it was $20 a week, but when I sent when I was talking to someone, they're like, no. It changes. So it's probably more like a percentage. And I said, yeah. Well, if it is changing, then it will be, like, probably more like 20% of my income then.\n\nOr Yeah. Because it fluctuated. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Because I've been on overtime. For the last, yeah, for the last three months, I've been doing twelve hour shifts, night shifts. So because it's the wet season.\n\nSo yeah. But that will that will go back down to normal, hopefully, very soon. Yeah. No. Because I can't I can't really factor in my overtime because it's not guaranteed.\n\nLike, it is purely based on, like, like, wet season. I just wanna see what I just wanna see if I got a paid sleep work and see what my what I've already had for this year. It might give you a better idea. Where is it? One of the information.\n\nYeah. So for this year already, my gross is already $1.00 9. Yeah. Yeah. Like, the look.\n\nI have cleared that in the last like, I've I think it's been, like, a 100 and I'd say a 125 the last two years. That's just with, like it's the overtime that actually bumps me up. But, hopefully, with our new b new e EBA coming in, like, my actual base will hit me over a 100 after the three years. Yeah. Yep.\n\nBut that's still, like, that's still gotta be voted on, but, hopefully, they hurry up, like because it was yeah. We're gonna get back paid back until May. So I would say, like, I would I definitely am hitting a 100 a year. Like, even, yeah, even without the wet season because I I'm pretty certain I have hit that 100 a year consecutively for the last three years. So you could probably make it a 100.\n\nI don't know what that would do to anything else, but we'll look. Yep. Yep. Yeah. Yeah.\n\nYep. Okay. Sweet. Yep. Yep.\n\nYeah. Okay. Okay. Perfect. Yep.\n\nYep. Excellent. No. No. That's fine.\n\nThank you. Yeah. I'll just check my calendar. What's next week? Two months, please.\n\nSo the end of this week or next week, you reckon? Yep. Next week or start Friday. Yeah. Well, this twenty seventh is my audio, so, pretty much, yeah, like, anytime.\n\nYeah. Probably after day care drop off would be the best. Like, so maybe, like, anytime after 10:00? Yep. Perfect.\n\nYep. Yep. Awesome. No worries. Will do.\n\nPerfect. Thank you so much. You too. See you. 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20%, like because I thought it was $20 a week, but when I sent when I was talking to someone, they're like, no.","start":333.75,"end":343.91,"sentiment":"neutral","sentiment_score":-0.06966605665231193},{"text":"It changes.","start":343.91,"end":344.79,"sentiment":"neutral","sentiment_score":-0.20758656412363052},{"text":"So it's probably more like a percentage.","start":344.79,"end":347.57498,"sentiment":"neutral","sentiment_score":-0.08547181103910718},{"text":"And I said, yeah.","start":347.57498,"end":348.29498,"sentiment":"neutral","sentiment_score":-0.02344327699393034},{"text":"Well, if it is changing, then it will be, like, probably more like 20% of my income then.","start":348.29498,"end":356.07498,"sentiment":"neutral","sentiment_score":-0.014945676239828268}],"sentiment":"neutral","sentiment_score":-0.05615956233493213,"num_words":58,"start":333.75,"end":356.07498},{"sentences":[{"text":"Or Yeah.","start":356.775,"end":368.84003,"sentiment":"neutral","sentiment_score":-0.01470944657921791},{"text":"Because it fluctuated.","start":368.84003,"end":369.90002,"sentiment":"neutral","sentiment_score":-0.14341252545515695},{"text":"Yeah.","start":370.52002,"end":371.02002,"sentiment":"neutral","sentiment_score":-0.02721410430967808},{"text":"Yeah.","start":371.32,"end":371.82,"sentiment":"neutral","sentiment_score":-0.012705664150416853},{"text":"Yeah.","start":371.88,"end":372.38,"sentiment":"neutral","sentiment_score":0.004708785563707352}],"sentiment":"neutral","sentiment_score":-0.061858431552536786,"num_words":8,"start":356.775,"end":372.38},{"sentences":[{"text":"Yeah.","start":381.55502,"end":382.05502,"sentiment":"neutral","sentiment_score":-0.09590578079223631},{"text":"Yeah.","start":391.86,"end":392.09998,"sentiment":"neutral","sentiment_score":-0.035958558320999146},{"text":"Because I've been on overtime.","start":392.09998,"end":394.03998,"sentiment":"neutral","sentiment_score":-0.07088668197393418},{"text":"For the last, yeah, for the last three months, I've been doing twelve hour shifts, night shifts.","start":395.78,"end":403.155,"sentiment":"neutral","sentiment_score":-0.0038225350024945594},{"text":"So because it's the wet season.","start":403.155,"end":406.535,"sentiment":"neutral","sentiment_score":-0.05480328264335791}],"sentiment":"neutral","sentiment_score":-0.02933668466284871,"num_words":30,"start":381.55502,"end":406.535},{"sentences":[{"text":"So yeah.","start":406.675,"end":407.955,"sentiment":"neutral","sentiment_score":-0.04492424800992012},{"text":"But that will that will go back down to normal, hopefully, very soon.","start":407.955,"end":412.135,"sentiment":"neutral","sentiment_score":-0.01691016382895983},{"text":"Yeah.","start":420.18,"end":420.68,"sentiment":"neutral","sentiment_score":0.021015437319874763},{"text":"No.","start":420.97998,"end":421.47998,"sentiment":"neutral","sentiment_score":-0.09978024661540984},{"text":"Because I can't I can't really factor in my overtime because it's not guaranteed.","start":422.25998,"end":426.6,"sentiment":"neutral","sentiment_score":-0.13729646216545785}],"sentiment":"neutral","sentiment_score":-0.07453535178736333,"num_words":31,"start":406.675,"end":426.6},{"sentences":[{"text":"Like, it is purely based on, like, like, wet season.","start":426.97998,"end":434.045,"sentiment":"neutral","sentiment_score":-0.06924127973616123},{"text":"I just wanna see what I just wanna see if I got a paid sleep work and see what my what I've already had for this year.","start":434.42502,"end":442.92502,"sentiment":"neutral","sentiment_score":0.04003740640150176},{"text":"It might give you a better idea.","start":443.75,"end":446.97,"sentiment":"neutral","sentiment_score":0.01779552735388279},{"text":"Where is it?","start":447.03,"end":447.93,"sentiment":"neutral","sentiment_score":-0.0093758013099432},{"text":"One of the information.","start":449.35,"end":450.66,"sentiment":"neutral","sentiment_score":0.00623746239580214}],"sentiment":"neutral","sentiment_score":0.00999977083548027,"num_words":51,"start":426.97998,"end":450.66},{"sentences":[{"text":"Yeah.","start":462.255,"end":462.755,"sentiment":"neutral","sentiment_score":0.02901267632842064},{"text":"So for this year already, my gross is already $1.00 9.","start":475.69,"end":481.23,"sentiment":"neutral","sentiment_score":0.05925260551951148},{"text":"Yeah.","start":487.29,"end":487.79,"sentiment":"neutral","sentiment_score":0.045435093343257904},{"text":"Yeah.","start":493.035,"end":493.535,"sentiment":"neutral","sentiment_score":0.04869748651981354},{"text":"Like, the look.","start":493.755,"end":494.875,"sentiment":"neutral","sentiment_score":0.03329072892665863}],"sentiment":"neutral","sentiment_score":0.05145859433447614,"num_words":17,"start":462.255,"end":494.875},{"sentences":[{"text":"I have cleared that in the last like, I've I think it's been, like, a 100 and I'd say a 125 the last two years.","start":494.875,"end":504.255,"sentiment":"neutral","sentiment_score":0.03698819607496261},{"text":"That's just with, like it's the overtime that actually bumps me up.","start":505.56,"end":510.12,"sentiment":"neutral","sentiment_score":0.01801695014970998},{"text":"But, hopefully, with our new b new e EBA coming in, like, my actual base will hit me over a 100 after the three years.","start":510.12,"end":519.01996,"sentiment":"neutral","sentiment_score":0.05577640675008297},{"text":"Yeah.","start":525.805,"end":526.305,"sentiment":"neutral","sentiment_score":0.017951855435967445},{"text":"Yep.","start":526.365,"end":526.865,"sentiment":"neutral","sentiment_score":0.04560494422912598}],"sentiment":"neutral","sentiment_score":0.04060742612637114,"num_words":64,"start":494.875,"end":526.865},{"sentences":[{"text":"But that's still, like, that's still gotta be voted on, but, hopefully, they hurry up, like because it was yeah.","start":529.08496,"end":537.07996,"sentiment":"neutral","sentiment_score":0.15718350037932396},{"text":"We're gonna get back paid back until May.","start":537.13995,"end":539.63995,"sentiment":"neutral","sentiment_score":0.1287507824599743},{"text":"So I would say, like, I would I definitely am hitting a 100 a year.","start":539.77997,"end":546.75995,"sentiment":"positive","sentiment_score":0.592752742767334},{"text":"Like, even, yeah, even without the wet season because I I'm pretty certain I have hit that 100 a year consecutively for the last three years.","start":546.89996,"end":561.245,"sentiment":"neutral","sentiment_score":0.31116452956428897},{"text":"So you could probably make it a 100.","start":561.245,"end":563.93,"sentiment":"positive","sentiment_score":0.37134192138910294}],"sentiment":"neutral","sentiment_score":0.31332442270857946,"num_words":77,"start":529.08496,"end":563.93},{"sentences":[{"text":"I don't know what that would do to anything else, but we'll look.","start":563.93,"end":567.55,"sentiment":"neutral","sentiment_score":-0.039957488098969825},{"text":"Yep.","start":576.49,"end":576.885,"sentiment":"neutral","sentiment_score":0.17772433161735535},{"text":"Yep.","start":578.16504,"end":578.66504,"sentiment":"neutral","sentiment_score":0.18550562858581543},{"text":"Yeah.","start":583.925,"end":584.425,"sentiment":"neutral","sentiment_score":-0.039530955255031586},{"text":"Yeah.","start":584.565,"end":585.065,"sentiment":"neutral","sentiment_score":-0.02135957777500153}],"sentiment":"neutral","sentiment_score":-0.01277105400667471,"num_words":17,"start":563.93,"end":585.065},{"sentences":[{"text":"Yep.","start":604.81,"end":605.29004,"sentiment":"neutral","sentiment_score":0.12530381977558136},{"text":"Okay.","start":605.29004,"end":605.77,"sentiment":"neutral","sentiment_score":0.21255552768707275},{"text":"Sweet.","start":605.77,"end":606.27,"sentiment":"positive","sentiment_score":0.3355686664581299},{"text":"Yep.","start":606.33,"end":606.83,"sentiment":"neutral","sentiment_score":0.3206205368041992},{"text":"Yep.","start":621.94,"end":622.44,"sentiment":"neutral","sentiment_score":0.15906323492527008}],"sentiment":"neutral","sentiment_score":0.23062235713005066,"num_words":5,"start":604.81,"end":622.44},{"sentences":[{"text":"Yeah.","start":629.86,"end":630.26,"sentiment":"neutral","sentiment_score":0.14766523241996765},{"text":"Okay.","start":630.26,"end":630.76,"sentiment":"neutral","sentiment_score":0.18017145991325376},{"text":"Okay.","start":634.82,"end":635.22,"sentiment":"neutral","sentiment_score":0.22572477161884308},{"text":"Perfect.","start":635.22,"end":635.72,"sentiment":"positive","sentiment_score":0.3881292939186096},{"text":"Yep.","start":635.86,"end":636.26,"sentiment":"neutral","sentiment_score":0.23369652032852173}],"sentiment":"neutral","sentiment_score":0.23507745563983917,"num_words":5,"start":629.86,"end":636.26},{"sentences":[{"text":"Yep.","start":636.26,"end":636.76,"sentiment":"neutral","sentiment_score":0.30030250549316406},{"text":"Excellent.","start":637.095,"end":637.595,"sentiment":"positive","sentiment_score":0.6131806373596191},{"text":"No.","start":643.175,"end":643.495,"sentiment":"neutral","sentiment_score":0.01694333739578724},{"text":"No.","start":643.495,"end":643.735,"sentiment":"neutral","sentiment_score":0.050342150032520294},{"text":"That's fine.","start":643.735,"end":644.45496,"sentiment":"neutral","sentiment_score":0.19881830364465714}],"sentiment":"neutral","sentiment_score":0.22973420626173416,"num_words":6,"start":636.26,"end":644.45496},{"sentences":[{"text":"Thank you.","start":644.45496,"end":645.19495,"sentiment":"positive","sentiment_score":0.3913578987121582},{"text":"Yeah.","start":653.86,"end":654.36,"sentiment":"neutral","sentiment_score":0.04309835284948349},{"text":"I'll just check my calendar.","start":654.66003,"end":656.12,"sentiment":"neutral","sentiment_score":0.04371080696582794},{"text":"What's next week?","start":656.42004,"end":657.64,"sentiment":"neutral","sentiment_score":0.01602967952688535},{"text":"Two months, please.","start":659.54004,"end":660.92004,"sentiment":"neutral","sentiment_score":0.016059632723530132}],"sentiment":"neutral","sentiment_score":0.08147400870387043,"num_words":14,"start":644.45496,"end":660.92004},{"sentences":[{"text":"So the end of this week or next week, you reckon?","start":663.585,"end":666.325,"sentiment":"neutral","sentiment_score":0.024126340889117935},{"text":"Yep.","start":670.225,"end":670.545,"sentiment":"neutral","sentiment_score":0.06480412185192108},{"text":"Next week or start Friday.","start":670.545,"end":672.325,"sentiment":"neutral","sentiment_score":0.04423295445740223},{"text":"Yeah.","start":672.465,"end":672.785,"sentiment":"neutral","sentiment_score":0.0750257670879364},{"text":"Well, this twenty seventh is my audio, so, pretty much, yeah, like, anytime.","start":672.785,"end":683.23004,"sentiment":"neutral","sentiment_score":0.08308483430972466}],"sentiment":"neutral","sentiment_score":0.0550479760333415,"num_words":31,"start":663.585,"end":683.23004},{"sentences":[{"text":"Yeah.","start":687.45,"end":687.85004,"sentiment":"neutral","sentiment_score":0.07190968096256256},{"text":"Probably after day care drop off would be the best.","start":687.85004,"end":690.65,"sentiment":"neutral","sentiment_score":0.08160435259342194},{"text":"Like, so maybe, like, anytime after 10:00?","start":690.65,"end":694.21497,"sentiment":"neutral","sentiment_score":0.07969726409230914},{"text":"Yep.","start":698.995,"end":699.495,"sentiment":"neutral","sentiment_score":0.13517974317073822},{"text":"Perfect.","start":701.95496,"end":702.45496,"sentiment":"neutral","sentiment_score":0.2819923758506775}],"sentiment":"neutral","sentiment_score":0.09315030872821808,"num_words":20,"start":687.45,"end":702.45496},{"sentences":[{"text":"Yep.","start":704.63,"end":705.13,"sentiment":"neutral","sentiment_score":0.1326686143875122},{"text":"Yep.","start":709.02997,"end":709.43,"sentiment":"neutral","sentiment_score":0.18800243735313416},{"text":"Awesome.","start":709.43,"end":709.93,"sentiment":"positive","sentiment_score":0.3793331980705261},{"text":"No worries.","start":709.99,"end":710.63,"sentiment":"neutral","sentiment_score":0.2523929625749588},{"text":"Will do.","start":710.63,"end":711.37,"sentiment":"neutral","sentiment_score":0.21028484404087067}],"sentiment":"neutral","sentiment_score":0.23219426614897593,"num_words":7,"start":704.63,"end":711.37},{"sentences":[{"text":"Perfect.","start":718.79694,"end":719.1969,"sentiment":"positive","sentiment_score":0.8675351738929749},{"text":"Thank you so much.","start":719.1969,"end":720.41693,"sentiment":"positive","sentiment_score":0.8921766728162766},{"text":"You too.","start":722.55695,"end":723.1969,"sentiment":"positive","sentiment_score":0.5751120448112488},{"text":"See you.","start":723.1969,"end":723.43695,"sentiment":"positive","sentiment_score":0.518568605184555},{"text":"Bye.","start":723.43695,"end":723.93695,"sentiment":"neutral","sentiment_score":0.22588536143302915}],"sentiment":"positive","sentiment_score":0.6849488526582718,"num_words":10,"start":718.79694,"end":723.93695}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Kim speaking.\n\nChannel 0: Hi, Kim. It's Tommy here from. How you been?\n\nChannel 1: Yeah. Good. Thanks. How are you?\n\nChannel 0: I'm doing fantastic. I do appreciate you giving me a bit of time this afternoon. Thank you so much for that.\n\nChannel 1: No. That's alright. Don't worry.\n\nChannel 0: Today is a bit of a short call. I'm just finishing off the advice for your portfolio switch when you're super, and\n\nChannel 1: Yep.\n\nChannel 0: I did notice that there was a bit of a policy anniversary for your insurances. So I just wanted\n\nChannel 1: Okay.\n\nChannel 0: to give you a quick buzz just to kind of run you through what the figures look like just in case.\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: Awesome. Now just before I jump into it, just need to go through the quick security process with you. Do you recall your client password, Ken?\n\nChannel 1: Yep. Yep. Paris.\n\nChannel 0: Perfect. And are you okay for the call to be recorded?\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Thank you so much for that. Now, Ken, there was one other thing I was gonna ask you as well, but just with the insurances, I've always factored in the premiums when I do the projections. So I'm gonna\n\nChannel 1: Yep.\n\nChannel 0: include all of this in the statement of advice just so you can see kind of what the figures look like.\n\nChannel 1: Yep.\n\nChannel 0: But your one path policy, it is stepped, and it does, like, bump up your cover every year as well slightly to kind of get you a bit of a cheaper increase. So I'll just quickly run you through the figures. You let me know if there's any kind of issues.\n\nChannel 1: Yep.\n\nChannel 0: We've got 537,000 worth of life insurance and total disability. That's bumped up to 563,000. So, like, a $30 bump off of your life insurance.\n\nChannel 1: Yep.\n\nChannel 0: Now the income protection has gone up slightly as well from $4.06 $9.05 to $4.08\n\nChannel 1: Mhmm.\n\nChannel 0: $0.08. Now\n\nChannel 1: Mhmm.\n\nChannel 0: I'm not too concerned about the figures there because the income protection, that's protecting an income of 82,000, but we had you at, like, an $80,000 base earning over a $100, like,\n\nChannel 1: Yep.\n\nChannel 0: in\n\nChannel 1: Yep.\n\nChannel 0: total.\n\nChannel 1: Yep.\n\nChannel 0: So what that means is, like, if you claimed on it, you would still be able to get paid out that maximum amount of 4,800.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Yep. Now with, like, the life and disability insurance, it's still sitting at that kind of half 1,000,000 mark, and it's only been a year and a half. So I just wanted to quickly run it by you and say, is there any major issue that you can see in that amount or cover that you would get in the event of, like, you can never work again or you pass away.\n\nChannel 1: Yeah. I don't know. Is is it do you think it's not enough?\n\nChannel 0: Not necessarily. I think what they put in place originally was pretty reasonable. You can obviously insure yourself\n\nChannel 1: Yep.\n\nChannel 0: for anything. Right? You can get off. You can really stack a lot of things up, and before you know it, you're sitting at a million dollars or even 2\n\nChannel 1: Yeah.\n\nChannel 0: million dollars, which you\n\nChannel 1: Yeah.\n\nChannel 0: don't need to do.\n\nChannel 1: Yeah.\n\nChannel 0: My only actual red flag of concern is that because the the policies on the smoke is right just for the time being until that's twelve months free,\n\nChannel 1: Yeah.\n\nChannel 0: the price is still getting quite high.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Now all that means is it was 2,800. It's 3,300, Going up about 16\n\nChannel 1: Yeah.\n\nChannel 0: percent. It's kind\n\nChannel 1: Yeah.\n\nChannel 0: of on that that 29% of your contributions threshold where I go, oh, it's getting a little bit\n\nChannel 1: Yeah.\n\nChannel 0: high. But if we can remove the smokers' rates in six or twelve months' time, that'll drop it almost in half.\n\nChannel 1: Oh, really?\n\nChannel 0: Yes. So\n\nChannel 1: Yeah.\n\nChannel 0: once\n\nChannel 1: Right.\n\nChannel 0: you're 12\n\nChannel 1: Okay.\n\nChannel 0: months nicotine\n\nChannel 1: Yeah.\n\nChannel 0: free, they literally chop at 50%.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: then it'll go to, like, $161,800 dollars, which would be a lot more manageable.\n\nChannel 1: Yeah. Yeah. Definitely. Yeah. Alright.\n\nChannel 0: So I'm\n\nChannel 1: Yeah.\n\nChannel 0: not too worried about it for the time being. I'm gonna factor it into the projections. But if it continued on and it became 4,000, $5,000, I would probably have to trim it down.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Does that make\n\nChannel 1: Alright.\n\nChannel 0: sense?\n\nChannel 1: Yeah. Yep. Yep. Yeah. I'm happy with that.\n\nYep.\n\nChannel 0: Cool. So you'll be getting after I do this portfolio update, Veronica's gonna look after you for the next sort of year or so and do that annual review as\n\nChannel 1: Yep.\n\nChannel 0: kind of your main go to adviser.\n\nChannel 1: Okay. Cool.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: I've already discussed all of this with her as well. So when I put it in the plan, you'll see it all in writing. But in that next catch up, she'll just double check how you're going with smoking status, if there's been any increases in the\n\nChannel 1: Yep.\n\nChannel 0: price again, and if you need\n\nChannel 1: Yep.\n\nChannel 0: to change anything.\n\nChannel 1: Okay. Perfect. Yep. Yep.\n\nChannel 0: So cool.\n\nChannel 1: Awesome.\n\nChannel 0: So I'll factor\n\nChannel 1: Yep.\n\nChannel 0: it in. I'll leave it alone for the time being. Just wanted to run it by you briefly.\n\nChannel 1: Yeah. Okay. No. Thank you.\n\nChannel 0: So last question I've got before I let you go is I was just trying to factor in your contributions from work and because you're doing\n\nChannel 1: Yeah.\n\nChannel 0: that salary sacrifice.\n\nChannel 1: Yeah.\n\nChannel 0: I just wanted to quickly ask you what arrangement that you put in place with work. So I was trying to mess with the figures, and I was like, oh, it kinda looks like there was a note saying that it was 20% in total with what work puts in plus your extra. You it does\n\nChannel 1: Yeah.\n\nChannel 0: look percentage based. Does that ring a bell?\n\nChannel 1: Yeah. I think it is. Yeah. I think it is 20%, like because I thought it was $20 a week, but when I sent when I was talking to someone, they're like, no. It changes.\n\nSo it's probably more like a percentage. And I said, yeah. Well, if it is changing, then it will be, like, probably more like 20% of my income then. Or\n\nChannel 0: That makes a bit more sense because I was trying to work it back, and it was going, like, a $106 a week salary sacrifice. And it was 137, a 152, a 191,\n\nChannel 1: Yeah.\n\nChannel 0: and it was\n\nChannel 1: Because\n\nChannel 0: just\n\nChannel 1: it\n\nChannel 0: kind\n\nChannel 1: fluctuated.\n\nChannel 0: of up and down.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. And then your work contributions for the first half of last year was, like, flat. It was $2.38 nonstop. And then\n\nChannel 1: Yeah.\n\nChannel 0: all of a sudden, we've hit recently, and it's, like, $4.30, $3.43. And it's just been, like, the last four or five months that it's been kind of up and down.\n\nChannel 1: Yeah. Because I've been on overtime.\n\nChannel 0: Yep. That\n\nChannel 1: For the\n\nChannel 0: makes\n\nChannel 1: last,\n\nChannel 0: a lot of sense.\n\nChannel 1: yeah, for the last three months, I've been doing twelve hour shifts, night shifts. So\n\nChannel 0: Oh, jeez.\n\nChannel 1: because it's the wet season. So yeah. But that will that will go back down to normal, hopefully, very soon.\n\nChannel 0: Oh, awesome. So is your base income still around the 80,000 month?\n\nChannel 1: Yeah. No. Because I can't I can't really factor in my overtime because it's not guaranteed. Like, it is purely based on, like, like, wet season. I just wanna see what I just wanna see if I got a paid sleep work and see what my what I've already had for this year.\n\nIt might\n\nChannel 0: Yeah.\n\nChannel 1: give\n\nChannel 0: That'd\n\nChannel 1: you\n\nChannel 0: be helpful.\n\nChannel 1: a better idea. Where is it? One of the\n\nChannel 0: So\n\nChannel 1: information.\n\nChannel 0: I'm definitely gonna do just a couple of estimates because, obviously, we know your base. You're gonna be over a $100 in total, so I'm just kind of doing some estimates on what contribution to to be expected. But I just wanted\n\nChannel 1: Yeah.\n\nChannel 0: to see if there was anything a little bit more concrete that you could find.\n\nChannel 1: So for this year already, my gross is already $1.00 9.\n\nChannel 0: Yeah. Okay. That makes a little bit closer to what I was factoring in,\n\nChannel 1: Yeah.\n\nChannel 0: which I think I was working back almost, like, a hundred and twenty five, hundred and thirty.\n\nChannel 1: Yeah. Like, the look. I have cleared that in the last like, I've I think it's been, like, a 100 and I'd say a 125 the last two years. That's just with, like it's the overtime that actually bumps me up. But, hopefully, with our new b new e EBA coming in, like, my actual base will hit me over a 100 after the three years.\n\nChannel 0: Okay. New base market. You're flat sort of $100,105 something\n\nChannel 1: Yeah.\n\nChannel 0: after\n\nChannel 1: Yep.\n\nChannel 0: the three year mark.\n\nChannel 1: But that's\n\nChannel 0: Cool.\n\nChannel 1: still, like, that's still gotta be voted on, but, hopefully, they hurry up, like because it was yeah. We're gonna get back paid back until May. So\n\nChannel 0: How cool.\n\nChannel 1: I would say, like, I would I definitely am hitting a 100 a year. Like,\n\nChannel 0: Pretty consistently.\n\nChannel 1: even, yeah, even without the wet season because I I'm pretty certain I have hit that 100 a year consecutively for the last three years. So you could probably make it a 100. I don't know what that would do to anything else, but we'll look.\n\nChannel 0: Nothing too crazy. It's gonna obviously bump up the like, I'll work back the actual contributions you've gotten for the projection,\n\nChannel 1: Yep.\n\nChannel 0: so that's okay.\n\nChannel 1: Yep.\n\nChannel 0: I think that's a pretty safe bet, to be honest. So I was feeling like 80 was looking a little bit low\n\nChannel 1: Yeah.\n\nChannel 0: pretty\n\nChannel 1: Yeah.\n\nChannel 0: consistently. And what I'll do is I'll just put all this context into some file notes for you so that if anyone else looks at your file or if Monica and I are having a review six or twelve months time, it kind of makes sense the fluctuations that are going on, and it'll give us a bit of a, I guess, a framework between this and that.\n\nChannel 1: Yep. Okay. Sweet. Yep.\n\nChannel 0: Cool. Okay. Yeah. I'll work off that. That kinda helps me with the contributions.\n\nI'll factor in the insurances. And you did also sign your service agreement with our financial a little while ago as well.\n\nChannel 1: Yep.\n\nChannel 0: So I'm just gonna factor in basically everything, premiums, fees, taxes, the whole lot is gonna be in the projections.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And I think that's all good for, like, another nine months or so.\n\nChannel 1: Okay. Perfect. Yep. Yep. Excellent.\n\nChannel 0: Awesome. I really do appreciate you taking a few minutes with me today. Do you have any questions for me?\n\nChannel 1: No. No. That's fine. Thank you.\n\nChannel 0: So, Kim, is there a a good day potentially end of next week or week after that I can run through this plan with you?\n\nChannel 1: Yeah. I'll just check my calendar. What's next week? Two months, please. So the end of this week or next week, you reckon?\n\nChannel 0: Next week, if possible.\n\nChannel 1: Yep. Next week or start Friday. Yeah. Well, this twenty seventh is my audio, so, pretty much,\n\nChannel 0: Sure.\n\nChannel 1: yeah, like, anytime.\n\nChannel 0: Is it easier for you in the morning? So\n\nChannel 1: Yeah. Probably after day care drop off would be the best. Like, so maybe, like, anytime after 10:00?\n\nChannel 0: That would be perfect. I can do the same. I'll drop my kids\n\nChannel 1: Yep.\n\nChannel 0: off, and we can both catch up at 10:00 on\n\nChannel 1: Perfect.\n\nChannel 0: Friday the twenty seventh. And\n\nChannel 1: Yep.\n\nChannel 0: as long as you've got access to your email address, it shouldn't take more than half.\n\nChannel 1: Yep. Awesome. No worries. Will do.\n\nChannel 0: Awesome, Kim. I'll send you a little bit of an invite, and I'll put all this in the plan together, and I'll catch you in the next week.\n\nChannel 1: Perfect. Thank you so much.\n\nChannel 0: Thank you. Have a great day.\n\nChannel 1: You too. See you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.24,"sentiment":"neutral","sentiment_score":0.017811080440878868},{"text":"Kim speaking.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.024343665689229965}],"sentiment":"neutral","sentiment_score":0.022166137273112934,"channel":1,"num_words":3,"start":1.8399999,"end":3.06},{"sentences":[{"text":"Hi, Kim.","start":3.84,"end":4.48,"sentiment":"neutral","sentiment_score":0.09431314468383789},{"text":"It's Tommy here from.","start":4.48,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.10266631841659546},{"text":"How you been?","start":5.7599998,"end":6.5,"sentiment":"neutral","sentiment_score":0.10197550058364868}],"sentiment":"neutral","sentiment_score":0.10057978497611152,"channel":0,"num_words":9,"start":3.84,"end":6.5},{"sentences":[{"text":"Yeah.","start":6.7999997,"end":7.12,"sentiment":"neutral","sentiment_score":0.20213408768177032},{"text":"Good.","start":7.12,"end":7.2799997,"sentiment":"positive","sentiment_score":0.47704482078552246},{"text":"Thanks.","start":7.2799997,"end":7.6,"sentiment":"positive","sentiment_score":0.5609660148620605},{"text":"How are you?","start":7.6,"end":8.42,"sentiment":"positive","sentiment_score":0.3562202751636505}],"sentiment":"positive","sentiment_score":0.3848009581367175,"channel":1,"num_words":6,"start":6.7999997,"end":8.42},{"sentences":[{"text":"I'm doing fantastic.","start":8.72,"end":9.86,"sentiment":"positive","sentiment_score":0.7580587466557821},{"text":"I do appreciate you giving me a bit of time this afternoon.","start":9.92,"end":12.4,"sentiment":"positive","sentiment_score":0.7136804610490799},{"text":"Thank you so much for that.","start":12.4,"end":13.755,"sentiment":"positive","sentiment_score":0.6977944771448771}],"sentiment":"positive","sentiment_score":0.7154813635916937,"channel":0,"num_words":21,"start":8.72,"end":13.755},{"sentences":[{"text":"No.","start":13.84,"end":14.08,"sentiment":"neutral","sentiment_score":0.05533098801970482},{"text":"That's alright.","start":14.08,"end":14.88,"sentiment":"neutral","sentiment_score":0.08443313091993332},{"text":"Don't worry.","start":14.88,"end":15.54,"sentiment":"neutral","sentiment_score":0.1122201606631279}],"sentiment":"neutral","sentiment_score":0.08972751423716545,"channel":1,"num_words":5,"start":13.84,"end":15.54},{"sentences":[{"text":"Today is a bit of a short call.","start":16.555,"end":18.635,"sentiment":"neutral","sentiment_score":0.11480715963989496},{"text":"I'm just finishing off the advice for your portfolio switch when you're super, and","start":18.635,"end":25.055,"sentiment":"neutral","sentiment_score":0.13148867285677365}],"sentiment":"neutral","sentiment_score":0.12542266805063595,"channel":0,"num_words":22,"start":16.555,"end":25.055},{"sentences":[{"text":"Yep.","start":24.735,"end":25.235,"sentiment":"neutral","sentiment_score":0.1474553793668747}],"sentiment":"neutral","sentiment_score":0.1474553793668747,"channel":1,"num_words":1,"start":24.735,"end":25.235},{"sentences":[{"text":"I did notice that there was a bit of a policy anniversary for your insurances.","start":25.195,"end":29.2,"sentiment":"neutral","sentiment_score":0.07054608315229416},{"text":"So I just wanted","start":29.66,"end":30.220001,"sentiment":"neutral","sentiment_score":0.08123898692429066}],"sentiment":"neutral","sentiment_score":0.07279722078850395,"channel":0,"num_words":19,"start":25.195,"end":30.220001},{"sentences":[{"text":"Okay.","start":30.175,"end":30.675,"sentiment":"neutral","sentiment_score":0.1198042258620262}],"sentiment":"neutral","sentiment_score":0.1198042258620262,"channel":1,"num_words":1,"start":30.175,"end":30.675},{"sentences":[{"text":"to give you a quick buzz just to kind of run you through what the figures look like just in case.","start":30.220001,"end":35.36,"sentiment":"neutral","sentiment_score":0.09581368771337327}],"sentiment":"neutral","sentiment_score":0.09581368771337327,"channel":0,"num_words":21,"start":30.220001,"end":35.36},{"sentences":[{"text":"Yeah.","start":35.87,"end":36.27,"sentiment":"neutral","sentiment_score":0.08490918576717377},{"text":"Okay.","start":36.27,"end":36.59,"sentiment":"neutral","sentiment_score":0.104237899184227},{"text":"Yeah.","start":36.59,"end":37.09,"sentiment":"neutral","sentiment_score":0.22649963200092316}],"sentiment":"neutral","sentiment_score":0.13854890565077463,"channel":1,"num_words":3,"start":35.87,"end":37.09},{"sentences":[{"text":"Awesome.","start":37.74,"end":38.14,"sentiment":"positive","sentiment_score":0.3999161720275879},{"text":"Now just before I jump into it, just need to go through the quick security process with you.","start":38.14,"end":42.615,"sentiment":"neutral","sentiment_score":0.09687524164716403},{"text":"Do you recall your client password, Ken?","start":42.695004,"end":45.035,"sentiment":"neutral","sentiment_score":0.026649743052465574}],"sentiment":"neutral","sentiment_score":0.08962379704014613,"channel":0,"num_words":26,"start":37.74,"end":45.035},{"sentences":[{"text":"Yep.","start":44.91,"end":45.23,"sentiment":"neutral","sentiment_score":0.047879986464977264},{"text":"Yep.","start":45.23,"end":45.629997,"sentiment":"neutral","sentiment_score":0.05534738302230835},{"text":"Paris.","start":45.629997,"end":46.129997,"sentiment":"neutral","sentiment_score":0.09510154277086258}],"sentiment":"neutral","sentiment_score":0.06610963741938274,"channel":1,"num_words":3,"start":44.91,"end":46.129997},{"sentences":[{"text":"Perfect.","start":47.255,"end":47.735,"sentiment":"neutral","sentiment_score":0.294114351272583},{"text":"And are you okay for the call to be recorded?","start":47.735,"end":49.755,"sentiment":"neutral","sentiment_score":0.0755695290863514}],"sentiment":"neutral","sentiment_score":0.09543724019419063,"channel":0,"num_words":11,"start":47.255,"end":49.755},{"sentences":[{"text":"Yep.","start":50.285,"end":50.785,"sentiment":"neutral","sentiment_score":0.1259235441684723}],"sentiment":"neutral","sentiment_score":0.1259235441684723,"channel":1,"num_words":1,"start":50.285,"end":50.785},{"sentences":[{"text":"Awesome.","start":52.055,"end":52.535004,"sentiment":"positive","sentiment_score":0.3814031779766083},{"text":"Thank you so much for that.","start":52.535004,"end":54.155003,"sentiment":"positive","sentiment_score":0.5733102957407633},{"text":"Now, Ken, there was one other thing I was gonna ask you as well, but just with the insurances, I've always factored in the premiums when I do the projections.","start":54.455,"end":63.1,"sentiment":"neutral","sentiment_score":0.06185149134447177},{"text":"So I'm gonna","start":63.16,"end":63.96,"sentiment":"neutral","sentiment_score":0.08150182167689006}],"sentiment":"neutral","sentiment_score":0.14803287894465028,"channel":0,"num_words":40,"start":52.055,"end":63.96},{"sentences":[{"text":"Yep.","start":63.94,"end":64.44,"sentiment":"neutral","sentiment_score":0.08009153604507446}],"sentiment":"neutral","sentiment_score":0.08009153604507446,"channel":1,"num_words":1,"start":63.94,"end":64.44},{"sentences":[{"text":"include all of this in the statement of advice just so you can see kind of what the figures look like.","start":63.96,"end":69.18,"sentiment":"neutral","sentiment_score":0.09793615731455031}],"sentiment":"neutral","sentiment_score":0.09793615731455031,"channel":0,"num_words":21,"start":63.96,"end":69.18},{"sentences":[{"text":"Yep.","start":69.619995,"end":70.119995,"sentiment":"neutral","sentiment_score":0.07453466951847076}],"sentiment":"neutral","sentiment_score":0.07453466951847076,"channel":1,"num_words":1,"start":69.619995,"end":70.119995},{"sentences":[{"text":"But your one path policy, it is stepped, and it does, like, bump up your cover every year as well slightly to kind of get you a bit of a cheaper increase.","start":71.115,"end":80.975,"sentiment":"neutral","sentiment_score":0.0828948391135782},{"text":"So I'll just quickly run you through the figures.","start":81.45,"end":83.77,"sentiment":"neutral","sentiment_score":0.13577989074918959},{"text":"You let me know if there's any kind of issues.","start":83.77,"end":85.71,"sentiment":"neutral","sentiment_score":0.05071568340063095}],"sentiment":"neutral","sentiment_score":0.08591785690948076,"channel":0,"num_words":51,"start":71.115,"end":85.71},{"sentences":[{"text":"Yep.","start":86.195,"end":86.695,"sentiment":"neutral","sentiment_score":0.07981419563293457}],"sentiment":"neutral","sentiment_score":0.07981419563293457,"channel":1,"num_words":1,"start":86.195,"end":86.695},{"sentences":[{"text":"We've got 537,000 worth of life insurance and total disability.","start":86.81,"end":93.15,"sentiment":"neutral","sentiment_score":0.053236062079668044},{"text":"That's bumped up to 563,000.","start":93.61,"end":96.59,"sentiment":"neutral","sentiment_score":0.1501469984650612},{"text":"So, like, a $30 bump off of your life insurance.","start":96.725,"end":99.784996,"sentiment":"neutral","sentiment_score":0.16977142319083213}],"sentiment":"neutral","sentiment_score":0.11923239380121231,"channel":0,"num_words":25,"start":86.81,"end":99.784996},{"sentences":[{"text":"Yep.","start":100.44,"end":100.94,"sentiment":"neutral","sentiment_score":0.1409512311220169}],"sentiment":"neutral","sentiment_score":0.1409512311220169,"channel":1,"num_words":1,"start":100.44,"end":100.94},{"sentences":[{"text":"Now the income protection has gone up slightly as well from $4.06 $9.05 to $4.08","start":102.244995,"end":110.564995,"sentiment":"neutral","sentiment_score":0.18430585463841756}],"sentiment":"neutral","sentiment_score":0.18430585463841756,"channel":0,"num_words":15,"start":102.244995,"end":110.564995},{"sentences":[{"text":"Mhmm.","start":110.284996,"end":110.784996,"sentiment":"neutral","sentiment_score":0.036590855568647385}],"sentiment":"neutral","sentiment_score":0.036590855568647385,"channel":1,"num_words":1,"start":110.284996,"end":110.784996},{"sentences":[{"text":"$0.08.","start":110.564995,"end":111.465,"sentiment":"neutral","sentiment_score":0.023865647614002228},{"text":"Now","start":112.159996,"end":112.659996,"sentiment":"neutral","sentiment_score":0.016332313418388367}],"sentiment":"neutral","sentiment_score":0.020098980516195297,"channel":0,"num_words":2,"start":110.564995,"end":112.659996},{"sentences":[{"text":"Mhmm.","start":112.284996,"end":112.784996,"sentiment":"neutral","sentiment_score":-0.015521223656833172}],"sentiment":"neutral","sentiment_score":-0.015521223656833172,"channel":1,"num_words":1,"start":112.284996,"end":112.784996},{"sentences":[{"text":"I'm not too concerned about the figures there because the income protection, that's protecting an income of 82,000, but we had you at, like, an $80,000 base earning over a $100, 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what that means is, like, if you claimed on it, you would still be able to get paid out that maximum amount of 4,800.","start":128.64499,"end":134.665,"sentiment":"neutral","sentiment_score":0.17485313534736632}],"sentiment":"neutral","sentiment_score":0.17485313534736632,"channel":0,"num_words":25,"start":128.64499,"end":134.665},{"sentences":[{"text":"Okay.","start":135.345,"end":135.825,"sentiment":"neutral","sentiment_score":0.1046668142080307},{"text":"Yep.","start":135.825,"end":136.145,"sentiment":"neutral","sentiment_score":0.1162935122847557},{"text":"Yep.","start":136.145,"end":136.645,"sentiment":"neutral","sentiment_score":0.14343710243701935}],"sentiment":"neutral","sentiment_score":0.12146580964326859,"channel":1,"num_words":3,"start":135.345,"end":136.645},{"sentences":[{"text":"Yep.","start":136.965,"end":137.465,"sentiment":"neutral","sentiment_score":0.16228970885276794},{"text":"Now with, like, the life and disability insurance, it's still sitting at that kind of half 1,000,000 mark, and it's only been a year and a half.","start":137.765,"end":145.18999,"sentiment":"neutral","sentiment_score":-0.03589531241191758},{"text":"So I just wanted to quickly run it by you and say, is there any major issue that you can see in that amount or cover that you would get in the event of, like, you can never work again or you pass away.","start":145.18999,"end":157.745,"sentiment":"neutral","sentiment_score":0.0019956703551790925}],"sentiment":"neutral","sentiment_score":-0.00998714209223787,"channel":0,"num_words":72,"start":136.965,"end":157.745},{"sentences":[{"text":"Yeah.","start":160.945,"end":161.345,"sentiment":"neutral","sentiment_score":-0.035635851323604584},{"text":"I don't know.","start":161.345,"end":161.905,"sentiment":"neutral","sentiment_score":-0.07932675629854202},{"text":"Is is it do you think it's not enough?","start":161.905,"end":164.245,"sentiment":"neutral","sentiment_score":-0.147360160946846}],"sentiment":"neutral","sentiment_score":-0.12306596682621883,"channel":1,"num_words":13,"start":160.945,"end":164.245},{"sentences":[{"text":"Not necessarily.","start":166.35,"end":167.09,"sentiment":"neutral","sentiment_score":-0.17818628251552582},{"text":"I think what they put in place originally was pretty reasonable.","start":167.23,"end":170.61,"sentiment":"neutral","sentiment_score":0.12160264429720966},{"text":"You can obviously insure yourself","start":171.95,"end":173.31,"sentiment":"neutral","sentiment_score":0.22537594735622407}],"sentiment":"neutral","sentiment_score":0.11711868105663194,"channel":0,"num_words":18,"start":166.35,"end":173.31},{"sentences":[{"text":"Yep.","start":173.23,"end":173.73,"sentiment":"neutral","sentiment_score":0.18123947083950043}],"sentiment":"neutral","sentiment_score":0.18123947083950043,"channel":1,"num_words":1,"start":173.23,"end":173.73},{"sentences":[{"text":"for anything.","start":173.31,"end":173.79,"sentiment":"neutral","sentiment_score":0.1455509439110756},{"text":"Right?","start":173.79,"end":174.03,"sentiment":"neutral","sentiment_score":0.1092546135187149},{"text":"You can get off.","start":174.03,"end":178.93,"sentiment":"neutral","sentiment_score":0.08108538761734962},{"text":"You can really stack a lot of things up, and before you know it, you're sitting at a million dollars or even 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what I'll do is I'll just put all this context into some file notes for you so that if anyone else looks at your file or if Monica and I are having a review six or twelve months time, it kind of makes sense the fluctuations that are going on, and it'll give us a bit of a, I guess, a framework between this and that.","start":587.205,"end":604.34,"sentiment":"neutral","sentiment_score":0.0638275518735398}],"sentiment":"neutral","sentiment_score":0.0631263931555783,"channel":0,"num_words":68,"start":584.565,"end":604.34},{"sentences":[{"text":"Yep.","start":604.81,"end":605.29004,"sentiment":"neutral","sentiment_score":0.12530381977558136},{"text":"Okay.","start":605.29004,"end":605.77,"sentiment":"neutral","sentiment_score":0.21255552768707275},{"text":"Sweet.","start":605.77,"end":606.27,"sentiment":"positive","sentiment_score":0.3355686664581299},{"text":"Yep.","start":606.33,"end":606.83,"sentiment":"neutral","sentiment_score":0.3206205368041992}],"sentiment":"neutral","sentiment_score":0.2485121376812458,"channel":1,"num_words":4,"start":604.81,"end":606.83},{"sentences":[{"text":"Cool.","start":607.935,"end":608.255,"sentiment":"positive","sentiment_score":0.4270671308040619},{"text":"Okay.","start":608.255,"end":608.755,"sentiment":"neutral","sentiment_score":0.23834972083568573},{"text":"Yeah.","start":609.375,"end":609.77496,"sentiment":"neutral","sentiment_score":0.24438446760177612},{"text":"I'll work off that.","start":609.77496,"end":610.735,"sentiment":"neutral","sentiment_score":0.26302843913435936},{"text":"That kinda helps me with the contributions.","start":610.735,"end":612.595,"sentiment":"positive","sentiment_score":0.3509850970336369}],"sentiment":"neutral","sentiment_score":0.3156293396438871,"channel":0,"num_words":14,"start":607.935,"end":612.595},{"sentences":[{"text":"I'll factor in the insurances.","start":612.975,"end":614.51495,"sentiment":"neutral","sentiment_score":0.21303958296775818},{"text":"And you did also sign your service agreement with our financial a little while ago as well.","start":615.45496,"end":621.65,"sentiment":"neutral","sentiment_score":0.18011931549100316}],"sentiment":"neutral","sentiment_score":0.18760119446299292,"channel":0,"num_words":22,"start":612.975,"end":621.65},{"sentences":[{"text":"Yep.","start":621.94,"end":622.44,"sentiment":"neutral","sentiment_score":0.15906323492527008}],"sentiment":"neutral","sentiment_score":0.15906323492527008,"channel":1,"num_words":1,"start":621.94,"end":622.44},{"sentences":[{"text":"So I'm just gonna factor in basically everything, premiums, fees, taxes, the whole lot is gonna be in the projections.","start":621.95,"end":629.25,"sentiment":"neutral","sentiment_score":0.14525142535567284}],"sentiment":"neutral","sentiment_score":0.14525142535567284,"channel":0,"num_words":20,"start":621.95,"end":629.25},{"sentences":[{"text":"Yeah.","start":629.86,"end":630.26,"sentiment":"neutral","sentiment_score":0.14766523241996765},{"text":"Okay.","start":630.26,"end":630.76,"sentiment":"neutral","sentiment_score":0.18017145991325376}],"sentiment":"neutral","sentiment_score":0.16391834616661072,"channel":1,"num_words":2,"start":629.86,"end":630.76},{"sentences":[{"text":"And I think that's all good for, like, another nine months or so.","start":630.73505,"end":634.35504,"sentiment":"neutral","sentiment_score":0.2555200755596161}],"sentiment":"neutral","sentiment_score":0.2555200755596161,"channel":0,"num_words":13,"start":630.73505,"end":634.35504},{"sentences":[{"text":"Okay.","start":634.82,"end":635.22,"sentiment":"neutral","sentiment_score":0.22572477161884308},{"text":"Perfect.","start":635.22,"end":635.72,"sentiment":"positive","sentiment_score":0.3881292939186096},{"text":"Yep.","start":635.86,"end":636.26,"sentiment":"neutral","sentiment_score":0.23369652032852173},{"text":"Yep.","start":636.26,"end":636.76,"sentiment":"neutral","sentiment_score":0.30030250549316406},{"text":"Excellent.","start":637.095,"end":637.595,"sentiment":"positive","sentiment_score":0.6131806373596191}],"sentiment":"positive","sentiment_score":0.35220674574375155,"channel":1,"num_words":5,"start":634.82,"end":637.595},{"sentences":[{"text":"Awesome.","start":637.775,"end":638.275,"sentiment":"positive","sentiment_score":0.6783568859100342},{"text":"I really do appreciate you taking a few minutes with me today.","start":638.335,"end":640.895,"sentiment":"positive","sentiment_score":0.643895298242569},{"text":"Do you have any questions for me?","start":640.895,"end":642.59503,"sentiment":"neutral","sentiment_score":0.23014701902866364}],"sentiment":"positive","sentiment_score":0.5008064799010754,"channel":0,"num_words":20,"start":637.775,"end":642.59503},{"sentences":[{"text":"No.","start":643.175,"end":643.495,"sentiment":"neutral","sentiment_score":0.01694333739578724},{"text":"No.","start":643.495,"end":643.735,"sentiment":"neutral","sentiment_score":0.050342150032520294},{"text":"That's fine.","start":643.735,"end":644.45496,"sentiment":"neutral","sentiment_score":0.19881830364465714},{"text":"Thank you.","start":644.45496,"end":645.19495,"sentiment":"positive","sentiment_score":0.3913578987121582}],"sentiment":"neutral","sentiment_score":0.20793964869032303,"channel":1,"num_words":6,"start":643.175,"end":645.19495},{"sentences":[{"text":"So, Kim, is there a a good day potentially end of next week or week after that I can run through this plan with you?","start":646.15,"end":653.45,"sentiment":"neutral","sentiment_score":0.10047568500041962}],"sentiment":"neutral","sentiment_score":0.10047568500041962,"channel":0,"num_words":25,"start":646.15,"end":653.45},{"sentences":[{"text":"Yeah.","start":653.86,"end":654.36,"sentiment":"neutral","sentiment_score":0.04309835284948349},{"text":"I'll just check my calendar.","start":654.66003,"end":656.12,"sentiment":"neutral","sentiment_score":0.04371080696582794},{"text":"What's next week?","start":656.42004,"end":657.64,"sentiment":"neutral","sentiment_score":0.01602967952688535},{"text":"Two months, please.","start":659.54004,"end":660.92004,"sentiment":"neutral","sentiment_score":0.016059632723530132},{"text":"So the end of this week or next week, you reckon?","start":663.585,"end":666.325,"sentiment":"neutral","sentiment_score":0.024126340889117935}],"sentiment":"neutral","sentiment_score":0.02710043800913769,"channel":1,"num_words":23,"start":653.86,"end":666.325},{"sentences":[{"text":"Next week, if possible.","start":668.075,"end":669.375,"sentiment":"neutral","sentiment_score":0.032128239050507545}],"sentiment":"neutral","sentiment_score":0.032128239050507545,"channel":0,"num_words":4,"start":668.075,"end":669.375},{"sentences":[{"text":"Yep.","start":670.225,"end":670.545,"sentiment":"neutral","sentiment_score":0.06480412185192108},{"text":"Next week or start Friday.","start":670.545,"end":672.325,"sentiment":"neutral","sentiment_score":0.04423295445740223},{"text":"Yeah.","start":672.465,"end":672.785,"sentiment":"neutral","sentiment_score":0.0750257670879364},{"text":"Well, this twenty seventh is my audio, so, pretty much,","start":672.785,"end":680.67,"sentiment":"neutral","sentiment_score":0.08282291367650033}],"sentiment":"neutral","sentiment_score":0.0699543410583454,"channel":1,"num_words":17,"start":670.225,"end":680.67},{"sentences":[{"text":"Sure.","start":680.62,"end":681.12,"sentiment":"neutral","sentiment_score":0.09704165160655975}],"sentiment":"neutral","sentiment_score":0.09704165160655975,"channel":0,"num_words":1,"start":680.62,"end":681.12},{"sentences":[{"text":"yeah, like, anytime.","start":681.69,"end":683.23004,"sentiment":"neutral","sentiment_score":0.08395790308713913}],"sentiment":"neutral","sentiment_score":0.08395790308713913,"channel":1,"num_words":3,"start":681.69,"end":683.23004},{"sentences":[{"text":"Is it easier for you in the morning?","start":684.475,"end":686.235,"sentiment":"neutral","sentiment_score":0.10239062923938036},{"text":"So","start":686.235,"end":686.475,"sentiment":"neutral","sentiment_score":0.07065234333276749}],"sentiment":"neutral","sentiment_score":0.09886415302753448,"channel":0,"num_words":9,"start":684.475,"end":686.475},{"sentences":[{"text":"Yeah.","start":687.45,"end":687.85004,"sentiment":"neutral","sentiment_score":0.07190968096256256},{"text":"Probably after day care drop off would be the best.","start":687.85004,"end":690.65,"sentiment":"neutral","sentiment_score":0.08160435259342194},{"text":"Like, so maybe, like, anytime after 10:00?","start":690.65,"end":694.21497,"sentiment":"neutral","sentiment_score":0.07969726409230914}],"sentiment":"neutral","sentiment_score":0.08032411419683033,"channel":1,"num_words":18,"start":687.45,"end":694.21497},{"sentences":[{"text":"That would be perfect.","start":695.85,"end":697.05,"sentiment":"neutral","sentiment_score":0.268960103392601},{"text":"I can do the same.","start":697.05,"end":698.41,"sentiment":"neutral","sentiment_score":0.1810605227947235},{"text":"I'll drop my kids","start":698.41,"end":699.29,"sentiment":"neutral","sentiment_score":0.12220660969614983}],"sentiment":"neutral","sentiment_score":0.18999765125604776,"channel":0,"num_words":13,"start":695.85,"end":699.29},{"sentences":[{"text":"Yep.","start":698.995,"end":699.495,"sentiment":"neutral","sentiment_score":0.13517974317073822}],"sentiment":"neutral","sentiment_score":0.13517974317073822,"channel":1,"num_words":1,"start":698.995,"end":699.495},{"sentences":[{"text":"off, and we can both catch up at 10:00 on","start":699.29,"end":702.35,"sentiment":"neutral","sentiment_score":0.16717877238988876}],"sentiment":"neutral","sentiment_score":0.16717877238988876,"channel":0,"num_words":10,"start":699.29,"end":702.35},{"sentences":[{"text":"Perfect.","start":701.95496,"end":702.45496,"sentiment":"neutral","sentiment_score":0.2819923758506775}],"sentiment":"neutral","sentiment_score":0.2819923758506775,"channel":1,"num_words":1,"start":701.95496,"end":702.45496},{"sentences":[{"text":"Friday the twenty seventh.","start":702.41,"end":704.02997,"sentiment":"neutral","sentiment_score":0.12687149830162525},{"text":"And","start":704.33,"end":704.83,"sentiment":"neutral","sentiment_score":0.14943599700927734}],"sentiment":"neutral","sentiment_score":0.13138439804315566,"channel":0,"num_words":5,"start":702.41,"end":704.83},{"sentences":[{"text":"Yep.","start":704.63,"end":705.13,"sentiment":"neutral","sentiment_score":0.1326686143875122}],"sentiment":"neutral","sentiment_score":0.1326686143875122,"channel":1,"num_words":1,"start":704.63,"end":705.13},{"sentences":[{"text":"as long as you've got access to your email address, it shouldn't take more than half.","start":704.97,"end":708.43,"sentiment":"neutral","sentiment_score":0.15519083244726062}],"sentiment":"neutral","sentiment_score":0.15519083244726062,"channel":0,"num_words":16,"start":704.97,"end":708.43},{"sentences":[{"text":"Yep.","start":709.02997,"end":709.43,"sentiment":"neutral","sentiment_score":0.18800243735313416},{"text":"Awesome.","start":709.43,"end":709.93,"sentiment":"positive","sentiment_score":0.3793331980705261},{"text":"No worries.","start":709.99,"end":710.63,"sentiment":"neutral","sentiment_score":0.2523929625749588},{"text":"Will do.","start":710.63,"end":711.37,"sentiment":"neutral","sentiment_score":0.21028484404087067}],"sentiment":"neutral","sentiment_score":0.24878187477588654,"channel":1,"num_words":6,"start":709.02997,"end":711.37},{"sentences":[{"text":"Awesome, Kim.","start":712.175,"end":712.89496,"sentiment":"positive","sentiment_score":0.8819914758205414},{"text":"I'll send you a little bit of an invite, and I'll put all this in the plan together, and I'll catch you in the next week.","start":712.89496,"end":718.435,"sentiment":"positive","sentiment_score":0.6652246369765356}],"sentiment":"positive","sentiment_score":0.6807079826082502,"channel":0,"num_words":28,"start":712.175,"end":718.435},{"sentences":[{"text":"Perfect.","start":718.79694,"end":719.1969,"sentiment":"positive","sentiment_score":0.8675351738929749},{"text":"Thank you so much.","start":719.1969,"end":720.41693,"sentiment":"positive","sentiment_score":0.8921766728162766}],"sentiment":"positive","sentiment_score":0.8872483730316162,"channel":1,"num_words":5,"start":718.79694,"end":720.41693},{"sentences":[{"text":"Thank you.","start":721.0569,"end":721.53687,"sentiment":"positive","sentiment_score":0.8365387618541718},{"text":"Have a great day.","start":721.53687,"end":722.5169,"sentiment":"positive","sentiment_score":0.7877853661775589}],"sentiment":"positive","sentiment_score":0.8040364980697632,"channel":0,"num_words":6,"start":721.0569,"end":722.5169},{"sentences":[{"text":"You too.","start":722.55695,"end":723.1969,"sentiment":"positive","sentiment_score":0.5751120448112488},{"text":"See you.","start":723.1969,"end":723.43695,"sentiment":"positive","sentiment_score":0.518568605184555},{"text":"Bye.","start":723.43695,"end":723.93695,"sentiment":"neutral","sentiment_score":0.22588536143302915}],"sentiment":"positive","sentiment_score":0.48264933228492735,"channel":1,"num_words":5,"start":722.55695,"end":723.93695},{"sentences":[{"text":"Bye.","start":724.65686,"end":725.15686,"sentiment":"neutral","sentiment_score":-0.09264668077230452}],"sentiment":"neutral","sentiment_score":-0.09264668077230452,"channel":0,"num_words":1,"start":724.65686,"end":725.15686}]},"summary":{"result":"success","short":"A representative from a company called Tommy discusses the customer's insurance policy with Tommy, who is concerned about the policy anniversarying and premiums. They agree to reduce coverage if the customer claims never to work again and discuss the possibility of reducing their contribution to their plan. The agent estimates the customer's gross contribution and suggests a new base contribution, and they schedule a meeting to review a plan. The agent will use the customer's information to make a plan and will send an invite."},"intents":{"segments":[{"text":"I'm just finishing off the advice for your portfolio switch when you're super, and Yep.","start_word":52,"end_word":66,"intents":[{"intent":"Get advice on portfolio switch","confidence_score":0.00026428164}]},{"text":"Now, Ken, there was one other thing I was gonna ask you as well, but just with the insurances, I've always factored in the premiums when I do the projections. So I'm gonna Yep. include all of this in the statement of advice just so you can see kind of what the figures look like. Yep.","start_word":159,"end_word":214,"intents":[{"intent":"Provide information on premiums","confidence_score":0.00018861203}]},{"text":"But your one path policy, it is stepped, and it does, like, bump up your cover every year as well slightly to kind of get you a bit of a cheaper increase. So I'll just quickly run you through the figures. You let me know if there's any kind of issues. Yep.","start_word":215,"end_word":266,"intents":[{"intent":"Clarify cover escalations","confidence_score":1.1229664e-9}]},{"text":"Is is it do you think it's not enough? Not necessarily.","start_word":453,"end_word":463,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.044864487}]},{"text":"then it'll go to, like, $161,800 dollars, which would be a lot more manageable. Yeah.","start_word":644,"end_word":658,"intents":[{"intent":"Estimate budget","confidence_score":0.00109355}]},{"text":"So is your base income still around the 80,000 month? Yeah.","start_word":1169,"end_word":1179,"intents":[{"intent":"Estimate income","confidence_score":0.100855105}]},{"text":"You're gonna be over a $100 in total, so I'm just kind of doing some estimates on what contribution to to be expected. But I just wanted Yeah.","start_word":1267,"end_word":1294,"intents":[{"intent":"Estimate contribution","confidence_score":0.640632}]},{"text":"You're flat sort of $100,105 something Yeah. after Yep.","start_word":1422,"end_word":1430,"intents":[{"intent":"Fix base market","confidence_score":0.00034895813}]},{"text":"I would say, like, I would I definitely am hitting a 100 a year. Like, Pretty consistently.","start_word":1467,"end_word":1483,"intents":[{"intent":"Score highest contribution","confidence_score":0.000026598365}]},{"text":"It's gonna obviously bump up the like, I'll work back the actual contributions you've gotten for the projection, Yep.","start_word":1533,"end_word":1551,"intents":[{"intent":"Evaluate projected contributions","confidence_score":0.00021804408}]},{"text":"So, Kim, is there a a good day potentially end of next week or week after that I can run through this plan with you? Yeah.","start_word":1756,"end_word":1781,"intents":[{"intent":"Schedule and discuss plan","confidence_score":0.00064027874}]}]},"sentiments":{"segments":[{"text":"Hello? Kim speaking. Hi, Kim. It's Tommy here from. How you been? Yeah.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.09199461340904236},{"text":"Good. Thanks. How are you? I'm doing fantastic. I do appreciate you giving me a bit of time this afternoon. Thank you so much for that.","start_word":13,"end_word":38,"sentiment":"positive","sentiment_score":0.6494579315185547},{"text":"No. That's alright. Don't worry. Today is a bit of a short call. I'm just finishing off the advice for your portfolio switch when you're super, and Yep. I did notice that there was a bit of a policy anniversary for your insurances. So I just wanted Okay. to give you a quick buzz just to kind of run you through what the figures look like just in case. Yeah. Okay. Yeah.","start_word":39,"end_word":110,"sentiment":"neutral","sentiment_score":0.10394702851772308},{"text":"Awesome.","start_word":111,"end_word":111,"sentiment":"positive","sentiment_score":0.3999161720275879},{"text":"Now just before I jump into it, just need to go through the quick security process with you. Do you recall your client password, Ken? Yep. Yep. Paris. Perfect. And are you okay for the call to be recorded? Yep.","start_word":112,"end_word":151,"sentiment":"neutral","sentiment_score":0.0842021033167839},{"text":"Awesome. Thank you so much for that.","start_word":152,"end_word":158,"sentiment":"positive","sentiment_score":0.527531087398529},{"text":"Now, Ken, there was one other thing I was gonna ask you as well, but just with the insurances, I've always factored in the premiums when I do the projections. So I'm gonna Yep. include all of this in the statement of advice just so you can see kind of what the figures look like. Yep. But your one path policy, it is stepped, and it does, like, bump up your cover every year as well slightly to kind of get you a bit of a cheaper increase. So I'll just quickly run you through the figures. You let me know if there's any kind of issues. Yep. We've got 537,000 worth of life insurance and total disability. That's bumped up to 563,000. So, like, a $30 bump off of your life insurance. Yep. Now the income protection has gone up slightly as well from $4.06 $9.05 to $4.08 Mhmm. $0.08. Now Mhmm. I'm not too concerned about the figures there because the income protection, that's protecting an income of 82,000, but we had you at, like, an $80,000 base earning over a $100, like, Yep. in Yep. total. Yep. So what that means is, like, if you claimed on it, you would still be able to get paid out that maximum amount of 4,800. Okay. Yep. Yep. Yep. Now with, like, the life and disability insurance, it's still sitting at that kind of half 1,000,000 mark, and it's only been a year and a half. So I just wanted to quickly run it by you and say, is there any major issue that you can see in that amount or cover that you would get in the event of, like, you can never work again or you pass away. Yeah. I don't know. Is is it do you think it's not enough? Not necessarily. I think what they put in place originally was pretty reasonable. You can obviously insure yourself Yep. for anything. Right? You can get off. You can really stack a lot of things up, and before you know it, you're sitting at a million dollars or even 2 Yeah. million dollars, which you Yeah. don't need to do. Yeah. My only actual red flag of concern is that because the the policies on the smoke is right just for the time being until that's twelve months free, Yeah.","start_word":159,"end_word":550,"sentiment":"neutral","sentiment_score":0.04577331472074195},{"text":"the price is still getting quite high.","start_word":551,"end_word":557,"sentiment":"negative","sentiment_score":-0.44275954365730286},{"text":"Yeah. Okay. Now all that means is it was 2,800. It's 3,300, Going up about 16 Yeah. percent. It's kind Yeah. of on that that 29% of your contributions threshold where I go, oh, it's getting a little bit Yeah. high. But if we can remove the smokers' rates in six or twelve months' time, that'll drop it almost in half. Oh, really? Yes. So Yeah. once Right. you're 12 Okay. months nicotine Yeah. free, they literally chop at 50%. Yeah. Right. Okay. And Yeah. then it'll go to, like, $161,800 dollars, which would be a lot more manageable. Yeah. Yeah. Definitely. Yeah. Alright. So I'm Yeah. not too worried about it for the time being. I'm gonna factor it into the projections. But if it continued on and it became 4,000, $5,000, I would probably have to trim it down. Yeah. Yeah. Yeah. Does that make Alright. sense? Yeah. Yep. Yep.","start_word":558,"end_word":709,"sentiment":"neutral","sentiment_score":-0.007630159159338004},{"text":"Yeah. I'm happy with that. Yep. Cool.","start_word":710,"end_word":716,"sentiment":"positive","sentiment_score":0.5462957620620728},{"text":"So you'll be getting after I do this portfolio update, Veronica's gonna look after you for the next sort of year or so and do that annual review as Yep. kind of your main go to adviser. Okay.","start_word":717,"end_word":754,"sentiment":"neutral","sentiment_score":0.2572793960571289},{"text":"Cool.","start_word":755,"end_word":755,"sentiment":"positive","sentiment_score":0.3629025220870972},{"text":"And Yep. I've already discussed all of this with her as well. So when I put it in the plan, you'll see it all in writing. But in that next catch up, she'll just double check how you're going with smoking status, if there's been any increases in the Yep. price again, and if you need Yep. to change anything. Okay.","start_word":756,"end_word":816,"sentiment":"neutral","sentiment_score":0.12519079446792605},{"text":"Perfect.","start_word":817,"end_word":817,"sentiment":"positive","sentiment_score":0.4243600368499756},{"text":"Yep.","start_word":818,"end_word":818,"sentiment":"neutral","sentiment_score":0.2337036728858948},{"text":"Yep. So cool. Awesome.","start_word":819,"end_word":822,"sentiment":"positive","sentiment_score":0.5132880210876465},{"text":"So I'll factor Yep. it in. I'll leave it alone for the time being. Just wanted to run it by you briefly. Yeah. Okay. No. Thank you. So last question I've got before I let you go is I was just trying to factor in your contributions from work and because you're doing Yeah. that salary sacrifice. Yeah. I just wanted to quickly ask you what arrangement that you put in place with work. So I was trying to mess with the figures, and I was like, oh, it kinda looks like there was a note saying that it was 20% in total with what work puts in plus your extra. You it does Yeah. look percentage based. Does that ring a bell? Yeah. I think it is. Yeah. I think it is 20%, like because I thought it was $20 a week, but when I sent when I was talking to someone, they're like, no. It changes. So it's probably more like a percentage. And I said, yeah. Well, if it is changing, then it will be, like, probably more like 20% of my income then. Or That makes a bit more sense because I was trying to work it back, and it was going, like, a $106 a week salary sacrifice. And it was 137, a 152, a 191, Yeah. and it was Because just it kind fluctuated. of up and down. Yeah. Yeah. Yeah. Yep. And then your work contributions for the first half of last year was, like, flat. It was $2.38 nonstop. And then Yeah. all of a sudden, we've hit recently, and it's, like, $4.30, $3.43. And it's just been, like, the last four or five months that it's been kind of up and down. Yeah. Because I've been on overtime. Yep. That For the makes last, a lot of sense. yeah, for the last three months, I've been doing twelve hour shifts, night shifts. So Oh, jeez. because it's the wet season. So yeah. But that will that will go back down to normal, hopefully, very soon.","start_word":823,"end_word":1166,"sentiment":"neutral","sentiment_score":-0.02595863677561283},{"text":"Oh, awesome.","start_word":1167,"end_word":1168,"sentiment":"positive","sentiment_score":0.3946205973625183},{"text":"So is your base income still around the 80,000 month? Yeah. No. Because I can't I can't really factor in my overtime because it's not guaranteed. Like, it is purely based on, like, like, wet season. I just wanna see what I just wanna see if I got a paid sleep work and see what my what I've already had for this year. It might Yeah. give That'd you be helpful. a better idea. Where is it? One of the So information. I'm definitely gonna do just a couple of estimates because, obviously, we know your base. You're gonna be over a $100 in total, so I'm just kind of doing some estimates on what contribution to to be expected. But I just wanted Yeah. to see if there was anything a little bit more concrete that you could find. So for this year already, my gross is already $1.00 9. Yeah. Okay. That makes a little bit closer to what I was factoring in, Yeah. which I think I was working back almost, like, a hundred and twenty five, hundred and thirty. Yeah. Like, the look. I have cleared that in the last like, I've I think it's been, like, a 100 and I'd say a 125 the last two years. That's just with, like it's the overtime that actually bumps me up. But, hopefully, with our new b new e EBA coming in, like, my actual base will hit me over a 100 after the three years. Okay. New base market. You're flat sort of $100,105 something Yeah. after Yep. the three year mark. But that's Cool. still, like, that's still gotta be voted on, but, hopefully, they hurry up, like because it was yeah. We're gonna get back paid back until May.","start_word":1169,"end_word":1463,"sentiment":"neutral","sentiment_score":0.0411896313477497},{"text":"So How cool. I would say, like, I would I definitely am hitting a 100 a year. Like, Pretty consistently.","start_word":1464,"end_word":1483,"sentiment":"positive","sentiment_score":0.5675618648529053},{"text":"even, yeah, even without the wet season because I I'm pretty certain I have hit that 100 a year consecutively for the last three years.","start_word":1484,"end_word":1508,"sentiment":"neutral","sentiment_score":0.32061105966567993},{"text":"So you could probably make it a 100.","start_word":1509,"end_word":1516,"sentiment":"positive","sentiment_score":0.3645838797092438},{"text":"I don't know what that would do to anything else, but we'll look. Nothing too crazy. It's gonna obviously bump up the like, I'll work back the actual contributions you've gotten for the projection, Yep. so that's okay. Yep. I think that's a pretty safe bet, to be honest. So I was feeling like 80 was looking a little bit low Yeah. pretty consistently. Yeah. And what I'll do is I'll just put all this context into some file notes for you so that if anyone else looks at your file or if Monica and I are having a review six or twelve months time, it kind of makes sense the fluctuations that are going on, and it'll give us a bit of a, I guess, a framework between this and that. Yep. Okay.","start_word":1517,"end_word":1650,"sentiment":"neutral","sentiment_score":0.06884723356855449},{"text":"Sweet.","start_word":1651,"end_word":1651,"sentiment":"positive","sentiment_score":0.3355686664581299},{"text":"Yep.","start_word":1652,"end_word":1652,"sentiment":"neutral","sentiment_score":0.3206205368041992},{"text":"Cool.","start_word":1653,"end_word":1653,"sentiment":"positive","sentiment_score":0.4270671308040619},{"text":"Okay. Yeah. I'll work off that.","start_word":1654,"end_word":1659,"sentiment":"neutral","sentiment_score":0.25984761118888855},{"text":"That kinda helps me with the contributions.","start_word":1660,"end_word":1666,"sentiment":"positive","sentiment_score":0.3498639464378357},{"text":"I'll factor in the insurances. And you did also sign your service agreement with our financial a little while ago as well. Yep. So I'm just gonna factor in basically everything, premiums, fees, taxes, the whole lot is gonna be in the projections. Yeah. Okay. And I think that's all good for, like, another nine months or so. Okay.","start_word":1667,"end_word":1725,"sentiment":"neutral","sentiment_score":0.18724337220191956},{"text":"Perfect.","start_word":1726,"end_word":1726,"sentiment":"positive","sentiment_score":0.3881292939186096},{"text":"Yep. Yep.","start_word":1727,"end_word":1728,"sentiment":"neutral","sentiment_score":0.2669995427131653},{"text":"Excellent. Awesome. I really do appreciate you taking a few minutes with me today.","start_word":1729,"end_word":1742,"sentiment":"positive","sentiment_score":0.6393421292304993},{"text":"Do you have any questions for me? No. No. That's fine.","start_word":1743,"end_word":1753,"sentiment":"neutral","sentiment_score":0.17539817094802856},{"text":"Thank you.","start_word":1754,"end_word":1755,"sentiment":"positive","sentiment_score":0.3868755996227264},{"text":"So, Kim, is there a a good day potentially end of next week or week after that I can run through this plan with you? Yeah. I'll just check my calendar. What's next week? Two months, please. So the end of this week or next week, you reckon? Next week, if possible. Yep. Next week or start Friday. Yeah. Well, this twenty seventh is my audio, so, pretty much, Sure. yeah, like, anytime. Is it easier for you in the morning? So Yeah. Probably after day care drop off would be the best. Like, so maybe, like, anytime after 10:00? That would be perfect. I can do the same. I'll drop my kids Yep. off, and we can both catch up at 10:00 on Perfect. Friday the twenty seventh. And Yep. as long as you've got access to your email address, it shouldn't take more than half. Yep.","start_word":1756,"end_word":1903,"sentiment":"neutral","sentiment_score":0.10114334523677826},{"text":"Awesome.","start_word":1904,"end_word":1904,"sentiment":"positive","sentiment_score":0.3793331980705261},{"text":"No worries. Will do.","start_word":1905,"end_word":1908,"sentiment":"neutral","sentiment_score":0.25419163703918457},{"text":"Awesome, Kim. I'll send you a little bit of an invite, and I'll put all this in the plan together, and I'll catch you in the next week. Perfect. Thank you so much. Thank you. Have a great day. You too. See you.","start_word":1909,"end_word":1951,"sentiment":"positive","sentiment_score":0.7107275128364563},{"text":"Bye. Bye.","start_word":1952,"end_word":1953,"sentiment":"neutral","sentiment_score":0.18821024894714355}],"average":{"sentiment":"neutral","sentiment_score":0.09366133081631398}}}}