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I was just giving you a quick call to see if I could get you booked in for your under review that's coming up or if now is a good time for you to run through that. Yeah. No. Are you happy to kind of run through that now, or is now not yeah. Yeah. Alright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Perfect. And just to confirm I am speaking with you with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yes. So if you so we are your advisers that yeah. Yeah. Sorry. No. No. That's and that's totally good. You are. I'm just saying I am a bit blocked in the nurse today, so I do do apologize if you couldn't hear me hear me very well. But yeah. No. It's just to kind of go through a bit of your interview to see, you know, what's changed in your life, if you need to make any changes to the advice, give you a bit of a rundown on, obviously, your super annual performance or what's happened, essentially. Yeah. Now you said you're down in Sydney at the moment. Is that just for work? Or Yeah. Oh, yeah. Perfect. Well, I will try not to keep you for too long. Now just before I do go in to kind of run through a bit of a fact finding and see what's changed, is there anything specific that you are, you know, wanting me to address today or go over or just just a bit of an update, really? Yeah. Yeah. Just do you show? Alright. Perfect. Now bear with me as I go through some of your details here. Now I guess when it comes to your personal information, has any of that changed or, you know, still married with one financial dependent at home? Yep. Perfect. Now I do have here next of kin Anne nominated. Is that still the case? Yep. Perfect. Yep. Perfect. No. That's okay. And do do does she have a contact number or anything that in the event that, you know, we cannot get in touch with you at all? Yeah. Yeah. That's okay. That's okay. Honestly, most people don't nowadays because you don't really have to. They don't have to memorize it anymore. Yep. Zero. Yep. Okay. Do you know how much she has roughly at the moment? I'm not sure. Okay. It's definitely something we can look at for her. We do have other options, you know, especially if you have a a lower balance. So, obviously, we don't wanna make sure that fees are eroded. Is it something that she would be open to revisit, do you think? Yeah. Yeah. It's up to you. I would be more than happy to do some more research for her and see if we can now help her and put her in a better position. You know, it obviously doesn't cost anything. It's just a free review. If it's something that, you know, she's she's happy to, I'd be more than happy to do that research for her. Yeah. Yeah. No. That's okay. You are more than happy to do it. Obviously, as long as, you know, she's on the phone with you, then that would be that would be perfect. When is typically because I can set up a bit of a call to do that, obviously, separate. When is, you know, typically a good time? Like, when will you be home? Okay. Yep. Do you want me to book in something sensitively, or do you wanna, like yeah. Okay. Perfect. About 04:00? Do you think that would be? Yeah. Alright. Perfect. And that would obviously be Queensland time? Yes. Alright. Perfect. That is Wednesday, the eighteenth, at 4PM. Now would you like us to give you a call, and then, obviously, she will be there or 45 5 5? Yep. Yep. Yeah. Yep. Okay. Perfect. We'll schedule that in. We'll call your phone number. You know, if anything changes and you can't make it, you know, we can always just reshuffle it and see where we can do that for you. Yes. Oh, okay. Well, yeah. Okay. Yeah. If if you can, that will be great. We can obviously talk through that in the the process. But, yeah, definitely, we can, you know, have a look at that. There's, you know, options. And especially, it's always good as well when we are, you know, having couples because then we can help work with the two of you together because a lot of the time, you do have joint goals and stuff like that. And, you know, assist both of you. But, yeah, I'll definitely get that locked in. Now, otherwise, your your kind of employment detail, has any of that changed or that's kind of all the same? Perfect. And I don't think we've spoken before. What is it that you do for work? Oh, yeah. Oh, yeah. Do you like it? Yeah. Yeah. Do you what do you do? Three weeks. What would what's your roster typically like? Yeah. Oh, that's that's pretty good. And that's full time kind of with the roster, I guess? Yeah. Yeah. Perfect. Now I have done here last time we spoke to income was around 90,000. Is that still roughly the same? Yep. Perfect. Now do you get paid, like, overtime or bonuses and stuff, or it's generally kind of yep. Yep. Perfect. Oh, yeah. Nice. And your employer, do they just pay you that standard 12% contribution into super, or do you have any yeah. Perfect. Yes. Yes. It is. Yeah. Most of them do do it quarterly. And you're not making any, you know, additional contributions, not just that of your employer. Perfect. And who's your employer as well? Just because I don't have that written down here. Davidson. Perfect. And you said you've kind of been doing that for about two and a half years, did you say? Yeah. Yeah. Okay. Perfect. At least you know each other well. Yep. Now with your, you know, expenses and savings and stuff like that, do you is that something you keep an eye on? Like, do you know roughly your total bills and expenses per year at all? Yep. No. That's okay. Most people say, not really sure and tend to obviously savings tend to fluctuate obviously based on bills and expenses. Now with your assets, so I have here your main property that you live in was last valued at about 650,000. Yep. So that would be roughly the same, do you reckon? Alright. Perfect. Oh, yeah. Do you want me to change it to 8 or, like, $7.50? Yes. Oh, yes. Yeah. Yeah. Well, a lot of property obviously have gone up crazy at the moment. So yeah. That's nice. And do you have a mortgage attached to that property? Yes. Yes. And with the loan, do you have a combined loan for it, or do you have, like, your property and then okay. Yeah. And is that because you wanted to set up that certain way? Or mhmm. Okay. Yep. Yeah. Okay. Yep. So just trying to sell. Yeah. Yeah. And do you have a good, like, mortgage broker and stuff that you guys typically deal with? Okay. Mhmm. Would you be orphan we have a couple of lenders that we work very closely with. Okay. Okay. Okay. Yep. If it does change, though, because sometimes, like, it doesn't doesn't hurt to check, just let me know because I can always get them to give you a call and run through it with you. Again, it obviously doesn't cost you anything if you want a bit of a review again on the mortgages and how things are. Yep. Yep. Okay. Yeah. Yeah. They like that. Okay. Well, just let me know, and I can always get them to give you a call whenever you're ready. But on the loan attached to your property, so the your the one that you live in, do you know roughly how much is on that one? Five. Okay. Perfect. Yep. Now, obviously, with your other properties, which one is it that you guys are looking at selling? Do you know, or you haven't really decided? Perfect. And I had that valued at about $3.50 last time. Oh, nice. Okay. Perfect. So about $5.50. Looking at selling that one. Now I do also have here Clifton, another property. You have that one as well? Oh, nice. I have Richlands as well. Oh, nice. And Blenheim? Alright. Perfect. I'll put it at about 400. And then there's, I think, one more coming out. I was like, I don't know how to pronounce that one. About $35,400 for that one as well? Yeah. Yeah. Alright. Nice. Now, obviously, you said there's a couple of different loan structures combined. Do you know roughly, like, the total of the other ones? Like, how much Yep. Alright. Perfect. And that includes the 120 on your property? $4.07. Yeah. Yep. Okay. Perfect. Thank you so much. Now any other assets otherwise, any motor vehicles or boats or caravans? Pickup. Yep. Caravan about 4. And if you were to kind of combine all the three motor vehicles, how much do you think that would be combined? About 8. Perfect. And anything owing on any of the cars or the caravan? No. Yeah. Great. Perfect. Any other, like, liabilities, personal loans, credit cards, SIP pay? Yep. Yep. Yep. Okay. Perfect. Anything else? Yep. Yep. Perfect. Yep. Perfect. And that's also an yeah. Yep. Yep. It's consolidated a little bit more. And that the other credit card, was that another 10, did you say, roughly? Yeah. Alright. Perfect. Thank you so much for updating that. Now when it comes to your health and lifestyle, has any of that changed still a nonsmoker? Non smoker. Yep. And any any health issues or any new medications? Alright. Perfect. And do you have private health insurance? Alright. And when it comes to a estate planning, do you have a will in place? Like, a will in place for your assets or something? Yeah. Yeah. Perfect. Amazing. Yep. Yep. Perfect. And do you know if you have a power of attorney nomination as part of when you guys got no. That's okay. Yeah. Yeah. Yep. But you're okay. Yes. That's meant to be. And you are not politically exposed to earning income overseas, are you? No. Perfect. Thank you very much. Let me see here. Now that was basically all of the personal details I need to run through with you. Now I guess kind of your other goals that you were working on, obviously, you're focusing on selling that one in property. You're trying to, you know, consolidate some of the debt and then maybe buy another one. Is there any other, you know, goals that you are working towards that you're wanting to achieve in the next, you know, couple of years or so? Retire? Yep. And we've yeah, it's 60 if you stop working. So at 60, if you stop working, you can access everything tax free. If you want to keep working, but you wanna access some of it, we can do that under a transition to retirement strategy. Yeah. Beautiful. I wouldn't be opposed to that. Oh, nice. Yeah. So that's kind of the plan is do you think when you turn 60, you might wanna do that? Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Perfect. Lovely. And that's obviously so I guess through with that, I do wanna reassess maybe your risk profile, so your investments, just to make sure it's still appropriate because of the time frame. So you're looking at about, yeah, a couple of years, really, to potentially then take everything out. Now you would take it all as a lump sum if you could. Ideally, like, you wouldn't have, like, an income just. Yep. Yep. Yep. Alright. Perfect. Now going back to your risk profile, so making sure that we have your money invested in appropriate time frame for you, I'm just gonna quickly go through a couple of questions just to determine if we have you in a correct allocation or if we wanna make any tweaks and changes. Now there are just multiple choice to make it nice and easy. And if if they don't make sense, let me know because some of them can be a little bit tricky. Now have you ever bought, like, direct shares or anything like that yourself before on the stock market? No. Okay. Yeah. We can always have a bit of a review of that for her if, you know, at the time she is wanting to do it. Alright. Perfect. And when it comes to taking on a bit of risk for your superannuation, are you in a position at the moment where you're wanting to take on, you know, a lot of risk or, like, a little bit of risk or bit of moderate risk? Or how would you kinda feel if you're Yep. Moderate? Perfect. And I guess if you saw your superannuation fell full in value by 20% after making a investment, kind of due to a general trends in the market. Would you wanna mainly hold, wait and see what happens, you know, invest a little bit more for potential growth, or kind of feel like you would wanna shift to a more secure asset. It's a hard one. I'm not sure it depends on yay. Yes. No. Exactly. No. That's fine. And I guess, like, a a return that you will be happy with each year from your investments, would you kind of expect, you know, 8% and above or six to 8% or four to six or two to 4%? Only 6%. Alright. Perfect. So, yeah, basically, from this, you kind of have come out as, you know, your your balanced growth investor, which is the portfolio we currently have you in. But I do wanna kind of highlight the time frame. So part of, obviously, how you feel about fluctuations is making sure that we have an appropriate time frame. Because of how the money is invested, we wanna make sure that when you wanna take it out in two years' time, you know, it's not gonna be a lot of fluctuations at the time. And at the time, it's it's down a little bit. So when we have a balanced growth, which is what you have at the moment, we typically see about 70% of the money invested in what we would call your growth asset. Now this would be your Australian shares or your international shares and your property as well, and that is what's going to give you the growth. And then you do have about 30% in our defensive assets. So that will be, you know, your cash, your gold, your fixed interest. We're trying to limit fluctuation. Now, typically, with with that, we do wanna allow a minimum time frame of about five years for making sure that you have enough time in the market for those fluctuations. So, obviously, you wanting to access Uber a little bit sooner than that. I can look at one step down, which is our balanced portfolio. So a balanced portfolio is you wanna you're still wanting to get some growth of your superannuation while you are working and you are contributing, but you want a bit more of that conservative element to your portfolio to limit fluctuations a little bit more. Because if you wanna access that in two years' time, we don't want it to be down heavily at the time. So the difference is about 10%. So you still have about 60% in those growth investments and focusing on that, and then about 40 in defensive. So about a 10% difference. And when we are looking at a time frame, we are looking more around your three year. So that will be a little bit more suitable from, you know, where you are currently at. Does that make sense? Yeah. Yep. Yes. Okay. Yeah. Yeah. So what I can do what I can do for you, if you would like me to, is I can do a bit of a review on your super and your investments, see what the changes would be like if we look through, reduce it down to the balance growth for you. I can do kinda put together that research for you, run through it with you, and then you can let me know what your your thought is when you know, you know, what it's going to look like. Yep. You happy for me to do that? Yep. Perfect. And talking about your investments as well, so after the review today, in the next couple of days, you will also get an email, kind of your typical annual review pack email. So you will have a performance report and a bit of a summary of your superannuation, kind of what's obviously changed in the last twelve months. Now I did have a look at your super balance as of last year to kind of give you that comparison. Is that something you keep an eye on a lot? Okay. You're you're pretty across. Yes. The the IP and security is yeah. Yeah. It's a bit yeah. Yeah. It's a bit yeah. It's a bit it's a bit frustrating sometimes, especially with all their authentication apps as well sometimes. It drives me insane. Yes. Exactly. Exactly. Now last year when you had your annual review with my colleague, Dana, your super balance was at around 212,074. And right now, it's at 252 at 304. So it's gone up. Yeah. Yeah. So with the investments as well, I do wanna do a bit more of an kind of an in-depth review of them. Now overall, your portfolio has been pretty, you know, okay for where it's at, but there is one particular one that's kind of been underperforming a little bit, and that is your Benelung Australian equity. So that one is your your managed fund, and they've kind of been down, lately. They had a bit of, one of the investments that they were interested in, they got suspended for trading because of reporting and stuff like that, which caused them to reevaluate it. So what I would like to do is specifically look at potentially removing that if it's, appropriate for you and then swapping swapping it out with something else that's doing a little bit because we still wanna make sure that in the next, you know, two to three or four years that we do wanna, you know, make sure your your money is growing. And if there is one of the investments we have you in at the moment that is not doing as well as we anticipated, then we do wanna look at changing that. So when I do look at, you know, reducing the risk profile, I'll specifically look at potentially changing that if if it's appropriate and look at your other investments as well just to make sure it's still doing good. But still, obviously, wanna make sure we would minimize, you know, if there's any tax or anything like that, because you do wanna take it up soon. So that will be part of the document. So you'll have a bit of a performance report on your whole portfolio there for you. You will have that summary, and then you will also have an ongoing service agreement. Now that will be similar to the one you had last year, which is basically to say that you are happy to stay on as a client for the next twelve months. So you will get that one emailed out through you. Obviously, have a read over it. Any questions, let us know. But, otherwise, if you wanna press sign when you get it, we'll get all those details back, and we can obviously keep servicing you in the meantime. Now I will, like I said, do some research on your investments as well and get all of that sorted. Now it could take maybe, like, two weeks or so for me to get all of that together. But as soon as I'm through, I will give you a call, run through the suggestions, and then you can let me know, you know, if you would like to go ahead with a change or not. Yep. Perfect. And I've also then tentatively locked in that Wednesday, the eighteenth, at 4PM to run through the the research and see if we can help your partner and put her in a better position as well. But we'll give you a call, and then we'll take her from there. Yep. No problem. Do you have any other questions for me or anything else? Yeah. Great. Perfect. Well, thank you so much for your time, and I look forward to speaking with you soon again. Thanks. 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afternoon. Is this Lindsay? Good afternoon. Is this Lindsay? This is Veronica from Oakview Financial.\n\nHow are you this afternoon? Oakview Financial. I was just giving you a quick call to see if I could get you booked in for your under review that's coming up or if now is a good time for you to run through that. Yeah. No.\n\nAre you happy to kind of run through that now, or is now not yeah. Yeah. Alright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nYep. Perfect. And just to confirm I am speaking with you with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yes. So if you so we are your advisers that yeah.\n\nYeah. Sorry. No. No. That's and that's totally good.\n\nYou are. I'm just saying I am a bit blocked in the nurse today, so I do do apologize if you couldn't hear me hear me very well. But yeah. No. It's just to kind of go through a bit of your interview to see, you know, what's changed in your life, if you need to make any changes to the advice, give you a bit of a rundown on, obviously, your super annual performance or what's happened, essentially.\n\nYeah. Now you said you're down in Sydney at the moment. Is that just for work? Or Yeah. Oh, yeah.\n\nPerfect. Well, I will try not to keep you for too long. Now just before I do go in to kind of run through a bit of a fact finding and see what's changed, is there anything specific that you are, you know, wanting me to address today or go over or just just a bit of an update, really? Yeah. Yeah.\n\nJust do you show? Alright. Perfect. Now bear with me as I go through some of your details here. Now I guess when it comes to your personal information, has any of that changed or, you know, still married with one financial dependent at home?\n\nYep. Perfect. Now I do have here next of kin Anne nominated. Is that still the case? Yep.\n\nPerfect. Yep. Perfect. No. That's okay.\n\nAnd do do does she have a contact number or anything that in the event that, you know, we cannot get in touch with you at all? Yeah. Yeah. That's okay. That's okay.\n\nHonestly, most people don't nowadays because you don't really have to. They don't have to memorize it anymore. Yep. Zero. Yep.\n\nOkay. Do you know how much she has roughly at the moment? I'm not sure. Okay. It's definitely something we can look at for her.\n\nWe do have other options, you know, especially if you have a a lower balance. So, obviously, we don't wanna make sure that fees are eroded. Is it something that she would be open to revisit, do you think? Yeah. Yeah.\n\nIt's up to you. I would be more than happy to do some more research for her and see if we can now help her and put her in a better position. You know, it obviously doesn't cost anything. It's just a free review. If it's something that, you know, she's she's happy to, I'd be more than happy to do that research for her.\n\nYeah. Yeah. No. That's okay. You are more than happy to do it.\n\nObviously, as long as, you know, she's on the phone with you, then that would be that would be perfect. When is typically because I can set up a bit of a call to do that, obviously, separate. When is, you know, typically a good time? Like, when will you be home? Okay.\n\nYep. Do you want me to book in something sensitively, or do you wanna, like yeah. Okay. Perfect. About 04:00?\n\nDo you think that would be? Yeah. Alright. Perfect. And that would obviously be Queensland time?\n\nYes. Alright. Perfect. That is Wednesday, the eighteenth, at 4PM. Now would you like us to give you a call, and then, obviously, she will be there or 45 5 5?\n\nYep. Yep. Yeah. Yep. Okay.\n\nPerfect. We'll schedule that in. We'll call your phone number. You know, if anything changes and you can't make it, you know, we can always just reshuffle it and see where we can do that for you. Yes.\n\nOh, okay. Well, yeah. Okay. Yeah. If if you can, that will be great.\n\nWe can obviously talk through that in the the process. But, yeah, definitely, we can, you know, have a look at that. There's, you know, options. And especially, it's always good as well when we are, you know, having couples because then we can help work with the two of you together because a lot of the time, you do have joint goals and stuff like that. And, you know, assist both of you.\n\nBut, yeah, I'll definitely get that locked in. Now, otherwise, your your kind of employment detail, has any of that changed or that's kind of all the same? Perfect. And I don't think we've spoken before. What is it that you do for work?\n\nOh, yeah. Oh, yeah. Do you like it? Yeah. Yeah.\n\nDo you what do you do? Three weeks. What would what's your roster typically like? Yeah. Oh, that's that's pretty good.\n\nAnd that's full time kind of with the roster, I guess? Yeah. Yeah. Perfect. Now I have done here last time we spoke to income was around 90,000.\n\nIs that still roughly the same? Yep. Perfect. Now do you get paid, like, overtime or bonuses and stuff, or it's generally kind of yep. Yep.\n\nPerfect. Oh, yeah. Nice. And your employer, do they just pay you that standard 12% contribution into super, or do you have any yeah. Perfect.\n\nYes. Yes. It is. Yeah. Most of them do do it quarterly.\n\nAnd you're not making any, you know, additional contributions, not just that of your employer. Perfect. And who's your employer as well? Just because I don't have that written down here. Davidson.\n\nPerfect. And you said you've kind of been doing that for about two and a half years, did you say? Yeah. Yeah. Okay.\n\nPerfect. At least you know each other well. Yep. Now with your, you know, expenses and savings and stuff like that, do you is that something you keep an eye on? Like, do you know roughly your total bills and expenses per year at all?\n\nYep. No. That's okay. Most people say, not really sure and tend to obviously savings tend to fluctuate obviously based on bills and expenses. Now with your assets, so I have here your main property that you live in was last valued at about 650,000.\n\nYep. So that would be roughly the same, do you reckon? Alright. Perfect. Oh, yeah.\n\nDo you want me to change it to 8 or, like, $7.50? Yes. Oh, yes. Yeah. Yeah.\n\nWell, a lot of property obviously have gone up crazy at the moment. So yeah. That's nice. And do you have a mortgage attached to that property? Yes.\n\nYes. And with the loan, do you have a combined loan for it, or do you have, like, your property and then okay. Yeah. And is that because you wanted to set up that certain way? Or mhmm.\n\nOkay. Yep. Yeah. Okay. Yep.\n\nSo just trying to sell. Yeah. Yeah. And do you have a good, like, mortgage broker and stuff that you guys typically deal with? Okay.\n\nMhmm. Would you be orphan we have a couple of lenders that we work very closely with. Okay. Okay. Okay.\n\nYep. If it does change, though, because sometimes, like, it doesn't doesn't hurt to check, just let me know because I can always get them to give you a call and run through it with you. Again, it obviously doesn't cost you anything if you want a bit of a review again on the mortgages and how things are. Yep. Yep.\n\nOkay. Yeah. Yeah. They like that. Okay.\n\nWell, just let me know, and I can always get them to give you a call whenever you're ready. But on the loan attached to your property, so the your the one that you live in, do you know roughly how much is on that one? Five. Okay. Perfect.\n\nYep. Now, obviously, with your other properties, which one is it that you guys are looking at selling? Do you know, or you haven't really decided? Perfect. And I had that valued at about $3.50 last time.\n\nOh, nice. Okay. Perfect. So about $5.50. Looking at selling that one.\n\nNow I do also have here Clifton, another property. You have that one as well? Oh, nice. I have Richlands as well. Oh, nice.\n\nAnd Blenheim? Alright. Perfect. I'll put it at about 400. And then there's, I think, one more coming out.\n\nI was like, I don't know how to pronounce that one. About $35,400 for that one as well? Yeah. Yeah. Alright.\n\nNice. Now, obviously, you said there's a couple of different loan structures combined. Do you know roughly, like, the total of the other ones? Like, how much Yep. Alright.\n\nPerfect. And that includes the 120 on your property? $4.07. Yeah. Yep.\n\nOkay. Perfect. Thank you so much. Now any other assets otherwise, any motor vehicles or boats or caravans? Pickup.\n\nYep. Caravan about 4. And if you were to kind of combine all the three motor vehicles, how much do you think that would be combined? About 8. Perfect.\n\nAnd anything owing on any of the cars or the caravan? No. Yeah. Great. Perfect.\n\nAny other, like, liabilities, personal loans, credit cards, SIP pay? Yep. Yep. Yep. Okay.\n\nPerfect. Anything else? Yep. Yep. Perfect.\n\nYep. Perfect. And that's also an yeah. Yep. Yep.\n\nIt's consolidated a little bit more. And that the other credit card, was that another 10, did you say, roughly? Yeah. Alright. Perfect.\n\nThank you so much for updating that. Now when it comes to your health and lifestyle, has any of that changed still a nonsmoker? Non smoker. Yep. And any any health issues or any new medications?\n\nAlright. Perfect. And do you have private health insurance? Alright. And when it comes to a estate planning, do you have a will in place?\n\nLike, a will in place for your assets or something? Yeah. Yeah. Perfect. Amazing.\n\nYep. Yep. Perfect. And do you know if you have a power of attorney nomination as part of when you guys got no. That's okay.\n\nYeah. Yeah. Yep. But you're okay. Yes.\n\nThat's meant to be. And you are not politically exposed to earning income overseas, are you? No. Perfect. Thank you very much.\n\nLet me see here. Now that was basically all of the personal details I need to run through with you. Now I guess kind of your other goals that you were working on, obviously, you're focusing on selling that one in property. You're trying to, you know, consolidate some of the debt and then maybe buy another one. Is there any other, you know, goals that you are working towards that you're wanting to achieve in the next, you know, couple of years or so?\n\nRetire? Yep. And we've yeah, it's 60 if you stop working. So at 60, if you stop working, you can access everything tax free. If you want to keep working, but you wanna access some of it, we can do that under a transition to retirement strategy.\n\nYeah. Beautiful. I wouldn't be opposed to that. Oh, nice. Yeah.\n\nSo that's kind of the plan is do you think when you turn 60, you might wanna do that? Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Perfect.\n\nLovely. And that's obviously so I guess through with that, I do wanna reassess maybe your risk profile, so your investments, just to make sure it's still appropriate because of the time frame. So you're looking at about, yeah, a couple of years, really, to potentially then take everything out. Now you would take it all as a lump sum if you could. Ideally, like, you wouldn't have, like, an income just.\n\nYep. Yep. Yep. Alright. Perfect.\n\nNow going back to your risk profile, so making sure that we have your money invested in appropriate time frame for you, I'm just gonna quickly go through a couple of questions just to determine if we have you in a correct allocation or if we wanna make any tweaks and changes. Now there are just multiple choice to make it nice and easy. And if if they don't make sense, let me know because some of them can be a little bit tricky. Now have you ever bought, like, direct shares or anything like that yourself before on the stock market? No.\n\nOkay. Yeah. We can always have a bit of a review of that for her if, you know, at the time she is wanting to do it. Alright. Perfect.\n\nAnd when it comes to taking on a bit of risk for your superannuation, are you in a position at the moment where you're wanting to take on, you know, a lot of risk or, like, a little bit of risk or bit of moderate risk? Or how would you kinda feel if you're Yep. Moderate? Perfect. And I guess if you saw your superannuation fell full in value by 20% after making a investment, kind of due to a general trends in the market.\n\nWould you wanna mainly hold, wait and see what happens, you know, invest a little bit more for potential growth, or kind of feel like you would wanna shift to a more secure asset. It's a hard one. I'm not sure it depends on yay. Yes. No.\n\nExactly. No. That's fine. And I guess, like, a a return that you will be happy with each year from your investments, would you kind of expect, you know, 8% and above or six to 8% or four to six or two to 4%? Only 6%.\n\nAlright. Perfect. So, yeah, basically, from this, you kind of have come out as, you know, your your balanced growth investor, which is the portfolio we currently have you in. But I do wanna kind of highlight the time frame. So part of, obviously, how you feel about fluctuations is making sure that we have an appropriate time frame.\n\nBecause of how the money is invested, we wanna make sure that when you wanna take it out in two years' time, you know, it's not gonna be a lot of fluctuations at the time. And at the time, it's it's down a little bit. So when we have a balanced growth, which is what you have at the moment, we typically see about 70% of the money invested in what we would call your growth asset. Now this would be your Australian shares or your international shares and your property as well, and that is what's going to give you the growth. And then you do have about 30% in our defensive assets.\n\nSo that will be, you know, your cash, your gold, your fixed interest. We're trying to limit fluctuation. Now, typically, with with that, we do wanna allow a minimum time frame of about five years for making sure that you have enough time in the market for those fluctuations. So, obviously, you wanting to access Uber a little bit sooner than that. I can look at one step down, which is our balanced portfolio.\n\nSo a balanced portfolio is you wanna you're still wanting to get some growth of your superannuation while you are working and you are contributing, but you want a bit more of that conservative element to your portfolio to limit fluctuations a little bit more. Because if you wanna access that in two years' time, we don't want it to be down heavily at the time. So the difference is about 10%. So you still have about 60% in those growth investments and focusing on that, and then about 40 in defensive. So about a 10% difference.\n\nAnd when we are looking at a time frame, we are looking more around your three year. So that will be a little bit more suitable from, you know, where you are currently at. Does that make sense? Yeah. Yep.\n\nYes. Okay. Yeah. Yeah. So what I can do what I can do for you, if you would like me to, is I can do a bit of a review on your super and your investments, see what the changes would be like if we look through, reduce it down to the balance growth for you.\n\nI can do kinda put together that research for you, run through it with you, and then you can let me know what your your thought is when you know, you know, what it's going to look like. Yep. You happy for me to do that? Yep. Perfect.\n\nAnd talking about your investments as well, so after the review today, in the next couple of days, you will also get an email, kind of your typical annual review pack email. So you will have a performance report and a bit of a summary of your superannuation, kind of what's obviously changed in the last twelve months. Now I did have a look at your super balance as of last year to kind of give you that comparison. Is that something you keep an eye on a lot? Okay.\n\nYou're you're pretty across. Yes. The the IP and security is yeah. Yeah. It's a bit yeah.\n\nYeah. It's a bit yeah. It's a bit it's a bit frustrating sometimes, especially with all their authentication apps as well sometimes. It drives me insane. Yes.\n\nExactly. Exactly. Now last year when you had your annual review with my colleague, Dana, your super balance was at around 212,074. And right now, it's at 252 at 304. So it's gone up.\n\nYeah. Yeah. So with the investments as well, I do wanna do a bit more of an kind of an in-depth review of them. Now overall, your portfolio has been pretty, you know, okay for where it's at, but there is one particular one that's kind of been underperforming a little bit, and that is your Benelung Australian equity. So that one is your your managed fund, and they've kind of been down, lately.\n\nThey had a bit of, one of the investments that they were interested in, they got suspended for trading because of reporting and stuff like that, which caused them to reevaluate it. So what I would like to do is specifically look at potentially removing that if it's, appropriate for you and then swapping swapping it out with something else that's doing a little bit because we still wanna make sure that in the next, you know, two to three or four years that we do wanna, you know, make sure your your money is growing. And if there is one of the investments we have you in at the moment that is not doing as well as we anticipated, then we do wanna look at changing that. So when I do look at, you know, reducing the risk profile, I'll specifically look at potentially changing that if if it's appropriate and look at your other investments as well just to make sure it's still doing good. But still, obviously, wanna make sure we would minimize, you know, if there's any tax or anything like that, because you do wanna take it up soon.\n\nSo that will be part of the document. So you'll have a bit of a performance report on your whole portfolio there for you. You will have that summary, and then you will also have an ongoing service agreement. Now that will be similar to the one you had last year, which is basically to say that you are happy to stay on as a client for the next twelve months. So you will get that one emailed out through you.\n\nObviously, have a read over it. Any questions, let us know. But, otherwise, if you wanna press sign when you get it, we'll get all those details back, and we can obviously keep servicing you in the meantime. Now I will, like I said, do some research on your investments as well and get all of that sorted. Now it could take maybe, like, two weeks or so for me to get all of that together.\n\nBut as soon as I'm through, I will give you a call, run through the suggestions, and then you can let me know, you know, if you would like to go ahead with a change or not. Yep. Perfect. And I've also then tentatively locked in that Wednesday, the eighteenth, at 4PM to run through the the research and see if we can help your partner and put her in a better position as well. But we'll give you a call, and then we'll take her from there.\n\nYep. No problem. Do you have any other questions for me or anything else? Yeah. Great.\n\nPerfect. Well, thank you so much for your time, and I look forward to speaking with you soon again. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":5.2799997,"end":5.92,"sentiment":"neutral","sentiment_score":0.23348113149404526},{"text":"Is this Lindsay?","start":5.92,"end":6.66,"sentiment":"neutral","sentiment_score":0.10714779794216156},{"text":"Good afternoon.","start":8.88,"end":9.599999,"sentiment":"neutral","sentiment_score":0.19940515607595444},{"text":"Is this Lindsay?","start":9.599999,"end":10.42,"sentiment":"neutral","sentiment_score":0.10358276963233948},{"text":"This is Veronica from Oakview Financial.","start":12.0,"end":14.0199995,"sentiment":"neutral","sentiment_score":0.19017602503299713}],"sentiment":"neutral","sentiment_score":0.16493877675384283,"num_words":16,"start":5.2799997,"end":14.0199995},{"sentences":[{"text":"How are you this afternoon?","start":14.08,"end":15.219999,"sentiment":"neutral","sentiment_score":0.24893923103809357},{"text":"Oakview Financial.","start":18.085,"end":19.064999,"sentiment":"neutral","sentiment_score":0.1151876263320446},{"text":"I was just giving you a quick call to see if I could get you booked in for your under review that's coming up or if now is a good time for you to run through that.","start":22.005,"end":31.5,"sentiment":"neutral","sentiment_score":0.1574913907695461},{"text":"Yeah.","start":36.78,"end":37.02,"sentiment":"neutral","sentiment_score":-0.11318565905094148},{"text":"No.","start":37.02,"end":37.34,"sentiment":"neutral","sentiment_score":-0.2045617997646332}],"sentiment":"neutral","sentiment_score":0.1518370740763519,"num_words":46,"start":14.08,"end":37.34},{"sentences":[{"text":"Are you happy to kind of run through that now, or is now not yeah.","start":37.34,"end":41.36,"sentiment":"neutral","sentiment_score":-0.10220538477102915},{"text":"Yeah.","start":41.58,"end":42.08,"sentiment":"neutral","sentiment_score":0.13014638423919678},{"text":"Alright.","start":42.22,"end":42.72,"sentiment":"neutral","sentiment_score":0.23263368010520935},{"text":"Perfect.","start":42.78,"end":43.28,"sentiment":"positive","sentiment_score":0.4195115566253662},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":44.165,"end":52.184998,"sentiment":"neutral","sentiment_score":0.08348494623937915}],"sentiment":"neutral","sentiment_score":0.03749477924132834,"num_words":49,"start":37.34,"end":52.184998},{"sentences":[{"text":"Yep.","start":53.204998,"end":53.605,"sentiment":"neutral","sentiment_score":0.14084719121456146},{"text":"Perfect.","start":53.605,"end":54.105,"sentiment":"positive","sentiment_score":0.3333790898323059},{"text":"And just to confirm I am speaking with you with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":54.165,"end":62.47,"sentiment":"neutral","sentiment_score":0.13490838197798566},{"text":"Yes.","start":68.21,"end":68.71,"sentiment":"neutral","sentiment_score":0.0045336512848734856},{"text":"So if you so we are your advisers that yeah.","start":73.744995,"end":78.005,"sentiment":"neutral","sentiment_score":0.012120469566434621}],"sentiment":"neutral","sentiment_score":0.1074358977466112,"num_words":42,"start":53.204998,"end":78.005},{"sentences":[{"text":"Yeah.","start":78.305,"end":78.805,"sentiment":"neutral","sentiment_score":-0.030417518690228466},{"text":"Sorry.","start":81.024994,"end":81.524994,"sentiment":"neutral","sentiment_score":-0.011247403919696808},{"text":"No.","start":83.585,"end":84.085,"sentiment":"neutral","sentiment_score":-0.004623629152774811},{"text":"No.","start":85.82,"end":86.060005,"sentiment":"neutral","sentiment_score":-0.008899815380573273},{"text":"That's and that's totally good.","start":86.060005,"end":87.420006,"sentiment":"neutral","sentiment_score":0.23663867115974427}],"sentiment":"neutral","sentiment_score":0.1253338876283831,"num_words":9,"start":78.305,"end":87.420006},{"sentences":[{"text":"You are.","start":87.420006,"end":87.58,"sentiment":"neutral","sentiment_score":0.04507601819932461},{"text":"I'm just saying I am a bit blocked in the nurse today, so I do do apologize if you couldn't hear me hear me very well.","start":87.58,"end":95.020004,"sentiment":"neutral","sentiment_score":-0.1934746503829956},{"text":"But yeah.","start":95.020004,"end":95.420006,"sentiment":"neutral","sentiment_score":-0.1005166471004486},{"text":"No.","start":95.420006,"end":95.58,"sentiment":"neutral","sentiment_score":-0.0949992910027504},{"text":"It's just to kind of go through a bit of your interview to see, you know, what's changed in your life, if you need to make any changes to the advice, give you a bit of a rundown on, obviously, your super annual performance or what's happened, essentially.","start":95.58,"end":107.495,"sentiment":"neutral","sentiment_score":-0.017178678885102272}],"sentiment":"neutral","sentiment_score":-0.07671896259807333,"num_words":79,"start":87.420006,"end":107.495},{"sentences":[{"text":"Yeah.","start":109.075,"end":109.575,"sentiment":"neutral","sentiment_score":-0.00012052245438098907},{"text":"Now you said you're down in Sydney at the moment.","start":109.715004,"end":111.555,"sentiment":"neutral","sentiment_score":-0.03156124129891395},{"text":"Is that just for work?","start":111.555,"end":112.995,"sentiment":"neutral","sentiment_score":-0.04486970379948616},{"text":"Or Yeah.","start":112.995,"end":117.17,"sentiment":"neutral","sentiment_score":0.025525121018290523},{"text":"Oh, yeah.","start":117.229996,"end":117.79,"sentiment":"neutral","sentiment_score":0.2326590120792389}],"sentiment":"neutral","sentiment_score":-0.0011856594122946263,"num_words":20,"start":109.075,"end":117.79},{"sentences":[{"text":"Perfect.","start":117.79,"end":118.19,"sentiment":"positive","sentiment_score":0.5854934453964233},{"text":"Well, I will try not to keep you for too long.","start":118.19,"end":120.77,"sentiment":"neutral","sentiment_score":0.08328954909335483},{"text":"Now just before I do go in to kind of run through a bit of a fact finding and see what's changed, is there anything specific that you are, you know, wanting me to address today or go over or just just a bit of an update, really?","start":121.07,"end":133.285,"sentiment":"neutral","sentiment_score":-0.013662154349731281},{"text":"Yeah.","start":134.225,"end":134.725,"sentiment":"neutral","sentiment_score":-0.14805299043655396},{"text":"Yeah.","start":138.545,"end":138.945,"sentiment":"neutral","sentiment_score":-0.07821081578731537}],"sentiment":"neutral","sentiment_score":0.009994052748586382,"num_words":62,"start":117.79,"end":138.945},{"sentences":[{"text":"Just do you show?","start":138.945,"end":140.085,"sentiment":"neutral","sentiment_score":-0.049949973821640015},{"text":"Alright.","start":140.43001,"end":140.91,"sentiment":"neutral","sentiment_score":0.06550541520118713},{"text":"Perfect.","start":140.91,"end":141.41,"sentiment":"neutral","sentiment_score":0.22658902406692505},{"text":"Now bear with me as I go through some of your details here.","start":142.27,"end":145.87,"sentiment":"neutral","sentiment_score":0.08749596316080827},{"text":"Now I guess when it comes to your personal information, has any of that changed or, you know, still married with one financial dependent at home?","start":145.87,"end":154.93001,"sentiment":"neutral","sentiment_score":-0.013110105091562638}],"sentiment":"neutral","sentiment_score":0.019752874059809578,"num_words":45,"start":138.945,"end":154.93001},{"sentences":[{"text":"Yep.","start":156.275,"end":156.775,"sentiment":"neutral","sentiment_score":0.11527727544307707},{"text":"Perfect.","start":156.83499,"end":157.33499,"sentiment":"neutral","sentiment_score":0.32049402594566345},{"text":"Now I do have here next of kin Anne nominated.","start":158.75499,"end":163.235,"sentiment":"neutral","sentiment_score":0.22551139146089555},{"text":"Is that still the case?","start":163.235,"end":164.53499,"sentiment":"neutral","sentiment_score":0.06132890582084656},{"text":"Yep.","start":164.67499,"end":165.075,"sentiment":"neutral","sentiment_score":0.04172272980213165}],"sentiment":"neutral","sentiment_score":0.16884735971689224,"num_words":18,"start":156.275,"end":165.075},{"sentences":[{"text":"Perfect.","start":165.075,"end":165.575,"sentiment":"neutral","sentiment_score":0.10212111473083496},{"text":"Yep.","start":165.795,"end":166.11499,"sentiment":"neutral","sentiment_score":0.08175357431173325},{"text":"Perfect.","start":166.11499,"end":166.61499,"sentiment":"neutral","sentiment_score":0.1534377634525299},{"text":"No.","start":168.76999,"end":169.01,"sentiment":"neutral","sentiment_score":-0.10519923269748688},{"text":"That's okay.","start":169.01,"end":169.75,"sentiment":"neutral","sentiment_score":-0.043547846376895905}],"sentiment":"neutral","sentiment_score":0.02416958784063657,"num_words":6,"start":165.075,"end":169.75},{"sentences":[{"text":"And do do does she have a contact number or anything that in the event that, you know, we cannot get in touch with you at all?","start":171.32999,"end":180.47,"sentiment":"neutral","sentiment_score":-0.055388990237757015},{"text":"Yeah.","start":182.30501,"end":182.80501,"sentiment":"neutral","sentiment_score":-0.035065993666648865},{"text":"Yeah.","start":184.785,"end":185.105,"sentiment":"neutral","sentiment_score":-0.07134298980236053},{"text":"That's okay.","start":185.105,"end":185.845,"sentiment":"neutral","sentiment_score":-0.09984786435961723},{"text":"That's okay.","start":187.825,"end":188.645,"sentiment":"neutral","sentiment_score":-0.04814407415688038}],"sentiment":"neutral","sentiment_score":-0.0575119877854983,"num_words":33,"start":171.32999,"end":188.645},{"sentences":[{"text":"Honestly, most people don't nowadays because you don't really have to.","start":189.345,"end":192.225,"sentiment":"neutral","sentiment_score":-0.1793319813229821},{"text":"They don't have to memorize it anymore.","start":192.225,"end":194.005,"sentiment":"neutral","sentiment_score":-0.1847295335360936},{"text":"Yep.","start":203.8,"end":204.3,"sentiment":"neutral","sentiment_score":-0.00215013581328094},{"text":"Zero.","start":206.535,"end":207.035,"sentiment":"neutral","sentiment_score":-0.0046660699881613255},{"text":"Yep.","start":207.975,"end":208.475,"sentiment":"neutral","sentiment_score":-0.004200754687190056}],"sentiment":"neutral","sentiment_score":-0.15603692808543287,"num_words":21,"start":189.345,"end":208.475},{"sentences":[{"text":"Okay.","start":213.895,"end":214.395,"sentiment":"neutral","sentiment_score":-0.09958379715681076},{"text":"Do you know how much she has roughly at the moment?","start":216.215,"end":219.255,"sentiment":"neutral","sentiment_score":-0.08957340771501715},{"text":"I'm not sure.","start":219.255,"end":220.315,"sentiment":"neutral","sentiment_score":-0.07874186833699544},{"text":"Okay.","start":222.72,"end":223.22,"sentiment":"neutral","sentiment_score":0.08830831199884415},{"text":"It's definitely something we can look at for her.","start":223.76001,"end":226.56,"sentiment":"neutral","sentiment_score":0.13713842133680978}],"sentiment":"neutral","sentiment_score":0.000057488679885864813,"num_words":25,"start":213.895,"end":226.56},{"sentences":[{"text":"We do have other options, you know, especially if you have a a lower balance.","start":226.56,"end":231.94,"sentiment":"neutral","sentiment_score":-0.005051675190528234},{"text":"So, obviously, we don't wanna make sure that fees are eroded.","start":232.16,"end":234.74,"sentiment":"neutral","sentiment_score":-0.19224489751187238},{"text":"Is it something that she would be open to revisit, do you think?","start":235.85501,"end":241.71501,"sentiment":"neutral","sentiment_score":0.04546108118330057},{"text":"Yeah.","start":250.83,"end":251.33,"sentiment":"neutral","sentiment_score":-0.06356881558895111},{"text":"Yeah.","start":252.75,"end":253.25,"sentiment":"neutral","sentiment_score":0.020071232691407204}],"sentiment":"neutral","sentiment_score":-0.04007250068300381,"num_words":41,"start":226.56,"end":253.25},{"sentences":[{"text":"It's up to you.","start":256.03,"end":256.59,"sentiment":"neutral","sentiment_score":0.1247182060033083},{"text":"I would be more than happy to do some more research for her and see if we can now help her and put her in a better position.","start":256.59,"end":261.89,"sentiment":"positive","sentiment_score":0.583508802311761},{"text":"You know, it obviously doesn't cost anything.","start":262.545,"end":264.065,"sentiment":"positive","sentiment_score":0.33580645280224936},{"text":"It's just a free 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home?","start":303.675,"end":305.135,"sentiment":"neutral","sentiment_score":0.036241876892745495},{"text":"Okay.","start":312.37,"end":312.77,"sentiment":"neutral","sentiment_score":0.08940379321575165}],"sentiment":"neutral","sentiment_score":0.15345582088350124,"num_words":53,"start":286.83002,"end":312.77},{"sentences":[{"text":"Yep.","start":312.77,"end":313.27,"sentiment":"neutral","sentiment_score":0.0929127186536789},{"text":"Do you want me to book in something sensitively, or do you wanna, like yeah.","start":313.57,"end":318.15,"sentiment":"neutral","sentiment_score":0.06811218410730362},{"text":"Okay.","start":320.20502,"end":320.70502,"sentiment":"neutral","sentiment_score":0.21329955756664276},{"text":"Perfect.","start":320.765,"end":321.265,"sentiment":"positive","sentiment_score":0.33513984084129333},{"text":"About 04:00?","start":322.845,"end":324.625,"sentiment":"neutral","sentiment_score":0.056689437478780746}],"sentiment":"neutral","sentiment_score":0.08882068768143654,"num_words":20,"start":312.77,"end":324.625},{"sentences":[{"text":"Do you think that would be?","start":324.685,"end":325.98502,"sentiment":"neutral","sentiment_score":0.08755790752669175},{"text":"Yeah.","start":326.045,"end":326.445,"sentiment":"neutral","sentiment_score":0.133800208568573},{"text":"Alright.","start":326.445,"end":326.845,"sentiment":"neutral","sentiment_score":0.3314014673233032},{"text":"Perfect.","start":326.845,"end":327.325,"sentiment":"positive","sentiment_score":0.6354759931564331},{"text":"And that would obviously be Queensland 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5?","start":335.44998,"end":341.47,"sentiment":"neutral","sentiment_score":0.08095036606703486}],"sentiment":"neutral","sentiment_score":0.11722121760249138,"num_words":31,"start":330.285,"end":341.47},{"sentences":[{"text":"Yep.","start":343.85,"end":344.35,"sentiment":"neutral","sentiment_score":0.053546514362096786},{"text":"Yep.","start":345.28998,"end":345.78998,"sentiment":"neutral","sentiment_score":0.023804213851690292},{"text":"Yeah.","start":348.665,"end":349.165,"sentiment":"neutral","sentiment_score":-0.0698070079088211},{"text":"Yep.","start":352.105,"end":352.605,"sentiment":"neutral","sentiment_score":0.008647046983242035},{"text":"Okay.","start":352.825,"end":353.305,"sentiment":"neutral","sentiment_score":0.11722686141729356}],"sentiment":"neutral","sentiment_score":0.026683525741100313,"num_words":5,"start":343.85,"end":353.305},{"sentences":[{"text":"Perfect.","start":353.305,"end":353.805,"sentiment":"positive","sentiment_score":0.3352402448654175},{"text":"We'll schedule that in.","start":354.58502,"end":355.785,"sentiment":"neutral","sentiment_score":0.2108139768242836},{"text":"We'll call your phone number.","start":355.785,"end":356.825,"sentiment":"neutral","sentiment_score":0.1370940774679184},{"text":"You know, if anything changes and you can't make it, you know, we can always just reshuffle it and see where we can do that for you.","start":356.825,"end":363.19,"sentiment":"neutral","sentiment_score":0.07694523671159038},{"text":"Yes.","start":366.93,"end":367.43,"sentiment":"neutral","sentiment_score":-0.00736132450401783}],"sentiment":"neutral","sentiment_score":0.10352964753187016,"num_words":38,"start":353.305,"end":367.43},{"sentences":[{"text":"Oh, okay.","start":370.93,"end":371.49,"sentiment":"neutral","sentiment_score":0.007815109100192785},{"text":"Well, yeah.","start":371.49,"end":373.405,"sentiment":"neutral","sentiment_score":0.02335867891088128},{"text":"Okay.","start":373.405,"end":373.805,"sentiment":"neutral","sentiment_score":0.08165957033634186},{"text":"Yeah.","start":373.805,"end":374.045,"sentiment":"neutral","sentiment_score":0.16999882459640503},{"text":"If if you can, that will be great.","start":374.045,"end":375.325,"sentiment":"positive","sentiment_score":0.3615648001432419}],"sentiment":"neutral","sentiment_score":0.2290374551500593,"num_words":14,"start":370.93,"end":375.325},{"sentences":[{"text":"We can obviously talk through that in the the process.","start":375.325,"end":378.845,"sentiment":"neutral","sentiment_score":0.12996792122721673},{"text":"But, yeah, definitely, we can, you know, have a look at that.","start":378.845,"end":381.165,"sentiment":"neutral","sentiment_score":0.13964410002032915},{"text":"There's, you know, 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it?","start":417.49,"end":418.55,"sentiment":"neutral","sentiment_score":0.2418104186654091},{"text":"Yeah.","start":419.56998,"end":420.06998,"sentiment":"neutral","sentiment_score":0.06744246184825897},{"text":"Yeah.","start":424.05,"end":424.55,"sentiment":"neutral","sentiment_score":0.10140436887741087}],"sentiment":"neutral","sentiment_score":0.10905529423616826,"num_words":10,"start":414.21,"end":424.55},{"sentences":[{"text":"Do you what do you do?","start":424.61,"end":425.99,"sentiment":"neutral","sentiment_score":0.02667834081997474},{"text":"Three weeks.","start":426.465,"end":427.105,"sentiment":"neutral","sentiment_score":0.008247723802924156},{"text":"What would what's your roster typically like?","start":427.105,"end":429.125,"sentiment":"neutral","sentiment_score":0.01868293115070888},{"text":"Yeah.","start":429.825,"end":430.325,"sentiment":"neutral","sentiment_score":0.057271458208560944},{"text":"Oh, that's that's pretty good.","start":432.065,"end":433.605,"sentiment":"positive","sentiment_score":0.48791986107826235}],"sentiment":"neutral","sentiment_score":0.13353413210383483,"num_words":21,"start":424.61,"end":433.605},{"sentences":[{"text":"And that's full time kind of with the roster, I guess?","start":435.665,"end":438.625,"sentiment":"neutral","sentiment_score":0.06482485156844962},{"text":"Yeah.","start":438.625,"end":438.945,"sentiment":"neutral","sentiment_score":0.055066291242837906},{"text":"Yeah.","start":438.945,"end":439.345,"sentiment":"neutral","sentiment_score":0.13832037150859833},{"text":"Perfect.","start":439.345,"end":439.845,"sentiment":"neutral","sentiment_score":0.31576603651046753},{"text":"Now I have done here last time we spoke to income was around 90,000.","start":441.07,"end":445.41,"sentiment":"neutral","sentiment_score":0.050333927518555095}],"sentiment":"neutral","sentiment_score":0.06881789470623646,"num_words":28,"start":435.665,"end":445.41},{"sentences":[{"text":"Is that still roughly the same?","start":445.79,"end":447.49,"sentiment":"neutral","sentiment_score":0.026029744806389015},{"text":"Yep.","start":448.03,"end":448.53,"sentiment":"neutral","sentiment_score":0.16078531742095947},{"text":"Perfect.","start":448.67,"end":449.17,"sentiment":"neutral","sentiment_score":0.3250068426132202},{"text":"Now do you get paid, like, overtime or bonuses and stuff, or it's generally kind of yep.","start":450.03,"end":457.985,"sentiment":"neutral","sentiment_score":0.14266553564983256},{"text":"Yep.","start":459.88498,"end":460.285,"sentiment":"neutral","sentiment_score":0.17816269397735596}],"sentiment":"neutral","sentiment_score":0.12482490111142397,"num_words":26,"start":445.79,"end":460.285},{"sentences":[{"text":"Perfect.","start":460.285,"end":460.785,"sentiment":"neutral","sentiment_score":0.31442397832870483},{"text":"Oh, yeah.","start":462.365,"end":462.845,"sentiment":"neutral","sentiment_score":0.13643291592597961},{"text":"Nice.","start":462.845,"end":463.345,"sentiment":"neutral","sentiment_score":0.25722432136535645},{"text":"And your employer, do they just pay you that standard 12% contribution into super, or do you have any yeah.","start":464.76498,"end":472.75,"sentiment":"neutral","sentiment_score":0.055964880529791115},{"text":"Perfect.","start":472.88998,"end":473.38998,"sentiment":"neutral","sentiment_score":0.27256864309310913}],"sentiment":"neutral","sentiment_score":0.08945521540939808,"num_words":25,"start":460.285,"end":473.38998},{"sentences":[{"text":"Yes.","start":474.97,"end":475.47,"sentiment":"neutral","sentiment_score":0.06524807214736938},{"text":"Yes.","start":475.53,"end":475.85,"sentiment":"neutral","sentiment_score":0.06634984910488129},{"text":"It 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yeah.","start":550.58,"end":550.98004,"sentiment":"neutral","sentiment_score":0.018105756025761366}],"sentiment":"neutral","sentiment_score":0.10048393253237009,"num_words":15,"start":543.42505,"end":550.98004},{"sentences":[{"text":"Do you want me to change it to 8 or, like, $7.50?","start":550.98004,"end":553.96,"sentiment":"neutral","sentiment_score":-0.009770390228368342},{"text":"Yes.","start":554.10004,"end":554.60004,"sentiment":"neutral","sentiment_score":0.035763002932071686},{"text":"Oh, yes.","start":556.26,"end":557.0,"sentiment":"neutral","sentiment_score":0.03107500821352005},{"text":"Yeah.","start":558.67505,"end":559.17505,"sentiment":"neutral","sentiment_score":-0.060693904757499695},{"text":"Yeah.","start":561.875,"end":562.275,"sentiment":"neutral","sentiment_score":-0.024443019181489944}],"sentiment":"neutral","sentiment_score":-0.006145211018841057,"num_words":17,"start":550.98004,"end":562.275},{"sentences":[{"text":"Well, a lot of property obviously have gone up 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sell.","start":624.515,"end":625.815,"sentiment":"neutral","sentiment_score":0.048957377672195435},{"text":"Yeah.","start":626.03503,"end":626.53503,"sentiment":"neutral","sentiment_score":0.1539205014705658},{"text":"Yeah.","start":631.37,"end":631.76996,"sentiment":"neutral","sentiment_score":0.1068863570690155},{"text":"And do you have a good, like, mortgage broker and stuff that you guys typically deal with?","start":631.76996,"end":636.19,"sentiment":"neutral","sentiment_score":0.07870420068502426},{"text":"Okay.","start":639.225,"end":639.725,"sentiment":"neutral","sentiment_score":-0.07861076295375824}],"sentiment":"neutral","sentiment_score":0.0705981758236885,"num_words":25,"start":624.515,"end":639.725},{"sentences":[{"text":"Mhmm.","start":643.385,"end":643.885,"sentiment":"neutral","sentiment_score":-0.13465531170368197},{"text":"Would you be orphan we have a couple of lenders that we work very closely with.","start":644.505,"end":650.045,"sentiment":"neutral","sentiment_score":-0.2426667269319296},{"text":"Okay.","start":658.95996,"end":659.44,"sentiment":"neutral","sentiment_score":-0.1445772647857666},{"text":"Okay.","start":659.44,"end":659.94,"sentiment":"neutral","sentiment_score":-0.15891548991203308},{"text":"Okay.","start":662.72,"end":663.22,"sentiment":"neutral","sentiment_score":-0.0007917564362287521}],"sentiment":"neutral","sentiment_score":-0.2160803726874292,"num_words":20,"start":643.385,"end":663.22},{"sentences":[{"text":"Yep.","start":664.175,"end":664.675,"sentiment":"neutral","sentiment_score":0.0775984451174736},{"text":"If it does change, though, because sometimes, like, it doesn't doesn't hurt to check, just let me know because I can always get them to give you a call and run through it with you.","start":665.695,"end":675.795,"sentiment":"neutral","sentiment_score":0.1259196006825992},{"text":"Again, it obviously doesn't cost you anything if you want a bit of a review again on the mortgages and how things are.","start":676.82,"end":683.4,"sentiment":"neutral","sentiment_score":0.06008445131389991},{"text":"Yep.","start":684.98004,"end":685.48004,"sentiment":"neutral","sentiment_score":0.10377892106771468},{"text":"Yep.","start":686.58,"end":687.08,"sentiment":"neutral","sentiment_score":0.07453182339668274}],"sentiment":"neutral","sentiment_score":0.09909897694577936,"num_words":61,"start":664.175,"end":687.08},{"sentences":[{"text":"Okay.","start":689.39496,"end":689.89496,"sentiment":"neutral","sentiment_score":0.04851044714450836},{"text":"Yeah.","start":691.39496,"end":691.89496,"sentiment":"neutral","sentiment_score":-0.06209947168827057},{"text":"Yeah.","start":693.39496,"end":693.89496,"sentiment":"neutral","sentiment_score":-0.022793063893914223},{"text":"They like that.","start":694.355,"end":695.15497,"sentiment":"neutral","sentiment_score":-0.06100438659389814},{"text":"Okay.","start":695.15497,"end":695.555,"sentiment":"neutral","sentiment_score":0.06433308124542236}],"sentiment":"neutral","sentiment_score":-0.022151738139135495,"num_words":7,"start":689.39496,"end":695.555},{"sentences":[{"text":"Well, just let me know, and I can always get them to give you a call whenever you're ready.","start":695.555,"end":698.77496,"sentiment":"neutral","sentiment_score":0.16324524503005178},{"text":"But on the loan attached to your property, so the your the one that you live in, do you know roughly how much is on that one?","start":700.93,"end":707.91,"sentiment":"neutral","sentiment_score":0.013677664790992384},{"text":"Five.","start":710.05,"end":710.55,"sentiment":"neutral","sentiment_score":0.01606670394539833},{"text":"Okay.","start":712.465,"end":712.865,"sentiment":"neutral","sentiment_score":0.3128114938735962},{"text":"Perfect.","start":712.865,"end":713.365,"sentiment":"positive","sentiment_score":0.6827548742294312}],"sentiment":"neutral","sentiment_score":0.0914814219791062,"num_words":49,"start":695.555,"end":713.365},{"sentences":[{"text":"Yep.","start":713.505,"end":714.005,"sentiment":"neutral","sentiment_score":0.25265640020370483},{"text":"Now, obviously, with your other properties, which one is it that you guys are looking at selling?","start":714.705,"end":718.385,"sentiment":"neutral","sentiment_score":0.02867927051642362},{"text":"Do you know, or you haven't really decided?","start":718.385,"end":720.565,"sentiment":"neutral","sentiment_score":-0.012139749072957784},{"text":"Perfect.","start":722.625,"end":723.025,"sentiment":"neutral","sentiment_score":0.29168882966041565},{"text":"And I had that valued at about $3.50 last time.","start":723.025,"end":729.35,"sentiment":"neutral","sentiment_score":0.044288408011198044}],"sentiment":"neutral","sentiment_score":0.03723402476139568,"num_words":37,"start":713.505,"end":729.35},{"sentences":[{"text":"Oh, nice.","start":729.35,"end":729.91,"sentiment":"neutral","sentiment_score":0.2198001816868782},{"text":"Okay.","start":729.91,"end":730.31,"sentiment":"neutral","sentiment_score":0.15307354927062988},{"text":"Perfect.","start":730.31,"end":730.71,"sentiment":"neutral","sentiment_score":0.2810835838317871},{"text":"So about $5.50.","start":730.71,"end":732.01,"sentiment":"neutral","sentiment_score":0.06796504184603691},{"text":"Looking at selling that one.","start":732.23,"end":733.93,"sentiment":"neutral","sentiment_score":0.05609229654073715}],"sentiment":"neutral","sentiment_score":0.11317617539316416,"num_words":12,"start":729.35,"end":733.93},{"sentences":[{"text":"Now I do also have here Clifton, another property.","start":735.35,"end":739.52997,"sentiment":"neutral","sentiment_score":0.052955166747172676},{"text":"You have that one as well?","start":740.415,"end":741.795,"sentiment":"neutral","sentiment_score":0.0263919389496247},{"text":"Oh, nice.","start":743.375,"end":744.115,"sentiment":"neutral","sentiment_score":0.17123091220855713},{"text":"I have Richlands as well.","start":746.095,"end":747.875,"sentiment":"neutral","sentiment_score":0.10209185779094695},{"text":"Oh, nice.","start":751.935,"end":752.675,"sentiment":"neutral","sentiment_score":0.10807350650429726}],"sentiment":"neutral","sentiment_score":0.07100067753344774,"num_words":24,"start":735.35,"end":752.675},{"sentences":[{"text":"And Blenheim?","start":753.27,"end":756.73004,"sentiment":"neutral","sentiment_score":0.03118925355374813},{"text":"Alright.","start":762.15,"end":762.39,"sentiment":"neutral","sentiment_score":0.16650700569152832},{"text":"Perfect.","start":762.39,"end":762.79004,"sentiment":"neutral","sentiment_score":0.2902994155883789},{"text":"I'll put it at about 400.","start":762.79004,"end":764.49,"sentiment":"neutral","sentiment_score":0.13810147220889726},{"text":"And then there's, I think, one more coming out.","start":766.08496,"end":771.38495,"sentiment":"neutral","sentiment_score":0.04554081211487452}],"sentiment":"neutral","sentiment_score":0.09250847740392935,"num_words":19,"start":753.27,"end":771.38495},{"sentences":[{"text":"I was like, I don't know how to pronounce that one.","start":771.52496,"end":773.865,"sentiment":"neutral","sentiment_score":-0.0005500572310252624},{"text":"About $35,400 for that one as 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how much Yep.","start":787.95,"end":790.05,"sentiment":"neutral","sentiment_score":0.011094632791355252},{"text":"Alright.","start":790.26996,"end":790.67,"sentiment":"neutral","sentiment_score":0.11629977822303772}],"sentiment":"neutral","sentiment_score":0.017457531524244053,"num_words":29,"start":779.95,"end":790.67},{"sentences":[{"text":"Perfect.","start":790.67,"end":791.17,"sentiment":"neutral","sentiment_score":0.1924380213022232},{"text":"And that includes the 120 on your property?","start":791.55,"end":794.755,"sentiment":"neutral","sentiment_score":0.07710944395512342},{"text":"$4.07.","start":795.295,"end":796.195,"sentiment":"neutral","sentiment_score":0.027940815314650536},{"text":"Yeah.","start":796.735,"end":797.235,"sentiment":"neutral","sentiment_score":0.033854249864816666},{"text":"Yep.","start":799.055,"end":799.45496,"sentiment":"neutral","sentiment_score":0.06510497629642487}],"sentiment":"neutral","sentiment_score":0.0780178012015919,"num_words":12,"start":790.67,"end":799.45496},{"sentences":[{"text":"Okay.","start":799.45496,"end":799.77496,"sentiment":"neutral","sentiment_score":0.16721725463867188},{"text":"Perfect.","start":799.77496,"end":800.255,"sentiment":"positive","sentiment_score":0.3948558568954468},{"text":"Thank you so much.","start":800.255,"end":801.39496,"sentiment":"positive","sentiment_score":0.5030108690261841},{"text":"Now any other assets otherwise, any motor vehicles or boats or caravans?","start":802.015,"end":807.075,"sentiment":"neutral","sentiment_score":0.05228241253644228},{"text":"Pickup.","start":810.13,"end":810.63,"sentiment":"neutral","sentiment_score":0.021896779537200928}],"sentiment":"neutral","sentiment_score":0.16965275355859807,"num_words":19,"start":799.45496,"end":810.63},{"sentences":[{"text":"Yep.","start":810.85,"end":811.35,"sentiment":"neutral","sentiment_score":0.03408653289079666},{"text":"Caravan about 4.","start":817.57,"end":818.93,"sentiment":"neutral","sentiment_score":0.019845624764760334},{"text":"And if you were to kind of combine all the three motor vehicles, how much do you think that would be combined?","start":818.93,"end":825.125,"sentiment":"neutral","sentiment_score":0.02596373635936867},{"text":"About 8.","start":827.425,"end":827.985,"sentiment":"neutral","sentiment_score":0.04951933212578297},{"text":"Perfect.","start":827.985,"end":828.485,"sentiment":"neutral","sentiment_score":0.1750589907169342}],"sentiment":"neutral","sentiment_score":0.03237666420895478,"num_words":29,"start":810.85,"end":828.485},{"sentences":[{"text":"And anything owing on any of the cars or the 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yeah.","start":865.77,"end":867.15,"sentiment":"neutral","sentiment_score":0.056054160743951795},{"text":"Yep.","start":870.02496,"end":870.345,"sentiment":"neutral","sentiment_score":0.033638082444667816},{"text":"Yep.","start":870.345,"end":870.505,"sentiment":"neutral","sentiment_score":0.0340389683842659}],"sentiment":"neutral","sentiment_score":0.08597176397840182,"num_words":9,"start":865.05005,"end":870.505},{"sentences":[{"text":"It's consolidated a little bit more.","start":870.505,"end":872.605,"sentiment":"neutral","sentiment_score":0.04455354188879331},{"text":"And that the other credit card, was that another 10, did you say, roughly?","start":873.545,"end":877.64496,"sentiment":"neutral","sentiment_score":0.011115252505987883},{"text":"Yeah.","start":878.505,"end":879.005,"sentiment":"neutral","sentiment_score":0.05521444231271744},{"text":"Alright.","start":879.38495,"end":879.865,"sentiment":"neutral","sentiment_score":0.15573661029338837},{"text":"Perfect.","start":879.865,"end":880.365,"sentiment":"positive","sentiment_score":0.38619980216026306}],"sentiment":"neutral","sentiment_score":0.044351549616650394,"num_words":23,"start":870.505,"end":880.365},{"sentences":[{"text":"Thank you so much for updating that.","start":881.45,"end":883.23004,"sentiment":"positive","sentiment_score":0.5470679998397827},{"text":"Now when it comes to your health and lifestyle, has any of that changed still a nonsmoker?","start":884.17004,"end":889.71,"sentiment":"neutral","sentiment_score":-0.0001133941113948824},{"text":"Non smoker.","start":892.81,"end":893.55,"sentiment":"neutral","sentiment_score":-0.05601778253912926},{"text":"Yep.","start":894.01,"end":894.51,"sentiment":"neutral","sentiment_score":-0.013362960889935492},{"text":"And any any health issues or any new medications?","start":897.565,"end":901.185,"sentiment":"neutral","sentiment_score":-0.017278434398273628}],"sentiment":"neutral","sentiment_score":0.09851788509533638,"num_words":36,"start":881.45,"end":901.185},{"sentences":[{"text":"Alright.","start":901.565,"end":902.04504,"sentiment":"neutral","sentiment_score":0.0022242586128413677},{"text":"Perfect.","start":902.04504,"end":902.54504,"sentiment":"neutral","sentiment_score":0.07257714867591858},{"text":"And do you have private health insurance?","start":903.565,"end":905.185,"sentiment":"neutral","sentiment_score":0.0015947125586015837},{"text":"Alright.","start":906.445,"end":906.945,"sentiment":"neutral","sentiment_score":0.0043780067935585976},{"text":"And when it comes to a estate planning, do you have a will in place?","start":908.205,"end":912.63,"sentiment":"neutral","sentiment_score":-0.026754899633427462}],"sentiment":"neutral","sentiment_score":-0.012439243700355292,"num_words":25,"start":901.565,"end":912.63},{"sentences":[{"text":"Like, a will in place for your assets or 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do you know if you have a power of attorney nomination as part of when you guys got no.","start":926.24506,"end":931.525,"sentiment":"neutral","sentiment_score":-0.005541449226438998},{"text":"That's okay.","start":931.525,"end":932.265,"sentiment":"neutral","sentiment_score":-0.010740445926785469}],"sentiment":"neutral","sentiment_score":0.011332622468471528,"num_words":25,"start":923.28503,"end":932.265},{"sentences":[{"text":"Yeah.","start":935.86,"end":936.36,"sentiment":"neutral","sentiment_score":-0.04199393838644028},{"text":"Yeah.","start":936.98,"end":937.48,"sentiment":"neutral","sentiment_score":-0.03113969974219799},{"text":"Yep.","start":940.66,"end":941.16,"sentiment":"neutral","sentiment_score":-0.000612610368989408},{"text":"But you're 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that?","start":1019.12,"end":1023.3,"sentiment":"neutral","sentiment_score":0.022163107599082747},{"text":"Yep.","start":1024.575,"end":1025.075,"sentiment":"neutral","sentiment_score":0.0709967315196991},{"text":"Yep.","start":1025.615,"end":1026.115,"sentiment":"neutral","sentiment_score":0.042309314012527466},{"text":"Yep.","start":1029.615,"end":1030.115,"sentiment":"neutral","sentiment_score":0.05432929843664169},{"text":"Yep.","start":1036.35,"end":1036.75,"sentiment":"neutral","sentiment_score":0.060623642057180405}],"sentiment":"neutral","sentiment_score":0.02823295784385308,"num_words":23,"start":1019.12,"end":1036.75},{"sentences":[{"text":"Yep.","start":1036.75,"end":1037.15,"sentiment":"neutral","sentiment_score":0.05702000856399536},{"text":"Yep.","start":1037.15,"end":1037.65,"sentiment":"neutral","sentiment_score":0.050146907567977905},{"text":"Yep.","start":1043.23,"end":1043.47,"sentiment":"neutral","sentiment_score":0.06798846274614334},{"text":"Yep.","start":1043.47,"end":1043.95,"sentiment":"neutral","sentiment_score":0.10560041666030884},{"text":"Perfect.","start":1043.95,"end":1044.45,"sentiment":"positive","sentiment_score":0.3615541458129883}],"sentiment":"neutral","sentiment_score":0.12846198827028274,"num_words":5,"start":1036.75,"end":1044.45},{"sentences":[{"text":"Lovely.","start":1045.07,"end":1045.57,"sentiment":"neutral","sentiment_score":0.05409525707364082},{"text":"And that's obviously so I guess through with that, I do wanna reassess maybe your risk profile, so your investments, just to make sure it's still appropriate because of the time frame.","start":1047.23,"end":1059.225,"sentiment":"neutral","sentiment_score":-0.014986039604991674},{"text":"So you're looking at about, yeah, a couple of years, really, to potentially then take everything out.","start":1061.285,"end":1067.64,"sentiment":"neutral","sentiment_score":0.03859784519847702},{"text":"Now you would take it all as a lump sum if you could.","start":1068.26,"end":1070.9801,"sentiment":"neutral","sentiment_score":0.12223648566466111},{"text":"Ideally, like, you wouldn't have, like, an income just.","start":1070.9801,"end":1073.4,"sentiment":"neutral","sentiment_score":0.06272533122036192}],"sentiment":"neutral","sentiment_score":0.033115384065442614,"num_words":72,"start":1045.07,"end":1073.4},{"sentences":[{"text":"Yep.","start":1077.395,"end":1077.895,"sentiment":"neutral","sentiment_score":0.11487632989883424},{"text":"Yep.","start":1079.875,"end":1080.375,"sentiment":"neutral","sentiment_score":0.10552983731031418},{"text":"Yep.","start":1081.795,"end":1082.295,"sentiment":"neutral","sentiment_score":0.1366669088602066},{"text":"Alright.","start":1082.435,"end":1082.915,"sentiment":"positive","sentiment_score":0.5481036305427551},{"text":"Perfect.","start":1082.915,"end":1083.415,"sentiment":"positive","sentiment_score":0.723824143409729}],"sentiment":"neutral","sentiment_score":0.32580017000436784,"num_words":5,"start":1077.395,"end":1083.415},{"sentences":[{"text":"Now going back to your risk profile, so making sure that we have your money invested in appropriate time frame for you, I'm just gonna quickly go through a couple of questions just to determine if we have you in a correct allocation or if we wanna make any tweaks and changes.","start":1084.675,"end":1102.52,"sentiment":"neutral","sentiment_score":0.17180798424837682},{"text":"Now there are just multiple choice to make it nice and easy.","start":1102.875,"end":1105.775,"sentiment":"positive","sentiment_score":0.3481419862558444},{"text":"And if if they don't make sense, let me know because some of them can be a little bit tricky.","start":1106.715,"end":1111.375,"sentiment":"neutral","sentiment_score":-0.11198586300015449},{"text":"Now have you ever bought, like, direct shares or anything like that yourself before on the stock market?","start":1113.835,"end":1120.5,"sentiment":"neutral","sentiment_score":-0.002761400097774135},{"text":"No.","start":1120.64,"end":1121.14,"sentiment":"neutral","sentiment_score":-0.0944196879863739}],"sentiment":"neutral","sentiment_score":0.10415414433239155,"num_words":103,"start":1084.675,"end":1121.14},{"sentences":[{"text":"Okay.","start":1125.92,"end":1126.32,"sentiment":"neutral","sentiment_score":0.04969704896211624},{"text":"Yeah.","start":1126.32,"end":1126.64,"sentiment":"neutral","sentiment_score":0.0745445191860199},{"text":"We can always have a bit of a review of that for her if, you know, at the time she is wanting to do it.","start":1126.64,"end":1132.515,"sentiment":"neutral","sentiment_score":0.10304628476500512},{"text":"Alright.","start":1132.515,"end":1132.995,"sentiment":"positive","sentiment_score":0.43939369916915894},{"text":"Perfect.","start":1132.995,"end":1133.495,"sentiment":"positive","sentiment_score":0.5594317317008972}],"sentiment":"neutral","sentiment_score":0.12755945234976965,"num_words":29,"start":1125.92,"end":1133.495},{"sentences":[{"text":"And when it comes to taking on a bit of risk for your superannuation, are you in a position at the moment where you're wanting to take on, you know, a lot of risk or, like, a little bit of risk or bit of moderate risk?","start":1134.9149,"end":1147.48,"sentiment":"neutral","sentiment_score":0.0016561780205887296},{"text":"Or how would you kinda feel if you're Yep.","start":1147.48,"end":1150.62,"sentiment":"neutral","sentiment_score":-0.02458418533205986},{"text":"Moderate?","start":1151.24,"end":1151.74,"sentiment":"neutral","sentiment_score":0.14193180203437805},{"text":"Perfect.","start":1152.12,"end":1152.62,"sentiment":"neutral","sentiment_score":-0.007956217974424362},{"text":"And I guess if you saw your superannuation fell full in value by 20% after making a investment, kind of due to a general trends in the market.","start":1154.2,"end":1165.2949,"sentiment":"neutral","sentiment_score":-0.30796500934021814}],"sentiment":"neutral","sentiment_score":-0.10157786066479543,"num_words":85,"start":1134.9149,"end":1165.2949},{"sentences":[{"text":"Would you wanna mainly hold, wait and see what happens, you know, invest a little bit more for potential growth, or kind of feel like you would wanna shift to a more secure asset.","start":1165.2949,"end":1177.52,"sentiment":"neutral","sentiment_score":-0.15444359402446187},{"text":"It's a hard one.","start":1179.74,"end":1180.8,"sentiment":"negative","sentiment_score":-0.43391576409339905},{"text":"I'm not sure it depends on yay.","start":1182.3,"end":1184.7201,"sentiment":"neutral","sentiment_score":-0.2518544409956251},{"text":"Yes.","start":1186.635,"end":1187.115,"sentiment":"neutral","sentiment_score":-0.04641637206077576},{"text":"No.","start":1187.115,"end":1187.5951,"sentiment":"neutral","sentiment_score":-0.1095842868089676}],"sentiment":"neutral","sentiment_score":-0.18948355317115784,"num_words":47,"start":1165.2949,"end":1187.5951},{"sentences":[{"text":"Exactly.","start":1187.5951,"end":1188.0951,"sentiment":"neutral","sentiment_score":-0.011679830960929394},{"text":"No.","start":1188.395,"end":1188.555,"sentiment":"neutral","sentiment_score":-0.15833823382854462},{"text":"That's fine.","start":1188.555,"end":1189.4551,"sentiment":"neutral","sentiment_score":0.0662563294172287},{"text":"And I guess, like, a a return that you will be happy with each year from your investments, would you kind of expect, you know, 8% and above or six to 8% or four to six or two to 4%?","start":1191.435,"end":1205.69,"sentiment":"neutral","sentiment_score":0.11606838256120681},{"text":"Only 6%.","start":1208.23,"end":1209.19,"sentiment":"neutral","sentiment_score":-0.03351718123303726}],"sentiment":"neutral","sentiment_score":0.09865642465276482,"num_words":46,"start":1187.5951,"end":1209.19},{"sentences":[{"text":"Alright.","start":1209.19,"end":1209.6699,"sentiment":"neutral","sentiment_score":0.3256109654903412},{"text":"Perfect.","start":1209.6699,"end":1210.1699,"sentiment":"positive","sentiment_score":0.5218007564544678},{"text":"So, yeah, basically, from this, you kind of have come out as, you know, your your balanced growth investor, which is the portfolio we currently have you in.","start":1211.595,"end":1220.655,"sentiment":"neutral","sentiment_score":0.2566792273095676},{"text":"But I do wanna kind of highlight the time frame.","start":1221.275,"end":1224.3151,"sentiment":"neutral","sentiment_score":0.0695852842181921},{"text":"So part of, obviously, how you feel about fluctuations is making sure that we have an appropriate time frame.","start":1224.3151,"end":1231.03,"sentiment":"neutral","sentiment_score":0.00025330013350436563}],"sentiment":"neutral","sentiment_score":0.14805246832764754,"num_words":59,"start":1209.19,"end":1231.03},{"sentences":[{"text":"Because of how the money is invested, we wanna make sure that when you wanna take it out in two years' time, you know, it's not gonna be a lot of fluctuations at the time.","start":1231.3301,"end":1240.215,"sentiment":"neutral","sentiment_score":-0.01882861363036292},{"text":"And at the time, it's it's down a little bit.","start":1240.215,"end":1242.715,"sentiment":"neutral","sentiment_score":-0.1901598960161209},{"text":"So when we have a balanced growth, which is what you have at the moment, we typically see about 70% of the money invested in what we would call your growth asset.","start":1243.095,"end":1254.075,"sentiment":"neutral","sentiment_score":0.12592812138609588},{"text":"Now this would be your Australian shares or your international shares and your property as well, and that is what's going to give you the growth.","start":1254.63,"end":1263.13,"sentiment":"neutral","sentiment_score":0.20077884340515503},{"text":"And then you do have about 30% in our defensive assets.","start":1263.1901,"end":1267.53,"sentiment":"neutral","sentiment_score":0.14859477904709903}],"sentiment":"neutral","sentiment_score":0.07301659601037963,"num_words":114,"start":1231.3301,"end":1267.53},{"sentences":[{"text":"So that will be, you know, your cash, your gold, your fixed interest.","start":1267.865,"end":1270.905,"sentiment":"neutral","sentiment_score":0.1456733334522981},{"text":"We're trying to limit fluctuation.","start":1270.905,"end":1272.4451,"sentiment":"neutral","sentiment_score":0.03475878611207008},{"text":"Now, typically, with with that, we do wanna allow a minimum time frame of about five years for making sure that you have enough time in the market for those fluctuations.","start":1273.9451,"end":1283.97,"sentiment":"neutral","sentiment_score":0.10315131364510424},{"text":"So, obviously, you wanting to access Uber a little bit sooner than that.","start":1284.9099,"end":1289.01,"sentiment":"neutral","sentiment_score":0.031489935058813825},{"text":"I can look at one step down, which is our balanced portfolio.","start":1289.63,"end":1293.97,"sentiment":"neutral","sentiment_score":0.044437654316425323}],"sentiment":"neutral","sentiment_score":0.08388998643243434,"num_words":74,"start":1267.865,"end":1293.97},{"sentences":[{"text":"So a balanced portfolio is you wanna you're still wanting to get some growth of your superannuation while you are working and you are contributing, but you want a bit more of that conservative element to your portfolio to limit fluctuations a little bit more.","start":1294.885,"end":1310.345,"sentiment":"neutral","sentiment_score":0.10987163227465417},{"text":"Because if you wanna access that in two years' time, we don't want it to be down heavily at the time.","start":1310.45,"end":1316.15,"sentiment":"neutral","sentiment_score":-0.0043867311129967375},{"text":"So the difference is about 10%.","start":1316.77,"end":1319.75,"sentiment":"neutral","sentiment_score":0.12258571262160937},{"text":"So you still have about 60% in those growth investments and focusing on that, and then about 40 in defensive.","start":1319.97,"end":1327.1849,"sentiment":"neutral","sentiment_score":0.1427688080817461},{"text":"So about a 10% difference.","start":1328.0449,"end":1330.385,"sentiment":"neutral","sentiment_score":0.09667128473520278}],"sentiment":"neutral","sentiment_score":0.09202421608275359,"num_words":97,"start":1294.885,"end":1330.385},{"sentences":[{"text":"And when we are looking at a time frame, we are looking more around your three year.","start":1330.445,"end":1335.745,"sentiment":"neutral","sentiment_score":0.05561045864049126},{"text":"So that will be a little bit more suitable from, you know, where you are currently at.","start":1335.8049,"end":1340.225,"sentiment":"neutral","sentiment_score":0.015860706786899006},{"text":"Does that make sense?","start":1341.38,"end":1342.76,"sentiment":"neutral","sentiment_score":0.13571451604366302},{"text":"Yeah.","start":1344.5,"end":1345.0,"sentiment":"neutral","sentiment_score":0.03446892648935318},{"text":"Yep.","start":1352.5,"end":1353.0,"sentiment":"neutral","sentiment_score":0.01577816717326641}],"sentiment":"neutral","sentiment_score":0.045202874252572654,"num_words":40,"start":1330.445,"end":1353.0},{"sentences":[{"text":"Yes.","start":1355.755,"end":1356.255,"sentiment":"neutral","sentiment_score":-0.0013062749058008194},{"text":"Okay.","start":1363.355,"end":1363.675,"sentiment":"neutral","sentiment_score":-0.014528175815939903},{"text":"Yeah.","start":1363.675,"end":1364.175,"sentiment":"neutral","sentiment_score":-0.0034858640283346176},{"text":"Yeah.","start":1364.635,"end":1365.135,"sentiment":"neutral","sentiment_score":0.03517697751522064},{"text":"So what I can do what I can do for you, if you would like me to, is I can do a bit of a review on your super and your investments, see what the changes would be like if we look through, reduce it down to the balance growth for you.","start":1365.355,"end":1378.87,"sentiment":"neutral","sentiment_score":0.10398893853506216}],"sentiment":"neutral","sentiment_score":0.09684431190336389,"num_words":56,"start":1355.755,"end":1378.87},{"sentences":[{"text":"I can do kinda put together that research for you, run through it with you, and then you can let me know what your your thought is when you know, you know, what it's going to look like.","start":1380.005,"end":1389.145,"sentiment":"neutral","sentiment_score":0.21991029617033506},{"text":"Yep.","start":1390.245,"end":1390.645,"sentiment":"positive","sentiment_score":0.3660674691200256},{"text":"You happy for me to do that?","start":1390.645,"end":1392.15,"sentiment":"positive","sentiment_score":0.6489435604640416},{"text":"Yep.","start":1392.79,"end":1393.29,"sentiment":"positive","sentiment_score":0.43763527274131775},{"text":"Perfect.","start":1393.35,"end":1393.85,"sentiment":"positive","sentiment_score":0.6996508240699768}],"sentiment":"neutral","sentiment_score":0.30005311965942383,"num_words":48,"start":1380.005,"end":1393.85},{"sentences":[{"text":"And talking about your investments as well, so after the review today, in the next couple of days, you will also get an email, kind of your typical annual review pack email.","start":1394.55,"end":1403.77,"sentiment":"neutral","sentiment_score":0.290332067059353},{"text":"So you will have a performance report and a bit of a summary of your superannuation, kind of what's obviously changed in the last twelve months.","start":1403.99,"end":1413.265,"sentiment":"neutral","sentiment_score":0.10099048597308305},{"text":"Now I did have a look at your super balance as of last year to kind of give you that comparison.","start":1413.565,"end":1418.445,"sentiment":"neutral","sentiment_score":0.12476678618362971},{"text":"Is that something you keep an eye on a lot?","start":1418.445,"end":1421.92,"sentiment":"neutral","sentiment_score":0.05752241779118776},{"text":"Okay.","start":1421.92,"end":1422.4,"sentiment":"neutral","sentiment_score":0.016683105379343033}],"sentiment":"neutral","sentiment_score":0.16809320638163222,"num_words":90,"start":1394.55,"end":1422.4},{"sentences":[{"text":"You're you're pretty across.","start":1422.4,"end":1424.26,"sentiment":"neutral","sentiment_score":-0.008908001327654347},{"text":"Yes.","start":1429.6001,"end":1430.1001,"sentiment":"neutral","sentiment_score":0.007394968532025814},{"text":"The the IP and security is yeah.","start":1430.2401,"end":1435.3,"sentiment":"neutral","sentiment_score":-0.03305975879941668},{"text":"Yeah.","start":1439.125,"end":1439.625,"sentiment":"neutral","sentiment_score":0.01848772168159485},{"text":"It's a bit yeah.","start":1440.165,"end":1443.865,"sentiment":"neutral","sentiment_score":-0.03727689012885094}],"sentiment":"neutral","sentiment_score":-0.022957363953430426,"num_words":17,"start":1422.4,"end":1443.865},{"sentences":[{"text":"Yeah.","start":1445.845,"end":1446.245,"sentiment":"neutral","sentiment_score":-0.08015543222427368},{"text":"It's a bit yeah.","start":1446.245,"end":1447.365,"sentiment":"neutral","sentiment_score":-0.22418806329369545},{"text":"It's a bit it's a bit frustrating sometimes, especially with all their authentication apps as well sometimes.","start":1447.365,"end":1453.05,"sentiment":"negative","sentiment_score":-0.6088249595726237},{"text":"It drives me insane.","start":1453.05,"end":1454.27,"sentiment":"negative","sentiment_score":-0.46070611476898193},{"text":"Yes.","start":1457.69,"end":1458.19,"sentiment":"negative","sentiment_score":-0.3522736430168152}],"sentiment":"negative","sentiment_score":-0.5008159296380149,"num_words":27,"start":1445.845,"end":1458.19},{"sentences":[{"text":"Exactly.","start":1460.09,"end":1460.59,"sentiment":"neutral","sentiment_score":-0.06708013266324997},{"text":"Exactly.","start":1461.21,"end":1461.71,"sentiment":"neutral","sentiment_score":0.0309908427298069},{"text":"Now last year when you had your annual review with my colleague, Dana, your super balance was at around 212,074.","start":1463.255,"end":1471.115,"sentiment":"neutral","sentiment_score":0.024803320411592722},{"text":"And right now, it's at 252 at 304.","start":1471.975,"end":1476.215,"sentiment":"neutral","sentiment_score":0.03201581339817494},{"text":"So it's gone up.","start":1476.215,"end":1477.355,"sentiment":"neutral","sentiment_score":0.018969989381730556}],"sentiment":"neutral","sentiment_score":0.02329363479443333,"num_words":34,"start":1460.09,"end":1477.355},{"sentences":[{"text":"Yeah.","start":1478.04,"end":1478.54,"sentiment":"neutral","sentiment_score":0.025747885927557945},{"text":"Yeah.","start":1481.7201,"end":1482.12,"sentiment":"neutral","sentiment_score":0.058370620012283325},{"text":"So with the investments as well, I do wanna do a bit more of an kind of an in-depth review of them.","start":1482.12,"end":1487.7201,"sentiment":"neutral","sentiment_score":0.04621217382902449},{"text":"Now overall, your portfolio has been pretty, you know, okay for where it's at, but there is one particular one that's kind of been underperforming a little bit, and that is your Benelung Australian equity.","start":1487.7201,"end":1499.095,"sentiment":"neutral","sentiment_score":-0.1710062402699675},{"text":"So that one is your your managed fund, and they've kind of been down, lately.","start":1499.5549,"end":1504.535,"sentiment":"neutral","sentiment_score":-0.22795627613862354}],"sentiment":"neutral","sentiment_score":-0.11221319218040318,"num_words":74,"start":1478.04,"end":1504.535},{"sentences":[{"text":"They had a bit of, one of the investments that they were interested in, they got suspended for trading because of reporting and stuff like that, which caused them to reevaluate it.","start":1504.6749,"end":1515.01,"sentiment":"neutral","sentiment_score":-0.21166608156636357},{"text":"So what I would like to do is specifically look at potentially removing that if it's, appropriate for you and then swapping swapping it out with something else that's doing a little bit because we still wanna make sure that in the next, you know, two to three or four years that we do wanna, you know, make sure your your money is growing.","start":1515.23,"end":1532.745,"sentiment":"neutral","sentiment_score":0.025767354789422825},{"text":"And if there is one of the investments we have you in at the moment that is not doing as well as we anticipated, then we do wanna look at changing that.","start":1532.745,"end":1540.205,"sentiment":"neutral","sentiment_score":-0.17299991589970887},{"text":"So when I do look at, you know, reducing the risk profile, I'll specifically look at potentially changing that if if it's appropriate and look at your other investments as well just to make sure it's still doing good.","start":1541.78,"end":1551.48,"sentiment":"neutral","sentiment_score":0.18807629056465933},{"text":"But still, obviously, wanna make sure we would minimize, you know, if there's any tax or anything like that, because you do wanna take it up soon.","start":1551.78,"end":1558.775,"sentiment":"neutral","sentiment_score":0.0023358135863586708}],"sentiment":"neutral","sentiment_score":-0.016815252131638453,"num_words":194,"start":1504.6749,"end":1558.775},{"sentences":[{"text":"So that will be part of the document.","start":1559.5549,"end":1561.315,"sentiment":"neutral","sentiment_score":0.2138704266399145},{"text":"So you'll have a bit of a performance report on your whole portfolio there for you.","start":1561.315,"end":1565.255,"sentiment":"neutral","sentiment_score":0.25600335001945496},{"text":"You will have that summary, and then you will also have an ongoing service agreement.","start":1565.635,"end":1571.255,"sentiment":"neutral","sentiment_score":0.20725899934768677},{"text":"Now that will be similar to the one you had last year, which is basically to say that you are happy to stay on as a client for the next twelve months.","start":1571.61,"end":1578.75,"sentiment":"positive","sentiment_score":0.39673623628914356},{"text":"So you will get that one emailed out through you.","start":1578.89,"end":1581.9299,"sentiment":"neutral","sentiment_score":0.30614960193634033}],"sentiment":"neutral","sentiment_score":0.30460441462051724,"num_words":81,"start":1559.5549,"end":1581.9299},{"sentences":[{"text":"Obviously, have a read over it.","start":1581.9299,"end":1583.625,"sentiment":"neutral","sentiment_score":0.18071606010198593},{"text":"Any questions, let us know.","start":1583.865,"end":1585.945,"sentiment":"neutral","sentiment_score":0.1411804214119911},{"text":"But, otherwise, if you wanna press sign when you get it, we'll get all those details back, and we can obviously keep servicing you in the meantime.","start":1585.945,"end":1594.285,"sentiment":"neutral","sentiment_score":0.2469494886420391},{"text":"Now I will, like I said, do some research on your investments as well and get all of that sorted.","start":1594.985,"end":1601.24,"sentiment":"neutral","sentiment_score":0.16123188175261022},{"text":"Now it could take maybe, like, two weeks or so for me to get all of that together.","start":1601.24,"end":1605.02,"sentiment":"neutral","sentiment_score":0.03676728966335455}],"sentiment":"neutral","sentiment_score":0.1624247830263094,"num_words":76,"start":1581.9299,"end":1605.02},{"sentences":[{"text":"But as soon as I'm through, I will give you a call, run through the suggestions, and then you can let me know, you know, if you would like to go ahead with a change or not.","start":1605.56,"end":1613.7749,"sentiment":"neutral","sentiment_score":0.07979460070664818},{"text":"Yep.","start":1614.635,"end":1615.0349,"sentiment":"neutral","sentiment_score":0.2519533336162567},{"text":"Perfect.","start":1615.0349,"end":1615.5349,"sentiment":"positive","sentiment_score":0.6382677555084229},{"text":"And I've also then tentatively locked in that Wednesday, the eighteenth, at 4PM to run through the the research and see if we can help your partner and put her in a better position as well.","start":1615.6749,"end":1629.8201,"sentiment":"neutral","sentiment_score":0.17399408937328392},{"text":"But we'll give you a call, and then we'll take her from there.","start":1629.8201,"end":1632.56,"sentiment":"neutral","sentiment_score":0.0994093558536126}],"sentiment":"neutral","sentiment_score":0.12953102453188461,"num_words":88,"start":1605.56,"end":1632.56},{"sentences":[{"text":"Yep.","start":1633.26,"end":1633.76,"sentiment":"neutral","sentiment_score":0.1522884964942932},{"text":"No problem.","start":1633.9,"end":1634.4601,"sentiment":"neutral","sentiment_score":0.27560684084892273},{"text":"Do you have any other questions for me or anything else?","start":1634.4601,"end":1636.8,"sentiment":"neutral","sentiment_score":0.12777347219261256},{"text":"Yeah.","start":1638.275,"end":1638.6749,"sentiment":"positive","sentiment_score":0.4965476989746094},{"text":"Great.","start":1638.6749,"end":1639.155,"sentiment":"positive","sentiment_score":0.809349536895752}],"sentiment":"neutral","sentiment_score":0.21343172551132739,"num_words":16,"start":1633.26,"end":1639.155},{"sentences":[{"text":"Perfect.","start":1639.155,"end":1639.635,"sentiment":"positive","sentiment_score":0.7893537282943726},{"text":"Well, thank you so much for your time, and I look forward to speaking with you soon again.","start":1639.635,"end":1643.015,"sentiment":"positive","sentiment_score":0.7625043392181396},{"text":"Thanks.","start":1644.595,"end":1645.075,"sentiment":"positive","sentiment_score":0.6098106503486633},{"text":"Bye.","start":1645.075,"end":1645.575,"sentiment":"positive","sentiment_score":0.3478449583053589}],"sentiment":"positive","sentiment_score":0.736766068708329,"num_words":21,"start":1639.155,"end":1645.575}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Speaking. Good. So who you want? Fine. Yeah. Okay. Yeah. Yeah. Because I'm down in Sydney, so I'm too far away in here. Yes. Yep. That's fine. Yeah. That's fine. Yep. Yeah. But is this is this my what do you call my super fund? Yeah. Pursue a different name. Oh, yeah. Good. Yep. Yep. No worries. Yeah. I just didn't hear that. Yeah. Lindsay Lake 58 I'm just making sure. Lindsay Lake 5819 67. Yep. Yeah. Yeah. I'm down here for work, and then I go home every three weeks. No. It's just no. It's just yeah. The fund's still going up and down like a yoyo. So, yes, it's not Yep. Yep. All the same. Yep. Yes. Yeah. And, like yeah. Well, that's not the real name, and that's what we call them. Yeah. Yeah. I'll just have to find it. I don't know I don't know if I can. Yeah. I know it's a 49 what is it? It's yeah. 0491 090 5 579. Because we we try to get her a super fund, but she doesn't have enough money in the super fund, so they didn't there's not enough money. That's 30 thousand or 35,000 or something. Yes. Well, we tried a year or so ago, and they just said, no. There's enough money. So they just said, no. It's enough money, and that was the end of it. And it's I think the actual fund's still there. It's it hasn't actually been deleted. Yeah. This we yeah. I have to log back into her Superfund to send us through it in there. I I have to do it all. She she tells me to do everything. I'm not let she doesn't know how to do it, so I do it all. Yes. Yep. Well, next week. Because next week, I'm home for the whole week, and I just have to work out what day she's not when she's working, not working. Yeah. I think well, when Wednesday's where she's gonna be home in the afternoon. Yeah. Yeah. That'd be fine. Yeah. Yes. Or give me a ring first, and then I can yeah. If we can put her on loudspeaker or whatever. So she does do some messaging during the day, so she might be busy. But at the moment, she hasn't got any. So that. Yep. Yep. And I'll log in to her account to see how much money she's actually got now because she hasn't just got one. There's another one too. She's got two or three of them. So yeah. Yes. Yes. Not in the last two and a half years. It's the same. I'm a dredge operator. I sit out in the water, and I'm stuck up sand and come to the shore. Yes. That's that's why I'm way down here, but it's really good money, and I'm away from home. But, yes, I'm out and it's yeah. Three weeks. Yeah. Three weeks on, and and I get ten days off. Yes. Yeah. But yes. Full time. Yes. Yes. Yes. Yeah. About about the same. Yes. Yes. Well, that's that's worth it. Yeah. The standard pay and then I get a look and wait for home allowance, which is 500 a week. Yes. Yep. That's that should be going for the super fund itself. Yes. I think they do every three months. Yep. No. No. It's Davidson Dredging. Dredging. Yep. That's Sydney. Yes. But I've been working for this guy off and off for twenty five years. Oh, yeah. Same same boss. Yes. Alright. So all over the place. All over the place. Yes. Yeah. That's 700 something thousand there. They're even saying up to 800,000. Yeah. Because it's in the actual app. It's it's all there, though. Yeah. That's in the app. So but I I don't know if that's really accurate because it's saying it's really high. Yes. Yeah. So we got another five rentals. Well, that's it's it's there's three houses in one loan, and then there's another loan for all the other ones. So there's, like, four or five different loans. It's just a pain. No. This is why it worked out. Because at the start, there was, like, four houses on one loan, and then it went to three. And and now there's one loan that's just totally dead money. And it's if it's yeah. So we're about to sell one of the houses, and and I'm gonna pay off a few few of those loans and get the the the because we can't buy another house at the moment because we're working with too many assets, but not enough income. So so we're yes. So we're actually selling one to get ourselves so we can buy another house, another rental. Well, we we've this Bank of Queensland, the broker we used to use, he's gone. He's just not answering his bloody phone. So yeah. I think, though, they did that last year, and that's when we we did that. And they said, no. We they can't lend us any money because we don't have enough money coming in, but we do we have too many assets. That's why we're selling. Yeah. Well, we'll we'll yeah. When we sell the house, we'll do that because we've actually had two buyers now pull out. They said, yeah. Yeah. We'll buy it. We'll buy it. And then they say, yeah. No. We can't do this one. So it's it's yeah. Yes. Yep. Okay. It's a 100 and 20,000 or something. Yes. That's the one at S, E S K. Yep. Yeah. Well, it's we've just been trying to sell it for 550. Yeah. Yep. That's saying the same now is worth 400,000. Yeah. Jordan Street, that's the same now as 800,000. Yeah. Blenheim Road, that's they're saying about 350 to 400,000. Camilla. Yes. Yes. He is the same. Yeah. One one point 2,000,000. Yeah. 1.2. Yeah. That's everything. That's all the loans together is 121.2. So we've got we've got three three cars. Yeah. Ford Ranger, two I thirties, and then a caravan that's only worth $5. Yep. 80,000, sir. No. Not old cash. Well, yeah, we got the solar loan for solar panels. Right. So so solar battery. We we pay cash for the solar panels. So we got that about 10,000 left. Yeah. And then we yeah. Yeah. And then we got a credit card, which is 11,000. And then we got another loan that was that's payout to your credit card. Now it's full again. So that that's 10,000. That's why we wanna sell sell the bloody house and get rid of these stupid bills. Yes. Yeah. That yeah. Yeah. Yes. No. No. No. No. No. No. No. No. For safe. Yeah. Yeah. Yes. Yes. Yep. No. We got wheels in place. Yes. No. We got all that done for everything done by wheels. No. No. I don't think so. Because my son's too too young. He's only 15. So now we haven't I think we've got power turning each way, I think. That is yeah. If I die, my wife is in charge, and she does on charge, I guess. Yeah. No. Yes. Yeah. Yeah. I'm seriously thinking about that, but I I don't know when I'm allowed to get something to my super. I think it's 55 now. Yep. I wanna I wanna 100% retire so we can go basically live back in Thailand. Because we own we own, like, four houses over yeah. We own four houses in Thailand and cars and motorbikes over there. Yes. But yes. Yes. Before that. Yes. But if the sales sells and we we make this 500 profit or $400 profit, that that's enough money for me to to retire because I'll have rental incomes coming in and and we we might sell Jordan Street to actually pay out all the loans, and then we just live off the rent rentals. Yep. Yep. Yes. Yes. Yeah. Because I'll use no. We'll use that money to pay out some some of the loans so we can get the loan right down or sell Jordan Street to pay it all out. Alright. Right. No. No. But my wife's doing something with that now, and I don't know if they really understand what she's doing. So Yeah. Oh, moderate risk. Yes. So I just Yeah. Well, I just obviously want more as much money as I possibly can when I retire. Oh, at least 6%. Got Yes. Alright. Not. Yeah. Alright. Yep. Yes. Because it's just it it might it might change because I'm I was waiting here till my son is old enough to come in and take over my job. And he we have to wait till he's 18. He's only just about turned 16. So so if he comes down, then they'll probably will work for another year, so he will be three years. That's right. Yeah. Yeah. Yep. Okay. Yes. Yeah. Yes. But I you you changed something you changed some new ID thing. I would have pain that pain that was locked back in. It wouldn't yeah. I don't know. But, yeah, you had the scanning code thing, and how do you take a photo of it when you're on your phone? That was just it. Just yeah. Eventually, you had to use my iPad and do that and do this and do that, and then, eventually, I log back in again. I know. It's been harder and harder. I I know I know why because people are getting ripped off all the time now. So, yes, that's that. Yes. Yes. There it is. Yeah. It was down to $2.49 last week, and now it's back up. Alright. Okay. Okay. Yep. Yep. That's it. Yep. Yep. No worries. Mhmm. Yes. Okay. No worries. Yep. No worries. No. That's that's better. Yep. No worries. Okay. Thanks. Okay. Bye. 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Yes. Speaking. Good. So who you want?\n\nFine. Yeah. Okay. Yeah. Yeah.\n\nBecause I'm down in Sydney, so I'm too far away in here. Yes. Yep. That's fine. Yeah.\n\nThat's fine. Yep. Yeah. But is this is this my what do you call my super fund? Yeah.\n\nPursue a different name. Oh, yeah. Good. Yep. Yep.\n\nNo worries. Yeah. I just didn't hear that. Yeah. Lindsay Lake 58 I'm just making sure.\n\nLindsay Lake 5819 67. Yep. Yeah. Yeah. I'm down here for work, and then I go home every three weeks.\n\nNo. It's just no. It's just yeah. The fund's still going up and down like a yoyo. So, yes, it's not Yep.\n\nYep. All the same. Yep. Yes. Yeah.\n\nAnd, like yeah. Well, that's not the real name, and that's what we call them. Yeah. Yeah. I'll just have to find it.\n\nI don't know I don't know if I can. Yeah. I know it's a 49 what is it? It's yeah. 0491 090 5 579.\n\nBecause we we try to get her a super fund, but she doesn't have enough money in the super fund, so they didn't there's not enough money. That's 30 thousand or 35,000 or something. Yes. Well, we tried a year or so ago, and they just said, no. There's enough money.\n\nSo they just said, no. It's enough money, and that was the end of it. And it's I think the actual fund's still there. It's it hasn't actually been deleted. Yeah.\n\nThis we yeah. I have to log back into her Superfund to send us through it in there. I I have to do it all. She she tells me to do everything. I'm not let she doesn't know how to do it, so I do it all.\n\nYes. Yep. Well, next week. Because next week, I'm home for the whole week, and I just have to work out what day she's not when she's working, not working. Yeah.\n\nI think well, when Wednesday's where she's gonna be home in the afternoon. Yeah. Yeah. That'd be fine. Yeah.\n\nYes. Or give me a ring first, and then I can yeah. If we can put her on loudspeaker or whatever. So she does do some messaging during the day, so she might be busy. But at the moment, she hasn't got any.\n\nSo that. Yep. Yep. And I'll log in to her account to see how much money she's actually got now because she hasn't just got one. There's another one too.\n\nShe's got two or three of them. So yeah. Yes. Yes. Not in the last two and a half years.\n\nIt's the same. I'm a dredge operator. I sit out in the water, and I'm stuck up sand and come to the shore. Yes. That's that's why I'm way down here, but it's really good money, and I'm away from home.\n\nBut, yes, I'm out and it's yeah. Three weeks. Yeah. Three weeks on, and and I get ten days off. Yes.\n\nYeah. But yes. Full time. Yes. Yes.\n\nYes. Yeah. About about the same. Yes. Yes.\n\nWell, that's that's worth it. Yeah. The standard pay and then I get a look and wait for home allowance, which is 500 a week. Yes. Yep.\n\nThat's that should be going for the super fund itself. Yes. I think they do every three months. Yep. No.\n\nNo. It's Davidson Dredging. Dredging. Yep. That's Sydney.\n\nYes. But I've been working for this guy off and off for twenty five years. Oh, yeah. Same same boss. Yes.\n\nAlright. So all over the place. All over the place. Yes. Yeah.\n\nThat's 700 something thousand there. They're even saying up to 800,000. Yeah. Because it's in the actual app. It's it's all there, though.\n\nYeah. That's in the app. So but I I don't know if that's really accurate because it's saying it's really high. Yes. Yeah.\n\nSo we got another five rentals. Well, that's it's it's there's three houses in one loan, and then there's another loan for all the other ones. So there's, like, four or five different loans. It's just a pain. No.\n\nThis is why it worked out. Because at the start, there was, like, four houses on one loan, and then it went to three. And and now there's one loan that's just totally dead money. And it's if it's yeah. So we're about to sell one of the houses, and and I'm gonna pay off a few few of those loans and get the the the because we can't buy another house at the moment because we're working with too many assets, but not enough income.\n\nSo so we're yes. So we're actually selling one to get ourselves so we can buy another house, another rental. Well, we we've this Bank of Queensland, the broker we used to use, he's gone. He's just not answering his bloody phone. So yeah.\n\nI think, though, they did that last year, and that's when we we did that. And they said, no. We they can't lend us any money because we don't have enough money coming in, but we do we have too many assets. That's why we're selling. Yeah.\n\nWell, we'll we'll yeah. When we sell the house, we'll do that because we've actually had two buyers now pull out. They said, yeah. Yeah. We'll buy it.\n\nWe'll buy it. And then they say, yeah. No. We can't do this one. So it's it's yeah.\n\nYes. Yep. Okay. It's a 100 and 20,000 or something. Yes.\n\nThat's the one at S, E S K. Yep. Yeah. Well, it's we've just been trying to sell it for 550. Yeah.\n\nYep. That's saying the same now is worth 400,000. Yeah. Jordan Street, that's the same now as 800,000. Yeah.\n\nBlenheim Road, that's they're saying about 350 to 400,000. Camilla. Yes. Yes. He is the same.\n\nYeah. One one point 2,000,000. Yeah. 1.2. Yeah.\n\nThat's everything. That's all the loans together is 121.2. So we've got we've got three three cars. Yeah. Ford Ranger, two I thirties, and then a caravan that's only worth $5.\n\nYep. 80,000, sir. No. Not old cash. Well, yeah, we got the solar loan for solar panels.\n\nRight. So so solar battery. We we pay cash for the solar panels. So we got that about 10,000 left. Yeah.\n\nAnd then we yeah. Yeah. And then we got a credit card, which is 11,000. And then we got another loan that was that's payout to your credit card. Now it's full again.\n\nSo that that's 10,000. That's why we wanna sell sell the bloody house and get rid of these stupid bills. Yes. Yeah. That yeah.\n\nYeah. Yes. No. No. No.\n\nNo. No. No. No. No.\n\nFor safe. Yeah. Yeah. Yes. Yes.\n\nYep. No. We got wheels in place. Yes. No.\n\nWe got all that done for everything done by wheels. No. No. I don't think so. Because my son's too too young.\n\nHe's only 15. So now we haven't I think we've got power turning each way, I think. That is yeah. If I die, my wife is in charge, and she does on charge, I guess. Yeah.\n\nNo. Yes. Yeah. Yeah. I'm seriously thinking about that, but I I don't know when I'm allowed to get something to my super.\n\nI think it's 55 now. Yep. I wanna I wanna 100% retire so we can go basically live back in Thailand. Because we own we own, like, four houses over yeah. We own four houses in Thailand and cars and motorbikes over there.\n\nYes. But yes. Yes. Before that. Yes.\n\nBut if the sales sells and we we make this 500 profit or $400 profit, that that's enough money for me to to retire because I'll have rental incomes coming in and and we we might sell Jordan Street to actually pay out all the loans, and then we just live off the rent rentals. Yep. Yep. Yes. Yes.\n\nYeah. Because I'll use no. We'll use that money to pay out some some of the loans so we can get the loan right down or sell Jordan Street to pay it all out. Alright. Right.\n\nNo. No. But my wife's doing something with that now, and I don't know if they really understand what she's doing. So Yeah. Oh, moderate risk.\n\nYes. So I just Yeah. Well, I just obviously want more as much money as I possibly can when I retire. Oh, at least 6%. Got Yes.\n\nAlright. Not. Yeah. Alright. Yep.\n\nYes. Because it's just it it might it might change because I'm I was waiting here till my son is old enough to come in and take over my job. And he we have to wait till he's 18. He's only just about turned 16. So so if he comes down, then they'll probably will work for another year, so he will be three years.\n\nThat's right. Yeah. Yeah. Yep. Okay.\n\nYes. Yeah. Yes. But I you you changed something you changed some new ID thing. I would have pain that pain that was locked back in.\n\nIt wouldn't yeah. I don't know. But, yeah, you had the scanning code thing, and how do you take a photo of it when you're on your phone? That was just it. Just yeah.\n\nEventually, you had to use my iPad and do that and do this and do that, and then, eventually, I log back in again. I know. It's been harder and harder. I I know I know why because people are getting ripped off all the time now. So, yes, that's that.\n\nYes. Yes. There it is. Yeah. It was down to $2.49 last week, and now it's back up.\n\nAlright. Okay. Okay. Yep. Yep.\n\nThat's it. Yep. Yep. No worries. Mhmm.\n\nYes. Okay. No worries. Yep. No worries.\n\nNo. That's that's better. Yep. No worries. Okay.\n\nThanks. Okay. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":7.2799997,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.05908655375242233},{"text":"Yes.","start":10.719999,"end":10.96,"sentiment":"neutral","sentiment_score":0.11504428833723068},{"text":"Speaking.","start":10.96,"end":11.46,"sentiment":"neutral","sentiment_score":0.1149854063987732},{"text":"Good.","start":15.815001,"end":16.055,"sentiment":"positive","sentiment_score":0.3665626049041748},{"text":"So who you 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here.","start":33.54,"end":36.44,"sentiment":"neutral","sentiment_score":-0.23753156637152037},{"text":"Yes.","start":39.86,"end":40.26,"sentiment":"neutral","sentiment_score":-0.03189115971326828},{"text":"Yep.","start":40.26,"end":40.5,"sentiment":"neutral","sentiment_score":-0.05739002674818039},{"text":"That's fine.","start":40.5,"end":41.14,"sentiment":"neutral","sentiment_score":-0.09518307074904442},{"text":"Yeah.","start":41.14,"end":41.3,"sentiment":"neutral","sentiment_score":0.07824132591485977}],"sentiment":"neutral","sentiment_score":-0.17951675285311305,"num_words":17,"start":33.54,"end":41.3},{"sentences":[{"text":"That's fine.","start":41.3,"end":42.04,"sentiment":"neutral","sentiment_score":0.1354188621044159},{"text":"Yep.","start":52.385002,"end":52.885002,"sentiment":"neutral","sentiment_score":0.08993063867092133},{"text":"Yeah.","start":62.32,"end":62.8,"sentiment":"neutral","sentiment_score":0.01263351272791624},{"text":"But is this is this my what do you call my super fund?","start":62.8,"end":67.939995,"sentiment":"neutral","sentiment_score":-0.007517649004092583},{"text":"Yeah.","start":69.68,"end":69.92,"sentiment":"neutral","sentiment_score":-0.0024292180314660072}],"sentiment":"neutral","sentiment_score":0.015180178917944431,"num_words":18,"start":41.3,"end":69.92},{"sentences":[{"text":"Pursue a different name.","start":69.92,"end":71.38,"sentiment":"neutral","sentiment_score":-0.01571092545054853},{"text":"Oh, yeah.","start":76.274994,"end":76.674995,"sentiment":"neutral","sentiment_score":0.05399814620614052},{"text":"Good.","start":76.674995,"end":76.994995,"sentiment":"neutral","sentiment_score":0.15427343547344208},{"text":"Yep.","start":76.994995,"end":77.155,"sentiment":"neutral","sentiment_score":0.0642416849732399},{"text":"Yep.","start":77.155,"end":77.395,"sentiment":"neutral","sentiment_score":0.03828650340437889}],"sentiment":"neutral","sentiment_score":0.033550468273460865,"num_words":9,"start":69.92,"end":77.395},{"sentences":[{"text":"No worries.","start":77.395,"end":77.795,"sentiment":"neutral","sentiment_score":-0.0027031945064663887},{"text":"Yeah.","start":77.795,"end":78.034996,"sentiment":"neutral","sentiment_score":-0.01035548560321331},{"text":"I just didn't hear that.","start":78.034996,"end":79.075,"sentiment":"neutral","sentiment_score":-0.0403713621199131},{"text":"Yeah.","start":79.075,"end":79.575,"sentiment":"neutral","sentiment_score":-0.0014843987300992012},{"text":"Lindsay Lake 58 I'm just making sure.","start":80.034996,"end":83.155,"sentiment":"neutral","sentiment_score":-0.00416825625247189}],"sentiment":"neutral","sentiment_score":-0.015517554857069626,"num_words":16,"start":77.395,"end":83.155},{"sentences":[{"text":"Lindsay Lake 5819 67.","start":83.155,"end":96.18,"sentiment":"neutral","sentiment_score":-0.017217403801623732},{"text":"Yep.","start":108.395,"end":108.895,"sentiment":"neutral","sentiment_score":0.0027340042870491743},{"text":"Yeah.","start":113.229996,"end":113.39,"sentiment":"neutral","sentiment_score":-0.029221046715974808},{"text":"Yeah.","start":113.39,"end":113.549995,"sentiment":"neutral","sentiment_score":-0.04082050547003746},{"text":"I'm down here for work, and then I go home every three weeks.","start":113.549995,"end":117.009995,"sentiment":"neutral","sentiment_score":-0.009314149976349793}],"sentiment":"neutral","sentiment_score":-0.012863055639900266,"num_words":20,"start":83.155,"end":117.009995},{"sentences":[{"text":"No.","start":132.545,"end":132.785,"sentiment":"neutral","sentiment_score":-0.191654235124588},{"text":"It's just no.","start":132.785,"end":133.985,"sentiment":"neutral","sentiment_score":-0.2280532568693161},{"text":"It's just yeah.","start":133.985,"end":134.465,"sentiment":"neutral","sentiment_score":-0.15262057880560556},{"text":"The fund's still going up and down like a yoyo.","start":134.465,"end":136.785,"sentiment":"negative","sentiment_score":-0.4136207848787308},{"text":"So, yes, it's not Yep.","start":136.785,"end":154.945,"sentiment":"neutral","sentiment_score":-0.0852557122707367}],"sentiment":"neutral","sentiment_score":-0.26800737055865204,"num_words":22,"start":132.545,"end":154.945},{"sentences":[{"text":"Yep.","start":154.945,"end":155.18501,"sentiment":"neutral","sentiment_score":0.031445130705833435},{"text":"All the same.","start":155.18501,"end":156.005,"sentiment":"neutral","sentiment_score":0.06581748649477959},{"text":"Yep.","start":163.10501,"end":163.60501,"sentiment":"neutral","sentiment_score":0.07927874475717545},{"text":"Yes.","start":163.66501,"end":164.04,"sentiment":"neutral","sentiment_score":0.05695929378271103},{"text":"Yeah.","start":164.51999,"end":164.76,"sentiment":"neutral","sentiment_score":0.04000026732683182}],"sentiment":"neutral","sentiment_score":0.05787655657955578,"num_words":7,"start":154.945,"end":164.76},{"sentences":[{"text":"And, like yeah.","start":164.76,"end":165.73999,"sentiment":"neutral","sentiment_score":0.060921572148799896},{"text":"Well, that's not the real name, and that's what we call them.","start":166.12,"end":168.37999,"sentiment":"neutral","sentiment_score":-0.03550894930958748},{"text":"Yeah.","start":170.28,"end":170.78,"sentiment":"neutral","sentiment_score":-0.02577240765094757},{"text":"Yeah.","start":181.10501,"end":181.60501,"sentiment":"neutral","sentiment_score":-0.028531033545732495},{"text":"I'll just have to find it.","start":182.065,"end":183.66501,"sentiment":"neutral","sentiment_score":-0.046632902696728706}],"sentiment":"neutral","sentiment_score":-0.025106240549813145,"num_words":23,"start":164.76,"end":183.66501},{"sentences":[{"text":"I don't know I don't know if I can.","start":183.66501,"end":187.125,"sentiment":"neutral","sentiment_score":-0.13263548496696684},{"text":"Yeah.","start":194.8,"end":195.3,"sentiment":"neutral","sentiment_score":-0.04669354110956192},{"text":"I know it's a 49 what is it?","start":195.68001,"end":198.32,"sentiment":"neutral","sentiment_score":-0.027177836513146758},{"text":"It's yeah.","start":198.32,"end":201.76001,"sentiment":"neutral","sentiment_score":-0.008972763316705823},{"text":"0491 090 5 579.","start":201.76001,"end":209.385,"sentiment":"neutral","sentiment_score":-0.0054424788686446846}],"sentiment":"neutral","sentiment_score":-0.062397960001059495,"num_words":24,"start":183.66501,"end":209.385},{"sentences":[{"text":"Because we we try to get her a super fund, but she doesn't have enough money in the super fund, so they didn't there's not enough money.","start":209.385,"end":215.25,"sentiment":"neutral","sentiment_score":-0.14596322427193323},{"text":"That's 30 thousand or 35,000 or something.","start":219.33,"end":222.16,"sentiment":"neutral","sentiment_score":-0.07236484065651894},{"text":"Yes.","start":235.505,"end":236.005,"sentiment":"neutral","sentiment_score":0.06458030641078949},{"text":"Well, we tried a year or so ago, and they just said, no.","start":240.46,"end":243.66,"sentiment":"neutral","sentiment_score":-0.08294896974873084},{"text":"There's enough money.","start":243.66,"end":244.62,"sentiment":"neutral","sentiment_score":-0.19987177848815918}],"sentiment":"neutral","sentiment_score":-0.1188418152102945,"num_words":51,"start":209.385,"end":244.62},{"sentences":[{"text":"So they just said, no.","start":244.62,"end":245.98,"sentiment":"neutral","sentiment_score":-0.19956051111221312},{"text":"It's enough money, and that was the end of it.","start":245.98,"end":247.74,"sentiment":"neutral","sentiment_score":-0.20242948830127716},{"text":"And it's I think the actual fund's still there.","start":247.74,"end":250.14,"sentiment":"neutral","sentiment_score":-0.17164544264475504},{"text":"It's it hasn't actually been deleted.","start":250.14,"end":252.08,"sentiment":"neutral","sentiment_score":-0.10352501024802525},{"text":"Yeah.","start":272.47,"end":272.79,"sentiment":"neutral","sentiment_score":0.10425151884555817}],"sentiment":"neutral","sentiment_score":-0.1639937085490073,"num_words":31,"start":244.62,"end":272.79},{"sentences":[{"text":"This we yeah.","start":272.79,"end":273.91,"sentiment":"neutral","sentiment_score":0.07257448881864548},{"text":"I have to log back into her Superfund to send us through it in there.","start":273.91,"end":277.69,"sentiment":"neutral","sentiment_score":-0.03795783556997776},{"text":"I I have to do it all.","start":278.39,"end":279.67,"sentiment":"neutral","sentiment_score":-0.120796480349132},{"text":"She she tells me to do everything.","start":279.67,"end":281.525,"sentiment":"neutral","sentiment_score":-0.13200169801712036},{"text":"I'm not let she doesn't know how to do it, so I do it all.","start":281.525,"end":284.505,"sentiment":"neutral","sentiment_score":-0.1346003214518229}],"sentiment":"neutral","sentiment_score":-0.08809013058372,"num_words":47,"start":272.79,"end":284.505},{"sentences":[{"text":"Yes.","start":290.005,"end":290.405,"sentiment":"neutral","sentiment_score":0.19769546389579773},{"text":"Yep.","start":290.405,"end":290.905,"sentiment":"neutral","sentiment_score":0.2475051581859589},{"text":"Well, next week.","start":304.1,"end":305.22,"sentiment":"neutral","sentiment_score":0.020399692778786022},{"text":"Because next week, I'm home for the whole week, and I just have to work out what day she's not when she's working, not working.","start":305.22,"end":311.725,"sentiment":"neutral","sentiment_score":0.007583979591727257},{"text":"Yeah.","start":313.465,"end":313.965,"sentiment":"neutral","sentiment_score":0.09372694045305252}],"sentiment":"neutral","sentiment_score":0.025475036473043503,"num_words":31,"start":290.005,"end":313.965},{"sentences":[{"text":"I think well, when Wednesday's where she's gonna be home in the afternoon.","start":314.26498,"end":319.485,"sentiment":"neutral","sentiment_score":0.07390109220376381},{"text":"Yeah.","start":321.225,"end":321.725,"sentiment":"neutral","sentiment_score":0.0932142585515976},{"text":"Yeah.","start":324.64,"end":324.88,"sentiment":"neutral","sentiment_score":0.05312333256006241},{"text":"That'd be fine.","start":324.88,"end":325.6,"sentiment":"neutral","sentiment_score":0.14021623879671097},{"text":"Yeah.","start":325.6,"end":326.1,"sentiment":"neutral","sentiment_score":0.02918681502342224}],"sentiment":"neutral","sentiment_score":0.08194143795653393,"num_words":19,"start":314.26498,"end":326.1},{"sentences":[{"text":"Yes.","start":329.52002,"end":330.02002,"sentiment":"neutral","sentiment_score":0.11685002595186234},{"text":"Or give me a ring first, and then I can yeah.","start":339.52502,"end":342.005,"sentiment":"neutral","sentiment_score":0.05668326331810518},{"text":"If we can put her on loudspeaker or whatever.","start":342.005,"end":343.92502,"sentiment":"neutral","sentiment_score":0.049668402721484504},{"text":"So she does do some messaging during the day, so she might be busy.","start":343.92502,"end":349.20502,"sentiment":"neutral","sentiment_score":-0.00837907035435949},{"text":"But at the moment, she hasn't got any.","start":349.20502,"end":351.605,"sentiment":"neutral","sentiment_score":-0.1750819180160761}],"sentiment":"neutral","sentiment_score":-0.007687925166168878,"num_words":43,"start":329.52002,"end":351.605},{"sentences":[{"text":"So that.","start":351.605,"end":352.4,"sentiment":"neutral","sentiment_score":-0.08285045623779297},{"text":"Yep.","start":357.82,"end":358.32,"sentiment":"neutral","sentiment_score":0.007625053636729717},{"text":"Yep.","start":360.46,"end":360.96,"sentiment":"neutral","sentiment_score":0.035866763442754745},{"text":"And I'll log in to her account to see how much money she's actually got now because she hasn't just got one.","start":363.02,"end":368.275,"sentiment":"neutral","sentiment_score":0.040934883058071136},{"text":"There's another one too.","start":368.275,"end":370.375,"sentiment":"neutral","sentiment_score":-0.04669686686247587}],"sentiment":"neutral","sentiment_score":0.019719028814385333,"num_words":30,"start":351.605,"end":370.375},{"sentences":[{"text":"She's got two or three of them.","start":370.915,"end":372.515,"sentiment":"neutral","sentiment_score":0.0028871378994413783},{"text":"So yeah.","start":372.515,"end":376.625,"sentiment":"neutral","sentiment_score":0.08072128891944885},{"text":"Yes.","start":382.96,"end":383.46,"sentiment":"neutral","sentiment_score":0.19625750184059143},{"text":"Yes.","start":391.91998,"end":392.41998,"sentiment":"neutral","sentiment_score":0.0944921225309372},{"text":"Not in the last two and a half years.","start":403.675,"end":405.35498,"sentiment":"neutral","sentiment_score":-0.03625260376267963}],"sentiment":"neutral","sentiment_score":0.007306436682119966,"num_words":20,"start":370.915,"end":405.35498},{"sentences":[{"text":"It's the 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weeks.","start":428.485,"end":429.04498,"sentiment":"neutral","sentiment_score":0.007953083608299494},{"text":"Yeah.","start":429.04498,"end":429.205,"sentiment":"neutral","sentiment_score":0.03171141818165779},{"text":"Three weeks on, and and I get ten days off.","start":429.205,"end":431.705,"sentiment":"neutral","sentiment_score":0.05725595653057099},{"text":"Yes.","start":433.44498,"end":433.94498,"sentiment":"neutral","sentiment_score":0.14387980103492737}],"sentiment":"neutral","sentiment_score":0.05197366881406024,"num_words":21,"start":423.04498,"end":433.94498},{"sentences":[{"text":"Yeah.","start":434.16498,"end":434.405,"sentiment":"neutral","sentiment_score":0.11217808723449708},{"text":"But yes.","start":434.405,"end":437.86002,"sentiment":"neutral","sentiment_score":0.05865850672125816},{"text":"Full 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months.","start":475.565,"end":477.18503,"sentiment":"neutral","sentiment_score":0.046661398240498135},{"text":"Yep.","start":480.445,"end":480.945,"sentiment":"neutral","sentiment_score":0.03905178979039192},{"text":"No.","start":483.48502,"end":483.98502,"sentiment":"neutral","sentiment_score":-0.07237137854099274}],"sentiment":"neutral","sentiment_score":0.10297447424381971,"num_words":20,"start":472.1,"end":483.98502},{"sentences":[{"text":"No.","start":484.285,"end":484.785,"sentiment":"neutral","sentiment_score":-0.07439802587032318},{"text":"It's Davidson Dredging.","start":491.17,"end":492.71,"sentiment":"neutral","sentiment_score":0.015117200712362925},{"text":"Dredging.","start":495.01,"end":495.51,"sentiment":"neutral","sentiment_score":0.07395820319652557},{"text":"Yep.","start":495.57,"end":495.89,"sentiment":"neutral","sentiment_score":0.07504677772521973},{"text":"That's Sydney.","start":495.89,"end":496.71,"sentiment":"neutral","sentiment_score":0.053364966064691544}],"sentiment":"neutral","sentiment_score":0.028336061164736748,"num_words":8,"start":484.285,"end":496.71},{"sentences":[{"text":"Yes.","start":500.535,"end":500.77502,"sentiment":"neutral","sentiment_score":0.022345103323459625},{"text":"But I've been working for this guy off and off for twenty five years.","start":500.77502,"end":504.23502,"sentiment":"neutral","sentiment_score":0.005622512062213251},{"text":"Oh, yeah.","start":505.89502,"end":506.55502,"sentiment":"neutral","sentiment_score":0.1021013855934143},{"text":"Same same boss.","start":506.61502,"end":507.83502,"sentiment":"neutral","sentiment_score":0.052498191595077515},{"text":"Yes.","start":508.21503,"end":508.71503,"sentiment":"neutral","sentiment_score":0.05936938524246216}],"sentiment":"neutral","sentiment_score":0.024863190638522308,"num_words":21,"start":500.535,"end":508.71503},{"sentences":[{"text":"Alright.","start":519.43,"end":519.83,"sentiment":"neutral","sentiment_score":0.027852367609739304},{"text":"So all over the place.","start":519.83,"end":521.13,"sentiment":"neutral","sentiment_score":0.012565995380282403},{"text":"All over the 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five rentals.","start":571.70996,"end":580.31,"sentiment":"neutral","sentiment_score":0.00584451574832201},{"text":"Well, that's it's it's there's three houses in one loan, and then there's another loan for all the other ones.","start":582.43,"end":589.47504,"sentiment":"neutral","sentiment_score":-0.1558375209569931},{"text":"So there's, like, four or five different loans.","start":589.47504,"end":591.155,"sentiment":"neutral","sentiment_score":-0.33291758969426155},{"text":"It's just a pain.","start":591.155,"end":592.375,"sentiment":"negative","sentiment_score":-0.577846109867096},{"text":"No.","start":597.49,"end":597.73004,"sentiment":"neutral","sentiment_score":-0.22720886766910553}],"sentiment":"neutral","sentiment_score":-0.21240044485491055,"num_words":39,"start":571.70996,"end":597.73004},{"sentences":[{"text":"This is why it worked out.","start":597.73004,"end":599.01,"sentiment":"neutral","sentiment_score":-0.2167897621790568},{"text":"Because at the start, there was, like, 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guess.","start":941.84503,"end":945.465,"sentiment":"neutral","sentiment_score":-0.035246309265494345},{"text":"Yeah.","start":945.765,"end":946.265,"sentiment":"neutral","sentiment_score":0.043083347380161285}],"sentiment":"neutral","sentiment_score":-0.04232822094733516,"num_words":36,"start":935.17,"end":946.265},{"sentences":[{"text":"No.","start":953.84503,"end":954.27,"sentiment":"neutral","sentiment_score":-0.12761405110359192},{"text":"Yes.","start":970.345,"end":970.845,"sentiment":"neutral","sentiment_score":0.05972040072083473},{"text":"Yeah.","start":983.61,"end":984.11,"sentiment":"neutral","sentiment_score":0.027268119156360623},{"text":"Yeah.","start":984.49,"end":984.81,"sentiment":"neutral","sentiment_score":0.018216995522379875},{"text":"I'm seriously thinking about that, but I I don't know when I'm allowed to get something to my super.","start":984.81,"end":989.21,"sentiment":"neutral","sentiment_score":-0.05749336247773547}],"sentiment":"neutral","sentiment_score":-0.04846880099047785,"num_words":23,"start":953.84503,"end":989.21},{"sentences":[{"text":"I think it's 55 now.","start":989.21,"end":990.83,"sentiment":"neutral","sentiment_score":-0.01354773510247469},{"text":"Yep.","start":994.97003,"end":995.47003,"sentiment":"neutral","sentiment_score":0.029541349038481712},{"text":"I wanna I wanna 100% retire so we can go basically live back in Thailand.","start":1005.825,"end":1009.925,"sentiment":"neutral","sentiment_score":0.13319125870863596},{"text":"Because we own we own, like, four houses over yeah.","start":1012.07,"end":1014.63,"sentiment":"neutral","sentiment_score":0.07139854840934276},{"text":"We own four houses in Thailand and cars and motorbikes over there.","start":1014.63,"end":1018.25,"sentiment":"neutral","sentiment_score":0.0692993284513553}],"sentiment":"neutral","sentiment_score":0.08151741813175208,"num_words":43,"start":989.21,"end":1018.25},{"sentences":[{"text":"Yes.","start":1018.31,"end":1018.81,"sentiment":"neutral","sentiment_score":0.07383281737565994},{"text":"But yes.","start":1019.75,"end":1021.61,"sentiment":"neutral","sentiment_score":0.02787808794528246},{"text":"Yes.","start":1023.43,"end":1023.75,"sentiment":"neutral","sentiment_score":0.02495553158223629},{"text":"Before that.","start":1023.75,"end":1024.47,"sentiment":"neutral","sentiment_score":0.01422940380871296},{"text":"Yes.","start":1024.47,"end":1024.845,"sentiment":"neutral","sentiment_score":0.0767458826303482}],"sentiment":"neutral","sentiment_score":0.03710703072803361,"num_words":7,"start":1018.31,"end":1024.845},{"sentences":[{"text":"But if the sales sells and we we make this 500 profit or $400 profit, that that's enough money for me to to retire because I'll have rental incomes coming in and and we we might sell Jordan Street to actually pay out all the loans, and then we just live off the rent rentals.","start":1025.005,"end":1042.51,"sentiment":"neutral","sentiment_score":0.09665812281045047},{"text":"Yep.","start":1044.17,"end":1044.67,"sentiment":"neutral","sentiment_score":0.1407749354839325},{"text":"Yep.","start":1045.05,"end":1045.55,"sentiment":"neutral","sentiment_score":0.18448810279369351},{"text":"Yes.","start":1065.3251,"end":1065.78,"sentiment":"neutral","sentiment_score":0.04830600321292877},{"text":"Yes.","start":1071.3,"end":1071.7001,"sentiment":"neutral","sentiment_score":0.0820259377360344}],"sentiment":"neutral","sentiment_score":0.09782697853900618,"num_words":59,"start":1025.005,"end":1071.7001},{"sentences":[{"text":"Yeah.","start":1071.7001,"end":1071.9401,"sentiment":"neutral","sentiment_score":0.026815475896000866},{"text":"Because I'll use no.","start":1071.9401,"end":1073.4601,"sentiment":"neutral","sentiment_score":0.034842221066355705},{"text":"We'll use that money to pay out some some of the loans so we can get the loan right down or sell Jordan Street to pay it all out.","start":1073.4601,"end":1087.125,"sentiment":"neutral","sentiment_score":0.15164657695026235},{"text":"Alright.","start":1103.19,"end":1103.69,"sentiment":"neutral","sentiment_score":0.15377633273601532},{"text":"Right.","start":1111.815,"end":1112.315,"sentiment":"neutral","sentiment_score":0.011019828729331492}],"sentiment":"neutral","sentiment_score":0.13135364592178828,"num_words":36,"start":1071.7001,"end":1112.315},{"sentences":[{"text":"No.","start":1119.2549,"end":1119.6,"sentiment":"neutral","sentiment_score":-0.04281051084399223},{"text":"No.","start":1120.7999,"end":1121.2,"sentiment":"neutral","sentiment_score":-0.100271537899971},{"text":"But my wife's doing something with that now, and I don't know if they really understand what she's doing.","start":1121.2,"end":1125.2,"sentiment":"neutral","sentiment_score":-0.17823893145511024},{"text":"So Yeah.","start":1125.2,"end":1130.66,"sentiment":"neutral","sentiment_score":0.04415793903172016},{"text":"Oh, moderate risk.","start":1148.245,"end":1149.605,"sentiment":"neutral","sentiment_score":-0.06850763099888961}],"sentiment":"neutral","sentiment_score":-0.14026264466631871,"num_words":26,"start":1119.2549,"end":1149.605},{"sentences":[{"text":"Yes.","start":1149.605,"end":1150.085,"sentiment":"neutral","sentiment_score":0.07916243374347687},{"text":"So I just Yeah.","start":1150.085,"end":1181.88,"sentiment":"neutral","sentiment_score":0.002903968095779419},{"text":"Well, I just obviously want more as much money as I possibly can when I retire.","start":1182.26,"end":1186.0399,"sentiment":"neutral","sentiment_score":-0.24132151436060667},{"text":"Oh, at least 6%.","start":1206.385,"end":1207.685,"sentiment":"neutral","sentiment_score":-0.03470138646662235},{"text":"Got Yes.","start":1220.99,"end":1243.5399,"sentiment":"neutral","sentiment_score":0.0609859935939312}],"sentiment":"neutral","sentiment_score":-0.14026664749339776,"num_words":27,"start":1149.605,"end":1243.5399},{"sentences":[{"text":"Alright.","start":1272.645,"end":1273.145,"sentiment":"neutral","sentiment_score":0.14935220777988434},{"text":"Not.","start":1294.99,"end":1295.49,"sentiment":"neutral","sentiment_score":0.019147807732224464},{"text":"Yeah.","start":1316.7001,"end":1317.2001,"sentiment":"neutral","sentiment_score":0.1109229326248169},{"text":"Alright.","start":1336.405,"end":1336.905,"sentiment":"neutral","sentiment_score":0.12346434593200684},{"text":"Yep.","start":1340.565,"end":1341.065,"sentiment":"neutral","sentiment_score":0.12421076744794846}],"sentiment":"neutral","sentiment_score":0.1054196123033762,"num_words":5,"start":1272.645,"end":1341.065},{"sentences":[{"text":"Yes.","start":1343.5801,"end":1343.9,"sentiment":"neutral","sentiment_score":0.10842619836330414},{"text":"Because it's just it it might it might change because I'm I was waiting here till my son is old enough to come in and take over my job.","start":1343.9,"end":1352.0,"sentiment":"neutral","sentiment_score":-0.053885654642664156},{"text":"And he we have to wait till he's 18.","start":1352.7001,"end":1354.8601,"sentiment":"neutral","sentiment_score":-0.03395466858314143},{"text":"He's only just about turned 16.","start":1354.8601,"end":1357.8151,"sentiment":"neutral","sentiment_score":-0.017189173959195614},{"text":"So so if he comes down, then they'll probably will work for another year, so he will be three years.","start":1358.915,"end":1364.375,"sentiment":"neutral","sentiment_score":-0.04948485405184329}],"sentiment":"neutral","sentiment_score":-0.04388741428175798,"num_words":65,"start":1343.5801,"end":1364.375},{"sentences":[{"text":"That's right.","start":1365.155,"end":1365.795,"sentiment":"neutral","sentiment_score":0.0652572512626648},{"text":"Yeah.","start":1365.795,"end":1366.295,"sentiment":"neutral","sentiment_score":0.1254233419895172},{"text":"Yeah.","start":1378.9299,"end":1379.4299,"sentiment":"neutral","sentiment_score":0.18560239672660828},{"text":"Yep.","start":1389.445,"end":1389.845,"sentiment":"neutral","sentiment_score":0.20603469014167783},{"text":"Okay.","start":1389.845,"end":1390.345,"sentiment":"neutral","sentiment_score":0.29276251792907715}],"sentiment":"neutral","sentiment_score":0.1567229082187017,"num_words":6,"start":1365.155,"end":1390.345},{"sentences":[{"text":"Yes.","start":1392.005,"end":1392.325,"sentiment":"positive","sentiment_score":0.3615320324897766},{"text":"Yeah.","start":1392.325,"end":1392.825,"sentiment":"positive","sentiment_score":0.3825710117816925},{"text":"Yes.","start":1420.745,"end":1421.245,"sentiment":"neutral","sentiment_score":0.0422094389796257},{"text":"But I you you changed something you changed some new ID thing.","start":1421.705,"end":1426.105,"sentiment":"neutral","sentiment_score":-0.030538242931167286},{"text":"I would have pain that pain that was locked back in.","start":1426.105,"end":1428.42,"sentiment":"neutral","sentiment_score":-0.0809841172938997}],"sentiment":"neutral","sentiment_score":-0.01811429700599267,"num_words":26,"start":1392.005,"end":1428.42},{"sentences":[{"text":"It wouldn't yeah.","start":1431.06,"end":1432.36,"sentiment":"neutral","sentiment_score":-0.03816297029455503},{"text":"I don't know.","start":1433.2201,"end":1433.7001,"sentiment":"neutral","sentiment_score":-0.06287342558304469},{"text":"But, yeah, you had the scanning code thing, and how do you take a photo of it when you're on your phone?","start":1433.7001,"end":1437.7001,"sentiment":"neutral","sentiment_score":-0.0014836867339909077},{"text":"That was just it.","start":1437.7001,"end":1438.7301,"sentiment":"neutral","sentiment_score":-0.012984860455617309},{"text":"Just yeah.","start":1438.7301,"end":1440.495,"sentiment":"neutral","sentiment_score":0.007650400511920452}],"sentiment":"neutral","sentiment_score":-0.010952615781741984,"num_words":34,"start":1431.06,"end":1440.495},{"sentences":[{"text":"Eventually, you had to use my iPad and do that and do this and do that, and then, eventually, I log back in again.","start":1440.655,"end":1445.475,"sentiment":"neutral","sentiment_score":-0.07010990520939231},{"text":"I know.","start":1452.885,"end":1453.375,"sentiment":"neutral","sentiment_score":-0.2893976420164108},{"text":"It's been harder and harder.","start":1453.375,"end":1454.97,"sentiment":"negative","sentiment_score":-0.6216540217399598},{"text":"I I know I know why because people are getting ripped off all the time now.","start":1454.97,"end":1459.4501,"sentiment":"negative","sentiment_score":-0.5603839661926031},{"text":"So, yes, that's that.","start":1459.4501,"end":1460.67,"sentiment":"neutral","sentiment_score":-0.06284235138446093}],"sentiment":"neutral","sentiment_score":-0.2860238427917163,"num_words":51,"start":1440.655,"end":1460.67},{"sentences":[{"text":"Yes.","start":1471.405,"end":1471.905,"sentiment":"neutral","sentiment_score":0.050871387124061584},{"text":"Yes.","start":1476.2051,"end":1476.7051,"sentiment":"neutral","sentiment_score":0.029665961861610413},{"text":"There it is.","start":1476.765,"end":1477.5651,"sentiment":"neutral","sentiment_score":0.023977539812525112},{"text":"Yeah.","start":1477.5651,"end":1478.0651,"sentiment":"neutral","sentiment_score":0.029341336339712143},{"text":"It was down to $2.49 last week, and now it's back up.","start":1478.285,"end":1480.95,"sentiment":"neutral","sentiment_score":-0.018622039972494047}],"sentiment":"neutral","sentiment_score":-0.0023140652726093927,"num_words":18,"start":1471.405,"end":1480.95},{"sentences":[{"text":"Alright.","start":1513.64,"end":1514.14,"sentiment":"neutral","sentiment_score":-0.12452150881290436},{"text":"Okay.","start":1515.4,"end":1515.9,"sentiment":"neutral","sentiment_score":-0.05949779599905014},{"text":"Okay.","start":1524.225,"end":1524.725,"sentiment":"neutral","sentiment_score":-0.0020735841244459152},{"text":"Yep.","start":1525.5851,"end":1526.0851,"sentiment":"neutral","sentiment_score":0.05191705748438835},{"text":"Yep.","start":1540.2999,"end":1540.62,"sentiment":"neutral","sentiment_score":0.09485136717557908}],"sentiment":"neutral","sentiment_score":-0.007864892855286595,"num_words":5,"start":1513.64,"end":1540.62},{"sentences":[{"text":"That's it.","start":1540.62,"end":1541.36,"sentiment":"neutral","sentiment_score":0.0730334110558033},{"text":"Yep.","start":1559.075,"end":1559.575,"sentiment":"neutral","sentiment_score":0.16634796559810638},{"text":"Yep.","start":1613.765,"end":1614.1649,"sentiment":"neutral","sentiment_score":0.11186394095420836},{"text":"No worries.","start":1614.1649,"end":1614.985,"sentiment":"neutral","sentiment_score":0.20272353291511536},{"text":"Mhmm.","start":1619.765,"end":1620.265,"sentiment":"neutral","sentiment_score":0.10420563817024232}],"sentiment":"neutral","sentiment_score":0.13341877609491348,"num_words":7,"start":1540.62,"end":1620.265},{"sentences":[{"text":"Yes.","start":1622.565,"end":1623.065,"sentiment":"neutral","sentiment_score":0.14528903365135193},{"text":"Okay.","start":1628.75,"end":1629.25,"sentiment":"neutral","sentiment_score":0.08044243603944778},{"text":"No worries.","start":1630.03,"end":1630.6901,"sentiment":"neutral","sentiment_score":0.04346066899597645},{"text":"Yep.","start":1632.51,"end":1632.99,"sentiment":"neutral","sentiment_score":0.13338612020015717},{"text":"No worries.","start":1632.99,"end":1633.5701,"sentiment":"neutral","sentiment_score":0.15543004870414734}],"sentiment":"neutral","sentiment_score":0.10812843218445778,"num_words":7,"start":1622.565,"end":1633.5701},{"sentences":[{"text":"No.","start":1636.27,"end":1636.51,"sentiment":"neutral","sentiment_score":0.0016604680567979813},{"text":"That's that's better.","start":1636.51,"end":1637.939,"sentiment":"neutral","sentiment_score":0.3168850640455882},{"text":"Yep.","start":1641.679,"end":1642.179,"sentiment":"positive","sentiment_score":0.6464032530784607},{"text":"No worries.","start":1642.639,"end":1643.2789,"sentiment":"neutral","sentiment_score":0.27824752032756805},{"text":"Okay.","start":1643.2789,"end":1643.759,"sentiment":"neutral","sentiment_score":0.3210349977016449}],"sentiment":"neutral","sentiment_score":0.3095311189536005,"num_words":8,"start":1636.27,"end":1643.759},{"sentences":[{"text":"Thanks.","start":1643.759,"end":1644.259,"sentiment":"positive","sentiment_score":0.5635244846343994},{"text":"Okay.","start":1644.3989,"end":1644.8989,"sentiment":"neutral","sentiment_score":0.32981181144714355},{"text":"Bye.","start":1645.199,"end":1645.519,"sentiment":"neutral","sentiment_score":0.27901333570480347},{"text":"Bye.","start":1645.519,"end":1646.019,"sentiment":"neutral","sentiment_score":-0.1046493873000145}],"sentiment":"neutral","sentiment_score":0.266925061121583,"num_words":4,"start":1643.759,"end":1646.019}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. Is this Lindsay?\n\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Lindsay?\n\nChannel 1: Yes. Speaking.\n\nChannel 0: This is Veronica from Oakview Financial. How are you this afternoon?\n\nChannel 1: Good. So who you want?\n\nChannel 0: Oakview Financial.\n\nChannel 1: Fine. Yeah. Okay.\n\nChannel 0: I was just giving you a quick call to see if I could get you booked in for your under review that's coming up or if now is a good time for you to run through that.\n\nChannel 1: Yeah. Yeah. Because I'm down in Sydney, so I'm too far away in here.\n\nChannel 0: Yeah. No. Are you happy to kind of run through that now, or\n\nChannel 1: Yes.\n\nChannel 0: is now\n\nChannel 1: Yep.\n\nChannel 0: not\n\nChannel 1: That's fine.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Alright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with you with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yeah. But is this is this my what do you call my super fund?\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Pursue a different name.\n\nChannel 0: So if you so we are your advisers\n\nChannel 1: Oh, yeah. Good.\n\nChannel 0: that\n\nChannel 1: Yep. Yep. No\n\nChannel 0: yeah.\n\nChannel 1: worries. Yeah. I just\n\nChannel 0: Yeah.\n\nChannel 1: didn't hear that. Yeah. Lindsay Lake\n\nChannel 0: Sorry.\n\nChannel 1: 58 I'm just making sure. Lindsay\n\nChannel 0: No.\n\nChannel 1: Lake 5819\n\nChannel 0: No. That's and that's totally good. You are. I'm just saying I am a bit blocked in the nurse today, so I do do apologize if you couldn't hear me hear me very well. But yeah.\n\nNo. It's\n\nChannel 1: 67.\n\nChannel 0: just to kind of go through a bit of your interview to see, you know, what's changed in your life, if you need to make any changes to the advice, give you a bit of a rundown on, obviously, your super annual performance or what's happened, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Now you said you're down in Sydney at the moment. Is that just for work? Or\n\nChannel 1: Yeah. Yeah. I'm down here for work, and then I go home every three weeks.\n\nChannel 0: Yeah. Oh, yeah. Perfect. Well, I will try not to keep you for too long. Now just before I do go in to kind of run through a bit of a fact finding and see what's changed, is there anything specific that you are, you know, wanting me to address today or go over or just just a bit of an update,\n\nChannel 1: No. It's\n\nChannel 0: really?\n\nChannel 1: just no. It's just yeah.\n\nChannel 0: Yeah.\n\nChannel 1: The fund's still going up and down like a yoyo. So, yes, it's not\n\nChannel 0: Yeah. Just do you show? Alright. Perfect. Now bear with me as I go through some of your details here.\n\nNow I guess when it comes to your personal information, has any of that changed or, you know, still married with one financial dependent at home?\n\nChannel 1: Yep. Yep. All the same.\n\nChannel 0: Yep. Perfect. Now I do have here next of kin Anne nominated.\n\nChannel 1: Yep.\n\nChannel 0: Is that still\n\nChannel 1: Yes.\n\nChannel 0: the case?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: And, like\n\nChannel 0: Perfect.\n\nChannel 1: yeah.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Well, that's not the real name, and that's what we call them.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: And do do does she have a contact number or anything that in the event that, you know, we cannot get in touch with you at all?\n\nChannel 1: Yeah. I'll just\n\nChannel 0: Yeah.\n\nChannel 1: have to find it. I\n\nChannel 0: Yeah.\n\nChannel 1: don't\n\nChannel 0: That's\n\nChannel 1: know\n\nChannel 0: okay.\n\nChannel 1: I don't know if I can.\n\nChannel 0: That's okay. Honestly, most people don't nowadays because you don't really have to. They don't have to memorize it anymore.\n\nChannel 1: Yeah. I know it's a 49 what is it? It's yeah. 0491\n\nChannel 0: Yep.\n\nChannel 1: 090\n\nChannel 0: Zero.\n\nChannel 1: 5\n\nChannel 0: Yep.\n\nChannel 1: 579. Because we we try to get her a super fund, but she doesn't have enough money in the super fund, so they didn't\n\nChannel 0: Okay.\n\nChannel 1: there's not enough money.\n\nChannel 0: Do you know how much she has roughly at the moment? I'm\n\nChannel 1: That's\n\nChannel 0: not\n\nChannel 1: 30\n\nChannel 0: sure.\n\nChannel 1: thousand or 35,000 or something.\n\nChannel 0: Okay. It's definitely something we can look at for her. We do have other options, you know, especially if you have a a lower balance. So, obviously, we don't wanna make sure that fees are eroded.\n\nChannel 1: Yes.\n\nChannel 0: Is it something that she would be open to revisit,\n\nChannel 1: Well, we tried\n\nChannel 0: do you think?\n\nChannel 1: a year or so ago, and they just said, no. There's enough money. So they just said, no. It's enough money, and that was the end of it. And it's I think the actual fund's still there.\n\nIt's it hasn't\n\nChannel 0: Yeah.\n\nChannel 1: actually been deleted.\n\nChannel 0: Yeah. It's up to you. I would be more than happy to do some more research for her and see if we can now help her and put her in a better position. You know, it obviously doesn't cost anything. It's just a free review.\n\nIf it's something that, you know, she's she's happy to, I'd be more than happy to do that research for her.\n\nChannel 1: Yeah. This we yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I have to log back into her Superfund to send us through it in there. I I have to do it all. She she tells me to do everything. I'm not let she doesn't know how to do it, so I do it all.\n\nChannel 0: Yeah. No. That's okay. You are more than happy to do it. Obviously, as long as, you know, she's on the phone with you,\n\nChannel 1: Yes. Yep.\n\nChannel 0: then that would be that would be perfect. When is typically because I can set up a bit of a call to do that, obviously, separate. When is, you know, typically a good time? Like, when will\n\nChannel 1: Well,\n\nChannel 0: you be\n\nChannel 1: next\n\nChannel 0: home?\n\nChannel 1: week. Because next week, I'm home for the whole week, and I just have to work out what day she's not when she's working, not working.\n\nChannel 0: Okay. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Do you want me to\n\nChannel 1: I\n\nChannel 0: book\n\nChannel 1: think\n\nChannel 0: in something sensitively,\n\nChannel 1: well,\n\nChannel 0: or\n\nChannel 1: when\n\nChannel 0: do you wanna,\n\nChannel 1: Wednesday's\n\nChannel 0: like\n\nChannel 1: where she's\n\nChannel 0: yeah.\n\nChannel 1: gonna be home in the afternoon.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: About 04:00?\n\nChannel 1: Yeah.\n\nChannel 0: Do you\n\nChannel 1: That'd\n\nChannel 0: think that\n\nChannel 1: be fine.\n\nChannel 0: would be?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Alright. Perfect. And that would obviously be Queensland time?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Alright. Perfect. That is Wednesday, the eighteenth, at 4PM. Now would you like us to give you a call, and then, obviously, she will\n\nChannel 1: Or give\n\nChannel 0: be\n\nChannel 1: me\n\nChannel 0: there\n\nChannel 1: a\n\nChannel 0: or\n\nChannel 1: ring\n\nChannel 0: 45\n\nChannel 1: first, and\n\nChannel 0: 5\n\nChannel 1: then\n\nChannel 0: 5?\n\nChannel 1: I can yeah. If we can put her on loudspeaker or whatever.\n\nChannel 0: Yep.\n\nChannel 1: So she\n\nChannel 0: Yep.\n\nChannel 1: does do some messaging during the day, so she might\n\nChannel 0: Yeah.\n\nChannel 1: be busy. But at the moment, she hasn't got any. So that.\n\nChannel 0: Yep. Okay. Perfect. We'll schedule that in. We'll call your phone number.\n\nYou know, if anything changes\n\nChannel 1: Yep.\n\nChannel 0: and you can't make it, you know, we can always just reshuffle\n\nChannel 1: Yep.\n\nChannel 0: it and see where we can do that for you.\n\nChannel 1: And I'll log in to her account to see how much money she's actually got now because\n\nChannel 0: Yes.\n\nChannel 1: she hasn't just got one. There's another one too. She's\n\nChannel 0: Oh, okay.\n\nChannel 1: got two\n\nChannel 0: Well,\n\nChannel 1: or three of them. So\n\nChannel 0: yeah. Okay. Yeah. If if you can, that will be great. We can obviously talk\n\nChannel 1: yeah.\n\nChannel 0: through that in the the process. But, yeah, definitely, we can, you know, have a look at that. There's, you know, options. And\n\nChannel 1: Yes.\n\nChannel 0: especially, it's always good as well when we are, you know, having couples because then we can help work with the two of you together because a lot of the time, you do have joint goals and stuff like that.\n\nChannel 1: Yes.\n\nChannel 0: And, you know, assist both of you. But, yeah, I'll definitely get that locked in. Now, otherwise, your your kind of employment detail, has any of that changed or that's kind of\n\nChannel 1: Not\n\nChannel 0: all the\n\nChannel 1: in the\n\nChannel 0: same?\n\nChannel 1: last two and a half years. It's the\n\nChannel 0: Perfect. And I don't think we've spoken before.\n\nChannel 1: same.\n\nChannel 0: What is it that you do for work?\n\nChannel 1: I'm a dredge operator. I sit out in the water,\n\nChannel 0: Oh,\n\nChannel 1: and\n\nChannel 0: yeah.\n\nChannel 1: I'm stuck up sand and come to the shore.\n\nChannel 0: Oh, yeah. Do you like it?\n\nChannel 1: Yes. That's\n\nChannel 0: Yeah.\n\nChannel 1: that's why I'm way down here, but it's really good money, and I'm away from home. But, yes,\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: Do\n\nChannel 1: out\n\nChannel 0: you what\n\nChannel 1: and\n\nChannel 0: do you\n\nChannel 1: it's\n\nChannel 0: do? Three weeks. What would what's your roster typically\n\nChannel 1: yeah. Three\n\nChannel 0: like?\n\nChannel 1: weeks. Yeah. Three weeks on,\n\nChannel 0: Yeah.\n\nChannel 1: and and I get ten days off.\n\nChannel 0: Oh, that's that's pretty good.\n\nChannel 1: Yes. Yeah. But\n\nChannel 0: And that's full time kind of with the\n\nChannel 1: yes.\n\nChannel 0: roster,\n\nChannel 1: Full\n\nChannel 0: I guess?\n\nChannel 1: time.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Now I have done here last time we spoke to income was around 90,000. Is that\n\nChannel 1: Yeah.\n\nChannel 0: still\n\nChannel 1: About\n\nChannel 0: roughly\n\nChannel 1: about\n\nChannel 0: the\n\nChannel 1: the\n\nChannel 0: same?\n\nChannel 1: same. Yes. Yes.\n\nChannel 0: Yep. Perfect. Now do you get paid, like, overtime or bonuses and stuff, or it's generally\n\nChannel 1: Well,\n\nChannel 0: kind\n\nChannel 1: that's\n\nChannel 0: of\n\nChannel 1: that's worth it. Yeah. The standard pay and then I get\n\nChannel 0: yep.\n\nChannel 1: a look and wait for home allowance,\n\nChannel 0: Yep.\n\nChannel 1: which is\n\nChannel 0: Perfect.\n\nChannel 1: 500 a week.\n\nChannel 0: Oh, yeah. Nice. And your employer, do they just pay you that standard 12% contribution into super, or\n\nChannel 1: Yes.\n\nChannel 0: do you have\n\nChannel 1: Yep.\n\nChannel 0: any\n\nChannel 1: That's\n\nChannel 0: yeah.\n\nChannel 1: that should\n\nChannel 0: Perfect.\n\nChannel 1: be going for the super fund itself. Yes.\n\nChannel 0: Yes. Yes.\n\nChannel 1: I think\n\nChannel 0: It\n\nChannel 1: they do\n\nChannel 0: is.\n\nChannel 1: every three months.\n\nChannel 0: Yeah. Most of them do do it quarterly.\n\nChannel 1: Yep.\n\nChannel 0: And you're not making any, you know, additional\n\nChannel 1: No.\n\nChannel 0: contributions,\n\nChannel 1: No.\n\nChannel 0: not just that of your employer. Perfect. And who's your employer as well? Just because I don't have that written down here.\n\nChannel 1: It's Davidson Dredging.\n\nChannel 0: Davidson. Perfect.\n\nChannel 1: Dredging. Yep. That's Sydney.\n\nChannel 0: And you said you've kind of been doing that for about two and a half years, did you say?\n\nChannel 1: Yes. But I've been working for\n\nChannel 0: Yeah.\n\nChannel 1: this guy off and off for twenty five years.\n\nChannel 0: Yeah. Okay. Perfect.\n\nChannel 1: Oh, yeah.\n\nChannel 0: At\n\nChannel 1: Same\n\nChannel 0: least you know\n\nChannel 1: same\n\nChannel 0: each\n\nChannel 1: boss.\n\nChannel 0: other well.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Now with your, you know, expenses and savings and stuff like that, do you is that something you keep an eye on? Like, do you know roughly your total bills and expenses\n\nChannel 1: Alright.\n\nChannel 0: per\n\nChannel 1: So\n\nChannel 0: year\n\nChannel 1: all over\n\nChannel 0: at all?\n\nChannel 1: the place. All over the place.\n\nChannel 0: Yep. No. That's okay. Most people say, not really sure and tend to obviously savings tend to fluctuate obviously based on bills and expenses. Now with your assets, so I have here your main property that you live in was last valued at about 650,000.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So that would be roughly the same, do you reckon?\n\nChannel 1: Yeah. That's 700 something thousand there. They're even\n\nChannel 0: Alright.\n\nChannel 1: saying up\n\nChannel 0: Perfect.\n\nChannel 1: to 800,000.\n\nChannel 0: Oh, yeah. Do you want me to change it to 8 or,\n\nChannel 1: Yeah.\n\nChannel 0: like,\n\nChannel 1: Because\n\nChannel 0: $7.50?\n\nChannel 1: it's in\n\nChannel 0: Yes.\n\nChannel 1: the actual app. It's it's all there, though.\n\nChannel 0: Oh, yes.\n\nChannel 1: Yeah. That's in the app. So but I I\n\nChannel 0: Yeah.\n\nChannel 1: don't know if that's really accurate because it's saying it's really high.\n\nChannel 0: Yeah. Well, a lot of property obviously have gone up crazy at the moment. So yeah. That's nice. And do you have a mortgage attached to that property?\n\nChannel 1: Yes. Yeah. So we got\n\nChannel 0: Yes.\n\nChannel 1: another\n\nChannel 0: Yes. And with\n\nChannel 1: five\n\nChannel 0: the loan, do you have a combined\n\nChannel 1: rentals.\n\nChannel 0: loan for it, or do you have, like, your property\n\nChannel 1: Well,\n\nChannel 0: and then\n\nChannel 1: that's it's it's there's three houses in one loan, and then there's another loan for all the other ones. So there's, like, four or five different loans. It's just a pain.\n\nChannel 0: okay. Yeah. And is that because you wanted to set up that certain way?\n\nChannel 1: No. This\n\nChannel 0: Or\n\nChannel 1: is why it worked out. Because at the start, there was, like, four houses on one loan, and then it went to three. And and now\n\nChannel 0: mhmm.\n\nChannel 1: there's one loan that's just totally dead money. And it's if it's yeah. So we're about to sell one of the houses, and and I'm gonna\n\nChannel 0: Okay.\n\nChannel 1: pay off a few few of those loans and get the the the because we can't buy another house at the moment because we're working with too many assets, but not\n\nChannel 0: Yep.\n\nChannel 1: enough income.\n\nChannel 0: Yeah. Okay. Yep.\n\nChannel 1: So\n\nChannel 0: So just trying to sell.\n\nChannel 1: so we're\n\nChannel 0: Yeah.\n\nChannel 1: yes. So we're actually selling one to get ourselves so we can buy another house, another rental.\n\nChannel 0: Yeah. And do you have a good, like, mortgage broker and stuff that you guys typically deal with?\n\nChannel 1: Well, we we've this Bank of Queensland, the broker\n\nChannel 0: Okay.\n\nChannel 1: we used to use, he's gone. He's just not answering his bloody phone. So\n\nChannel 0: Mhmm. Would\n\nChannel 1: yeah.\n\nChannel 0: you be orphan we have a couple of lenders that we work very closely with.\n\nChannel 1: I think, though, they did that last year, and that's when we we did that. And they said, no. We they can't lend us any money because we don't have enough money coming in,\n\nChannel 0: Okay.\n\nChannel 1: but we\n\nChannel 0: Okay.\n\nChannel 1: do we have too many assets. That's why we're selling.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. If it does change, though, because sometimes, like, it doesn't doesn't hurt to check, just let me know because I can always get them to give you a call and run through it with you. Again, it obviously doesn't cost you anything if you want a bit of a review again on the mortgages\n\nChannel 1: Well,\n\nChannel 0: and\n\nChannel 1: we'll\n\nChannel 0: how things\n\nChannel 1: we'll\n\nChannel 0: are.\n\nChannel 1: yeah. When we sell the house, we'll\n\nChannel 0: Yep.\n\nChannel 1: do that because we've actually\n\nChannel 0: Yep.\n\nChannel 1: had two buyers now pull out. They said,\n\nChannel 0: Okay.\n\nChannel 1: yeah. Yeah. We'll buy it. We'll buy it. And then they say, yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. We can't do this one. So it's\n\nChannel 0: Yeah.\n\nChannel 1: it's\n\nChannel 0: They like that. Okay. Well, just let me know,\n\nChannel 1: yeah.\n\nChannel 0: and I can always\n\nChannel 1: Yes.\n\nChannel 0: get them to give you a call whenever you're ready.\n\nChannel 1: Yep. Okay.\n\nChannel 0: But on the loan attached to your property, so the your the one that you live in, do you know roughly how much is on that one?\n\nChannel 1: It's a 100\n\nChannel 0: Five.\n\nChannel 1: and 20,000 or something.\n\nChannel 0: Okay. Perfect. Yep. Now, obviously, with your other properties, which one is it that you guys are looking at selling? Do you know, or\n\nChannel 1: Yes.\n\nChannel 0: you haven't\n\nChannel 1: That's\n\nChannel 0: really\n\nChannel 1: the\n\nChannel 0: decided?\n\nChannel 1: one at S, E S K.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And I had that valued at about $3.50\n\nChannel 1: Yeah. Well, it's\n\nChannel 0: last\n\nChannel 1: we've just been trying to sell it for 550.\n\nChannel 0: time. Oh, nice. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So about $5.50. Looking at selling that one. Now I do also have here Clifton, another property.\n\nChannel 1: Yep. That's\n\nChannel 0: You have\n\nChannel 1: saying\n\nChannel 0: that one\n\nChannel 1: the same\n\nChannel 0: as well?\n\nChannel 1: now is worth 400,000.\n\nChannel 0: Oh, nice. I have Richlands as well.\n\nChannel 1: Yeah. Jordan Street, that's the same now as 800,000.\n\nChannel 0: Oh, nice. And Blenheim?\n\nChannel 1: Yeah. Blenheim Road, that's they're saying about 350 to 400,000.\n\nChannel 0: Alright. Perfect. I'll put it at about 400. And then there's, I think, one more\n\nChannel 1: Camilla.\n\nChannel 0: coming out.\n\nChannel 1: Yes.\n\nChannel 0: I was like, I don't know how to pronounce that one. About $35,400 for that one\n\nChannel 1: Yes.\n\nChannel 0: as well?\n\nChannel 1: He is the same.\n\nChannel 0: Yeah. Yeah. Alright. Nice. Now, obviously, you said there's\n\nChannel 1: Yeah.\n\nChannel 0: a couple of different loan structures combined. Do you know roughly, like, the total of the\n\nChannel 1: One\n\nChannel 0: other\n\nChannel 1: one\n\nChannel 0: ones?\n\nChannel 1: point\n\nChannel 0: Like,\n\nChannel 1: 2,000,000.\n\nChannel 0: how much\n\nChannel 1: Yeah. 1.2.\n\nChannel 0: Yep. Alright. Perfect. And that includes the 120 on your property?\n\nChannel 1: Yeah. That's everything.\n\nChannel 0: $4.07.\n\nChannel 1: That's all the loans together\n\nChannel 0: Yeah.\n\nChannel 1: is 121.2.\n\nChannel 0: Yep. Okay. Perfect. Thank you so much. Now any other assets otherwise, any motor vehicles or boats or caravans?\n\nChannel 1: So we've got we've got three three cars.\n\nChannel 0: Pickup. Yep.\n\nChannel 1: Yeah. Ford Ranger, two I thirties, and then a caravan that's only worth $5.\n\nChannel 0: Caravan about 4. And if you were to kind of combine all the three motor vehicles, how much do you think that would be combined?\n\nChannel 1: Yep. 80,000, sir.\n\nChannel 0: About 8. Perfect. And anything owing on any of the cars or the caravan?\n\nChannel 1: No. Not old\n\nChannel 0: No.\n\nChannel 1: cash.\n\nChannel 0: Yeah. Great. Perfect. Any other, like, liabilities, personal loans, credit\n\nChannel 1: Well,\n\nChannel 0: cards, SIP pay?\n\nChannel 1: yeah, we got the solar loan for solar panels.\n\nChannel 0: Yep.\n\nChannel 1: Right. So so solar battery. We\n\nChannel 0: Yep.\n\nChannel 1: we pay cash for the solar panels. So we got that about 10,000 left.\n\nChannel 0: Yep. Okay. Perfect. Anything\n\nChannel 1: Yeah. And\n\nChannel 0: else?\n\nChannel 1: then we yeah. Yeah. And then we got a credit card, which is\n\nChannel 0: Yep.\n\nChannel 1: 11,000.\n\nChannel 0: Yep.\n\nChannel 1: And then we got\n\nChannel 0: Perfect.\n\nChannel 1: another loan that was that's payout to your credit card. Now it's full again. So that that's 10,000.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: That's\n\nChannel 0: And that's\n\nChannel 1: why\n\nChannel 0: also\n\nChannel 1: we wanna\n\nChannel 0: an\n\nChannel 1: sell\n\nChannel 0: yeah.\n\nChannel 1: sell the bloody house and get rid of these stupid bills.\n\nChannel 0: Yep. Yep. It's consolidated a little bit more.\n\nChannel 1: Yes.\n\nChannel 0: And that the other credit card, was that another 10, did you say,\n\nChannel 1: Yeah.\n\nChannel 0: roughly?\n\nChannel 1: That yeah. Yeah.\n\nChannel 0: Yeah. Alright. Perfect. Thank you so much for updating that. Now when it comes to your health and lifestyle, has any of that changed still a nonsmoker?\n\nChannel 1: Yes. No. No. No. No.\n\nNo.\n\nChannel 0: Non smoker. Yep. And any any health issues or any new medications? Alright.\n\nChannel 1: No.\n\nChannel 0: Perfect. And do you have private health insurance? Alright. And when it comes to a estate planning,\n\nChannel 1: No.\n\nChannel 0: do you have a will in place?\n\nChannel 1: No. For safe.\n\nChannel 0: Like, a will in place for\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: Yeah.\n\nChannel 0: assets\n\nChannel 1: Yes.\n\nChannel 0: or\n\nChannel 1: Yes.\n\nChannel 0: something? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: Perfect.\n\nChannel 1: We got wheels in place. Yes. No. We\n\nChannel 0: Amazing.\n\nChannel 1: got all that done for everything\n\nChannel 0: Yep.\n\nChannel 1: done by wheels.\n\nChannel 0: Yep. Perfect. And do you know if you have a power of attorney nomination as part of\n\nChannel 1: No.\n\nChannel 0: when you guys got no. That's okay.\n\nChannel 1: No. I don't think so. Because my son's too too young. He's only 15.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: now we haven't I think we've got power turning each way, I think. That\n\nChannel 0: Yep.\n\nChannel 1: is yeah. If I\n\nChannel 0: But\n\nChannel 1: die,\n\nChannel 0: you're\n\nChannel 1: my wife is in charge, and she does on charge,\n\nChannel 0: okay.\n\nChannel 1: I guess.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: That's meant to be. And you are not politically exposed to earning income overseas, are you?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Thank you very much. Let me see here. Now that was basically all of the personal details I need to run through with you.\n\nNow I guess kind of your other goals that you were working on, obviously, you're focusing on selling that one in property. You're trying to, you\n\nChannel 1: Yes.\n\nChannel 0: know, consolidate some of the debt and then maybe buy another one. Is there any other, you know, goals that you are working towards that you're wanting to achieve in the next, you know, couple of years or so? Retire? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Yeah. I'm seriously\n\nChannel 0: we've\n\nChannel 1: thinking about that, but I I don't know when I'm allowed to\n\nChannel 0: yeah,\n\nChannel 1: get something to my super. I think it's 55 now.\n\nChannel 0: it's 60 if you stop working. So at 60, if\n\nChannel 1: Yep.\n\nChannel 0: you stop working, you can access everything tax free. If you want to keep working, but you wanna access some of it, we can do that under a transition to retirement\n\nChannel 1: I wanna\n\nChannel 0: strategy.\n\nChannel 1: I wanna 100% retire so we can go basically live back in Thailand.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Because\n\nChannel 0: I\n\nChannel 1: we\n\nChannel 0: wouldn't\n\nChannel 1: own\n\nChannel 0: be\n\nChannel 1: we own,\n\nChannel 0: opposed\n\nChannel 1: like, four\n\nChannel 0: to\n\nChannel 1: houses\n\nChannel 0: that.\n\nChannel 1: over yeah. We own four houses in Thailand and cars and motorbikes\n\nChannel 0: Oh, nice.\n\nChannel 1: over there. Yes.\n\nChannel 0: Yeah. So that's kind of\n\nChannel 1: But\n\nChannel 0: the plan is do you think when\n\nChannel 1: yes.\n\nChannel 0: you turn 60, you might wanna do that?\n\nChannel 1: Yes. Before that. Yes.\n\nChannel 0: Yep.\n\nChannel 1: But if the\n\nChannel 0: Yep.\n\nChannel 1: sales sells and we we make this 500 profit\n\nChannel 0: Yep.\n\nChannel 1: or $400 profit, that that's enough money for me to to retire because I'll have rental incomes coming in and\n\nChannel 0: Yep. Yep.\n\nChannel 1: and we\n\nChannel 0: Yep.\n\nChannel 1: we might sell Jordan Street to actually pay out all the loans, and then we just live off the rent rentals.\n\nChannel 0: Yep. Yep. Perfect.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Lovely. And that's obviously so I guess through with that, I do wanna reassess maybe your risk profile, so your investments, just to make sure it's still appropriate because of the time frame. So you're looking at about, yeah, a couple of years, really,\n\nChannel 1: Yes.\n\nChannel 0: to potentially then take everything out. Now you would take it all as a lump sum if you could. Ideally,\n\nChannel 1: Yes.\n\nChannel 0: like, you wouldn't\n\nChannel 1: Yeah.\n\nChannel 0: have,\n\nChannel 1: Because\n\nChannel 0: like,\n\nChannel 1: I'll\n\nChannel 0: an income\n\nChannel 1: use\n\nChannel 0: just.\n\nChannel 1: no. We'll use that money to pay out some some of the loans so we can get the\n\nChannel 0: Yep.\n\nChannel 1: loan right down or sell\n\nChannel 0: Yep.\n\nChannel 1: Jordan Street to pay it all\n\nChannel 0: Yep. Alright. Perfect. Now going back to\n\nChannel 1: out.\n\nChannel 0: your risk profile, so making sure that we have your money invested in appropriate time frame for you, I'm just gonna quickly go through a couple of questions just to determine if we have you in a correct allocation or if we wanna make any tweaks and changes. Now there are\n\nChannel 1: Alright.\n\nChannel 0: just multiple choice to make it nice and easy. And if if they don't make sense, let me know because some of them can be a little bit tricky.\n\nChannel 1: Right.\n\nChannel 0: Now have you ever bought, like, direct shares or anything like that yourself before\n\nChannel 1: No.\n\nChannel 0: on the stock market? No.\n\nChannel 1: No. But my wife's doing something with that now, and I don't know if they really understand what she's doing. So\n\nChannel 0: Okay. Yeah. We can always have a bit of a review of that for her if, you know, at the time she\n\nChannel 1: Yeah.\n\nChannel 0: is wanting to do it. Alright. Perfect. And when it comes to taking on a bit of risk for your superannuation, are you in a position at the moment where you're wanting to take on, you know, a lot of risk or, like, a little bit of risk or bit of moderate risk? Or how would you\n\nChannel 1: Oh,\n\nChannel 0: kinda feel\n\nChannel 1: moderate\n\nChannel 0: if you're\n\nChannel 1: risk. Yes. So\n\nChannel 0: Yep.\n\nChannel 1: I just\n\nChannel 0: Moderate? Perfect. And I guess if you saw your superannuation fell full in value by 20% after making a investment, kind of due to a general trends in the market. Would you wanna mainly hold, wait and see what happens, you know, invest a little bit more for potential growth, or kind of feel like you would wanna shift to a more secure asset. It's a hard one.\n\nChannel 1: Yeah. Well,\n\nChannel 0: I'm\n\nChannel 1: I\n\nChannel 0: not\n\nChannel 1: just\n\nChannel 0: sure\n\nChannel 1: obviously\n\nChannel 0: it depends\n\nChannel 1: want\n\nChannel 0: on\n\nChannel 1: more as much\n\nChannel 0: yay.\n\nChannel 1: money as I possibly can when I retire.\n\nChannel 0: Yes. No. Exactly. No. That's fine.\n\nAnd I guess, like, a a return that you will be happy with each year from your investments, would you kind of expect, you know, 8% and above or six to 8% or four to six or two to 4%?\n\nChannel 1: Oh, at least 6%.\n\nChannel 0: Only 6%. Alright. Perfect. So, yeah, basically, from this, you kind of have come out as, you know, your your balanced growth investor, which is the portfolio we currently have you in.\n\nChannel 1: Got\n\nChannel 0: But I do wanna kind of highlight the time frame. So part of, obviously, how you feel about fluctuations is making sure that we have an appropriate time frame. Because of how the money is invested, we wanna make sure that when you wanna take it out in two years' time, you know, it's not gonna be a lot of fluctuations at the time. And at the time, it's it's down a little bit.\n\nChannel 1: Yes.\n\nChannel 0: So when we have a balanced growth, which is what you have at the moment, we typically see about 70% of the money invested in what we would call your growth asset. Now this would be your Australian shares or your international shares and your property as well, and that is what's going to give you the growth. And then you do have about 30% in our defensive assets. So that will be, you know, your cash, your gold, your fixed interest. We're trying to limit fluctuation.\n\nChannel 1: Alright.\n\nChannel 0: Now, typically, with with that, we do wanna allow a minimum time frame of about five years for making sure that you have enough time in the market for those fluctuations. So, obviously, you wanting to access Uber a little bit sooner than that. I can look at one step down, which is our balanced portfolio. So\n\nChannel 1: Not.\n\nChannel 0: a balanced portfolio is you wanna you're still wanting to get some growth of your superannuation while you are working and you are contributing, but you want a bit more of that conservative element to your portfolio to limit fluctuations a little bit more. Because if you wanna access that in two years' time, we don't want it to be down heavily at the time.\n\nChannel 1: Yeah.\n\nChannel 0: So the difference is about 10%. So you still have about 60% in those growth investments and focusing on that, and then about 40 in defensive. So about a 10% difference. And when we are looking at a time frame, we are looking more around your three year. So that will be\n\nChannel 1: Alright.\n\nChannel 0: a little bit more suitable from, you know, where you are currently at.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yes. Because it's just\n\nChannel 0: Yeah.\n\nChannel 1: it it might it might change because I'm I was waiting here till my son is old enough to come in and take over my job.\n\nChannel 0: Yep.\n\nChannel 1: And he we have to wait till he's 18. He's only just about\n\nChannel 0: Yes.\n\nChannel 1: turned 16. So so if he comes down, then they'll probably will work for another year, so he will\n\nChannel 0: Okay.\n\nChannel 1: be three\n\nChannel 0: Yeah.\n\nChannel 1: years.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: right.\n\nChannel 0: what I\n\nChannel 1: Yeah.\n\nChannel 0: can do what I can do for you, if you would like me to, is I can do a bit of a review on your super and your investments, see what the changes would be like if we look through, reduce it down to the balance growth for you.\n\nChannel 1: Yeah.\n\nChannel 0: I can do kinda put together that research for you, run through it with you, and then you can let me know what your your thought is when you know, you know, what it's going to look like.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. You happy for me to do that?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep. Perfect. And talking about your investments as well, so after the review today, in the next couple of days, you will also get an email, kind of your typical annual review pack email. So you will have a performance report and a bit of a summary of your superannuation, kind of what's obviously changed in the last twelve months. Now I did have a look at your super balance as of last year to kind of give you that comparison.\n\nIs that something you keep an eye on\n\nChannel 1: Yes.\n\nChannel 0: a lot?\n\nChannel 1: But\n\nChannel 0: Okay.\n\nChannel 1: I\n\nChannel 0: You're\n\nChannel 1: you you\n\nChannel 0: you're\n\nChannel 1: changed\n\nChannel 0: pretty across.\n\nChannel 1: something you changed some new ID thing. I would have pain that pain that was locked back in.\n\nChannel 0: Yes. The the\n\nChannel 1: It wouldn't\n\nChannel 0: IP and\n\nChannel 1: yeah.\n\nChannel 0: security is\n\nChannel 1: I don't know. But, yeah, you had the scanning\n\nChannel 0: yeah.\n\nChannel 1: code thing, and how do you take a photo of it when you're on your phone? That was just it. Just\n\nChannel 0: Yeah. It's\n\nChannel 1: yeah.\n\nChannel 0: a bit\n\nChannel 1: Eventually, you had to use my iPad and do that and do this\n\nChannel 0: yeah.\n\nChannel 1: and do that, and then, eventually, I log back in again.\n\nChannel 0: Yeah. It's a bit yeah. It's a bit it's a bit frustrating sometimes, especially with all their authentication apps as well sometimes.\n\nChannel 1: I\n\nChannel 0: It\n\nChannel 1: know.\n\nChannel 0: drives\n\nChannel 1: It's\n\nChannel 0: me insane.\n\nChannel 1: been harder and harder. I I know I know why because\n\nChannel 0: Yes.\n\nChannel 1: people are getting ripped off all the time now. So, yes, that's\n\nChannel 0: Exactly.\n\nChannel 1: that.\n\nChannel 0: Exactly. Now last year when you had your annual review with my colleague, Dana, your super balance was at around 212,074.\n\nChannel 1: Yes.\n\nChannel 0: And right now, it's at 252 at 304.\n\nChannel 1: Yes.\n\nChannel 0: So it's gone\n\nChannel 1: There\n\nChannel 0: up.\n\nChannel 1: it is. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It was down to $2.49 last week, and now it's back up.\n\nChannel 0: Yeah. So with the investments as well, I do wanna do a bit more of an kind of an in-depth review of them. Now overall, your portfolio has been pretty, you know, okay for where it's at, but there is one particular one that's kind of been underperforming a little bit, and that is your Benelung Australian equity. So that one is your your managed fund, and they've kind of been down, lately. They had a bit of, one of the investments that they were interested in, they got suspended for trading because of reporting and stuff like that, which caused them to reevaluate\n\nChannel 1: Alright.\n\nChannel 0: it. So\n\nChannel 1: Okay.\n\nChannel 0: what I would like to do is specifically look at potentially removing that if it's, appropriate for you and then swapping swapping it out with something else that's doing\n\nChannel 1: Okay.\n\nChannel 0: a little bit because we\n\nChannel 1: Yep.\n\nChannel 0: still wanna make sure that in the next, you know, two to three or four years that we do wanna, you know, make sure your your money is growing. And if there is one of the investments we have you in at the moment that is not doing as well as we anticipated, then we do wanna look at changing that.\n\nChannel 1: Yep. That's it.\n\nChannel 0: So when I do look at, you know, reducing the risk profile, I'll specifically look at potentially changing that if if it's appropriate and look at your other investments as well just to make sure it's still doing good. But still, obviously, wanna make sure we would minimize, you know, if there's any tax or anything like that, because you do wanna take it up soon.\n\nChannel 1: Yep.\n\nChannel 0: So that will be part of the document. So you'll have a bit of a performance report on your whole portfolio there for you. You will have that summary, and then you will also have an ongoing service agreement. Now that will be similar to the one you had last year, which is basically to say that you are happy to stay on as a client for the next twelve months. So you will get that one emailed out through you.\n\nObviously, have a read over it. Any questions, let us know. But, otherwise, if you wanna press sign when you get it, we'll get all those details back, and we can obviously keep servicing you in the meantime. Now I will, like I said, do some research on your investments as well and get all of that sorted. Now it could take maybe, like, two weeks or so for me to get all of that together.\n\nBut as soon as I'm through, I will give you a call, run through the suggestions, and then you can let me know, you know, if you would like to go ahead with a change or not.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. And I've also then tentatively locked in that Wednesday, the eighteenth,\n\nChannel 1: Mhmm.\n\nChannel 0: at 4PM to run\n\nChannel 1: Yes.\n\nChannel 0: through the the research and see if we can help your partner and put her in a better\n\nChannel 1: Okay.\n\nChannel 0: position as well. But we'll\n\nChannel 1: No\n\nChannel 0: give\n\nChannel 1: worries.\n\nChannel 0: you a call, and then we'll take her from there.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. No problem. Do you have any other questions for me or anything\n\nChannel 1: No.\n\nChannel 0: else?\n\nChannel 1: That's that's better.\n\nChannel 0: Yeah. Great. Perfect. Well, thank you so much for your time, and I look forward to\n\nChannel 1: Yep.\n\nChannel 0: speaking with you soon again.\n\nChannel 1: No worries. Okay. Thanks. Okay.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":5.2799997,"end":5.92,"sentiment":"neutral","sentiment_score":0.23348113149404526},{"text":"Is this Lindsay?","start":5.92,"end":6.66,"sentiment":"neutral","sentiment_score":0.10714779794216156}],"sentiment":"neutral","sentiment_score":0.15768113136291503,"channel":0,"num_words":5,"start":5.2799997,"end":6.66},{"sentences":[{"text":"Hello?","start":7.2799997,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.05908655375242233}],"sentiment":"neutral","sentiment_score":0.05908655375242233,"channel":1,"num_words":1,"start":7.2799997,"end":7.7799997},{"sentences":[{"text":"Good afternoon.","start":8.88,"end":9.599999,"sentiment":"neutral","sentiment_score":0.19940515607595444},{"text":"Is this Lindsay?","start":9.599999,"end":10.42,"sentiment":"neutral","sentiment_score":0.10358276963233948}],"sentiment":"neutral","sentiment_score":0.14191172420978546,"channel":0,"num_words":5,"start":8.88,"end":10.42},{"sentences":[{"text":"Yes.","start":10.719999,"end":10.96,"sentiment":"neutral","sentiment_score":0.11504428833723068},{"text":"Speaking.","start":10.96,"end":11.46,"sentiment":"neutral","sentiment_score":0.1149854063987732}],"sentiment":"neutral","sentiment_score":0.11501484736800194,"channel":1,"num_words":2,"start":10.719999,"end":11.46},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":12.0,"end":14.0199995,"sentiment":"neutral","sentiment_score":0.19017602503299713},{"text":"How are you this afternoon?","start":14.08,"end":15.219999,"sentiment":"neutral","sentiment_score":0.24893923103809357}],"sentiment":"neutral","sentiment_score":0.21688657321713187,"channel":0,"num_words":11,"start":12.0,"end":15.219999},{"sentences":[{"text":"Good.","start":15.815001,"end":16.055,"sentiment":"positive","sentiment_score":0.3665626049041748},{"text":"So who you want?","start":16.055,"end":17.035,"sentiment":"neutral","sentiment_score":0.1530551128089428}],"sentiment":"neutral","sentiment_score":0.1957566112279892,"channel":1,"num_words":5,"start":15.815001,"end":17.035},{"sentences":[{"text":"Oakview Financial.","start":18.085,"end":19.064999,"sentiment":"neutral","sentiment_score":0.1151876263320446}],"sentiment":"neutral","sentiment_score":0.1151876263320446,"channel":0,"num_words":2,"start":18.085,"end":19.064999},{"sentences":[{"text":"Fine.","start":19.805,"end":20.055,"sentiment":"neutral","sentiment_score":0.2372744381427765},{"text":"Yeah.","start":20.055,"end":20.455,"sentiment":"neutral","sentiment_score":0.18365001678466797},{"text":"Okay.","start":20.455,"end":20.955,"sentiment":"neutral","sentiment_score":0.16392561793327332}],"sentiment":"neutral","sentiment_score":0.19495002428690592,"channel":1,"num_words":3,"start":19.805,"end":20.955},{"sentences":[{"text":"I was just giving you a quick call to see if I could get you booked in for your under review that's coming up or if now is a good time for you to run through that.","start":22.005,"end":31.5,"sentiment":"neutral","sentiment_score":0.1574913907695461}],"sentiment":"neutral","sentiment_score":0.1574913907695461,"channel":0,"num_words":37,"start":22.005,"end":31.5},{"sentences":[{"text":"Yeah.","start":32.66,"end":33.059998,"sentiment":"neutral","sentiment_score":-0.035411953926086426},{"text":"Yeah.","start":33.059998,"end":33.54,"sentiment":"neutral","sentiment_score":-0.06710246205329895},{"text":"Because I'm down in Sydney, so I'm too far away in here.","start":33.54,"end":36.44,"sentiment":"neutral","sentiment_score":-0.23753156637152037}],"sentiment":"neutral","sentiment_score":-0.210920943745545,"channel":1,"num_words":14,"start":32.66,"end":36.44},{"sentences":[{"text":"Yeah.","start":36.78,"end":37.02,"sentiment":"neutral","sentiment_score":-0.11318565905094148},{"text":"No.","start":37.02,"end":37.34,"sentiment":"neutral","sentiment_score":-0.2045617997646332},{"text":"Are you happy to kind of run through that now, or","start":37.34,"end":39.98,"sentiment":"neutral","sentiment_score":-0.12678968229077078}],"sentiment":"neutral","sentiment_score":-0.13172568953954256,"channel":0,"num_words":13,"start":36.78,"end":39.98},{"sentences":[{"text":"Yes.","start":39.86,"end":40.26,"sentiment":"neutral","sentiment_score":-0.03189115971326828}],"sentiment":"neutral","sentiment_score":-0.03189115971326828,"channel":1,"num_words":1,"start":39.86,"end":40.26},{"sentences":[{"text":"is now","start":39.98,"end":40.46,"sentiment":"neutral","sentiment_score":-0.02490136120468378}],"sentiment":"neutral","sentiment_score":-0.02490136120468378,"channel":0,"num_words":2,"start":39.98,"end":40.46},{"sentences":[{"text":"Yep.","start":40.26,"end":40.5,"sentiment":"neutral","sentiment_score":-0.05739002674818039}],"sentiment":"neutral","sentiment_score":-0.05739002674818039,"channel":1,"num_words":1,"start":40.26,"end":40.5},{"sentences":[{"text":"not","start":40.46,"end":40.7,"sentiment":"neutral","sentiment_score":-0.09149109572172164}],"sentiment":"neutral","sentiment_score":-0.09149109572172164,"channel":0,"num_words":1,"start":40.46,"end":40.7},{"sentences":[{"text":"That's fine.","start":40.5,"end":41.14,"sentiment":"neutral","sentiment_score":-0.09518307074904442}],"sentiment":"neutral","sentiment_score":-0.09518307074904442,"channel":1,"num_words":2,"start":40.5,"end":41.14},{"sentences":[{"text":"yeah.","start":40.86,"end":41.36,"sentiment":"neutral","sentiment_score":0.0028995517641305923}],"sentiment":"neutral","sentiment_score":0.0028995517641305923,"channel":0,"num_words":1,"start":40.86,"end":41.36},{"sentences":[{"text":"Yeah.","start":41.14,"end":41.3,"sentiment":"neutral","sentiment_score":0.07824132591485977},{"text":"That's fine.","start":41.3,"end":42.04,"sentiment":"neutral","sentiment_score":0.1354188621044159}],"sentiment":"neutral","sentiment_score":0.11635968337456386,"channel":1,"num_words":3,"start":41.14,"end":42.04},{"sentences":[{"text":"Yeah.","start":41.58,"end":42.08,"sentiment":"neutral","sentiment_score":0.13014638423919678},{"text":"Alright.","start":42.22,"end":42.72,"sentiment":"neutral","sentiment_score":0.23263368010520935},{"text":"Perfect.","start":42.78,"end":43.28,"sentiment":"positive","sentiment_score":0.4195115566253662},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":44.165,"end":52.184998,"sentiment":"neutral","sentiment_score":0.08348494623937915}],"sentiment":"neutral","sentiment_score":0.09912720454089782,"channel":0,"num_words":34,"start":41.58,"end":52.184998},{"sentences":[{"text":"Yep.","start":52.385002,"end":52.885002,"sentiment":"neutral","sentiment_score":0.08993063867092133}],"sentiment":"neutral","sentiment_score":0.08993063867092133,"channel":1,"num_words":1,"start":52.385002,"end":52.885002},{"sentences":[{"text":"Yep.","start":53.204998,"end":53.605,"sentiment":"neutral","sentiment_score":0.14084719121456146},{"text":"Perfect.","start":53.605,"end":54.105,"sentiment":"positive","sentiment_score":0.3333790898323059},{"text":"And just to confirm I am speaking with you with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":54.165,"end":62.47,"sentiment":"neutral","sentiment_score":0.13490838197798566}],"sentiment":"neutral","sentiment_score":0.14150223736801454,"channel":0,"num_words":31,"start":53.204998,"end":62.47},{"sentences":[{"text":"Yeah.","start":62.32,"end":62.8,"sentiment":"neutral","sentiment_score":0.01263351272791624},{"text":"But is this is this my what do you call my super fund?","start":62.8,"end":67.939995,"sentiment":"neutral","sentiment_score":-0.007517649004092583}],"sentiment":"neutral","sentiment_score":-0.006078280308949096,"channel":1,"num_words":14,"start":62.32,"end":67.939995},{"sentences":[{"text":"Yes.","start":68.21,"end":68.71,"sentiment":"neutral","sentiment_score":0.0045336512848734856}],"sentiment":"neutral","sentiment_score":0.0045336512848734856,"channel":0,"num_words":1,"start":68.21,"end":68.71},{"sentences":[{"text":"Yeah.","start":69.68,"end":69.92,"sentiment":"neutral","sentiment_score":-0.0024292180314660072},{"text":"Pursue a different 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yeah.","start":76.274994,"end":76.674995,"sentiment":"neutral","sentiment_score":0.05399814620614052},{"text":"Good.","start":76.674995,"end":76.994995,"sentiment":"neutral","sentiment_score":0.15427343547344208}],"sentiment":"neutral","sentiment_score":0.08742324262857437,"channel":1,"num_words":3,"start":76.274994,"end":76.994995},{"sentences":[{"text":"that","start":76.704994,"end":77.104996,"sentiment":"neutral","sentiment_score":0.09756892174482346}],"sentiment":"neutral","sentiment_score":0.09756892174482346,"channel":0,"num_words":1,"start":76.704994,"end":77.104996},{"sentences":[{"text":"Yep.","start":76.994995,"end":77.155,"sentiment":"neutral","sentiment_score":0.0642416849732399},{"text":"Yep.","start":77.155,"end":77.395,"sentiment":"neutral","sentiment_score":0.03828650340437889},{"text":"No","start":77.395,"end":77.634995,"sentiment":"neutral","sentiment_score":0.009266715496778488}],"sentiment":"neutral","sentiment_score":0.037264967958132424,"channel":1,"num_words":3,"start":76.994995,"end":77.634995},{"sentences":[{"text":"yeah.","start":77.505,"end":78.005,"sentiment":"neutral","sentiment_score":-0.021623266860842705}],"sentiment":"neutral","sentiment_score":-0.021623266860842705,"channel":0,"num_words":1,"start":77.505,"end":78.005},{"sentences":[{"text":"worries.","start":77.634995,"end":77.795,"sentiment":"neutral","sentiment_score":-0.014673104509711266},{"text":"Yeah.","start":77.795,"end":78.034996,"sentiment":"neutral","sentiment_score":-0.01035548560321331},{"text":"I 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Lake","start":80.034996,"end":81.174995,"sentiment":"neutral","sentiment_score":-0.005948758218437433}],"sentiment":"neutral","sentiment_score":-0.027106515131890774,"channel":1,"num_words":6,"start":78.435,"end":81.174995},{"sentences":[{"text":"Sorry.","start":81.024994,"end":81.524994,"sentiment":"neutral","sentiment_score":-0.011247403919696808}],"sentiment":"neutral","sentiment_score":-0.011247403919696808,"channel":0,"num_words":1,"start":81.024994,"end":81.524994},{"sentences":[{"text":"58 I'm just making 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good.","start":86.060005,"end":87.420006,"sentiment":"neutral","sentiment_score":0.23663867115974427},{"text":"You are.","start":87.420006,"end":87.58,"sentiment":"neutral","sentiment_score":0.04507601819932461},{"text":"I'm just saying I am a bit blocked in the nurse today, so I do do apologize if you couldn't hear me hear me very well.","start":87.58,"end":95.020004,"sentiment":"neutral","sentiment_score":-0.1934746503829956},{"text":"But yeah.","start":95.020004,"end":95.420006,"sentiment":"neutral","sentiment_score":-0.1005166471004486}],"sentiment":"neutral","sentiment_score":-0.11019246187061071,"channel":0,"num_words":36,"start":85.82,"end":95.420006},{"sentences":[{"text":"No.","start":95.420006,"end":95.58,"sentiment":"neutral","sentiment_score":-0.0949992910027504},{"text":"It's","start":95.58,"end":95.82,"sentiment":"neutral","sentiment_score":-0.06833738088607788}],"sentiment":"neutral","sentiment_score":-0.08166833594441414,"channel":0,"num_words":2,"start":95.420006,"end":95.82},{"sentences":[{"text":"67.","start":95.6,"end":96.18,"sentiment":"neutral","sentiment_score":-0.06535829603672028}],"sentiment":"neutral","sentiment_score":-0.06535829603672028,"channel":1,"num_words":1,"start":95.6,"end":96.18},{"sentences":[{"text":"just to kind of go through a bit of your interview to see, you know, what's changed in your life, if you need to make any changes to the advice, give you a bit of a rundown on, obviously, your super annual performance or what's happened, essentially.","start":95.82,"end":107.495,"sentiment":"neutral","sentiment_score":-0.016090195863804918}],"sentiment":"neutral","sentiment_score":-0.016090195863804918,"channel":0,"num_words":47,"start":95.82,"end":107.495},{"sentences":[{"text":"Yep.","start":108.395,"end":108.895,"sentiment":"neutral","sentiment_score":0.0027340042870491743}],"sentiment":"neutral","sentiment_score":0.0027340042870491743,"channel":1,"num_words":1,"start":108.395,"end":108.895},{"sentences":[{"text":"Yeah.","start":109.075,"end":109.575,"sentiment":"neutral","sentiment_score":-0.00012052245438098907},{"text":"Now you said you're down in Sydney at the moment.","start":109.715004,"end":111.555,"sentiment":"neutral","sentiment_score":-0.03156124129891395},{"text":"Is that just for 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take her from there.","start":1630.3,"end":1632.56,"sentiment":"neutral","sentiment_score":0.11609950438141822}],"sentiment":"neutral","sentiment_score":0.11609950438141822,"channel":0,"num_words":10,"start":1630.3,"end":1632.56},{"sentences":[{"text":"Yep.","start":1632.51,"end":1632.99,"sentiment":"neutral","sentiment_score":0.13338612020015717},{"text":"No worries.","start":1632.99,"end":1633.5701,"sentiment":"neutral","sentiment_score":0.15543004870414734}],"sentiment":"neutral","sentiment_score":0.1480820725361506,"channel":1,"num_words":3,"start":1632.51,"end":1633.5701},{"sentences":[{"text":"Yep.","start":1633.26,"end":1633.76,"sentiment":"neutral","sentiment_score":0.1522884964942932},{"text":"No problem.","start":1633.9,"end":1634.4601,"sentiment":"neutral","sentiment_score":0.27560684084892273},{"text":"Do you have any other questions for me or 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from Oakview Financial schedule calls with Lindsay to discuss her financial situation and suggest potential changes to her advice. They schedule a call for the following week to do more research and do more research for her. The representatives also discuss the customer's risk profile and investments, emphasizing the importance of investing in the right time frame for her. They provide personal information and advise on returns on investment and a performance review of the customer's investment portfolio. The representatives also discuss potential changes to the customer's risk profile and offer to run through the suggestions and a service agreement."},"intents":{"segments":[{"text":"I was just giving you a quick call to see if I could get you booked in for your under review that's coming up or if now is a good time for you to run through that. Yeah.","start_word":34,"end_word":71,"intents":[{"intent":"Schedule call","confidence_score":0.10769046}]},{"text":"Now just before I do go in to kind of run through a bit of a fact finding and see what's changed, is there anything specific that you are, you know, wanting me to address today or go over or just just a bit of an update, No. really?","start_word":366,"end_word":414,"intents":[{"intent":"Address fund","confidence_score":0.029133549}]},{"text":"Now bear with me as I go through some of your details here. Now I guess when it comes to your personal information, has any of that changed or, you know, still married with one financial dependent at home? Yep.","start_word":443,"end_word":482,"intents":[{"intent":"Provide personal information","confidence_score":0.008500122}]},{"text":"And do do does she have a contact number or anything that in the event that, you know, we cannot get in touch with you at all? Yeah.","start_word":530,"end_word":557,"intents":[{"intent":"Provide contact number","confidence_score":0.20404625}]},{"text":"Do you know how much she has roughly at the moment?","start_word":643,"end_word":653,"intents":[{"intent":"Determine amount of money","confidence_score":0.041624974}]},{"text":"When is typically because I can set up a bit of a call to do that, obviously, separate.","start_word":910,"end_word":927,"intents":[{"intent":"Set up separate call","confidence_score":0.002608644}]},{"text":"Do you want me to I book think in something sensitively, well, or when do you wanna, Wednesday's like where she's yeah. gonna be home in the afternoon.","start_word":973,"end_word":1000,"intents":[{"intent":"Book review","confidence_score":0.07978604}]},{"text":"That is Wednesday, the eighteenth, at 4PM. Now would you like us to give you a call, and then, obviously, she will Or give be me there a or ring 45 first, and 5 then 5? I can yeah.","start_word":1031,"end_word":1069,"intents":[{"intent":"Schedule call","confidence_score":0.6602276}]},{"text":"We'll call your phone number. You know, if anything changes Yep. and you can't make it, you know, we can always just reshuffle Yep. it and see where we can do that for you.","start_word":1113,"end_word":1146,"intents":[{"intent":"Reshuffle phone number","confidence_score":0.18946786}]},{"text":"We can obviously talk yeah. through that in the the process. But, yeah, definitely, we can, you know, have a look at that. There's, you know, options. And Yes.","start_word":1196,"end_word":1224,"intents":[{"intent":"Discuss options","confidence_score":0.13227977}]},{"text":"especially, it's always good as well when we are, you know, having couples because then we can help work with the two of you together because a lot of the time, you do have joint goals and stuff like that. Yes.","start_word":1225,"end_word":1265,"intents":[{"intent":"Assist couples","confidence_score":0.1614272}]},{"text":"Now, otherwise, your your kind of employment detail, has any of that changed or that's kind of Not all the in the same?","start_word":1281,"end_word":1303,"intents":[{"intent":"Clarify employment details","confidence_score":0.008113233}]},{"text":"Now I have done here last time we spoke to income was around 90,000. Is that Yeah.","start_word":1441,"end_word":1457,"intents":[{"intent":"Inquire about salary","confidence_score":0.0033734129}]},{"text":"Now with your, you know, expenses and savings and stuff like that, do you is that something you keep an eye on? Like, do you know roughly your total bills and expenses Alright.","start_word":1666,"end_word":1698,"intents":[{"intent":"Inquire about living expenses and savings","confidence_score":0.0000013635998}]},{"text":"Now with your assets, so I have here your main property that you live in was last valued at about 650,000. Yes.","start_word":1735,"end_word":1756,"intents":[{"intent":"Inquire about property value","confidence_score":0.114700876}]},{"text":"And do you have a mortgage attached to that property? Yes. Yeah.","start_word":1851,"end_word":1862,"intents":[{"intent":"Ask about mortgage amortization","confidence_score":0.00006976918},{"intent":"Inquire about mortgage","confidence_score":0.112228304}]},{"text":"It's just a pain. okay. Yeah.","start_word":1920,"end_word":1925,"intents":[{"intent":"Decline loan application","confidence_score":0.00057031104}]},{"text":"And is that because you wanted to set up that certain way? No.","start_word":1926,"end_word":1938,"intents":[{"intent":"Clarify setup","confidence_score":0.00006664747}]},{"text":"pay off a few few of those loans and get the the the because we can't buy another house at the moment because we're working with too many assets, but not Yep. enough income. Yeah. Okay. Yep. So So just trying to sell. so we're Yeah. yes. So we're actually selling one to get ourselves so we can buy another house, another rental. Yeah.","start_word":1996,"end_word":2059,"intents":[{"intent":"Sell house","confidence_score":0.93704194}]},{"text":"And do you have a good, like, mortgage broker and stuff that you guys typically deal with?","start_word":2059,"end_word":2075,"intents":[{"intent":"Check mortgage broker","confidence_score":0.051214986}]},{"text":"If it does change, though, because sometimes, like, it doesn't doesn't hurt to check, just let me know because I can always get them to give you a call and run through it with you. Again, it obviously doesn't cost you anything if you want a bit of a review again on the mortgages Well, and we'll how things we'll are. yeah.","start_word":2169,"end_word":2230,"intents":[{"intent":"Review mortgages","confidence_score":0.1528855}]},{"text":"I wanna 100% retire so we can go basically live back in Thailand. Yeah.","start_word":3177,"end_word":3190,"intents":[{"intent":"Clarify retirement strategy","confidence_score":0.00010449328}]},{"text":"And that's obviously so I guess through with that, I do wanna reassess maybe your risk profile, so your investments, just to make sure it's still appropriate because of the time frame.","start_word":3317,"end_word":3348,"intents":[{"intent":"Review risk profile","confidence_score":0.040224593},{"intent":"Assess risk profile","confidence_score":0.012138434}]},{"text":"So you're looking at about, yeah, a couple of years, really, Yes.","start_word":3348,"end_word":3359,"intents":[{"intent":"Evaluate time frame","confidence_score":0.004640142}]},{"text":"just multiple choice to make it nice and easy. And if if they don't make sense, let me know because some of them can be a little bit tricky. Right.","start_word":3484,"end_word":3513,"intents":[{"intent":"Assess options","confidence_score":0.00001650227},{"intent":"Review investment choices","confidence_score":0.038748384}]},{"text":"We can always have a bit of a review of that for her if, you know, at the time she Yeah. is wanting to do it. Alright.","start_word":3557,"end_word":3583,"intents":[{"intent":"Review investment decisions","confidence_score":0.07539129},{"intent":"Review investment decisions","confidence_score":0.17163539},{"intent":"Review investment decisions","confidence_score":0.04370564}]},{"text":"And I guess if you saw your superannuation fell full in value by 20% after making a investment, kind of due to a general trends in the market. Would you wanna mainly hold, wait and see what happens, you know, invest a little bit more for potential growth, or kind of feel like you would wanna shift to a more secure asset.","start_word":3650,"end_word":3711,"intents":[{"intent":"Determine market trends","confidence_score":0.0041341144}]},{"text":"can do what I can do for you, if you would like me to, is I can do a bit of a review on your super and your investments, see what the changes would be like if we look through, reduce it down to the balance growth for you. Yeah.","start_word":4257,"end_word":4306,"intents":[{"intent":"Create portfolio review","confidence_score":0.0025097071}]},{"text":"Now overall, your portfolio has been pretty, you know, okay for where it's at, but there is one particular one that's kind of been underperforming a little bit, and that is your Benelung Australian equity. So that one is your your managed fund, and they've kind of been down, lately.","start_word":4678,"end_word":4727,"intents":[{"intent":"Update portfolios","confidence_score":0.00057687785}]},{"text":"still wanna make sure that in the next, you know, two to three or four years that we do wanna, you know, make sure your your money is growing. And if there is one of the investments we have you in at the moment that is not doing as well as we anticipated, then we do wanna look at changing that. Yep.","start_word":4799,"end_word":4860,"intents":[{"intent":"Update investments","confidence_score":0.00933896}]}]},"sentiments":{"segments":[{"text":"Good afternoon. Is this Lindsay? Hello? Good afternoon. Is this Lindsay? Yes. Speaking. This is Veronica from Oakview Financial. How are you this afternoon?","start_word":0,"end_word":23,"sentiment":"neutral","sentiment_score":0.16348519921302795},{"text":"Good.","start_word":24,"end_word":24,"sentiment":"positive","sentiment_score":0.3665626049041748},{"text":"So who you want? Oakview Financial. Fine. Yeah. Okay. I was just giving you a quick call to see if I could get you booked in for your under review that's coming up or if now is a good time for you to run through that. Yeah. Yeah. Because I'm down in Sydney, so I'm too far away in here. Yeah. No. Are you happy to kind of run through that now, or Yes. is now Yep. not That's fine. yeah. Yeah. That's fine. Yeah. Alright.","start_word":25,"end_word":110,"sentiment":"neutral","sentiment_score":0.030155625194311145},{"text":"Perfect.","start_word":111,"end_word":111,"sentiment":"positive","sentiment_score":0.4195115566253662},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Yep.","start_word":112,"end_word":144,"sentiment":"neutral","sentiment_score":0.08997111022472382},{"text":"Perfect.","start_word":145,"end_word":145,"sentiment":"positive","sentiment_score":0.3333790898323059},{"text":"And just to confirm I am speaking with you with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yeah. But is this is this my what do you call my super fund? Yes. Yeah. Pursue a different name. So if you so we are your advisers Oh, yeah. Good. that Yep. Yep. No yeah. worries. Yeah. I just Yeah. didn't hear that. Yeah. Lindsay Lake Sorry. 58 I'm just making sure. Lindsay No. Lake 5819 No. That's and that's totally good. You are. I'm just saying I am a bit blocked in the nurse today, so I do do apologize if you couldn't hear me hear me very well. But yeah. No. It's 67. just to kind of go through a bit of your interview to see, you know, what's changed in your life, if you need to make any changes to the advice, give you a bit of a rundown on, obviously, your super annual performance or what's happened, essentially. Yep. Yeah. Now you said you're down in Sydney at the moment. Is that just for work? Or Yeah. Yeah. I'm down here for work, and then I go home every three weeks. Yeah. Oh, yeah.","start_word":146,"end_word":353,"sentiment":"neutral","sentiment_score":-0.00380196852179674},{"text":"Perfect.","start_word":354,"end_word":354,"sentiment":"positive","sentiment_score":0.5854934453964233},{"text":"Well, I will try not to keep you for too long. Now just before I do go in to kind of run through a bit of a fact finding and see what's changed, is there anything specific that you are, you know, wanting me to address today or go over or just just a bit of an update, No. really? It's just no. It's just Yeah. yeah.","start_word":355,"end_word":421,"sentiment":"neutral","sentiment_score":-0.03074862994253635},{"text":"The fund's still going up and down like a yoyo.","start_word":422,"end_word":431,"sentiment":"negative","sentiment_score":-0.3872888386249542},{"text":"So, yes, it's not Yeah. Just do you show? Alright. Perfect. Now bear with me as I go through some of your details here. Now I guess when it comes to your personal information, has any of that changed or, you know, still married with one financial dependent at home? Yep. Yep. All the same. Yep. Perfect. Now I do have here next of kin Anne nominated. Yep. Is that still Yes. the case? Yeah. Yep. And, like Perfect. yeah. Yep. Perfect. Well, that's not the real name, and that's what we call them. No. That's okay. Yeah. And do do does she have a contact number or anything that in the event that, you know, we cannot get in touch with you at all? Yeah. I'll Yeah. just have to find it. I Yeah. don't That's know okay. I don't know if I can. That's okay. Honestly, most people don't nowadays because you don't really have to. They don't have to memorize it anymore. Yeah. I know it's a 49 what is it? It's yeah. 0491 Yep. 090 Zero. 5 Yep. 579. Because we we try to get her a super fund, but she doesn't have enough money in the super fund, so they didn't Okay. there's not enough money. Do you know how much she has roughly at the moment? I'm That's not 30 sure. thousand or 35,000 or something. Okay. It's definitely something we can look at for her. We do have other options, you know, especially if you have a a lower balance. So, obviously, we don't wanna make sure that fees are eroded. Yes. Is it something that she would be open to revisit, Well, we tried do you think? a year or so ago, and they just said, no. There's enough money. So they just said, no. It's enough money, and that was the end of it. And it's I think the actual fund's still there. It's it hasn't Yeah. actually been deleted. Yeah. It's up to you.","start_word":432,"end_word":765,"sentiment":"neutral","sentiment_score":-0.04767027499522278},{"text":"I would be more than happy to do some more research for her and see if we can now help her and put her in a better position. You know, it obviously doesn't cost anything. It's just a free review. If it's something that, you know, she's she's happy to, I'd be more than happy to do that research for her.","start_word":766,"end_word":826,"sentiment":"positive","sentiment_score":0.5226867198944092},{"text":"Yeah. This we yeah. Yeah. I have to log back into her Superfund to send us through it in there. I I have to do it all. She she tells me to do everything. I'm not let she doesn't know how to do it, so I do it all. Yeah. No. That's okay.","start_word":827,"end_word":879,"sentiment":"neutral","sentiment_score":-0.04947547987103462},{"text":"You are more than happy to do it.","start_word":880,"end_word":887,"sentiment":"positive","sentiment_score":0.6457904577255249},{"text":"Obviously, as long as, you know, she's on the phone with you, Yes. Yep.","start_word":888,"end_word":901,"sentiment":"neutral","sentiment_score":0.1790514886379242},{"text":"then that would be that would be perfect.","start_word":902,"end_word":909,"sentiment":"positive","sentiment_score":0.4206762909889221},{"text":"When is typically because I can set up a bit of a call to do that, obviously, separate. When is, you know, typically a good time? Like, when will Well, you be next home? week. Because next week, I'm home for the whole week, and I just have to work out what day she's not when she's working, not working. Okay. Yep. Yeah. Do you want me to I book think in something sensitively, well, or when do you wanna, Wednesday's like where she's yeah. gonna be home in the afternoon. Okay.","start_word":910,"end_word":1001,"sentiment":"neutral","sentiment_score":0.060611292719841},{"text":"Perfect.","start_word":1002,"end_word":1002,"sentiment":"positive","sentiment_score":0.33513984084129333},{"text":"Yeah. About 04:00? Yeah. Do you That'd think that be fine. would be? Yeah. Yeah. Alright.","start_word":1003,"end_word":1018,"sentiment":"neutral","sentiment_score":0.10889454279094934},{"text":"Perfect.","start_word":1019,"end_word":1019,"sentiment":"positive","sentiment_score":0.6354759931564331},{"text":"And that would obviously be Queensland time? Yes. Yes. Alright.","start_word":1020,"end_word":1029,"sentiment":"neutral","sentiment_score":0.18852725625038147},{"text":"Perfect.","start_word":1030,"end_word":1030,"sentiment":"positive","sentiment_score":0.4581160545349121},{"text":"That is Wednesday, the eighteenth, at 4PM. Now would you like us to give you a call, and then, obviously, she will Or give be me there a or ring 45 first, and 5 then 5? I can yeah. If we can put her on loudspeaker or whatever. Yep. So she Yep. does do some messaging during the day, so she might Yeah. be busy. But at the moment, she hasn't got any. So that. Yep. Okay.","start_word":1031,"end_word":1107,"sentiment":"neutral","sentiment_score":0.03112076409161091},{"text":"Perfect.","start_word":1108,"end_word":1108,"sentiment":"positive","sentiment_score":0.3352402448654175},{"text":"We'll schedule that in. We'll call your phone number. You know, if anything changes Yep. and you can't make it, you know, we can always just reshuffle Yep. it and see where we can do that for you. And I'll log in to her account to see how much money she's actually got now because Yes. she hasn't just got one. There's another one too. She's Oh, okay. got two Well, or three of them. So yeah. Okay. Yeah.","start_word":1109,"end_word":1187,"sentiment":"neutral","sentiment_score":0.05224015936255455},{"text":"If if you can, that will be great.","start_word":1188,"end_word":1195,"sentiment":"positive","sentiment_score":0.3519386351108551},{"text":"We can obviously talk yeah. through that in the the process. But, yeah, definitely, we can, you know, have a look at that. There's, you know, options. And Yes. especially, it's always good as well when we are, you know, having couples because then we can help work with the two of you together because a lot of the time, you do have joint goals and stuff like that. Yes. And, you know, assist both of you. But, yeah, I'll definitely get that locked in. Now, otherwise, your your kind of employment detail, has any of that changed or that's kind of Not all the in the same? last two and a half years. It's the Perfect. And I don't think we've spoken before. same. What is it that you do for work? I'm a dredge operator. I sit out in the water, Oh, and yeah. I'm stuck up sand and come to the shore. Oh, yeah. Do you like it? Yes. That's Yeah. that's why I'm way down here, but it's really good money, and I'm away from home. But, yes, Yeah. I'm Do out you what and do you it's do? Three weeks. What would what's your roster typically yeah. Three like? weeks. Yeah. Three weeks on, Yeah. and and I get ten days off.","start_word":1196,"end_word":1412,"sentiment":"neutral","sentiment_score":0.07998744020676284},{"text":"Oh, that's that's pretty good.","start_word":1413,"end_word":1417,"sentiment":"positive","sentiment_score":0.48992669582366943},{"text":"Yes. Yeah. But And that's full time kind of with the yes. roster, Full I guess? time. Yeah. Yes. Yeah. Perfect. Yes. Yes. Now I have done here last time we spoke to income was around 90,000. Is that Yeah. still About roughly about the the same? same. Yes. Yes. Yep. Perfect. Now do you get paid, like, overtime or bonuses and stuff, or it's generally Well, kind that's of that's worth it. Yeah. The standard pay and then I get yep. a look and wait for home allowance, Yep. which is Perfect. 500 a week. Oh, yeah. Nice. And your employer, do they just pay you that standard 12% contribution into super, or Yes. do you have Yep. any That's yeah. that should Perfect. be going for the super fund itself. Yes. Yes. Yes. I think It they do is. every three months. Yeah. Most of them do do it quarterly. Yep. And you're not making any, you know, additional No. contributions, No. not just that of your employer. Perfect. And who's your employer as well? Just because I don't have that written down here. It's Davidson Dredging. Davidson. Perfect. Dredging. Yep. That's Sydney. And you said you've kind of been doing that for about two and a half years, did you say? Yes. But I've been working for Yeah. this guy off and off for twenty five years. Yeah. Okay. Perfect. Oh, yeah. At Same least you know same each boss. other well. Yes. Yep. Now with your, you know, expenses and savings and stuff like that, do you is that something you keep an eye on? Like, do you know roughly your total bills and expenses Alright. per So year all over at all? the place. All over the place. Yep. No. That's okay. Most people say, not really sure and tend to obviously savings tend to fluctuate obviously based on bills and expenses. Now with your assets, so I have here your main property that you live in was last valued at about 650,000. Yes. Yep. So that would be roughly the same, do you reckon? Yeah. That's 700 something thousand there. They're even Alright. saying up Perfect. to 800,000. Oh, yeah. Do you want me to change it to 8 or, Yeah. like, Because $7.50? it's in Yes. the actual app. It's it's all there, though. Oh, yes. Yeah. That's in the app. So but I I Yeah. don't know if that's really accurate because it's saying it's really high. Yeah. Well, a lot of property obviously have gone up crazy at the moment. So yeah.","start_word":1418,"end_word":1848,"sentiment":"neutral","sentiment_score":0.04228100010783794},{"text":"That's nice.","start_word":1849,"end_word":1850,"sentiment":"positive","sentiment_score":0.535655677318573},{"text":"And do you have a mortgage attached to that property? Yes. Yeah. So we got Yes. another Yes. And with five the loan, do you have a combined rentals. loan for it, or do you have, like, your property Well, and then that's it's it's there's three houses in one loan, and then there's another loan for all the other ones. So there's, like, four or five different loans.","start_word":1851,"end_word":1919,"sentiment":"neutral","sentiment_score":-0.09133914858102798},{"text":"It's just a pain.","start_word":1920,"end_word":1923,"sentiment":"negative","sentiment_score":-0.5683677196502686},{"text":"okay. Yeah. And is that because you wanted to set up that certain way? No. This Or is why it worked out. Because at the start, there was, like, four houses on one loan, and then it went to three. And and now mhmm.","start_word":1924,"end_word":1967,"sentiment":"neutral","sentiment_score":-0.18491682410240173},{"text":"there's one loan that's just totally dead money. And it's if it's yeah.","start_word":1968,"end_word":1980,"sentiment":"negative","sentiment_score":-0.4488912522792816},{"text":"So we're about to sell one of the houses, and and I'm gonna Okay. pay off a few few of those loans and get the the the because we can't buy another house at the moment because we're working with too many assets, but not Yep. enough income. Yeah. Okay. Yep. So So just trying to sell. so we're Yeah. yes. So we're actually selling one to get ourselves so we can buy another house, another rental. Yeah. And do you have a good, like, mortgage broker and stuff that you guys typically deal with? Well, we we've this Bank of Queensland, the broker Okay. we used to use, he's gone. He's just not answering his bloody phone. So Mhmm. Would yeah. you be orphan we have a couple of lenders that we work very closely with. I think, though, they did that last year, and that's when we we did that. And they said, no.","start_word":1981,"end_word":2136,"sentiment":"neutral","sentiment_score":-0.10221533620586762},{"text":"We they can't lend us any money because we don't have enough money coming in, Okay.","start_word":2137,"end_word":2152,"sentiment":"negative","sentiment_score":-0.3343358635902405},{"text":"but we Okay. do we have too many assets. That's why we're selling. Okay. Yeah. Yep. If it does change, though, because sometimes, like, it doesn't doesn't hurt to check, just let me know because I can always get them to give you a call and run through it with you. Again, it obviously doesn't cost you anything if you want a bit of a review again on the mortgages Well, and we'll how things we'll are. yeah. When we sell the house, we'll Yep. do that because we've actually Yep. had two buyers now pull out. They said, Okay. yeah. Yeah. We'll buy it. We'll buy it. And then they say, yeah. Yeah. No. We can't do this one. So it's Yeah. it's They like that. Okay. Well, just let me know, yeah. and I can always Yes. get them to give you a call whenever you're ready. Yep. Okay. But on the loan attached to your property, so the your the one that you live in, do you know roughly how much is on that one? It's a 100 Five. and 20,000 or something. Okay.","start_word":2153,"end_word":2339,"sentiment":"neutral","sentiment_score":0.03837294167375819},{"text":"Perfect.","start_word":2340,"end_word":2340,"sentiment":"positive","sentiment_score":0.6827548742294312},{"text":"Yep. Now, obviously, with your other properties, which one is it that you guys are looking at selling? Do you know, or Yes. you haven't That's really the decided? one at S, E S K. Perfect. Yep. And I had that valued at about $3.50 Yeah. Well, it's last we've just been trying to sell it for 550. time. Oh, nice. Okay. Perfect. Yeah. So about $5.50. Looking at selling that one. Now I do also have here Clifton, another property. Yep. That's You have saying that one the same as well? now is worth 400,000. Oh, nice. I have Richlands as well. Yeah. Jordan Street, that's the same now as 800,000. Oh, nice. And Blenheim? Yeah. Blenheim Road, that's they're saying about 350 to 400,000. Alright. Perfect. I'll put it at about 400. And then there's, I think, one more Camilla. coming out. Yes. I was like, I don't know how to pronounce that one. About $35,400 for that one Yes. as well? He is the same. Yeah. Yeah. Alright. Nice. Now, obviously, you said there's Yeah. a couple of different loan structures combined. Do you know roughly, like, the total of the One other one ones? point Like, 2,000,000. how much Yeah. 1.2. Yep. Alright. Perfect. And that includes the 120 on your property? Yeah. That's everything. $4.07. That's all the loans together Yeah. is 121.2. Yep. Okay.","start_word":2341,"end_word":2570,"sentiment":"neutral","sentiment_score":0.04785294085741043},{"text":"Perfect. Thank you so much.","start_word":2571,"end_word":2575,"sentiment":"positive","sentiment_score":0.4641779661178589},{"text":"Now any other assets otherwise, any motor vehicles or boats or caravans? So we've got we've got three three cars. Pickup. Yep. Yeah. Ford Ranger, two I thirties, and then a caravan that's only worth $5. Caravan about 4. And if you were to kind of combine all the three motor vehicles, how much do you think that would be combined? Yep. 80,000, sir. About 8. Perfect. And anything owing on any of the cars or the caravan? No. Not old No. cash. Yeah.","start_word":2576,"end_word":2659,"sentiment":"neutral","sentiment_score":0.03134945105938684},{"text":"Great. Perfect.","start_word":2660,"end_word":2661,"sentiment":"positive","sentiment_score":0.6364807486534119},{"text":"Any other, like, liabilities, personal loans, credit Well, cards, SIP pay? yeah, we got the solar loan for solar panels. Yep. Right. So so solar battery. We Yep. we pay cash for the solar panels. So we got that about 10,000 left. Yep. Okay.","start_word":2662,"end_word":2705,"sentiment":"neutral","sentiment_score":0.09562839567661284},{"text":"Perfect.","start_word":2706,"end_word":2706,"sentiment":"positive","sentiment_score":0.34812384843826294},{"text":"Anything Yeah. And else? then we yeah. Yeah. And then we got a credit card, which is Yep. 11,000. Yep. And then we got Perfect. another loan that was that's payout to your credit card. Now it's full again. So that that's 10,000. Yep. Perfect. That's And that's why also we wanna an sell yeah. sell the bloody house and get rid of these stupid bills. Yep. Yep. It's consolidated a little bit more. Yes. And that the other credit card, was that another 10, did you say, Yeah. roughly? That yeah. Yeah. Yeah. Alright.","start_word":2707,"end_word":2801,"sentiment":"neutral","sentiment_score":0.0507795512676239},{"text":"Perfect. Thank you so much for updating that.","start_word":2802,"end_word":2809,"sentiment":"positive","sentiment_score":0.5124503374099731},{"text":"Now when it comes to your health and lifestyle, has any of that changed still a nonsmoker? Yes. No. No. No. No. No. Non smoker. Yep. And any any health issues or any new medications? Alright. No. Perfect. And do you have private health insurance? Alright. And when it comes to a estate planning, No. do you have a will in place? No. For safe. Like, a will in place for Yeah. your Yeah. assets Yes. or Yes. something? Yeah. Yep. Yeah. No. Perfect. We got wheels in place. Yes. No. We Amazing. got all that done for everything Yep. done by wheels. Yep. Perfect. And do you know if you have a power of attorney nomination as part of No. when you guys got no. That's okay. No. I don't think so. Because my son's too too young. He's only 15. Yeah. So Yeah. now we haven't I think we've got power turning each way, I think. That Yep. is yeah. If I But die, you're my wife is in charge, and she does on charge, okay. I guess. Yes. Yeah. That's meant to be. And you are not politically exposed to earning income overseas, are you? No. No.","start_word":2810,"end_word":3009,"sentiment":"neutral","sentiment_score":-0.00913446663878858},{"text":"Perfect. Thank you very much.","start_word":3010,"end_word":3014,"sentiment":"positive","sentiment_score":0.5952927470207214},{"text":"Let me see here. Now that was basically all of the personal details I need to run through with you. Now I guess kind of your other goals that you were working on, obviously, you're focusing on selling that one in property. You're trying to, you Yes. know, consolidate some of the debt and then maybe buy another one. Is there any other, you know, goals that you are working towards that you're wanting to achieve in the next, you know, couple of years or so? Retire? Yep. Yeah. And Yeah. I'm seriously we've thinking about that, but I I don't know when I'm allowed to yeah, get something to my super. I think it's 55 now. it's 60 if you stop working. So at 60, if Yep. you stop working, you can access everything tax free. If you want to keep working, but you wanna access some of it, we can do that under a transition to retirement I wanna strategy. I wanna 100% retire so we can go basically live back in Thailand. Yeah.","start_word":3015,"end_word":3190,"sentiment":"neutral","sentiment_score":0.05730177089571953},{"text":"Beautiful.","start_word":3191,"end_word":3191,"sentiment":"positive","sentiment_score":0.4440385103225708},{"text":"Because I we wouldn't own be we own, opposed like, four to houses that. over yeah. We own four houses in Thailand and cars and motorbikes Oh, nice. over there. Yes. Yeah. So that's kind of But the plan is do you think when yes. you turn 60, you might wanna do that? Yes. Before that. Yes. Yep. But if the Yep. sales sells and we we make this 500 profit Yep. or $400 profit, that that's enough money for me to to retire because I'll have rental incomes coming in and Yep. Yep. and we Yep. we might sell Jordan Street to actually pay out all the loans, and then we just live off the rent rentals. Yep. Yep.","start_word":3192,"end_word":3311,"sentiment":"neutral","sentiment_score":0.07494521141052246},{"text":"Perfect.","start_word":3312,"end_word":3312,"sentiment":"positive","sentiment_score":0.3615541458129883},{"text":"Yep. Yep.","start_word":3313,"end_word":3314,"sentiment":"neutral","sentiment_score":0.16263152658939362},{"text":"Lovely.","start_word":3315,"end_word":3315,"sentiment":"positive","sentiment_score":0.490708440542221},{"text":"And that's obviously so I guess through with that, I do wanna reassess maybe your risk profile, so your investments, just to make sure it's still appropriate because of the time frame. So you're looking at about, yeah, a couple of years, really, Yes. to potentially then take everything out. Now you would take it all as a lump sum if you could. Ideally, like, Yes. you wouldn't Yeah. have, Because like, an I'll income use just. no. We'll use that money to pay out some some of the loans so we can get the Yep. loan right down or sell Yep. Jordan Street to pay it all Yep.","start_word":3316,"end_word":3424,"sentiment":"neutral","sentiment_score":0.05982660502195358},{"text":"Alright. Perfect.","start_word":3425,"end_word":3426,"sentiment":"positive","sentiment_score":0.6183918118476868},{"text":"Now going back to out. your risk profile, so making sure that we have your money invested in appropriate time frame for you, I'm just gonna quickly go through a couple of questions just to determine if we have you in a correct allocation or if we wanna make any tweaks and changes. Now there are Alright.","start_word":3427,"end_word":3483,"sentiment":"neutral","sentiment_score":0.1685512214899063},{"text":"just multiple choice to make it nice and easy.","start_word":3484,"end_word":3492,"sentiment":"positive","sentiment_score":0.435808390378952},{"text":"And if if they don't make sense, let me know because some of them can be a little bit tricky. Right. Now have you ever bought, like, direct shares or anything like that yourself before No. on the stock market? No. No. But my wife's doing something with that now, and I don't know if they really understand what she's doing. So Okay. Yeah. We can always have a bit of a review of that for her if, you know, at the time she Yeah. is wanting to do it.","start_word":3493,"end_word":3582,"sentiment":"neutral","sentiment_score":-0.03861068561673165},{"text":"Alright. Perfect.","start_word":3583,"end_word":3584,"sentiment":"positive","sentiment_score":0.48740893602371216},{"text":"And when it comes to taking on a bit of risk for your superannuation, are you in a position at the moment where you're wanting to take on, you know, a lot of risk or, like, a little bit of risk or bit of moderate risk? Or how would you Oh, kinda feel moderate if you're risk. Yes. So Yep. I just Moderate?","start_word":3585,"end_word":3647,"sentiment":"neutral","sentiment_score":0.004717291332781315},{"text":"Perfect.","start_word":3648,"end_word":3648,"sentiment":"positive","sentiment_score":0.550041139125824},{"text":"And I guess if you saw your superannuation fell full in value by 20% after making a investment, kind of due to a general trends in the market. Would you wanna mainly hold, wait and see what happens, you know, invest a little bit more for potential growth, or kind of feel like you would wanna shift to a more secure asset.","start_word":3649,"end_word":3710,"sentiment":"neutral","sentiment_score":-0.2243004739284515},{"text":"It's a hard one.","start_word":3711,"end_word":3714,"sentiment":"negative","sentiment_score":-0.44119057059288025},{"text":"Yeah. Well, I'm I not just sure obviously it depends want on more as much yay. money as I possibly can when I retire. Yes. No. Exactly. No. That's fine. And I guess, like, a a return that you will be happy with each year from your investments, would you kind of expect, you know, 8% and above or six to 8% or four to six or two to 4%? Oh, at least 6%. Only 6%. Alright.","start_word":3715,"end_word":3791,"sentiment":"neutral","sentiment_score":-0.013354655355215073},{"text":"Perfect.","start_word":3792,"end_word":3792,"sentiment":"positive","sentiment_score":0.5218007564544678},{"text":"So, yeah, basically, from this, you kind of have come out as, you know, your your balanced growth investor, which is the portfolio we currently have you in. Got But I do wanna kind of highlight the time frame. So part of, obviously, how you feel about fluctuations is making sure that we have an appropriate time frame. Because of how the money is invested, we wanna make sure that when you wanna take it out in two years' time, you know, it's not gonna be a lot of fluctuations at the time. And at the time, it's it's down a little bit. Yes. So when we have a balanced growth, which is what you have at the moment, we typically see about 70% of the money invested in what we would call your growth asset. Now this would be your Australian shares or your international shares and your property as well, and that is what's going to give you the growth. And then you do have about 30% in our defensive assets. So that will be, you know, your cash, your gold, your fixed interest. We're trying to limit fluctuation. Alright. Now, typically, with with that, we do wanna allow a minimum time frame of about five years for making sure that you have enough time in the market for those fluctuations. So, obviously, you wanting to access Uber a little bit sooner than that. I can look at one step down, which is our balanced portfolio. So Not. a balanced portfolio is you wanna you're still wanting to get some growth of your superannuation while you are working and you are contributing, but you want a bit more of that conservative element to your portfolio to limit fluctuations a little bit more. Because if you wanna access that in two years' time, we don't want it to be down heavily at the time. Yeah. So the difference is about 10%. So you still have about 60% in those growth investments and focusing on that, and then about 40 in defensive. So about a 10% difference. And when we are looking at a time frame, we are looking more around your three year. So that will be Alright. a little bit more suitable from, you know, where you are currently at. Yep. Does that make sense? Yes. Because it's just Yeah. it it might it might change because I'm I was waiting here till my son is old enough to come in and take over my job. Yep. And he we have to wait till he's 18. He's only just about Yes. turned 16. So so if he comes down, then they'll probably will work for another year, so he will Okay. be three Yeah. years. Yeah. That's So right. what I Yeah. can do what I can do for you, if you would like me to, is I can do a bit of a review on your super and your investments, see what the changes would be like if we look through, reduce it down to the balance growth for you. Yeah. I can do kinda put together that research for you, run through it with you, and then you can let me know what your your thought is when you know, you know, what it's going to look like. Yep. Okay.","start_word":3793,"end_word":4346,"sentiment":"neutral","sentiment_score":0.08015135023406697},{"text":"Yep. You happy for me to do that? Yes. Yeah. Yep. Perfect.","start_word":4347,"end_word":4358,"sentiment":"positive","sentiment_score":0.5226704478263855},{"text":"And talking about your investments as well, so after the review today, in the next couple of days, you will also get an email, kind of your typical annual review pack email. So you will have a performance report and a bit of a summary of your superannuation, kind of what's obviously changed in the last twelve months. Now I did have a look at your super balance as of last year to kind of give you that comparison. Is that something you keep an eye on Yes. a lot? But Okay. I You're you you you're changed pretty across. something you changed some new ID thing. I would have pain that pain that was locked back in. Yes. The the It wouldn't IP and yeah. security is I don't know. But, yeah, you had the scanning yeah. code thing, and how do you take a photo of it when you're on your phone? That was just it. Just Yeah. It's yeah. a bit Eventually, you had to use my iPad and do that and do this yeah. and do that, and then, eventually, I log back in again. Yeah. It's a bit yeah.","start_word":4359,"end_word":4552,"sentiment":"neutral","sentiment_score":0.052776012905710136},{"text":"It's a bit it's a bit frustrating sometimes, especially with all their authentication apps as well sometimes.","start_word":4553,"end_word":4569,"sentiment":"negative","sentiment_score":-0.5931663513183594},{"text":"I It know.","start_word":4570,"end_word":4572,"sentiment":"neutral","sentiment_score":-0.26638197898864746},{"text":"drives It's me insane. been harder and harder. I I know I know why because Yes. people are getting ripped off all the time now.","start_word":4573,"end_word":4597,"sentiment":"negative","sentiment_score":-0.566082239151001},{"text":"So, yes, that's Exactly. that. Exactly. Now last year when you had your annual review with my colleague, Dana, your super balance was at around 212,074. Yes. And right now, it's at 252 at 304. Yes. So it's gone There up. it is. Yeah. Yeah. It was down to $2.49 last week, and now it's back up. Yeah. So with the investments as well, I do wanna do a bit more of an kind of an in-depth review of them. Now overall, your portfolio has been pretty, you know, okay for where it's at, but there is one particular one that's kind of been underperforming a little bit, and that is your Benelung Australian equity. So that one is your your managed fund, and they've kind of been down, lately. They had a bit of, one of the investments that they were interested in, they got suspended for trading because of reporting and stuff like that, which caused them to reevaluate Alright. it. So Okay. what I would like to do is specifically look at potentially removing that if it's, appropriate for you and then swapping swapping it out with something else that's doing Okay. a little bit because we Yep. still wanna make sure that in the next, you know, two to three or four years that we do wanna, you know, make sure your your money is growing. And if there is one of the investments we have you in at the moment that is not doing as well as we anticipated, then we do wanna look at changing that. Yep. That's it. So when I do look at, you know, reducing the risk profile, I'll specifically look at potentially changing that if if it's appropriate and look at your other investments as well just to make sure it's still doing good. But still, obviously, wanna make sure we would minimize, you know, if there's any tax or anything like that, because you do wanna take it up soon. Yep. So that will be part of the document. So you'll have a bit of a performance report on your whole portfolio there for you. You will have that summary, and then you will also have an ongoing service agreement.","start_word":4598,"end_word":4968,"sentiment":"neutral","sentiment_score":-0.0026713494874155423},{"text":"Now that will be similar to the one you had last year, which is basically to say that you are happy to stay on as a client for the next twelve months.","start_word":4969,"end_word":5000,"sentiment":"positive","sentiment_score":0.3990702033042908},{"text":"So you will get that one emailed out through you. Obviously, have a read over it. Any questions, let us know. But, otherwise, if you wanna press sign when you get it, we'll get all those details back, and we can obviously keep servicing you in the meantime. Now I will, like I said, do some research on your investments as well and get all of that sorted. Now it could take maybe, like, two weeks or so for me to get all of that together. But as soon as I'm through, I will give you a call, run through the suggestions, and then you can let me know, you know, if you would like to go ahead with a change or not. Yep. No worries. Yep.","start_word":5001,"end_word":5127,"sentiment":"neutral","sentiment_score":0.15139511075076156},{"text":"Perfect.","start_word":5128,"end_word":5128,"sentiment":"positive","sentiment_score":0.6382677555084229},{"text":"And I've also then tentatively locked in that Wednesday, the eighteenth, Mhmm. at 4PM to run Yes. through the the research and see if we can help your partner and put her in a better Okay. position as well. But we'll No give worries. you a call, and then we'll take her from there. Yep. No worries. Yep. No problem. Do you have any other questions for me or anything No. else? That's that's better.","start_word":5129,"end_word":5203,"sentiment":"neutral","sentiment_score":0.15174628794193268},{"text":"Yeah. Great. Perfect. Well, thank you so much for your time, and I look forward to Yep. speaking with you soon again.","start_word":5204,"end_word":5225,"sentiment":"positive","sentiment_score":0.7329325675964355},{"text":"No worries. Okay.","start_word":5226,"end_word":5228,"sentiment":"neutral","sentiment_score":0.30384689569473267},{"text":"Thanks.","start_word":5229,"end_word":5229,"sentiment":"positive","sentiment_score":0.5635244846343994},{"text":"Okay.","start_word":5230,"end_word":5230,"sentiment":"neutral","sentiment_score":0.32981181144714355},{"text":"Thanks. Bye.","start_word":5231,"end_word":5232,"sentiment":"positive","sentiment_score":0.4526312053203583},{"text":"Bye. Bye.","start_word":5233,"end_word":5234,"sentiment":"neutral","sentiment_score":0.23798128962516785}],"average":{"sentiment":"neutral","sentiment_score":0.03860108637844819}}}}