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Is now still a good time for you? Yep. 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? Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here, and congratulations on the marriage. That's very exciting. Now I can see here as well that with the forms that after the interview today is that we are going to do your change of name as well just to change your last name. And with that, they just to verify your identity, would you be able to, when you have a moment, send me an email with do you have you updated your driver's license or anything with your new last name? Of course. Okay. Okay. Perfect. Because when you because they need they will need that your ID, which is great. You have that as well as their marriage certificate just to, obviously, approve the new name. So as soon as you do get your marriage certificate back, if you could send that to me along with your ID, that will be great. Then we can go and process that change of name for you, everywhere. And now to make it easier, would you like me, to get, my admin person to send you an email with the ID and my certificate. That way you can just respond to it. Yeah. Perfect. No. That's okay. No. We have it as tanyag88@gmail dot com. Sure. So sorry. Would you mind repeating what your new email address is again for me? Yeah. At outlook dot com. Now do you still have access to Tanyag88@Gmail dot com? Okay. So if you're happy to do so, just because hub twenty four needs the email to match. So yeah. Sorry. But as soon as we've kind of gone through the interview today and, obviously, if you're happy and signed the documents after we've processed the 24 documents, I will get the team to update because we can just update that on our back end straight away for you. So make sure that then the email address changed. So for the documents today, I have just sent it to Tanya d eighty eight just so it matches, but I will update the records. So anything after today, we will then change to your new add address for you. Alright. Perfect. Now what I might do first is just to run through a bit of a fact find to see if there's anything else major that has changed for you, if we need to make any changes to your advice. So just kind of bear with me as I go through this. Now when it comes to next up, Ken, I don't actually have someone nominated on file for you. So if something were to happen and we cannot, for any reason, get in touch with you, who is someone that you would like us to contact? Yeah. Beautiful. And best name, please? K. Perfect. And his best contact number? Yep. Two two one. Yep. 150. Beautiful. And you have financial dependents at home as well? Yep. Beautiful. Now when it comes to occupation, has any of that changed for you in the last twelve months, Tanya? No. No. Perfect. You enjoy it then? Yeah. You must be pretty good at that too, though, if you've been doing it for so long. And I and would you be coming up soon to getting long service leave then? Oh, nice. Yeah. Now I have income here at around 107,000. Is that still the case? 116? Nice. I'll update that. Perfect. Otherwise, when it comes to your assets, I have here your main property was last tied at about 500,000. Is that still the case? No. That's okay. Last time, it was around 500. Yep. And I had as well mortgage at about 458,000. 4 50. Sometimes it feels like that because, obviously, interest and stuff like that. It's the same with my mortgage. I'm like, I'm paying and paying and paying. Yeah. Yeah. Probably because do you have variable rates as well? Yeah. The last little while, we have seen or I've seen quite a few increases, and most people have as well, with, obviously, interest rate going up and everything. So I have certainly seen that as well, and you feel a bit defeated too because you're like, hang on. I'm paying all this money, and now there's more coming out. So I feel your frustration. Otherwise, other assets I have here are huge. Buy it out of about 46,000. Okay. Perfect. Do you have the caravan still? Yep. And about 20,000? Yep. And do you have any other motor vehicles? Okay. Perfect. And let's see here. Do you know is that on, like, a no vetted lease situation? Yeah. Perfect. Okay. Perfect. So it would be if you were to cancel it and pay it out, it would be probably around the 60 ish, would you say, or 40? Okay. 45. Oh, that's good. Otherwise, I have here a loan of $5,000. Is that correct? Yeah. Okay. Yep. Yeah. And that's especially nowadays with prices and everything too. It's most people, unfortunately, in the same situation. Any other changes to assets or liabilities otherwise? No. Perfect. Have you had any changes to your health in the last twelve months? Nope. Great. And do you have private health insurance? Okay. So you don't have, like, hospital covers or anything like that? No. Yeah. The only thing I do wanna yeah. The only thing I do wanna flag with you is that because you are a high income earner, if you don't have it also depends on, like, your husband if you share finances and and your household income. But if I'm just looking from an individual point of view, if you earn more than 101,000 at the moment, which you do, you are eligible to pay the medical levy surcharge. So it is an additional tax for high income earners if you don't have private health insurance. So Yeah. Okay. Perfect. Yeah. I do wanna just take a something, but don't know. Or other times, it's like yeah. Perfect. No. Okay. Yep. Yeah. And and I I have so many clients that's the same. And to be fair, I'm similar in that. They're in the reason you would have it. If you don't utilize that for extra stuff, which I don't, it is just for the tax. And sometimes sometimes it works out better. Sometimes you still have to pay, and then, yeah, it's just a trade off of what you are wanting to do. But if you've obviously been aware of that, I know it. That's great. Do you wanna flag it because sometimes people don't know about it, but it is good that you are kind of across all of that. Otherwise, when it comes to estate planning, do you have a will in place at all? Yes. Perfect. And that is has that been updated since your your marriage as well? Okay. Because sometimes okay. Perfect. Because sometimes as well, just check it because I'm not a lawyer, so I can't give you any legal advice. But sometimes when you do get married, that cancels out previous bills. So just make sure if you need to get it updated or anything after changes, but it is good that you do have your mom and sister as executor, and that's all in place. Otherwise, when it comes to your super and insurances, we don't actually have a nomination on file for you at the moment. So if something were to happen to you, do you know who would you like to nominate to receive that? Yep. So what I can do, because it is making a legal nominate Yes. Unfortunately. But that way, it is important so we can make sure that it's in order. Now, Tanya, do you have access to a printer, or do you prefer it to be posted out to you? Yeah. Okay. Amazing. That's fine. Sometimes makes it easier because then you have it in your inbox as well. First, it makes it quicker, but then also it's there. So if you ever sometimes people lose mail and stuff. That way, it yep. So many people are like, I said, do you have a printer? Then if you're like, yes. Please do that. So I would get the team to email that to you. Now we can send it to TanyaBliss@Outlook.com. Okay. Perfect. I'll just update the record so we do have your new one anyway to make sure we don't send anything to your old one. I will get the the forms sent out to you. And then, yeah, when you have a moment, print it out, obviously, completed, and the spouse is a valid nomination as well. And if something were to happen to you, it will go tax free to him as well. Perfect. Now, otherwise, when it comes to goals for yourself, I have here that last time we caught up with you, your main focus was to kind of pay down the mortgage as much as possible and maybe do some renovations to the house. Is that still kind of the goal? Yeah. That's fine. Sometimes it's long terms as well and fine, especially if things always come up, and you've obviously had a bit of changes. Yeah. So yeah. And that's yeah. And that's that's also why the interest the first twelve months you see as well with the payments, it's barely moving, and it can feel frustrating because it's with the interest. So it should, as you get closed up, feel better. But but I'm the same. I bought a house last year, and, yeah, I'm the same. It's barely moving, and I'm like, come on now. Otherwise, is there something else that you are working towards that you're wanting kind of to achieve in the next twelve months or so? Yeah. That's good. Yep. Perfect. And it's it's good for, like, to get rid of, like, small ones, and then you have the other one and just to kinda, yeah, just to tryna focus on that. No. That's really good. Now, otherwise, when it comes through superannuation, I have you here as we have you invested in a high growth portfolio. Do you remember what it means to be a high growth investor at all? Yes. Kind of. It is it is where you are looking at getting as much growth as you possibly can out of your superannuation while you do have the time. But at the same time as well, you are prepared and understand that short term, there will be ups and downs and market fluctuations in a high growth portfolio. For some years, depending on what is going on in the world, might not be as good. Other years will be a lot better. So long term, you will achieve that higher growth. But on a year to year or shorter, sometimes it can be a little bit more fluctuations in the shorter. You do have plenty of time until retirement. So you are in you are in a good position to take advantage of that, though, and you definitely have that you know, if there's a bit of a market dip in what's happening, you have the time behind you in a high growth portfolio. Because, ideally, we'd like to see about eight years on field retirement in a high growth, which you'd do. So from a time frame point of view, it is well suited for you. Are you still comfortable with high growth? Otherwise, when it comes to your risk yep. Beautiful. Now I have to send you an email with some documents as well there, Tanya. It it goes to your old email. Do you have access to that at the moment, or are you a bit busy right now? That's okay. Yeah? Okay. Because it is up to you. It does make it easier if you can access it, but if you can't, I can just quickly run through it. And then when you are home later and you have time, you can always go through it. And then any questions, you can then let me know. It is up to you. Yes. Yep. And I do wanna just kind of talk through them as well just to make sure you're obviously happy. Everything will be saved afterwards your account anyway. So if you when you do have a bit more time, you wanna go through them and have a look at it, it's all there. I always have a copy on file as well. Now we have changed the software, so it might look a little bit different, But you should see an email come through, and you should see before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email. Can you see those? Yep. Beautiful. Now I'll try to go through this pretty quickly with you because I know we have done this a couple of times, but, obviously, any questions, let me know. Now you should see two ones there, which I'll get you to have a look at later, which is Oakview services guide and Oakview financial services guide. Can you see those? Yep. Perfect. Now these are your kind of compliance documents. It's the one we do send you every year. It is a bit of an updated version, though. None of the important information has changed, but we've had a bit of an extension to the team, which is nice. But if you do wanna go and have a look at it, you will see everybody's all the advice team and directors and everybody in there. You'll also see myself in there if you do wanna put a face to the voice. But, otherwise, none of the important information has changed. Now you should also see one where it says super and insurance summary. Can you see that? Okay. And that's that one? Is that the one that says okay. That that's okay. Okay. Yeah. You can go back when, you know, on the phone and have a look at it. It it it just shows you your super insurance as well. I will read it out to you anyway. You have your superannuation with hub twenty four. Now you do have about a $147,743 in there. And then you also have some insurances with one part. So you have life and total permanent disability of a million dollars. Now are you still happy with that level of cover and everything like that? Yep. Exactly. Like, all the you know, that will be cleared out. It still leaves extra if something were to happen. Same if something happens to you and you can't work. Don't have to worry about the mortgage and still gives you extra money through assist. You also have an income protection, and that will pay you a monthly amount of $6,241 per month. If something were to happen, you have a sixty day waiting period and a benefit period all the way up to the age of 65. So very comprehensive. Now all of those three are paid inside superannuation for you. You do get a 15% tax rebate, and the premium after the tax rebate is 3,169. Now any questions with those so that all makes sense? No. Mhmm. That's it's a trauma. So you have an out of pocket one, a trauma policy? Yeah. Yes. Okay. If you are comfortable to give it to me over the phone, I can pass it on through the team or they yeah. Are you happy with that? Just just because it's better than you no. That's fine. You can give it to me because it's better than you emailing it because we don't want the paper trail for your security. So yes. Yep. And, yeah, Bliss. Yep. Sorry. Would you mind just taking a little bit slower? I just wanna make sure I get it right. So 0. Yep. 780. Yes. Nine eight. Yep. Two five two. Yes. 0039. Beautiful. NAB. Yep. Perfect. Now I will let the insurance team know to update that today for you so we can get that sorted and all updated. That is no problem. Now with the trauma, so that is covering you for traumatic events if something were to happen. So the biggest ones we typically see are, like, your cancer, stroke, heart attack, neurological condition, and this one is paid tax free to you back pocket straight away as well. So you are covered for about $82,000 at the moment that would be paid out, and you do have a secondary life policy attached to it. Now, usually, that is just to reduce the premium of the trauma just because the insurance have multi policy discounts. But often, it's actually cheaper to have a second life even though you might not need it. But if it reduces the premium of the trauma, you get an extra 82,000 or something what happened. Sorry that you do have that, and that premium is about $18.19 per month. I'm not not too much there, so that is good. Did you have any question? Yeah. No. It's easier to we can get that sorted for you, sir. The next payment will come out of your other bank account. Now you will also see true certificate of currency in the email there. That is just basically outlining your insurances in a bit more detail for you. Otherwise, you will have your twelve month performance report with Hub twenty four. This can be a little bit tricky to see on the phone sometimes because it's a little can be a little bit messy, outlines all your investments and your portfolio after fees. So over the past twelve months, you probably have heard and seen in the news as well. It's been quite a few quite a bit of fluctuations in the market and in the world in the last twelve months. First, obviously, we had everything in The US with Trump and and everything. And more recently, obviously, everything going over with the war. We have seen a bit of a mixed market the last twelve months. Now we've had some really good areas in your portfolio. So the way that your portfolio is designed as well is that it is very diversified. So we wanna make sure if there's some areas that's performing really well, we do spread things out for you so you don't have everything in just one sector that some years is amazing and then other years is down quite a bit. We don't want that. So we do wanna obviously level things out for you. So at the moment, the areas that have done really well is The US equity for you have done really well. Australian quality companies have done really well. Your gold have been very strong performance as well. And the gold have kind of benefited from, you know, the ongoing global uncertainty we have seen in the world. So that's kind of the the market stabilizer from it. But I'm on the other side as well. We've had some areas where it has been a little bit more fluctuating. Now one of the investments that have been a little bit more fluctuating in the last twelve months in your India investment, we're not too concerned about that one because it's more of your somatic exposures and, like, a cyclical trend going on, and we do foresee that still being a very good investment long term for you. There's a lot of growth opportunities. But there is another investment that I would like to look at changing if you are happy with that, and that is your Benelon Australian equity. Now the reason we do wanna change it is we do a lot of investment research all the time on the investments, and it is really important to make sure we always have you in the best options possible for you. And the good thing with Hub twenty four is that you do have hundreds of different investment options out there that allows us to do that. And if we do foresee one investment, if it's underperforming a little bit and we don't foresee it come back around, we then wanna change it to something else because things are always changing. So with your Benelon Australian equity, that one was added to your portfolio because it's kind of giving you the the active management where they are trying to actively buy and sell different investments in order to kinda outperform the market. But they have, like I said, recently been a little bit slower in making those decisions. But if that is the case, we wanna make sure we can swap it for something that's going to do a little bit better for you moving forward. And we have found one. No. That is okay. And that is what we're here to do. I just obviously wanna let you know. But we obviously do the research and everything, and we have found another option for you, which is your your beta shares Australia two 100. It is still swapping an Australian investment to an Australian investment because we still wanna make sure you have some exposures. We don't want, like I said earlier, everything in one area. We wanna diversify things for you. But this investment here is a little bit cheaper than your Benelung investment, and it has performed a little bit better for you as well. And because it's more kind of following the 200 largest companies in Australia, it might be a little bit smoother than your Benelung, which is trying to do more of that kind of more frequent buying and selling. So if you are happy for us to do that change, Tanya, what I will do is I will just send you something that's called a record of advice. You don't have to change sorry. You don't have to sign it or anything like that. It's just for your reference so that you know we have made the change. If you are happy for us to go ahead and do that for you. Yes. Amazing. You will, like I said, get it in your email as well just for your reference, but you don't need to accent or do anything with that. Now the last document you will see there, Tanya, it is then if you're happy to do so, it's just those documents to sign. Now it should be two documents. One will be yeah. Amazing. Thank you so much. Now you would have seen that one was your ongoing service agreement. No changes whatsoever in regards to the fee structure. It stays exactly the same. No changes in regards to that for you. And then it was a tax file number opt in form. And that's just to say that we're keeping your tax file number secure and safe on the file. And I have seen that that's come through on my end, which is great, but I will let the team know. Once we've submitted that with Hub twenty four, we will then go ahead and change your email address there. And then as soon as you get your marriage certificate, if you can respond to the email that my, yep, colleague will send you just to make it easy along with your ID. Then as soon as we get that, we can get that updated for both your insurances and your hub twenty four account. And then I will also let the insurance team know about your new bank account for the out of pocket trauma so we can get that sorted for you. That that was basically everything that I needed to touch on today, Tanya. Do you have any other questions or need anything else from me before I let you go and get back to work otherwise? No. That was all good. Perfect. If you do think about anything or you need anything else, don't hesitate to give me a call or or send me an email, and we can always book you in for another catch up. Mhmm. No problem at all. I hope you enjoy the the rest of your day. And, again, congratulations on your marriage. That's very exciting. Mhmm. No worries. See you. 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afternoon. This is Tanya. This is Veronica from Oakview Financial. How are you? I'm good.\n\nThanks. I had you booked in for a catch up to go over your annual review. Is now still a good time for you? Yep. Perfect.\n\nNow 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? Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep.\n\nPerfect. That's exactly what I have here, and congratulations on the marriage. That's very exciting. Now I can see here as well that with the forms that after the interview today is that we are going to do your change of name as well just to change your last name. And with that, they just to verify your identity, would you be able to, when you have a moment, send me an email with do you have you updated your driver's license or anything with your new last name?\n\nOf course. Okay. Okay. Perfect. Because when you because they need they will need that your ID, which is great.\n\nYou have that as well as their marriage certificate just to, obviously, approve the new name. So as soon as you do get your marriage certificate back, if you could send that to me along with your ID, that will be great. Then we can go and process that change of name for you, everywhere. And now to make it easier, would you like me, to get, my admin person to send you an email with the ID and my certificate. That way you can just respond to it.\n\nYeah. Perfect. No. That's okay. No.\n\nWe have it as tanyag88@gmail dot com. Sure. So sorry. Would you mind repeating what your new email address is again for me? Yeah.\n\nAt outlook dot com. Now do you still have access to Tanyag88@Gmail dot com? Okay. So if you're happy to do so, just because hub twenty four needs the email to match. So yeah.\n\nSorry. But as soon as we've kind of gone through the interview today and, obviously, if you're happy and signed the documents after we've processed the 24 documents, I will get the team to update because we can just update that on our back end straight away for you. So make sure that then the email address changed. So for the documents today, I have just sent it to Tanya d eighty eight just so it matches, but I will update the records. So anything after today, we will then change to your new add address for you.\n\nAlright. Perfect. Now what I might do first is just to run through a bit of a fact find to see if there's anything else major that has changed for you, if we need to make any changes to your advice. So just kind of bear with me as I go through this. Now when it comes to next up, Ken, I don't actually have someone nominated on file for you.\n\nSo if something were to happen and we cannot, for any reason, get in touch with you, who is someone that you would like us to contact? Yeah. Beautiful. And best name, please? K.\n\nPerfect. And his best contact number? Yep. Two two one. Yep.\n\n150. Beautiful. And you have financial dependents at home as well? Yep. Beautiful.\n\nNow when it comes to occupation, has any of that changed for you in the last twelve months, Tanya? No. No. Perfect. You enjoy it then?\n\nYeah. You must be pretty good at that too, though, if you've been doing it for so long. And I and would you be coming up soon to getting long service leave then? Oh, nice. Yeah.\n\nNow I have income here at around 107,000. Is that still the case? 116? Nice. I'll update that.\n\nPerfect. Otherwise, when it comes to your assets, I have here your main property was last tied at about 500,000. Is that still the case? No. That's okay.\n\nLast time, it was around 500. Yep. And I had as well mortgage at about 458,000. 4 50. Sometimes it feels like that because, obviously, interest and stuff like that.\n\nIt's the same with my mortgage. I'm like, I'm paying and paying and paying. Yeah. Yeah. Probably because do you have variable rates as well?\n\nYeah. The last little while, we have seen or I've seen quite a few increases, and most people have as well, with, obviously, interest rate going up and everything. So I have certainly seen that as well, and you feel a bit defeated too because you're like, hang on. I'm paying all this money, and now there's more coming out. So I feel your frustration.\n\nOtherwise, other assets I have here are huge. Buy it out of about 46,000. Okay. Perfect. Do you have the caravan still?\n\nYep. And about 20,000? Yep. And do you have any other motor vehicles? Okay.\n\nPerfect. And let's see here. Do you know is that on, like, a no vetted lease situation? Yeah. Perfect.\n\nOkay. Perfect. So it would be if you were to cancel it and pay it out, it would be probably around the 60 ish, would you say, or 40? Okay. 45.\n\nOh, that's good. Otherwise, I have here a loan of $5,000. Is that correct? Yeah. Okay.\n\nYep. Yeah. And that's especially nowadays with prices and everything too. It's most people, unfortunately, in the same situation. Any other changes to assets or liabilities otherwise?\n\nNo. Perfect. Have you had any changes to your health in the last twelve months? Nope. Great.\n\nAnd do you have private health insurance? Okay. So you don't have, like, hospital covers or anything like that? No. Yeah.\n\nThe only thing I do wanna yeah. The only thing I do wanna flag with you is that because you are a high income earner, if you don't have it also depends on, like, your husband if you share finances and and your household income. But if I'm just looking from an individual point of view, if you earn more than 101,000 at the moment, which you do, you are eligible to pay the medical levy surcharge. So it is an additional tax for high income earners if you don't have private health insurance. So Yeah.\n\nOkay. Perfect. Yeah. I do wanna just take a something, but don't know. Or other times, it's like yeah.\n\nPerfect. No. Okay. Yep. Yeah.\n\nAnd and I I have so many clients that's the same. And to be fair, I'm similar in that. They're in the reason you would have it. If you don't utilize that for extra stuff, which I don't, it is just for the tax. And sometimes sometimes it works out better.\n\nSometimes you still have to pay, and then, yeah, it's just a trade off of what you are wanting to do. But if you've obviously been aware of that, I know it. That's great. Do you wanna flag it because sometimes people don't know about it, but it is good that you are kind of across all of that. Otherwise, when it comes to estate planning, do you have a will in place at all?\n\nYes. Perfect. And that is has that been updated since your your marriage as well? Okay. Because sometimes okay.\n\nPerfect. Because sometimes as well, just check it because I'm not a lawyer, so I can't give you any legal advice. But sometimes when you do get married, that cancels out previous bills. So just make sure if you need to get it updated or anything after changes, but it is good that you do have your mom and sister as executor, and that's all in place. Otherwise, when it comes to your super and insurances, we don't actually have a nomination on file for you at the moment.\n\nSo if something were to happen to you, do you know who would you like to nominate to receive that? Yep. So what I can do, because it is making a legal nominate Yes. Unfortunately. But that way, it is important so we can make sure that it's in order.\n\nNow, Tanya, do you have access to a printer, or do you prefer it to be posted out to you? Yeah. Okay. Amazing. That's fine.\n\nSometimes makes it easier because then you have it in your inbox as well. First, it makes it quicker, but then also it's there. So if you ever sometimes people lose mail and stuff. That way, it yep. So many people are like, I said, do you have a printer?\n\nThen if you're like, yes. Please do that. So I would get the team to email that to you. Now we can send it to TanyaBliss@Outlook.com. Okay.\n\nPerfect. I'll just update the record so we do have your new one anyway to make sure we don't send anything to your old one. I will get the the forms sent out to you. And then, yeah, when you have a moment, print it out, obviously, completed, and the spouse is a valid nomination as well. And if something were to happen to you, it will go tax free to him as well.\n\nPerfect. Now, otherwise, when it comes to goals for yourself, I have here that last time we caught up with you, your main focus was to kind of pay down the mortgage as much as possible and maybe do some renovations to the house. Is that still kind of the goal? Yeah. That's fine.\n\nSometimes it's long terms as well and fine, especially if things always come up, and you've obviously had a bit of changes. Yeah. So yeah. And that's yeah. And that's that's also why the interest the first twelve months you see as well with the payments, it's barely moving, and it can feel frustrating because it's with the interest.\n\nSo it should, as you get closed up, feel better. But but I'm the same. I bought a house last year, and, yeah, I'm the same. It's barely moving, and I'm like, come on now. Otherwise, is there something else that you are working towards that you're wanting kind of to achieve in the next twelve months or so?\n\nYeah. That's good. Yep. Perfect. And it's it's good for, like, to get rid of, like, small ones, and then you have the other one and just to kinda, yeah, just to tryna focus on that.\n\nNo. That's really good. Now, otherwise, when it comes through superannuation, I have you here as we have you invested in a high growth portfolio. Do you remember what it means to be a high growth investor at all? Yes.\n\nKind of. It is it is where you are looking at getting as much growth as you possibly can out of your superannuation while you do have the time. But at the same time as well, you are prepared and understand that short term, there will be ups and downs and market fluctuations in a high growth portfolio. For some years, depending on what is going on in the world, might not be as good. Other years will be a lot better.\n\nSo long term, you will achieve that higher growth. But on a year to year or shorter, sometimes it can be a little bit more fluctuations in the shorter. You do have plenty of time until retirement. So you are in you are in a good position to take advantage of that, though, and you definitely have that you know, if there's a bit of a market dip in what's happening, you have the time behind you in a high growth portfolio. Because, ideally, we'd like to see about eight years on field retirement in a high growth, which you'd do.\n\nSo from a time frame point of view, it is well suited for you. Are you still comfortable with high growth? Otherwise, when it comes to your risk yep. Beautiful. Now I have to send you an email with some documents as well there, Tanya.\n\nIt it goes to your old email. Do you have access to that at the moment, or are you a bit busy right now? That's okay. Yeah? Okay.\n\nBecause it is up to you. It does make it easier if you can access it, but if you can't, I can just quickly run through it. And then when you are home later and you have time, you can always go through it. And then any questions, you can then let me know. It is up to you.\n\nYes. Yep. And I do wanna just kind of talk through them as well just to make sure you're obviously happy. Everything will be saved afterwards your account anyway. So if you when you do have a bit more time, you wanna go through them and have a look at it, it's all there.\n\nI always have a copy on file as well. Now we have changed the software, so it might look a little bit different, But you should see an email come through, and you should see before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email. Can you see those? Yep. Beautiful.\n\nNow I'll try to go through this pretty quickly with you because I know we have done this a couple of times, but, obviously, any questions, let me know. Now you should see two ones there, which I'll get you to have a look at later, which is Oakview services guide and Oakview financial services guide. Can you see those? Yep. Perfect.\n\nNow these are your kind of compliance documents. It's the one we do send you every year. It is a bit of an updated version, though. None of the important information has changed, but we've had a bit of an extension to the team, which is nice. But if you do wanna go and have a look at it, you will see everybody's all the advice team and directors and everybody in there.\n\nYou'll also see myself in there if you do wanna put a face to the voice. But, otherwise, none of the important information has changed. Now you should also see one where it says super and insurance summary. Can you see that? Okay.\n\nAnd that's that one? Is that the one that says okay. That that's okay. Okay. Yeah.\n\nYou can go back when, you know, on the phone and have a look at it. It it it just shows you your super insurance as well. I will read it out to you anyway. You have your superannuation with hub twenty four. Now you do have about a $147,743 in there.\n\nAnd then you also have some insurances with one part. So you have life and total permanent disability of a million dollars. Now are you still happy with that level of cover and everything like that? Yep. Exactly.\n\nLike, all the you know, that will be cleared out. It still leaves extra if something were to happen. Same if something happens to you and you can't work. Don't have to worry about the mortgage and still gives you extra money through assist. You also have an income protection, and that will pay you a monthly amount of $6,241 per month.\n\nIf something were to happen, you have a sixty day waiting period and a benefit period all the way up to the age of 65. So very comprehensive. Now all of those three are paid inside superannuation for you. You do get a 15% tax rebate, and the premium after the tax rebate is 3,169. Now any questions with those so that all makes sense?\n\nNo. Mhmm. That's it's a trauma. So you have an out of pocket one, a trauma policy? Yeah.\n\nYes. Okay. If you are comfortable to give it to me over the phone, I can pass it on through the team or they yeah. Are you happy with that? Just just because it's better than you no.\n\nThat's fine. You can give it to me because it's better than you emailing it because we don't want the paper trail for your security. So yes. Yep. And, yeah, Bliss.\n\nYep. Sorry. Would you mind just taking a little bit slower? I just wanna make sure I get it right. So 0.\n\nYep. 780. Yes. Nine eight. Yep.\n\nTwo five two. Yes. 0039. Beautiful. NAB.\n\nYep. Perfect. Now I will let the insurance team know to update that today for you so we can get that sorted and all updated. That is no problem. Now with the trauma, so that is covering you for traumatic events if something were to happen.\n\nSo the biggest ones we typically see are, like, your cancer, stroke, heart attack, neurological condition, and this one is paid tax free to you back pocket straight away as well. So you are covered for about $82,000 at the moment that would be paid out, and you do have a secondary life policy attached to it. Now, usually, that is just to reduce the premium of the trauma just because the insurance have multi policy discounts. But often, it's actually cheaper to have a second life even though you might not need it. But if it reduces the premium of the trauma, you get an extra 82,000 or something what happened.\n\nSorry that you do have that, and that premium is about $18.19 per month. I'm not not too much there, so that is good. Did you have any question? Yeah. No.\n\nIt's easier to we can get that sorted for you, sir. The next payment will come out of your other bank account. Now you will also see true certificate of currency in the email there. That is just basically outlining your insurances in a bit more detail for you. Otherwise, you will have your twelve month performance report with Hub twenty four.\n\nThis can be a little bit tricky to see on the phone sometimes because it's a little can be a little bit messy, outlines all your investments and your portfolio after fees. So over the past twelve months, you probably have heard and seen in the news as well. It's been quite a few quite a bit of fluctuations in the market and in the world in the last twelve months. First, obviously, we had everything in The US with Trump and and everything. And more recently, obviously, everything going over with the war.\n\nWe have seen a bit of a mixed market the last twelve months. Now we've had some really good areas in your portfolio. So the way that your portfolio is designed as well is that it is very diversified. So we wanna make sure if there's some areas that's performing really well, we do spread things out for you so you don't have everything in just one sector that some years is amazing and then other years is down quite a bit. We don't want that.\n\nSo we do wanna obviously level things out for you. So at the moment, the areas that have done really well is The US equity for you have done really well. Australian quality companies have done really well. Your gold have been very strong performance as well. And the gold have kind of benefited from, you know, the ongoing global uncertainty we have seen in the world.\n\nSo that's kind of the the market stabilizer from it. But I'm on the other side as well. We've had some areas where it has been a little bit more fluctuating. Now one of the investments that have been a little bit more fluctuating in the last twelve months in your India investment, we're not too concerned about that one because it's more of your somatic exposures and, like, a cyclical trend going on, and we do foresee that still being a very good investment long term for you. There's a lot of growth opportunities.\n\nBut there is another investment that I would like to look at changing if you are happy with that, and that is your Benelon Australian equity. Now the reason we do wanna change it is we do a lot of investment research all the time on the investments, and it is really important to make sure we always have you in the best options possible for you. And the good thing with Hub twenty four is that you do have hundreds of different investment options out there that allows us to do that. And if we do foresee one investment, if it's underperforming a little bit and we don't foresee it come back around, we then wanna change it to something else because things are always changing. So with your Benelon Australian equity, that one was added to your portfolio because it's kind of giving you the the active management where they are trying to actively buy and sell different investments in order to kinda outperform the market.\n\nBut they have, like I said, recently been a little bit slower in making those decisions. But if that is the case, we wanna make sure we can swap it for something that's going to do a little bit better for you moving forward. And we have found one. No. That is okay.\n\nAnd that is what we're here to do. I just obviously wanna let you know. But we obviously do the research and everything, and we have found another option for you, which is your your beta shares Australia two 100. It is still swapping an Australian investment to an Australian investment because we still wanna make sure you have some exposures. We don't want, like I said earlier, everything in one area.\n\nWe wanna diversify things for you. But this investment here is a little bit cheaper than your Benelung investment, and it has performed a little bit better for you as well. And because it's more kind of following the 200 largest companies in Australia, it might be a little bit smoother than your Benelung, which is trying to do more of that kind of more frequent buying and selling. So if you are happy for us to do that change, Tanya, what I will do is I will just send you something that's called a record of advice. You don't have to change sorry.\n\nYou don't have to sign it or anything like that. It's just for your reference so that you know we have made the change. If you are happy for us to go ahead and do that for you. Yes. Amazing.\n\nYou will, like I said, get it in your email as well just for your reference, but you don't need to accent or do anything with that. Now the last document you will see there, Tanya, it is then if you're happy to do so, it's just those documents to sign. Now it should be two documents. One will be yeah. Amazing.\n\nThank you so much. Now you would have seen that one was your ongoing service agreement. No changes whatsoever in regards to the fee structure. It stays exactly the same. No changes in regards to that for you.\n\nAnd then it was a tax file number opt in form. And that's just to say that we're keeping your tax file number secure and safe on the file. And I have seen that that's come through on my end, which is great, but I will let the team know. Once we've submitted that with Hub twenty four, we will then go ahead and change your email address there. And then as soon as you get your marriage certificate, if you can respond to the email that my, yep, colleague will send you just to make it easy along with your ID.\n\nThen as soon as we get that, we can get that updated for both your insurances and your hub twenty four account. And then I will also let the insurance team know about your new bank account for the out of pocket trauma so we can get that sorted for you. That that was basically everything that I needed to touch on today, Tanya. Do you have any other questions or need anything else from me before I let you go and get back to work otherwise? No.\n\nThat was all good. Perfect. If you do think about anything or you need anything else, don't hesitate to give me a call or or send me an email, and we can always book you in for another catch up. Mhmm. No problem at all.\n\nI hope you enjoy the the rest of your day. And, again, congratulations on your marriage. That's very exciting. Mhmm. No worries.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.08,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.32874494791030884},{"text":"This is Tanya.","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.19075838228066763},{"text":"This is Veronica from Oakview Financial.","start":4.7999997,"end":6.98,"sentiment":"neutral","sentiment_score":0.16867152353127798},{"text":"How are you?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.17753546436627707},{"text":"I'm good.","start":9.5199995,"end":10.24,"sentiment":"positive","sentiment_score":0.5412433743476868}],"sentiment":"neutral","sentiment_score":0.24105545785278082,"num_words":16,"start":2.08,"end":10.24},{"sentences":[{"text":"Thanks.","start":10.24,"end":10.74,"sentiment":"positive","sentiment_score":0.6501871347427368},{"text":"I had you booked in for a catch up to go over your annual review.","start":11.599999,"end":15.895,"sentiment":"neutral","sentiment_score":0.32228525380293527},{"text":"Is now still a good time for you?","start":15.895,"end":17.435,"sentiment":"neutral","sentiment_score":0.2645798847079277},{"text":"Yep.","start":18.375,"end":18.875,"sentiment":"neutral","sentiment_score":0.11589541286230089},{"text":"Perfect.","start":18.935,"end":19.435,"sentiment":"positive","sentiment_score":0.3787783086299896}],"sentiment":"neutral","sentiment_score":0.3113761054208645,"num_words":26,"start":10.24,"end":19.435},{"sentences":[{"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?","start":20.135,"end":27.275,"sentiment":"neutral","sentiment_score":0.02973237380000024},{"text":"Yep.","start":28.480001,"end":28.800001,"sentiment":"neutral","sentiment_score":0.06159823387861252},{"text":"Perfect.","start":28.800001,"end":29.300001,"sentiment":"neutral","sentiment_score":0.2324020266532898},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":30.0,"end":36.9,"sentiment":"neutral","sentiment_score":0.06017398619307922},{"text":"Yep.","start":45.215,"end":45.695,"sentiment":"neutral","sentiment_score":0.2091536521911621}],"sentiment":"neutral","sentiment_score":0.05051579989557122,"num_words":58,"start":20.135,"end":45.695},{"sentences":[{"text":"Perfect.","start":45.695,"end":46.175,"sentiment":"positive","sentiment_score":0.6209612488746643},{"text":"That's exactly what I have here, and congratulations on the marriage.","start":46.175,"end":50.015,"sentiment":"positive","sentiment_score":0.7571812272071838},{"text":"That's very exciting.","start":50.015,"end":51.075,"sentiment":"positive","sentiment_score":0.8303947846094767},{"text":"Now I can see here as well that with the forms that after the interview today is that we are going to do your change of name as well just to change your last name.","start":53.47,"end":63.57,"sentiment":"neutral","sentiment_score":0.14755988695791789},{"text":"And with that, they just to verify your identity, would you be able to, when you have a moment, send me an email with do you have you updated your driver's license or anything with your new last name?","start":64.795,"end":80.28,"sentiment":"neutral","sentiment_score":0.05285651626017613}],"sentiment":"neutral","sentiment_score":0.20974313797366417,"num_words":89,"start":45.695,"end":80.28},{"sentences":[{"text":"Of course.","start":89.075005,"end":89.65501,"sentiment":"neutral","sentiment_score":0.04765193164348602},{"text":"Okay.","start":94.675,"end":95.175,"sentiment":"neutral","sentiment_score":0.0497497096657753},{"text":"Okay.","start":95.715004,"end":96.19501,"sentiment":"neutral","sentiment_score":0.1263527870178223},{"text":"Perfect.","start":96.19501,"end":96.595,"sentiment":"neutral","sentiment_score":0.270166277885437},{"text":"Because when you because they need they will need that your ID, which is great.","start":96.595,"end":100.515,"sentiment":"neutral","sentiment_score":0.12625989069541296}],"sentiment":"neutral","sentiment_score":0.12177354991436004,"num_words":20,"start":89.075005,"end":100.515},{"sentences":[{"text":"You have that as well as their marriage certificate just to, obviously, approve the new name.","start":100.515,"end":105.590004,"sentiment":"neutral","sentiment_score":0.1376433582045138},{"text":"So as soon as you do get your marriage certificate back, if you could send that to me along with your ID, that will be great.","start":105.590004,"end":116.685,"sentiment":"neutral","sentiment_score":0.2769528507040097},{"text":"Then we can go and process that change of name for you, everywhere.","start":116.765,"end":121.505,"sentiment":"neutral","sentiment_score":0.14086383029531974},{"text":"And now to make it easier, would you like me, to get, my admin person to send you an email with the ID and my certificate.","start":122.765,"end":130.71,"sentiment":"neutral","sentiment_score":0.13154907381305328},{"text":"That way you can just respond to it.","start":130.85,"end":132.87001,"sentiment":"neutral","sentiment_score":0.23396901786327362}],"sentiment":"neutral","sentiment_score":0.18568905287035062,"num_words":89,"start":100.515,"end":132.87001},{"sentences":[{"text":"Yeah.","start":133.49,"end":133.99,"sentiment":"neutral","sentiment_score":0.28470367193222046},{"text":"Perfect.","start":134.21,"end":134.71,"sentiment":"positive","sentiment_score":0.4433550536632538},{"text":"No.","start":135.17001,"end":135.41,"sentiment":"neutral","sentiment_score":-0.008654318749904633},{"text":"That's okay.","start":135.41,"end":136.23001,"sentiment":"neutral","sentiment_score":0.07660193368792534},{"text":"No.","start":142.625,"end":143.125,"sentiment":"neutral","sentiment_score":-0.017436154186725616}],"sentiment":"neutral","sentiment_score":0.1425286866724491,"num_words":6,"start":133.49,"end":143.125},{"sentences":[{"text":"We have it as tanyag88@gmail dot com.","start":143.18501,"end":147.04501,"sentiment":"neutral","sentiment_score":0.014796477476400989},{"text":"Sure.","start":150.065,"end":150.54501,"sentiment":"neutral","sentiment_score":0.030612563714385033},{"text":"So sorry.","start":150.54501,"end":151.265,"sentiment":"neutral","sentiment_score":-0.04393897019326687},{"text":"Would you mind repeating what your new email address is again for me?","start":151.265,"end":154.96501,"sentiment":"neutral","sentiment_score":-0.027315725070925858},{"text":"Yeah.","start":157.12,"end":157.62,"sentiment":"neutral","sentiment_score":0.0607060045003891}],"sentiment":"neutral","sentiment_score":-0.010337018989957869,"num_words":24,"start":143.18501,"end":157.62},{"sentences":[{"text":"At outlook dot com.","start":161.04,"end":163.21999,"sentiment":"neutral","sentiment_score":0.02132694493047893},{"text":"Now do you still have access to Tanyag88@Gmail dot com?","start":163.35999,"end":168.18,"sentiment":"neutral","sentiment_score":0.022426050901412965},{"text":"Okay.","start":168.795,"end":169.295,"sentiment":"neutral","sentiment_score":0.10288887470960616},{"text":"So if you're happy to do so, just because hub twenty four needs the email to match.","start":169.515,"end":176.175,"sentiment":"neutral","sentiment_score":0.12629168173846075},{"text":"So yeah.","start":177.675,"end":178.795,"sentiment":"neutral","sentiment_score":0.18196341395378113}],"sentiment":"neutral","sentiment_score":0.08598066414432491,"num_words":34,"start":161.04,"end":178.795},{"sentences":[{"text":"Sorry.","start":178.795,"end":179.115,"sentiment":"neutral","sentiment_score":0.05355233699083328},{"text":"But as soon as we've kind of gone through the interview today and, obviously, if you're happy and signed the documents after we've processed the 24 documents, I will get the team to update because we can just update that on our back end straight away for you.","start":179.115,"end":194.14,"sentiment":"neutral","sentiment_score":0.2323105091539522},{"text":"So make sure that then the email address changed.","start":194.14,"end":197.28,"sentiment":"neutral","sentiment_score":0.15514096286561754},{"text":"So for the documents today, I have just sent it to Tanya d eighty eight just so it matches, but I will update the records.","start":197.775,"end":205.295,"sentiment":"neutral","sentiment_score":0.12815846920013427},{"text":"So anything after today, we will then change to your new add address for you.","start":205.295,"end":210.915,"sentiment":"neutral","sentiment_score":0.11642424464225769}],"sentiment":"neutral","sentiment_score":0.17909235552865632,"num_words":98,"start":178.795,"end":210.915},{"sentences":[{"text":"Alright.","start":211.55,"end":212.03,"sentiment":"neutral","sentiment_score":0.32825177907943726},{"text":"Perfect.","start":212.03,"end":212.53,"sentiment":"positive","sentiment_score":0.504387378692627},{"text":"Now what I might do first is just to run through a bit of a fact find to see if there's anything else major that has changed for you, if we need to make any changes to your advice.","start":213.87001,"end":224.37001,"sentiment":"neutral","sentiment_score":0.06669207347127107},{"text":"So just kind of bear with me as I go through this.","start":224.675,"end":227.495,"sentiment":"neutral","sentiment_score":0.016772865317761898},{"text":"Now when it comes to next up, Ken, I don't actually have someone nominated on file for you.","start":228.91501,"end":234.615,"sentiment":"neutral","sentiment_score":-0.11329986962179343}],"sentiment":"neutral","sentiment_score":0.022471926109471792,"num_words":71,"start":211.55,"end":234.615},{"sentences":[{"text":"So if something were to happen and we cannot, for any reason, get in touch with you, who is someone that you would like us to contact?","start":235.075,"end":242.3,"sentiment":"neutral","sentiment_score":-0.08971986767870409},{"text":"Yeah.","start":246.36,"end":246.76001,"sentiment":"neutral","sentiment_score":0.2038487195968628},{"text":"Beautiful.","start":246.76001,"end":247.26001,"sentiment":"positive","sentiment_score":0.4859194755554199},{"text":"And best name, please?","start":247.32,"end":249.02,"sentiment":"neutral","sentiment_score":0.2595391646027565},{"text":"K.","start":251.16,"end":251.66,"sentiment":"neutral","sentiment_score":0.11910209059715272}],"sentiment":"neutral","sentiment_score":-0.016923808328369084,"num_words":34,"start":235.075,"end":251.66},{"sentences":[{"text":"Perfect.","start":252.52,"end":253.0,"sentiment":"neutral","sentiment_score":0.32103219628334045},{"text":"And his best contact number?","start":253.0,"end":254.62001,"sentiment":"neutral","sentiment_score":0.1030302256345749},{"text":"Yep.","start":257.435,"end":257.935,"sentiment":"neutral","sentiment_score":0.022524815052747726},{"text":"Two two one.","start":259.675,"end":260.79498,"sentiment":"neutral","sentiment_score":0.026394958918293316},{"text":"Yep.","start":260.79498,"end":261.29498,"sentiment":"neutral","sentiment_score":0.03663899749517441}],"sentiment":"neutral","sentiment_score":0.0885938194326379,"num_words":11,"start":252.52,"end":261.29498},{"sentences":[{"text":"150.","start":262.875,"end":264.07498,"sentiment":"neutral","sentiment_score":0.0773853212594986},{"text":"Beautiful.","start":264.07498,"end":264.57498,"sentiment":"positive","sentiment_score":0.40676361322402954},{"text":"And you have financial dependents at home as well?","start":264.79498,"end":268.65,"sentiment":"neutral","sentiment_score":0.12318916039334403},{"text":"Yep.","start":270.49,"end":270.97,"sentiment":"neutral","sentiment_score":0.1539696902036667},{"text":"Beautiful.","start":270.97,"end":271.47,"sentiment":"positive","sentiment_score":0.36185240745544434}],"sentiment":"neutral","sentiment_score":0.16220565197559503,"num_words":13,"start":262.875,"end":271.47},{"sentences":[{"text":"Now when it comes to occupation, has any of that changed for you in the last twelve months, Tanya?","start":272.81,"end":278.83,"sentiment":"neutral","sentiment_score":0.02410925954188171},{"text":"No.","start":280.09,"end":280.59,"sentiment":"neutral","sentiment_score":-0.08345319330692291},{"text":"No.","start":282.16498,"end":282.645,"sentiment":"neutral","sentiment_score":0.021590128540992737},{"text":"Perfect.","start":282.645,"end":283.125,"sentiment":"neutral","sentiment_score":0.2603341341018677},{"text":"You enjoy it then?","start":283.125,"end":284.82498,"sentiment":"neutral","sentiment_score":0.26766353473067284}],"sentiment":"neutral","sentiment_score":0.0664308130597839,"num_words":26,"start":272.81,"end":284.82498},{"sentences":[{"text":"Yeah.","start":287.205,"end":287.705,"sentiment":"neutral","sentiment_score":0.09535650908946992},{"text":"You must be pretty good at that too, though, if you've been doing it for so long.","start":289.04498,"end":292.50497,"sentiment":"neutral","sentiment_score":0.13200675279778593},{"text":"And I and would you be coming up soon to getting long service leave then?","start":294.72498,"end":302.97,"sentiment":"neutral","sentiment_score":-0.011466915408770243},{"text":"Oh, nice.","start":306.06998,"end":306.88998,"sentiment":"neutral","sentiment_score":0.15376711636781693},{"text":"Yeah.","start":310.455,"end":310.955,"sentiment":"neutral","sentiment_score":0.046136222779750824}],"sentiment":"neutral","sentiment_score":0.07003161197321282,"num_words":36,"start":287.205,"end":310.955},{"sentences":[{"text":"Now I have income here at around 107,000.","start":312.29498,"end":315.595,"sentiment":"neutral","sentiment_score":0.025730348890647292},{"text":"Is that still the case?","start":315.815,"end":317.115,"sentiment":"neutral","sentiment_score":0.012357188947498798},{"text":"116?","start":320.79,"end":321.47,"sentiment":"neutral","sentiment_score":0.015063546597957613},{"text":"Nice.","start":321.47,"end":321.75,"sentiment":"neutral","sentiment_score":0.1965865194797516},{"text":"I'll update that.","start":321.75,"end":323.69,"sentiment":"neutral","sentiment_score":0.14462263882160187}],"sentiment":"neutral","sentiment_score":0.05073037324473262,"num_words":18,"start":312.29498,"end":323.69},{"sentences":[{"text":"Perfect.","start":325.11002,"end":325.61002,"sentiment":"neutral","sentiment_score":0.16044852137565613},{"text":"Otherwise, when it comes to your assets, I have here your main property was last tied at about 500,000.","start":329.03,"end":336.745,"sentiment":"neutral","sentiment_score":0.012491497456243164},{"text":"Is that still the case?","start":338.165,"end":339.465,"sentiment":"neutral","sentiment_score":0.006054904870688915},{"text":"No.","start":341.925,"end":342.16498,"sentiment":"neutral","sentiment_score":-0.08661174774169922},{"text":"That's okay.","start":342.16498,"end":342.82498,"sentiment":"neutral","sentiment_score":-0.05185028351843357}],"sentiment":"neutral","sentiment_score":0.008491042236398374,"num_words":28,"start":325.11002,"end":342.82498},{"sentences":[{"text":"Last time, it was around 500.","start":343.845,"end":346.025,"sentiment":"neutral","sentiment_score":-0.03714351449161768},{"text":"Yep.","start":347.32,"end":347.82,"sentiment":"neutral","sentiment_score":0.02346639335155487},{"text":"And I had as well mortgage at about 458,000.","start":347.88,"end":353.34,"sentiment":"neutral","sentiment_score":0.013832281654079756},{"text":"4 50.","start":355.72,"end":356.54,"sentiment":"neutral","sentiment_score":-0.013966090977191925},{"text":"Sometimes it feels like that because, obviously, interest and stuff like that.","start":358.52,"end":361.495,"sentiment":"neutral","sentiment_score":-0.08426511473953724}],"sentiment":"neutral","sentiment_score":-0.03713392391800881,"num_words":30,"start":343.845,"end":361.495},{"sentences":[{"text":"It's the same with my mortgage.","start":361.495,"end":362.855,"sentiment":"neutral","sentiment_score":-0.03987902030348778},{"text":"I'm like, I'm paying and paying and paying.","start":362.855,"end":364.555,"sentiment":"neutral","sentiment_score":-0.05419068527407944},{"text":"Yeah.","start":367.975,"end":368.475,"sentiment":"neutral","sentiment_score":-0.06063093990087509},{"text":"Yeah.","start":369.975,"end":370.475,"sentiment":"neutral","sentiment_score":-0.020877735689282417},{"text":"Probably because do you have variable rates as 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frustration.","start":391.48502,"end":393.02502,"sentiment":"negative","sentiment_score":-0.5624112844467163}],"sentiment":"negative","sentiment_score":-0.42970932631825026,"num_words":65,"start":375.21002,"end":393.02502},{"sentences":[{"text":"Otherwise, other assets I have here are huge.","start":395.48502,"end":398.70502,"sentiment":"neutral","sentiment_score":-0.021897785365581512},{"text":"Buy it out of about 46,000.","start":399.325,"end":401.665,"sentiment":"neutral","sentiment_score":0.046850656159222126},{"text":"Okay.","start":404.18,"end":404.68,"sentiment":"neutral","sentiment_score":0.13326233625411987},{"text":"Perfect.","start":405.06,"end":405.56,"sentiment":"positive","sentiment_score":0.33684802055358887},{"text":"Do you have the caravan still?","start":405.94,"end":407.8,"sentiment":"neutral","sentiment_score":0.10404678558309872}],"sentiment":"neutral","sentiment_score":0.05455966928804463,"num_words":22,"start":395.48502,"end":407.8},{"sentences":[{"text":"Yep.","start":408.98,"end":409.22,"sentiment":"neutral","sentiment_score":0.03629222512245178},{"text":"And about 20,000?","start":409.22,"end":410.92,"sentiment":"neutral","sentiment_score":0.019452923598388832},{"text":"Yep.","start":412.42,"end":412.92,"sentiment":"neutral","sentiment_score":0.02107868157327175},{"text":"And do you have any other motor 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40?","start":440.89,"end":451.795,"sentiment":"neutral","sentiment_score":-0.036318115476104945},{"text":"Okay.","start":451.795,"end":452.295,"sentiment":"neutral","sentiment_score":0.007968267425894737},{"text":"45.","start":452.755,"end":453.395,"sentiment":"neutral","sentiment_score":0.017363708466291428}],"sentiment":"neutral","sentiment_score":-0.026190841931008523,"num_words":31,"start":439.13,"end":453.395},{"sentences":[{"text":"Oh, that's good.","start":453.395,"end":454.45502,"sentiment":"neutral","sentiment_score":0.13370011746883392},{"text":"Otherwise, I have here a loan of $5,000.","start":455.76,"end":459.94,"sentiment":"neutral","sentiment_score":0.056637372355908155},{"text":"Is that correct?","start":462.32,"end":463.22,"sentiment":"neutral","sentiment_score":0.02528570095698039},{"text":"Yeah.","start":464.24,"end":464.74,"sentiment":"neutral","sentiment_score":-0.0022795693948864937},{"text":"Okay.","start":466.89502,"end":467.39502,"sentiment":"neutral","sentiment_score":0.012083524838089945}],"sentiment":"neutral","sentiment_score":0.05874127434799448,"num_words":16,"start":453.395,"end":467.39502},{"sentences":[{"text":"Yep.","start":467.61502,"end":468.11502,"sentiment":"neutral","sentiment_score":0.03306807577610016},{"text":"Yeah.","start":470.33502,"end":470.655,"sentiment":"neutral","sentiment_score":-0.02801813930273056},{"text":"And that's especially nowadays with prices and everything too.","start":470.655,"end":473.875,"sentiment":"neutral","sentiment_score":-0.14553199625677532},{"text":"It's most people, unfortunately, in the same situation.","start":474.89502,"end":477.795,"sentiment":"neutral","sentiment_score":-0.2053503356873989},{"text":"Any other changes to assets or liabilities otherwise?","start":479.65,"end":482.63,"sentiment":"neutral","sentiment_score":-0.08548619598150253}],"sentiment":"neutral","sentiment_score":-0.1344974178958822,"num_words":27,"start":467.61502,"end":482.63},{"sentences":[{"text":"No.","start":484.61,"end":485.11,"sentiment":"neutral","sentiment_score":-0.08060216903686523},{"text":"Perfect.","start":485.25,"end":485.75,"sentiment":"neutral","sentiment_score":0.015853654593229294},{"text":"Have you had any changes to your health in the last twelve months?","start":486.61,"end":490.15,"sentiment":"neutral","sentiment_score":-0.057428865478588983},{"text":"Nope.","start":491.98502,"end":492.305,"sentiment":"neutral","sentiment_score":-0.08648550510406494},{"text":"Great.","start":492.305,"end":492.805,"sentiment":"neutral","sentiment_score":0.08213286101818085}],"sentiment":"neutral","sentiment_score":-0.04798096527948099,"num_words":17,"start":484.61,"end":492.805},{"sentences":[{"text":"And do you have private health insurance?","start":494.065,"end":495.92502,"sentiment":"neutral","sentiment_score":-0.0058584873165403095},{"text":"Okay.","start":503.265,"end":503.765,"sentiment":"neutral","sentiment_score":-0.0316387340426445},{"text":"So you don't have, like, hospital covers or anything like that?","start":503.9,"end":508.08002,"sentiment":"neutral","sentiment_score":-0.10490150681950829},{"text":"No.","start":508.86002,"end":509.36002,"sentiment":"negative","sentiment_score":-0.5236551761627197},{"text":"Yeah.","start":510.78,"end":511.28,"sentiment":"neutral","sentiment_score":-0.15929219126701355}],"sentiment":"neutral","sentiment_score":-0.09092914703346434,"num_words":21,"start":494.065,"end":511.28},{"sentences":[{"text":"The only thing I do wanna yeah.","start":511.34,"end":514.72003,"sentiment":"neutral","sentiment_score":-0.19391530645745142},{"text":"The only thing I do wanna flag with you is that because you are a high income earner, if you don't have it also depends on, like, your husband if you share finances and and your household income.","start":514.94,"end":530.365,"sentiment":"neutral","sentiment_score":-0.03210905250652056},{"text":"But if I'm just looking from an individual point of view, if you earn more than 101,000 at the moment, which you do, you are eligible to pay the medical levy surcharge.","start":530.93,"end":544.57495,"sentiment":"neutral","sentiment_score":-0.025248641904909164},{"text":"So it is an additional tax for high income earners if you don't have private health insurance.","start":544.63495,"end":550.01495,"sentiment":"neutral","sentiment_score":-0.07810759128016584},{"text":"So Yeah.","start":550.95496,"end":556.97,"sentiment":"neutral","sentiment_score":0.03863878361880779}],"sentiment":"neutral","sentiment_score":-0.04829228297846081,"num_words":96,"start":511.34,"end":556.97},{"sentences":[{"text":"Okay.","start":556.97,"end":557.37,"sentiment":"neutral","sentiment_score":0.11208397150039671},{"text":"Perfect.","start":557.37,"end":557.77,"sentiment":"neutral","sentiment_score":0.2546684145927429},{"text":"Yeah.","start":557.77,"end":558.01,"sentiment":"neutral","sentiment_score":0.0977022796869278},{"text":"I do wanna just take a something, but don't know.","start":558.01,"end":560.19,"sentiment":"neutral","sentiment_score":0.03457106575369835},{"text":"Or other times, it's like yeah.","start":560.64996,"end":563.23,"sentiment":"neutral","sentiment_score":-0.01049522077664733}],"sentiment":"neutral","sentiment_score":0.039325999929324576,"num_words":19,"start":556.97,"end":563.23},{"sentences":[{"text":"Perfect.","start":563.29,"end":563.79,"sentiment":"neutral","sentiment_score":0.13245642185211182},{"text":"No.","start":563.93,"end":564.43,"sentiment":"neutral","sentiment_score":-0.035122100263834},{"text":"Okay.","start":567.29,"end":567.79,"sentiment":"neutral","sentiment_score":-0.05858301371335983},{"text":"Yep.","start":568.01,"end":568.51,"sentiment":"neutral","sentiment_score":-0.026674222201108932},{"text":"Yeah.","start":569.805,"end":570.285,"sentiment":"neutral","sentiment_score":0.04097099229693413}],"sentiment":"neutral","sentiment_score":0.010609615594148636,"num_words":5,"start":563.29,"end":570.285},{"sentences":[{"text":"And and I I have so many clients that's the same.","start":570.285,"end":572.925,"sentiment":"neutral","sentiment_score":0.06140485473654487},{"text":"And to be fair, I'm similar in that.","start":572.925,"end":575.005,"sentiment":"neutral","sentiment_score":0.05103945964947343},{"text":"They're in the reason you would have it.","start":575.005,"end":576.865,"sentiment":"neutral","sentiment_score":0.05884956615045667},{"text":"If you don't utilize that for extra stuff, which I don't, it is just for the tax.","start":577.565,"end":582.69,"sentiment":"neutral","sentiment_score":-0.07682583919342827},{"text":"And sometimes sometimes it works out better.","start":582.69,"end":585.27,"sentiment":"neutral","sentiment_score":0.07159511372447014}],"sentiment":"neutral","sentiment_score":0.014699845848714603,"num_words":51,"start":570.285,"end":585.27},{"sentences":[{"text":"Sometimes you still have to pay, and then, yeah, it's just a trade off of what you are wanting to 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all?","start":601.105,"end":605.925,"sentiment":"neutral","sentiment_score":0.059188729617744684}],"sentiment":"neutral","sentiment_score":0.11005039494484663,"num_words":75,"start":585.64996,"end":605.925},{"sentences":[{"text":"Yes.","start":607.36,"end":607.76,"sentiment":"neutral","sentiment_score":0.19352731108665464},{"text":"Perfect.","start":607.76,"end":608.26,"sentiment":"neutral","sentiment_score":0.3229997754096985},{"text":"And that is has that been updated since your your marriage as well?","start":608.56,"end":614.34,"sentiment":"neutral","sentiment_score":0.1297387583897664},{"text":"Okay.","start":618.495,"end":618.995,"sentiment":"neutral","sentiment_score":0.004955355077981949},{"text":"Because sometimes okay.","start":619.215,"end":621.935,"sentiment":"neutral","sentiment_score":0.03051505361994107}],"sentiment":"neutral","sentiment_score":0.1210332348158485,"num_words":19,"start":607.36,"end":621.935},{"sentences":[{"text":"Perfect.","start":621.935,"end":622.435,"sentiment":"neutral","sentiment_score":0.2095634490251541},{"text":"Because sometimes as well, just check it because I'm not a lawyer, so I can't give you any legal advice.","start":622.815,"end":627.055,"sentiment":"neutral","sentiment_score":-0.05174658140167594},{"text":"But sometimes when you do get married, that cancels out previous bills.","start":627.055,"end":631.635,"sentiment":"neutral","sentiment_score":-0.03838690184056759},{"text":"So just make sure if you need to get it updated or anything after changes, but it is good that you do have your mom and sister as executor, and that's all in place.","start":632.45,"end":642.39,"sentiment":"neutral","sentiment_score":0.316730826819206},{"text":"Otherwise, when it comes to your super and insurances, we don't actually have a nomination on file for you at the moment.","start":644.295,"end":650.795,"sentiment":"neutral","sentiment_score":-0.085309237241745}],"sentiment":"neutral","sentiment_score":0.08546105495999369,"num_words":89,"start":621.935,"end":650.795},{"sentences":[{"text":"So if something were to happen to you, do you know who would you like to nominate to receive that?","start":651.895,"end":658.395,"sentiment":"neutral","sentiment_score":0.013389054033905268},{"text":"Yep.","start":663.09,"end":663.33,"sentiment":"neutral","sentiment_score":0.0614948570728302},{"text":"So what I can do, because it is making a legal nominate Yes.","start":663.33,"end":668.79004,"sentiment":"neutral","sentiment_score":0.027208232679046117},{"text":"Unfortunately.","start":669.01,"end":669.51,"sentiment":"neutral","sentiment_score":-0.03533031791448593},{"text":"But that way, it is important so we can make sure that it's in order.","start":671.90497,"end":676.805,"sentiment":"neutral","sentiment_score":-0.01949142316977183}],"sentiment":"neutral","sentiment_score":0.007105625942349434,"num_words":50,"start":651.895,"end":676.805},{"sentences":[{"text":"Now, Tanya, do you have access to a printer, or do you prefer it to be posted out to you?","start":677.665,"end":683.045,"sentiment":"neutral","sentiment_score":0.02463689339347184},{"text":"Yeah.","start":689.44,"end":689.68,"sentiment":"neutral","sentiment_score":0.17987391352653503},{"text":"Okay.","start":689.68,"end":690.0,"sentiment":"neutral","sentiment_score":0.3226175308227539},{"text":"Amazing.","start":690.0,"end":690.48,"sentiment":"positive","sentiment_score":0.5695837736129761},{"text":"That's fine.","start":690.48,"end":691.22003,"sentiment":"positive","sentiment_score":0.5004285573959351}],"sentiment":"neutral","sentiment_score":0.10262680802494288,"num_words":25,"start":677.665,"end":691.22003},{"sentences":[{"text":"Sometimes makes it easier because then you have it in your inbox as well.","start":691.28,"end":694.18,"sentiment":"positive","sentiment_score":0.44657791938100544},{"text":"First, it makes it quicker, but then also it's there.","start":694.32,"end":696.72003,"sentiment":"neutral","sentiment_score":0.25968587696552276},{"text":"So if you ever sometimes people lose mail and stuff.","start":696.72003,"end":699.54004,"sentiment":"neutral","sentiment_score":-0.05617181044071913},{"text":"That way, it yep.","start":699.735,"end":702.15497,"sentiment":"neutral","sentiment_score":0.03696410171687603},{"text":"So many people are like, I said, do you have a printer?","start":702.21497,"end":704.055,"sentiment":"neutral","sentiment_score":0.011883343880375227}],"sentiment":"neutral","sentiment_score":0.1715537614002824,"num_words":50,"start":691.28,"end":704.055},{"sentences":[{"text":"Then if you're like, yes.","start":704.055,"end":704.855,"sentiment":"neutral","sentiment_score":0.04772505573928356},{"text":"Please do that.","start":704.855,"end":705.755,"sentiment":"neutral","sentiment_score":0.08735087513923645},{"text":"So I would get the team to email that to you.","start":706.135,"end":708.855,"sentiment":"neutral","sentiment_score":0.09426437250592491},{"text":"Now we can send it to TanyaBliss@Outlook.com.","start":708.855,"end":711.755,"sentiment":"neutral","sentiment_score":0.08336104239736285},{"text":"Okay.","start":715.44,"end":715.92,"sentiment":"neutral","sentiment_score":0.2303843200206757}],"sentiment":"neutral","sentiment_score":0.08709250438820433,"num_words":27,"start":704.055,"end":715.92},{"sentences":[{"text":"Perfect.","start":715.92,"end":716.42,"sentiment":"positive","sentiment_score":0.421941339969635},{"text":"I'll just update the record so we do have your new one anyway to make sure we don't send anything to your old one.","start":717.75995,"end":723.77997,"sentiment":"neutral","sentiment_score":0.15905664954334497},{"text":"I will get the the forms sent out to you.","start":724.24,"end":728.015,"sentiment":"neutral","sentiment_score":0.1228904515504837},{"text":"And then, yeah, when you have a moment, print it out, obviously, completed, and the spouse is a valid nomination as well.","start":728.475,"end":735.195,"sentiment":"neutral","sentiment_score":0.16343456438996576},{"text":"And if something were to happen to you, it will go tax free to him as well.","start":735.195,"end":738.57,"sentiment":"neutral","sentiment_score":0.287475116112653}],"sentiment":"neutral","sentiment_score":0.18852490317579862,"num_words":74,"start":715.92,"end":738.57},{"sentences":[{"text":"Perfect.","start":740.81,"end":741.31,"sentiment":"positive","sentiment_score":0.6599000692367554},{"text":"Now, otherwise, when it comes to goals for yourself, I have here that last time we caught up with you, your main focus was to kind of pay down the mortgage as much as possible and maybe do some renovations to the house.","start":741.77,"end":757.125,"sentiment":"neutral","sentiment_score":0.16231635542109954},{"text":"Is that still kind of the goal?","start":757.425,"end":759.76495,"sentiment":"neutral","sentiment_score":0.06724424394113677},{"text":"Yeah.","start":761.425,"end":761.925,"sentiment":"neutral","sentiment_score":0.06507492065429688},{"text":"That's fine.","start":763.26495,"end":764.245,"sentiment":"neutral","sentiment_score":0.2218109518289566}],"sentiment":"neutral","sentiment_score":0.15960944230081858,"num_words":54,"start":740.81,"end":764.245},{"sentences":[{"text":"Sometimes it's long terms as well and fine, especially if things always come up, and you've obviously had a bit of changes.","start":764.945,"end":769.605,"sentiment":"neutral","sentiment_score":0.1036451504650441},{"text":"Yeah.","start":770.06,"end":770.56,"sentiment":"neutral","sentiment_score":-0.01500007137656212},{"text":"So yeah.","start":771.02,"end":774.86,"sentiment":"neutral","sentiment_score":-0.008818117901682855},{"text":"And that's yeah.","start":774.86,"end":775.82,"sentiment":"neutral","sentiment_score":-0.0015554505710800488},{"text":"And that's that's also why the interest the first twelve months you see as well with the payments, it's barely moving, and it can feel frustrating because it's with the interest.","start":775.82,"end":786.735,"sentiment":"neutral","sentiment_score":-0.18427004244539044}],"sentiment":"neutral","sentiment_score":-0.05880475702490342,"num_words":59,"start":764.945,"end":786.735},{"sentences":[{"text":"So it should, as you get closed up, feel better.","start":786.735,"end":789.715,"sentiment":"neutral","sentiment_score":0.0475593626499176},{"text":"But but I'm the same.","start":790.495,"end":791.375,"sentiment":"neutral","sentiment_score":0.014455724880099297},{"text":"I bought a house last year, and, yeah, I'm the same.","start":791.375,"end":794.015,"sentiment":"neutral","sentiment_score":0.1306271661411632},{"text":"It's barely moving, and I'm like, come on now.","start":794.015,"end":796.915,"sentiment":"neutral","sentiment_score":-0.03180101410382324},{"text":"Otherwise, is there something else that you are working towards that you're wanting kind of to achieve in the next twelve months or so?","start":798.51,"end":805.33,"sentiment":"neutral","sentiment_score":0.12985051718230048}],"sentiment":"neutral","sentiment_score":0.08160973498124187,"num_words":59,"start":786.735,"end":805.33},{"sentences":[{"text":"Yeah.","start":807.71,"end":808.21,"sentiment":"neutral","sentiment_score":0.016769520938396454},{"text":"That's good.","start":811.08496,"end":811.82495,"sentiment":"neutral","sentiment_score":0.3073287904262543},{"text":"Yep.","start":812.44495,"end":812.925,"sentiment":"neutral","sentiment_score":0.11172936856746674},{"text":"Perfect.","start":812.925,"end":813.425,"sentiment":"neutral","sentiment_score":0.19526252150535583},{"text":"And it's it's good for, like, to get rid of, like, small ones, and then you have the other one and just to kinda, yeah, just to tryna focus on that.","start":813.485,"end":821.985,"sentiment":"neutral","sentiment_score":0.10004331171512604}],"sentiment":"neutral","sentiment_score":0.1122156015286843,"num_words":36,"start":807.71,"end":821.985},{"sentences":[{"text":"No.","start":822.045,"end":822.285,"sentiment":"neutral","sentiment_score":-0.007394291460514069},{"text":"That's really good.","start":822.285,"end":823.345,"sentiment":"neutral","sentiment_score":0.09854822605848312},{"text":"Now, otherwise, when it comes through superannuation, I have you here as we have you invested in a high growth portfolio.","start":824.15,"end":834.09,"sentiment":"neutral","sentiment_score":0.13305631563777015},{"text":"Do you remember what it means to be a high growth investor at all?","start":835.27,"end":839.565,"sentiment":"neutral","sentiment_score":0.10518255590328149},{"text":"Yes.","start":844.765,"end":845.245,"sentiment":"neutral","sentiment_score":0.11969171464443208}],"sentiment":"neutral","sentiment_score":0.11686701280996203,"num_words":40,"start":822.045,"end":845.245},{"sentences":[{"text":"Kind of.","start":845.245,"end":845.985,"sentiment":"neutral","sentiment_score":0.1440088003873825},{"text":"It is it is where you are looking at getting as much growth as you possibly can out of your superannuation while you do have the time.","start":846.525,"end":854.465,"sentiment":"neutral","sentiment_score":0.2548792555376335},{"text":"But at the same time as well, you are prepared and understand that short term, there will be ups and downs and market fluctuations in a high growth portfolio.","start":854.95,"end":863.13,"sentiment":"neutral","sentiment_score":0.03647159829992672},{"text":"For some years, depending on what is going on in the world, might not be as good.","start":863.51,"end":867.37,"sentiment":"neutral","sentiment_score":-0.11588545012123444},{"text":"Other years will be a lot better.","start":867.615,"end":869.215,"sentiment":"neutral","sentiment_score":-0.004760555390800748}],"sentiment":"neutral","sentiment_score":0.07590313794136774,"num_words":82,"start":845.245,"end":869.215},{"sentences":[{"text":"So long term, you will achieve that higher growth.","start":869.215,"end":872.115,"sentiment":"neutral","sentiment_score":0.28777259753810036},{"text":"But on a year to year or shorter, sometimes it can be a little bit more fluctuations in the shorter.","start":872.495,"end":877.715,"sentiment":"neutral","sentiment_score":-0.10029349252581596},{"text":"You do have plenty of time until retirement.","start":878.175,"end":880.675,"sentiment":"neutral","sentiment_score":0.03340945113450289},{"text":"So you are in you are in a good position to take advantage of that, though, and you definitely have that you know, if there's a bit of a market dip in what's happening, you have the time behind you in a high growth portfolio.","start":881.63,"end":895.33,"sentiment":"neutral","sentiment_score":0.09474887371891075},{"text":"Because, ideally, we'd like to see about eight years on field retirement in a high growth, which you'd do.","start":895.39,"end":900.985,"sentiment":"neutral","sentiment_score":0.21929799647707687}],"sentiment":"neutral","sentiment_score":0.09189822165166388,"num_words":101,"start":869.215,"end":900.985},{"sentences":[{"text":"So from a time frame point of view, it is well suited for you.","start":901.365,"end":904.885,"sentiment":"neutral","sentiment_score":0.21568581568343298},{"text":"Are you still comfortable with high growth?","start":904.885,"end":907.70496,"sentiment":"neutral","sentiment_score":0.04839156727705683},{"text":"Otherwise, when it comes to your risk yep.","start":908.08496,"end":909.925,"sentiment":"neutral","sentiment_score":-0.041245194151997566},{"text":"Beautiful.","start":909.925,"end":910.425,"sentiment":"positive","sentiment_score":0.39145761728286743},{"text":"Now I have to send you an email with some documents as well there, Tanya.","start":912.005,"end":916.42004,"sentiment":"neutral","sentiment_score":0.0957383950551351}],"sentiment":"neutral","sentiment_score":0.10790920845336384,"num_words":45,"start":901.365,"end":916.42004},{"sentences":[{"text":"It it goes to your old email.","start":917.04004,"end":919.22003,"sentiment":"neutral","sentiment_score":0.0371812784246036},{"text":"Do you have access to that at the moment, or are you a bit busy right now?","start":919.68,"end":924.10004,"sentiment":"neutral","sentiment_score":-0.00449184246142121},{"text":"That's okay.","start":926.095,"end":926.83496,"sentiment":"neutral","sentiment_score":0.014646939700469375},{"text":"Yeah?","start":928.01495,"end":928.415,"sentiment":"neutral","sentiment_score":0.04198473691940307},{"text":"Okay.","start":928.415,"end":928.915,"sentiment":"neutral","sentiment_score":0.06968943029642105}],"sentiment":"neutral","sentiment_score":0.01160270263374384,"num_words":28,"start":917.04004,"end":928.915},{"sentences":[{"text":"Because it is up to you.","start":928.975,"end":930.255,"sentiment":"neutral","sentiment_score":0.1358302248020967},{"text":"It does make it easier if you can access it, but if you can't, I can just quickly run through it.","start":930.255,"end":935.535,"sentiment":"neutral","sentiment_score":0.1687731615134648},{"text":"And then when you are home later and you have time, you can always go through it.","start":935.535,"end":938.57495,"sentiment":"neutral","sentiment_score":0.1688569214414148},{"text":"And then any questions, you can then let me know.","start":938.57495,"end":940.83496,"sentiment":"neutral","sentiment_score":0.17097086012363433},{"text":"It is up to you.","start":941.19,"end":942.41003,"sentiment":"neutral","sentiment_score":0.17906726598739625}],"sentiment":"neutral","sentiment_score":0.16669203959784265,"num_words":59,"start":928.975,"end":942.41003},{"sentences":[{"text":"Yes.","start":945.03,"end":945.53,"sentiment":"neutral","sentiment_score":0.08546467870473862},{"text":"Yep.","start":945.59,"end":945.91003,"sentiment":"neutral","sentiment_score":0.0503409281373024},{"text":"And I do wanna just kind of talk through them as well just to make sure you're obviously happy.","start":945.91003,"end":950.09,"sentiment":"positive","sentiment_score":0.48621676626958343},{"text":"Everything will be saved afterwards your account anyway.","start":951.75,"end":954.415,"sentiment":"positive","sentiment_score":0.5085585676133633},{"text":"So if you when you do have a bit more time, you wanna go through them and have a look at it, it's all there.","start":954.415,"end":958.995,"sentiment":"neutral","sentiment_score":0.2956272029876709}],"sentiment":"positive","sentiment_score":0.3857976441030149,"num_words":54,"start":945.03,"end":958.995},{"sentences":[{"text":"I always have a copy on file as well.","start":959.055,"end":961.875,"sentiment":"neutral","sentiment_score":0.20666939351293775},{"text":"Now we have changed the software, so it might look a little bit different, But you should see an email come through, and you should see before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email.","start":962.975,"end":979.67,"sentiment":"neutral","sentiment_score":0.0423885478079319},{"text":"Can you see those?","start":979.73,"end":980.79,"sentiment":"neutral","sentiment_score":0.03119964897632599},{"text":"Yep.","start":986.635,"end":986.955,"sentiment":"neutral","sentiment_score":0.2489742487668991},{"text":"Beautiful.","start":986.955,"end":987.455,"sentiment":"positive","sentiment_score":0.6418173313140869}],"sentiment":"neutral","sentiment_score":0.07684680166152807,"num_words":65,"start":959.055,"end":987.455},{"sentences":[{"text":"Now I'll try to go through this pretty quickly with you because I know we have done this a couple of times, but, obviously, any questions, let me know.","start":987.755,"end":994.08,"sentiment":"neutral","sentiment_score":0.24874876285421438},{"text":"Now you should see two ones there, which I'll get you to have a look at later, which is Oakview services guide and Oakview financial services guide.","start":994.48004,"end":1003.84,"sentiment":"neutral","sentiment_score":0.09518095506010232},{"text":"Can you see those?","start":1003.84,"end":1004.98004,"sentiment":"neutral","sentiment_score":0.04665737319737673},{"text":"Yep.","start":1005.2,"end":1005.68,"sentiment":"neutral","sentiment_score":0.08961351960897446},{"text":"Perfect.","start":1005.68,"end":1006.18,"sentiment":"positive","sentiment_score":0.5511664152145386}],"sentiment":"neutral","sentiment_score":0.1711453118872258,"num_words":62,"start":987.755,"end":1006.18},{"sentences":[{"text":"Now these are your kind of compliance documents.","start":1006.515,"end":1008.775,"sentiment":"neutral","sentiment_score":0.28682612627744675},{"text":"It's the one we do send you every year.","start":1008.835,"end":1010.91504,"sentiment":"neutral","sentiment_score":0.22688159181012046},{"text":"It is a bit of an updated version, though.","start":1010.91504,"end":1013.655,"sentiment":"neutral","sentiment_score":0.09988182534774144},{"text":"None of the important information has changed, but we've had a bit of an extension to the team, which is nice.","start":1013.79504,"end":1019.88,"sentiment":"neutral","sentiment_score":0.14870754416499818},{"text":"But if you do wanna go and have a look at it, you will see everybody's all the advice team and directors and everybody in there.","start":1020.12,"end":1026.54,"sentiment":"neutral","sentiment_score":0.14536150372945345}],"sentiment":"neutral","sentiment_score":0.16627037382289156,"num_words":73,"start":1006.515,"end":1026.54},{"sentences":[{"text":"You'll also see myself in there if you do wanna put a face to the voice.","start":1026.6,"end":1030.38,"sentiment":"neutral","sentiment_score":0.07834405801258981},{"text":"But, otherwise, none of the important information has changed.","start":1031.24,"end":1034.78,"sentiment":"neutral","sentiment_score":-0.019333972078230646},{"text":"Now you should also see one where it says super and insurance summary.","start":1035.5549,"end":1039.715,"sentiment":"neutral","sentiment_score":0.04609509586141659},{"text":"Can you see that?","start":1039.715,"end":1040.855,"sentiment":"neutral","sentiment_score":0.03472067974507809},{"text":"Okay.","start":1048.61,"end":1049.11,"sentiment":"neutral","sentiment_score":-0.06148112565279007}],"sentiment":"neutral","sentiment_score":0.04084039579123952,"num_words":43,"start":1026.6,"end":1049.11},{"sentences":[{"text":"And that's that one?","start":1057.1699,"end":1058.39,"sentiment":"neutral","sentiment_score":-0.04514720290899277},{"text":"Is that the one that says okay.","start":1058.9299,"end":1060.37,"sentiment":"neutral","sentiment_score":-0.00011481397918292455},{"text":"That that's okay.","start":1060.37,"end":1061.59,"sentiment":"neutral","sentiment_score":-0.008682447175184885},{"text":"Okay.","start":1062.255,"end":1062.755,"sentiment":"neutral","sentiment_score":0.01855730637907982},{"text":"Yeah.","start":1062.895,"end":1063.215,"sentiment":"neutral","sentiment_score":-0.0271679125726223}],"sentiment":"neutral","sentiment_score":-0.013503153575584292,"num_words":16,"start":1057.1699,"end":1063.215},{"sentences":[{"text":"You can go back when, you know, on the phone and have a look at it.","start":1063.215,"end":1066.095,"sentiment":"neutral","sentiment_score":0.17894548457115889},{"text":"It it it just shows you your super insurance as well.","start":1066.095,"end":1068.815,"sentiment":"neutral","sentiment_score":0.19233435663309964},{"text":"I will read it out to you anyway.","start":1068.815,"end":1070.275,"sentiment":"neutral","sentiment_score":0.14925136975944042},{"text":"You have your superannuation with hub twenty four.","start":1071.455,"end":1074.45,"sentiment":"neutral","sentiment_score":0.1786639206111431},{"text":"Now you do have about a $147,743 in there.","start":1074.61,"end":1080.47,"sentiment":"neutral","sentiment_score":0.16195633676317003}],"sentiment":"neutral","sentiment_score":0.17422567365261224,"num_words":52,"start":1063.215,"end":1080.47},{"sentences":[{"text":"And then you also have some insurances with one part.","start":1080.9299,"end":1084.71,"sentiment":"neutral","sentiment_score":0.05748049337416887},{"text":"So you have life and total permanent disability of a million dollars.","start":1084.9299,"end":1090.8251,"sentiment":"neutral","sentiment_score":0.08358674217015505},{"text":"Now are you still happy with that level of cover and everything like that?","start":1091.2051,"end":1094.8251,"sentiment":"neutral","sentiment_score":0.2876061908900738},{"text":"Yep.","start":1096.165,"end":1096.665,"sentiment":"positive","sentiment_score":0.4927425086498261},{"text":"Exactly.","start":1100.885,"end":1101.385,"sentiment":"positive","sentiment_score":0.4878666996955872}],"sentiment":"neutral","sentiment_score":0.1732879400155262,"num_words":38,"start":1080.9299,"end":1101.385},{"sentences":[{"text":"Like, all the you know, that will be cleared out.","start":1101.525,"end":1103.925,"sentiment":"positive","sentiment_score":0.3951579600572586},{"text":"It still leaves extra if something were to happen.","start":1103.925,"end":1106.67,"sentiment":"neutral","sentiment_score":0.33116118444336784},{"text":"Same if something happens to you and you can't work.","start":1106.67,"end":1108.91,"sentiment":"neutral","sentiment_score":0.28101126849651337},{"text":"Don't have to worry about the mortgage and still gives you extra money through assist.","start":1108.91,"end":1112.53,"sentiment":"neutral","sentiment_score":0.33320153852303824},{"text":"You also have an income protection, and that will pay you a monthly amount of $6,241 per month.","start":1113.95,"end":1121.1151,"sentiment":"neutral","sentiment_score":0.2483649742272165}],"sentiment":"neutral","sentiment_score":0.3098505735397339,"num_words":62,"start":1101.525,"end":1121.1151},{"sentences":[{"text":"If something were to happen, you have a sixty day waiting period and a benefit period all the way up to the age of 65.","start":1121.495,"end":1129.435,"sentiment":"neutral","sentiment_score":0.22313159286975862},{"text":"So very comprehensive.","start":1129.5751,"end":1130.7151,"sentiment":"positive","sentiment_score":0.6217954953511556},{"text":"Now all of those three are paid inside superannuation for you.","start":1131.3351,"end":1135.8799,"sentiment":"positive","sentiment_score":0.3499725027517839},{"text":"You do get a 15% tax rebate, and the premium after the tax rebate is 3,169.","start":1135.8799,"end":1144.2999,"sentiment":"neutral","sentiment_score":0.24298169370740652},{"text":"Now any questions with those so that all makes sense?","start":1147.815,"end":1151.355,"sentiment":"neutral","sentiment_score":0.06468193680047989}],"sentiment":"neutral","sentiment_score":0.24350615854446706,"num_words":65,"start":1121.495,"end":1151.355},{"sentences":[{"text":"No.","start":1153.015,"end":1153.515,"sentiment":"neutral","sentiment_score":-0.20481792092323303},{"text":"Mhmm.","start":1159.51,"end":1160.01,"sentiment":"neutral","sentiment_score":-0.18708288669586184},{"text":"That's it's a trauma.","start":1161.4299,"end":1162.89,"sentiment":"negative","sentiment_score":-0.35204868018627167},{"text":"So you have an out of pocket one, a trauma policy?","start":1163.35,"end":1167.53,"sentiment":"neutral","sentiment_score":-0.1453718455000357},{"text":"Yeah.","start":1167.99,"end":1168.49,"sentiment":"neutral","sentiment_score":-0.09380139410495758}],"sentiment":"neutral","sentiment_score":-0.19405484572052956,"num_words":18,"start":1153.015,"end":1168.49},{"sentences":[{"text":"Yes.","start":1172.245,"end":1172.745,"sentiment":"neutral","sentiment_score":0.0029113106429576874},{"text":"Okay.","start":1175.4451,"end":1175.9451,"sentiment":"neutral","sentiment_score":0.07842463999986649},{"text":"If you are comfortable to give it to me over the phone, I can pass it on through the team or they yeah.","start":1176.165,"end":1182.165,"sentiment":"neutral","sentiment_score":0.11562994122505188},{"text":"Are you happy with that?","start":1182.165,"end":1183.4651,"sentiment":"neutral","sentiment_score":0.14651668071746826},{"text":"Just just because it's better than you no.","start":1183.9601,"end":1188.92,"sentiment":"neutral","sentiment_score":-0.12772609642706811}],"sentiment":"neutral","sentiment_score":0.06451576923657405,"num_words":38,"start":1172.245,"end":1188.92},{"sentences":[{"text":"That's fine.","start":1188.92,"end":1189.66,"sentiment":"neutral","sentiment_score":0.10595452529378235},{"text":"You can give it to me because it's better than you emailing it because we don't want the paper trail for your security.","start":1190.28,"end":1195.7401,"sentiment":"neutral","sentiment_score":0.19565567277047946},{"text":"So yes.","start":1197.0801,"end":1198.2201,"sentiment":"neutral","sentiment_score":0.04138615354895592},{"text":"Yep.","start":1199.5349,"end":1200.0349,"sentiment":"neutral","sentiment_score":0.052713509649038315},{"text":"And, yeah, Bliss.","start":1201.455,"end":1202.975,"sentiment":"neutral","sentiment_score":0.0666350560883681}],"sentiment":"neutral","sentiment_score":0.16281872610711762,"num_words":31,"start":1188.92,"end":1202.975},{"sentences":[{"text":"Yep.","start":1202.975,"end":1203.475,"sentiment":"neutral","sentiment_score":0.02289404720067978},{"text":"Sorry.","start":1208.1749,"end":1208.495,"sentiment":"neutral","sentiment_score":-0.026160120964050293},{"text":"Would you mind just taking a little bit slower?","start":1208.495,"end":1210.0149,"sentiment":"neutral","sentiment_score":-0.06967173020044963},{"text":"I just wanna make sure I get it right.","start":1210.0149,"end":1211.5349,"sentiment":"neutral","sentiment_score":-0.03208997400684489},{"text":"So 0.","start":1211.5349,"end":1212.355,"sentiment":"neutral","sentiment_score":0.0008930788608267903}],"sentiment":"neutral","sentiment_score":-0.04169705699578943,"num_words":22,"start":1202.975,"end":1212.355},{"sentences":[{"text":"Yep.","start":1214.66,"end":1215.16,"sentiment":"neutral","sentiment_score":0.0011892811162397263},{"text":"780.","start":1217.62,"end":1219.0801,"sentiment":"neutral","sentiment_score":0.00380588392727077},{"text":"Yes.","start":1219.14,"end":1219.64,"sentiment":"neutral","sentiment_score":0.01235957071185112},{"text":"Nine eight.","start":1223.54,"end":1224.1,"sentiment":"neutral","sentiment_score":0.007581659825518727},{"text":"Yep.","start":1224.1,"end":1224.6,"sentiment":"neutral","sentiment_score":0.00711510656401515}],"sentiment":"neutral","sentiment_score":0.006605526995069037,"num_words":6,"start":1214.66,"end":1224.6},{"sentences":[{"text":"Two five two.","start":1226.5951,"end":1227.555,"sentiment":"neutral","sentiment_score":0.00512085606654485},{"text":"Yes.","start":1227.555,"end":1228.055,"sentiment":"neutral","sentiment_score":0.012209883891046047},{"text":"0039.","start":1230.435,"end":1232.295,"sentiment":"neutral","sentiment_score":0.01233421452343464},{"text":"Beautiful.","start":1232.5951,"end":1233.0951,"sentiment":"positive","sentiment_score":0.4555213153362274},{"text":"NAB.","start":1234.755,"end":1235.255,"sentiment":"neutral","sentiment_score":0.10987286269664764}],"sentiment":"neutral","sentiment_score":0.08647154923528433,"num_words":7,"start":1226.5951,"end":1235.255},{"sentences":[{"text":"Yep.","start":1235.395,"end":1235.795,"sentiment":"neutral","sentiment_score":0.2320121228694916},{"text":"Perfect.","start":1235.795,"end":1236.295,"sentiment":"positive","sentiment_score":0.4717172682285309},{"text":"Now I will let the insurance team know to update that today for you so we can get that sorted and all updated.","start":1236.8351,"end":1248.21,"sentiment":"neutral","sentiment_score":0.2507239735644797},{"text":"That is no problem.","start":1249.63,"end":1251.09,"sentiment":"neutral","sentiment_score":0.2526499964296818},{"text":"Now with the trauma, so that is covering you for traumatic events if something were to happen.","start":1251.71,"end":1257.565,"sentiment":"neutral","sentiment_score":0.002155036282013444}],"sentiment":"neutral","sentiment_score":0.16342644316508717,"num_words":46,"start":1235.395,"end":1257.565},{"sentences":[{"text":"So the biggest ones we typically see are, like, your cancer, stroke, heart attack, neurological condition, and this one is paid tax free to you back pocket straight away as well.","start":1257.945,"end":1266.81,"sentiment":"neutral","sentiment_score":0.039099687830575054},{"text":"So you are covered for about $82,000 at the moment that would be paid out, and you do have a secondary life policy attached to it.","start":1268.17,"end":1277.9501,"sentiment":"neutral","sentiment_score":0.07161098016569248},{"text":"Now, usually, that is just to reduce the premium of the trauma just because the insurance have multi policy discounts.","start":1278.0901,"end":1285.4451,"sentiment":"neutral","sentiment_score":0.05041364599019289},{"text":"But often, it's actually cheaper to have a second life even though you might not need it.","start":1285.665,"end":1289.9851,"sentiment":"neutral","sentiment_score":0.09173965454101562},{"text":"But if it reduces the premium of the trauma, you get an extra 82,000 or something what happened.","start":1289.9851,"end":1295.52,"sentiment":"neutral","sentiment_score":-0.00812737157361375}],"sentiment":"neutral","sentiment_score":0.04906723362260631,"num_words":112,"start":1257.945,"end":1295.52},{"sentences":[{"text":"Sorry that you do have that, and that premium is about $18.19 per month.","start":1296.3201,"end":1301.38,"sentiment":"neutral","sentiment_score":-0.07607543468475342},{"text":"I'm not not too much there, so that is good.","start":1301.84,"end":1304.9,"sentiment":"neutral","sentiment_score":0.061588074266910556},{"text":"Did you have any question?","start":1305.36,"end":1306.5801,"sentiment":"neutral","sentiment_score":0.0218734510242939},{"text":"Yeah.","start":1310.655,"end":1310.975,"sentiment":"neutral","sentiment_score":-0.019953619688749313},{"text":"No.","start":1310.975,"end":1311.475,"sentiment":"neutral","sentiment_score":-0.040799349546432495}],"sentiment":"neutral","sentiment_score":-0.012921324420359826,"num_words":31,"start":1296.3201,"end":1311.475},{"sentences":[{"text":"It's easier to we can get that sorted for you, sir.","start":1311.535,"end":1314.895,"sentiment":"positive","sentiment_score":0.47052945603023877},{"text":"The next payment will come out of your other bank account.","start":1314.895,"end":1317.9551,"sentiment":"neutral","sentiment_score":0.14448894560337067},{"text":"Now you will also see true certificate of currency in the email there.","start":1319.4551,"end":1323.74,"sentiment":"neutral","sentiment_score":0.1587124398121467},{"text":"That is just basically outlining your insurances in a bit more detail for you.","start":1324.2799,"end":1329.26,"sentiment":"neutral","sentiment_score":0.14800043244447028},{"text":"Otherwise, you will have your twelve month performance report with Hub twenty four.","start":1330.76,"end":1335.74,"sentiment":"neutral","sentiment_score":0.11337377532170369}],"sentiment":"neutral","sentiment_score":0.19958595595052164,"num_words":62,"start":1311.535,"end":1335.74},{"sentences":[{"text":"This can be a little bit tricky to see on the phone sometimes because it's a little can be a little bit messy, outlines all your investments and your portfolio after fees.","start":1336.0751,"end":1345.355,"sentiment":"neutral","sentiment_score":-0.13294540555216372},{"text":"So over the past twelve months, you probably have heard and seen in the news as well.","start":1345.355,"end":1350.0,"sentiment":"neutral","sentiment_score":-0.04211592805736205},{"text":"It's been quite a few quite a bit of fluctuations in the market and in the world in the last twelve months.","start":1350.48,"end":1355.62,"sentiment":"neutral","sentiment_score":-0.15783000805161215},{"text":"First, obviously, we had everything in The US with Trump and and everything.","start":1355.92,"end":1359.94,"sentiment":"neutral","sentiment_score":-0.06541068536730912},{"text":"And more recently, obviously, everything going over with the war.","start":1360.8,"end":1364.48,"sentiment":"neutral","sentiment_score":-0.08676521517336369}],"sentiment":"neutral","sentiment_score":-0.10809015950306933,"num_words":94,"start":1336.0751,"end":1364.48},{"sentences":[{"text":"We have seen a bit of a mixed market the last twelve months.","start":1364.48,"end":1369.385,"sentiment":"neutral","sentiment_score":-0.05519929384955993},{"text":"Now we've had some really good areas in your portfolio.","start":1370.165,"end":1373.305,"sentiment":"positive","sentiment_score":0.4478465437889099},{"text":"So the way that your portfolio is designed as well is that it is very diversified.","start":1373.525,"end":1377.305,"sentiment":"positive","sentiment_score":0.5471950508654118},{"text":"So we wanna make sure if there's some areas that's performing really well, we do spread things out for you so you don't have everything in just one sector that some years is amazing and then other years is down quite a bit.","start":1377.91,"end":1388.55,"sentiment":"neutral","sentiment_score":0.13178042582301205},{"text":"We don't want that.","start":1388.55,"end":1389.19,"sentiment":"neutral","sentiment_score":-0.25043484196066856}],"sentiment":"neutral","sentiment_score":0.19977691132835176,"num_words":86,"start":1364.48,"end":1389.19},{"sentences":[{"text":"So we do wanna obviously level things out for you.","start":1389.19,"end":1391.67,"sentiment":"neutral","sentiment_score":0.13515725508332252},{"text":"So at the moment, the areas that have done really well is The US equity for you have done really well.","start":1391.67,"end":1398.365,"sentiment":"neutral","sentiment_score":0.30019176857812063},{"text":"Australian quality companies have done really well.","start":1398.985,"end":1402.585,"sentiment":"positive","sentiment_score":0.6902006098202297},{"text":"Your gold have been very strong performance as well.","start":1402.585,"end":1405.8,"sentiment":"positive","sentiment_score":0.6900906827714708},{"text":"And the gold have kind of benefited from, you know, the ongoing global uncertainty we have seen in the world.","start":1406.8401,"end":1412.78,"sentiment":"positive","sentiment_score":0.37786392867565155}],"sentiment":"positive","sentiment_score":0.3918671444503229,"num_words":67,"start":1389.19,"end":1412.78},{"sentences":[{"text":"So that's kind of the the market stabilizer from it.","start":1413.4801,"end":1416.38,"sentiment":"positive","sentiment_score":0.4572465270757675},{"text":"But I'm on the other side as well.","start":1417.0,"end":1418.3601,"sentiment":"neutral","sentiment_score":0.044237853959202766},{"text":"We've had some areas where it has been a little bit more fluctuating.","start":1418.3601,"end":1421.845,"sentiment":"neutral","sentiment_score":-0.047825959439461045},{"text":"Now one of the investments that have been a little bit more fluctuating in the last twelve months in your India investment, we're not too concerned about that one because it's more of your somatic exposures and, like, a cyclical trend going on, and we do foresee that still being a very good investment long term for you.","start":1422.465,"end":1440.08,"sentiment":"neutral","sentiment_score":0.25897713288150986},{"text":"There's a lot of growth opportunities.","start":1440.08,"end":1441.7,"sentiment":"positive","sentiment_score":0.5081967761119207}],"sentiment":"neutral","sentiment_score":0.2355208946686042,"num_words":95,"start":1413.4801,"end":1441.7},{"sentences":[{"text":"But there is another investment that I would like to look at changing if you are happy with that, and that is your Benelon Australian equity.","start":1442.96,"end":1450.26,"sentiment":"neutral","sentiment_score":0.14435761106701997},{"text":"Now the reason we do wanna change it is we do a lot of investment research all the time on the investments, and it is really important to make sure we always have you in the best options possible for you.","start":1450.915,"end":1461.335,"sentiment":"neutral","sentiment_score":0.2708838890965392},{"text":"And the good thing with Hub twenty four is that you do have hundreds of different investment options out there that allows us to do that.","start":1461.395,"end":1468.43,"sentiment":"positive","sentiment_score":0.47300484432623935},{"text":"And if we do foresee one investment, if it's underperforming a little bit and we don't foresee it come back around, we then wanna change it to something else because things are always changing.","start":1468.43,"end":1477.5701,"sentiment":"neutral","sentiment_score":0.019954872995560223},{"text":"So with your Benelon Australian equity, that one was added to your portfolio because it's kind of giving you the the active management where they are trying to actively buy and sell different investments in order to kinda outperform the market.","start":1477.79,"end":1493.345,"sentiment":"neutral","sentiment_score":0.1633539303410344}],"sentiment":"neutral","sentiment_score":0.20555738166079945,"num_words":168,"start":1442.96,"end":1493.345},{"sentences":[{"text":"But they have, like I said, recently been a little bit slower in making those decisions.","start":1494.82,"end":1499.0,"sentiment":"neutral","sentiment_score":-0.18552679382264614},{"text":"But if that is the case, we wanna make sure we can swap it for something that's going to do a little bit better for you moving forward.","start":1499.38,"end":1505.24,"sentiment":"neutral","sentiment_score":0.08741347278867449},{"text":"And we have found one.","start":1505.5399,"end":1507.0,"sentiment":"neutral","sentiment_score":0.03371944688260555},{"text":"No.","start":1508.325,"end":1508.645,"sentiment":"neutral","sentiment_score":-0.1344529688358307},{"text":"That is okay.","start":1508.645,"end":1509.605,"sentiment":"neutral","sentiment_score":-0.05934580167134603}],"sentiment":"neutral","sentiment_score":-0.012542350990873462,"num_words":53,"start":1494.82,"end":1509.605},{"sentences":[{"text":"And that is what we're here to do.","start":1509.605,"end":1510.725,"sentiment":"neutral","sentiment_score":0.04877790529280901},{"text":"I just obviously wanna let you know.","start":1510.725,"end":1512.745,"sentiment":"neutral","sentiment_score":0.07521390169858932},{"text":"But we obviously do the research and everything, and we have found another option for you, which is your your beta shares Australia two 100.","start":1513.205,"end":1521.385,"sentiment":"neutral","sentiment_score":0.10452557444572448},{"text":"It is still swapping an Australian investment to an Australian investment because we still wanna make sure you have some exposures.","start":1522.31,"end":1528.23,"sentiment":"neutral","sentiment_score":0.06774776428937912},{"text":"We don't want, like I said earlier, everything in one area.","start":1528.23,"end":1531.03,"sentiment":"neutral","sentiment_score":-0.04687788947062059}],"sentiment":"neutral","sentiment_score":0.061623696962164506,"num_words":72,"start":1509.605,"end":1531.03},{"sentences":[{"text":"We wanna diversify things for you.","start":1531.03,"end":1533.19,"sentiment":"neutral","sentiment_score":0.054814402324457966},{"text":"But this investment here is a little bit cheaper than your Benelung investment, and it has performed a little bit better for you as well.","start":1533.19,"end":1539.5951,"sentiment":"positive","sentiment_score":0.5693919658660889},{"text":"And because it's more kind of following the 200 largest companies in Australia, it might be a little bit smoother than your Benelung, which is trying to do more of that kind of more frequent buying and selling.","start":1540.375,"end":1553.04,"sentiment":"positive","sentiment_score":0.4003735984626569},{"text":"So if you are happy for us to do that change, Tanya, what I will do is I will just send you something that's called a record of advice.","start":1553.26,"end":1561.12,"sentiment":"positive","sentiment_score":0.35947383529153365},{"text":"You don't have to change sorry.","start":1561.5801,"end":1563.02,"sentiment":"neutral","sentiment_score":0.1546377552052339}],"sentiment":"positive","sentiment_score":0.3954850967006328,"num_words":104,"start":1531.03,"end":1563.02},{"sentences":[{"text":"You don't have to sign it or anything like that.","start":1563.02,"end":1564.8601,"sentiment":"neutral","sentiment_score":0.1960487872362137},{"text":"It's just for your reference so that you know we have made the change.","start":1564.8601,"end":1568.575,"sentiment":"neutral","sentiment_score":0.3196462243795395},{"text":"If you are happy for us to go ahead and do that for you.","start":1569.195,"end":1571.9349,"sentiment":"positive","sentiment_score":0.46921328561646597},{"text":"Yes.","start":1573.195,"end":1573.595,"sentiment":"positive","sentiment_score":0.4539451003074646},{"text":"Amazing.","start":1573.595,"end":1574.095,"sentiment":"positive","sentiment_score":0.6715240478515625}],"sentiment":"positive","sentiment_score":0.353249754011631,"num_words":40,"start":1563.02,"end":1574.095},{"sentences":[{"text":"You will, like I said, get it in your email as well just for your reference, but you don't need to accent or do anything with that.","start":1575.355,"end":1582.08,"sentiment":"positive","sentiment_score":0.3853754856520229},{"text":"Now the last document you will see there, Tanya, it is then if you're happy to do so, it's just those documents to sign.","start":1582.96,"end":1590.58,"sentiment":"neutral","sentiment_score":0.14017915663619837},{"text":"Now it should be two documents.","start":1591.2,"end":1593.62,"sentiment":"neutral","sentiment_score":0.09205726099510987},{"text":"One will be yeah.","start":1594.1599,"end":1596.075,"sentiment":"neutral","sentiment_score":0.15982765331864357},{"text":"Amazing.","start":1596.5549,"end":1596.955,"sentiment":"positive","sentiment_score":0.6439710855484009}],"sentiment":"neutral","sentiment_score":0.2516945667204357,"num_words":62,"start":1575.355,"end":1596.955},{"sentences":[{"text":"Thank you so much.","start":1596.955,"end":1598.095,"sentiment":"positive","sentiment_score":0.7354842275381088},{"text":"Now you would have seen that one was your ongoing service agreement.","start":1598.7949,"end":1602.8949,"sentiment":"neutral","sentiment_score":0.21718635906775793},{"text":"No changes whatsoever in regards to the fee structure.","start":1603.5149,"end":1606.235,"sentiment":"neutral","sentiment_score":0.1017149504688051},{"text":"It stays exactly the same.","start":1606.235,"end":1607.835,"sentiment":"neutral","sentiment_score":0.2676939845085144},{"text":"No changes in regards to that for you.","start":1607.835,"end":1610.16,"sentiment":"neutral","sentiment_score":0.1449470017105341}],"sentiment":"neutral","sentiment_score":0.2358329923529374,"num_words":38,"start":1596.955,"end":1610.16},{"sentences":[{"text":"And then it was a tax file number opt in form.","start":1610.3201,"end":1612.88,"sentiment":"neutral","sentiment_score":0.21169273284348575},{"text":"And that's just to say that we're keeping your tax file number secure and safe on the file.","start":1612.88,"end":1617.14,"sentiment":"positive","sentiment_score":0.39637751546170974},{"text":"And I have seen that that's come through on my end, which is great, but I will let the team know.","start":1617.36,"end":1622.1,"sentiment":"positive","sentiment_score":0.5042567196346465},{"text":"Once we've submitted that with Hub twenty four, we will then go ahead and change your email address there.","start":1622.175,"end":1628.675,"sentiment":"neutral","sentiment_score":0.16854497241346458},{"text":"And then as soon as you get your marriage certificate, if you can respond to the email that my, yep, colleague will send you just to make it easy along with your ID.","start":1628.895,"end":1638.05,"sentiment":"neutral","sentiment_score":0.23615497531312885}],"sentiment":"neutral","sentiment_score":0.3043948540500566,"num_words":102,"start":1610.3201,"end":1638.05},{"sentences":[{"text":"Then as soon as we get that, we can get that updated for both your insurances and your hub twenty four account.","start":1638.05,"end":1643.75,"sentiment":"neutral","sentiment_score":0.09646682407368314},{"text":"And then I will also let the insurance team know about your new bank account for the out of pocket trauma so we can get that sorted for you.","start":1644.05,"end":1651.59,"sentiment":"neutral","sentiment_score":0.16294770739201841},{"text":"That that was basically everything that I needed to touch on today, Tanya.","start":1652.6849,"end":1656.5249,"sentiment":"neutral","sentiment_score":0.31527423514769626},{"text":"Do you have any other questions or need anything else from me before I let you go and get back to work otherwise?","start":1656.5249,"end":1662.225,"sentiment":"neutral","sentiment_score":0.09984324807706087},{"text":"No.","start":1663.965,"end":1664.205,"sentiment":"neutral","sentiment_score":0.04839827120304108}],"sentiment":"neutral","sentiment_score":0.15103535997596654,"num_words":88,"start":1638.05,"end":1664.205},{"sentences":[{"text":"That was all good.","start":1664.205,"end":1665.2649,"sentiment":"positive","sentiment_score":0.35978156700730324},{"text":"Perfect.","start":1665.55,"end":1665.9501,"sentiment":"positive","sentiment_score":0.5003230571746826},{"text":"If you do think about anything or you need anything else, don't hesitate to give me a call or or send me an email, and we can always book you in for another catch up.","start":1665.9501,"end":1674.3989,"sentiment":"neutral","sentiment_score":0.23023992393698012},{"text":"Mhmm.","start":1675.8389,"end":1676.319,"sentiment":"neutral","sentiment_score":0.20274680852890015},{"text":"No problem at all.","start":1676.319,"end":1677.1189,"sentiment":"positive","sentiment_score":0.4233314171433449}],"sentiment":"neutral","sentiment_score":0.2643093142244551,"num_words":45,"start":1664.205,"end":1677.1189},{"sentences":[{"text":"I hope you enjoy the the rest of your day.","start":1677.1189,"end":1679.199,"sentiment":"positive","sentiment_score":0.6465023458003998},{"text":"And, again, congratulations on your marriage.","start":1679.199,"end":1681.039,"sentiment":"positive","sentiment_score":0.6652020861705145},{"text":"That's very 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Yep. I'm good. How are you? Yep. Yep. Yep. Tanya James Bliss, 1988, and 143 Parksboro Road, Parks, New South Wales 2870. Yep. Yep. Yes. So everything's updated. I'm just waiting on my marriage certificate to come back again because I spelled my witness's name wrong. So I'm waiting for that to come back, but I got an email this morning. It's open the way. Sorry. Yeah. Yep. Yep. Yes. That would be great. Yeah. I'm really bad. And do you have my email now as tanyabliss@outlook.com? Yep. Yeah. Can I update that if it comes to the right one? Tanya bliss Yes. At outlook dot com. Yeah. I do. Yeah. Yeah. Yeah. That's okay. Yep. Okay. Perfect. Yeah. That's okay. Yep. Probably best person would be the husband now. Jacob Bliss. 0456 221 150. I have three kids. Yeah. Not not in the last nine years. No. It has its moment. Well, I don't know. Holiday sounds good. So we get it from seven years. Yeah. So I've already used some of it, I guess. 116. Yep. Yep. I haven't had it valued again. Yeah. It's $4.50 now. Looks like it doesn't ever go down. I know. But I was like, oh, it was it was it was, like, under one like, $4.50, and then I was like, what the hell? Now it's going back up. Yep. Yes. So mute's going. Yeah. Yep. I have a 2021 Prado that I salary sacrifice for. Yep. Yep. Yep. I think it started off at 65, and I've had it for a year. Probably around 40 ish, 45 now. Yeah. That sounds about right. But I've got another one for 13 thousand just to get me through my life. Nope. I have the the zero inch, whatever it is, the life insurance, but that's it. No. No. It's not worth it out here. You got the same people anyway. Yes. Best Yeah. I've I've yeah. I've had to pay that the last few years, which is fine. Yeah. No. I've we've I've had private health before, and it's made no difference because you can't utilize it here. Yeah. Yep. Yep. No. But my mom is the executor. My mom and my sister. Yeah. Yeah. Would probably be a Jacob. Send me another form. Yep. All three. Yeah. Just send it through, and I'll send it through to my work one. And then I'll hit print, and then I'll just do everything back to front, but that's okay. Yep. Oh, that's me. Yep. Alright. It doesn't matter which one you send it through to. Yep. Cool. Thank you. Bye. Yep. Yep. Yeah. At the moment. It's a it's a plan, but, you know. I'll get there. I've only had the house for just over twelve months. So yeah. Yeah. Not bad. I just wanna be out of debt. Like, the other loans and stuff. Like, I've got rid of Afterpay now. I've just got the other ones to go now. If that's what works like. The big ones. Yep. There's a risk, but, hopefully, I get rich and I can retire soon. Yep. Yep. Yep. Unfortunately, yeah. K. Yep. Yes. Yep. Yep. I'm not work. I'll just put me on Yeah. You just need my signature on it, don't you? Yep. Yep. Yep. Yep. Yep. Not by me. Sure. Mhmm. It won't scroll down for me any further. There's, like, one more that it just won't give me on my phone. Yep. But it's there. I can see it. Yep. Yep. And then you're four. Yep. Yep. Yeah. That's fine. It covers everything if something happens to me, and then they don't have to worry about it. Yeah. Okay. No. It all makes sense. It's the one that is out of the super like, out of the super that I pay for. Is that the income protection or it's something? Yeah. Yep. I just need to update my bank account with that one so it comes out of the right bank account so I can close the Commonwealth. Yep. Yeah. Yeah. Because I tried to do it the other day, and I'm like, oh my god. I can't. I'm bad with technology. Yep. So account name is Tanya Bliss. BSB is 082780. 82 780. And account number is 98 252 0039. And that's with the nub? Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Because it come out the other day, and I just transferred the money across to the other bank account. I'm like, yeah. Whatever. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Well, you know what you're doing. I have no idea. Yeah. Yep. Yep. Go for it. Yeah. That was true. I've signed. Yep. Yes. Yep. I'll send it through. Yep. Perfect. Yep. Sounds good. No. I'm good. Yep. Thanks, Veronica. Thank you. 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Yep. I'm good. How are you? Yep.\n\nYep. Yep. Tanya James Bliss, 1988, and 143 Parksboro Road, Parks, New South Wales 2870. Yep. Yep.\n\nYes. So everything's updated. I'm just waiting on my marriage certificate to come back again because I spelled my witness's name wrong. So I'm waiting for that to come back, but I got an email this morning. It's open the way.\n\nSorry. Yeah. Yep. Yep. Yes.\n\nThat would be great. Yeah. I'm really bad. And do you have my email now as tanyabliss@outlook.com? Yep.\n\nYeah. Can I update that if it comes to the right one? Tanya bliss Yes. At outlook dot com. Yeah.\n\nI do. Yeah. Yeah. Yeah. That's okay.\n\nYep. Okay. Perfect. Yeah. That's okay.\n\nYep. Probably best person would be the husband now. Jacob Bliss. 0456 221 150. I have three kids.\n\nYeah. Not not in the last nine years. No. It has its moment. Well, I don't know.\n\nHoliday sounds good. So we get it from seven years. Yeah. So I've already used some of it, I guess. 116.\n\nYep. Yep. I haven't had it valued again. Yeah. It's $4.50 now.\n\nLooks like it doesn't ever go down. I know. But I was like, oh, it was it was it was, like, under one like, $4.50, and then I was like, what the hell? Now it's going back up. Yep.\n\nYes. So mute's going. Yeah. Yep. I have a 2021 Prado that I salary sacrifice for.\n\nYep. Yep. Yep. I think it started off at 65, and I've had it for a year. Probably around 40 ish, 45 now.\n\nYeah. That sounds about right. But I've got another one for 13 thousand just to get me through my life. Nope. I have the the zero inch, whatever it is, the life insurance, but that's it.\n\nNo. No. It's not worth it out here. You got the same people anyway. Yes.\n\nBest Yeah. I've I've yeah. I've had to pay that the last few years, which is fine. Yeah. No.\n\nI've we've I've had private health before, and it's made no difference because you can't utilize it here. Yeah. Yep. Yep. No.\n\nBut my mom is the executor. My mom and my sister. Yeah. Yeah. Would probably be a Jacob.\n\nSend me another form. Yep. All three. Yeah. Just send it through, and I'll send it through to my work one.\n\nAnd then I'll hit print, and then I'll just do everything back to front, but that's okay. Yep. Oh, that's me. Yep. Alright.\n\nIt doesn't matter which one you send it through to. Yep. Cool. Thank you. Bye.\n\nYep. Yep. Yeah. At the moment. It's a it's a plan, but, you know.\n\nI'll get there. I've only had the house for just over twelve months. So yeah. Yeah. Not bad.\n\nI just wanna be out of debt. Like, the other loans and stuff. Like, I've got rid of Afterpay now. I've just got the other ones to go now. If that's what works like.\n\nThe big ones. Yep. There's a risk, but, hopefully, I get rich and I can retire soon. Yep. Yep.\n\nYep. Unfortunately, yeah. K. Yep. Yes.\n\nYep. Yep. I'm not work. I'll just put me on Yeah. You just need my signature on it, don't you?\n\nYep. Yep. Yep. Yep. Yep.\n\nNot by me. Sure. Mhmm. It won't scroll down for me any further. There's, like, one more that it just won't give me on my phone.\n\nYep. But it's there. I can see it. Yep. Yep.\n\nAnd then you're four. Yep. Yep. Yeah. That's fine.\n\nIt covers everything if something happens to me, and then they don't have to worry about it. Yeah. Okay. No. It all makes sense.\n\nIt's the one that is out of the super like, out of the super that I pay for. Is that the income protection or it's something? Yeah. Yep. I just need to update my bank account with that one so it comes out of the right bank account so I can close the Commonwealth.\n\nYep. Yeah. Yeah. Because I tried to do it the other day, and I'm like, oh my god. I can't.\n\nI'm bad with technology. Yep. So account name is Tanya Bliss. BSB is 082780. 82 780.\n\nAnd account number is 98 252 0039. And that's with the nub? Yes. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Because it come out the other day, and I just transferred the money across to the other bank account. I'm like, yeah.\n\nWhatever. Yep. Yep. Yep. Yep.\n\nYes. Yep. Yep. Yep. Well, you know what you're doing.\n\nI have no idea. Yeah. Yep. Yep. Go for it.\n\nYeah. That was true. I've signed. Yep. Yes.\n\nYep. I'll send it through. Yep. Perfect. Yep.\n\nSounds good. No. I'm good. Yep. Thanks, Veronica.\n\nThank you. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.04211090877652168},{"text":"Yep.","start":3.84,"end":4.34,"sentiment":"neutral","sentiment_score":0.15034635365009308},{"text":"I'm good.","start":7.9199996,"end":8.48,"sentiment":"positive","sentiment_score":0.46188944578170776},{"text":"How are you?","start":8.48,"end":9.3,"sentiment":"neutral","sentiment_score":0.31788809100786847},{"text":"Yep.","start":13.424999,"end":13.924999,"sentiment":"neutral","sentiment_score":0.29691410064697266}],"sentiment":"neutral","sentiment_score":0.29585181595757604,"num_words":8,"start":0.56,"end":13.924999},{"sentences":[{"text":"Yep.","start":17.425,"end":17.925,"sentiment":"neutral","sentiment_score":0.06868379563093185},{"text":"Yep.","start":27.599998,"end":28.099998,"sentiment":"neutral","sentiment_score":0.03262065351009369},{"text":"Tanya James Bliss, 1988, and 143 Parksboro Road, Parks, New South Wales 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great.","start":131.535,"end":132.595,"sentiment":"positive","sentiment_score":0.5921141505241394},{"text":"Yeah.","start":132.895,"end":133.395,"sentiment":"neutral","sentiment_score":0.2650892734527588},{"text":"I'm really bad.","start":133.615,"end":134.755,"sentiment":"positive","sentiment_score":0.3356589575608571},{"text":"And do you have my email now as tanyabliss@outlook.com?","start":136.5,"end":141.0,"sentiment":"neutral","sentiment_score":0.039297025857700243},{"text":"Yep.","start":141.22,"end":141.72,"sentiment":"neutral","sentiment_score":0.014766240492463112}],"sentiment":"neutral","sentiment_score":0.22272012341353628,"num_words":18,"start":131.535,"end":141.72},{"sentences":[{"text":"Yeah.","start":146.26001,"end":146.74,"sentiment":"neutral","sentiment_score":0.02088907919824123},{"text":"Can I update that if it comes to the right one?","start":146.74,"end":149.325,"sentiment":"neutral","sentiment_score":0.02534952573478222},{"text":"Tanya bliss Yes.","start":155.165,"end":157.765,"sentiment":"neutral","sentiment_score":0.0724594419201215},{"text":"At outlook dot com.","start":158.205,"end":159.745,"sentiment":"neutral","sentiment_score":0.03895947244018316},{"text":"Yeah.","start":167.4,"end":167.64,"sentiment":"neutral","sentiment_score":0.019691143184900284}],"sentiment":"neutral","sentiment_score":0.034632061049342154,"num_words":20,"start":146.26001,"end":167.64},{"sentences":[{"text":"I do.","start":167.64,"end":168.22,"sentiment":"neutral","sentiment_score":0.01856271922588348},{"text":"Yeah.","start":168.59999,"end":169.09999,"sentiment":"neutral","sentiment_score":0.0732148215174675},{"text":"Yeah.","start":176.84,"end":177.16,"sentiment":"neutral","sentiment_score":0.1038479506969452},{"text":"Yeah.","start":177.16,"end":177.4,"sentiment":"neutral","sentiment_score":0.12407726794481276},{"text":"That's 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best person would be the husband now.","start":243.38501,"end":245.91,"sentiment":"neutral","sentiment_score":0.01138975564390421},{"text":"Jacob Bliss.","start":249.51001,"end":250.57,"sentiment":"neutral","sentiment_score":0.09244722127914429},{"text":"0456 221 150.","start":255.11,"end":262.425,"sentiment":"neutral","sentiment_score":0.025995974118510883},{"text":"I have three kids.","start":268.965,"end":269.925,"sentiment":"neutral","sentiment_score":0.052513185888528824}],"sentiment":"neutral","sentiment_score":0.03643798693600628,"num_words":18,"start":209.27501,"end":269.925},{"sentences":[{"text":"Yeah.","start":269.925,"end":270.425,"sentiment":"neutral","sentiment_score":0.1006537452340126},{"text":"Not not in the last nine years.","start":279.08,"end":281.58,"sentiment":"neutral","sentiment_score":-0.0754438830273492},{"text":"No.","start":285.24,"end":285.48,"sentiment":"neutral","sentiment_score":-0.06491482257843018},{"text":"It has its 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up.","start":369.375,"end":370.755,"sentiment":"neutral","sentiment_score":-0.039348413795232774},{"text":"Yep.","start":374.255,"end":374.755,"sentiment":"neutral","sentiment_score":0.01741889677941799}],"sentiment":"neutral","sentiment_score":-0.06601771416190343,"num_words":39,"start":355.71,"end":374.755},{"sentences":[{"text":"Yes.","start":392.985,"end":393.485,"sentiment":"neutral","sentiment_score":-0.08965113759040833},{"text":"So mute's going.","start":402.425,"end":403.56497,"sentiment":"neutral","sentiment_score":-0.023864465455214184},{"text":"Yeah.","start":408.10498,"end":408.60498,"sentiment":"neutral","sentiment_score":0.04148052632808685},{"text":"Yep.","start":411.46,"end":411.96,"sentiment":"neutral","sentiment_score":0.02237454056739807},{"text":"I have a 2021 Prado that I salary sacrifice 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three.","start":677.385,"end":678.205,"sentiment":"neutral","sentiment_score":0.0290390532463789},{"text":"Yeah.","start":683.065,"end":683.565,"sentiment":"neutral","sentiment_score":0.05529344826936722},{"text":"Just send it through, and I'll send it through to my work one.","start":683.865,"end":685.865,"sentiment":"neutral","sentiment_score":0.09191160448468648}],"sentiment":"neutral","sentiment_score":0.06612042056041814,"num_words":21,"start":666.33,"end":685.865},{"sentences":[{"text":"And then I'll hit print, and then I'll just do everything back to front, but that's okay.","start":685.865,"end":689.22,"sentiment":"neutral","sentiment_score":0.06047030845109154},{"text":"Yep.","start":689.22,"end":689.72,"sentiment":"neutral","sentiment_score":0.13340693712234497},{"text":"Oh, that's 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you.","start":721.01996,"end":721.74,"sentiment":"positive","sentiment_score":0.3662600964307785},{"text":"Bye.","start":721.74,"end":722.24,"sentiment":"neutral","sentiment_score":0.10421936213970184}],"sentiment":"neutral","sentiment_score":0.13391353984673818,"num_words":15,"start":712.785,"end":722.24},{"sentences":[{"text":"Yep.","start":731.1,"end":731.6,"sentiment":"neutral","sentiment_score":0.1469007432460785},{"text":"Yep.","start":739.155,"end":739.655,"sentiment":"positive","sentiment_score":0.4029580950736999},{"text":"Yeah.","start":757.8,"end":758.12,"sentiment":"neutral","sentiment_score":0.060397204011678696},{"text":"At the moment.","start":758.12,"end":758.86,"sentiment":"neutral","sentiment_score":0.06555641442537308},{"text":"It's a it's a plan, but, you 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debt.","start":805.45496,"end":806.975,"sentiment":"neutral","sentiment_score":0.0327070060053042},{"text":"Like, the other loans and stuff.","start":806.975,"end":808.63,"sentiment":"neutral","sentiment_score":0.013364756790300211},{"text":"Like, I've got rid of Afterpay now.","start":808.63,"end":810.15,"sentiment":"neutral","sentiment_score":0.023478601926139424},{"text":"I've just got the other ones to go now.","start":810.15,"end":812.17004,"sentiment":"neutral","sentiment_score":0.09832715491453807},{"text":"If that's what works like.","start":812.87,"end":814.41003,"sentiment":"neutral","sentiment_score":0.11645366549491883}],"sentiment":"neutral","sentiment_score":0.057079426999039506,"num_words":34,"start":805.45496,"end":814.41003},{"sentences":[{"text":"The big ones.","start":817.43,"end":818.33,"sentiment":"neutral","sentiment_score":0.05253241459528605},{"text":"Yep.","start":834.315,"end":834.815,"sentiment":"neutral","sentiment_score":0.1137562245130539},{"text":"There's a risk, but, hopefully, I get rich and I can retire soon.","start":839.96,"end":843.5,"sentiment":"neutral","sentiment_score":0.10217707231640816},{"text":"Yep.","start":852.635,"end":853.135,"sentiment":"neutral","sentiment_score":0.10123097151517868},{"text":"Yep.","start":861.595,"end":862.095,"sentiment":"neutral","sentiment_score":-0.0006152627756819129}],"sentiment":"neutral","sentiment_score":0.08948795353430078,"num_words":19,"start":817.43,"end":862.095},{"sentences":[{"text":"Yep.","start":878.33496,"end":878.83496,"sentiment":"neutral","sentiment_score":0.016531120985746384},{"text":"Unfortunately, yeah.","start":881.615,"end":882.83496,"sentiment":"neutral","sentiment_score":0.05652324296534061},{"text":"K.","start":888.015,"end":888.265,"sentiment":"neutral","sentiment_score":0.12655755877494812},{"text":"Yep.","start":888.265,"end":888.765,"sentiment":"neutral","sentiment_score":0.12559297680854797},{"text":"Yes.","start":908.575,"end":909.075,"sentiment":"neutral","sentiment_score":-0.03096579387784004}],"sentiment":"neutral","sentiment_score":0.058460391437013946,"num_words":6,"start":878.33496,"end":909.075},{"sentences":[{"text":"Yep.","start":919.29504,"end":919.615,"sentiment":"neutral","sentiment_score":0.031978849321603775},{"text":"Yep.","start":919.615,"end":920.115,"sentiment":"neutral","sentiment_score":0.024114711210131645},{"text":"I'm not work.","start":924.89,"end":925.61,"sentiment":"neutral","sentiment_score":-0.08843875924746196},{"text":"I'll just put me on 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me.","start":1032.45,"end":1033.25,"sentiment":"neutral","sentiment_score":-0.04078308492898941},{"text":"Sure.","start":1033.25,"end":1033.75,"sentiment":"neutral","sentiment_score":0.01611284911632538},{"text":"Mhmm.","start":1045.045,"end":1045.2051,"sentiment":"neutral","sentiment_score":-0.02789905108511448},{"text":"It won't scroll down for me any further.","start":1045.2051,"end":1047.785,"sentiment":"neutral","sentiment_score":-0.10351588949561119},{"text":"There's, like, one more that it just won't give me on my phone.","start":1052.485,"end":1056.585,"sentiment":"neutral","sentiment_score":-0.13604673743247986}],"sentiment":"neutral","sentiment_score":-0.10503346766703404,"num_words":26,"start":1032.45,"end":1056.585},{"sentences":[{"text":"Yep.","start":1058.84,"end":1059.34,"sentiment":"neutral","sentiment_score":-0.002017394406720996},{"text":"But it's there.","start":1060.9199,"end":1061.72,"sentiment":"neutral","sentiment_score":0.010069188351432482},{"text":"I can see 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Commonwealth.","start":1168.74,"end":1174.6,"sentiment":"neutral","sentiment_score":-0.072285370901227}],"sentiment":"neutral","sentiment_score":-0.15804704602945735,"num_words":54,"start":1152.965,"end":1174.6},{"sentences":[{"text":"Yep.","start":1180.845,"end":1181.345,"sentiment":"neutral","sentiment_score":0.1047939881682396},{"text":"Yeah.","start":1183.085,"end":1183.3251,"sentiment":"neutral","sentiment_score":0.07672365009784698},{"text":"Yeah.","start":1183.3251,"end":1183.8251,"sentiment":"neutral","sentiment_score":-0.0047496892511844635},{"text":"Because I tried to do it the other day, and I'm like, oh my god.","start":1184.525,"end":1187.485,"sentiment":"neutral","sentiment_score":-0.2056645726164182},{"text":"I can't.","start":1187.485,"end":1188.145,"sentiment":"neutral","sentiment_score":-0.30358119308948517}],"sentiment":"neutral","sentiment_score":-0.17576815132051707,"num_words":20,"start":1180.845,"end":1188.145},{"sentences":[{"text":"I'm bad with technology.","start":1188.365,"end":1189.425,"sentiment":"neutral","sentiment_score":-0.11669335886836052},{"text":"Yep.","start":1195.1499,"end":1195.6499,"sentiment":"neutral","sentiment_score":0.11326836049556732},{"text":"So account name is Tanya Bliss.","start":1197.23,"end":1200.21,"sentiment":"neutral","sentiment_score":0.05470329709351063},{"text":"BSB is 082780.","start":1203.995,"end":1207.455,"sentiment":"neutral","sentiment_score":0.01529815544684728},{"text":"82 780.","start":1213.0349,"end":1216.975,"sentiment":"neutral","sentiment_score":0.001958173466846347}],"sentiment":"neutral","sentiment_score":0.0015328450535889715,"num_words":16,"start":1188.365,"end":1216.975},{"sentences":[{"text":"And account number is 98 252 0039.","start":1219.9401,"end":1229.88,"sentiment":"neutral","sentiment_score":0.010946790355124645},{"text":"And that's with the nub?","start":1232.545,"end":1233.925,"sentiment":"neutral","sentiment_score":0.2574999690055847},{"text":"Yes.","start":1235.905,"end":1236.405,"sentiment":"neutral","sentiment_score":0.2540205419063568},{"text":"Yeah.","start":1237.345,"end":1237.845,"sentiment":"neutral","sentiment_score":0.2191264033317566},{"text":"Yeah.","start":1267.125,"end":1267.625,"sentiment":"neutral","sentiment_score":0.040798820555210114}],"sentiment":"neutral","sentiment_score":0.12520487622047463,"num_words":15,"start":1219.9401,"end":1267.625},{"sentences":[{"text":"Yeah.","start":1296.0651,"end":1296.5651,"sentiment":"neutral","sentiment_score":-0.01246880367398262},{"text":"Yeah.","start":1301.5901,"end":1302.0901,"sentiment":"neutral","sentiment_score":0.026931248605251312},{"text":"Yeah.","start":1303.91,"end":1304.41,"sentiment":"neutral","sentiment_score":0.2195772230625153},{"text":"Because it come out the other day, and I just transferred the money across to the other bank account.","start":1305.1901,"end":1308.9501,"sentiment":"neutral","sentiment_score":-0.0024111793915692127},{"text":"I'm like, yeah.","start":1308.9501,"end":1309.5901,"sentiment":"neutral","sentiment_score":-0.016190920025110245}],"sentiment":"neutral","sentiment_score":0.005586179979145527,"num_words":25,"start":1296.0651,"end":1309.5901},{"sentences":[{"text":"Whatever.","start":1309.5901,"end":1310.0901,"sentiment":"neutral","sentiment_score":-0.02013436332345009},{"text":"Yep.","start":1310.23,"end":1310.73,"sentiment":"neutral","sentiment_score":-0.0017253359546884894},{"text":"Yep.","start":1326.715,"end":1327.215,"sentiment":"neutral","sentiment_score":0.12012383341789246},{"text":"Yep.","start":1327.915,"end":1328.1,"sentiment":"neutral","sentiment_score":0.09617038816213608},{"text":"Yep.","start":1353.755,"end":1354.255,"sentiment":"neutral","sentiment_score":-0.1150008887052536}],"sentiment":"neutral","sentiment_score":0.01588672671932727,"num_words":5,"start":1309.5901,"end":1354.255},{"sentences":[{"text":"Yes.","start":1367.81,"end":1368.31,"sentiment":"neutral","sentiment_score":0.004316940903663635},{"text":"Yep.","start":1398.7899,"end":1399.2899,"sentiment":"positive","sentiment_score":0.4466245770454407},{"text":"Yep.","start":1442.9,"end":1443.4,"sentiment":"neutral","sentiment_score":0.28577420115470886},{"text":"Yep.","start":1505.39,"end":1505.71,"sentiment":"neutral","sentiment_score":0.07720524072647095},{"text":"Well, you know what you're doing.","start":1505.71,"end":1506.9099,"sentiment":"neutral","sentiment_score":0.02110238466411829}],"sentiment":"neutral","sentiment_score":0.09405352678149939,"num_words":10,"start":1367.81,"end":1506.9099},{"sentences":[{"text":"I have no idea.","start":1506.9099,"end":1507.97,"sentiment":"neutral","sentiment_score":-0.10777449607849121},{"text":"Yeah.","start":1531.5299,"end":1532.0299,"sentiment":"neutral","sentiment_score":0.059796400368213654},{"text":"Yep.","start":1539.7699,"end":1540.245,"sentiment":"positive","sentiment_score":0.37687286734580994},{"text":"Yep.","start":1571.755,"end":1571.995,"sentiment":"neutral","sentiment_score":0.2700924575328827},{"text":"Go for 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signed.","start":1594.99,"end":1595.73,"sentiment":"neutral","sentiment_score":0.14247084781527516},{"text":"Yep.","start":1603.6749,"end":1604.1749,"sentiment":"neutral","sentiment_score":0.09104417264461516},{"text":"Yes.","start":1613.5,"end":1614.0,"sentiment":"neutral","sentiment_score":0.24660256505012512}],"sentiment":"neutral","sentiment_score":0.1379708731546998,"num_words":8,"start":1593.71,"end":1614.0},{"sentences":[{"text":"Yep.","start":1628.9551,"end":1629.4551,"sentiment":"neutral","sentiment_score":0.15556377172470093},{"text":"I'll send it through.","start":1632.395,"end":1633.595,"sentiment":"neutral","sentiment_score":0.18660762533545494},{"text":"Yep.","start":1633.595,"end":1633.95,"sentiment":"neutral","sentiment_score":0.19258169829845428},{"text":"Perfect.","start":1643.95,"end":1644.45,"sentiment":"positive","sentiment_score":0.5480953454971313},{"text":"Yep.","start":1649.07,"end":1649.565,"sentiment":"neutral","sentiment_score":0.015535789541900158}],"sentiment":"neutral","sentiment_score":0.2072758883005008,"num_words":8,"start":1628.9551,"end":1649.565},{"sentences":[{"text":"Sounds good.","start":1651.965,"end":1652.705,"sentiment":"positive","sentiment_score":0.5332367420196533},{"text":"No.","start":1662.7649,"end":1663.2649,"sentiment":"neutral","sentiment_score":0.043302446603775024},{"text":"I'm good.","start":1664.05,"end":1664.79,"sentiment":"neutral","sentiment_score":0.20711283013224602},{"text":"Yep.","start":1665.49,"end":1665.99,"sentiment":"neutral","sentiment_score":0.2717450261116028},{"text":"Thanks, Veronica.","start":1674.7689,"end":1675.5889,"sentiment":"positive","sentiment_score":0.3932495713233948}],"sentiment":"neutral","sentiment_score":0.32278071995824575,"num_words":8,"start":1651.965,"end":1675.5889},{"sentences":[{"text":"Thank you.","start":1681.6489,"end":1682.4489,"sentiment":"positive","sentiment_score":0.5876931846141815},{"text":"See you.","start":1682.4489,"end":1683.1888,"sentiment":"neutral","sentiment_score":0.3223903328180313}],"sentiment":"positive","sentiment_score":0.4550417587161064,"num_words":4,"start":1681.6489,"end":1683.1888}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Tanya.\n\nChannel 1: Yep.\n\nChannel 0: This is Veronica from Oakview Financial. How are you?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in for\n\nChannel 1: Yep.\n\nChannel 0: a catch up to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. 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?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Tanya James Bliss, 1988, and 143 Parksboro Road, Parks, New South Wales 2870.\n\nChannel 0: Yep. Perfect. That's exactly what I have here, and congratulations on the marriage. That's very exciting. Now I can see here as well that with the forms that after the interview today is that we are going to do your change of name as well just to change your last name.\n\nChannel 1: Yep.\n\nChannel 0: And with that, they just to verify your identity,\n\nChannel 1: Yep.\n\nChannel 0: would you be able to, when you have a moment, send me an email with do you have you updated your driver's license or anything with your new last name?\n\nChannel 1: Yes. So everything's updated. I'm just waiting on my marriage certificate to come back again because I spelled my witness's name wrong. So\n\nChannel 0: Of course.\n\nChannel 1: I'm waiting for that to come back, but I got an email this morning. It's open the way.\n\nChannel 0: Okay.\n\nChannel 1: Sorry.\n\nChannel 0: Okay. Perfect. Because when you because they need they will need that your ID, which is great. You have that\n\nChannel 1: Yeah.\n\nChannel 0: as well as their marriage certificate just to, obviously, approve the new name. So as soon as you do get your marriage certificate back, if you could send that to me along with your ID, that will be great. Then we can go and process that\n\nChannel 1: Yep.\n\nChannel 0: change of name\n\nChannel 1: Yep.\n\nChannel 0: for you, everywhere. And now to make it easier, would you like me, to get, my admin person to send you an email with the ID and my certificate. That way\n\nChannel 1: Yes.\n\nChannel 0: you can just\n\nChannel 1: That\n\nChannel 0: respond\n\nChannel 1: would be great.\n\nChannel 0: to it.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I'm really\n\nChannel 0: Perfect.\n\nChannel 1: bad.\n\nChannel 0: No. That's okay.\n\nChannel 1: And do you have my email now as tanyabliss@outlook.com? Yep.\n\nChannel 0: No. We have it as tanyag88@gmail\n\nChannel 1: Yeah.\n\nChannel 0: dot com.\n\nChannel 1: Can I update that if it comes to the right one?\n\nChannel 0: Sure. So sorry. Would you mind repeating what your new email address is again for me?\n\nChannel 1: Tanya bliss\n\nChannel 0: Yeah.\n\nChannel 1: Yes. At outlook dot com.\n\nChannel 0: At outlook dot com. Now do you still have access to Tanyag88@Gmail\n\nChannel 1: Yeah.\n\nChannel 0: dot\n\nChannel 1: I\n\nChannel 0: com?\n\nChannel 1: do. Yeah.\n\nChannel 0: Okay. So if you're happy to do so, just because hub twenty four needs the email to match.\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: So\n\nChannel 1: okay.\n\nChannel 0: yeah. Sorry. But as soon as we've kind of gone through the interview today and, obviously, if you're happy and signed the documents after we've processed the 24 documents,\n\nChannel 1: Yep.\n\nChannel 0: I will get the team to update because we can just update that on our back end straight away for you.\n\nChannel 1: Okay.\n\nChannel 0: So make\n\nChannel 1: Perfect.\n\nChannel 0: sure that then the email address changed. So for the documents today, I have just sent it to Tanya d eighty eight\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: That's\n\nChannel 0: so\n\nChannel 1: okay.\n\nChannel 0: it matches, but I will update the records. So anything after today, we will then change to your new add\n\nChannel 1: Yep.\n\nChannel 0: address for you. Alright. Perfect. Now what I might do first is just to run through a bit of a fact find to see if there's anything else major that has changed for you, if we need to make any changes to your advice. So just kind of bear with me as I go through this.\n\nNow when it comes to next up, Ken, I don't actually have someone nominated on file for you. So if something were to happen and we cannot, for any reason, get in touch with you, who is someone that you would like us to contact?\n\nChannel 1: Probably best person would be the husband now.\n\nChannel 0: Yeah. Beautiful. And best name, please?\n\nChannel 1: Jacob Bliss.\n\nChannel 0: K. Perfect. And his best contact number?\n\nChannel 1: 0456\n\nChannel 0: Yep.\n\nChannel 1: 221\n\nChannel 0: Two two one. Yep.\n\nChannel 1: 150.\n\nChannel 0: 150. Beautiful. And you have financial dependents at home as well?\n\nChannel 1: I have three kids. Yeah.\n\nChannel 0: Yep. Beautiful. Now when it comes to occupation, has any of that changed for you in the last twelve months, Tanya?\n\nChannel 1: Not\n\nChannel 0: No.\n\nChannel 1: not in the last nine years.\n\nChannel 0: No. Perfect. You enjoy it then?\n\nChannel 1: No. It has its moment.\n\nChannel 0: Yeah. You must be pretty good at that too, though, if you've been doing it for so long.\n\nChannel 1: Well, I don't know. Holiday\n\nChannel 0: And I\n\nChannel 1: sounds good.\n\nChannel 0: and would you be coming up soon to getting long service leave then?\n\nChannel 1: So we get it from seven years.\n\nChannel 0: Oh, nice.\n\nChannel 1: Yeah. So I've already used some of it, I guess.\n\nChannel 0: Yeah. Now I have income here at around 107,000. Is that still the case?\n\nChannel 1: 116.\n\nChannel 0: 116? Nice. I'll\n\nChannel 1: Yep.\n\nChannel 0: update that. Perfect. Otherwise, when it comes to your assets, I have here your main property was last tied at about 500,000.\n\nChannel 1: Yep.\n\nChannel 0: Is that still the case?\n\nChannel 1: I haven't had it valued again.\n\nChannel 0: No. That's okay. Last time, it was around 500.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And I had as well mortgage at about 458,000.\n\nChannel 1: It's $4.50 now. Looks\n\nChannel 0: 4\n\nChannel 1: like\n\nChannel 0: 50.\n\nChannel 1: it doesn't ever go down.\n\nChannel 0: Sometimes it feels like that because, obviously, interest and stuff like that. It's the\n\nChannel 1: I\n\nChannel 0: same\n\nChannel 1: know.\n\nChannel 0: with my mortgage. I'm like, I'm\n\nChannel 1: But I\n\nChannel 0: paying\n\nChannel 1: was\n\nChannel 0: and\n\nChannel 1: like,\n\nChannel 0: paying\n\nChannel 1: oh,\n\nChannel 0: and\n\nChannel 1: it\n\nChannel 0: paying.\n\nChannel 1: was it was it was, like, under one like, $4.50, and then\n\nChannel 0: Yeah.\n\nChannel 1: I was like, what the hell? Now it's going\n\nChannel 0: Yeah.\n\nChannel 1: back up.\n\nChannel 0: Probably because do you have variable rates as well?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. The last little while, we have seen or I've seen quite a few increases, and most people have as well, with, obviously, interest rate going up and everything. So I have certainly seen that as well, and you feel a bit defeated too because you're like, hang on. I'm paying all this money, and now there's more coming out. So I feel your frustration.\n\nChannel 1: Yes.\n\nChannel 0: Otherwise, other assets I have here are huge. Buy it out of about 46,000.\n\nChannel 1: So mute's going.\n\nChannel 0: Okay. Perfect. Do you have the caravan still?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And about 20,000?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And do you have any other motor vehicles?\n\nChannel 1: I have a 2021 Prado that I salary sacrifice for.\n\nChannel 0: Okay. Perfect. And let's\n\nChannel 1: Yep.\n\nChannel 0: see here.\n\nChannel 1: Yep.\n\nChannel 0: Do you know is that on, like, a no vetted lease situation?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Perfect.\n\nChannel 1: think it started off at 65, and I've had it for a year.\n\nChannel 0: Okay. Perfect. So it would be if you were to cancel it and pay it out, it would be probably around the 60 ish, would you say, or\n\nChannel 1: Probably around 40 ish,\n\nChannel 0: 40?\n\nChannel 1: 45\n\nChannel 0: Okay.\n\nChannel 1: now.\n\nChannel 0: 45. Oh, that's good. Otherwise, I have here a loan of $5,000.\n\nChannel 1: Yeah.\n\nChannel 0: Is that\n\nChannel 1: That\n\nChannel 0: correct?\n\nChannel 1: sounds about right. But I've\n\nChannel 0: Yeah.\n\nChannel 1: got another one for 13\n\nChannel 0: Okay.\n\nChannel 1: thousand\n\nChannel 0: Yep.\n\nChannel 1: just to get me through my life.\n\nChannel 0: Yeah. And that's especially nowadays with prices and everything too. It's most people, unfortunately, in the same situation. Any other changes to assets or liabilities otherwise? No.\n\nPerfect. Have you had any changes to your health in the last twelve months?\n\nChannel 1: Nope.\n\nChannel 0: Nope. Great. And do you have private health insurance?\n\nChannel 1: I have the the zero inch, whatever it is, the life insurance, but that's it.\n\nChannel 0: Okay. So you don't have, like, hospital covers or anything like that?\n\nChannel 1: No. No. It's\n\nChannel 0: No.\n\nChannel 1: not worth it out here.\n\nChannel 0: Yeah.\n\nChannel 1: You\n\nChannel 0: The only\n\nChannel 1: got\n\nChannel 0: thing I\n\nChannel 1: the same\n\nChannel 0: do\n\nChannel 1: people\n\nChannel 0: wanna\n\nChannel 1: anyway.\n\nChannel 0: yeah. The only thing I do wanna flag with you is that because you are a high income earner, if you don't have it also depends on, like, your husband if you share finances and and your household income. But if I'm just looking from an individual point of view, if you earn more than 101,000 at the moment, which you do, you are eligible to pay the medical levy surcharge. So it is an additional tax for high income earners if you don't have\n\nChannel 1: Yes.\n\nChannel 0: private\n\nChannel 1: Best\n\nChannel 0: health insurance.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I've I've yeah. I've had to pay that the last few years, which is fine.\n\nChannel 0: Yeah. Okay. Perfect. Yeah. I do wanna just take a something, but don't know.\n\nOr other\n\nChannel 1: Yeah.\n\nChannel 0: times,\n\nChannel 1: No. I've\n\nChannel 0: it's like yeah.\n\nChannel 1: we've\n\nChannel 0: Perfect.\n\nChannel 1: I've had\n\nChannel 0: No.\n\nChannel 1: private health before, and it's made no difference\n\nChannel 0: Okay.\n\nChannel 1: because you can't\n\nChannel 0: Yep.\n\nChannel 1: utilize it here.\n\nChannel 0: Yeah. And and I I have so many clients that's the same. And to be fair, I'm similar in that. They're in the reason you would have it. If you don't utilize that for extra stuff, which I don't, it is just for the tax.\n\nAnd sometimes sometimes it works out better. Sometimes you still have to pay, and then, yeah, it's just a trade off of what you are wanting to do. But if\n\nChannel 1: Yeah.\n\nChannel 0: you've obviously been aware of that, I know it. That's great. Do you wanna flag it because sometimes people don't know about it, but it is good that you are kind of across all of that.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, when it comes to estate planning, do you have a will in place at all?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Perfect. And that is has that been updated since your your marriage as well?\n\nChannel 1: No. But my mom is the executor.\n\nChannel 0: Okay. Because\n\nChannel 1: My\n\nChannel 0: sometimes\n\nChannel 1: mom and my sister.\n\nChannel 0: okay. Perfect. Because sometimes as well, just check it because I'm not a lawyer, so I can't give you any legal advice. But sometimes\n\nChannel 1: Yeah.\n\nChannel 0: when you do get married, that cancels out previous bills. So just make sure if you need to get it updated or anything\n\nChannel 1: Yeah.\n\nChannel 0: after changes, but it is good that you do have your mom and sister as executor, and that's all in place. Otherwise, when it comes to your super and insurances, we don't actually have a nomination on file for you at the moment. So if something were to happen to you, do you know who would you like to nominate to receive that?\n\nChannel 1: Would probably be a Jacob.\n\nChannel 0: Yep. So what I can do, because it is making\n\nChannel 1: Send\n\nChannel 0: a legal\n\nChannel 1: me another\n\nChannel 0: nominate\n\nChannel 1: form.\n\nChannel 0: Yes. Unfortunately. But that way, it is important so we can make\n\nChannel 1: Yep.\n\nChannel 0: sure that it's in order.\n\nChannel 1: All\n\nChannel 0: Now,\n\nChannel 1: three.\n\nChannel 0: Tanya, do you have access to a printer, or do you prefer it to be posted out to you?\n\nChannel 1: Yeah. Just send it through, and I'll send it through to my work one. And then I'll hit print, and then I'll just do everything back to front, but that's okay. Yep.\n\nChannel 0: Yeah. Okay. Amazing. That's fine. Sometimes makes it easier because then you have it in your inbox as well.\n\nFirst, it makes it quicker, but then also it's there. So if you ever sometimes people lose mail and stuff.\n\nChannel 1: Oh,\n\nChannel 0: That\n\nChannel 1: that's\n\nChannel 0: way,\n\nChannel 1: me.\n\nChannel 0: it yep. So many people are like, I said, do you have a printer? Then if you're like, yes. Please do that. So I would get the team to email that to you.\n\nNow we\n\nChannel 1: Yep.\n\nChannel 0: can send it to TanyaBliss@Outlook.com.\n\nChannel 1: Alright. It doesn't matter which one you send it through to.\n\nChannel 0: Okay. Perfect. I'll just update the record so we do have\n\nChannel 1: Yep.\n\nChannel 0: your new one anyway\n\nChannel 1: Cool.\n\nChannel 0: to\n\nChannel 1: Thank\n\nChannel 0: make\n\nChannel 1: you.\n\nChannel 0: sure\n\nChannel 1: Bye.\n\nChannel 0: we don't send anything to your old one. I will get the the forms sent out to you. And then, yeah, when you have a moment, print it out, obviously,\n\nChannel 1: Yep.\n\nChannel 0: completed, and the spouse is a valid nomination as well. And if something were to happen to you, it will go tax free to him as well.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now, otherwise, when it comes to goals for yourself, I have here that last time we caught up with you, your main focus was to kind of pay down the mortgage as much as possible and maybe do some renovations to the house. Is that\n\nChannel 1: Yeah.\n\nChannel 0: still\n\nChannel 1: At\n\nChannel 0: kind\n\nChannel 1: the\n\nChannel 0: of\n\nChannel 1: moment.\n\nChannel 0: the goal?\n\nChannel 1: It's a it's a plan, but, you\n\nChannel 0: Yeah.\n\nChannel 1: know.\n\nChannel 0: That's fine. Sometimes it's long terms as well and fine, especially if things always come up, and you've obviously had\n\nChannel 1: I'll\n\nChannel 0: a bit of\n\nChannel 1: get\n\nChannel 0: changes.\n\nChannel 1: there. I've only\n\nChannel 0: Yeah.\n\nChannel 1: had the house for just\n\nChannel 0: So\n\nChannel 1: over twelve months. So\n\nChannel 0: yeah.\n\nChannel 1: yeah.\n\nChannel 0: And that's yeah. And that's that's also why the interest the first twelve months you see as well with the payments, it's barely moving, and it can feel frustrating because it's with the interest. So it should,\n\nChannel 1: Yeah.\n\nChannel 0: as you get closed up, feel better. But but I'm the same. I bought a house last year, and, yeah, I'm the same. It's barely moving, and I'm like, come on now.\n\nChannel 1: Not\n\nChannel 0: Otherwise,\n\nChannel 1: bad.\n\nChannel 0: is there something else that you are working towards that you're wanting kind of to achieve in the next twelve months or so?\n\nChannel 1: I just wanna be out of debt. Like, the other loans\n\nChannel 0: Yeah.\n\nChannel 1: and stuff. Like, I've got rid of Afterpay now. I've just got the other ones\n\nChannel 0: That's good.\n\nChannel 1: to go now.\n\nChannel 0: Yep.\n\nChannel 1: If\n\nChannel 0: Perfect.\n\nChannel 1: that's what\n\nChannel 0: And\n\nChannel 1: works\n\nChannel 0: it's it's\n\nChannel 1: like.\n\nChannel 0: good for, like, to get rid of, like, small ones, and then you have the other one\n\nChannel 1: The big\n\nChannel 0: and\n\nChannel 1: ones.\n\nChannel 0: just to kinda, yeah, just to tryna focus on that. No. That's really good. Now, otherwise, when it comes through superannuation, I have you here as we have you invested in a high growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Do you remember what it means to be a high growth investor at all?\n\nChannel 1: There's a risk, but, hopefully, I get rich and I can retire soon.\n\nChannel 0: Yes. Kind of. It is it is where you are looking at getting as much growth as you possibly can out of your superannuation\n\nChannel 1: Yep.\n\nChannel 0: while you do have the time. But at the same time as well, you are prepared and understand that short term, there will be ups and downs and market fluctuations\n\nChannel 1: Yep.\n\nChannel 0: in a high growth portfolio. For some years, depending on what is going on in the world, might not be as good. Other years will be a lot better. So long term, you will achieve that higher growth. But on a year to year or shorter, sometimes it can be a little bit more fluctuations in the shorter.\n\nYou\n\nChannel 1: Yep.\n\nChannel 0: do have plenty of time until retirement.\n\nChannel 1: Unfortunately,\n\nChannel 0: So you are in\n\nChannel 1: yeah.\n\nChannel 0: you are in a good position to take advantage of that, though, and you\n\nChannel 1: K.\n\nChannel 0: definitely\n\nChannel 1: Yep.\n\nChannel 0: have that you know, if there's a bit of a market dip in what's happening, you have the time behind you in a high growth portfolio. Because, ideally, we'd like to see about eight years on field retirement in a high growth, which you'd do. So from a time frame point of view, it is well suited for you. Are you still comfortable with high growth? Otherwise, when\n\nChannel 1: Yes.\n\nChannel 0: it comes to your risk yep. Beautiful. Now I have to send you an email with some documents as well there, Tanya. It it goes to your old email.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Do you have access to that at the moment, or are you a bit busy right now?\n\nChannel 1: I'm not work. I'll just put me\n\nChannel 0: That's\n\nChannel 1: on\n\nChannel 0: okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah? Okay. Because it is up to you. It does make it easier if you can access it, but if you can't, I can just quickly run through it. And then when you are home later and you have time, you can always go through it.\n\nAnd then any questions, you can then let me know. It is up to you.\n\nChannel 1: You just need my signature on it, don't you?\n\nChannel 0: Yes. Yep. And I do wanna just kind of talk through them\n\nChannel 1: Yep.\n\nChannel 0: as well just to make sure you're obviously happy. Everything will be saved afterwards your account anyway. So if you when you do have a bit more time, you wanna go through them and have a look at it, it's all there. I always have a copy on file as well. Now we have changed the software, so it might look a little bit different,\n\nChannel 1: Yep.\n\nChannel 0: But you should see an email come through, and you should see before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email. Can you see those?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now I'll try to go through this pretty quickly with you because I know we have done this a couple of times, but, obviously, any questions, let me know. Now you should see two ones there, which I'll get you to have a look at later, which is Oakview services guide and Oakview financial services guide. Can you see those?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now these are your kind of compliance documents. It's the one we do send you every year. It is a bit of an updated version, though. None of the important information has changed, but we've had a bit of an extension to the team, which is nice.\n\nBut if you do wanna go and have a look at it, you will see everybody's all the advice team and directors and everybody in there. You'll also see myself in there if you do wanna put a face to the voice. But, otherwise, none of the important\n\nChannel 1: Not by\n\nChannel 0: information\n\nChannel 1: me. Sure.\n\nChannel 0: has changed. Now you should also see one where it says super and insurance summary. Can you see that?\n\nChannel 1: Mhmm. It won't scroll down for me any further.\n\nChannel 0: Okay.\n\nChannel 1: There's, like, one more that it just won't give me on my phone.\n\nChannel 0: And that's that one?\n\nChannel 1: Yep.\n\nChannel 0: Is that the one that says okay. That that's\n\nChannel 1: But\n\nChannel 0: okay.\n\nChannel 1: it's there. I can see it.\n\nChannel 0: Okay. Yeah. You can go back when, you know, on the phone and have a look at it. It it it just shows you your super insurance as well. I will read it out to you anyway.\n\nChannel 1: Yep.\n\nChannel 0: You have your superannuation with hub twenty four. Now you do have about a $147,743 in there.\n\nChannel 1: Yep.\n\nChannel 0: And then you\n\nChannel 1: And then\n\nChannel 0: also\n\nChannel 1: you're\n\nChannel 0: have\n\nChannel 1: four.\n\nChannel 0: some insurances with one part. So you have life and total permanent disability of a\n\nChannel 1: Yep.\n\nChannel 0: million dollars.\n\nChannel 1: Yep.\n\nChannel 0: Now are you still happy with that level of cover and everything like that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: It covers everything if something happens to me, and then they don't have to worry about it.\n\nChannel 0: Exactly. Like, all the you know, that will be cleared out. It still leaves extra if something were to happen. Same if something happens to you and you can't work. Don't have to worry about the mortgage and still gives you extra money through assist.\n\nChannel 1: Yeah.\n\nChannel 0: You also have an income protection, and that will pay you a monthly amount of $6,241 per month. If something were to happen, you have a sixty day waiting period and a benefit period all the way up to the age of 65. So very comprehensive. Now all of those three are paid inside superannuation for you. You do get a 15% tax rebate, and the premium after the tax rebate is 3,169.\n\nChannel 1: Okay.\n\nChannel 0: Now any questions with those so that all makes sense?\n\nChannel 1: No. It all makes sense. It's\n\nChannel 0: No.\n\nChannel 1: the one that is out of the super like, out of the super that I pay for. Is that the income protection\n\nChannel 0: Mhmm.\n\nChannel 1: or it's something?\n\nChannel 0: That's it's a trauma. So you have\n\nChannel 1: Yeah.\n\nChannel 0: an out of pocket one, a trauma\n\nChannel 1: Yep.\n\nChannel 0: policy? Yeah.\n\nChannel 1: I just need to update my bank account with that one so it comes out\n\nChannel 0: Yes.\n\nChannel 1: of the right bank account so I can close the Commonwealth.\n\nChannel 0: Okay. If you are comfortable to give it to me over the phone, I can pass it on through\n\nChannel 1: Yep.\n\nChannel 0: the team or they yeah. Are you happy with that?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Just just\n\nChannel 1: Because\n\nChannel 0: because it's\n\nChannel 1: I tried\n\nChannel 0: better\n\nChannel 1: to\n\nChannel 0: than\n\nChannel 1: do\n\nChannel 0: you\n\nChannel 1: it the other day, and I'm like, oh my god. I can't. I'm bad\n\nChannel 0: no.\n\nChannel 1: with\n\nChannel 0: That's\n\nChannel 1: technology.\n\nChannel 0: fine. You can give it to me because it's better than you emailing it because we don't want the paper trail for your\n\nChannel 1: Yep.\n\nChannel 0: security. So\n\nChannel 1: So account\n\nChannel 0: yes.\n\nChannel 1: name is Tanya\n\nChannel 0: Yep.\n\nChannel 1: Bliss.\n\nChannel 0: And, yeah, Bliss. Yep.\n\nChannel 1: BSB is 082780.\n\nChannel 0: Sorry. Would you mind just taking a little bit slower? I just wanna make sure I get it right. So 0.\n\nChannel 1: 82\n\nChannel 0: Yep.\n\nChannel 1: 780.\n\nChannel 0: 780. Yes.\n\nChannel 1: And account number is 98\n\nChannel 0: Nine eight. Yep.\n\nChannel 1: 252\n\nChannel 0: Two five two. Yes.\n\nChannel 1: 0039.\n\nChannel 0: 0039.\n\nChannel 1: And\n\nChannel 0: Beautiful.\n\nChannel 1: that's with the nub?\n\nChannel 0: NAB. Yep. Perfect.\n\nChannel 1: Yes.\n\nChannel 0: Now I will\n\nChannel 1: Yeah.\n\nChannel 0: let the insurance team know to update that today for you so we can get that sorted and all updated. That is no problem. Now with the trauma, so that is covering you for traumatic events if something were to happen. So the biggest ones we typically see are, like, your cancer, stroke, heart attack, neurological condition, and this one is paid tax free to you back pocket straight away as well.\n\nChannel 1: Yeah.\n\nChannel 0: So you are covered for about $82,000 at the moment that would be paid out, and you do have a secondary life policy attached to it. Now, usually, that is just to reduce the premium of the trauma just because the insurance have multi policy discounts. But often, it's actually cheaper to have a second life even though you might not need it. But if it reduces the premium of the trauma, you get an extra 82,000 or something what happened.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry that you do have that, and that premium is about $18.19 per month.\n\nChannel 1: Yeah.\n\nChannel 0: I'm not not too much there, so that\n\nChannel 1: Yeah.\n\nChannel 0: is good.\n\nChannel 1: Because\n\nChannel 0: Did\n\nChannel 1: it come\n\nChannel 0: you have\n\nChannel 1: out\n\nChannel 0: any\n\nChannel 1: the other\n\nChannel 0: question?\n\nChannel 1: day, and I just transferred the money across to the other bank account. I'm like, yeah. Whatever. Yep.\n\nChannel 0: Yeah. No. It's easier to we can get that sorted for you, sir. The next payment will come out of your other bank account. Now you will also see true certificate of currency in the email there.\n\nThat is just basically outlining your insurances\n\nChannel 1: Yep.\n\nChannel 0: in a bit more\n\nChannel 1: Yep.\n\nChannel 0: detail for you. Otherwise, you will have your twelve month performance report with Hub twenty four. This can be a little bit tricky to see on the phone sometimes because it's a little can be a little bit messy, outlines all your investments and your portfolio after fees. So over the past twelve months, you probably have heard and seen in the news as well. It's been quite a few quite a bit of fluctuations in the market and in\n\nChannel 1: Yep.\n\nChannel 0: the world in the last twelve months. First, obviously, we had everything in The US with Trump and and everything. And more recently, obviously, everything going over with the war. We have seen a bit of a mixed market\n\nChannel 1: Yes.\n\nChannel 0: the last twelve months. Now we've had some really good areas in your portfolio. So the way that your portfolio is designed as well is that it is very diversified. So we wanna make sure if there's some areas that's performing really well, we do spread things out for you so you don't have everything in just one sector that some years is amazing and then other years is down quite a bit. We don't want that.\n\nSo we do wanna obviously level things out for you. So at the moment, the areas that have done really well is The US equity for you have done really well.\n\nChannel 1: Yep.\n\nChannel 0: Australian quality companies have done really well. Your gold have been very strong performance as well. And the gold have kind of benefited from, you know, the ongoing global uncertainty we have seen in the world. So that's kind of the the market stabilizer from it. But I'm on the other side as well.\n\nWe've had some areas where it has been a little bit more fluctuating. Now one of the investments that have been a little bit more fluctuating in the last twelve months in your India investment, we're not too concerned about that one because it's more of your somatic exposures and, like, a cyclical trend going on, and we do foresee that still being a very good investment long term for you. There's a lot of growth opportunities.\n\nChannel 1: Yep.\n\nChannel 0: But there is another investment that I would like to look at changing if you are happy with that, and that is your Benelon Australian equity. Now the reason we do wanna change it is we do a lot of investment research all the time on the investments, and it is really important to make sure we always have you in the best options possible for you. And the good thing with Hub twenty four is that you do have hundreds of different investment options out there that allows us to do that. And if we do foresee one investment, if it's underperforming a little bit and we don't foresee it come back around, we then wanna change it to something else because things are always changing. So with your Benelon Australian equity, that one was added to your portfolio because it's kind of giving you the the active management where they are trying to actively buy and sell different investments in order to kinda outperform the market.\n\nBut they have, like I said, recently been a little bit slower in making those decisions. But if that is the case, we wanna make sure we can swap it for something that's going to do a little bit better for you moving forward.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Well,\n\nChannel 0: we have\n\nChannel 1: you know\n\nChannel 0: found\n\nChannel 1: what you're\n\nChannel 0: one.\n\nChannel 1: doing. I have no idea.\n\nChannel 0: No. That is okay. And that is what we're here to do. I just obviously wanna let you know. But we obviously do the research and everything, and we have found another option for you, which is your your beta shares Australia two 100.\n\nIt is still swapping an Australian investment to an Australian investment because we still wanna make sure you have some exposures. We don't want, like I said earlier, everything in one area. We wanna diversify\n\nChannel 1: Yeah.\n\nChannel 0: things for you. But this investment here is a little bit cheaper than your Benelung investment, and it has performed a little bit better for you as well.\n\nChannel 1: Yep.\n\nChannel 0: And because it's more kind of following the 200 largest companies in Australia, it might be a little bit smoother than your Benelung, which is trying to do more of that kind of more frequent buying and selling. So if you are happy for us to do that change, Tanya, what I will do is I will just send you something that's called a record of advice. You don't have to change sorry. You don't have to sign it or anything like that. It's just for your reference so that you know we have made the change.\n\nIf you are happy for us to go ahead and do that for you.\n\nChannel 1: Yep. Go for it.\n\nChannel 0: Yes. Amazing. You will, like I said, get it in your email as well just for your reference, but you don't need to accent or do anything with that. Now the last document you will see there, Tanya, it is then if you're happy to do so, it's just those documents to sign. Now it should be two documents.\n\nChannel 1: Yeah. That\n\nChannel 0: One\n\nChannel 1: was\n\nChannel 0: will\n\nChannel 1: true.\n\nChannel 0: be\n\nChannel 1: I've signed.\n\nChannel 0: yeah. Amazing. Thank you so much. Now you would have seen that one was your ongoing service agreement. No\n\nChannel 1: Yep.\n\nChannel 0: changes whatsoever in regards to the fee structure. It stays exactly the same. No changes in regards to that for you. And then it was a tax file number opt in form. And that's just to\n\nChannel 1: Yes.\n\nChannel 0: say that we're keeping your tax file number secure and safe on the file. And I have seen that that's come through on my end, which is great, but I will let the team know. Once we've submitted that with Hub twenty four, we will then go ahead and change your email address there. And\n\nChannel 1: Yep.\n\nChannel 0: then as soon as you get your marriage certificate, if you can respond\n\nChannel 1: I'll send\n\nChannel 0: to\n\nChannel 1: it\n\nChannel 0: the email\n\nChannel 1: through.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: my, yep, colleague will send you just to make it easy along with your ID. Then as soon as we get that, we can get that updated for both your insurances and your hub twenty four account.\n\nChannel 1: Perfect.\n\nChannel 0: And then I will also let the insurance team know about your new bank account for the out of pocket\n\nChannel 1: Yep.\n\nChannel 0: trauma so we can get that sorted for you.\n\nChannel 1: Sounds good.\n\nChannel 0: That that was basically everything that I needed to touch on today, Tanya. Do you have any other questions or need anything else from me before I let you go and get back to work otherwise?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: I'm\n\nChannel 0: That\n\nChannel 1: good.\n\nChannel 0: was all good.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. If you do think about anything or you need anything else, don't hesitate to give me a call or or send me an email, and we can always book you in for another catch up.\n\nChannel 1: Thanks, Veronica.\n\nChannel 0: Mhmm. No problem at all. I hope you enjoy the the rest of your day. And, again, congratulations on your marriage. That's very exciting.\n\nChannel 1: Thank you. See you.\n\nChannel 0: Mhmm. No worries. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.04211090877652168}],"sentiment":"neutral","sentiment_score":0.04211090877652168,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good afternoon.","start":2.08,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.32874494791030884},{"text":"This is Tanya.","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.19075838228066763}],"sentiment":"neutral","sentiment_score":0.2459530085325241,"channel":0,"num_words":5,"start":2.08,"end":3.54},{"sentences":[{"text":"Yep.","start":3.84,"end":4.34,"sentiment":"neutral","sentiment_score":0.15034635365009308}],"sentiment":"neutral","sentiment_score":0.15034635365009308,"channel":1,"num_words":1,"start":3.84,"end":4.34},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":4.7999997,"end":6.98,"sentiment":"neutral","sentiment_score":0.16867152353127798},{"text":"How 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you?","start":15.895,"end":17.435,"sentiment":"neutral","sentiment_score":0.2645798847079277}],"sentiment":"neutral","sentiment_score":0.2856903225183487,"channel":0,"num_words":17,"start":13.92,"end":17.435},{"sentences":[{"text":"Yep.","start":17.425,"end":17.925,"sentiment":"neutral","sentiment_score":0.06868379563093185}],"sentiment":"neutral","sentiment_score":0.06868379563093185,"channel":1,"num_words":1,"start":17.425,"end":17.925},{"sentences":[{"text":"Yep.","start":18.375,"end":18.875,"sentiment":"neutral","sentiment_score":0.11589541286230089},{"text":"Perfect.","start":18.935,"end":19.435,"sentiment":"positive","sentiment_score":0.3787783086299896},{"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?","start":20.135,"end":27.275,"sentiment":"neutral","sentiment_score":0.02973237380000024}],"sentiment":"neutral","sentiment_score":0.043771372957816045,"channel":0,"num_words":31,"start":18.375,"end":27.275},{"sentences":[{"text":"Yep.","start":27.599998,"end":28.099998,"sentiment":"neutral","sentiment_score":0.03262065351009369}],"sentiment":"neutral","sentiment_score":0.03262065351009369,"channel":1,"num_words":1,"start":27.599998,"end":28.099998},{"sentences":[{"text":"Yep.","start":28.480001,"end":28.800001,"sentiment":"neutral","sentiment_score":0.06159823387861252},{"text":"Perfect.","start":28.800001,"end":29.300001,"sentiment":"neutral","sentiment_score":0.2324020266532898},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":30.0,"end":36.9,"sentiment":"neutral","sentiment_score":0.06017398619307922}],"sentiment":"neutral","sentiment_score":0.06637585362685579,"channel":0,"num_words":28,"start":28.480001,"end":36.9},{"sentences":[{"text":"Tanya James Bliss, 1988, and 143 Parksboro Road, Parks, New South Wales 2870.","start":37.265003,"end":44.885002,"sentiment":"neutral","sentiment_score":0.030895261380534906}],"sentiment":"neutral","sentiment_score":0.030895261380534906,"channel":1,"num_words":13,"start":37.265003,"end":44.885002},{"sentences":[{"text":"Yep.","start":45.215,"end":45.695,"sentiment":"neutral","sentiment_score":0.2091536521911621},{"text":"Perfect.","start":45.695,"end":46.175,"sentiment":"positive","sentiment_score":0.6209612488746643},{"text":"That's exactly what I have here, and congratulations on the marriage.","start":46.175,"end":50.015,"sentiment":"positive","sentiment_score":0.7571812272071838},{"text":"That's very exciting.","start":50.015,"end":51.075,"sentiment":"positive","sentiment_score":0.8303947846094767},{"text":"Now I can see here as well that with the forms that after the interview today is that we are going to do your change of name as well just to change your last name.","start":53.47,"end":63.57,"sentiment":"neutral","sentiment_score":0.14755988695791789}],"sentiment":"neutral","sentiment_score":0.3297037019156942,"channel":0,"num_words":51,"start":45.215,"end":63.57},{"sentences":[{"text":"Yep.","start":63.13,"end":63.465,"sentiment":"neutral","sentiment_score":0.07025328278541565}],"sentiment":"neutral","sentiment_score":0.07025328278541565,"channel":1,"num_words":1,"start":63.13,"end":63.465},{"sentences":[{"text":"And with that, they just to verify your 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email.","start":917.04004,"end":919.22003,"sentiment":"neutral","sentiment_score":0.0371812784246036}],"sentiment":"neutral","sentiment_score":0.06257475141821237,"channel":0,"num_words":29,"start":908.725,"end":919.22003},{"sentences":[{"text":"Yep.","start":919.29504,"end":919.615,"sentiment":"neutral","sentiment_score":0.031978849321603775},{"text":"Yep.","start":919.615,"end":920.115,"sentiment":"neutral","sentiment_score":0.024114711210131645}],"sentiment":"neutral","sentiment_score":0.02804678026586771,"channel":1,"num_words":2,"start":919.29504,"end":920.115},{"sentences":[{"text":"Do you have access to that at the moment, or are you a bit busy right now?","start":919.68,"end":924.10004,"sentiment":"neutral","sentiment_score":-0.00449184246142121}],"sentiment":"neutral","sentiment_score":-0.00449184246142121,"channel":0,"num_words":17,"start":919.68,"end":924.10004},{"sentences":[{"text":"I'm not 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you.","start":1607.835,"end":1610.16,"sentiment":"neutral","sentiment_score":0.1449470017105341},{"text":"And then it was a tax file number opt in form.","start":1610.3201,"end":1612.88,"sentiment":"neutral","sentiment_score":0.21169273284348575},{"text":"And that's just to","start":1612.88,"end":1613.6,"sentiment":"neutral","sentiment_score":0.18268677592277527}],"sentiment":"neutral","sentiment_score":0.17545833438634872,"channel":0,"num_words":36,"start":1603.835,"end":1613.6},{"sentences":[{"text":"Yes.","start":1613.5,"end":1614.0,"sentiment":"neutral","sentiment_score":0.24660256505012512}],"sentiment":"neutral","sentiment_score":0.24660256505012512,"channel":1,"num_words":1,"start":1613.5,"end":1614.0},{"sentences":[{"text":"say that we're keeping your tax file number secure and safe on the file.","start":1613.6,"end":1617.14,"sentiment":"positive","sentiment_score":0.4574320124728339},{"text":"And I have seen that that's come through on my end, which is great, but I will let 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you.","start":1683.8389,"end":1684.4789,"sentiment":"neutral","sentiment_score":0.11368924006819725},{"text":"Bye.","start":1684.4789,"end":1684.9789,"sentiment":"neutral","sentiment_score":0.0829906165599823}],"sentiment":"neutral","sentiment_score":0.10830150917172432,"channel":0,"num_words":6,"start":1682.8789,"end":1684.9789}]},"summary":{"result":"success","short":"Representatives from Oakview Financial called customers to confirm annual reviews and update personal and driver's license information, as well as update their financial dependents and military dependents. They discussed retirement plans, health insurance, estate planning, and goals for themselves, and provided legal forms and instructions for accessing and reviewing documents. The agents emphasized the importance of being a high-growth investor in the long term and discussed various topics such as coverage, investment portfolios, and risk tolerance. They also provided advice and tax files for customers and requested them to sign and receive them via email."},"intents":{"segments":[{"text":"That's exactly what I have here, and congratulations on the marriage. That's very exciting.","start_word":124,"end_word":137,"intents":[{"intent":"Congratulate on marriage","confidence_score":0.02886223}]},{"text":"And do you have my email now as tanyabliss@outlook.com? Yep.","start_word":382,"end_word":391,"intents":[{"intent":"Provide contact information","confidence_score":0.00011842497}]},{"text":"Can I update that if it comes to the right one?","start_word":401,"end_word":411,"intents":[{"intent":"Update email","confidence_score":0.36620387}]},{"text":"Can I update that if it comes to the right one? Sure.","start_word":401,"end_word":412,"intents":[{"intent":"Update documents","confidence_score":0.39861637}]},{"text":"sure that then the email address changed. So for the documents today, I have just sent it to Tanya d eighty eight Yeah. just That's so okay. it matches, but I will update the records. So anything after today, we will then change to your new add Yep. address for you. Alright.","start_word":532,"end_word":583,"intents":[{"intent":"Address information","confidence_score":0.000007898123}]},{"text":"So if something were to happen and we cannot, for any reason, get in touch with you, who is someone that you would like us to contact?","start_word":655,"end_word":681,"intents":[{"intent":"Contact contact person","confidence_score":0.027674237}]},{"text":"Now I have income here at around 107,000. Is that still the case?","start_word":828,"end_word":840,"intents":[{"intent":"Update income","confidence_score":0.48541147}]},{"text":"Otherwise, when it comes to your assets, I have here your main property was last tied at about 500,000. Yep.","start_word":849,"end_word":868,"intents":[{"intent":"Update property value","confidence_score":0.1249821}]},{"text":"Probably because do you have variable rates as well?","start_word":971,"end_word":979,"intents":[{"intent":"Inquire about variable rates","confidence_score":0.06662568}]},{"text":"Otherwise, when it comes to your super and insurances, we don't actually have a nomination on file for you at the moment. So if something were to happen to you, do you know who would you like to nominate to receive that?","start_word":1689,"end_word":1730,"intents":[{"intent":"Update nomination form","confidence_score":0.26689416}]},{"text":"So what I can do, because it is making Send a legal me another nominate form. Yes. Unfortunately.","start_word":1737,"end_word":1754,"intents":[{"intent":"Send nomination form","confidence_score":0.60180646},{"intent":"Send nomination form","confidence_score":0.055014864},{"intent":"Send nomination form","confidence_score":0.028955068}]},{"text":"can send it to TanyaBliss@Outlook.com. Alright.","start_word":1905,"end_word":1910,"intents":[{"intent":"Provide email","confidence_score":0.012698509}]},{"text":"completed, and the spouse is a valid nomination as well.","start_word":1975,"end_word":1984,"intents":[{"intent":"Confirm submission","confidence_score":0.00013974961}]},{"text":"Now, otherwise, when it comes to goals for yourself, I have here that last time we caught up with you, your main focus was to kind of pay down the mortgage as much as possible and maybe do some renovations to the house.","start_word":2004,"end_word":2046,"intents":[{"intent":"Renovate house","confidence_score":0.119474106}]},{"text":"Now, otherwise, when it comes to goals for yourself, I have here that last time we caught up with you, your main focus was to kind of pay down the mortgage as much as possible and maybe do some renovations to the house. Is that Yeah.","start_word":2004,"end_word":2049,"intents":[{"intent":"Pay down mortgage","confidence_score":0.26350433}]},{"text":"I just wanna be out of debt. Like, the other loans Yeah.","start_word":2205,"end_word":2216,"intents":[{"intent":"Stay out of debt","confidence_score":0.0010305949}]},{"text":"There's a risk, but, hopefully, I get rich and I can retire soon. Yes. Kind of.","start_word":2319,"end_word":2334,"intents":[{"intent":"Maximize retirement","confidence_score":0.0012157147}]},{"text":"It is it is where you are looking at getting as much growth as you possibly can out of your superannuation Yep.","start_word":2334,"end_word":2355,"intents":[{"intent":"Provide growth guidance","confidence_score":0.00003174028}]},{"text":"For some years, depending on what is going on in the world, might not be as good. Other years will be a lot better. So long term, you will achieve that higher growth. But on a year to year or shorter, sometimes it can be a little bit more fluctuations in the shorter. You Yep.","start_word":2392,"end_word":2446,"intents":[{"intent":"Understand market fluctuations","confidence_score":0.34208947}]},{"text":"Now we have changed the software, so it might look a little bit different, Yep.","start_word":2739,"end_word":2753,"intents":[{"intent":"Explain yep software","confidence_score":0.0050865},{"intent":"Explain new software version","confidence_score":0.00007713371}]},{"text":"But you should see an email come through, and you should see before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email. Can you see those?","start_word":2754,"end_word":2793,"intents":[{"intent":"Explain email","confidence_score":0.044690363},{"intent":"Explain email address","confidence_score":0.00030387682}]},{"text":"But you should see an email come through, and you should see before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email. Can you see those? Yep.","start_word":2754,"end_word":2794,"intents":[{"intent":"Instruct to check yep","confidence_score":2.6469442e-7}]},{"text":"Now I'll try to go through this pretty quickly with you because I know we have done this a couple of times, but, obviously, any questions, let me know.","start_word":2797,"end_word":2825,"intents":[{"intent":"Request assistance","confidence_score":0.009491526}]},{"text":"Now these are your kind of compliance documents. It's the one we do send you every year.","start_word":2861,"end_word":2877,"intents":[{"intent":"Recommend checking documents","confidence_score":0.0002544881}]},{"text":"Now these are your kind of compliance documents. It's the one we do send you every year. It is a bit of an updated version, though.","start_word":2861,"end_word":2886,"intents":[{"intent":"Provide updates","confidence_score":0.0033750327}]},{"text":"None of the important information has changed, but we've had a bit of an extension to the team, which is nice. But if you do wanna go and have a look at it, you will see everybody's all the advice team and directors and everybody in there. You'll also see myself in there if you do wanna put a face to the voice. But, otherwise, none of the important Not by information me. Sure. has changed.","start_word":2887,"end_word":2962,"intents":[{"intent":"Provide information","confidence_score":0.04401836}]},{"text":"You'll also see myself in there if you do wanna put a face to the voice. But, otherwise, none of the important Not by information me.","start_word":2934,"end_word":2959,"intents":[{"intent":"Introduce oneself","confidence_score":0.0005676335}]},{"text":"You can go back when, you know, on the phone and have a look at it. It it it just shows you your super insurance as well. I will read it out to you anyway. Yep.","start_word":3028,"end_word":3063,"intents":[{"intent":"Examine super insurance coverage","confidence_score":0.0021985911}]},{"text":"let the insurance team know to update that today for you so we can get that sorted and all updated. That is no problem.","start_word":3510,"end_word":3533,"intents":[{"intent":"Update insurance information","confidence_score":0.36416233}]},{"text":"Now one of the investments that have been a little bit more fluctuating in the last twelve months in your India investment, we're not too concerned about that one because it's more of your somatic exposures and, like, a cyclical trend going on, and we do foresee that still being a very good investment long term for you. There's a lot of growth opportunities. Yep.","start_word":4068,"end_word":4132,"intents":[{"intent":"Discuss investment options","confidence_score":0.13064978},{"intent":"Discuss investment options","confidence_score":0.27228948},{"intent":"Discuss investment options","confidence_score":0.0663001}]},{"text":"But there is another investment that I would like to look at changing if you are happy with that, and that is your Benelon Australian equity.","start_word":4132,"end_word":4157,"intents":[{"intent":"Change investment","confidence_score":0.5970317}]},{"text":"So if you are happy for us to do that change, Tanya, what I will do is I will just send you something that's called a record of advice. You don't have to change sorry. You don't have to sign it or anything like that. It's just for your reference so that you know we have made the change. If you are happy for us to go ahead and do that for you. Yep.","start_word":4507,"end_word":4580,"intents":[{"intent":"Change investment plan","confidence_score":0.050099913}]},{"text":"Then as soon as we get that, we can get that updated for both your insurances and your hub twenty four account. Perfect.","start_word":4803,"end_word":4825,"intents":[{"intent":"Update insurance and bank account","confidence_score":0.13932572},{"intent":"Update insurance information","confidence_score":0.014026417}]},{"text":"If you do think about anything or you need anything else, don't hesitate to give me a call or or send me an email, and we can always book you in for another catch up. Thanks, Veronica.","start_word":4903,"end_word":4939,"intents":[{"intent":"Book a catch up","confidence_score":0.117779665}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Tanya. Yep. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.18144331872463224},{"text":"I'm good.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.45821627974510193},{"text":"How are you?","start_word":18,"end_word":20,"sentiment":"neutral","sentiment_score":0.32870686054229736},{"text":"I'm good. Thanks.","start_word":21,"end_word":23,"sentiment":"positive","sentiment_score":0.5683543086051941},{"text":"I had you booked in for Yep. a catch up to go over your annual review. Is now still a good time for you? Yep. Yep.","start_word":24,"end_word":49,"sentiment":"neutral","sentiment_score":0.26217806339263916},{"text":"Perfect.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.3787783086299896},{"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? Yep. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Tanya James Bliss, 1988, and 143 Parksboro Road, Parks, New South Wales 2870. Yep.","start_word":51,"end_word":122,"sentiment":"neutral","sentiment_score":0.04754339158535004},{"text":"Perfect. That's exactly what I have here, and congratulations on the marriage. That's very exciting.","start_word":123,"end_word":137,"sentiment":"positive","sentiment_score":0.7569387555122375},{"text":"Now I can see here as well that with the forms that after the interview today is that we are going to do your change of name as well just to change your last name. Yep. And with that, they just to verify your identity, Yep. would you be able to, when you have a moment, send me an email with do you have you updated your driver's license or anything with your new last name? Yes. So everything's updated. I'm just waiting on my marriage certificate to come back again because I spelled my witness's name wrong. So Of course. I'm waiting for that to come back, but I got an email this morning. It's open the way. Okay. Sorry. Okay. Perfect. Because when you because they need they will need that your ID, which is great. You have that Yeah. as well as their marriage certificate just to, obviously, approve the new name. So as soon as you do get your marriage certificate back, if you could send that to me along with your ID, that will be great. Then we can go and process that Yep. change of name Yep. for you, everywhere. And now to make it easier, would you like me, to get, my admin person to send you an email with the ID and my certificate. That way Yes.","start_word":138,"end_word":362,"sentiment":"neutral","sentiment_score":0.11955804109573363},{"text":"you can just That respond would be great. to it.","start_word":363,"end_word":372,"sentiment":"positive","sentiment_score":0.4194536805152893},{"text":"Yeah. Yeah.","start_word":373,"end_word":374,"sentiment":"neutral","sentiment_score":0.2748964726924896},{"text":"I'm really Perfect.","start_word":375,"end_word":377,"sentiment":"positive","sentiment_score":0.4191647469997406},{"text":"bad. No. That's okay. And do you have my email now as tanyabliss@outlook.com? Yep. No. We have it as tanyag88@gmail Yeah. dot com. Can I update that if it comes to the right one? Sure. So sorry. Would you mind repeating what your new email address is again for me? Tanya bliss Yeah. Yes. At outlook dot com. At outlook dot com. Now do you still have access to Tanyag88@Gmail Yeah. dot I com? do. Yeah. Okay. So if you're happy to do so, just because hub twenty four needs the email to match. Yeah. Yeah. That's So okay. yeah. Sorry. But as soon as we've kind of gone through the interview today and, obviously, if you're happy and signed the documents after we've processed the 24 documents, Yep. I will get the team to update because we can just update that on our back end straight away for you. Okay. So make Perfect. sure that then the email address changed. So for the documents today, I have just sent it to Tanya d eighty eight Yeah. just That's so okay. it matches, but I will update the records. So anything after today, we will then change to your new add Yep. address for you. Alright.","start_word":378,"end_word":583,"sentiment":"neutral","sentiment_score":0.10810209065675735},{"text":"Perfect.","start_word":584,"end_word":584,"sentiment":"positive","sentiment_score":0.504387378692627},{"text":"Now what I might do first is just to run through a bit of a fact find to see if there's anything else major that has changed for you, if we need to make any changes to your advice. So just kind of bear with me as I go through this. Now when it comes to next up, Ken, I don't actually have someone nominated on file for you. So if something were to happen and we cannot, for any reason, get in touch with you, who is someone that you would like us to contact? Probably best person would be the husband now. Yeah.","start_word":585,"end_word":689,"sentiment":"neutral","sentiment_score":-0.017549096224164323},{"text":"Beautiful.","start_word":690,"end_word":690,"sentiment":"positive","sentiment_score":0.4859194755554199},{"text":"And best name, please? Jacob Bliss. K. Perfect. And his best contact number? 0456 Yep. 221 Two two one. Yep. 150. 150.","start_word":691,"end_word":712,"sentiment":"neutral","sentiment_score":0.10658253729343414},{"text":"Beautiful.","start_word":713,"end_word":713,"sentiment":"positive","sentiment_score":0.40676361322402954},{"text":"And you have financial dependents at home as well? I have three kids. Yeah. Yep.","start_word":714,"end_word":728,"sentiment":"neutral","sentiment_score":0.10933415591716766},{"text":"Beautiful.","start_word":729,"end_word":729,"sentiment":"positive","sentiment_score":0.36185240745544434},{"text":"Now when it comes to occupation, has any of that changed for you in the last twelve months, Tanya? Not No. not in the last nine years. No. Perfect. You enjoy it then? No. It has its moment. Yeah. You must be pretty good at that too, though, if you've been doing it for so long. Well, I don't know. Holiday And I sounds good. and would you be coming up soon to getting long service leave then? So we get it from seven years. Oh, nice. Yeah. So I've already used some of it, I guess. Yeah. Now I have income here at around 107,000. Is that still the case? 116. 116? Nice. I'll Yep. update that. Perfect. Otherwise, when it comes to your assets, I have here your main property was last tied at about 500,000. Yep. Is that still the case? I haven't had it valued again. No. That's okay. Last time, it was around 500. Yeah. Yep. And I had as well mortgage at about 458,000. It's $4.50 now. Looks 4 like 50. it doesn't ever go down. Sometimes it feels like that because, obviously, interest and stuff like that. It's the I same know. with my mortgage. I'm like, I'm But I paying was and like, paying oh, and it paying. was it was it was, like, under one like, $4.50, and then Yeah. I was like, what the hell? Now it's going Yeah. back up. Probably because do you have variable rates as well? Yep. Yeah. The last little while, we have seen or I've seen quite a few increases, and most people have as well, with, obviously, interest rate going up and everything.","start_word":730,"end_word":1009,"sentiment":"neutral","sentiment_score":-0.023506709141656756},{"text":"So I have certainly seen that as well, and you feel a bit defeated too because you're like, hang on. I'm paying all this money, and now there's more coming out. So I feel your frustration.","start_word":1010,"end_word":1045,"sentiment":"negative","sentiment_score":-0.563912034034729},{"text":"Yes. Otherwise, other assets I have here are huge. Buy it out of about 46,000. So mute's going. Okay.","start_word":1046,"end_word":1064,"sentiment":"neutral","sentiment_score":-0.0021287959534674883},{"text":"Perfect.","start_word":1065,"end_word":1065,"sentiment":"positive","sentiment_score":0.33684802055358887},{"text":"Do you have the caravan still? Yeah. Yep. And about 20,000? Yep. Yep. And do you have any other motor vehicles? I have a 2021 Prado that I salary sacrifice for. Okay. Perfect. And let's Yep. see here. Yep. Do you know is that on, like, a no vetted lease situation? Yep. Yeah. I Perfect. think it started off at 65, and I've had it for a year. Okay. Perfect. So it would be if you were to cancel it and pay it out, it would be probably around the 60 ish, would you say, or Probably around 40 ish, 40? 45 Okay. now. 45. Oh, that's good. Otherwise, I have here a loan of $5,000. Yeah. Is that That correct? sounds about right. But I've Yeah. got another one for 13 Okay. thousand Yep. just to get me through my life. Yeah. And that's especially nowadays with prices and everything too. It's most people, unfortunately, in the same situation. Any other changes to assets or liabilities otherwise? No. Perfect. Have you had any changes to your health in the last twelve months? Nope. Nope. Great. And do you have private health insurance? I have the the zero inch, whatever it is, the life insurance, but that's it. Okay. So you don't have, like, hospital covers or anything like that? No.","start_word":1066,"end_word":1286,"sentiment":"neutral","sentiment_score":-0.01468266360461712},{"text":"No. It's No. not worth it out here.","start_word":1287,"end_word":1294,"sentiment":"negative","sentiment_score":-0.450084775686264},{"text":"Yeah. You The only got thing I the same do people wanna anyway. yeah. The only thing I do wanna flag with you is that because you are a high income earner, if you don't have it also depends on, like, your husband if you share finances and and your household income. But if I'm just looking from an individual point of view, if you earn more than 101,000 at the moment, which you do, you are eligible to pay the medical levy surcharge. So it is an additional tax for high income earners if you don't have Yes. private Best health insurance. Yeah. So I've I've yeah. I've had to pay that the last few years, which is fine. Yeah. Okay. Perfect. Yeah. I do wanna just take a something, but don't know. Or other Yeah. times, No. I've it's like yeah. we've Perfect. I've had No. private health before, and it's made no difference Okay. because you can't Yep. utilize it here. Yeah. And and I I have so many clients that's the same. And to be fair, I'm similar in that. They're in the reason you would have it. If you don't utilize that for extra stuff, which I don't, it is just for the tax. And sometimes sometimes it works out better. Sometimes you still have to pay, and then, yeah, it's just a trade off of what you are wanting to do. But if Yeah. you've obviously been aware of that, I know it.","start_word":1295,"end_word":1543,"sentiment":"neutral","sentiment_score":-0.022609625150071807},{"text":"That's great.","start_word":1544,"end_word":1545,"sentiment":"positive","sentiment_score":0.5574087500572205},{"text":"Do you wanna flag it because sometimes people don't know about it, but it is good that you are kind of across all of that. Yep. Otherwise, when it comes to estate planning, do you have a will in place at all? Yep. Yes. Perfect. And that is has that been updated since your your marriage as well? No. But my mom is the executor. Okay. Because My sometimes mom and my sister. okay. Perfect. Because sometimes as well, just check it because I'm not a lawyer, so I can't give you any legal advice. But sometimes Yeah. when you do get married, that cancels out previous bills. So just make sure if you need to get it updated or anything Yeah.","start_word":1546,"end_word":1667,"sentiment":"neutral","sentiment_score":0.06994381333228017},{"text":"after changes, but it is good that you do have your mom and sister as executor, and that's all in place.","start_word":1668,"end_word":1688,"sentiment":"positive","sentiment_score":0.4977512061595917},{"text":"Otherwise, when it comes to your super and insurances, we don't actually have a nomination on file for you at the moment. So if something were to happen to you, do you know who would you like to nominate to receive that? Would probably be a Jacob. Yep. So what I can do, because it is making Send a legal me another nominate form. Yes. Unfortunately. But that way, it is important so we can make Yep. sure that it's in order. All Now, three. Tanya, do you have access to a printer, or do you prefer it to be posted out to you? Yeah. Just send it through, and I'll send it through to my work one. And then I'll hit print, and then I'll just do everything back to front, but that's okay. Yep. Yeah. Okay.","start_word":1689,"end_word":1826,"sentiment":"neutral","sentiment_score":0.0196120236068964},{"text":"Amazing. That's fine. Sometimes makes it easier because then you have it in your inbox as well.","start_word":1827,"end_word":1843,"sentiment":"positive","sentiment_score":0.46488431096076965},{"text":"First, it makes it quicker, but then also it's there. So if you ever sometimes people lose mail and stuff. Oh, That that's way, me. it yep. So many people are like, I said, do you have a printer? Then if you're like, yes. Please do that. So I would get the team to email that to you. Now we Yep. can send it to TanyaBliss@Outlook.com. Alright. It doesn't matter which one you send it through to. Okay.","start_word":1844,"end_word":1921,"sentiment":"neutral","sentiment_score":0.07171028107404709},{"text":"Perfect.","start_word":1922,"end_word":1922,"sentiment":"positive","sentiment_score":0.421941339969635},{"text":"I'll just update the record so we do have Yep. your new one anyway Cool. to Thank make you. sure Bye. we don't send anything to your old one. I will get the the forms sent out to you. And then, yeah, when you have a moment, print it out, obviously, Yep. completed, and the spouse is a valid nomination as well. And if something were to happen to you, it will go tax free to him as well.","start_word":1923,"end_word":2001,"sentiment":"neutral","sentiment_score":0.19061840749994108},{"text":"Yep. Perfect.","start_word":2002,"end_word":2003,"sentiment":"positive","sentiment_score":0.5057348608970642},{"text":"Now, otherwise, when it comes to goals for yourself, I have here that last time we caught up with you, your main focus was to kind of pay down the mortgage as much as possible and maybe do some renovations to the house. Is that Yeah. still At kind the of moment. the goal? It's a it's a plan, but, you Yeah. know. That's fine. Sometimes it's long terms as well and fine, especially if things always come up, and you've obviously had I'll a bit of get changes. there. I've only Yeah. had the house for just So over twelve months. So yeah. yeah. And that's yeah. And that's that's also why the interest the first twelve months you see as well with the payments, it's barely moving, and it can feel frustrating because it's with the interest. So it should, Yeah. as you get closed up, feel better. But but I'm the same. I bought a house last year, and, yeah, I'm the same. It's barely moving, and I'm like, come on now. Not Otherwise, bad. is there something else that you are working towards that you're wanting kind of to achieve in the next twelve months or so? I just wanna be out of debt. Like, the other loans Yeah. and stuff. Like, I've got rid of Afterpay now. I've just got the other ones That's good. to go now. Yep. If Perfect. that's what And works it's it's like. good for, like, to get rid of, like, small ones, and then you have the other one The big and ones. just to kinda, yeah, just to tryna focus on that. No. That's really good. Now, otherwise, when it comes through superannuation, I have you here as we have you invested in a high growth portfolio. Yep. Do you remember what it means to be a high growth investor at all? There's a risk, but, hopefully, I get rich and I can retire soon. Yes. Kind of. It is it is where you are looking at getting as much growth as you possibly can out of your superannuation Yep. while you do have the time. But at the same time as well, you are prepared and understand that short term, there will be ups and downs and market fluctuations Yep. in a high growth portfolio. For some years, depending on what is going on in the world, might not be as good. Other years will be a lot better. So long term, you will achieve that higher growth. But on a year to year or shorter, sometimes it can be a little bit more fluctuations in the shorter. You Yep. do have plenty of time until retirement. Unfortunately, So you are in yeah. you are in a good position to take advantage of that, though, and you K. definitely Yep. have that you know, if there's a bit of a market dip in what's happening, you have the time behind you in a high growth portfolio. Because, ideally, we'd like to see about eight years on field retirement in a high growth, which you'd do. So from a time frame point of view, it is well suited for you. Are you still comfortable with high growth? Otherwise, when Yes. it comes to your risk yep.","start_word":2004,"end_word":2551,"sentiment":"neutral","sentiment_score":0.0743793239069246},{"text":"Beautiful.","start_word":2552,"end_word":2552,"sentiment":"positive","sentiment_score":0.39145761728286743},{"text":"Now I have to send you an email with some documents as well there, Tanya. It it goes to your old email. Yep. Yep. Do you have access to that at the moment, or are you a bit busy right now? I'm not work. I'll just put me That's on okay. Yeah. Yeah? Okay. Because it is up to you. It does make it easier if you can access it, but if you can't, I can just quickly run through it. And then when you are home later and you have time, you can always go through it. And then any questions, you can then let me know. It is up to you. You just need my signature on it, don't you? Yes. Yep.","start_word":2553,"end_word":2676,"sentiment":"neutral","sentiment_score":0.0915304347872734},{"text":"And I do wanna just kind of talk through them Yep. as well just to make sure you're obviously happy. Everything will be saved afterwards your account anyway.","start_word":2677,"end_word":2704,"sentiment":"positive","sentiment_score":0.5000613331794739},{"text":"So if you when you do have a bit more time, you wanna go through them and have a look at it, it's all there. I always have a copy on file as well. Now we have changed the software, so it might look a little bit different, Yep. But you should see an email come through, and you should see before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email. Can you see those? Yep. Yep.","start_word":2705,"end_word":2795,"sentiment":"neutral","sentiment_score":0.13914179801940918},{"text":"Beautiful.","start_word":2796,"end_word":2796,"sentiment":"positive","sentiment_score":0.6418173313140869},{"text":"Now I'll try to go through this pretty quickly with you because I know we have done this a couple of times, but, obviously, any questions, let me know. Now you should see two ones there, which I'll get you to have a look at later, which is Oakview services guide and Oakview financial services guide. Can you see those? Yep. Yep. Yep.","start_word":2797,"end_word":2859,"sentiment":"neutral","sentiment_score":0.15891648828983307},{"text":"Perfect.","start_word":2860,"end_word":2860,"sentiment":"positive","sentiment_score":0.5511664152145386},{"text":"Now these are your kind of compliance documents. It's the one we do send you every year. It is a bit of an updated version, though. None of the important information has changed, but we've had a bit of an extension to the team, which is nice. But if you do wanna go and have a look at it, you will see everybody's all the advice team and directors and everybody in there. You'll also see myself in there if you do wanna put a face to the voice. But, otherwise, none of the important Not by information me. Sure. has changed. Now you should also see one where it says super and insurance summary. Can you see that? Mhmm. It won't scroll down for me any further. Okay. There's, like, one more that it just won't give me on my phone. And that's that one? Yep. Is that the one that says okay. That that's But okay. it's there. I can see it. Okay. Yeah. You can go back when, you know, on the phone and have a look at it. It it it just shows you your super insurance as well. I will read it out to you anyway. Yep. You have your superannuation with hub twenty four. Now you do have about a $147,743 in there. Yep. And then you And then also you're have four. some insurances with one part. So you have life and total permanent disability of a Yep. million dollars. Yep. Now are you still happy with that level of cover and everything like that?","start_word":2861,"end_word":3122,"sentiment":"neutral","sentiment_score":0.09529774866372574},{"text":"Yeah. That's fine. Yep. It covers everything if something happens to me, and then they don't have to worry about it. Exactly. Like, all the you know, that will be cleared out.","start_word":3123,"end_word":3154,"sentiment":"positive","sentiment_score":0.435252845287323},{"text":"It still leaves extra if something were to happen. Same if something happens to you and you can't work.","start_word":3155,"end_word":3173,"sentiment":"neutral","sentiment_score":0.3007813096046448},{"text":"Don't have to worry about the mortgage and still gives you extra money through assist.","start_word":3174,"end_word":3188,"sentiment":"positive","sentiment_score":0.3393084406852722},{"text":"Yeah. You also have an income protection, and that will pay you a monthly amount of $6,241 per month. If something were to happen, you have a sixty day waiting period and a benefit period all the way up to the age of 65.","start_word":3189,"end_word":3232,"sentiment":"neutral","sentiment_score":0.23375165462493896},{"text":"So very comprehensive. Now all of those three are paid inside superannuation for you.","start_word":3233,"end_word":3246,"sentiment":"positive","sentiment_score":0.40823277831077576},{"text":"You do get a 15% tax rebate, and the premium after the tax rebate is 3,169. Okay. Now any questions with those so that all makes sense? No. It all makes sense. It's No. the one that is out of the super like, out of the super that I pay for. Is that the income protection Mhmm. or it's something?","start_word":3247,"end_word":3306,"sentiment":"neutral","sentiment_score":-0.05159834027290344},{"text":"That's it's a trauma.","start_word":3307,"end_word":3310,"sentiment":"negative","sentiment_score":-0.349473774433136},{"text":"So you have Yeah. an out of pocket one, a trauma Yep. policy? Yeah. I just need to update my bank account with that one so it comes out Yes. of the right bank account so I can close the Commonwealth. Okay. If you are comfortable to give it to me over the phone, I can pass it on through Yep. the team or they yeah. Are you happy with that? Yeah. Yeah. Just just Because because it's I tried better to than do you it the other day, and I'm like, oh my god. I can't. I'm bad no. with That's technology. fine. You can give it to me because it's better than you emailing it because we don't want the paper trail for your Yep. security. So So account yes. name is Tanya Yep. Bliss. And, yeah, Bliss. Yep. BSB is 082780. Sorry. Would you mind just taking a little bit slower? I just wanna make sure I get it right. So 0. 82 Yep. 780. 780. Yes. And account number is 98 Nine eight. Yep. 252 Two five two. Yes. 0039. 0039.","start_word":3311,"end_word":3495,"sentiment":"neutral","sentiment_score":-0.002851079765241593},{"text":"And Beautiful.","start_word":3496,"end_word":3497,"sentiment":"positive","sentiment_score":0.346177339553833},{"text":"that's with the nub? NAB. Yep.","start_word":3498,"end_word":3503,"sentiment":"neutral","sentiment_score":0.22997505962848663},{"text":"Perfect.","start_word":3504,"end_word":3504,"sentiment":"positive","sentiment_score":0.4717172682285309},{"text":"Yes. Now I will Yeah. let the insurance team know to update that today for you so we can get that sorted and all updated. That is no problem. Now with the trauma, so that is covering you for traumatic events if something were to happen. So the biggest ones we typically see are, like, your cancer, stroke, heart attack, neurological condition, and this one is paid tax free to you back pocket straight away as well. Yeah. So you are covered for about $82,000 at the moment that would be paid out, and you do have a secondary life policy attached to it. Now, usually, that is just to reduce the premium of the trauma just because the insurance have multi policy discounts. But often, it's actually cheaper to have a second life even though you might not need it. But if it reduces the premium of the trauma, you get an extra 82,000 or something what happened. Yeah. Sorry that you do have that, and that premium is about $18.19 per month. Yeah. I'm not not too much there, so that Yeah. is good. Because Did it come you have out any the other question? day, and I just transferred the money across to the other bank account. I'm like, yeah. Whatever. Yep. Yeah. No.","start_word":3505,"end_word":3721,"sentiment":"neutral","sentiment_score":0.05305907502770424},{"text":"It's easier to we can get that sorted for you, sir.","start_word":3722,"end_word":3732,"sentiment":"positive","sentiment_score":0.4571661353111267},{"text":"The next payment will come out of your other bank account. Now you will also see true certificate of currency in the email there. That is just basically outlining your insurances Yep. in a bit more Yep. detail for you. Otherwise, you will have your twelve month performance report with Hub twenty four. This can be a little bit tricky to see on the phone sometimes because it's a little can be a little bit messy, outlines all your investments and your portfolio after fees. So over the past twelve months, you probably have heard and seen in the news as well. It's been quite a few quite a bit of fluctuations in the market and in Yep. the world in the last twelve months. First, obviously, we had everything in The US with Trump and and everything. And more recently, obviously, everything going over with the war. We have seen a bit of a mixed market Yes. the last twelve months.","start_word":3733,"end_word":3894,"sentiment":"neutral","sentiment_score":-0.024561606347560883},{"text":"Now we've had some really good areas in your portfolio. So the way that your portfolio is designed as well is that it is very diversified.","start_word":3895,"end_word":3920,"sentiment":"positive","sentiment_score":0.48741984367370605},{"text":"So we wanna make sure if there's some areas that's performing really well, we do spread things out for you so you don't have everything in just one sector that some years is amazing and then other years is down quite a bit. We don't want that. So we do wanna obviously level things out for you. So at the moment, the areas that have done really well is The US equity for you have done really well.","start_word":3921,"end_word":3998,"sentiment":"neutral","sentiment_score":0.15441638231277466},{"text":"Yep. Australian quality companies have done really well. Your gold have been very strong performance as well. And the gold have kind of benefited from, you know, the ongoing global uncertainty we have seen in the world. So that's kind of the the market stabilizer from it.","start_word":3999,"end_word":4045,"sentiment":"positive","sentiment_score":0.4946964681148529},{"text":"But I'm on the other side as well. We've had some areas where it has been a little bit more fluctuating. Now one of the investments that have been a little bit more fluctuating in the last twelve months in your India investment, we're not too concerned about that one because it's more of your somatic exposures and, like, a cyclical trend going on, and we do foresee that still being a very good investment long term for you.","start_word":4046,"end_word":4124,"sentiment":"neutral","sentiment_score":0.1875607758123852},{"text":"There's a lot of growth opportunities.","start_word":4125,"end_word":4130,"sentiment":"positive","sentiment_score":0.5049420595169067},{"text":"Yep. But there is another investment that I would like to look at changing if you are happy with that, and that is your Benelon Australian equity. Now the reason we do wanna change it is we do a lot of investment research all the time on the investments, and it is really important to make sure we always have you in the best options possible for you.","start_word":4131,"end_word":4198,"sentiment":"neutral","sentiment_score":0.2179961204528809},{"text":"And the good thing with Hub twenty four is that you do have hundreds of different investment options out there that allows us to do that.","start_word":4199,"end_word":4224,"sentiment":"positive","sentiment_score":0.4689827561378479},{"text":"And if we do foresee one investment, if it's underperforming a little bit and we don't foresee it come back around, we then wanna change it to something else because things are always changing. So with your Benelon Australian equity, that one was added to your portfolio because it's kind of giving you the the active management where they are trying to actively buy and sell different investments in order to kinda outperform the market. But they have, like I said, recently been a little bit slower in making those decisions. But if that is the case, we wanna make sure we can swap it for something that's going to do a little bit better for you moving forward. Yep. And Well, we have you know found what you're one. doing. I have no idea. No. That is okay. And that is what we're here to do. I just obviously wanna let you know. But we obviously do the research and everything, and we have found another option for you, which is your your beta shares Australia two 100. It is still swapping an Australian investment to an Australian investment because we still wanna make sure you have some exposures. We don't want, like I said earlier, everything in one area. We wanna diversify Yeah. things for you.","start_word":4225,"end_word":4442,"sentiment":"neutral","sentiment_score":0.051039401441812515},{"text":"But this investment here is a little bit cheaper than your Benelung investment, and it has performed a little bit better for you as well. Yep. And because it's more kind of following the 200 largest companies in Australia, it might be a little bit smoother than your Benelung, which is trying to do more of that kind of more frequent buying and selling. So if you are happy for us to do that change, Tanya, what I will do is I will just send you something that's called a record of advice.","start_word":4443,"end_word":4535,"sentiment":"positive","sentiment_score":0.4264109134674072},{"text":"You don't have to change sorry. You don't have to sign it or anything like that. It's just for your reference so that you know we have made the change.","start_word":4536,"end_word":4565,"sentiment":"neutral","sentiment_score":0.24143019318580627},{"text":"If you are happy for us to go ahead and do that for you.","start_word":4566,"end_word":4579,"sentiment":"positive","sentiment_score":0.4624127745628357},{"text":"Yep.","start_word":4580,"end_word":4580,"sentiment":"neutral","sentiment_score":0.2700924575328827},{"text":"Go for it. Yes. Amazing. You will, like I said, get it in your email as well just for your reference, but you don't need to accent or do anything with that.","start_word":4581,"end_word":4612,"sentiment":"positive","sentiment_score":0.40143436193466187},{"text":"Now the last document you will see there, Tanya, it is then if you're happy to do so, it's just those documents to sign. Now it should be two documents. Yeah. That One was will true. be I've signed. yeah.","start_word":4613,"end_word":4652,"sentiment":"neutral","sentiment_score":0.13667728006839752},{"text":"Amazing. Thank you so much.","start_word":4653,"end_word":4657,"sentiment":"positive","sentiment_score":0.7026611566543579},{"text":"Now you would have seen that one was your ongoing service agreement. No Yep. changes whatsoever in regards to the fee structure. It stays exactly the same. No changes in regards to that for you. And then it was a tax file number opt in form. And that's just to Yes.","start_word":4658,"end_word":4708,"sentiment":"neutral","sentiment_score":0.18496626615524292},{"text":"say that we're keeping your tax file number secure and safe on the file. And I have seen that that's come through on my end, which is great, but I will let the team know.","start_word":4709,"end_word":4743,"sentiment":"positive","sentiment_score":0.4865308403968811},{"text":"Once we've submitted that with Hub twenty four, we will then go ahead and change your email address there. And Yep. then as soon as you get your marriage certificate, if you can respond I'll send to it the email through. that Yep. my, yep, colleague will send you just to make it easy along with your ID. Then as soon as we get that, we can get that updated for both your insurances and your hub twenty four account.","start_word":4744,"end_word":4823,"sentiment":"neutral","sentiment_score":0.17884742394089698},{"text":"Perfect.","start_word":4824,"end_word":4824,"sentiment":"positive","sentiment_score":0.5480953454971313},{"text":"And then I will also let the insurance team know about your new bank account for the out of pocket Yep. trauma so we can get that sorted for you.","start_word":4825,"end_word":4854,"sentiment":"neutral","sentiment_score":0.15294036269187927},{"text":"Sounds good.","start_word":4855,"end_word":4856,"sentiment":"positive","sentiment_score":0.5208413600921631},{"text":"That that was basically everything that I needed to touch on today, Tanya. Do you have any other questions or need anything else from me before I let you go and get back to work otherwise? No. No. I'm That good.","start_word":4857,"end_word":4897,"sentiment":"neutral","sentiment_score":0.17829102277755737},{"text":"was all good.","start_word":4898,"end_word":4900,"sentiment":"positive","sentiment_score":0.415857195854187},{"text":"Yep.","start_word":4901,"end_word":4901,"sentiment":"neutral","sentiment_score":0.2717450261116028},{"text":"Perfect.","start_word":4902,"end_word":4902,"sentiment":"positive","sentiment_score":0.5003230571746826},{"text":"If you do think about anything or you need anything else, don't hesitate to give me a call or or send me an email, and we can always book you in for another catch up.","start_word":4903,"end_word":4937,"sentiment":"neutral","sentiment_score":0.22943198680877688},{"text":"Thanks, Veronica.","start_word":4938,"end_word":4939,"sentiment":"positive","sentiment_score":0.3824258744716644},{"text":"Mhmm.","start_word":4940,"end_word":4940,"sentiment":"neutral","sentiment_score":0.20274680852890015},{"text":"No problem at all. I hope you enjoy the the rest of your day. And, again, congratulations on your marriage. That's very exciting. Thank you.","start_word":4941,"end_word":4965,"sentiment":"positive","sentiment_score":0.6228645443916321},{"text":"See you. Mhmm. No worries. See you. Bye.","start_word":4966,"end_word":4973,"sentiment":"neutral","sentiment_score":0.15064525604248047}],"average":{"sentiment":"neutral","sentiment_score":0.10386614378719727}}}}