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Now I know we haven't spoken there before, Craig, so I'm one of the financial advisers here at Oakview Financial. Now I know you've been on board for a number of years there, so you're probably quite familiar with the process. I have beeped it out a little bit in terms of, like, the requirements and sort of gathering your details and just sort of amped it up a little bit there as well. So I will spend the first bit there going through updating some of your details there, your risk profile, and then I'll send you out some documents as well to sort of review the past twelve months and how things have traveled as well for you. Perfect. Now as far as your email, that's still craig.cameron85@gmail. Com? Perfect. And then your address says 45 Parkland Circuit? Brilliant. And I've got Amanda here as your next to Kin contact. Is that still correct? Amanda Cameron. I'll check your yeah. Same with your superannuation. So the beneficiary forms, yeah, need to be? Three times. I'll probably send you the fresh ones just in case they have updated the form since then and save you sort of having to fill it out twice. Do you have access to a printer, or do you wanna sort of have it just during the post? Okay. Perfect. I'll just give them to email the form, and then you can just scan them back there in regards to superannuation and the insurances. So that's good. Now as far as your occupation, I know that sort of since you came on board, you did change your occupation. I've just got you down as a systems engineer. Do you mind if I grab a little bit more information around what you're doing now? Yep. Yep. And as far because just working in the the rail there, are you in an office, like, a 100% of the time? Do you spend some time out, like, around the tracks and things like that in platforms? Yep. So a 100% in office space? Perfect. So not dealing with any sort of hazardous materials around the the railway tracks at all. Yep. Not a problem at all. And then as far as your employer name, are you with Queensland Rail at the moment? Yep. And then how long have you been doing that role there versus, like, industry industry experience? Sorry, if you don't mind me asking. Perfect. And how many hours per week at the moment do you reckon you're sort of doing? Perfect. And then do you know roughly sort of what your gross income is at the moment? Before tax is fine. Perfect. And do you get any sort of bonuses or anything like that? And do you know roughly what your expenditure and savings sort of looks like per week at the moment? Okay. Okay. Yep. And then is there a certain amount that you're putting it into a savings account at all, or is it all sort of just going into, like, your your offset? Or Yep. Yeah. No. That's perfectly fine. And do you have, like, a budget planner that you use at the moment, or you're kind of just going by the cedar pants at the moment? Yep. Would you like just a copy of, like, just Oakview's budget planner? It's just like an Excel spreadsheet that you can sort of plan out your budget a little bit better. Yep. Okay. Separate. Oh, okay. So what how much is going into the the savings account versus so for the kids, it is, like, a bit a bit under the hunt. Yep. Okay. Not a problem. Perfect. Let's get that all updated. And as far as, like, any salary sacrifice or anything like that, Craig, if you thought about that, is that something that you wanna potentially do in the future, or are you happy sort of at the moment just sorting things out before you think about that? Like, a novated lease through. Yeah. Yep. No. That's fine. No. Unfortunately not. And do you have an EBA with your current work at the moment? It's like an enterprise bargaining agreement, like a union type deal. Yep. No. That's fine. You can sort of just have them with your work as well, but the unions sort of the easiest way to explain it because people know exactly what the unions are. But it's basically just an agreement with your work for, you know, certain benefits and things like that as well. But if you don't sort of remember signing one, you probably don't have one. Yep. Yep. Perfect. And then I'll just get some updated assets liabilities for the splits of everything. So at the moment, the house is worth around 1.1. Is that sort of similar to what you reckon it is now? Yep. And then with regards to the mortgage remaining on that one, do you know roughly how much is left on that one? $4.13. And I know you had a redraw on that as well. Do you have a redraw facility on that as well, or is that just all in through the offsets now? Yep. Okay. Not a problem. And then how what's the split at the moment? Not that it matters that they're both sorta variable, but Yep. And then with that, do you sort of plan on speaking to a mortgage broker to, like, discuss, like, refinancing and things like that as well? Yep. No. That's yeah. Not a problem. You do have access to the mortgage brokers here at OQ two. There's like, an in house and then also a couple trusted partners. If you ever did wanna sort of take an opinion from your own mortgage broker or if you don't have someone, you can always reach out. Yep. Yep. Yep. Yeah. It considering that they just raised the the rate as well, it's probably not looking like they probably would be able to sort of do much better anyway. But it's always sort of worth the discussion at some point as well when you do wanna have a chat about it. So that's all in fine given that you oh, sorry. Yep. Okay. Not a problem. Yep. Yeah. Not a problem. With that too, if you sorta by having the child accounts there as well, if you feel like you're not sorta getting, you know, a good rate of having those there just sitting there, there is options to do, like, investment bonds and things for your kids as well to be able to, you know, have that money invested slightly more aggressively given, you know, the time until they probably need it because I do have it here sort of thinking more sort of college, university sort of funding less so, you know, car at the age of 16 type deal. So it's quite a number of years that you've got that you can sort of have that money invested even if it is sort of just moderately invested as opposed to just, like, offsetting the the mortgage and just sort of building up as you put money in, if that makes sense. Basically, yeah. But that's obviously up to you and sort of because at the moment, you're obviously offsetting the 5.4% interest rate, which means that it lowers your mortgage quite a bit in terms of the repayments you have to make. But if you ever sort of, you know, paid down the mortgage off and then sort of just sitting cash in the bank and you are just getting interest on that as well, given that the interest rate would be lower than what you're paying off the the mortgage there, you can look to a different sort of investment. Even if it is quite conservative, it might be better, and it's a bit more tax effective with those investment bonds. If you hold them for a ten year period, the distributions become tax free because you're essentially getting taxed at a a company tax rate as opposed to, like, an individual tax rate and individual tax rate if you put the investment in, like, your kid's name or a kid's bank account with their name on it. When it starts earning interest and things like that, they can get taxed a bit more. Yeah. But all things to think about. If you're happy having it the way it is at the moment, there's nothing wrong with that as well. Yep. Not a problem. And as far as the offset amounts that you've got, so the cash in the the bank one, how much is that roughly sitting at at the moment? Yeah. 52. Perfect. And then as far as, like, the other general spending one you do have, what was that one sort of sitting at? Yeah. Yep. And then with regards to the child's offsets, how much have you got in each one of those? Perfect. And I have a car here that was worth around 30 with 20 owing. Do you know roughly what's left on that one? Perfect. And as far as anything you're sort of trying to achieve in regards to, like, your your savings or anything like that, is there anything else apart from, like, paying down the mortgage and building up those accounts that you're sort trying to achieve with that? Yep. Yep. Perfect. And as far as any other goals that you're trying to achieve at the moment, I know sort of with your kid being quite young than the newer one, you're mainly focused on that. But moving forward, now that they've grown up a little bit, is there anything else sort of shorter term that you're focused on? Are you sort of thinking, like, investment property down the future? Are you sort of just happy paying down the debt, renovating the house, and just focus on your your savings? Yep. Okay. And as far as that, is there any sort of other shorter term goals that you're looking to do at the moment? Yep. Largely, yeah, pretty happy with how you're sort of tracking and everything that's going on. That's fine. Yeah. And I completely understand. Yep. Not a problem. And I also have here that you do have a share portfolio in your partner's name. Do you still have that portfolio? Yep. Yep. Not a problem. And then so you've answered these questions previously as well. These are a few odd ones and just because it's like, obviously, I said the the new process there, but you've never declared bankruptcy previously before, have you? And you're not a tax resident for any other jurisdiction at the moment? Okay. Not a problem. And then as far as being politically exposed, you're not involved in any politics or any family in politics? Okay. Not a problem. And as far as the health's been going, no unexpected hospital trips or anything like that that since we sort of last spoke? No medications, injuries? Okay. No problem. And as far as yourself, sir? Yep. Not taking any medications currently? And I know it's a bit personal, but do you mind me asking what that is currently? If you don't feel like you wanna disclose it. Okay. And it but it's not Crohn's or anything like that? Yeah. Yeah. And then within regards to that one, that doesn't predate your income protection cover, does it? That these come after you got your insurances with us? I'll just check the exact date. Bear with me. Back in 2020 is when this policy started. So was the diagnosis after that? No. That should be fine. Because you do have a loading on your as I said, because we haven't sort of spoken before. It doesn't specifically list because of the age of the the policy what the loading was for. It could be for the fact that you had IVD back then, and that's why you have a 75% loading on your cover. But I'd have to try and find and redownload the the application summary to see what was disclosed, but that's fine. We can also just yep. Okay. Not a problem. We can always revisit that and have a look at that. Worst case scenario, it's just something we'd disclose to the insurer. You do have the loading there, and it doesn't specifically state why. So I'd say it's there to say from the conditions that you did disclose. Now, obviously, you know, as you get older too, you end the policy to get older, your insurance gets more expensive, so you can, like, review and go to market again. Obviously, when you do have this sort of set diagnosis as well, those might be loadings or exclusions moving forward. It's just something to be aware of. But I'll go over the cover amounts in a bit here and sort of have a discussion with you and see if you're still comfortable with those. But at the moment there, Craig, do you have private health cover? Right. And then as far as a will being put in place, I don't have a note of you having one of you managed to get around to setting one up. Okay. Not a problem. What I can do there for you is I can send through to some general information from a local solicitor if you'd like to have a look at sort of some general pricing. Obviously, you know, you probably choose to to go with someone else, but it just can be a little bit of information for you to have. No problem. As I said, they're a completely different service. So whether you go with them or not, it's my skin off my back. But as far as anything else I haven't sort of discussed there, Craig, that you feel that might be important, is there anything that you sort of I didn't touch on that you wanna have a chat about? Or Yeah. Yep. Yep. Okay. Not a problem. Yeah. So the next part there is we'll just quickly jump into a risk profile just to show you it sort of gauged your risk tolerance from when you sort of last had one done. So I'll just go through these questions here, but I know you have, even through your wife, had direct shares there previously, so that's fine. And then as far as inflation is concerned, are you still willing to take on a higher amount of risk to try and outpace inflation and, like, have a bit of a higher risk reward ratio? Yep. Yep. Yep. Do you say a more risky approach? Or Is okay. Not a problem. Yeah. Because we thought we'll go over the performance here in a second and what did occur there for you and explain sort of why what happened there as well for you. But in regards to sort of your portfolio and if you sort of were to make a change for it and it still did decrease by, like, 20% in the next six months just due to what's happening in the market currently with, like, the wars and things like that, Would that make you wanna sort of shift to more secure asset, or are you happy sort of, you know, still investing moderately for growth and trying to get that longer term sort of time horizon going and sort of aiming the long term and not so much the short term? Yep. Perfect. And then as far as when you super has taken a bit of a dive sort of, you know, obviously this year and, you know, previous years, like, potentially COVID if you were looking at it, Did that make you quite concerned at all? Or Yep. Yeah. Since inception, yeah, it is up since, like, your inception of being onboard. Obviously, the last sort of year sort of wiped a bit of that off in terms of, like, a dollar figure. I'll cover the performance after this last question here. But then in regards to borrowed money there, would you like you said, you'd borrow for investment property. Would you ever borrowed for, like, a share portfolio in the future if sort of circumstances were a little bit different or if you did have, like, the available funds? Yep. No. And be sort of confident in your investments. That's fine. That still does bring you out to a high growth investment investor there. So it's around that ninety ten split of around 90¢ growth assets and about 10% more to defensive assets. Now that is currently what you are in within your Netwealth account, and I will send you out this as well. So bear with me. It'll just have all your documents for you and your review here. And it'll just be going to that craig.cameron85@gmail.com, and then you'll have that to be able to have a look at it. So that should be with you there shortly. Now as I said, it has been a bit of a a rough year in terms of, like, the performance that did occur within your portfolio, and that's not just the war. So once you get that form up in front of you there, it will show you individual underlying investments. Now as a result of, obviously, the war in Iran, it has had a bit of an impact on Super overall, not just yourself, but everyone. Now back, obviously, five to six years ago when you originally came on board, I can't sort of pertain to, like, the conversations you did have, but you did have a larger portion into an actively managed fund. I don't know if you remember sort of back that far in the discussions you have with the adviser there in regards to that. But Bennelong yeah. Bennelong was like a yeah. Okay. Bennelong was like an actively managed Australian equities. And then previously, you know, after the flight was tracking really quite well. Unfortunately, at the end of last year, they did have an underlying investment that was done for not reporting correctly, which caused them to take it down with Skid in terms having to reevaluate that, not only that stock, but people sort of, you know, reevaluating Bennelong and sort of how they wanna be in Bennelong or not. And then also the war did hit at the same time, so a bit of a double whammy. As far as the the rest wait. It's an Australian managed fund. So in index is where they basically track the markets in a managed fund. It's up to the fund manager to the investments to be able to sort of try and outperform the market. You do pay a little bit more for those managed funds to try and outperform the market. Now, unfortunately, with what did happen, because you had such a higher weighting, like, of that 30% in it, it did cause the the downward skew of your portfolio for the year. It was around 3.5% down, which, you know, in the grand scheme of things isn't like a huge drop overall in terms of, like, your balance. It's obviously not ideal. But in saying that, like, the rest of your portfolio did somewhat prop it up. The only other thing that did have a bit of a bad deal was cybersecurity, and that's because all the AI and everything at the start of this year also did take a bit of a dip. Now the the options with those, we can obviously refresh the portfolio and have a look and review your your account, the platform, and the investments there just to ensure that moving forward, obviously, 30% is quite a high way to have in any sort of managed fund. We can still look to keep some active management there for you if you do still want the ability to try and outperform the market and have that little bit more risk like you were saying. But with that, we can look to adjust it a little bit to balance it a little bit more across sort of some active management and those passive sort of lower cost investments as well to hopefully, you know, put you in a better position moving forward for the next sort of five to to ten years. Yep. Yep. Perfect. Because with that one there, obviously, we're not just gonna go in and make the changes. We do have to put in a statement of advice, so it will probably take a few weeks for you there. We'll do the research. We'll put it together. You'll be able to have a chance to review it and have a look at the changes and make sure you're happy with it. And if you were, you'd sign the document, and then we'd look at updating that investment for you. Now as far as your insurances are concerned there as well, you do have, as I said before, life income protection and total permanent disability. Now in regards to the life and TPD there, you do have around 870,000, a little bit over, which is sort of more than enough to cover your current debts, some income replacement after the fact. Maybe not as much income replacement given that you're on such a high income, but definitely more than just covering debts. And then in regards to your income replacement, now, generally, you can cover for up to 70% of your current income. Now with your pay increase since you had the policy there, you're only covered for a monthly benefit around 7,000, where 70% of your current income is sitting around the 10,700 or 10,800 more so if you're rounding up in regards to a monthly benefit in the event anything did happen. Now you you still have to pay tax. So it you you can only ever cover up to 70% of your current income. And back, obviously, when you took out the policy, your income was quite a bit less, so you chose to go with a little bit less. And then you'd This is pretax dollars. Sorry. So obviously, we've yes, sir. Because within regards to the income protection payments, the monthly benefits still has tax applied to that. You don't just get that as, like, a tax free payment. Yeah. So the numbers are, yeah, pretax. So in saying that, like, income protection is the more costly insurance, But with that as well, because the age of your policy, it has obviously crept up a bit in terms of, like, the price you do pay with the loading as well. Given it's a 2020 policy, some of the income protection policies back then are a little bit more comprehensive than newer ones. But sometimes the features lost in gain can be sort of worth rewriting. To have a look at insurances and rewriting insurances, then we would have to do, like, a pre assessment to be able to assess your current sort of health, everything, you know, the preexisting conditions and sort of family and a bit more about your occupation to be able to do that. Is that something you wanna undertake at the moment, or are you happy with the cover that you hold currently and it would satisfy your needs if anything did happen? Yep. So would you be happy retaining what the current cover you have, or is that something you want to do that sort of pre assessment process with us and revisit that as well at this time? Yep. Next year? Yep. As I said, like, as you do, like, hold a policy, unfortunately, it's not like a, you know, member's discount. It actually cumulatively kinda goes up on a bit of a curve that your premiums do sort of jump up a little bit more aggressively each year. So, generally, around a bit after the five year mark anyway or three to five years depending on what the policy is doing, you do potentially look at rerunning it. As I said, given that your IP policy is a little bit older, it might have some benefits you might be foregoing with an update. And then it just depends, like, on health sort of diagnosis, things like that that how they might rate cover. Given that you do have the 75% loading currently, I'm assuming, yeah, you probably did disclose some sort of thing in regards to the condition you do hold. But in saying that if it's already sort of listed on this policy as a loading, it's likely to just be one on the the new one anyway, so that doesn't make much of a difference in regards to that. Happy to move a note here just revisit it next year. The only other insurance that you don't have currently and you should be aware of is trauma cover. Now trauma cover is like an out of pocket lump sum cover similar to, like, how TPD works, but it has to be paid out of pocket. And the one thing it sort of does is it covers for traumatic events like heart attacks, strokes, those sort of traumatic injuries where you may not be totally permanently disabled. You may not be off work for, like, your thirty days for an income protection policy. But if you get, like, a a cancer diagnosis, things like that, sometimes you might wanna take some work off. You might wanna be able to, you know, afford some some more medication travel for treatments, things like that as well, which is a cover that you don't hold, but it is an option in the future as well, which is something you should be just aware of. It's a bit of a refresh. Yep. Yep. Yeah. And, look, we're always more than happy to just give you the general pricing and put in the recommendation. The worst thing you do is say, no. You don't want it at the end of the day as well. So I'll make a note of that, put it here. You just wanna review all parts of cover next year and just reassess based on your your needs. By then as well, you might be thinking about investment properties, things like that, and due debt might change slightly depending on how you structure your loan, which is something you probably should be looking at your insurance cover anyway at those stages. That and just the income increase there as well. There is the option to look at sort of life increases as well, but given that your income's jumped up so significantly, it can only do up to a max 15% of your your current amount, which wouldn't really do much in terms of, like, reaching what you're currently at as opposed to rewriting the cover. Yeah. Worst comes to worst, if anything did come out of it, we can just look doing some form of top ups and things like that as well. But as far as because did you get the forms come through in that email there, Craig? That's perfectly fine. I'll just run through the forms that are there for you, and I'll shoot you an email with that that budget planner, I believe. I'll get my colleague to send out the beneficiary forms when she gets a a chance there for you. But in regards to documents that will be in that, so the signable ones, there would be the ongoing service agreement if you are happy to stay on board as a client and are happy to have the service for the next twelve months. The next one after that would be tax file opt in form, just where we store your tax file number. It's just been changed for, you know, compliance purposes. They've just updated the form. So that's where we store your tax file number and has been updated that needs to be signed. So you're still happy for that. And then with the attachments, you have a Vanguard index chart, show you sort of the ups and downs in the market. Then it is a 2025 copy there, so, unfortunately, you won't get the the war on that on the end of that, but you'll be able to see, you know, COVID dip. You'll be able to see out recovered from that. You'll be able to see the tariff talk within regards to Trump and everything as well and how the markets have sort of fed since that to just sort of give you a highlight of how markets do behave over time. You do have that twelve month performance, as I said, not too fantastic. It's only the two funds that caused that, though, and it's mainly due to your high waiting in that managed fund, which we'll look to sort of adjust there moving forward. You'll have a COC for the NEOS policy as well. We have a little summary of your super insurance, and then you'll have the utmost up to date financial service and OQ services guide if you did wanna review that with the business changes and everything. And are you currently receiving the the email updates there as well with everything that has been changing, Craig? Are you part of the each month, they send out a bit of an a newsletter from Oakview. Yes. So each month, you do get just an email update on sort of business changes, things that are changing there as well just to be able to review that and make sure that if anything is occurring, you're sort of aware of it that is changing with the business because as I said, there has been a few quite a few changes there for you. In regards to that as well, I just wanna double check your partner. She's not a client with us at the moment, is she there, Craig? Yeah. Okay. That's that's fine. I'll just ask because they do currently have a coupling fee going on, and with the change in CRMs that we're using, it's some of the linkings and stuff didn't come across. So if your partner is on board, it does drop the fees down to 1.1% at the moment, which is fantastic. If she's happy doing her own thing, that's more than fine. But, also, if you do refer people on, they do have the referral program still running. So if you're talking to colleagues, friends, family, things like that, and do refer Oakview as a, you know, trusted partner there that you're happy to refer us onto if they did come on board through your referral. You get a $100 gift card at the moment. So if you are putting the name out there and having conversations with people, make sure they say you're you're the one that sent them. Just you might get a bit of free money out of it. Not a problem. Is there anything else that you want to have a chat with me about, Craig, in regards to the superannuation, how that did perform, the you know, anything else that we covered that you wanted to have a bit more conversation about? Yep. If you're happy with everything. Correct? Yep. I think you covered it pretty well. So yeah. No. That's fine. Yeah. As I said, it was a bit of a double whammy with that underlying performance of that asset in the fund and then the world events that is occurring. And it was just a bit unfortunate that the one asset that wasn't really performing too fantastic in the portfolio is the one that you're most heavily weighted in there. So we'll look at adjusting that and sort of moving that forward to where if something like that does happen, you don't have such an aggressive sort of weighting towards one particular thing that is a managed fund that does carry that sort of financial risk. No problem, Craig. Well, if you don't have anything for me there, I'll let you get back to your morning. I'm probably taking up enough time here already. But if you do have any questions, feel free to respond to that email or give us call with any of those documents once you do have a chance to go through a little look through them. Obviously, if you're happy to stay on board for another twelve months, that's ongoing service agreement to that and then the expected fee within regards to that for the twelve month period. It is a non locking contract too, so at any point you did feel like you're not getting the most out of the service, you don't feel like you have to be trapped as well, just for a bit of peace of mind. But, otherwise, I'll leave you to those documents that I review on your own time, Craig, and I'm sure we'll be talking soon. No problem at all, Craig. Thanks for your time. Bye 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morning, Craig. Thanks for returning my call there. Yeah. No. That's that's perfectly fine.\n\nAnd now's still a good time for you? Okay. Not a problem at all. Now I know we haven't spoken there before, Craig, so I'm one of the financial advisers here at Oakview Financial. Now I know you've been on board for a number of years there, so you're probably quite familiar with the process.\n\nI have beeped it out a little bit in terms of, like, the requirements and sort of gathering your details and just sort of amped it up a little bit there as well. So I will spend the first bit there going through updating some of your details there, your risk profile, and then I'll send you out some documents as well to sort of review the past twelve months and how things have traveled as well for you. Perfect. Now as far as your email, that's still craig.cameron85@gmail. Com?\n\nPerfect. And then your address says 45 Parkland Circuit? Brilliant. And I've got Amanda here as your next to Kin contact. Is that still correct?\n\nAmanda Cameron. I'll check your yeah. Same with your superannuation. So the beneficiary forms, yeah, need to be? Three times.\n\nI'll probably send you the fresh ones just in case they have updated the form since then and save you sort of having to fill it out twice. Do you have access to a printer, or do you wanna sort of have it just during the post? Okay. Perfect. I'll just give them to email the form, and then you can just scan them back there in regards to superannuation and the insurances.\n\nSo that's good. Now as far as your occupation, I know that sort of since you came on board, you did change your occupation. I've just got you down as a systems engineer. Do you mind if I grab a little bit more information around what you're doing now? Yep.\n\nYep. And as far because just working in the the rail there, are you in an office, like, a 100% of the time? Do you spend some time out, like, around the tracks and things like that in platforms? Yep. So a 100% in office space?\n\nPerfect. So not dealing with any sort of hazardous materials around the the railway tracks at all. Yep. Not a problem at all. And then as far as your employer name, are you with Queensland Rail at the moment?\n\nYep. And then how long have you been doing that role there versus, like, industry industry experience? Sorry, if you don't mind me asking. Perfect. And how many hours per week at the moment do you reckon you're sort of doing?\n\nPerfect. And then do you know roughly sort of what your gross income is at the moment? Before tax is fine. Perfect. And do you get any sort of bonuses or anything like that?\n\nAnd do you know roughly what your expenditure and savings sort of looks like per week at the moment? Okay. Okay. Yep. And then is there a certain amount that you're putting it into a savings account at all, or is it all sort of just going into, like, your your offset?\n\nOr Yep. Yeah. No. That's perfectly fine. And do you have, like, a budget planner that you use at the moment, or you're kind of just going by the cedar pants at the moment?\n\nYep. Would you like just a copy of, like, just Oakview's budget planner? It's just like an Excel spreadsheet that you can sort of plan out your budget a little bit better. Yep. Okay.\n\nSeparate. Oh, okay. So what how much is going into the the savings account versus so for the kids, it is, like, a bit a bit under the hunt. Yep. Okay.\n\nNot a problem. Perfect. Let's get that all updated. And as far as, like, any salary sacrifice or anything like that, Craig, if you thought about that, is that something that you wanna potentially do in the future, or are you happy sort of at the moment just sorting things out before you think about that? Like, a novated lease through.\n\nYeah. Yep. No. That's fine. No.\n\nUnfortunately not. And do you have an EBA with your current work at the moment? It's like an enterprise bargaining agreement, like a union type deal. Yep. No.\n\nThat's fine. You can sort of just have them with your work as well, but the unions sort of the easiest way to explain it because people know exactly what the unions are. But it's basically just an agreement with your work for, you know, certain benefits and things like that as well. But if you don't sort of remember signing one, you probably don't have one. Yep.\n\nYep. Perfect. And then I'll just get some updated assets liabilities for the splits of everything. So at the moment, the house is worth around 1.1. Is that sort of similar to what you reckon it is now?\n\nYep. And then with regards to the mortgage remaining on that one, do you know roughly how much is left on that one? $4.13. And I know you had a redraw on that as well. Do you have a redraw facility on that as well, or is that just all in through the offsets now?\n\nYep. Okay. Not a problem. And then how what's the split at the moment? Not that it matters that they're both sorta variable, but Yep.\n\nAnd then with that, do you sort of plan on speaking to a mortgage broker to, like, discuss, like, refinancing and things like that as well? Yep. No. That's yeah. Not a problem.\n\nYou do have access to the mortgage brokers here at OQ two. There's like, an in house and then also a couple trusted partners. If you ever did wanna sort of take an opinion from your own mortgage broker or if you don't have someone, you can always reach out. Yep. Yep.\n\nYep. Yeah. It considering that they just raised the the rate as well, it's probably not looking like they probably would be able to sort of do much better anyway. But it's always sort of worth the discussion at some point as well when you do wanna have a chat about it. So that's all in fine given that you oh, sorry.\n\nYep. Okay. Not a problem. Yep. Yeah.\n\nNot a problem. With that too, if you sorta by having the child accounts there as well, if you feel like you're not sorta getting, you know, a good rate of having those there just sitting there, there is options to do, like, investment bonds and things for your kids as well to be able to, you know, have that money invested slightly more aggressively given, you know, the time until they probably need it because I do have it here sort of thinking more sort of college, university sort of funding less so, you know, car at the age of 16 type deal. So it's quite a number of years that you've got that you can sort of have that money invested even if it is sort of just moderately invested as opposed to just, like, offsetting the the mortgage and just sort of building up as you put money in, if that makes sense. Basically, yeah. But that's obviously up to you and sort of because at the moment, you're obviously offsetting the 5.4% interest rate, which means that it lowers your mortgage quite a bit in terms of the repayments you have to make.\n\nBut if you ever sort of, you know, paid down the mortgage off and then sort of just sitting cash in the bank and you are just getting interest on that as well, given that the interest rate would be lower than what you're paying off the the mortgage there, you can look to a different sort of investment. Even if it is quite conservative, it might be better, and it's a bit more tax effective with those investment bonds. If you hold them for a ten year period, the distributions become tax free because you're essentially getting taxed at a a company tax rate as opposed to, like, an individual tax rate and individual tax rate if you put the investment in, like, your kid's name or a kid's bank account with their name on it. When it starts earning interest and things like that, they can get taxed a bit more. Yeah.\n\nBut all things to think about. If you're happy having it the way it is at the moment, there's nothing wrong with that as well. Yep. Not a problem. And as far as the offset amounts that you've got, so the cash in the the bank one, how much is that roughly sitting at at the moment?\n\nYeah. 52. Perfect. And then as far as, like, the other general spending one you do have, what was that one sort of sitting at? Yeah.\n\nYep. And then with regards to the child's offsets, how much have you got in each one of those? Perfect. And I have a car here that was worth around 30 with 20 owing. Do you know roughly what's left on that one?\n\nPerfect. And as far as anything you're sort of trying to achieve in regards to, like, your your savings or anything like that, is there anything else apart from, like, paying down the mortgage and building up those accounts that you're sort trying to achieve with that? Yep. Yep. Perfect.\n\nAnd as far as any other goals that you're trying to achieve at the moment, I know sort of with your kid being quite young than the newer one, you're mainly focused on that. But moving forward, now that they've grown up a little bit, is there anything else sort of shorter term that you're focused on? Are you sort of thinking, like, investment property down the future? Are you sort of just happy paying down the debt, renovating the house, and just focus on your your savings? Yep.\n\nOkay. And as far as that, is there any sort of other shorter term goals that you're looking to do at the moment? Yep. Largely, yeah, pretty happy with how you're sort of tracking and everything that's going on. That's fine.\n\nYeah. And I completely understand. Yep. Not a problem. And I also have here that you do have a share portfolio in your partner's name.\n\nDo you still have that portfolio? Yep. Yep. Not a problem. And then so you've answered these questions previously as well.\n\nThese are a few odd ones and just because it's like, obviously, I said the the new process there, but you've never declared bankruptcy previously before, have you? And you're not a tax resident for any other jurisdiction at the moment? Okay. Not a problem. And then as far as being politically exposed, you're not involved in any politics or any family in politics?\n\nOkay. Not a problem. And as far as the health's been going, no unexpected hospital trips or anything like that that since we sort of last spoke? No medications, injuries? Okay.\n\nNo problem. And as far as yourself, sir? Yep. Not taking any medications currently? And I know it's a bit personal, but do you mind me asking what that is currently?\n\nIf you don't feel like you wanna disclose it. Okay. And it but it's not Crohn's or anything like that? Yeah. Yeah.\n\nAnd then within regards to that one, that doesn't predate your income protection cover, does it? That these come after you got your insurances with us? I'll just check the exact date. Bear with me. Back in 2020 is when this policy started.\n\nSo was the diagnosis after that? No. That should be fine. Because you do have a loading on your as I said, because we haven't sort of spoken before. It doesn't specifically list because of the age of the the policy what the loading was for.\n\nIt could be for the fact that you had IVD back then, and that's why you have a 75% loading on your cover. But I'd have to try and find and redownload the the application summary to see what was disclosed, but that's fine. We can also just yep. Okay. Not a problem.\n\nWe can always revisit that and have a look at that. Worst case scenario, it's just something we'd disclose to the insurer. You do have the loading there, and it doesn't specifically state why. So I'd say it's there to say from the conditions that you did disclose. Now, obviously, you know, as you get older too, you end the policy to get older, your insurance gets more expensive, so you can, like, review and go to market again.\n\nObviously, when you do have this sort of set diagnosis as well, those might be loadings or exclusions moving forward. It's just something to be aware of. But I'll go over the cover amounts in a bit here and sort of have a discussion with you and see if you're still comfortable with those. But at the moment there, Craig, do you have private health cover? Right.\n\nAnd then as far as a will being put in place, I don't have a note of you having one of you managed to get around to setting one up. Okay. Not a problem. What I can do there for you is I can send through to some general information from a local solicitor if you'd like to have a look at sort of some general pricing. Obviously, you know, you probably choose to to go with someone else, but it just can be a little bit of information for you to have.\n\nNo problem. As I said, they're a completely different service. So whether you go with them or not, it's my skin off my back. But as far as anything else I haven't sort of discussed there, Craig, that you feel that might be important, is there anything that you sort of I didn't touch on that you wanna have a chat about? Or Yeah.\n\nYep. Yep. Okay. Not a problem. Yeah.\n\nSo the next part there is we'll just quickly jump into a risk profile just to show you it sort of gauged your risk tolerance from when you sort of last had one done. So I'll just go through these questions here, but I know you have, even through your wife, had direct shares there previously, so that's fine. And then as far as inflation is concerned, are you still willing to take on a higher amount of risk to try and outpace inflation and, like, have a bit of a higher risk reward ratio? Yep. Yep.\n\nYep. Do you say a more risky approach? Or Is okay. Not a problem. Yeah.\n\nBecause we thought we'll go over the performance here in a second and what did occur there for you and explain sort of why what happened there as well for you. But in regards to sort of your portfolio and if you sort of were to make a change for it and it still did decrease by, like, 20% in the next six months just due to what's happening in the market currently with, like, the wars and things like that, Would that make you wanna sort of shift to more secure asset, or are you happy sort of, you know, still investing moderately for growth and trying to get that longer term sort of time horizon going and sort of aiming the long term and not so much the short term? Yep. Perfect. And then as far as when you super has taken a bit of a dive sort of, you know, obviously this year and, you know, previous years, like, potentially COVID if you were looking at it, Did that make you quite concerned at all?\n\nOr Yep. Yeah. Since inception, yeah, it is up since, like, your inception of being onboard. Obviously, the last sort of year sort of wiped a bit of that off in terms of, like, a dollar figure. I'll cover the performance after this last question here.\n\nBut then in regards to borrowed money there, would you like you said, you'd borrow for investment property. Would you ever borrowed for, like, a share portfolio in the future if sort of circumstances were a little bit different or if you did have, like, the available funds? Yep. No. And be sort of confident in your investments.\n\nThat's fine. That still does bring you out to a high growth investment investor there. So it's around that ninety ten split of around 90¢ growth assets and about 10% more to defensive assets. Now that is currently what you are in within your Netwealth account, and I will send you out this as well. So bear with me.\n\nIt'll just have all your documents for you and your review here. And it'll just be going to that craig.cameron85@gmail.com, and then you'll have that to be able to have a look at it. So that should be with you there shortly. Now as I said, it has been a bit of a a rough year in terms of, like, the performance that did occur within your portfolio, and that's not just the war. So once you get that form up in front of you there, it will show you individual underlying investments.\n\nNow as a result of, obviously, the war in Iran, it has had a bit of an impact on Super overall, not just yourself, but everyone. Now back, obviously, five to six years ago when you originally came on board, I can't sort of pertain to, like, the conversations you did have, but you did have a larger portion into an actively managed fund. I don't know if you remember sort of back that far in the discussions you have with the adviser there in regards to that. But Bennelong yeah. Bennelong was like a yeah.\n\nOkay. Bennelong was like an actively managed Australian equities. And then previously, you know, after the flight was tracking really quite well. Unfortunately, at the end of last year, they did have an underlying investment that was done for not reporting correctly, which caused them to take it down with Skid in terms having to reevaluate that, not only that stock, but people sort of, you know, reevaluating Bennelong and sort of how they wanna be in Bennelong or not. And then also the war did hit at the same time, so a bit of a double whammy.\n\nAs far as the the rest wait. It's an Australian managed fund. So in index is where they basically track the markets in a managed fund. It's up to the fund manager to the investments to be able to sort of try and outperform the market. You do pay a little bit more for those managed funds to try and outperform the market.\n\nNow, unfortunately, with what did happen, because you had such a higher weighting, like, of that 30% in it, it did cause the the downward skew of your portfolio for the year. It was around 3.5% down, which, you know, in the grand scheme of things isn't like a huge drop overall in terms of, like, your balance. It's obviously not ideal. But in saying that, like, the rest of your portfolio did somewhat prop it up. The only other thing that did have a bit of a bad deal was cybersecurity, and that's because all the AI and everything at the start of this year also did take a bit of a dip.\n\nNow the the options with those, we can obviously refresh the portfolio and have a look and review your your account, the platform, and the investments there just to ensure that moving forward, obviously, 30% is quite a high way to have in any sort of managed fund. We can still look to keep some active management there for you if you do still want the ability to try and outperform the market and have that little bit more risk like you were saying. But with that, we can look to adjust it a little bit to balance it a little bit more across sort of some active management and those passive sort of lower cost investments as well to hopefully, you know, put you in a better position moving forward for the next sort of five to to ten years. Yep. Yep.\n\nPerfect. Because with that one there, obviously, we're not just gonna go in and make the changes. We do have to put in a statement of advice, so it will probably take a few weeks for you there. We'll do the research. We'll put it together.\n\nYou'll be able to have a chance to review it and have a look at the changes and make sure you're happy with it. And if you were, you'd sign the document, and then we'd look at updating that investment for you. Now as far as your insurances are concerned there as well, you do have, as I said before, life income protection and total permanent disability. Now in regards to the life and TPD there, you do have around 870,000, a little bit over, which is sort of more than enough to cover your current debts, some income replacement after the fact. Maybe not as much income replacement given that you're on such a high income, but definitely more than just covering debts.\n\nAnd then in regards to your income replacement, now, generally, you can cover for up to 70% of your current income. Now with your pay increase since you had the policy there, you're only covered for a monthly benefit around 7,000, where 70% of your current income is sitting around the 10,700 or 10,800 more so if you're rounding up in regards to a monthly benefit in the event anything did happen. Now you you still have to pay tax. So it you you can only ever cover up to 70% of your current income. And back, obviously, when you took out the policy, your income was quite a bit less, so you chose to go with a little bit less.\n\nAnd then you'd This is pretax dollars. Sorry. So obviously, we've yes, sir. Because within regards to the income protection payments, the monthly benefits still has tax applied to that. You don't just get that as, like, a tax free payment.\n\nYeah. So the numbers are, yeah, pretax. So in saying that, like, income protection is the more costly insurance, But with that as well, because the age of your policy, it has obviously crept up a bit in terms of, like, the price you do pay with the loading as well. Given it's a 2020 policy, some of the income protection policies back then are a little bit more comprehensive than newer ones. But sometimes the features lost in gain can be sort of worth rewriting.\n\nTo have a look at insurances and rewriting insurances, then we would have to do, like, a pre assessment to be able to assess your current sort of health, everything, you know, the preexisting conditions and sort of family and a bit more about your occupation to be able to do that. Is that something you wanna undertake at the moment, or are you happy with the cover that you hold currently and it would satisfy your needs if anything did happen? Yep. So would you be happy retaining what the current cover you have, or is that something you want to do that sort of pre assessment process with us and revisit that as well at this time? Yep.\n\nNext year? Yep. As I said, like, as you do, like, hold a policy, unfortunately, it's not like a, you know, member's discount. It actually cumulatively kinda goes up on a bit of a curve that your premiums do sort of jump up a little bit more aggressively each year. So, generally, around a bit after the five year mark anyway or three to five years depending on what the policy is doing, you do potentially look at rerunning it.\n\nAs I said, given that your IP policy is a little bit older, it might have some benefits you might be foregoing with an update. And then it just depends, like, on health sort of diagnosis, things like that that how they might rate cover. Given that you do have the 75% loading currently, I'm assuming, yeah, you probably did disclose some sort of thing in regards to the condition you do hold. But in saying that if it's already sort of listed on this policy as a loading, it's likely to just be one on the the new one anyway, so that doesn't make much of a difference in regards to that. Happy to move a note here just revisit it next year.\n\nThe only other insurance that you don't have currently and you should be aware of is trauma cover. Now trauma cover is like an out of pocket lump sum cover similar to, like, how TPD works, but it has to be paid out of pocket. And the one thing it sort of does is it covers for traumatic events like heart attacks, strokes, those sort of traumatic injuries where you may not be totally permanently disabled. You may not be off work for, like, your thirty days for an income protection policy. But if you get, like, a a cancer diagnosis, things like that, sometimes you might wanna take some work off.\n\nYou might wanna be able to, you know, afford some some more medication travel for treatments, things like that as well, which is a cover that you don't hold, but it is an option in the future as well, which is something you should be just aware of. It's a bit of a refresh. Yep. Yep. Yeah.\n\nAnd, look, we're always more than happy to just give you the general pricing and put in the recommendation. The worst thing you do is say, no. You don't want it at the end of the day as well. So I'll make a note of that, put it here. You just wanna review all parts of cover next year and just reassess based on your your needs.\n\nBy then as well, you might be thinking about investment properties, things like that, and due debt might change slightly depending on how you structure your loan, which is something you probably should be looking at your insurance cover anyway at those stages. That and just the income increase there as well. There is the option to look at sort of life increases as well, but given that your income's jumped up so significantly, it can only do up to a max 15% of your your current amount, which wouldn't really do much in terms of, like, reaching what you're currently at as opposed to rewriting the cover. Yeah. Worst comes to worst, if anything did come out of it, we can just look doing some form of top ups and things like that as well.\n\nBut as far as because did you get the forms come through in that email there, Craig? That's perfectly fine. I'll just run through the forms that are there for you, and I'll shoot you an email with that that budget planner, I believe. I'll get my colleague to send out the beneficiary forms when she gets a a chance there for you. But in regards to documents that will be in that, so the signable ones, there would be the ongoing service agreement if you are happy to stay on board as a client and are happy to have the service for the next twelve months.\n\nThe next one after that would be tax file opt in form, just where we store your tax file number. It's just been changed for, you know, compliance purposes. They've just updated the form. So that's where we store your tax file number and has been updated that needs to be signed. So you're still happy for that.\n\nAnd then with the attachments, you have a Vanguard index chart, show you sort of the ups and downs in the market. Then it is a 2025 copy there, so, unfortunately, you won't get the the war on that on the end of that, but you'll be able to see, you know, COVID dip. You'll be able to see out recovered from that. You'll be able to see the tariff talk within regards to Trump and everything as well and how the markets have sort of fed since that to just sort of give you a highlight of how markets do behave over time. You do have that twelve month performance, as I said, not too fantastic.\n\nIt's only the two funds that caused that, though, and it's mainly due to your high waiting in that managed fund, which we'll look to sort of adjust there moving forward. You'll have a COC for the NEOS policy as well. We have a little summary of your super insurance, and then you'll have the utmost up to date financial service and OQ services guide if you did wanna review that with the business changes and everything. And are you currently receiving the the email updates there as well with everything that has been changing, Craig? Are you part of the each month, they send out a bit of an a newsletter from Oakview.\n\nYes. So each month, you do get just an email update on sort of business changes, things that are changing there as well just to be able to review that and make sure that if anything is occurring, you're sort of aware of it that is changing with the business because as I said, there has been a few quite a few changes there for you. In regards to that as well, I just wanna double check your partner. She's not a client with us at the moment, is she there, Craig? Yeah.\n\nOkay. That's that's fine. I'll just ask because they do currently have a coupling fee going on, and with the change in CRMs that we're using, it's some of the linkings and stuff didn't come across. So if your partner is on board, it does drop the fees down to 1.1% at the moment, which is fantastic. If she's happy doing her own thing, that's more than fine.\n\nBut, also, if you do refer people on, they do have the referral program still running. So if you're talking to colleagues, friends, family, things like that, and do refer Oakview as a, you know, trusted partner there that you're happy to refer us onto if they did come on board through your referral. You get a $100 gift card at the moment. So if you are putting the name out there and having conversations with people, make sure they say you're you're the one that sent them. Just you might get a bit of free money out of it.\n\nNot a problem. Is there anything else that you want to have a chat with me about, Craig, in regards to the superannuation, how that did perform, the you know, anything else that we covered that you wanted to have a bit more conversation about? Yep. If you're happy with everything. Correct?\n\nYep. I think you covered it pretty well. So yeah. No. That's fine.\n\nYeah. As I said, it was a bit of a double whammy with that underlying performance of that asset in the fund and then the world events that is occurring. And it was just a bit unfortunate that the one asset that wasn't really performing too fantastic in the portfolio is the one that you're most heavily weighted in there. So we'll look at adjusting that and sort of moving that forward to where if something like that does happen, you don't have such an aggressive sort of weighting towards one particular thing that is a managed fund that does carry that sort of financial risk. No problem, Craig.\n\nWell, if you don't have anything for me there, I'll let you get back to your morning. I'm probably taking up enough time here already. But if you do have any questions, feel free to respond to that email or give us call with any of those documents once you do have a chance to go through a little look through them. Obviously, if you're happy to stay on board for another twelve months, that's ongoing service agreement to that and then the expected fee within regards to that for the twelve month period. It is a non locking contract too, so at any point you did feel like you're not getting the most out of the service, you don't feel like you have to be trapped as well, just for a bit of peace of mind.\n\nBut, otherwise, I'll leave you to those documents that I review on your own time, Craig, and I'm sure we'll be talking soon. No problem at all, Craig. Thanks for your time. Bye now.","paragraphs":[{"sentences":[{"text":"Good morning, Craig.","start":1.28,"end":2.1599998,"sentiment":"positive","sentiment_score":0.46966302394866943},{"text":"Thanks for returning my call there.","start":2.1599998,"end":3.78,"sentiment":"positive","sentiment_score":0.6532523930072784},{"text":"Yeah.","start":12.255,"end":12.495,"sentiment":"neutral","sentiment_score":0.04455042630434036},{"text":"No.","start":12.495,"end":12.655001,"sentiment":"neutral","sentiment_score":0.05724906921386719},{"text":"That's that's perfectly fine.","start":12.655001,"end":13.8550005,"sentiment":"positive","sentiment_score":0.3463995009660721}],"sentiment":"positive","sentiment_score":0.45439339528481165,"num_words":15,"start":1.28,"end":13.8550005},{"sentences":[{"text":"And now's still a good time for you?","start":13.8550005,"end":15.475,"sentiment":"positive","sentiment_score":0.37469515576958656},{"text":"Okay.","start":17.855,"end":18.175,"sentiment":"neutral","sentiment_score":0.18689489364624023},{"text":"Not a problem at all.","start":18.175,"end":19.475,"sentiment":"neutral","sentiment_score":0.2499724417924881},{"text":"Now I know we haven't spoken there before, Craig, so I'm one of the financial advisers here at Oakview Financial.","start":20.175,"end":25.075,"sentiment":"neutral","sentiment_score":0.10301206819713116},{"text":"Now I know you've been on board for a number of years there, so you're probably quite familiar with the process.","start":25.52,"end":30.560001,"sentiment":"neutral","sentiment_score":0.12015384932359059}],"sentiment":"neutral","sentiment_score":0.16395982815460725,"num_words":55,"start":13.8550005,"end":30.560001},{"sentences":[{"text":"I have beeped it out a little bit in terms of, like, the requirements and sort of gathering your details and just sort of amped it up a little bit there as well.","start":30.560001,"end":37.84,"sentiment":"neutral","sentiment_score":0.12064709559534535},{"text":"So I will spend the first bit there going through updating some of your details there, your risk profile, and then I'll send you out some documents as well to sort of review the past twelve months and how things have traveled as well for you.","start":37.84,"end":48.995,"sentiment":"neutral","sentiment_score":0.11997836528588897},{"text":"Perfect.","start":51.135002,"end":51.635002,"sentiment":"positive","sentiment_score":0.3672754764556885},{"text":"Now as far as your email, that's still craig.cameron85@gmail.","start":52.895,"end":57.05,"sentiment":"neutral","sentiment_score":0.09971939110093647},{"text":"Com?","start":60.07,"end":60.309998,"sentiment":"neutral","sentiment_score":0.08172250539064407}],"sentiment":"neutral","sentiment_score":0.12052034955057833,"num_words":90,"start":30.560001,"end":60.309998},{"sentences":[{"text":"Perfect.","start":60.309998,"end":60.809998,"sentiment":"neutral","sentiment_score":0.21518710255622864},{"text":"And then your address says 45 Parkland Circuit?","start":61.19,"end":64.09,"sentiment":"neutral","sentiment_score":0.06999666476622224},{"text":"Brilliant.","start":66.229996,"end":66.63,"sentiment":"positive","sentiment_score":0.4869358539581299},{"text":"And I've got Amanda here as your next to Kin contact.","start":66.63,"end":69.51,"sentiment":"neutral","sentiment_score":0.12460358102213252},{"text":"Is that still correct?","start":69.51,"end":70.57,"sentiment":"neutral","sentiment_score":0.09017358161509037}],"sentiment":"neutral","sentiment_score":0.11973719969391823,"num_words":25,"start":60.309998,"end":70.57},{"sentences":[{"text":"Amanda Cameron.","start":74.875,"end":75.855,"sentiment":"neutral","sentiment_score":0.018411788158118725},{"text":"I'll check your yeah.","start":78.235,"end":85.37,"sentiment":"neutral","sentiment_score":0.012837672606110573},{"text":"Same with your superannuation.","start":85.37,"end":86.75,"sentiment":"neutral","sentiment_score":0.01999832270666957},{"text":"So the beneficiary forms, yeah, need to be?","start":87.21,"end":89.39,"sentiment":"neutral","sentiment_score":0.017630396061576903},{"text":"Three times.","start":90.25,"end":91.07,"sentiment":"neutral","sentiment_score":-0.012203793041408062}],"sentiment":"neutral","sentiment_score":0.014240156998857856,"num_words":20,"start":74.875,"end":91.07},{"sentences":[{"text":"I'll probably send you the fresh ones just in case they have updated the form since then and save you sort of having to fill it out twice.","start":96.505,"end":102.285,"sentiment":"neutral","sentiment_score":0.11551019549369812},{"text":"Do you have access to a printer, or do you wanna sort of have it just during the post?","start":102.425,"end":105.965004,"sentiment":"neutral","sentiment_score":0.025170422796356052},{"text":"Okay.","start":110.04,"end":110.44,"sentiment":"neutral","sentiment_score":0.2946624159812927},{"text":"Perfect.","start":110.44,"end":110.76,"sentiment":"positive","sentiment_score":0.545391321182251},{"text":"I'll just give them to email the form, and then you can just scan them back there in regards to superannuation and the insurances.","start":110.76,"end":116.7,"sentiment":"neutral","sentiment_score":0.29142141342163086}],"sentiment":"neutral","sentiment_score":0.1581738515922876,"num_words":73,"start":96.505,"end":116.7},{"sentences":[{"text":"So that's good.","start":116.84,"end":117.82,"sentiment":"positive","sentiment_score":0.6616409023602804},{"text":"Now as far as your occupation, I know that sort of since you came on board, you did change your occupation.","start":119.175,"end":125.495,"sentiment":"neutral","sentiment_score":0.045487064513422194},{"text":"I've just got you down as a systems engineer.","start":125.495,"end":127.175,"sentiment":"neutral","sentiment_score":0.040081208364831075},{"text":"Do you mind if I grab a little bit more information around what you're doing now?","start":127.175,"end":130.555,"sentiment":"neutral","sentiment_score":0.023101917235180736},{"text":"Yep.","start":136.47,"end":136.97,"sentiment":"neutral","sentiment_score":0.05949042364954949}],"sentiment":"neutral","sentiment_score":0.07460006073117256,"num_words":50,"start":116.84,"end":136.97},{"sentences":[{"text":"Yep.","start":173.315,"end":173.63501,"sentiment":"neutral","sentiment_score":0.03371454030275345},{"text":"And as far because just working in the the rail there, are you in an office, like, a 100% of the time?","start":173.63501,"end":179.9,"sentiment":"neutral","sentiment_score":0.009308990175751123},{"text":"Do you spend some time out, like, around the tracks and things like that in platforms?","start":179.9,"end":183.36,"sentiment":"neutral","sentiment_score":-0.016729187918826938},{"text":"Yep.","start":190.06,"end":190.38,"sentiment":"neutral","sentiment_score":0.012186123989522455},{"text":"So a 100% in office space?","start":190.38,"end":192.56,"sentiment":"neutral","sentiment_score":0.035311401511232056}],"sentiment":"neutral","sentiment_score":0.004236953272281781,"num_words":46,"start":173.315,"end":192.56},{"sentences":[{"text":"Perfect.","start":196.30501,"end":196.80501,"sentiment":"neutral","sentiment_score":0.18864530324935913},{"text":"So not dealing with any sort of hazardous materials around the the railway tracks at all.","start":197.425,"end":201.285,"sentiment":"neutral","sentiment_score":-0.0944137095939368},{"text":"Yep.","start":214.32,"end":214.72,"sentiment":"neutral","sentiment_score":0.04647042602300644},{"text":"Not a problem at all.","start":214.72,"end":216.18001,"sentiment":"neutral","sentiment_score":0.07754068449139595},{"text":"And then as far as your employer name, are you with Queensland Rail at the moment?","start":217.295,"end":222.435,"sentiment":"neutral","sentiment_score":0.023543164890725166}],"sentiment":"neutral","sentiment_score":-0.013105373423642073,"num_words":39,"start":196.30501,"end":222.435},{"sentences":[{"text":"Yep.","start":235.71,"end":236.11,"sentiment":"neutral","sentiment_score":0.020004482939839363},{"text":"And then how long have you been doing that role there versus, like, industry industry experience?","start":236.11,"end":241.23,"sentiment":"neutral","sentiment_score":-0.001128483872889774},{"text":"Sorry, if you don't mind me asking.","start":241.23,"end":242.535,"sentiment":"neutral","sentiment_score":-0.009843430215758937},{"text":"Perfect.","start":260.55,"end":260.95,"sentiment":"neutral","sentiment_score":0.13296087086200714},{"text":"And how many hours per week at the moment do you reckon you're sort of doing?","start":260.95,"end":264.49,"sentiment":"neutral","sentiment_score":0.015725345961982384}],"sentiment":"neutral","sentiment_score":0.007746613066268676,"num_words":41,"start":235.71,"end":264.49},{"sentences":[{"text":"Perfect.","start":270.325,"end":270.725,"sentiment":"positive","sentiment_score":0.6136194467544556},{"text":"And then do you know roughly sort of what your gross income is at the moment?","start":270.725,"end":274.665,"sentiment":"neutral","sentiment_score":0.17349300626665354},{"text":"Before tax is fine.","start":278.725,"end":280.185,"sentiment":"neutral","sentiment_score":0.09326650947332382},{"text":"Perfect.","start":286.19,"end":286.43,"sentiment":"positive","sentiment_score":0.5545362234115601},{"text":"And do you get any sort of bonuses or anything like that?","start":286.43,"end":289.49,"sentiment":"neutral","sentiment_score":0.17825717199593782}],"sentiment":"neutral","sentiment_score":0.18988811389050064,"num_words":34,"start":270.325,"end":289.49},{"sentences":[{"text":"And do you know roughly what your expenditure and savings sort of looks like per week at the moment?","start":292.60498,"end":296.54498,"sentiment":"neutral","sentiment_score":-0.047114397938314234},{"text":"Okay.","start":306.78,"end":307.18,"sentiment":"neutral","sentiment_score":-0.21877318620681763},{"text":"Okay.","start":307.18,"end":307.68,"sentiment":"neutral","sentiment_score":-0.14498719573020935},{"text":"Yep.","start":333.45,"end":333.95,"sentiment":"neutral","sentiment_score":0.005243772175163031},{"text":"And then is there a certain amount that you're putting it into a savings account at all, or is it all sort of just going into, like, your your offset?","start":334.41,"end":342.35,"sentiment":"neutral","sentiment_score":-0.013710087134192387}],"sentiment":"neutral","sentiment_score":-0.03201909201183858,"num_words":52,"start":292.60498,"end":342.35},{"sentences":[{"text":"Or Yep.","start":342.57,"end":364.32,"sentiment":"neutral","sentiment_score":0.06590273603796959},{"text":"Yeah.","start":418.455,"end":418.955,"sentiment":"neutral","sentiment_score":-0.0007320968434214592},{"text":"No.","start":419.175,"end":419.335,"sentiment":"neutral","sentiment_score":-0.04332898557186127},{"text":"That's perfectly fine.","start":419.335,"end":420.555,"sentiment":"neutral","sentiment_score":0.002582171310981115},{"text":"And do you have, like, a budget planner that you use at the moment, or you're kind of just going by the cedar pants at the moment?","start":428.23,"end":433.37,"sentiment":"neutral","sentiment_score":-0.1027342788875103}],"sentiment":"neutral","sentiment_score":-0.0787745478343876,"num_words":34,"start":342.57,"end":433.37},{"sentences":[{"text":"Yep.","start":437.03,"end":437.35,"sentiment":"neutral","sentiment_score":0.00461422186344862},{"text":"Would you like just a copy of, like, just Oakview's budget planner?","start":437.35,"end":440.47,"sentiment":"neutral","sentiment_score":-0.010468995043387016},{"text":"It's just like an Excel spreadsheet that you can sort of plan out your budget a little bit better.","start":440.47,"end":444.895,"sentiment":"neutral","sentiment_score":0.10669954140719615},{"text":"Yep.","start":448.63498,"end":449.13498,"sentiment":"neutral","sentiment_score":0.009140834212303162},{"text":"Okay.","start":464.41,"end":464.91,"sentiment":"neutral","sentiment_score":-0.0047544799745082855}],"sentiment":"neutral","sentiment_score":0.056195997715215475,"num_words":34,"start":437.03,"end":464.91},{"sentences":[{"text":"Separate.","start":473.305,"end":473.805,"sentiment":"neutral","sentiment_score":0.004855561535805464},{"text":"Oh, okay.","start":473.94498,"end":474.345,"sentiment":"neutral","sentiment_score":0.02780321706086397},{"text":"So what how much is going into the the savings account versus so for the kids, it is, like, a bit a bit under the hunt.","start":474.345,"end":488.1,"sentiment":"neutral","sentiment_score":-0.00262612197548151},{"text":"Yep.","start":488.1,"end":488.6,"sentiment":"neutral","sentiment_score":0.0644526332616806},{"text":"Okay.","start":499.30502,"end":499.625,"sentiment":"neutral","sentiment_score":0.1765415072441101}],"sentiment":"neutral","sentiment_score":0.007521837574219511,"num_words":31,"start":473.305,"end":499.625},{"sentences":[{"text":"Not a problem.","start":499.625,"end":500.52502,"sentiment":"positive","sentiment_score":0.4091695745786031},{"text":"Perfect.","start":504.74503,"end":505.225,"sentiment":"positive","sentiment_score":0.727688193321228},{"text":"Let's get that all updated.","start":505.225,"end":506.52502,"sentiment":"positive","sentiment_score":0.5231810092926026},{"text":"And as far as, like, any salary sacrifice or anything like that, Craig, if you thought about that, is that something that you wanna potentially do in the future, or are you happy sort of at the moment just sorting things out before you think about that?","start":508.98,"end":518.76,"sentiment":"neutral","sentiment_score":0.05159593571690803},{"text":"Like, a novated lease through.","start":533.56995,"end":535.19,"sentiment":"neutral","sentiment_score":-0.037159078568220136}],"sentiment":"neutral","sentiment_score":0.11164451720284634,"num_words":61,"start":499.625,"end":535.19},{"sentences":[{"text":"Yeah.","start":535.32996,"end":535.82996,"sentiment":"neutral","sentiment_score":0.0006403867155313492},{"text":"Yep.","start":538.37,"end":538.87,"sentiment":"neutral","sentiment_score":-0.0011576886754482985},{"text":"No.","start":539.25,"end":539.41,"sentiment":"neutral","sentiment_score":-0.1616923213005066},{"text":"That's fine.","start":539.41,"end":540.23,"sentiment":"neutral","sentiment_score":-0.14376313611865044},{"text":"No.","start":549.02496,"end":549.345,"sentiment":"neutral","sentiment_score":-0.1569758802652359}],"sentiment":"neutral","sentiment_score":-0.10111862929382671,"num_words":6,"start":535.32996,"end":549.345},{"sentences":[{"text":"Unfortunately not.","start":549.345,"end":550.565,"sentiment":"neutral","sentiment_score":-0.16864577680826187},{"text":"And do you have an EBA with your current work at the moment?","start":550.865,"end":553.685,"sentiment":"neutral","sentiment_score":-0.07207816122816159},{"text":"It's like an enterprise bargaining agreement, like a union type deal.","start":555.92,"end":559.3,"sentiment":"neutral","sentiment_score":-0.07154553959315474},{"text":"Yep.","start":565.52,"end":565.76,"sentiment":"neutral","sentiment_score":-0.01133650168776512},{"text":"No.","start":565.76,"end":565.92,"sentiment":"neutral","sentiment_score":-0.06610436737537384}],"sentiment":"neutral","sentiment_score":-0.07638390907751662,"num_words":28,"start":549.345,"end":565.92},{"sentences":[{"text":"That's fine.","start":565.92,"end":566.48,"sentiment":"neutral","sentiment_score":0.033348362892866135},{"text":"You can sort of just have them with your work as well, but the unions sort of the easiest way to explain it because people know exactly what the unions are.","start":566.48,"end":572.815,"sentiment":"neutral","sentiment_score":0.01161312912741015},{"text":"But it's basically just an agreement with your work for, you know, certain benefits and things like that as well.","start":572.815,"end":577.95496,"sentiment":"neutral","sentiment_score":0.061573775857686995},{"text":"But if you don't sort of remember signing one, you probably don't have one.","start":578.255,"end":581.31,"sentiment":"neutral","sentiment_score":-0.10451931985361236},{"text":"Yep.","start":588.83,"end":589.33,"sentiment":"neutral","sentiment_score":-0.03726322576403618}],"sentiment":"neutral","sentiment_score":0.002318316796684966,"num_words":68,"start":565.92,"end":589.33},{"sentences":[{"text":"Yep.","start":603.805,"end":604.125,"sentiment":"neutral","sentiment_score":0.29363107681274414},{"text":"Perfect.","start":604.125,"end":604.625,"sentiment":"positive","sentiment_score":0.6295753717422485},{"text":"And then I'll just get some updated assets liabilities for the splits of everything.","start":605.085,"end":609.02,"sentiment":"neutral","sentiment_score":0.304289168545178},{"text":"So at the moment, the house is worth around 1.1.","start":609.08,"end":611.64,"sentiment":"neutral","sentiment_score":0.1251207858324051},{"text":"Is that sort of similar to what you reckon it is now?","start":611.64,"end":613.98004,"sentiment":"neutral","sentiment_score":0.1362762457380692}],"sentiment":"neutral","sentiment_score":0.21236256882548332,"num_words":38,"start":603.805,"end":613.98004},{"sentences":[{"text":"Yep.","start":619.48004,"end":619.98004,"sentiment":"neutral","sentiment_score":0.09550623595714568},{"text":"And then with regards to the mortgage remaining on that one, do you know roughly how much is left on that one?","start":620.04004,"end":625.775,"sentiment":"neutral","sentiment_score":0.04621764365583658},{"text":"$4.13.","start":629.435,"end":630.175,"sentiment":"neutral","sentiment_score":0.02153756469488144},{"text":"And I know you had a redraw on that as well.","start":630.715,"end":633.435,"sentiment":"neutral","sentiment_score":0.008539884634294802},{"text":"Do you have a redraw facility on that as well, or is that just all in through the offsets now?","start":633.435,"end":638.76,"sentiment":"neutral","sentiment_score":-0.00576251121237874}],"sentiment":"neutral","sentiment_score":0.020227644869274544,"num_words":55,"start":619.48004,"end":638.76},{"sentences":[{"text":"Yep.","start":644.74,"end":645.24,"sentiment":"neutral","sentiment_score":-0.012506670318543913},{"text":"Okay.","start":664.85004,"end":665.25,"sentiment":"neutral","sentiment_score":0.04384063929319382},{"text":"Not a problem.","start":665.25,"end":666.39,"sentiment":"neutral","sentiment_score":0.05756334836284319},{"text":"And then how what's the split at the moment?","start":666.45,"end":668.61,"sentiment":"neutral","sentiment_score":0.011430733526746431},{"text":"Not that it matters that they're both sorta variable, but Yep.","start":668.61,"end":689.53,"sentiment":"neutral","sentiment_score":-0.024813391268253326}],"sentiment":"neutral","sentiment_score":0.0013581324741244315,"num_words":25,"start":644.74,"end":689.53},{"sentences":[{"text":"And then with that, do you sort of plan on speaking to a mortgage broker to, like, discuss, like, refinancing and things like that as well?","start":689.53,"end":695.71,"sentiment":"neutral","sentiment_score":0.0021368227899074554},{"text":"Yep.","start":710.76,"end":711.24,"sentiment":"neutral","sentiment_score":-0.009300265461206436},{"text":"No.","start":711.24,"end":711.74,"sentiment":"neutral","sentiment_score":-0.0613926462829113},{"text":"That's yeah.","start":714.28,"end":717.8,"sentiment":"neutral","sentiment_score":0.06188008934259414},{"text":"Not a problem.","start":717.8,"end":718.62,"sentiment":"neutral","sentiment_score":0.31907109916210175}],"sentiment":"neutral","sentiment_score":0.03229811990802938,"num_words":33,"start":689.53,"end":718.62},{"sentences":[{"text":"You do have access to the mortgage brokers here at OQ two.","start":718.68,"end":721.24,"sentiment":"neutral","sentiment_score":0.2716660723090172},{"text":"There's like, an in house and then also a couple trusted partners.","start":721.24,"end":724.055,"sentiment":"neutral","sentiment_score":0.21871291970213255},{"text":"If you ever did wanna sort of take an opinion from your own mortgage broker or if you don't have someone, you can always reach out.","start":724.055,"end":730.235,"sentiment":"neutral","sentiment_score":0.12233164505316661},{"text":"Yep.","start":737.27,"end":737.77,"sentiment":"neutral","sentiment_score":0.1257115602493286},{"text":"Yep.","start":741.35004,"end":741.85004,"sentiment":"neutral","sentiment_score":0.12419315427541731}],"sentiment":"neutral","sentiment_score":0.17913606519309375,"num_words":52,"start":718.68,"end":741.85004},{"sentences":[{"text":"Yep.","start":754.40497,"end":754.90497,"sentiment":"neutral","sentiment_score":0.1330750286579132},{"text":"Yeah.","start":767.62,"end":768.1,"sentiment":"neutral","sentiment_score":0.08327750861644745},{"text":"It considering that they just raised the the rate as well, it's probably not looking like they probably would be able to sort of do much better anyway.","start":768.1,"end":778.295,"sentiment":"neutral","sentiment_score":-0.17460024489888124},{"text":"But it's always sort of worth the discussion at some point as well when you do wanna have a chat about it.","start":779.395,"end":784.775,"sentiment":"neutral","sentiment_score":0.2552888857370073},{"text":"So that's all in fine given that you oh, sorry.","start":785.63,"end":788.21,"sentiment":"neutral","sentiment_score":0.27664024755358696}],"sentiment":"neutral","sentiment_score":0.059843607126705105,"num_words":62,"start":754.40497,"end":788.21},{"sentences":[{"text":"Yep.","start":803.72504,"end":804.22504,"sentiment":"neutral","sentiment_score":0.21924158930778503},{"text":"Okay.","start":809.57996,"end":810.07996,"sentiment":"neutral","sentiment_score":0.08935365080833435},{"text":"Not a problem.","start":810.62,"end":811.44,"sentiment":"neutral","sentiment_score":0.11891317864259084},{"text":"Yep.","start":821.18,"end":821.68,"sentiment":"neutral","sentiment_score":0.014234624803066254},{"text":"Yeah.","start":828.73505,"end":829.215,"sentiment":"neutral","sentiment_score":0.16511067748069763}],"sentiment":"neutral","sentiment_score":0.12066858261823654,"num_words":7,"start":803.72504,"end":829.215},{"sentences":[{"text":"Not a problem.","start":829.215,"end":830.03503,"sentiment":"neutral","sentiment_score":0.16256387159228325},{"text":"With that too, if you sorta by having the child accounts there as well, if you feel like you're not sorta getting, you know, a good rate of having those there just sitting there, there is options to do, like, investment bonds and things for your kids as well to be able to, you know, have that money invested slightly more aggressively given, you know, the time until they probably need it because I do have it here sort of thinking more sort of college, university sort of funding less so, you know, car at the age of 16 type deal.","start":830.255,"end":859.42505,"sentiment":"neutral","sentiment_score":0.2800909628224845},{"text":"So it's quite a number of years that you've got that you can sort of have that money invested even if it is sort of just moderately invested as opposed to just, like, offsetting the the mortgage and just sort of building up as you put money in, if that makes sense.","start":859.42505,"end":872.45996,"sentiment":"neutral","sentiment_score":0.19887944217771292},{"text":"Basically, yeah.","start":886.55,"end":887.43,"sentiment":"neutral","sentiment_score":0.07250483147799969},{"text":"But that's obviously up to you and sort of because at the moment, you're obviously offsetting the 5.4% interest rate, which means that it lowers your mortgage quite a bit in terms of the repayments you have to make.","start":887.43,"end":897.37,"sentiment":"neutral","sentiment_score":0.12510188449269685}],"sentiment":"neutral","sentiment_score":0.2240740761992895,"num_words":197,"start":829.215,"end":897.37},{"sentences":[{"text":"But if you ever sort of, you know, paid down the mortgage off and then sort of just sitting cash in the bank and you are just getting interest on that as well, given that the interest rate would be lower than what you're paying off the the mortgage there, you can look to a different sort of investment.","start":897.51,"end":910.09503,"sentiment":"neutral","sentiment_score":0.05768241332370346},{"text":"Even if it is quite conservative, it might be better, and it's a bit more tax effective with those investment bonds.","start":910.09503,"end":915.455,"sentiment":"neutral","sentiment_score":0.21726416654530026},{"text":"If you hold them for a ten year period, the distributions become tax free because you're essentially getting taxed at a a company tax rate as opposed to, like, an individual tax rate and individual tax rate if you put the investment in, like, your kid's name or a kid's bank account with their name on it.","start":915.455,"end":931.885,"sentiment":"neutral","sentiment_score":0.14965946541020744},{"text":"When it starts earning interest and things like that, they can get taxed a bit more.","start":931.885,"end":935.26495,"sentiment":"neutral","sentiment_score":0.06588079943321645},{"text":"Yeah.","start":941.565,"end":942.06,"sentiment":"neutral","sentiment_score":0.16808456182479858}],"sentiment":"neutral","sentiment_score":0.11505569327719413,"num_words":154,"start":897.51,"end":942.06},{"sentences":[{"text":"But all things to think about.","start":942.94,"end":943.98,"sentiment":"neutral","sentiment_score":0.1820692295829455},{"text":"If you're happy having it the way it is at the moment, there's nothing wrong with that as well.","start":943.98,"end":947.84,"sentiment":"positive","sentiment_score":0.4984300528701983},{"text":"Yep.","start":953.98,"end":954.405,"sentiment":"neutral","sentiment_score":0.2223926782608032},{"text":"Not a problem.","start":955.525,"end":956.42505,"sentiment":"neutral","sentiment_score":0.26602882146835327},{"text":"And as far as the offset amounts that you've got, so the cash in the the bank one, how much is that roughly sitting at at the moment?","start":957.60504,"end":966.905,"sentiment":"neutral","sentiment_score":0.07432141487619706}],"sentiment":"neutral","sentiment_score":0.23972044107422494,"num_words":57,"start":942.94,"end":966.905},{"sentences":[{"text":"Yeah.","start":970.99,"end":971.49,"sentiment":"neutral","sentiment_score":0.04382554441690445},{"text":"52.","start":976.58997,"end":977.23,"sentiment":"neutral","sentiment_score":0.07639804482460022},{"text":"Perfect.","start":977.23,"end":977.73,"sentiment":"positive","sentiment_score":0.4118577539920807},{"text":"And then as far as, like, the other general spending one you do have, what was that one sort of sitting at?","start":978.58997,"end":986.80505,"sentiment":"neutral","sentiment_score":0.11741341464221478},{"text":"Yeah.","start":986.80505,"end":987.30505,"sentiment":"neutral","sentiment_score":0.03002815693616867}],"sentiment":"neutral","sentiment_score":0.12096940854994151,"num_words":26,"start":970.99,"end":987.30505},{"sentences":[{"text":"Yep.","start":997.13995,"end":997.38,"sentiment":"neutral","sentiment_score":0.07370364665985107},{"text":"And then with regards to the child's offsets, how much have you got in each one of those?","start":997.38,"end":1002.83997,"sentiment":"neutral","sentiment_score":0.040622179499930806},{"text":"Perfect.","start":1016.115,"end":1016.615,"sentiment":"positive","sentiment_score":0.3912761211395264},{"text":"And I have a car here that was worth around 30 with 20 owing.","start":1016.835,"end":1019.71497,"sentiment":"neutral","sentiment_score":0.1326269656419754},{"text":"Do you know roughly what's left on that one?","start":1019.71497,"end":1022.1,"sentiment":"neutral","sentiment_score":0.06830084696412086}],"sentiment":"neutral","sentiment_score":0.08529451489448547,"num_words":43,"start":997.13995,"end":1022.1},{"sentences":[{"text":"Perfect.","start":1026.82,"end":1027.32,"sentiment":"positive","sentiment_score":0.5058718323707581},{"text":"And as far as anything you're sort of trying to achieve in regards to, like, your your savings or anything like that, is there anything else apart from, like, paying down the mortgage and building up those accounts that you're sort trying to achieve with that?","start":1027.62,"end":1046.9049,"sentiment":"neutral","sentiment_score":0.15977143366699634},{"text":"Yep.","start":1051.85,"end":1052.35,"sentiment":"neutral","sentiment_score":0.08438713848590851},{"text":"Yep.","start":1072.985,"end":1073.485,"sentiment":"neutral","sentiment_score":0.24020493030548096},{"text":"Perfect.","start":1073.705,"end":1074.205,"sentiment":"positive","sentiment_score":0.4760245084762573}],"sentiment":"neutral","sentiment_score":0.1731194871664047,"num_words":50,"start":1026.82,"end":1074.205},{"sentences":[{"text":"And as far as any other goals that you're trying to achieve at the moment, I know sort of with your kid being quite young than the newer one, you're mainly focused on that.","start":1075.09,"end":1082.2899,"sentiment":"neutral","sentiment_score":0.20018739603898106},{"text":"But moving forward, now that they've grown up a little bit, is there anything else sort of shorter term that you're focused on?","start":1082.2899,"end":1087.0099,"sentiment":"neutral","sentiment_score":0.11881633434930573},{"text":"Are you sort of thinking, like, investment property down the future?","start":1087.0099,"end":1089.73,"sentiment":"neutral","sentiment_score":0.06655418601903049},{"text":"Are you sort of just happy paying down the debt, renovating the house, and just focus on your your savings?","start":1089.73,"end":1094.425,"sentiment":"neutral","sentiment_score":0.19268124252557756},{"text":"Yep.","start":1123.3151,"end":1123.8151,"sentiment":"neutral","sentiment_score":0.16855601966381073}],"sentiment":"neutral","sentiment_score":0.16060027046903466,"num_words":89,"start":1075.09,"end":1123.8151},{"sentences":[{"text":"Okay.","start":1123.9551,"end":1124.355,"sentiment":"neutral","sentiment_score":0.14808815717697144},{"text":"And as far as that, is there any sort of other shorter term goals that you're looking to do at the moment?","start":1124.355,"end":1128.775,"sentiment":"neutral","sentiment_score":0.12233968620950525},{"text":"Yep.","start":1136.5,"end":1137.0,"sentiment":"positive","sentiment_score":0.33786553144454956},{"text":"Largely, yeah, pretty happy with how you're sort of tracking and everything that's going on.","start":1142.355,"end":1146.1951,"sentiment":"positive","sentiment_score":0.6342469016710918},{"text":"That's fine.","start":1146.1951,"end":1146.935,"sentiment":"positive","sentiment_score":0.40435415506362915}],"sentiment":"neutral","sentiment_score":0.3292643565957139,"num_words":41,"start":1123.9551,"end":1146.935},{"sentences":[{"text":"Yeah.","start":1171.9049,"end":1172.225,"sentiment":"neutral","sentiment_score":0.10821801424026488},{"text":"And I completely understand.","start":1172.225,"end":1173.445,"sentiment":"neutral","sentiment_score":0.20033303275704384},{"text":"Yep.","start":1188.7999,"end":1189.0399,"sentiment":"neutral","sentiment_score":0.05044625699520111},{"text":"Not a problem.","start":1189.0399,"end":1189.755,"sentiment":"neutral","sentiment_score":0.08638986572623253},{"text":"And I also have here that you do have a share portfolio in your partner's name.","start":1189.755,"end":1193.355,"sentiment":"neutral","sentiment_score":0.08028095820918679}],"sentiment":"neutral","sentiment_score":0.1001464532315731,"num_words":25,"start":1171.9049,"end":1193.355},{"sentences":[{"text":"Do you still have that portfolio?","start":1193.355,"end":1194.8151,"sentiment":"neutral","sentiment_score":0.02948907172928254},{"text":"Yep.","start":1207.13,"end":1207.63,"sentiment":"neutral","sentiment_score":0.03997880220413208},{"text":"Yep.","start":1217.625,"end":1218.125,"sentiment":"neutral","sentiment_score":0.0870785340666771},{"text":"Not a problem.","start":1218.425,"end":1219.3251,"sentiment":"neutral","sentiment_score":0.1156764104962349},{"text":"And then so you've answered these questions previously as well.","start":1220.905,"end":1224.025,"sentiment":"neutral","sentiment_score":0.09887317195534706}],"sentiment":"neutral","sentiment_score":0.07808346274707999,"num_words":21,"start":1193.355,"end":1224.025},{"sentences":[{"text":"These are a few odd ones and just because it's like, obviously, I said the the new process there, but you've never declared bankruptcy previously before, have you?","start":1224.025,"end":1230.76,"sentiment":"neutral","sentiment_score":-0.0010676079546101391},{"text":"And you're not a tax resident for any other jurisdiction at the moment?","start":1233.78,"end":1236.84,"sentiment":"neutral","sentiment_score":-0.035127297043800354},{"text":"Okay.","start":1242.595,"end":1242.835,"sentiment":"neutral","sentiment_score":-0.010696839541196825},{"text":"Not a problem.","start":1242.835,"end":1243.655,"sentiment":"neutral","sentiment_score":0.23318195343017578},{"text":"And then as far as being politically exposed, you're not involved in any politics or any family in politics?","start":1244.115,"end":1249.575,"sentiment":"neutral","sentiment_score":-0.09053970363579299}],"sentiment":"neutral","sentiment_score":-0.023718019259831635,"num_words":64,"start":1224.025,"end":1249.575},{"sentences":[{"text":"Okay.","start":1251.81,"end":1252.13,"sentiment":"neutral","sentiment_score":0.08053260296583176},{"text":"Not a problem.","start":1252.13,"end":1252.9501,"sentiment":"neutral","sentiment_score":0.2425333857536316},{"text":"And as far as the health's been going, no unexpected hospital trips or anything like that that since we sort of last spoke?","start":1253.65,"end":1259.09,"sentiment":"neutral","sentiment_score":0.0787575243283873},{"text":"No medications, injuries?","start":1259.09,"end":1260.39,"sentiment":"neutral","sentiment_score":-0.05606542527675629},{"text":"Okay.","start":1279.8401,"end":1280.24,"sentiment":"neutral","sentiment_score":0.12480038404464722}],"sentiment":"neutral","sentiment_score":0.0831019331610972,"num_words":31,"start":1251.81,"end":1280.24},{"sentences":[{"text":"No problem.","start":1280.24,"end":1281.06,"sentiment":"neutral","sentiment_score":0.1884390264749527},{"text":"And as far as yourself, sir?","start":1281.12,"end":1283.3,"sentiment":"neutral","sentiment_score":0.14017470553517342},{"text":"Yep.","start":1285.8401,"end":1286.24,"sentiment":"neutral","sentiment_score":0.15500947833061218},{"text":"Not taking any medications currently?","start":1286.24,"end":1287.9401,"sentiment":"neutral","sentiment_score":-0.10576019436120987},{"text":"And I know it's a bit personal, but do you mind me asking what that is currently?","start":1293.905,"end":1298.0851,"sentiment":"neutral","sentiment_score":-0.08752328266992289}],"sentiment":"neutral","sentiment_score":-0.020766484280747753,"num_words":31,"start":1280.24,"end":1298.0851},{"sentences":[{"text":"If you don't feel like you wanna disclose it.","start":1306.3999,"end":1308.82,"sentiment":"neutral","sentiment_score":-0.1318006565173467},{"text":"Okay.","start":1315.455,"end":1315.7749,"sentiment":"neutral","sentiment_score":-0.02899342216551304},{"text":"And it but it's not Crohn's or anything like that?","start":1315.7749,"end":1318.115,"sentiment":"neutral","sentiment_score":-0.07914472352713346},{"text":"Yeah.","start":1323.7749,"end":1324.2749,"sentiment":"neutral","sentiment_score":-0.08877475559711456},{"text":"Yeah.","start":1334.91,"end":1335.41,"sentiment":"neutral","sentiment_score":-0.04177313297986984}],"sentiment":"neutral","sentiment_score":-0.09714520248499783,"num_words":22,"start":1306.3999,"end":1335.41},{"sentences":[{"text":"And then within regards to that one, that doesn't predate your income protection cover, does it?","start":1338.285,"end":1344.285,"sentiment":"neutral","sentiment_score":-0.05352814309298992},{"text":"That these come after you got your insurances with us?","start":1344.285,"end":1347.985,"sentiment":"neutral","sentiment_score":-0.05339658409357071},{"text":"I'll just check the exact date.","start":1353.02,"end":1355.04,"sentiment":"neutral","sentiment_score":-0.055491056914130844},{"text":"Bear with me.","start":1355.34,"end":1356.32,"sentiment":"neutral","sentiment_score":-0.05861085280776024},{"text":"Back in 2020 is when this policy started.","start":1359.9,"end":1362.54,"sentiment":"neutral","sentiment_score":-0.06651929952204227}],"sentiment":"neutral","sentiment_score":-0.05654300991878953,"num_words":43,"start":1338.285,"end":1362.54},{"sentences":[{"text":"So was the diagnosis after that?","start":1362.54,"end":1370.935,"sentiment":"neutral","sentiment_score":-0.07020637579262257},{"text":"No.","start":1390.545,"end":1390.785,"sentiment":"neutral","sentiment_score":-0.12235736846923828},{"text":"That should be fine.","start":1390.785,"end":1391.5851,"sentiment":"neutral","sentiment_score":-0.08343864977359772},{"text":"Because you do have a loading on your as I said, because we haven't sort of spoken before.","start":1391.5851,"end":1395.525,"sentiment":"neutral","sentiment_score":-0.12544366634554333},{"text":"It doesn't specifically list because of the age of the the policy what the loading was for.","start":1395.8251,"end":1400.4299,"sentiment":"neutral","sentiment_score":-0.1876602365690119}],"sentiment":"neutral","sentiment_score":-0.13751217909157276,"num_words":46,"start":1362.54,"end":1400.4299},{"sentences":[{"text":"It could be for the fact that you had IVD back then, and that's why you have a 75% loading on your cover.","start":1400.4299,"end":1407.1699,"sentiment":"neutral","sentiment_score":-0.133282329077306},{"text":"But I'd have to try and find and redownload the the application summary to see what was disclosed, but that's fine.","start":1407.71,"end":1414.61,"sentiment":"neutral","sentiment_score":-0.0589145411338125},{"text":"We can also just yep.","start":1415.415,"end":1423.2051,"sentiment":"neutral","sentiment_score":0.03653191402554512},{"text":"Okay.","start":1433.9099,"end":1434.3899,"sentiment":"neutral","sentiment_score":0.08042047917842865},{"text":"Not a problem.","start":1434.3899,"end":1435.45,"sentiment":"neutral","sentiment_score":0.10996096084515254}],"sentiment":"neutral","sentiment_score":-0.06999501888200922,"num_words":53,"start":1400.4299,"end":1435.45},{"sentences":[{"text":"We can always revisit that and have a look at that.","start":1436.63,"end":1439.37,"sentiment":"neutral","sentiment_score":0.10330958732149818},{"text":"Worst case scenario, it's just something we'd disclose to the insurer.","start":1439.4299,"end":1441.625,"sentiment":"neutral","sentiment_score":-0.2252133529294621},{"text":"You do have the loading there, and it doesn't specifically state why.","start":1441.625,"end":1444.1051,"sentiment":"neutral","sentiment_score":-0.0664485152810812},{"text":"So I'd say it's there to say from the conditions that you did disclose.","start":1444.1051,"end":1448.2051,"sentiment":"neutral","sentiment_score":-0.07361572501914841},{"text":"Now, obviously, you know, as you get older too, you end the policy to get older, your insurance gets more expensive, so you can, like, review and go to market again.","start":1448.5851,"end":1455.5651,"sentiment":"neutral","sentiment_score":-0.17690246143648702}],"sentiment":"neutral","sentiment_score":-0.1095306336691108,"num_words":79,"start":1436.63,"end":1455.5651},{"sentences":[{"text":"Obviously, when you do have this sort of set diagnosis as well, those might be loadings or exclusions moving forward.","start":1455.625,"end":1461.16,"sentiment":"neutral","sentiment_score":-0.10177106000483035},{"text":"It's just something to be aware of.","start":1461.78,"end":1463.0599,"sentiment":"neutral","sentiment_score":-0.11032578987734658},{"text":"But I'll go over the cover amounts in a bit here and sort of have a discussion with you and see if you're still comfortable with those.","start":1463.0599,"end":1468.04,"sentiment":"neutral","sentiment_score":0.06737951582504643},{"text":"But at the moment there, Craig, do you have private health cover?","start":1469.3,"end":1472.5851,"sentiment":"neutral","sentiment_score":-0.010871732452263435},{"text":"Right.","start":1474.7251,"end":1475.2251,"sentiment":"neutral","sentiment_score":0.049517083913087845}],"sentiment":"neutral","sentiment_score":-0.015961171753370938,"num_words":67,"start":1455.625,"end":1475.2251},{"sentences":[{"text":"And then as far as a will being put in place, I don't have a note of you having one of you managed to get around to setting one up.","start":1475.4451,"end":1482.66,"sentiment":"neutral","sentiment_score":-0.07596763558685779},{"text":"Okay.","start":1491.7001,"end":1492.1,"sentiment":"neutral","sentiment_score":0.007481910288333893},{"text":"Not a problem.","start":1492.1,"end":1492.8401,"sentiment":"neutral","sentiment_score":0.09686749428510666},{"text":"What I can do there for you is I can send through to some general information from a local solicitor if you'd like to have a look at sort of some general pricing.","start":1493.2201,"end":1500.355,"sentiment":"neutral","sentiment_score":0.13258950344540857},{"text":"Obviously, you know, you probably choose to to go with someone else, but it just can be a little bit of information for you to have.","start":1500.355,"end":1506.295,"sentiment":"neutral","sentiment_score":0.04755764296994759}],"sentiment":"neutral","sentiment_score":0.03904309308016172,"num_words":93,"start":1475.4451,"end":1506.295},{"sentences":[{"text":"No problem.","start":1510.05,"end":1510.77,"sentiment":"neutral","sentiment_score":0.11335791647434235},{"text":"As I said, they're a completely different service.","start":1510.77,"end":1512.4501,"sentiment":"neutral","sentiment_score":-0.1118673849850893},{"text":"So whether you go with them or not, it's my skin off my back.","start":1512.4501,"end":1515.11,"sentiment":"neutral","sentiment_score":-0.2926401416105883},{"text":"But as far as anything else I haven't sort of discussed there, Craig, that you feel that might be important, is there anything that you sort of I didn't touch on that you wanna have a chat about?","start":1515.73,"end":1526.375,"sentiment":"neutral","sentiment_score":0.07568867798698575},{"text":"Or Yeah.","start":1526.375,"end":1536.25,"sentiment":"neutral","sentiment_score":0.05470670945942402}],"sentiment":"neutral","sentiment_score":-0.02780628198524937,"num_words":64,"start":1510.05,"end":1536.25},{"sentences":[{"text":"Yep.","start":1536.63,"end":1537.11,"sentiment":"neutral","sentiment_score":0.10896637290716173},{"text":"Yep.","start":1537.11,"end":1537.61,"sentiment":"neutral","sentiment_score":0.154984250664711},{"text":"Okay.","start":1540.15,"end":1540.55,"sentiment":"neutral","sentiment_score":0.15833382308483124},{"text":"Not a problem.","start":1540.55,"end":1541.37,"sentiment":"neutral","sentiment_score":0.2986717571814855},{"text":"Yeah.","start":1541.51,"end":1541.75,"sentiment":"neutral","sentiment_score":0.3226636052131653}],"sentiment":"neutral","sentiment_score":0.23442333191633224,"num_words":7,"start":1536.63,"end":1541.75},{"sentences":[{"text":"So the next part there is we'll just quickly jump into a risk profile just to show you it sort of gauged your risk tolerance from when you sort of last had one done.","start":1541.75,"end":1550.445,"sentiment":"neutral","sentiment_score":0.14583088304190076},{"text":"So I'll just go through these questions here, but I know you have, even through your wife, had direct shares there previously, so that's fine.","start":1550.745,"end":1557.485,"sentiment":"neutral","sentiment_score":0.2627399522066116},{"text":"And then as far as inflation is concerned, are you still willing to take on a higher amount of risk to try and outpace inflation and, like, have a bit of a higher risk reward ratio?","start":1558.02,"end":1567.24,"sentiment":"neutral","sentiment_score":0.007160829173194038},{"text":"Yep.","start":1585.4099,"end":1585.9099,"sentiment":"neutral","sentiment_score":0.20817965269088745},{"text":"Yep.","start":1590.45,"end":1590.95,"sentiment":"neutral","sentiment_score":0.15793070197105408}],"sentiment":"neutral","sentiment_score":0.12526442302563756,"num_words":97,"start":1541.75,"end":1590.95},{"sentences":[{"text":"Yep.","start":1598.625,"end":1599.125,"sentiment":"neutral","sentiment_score":0.07165854424238205},{"text":"Do you say a more risky approach?","start":1612.08,"end":1613.6799,"sentiment":"neutral","sentiment_score":-0.03262506425380707},{"text":"Or Is okay.","start":1613.6799,"end":1622.355,"sentiment":"neutral","sentiment_score":0.0376868744691213},{"text":"Not a problem.","start":1622.415,"end":1623.0549,"sentiment":"positive","sentiment_score":0.38323331872622174},{"text":"Yeah.","start":1623.0549,"end":1623.215,"sentiment":"positive","sentiment_score":0.4320971965789795}],"sentiment":"neutral","sentiment_score":0.10254272470871607,"num_words":15,"start":1598.625,"end":1623.215},{"sentences":[{"text":"Because we thought we'll go over the performance here in a second and what did occur there for you and explain sort of why what happened there as well for you.","start":1623.215,"end":1630.355,"sentiment":"neutral","sentiment_score":0.3063494226624889},{"text":"But in regards to sort of your portfolio and if you sort of were to make a change for it and it still did decrease by, like, 20% in the next six months just due to what's happening in the market currently with, like, the wars and things like that, Would that make you wanna sort of shift to more secure asset, or are you happy sort of, you know, still investing moderately for growth and trying to get that longer term sort of time horizon going and sort of aiming the long term and not so much the short term?","start":1632.2999,"end":1655.94,"sentiment":"neutral","sentiment_score":-0.11915659662889372},{"text":"Yep.","start":1665.62,"end":1666.12,"sentiment":"neutral","sentiment_score":0.21858498454093933},{"text":"Perfect.","start":1673.955,"end":1674.455,"sentiment":"positive","sentiment_score":0.5909770727157593},{"text":"And then as far as when you super has taken a bit of a dive sort of, you know, obviously this year and, you know, previous years, like, potentially COVID if you were looking at it, Did that make you quite concerned at all?","start":1675.315,"end":1690.12,"sentiment":"neutral","sentiment_score":-0.04450400622392243}],"sentiment":"neutral","sentiment_score":-0.020711226817848306,"num_words":178,"start":1623.215,"end":1690.12},{"sentences":[{"text":"Or Yep.","start":1692.06,"end":1695.315,"sentiment":"neutral","sentiment_score":0.10157592222094536},{"text":"Yeah.","start":1708.37,"end":1708.69,"sentiment":"neutral","sentiment_score":0.0013810209929943085},{"text":"Since inception, yeah, it is up since, like, your inception of being onboard.","start":1708.69,"end":1713.35,"sentiment":"neutral","sentiment_score":0.10388036616719686},{"text":"Obviously, the last sort of year sort of wiped a bit of that off in terms of, like, a dollar figure.","start":1713.73,"end":1718.2899,"sentiment":"neutral","sentiment_score":-0.1957628113173303},{"text":"I'll cover the performance after this last question here.","start":1718.2899,"end":1720.37,"sentiment":"neutral","sentiment_score":-0.0019248562554518382}],"sentiment":"neutral","sentiment_score":-0.055942719964229545,"num_words":46,"start":1692.06,"end":1720.37},{"sentences":[{"text":"But then in regards to borrowed money there, would you like you said, you'd borrow for investment property.","start":1720.37,"end":1725.105,"sentiment":"neutral","sentiment_score":-0.042808027731047735},{"text":"Would you ever borrowed for, like, a share portfolio in the future if sort of circumstances were a little bit different or if you did have, like, the available funds?","start":1725.105,"end":1732.165,"sentiment":"neutral","sentiment_score":-0.07218206785619259},{"text":"Yep.","start":1744.9601,"end":1745.4401,"sentiment":"neutral","sentiment_score":-0.3199707865715027},{"text":"No.","start":1745.4401,"end":1745.9401,"sentiment":"neutral","sentiment_score":-0.28109055757522583},{"text":"And be sort of confident in your investments.","start":1764.21,"end":1766.21,"sentiment":"neutral","sentiment_score":0.26081258803606033}],"sentiment":"neutral","sentiment_score":-0.025009778874187635,"num_words":58,"start":1720.37,"end":1766.21},{"sentences":[{"text":"That's fine.","start":1766.21,"end":1766.95,"sentiment":"positive","sentiment_score":0.4955348074436188},{"text":"That still does bring you out to a high growth investment investor there.","start":1767.89,"end":1771.965,"sentiment":"positive","sentiment_score":0.6612764872037448},{"text":"So it's around that ninety ten split of around 90¢ growth assets and about 10% more to defensive assets.","start":1771.965,"end":1777.665,"sentiment":"positive","sentiment_score":0.3785111324654685},{"text":"Now that is currently what you are in within your Netwealth account, and I will send you out this as well.","start":1777.885,"end":1784.605,"sentiment":"neutral","sentiment_score":0.29275864078885033},{"text":"So bear with me.","start":1784.605,"end":1785.965,"sentiment":"neutral","sentiment_score":0.2867932543158531}],"sentiment":"positive","sentiment_score":0.4085511863231659,"num_words":59,"start":1766.21,"end":1785.965},{"sentences":[{"text":"It'll just have all your documents for you and your review here.","start":1785.965,"end":1790.93,"sentiment":"neutral","sentiment_score":0.3059587391714255},{"text":"And it'll just be going to that craig.cameron85@gmail.com, and then you'll have that to be able to have a look at it.","start":1792.8301,"end":1799.925,"sentiment":"neutral","sentiment_score":0.24542704224586487},{"text":"So that should be with you there shortly.","start":1802.005,"end":1803.6051,"sentiment":"neutral","sentiment_score":0.29243018478155136},{"text":"Now as I said, it has been a bit of a a rough year in terms of, like, the performance that did occur within your portfolio, and that's not just the war.","start":1803.6051,"end":1811.785,"sentiment":"neutral","sentiment_score":-0.023798936199455056},{"text":"So once you get that form up in front of you there, it will show you individual underlying investments.","start":1811.8451,"end":1817.0499,"sentiment":"neutral","sentiment_score":0.1906634459370061}],"sentiment":"neutral","sentiment_score":0.1534557074423559,"num_words":93,"start":1785.965,"end":1817.0499},{"sentences":[{"text":"Now as a result of, obviously, the war in Iran, it has had a bit of an impact on Super overall, not just yourself, but everyone.","start":1818.07,"end":1825.21,"sentiment":"neutral","sentiment_score":-0.07800616753789094},{"text":"Now back, obviously, five to six years ago when you originally came on board, I can't sort of pertain to, like, the conversations you did have, but you did have a larger portion into an actively managed fund.","start":1825.51,"end":1837.515,"sentiment":"neutral","sentiment_score":-0.01340462767372006},{"text":"I don't know if you remember sort of back that far in the discussions you have with the adviser there in regards to that.","start":1837.515,"end":1843.46,"sentiment":"neutral","sentiment_score":-0.10378315470491846},{"text":"But Bennelong yeah.","start":1844.08,"end":1846.16,"sentiment":"neutral","sentiment_score":0.028162238498528797},{"text":"Bennelong was like a yeah.","start":1846.16,"end":1848.08,"sentiment":"neutral","sentiment_score":0.025458629056811333}],"sentiment":"neutral","sentiment_score":-0.05017241728880132,"num_words":96,"start":1818.07,"end":1848.08},{"sentences":[{"text":"Okay.","start":1848.08,"end":1848.58,"sentiment":"neutral","sentiment_score":0.09606505185365675},{"text":"Bennelong was like an actively managed Australian equities.","start":1849.2,"end":1852.18,"sentiment":"neutral","sentiment_score":0.17335599102079868},{"text":"And then previously, you know, after the flight was tracking really quite well.","start":1852.64,"end":1856.355,"sentiment":"neutral","sentiment_score":0.1351066867892559},{"text":"Unfortunately, at the end of last year, they did have an underlying investment that was done for not reporting correctly, which caused them to take it down with Skid in terms having to reevaluate that, not only that stock, but people sort of, you know, reevaluating Bennelong and sort of how they wanna be in Bennelong or not.","start":1856.4149,"end":1870.95,"sentiment":"negative","sentiment_score":-0.5263015812840955},{"text":"And then also the war did hit at the same time, so a bit of a double whammy.","start":1871.4299,"end":1874.6499,"sentiment":"negative","sentiment_score":-0.5074278116226196}],"sentiment":"negative","sentiment_score":-0.37163155525922775,"num_words":98,"start":1848.08,"end":1874.6499},{"sentences":[{"text":"As far as the the rest wait.","start":1875.2699,"end":1877.7699,"sentiment":"neutral","sentiment_score":-0.04208692828459399},{"text":"It's an Australian managed fund.","start":1878.63,"end":1880.47,"sentiment":"neutral","sentiment_score":0.08371424973011017},{"text":"So in index is where they basically track the markets in a managed fund.","start":1880.47,"end":1884.87,"sentiment":"neutral","sentiment_score":0.10181885531970433},{"text":"It's up to the fund manager to the investments to be able to sort of try and outperform the market.","start":1884.87,"end":1889.865,"sentiment":"neutral","sentiment_score":0.15443884581327438},{"text":"You do pay a little bit more for those managed funds to try and outperform the market.","start":1889.865,"end":1894.205,"sentiment":"neutral","sentiment_score":0.07702765526140437}],"sentiment":"neutral","sentiment_score":0.09440752033085104,"num_words":63,"start":1875.2699,"end":1894.205},{"sentences":[{"text":"Now, unfortunately, with what did happen, because you had such a higher weighting, like, of that 30% in it, it did cause the the downward skew of your portfolio for the year.","start":1895.705,"end":1903.5901,"sentiment":"negative","sentiment_score":-0.4741464457474649},{"text":"It was around 3.5% down, which, you know, in the grand scheme of things isn't like a huge drop overall in terms of, like, your balance.","start":1904.37,"end":1912.13,"sentiment":"negative","sentiment_score":-0.4706502350477072},{"text":"It's obviously not ideal.","start":1912.13,"end":1913.3501,"sentiment":"negative","sentiment_score":-0.599574938416481},{"text":"But in saying that, like, the rest of your portfolio did somewhat prop it up.","start":1914.3949,"end":1918.3949,"sentiment":"neutral","sentiment_score":-0.13229501297076543},{"text":"The only other thing that did have a bit of a bad deal was cybersecurity, and that's because all the AI and everything at the start of this year also did take a bit of a dip.","start":1918.3949,"end":1925.2749,"sentiment":"negative","sentiment_score":-0.533249570711239}],"sentiment":"negative","sentiment_score":-0.4519522056114255,"num_words":114,"start":1895.705,"end":1925.2749},{"sentences":[{"text":"Now the the options with those, we can obviously refresh the portfolio and have a look and review your your account, the platform, and the investments there just to ensure that moving forward, obviously, 30% is quite a high way to have in any sort of managed fund.","start":1925.2749,"end":1942.575,"sentiment":"neutral","sentiment_score":0.0387832399768134},{"text":"We can still look to keep some active management there for you if you do still want the ability to try and outperform the market and have that little bit more risk like you were saying.","start":1943.0549,"end":1950.355,"sentiment":"neutral","sentiment_score":0.1806186032998893},{"text":"But with that, we can look to adjust it a little bit to balance it a little bit more across sort of some active management and those passive sort of lower cost investments as well to hopefully, you know, put you in a better position moving forward for the next sort of five to to ten years.","start":1950.8949,"end":1965.97,"sentiment":"neutral","sentiment_score":0.3015488719469623},{"text":"Yep.","start":1972.365,"end":1972.865,"sentiment":"neutral","sentiment_score":0.17614714801311493},{"text":"Yep.","start":1975.885,"end":1976.385,"sentiment":"neutral","sentiment_score":0.27084624767303467}],"sentiment":"neutral","sentiment_score":0.1818121981422801,"num_words":143,"start":1925.2749,"end":1976.385},{"sentences":[{"text":"Perfect.","start":1995.755,"end":1996.2351,"sentiment":"positive","sentiment_score":0.6502081155776978},{"text":"Because with that one there, obviously, we're not just gonna go in and make the changes.","start":1996.2351,"end":1999.515,"sentiment":"neutral","sentiment_score":0.2757929814979434},{"text":"We do have to put in a statement of advice, so it will probably take a few weeks for you there.","start":1999.515,"end":2003.3551,"sentiment":"neutral","sentiment_score":0.16383936007817587},{"text":"We'll do the research.","start":2003.3551,"end":2004.2351,"sentiment":"neutral","sentiment_score":0.22524355724453926},{"text":"We'll put it together.","start":2004.2351,"end":2005.0499,"sentiment":"positive","sentiment_score":0.3574168011546135}],"sentiment":"neutral","sentiment_score":0.23552530032137167,"num_words":46,"start":1995.755,"end":2005.0499},{"sentences":[{"text":"You'll be able to have a chance to review it and have a look at the changes and make sure you're happy with it.","start":2005.0499,"end":2009.13,"sentiment":"positive","sentiment_score":0.4386053991814454},{"text":"And if you were, you'd sign the document, and then we'd look at updating that investment for you.","start":2009.13,"end":2013.71,"sentiment":"neutral","sentiment_score":0.2158151153061125},{"text":"Now as far as your insurances are concerned there as well, you do have, as I said before, life income protection and total permanent disability.","start":2013.85,"end":2025.975,"sentiment":"neutral","sentiment_score":0.06819391697645187},{"text":"Now in regards to the life and TPD there, you do have around 870,000, a little bit over, which is sort of more than enough to cover your current debts, some income replacement after the fact.","start":2026.4349,"end":2037.59,"sentiment":"neutral","sentiment_score":0.14011792259083855},{"text":"Maybe not as much income replacement given that you're on such a high income, but definitely more than just covering debts.","start":2037.59,"end":2043.69,"sentiment":"neutral","sentiment_score":0.07334561149279277}],"sentiment":"neutral","sentiment_score":0.18306897286205523,"num_words":124,"start":2005.0499,"end":2043.69},{"sentences":[{"text":"And then in regards to your income replacement, now, generally, you can cover for up to 70% of your current income.","start":2044.3099,"end":2053.835,"sentiment":"neutral","sentiment_score":0.1518915756827309},{"text":"Now with your pay increase since you had the policy there, you're only covered for a monthly benefit around 7,000, where 70% of your current income is sitting around the 10,700 or 10,800 more so if you're rounding up in regards to a monthly benefit in the event anything did happen.","start":2053.835,"end":2073.11,"sentiment":"neutral","sentiment_score":0.11394679940798703},{"text":"Now you you still have to pay tax.","start":2074.425,"end":2079.0652,"sentiment":"neutral","sentiment_score":-0.08315213723108172},{"text":"So it you you can only ever cover up to 70% of your current income.","start":2079.0652,"end":2083.485,"sentiment":"neutral","sentiment_score":-0.14168602377176284},{"text":"And back, obviously, when you took out the policy, your income was quite a bit less, so you chose to go with a little bit less.","start":2083.625,"end":2088.8452,"sentiment":"neutral","sentiment_score":-0.18444018008617255}],"sentiment":"neutral","sentiment_score":0.011694691921314917,"num_words":121,"start":2044.3099,"end":2088.8452},{"sentences":[{"text":"And then you'd This is pretax dollars.","start":2089.2,"end":2105.855,"sentiment":"neutral","sentiment_score":-0.0428451911679336},{"text":"Sorry.","start":2105.855,"end":2106.355,"sentiment":"neutral","sentiment_score":-0.061607785522937775},{"text":"So obviously, we've yes, sir.","start":2106.5752,"end":2110.0352,"sentiment":"neutral","sentiment_score":-0.010991848912090063},{"text":"Because within regards to the income protection payments, the monthly benefits still has tax applied to that.","start":2111.0552,"end":2116.4202,"sentiment":"neutral","sentiment_score":-0.0244642395307036},{"text":"You don't just get that as, like, a tax free payment.","start":2116.4202,"end":2118.6802,"sentiment":"neutral","sentiment_score":-0.0973011322996833}],"sentiment":"neutral","sentiment_score":-0.04640702184335124,"num_words":41,"start":2089.2,"end":2118.6802},{"sentences":[{"text":"Yeah.","start":2119.3,"end":2119.54,"sentiment":"neutral","sentiment_score":0.044014181941747665},{"text":"So the numbers are, yeah, pretax.","start":2119.54,"end":2121.24,"sentiment":"neutral","sentiment_score":0.0012570249382406473},{"text":"So in saying that, like, income protection is the more costly insurance, But with that as well, because the age of your policy, it has obviously crept up a bit in terms of, like, the price you do pay with the loading as well.","start":2122.82,"end":2136.575,"sentiment":"neutral","sentiment_score":-0.16828826975754715},{"text":"Given it's a 2020 policy, some of the income protection policies back then are a little bit more comprehensive than newer ones.","start":2137.355,"end":2143.89,"sentiment":"neutral","sentiment_score":-0.06691892868415876},{"text":"But sometimes the features lost in gain can be sort of worth rewriting.","start":2144.8499,"end":2148.8699,"sentiment":"neutral","sentiment_score":-0.286166067306812}],"sentiment":"neutral","sentiment_score":-0.14587794004419688,"num_words":86,"start":2119.3,"end":2148.8699},{"sentences":[{"text":"To have a look at insurances and rewriting insurances, then we would have to do, like, a pre assessment to be able to assess your current sort of health, everything, you know, the preexisting conditions and sort of family and a bit more about your occupation to be able to do that.","start":2149.5698,"end":2163.025,"sentiment":"neutral","sentiment_score":0.033637131206118144},{"text":"Is that something you wanna undertake at the moment, or are you happy with the cover that you hold currently and it would satisfy your needs if anything did happen?","start":2163.025,"end":2169.84,"sentiment":"neutral","sentiment_score":0.06480620714525381},{"text":"Yep.","start":2180.4001,"end":2180.9001,"sentiment":"neutral","sentiment_score":0.19819554686546328},{"text":"So would you be happy retaining what the current cover you have, or is that something you want to do that sort of pre assessment process with us and revisit that as well at this time?","start":2182.045,"end":2190.465,"sentiment":"neutral","sentiment_score":0.18477916903793812},{"text":"Yep.","start":2195.0999,"end":2195.5999,"sentiment":"neutral","sentiment_score":0.16146111488342285}],"sentiment":"neutral","sentiment_score":0.08920853153492013,"num_words":120,"start":2149.5698,"end":2195.5999},{"sentences":[{"text":"Next year?","start":2200.22,"end":2201.0398,"sentiment":"neutral","sentiment_score":-0.0001605488359928131},{"text":"Yep.","start":2202.46,"end":2202.96,"sentiment":"neutral","sentiment_score":0.11681296676397324},{"text":"As I said, like, as you do, like, hold a policy, unfortunately, it's not like a, you know, member's discount.","start":2203.0999,"end":2208.105,"sentiment":"neutral","sentiment_score":-0.25899289827793837},{"text":"It actually cumulatively kinda goes up on a bit of a curve that your premiums do sort of jump up a little bit more aggressively each year.","start":2208.105,"end":2214.2852,"sentiment":"negative","sentiment_score":-0.3370745126847868},{"text":"So, generally, around a bit after the five year mark anyway or three to five years depending on what the policy is doing, you do potentially look at rerunning it.","start":2214.905,"end":2222.01,"sentiment":"neutral","sentiment_score":0.023685010025898616}],"sentiment":"neutral","sentiment_score":-0.1681728454772383,"num_words":80,"start":2200.22,"end":2222.01},{"sentences":[{"text":"As I said, given that your IP policy is a little bit older, it might have some benefits you might be foregoing with an update.","start":2222.01,"end":2228.0898,"sentiment":"neutral","sentiment_score":0.17312155425548553},{"text":"And then it just depends, like, on health sort of diagnosis, things like that that how they might rate cover.","start":2228.0898,"end":2233.565,"sentiment":"neutral","sentiment_score":-0.002965401113033295},{"text":"Given that you do have the 75% loading currently, I'm assuming, yeah, you probably did disclose some sort of thing in regards to the condition you do hold.","start":2235.065,"end":2242.0251,"sentiment":"neutral","sentiment_score":0.08486467080989055},{"text":"But in saying that if it's already sort of listed on this policy as a loading, it's likely to just be one on the the new one anyway, so that doesn't make much of a difference in regards to that.","start":2242.0251,"end":2252.7,"sentiment":"neutral","sentiment_score":-0.0006761389318853617},{"text":"Happy to move a note here just revisit it next year.","start":2253.88,"end":2256.815,"sentiment":"neutral","sentiment_score":0.19621637192639438}],"sentiment":"neutral","sentiment_score":0.07077642057030913,"num_words":124,"start":2222.01,"end":2256.815},{"sentences":[{"text":"The only other insurance that you don't have currently and you should be aware of is trauma cover.","start":2256.815,"end":2261.2148,"sentiment":"neutral","sentiment_score":-0.04002533356348673},{"text":"Now trauma cover is like an out of pocket lump sum cover similar to, like, how TPD works, but it has to be paid out of pocket.","start":2261.2148,"end":2268.095,"sentiment":"neutral","sentiment_score":-0.004796726284203706},{"text":"And the one thing it sort of does is it covers for traumatic events like heart attacks, strokes, those sort of traumatic injuries where you may not be totally permanently disabled.","start":2268.095,"end":2276.79,"sentiment":"neutral","sentiment_score":-0.02962445580370484},{"text":"You may not be off work for, like, your thirty days for an income protection policy.","start":2276.79,"end":2280.71,"sentiment":"neutral","sentiment_score":-0.07910683890804648},{"text":"But if you get, like, a a cancer diagnosis, things like that, sometimes you might wanna take some work off.","start":2280.71,"end":2285.565,"sentiment":"neutral","sentiment_score":-0.1520422924309969}],"sentiment":"neutral","sentiment_score":-0.054240009061426724,"num_words":112,"start":2256.815,"end":2285.565},{"sentences":[{"text":"You might wanna be able to, you know, afford some some more medication travel for treatments, things like that as well, which is a cover that you don't hold, but it is an option in the future as well, which is something you should be just aware of.","start":2285.565,"end":2300.91,"sentiment":"neutral","sentiment_score":0.00986000468644003},{"text":"It's a bit of a refresh.","start":2300.91,"end":2305.73,"sentiment":"neutral","sentiment_score":-0.23535101115703583},{"text":"Yep.","start":2309.71,"end":2310.21,"sentiment":"neutral","sentiment_score":0.24103975296020508},{"text":"Yep.","start":2322.2852,"end":2322.7852,"sentiment":"neutral","sentiment_score":0.14111006259918213},{"text":"Yeah.","start":2327.9,"end":2328.3,"sentiment":"neutral","sentiment_score":0.27404820919036865}],"sentiment":"neutral","sentiment_score":-0.004958382758655046,"num_words":57,"start":2285.565,"end":2328.3},{"sentences":[{"text":"And, look, we're always more than happy to just give you the general pricing and put in the recommendation.","start":2328.3,"end":2332.88,"sentiment":"positive","sentiment_score":0.46870305349952296},{"text":"The worst thing you do is say, no.","start":2333.02,"end":2334.38,"sentiment":"negative","sentiment_score":-0.34628221206367016},{"text":"You don't want it at the end of the day as well.","start":2334.38,"end":2336.56,"sentiment":"negative","sentiment_score":-0.4118766536315282},{"text":"So I'll make a note of that, put it here.","start":2337.385,"end":2338.985,"sentiment":"neutral","sentiment_score":0.22823634520173072},{"text":"You just wanna review all parts of cover next year and just reassess based on your your needs.","start":2338.985,"end":2343.245,"sentiment":"neutral","sentiment_score":0.226825507150756}],"sentiment":"neutral","sentiment_score":0.1128030307034948,"num_words":67,"start":2328.3,"end":2343.245},{"sentences":[{"text":"By then as well, you might be thinking about investment properties, things like that, and due debt might change slightly depending on how you structure your loan, which is something you probably should be looking at your insurance cover anyway at those stages.","start":2343.705,"end":2354.48,"sentiment":"neutral","sentiment_score":0.049345608280841696},{"text":"That and just the income increase there as well.","start":2355.18,"end":2357.5999,"sentiment":"neutral","sentiment_score":0.12611360765165752},{"text":"There is the option to look at sort of life increases as well, but given that your income's jumped up so significantly, it can only do up to a max 15% of your your current amount, which wouldn't really do much in terms of, like, reaching what you're currently at as opposed to rewriting the cover.","start":2358.14,"end":2373.9348,"sentiment":"neutral","sentiment_score":-0.06687979679554701},{"text":"Yeah.","start":2376.155,"end":2376.4749,"sentiment":"neutral","sentiment_score":-0.09205040335655212},{"text":"Worst comes to worst, if anything did come out of it, we can just look doing some form of top ups and things like that as well.","start":2376.4749,"end":2381.55,"sentiment":"neutral","sentiment_score":-0.2848170570753239}],"sentiment":"neutral","sentiment_score":-0.06081247014705749,"num_words":136,"start":2343.705,"end":2381.55},{"sentences":[{"text":"But as far as because did you get the forms come through in that email there, Craig?","start":2382.89,"end":2387.55,"sentiment":"neutral","sentiment_score":0.009631693253622335},{"text":"That's perfectly fine.","start":2392.535,"end":2393.575,"sentiment":"positive","sentiment_score":0.37007778882980347},{"text":"I'll just run through the forms that are there for you, and I'll shoot you an email with that that budget planner, I believe.","start":2393.575,"end":2399.4148,"sentiment":"neutral","sentiment_score":0.31121238072713214},{"text":"I'll get my colleague to send out the beneficiary forms when she gets a a chance there for you.","start":2399.4148,"end":2403.9148,"sentiment":"neutral","sentiment_score":0.2831993181454508},{"text":"But in regards to documents that will be in that, so the signable ones, there would be the ongoing service agreement if you are happy to stay on board as a client and are happy to have the service for the next twelve months.","start":2404.615,"end":2414.9402,"sentiment":"positive","sentiment_score":0.3382349144879051}],"sentiment":"neutral","sentiment_score":0.27108591188302383,"num_words":107,"start":2382.89,"end":2414.9402},{"sentences":[{"text":"The next one after that would be tax file opt in form, just where we store your tax file number.","start":2414.9402,"end":2419.4202,"sentiment":"neutral","sentiment_score":0.06672951485961676},{"text":"It's just been changed for, you know, compliance purposes.","start":2419.4202,"end":2422.115,"sentiment":"neutral","sentiment_score":0.08658709956540002},{"text":"They've just updated the form.","start":2422.115,"end":2423.315,"sentiment":"neutral","sentiment_score":0.13584968596696853},{"text":"So that's where we store your tax file number and has been updated that needs to be signed.","start":2423.315,"end":2426.695,"sentiment":"neutral","sentiment_score":0.1862256998817126},{"text":"So you're still happy for that.","start":2426.9949,"end":2428.355,"sentiment":"positive","sentiment_score":0.7634374996026357}],"sentiment":"neutral","sentiment_score":0.18492776238969688,"num_words":58,"start":2414.9402,"end":2428.355},{"sentences":[{"text":"And then with the attachments, you have a Vanguard index chart, show you sort of the ups and downs in the market.","start":2428.355,"end":2433.415,"sentiment":"neutral","sentiment_score":0.2441741864789616},{"text":"Then it is a 2025 copy there, so, unfortunately, you won't get the the war on that on the end of that, but you'll be able to see, you know, COVID dip.","start":2433.66,"end":2441.26,"sentiment":"neutral","sentiment_score":-0.02355553046800196},{"text":"You'll be able to see out recovered from that.","start":2441.26,"end":2442.6199,"sentiment":"neutral","sentiment_score":0.13948982374535668},{"text":"You'll be able to see the tariff talk within regards to Trump and everything as well and how the markets have sort of fed since that to just sort of give you a highlight of how markets do behave over time.","start":2442.6199,"end":2452.935,"sentiment":"neutral","sentiment_score":0.24722041698490702},{"text":"You do have that twelve month performance, as I said, not too fantastic.","start":2453.395,"end":2456.535,"sentiment":"neutral","sentiment_score":0.0699429655304322}],"sentiment":"neutral","sentiment_score":0.14460477939782998,"num_words":117,"start":2428.355,"end":2456.535},{"sentences":[{"text":"It's only the two funds that caused that, though, and it's mainly due to your high waiting in that managed fund, which we'll look to sort of adjust there moving forward.","start":2456.595,"end":2466.75,"sentiment":"neutral","sentiment_score":-0.09705609647977737},{"text":"You'll have a COC for the NEOS policy as well.","start":2466.81,"end":2469.05,"sentiment":"neutral","sentiment_score":0.09700383916497231},{"text":"We have a little summary of your super insurance, and then you'll have the utmost up to date financial service and OQ services guide if you did wanna review that with the business changes and everything.","start":2469.05,"end":2478.25,"sentiment":"neutral","sentiment_score":0.2358557213511732},{"text":"And are you currently receiving the the email updates there as well with everything that has been changing, Craig?","start":2478.25,"end":2485.2651,"sentiment":"neutral","sentiment_score":0.08368502086714695},{"text":"Are you part of the each month, they send out a bit of an a newsletter from Oakview.","start":2485.2651,"end":2490.5652,"sentiment":"neutral","sentiment_score":0.026282673339462943}],"sentiment":"neutral","sentiment_score":0.07469481478951741,"num_words":114,"start":2456.595,"end":2490.5652},{"sentences":[{"text":"Yes.","start":2508.895,"end":2509.215,"sentiment":"neutral","sentiment_score":-0.09470415860414504},{"text":"So each month, you do get just an email update on sort of business changes, things that are changing there as well just to be able to review that and make sure that if anything is occurring, you're sort of aware of it that is changing with the business because as I said, there has been a few quite a few changes there for you.","start":2509.215,"end":2526.03,"sentiment":"neutral","sentiment_score":0.021849440955198727},{"text":"In regards to that as well, I just wanna double check your partner.","start":2528.265,"end":2532.265,"sentiment":"neutral","sentiment_score":-0.00349424177637467},{"text":"She's not a client with us at the moment, is she there, Craig?","start":2532.265,"end":2535.4849,"sentiment":"neutral","sentiment_score":-0.07016611041931006},{"text":"Yeah.","start":2536.905,"end":2537.145,"sentiment":"neutral","sentiment_score":0.010403387248516084}],"sentiment":"neutral","sentiment_score":0.004068046367617064,"num_words":93,"start":2508.895,"end":2537.145},{"sentences":[{"text":"Okay.","start":2537.145,"end":2537.545,"sentiment":"neutral","sentiment_score":0.0915776789188385},{"text":"That's that's fine.","start":2537.545,"end":2538.665,"sentiment":"neutral","sentiment_score":0.29850931962331134},{"text":"I'll just ask because they do currently have a coupling fee going on, and with the change in CRMs that we're using, it's some of the linkings and stuff didn't come across.","start":2538.665,"end":2547.26,"sentiment":"neutral","sentiment_score":0.04587881802581251},{"text":"So if your partner is on board, it does drop the fees down to 1.1% at the moment, which is fantastic.","start":2547.26,"end":2553.5,"sentiment":"positive","sentiment_score":0.5246932109196981},{"text":"If she's happy doing her own thing, that's more than fine.","start":2553.5,"end":2555.74,"sentiment":"positive","sentiment_score":0.548203086311167}],"sentiment":"neutral","sentiment_score":0.28682381166693044,"num_words":68,"start":2537.145,"end":2555.74},{"sentences":[{"text":"But, also, if you do refer people on, they do have the referral program still running.","start":2555.74,"end":2562.565,"sentiment":"neutral","sentiment_score":0.3330049719661474},{"text":"So if you're talking to colleagues, friends, family, things like that, and do refer Oakview as a, you know, trusted partner there that you're happy to refer us onto if they did come on board through your referral.","start":2562.565,"end":2571.685,"sentiment":"positive","sentiment_score":0.4460502580592507},{"text":"You get a $100 gift card at the moment.","start":2571.685,"end":2573.91,"sentiment":"positive","sentiment_score":0.46946796774864197},{"text":"So if you are putting the name out there and having conversations with people, make sure they say you're you're the one that sent them.","start":2573.91,"end":2579.75,"sentiment":"neutral","sentiment_score":0.3327525234222412},{"text":"Just you might get a bit of free money out of it.","start":2579.75,"end":2581.93,"sentiment":"positive","sentiment_score":0.3590855821967125}],"sentiment":"positive","sentiment_score":0.3913104113936424,"num_words":100,"start":2555.74,"end":2581.93},{"sentences":[{"text":"Not a problem.","start":2584.31,"end":2585.3699,"sentiment":"neutral","sentiment_score":0.15070876479148865},{"text":"Is there anything else that you want to have a chat with me about, Craig, in regards to the superannuation, how that did perform, the you know, anything else that we covered that you wanted to have a bit more conversation about?","start":2586.4448,"end":2596.9448,"sentiment":"neutral","sentiment_score":0.08172774447926454},{"text":"Yep.","start":2603.34,"end":2603.84,"sentiment":"neutral","sentiment_score":-0.09654201567173004},{"text":"If you're happy with everything.","start":2633.37,"end":2634.57,"sentiment":"neutral","sentiment_score":0.18683330714702606},{"text":"Correct?","start":2634.57,"end":2634.8901,"sentiment":"neutral","sentiment_score":0.15371713042259216}],"sentiment":"neutral","sentiment_score":0.09376986948056863,"num_words":52,"start":2584.31,"end":2634.8901},{"sentences":[{"text":"Yep.","start":2634.8901,"end":2635.305,"sentiment":"neutral","sentiment_score":0.04454518482089043},{"text":"I think you covered it pretty well.","start":2641.145,"end":2642.665,"sentiment":"neutral","sentiment_score":0.040817687554018836},{"text":"So yeah.","start":2642.665,"end":2643.4849,"sentiment":"neutral","sentiment_score":0.05577458627521992},{"text":"No.","start":2643.625,"end":2643.785,"sentiment":"neutral","sentiment_score":-0.06329426169395447},{"text":"That's fine.","start":2643.785,"end":2644.605,"sentiment":"neutral","sentiment_score":0.004540775902569294}],"sentiment":"neutral","sentiment_score":0.029815804643126633,"num_words":13,"start":2634.8901,"end":2644.605},{"sentences":[{"text":"Yeah.","start":2659.815,"end":2660.2148,"sentiment":"neutral","sentiment_score":-0.07120931148529053},{"text":"As I said, it was a bit of a double whammy with that underlying performance of that asset in the fund and then the world events that is occurring.","start":2660.2148,"end":2666.7148,"sentiment":"neutral","sentiment_score":-0.23982896694335445},{"text":"And it was just a bit unfortunate that the one asset that wasn't really performing too fantastic in the portfolio is the one that you're most heavily weighted in there.","start":2666.775,"end":2675.15,"sentiment":"negative","sentiment_score":-0.44269730846087135},{"text":"So we'll look at adjusting that and sort of moving that forward to where if something like that does happen, you don't have such an aggressive sort of weighting towards one particular thing that is a managed fund that does carry that sort of financial risk.","start":2675.45,"end":2689.15,"sentiment":"neutral","sentiment_score":-0.2150848102958306},{"text":"No problem, Craig.","start":2692.205,"end":2693.3452,"sentiment":"neutral","sentiment_score":0.30601051449775696}],"sentiment":"neutral","sentiment_score":-0.2686517278604004,"num_words":109,"start":2659.815,"end":2693.3452},{"sentences":[{"text":"Well, if you don't have anything for me there, I'll let you get back to your morning.","start":2693.5652,"end":2697.0051,"sentiment":"neutral","sentiment_score":0.1289445648298544},{"text":"I'm probably taking up enough time here already.","start":2697.0051,"end":2698.685,"sentiment":"neutral","sentiment_score":0.14899392426013947},{"text":"But if you do have any questions, feel free to respond to that email or give us call with any of those documents once you do have a chance to go through a little look through them.","start":2698.685,"end":2705.6401,"sentiment":"neutral","sentiment_score":0.1585080361849553},{"text":"Obviously, if you're happy to stay on board for another twelve months, that's ongoing service agreement to that and then the expected fee within regards to that for the twelve month period.","start":2706.1,"end":2714.36,"sentiment":"neutral","sentiment_score":0.205362509470433},{"text":"It is a non locking contract too, so at any point you did feel like you're not getting the most out of the service, you don't feel like you have to be trapped as well, just for a bit of peace of mind.","start":2715.075,"end":2722.275,"sentiment":"neutral","sentiment_score":0.17803845052109207}],"sentiment":"neutral","sentiment_score":0.17135810226637083,"num_words":137,"start":2693.5652,"end":2722.275},{"sentences":[{"text":"But, otherwise, I'll leave you to those documents that I review on your own time, Craig, and I'm sure we'll be talking soon.","start":2722.275,"end":2727.9749,"sentiment":"neutral","sentiment_score":0.14591310723968173},{"text":"No problem at all, Craig.","start":2730.95,"end":2731.75,"sentiment":"positive","sentiment_score":0.45631582736968995},{"text":"Thanks for your time.","start":2731.75,"end":2732.39,"sentiment":"positive","sentiment_score":0.6885098963975906},{"text":"Bye now.","start":2732.39,"end":2733.05,"sentiment":"positive","sentiment_score":0.3741495758295059}],"sentiment":"neutral","sentiment_score":0.26882115707677956,"num_words":34,"start":2722.275,"end":2733.05}]}}]},{"alternatives":[{"transcript":"No. Apologies. I didn't pick up the first two times you tried to reach out to me. I was I had stepped out for a second, and I forgot that I had a 09:00. Yep. As best as any. Yep. Yes. That's correct. Yes. That's correct. Do you have it as Amanda Cook or Amanda Cameron? Yep. Nope. That's correct. My life insurance has it incorrect, and I need to update that. And you had sent me the yeah. You sent me the forms previously about two years ago. Would they still be valid, or would it be better for you to send me fresh ones? No. I've got access to a printer. Yeah. That's perfect. Yeah. So so I'm still in the same industry. So I'm still a in the railway industry doing engineering. The system engineering is essentially just project engineering is with what you'd also classify it as where you're just taking the customer requirements, breaking them down into individual chunks, selecting the components and systems that would satisfy those requirements, and then showing proof and evidence that the that it meets the requirements, and then test and make sure it works correctly. Not anymore. I haven't done that in four or five years. Yeah. 100% in office. Like I said, I might do that once a year at best. Even then, that's probably pushing it nowadays. And, no, I wouldn't be involved in any hazardous materials or anything like that. No. So I was at Siemens, but I've now moved over to Hyundai Rotem Corporation. So I've been with this company for just over sixteen months, and then I've been in the railway industry about seventeen years. I do thirty eight hours and only thirty eight hours. Before tax or after tax? $1.85 is what my income is meant to be before taxes. 100 and 80 five thousand. No bonuses. I would say it's not good. I I we we were having money issues last year, so we were trying to to reorganize them. We haven't worked out what our expenditures reduce that. I think we are probably expending 80% of our income per week. Yeah. So what I've done is I've set up four offset accounts against the mortgage. One where the our our, sorry, where our pay gets put in. Again, that's our general use account. I then have two savings account for one for each of the kids and a savings account for just a general savings account. And then I've automated it to set up to put in I think it's a 150 in each of the kids' account per week. No. Per month. Is it per month? No. It's per week. So $100 per week into each of the kids' account and then a $100 $400 per week into the savings account. So about $600 a week we set aside. Is that right? Sorry. Hang on. Let me just open up the banking app app, and then I can just that sounds too much, but then saying it's per month, it sounds too little. We're just kinda winging it. Yeah. Yeah. I'm not gonna say no to that. Okay. So no. Okay. So it's it's 6 where's the other two accounts? Yeah. It's sorry. 600 a month we set aside into to separate accounts, separate to whatever goes into the savings account. Sorry. For the kids I've for the kids I put in a $100 a month into the savings account, I put in $400 a month. So and then the rest just sits in the everyday offset account. I haven't really thought about doing the only salary sacrifice that I'd ever considered is if I could get to salary sacrifice into the mortgage or into a car loan. But I know you can only do, yeah, like a novated lease. But I couldn't couldn't get a good deal for the novated lease. And unless you're a government employee, you can't really offset into a mortgage. That's an EBA. No. We don't. No. We don't have a union. Yeah. No. It's when you get up into, like, the end the engineering world generally doesn't do that as much as the more the trade industries, generally, because we we expect that as part of our base contract anyways, and that's negotiated at the contract phase. So that's per person. Yeah. About 1.1 to 1.2 is somewhere around the range it would be. 413,000. No. So there is redraw available on both of those because I overpay them. So the so I've got two home loans because one was fixed and one was variable, but they're both variable at the moment. And they both have about 15,000 in redraw, so about $30,000 in total for redraw. The splits is twenty five seventy five. So 25 in the variable, 75 was in the fixed, but it's now variable because there's no good fixed deals at the moment. Probably when the rates start to come down a little bit. I don't really wanna lock in a fixed term rate if the the rates are gonna stay the same or potentially go down. I'd rather wait till the rates go down a little bit better before I try and lock that in. Yep. The the last so I spoke to my mortgage broker probably about a year and a half ago. He rang me up to do just a general check to see how he was doing to see if he could get me a better deal. At the time, I told him, so my interest rate on both of them are 5.4%. And at the time, when I told him, he said that he couldn't get me any better rate, and that was a a decent rate for but a really good rate for CBA. So we just left it. Yeah. Yeah. Yeah. No. I understand. I had gone to two years ago when the rates were starting to get high, I'd gone to CBA. And when I spoke to them because I was creating the additional offset accounts for my kids' savings, they gave me an additional discount on both the interest rates. So I think I'd probably try that first, go speak with CBA and see if I can if they give me another discount. And then barring if that fails, I would then go to a mortgage broker like yourselves or the one I've been for previously. Yeah. Yeah. Yeah. So right. The offset is the kind of the safe approach, and what you're referring to is going with a slightly more risky approach and trying to see if we can get a better return on it. Yeah. Okay. Yeah. That's well, that's kinda why I point put it as an offset, then at least it's not taxed. Yeah. I'm I'm happy with the way that is for the moment because it keeps it simple. Just the everyday account is at 52,000. So you mean the savings account? 6,700.0. So 6,700. Yeah. So one of them is at 13,500, and the other one is at 8,100. Yes. So it's paid off now. So the savings offset account is is there for, I guess, emergency funds and vacations. The everyday account, obviously, is your everyday bills, but then it's at 52,000. We're looking at renovating the bathroom or we've agreed to renovate the bathroom. So 25 of that will be set aside to renovate the bathroom at the moment. I certainly would like to consider a rental and investment property. That would be kinda after the bathroom's renovated because at the moment, it's not that bathroom's nonfunctional. Yeah. I'd probably be starting to look towards an investment property. Sure. The investment property is probably a little bit longer. Shorter term, probably not. I think we're pretty comfortable where we're at. Yeah. So last like I said, last year, we were we realized halfway through the year that we're spending more money than than we're bringing in. So our main goal of last year for the short term was to to bring that back in and have this the the money coming in be greater than the money going out. And I think we've achieved that at this point. And then beyond the renovations, we hadn't really discussed anything further. There was nothing either critical or specifically wanted. No. So that portfolio so when the second child came around, we found that we were needing a a bigger vehicle. So we traded in one of the vehicles and used the portfolio to buy to to pay for a vehicle outright. No. I've never declared bankruptcy. Not at the moment. I was a couple of years ago, but not at the moment. Oh, god. No. Only in the essence that my son seems to have something benign on him, but we need to get checked and confirmed that it's benign. Myself is fine. I'm taking medications to to manage an ongoing condition. It's sorry. No. No. I'm just just getting the right term. So it's called IBD inflammatory bowel disease. Well, Crohn's is underneath that, but, no, it's not Crohn's specifically. It's ulcerative colitis. It's a specific variant that I'm referring to. It's like Crohn's, just as a in a different part of the bowels. When did I get my insurances with you guys? It's been quite a few years now. I can't recall, to be honest. I I have been I I think it would have been somewhere around 2021 that I got diagnosed, but I couldn't give you the exact date of hang on. Let me check. Look. I officially got diagnosed in 2021, but I had known I had issues before that. And I would have likely disclosed it, but I never had an official diagnosis until 2021. Yes. I do. No. I never set one up. My wife talked about it and it bugged me for it, but then life got in the way and we never got one done. Sure. I'm okay with you sending me some information. Yeah. I'm assuming we're gonna talk about the how the super is doing next anyway, so I'll I'll I'll hold my tongue until then. I would say yes. Because looking at the way my how much is in my super and the fact that I only started contributing to once I was I think in later in my twenties. So I'm late to the game in the Australian event. And noting the fact that I did look at the super account last week, and I had note would note that as of last year, it's down comparatively. So I'm I'm more than happy to go with the riskier approach. I'm happy with the approach we have or slightly riskier approach. Considering a Supra is designed for something that I won't be able to access till I'm 60, which is another twenty years for me. I'm more geared towards the long term growth of it so that when I get to that point that there is a greater chance of it to be higher. No. Because so, overall, I've been happy with the performance of the Netwealth account and your work in managing it because we've seen some ups and we've seen some downs. And I think overall, NetWise, it's up across the I don't know. The the six years I've been with you guys. I'm not confident in my ability to man to select the correct shares. And I don't have the mental well, the mental drive because I just don't find shares, and that's an interesting topic to go and do the background research necessary to to actually do investments. Yes. Yeah. I think so. It's heavy. So what's been the loan? Okay. Yes. So I agree with your assessment on the basis that you are the expert in this area. That's the reason I'm going with a financial your financial services is so that you can manage those things and advise me. And if you believe there is a concern with the way it's currently set up, I am more than happy for you to make adjustments necessary to to bring it into a better position. Is is that before or after tax? Yeah. But sorry. Sorry. What I meant by that is so currently, after taxes, I mean, per month, I clear about maybe 11,000. Okay. That that's that's why I was clarifying. You're referring to pretax dollars. Yeah. Okay. Yep. I think if something were to happen at the moment, it would be a bit tight, but I believe I think we could still make it work. I I think at this time so I looked at the other day, and I think at this time, I would be happy to maybe reassess it next year. Yeah. Yep. Yep. Yeah. I think at this stage, I don't particularly think that interests me. But if we are going to be reassessing it next year for the total package for the the life and death and permanent disability and income protection, then it'd probably be something we can discuss at that stage. Yep. Yep. Yes. But at the moment, I'm on a phone, so I can't really do too much. Yep. Yep. Yep. Email updates? Yes. It appears I am being spammed. No. She's not. Okay. No. Not a problem. So let's see. The performance was bad for reasons x, y, and z. I accept. Fair enough. You noted that the ratio of the distribution of the funds within the Netwealth Super has it loaded on a poor performing item that may need to be adjusted, and you will go off and investigate what the best solution would be and are going to provide me a document that states that for me to review and sign. I know I didn't say it exactly the way you said it, but yes. You know? No. I understand that some years are gonna be worse than others and noting that Trump is not making it easy for anyone. 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Apologies. I didn't pick up the first two times you tried to reach out to me. I was I had stepped out for a second, and I forgot that I had a 09:00. Yep.\n\nAs best as any. Yep. Yes. That's correct. Yes.\n\nThat's correct. Do you have it as Amanda Cook or Amanda Cameron? Yep. Nope. That's correct.\n\nMy life insurance has it incorrect, and I need to update that. And you had sent me the yeah. You sent me the forms previously about two years ago. Would they still be valid, or would it be better for you to send me fresh ones? No.\n\nI've got access to a printer. Yeah. That's perfect. Yeah. So so I'm still in the same industry.\n\nSo I'm still a in the railway industry doing engineering. The system engineering is essentially just project engineering is with what you'd also classify it as where you're just taking the customer requirements, breaking them down into individual chunks, selecting the components and systems that would satisfy those requirements, and then showing proof and evidence that the that it meets the requirements, and then test and make sure it works correctly. Not anymore. I haven't done that in four or five years. Yeah.\n\n100% in office. Like I said, I might do that once a year at best. Even then, that's probably pushing it nowadays. And, no, I wouldn't be involved in any hazardous materials or anything like that. No.\n\nSo I was at Siemens, but I've now moved over to Hyundai Rotem Corporation. So I've been with this company for just over sixteen months, and then I've been in the railway industry about seventeen years. I do thirty eight hours and only thirty eight hours. Before tax or after tax? $1.85 is what my income is meant to be before taxes.\n\n100 and 80 five thousand. No bonuses. I would say it's not good. I I we we were having money issues last year, so we were trying to to reorganize them. We haven't worked out what our expenditures reduce that.\n\nI think we are probably expending 80% of our income per week. Yeah. So what I've done is I've set up four offset accounts against the mortgage. One where the our our, sorry, where our pay gets put in. Again, that's our general use account.\n\nI then have two savings account for one for each of the kids and a savings account for just a general savings account. And then I've automated it to set up to put in I think it's a 150 in each of the kids' account per week. No. Per month. Is it per month?\n\nNo. It's per week. So $100 per week into each of the kids' account and then a $100 $400 per week into the savings account. So about $600 a week we set aside. Is that right?\n\nSorry. Hang on. Let me just open up the banking app app, and then I can just that sounds too much, but then saying it's per month, it sounds too little. We're just kinda winging it. Yeah.\n\nYeah. I'm not gonna say no to that. Okay. So no. Okay.\n\nSo it's it's 6 where's the other two accounts? Yeah. It's sorry. 600 a month we set aside into to separate accounts, separate to whatever goes into the savings account. Sorry.\n\nFor the kids I've for the kids I put in a $100 a month into the savings account, I put in $400 a month. So and then the rest just sits in the everyday offset account. I haven't really thought about doing the only salary sacrifice that I'd ever considered is if I could get to salary sacrifice into the mortgage or into a car loan. But I know you can only do, yeah, like a novated lease. But I couldn't couldn't get a good deal for the novated lease.\n\nAnd unless you're a government employee, you can't really offset into a mortgage. That's an EBA. No. We don't. No.\n\nWe don't have a union. Yeah. No. It's when you get up into, like, the end the engineering world generally doesn't do that as much as the more the trade industries, generally, because we we expect that as part of our base contract anyways, and that's negotiated at the contract phase. So that's per person.\n\nYeah. About 1.1 to 1.2 is somewhere around the range it would be. 413,000. No. So there is redraw available on both of those because I overpay them.\n\nSo the so I've got two home loans because one was fixed and one was variable, but they're both variable at the moment. And they both have about 15,000 in redraw, so about $30,000 in total for redraw. The splits is twenty five seventy five. So 25 in the variable, 75 was in the fixed, but it's now variable because there's no good fixed deals at the moment. Probably when the rates start to come down a little bit.\n\nI don't really wanna lock in a fixed term rate if the the rates are gonna stay the same or potentially go down. I'd rather wait till the rates go down a little bit better before I try and lock that in. Yep. The the last so I spoke to my mortgage broker probably about a year and a half ago. He rang me up to do just a general check to see how he was doing to see if he could get me a better deal.\n\nAt the time, I told him, so my interest rate on both of them are 5.4%. And at the time, when I told him, he said that he couldn't get me any better rate, and that was a a decent rate for but a really good rate for CBA. So we just left it. Yeah. Yeah.\n\nYeah. No. I understand. I had gone to two years ago when the rates were starting to get high, I'd gone to CBA. And when I spoke to them because I was creating the additional offset accounts for my kids' savings, they gave me an additional discount on both the interest rates.\n\nSo I think I'd probably try that first, go speak with CBA and see if I can if they give me another discount. And then barring if that fails, I would then go to a mortgage broker like yourselves or the one I've been for previously. Yeah. Yeah. Yeah.\n\nSo right. The offset is the kind of the safe approach, and what you're referring to is going with a slightly more risky approach and trying to see if we can get a better return on it. Yeah. Okay. Yeah.\n\nThat's well, that's kinda why I point put it as an offset, then at least it's not taxed. Yeah. I'm I'm happy with the way that is for the moment because it keeps it simple. Just the everyday account is at 52,000. So you mean the savings account?\n\n6,700.0. So 6,700. Yeah. So one of them is at 13,500, and the other one is at 8,100. Yes.\n\nSo it's paid off now. So the savings offset account is is there for, I guess, emergency funds and vacations. The everyday account, obviously, is your everyday bills, but then it's at 52,000. We're looking at renovating the bathroom or we've agreed to renovate the bathroom. So 25 of that will be set aside to renovate the bathroom at the moment.\n\nI certainly would like to consider a rental and investment property. That would be kinda after the bathroom's renovated because at the moment, it's not that bathroom's nonfunctional. Yeah. I'd probably be starting to look towards an investment property. Sure.\n\nThe investment property is probably a little bit longer. Shorter term, probably not. I think we're pretty comfortable where we're at. Yeah. So last like I said, last year, we were we realized halfway through the year that we're spending more money than than we're bringing in.\n\nSo our main goal of last year for the short term was to to bring that back in and have this the the money coming in be greater than the money going out. And I think we've achieved that at this point. And then beyond the renovations, we hadn't really discussed anything further. There was nothing either critical or specifically wanted. No.\n\nSo that portfolio so when the second child came around, we found that we were needing a a bigger vehicle. So we traded in one of the vehicles and used the portfolio to buy to to pay for a vehicle outright. No. I've never declared bankruptcy. Not at the moment.\n\nI was a couple of years ago, but not at the moment. Oh, god. No. Only in the essence that my son seems to have something benign on him, but we need to get checked and confirmed that it's benign. Myself is fine.\n\nI'm taking medications to to manage an ongoing condition. It's sorry. No. No. I'm just just getting the right term.\n\nSo it's called IBD inflammatory bowel disease. Well, Crohn's is underneath that, but, no, it's not Crohn's specifically. It's ulcerative colitis. It's a specific variant that I'm referring to. It's like Crohn's, just as a in a different part of the bowels.\n\nWhen did I get my insurances with you guys? It's been quite a few years now. I can't recall, to be honest. I I have been I I think it would have been somewhere around 2021 that I got diagnosed, but I couldn't give you the exact date of hang on. Let me check.\n\nLook. I officially got diagnosed in 2021, but I had known I had issues before that. And I would have likely disclosed it, but I never had an official diagnosis until 2021. Yes. I do.\n\nNo. I never set one up. My wife talked about it and it bugged me for it, but then life got in the way and we never got one done. Sure. I'm okay with you sending me some information.\n\nYeah. I'm assuming we're gonna talk about the how the super is doing next anyway, so I'll I'll I'll hold my tongue until then. I would say yes. Because looking at the way my how much is in my super and the fact that I only started contributing to once I was I think in later in my twenties. So I'm late to the game in the Australian event.\n\nAnd noting the fact that I did look at the super account last week, and I had note would note that as of last year, it's down comparatively. So I'm I'm more than happy to go with the riskier approach. I'm happy with the approach we have or slightly riskier approach. Considering a Supra is designed for something that I won't be able to access till I'm 60, which is another twenty years for me. I'm more geared towards the long term growth of it so that when I get to that point that there is a greater chance of it to be higher.\n\nNo. Because so, overall, I've been happy with the performance of the Netwealth account and your work in managing it because we've seen some ups and we've seen some downs. And I think overall, NetWise, it's up across the I don't know. The the six years I've been with you guys. I'm not confident in my ability to man to select the correct shares.\n\nAnd I don't have the mental well, the mental drive because I just don't find shares, and that's an interesting topic to go and do the background research necessary to to actually do investments. Yes. Yeah. I think so. It's heavy.\n\nSo what's been the loan? Okay. Yes. So I agree with your assessment on the basis that you are the expert in this area. That's the reason I'm going with a financial your financial services is so that you can manage those things and advise me.\n\nAnd if you believe there is a concern with the way it's currently set up, I am more than happy for you to make adjustments necessary to to bring it into a better position. Is is that before or after tax? Yeah. But sorry. Sorry.\n\nWhat I meant by that is so currently, after taxes, I mean, per month, I clear about maybe 11,000. Okay. That that's that's why I was clarifying. You're referring to pretax dollars. Yeah.\n\nOkay. Yep. I think if something were to happen at the moment, it would be a bit tight, but I believe I think we could still make it work. I I think at this time so I looked at the other day, and I think at this time, I would be happy to maybe reassess it next year. Yeah.\n\nYep. Yep. Yeah. I think at this stage, I don't particularly think that interests me. But if we are going to be reassessing it next year for the total package for the the life and death and permanent disability and income protection, then it'd probably be something we can discuss at that stage.\n\nYep. Yep. Yes. But at the moment, I'm on a phone, so I can't really do too much. Yep.\n\nYep. Yep. Email updates? Yes. It appears I am being spammed.\n\nNo. She's not. Okay. No. Not a problem.\n\nSo let's see. The performance was bad for reasons x, y, and z. I accept. Fair enough. You noted that the ratio of the distribution of the funds within the Netwealth Super has it loaded on a poor performing item that may need to be adjusted, and you will go off and investigate what the best solution would be and are going to provide me a document that states that for me to review and sign.\n\nI know I didn't say it exactly the way you said it, but yes. You know? No. I understand that some years are gonna be worse than others and noting that Trump is not making it easy for anyone. And, yeah, that's fine.\n\nThat's expected. Yep. Okay. That's not a problem. Thank you.\n\nNo problem. Thank you for that. Alright. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"No.","start":4.0,"end":4.48,"sentiment":"neutral","sentiment_score":-0.1568652093410492},{"text":"Apologies.","start":4.48,"end":4.96,"sentiment":"neutral","sentiment_score":-0.2884193956851959},{"text":"I didn't pick up the first two times you tried to reach out to me.","start":4.96,"end":7.6,"sentiment":"neutral","sentiment_score":-0.17773492534955343},{"text":"I was I had stepped out for a second, and I forgot that I had a 09:00.","start":7.6,"end":11.62,"sentiment":"neutral","sentiment_score":-0.11145699637777665},{"text":"Yep.","start":15.845,"end":16.244999,"sentiment":"neutral","sentiment_score":0.1761804223060608}],"sentiment":"neutral","sentiment_score":-0.13799705718244826,"num_words":35,"start":4.0,"end":16.244999},{"sentences":[{"text":"As best as any.","start":16.244999,"end":17.385,"sentiment":"neutral","sentiment_score":0.2523402161896229},{"text":"Yep.","start":49.774998,"end":50.274998,"sentiment":"neutral","sentiment_score":0.1736191213130951},{"text":"Yes.","start":57.454998,"end":57.695,"sentiment":"neutral","sentiment_score":0.08524477481842041},{"text":"That's correct.","start":57.695,"end":58.515,"sentiment":"neutral","sentiment_score":0.11700935661792755},{"text":"Yes.","start":64.78,"end":65.1,"sentiment":"neutral","sentiment_score":0.1819596886634827}],"sentiment":"neutral","sentiment_score":0.18713368475437164,"num_words":9,"start":16.244999,"end":65.1},{"sentences":[{"text":"That's correct.","start":65.1,"end":71.5,"sentiment":"neutral","sentiment_score":0.2649982590228319},{"text":"Do you have it as Amanda Cook or Amanda Cameron?","start":71.5,"end":74.215,"sentiment":"neutral","sentiment_score":0.022136567160487175},{"text":"Yep.","start":76.435,"end":76.755,"sentiment":"neutral","sentiment_score":0.03940477222204208},{"text":"Nope.","start":76.755,"end":77.075,"sentiment":"neutral","sentiment_score":0.02323502860963345},{"text":"That's correct.","start":77.075,"end":77.814995,"sentiment":"neutral","sentiment_score":0.07638819888234138}],"sentiment":"neutral","sentiment_score":0.06042364926543087,"num_words":16,"start":65.1,"end":77.814995},{"sentences":[{"text":"My life insurance has it incorrect, and I need to update that.","start":80.515,"end":84.615,"sentiment":"neutral","sentiment_score":-0.04304181815435489},{"text":"And you had sent me the yeah.","start":84.91499,"end":90.049995,"sentiment":"neutral","sentiment_score":0.01417807356587478},{"text":"You sent me the forms previously about two years ago.","start":90.049995,"end":93.009995,"sentiment":"neutral","sentiment_score":-0.00744827426970005},{"text":"Would they still be valid, or would it be better for you to send me fresh ones?","start":93.009995,"end":96.31,"sentiment":"neutral","sentiment_score":0.00169033305171658},{"text":"No.","start":107.335,"end":107.655,"sentiment":"neutral","sentiment_score":-0.032306864857673645}],"sentiment":"neutral","sentiment_score":-0.010538494650353777,"num_words":47,"start":80.515,"end":107.655},{"sentences":[{"text":"I've got access to a printer.","start":107.655,"end":109.034996,"sentiment":"neutral","sentiment_score":0.07989888886610667},{"text":"Yeah.","start":114.454994,"end":114.695,"sentiment":"neutral","sentiment_score":0.23445022106170657},{"text":"That's perfect.","start":114.695,"end":115.435,"sentiment":"positive","sentiment_score":0.5212757438421249},{"text":"Yeah.","start":131.905,"end":132.305,"sentiment":"neutral","sentiment_score":0.026922356337308884},{"text":"So so I'm still in the same industry.","start":132.305,"end":135.285,"sentiment":"neutral","sentiment_score":0.02589006070047617}],"sentiment":"neutral","sentiment_score":0.11057988243798415,"num_words":18,"start":107.655,"end":135.285},{"sentences":[{"text":"So I'm still a in the railway industry doing engineering.","start":136.145,"end":142.08499,"sentiment":"neutral","sentiment_score":0.048302240669727325},{"text":"The system engineering is essentially just project engineering is with what you'd also classify it as where you're just taking the customer requirements, breaking them down into individual chunks, selecting the components and systems that would satisfy those requirements, and then showing proof and evidence that the that it meets the requirements, and then test and make sure it works correctly.","start":146.03,"end":171.685,"sentiment":"neutral","sentiment_score":0.11502771195573885},{"text":"Not anymore.","start":184.775,"end":185.675,"sentiment":"neutral","sentiment_score":-0.16763514280319214},{"text":"I haven't done that in four or five years.","start":185.815,"end":189.19499,"sentiment":"neutral","sentiment_score":-0.17162082427077824},{"text":"Yeah.","start":193.655,"end":194.135,"sentiment":"neutral","sentiment_score":0.05805859714746475}],"sentiment":"neutral","sentiment_score":0.06840859914580023,"num_words":83,"start":136.145,"end":194.135},{"sentences":[{"text":"100% in office.","start":194.135,"end":195.435,"sentiment":"neutral","sentiment_score":0.08300806333621343},{"text":"Like I said, I might do that once a year at best.","start":203.05,"end":205.95,"sentiment":"neutral","sentiment_score":-0.04919677103559176},{"text":"Even then, that's probably pushing it nowadays.","start":206.41,"end":208.67,"sentiment":"neutral","sentiment_score":-0.07381583058408328},{"text":"And, no, I wouldn't be involved in any hazardous materials or anything like that.","start":208.89,"end":213.31,"sentiment":"neutral","sentiment_score":-0.10368562622794084},{"text":"No.","start":223.11499,"end":223.435,"sentiment":"neutral","sentiment_score":-0.01827482506632805}],"sentiment":"neutral","sentiment_score":-0.06291679645309577,"num_words":37,"start":194.135,"end":223.435},{"sentences":[{"text":"So I was at Siemens, but I've now moved over to Hyundai Rotem Corporation.","start":223.435,"end":230.5,"sentiment":"neutral","sentiment_score":-0.007039301296962159},{"text":"So I've been with this company for just over sixteen months, and then I've been in the railway industry about seventeen years.","start":243.325,"end":255.505,"sentiment":"neutral","sentiment_score":0.022716508162292568},{"text":"I do thirty eight hours and only thirty eight hours.","start":264.91,"end":267.73,"sentiment":"neutral","sentiment_score":0.11197218298912048},{"text":"Before tax or after tax?","start":276.115,"end":277.815,"sentiment":"neutral","sentiment_score":0.044978919252753255},{"text":"$1.85 is what my income is meant to be before taxes.","start":281.07498,"end":285.255,"sentiment":"neutral","sentiment_score":0.11600299111821434}],"sentiment":"neutral","sentiment_score":0.04873971435271444,"num_words":62,"start":223.435,"end":285.255},{"sentences":[{"text":"100 and 80 five thousand.","start":286.73,"end":288.11002,"sentiment":"neutral","sentiment_score":0.20748816430568695},{"text":"No bonuses.","start":289.77,"end":290.51,"sentiment":"neutral","sentiment_score":-0.14048976451158524},{"text":"I would say it's not good.","start":303.895,"end":305.51498,"sentiment":"negative","sentiment_score":-0.5530524452527364},{"text":"I I we we were having money issues last year, so we were trying to to reorganize them.","start":307.175,"end":313.815,"sentiment":"neutral","sentiment_score":-0.2471254352066252},{"text":"We haven't worked out what our expenditures reduce that.","start":313.815,"end":321.87,"sentiment":"neutral","sentiment_score":-0.24044961565070683}],"sentiment":"neutral","sentiment_score":-0.22935394383966923,"num_words":40,"start":286.73,"end":321.87},{"sentences":[{"text":"I think we are probably expending 80% of our income per week.","start":321.87,"end":335.175,"sentiment":"neutral","sentiment_score":-0.08391817395264904},{"text":"Yeah.","start":340.35498,"end":340.85498,"sentiment":"neutral","sentiment_score":0.006318102590739727},{"text":"So what I've done is I've set up four offset accounts against the mortgage.","start":345.21002,"end":351.07,"sentiment":"neutral","sentiment_score":0.04569901153445244},{"text":"One where the our our, sorry, where our pay gets put in.","start":352.65002,"end":362.86502,"sentiment":"neutral","sentiment_score":0.01971398200839758},{"text":"Again, that's our general use account.","start":363.64502,"end":365.74503,"sentiment":"neutral","sentiment_score":0.13678689176837602}],"sentiment":"neutral","sentiment_score":0.01547500691894028,"num_words":45,"start":321.87,"end":365.74503},{"sentences":[{"text":"I then have two savings account for one for each of the kids and a savings account for just a general savings account.","start":366.52502,"end":377.14,"sentiment":"neutral","sentiment_score":0.11837654690379681},{"text":"And then I've automated it to set up to put in I think it's a 150 in each of the kids' account per week.","start":378.88,"end":393.355,"sentiment":"neutral","sentiment_score":0.05831141242136558},{"text":"No.","start":394.295,"end":394.795,"sentiment":"neutral","sentiment_score":-0.07381531596183777},{"text":"Per month.","start":395.655,"end":396.39502,"sentiment":"neutral","sentiment_score":-0.07071220874786377},{"text":"Is it per month?","start":396.695,"end":397.49503,"sentiment":"neutral","sentiment_score":-0.061448666267096996}],"sentiment":"neutral","sentiment_score":0.06779814959952125,"num_words":54,"start":366.52502,"end":397.49503},{"sentences":[{"text":"No.","start":397.49503,"end":397.99503,"sentiment":"neutral","sentiment_score":-0.10770691186189651},{"text":"It's per week.","start":398.135,"end":398.97,"sentiment":"neutral","sentiment_score":-0.07426847020785014},{"text":"So $100 per week into each of the kids' account and then a $100 $400 per week into the savings account.","start":400.25,"end":406.25,"sentiment":"neutral","sentiment_score":-0.03789303771087101},{"text":"So about $600 a week we set aside.","start":406.25,"end":410.35,"sentiment":"neutral","sentiment_score":-0.017658422701060772},{"text":"Is that right?","start":412.09,"end":412.91,"sentiment":"neutral","sentiment_score":-0.01712539109090964}],"sentiment":"neutral","sentiment_score":-0.03663637970263759,"num_words":36,"start":397.49503,"end":412.91},{"sentences":[{"text":"Sorry.","start":416.125,"end":416.525,"sentiment":"neutral","sentiment_score":-0.0801471620798111},{"text":"Hang on.","start":416.525,"end":417.16498,"sentiment":"neutral","sentiment_score":-0.04726864583790302},{"text":"Let me just open up the banking app app, and then I can just that sounds too much, but then saying it's per month, it sounds too little.","start":417.16498,"end":426.96,"sentiment":"neutral","sentiment_score":-0.16195371866758382},{"text":"We're just kinda winging it.","start":434.30002,"end":436.16,"sentiment":"negative","sentiment_score":-0.33772037625312806},{"text":"Yeah.","start":443.675,"end":444.175,"sentiment":"neutral","sentiment_score":0.06139364466071129}],"sentiment":"neutral","sentiment_score":-0.17125937332575386,"num_words":37,"start":416.125,"end":444.175},{"sentences":[{"text":"Yeah.","start":445.35498,"end":445.85498,"sentiment":"neutral","sentiment_score":-0.02748226560652256},{"text":"I'm not gonna say no to that.","start":446.47498,"end":448.095,"sentiment":"neutral","sentiment_score":-0.17272126461778367},{"text":"Okay.","start":449.675,"end":450.175,"sentiment":"neutral","sentiment_score":-0.011516929604113102},{"text":"So no.","start":450.47498,"end":451.95,"sentiment":"neutral","sentiment_score":-0.04448307864367962},{"text":"Okay.","start":451.95,"end":452.19,"sentiment":"neutral","sentiment_score":-0.01655665971338749}],"sentiment":"neutral","sentiment_score":-0.11279757204465568,"num_words":12,"start":445.35498,"end":452.19},{"sentences":[{"text":"So it's it's 6 where's the other two accounts?","start":452.19,"end":459.41,"sentiment":"neutral","sentiment_score":-0.006924071245723301},{"text":"Yeah.","start":460.83002,"end":461.07,"sentiment":"neutral","sentiment_score":-0.004743550904095173},{"text":"It's sorry.","start":461.07,"end":461.79,"sentiment":"neutral","sentiment_score":-0.02695099450647831},{"text":"600 a month we set aside into to separate accounts, separate to whatever goes into the savings account.","start":461.79,"end":469.42502,"sentiment":"neutral","sentiment_score":-0.00896675263841947},{"text":"Sorry.","start":479.2,"end":479.7,"sentiment":"neutral","sentiment_score":-0.03942190110683441}],"sentiment":"neutral","sentiment_score":-0.010380181604095044,"num_words":31,"start":452.19,"end":479.7},{"sentences":[{"text":"For the kids I've for the kids I put in a $100 a month into the savings account, I put in $400 a month.","start":481.92,"end":491.52002,"sentiment":"neutral","sentiment_score":0.03312573077467581},{"text":"So and then the rest just sits in the everyday offset account.","start":491.52002,"end":497.105,"sentiment":"neutral","sentiment_score":0.05734300830711921},{"text":"I haven't really thought about doing the only salary sacrifice that I'd ever considered is if I could get to salary sacrifice into the mortgage or into a car loan.","start":519.79504,"end":532.29504,"sentiment":"neutral","sentiment_score":-0.1485157646238804},{"text":"But I know you can only do, yeah, like a novated lease.","start":533.76,"end":536.98,"sentiment":"neutral","sentiment_score":-0.02278838793669517},{"text":"But I couldn't couldn't get a good deal for the novated lease.","start":539.12,"end":543.38,"sentiment":"neutral","sentiment_score":-0.23945913960536322}],"sentiment":"neutral","sentiment_score":-0.06799232923270514,"num_words":90,"start":481.92,"end":543.38},{"sentences":[{"text":"And unless you're a government employee, you can't really offset into a mortgage.","start":544.08,"end":547.935,"sentiment":"neutral","sentiment_score":-0.15637082434617555},{"text":"That's an EBA.","start":554.255,"end":555.235,"sentiment":"neutral","sentiment_score":-0.023138745377461117},{"text":"No.","start":560.22,"end":560.45996,"sentiment":"neutral","sentiment_score":-0.16342660784721377},{"text":"We don't.","start":560.45996,"end":561.19995,"sentiment":"neutral","sentiment_score":-0.14761977642774582},{"text":"No.","start":561.89996,"end":561.98,"sentiment":"neutral","sentiment_score":-0.1903153359889984}],"sentiment":"neutral","sentiment_score":-0.13756092246621848,"num_words":20,"start":544.08,"end":561.98},{"sentences":[{"text":"We don't have a union.","start":561.98,"end":563.6,"sentiment":"neutral","sentiment_score":-0.176260370016098},{"text":"Yeah.","start":572.86,"end":573.36,"sentiment":"neutral","sentiment_score":-0.03775615245103836},{"text":"No.","start":582.055,"end":582.53503,"sentiment":"neutral","sentiment_score":-0.14366579055786133},{"text":"It's when you get up into, like, the end the engineering world generally doesn't do that as much as the more the trade industries, generally, because we we expect that as part of our base contract anyways, and that's negotiated at the contract phase.","start":582.53503,"end":600.33,"sentiment":"neutral","sentiment_score":-0.07788045342418957},{"text":"So that's per person.","start":600.33,"end":602.03,"sentiment":"neutral","sentiment_score":0.020026838406920433}],"sentiment":"neutral","sentiment_score":-0.08017011618410999,"num_words":55,"start":561.98,"end":602.03},{"sentences":[{"text":"Yeah.","start":615.00995,"end":615.25,"sentiment":"neutral","sentiment_score":0.09588338434696198},{"text":"About 1.1 to 1.2 is somewhere around the range it would be.","start":615.25,"end":619.19,"sentiment":"neutral","sentiment_score":0.09093517282356818},{"text":"413,000.","start":626.29,"end":627.91,"sentiment":"neutral","sentiment_score":0.016748424619436264},{"text":"No.","start":640.075,"end":640.315,"sentiment":"neutral","sentiment_score":-0.17489439249038696},{"text":"So there is redraw available on both of those because I overpay them.","start":640.315,"end":644.255,"sentiment":"neutral","sentiment_score":-0.275423153088643}],"sentiment":"neutral","sentiment_score":-0.0911264821354832,"num_words":28,"start":615.00995,"end":644.255},{"sentences":[{"text":"So the so I've got two home loans because one was fixed and one was variable, but they're both variable at the moment.","start":646.63,"end":655.13,"sentiment":"neutral","sentiment_score":-0.04988163499080617},{"text":"And they both have about 15,000 in redraw, so about $30,000 in total for redraw.","start":656.07,"end":662.225,"sentiment":"neutral","sentiment_score":-0.027569094300270082},{"text":"The splits is twenty five seventy five.","start":673.05,"end":677.61,"sentiment":"neutral","sentiment_score":-0.02661598872925554},{"text":"So 25 in the variable, 75 was in the fixed, but it's now variable because there's no good fixed deals at the moment.","start":677.61,"end":686.75,"sentiment":"neutral","sentiment_score":-0.11418042923121349},{"text":"Probably when the rates start to come down a little bit.","start":696.745,"end":699.24,"sentiment":"neutral","sentiment_score":-0.15443899550221182}],"sentiment":"neutral","sentiment_score":-0.07686208561062813,"num_words":79,"start":646.63,"end":699.24},{"sentences":[{"text":"I don't really wanna lock in a fixed term rate if the the rates are gonna stay the same or potentially go down.","start":700.12,"end":709.89996,"sentiment":"neutral","sentiment_score":-0.21015246180088623},{"text":"I'd rather wait till the rates go down a little bit better before I try and lock that in.","start":711.56,"end":729.29504,"sentiment":"neutral","sentiment_score":-0.2038687949902133},{"text":"Yep.","start":729.29504,"end":729.78,"sentiment":"neutral","sentiment_score":0.2259623259305954},{"text":"The the last so I spoke to my mortgage broker probably about a year and a half ago.","start":730.98004,"end":736.68005,"sentiment":"neutral","sentiment_score":0.034564141701492995},{"text":"He rang me up to do just a general check to see how he was doing to see if he could get me a better deal.","start":737.62006,"end":745.765,"sentiment":"neutral","sentiment_score":0.15649031503842428}],"sentiment":"neutral","sentiment_score":-0.04356492711124064,"num_words":87,"start":700.12,"end":745.765},{"sentences":[{"text":"At the time, I told him, so my interest rate on both of them are 5.4%.","start":746.22504,"end":753.685,"sentiment":"neutral","sentiment_score":0.03549907146953046},{"text":"And at the time, when I told him, he said that he couldn't get me any better rate, and that was a a decent rate for but a really good rate for CBA.","start":755.66504,"end":765.97,"sentiment":"neutral","sentiment_score":0.09726719829169186},{"text":"So we just left it.","start":768.35,"end":769.935,"sentiment":"neutral","sentiment_score":-0.02783050388097763},{"text":"Yeah.","start":779.535,"end":780.035,"sentiment":"neutral","sentiment_score":0.16146408021450043},{"text":"Yeah.","start":785.74,"end":786.24,"sentiment":"neutral","sentiment_score":0.2564775347709656}],"sentiment":"neutral","sentiment_score":0.07243913897712316,"num_words":56,"start":746.22504,"end":786.24},{"sentences":[{"text":"Yeah.","start":789.42004,"end":789.74,"sentiment":"neutral","sentiment_score":0.056762076914310455},{"text":"No.","start":789.74,"end":789.98004,"sentiment":"neutral","sentiment_score":-0.08937437832355499},{"text":"I understand.","start":789.98004,"end":790.56,"sentiment":"neutral","sentiment_score":-0.0696246363222599},{"text":"I had gone to two years ago when the rates were starting to get high, I'd gone to CBA.","start":790.62,"end":797.26,"sentiment":"neutral","sentiment_score":-0.09243501173822503},{"text":"And when I spoke to them because I was creating the additional offset accounts for my kids' savings, they gave me an additional discount on both the interest rates.","start":797.26,"end":808.385,"sentiment":"neutral","sentiment_score":0.10848467874115911}],"sentiment":"neutral","sentiment_score":0.023421709354107197,"num_words":52,"start":789.42004,"end":808.385},{"sentences":[{"text":"So I think I'd probably try that first, go speak with CBA and see if I can if they give me another discount.","start":813.48505,"end":819.32996,"sentiment":"neutral","sentiment_score":0.01569968494384185},{"text":"And then barring if that fails, I would then go to a mortgage broker like yourselves or the one I've been for previously.","start":820.75,"end":827.49,"sentiment":"neutral","sentiment_score":-0.0640159510076046},{"text":"Yeah.","start":872.84,"end":873.16003,"sentiment":"neutral","sentiment_score":0.11693383753299712},{"text":"Yeah.","start":873.16003,"end":873.66003,"sentiment":"neutral","sentiment_score":0.12486395239830016},{"text":"Yeah.","start":874.36005,"end":874.84,"sentiment":"neutral","sentiment_score":0.13611242175102234}],"sentiment":"neutral","sentiment_score":-0.014966610362943339,"num_words":49,"start":813.48505,"end":874.84},{"sentences":[{"text":"So right.","start":874.84,"end":876.2,"sentiment":"neutral","sentiment_score":0.16808093339204788},{"text":"The offset is the kind of the safe approach, and what you're referring to is going with a slightly more risky approach and trying to see if we can get a better return on it.","start":876.2,"end":885.97504,"sentiment":"neutral","sentiment_score":0.08028142803481647},{"text":"Yeah.","start":918.195,"end":918.595,"sentiment":"neutral","sentiment_score":0.058555178344249725},{"text":"Okay.","start":918.595,"end":919.095,"sentiment":"neutral","sentiment_score":0.12589332461357117},{"text":"Yeah.","start":935.94,"end":936.34,"sentiment":"neutral","sentiment_score":0.041504450142383575}],"sentiment":"neutral","sentiment_score":0.08429912002757192,"num_words":40,"start":874.84,"end":936.34},{"sentences":[{"text":"That's well, that's kinda why I point put it as an offset, then at least it's not taxed.","start":936.34,"end":940.92004,"sentiment":"neutral","sentiment_score":0.19672291560305488},{"text":"Yeah.","start":948.795,"end":949.115,"sentiment":"positive","sentiment_score":0.5204427242279053},{"text":"I'm I'm happy with the way that is for the moment because it keeps it simple.","start":949.115,"end":952.575,"sentiment":"positive","sentiment_score":0.7116183266043663},{"text":"Just the everyday account is at 52,000.","start":968.69,"end":973.575,"sentiment":"neutral","sentiment_score":0.0524996995393719},{"text":"So you mean the savings account?","start":984.595,"end":986.375,"sentiment":"neutral","sentiment_score":0.031093831174075603}],"sentiment":"positive","sentiment_score":0.33336269405360025,"num_words":48,"start":936.34,"end":986.375},{"sentences":[{"text":"6,700.0.","start":990.17,"end":991.63,"sentiment":"neutral","sentiment_score":0.034499816596508026},{"text":"So 6,700.","start":992.41,"end":994.11,"sentiment":"neutral","sentiment_score":0.04096735641360283},{"text":"Yeah.","start":1003.305,"end":1003.70496,"sentiment":"neutral","sentiment_score":0.03030269593000412},{"text":"So one of them is at 13,500, and the other one is at 8,100.","start":1003.70496,"end":1011.485,"sentiment":"neutral","sentiment_score":0.055091428969587596},{"text":"Yes.","start":1022.49,"end":1022.73,"sentiment":"neutral","sentiment_score":0.10748358070850372}],"sentiment":"neutral","sentiment_score":0.0539737269282341,"num_words":19,"start":990.17,"end":1022.73},{"sentences":[{"text":"So it's paid off now.","start":1022.73,"end":1024.03,"sentiment":"neutral","sentiment_score":0.19481482058763505},{"text":"So the savings offset account is is there for, I guess, emergency funds and vacations.","start":1041.515,"end":1050.9,"sentiment":"neutral","sentiment_score":0.09471854194998741},{"text":"The everyday account, obviously, is your everyday bills, but then it's at 52,000.","start":1053.12,"end":1059.28,"sentiment":"neutral","sentiment_score":0.08060023245903161},{"text":"We're looking at renovating the bathroom or we've agreed to renovate the bathroom.","start":1059.28,"end":1064.5651,"sentiment":"neutral","sentiment_score":0.08697157611067478},{"text":"So 25 of that will be set aside to renovate the bathroom at the moment.","start":1064.5651,"end":1070.5851,"sentiment":"neutral","sentiment_score":0.1319740648070971}],"sentiment":"neutral","sentiment_score":0.10742453632296109,"num_words":61,"start":1022.73,"end":1070.5851},{"sentences":[{"text":"I certainly would like to consider a rental and investment property.","start":1097.855,"end":1103.9,"sentiment":"neutral","sentiment_score":0.3060039755972949},{"text":"That would be kinda after the bathroom's renovated because at the moment, it's not that bathroom's nonfunctional.","start":1106.4401,"end":1112.3,"sentiment":"neutral","sentiment_score":0.06828120307010763},{"text":"Yeah.","start":1113.875,"end":1114.195,"sentiment":"neutral","sentiment_score":0.21049195528030396},{"text":"I'd probably be starting to look towards an investment property.","start":1114.195,"end":1120.9349,"sentiment":"neutral","sentiment_score":0.2169170692563057},{"text":"Sure.","start":1130.41,"end":1130.7301,"sentiment":"neutral","sentiment_score":0.15907901525497437}],"sentiment":"neutral","sentiment_score":0.17663914617151022,"num_words":40,"start":1097.855,"end":1130.7301},{"sentences":[{"text":"The investment property is probably a little bit longer.","start":1130.7301,"end":1132.89,"sentiment":"neutral","sentiment_score":0.09315991732809278},{"text":"Shorter term, probably not.","start":1132.89,"end":1135.39,"sentiment":"neutral","sentiment_score":0.048659468069672585},{"text":"I think we're pretty comfortable where we're at.","start":1136.4901,"end":1141.245,"sentiment":"positive","sentiment_score":0.45098937675356865},{"text":"Yeah.","start":1147.485,"end":1147.885,"sentiment":"neutral","sentiment_score":0.26210516691207886},{"text":"So last like I said, last year, we were we realized halfway through the year that we're spending more money than than we're bringing in.","start":1147.885,"end":1158.86,"sentiment":"neutral","sentiment_score":0.10851193636655808}],"sentiment":"neutral","sentiment_score":0.1620403344326831,"num_words":47,"start":1130.7301,"end":1158.86},{"sentences":[{"text":"So our main goal of last year for the short term was to to bring that back in and have this the the money coming in be greater than the money going out.","start":1160.44,"end":1170.94,"sentiment":"positive","sentiment_score":0.33493266909411457},{"text":"And I think we've achieved that at this point.","start":1172.1749,"end":1175.715,"sentiment":"neutral","sentiment_score":0.163080010149214},{"text":"And then beyond the renovations, we hadn't really discussed anything further.","start":1176.335,"end":1181.9349,"sentiment":"neutral","sentiment_score":-0.06740042025392706},{"text":"There was nothing either critical or specifically wanted.","start":1181.9349,"end":1187.73,"sentiment":"neutral","sentiment_score":-0.14521512482315302},{"text":"No.","start":1196.015,"end":1196.495,"sentiment":"neutral","sentiment_score":-0.02650292031466961}],"sentiment":"neutral","sentiment_score":0.17082047789928415,"num_words":62,"start":1160.44,"end":1196.495},{"sentences":[{"text":"So that portfolio so when the second child came around, we found that we were needing a a bigger vehicle.","start":1196.495,"end":1206.4349,"sentiment":"neutral","sentiment_score":-0.027943532541394235},{"text":"So we traded in one of the vehicles and used the portfolio to buy to to pay for a vehicle outright.","start":1207.7749,"end":1215.7699,"sentiment":"neutral","sentiment_score":0.034887438373906274},{"text":"No.","start":1231.275,"end":1231.4349,"sentiment":"neutral","sentiment_score":-0.06793591380119324},{"text":"I've never declared bankruptcy.","start":1231.4349,"end":1232.895,"sentiment":"neutral","sentiment_score":-0.07456820551306009},{"text":"Not at the moment.","start":1239.0599,"end":1239.94,"sentiment":"neutral","sentiment_score":-0.09202129580080509}],"sentiment":"neutral","sentiment_score":-0.01121056728065014,"num_words":50,"start":1196.495,"end":1239.94},{"sentences":[{"text":"I was a couple of years ago, but not at the moment.","start":1239.94,"end":1242.2799,"sentiment":"neutral","sentiment_score":-0.06963250196228425},{"text":"Oh, god.","start":1250.4199,"end":1250.98,"sentiment":"neutral","sentiment_score":-0.027691012248396873},{"text":"No.","start":1250.98,"end":1251.48,"sentiment":"neutral","sentiment_score":0.004132065922021866},{"text":"Only in the essence that my son seems to have something benign on him, but we need to get checked and confirmed that it's benign.","start":1268.09,"end":1277.87,"sentiment":"neutral","sentiment_score":-0.049515899121761325},{"text":"Myself is fine.","start":1284.035,"end":1285.175,"sentiment":"neutral","sentiment_score":0.30546242992083233}],"sentiment":"neutral","sentiment_score":-0.02810116675357486,"num_words":43,"start":1239.94,"end":1285.175},{"sentences":[{"text":"I'm taking medications to to manage an ongoing condition.","start":1289.2351,"end":1292.4551,"sentiment":"neutral","sentiment_score":-0.06101256608963013},{"text":"It's sorry.","start":1307.405,"end":1308.0449,"sentiment":"neutral","sentiment_score":-0.14821701496839523},{"text":"No.","start":1308.0449,"end":1308.205,"sentiment":"neutral","sentiment_score":-0.18139752745628357},{"text":"No.","start":1308.205,"end":1308.525,"sentiment":"neutral","sentiment_score":-0.22100278735160828},{"text":"I'm just just getting the right term.","start":1308.525,"end":1310.0449,"sentiment":"neutral","sentiment_score":-0.1560970800263541}],"sentiment":"neutral","sentiment_score":-0.11703134998679161,"num_words":20,"start":1289.2351,"end":1310.0449},{"sentences":[{"text":"So it's called IBD inflammatory bowel disease.","start":1310.0449,"end":1314.865,"sentiment":"neutral","sentiment_score":-0.0904622498367514},{"text":"Well, Crohn's is underneath that, but, no, it's not Crohn's specifically.","start":1319.245,"end":1323.26,"sentiment":"neutral","sentiment_score":-0.12529336593367837},{"text":"It's ulcerative colitis.","start":1323.88,"end":1325.42,"sentiment":"neutral","sentiment_score":-0.1566871056954066},{"text":"It's a specific variant that I'm referring to.","start":1325.88,"end":1329.26,"sentiment":"neutral","sentiment_score":-0.09103555325418711},{"text":"It's like Crohn's, just as a in a different part of the bowels.","start":1333.24,"end":1336.695,"sentiment":"neutral","sentiment_score":-0.05325784763464561}],"sentiment":"neutral","sentiment_score":-0.09290858420232932,"num_words":42,"start":1310.0449,"end":1336.695},{"sentences":[{"text":"When did I get my insurances with you guys?","start":1349.335,"end":1351.6749,"sentiment":"neutral","sentiment_score":-0.048612194342745677},{"text":"It's been quite a few years now.","start":1357.73,"end":1359.35,"sentiment":"neutral","sentiment_score":-0.11670771028314318},{"text":"I can't recall, to be honest.","start":1372.0549,"end":1373.6749,"sentiment":"neutral","sentiment_score":-0.1583463872472445},{"text":"I I have been I I think it would have been somewhere around 2021 that I got diagnosed, but I couldn't give you the exact date of hang on.","start":1373.8416,"end":1388.82,"sentiment":"neutral","sentiment_score":-0.12531802572053055},{"text":"Let me check.","start":1388.82,"end":1389.72,"sentiment":"neutral","sentiment_score":-0.05542648832003275}],"sentiment":"neutral","sentiment_score":-0.11120452324825304,"num_words":54,"start":1349.335,"end":1389.72},{"sentences":[{"text":"Look.","start":1416.18,"end":1416.68,"sentiment":"neutral","sentiment_score":0.037486035376787186},{"text":"I officially got diagnosed in 2021, but I had known I had issues before that.","start":1417.6201,"end":1425.715,"sentiment":"neutral","sentiment_score":-0.07499761680761972},{"text":"And I would have likely disclosed it, but I never had an official diagnosis until 2021.","start":1426.175,"end":1433.155,"sentiment":"neutral","sentiment_score":-0.09595868829637766},{"text":"Yes.","start":1473.24,"end":1473.5599,"sentiment":"neutral","sentiment_score":0.12349822372198103},{"text":"I do.","start":1473.5599,"end":1474.22,"sentiment":"neutral","sentiment_score":0.13486188277602196}],"sentiment":"neutral","sentiment_score":-0.06370272114872932,"num_words":35,"start":1416.18,"end":1474.22},{"sentences":[{"text":"No.","start":1483.235,"end":1483.555,"sentiment":"neutral","sentiment_score":-0.2637614905834198},{"text":"I never set one up.","start":1483.555,"end":1484.995,"sentiment":"neutral","sentiment_score":-0.2514693349599838},{"text":"My wife talked about it and it bugged me for it, but then life got in the way and we never got one done.","start":1484.995,"end":1490.855,"sentiment":"negative","sentiment_score":-0.3698972513278325},{"text":"Sure.","start":1506.115,"end":1506.615,"sentiment":"neutral","sentiment_score":0.2358069568872452},{"text":"I'm okay with you sending me some information.","start":1506.915,"end":1509.175,"sentiment":"neutral","sentiment_score":0.27992686443030834}],"sentiment":"neutral","sentiment_score":-0.20316462371593866,"num_words":39,"start":1483.235,"end":1509.175},{"sentences":[{"text":"Yeah.","start":1516.115,"end":1516.615,"sentiment":"neutral","sentiment_score":0.013141144067049026},{"text":"I'm assuming we're gonna talk about the how the super is doing next anyway, so I'll I'll I'll hold my tongue until then.","start":1531.895,"end":1539.835,"sentiment":"neutral","sentiment_score":0.12155639117016741},{"text":"I would say yes.","start":1570.175,"end":1571.375,"sentiment":"neutral","sentiment_score":0.18656600266695023},{"text":"Because looking at the way my how much is in my super and the fact that I only started contributing to once I was I think in later in my twenties.","start":1571.375,"end":1584.23,"sentiment":"neutral","sentiment_score":0.19009815492937643},{"text":"So I'm late to the game in the Australian event.","start":1586.305,"end":1589.845,"sentiment":"neutral","sentiment_score":0.24823299944400787}],"sentiment":"neutral","sentiment_score":0.1729068833173833,"num_words":69,"start":1516.115,"end":1589.845},{"sentences":[{"text":"And noting the fact that I did look at the super account last week, and I had note would note that as of last year, it's down comparatively.","start":1591.985,"end":1604.4501,"sentiment":"neutral","sentiment_score":-0.025036455132067204},{"text":"So I'm I'm more than happy to go with the riskier approach.","start":1606.3501,"end":1609.5701,"sentiment":"neutral","sentiment_score":0.326577831680576},{"text":"I'm happy with the approach we have or slightly riskier approach.","start":1617.665,"end":1621.365,"sentiment":"neutral","sentiment_score":0.032856219871477646},{"text":"Considering a Supra is designed for something that I won't be able to access till I'm 60, which is another twenty years for me.","start":1656.78,"end":1665.385,"sentiment":"neutral","sentiment_score":-0.06708868344624837},{"text":"I'm more geared towards the long term growth of it so that when I get to that point that there is a greater chance of it to be higher.","start":1666.485,"end":1672.985,"sentiment":"neutral","sentiment_score":0.32870222473966665}],"sentiment":"neutral","sentiment_score":0.1105919977864967,"num_words":104,"start":1591.985,"end":1672.985},{"sentences":[{"text":"No.","start":1687.04,"end":1687.36,"sentiment":"neutral","sentiment_score":-0.1701347529888153},{"text":"Because so, overall, I've been happy with the performance of the Netwealth account and your work in managing it because we've seen some ups and we've seen some downs.","start":1687.36,"end":1700.645,"sentiment":"neutral","sentiment_score":0.002296157952012687},{"text":"And I think overall, NetWise, it's up across the I don't know.","start":1701.5,"end":1707.42,"sentiment":"neutral","sentiment_score":-0.046832490557183824},{"text":"The the six years I've been with you guys.","start":1707.42,"end":1710.24,"sentiment":"neutral","sentiment_score":0.025328453837169543},{"text":"I'm not confident in my ability to man to select the correct shares.","start":1736.0901,"end":1746.085,"sentiment":"negative","sentiment_score":-0.44320643463960063}],"sentiment":"neutral","sentiment_score":-0.09686349413823336,"num_words":64,"start":1687.04,"end":1746.085},{"sentences":[{"text":"And I don't have the mental well, the mental drive because I just don't find shares, and that's an interesting topic to go and do the background research necessary to to actually do investments.","start":1746.145,"end":1763.28,"sentiment":"neutral","sentiment_score":-0.1782673369435703},{"text":"Yes.","start":1767.1001,"end":1767.6001,"sentiment":"positive","sentiment_score":0.6387187242507935},{"text":"Yeah.","start":1844.27,"end":1844.59,"sentiment":"neutral","sentiment_score":0.044768646359443665},{"text":"I think so.","start":1844.59,"end":1845.57,"sentiment":"neutral","sentiment_score":0.05058590446909269},{"text":"It's heavy.","start":1846.35,"end":1847.17,"sentiment":"neutral","sentiment_score":0.009026790037751198}],"sentiment":"neutral","sentiment_score":-0.1270192876094725,"num_words":41,"start":1746.145,"end":1847.17},{"sentences":[{"text":"So what's been the loan?","start":1875.69,"end":1877.87,"sentiment":"neutral","sentiment_score":-0.028403975442051886},{"text":"Okay.","start":1892.765,"end":1893.265,"sentiment":"neutral","sentiment_score":0.08081107586622238},{"text":"Yes.","start":1895.005,"end":1895.505,"sentiment":"neutral","sentiment_score":0.08122773468494415},{"text":"So I agree with your assessment on the basis that you are the expert in this area.","start":1962.43,"end":1975.175,"sentiment":"neutral","sentiment_score":0.2705678641796112},{"text":"That's the reason I'm going with a financial your financial services is so that you can manage those things and advise me.","start":1976.355,"end":1983.56,"sentiment":"positive","sentiment_score":0.38356653533198615}],"sentiment":"neutral","sentiment_score":0.28387253047169553,"num_words":46,"start":1875.69,"end":1983.56},{"sentences":[{"text":"And if you believe there is a concern with the way it's currently set up, I am more than happy for you to make adjustments necessary to to bring it into a better position.","start":1983.56,"end":1994.14,"sentiment":"positive","sentiment_score":0.4173403123722357},{"text":"Is is that before or after tax?","start":2065.98,"end":2076.48,"sentiment":"neutral","sentiment_score":-0.013600079076630729},{"text":"Yeah.","start":2089.0151,"end":2089.2551,"sentiment":"neutral","sentiment_score":-0.02379809319972992},{"text":"But sorry.","start":2089.2551,"end":2089.975,"sentiment":"neutral","sentiment_score":-0.0502584557980299},{"text":"Sorry.","start":2089.975,"end":2090.475,"sentiment":"neutral","sentiment_score":-0.0615781806409359}],"sentiment":"neutral","sentiment_score":0.30907726403739716,"num_words":45,"start":1983.56,"end":2090.475},{"sentences":[{"text":"What I meant by that is so currently, after taxes, I mean, per month, I clear about maybe 11,000.","start":2091.335,"end":2103.1301,"sentiment":"neutral","sentiment_score":-0.044463198926103745},{"text":"Okay.","start":2106.79,"end":2107.19,"sentiment":"neutral","sentiment_score":0.0027157049626111984},{"text":"That that's that's why I was clarifying.","start":2107.19,"end":2108.73,"sentiment":"neutral","sentiment_score":-0.00708638339503003},{"text":"You're referring to pretax dollars.","start":2108.95,"end":2110.73,"sentiment":"neutral","sentiment_score":-0.017461864184588193},{"text":"Yeah.","start":2110.79,"end":2111.19,"sentiment":"neutral","sentiment_score":0.005869235843420029}],"sentiment":"neutral","sentiment_score":-0.02948878313569973,"num_words":33,"start":2091.335,"end":2111.19},{"sentences":[{"text":"Okay.","start":2111.19,"end":2111.69,"sentiment":"neutral","sentiment_score":0.011130262166261671},{"text":"Yep.","start":2119.475,"end":2119.975,"sentiment":"neutral","sentiment_score":0.070269376039505},{"text":"I think if something were to happen at the moment, it would be a bit tight, but I believe I think we could still make it work.","start":2171.555,"end":2179.415,"sentiment":"neutral","sentiment_score":-0.00960450840217096},{"text":"I I think at this time so I looked at the other day, and I think at this time, I would be happy to maybe reassess it next year.","start":2191.08,"end":2199.775,"sentiment":"neutral","sentiment_score":0.16664334694887029},{"text":"Yeah.","start":2201.915,"end":2202.415,"sentiment":"neutral","sentiment_score":0.09881239384412766}],"sentiment":"neutral","sentiment_score":0.08056859943573758,"num_words":59,"start":2111.19,"end":2202.415},{"sentences":[{"text":"Yep.","start":2214.99,"end":2215.49,"sentiment":"neutral","sentiment_score":0.06627188622951508},{"text":"Yep.","start":2234.545,"end":2235.045,"sentiment":"neutral","sentiment_score":0.13687720894813538},{"text":"Yeah.","start":2254.195,"end":2254.695,"sentiment":"neutral","sentiment_score":0.3097127079963684},{"text":"I think at this stage, I don't particularly think that interests me.","start":2303.995,"end":2309.455,"sentiment":"neutral","sentiment_score":-0.05573941643039385},{"text":"But if we are going to be reassessing it next year for the total package for the the life and death and permanent disability and income protection, then it'd probably be something we can discuss at that stage.","start":2310.235,"end":2327.21,"sentiment":"neutral","sentiment_score":0.11162105849698971}],"sentiment":"neutral","sentiment_score":0.07708658545084719,"num_words":53,"start":2214.99,"end":2327.21},{"sentences":[{"text":"Yep.","start":2355.8801,"end":2356.3801,"sentiment":"neutral","sentiment_score":0.14629331231117249},{"text":"Yep.","start":2374.895,"end":2375.395,"sentiment":"neutral","sentiment_score":0.04929333925247192},{"text":"Yes.","start":2388.44,"end":2388.76,"sentiment":"neutral","sentiment_score":0.05953101068735123},{"text":"But at the moment, I'm on a phone, so I can't really do too much.","start":2388.76,"end":2392.095,"sentiment":"neutral","sentiment_score":-0.1021062766512235},{"text":"Yep.","start":2404.4949,"end":2404.9949,"sentiment":"neutral","sentiment_score":0.22535590827465057}],"sentiment":"neutral","sentiment_score":-0.05532213574961612,"num_words":19,"start":2355.8801,"end":2404.9949},{"sentences":[{"text":"Yep.","start":2413.03,"end":2413.53,"sentiment":"positive","sentiment_score":0.5518522262573242},{"text":"Yep.","start":2463.69,"end":2464.19,"sentiment":"neutral","sentiment_score":-0.0308175515383482},{"text":"Email updates?","start":2484.7898,"end":2486.41,"sentiment":"neutral","sentiment_score":0.04235002025961876},{"text":"Yes.","start":2502.975,"end":2503.215,"sentiment":"neutral","sentiment_score":-0.08318549394607544},{"text":"It appears I am being spammed.","start":2503.215,"end":2506.2751,"sentiment":"negative","sentiment_score":-0.3516138593355815}],"sentiment":"neutral","sentiment_score":-0.14428490315648643,"num_words":11,"start":2413.03,"end":2506.2751},{"sentences":[{"text":"No.","start":2534.975,"end":2535.2952,"sentiment":"neutral","sentiment_score":-0.08091195672750473},{"text":"She's not.","start":2535.2952,"end":2536.115,"sentiment":"neutral","sentiment_score":-0.09697998687624931},{"text":"Okay.","start":2582.76,"end":2583.26,"sentiment":"neutral","sentiment_score":0.13794377446174622},{"text":"No.","start":2584.605,"end":2584.685,"sentiment":"neutral","sentiment_score":0.12233467400074004},{"text":"Not a problem.","start":2584.685,"end":2585.5051,"sentiment":"neutral","sentiment_score":0.14002550641695657}],"sentiment":"neutral","sentiment_score":0.05068537965416908,"num_words":8,"start":2534.975,"end":2585.5051},{"sentences":[{"text":"So let's see.","start":2598.64,"end":2599.78,"sentiment":"neutral","sentiment_score":-0.009579434990882874},{"text":"The performance was bad for reasons x, y, and z.","start":2600.8801,"end":2604.8,"sentiment":"neutral","sentiment_score":-0.16620410373434424},{"text":"I accept.","start":2604.8,"end":2605.54,"sentiment":"neutral","sentiment_score":0.04164729081094265},{"text":"Fair enough.","start":2606.8,"end":2607.54,"sentiment":"neutral","sentiment_score":0.1056130938231945},{"text":"You noted that the ratio of the distribution of the funds within the Netwealth Super has it loaded on a poor performing item that may need to be adjusted, and you will go off and investigate what the best solution would be and are going to provide me a document that states that for me to review and sign.","start":2608.64,"end":2632.48,"sentiment":"neutral","sentiment_score":-0.13814810751858403}],"sentiment":"neutral","sentiment_score":-0.1256183804821615,"num_words":76,"start":2598.64,"end":2632.48},{"sentences":[{"text":"I know I didn't say it exactly the way you said it, but yes.","start":2632.5398,"end":2641.775,"sentiment":"neutral","sentiment_score":-0.03033724640096937},{"text":"You know?","start":2641.775,"end":2642.4348,"sentiment":"neutral","sentiment_score":0.012137394398450851},{"text":"No.","start":2645.135,"end":2645.375,"sentiment":"neutral","sentiment_score":-0.05839301645755768},{"text":"I understand that some years are gonna be worse than others and noting that Trump is not making it easy for anyone.","start":2645.375,"end":2652.1948,"sentiment":"negative","sentiment_score":-0.3569426692344926},{"text":"And, yeah, that's fine.","start":2654.6548,"end":2657.5798,"sentiment":"neutral","sentiment_score":0.09259331692010164}],"sentiment":"neutral","sentiment_score":-0.18467918913378273,"num_words":43,"start":2632.5398,"end":2657.5798},{"sentences":[{"text":"That's expected.","start":2657.5798,"end":2658.4,"sentiment":"neutral","sentiment_score":-0.027935883030295372},{"text":"Yep.","start":2685.11,"end":2685.61,"sentiment":"neutral","sentiment_score":-0.1096293032169342},{"text":"Okay.","start":2689.99,"end":2690.4702,"sentiment":"neutral","sentiment_score":0.13226142525672913},{"text":"That's not a problem.","start":2690.4702,"end":2691.53,"sentiment":"positive","sentiment_score":0.3697044551372528},{"text":"Thank you.","start":2691.59,"end":2692.4102,"sentiment":"positive","sentiment_score":0.6305346488952637}],"sentiment":"neutral","sentiment_score":0.2706647474318743,"num_words":10,"start":2657.5798,"end":2692.4102},{"sentences":[{"text":"No problem.","start":2728.9448,"end":2729.585,"sentiment":"positive","sentiment_score":0.37354348599910736},{"text":"Thank you for that.","start":2729.585,"end":2730.645,"sentiment":"positive","sentiment_score":0.6499967873096466},{"text":"Alright.","start":2733.1848,"end":2733.585,"sentiment":"neutral","sentiment_score":0.31832894682884216},{"text":"Cheers.","start":2733.585,"end":2733.9849,"sentiment":"positive","sentiment_score":0.5122201442718506},{"text":"Bye.","start":2733.9849,"end":2734.4849,"sentiment":"neutral","sentiment_score":-0.027733711525797844}],"sentiment":"positive","sentiment_score":0.46109883342352176,"num_words":9,"start":2728.9448,"end":2734.4849}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning, Craig. Thanks for returning my call there.\n\nChannel 1: No. Apologies. I didn't pick up the first two times you tried to reach out to me. I was I had stepped out for a second, and I forgot that I had a 09:00.\n\nChannel 0: Yeah. No. That's that's perfectly fine. And now's still a good time for you?\n\nChannel 1: Yep. As best as any.\n\nChannel 0: Okay. Not a problem at all. Now I know we haven't spoken there before, Craig, so I'm one of the financial advisers here at Oakview Financial. Now I know you've been on board for a number of years there, so you're probably quite familiar with the process. I have beeped it out a little bit in terms of, like, the requirements and sort of gathering your details and just sort of amped it up a little bit there as well.\n\nSo I will spend the first bit there going through updating some of your details there, your risk profile, and then I'll send you out some documents as well to sort of review the past twelve months and how things have traveled as well for you.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now as far as your email, that's still craig.cameron85@gmail.\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Com? Perfect. And then your address says 45 Parkland Circuit?\n\nChannel 1: Yes. That's\n\nChannel 0: Brilliant. And I've got Amanda here as your next to Kin contact. Is that still correct?\n\nChannel 1: correct. Do you have it as Amanda Cook or Amanda Cameron?\n\nChannel 0: Amanda Cameron.\n\nChannel 1: Yep. Nope. That's correct.\n\nChannel 0: I'll check your\n\nChannel 1: My life insurance has it incorrect, and I need to update that. And\n\nChannel 0: yeah.\n\nChannel 1: you had\n\nChannel 0: Same\n\nChannel 1: sent\n\nChannel 0: with\n\nChannel 1: me\n\nChannel 0: your\n\nChannel 1: the\n\nChannel 0: superannuation. So the beneficiary forms, yeah, need to be?\n\nChannel 1: yeah. You\n\nChannel 0: Three\n\nChannel 1: sent me\n\nChannel 0: times.\n\nChannel 1: the forms previously about two years ago. Would they still be valid, or would it be better for you to send me fresh ones?\n\nChannel 0: I'll probably send you the fresh ones just in case they have updated the form since then and save you sort of having to fill it out twice. Do you have access to a printer, or do you wanna sort of have it just during the post?\n\nChannel 1: No. I've got access to a printer.\n\nChannel 0: Okay. Perfect. I'll just give them to email the form, and then you can just scan them back there\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: That's\n\nChannel 0: regards\n\nChannel 1: perfect.\n\nChannel 0: to superannuation and the insurances. So that's good. Now as far as your occupation, I know that sort of since you came on board, you did change your occupation. I've just got you down as a systems engineer. Do you mind if I grab a little bit more information around what you're doing now?\n\nChannel 1: Yeah. So so I'm still in the same industry. So I'm\n\nChannel 0: Yep.\n\nChannel 1: still a in the railway industry doing engineering. The system engineering is essentially just project engineering is with what you'd also classify it as where you're just taking the customer requirements, breaking them down into individual chunks, selecting the components and systems that would satisfy those requirements, and then showing proof and evidence that the that it meets the requirements, and then test and make sure it works correctly.\n\nChannel 0: Yep. And as far because just working in the the rail there, are you in an office, like, a 100% of the time? Do you spend some time out, like, around the tracks and things like that in platforms?\n\nChannel 1: Not anymore. I haven't done that in four or five years.\n\nChannel 0: Yep. So a 100% in office space?\n\nChannel 1: Yeah. 100% in office.\n\nChannel 0: Perfect. So not dealing with any sort of hazardous materials around the the railway tracks at all.\n\nChannel 1: Like I said, I might do that once a year at best. Even then, that's probably pushing it nowadays. And, no, I wouldn't be involved in any hazardous materials or anything like that.\n\nChannel 0: Yep. Not a problem at all. And then as far as your employer name, are you with Queensland Rail at the moment?\n\nChannel 1: No. So I was at Siemens, but I've now moved over to Hyundai Rotem Corporation.\n\nChannel 0: Yep. And then how long have you been doing that role there versus, like, industry industry experience? Sorry, if you don't mind me asking.\n\nChannel 1: So I've been with this company for just over sixteen months, and then I've been in the railway industry about seventeen years.\n\nChannel 0: Perfect. And how many hours per week at the moment do you reckon you're sort of doing?\n\nChannel 1: I do thirty eight hours and only thirty eight hours.\n\nChannel 0: Perfect. And then do you know roughly sort of what your gross income is at the moment?\n\nChannel 1: Before tax or after tax?\n\nChannel 0: Before tax is fine.\n\nChannel 1: $1.85 is what my income is meant to be before taxes.\n\nChannel 0: Perfect. And do\n\nChannel 1: 100\n\nChannel 0: you get any\n\nChannel 1: and 80\n\nChannel 0: sort of\n\nChannel 1: five\n\nChannel 0: bonuses\n\nChannel 1: thousand.\n\nChannel 0: or anything like that?\n\nChannel 1: No bonuses.\n\nChannel 0: And do you know roughly what your expenditure and savings sort of looks like per week at the moment?\n\nChannel 1: I would say it's not good.\n\nChannel 0: Okay.\n\nChannel 1: I\n\nChannel 0: Okay.\n\nChannel 1: I we we were having money issues last year, so we were trying to to reorganize them. We haven't worked out what our expenditures reduce that. I think we are probably expending 80% of our income\n\nChannel 0: Yep.\n\nChannel 1: per\n\nChannel 0: And then\n\nChannel 1: week.\n\nChannel 0: is there a certain amount that you're putting it into a savings account at all, or is it all sort of just going\n\nChannel 1: Yeah.\n\nChannel 0: into, like, your your offset? Or\n\nChannel 1: So what I've done is I've set up four offset accounts against the mortgage. One where the our our, sorry, where our pay gets put in. Again,\n\nChannel 0: Yep.\n\nChannel 1: that's our general use account. I then have two savings account for one for each of the kids and a savings account for just a general savings account. And then I've automated it to set up to put in I think it's a 150 in each of the kids' account per week. No. Per month.\n\nIs it per month? No. It's per week. So $100 per week into each of the kids' account and then a $100 $400 per week into the savings account. So about $600 a week we set aside.\n\nIs that right? Sorry. Hang on. Let me just open up the banking\n\nChannel 0: Yeah.\n\nChannel 1: app app,\n\nChannel 0: No.\n\nChannel 1: and\n\nChannel 0: That's\n\nChannel 1: then\n\nChannel 0: perfectly\n\nChannel 1: I can just\n\nChannel 0: fine.\n\nChannel 1: that sounds too much, but then saying it's per month, it sounds too little.\n\nChannel 0: And do you have, like, a budget planner that you use at the moment, or you're kind of just going by the cedar pants at the moment?\n\nChannel 1: We're just kinda winging it.\n\nChannel 0: Yep. Would you like just a copy of, like, just Oakview's budget planner? It's just like an Excel spreadsheet that you can sort of plan out your\n\nChannel 1: Yeah.\n\nChannel 0: budget a little bit better.\n\nChannel 1: Yeah. I'm not gonna say no to that.\n\nChannel 0: Yep.\n\nChannel 1: Okay. So no. Okay. So it's it's 6 where's the other two accounts? Yeah.\n\nIt's sorry. 600 a month we set aside\n\nChannel 0: Okay.\n\nChannel 1: into to separate accounts, separate to whatever goes into the savings account.\n\nChannel 0: Separate. Oh, okay. So what how much is going into the the savings account versus so for\n\nChannel 1: Sorry.\n\nChannel 0: the kids, it is, like, a bit\n\nChannel 1: For\n\nChannel 0: a\n\nChannel 1: the kids\n\nChannel 0: bit under the\n\nChannel 1: I've for the kids I put in a $100 a month into the savings\n\nChannel 0: hunt. Yep.\n\nChannel 1: account, I put in $400 a month. So and then the rest just sits in the everyday offset account.\n\nChannel 0: Okay. Not a problem. Perfect. Let's get that all updated. And as far as, like, any salary sacrifice or anything like that, Craig, if you thought about that, is that something that you wanna potentially do in the future, or are you happy sort of at the moment just sorting things out before you think about that?\n\nChannel 1: I haven't really thought about doing the only salary sacrifice that I'd ever considered is if I could get to salary sacrifice into the mortgage or into a car loan.\n\nChannel 0: Like,\n\nChannel 1: But\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: novated\n\nChannel 1: know you can\n\nChannel 0: lease\n\nChannel 1: only\n\nChannel 0: through.\n\nChannel 1: do,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, like a novated lease.\n\nChannel 0: Yep.\n\nChannel 1: But\n\nChannel 0: No. That's fine.\n\nChannel 1: I couldn't couldn't get a good deal for the novated lease. And unless you're a government employee, you can't really offset into a mortgage.\n\nChannel 0: No. Unfortunately not. And do you have an EBA with your current work at the moment?\n\nChannel 1: That's an EBA.\n\nChannel 0: It's like an enterprise bargaining agreement, like a union type deal.\n\nChannel 1: No. We don't. No. We don't have a union.\n\nChannel 0: Yep. No. That's fine. You can sort of just have them with your work as well, but the unions sort of the easiest way to explain it because people know exactly what the unions are. But\n\nChannel 1: Yeah.\n\nChannel 0: it's basically just an agreement with your work for, you know, certain benefits and things like that as well. But if you don't sort of remember signing one, you probably don't have one.\n\nChannel 1: No. It's when you get up into, like, the end the engineering world generally doesn't do that as much\n\nChannel 0: Yep.\n\nChannel 1: as the more the trade industries, generally, because we we expect that as part of our base contract anyways, and that's negotiated at the contract phase. So that's per person.\n\nChannel 0: Yep. Perfect. And then I'll just get some updated assets liabilities for the splits of everything. So at the moment, the house is worth around 1.1. Is that sort of similar to what you reckon it is now?\n\nChannel 1: Yeah. About 1.1 to 1.2 is somewhere around the range it would be.\n\nChannel 0: Yep. And then with regards to the mortgage remaining on that one, do you know roughly how much is left on that one?\n\nChannel 1: 413,000.\n\nChannel 0: $4.13. And I know you had a redraw on that as well. Do you have a redraw facility on that as well, or is that just all in through the offsets now?\n\nChannel 1: No. So there is redraw available on both of those because I overpay them.\n\nChannel 0: Yep.\n\nChannel 1: So the so I've got two home loans because one was fixed and one was variable, but they're both variable at the moment. And they both have about 15,000 in redraw, so about $30,000 in total for redraw.\n\nChannel 0: Okay. Not a problem. And then how what's the split at the moment? Not that it matters that they're both sorta variable, but\n\nChannel 1: The splits is twenty five seventy five. So 25 in the variable, 75 was in the fixed, but it's now variable because there's no good fixed deals at the moment.\n\nChannel 0: Yep. And then with that, do you sort of plan on speaking to a mortgage broker to, like, discuss, like, refinancing and things like that as well?\n\nChannel 1: Probably when the rates start to come down a little bit. I don't really wanna lock in a fixed term rate if the the rates are gonna stay the same or potentially go down.\n\nChannel 0: Yep. No.\n\nChannel 1: I'd rather wait till the rates go down a little bit better before\n\nChannel 0: That's\n\nChannel 1: I try and lock\n\nChannel 0: yeah. Not a problem. You do have access to the mortgage brokers here at OQ two. There's like, an in house and then also a couple trusted partners. If you ever did wanna sort of take an opinion from your own mortgage broker or if you don't have someone,\n\nChannel 1: that\n\nChannel 0: you can\n\nChannel 1: in.\n\nChannel 0: always\n\nChannel 1: Yep.\n\nChannel 0: reach out.\n\nChannel 1: The the last so I spoke to my mortgage broker probably about a year and a half ago.\n\nChannel 0: Yep.\n\nChannel 1: He rang me up to do just a general check to\n\nChannel 0: Yep.\n\nChannel 1: see how he was doing to see if he could get me a better deal. At the time, I told him, so my interest rate on both of them are 5.4%.\n\nChannel 0: Yep.\n\nChannel 1: And at the time, when I told him, he said that he couldn't get me any better rate, and that was a a decent rate for but a really good rate for CBA.\n\nChannel 0: Yeah. It\n\nChannel 1: So we\n\nChannel 0: considering\n\nChannel 1: just left\n\nChannel 0: that\n\nChannel 1: it.\n\nChannel 0: they just raised the the rate as well, it's probably not looking like they probably would be able to sort of do much better anyway. But\n\nChannel 1: Yeah.\n\nChannel 0: it's always sort of worth the discussion at some point as well when you do wanna have a chat about it. So\n\nChannel 1: Yeah.\n\nChannel 0: that's all in fine given that you oh, sorry.\n\nChannel 1: Yeah. No. I understand. I had gone to two years ago when the rates were starting to get high, I'd gone to CBA. And when I spoke to them because I was creating the additional offset accounts for my kids' savings,\n\nChannel 0: Yep.\n\nChannel 1: they gave me an additional discount on both the interest rates.\n\nChannel 0: Okay. Not a problem.\n\nChannel 1: So I think I'd probably try that first, go speak with CBA and see if I can if they give me another discount. And then\n\nChannel 0: Yep.\n\nChannel 1: barring if that fails, I would then go to a mortgage broker like yourselves or the one I've been for previously.\n\nChannel 0: Yeah. Not a problem. With that too, if you sorta by having the child accounts there as well, if you feel like you're not sorta getting, you know, a good rate of having those there just sitting there, there is options to do, like, investment bonds and things for your kids as well to be able to, you know, have that money invested slightly more aggressively given, you know, the time until they probably need it because I do have it here sort of thinking more sort of college, university sort of funding less so, you know, car at the age of 16 type deal. So it's quite a number of years that you've got that you can sort of have that money invested even if it is sort of just moderately invested as opposed to just, like, offsetting the the mortgage and just sort of building up as you put money in, if that makes sense.\n\nChannel 1: Yeah. Yeah. Yeah. So right. The offset is the kind of the safe approach, and what you're referring to is going with a slightly more risky approach and trying to see if we can get a better return on it.\n\nChannel 0: Basically, yeah. But that's obviously up to you and sort of because at the moment, you're obviously offsetting the 5.4% interest rate, which means that it lowers your mortgage quite a bit in terms of the repayments you have to make. But if you ever sort of, you know, paid down the mortgage off and then sort of just sitting cash in the bank and you are just getting interest on that as well, given that the interest rate would be lower than what you're paying off the the mortgage there, you can look to a different sort of investment. Even if it is quite conservative, it might be better, and it's a bit more tax effective with those investment bonds. If you hold them for a ten year period, the\n\nChannel 1: Yeah.\n\nChannel 0: distributions\n\nChannel 1: Okay.\n\nChannel 0: become tax free because you're essentially getting taxed at a a company tax rate as opposed to, like, an individual tax rate and individual tax rate if you put the investment in, like, your kid's name or a kid's bank account with their name on it. When it starts earning interest and things like that, they can get taxed a bit more.\n\nChannel 1: Yeah. That's well, that's kinda why I point put it as an offset, then at least it's not taxed.\n\nChannel 0: Yeah. But all things to think about. If you're happy having it the way it is at the moment, there's nothing wrong with that as well.\n\nChannel 1: Yeah. I'm I'm happy with the way that is for the moment because it keeps it simple.\n\nChannel 0: Yep. Not a problem. And as far as the offset amounts that you've got, so the cash in the the bank one, how much is that roughly sitting at at the moment?\n\nChannel 1: Just the everyday account\n\nChannel 0: Yeah.\n\nChannel 1: is at 52,000.\n\nChannel 0: 52. Perfect. And then as far as, like, the other general spending one you do have, what was that one sort of sitting\n\nChannel 1: So you mean the savings account?\n\nChannel 0: at? Yeah.\n\nChannel 1: 6,700.0. So 6,700.\n\nChannel 0: Yep. And then with regards to the child's offsets, how much have you got in each one of those?\n\nChannel 1: Yeah. So one of them is at 13,500, and the other one is at 8,100.\n\nChannel 0: Perfect. And I have a car here that was worth around 30 with 20 owing. Do you know roughly what's left on that one?\n\nChannel 1: Yes. So it's paid off now.\n\nChannel 0: Perfect. And as far as anything you're sort of trying to achieve in regards to, like, your your savings or anything like that, is there anything else apart from, like, paying down the mortgage and building up those accounts that you're sort trying to achieve\n\nChannel 1: So the savings offset account is is there for,\n\nChannel 0: with that?\n\nChannel 1: I guess, emergency funds and vacations.\n\nChannel 0: Yep.\n\nChannel 1: The everyday account, obviously, is your everyday bills, but then it's at 52,000. We're looking at renovating the bathroom or we've agreed to renovate the bathroom. So 25 of that will be set aside to renovate the bathroom at the moment.\n\nChannel 0: Yep. Perfect. And as far as any other goals that you're trying to achieve at the moment, I know sort of with your kid being quite young than the newer one, you're mainly focused on that. But moving forward, now that they've grown up a little bit, is there anything else sort of shorter term that you're focused on? Are you sort of thinking, like, investment property down the future?\n\nAre you sort of just happy paying down the debt, renovating the house, and just focus on your your savings?\n\nChannel 1: I certainly would like to consider a rental and investment property. That would be kinda after the bathroom's renovated because at the moment, it's not that bathroom's nonfunctional. Yeah. I'd probably be starting to look towards an investment property.\n\nChannel 0: Yep. Okay. And as far as that, is there any sort of other shorter term goals that you're looking to do at the moment?\n\nChannel 1: Sure. The investment property is probably a little bit longer. Shorter term, probably not. I\n\nChannel 0: Yep.\n\nChannel 1: think we're pretty comfortable where we're at.\n\nChannel 0: Largely, yeah, pretty happy with how you're sort of tracking and everything that's going on. That's fine.\n\nChannel 1: Yeah. So last like I said, last year, we were we realized halfway through the year that we're spending more money than than we're bringing in. So our main goal of last year for the short term was to to bring that back in and have this the the money coming in be greater than the money going out.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: And I\n\nChannel 1: I\n\nChannel 0: completely\n\nChannel 1: think we've\n\nChannel 0: understand.\n\nChannel 1: achieved that at this point. And then beyond the renovations, we hadn't really discussed anything further. There was nothing either critical or specifically wanted.\n\nChannel 0: Yep. Not a problem. And I also have here that you do have a share portfolio in your partner's name. Do you still have that portfolio?\n\nChannel 1: No. So that portfolio so when the second child came around, we found that we were needing a a bigger vehicle.\n\nChannel 0: Yep.\n\nChannel 1: So we traded in one of the vehicles and used the portfolio to buy to to pay for a vehicle outright.\n\nChannel 0: Yep. Not a problem. And then so you've answered these questions previously as well. These are a few odd ones and just because it's like, obviously, I said the the new process there, but you've never declared bankruptcy previously before, have you?\n\nChannel 1: No. I've never declared bankruptcy.\n\nChannel 0: And you're not a tax resident for any other jurisdiction at the moment?\n\nChannel 1: Not at the moment. I was a couple of years ago, but not at the moment.\n\nChannel 0: Okay. Not a problem. And then as far as being politically exposed, you're not involved in any politics or any family in politics?\n\nChannel 1: Oh, god. No.\n\nChannel 0: Okay. Not a problem. And as far as the health's been going, no unexpected hospital trips or anything like that that since we sort of last spoke? No medications, injuries?\n\nChannel 1: Only in the essence that my son seems to have something benign on him, but we need to get checked and confirmed that it's benign.\n\nChannel 0: Okay. No problem. And as far as yourself, sir?\n\nChannel 1: Myself is fine.\n\nChannel 0: Yep. Not taking any medications currently?\n\nChannel 1: I'm taking medications to to manage an ongoing condition.\n\nChannel 0: And I know it's a bit personal, but do you mind me asking what that is currently? If you don't feel like\n\nChannel 1: It's\n\nChannel 0: you wanna\n\nChannel 1: sorry.\n\nChannel 0: disclose\n\nChannel 1: No. No.\n\nChannel 0: it.\n\nChannel 1: I'm just just getting the right term. So it's called IBD inflammatory bowel disease.\n\nChannel 0: Okay. And it but it's not Crohn's or anything like that?\n\nChannel 1: Well, Crohn's is underneath that, but, no, it's not Crohn's specifically.\n\nChannel 0: Yeah.\n\nChannel 1: It's ulcerative colitis. It's a specific variant that I'm referring to. It's like Crohn's, just\n\nChannel 0: Yeah.\n\nChannel 1: as a in a different part of the bowels.\n\nChannel 0: And then within regards to that one, that doesn't predate your income protection cover, does it? That these come after you got your insurances with us?\n\nChannel 1: When did I get my insurances with you guys?\n\nChannel 0: I'll just check the exact date. Bear with me.\n\nChannel 1: It's been quite a few years now.\n\nChannel 0: Back in 2020 is when this policy started. So was the diagnosis after that?\n\nChannel 1: I can't recall, to be honest. I I have been I I think it would have been somewhere around 2021 that I got diagnosed, but I couldn't give you the exact date of hang on. Let me check.\n\nChannel 0: No. That should be fine. Because you do have a loading on your as I said, because we haven't sort of spoken before. It doesn't specifically list because of the age of the the policy what the loading was for. It could be for the fact that you had IVD back then, and that's why you have a 75% loading on your cover.\n\nBut I'd have to try and find and redownload the the application summary to see what was disclosed, but that's fine. We can also just\n\nChannel 1: Look. I officially got diagnosed in 2021, but\n\nChannel 0: yep.\n\nChannel 1: I had known I had issues before that. And I would have likely disclosed it, but I never had an official diagnosis until 2021.\n\nChannel 0: Okay. Not a problem. We can always revisit that and have a look at that. Worst case scenario, it's just something we'd disclose to the insurer. You do have the loading there, and it doesn't specifically state why.\n\nSo I'd say it's there to say from the conditions that you did disclose. Now, obviously, you know, as you get older too, you end the policy to get older, your insurance gets more expensive, so you can, like, review and go to market again. Obviously, when you do have this sort of set diagnosis as well, those might be loadings or exclusions moving forward. It's just something to be aware of. But I'll go over the cover amounts in a bit here and sort of have a discussion with you and see if you're still comfortable with those.\n\nBut at the moment there, Craig, do you have private health cover?\n\nChannel 1: Yes. I do.\n\nChannel 0: Right. And then as far as a will being put in place, I don't have a note of you having one of you managed to get around to setting one up.\n\nChannel 1: No. I never set one up. My wife talked about it and it bugged me for it, but then life got in the way and we never got one done.\n\nChannel 0: Okay. Not a problem. What I can do there for you is I can send through to some general information from a local solicitor if you'd like to have a look at sort of some general pricing. Obviously, you know, you probably choose to to go with someone else, but it just can be a little bit of information for you to have.\n\nChannel 1: Sure. I'm okay with you sending me some information.\n\nChannel 0: No problem. As I said, they're a completely different service. So whether you go with them or not, it's my skin off my back. But\n\nChannel 1: Yeah.\n\nChannel 0: as far as anything else I haven't sort of discussed there, Craig, that you feel that might be important, is there anything that you sort of I didn't touch on that you wanna have a chat about? Or\n\nChannel 1: I'm assuming we're gonna talk about the how the super is doing next\n\nChannel 0: Yeah.\n\nChannel 1: anyway, so\n\nChannel 0: Yep. Yep.\n\nChannel 1: I'll I'll I'll hold my tongue until then.\n\nChannel 0: Okay. Not a problem. Yeah. So the next part there is we'll just quickly jump into a risk profile just to show you it sort of gauged your risk tolerance from when you sort of last had one done. So I'll just go through these questions here, but I know you have, even through your wife, had direct shares there previously, so that's fine.\n\nAnd then as far as inflation is concerned, are you still willing to take on a higher amount of risk to try and outpace inflation and, like, have a bit of a higher risk reward ratio?\n\nChannel 1: I would say yes. Because looking at the way my how much is in my super and the fact that I only started contributing to once I was I think in later in my twenties.\n\nChannel 0: Yep.\n\nChannel 1: So I'm late to the game in the Australian event.\n\nChannel 0: Yep.\n\nChannel 1: And noting the fact that I did look at the super account last week,\n\nChannel 0: Yep.\n\nChannel 1: and I had note would note that as of last year, it's down comparatively. So I'm I'm more than happy to go with the riskier approach.\n\nChannel 0: Do you say a more risky approach? Or Is\n\nChannel 1: I'm happy with the approach we have or slightly riskier approach.\n\nChannel 0: okay. Not a problem. Yeah. Because we thought we'll go over the performance here in a second and what did occur there for you and explain sort of why what happened there as well for you. But in regards to sort of your portfolio and if you sort of were to make a change for it and it still did decrease by, like, 20% in the next six months just due to what's happening in the market currently with, like, the wars and things like that, Would that make you wanna sort of shift to more secure asset, or are you happy sort of, you know, still investing moderately for growth and trying to get that longer term sort of time horizon going and sort of aiming the long term and not so much the short term?\n\nChannel 1: Considering a Supra is designed for something that I won't be able to access till I'm 60, which is another twenty years for me.\n\nChannel 0: Yep.\n\nChannel 1: I'm more geared towards the long term growth of it so that when I get to that point that there is a greater chance of it to be higher.\n\nChannel 0: Perfect. And then as far as when you super has taken a bit of a dive sort of, you know, obviously this year and, you know, previous years, like, potentially COVID if you were looking at it, Did that make you quite concerned\n\nChannel 1: No.\n\nChannel 0: at\n\nChannel 1: Because so, overall,\n\nChannel 0: all?\n\nChannel 1: I've been happy with the performance\n\nChannel 0: Or\n\nChannel 1: of the Netwealth account and your\n\nChannel 0: Yep.\n\nChannel 1: work in managing it because we've seen some ups and we've seen some downs. And I think overall, NetWise, it's up across the I don't know. The the\n\nChannel 0: Yeah.\n\nChannel 1: six\n\nChannel 0: Since\n\nChannel 1: years\n\nChannel 0: inception,\n\nChannel 1: I've been with you guys.\n\nChannel 0: yeah, it is up since, like, your inception of being onboard. Obviously, the last sort of year sort of wiped a bit of that off in terms of, like, a dollar figure. I'll cover the performance after this last question here. But then in regards to borrowed money there, would you like you said, you'd borrow for investment property. Would you ever borrowed for, like, a share portfolio in the future if sort of circumstances were a little bit different or if you did have, like, the available funds?\n\nChannel 1: I'm not confident in my ability to man to select the\n\nChannel 0: Yep.\n\nChannel 1: correct\n\nChannel 0: No.\n\nChannel 1: shares. And I don't have the mental well, the mental drive because I just don't find shares, and that's an interesting topic to go and do the background research necessary to to actually do investments.\n\nChannel 0: And be sort of confident in your investments. That's fine.\n\nChannel 1: Yes.\n\nChannel 0: That still does bring you out to a high growth investment investor there. So it's around that ninety ten split of around 90¢ growth assets and about 10% more to defensive assets. Now that is currently what you are in within your Netwealth account, and I will send you out this as well. So bear with me. It'll just have all your documents for you and your review here.\n\nAnd it'll just be going to that craig.cameron85@gmail.com, and then you'll have that to be able to have a look at it. So that should be with you there shortly. Now as I said, it has been a bit of a a rough year in terms of, like, the performance that did occur within your portfolio, and that's not just the war. So once you get that form up in front of you there, it will show you individual underlying investments. Now as a result of, obviously, the war in Iran, it has had a bit of an impact on Super overall, not just yourself, but everyone.\n\nNow back, obviously, five to six years ago when you originally came on board, I can't sort of pertain to, like, the conversations you did have, but you did have a larger portion into an actively managed fund. I don't know if you remember sort of back that far in the discussions you have with the adviser there in regards to that. But\n\nChannel 1: Yeah.\n\nChannel 0: Bennelong\n\nChannel 1: I think so.\n\nChannel 0: yeah. Bennelong\n\nChannel 1: It's heavy.\n\nChannel 0: was like a yeah. Okay. Bennelong was like an actively managed Australian equities. And then previously, you know, after the flight was tracking really quite well. Unfortunately, at the end of last year, they did have an underlying investment that was done for not reporting correctly, which caused them to take it down with Skid in terms having to reevaluate that, not only that stock, but people sort of, you know, reevaluating Bennelong and sort of how they wanna be in Bennelong or not.\n\nAnd then also the war did hit at the same time, so a bit of a double whammy. As far\n\nChannel 1: So\n\nChannel 0: as the\n\nChannel 1: what's\n\nChannel 0: the rest\n\nChannel 1: been\n\nChannel 0: wait.\n\nChannel 1: the loan?\n\nChannel 0: It's an Australian managed fund. So in index is where they basically track the markets in a managed fund. It's up to the fund manager to the investments to be able to sort of try and outperform the market. You do pay a little bit more for those managed funds to try and\n\nChannel 1: Okay.\n\nChannel 0: outperform the market.\n\nChannel 1: Yes.\n\nChannel 0: Now, unfortunately, with what did happen, because you had such a higher weighting, like, of that 30% in it, it did cause the the downward skew of your portfolio for the year. It was around 3.5% down, which, you know, in the grand scheme of things isn't like a huge drop overall in terms of, like, your balance. It's obviously not ideal. But in saying that, like, the rest of your portfolio did somewhat prop it up. The only other thing that did have a bit of a bad deal was cybersecurity, and that's because all the AI and everything at the start of this year also did take a bit of a dip.\n\nNow the the options with those, we can obviously refresh the portfolio and have a look and review your your account, the platform, and the investments there just to ensure that moving forward, obviously, 30% is quite a high way to have in any sort of managed fund. We can still look to keep some active management there for you if you do still want the ability to try and outperform the market and have that little bit more risk like you were saying. But with that, we can look to adjust it a little bit to balance it a little bit more across sort of some active management and those passive sort of lower cost investments as well to hopefully, you know, put\n\nChannel 1: So\n\nChannel 0: you in a better position moving forward for the next sort of five to to ten years.\n\nChannel 1: I agree with your assessment on the\n\nChannel 0: Yep.\n\nChannel 1: basis that you are the expert in this area.\n\nChannel 0: Yep.\n\nChannel 1: That's the reason I'm going with a financial your financial services is so that you can manage those things and advise me. And if you believe there is a concern with the way it's currently set up, I am more than happy for you to make adjustments necessary to to bring it into a better position.\n\nChannel 0: Perfect. Because with that one there, obviously, we're not just gonna go in and make the changes. We do have to put in a statement of advice, so it will probably take a few weeks for you there. We'll do the research. We'll put it together.\n\nYou'll be able to have a chance to review it and have a look at the changes and make sure you're happy with it. And if you were, you'd sign the document, and then we'd look at updating that investment for you. Now as far as your insurances are concerned there as well, you do have, as I said before, life income protection and total permanent disability. Now in regards to the life and TPD there, you do have around 870,000, a little bit over, which is sort of more than enough to cover your current debts, some income replacement after the fact. Maybe not as much income replacement given that you're on such a high income, but definitely more than just covering debts.\n\nAnd then in regards to your income replacement, now, generally, you can cover for up to 70% of your current income. Now with your pay increase since you had the policy there, you're only covered for a monthly benefit around 7,000, where 70% of your current income is sitting around the 10,700\n\nChannel 1: Is\n\nChannel 0: or 10,800 more so if you're rounding up in regards to a monthly benefit in the event anything did happen.\n\nChannel 1: is\n\nChannel 0: Now\n\nChannel 1: that before\n\nChannel 0: you\n\nChannel 1: or after tax?\n\nChannel 0: you still have to pay tax. So it you you can only ever cover up to 70% of your current income. And back, obviously, when you took out the policy, your income was quite a bit less, so you chose to go with a little bit less.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: But\n\nChannel 0: then you'd\n\nChannel 1: sorry. Sorry. What I meant by that is so currently, after taxes, I mean, per month, I clear about maybe 11,000.\n\nChannel 0: This is pretax dollars. Sorry. So obviously,\n\nChannel 1: Okay. That that's that's\n\nChannel 0: we've\n\nChannel 1: why I was clarifying. You're referring\n\nChannel 0: yes,\n\nChannel 1: to\n\nChannel 0: sir.\n\nChannel 1: pretax dollars. Yeah.\n\nChannel 0: Because\n\nChannel 1: Okay.\n\nChannel 0: within regards to the income protection payments, the monthly benefits still has tax applied to that. You don't just get that as, like, a tax free payment. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So the numbers are, yeah, pretax. So in saying that, like, income protection is the more costly insurance, But with that as well, because the age of your policy, it has obviously crept up a bit in terms of, like, the price you do pay with the loading as well. Given it's a 2020 policy, some of the income protection policies back then are a little bit more comprehensive than newer ones. But sometimes the features lost in gain can be sort of worth rewriting. To have a look at insurances and rewriting insurances, then we would have to do, like, a pre assessment to be able to assess your current sort of health, everything, you know, the preexisting conditions and sort of family and a bit more about your occupation to be able to do that.\n\nIs that something you wanna undertake at the moment, or are you happy with the cover that you hold currently and it would satisfy your needs if anything did happen?\n\nChannel 1: I think if something were to happen at the moment, it would be a bit tight, but I believe I think we could still make it work.\n\nChannel 0: Yep. So would you be happy retaining what the current cover you have, or is that something you want to do that sort of pre assessment process with us and revisit that as well at this time?\n\nChannel 1: I I think at this time so I looked at the other day,\n\nChannel 0: Yep.\n\nChannel 1: and I think at this time, I would be happy to maybe reassess it next year.\n\nChannel 0: Next year?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. As I said, like, as you do, like, hold a policy, unfortunately, it's not like a, you know, member's discount. It actually cumulatively kinda goes up on a bit of a curve that your premiums do sort of jump up a little bit more aggressively each year. So,\n\nChannel 1: Yep.\n\nChannel 0: generally, around a bit after the five year mark anyway or three to five years depending on what the policy is doing, you do potentially look at rerunning it. As I said, given that your IP policy is a little bit older, it might have some benefits you might be foregoing with an update. And then it just depends, like, on health sort of diagnosis, things like that that how they might rate cover.\n\nChannel 1: Yep.\n\nChannel 0: Given that you do have the 75% loading currently, I'm assuming, yeah, you probably did disclose some sort of thing in regards to the condition you do hold. But in saying that if it's already sort of listed on this policy as a loading, it's likely to just be one on the the new one anyway, so that doesn't make much of a difference in regards to that. Happy\n\nChannel 1: Yeah.\n\nChannel 0: to move a note here just revisit it next year. The only other insurance that you don't have currently and you should be aware of is trauma cover. Now trauma cover is like an out of pocket lump sum cover similar to, like, how TPD works, but it has to be paid out of pocket. And the one thing it sort of does is it covers for traumatic events like heart attacks, strokes, those sort of traumatic injuries where you may not be totally permanently disabled. You may not be off work for, like, your thirty days for an income protection policy.\n\nBut if you get, like, a a cancer diagnosis, things like that, sometimes you might wanna take some work off. You might wanna be able to, you know, afford some some more medication travel for treatments, things like that as well, which is a cover that you don't hold, but it is an option in the future as well, which is something you should be just aware of. It's a bit of a\n\nChannel 1: I think at this stage, I don't\n\nChannel 0: refresh.\n\nChannel 1: particularly think that interests me.\n\nChannel 0: Yep.\n\nChannel 1: But if we are going to be reassessing it next year for the total package for the the life and death and permanent disability and\n\nChannel 0: Yep.\n\nChannel 1: income protection, then it'd probably be something we can discuss at that stage.\n\nChannel 0: Yeah. And, look, we're always more than happy to just give you the general pricing and put in the recommendation. The worst thing you do is say, no. You don't want it at the end of the day as well. So I'll make a note of that, put it here.\n\nYou just wanna review all parts of cover next year and just reassess based on your your needs. By then as well, you might be thinking about investment properties, things like that, and due debt might change slightly depending on how you structure your loan, which is something you probably should be looking at your insurance cover anyway at those stages. That and just the\n\nChannel 1: Yep.\n\nChannel 0: income increase there as well. There is the option to look at sort of life increases as well, but given that your income's jumped up so significantly, it can only do up to a max 15% of your your current amount, which wouldn't really do much in terms of, like, reaching what you're currently at as opposed to rewriting the cover.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Worst comes to worst, if anything did come out of it, we can just look doing some form of top ups and things like that as well. But as far as because did you get the forms come through in that email there, Craig?\n\nChannel 1: Yes. But at the moment, I'm on a phone, so I can't really do too much.\n\nChannel 0: That's perfectly fine. I'll just run through the forms that are there for you, and I'll shoot you an email with that that budget planner, I believe. I'll get my colleague to send out the beneficiary forms when she gets a a chance there for you.\n\nChannel 1: Yep.\n\nChannel 0: But in regards to documents that will be in that, so the signable ones, there would be the ongoing service agreement if you are happy to stay on board as a client and are happy to\n\nChannel 1: Yep.\n\nChannel 0: have the service for the next twelve months. The next one after that would be tax file opt in form, just where we store your tax file number. It's just been changed for, you know, compliance purposes. They've just updated the form. So that's where we store your tax file number and has been updated that needs to be signed.\n\nSo you're still happy for that. And then with the attachments, you have a Vanguard index chart, show you sort of the ups and downs in the market. Then it is a 2025 copy there, so, unfortunately, you won't get the the war on that on the end of that, but you'll be able to see, you know, COVID dip. You'll be able to see out recovered from that. You'll be able to see the tariff talk within regards to Trump and everything as well and how the markets have sort of fed since that to just sort of give you a highlight of how markets do behave over time.\n\nYou do have that twelve month performance, as I said, not too fantastic. It's only the two funds that caused that, though, and it's mainly due to your high waiting in that managed fund,\n\nChannel 1: Yep.\n\nChannel 0: which we'll look to sort of adjust there moving forward. You'll have a COC for the NEOS policy as well. We have a little summary of your super insurance, and then you'll have the utmost up to date financial service and OQ services guide if you did wanna review that with the business changes and everything. And are you currently receiving the the email updates there as well with everything that has been changing,\n\nChannel 1: Email\n\nChannel 0: Craig? Are you part of\n\nChannel 1: updates?\n\nChannel 0: the each month, they send out a bit of an a newsletter from Oakview.\n\nChannel 1: Yes. It appears I am being spammed.\n\nChannel 0: Yes. So each month, you do get just an email update on sort of business changes, things that are changing there as well just to be able to review that and make sure that if anything is occurring, you're sort of aware of it that is changing with the business because as I said, there has been a few quite a few changes there for you. In regards to that as well, I just wanna double check your partner. She's not a client with us at the moment, is she there,\n\nChannel 1: No.\n\nChannel 0: Craig?\n\nChannel 1: She's not.\n\nChannel 0: Yeah. Okay. That's that's fine. I'll just ask because they do currently have a coupling fee going on, and with the change in CRMs that we're using, it's some of the linkings and stuff didn't come across. So if your partner is on board, it does drop the fees down to 1.1% at the moment, which is fantastic.\n\nIf she's happy doing her own thing, that's more than fine. But, also, if you do refer people on, they do have the referral program still running. So if you're talking to colleagues, friends, family, things like that, and do refer Oakview as a, you know, trusted partner there that you're happy to refer us onto if they did come on board through your referral. You get a $100 gift card at the moment. So if you are putting the name out there and having conversations with people, make sure they say you're you're the one that sent them.\n\nJust you might get a bit of free money out of it.\n\nChannel 1: Okay.\n\nChannel 0: Not\n\nChannel 1: No.\n\nChannel 0: a\n\nChannel 1: Not\n\nChannel 0: problem.\n\nChannel 1: a problem.\n\nChannel 0: Is there anything else that you want to have a chat with me about, Craig, in regards to the superannuation, how that did perform, the you know, anything else that we covered that you wanted to have a bit more conversation about?\n\nChannel 1: So let's see. The performance was bad for reasons\n\nChannel 0: Yep.\n\nChannel 1: x, y, and z. I accept. Fair enough. You noted that the ratio of the distribution of the funds within the Netwealth Super has it loaded on a poor performing item that may need to be adjusted, and you will go off and investigate what the best solution would be and are going to provide me a document that states that for me to review and sign. I\n\nChannel 0: If you're happy with everything. Correct? Yep.\n\nChannel 1: know I didn't say it exactly the way you said it, but\n\nChannel 0: I think\n\nChannel 1: yes.\n\nChannel 0: you covered\n\nChannel 1: You know?\n\nChannel 0: it pretty well. So yeah. No. That's fine.\n\nChannel 1: No. I understand that some years are gonna be worse than others and noting that Trump is not making it easy for anyone. And, yeah, that's fine. That's expected.\n\nChannel 0: Yeah. As I said, it was a bit of a double whammy with that underlying performance of that asset in the fund and then the world events that is occurring. And it was just a bit unfortunate that the one asset that wasn't really performing too fantastic in the portfolio is the one that you're most heavily weighted in there. So we'll look at adjusting that and sort of moving that forward to where if something like that does happen, you don't have such an aggressive sort of weighting towards one\n\nChannel 1: Yep.\n\nChannel 0: particular thing that is a managed fund that does carry that sort of financial risk.\n\nChannel 1: Okay. That's not a problem. Thank you.\n\nChannel 0: No problem, Craig. Well, if you don't have anything for me there, I'll let you get back to your morning. I'm probably taking up enough time here already. But if you do have any questions, feel free to respond to that email or give us call with any of those documents once you do have a chance to go through a little look through them. Obviously, if you're happy to stay on board for another twelve months, that's ongoing service agreement to that and then the expected fee within regards to that for the twelve month period.\n\nIt is a non locking contract too, so at any point you did feel like you're not getting the most out of the service, you don't feel like you have to be trapped as well, just for a bit of peace of mind. But, otherwise, I'll leave you to those documents that I review on your own time, Craig, and I'm sure we'll be talking soon.\n\nChannel 1: No problem. Thank you for that.\n\nChannel 0: No problem at all, Craig. Thanks for your time. Bye now.\n\nChannel 1: Alright. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Craig.","start":1.28,"end":2.1599998,"sentiment":"positive","sentiment_score":0.46966302394866943},{"text":"Thanks for returning my call there.","start":2.1599998,"end":3.78,"sentiment":"positive","sentiment_score":0.6532523930072784}],"sentiment":"positive","sentiment_score":0.5920559366544088,"channel":0,"num_words":9,"start":1.28,"end":3.78},{"sentences":[{"text":"No.","start":4.0,"end":4.48,"sentiment":"neutral","sentiment_score":-0.1568652093410492},{"text":"Apologies.","start":4.48,"end":4.96,"sentiment":"neutral","sentiment_score":-0.2884193956851959},{"text":"I didn't pick up the first two times you tried to reach out to me.","start":4.96,"end":7.6,"sentiment":"neutral","sentiment_score":-0.17773492534955343},{"text":"I was I had stepped out for a second, and I forgot that I had a 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just sort of amped it up a little bit there as well.","start":30.560001,"end":37.84,"sentiment":"neutral","sentiment_score":0.12064709559534535}],"sentiment":"neutral","sentiment_score":0.1250197932124138,"channel":0,"num_words":80,"start":17.855,"end":37.84},{"sentences":[{"text":"So I will spend the first bit there going through updating some of your details there, your risk profile, and then I'll send you out some documents as well to sort of review the past twelve months and how things have traveled as well for 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correct.","start":57.695,"end":58.515,"sentiment":"neutral","sentiment_score":0.11700935661792755}],"sentiment":"neutral","sentiment_score":0.1064211626847585,"channel":1,"num_words":3,"start":57.454998,"end":58.515},{"sentences":[{"text":"Com?","start":60.07,"end":60.309998,"sentiment":"neutral","sentiment_score":0.08172250539064407},{"text":"Perfect.","start":60.309998,"end":60.809998,"sentiment":"neutral","sentiment_score":0.21518710255622864},{"text":"And then your address says 45 Parkland 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correct?","start":69.51,"end":70.57,"sentiment":"neutral","sentiment_score":0.09017358161509037}],"sentiment":"neutral","sentiment_score":0.13864184822887182,"channel":0,"num_words":16,"start":66.229996,"end":70.57},{"sentences":[{"text":"correct.","start":71.1,"end":71.5,"sentiment":"neutral","sentiment_score":0.04246360436081886},{"text":"Do you have it as Amanda Cook or Amanda Cameron?","start":71.5,"end":74.215,"sentiment":"neutral","sentiment_score":0.022136567160487175}],"sentiment":"neutral","sentiment_score":0.023984479633244602,"channel":1,"num_words":11,"start":71.1,"end":74.215},{"sentences":[{"text":"Amanda 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the beneficiary forms, yeah, need to be?","start":87.21,"end":89.39,"sentiment":"neutral","sentiment_score":0.017630396061576903}],"sentiment":"neutral","sentiment_score":0.01856571777413289,"channel":0,"num_words":9,"start":86.25,"end":89.39},{"sentences":[{"text":"yeah.","start":89.81,"end":90.049995,"sentiment":"neutral","sentiment_score":0.00732034258544445},{"text":"You","start":90.049995,"end":90.29,"sentiment":"neutral","sentiment_score":-0.004795689135789871}],"sentiment":"neutral","sentiment_score":0.0012623267248272896,"channel":1,"num_words":2,"start":89.81,"end":90.29},{"sentences":[{"text":"Three","start":90.25,"end":90.57,"sentiment":"neutral","sentiment_score":-0.017497148364782333}],"sentiment":"neutral","sentiment_score":-0.017497148364782333,"channel":0,"num_words":1,"start":90.25,"end":90.57},{"sentences":[{"text":"sent me","start":90.29,"end":90.61,"sentiment":"neutral","sentiment_score":-0.010243283584713936}],"sentiment":"neutral","sentiment_score":-0.010243283584713936,"channel":1,"num_words":2,"start":90.29,"end":90.61},{"sentences":[{"text":"times.","start":90.57,"end":91.07,"sentiment":"neutral","sentiment_score":-0.006910437718033791}],"sentiment":"neutral","sentiment_score":-0.006910437718033791,"channel":0,"num_words":1,"start":90.57,"end":91.07},{"sentences":[{"text":"the forms previously about two years ago.","start":90.61,"end":93.009995,"sentiment":"neutral","sentiment_score":-0.007028640913111823},{"text":"Would they still be valid, or would it be better for you to send me fresh ones?","start":93.009995,"end":96.31,"sentiment":"neutral","sentiment_score":0.00169033305171658}],"sentiment":"neutral","sentiment_score":-0.0008527010213583708,"channel":1,"num_words":24,"start":90.61,"end":96.31},{"sentences":[{"text":"I'll probably send you the fresh ones just in case they have updated the form since then and save you sort of having to fill it out twice.","start":96.505,"end":102.285,"sentiment":"neutral","sentiment_score":0.11551019549369812},{"text":"Do you have access to a printer, or do you wanna sort of have it just during the post?","start":102.425,"end":105.965004,"sentiment":"neutral","sentiment_score":0.025170422796356052}],"sentiment":"neutral","sentiment_score":0.07898986185009176,"channel":0,"num_words":47,"start":96.505,"end":105.965004},{"sentences":[{"text":"No.","start":107.335,"end":107.655,"sentiment":"neutral","sentiment_score":-0.032306864857673645},{"text":"I've got access to a 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there","start":110.76,"end":113.98,"sentiment":"neutral","sentiment_score":0.25206833376603965}],"sentiment":"neutral","sentiment_score":0.26974817953611674,"channel":0,"num_words":19,"start":110.04,"end":113.98},{"sentences":[{"text":"Yeah.","start":114.454994,"end":114.695,"sentiment":"neutral","sentiment_score":0.23445022106170657}],"sentiment":"neutral","sentiment_score":0.23445022106170657,"channel":1,"num_words":1,"start":114.454994,"end":114.695},{"sentences":[{"text":"in","start":114.52,"end":114.76,"sentiment":"neutral","sentiment_score":0.1227056086063385}],"sentiment":"neutral","sentiment_score":0.1227056086063385,"channel":0,"num_words":1,"start":114.52,"end":114.76},{"sentences":[{"text":"That's","start":114.695,"end":114.935,"sentiment":"positive","sentiment_score":0.3918173015117645}],"sentiment":"positive","sentiment_score":0.3918173015117645,"channel":1,"num_words":1,"start":114.695,"end":114.935},{"sentences":[{"text":"regards","start":114.76,"end":115.08,"sentiment":"positive","sentiment_score":0.4579814672470093}],"sentiment":"positive","sentiment_score":0.4579814672470093,"channel":0,"num_words":1,"start":114.76,"end":115.08},{"sentences":[{"text":"perfect.","start":114.935,"end":115.435,"sentiment":"positive","sentiment_score":0.6507341861724854}],"sentiment":"positive","sentiment_score":0.6507341861724854,"channel":1,"num_words":1,"start":114.935,"end":115.435},{"sentences":[{"text":"to superannuation and the insurances.","start":115.08,"end":116.7,"sentiment":"positive","sentiment_score":0.4256530344486237},{"text":"So that's good.","start":116.84,"end":117.82,"sentiment":"positive","sentiment_score":0.6616409023602804},{"text":"Now as far as your occupation, I know that sort of since you came on board, you did change your occupation.","start":119.175,"end":125.495,"sentiment":"neutral","sentiment_score":0.045487064513422194},{"text":"I've just got you down as a systems engineer.","start":125.495,"end":127.175,"sentiment":"neutral","sentiment_score":0.040081208364831075},{"text":"Do you mind if I grab a little bit more information around what you're doing 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engineering.","start":136.545,"end":142.08499,"sentiment":"neutral","sentiment_score":0.04856505850329995},{"text":"The system engineering is essentially just project engineering is with what you'd also classify it as where you're just taking the customer requirements, breaking them down into individual chunks, selecting the components and systems that would satisfy those requirements, and then showing proof and evidence that the that it meets the requirements, and then test and make sure it works correctly.","start":146.03,"end":171.685,"sentiment":"neutral","sentiment_score":0.11502771195573885}],"sentiment":"neutral","sentiment_score":0.10732189706270245,"channel":1,"num_words":69,"start":136.545,"end":171.685},{"sentences":[{"text":"Yep.","start":173.315,"end":173.63501,"sentiment":"neutral","sentiment_score":0.03371454030275345},{"text":"And as far because just working in the the rail there, are you in an office, like, a 100% of the 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anyway.","start":769.54,"end":778.295,"sentiment":"neutral","sentiment_score":-0.1926856118440628},{"text":"But","start":779.395,"end":779.875,"sentiment":"neutral","sentiment_score":0.08708108216524124}],"sentiment":"neutral","sentiment_score":-0.1819253543821665,"channel":0,"num_words":26,"start":769.54,"end":779.875},{"sentences":[{"text":"Yeah.","start":779.535,"end":780.035,"sentiment":"neutral","sentiment_score":0.16146408021450043}],"sentiment":"neutral","sentiment_score":0.16146408021450043,"channel":1,"num_words":1,"start":779.535,"end":780.035},{"sentences":[{"text":"it's always sort of worth the discussion at some point as well when you do wanna have a chat about 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nonfunctional.","start":1106.4401,"end":1112.3,"sentiment":"neutral","sentiment_score":0.06828120307010763},{"text":"Yeah.","start":1113.875,"end":1114.195,"sentiment":"neutral","sentiment_score":0.21049195528030396},{"text":"I'd probably be starting to look towards an investment property.","start":1114.195,"end":1120.9349,"sentiment":"neutral","sentiment_score":0.2169170692563057}],"sentiment":"neutral","sentiment_score":0.17708940593860087,"channel":1,"num_words":39,"start":1097.855,"end":1120.9349},{"sentences":[{"text":"Yep.","start":1123.3151,"end":1123.8151,"sentiment":"neutral","sentiment_score":0.16855601966381073},{"text":"Okay.","start":1123.9551,"end":1124.355,"sentiment":"neutral","sentiment_score":0.14808815717697144},{"text":"And as far as that, is there any sort of other shorter term goals that you're looking to do at the 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we've","start":1172.495,"end":1172.975,"sentiment":"neutral","sentiment_score":0.22794897854328156}],"sentiment":"neutral","sentiment_score":0.22794897854328156,"channel":1,"num_words":2,"start":1172.495,"end":1172.975},{"sentences":[{"text":"understand.","start":1172.945,"end":1173.445,"sentiment":"neutral","sentiment_score":0.27009811997413635}],"sentiment":"neutral","sentiment_score":0.27009811997413635,"channel":0,"num_words":1,"start":1172.945,"end":1173.445},{"sentences":[{"text":"achieved that at this point.","start":1172.975,"end":1175.715,"sentiment":"neutral","sentiment_score":0.14942725002765656},{"text":"And then beyond the renovations, we hadn't really discussed anything further.","start":1176.335,"end":1181.9349,"sentiment":"neutral","sentiment_score":-0.06740042025392706},{"text":"There was nothing either critical or specifically wanted.","start":1181.9349,"end":1187.73,"sentiment":"neutral","sentiment_score":-0.14521512482315302}],"sentiment":"neutral","sentiment_score":-0.04816622380167246,"channel":1,"num_words":24,"start":1172.975,"end":1187.73},{"sentences":[{"text":"Yep.","start":1188.7999,"end":1189.0399,"sentiment":"neutral","sentiment_score":0.05044625699520111},{"text":"Not a problem.","start":1189.0399,"end":1189.755,"sentiment":"neutral","sentiment_score":0.08638986572623253},{"text":"And I also have here that you do have a share portfolio in your partner's name.","start":1189.755,"end":1193.355,"sentiment":"neutral","sentiment_score":0.08028095820918679},{"text":"Do you still have that portfolio?","start":1193.355,"end":1194.8151,"sentiment":"neutral","sentiment_score":0.02948907172928254}],"sentiment":"neutral","sentiment_score":0.06811713907294549,"channel":0,"num_words":26,"start":1188.7999,"end":1194.8151},{"sentences":[{"text":"No.","start":1196.015,"end":1196.495,"sentiment":"neutral","sentiment_score":-0.02650292031466961},{"text":"So that portfolio so when the second child came around, we found that we were needing a a bigger vehicle.","start":1196.495,"end":1206.4349,"sentiment":"neutral","sentiment_score":-0.027943532541394235}],"sentiment":"neutral","sentiment_score":-0.027874931959169253,"channel":1,"num_words":21,"start":1196.015,"end":1206.4349},{"sentences":[{"text":"Yep.","start":1207.13,"end":1207.63,"sentiment":"neutral","sentiment_score":0.03997880220413208}],"sentiment":"neutral","sentiment_score":0.03997880220413208,"channel":0,"num_words":1,"start":1207.13,"end":1207.63},{"sentences":[{"text":"So we traded in one of the vehicles and used the portfolio to buy to to pay for a vehicle outright.","start":1207.7749,"end":1215.7699,"sentiment":"neutral","sentiment_score":0.034887438373906274}],"sentiment":"neutral","sentiment_score":0.034887438373906274,"channel":1,"num_words":21,"start":1207.7749,"end":1215.7699},{"sentences":[{"text":"Yep.","start":1217.625,"end":1218.125,"sentiment":"neutral","sentiment_score":0.0870785340666771},{"text":"Not a problem.","start":1218.425,"end":1219.3251,"sentiment":"neutral","sentiment_score":0.1156764104962349},{"text":"And then so you've answered these questions previously as well.","start":1220.905,"end":1224.025,"sentiment":"neutral","sentiment_score":0.09887317195534706},{"text":"These are a few odd ones and just because it's like, obviously, I said the the new process there, but you've never declared bankruptcy previously before, have 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injuries?","start":1259.09,"end":1260.39,"sentiment":"neutral","sentiment_score":-0.05606542527675629}],"sentiment":"neutral","sentiment_score":0.08171198479831218,"channel":0,"num_words":30,"start":1251.81,"end":1260.39},{"sentences":[{"text":"Only in the essence that my son seems to have something benign on him, but we need to get checked and confirmed that it's benign.","start":1268.09,"end":1277.87,"sentiment":"neutral","sentiment_score":-0.049515899121761325}],"sentiment":"neutral","sentiment_score":-0.049515899121761325,"channel":1,"num_words":25,"start":1268.09,"end":1277.87},{"sentences":[{"text":"Okay.","start":1279.8401,"end":1280.24,"sentiment":"neutral","sentiment_score":0.12480038404464722},{"text":"No problem.","start":1280.24,"end":1281.06,"sentiment":"neutral","sentiment_score":0.1884390264749527},{"text":"And as far as yourself, 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just just getting the right term.","start":1308.525,"end":1310.0449,"sentiment":"neutral","sentiment_score":-0.1560970800263541},{"text":"So it's called IBD inflammatory bowel disease.","start":1310.0449,"end":1314.865,"sentiment":"neutral","sentiment_score":-0.0904622498367514}],"sentiment":"neutral","sentiment_score":-0.12327966493155275,"channel":1,"num_words":14,"start":1308.525,"end":1314.865},{"sentences":[{"text":"Okay.","start":1315.455,"end":1315.7749,"sentiment":"neutral","sentiment_score":-0.02899342216551304},{"text":"And it but it's not Crohn's or anything like that?","start":1315.7749,"end":1318.115,"sentiment":"neutral","sentiment_score":-0.07914472352713346}],"sentiment":"neutral","sentiment_score":-0.0745855143124407,"channel":0,"num_words":11,"start":1315.455,"end":1318.115},{"sentences":[{"text":"Well, Crohn's is underneath that, but, no, it's not Crohn's 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insurances with us?","start":1344.285,"end":1347.985,"sentiment":"neutral","sentiment_score":-0.05339658409357071}],"sentiment":"neutral","sentiment_score":-0.05347754347782869,"channel":0,"num_words":26,"start":1338.285,"end":1347.985},{"sentences":[{"text":"When did I get my insurances with you guys?","start":1349.335,"end":1351.6749,"sentiment":"neutral","sentiment_score":-0.048612194342745677}],"sentiment":"neutral","sentiment_score":-0.048612194342745677,"channel":1,"num_words":9,"start":1349.335,"end":1351.6749},{"sentences":[{"text":"I'll just check the exact date.","start":1353.02,"end":1355.04,"sentiment":"neutral","sentiment_score":-0.055491056914130844},{"text":"Bear with me.","start":1355.34,"end":1356.32,"sentiment":"neutral","sentiment_score":-0.05861085280776024}],"sentiment":"neutral","sentiment_score":-0.05653098887867398,"channel":0,"num_words":9,"start":1353.02,"end":1356.32},{"sentences":[{"text":"It's been quite a few years 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on.","start":1373.8416,"end":1388.82,"sentiment":"neutral","sentiment_score":-0.12531802572053055},{"text":"Let me check.","start":1388.82,"end":1389.72,"sentiment":"neutral","sentiment_score":-0.05542648832003275}],"sentiment":"neutral","sentiment_score":-0.12501527721944608,"channel":1,"num_words":38,"start":1372.0549,"end":1389.72},{"sentences":[{"text":"No.","start":1390.545,"end":1390.785,"sentiment":"neutral","sentiment_score":-0.12235736846923828},{"text":"That should be fine.","start":1390.785,"end":1391.5851,"sentiment":"neutral","sentiment_score":-0.08343864977359772},{"text":"Because you do have a loading on your as I said, because we haven't sort of spoken before.","start":1391.5851,"end":1395.525,"sentiment":"neutral","sentiment_score":-0.12544366634554333},{"text":"It doesn't specifically list because of the age of the the policy what the loading was for.","start":1395.8251,"end":1400.4299,"sentiment":"neutral","sentiment_score":-0.1876602365690119},{"text":"It could be for the fact that you had IVD back then, and that's why you have a 75% loading on your cover.","start":1400.4299,"end":1407.1699,"sentiment":"neutral","sentiment_score":-0.133282329077306}],"sentiment":"neutral","sentiment_score":-0.14237802463864524,"channel":0,"num_words":63,"start":1390.545,"end":1407.1699},{"sentences":[{"text":"But I'd have to try and find and redownload the the application summary to see what was disclosed, but that's fine.","start":1407.71,"end":1414.61,"sentiment":"neutral","sentiment_score":-0.0589145411338125},{"text":"We can also just","start":1415.415,"end":1416.635,"sentiment":"neutral","sentiment_score":0.060835693031549454}],"sentiment":"neutral","sentiment_score":-0.039754503667354585,"channel":0,"num_words":25,"start":1407.71,"end":1416.635},{"sentences":[{"text":"Look.","start":1416.18,"end":1416.68,"sentiment":"neutral","sentiment_score":0.037486035376787186},{"text":"I officially got diagnosed in 2021, but","start":1417.6201,"end":1422.975,"sentiment":"neutral","sentiment_score":-0.03981197306088039}],"sentiment":"neutral","sentiment_score":-0.030149722006171942,"channel":1,"num_words":8,"start":1416.18,"end":1422.975},{"sentences":[{"text":"yep.","start":1422.7051,"end":1423.2051,"sentiment":"neutral","sentiment_score":-0.060683201998472214}],"sentiment":"neutral","sentiment_score":-0.060683201998472214,"channel":0,"num_words":1,"start":1422.7051,"end":1423.2051},{"sentences":[{"text":"I had known I had issues before that.","start":1422.975,"end":1425.715,"sentiment":"neutral","sentiment_score":-0.10578505508601665},{"text":"And I would have likely disclosed it, but I never had an official diagnosis until 2021.","start":1426.175,"end":1433.155,"sentiment":"neutral","sentiment_score":-0.09595868829637766}],"sentiment":"neutral","sentiment_score":-0.099234143892924,"channel":1,"num_words":24,"start":1422.975,"end":1433.155},{"sentences":[{"text":"Okay.","start":1433.9099,"end":1434.3899,"sentiment":"neutral","sentiment_score":0.08042047917842865},{"text":"Not a problem.","start":1434.3899,"end":1435.45,"sentiment":"neutral","sentiment_score":0.10996096084515254},{"text":"We can always revisit that and have a look at that.","start":1436.63,"end":1439.37,"sentiment":"neutral","sentiment_score":0.10330958732149818},{"text":"Worst case scenario, it's just something we'd disclose to the insurer.","start":1439.4299,"end":1441.625,"sentiment":"neutral","sentiment_score":-0.2252133529294621},{"text":"You do have the loading there, and it doesn't specifically state why.","start":1441.625,"end":1444.1051,"sentiment":"neutral","sentiment_score":-0.0664485152810812}],"sentiment":"neutral","sentiment_score":-0.04547421693017608,"channel":0,"num_words":38,"start":1433.9099,"end":1444.1051},{"sentences":[{"text":"So I'd say it's there to say from the conditions that you did disclose.","start":1444.1051,"end":1448.2051,"sentiment":"neutral","sentiment_score":-0.07361572501914841},{"text":"Now, obviously, you know, as you get older too, you end the policy to get older, your insurance gets more expensive, so you can, like, review and go to market again.","start":1448.5851,"end":1455.5651,"sentiment":"neutral","sentiment_score":-0.17690246143648702},{"text":"Obviously, when you do have this sort of set diagnosis as well, those might be loadings or exclusions moving forward.","start":1455.625,"end":1461.16,"sentiment":"neutral","sentiment_score":-0.10177106000483035},{"text":"It's just something to be aware of.","start":1461.78,"end":1463.0599,"sentiment":"neutral","sentiment_score":-0.11032578987734658},{"text":"But I'll go over the cover amounts in a bit here and sort of have a discussion with you and see if you're still comfortable with those.","start":1463.0599,"end":1468.04,"sentiment":"neutral","sentiment_score":0.06737951582504643}],"sentiment":"neutral","sentiment_score":-0.07578839653293894,"channel":0,"num_words":99,"start":1444.1051,"end":1468.04},{"sentences":[{"text":"But at the moment there, Craig, do you have private health cover?","start":1469.3,"end":1472.5851,"sentiment":"neutral","sentiment_score":-0.010871732452263435}],"sentiment":"neutral","sentiment_score":-0.010871732452263435,"channel":0,"num_words":12,"start":1469.3,"end":1472.5851},{"sentences":[{"text":"Yes.","start":1473.24,"end":1473.5599,"sentiment":"neutral","sentiment_score":0.12349822372198103},{"text":"I do.","start":1473.5599,"end":1474.22,"sentiment":"neutral","sentiment_score":0.13486188277602196}],"sentiment":"neutral","sentiment_score":0.131073996424675,"channel":1,"num_words":3,"start":1473.24,"end":1474.22},{"sentences":[{"text":"Right.","start":1474.7251,"end":1475.2251,"sentiment":"neutral","sentiment_score":0.049517083913087845},{"text":"And then as far as a will being put in place, I don't have a note of you having one of you managed to get around to setting one up.","start":1475.4451,"end":1482.66,"sentiment":"neutral","sentiment_score":-0.07596763558685779}],"sentiment":"neutral","sentiment_score":-0.0719197414094402,"channel":0,"num_words":31,"start":1474.7251,"end":1482.66},{"sentences":[{"text":"No.","start":1483.235,"end":1483.555,"sentiment":"neutral","sentiment_score":-0.2637614905834198},{"text":"I never set one up.","start":1483.555,"end":1484.995,"sentiment":"neutral","sentiment_score":-0.2514693349599838},{"text":"My wife talked about it and it bugged me for it, but then life got in the way and we never got one done.","start":1484.995,"end":1490.855,"sentiment":"negative","sentiment_score":-0.3698972513278325}],"sentiment":"negative","sentiment_score":-0.346621406575044,"channel":1,"num_words":30,"start":1483.235,"end":1490.855},{"sentences":[{"text":"Okay.","start":1491.7001,"end":1492.1,"sentiment":"neutral","sentiment_score":0.007481910288333893},{"text":"Not a problem.","start":1492.1,"end":1492.8401,"sentiment":"neutral","sentiment_score":0.09686749428510666},{"text":"What I can do there for you is I can send through to some general information from a local solicitor if you'd like to have a look at sort of some general pricing.","start":1493.2201,"end":1500.355,"sentiment":"neutral","sentiment_score":0.13258950344540857},{"text":"Obviously, you know, you probably choose to to go with someone else, but it just can be a little bit of information for you to have.","start":1500.355,"end":1506.295,"sentiment":"neutral","sentiment_score":0.04755764296994759}],"sentiment":"neutral","sentiment_score":0.09381010673112339,"channel":0,"num_words":63,"start":1491.7001,"end":1506.295},{"sentences":[{"text":"Sure.","start":1506.115,"end":1506.615,"sentiment":"neutral","sentiment_score":0.2358069568872452},{"text":"I'm okay with you sending me some information.","start":1506.915,"end":1509.175,"sentiment":"neutral","sentiment_score":0.27992686443030834}],"sentiment":"neutral","sentiment_score":0.2750246524810791,"channel":1,"num_words":9,"start":1506.115,"end":1509.175},{"sentences":[{"text":"No problem.","start":1510.05,"end":1510.77,"sentiment":"neutral","sentiment_score":0.11335791647434235},{"text":"As I said, they're a completely different service.","start":1510.77,"end":1512.4501,"sentiment":"neutral","sentiment_score":-0.1118673849850893},{"text":"So whether you go with them or not, it's my skin off my back.","start":1512.4501,"end":1515.11,"sentiment":"neutral","sentiment_score":-0.2926401416105883},{"text":"But","start":1515.73,"end":1516.2101,"sentiment":"neutral","sentiment_score":-0.05305376648902893}],"sentiment":"neutral","sentiment_score":-0.19272955983877182,"channel":0,"num_words":25,"start":1510.05,"end":1516.2101},{"sentences":[{"text":"Yeah.","start":1516.115,"end":1516.615,"sentiment":"neutral","sentiment_score":0.013141144067049026}],"sentiment":"neutral","sentiment_score":0.013141144067049026,"channel":1,"num_words":1,"start":1516.115,"end":1516.615},{"sentences":[{"text":"as far as anything else I haven't sort of discussed there, Craig, that you feel that might be important, is there anything that you sort of I didn't touch on that you wanna have a chat about?","start":1516.2101,"end":1526.375,"sentiment":"neutral","sentiment_score":0.07916820351336454},{"text":"Or","start":1526.375,"end":1526.615,"sentiment":"neutral","sentiment_score":0.03040701523423195}],"sentiment":"neutral","sentiment_score":0.0778850143481242,"channel":0,"num_words":38,"start":1516.2101,"end":1526.615},{"sentences":[{"text":"I'm assuming we're gonna talk about the how the super is doing next","start":1531.895,"end":1535.815,"sentiment":"neutral","sentiment_score":0.12382132266289912}],"sentiment":"neutral","sentiment_score":0.12382132266289912,"channel":1,"num_words":13,"start":1531.895,"end":1535.815},{"sentences":[{"text":"Yeah.","start":1535.75,"end":1536.25,"sentiment":"neutral","sentiment_score":0.07900640368461609}],"sentiment":"neutral","sentiment_score":0.07900640368461609,"channel":0,"num_words":1,"start":1535.75,"end":1536.25},{"sentences":[{"text":"anyway, so","start":1535.815,"end":1536.715,"sentiment":"neutral","sentiment_score":0.0958210937678814}],"sentiment":"neutral","sentiment_score":0.0958210937678814,"channel":1,"num_words":2,"start":1535.815,"end":1536.715},{"sentences":[{"text":"Yep.","start":1536.63,"end":1537.11,"sentiment":"neutral","sentiment_score":0.10896637290716173},{"text":"Yep.","start":1537.11,"end":1537.61,"sentiment":"neutral","sentiment_score":0.154984250664711}],"sentiment":"neutral","sentiment_score":0.13197531178593636,"channel":0,"num_words":2,"start":1536.63,"end":1537.61},{"sentences":[{"text":"I'll I'll I'll hold my tongue until then.","start":1537.6549,"end":1539.835,"sentiment":"neutral","sentiment_score":0.12430970184504986}],"sentiment":"neutral","sentiment_score":0.12430970184504986,"channel":1,"num_words":8,"start":1537.6549,"end":1539.835},{"sentences":[{"text":"Okay.","start":1540.15,"end":1540.55,"sentiment":"neutral","sentiment_score":0.15833382308483124},{"text":"Not a 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like, have a bit of a higher risk reward ratio?","start":1558.02,"end":1567.24,"sentiment":"neutral","sentiment_score":0.007160829173194038}],"sentiment":"neutral","sentiment_score":0.007160829173194038,"channel":0,"num_words":36,"start":1558.02,"end":1567.24},{"sentences":[{"text":"I would say yes.","start":1570.175,"end":1571.375,"sentiment":"neutral","sentiment_score":0.18656600266695023},{"text":"Because looking at the way my how much is in my super and the fact that I only started contributing to once I was I think in later in my 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approach?","start":1612.08,"end":1613.6799,"sentiment":"neutral","sentiment_score":-0.03262506425380707},{"text":"Or Is","start":1613.6799,"end":1618.115,"sentiment":"neutral","sentiment_score":-0.05879996716976166}],"sentiment":"neutral","sentiment_score":-0.03844170934624142,"channel":0,"num_words":9,"start":1612.08,"end":1618.115},{"sentences":[{"text":"I'm happy with the approach we have or slightly riskier approach.","start":1617.665,"end":1621.365,"sentiment":"neutral","sentiment_score":0.032856219871477646}],"sentiment":"neutral","sentiment_score":0.032856219871477646,"channel":1,"num_words":11,"start":1617.665,"end":1621.365},{"sentences":[{"text":"okay.","start":1621.855,"end":1622.355,"sentiment":"neutral","sentiment_score":0.2306605577468872},{"text":"Not a 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term?","start":1632.2999,"end":1655.94,"sentiment":"neutral","sentiment_score":-0.11915659662889372}],"sentiment":"neutral","sentiment_score":-0.005295813477931232,"channel":0,"num_words":137,"start":1621.855,"end":1655.94},{"sentences":[{"text":"Considering a Supra is designed for something that I won't be able to access till I'm 60, which is another twenty years for me.","start":1656.78,"end":1665.385,"sentiment":"neutral","sentiment_score":-0.06708868344624837}],"sentiment":"neutral","sentiment_score":-0.06708868344624837,"channel":1,"num_words":24,"start":1656.78,"end":1665.385},{"sentences":[{"text":"Yep.","start":1665.62,"end":1666.12,"sentiment":"neutral","sentiment_score":0.21858498454093933}],"sentiment":"neutral","sentiment_score":0.21858498454093933,"channel":0,"num_words":1,"start":1665.62,"end":1666.12},{"sentences":[{"text":"I'm more geared towards the long term growth of it so that when I get to that point that there is a greater chance of it to be 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your","start":1692.545,"end":1695.105,"sentiment":"neutral","sentiment_score":0.03627553954720497}],"sentiment":"neutral","sentiment_score":0.03627553954720497,"channel":1,"num_words":6,"start":1692.545,"end":1695.105},{"sentences":[{"text":"Yep.","start":1694.9801,"end":1695.315,"sentiment":"neutral","sentiment_score":0.09969615191221236}],"sentiment":"neutral","sentiment_score":0.09969615191221236,"channel":0,"num_words":1,"start":1694.9801,"end":1695.315},{"sentences":[{"text":"work in managing it because we've seen some ups and we've seen some downs.","start":1695.105,"end":1700.645,"sentiment":"neutral","sentiment_score":-0.05067520109670503},{"text":"And I think overall, NetWise, it's up across the I don't know.","start":1701.5,"end":1707.42,"sentiment":"neutral","sentiment_score":-0.046832490557183824},{"text":"The 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been with you guys.","start":1709.1001,"end":1710.24,"sentiment":"neutral","sentiment_score":0.05490258298814297}],"sentiment":"neutral","sentiment_score":0.05490258298814297,"channel":1,"num_words":5,"start":1709.1001,"end":1710.24},{"sentences":[{"text":"yeah, it is up since, like, your inception of being onboard.","start":1710.0499,"end":1713.35,"sentiment":"neutral","sentiment_score":0.12719046189026398},{"text":"Obviously, the last sort of year sort of wiped a bit of that off in terms of, like, a dollar figure.","start":1713.73,"end":1718.2899,"sentiment":"neutral","sentiment_score":-0.1957628113173303},{"text":"I'll cover the performance after this last question here.","start":1718.2899,"end":1720.37,"sentiment":"neutral","sentiment_score":-0.0019248562554518382},{"text":"But then in regards to borrowed money there, would you like you said, you'd borrow for investment property.","start":1720.37,"end":1725.105,"sentiment":"neutral","sentiment_score":-0.042808027731047735},{"text":"Would you ever borrowed for, like, a share portfolio in the future if sort of circumstances were a little bit different or if you did have, like, the available funds?","start":1725.105,"end":1732.165,"sentiment":"neutral","sentiment_score":-0.07218206785619259}],"sentiment":"neutral","sentiment_score":-0.06365454155072738,"channel":0,"num_words":89,"start":1710.0499,"end":1732.165},{"sentences":[{"text":"I'm not confident in my ability to man to select the","start":1736.0901,"end":1745.105,"sentiment":"negative","sentiment_score":-0.4970183887264945}],"sentiment":"negative","sentiment_score":-0.4970183887264945,"channel":1,"num_words":11,"start":1736.0901,"end":1745.105},{"sentences":[{"text":"Yep.","start":1744.9601,"end":1745.4401,"sentiment":"neutral","sentiment_score":-0.3199707865715027}],"sentiment":"neutral","sentiment_score":-0.3199707865715027,"channel":0,"num_words":1,"start":1744.9601,"end":1745.4401},{"sentences":[{"text":"correct","start":1745.105,"end":1745.585,"sentiment":"neutral","sentiment_score":-0.1839107722043991}],"sentiment":"neutral","sentiment_score":-0.1839107722043991,"channel":1,"num_words":1,"start":1745.105,"end":1745.585},{"sentences":[{"text":"No.","start":1745.4401,"end":1745.9401,"sentiment":"neutral","sentiment_score":-0.28109055757522583}],"sentiment":"neutral","sentiment_score":-0.28109055757522583,"channel":0,"num_words":1,"start":1745.4401,"end":1745.9401},{"sentences":[{"text":"shares.","start":1745.585,"end":1746.085,"sentiment":"neutral","sentiment_score":-0.11057060211896896},{"text":"And I don't have the mental well, the mental drive because I just don't find shares, and that's an interesting topic to go and do the background research necessary to to actually do investments.","start":1746.145,"end":1763.28,"sentiment":"neutral","sentiment_score":-0.1782673369435703}],"sentiment":"neutral","sentiment_score":-0.17633314452001025,"channel":1,"num_words":35,"start":1745.585,"end":1763.28},{"sentences":[{"text":"And be sort of confident in your investments.","start":1764.21,"end":1766.21,"sentiment":"neutral","sentiment_score":0.26081258803606033},{"text":"That's fine.","start":1766.21,"end":1766.95,"sentiment":"positive","sentiment_score":0.4955348074436188}],"sentiment":"neutral","sentiment_score":0.30775703191757203,"channel":0,"num_words":10,"start":1764.21,"end":1766.95},{"sentences":[{"text":"Yes.","start":1767.1001,"end":1767.6001,"sentiment":"positive","sentiment_score":0.6387187242507935}],"sentiment":"positive","sentiment_score":0.6387187242507935,"channel":1,"num_words":1,"start":1767.1001,"end":1767.6001},{"sentences":[{"text":"That still does bring you out to a high growth investment investor there.","start":1767.89,"end":1771.965,"sentiment":"positive","sentiment_score":0.6612764872037448},{"text":"So it's around that ninety ten split of around 90¢ growth assets and about 10% more to defensive assets.","start":1771.965,"end":1777.665,"sentiment":"positive","sentiment_score":0.3785111324654685},{"text":"Now that is currently what you are in within your Netwealth account, and I will send you out this as well.","start":1777.885,"end":1784.605,"sentiment":"neutral","sentiment_score":0.29275864078885033},{"text":"So bear with me.","start":1784.605,"end":1785.965,"sentiment":"neutral","sentiment_score":0.2867932543158531},{"text":"It'll just have all your documents for you and your review here.","start":1785.965,"end":1790.93,"sentiment":"neutral","sentiment_score":0.3059587391714255}],"sentiment":"positive","sentiment_score":0.38788829502813954,"channel":0,"num_words":69,"start":1767.89,"end":1790.93},{"sentences":[{"text":"And it'll just be going to that craig.cameron85@gmail.com, and then you'll have that to be able to have a look at it.","start":1792.8301,"end":1799.925,"sentiment":"neutral","sentiment_score":0.24542704224586487},{"text":"So that should be with you there shortly.","start":1802.005,"end":1803.6051,"sentiment":"neutral","sentiment_score":0.29243018478155136},{"text":"Now as I said, it has been a bit of a a rough year in terms of, like, the performance that did occur within your portfolio, and that's not just the war.","start":1803.6051,"end":1811.785,"sentiment":"neutral","sentiment_score":-0.023798936199455056},{"text":"So once you get that form up in front of you there, it will show you individual underlying investments.","start":1811.8451,"end":1817.0499,"sentiment":"neutral","sentiment_score":0.1906634459370061},{"text":"Now as a result of, obviously, the war in Iran, it has had a bit of an impact on Super overall, not just yourself, but everyone.","start":1818.07,"end":1825.21,"sentiment":"neutral","sentiment_score":-0.07800616753789094}],"sentiment":"neutral","sentiment_score":0.08010949127193297,"channel":0,"num_words":107,"start":1792.8301,"end":1825.21},{"sentences":[{"text":"Now back, obviously, five to six years ago when you originally came on board, I can't sort of pertain to, like, the conversations you did have, but you did have a larger portion into an actively managed fund.","start":1825.51,"end":1837.515,"sentiment":"neutral","sentiment_score":-0.01340462767372006},{"text":"I don't know if you remember sort of back that far in the discussions you have with the adviser there in regards to 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yeah.","start":1846.8,"end":1848.08,"sentiment":"neutral","sentiment_score":0.025755451526492834},{"text":"Okay.","start":1848.08,"end":1848.58,"sentiment":"neutral","sentiment_score":0.09606505185365675},{"text":"Bennelong was like an actively managed Australian equities.","start":1849.2,"end":1852.18,"sentiment":"neutral","sentiment_score":0.17335599102079868},{"text":"And then previously, you know, after the flight was tracking really quite well.","start":1852.64,"end":1856.355,"sentiment":"neutral","sentiment_score":0.1351066867892559},{"text":"Unfortunately, at the end of last year, they did have an underlying investment that was done for not reporting correctly, which caused them to take it down with Skid in terms having to reevaluate that, not only that stock, but people sort of, you know, reevaluating Bennelong and sort of how they wanna be in Bennelong or 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which is sort of more than enough to cover your current debts, some income replacement after the fact.","start":2026.4349,"end":2037.59,"sentiment":"neutral","sentiment_score":0.14011792259083855},{"text":"Maybe not as much income replacement given that you're on such a high income, but definitely more than just covering debts.","start":2037.59,"end":2043.69,"sentiment":"neutral","sentiment_score":0.07334561149279277}],"sentiment":"neutral","sentiment_score":0.18306897286205523,"channel":0,"num_words":124,"start":2005.0499,"end":2043.69},{"sentences":[{"text":"And then in regards to your income replacement, now, generally, you can cover for up to 70% of your current income.","start":2044.3099,"end":2053.835,"sentiment":"neutral","sentiment_score":0.1518915756827309},{"text":"Now with your pay increase since you had the policy there, you're only covered for a monthly benefit around 7,000, where 70% of your current income is sitting around the 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you'd","start":2089.44,"end":2090.0999,"sentiment":"neutral","sentiment_score":-0.031506930477917194}],"sentiment":"neutral","sentiment_score":-0.031506930477917194,"channel":0,"num_words":2,"start":2089.44,"end":2090.0999},{"sentences":[{"text":"sorry.","start":2089.655,"end":2089.975,"sentiment":"neutral","sentiment_score":-0.06829722225666046},{"text":"Sorry.","start":2089.975,"end":2090.475,"sentiment":"neutral","sentiment_score":-0.0615781806409359},{"text":"What I meant by that is so currently, after taxes, I mean, per month, I clear about maybe 11,000.","start":2091.335,"end":2103.1301,"sentiment":"neutral","sentiment_score":-0.044463198926103745}],"sentiment":"neutral","sentiment_score":-0.046413151547312737,"channel":1,"num_words":21,"start":2089.655,"end":2103.1301},{"sentences":[{"text":"This is pretax dollars.","start":2104.2551,"end":2105.855,"sentiment":"neutral","sentiment_score":-0.05334259010851383},{"text":"Sorry.","start":2105.855,"end":2106.355,"sentiment":"neutral","sentiment_score":-0.061607785522937775},{"text":"So obviously,","start":2106.5752,"end":2107.235,"sentiment":"neutral","sentiment_score":-0.030270878225564957}],"sentiment":"neutral","sentiment_score":-0.04793141462973186,"channel":0,"num_words":7,"start":2104.2551,"end":2107.235},{"sentences":[{"text":"Okay.","start":2106.79,"end":2107.19,"sentiment":"neutral","sentiment_score":0.0027157049626111984},{"text":"That that's that's","start":2107.19,"end":2107.83,"sentiment":"neutral","sentiment_score":-0.0013806750454629462}],"sentiment":"neutral","sentiment_score":-0.00035658004344440997,"channel":1,"num_words":4,"start":2106.79,"end":2107.83},{"sentences":[{"text":"we've","start":2107.615,"end":2107.935,"sentiment":"neutral","sentiment_score":-0.0020272783003747463}],"sentiment":"neutral","sentiment_score":-0.0020272783003747463,"channel":0,"num_words":1,"start":2107.615,"end":2107.935},{"sentences":[{"text":"why I was clarifying.","start":2107.83,"end":2108.73,"sentiment":"neutral","sentiment_score":-0.011365664657205343},{"text":"You're referring","start":2108.95,"end":2109.51,"sentiment":"neutral","sentiment_score":-0.008832313818857074}],"sentiment":"neutral","sentiment_score":-0.01052121437775592,"channel":1,"num_words":6,"start":2107.83,"end":2109.51},{"sentences":[{"text":"yes,","start":2109.215,"end":2109.5352,"sentiment":"neutral","sentiment_score":0.01561686024069786}],"sentiment":"neutral","sentiment_score":0.01561686024069786,"channel":0,"num_words":1,"start":2109.215,"end":2109.5352},{"sentences":[{"text":"to","start":2109.51,"end":2109.75,"sentiment":"neutral","sentiment_score":-0.025997690856456757}],"sentiment":"neutral","sentiment_score":-0.025997690856456757,"channel":1,"num_words":1,"start":2109.51,"end":2109.75},{"sentences":[{"text":"sir.","start":2109.5352,"end":2110.0352,"sentiment":"neutral","sentiment_score":-0.008007070049643517}],"sentiment":"neutral","sentiment_score":-0.008007070049643517,"channel":0,"num_words":1,"start":2109.5352,"end":2110.0352},{"sentences":[{"text":"pretax 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that.","start":2111.615,"end":2116.4202,"sentiment":"neutral","sentiment_score":-0.025577656226232648},{"text":"You don't just get that as, like, a tax free payment.","start":2116.4202,"end":2118.6802,"sentiment":"neutral","sentiment_score":-0.0973011322996833},{"text":"Yeah.","start":2119.3,"end":2119.54,"sentiment":"neutral","sentiment_score":0.044014181941747665}],"sentiment":"neutral","sentiment_score":-0.05126931332051754,"channel":0,"num_words":28,"start":2111.615,"end":2119.54},{"sentences":[{"text":"Yep.","start":2119.475,"end":2119.975,"sentiment":"neutral","sentiment_score":0.070269376039505}],"sentiment":"neutral","sentiment_score":0.070269376039505,"channel":1,"num_words":1,"start":2119.475,"end":2119.975},{"sentences":[{"text":"So the numbers are, yeah, pretax.","start":2119.54,"end":2121.24,"sentiment":"neutral","sentiment_score":0.0012570249382406473},{"text":"So in saying that, like, income protection is the more costly insurance, But with that as well, because the age of your policy, it has obviously crept up a bit in terms of, like, the price you do pay with the loading as well.","start":2122.82,"end":2136.575,"sentiment":"neutral","sentiment_score":-0.16828826975754715},{"text":"Given it's a 2020 policy, some of the income protection policies back then are a little bit more comprehensive than newer ones.","start":2137.355,"end":2143.89,"sentiment":"neutral","sentiment_score":-0.06691892868415876},{"text":"But sometimes the features lost in gain can be sort of worth rewriting.","start":2144.8499,"end":2148.8699,"sentiment":"neutral","sentiment_score":-0.286166067306812},{"text":"To have a look at insurances and rewriting insurances, then we would have to do, like, a pre assessment to be able to assess your current sort of health, everything, you know, the preexisting conditions and sort of family and a bit more about your occupation to be able to do that.","start":2149.5698,"end":2163.025,"sentiment":"neutral","sentiment_score":0.033637131206118144}],"sentiment":"neutral","sentiment_score":-0.07912690659141998,"channel":0,"num_words":137,"start":2119.54,"end":2163.025},{"sentences":[{"text":"Is that something you wanna undertake at the moment, or are you happy with the cover that you hold currently and it would satisfy your needs if anything did happen?","start":2163.025,"end":2169.84,"sentiment":"neutral","sentiment_score":0.06480620714525381}],"sentiment":"neutral","sentiment_score":0.06480620714525381,"channel":0,"num_words":30,"start":2163.025,"end":2169.84},{"sentences":[{"text":"I think if something were to happen at the moment, it would be a bit tight, but I believe I think we could still make it work.","start":2171.555,"end":2179.415,"sentiment":"neutral","sentiment_score":-0.00960450840217096}],"sentiment":"neutral","sentiment_score":-0.00960450840217096,"channel":1,"num_words":27,"start":2171.555,"end":2179.415},{"sentences":[{"text":"Yep.","start":2180.4001,"end":2180.9001,"sentiment":"neutral","sentiment_score":0.19819554686546328},{"text":"So would you be happy retaining what the current cover you have, or is that something you want to do that sort of pre assessment process with us and revisit that as well at this time?","start":2182.045,"end":2190.465,"sentiment":"neutral","sentiment_score":0.18477916903793812}],"sentiment":"neutral","sentiment_score":0.18514177384408745,"channel":0,"num_words":37,"start":2180.4001,"end":2190.465},{"sentences":[{"text":"I I think at this time so I looked at the other 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year.","start":2208.105,"end":2214.2852,"sentiment":"negative","sentiment_score":-0.3370745126847868},{"text":"So,","start":2214.905,"end":2215.3052,"sentiment":"neutral","sentiment_score":0.006468515843153}],"sentiment":"neutral","sentiment_score":-0.28893037398858945,"channel":0,"num_words":49,"start":2202.46,"end":2215.3052},{"sentences":[{"text":"Yep.","start":2214.99,"end":2215.49,"sentiment":"neutral","sentiment_score":0.06627188622951508}],"sentiment":"neutral","sentiment_score":0.06627188622951508,"channel":1,"num_words":1,"start":2214.99,"end":2215.49},{"sentences":[{"text":"generally, around a bit after the five year mark anyway or three to five years depending on what the policy is doing, you do potentially look at rerunning it.","start":2215.3052,"end":2222.01,"sentiment":"neutral","sentiment_score":0.024278682239096742},{"text":"As I said, given that your IP policy is a little bit older, it might have some benefits you might be foregoing with an 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sort of listed on this policy as a loading, it's likely to just be one on the the new one anyway, so that doesn't make much of a difference in regards to that.","start":2242.0251,"end":2252.7,"sentiment":"neutral","sentiment_score":-0.0006761389318853617},{"text":"Happy","start":2253.88,"end":2254.2,"sentiment":"positive","sentiment_score":0.35910463333129883}],"sentiment":"neutral","sentiment_score":0.03925028780772202,"channel":0,"num_words":69,"start":2235.065,"end":2254.2},{"sentences":[{"text":"Yeah.","start":2254.195,"end":2254.695,"sentiment":"neutral","sentiment_score":0.3097127079963684}],"sentiment":"neutral","sentiment_score":0.3097127079963684,"channel":1,"num_words":1,"start":2254.195,"end":2254.695},{"sentences":[{"text":"to move a note here just revisit it next year.","start":2254.2,"end":2256.815,"sentiment":"neutral","sentiment_score":0.17992754578590392},{"text":"The only other insurance that you don't have currently and you should be aware of is trauma cover.","start":2256.815,"end":2261.2148,"sentiment":"neutral","sentiment_score":-0.04002533356348673},{"text":"Now trauma cover is like an out of pocket lump sum cover similar to, like, how TPD works, but it has to be paid out of pocket.","start":2261.2148,"end":2268.095,"sentiment":"neutral","sentiment_score":-0.004796726284203706},{"text":"And the one thing it sort of does is it covers for traumatic events like heart attacks, strokes, those sort of traumatic injuries where you may not be totally permanently disabled.","start":2268.095,"end":2276.79,"sentiment":"neutral","sentiment_score":-0.02962445580370484},{"text":"You may not be off work for, like, your thirty days for an income protection policy.","start":2276.79,"end":2280.71,"sentiment":"neutral","sentiment_score":-0.07910683890804648}],"sentiment":"neutral","sentiment_score":-0.0121054873372629,"channel":0,"num_words":102,"start":2254.2,"end":2280.71},{"sentences":[{"text":"But if you get, like, a a cancer diagnosis, things 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and","start":2310.235,"end":2322.47,"sentiment":"neutral","sentiment_score":0.12746637493371962}],"sentiment":"neutral","sentiment_score":0.12746637493371962,"channel":1,"num_words":25,"start":2310.235,"end":2322.47},{"sentences":[{"text":"Yep.","start":2322.2852,"end":2322.7852,"sentiment":"neutral","sentiment_score":0.14111006259918213}],"sentiment":"neutral","sentiment_score":0.14111006259918213,"channel":0,"num_words":1,"start":2322.2852,"end":2322.7852},{"sentences":[{"text":"income protection, then it'd probably be something we can discuss at that stage.","start":2322.47,"end":2327.21,"sentiment":"neutral","sentiment_score":0.08114929611866291}],"sentiment":"neutral","sentiment_score":0.08114929611866291,"channel":1,"num_words":13,"start":2322.47,"end":2327.21},{"sentences":[{"text":"Yeah.","start":2327.9,"end":2328.3,"sentiment":"neutral","sentiment_score":0.27404820919036865},{"text":"And, look, we're always more than happy to just give you the general pricing and put in the recommendation.","start":2328.3,"end":2332.88,"sentiment":"positive","sentiment_score":0.46870305349952296},{"text":"The worst thing you do is say, no.","start":2333.02,"end":2334.38,"sentiment":"negative","sentiment_score":-0.34628221206367016},{"text":"You don't want it at the end of the day as well.","start":2334.38,"end":2336.56,"sentiment":"negative","sentiment_score":-0.4118766536315282},{"text":"So I'll make a note of that, put it here.","start":2337.385,"end":2338.985,"sentiment":"neutral","sentiment_score":0.22823634520173072}],"sentiment":"neutral","sentiment_score":0.07497984275221825,"channel":0,"num_words":50,"start":2327.9,"end":2338.985},{"sentences":[{"text":"You just wanna review all parts of cover next year and just reassess based on your your needs.","start":2338.985,"end":2343.245,"sentiment":"neutral","sentiment_score":0.226825507150756},{"text":"By then as well, you might be thinking about investment properties, things like that, and due debt might change slightly depending on how you structure your loan, which is something you probably should be looking at your insurance cover anyway at those stages.","start":2343.705,"end":2354.48,"sentiment":"neutral","sentiment_score":0.049345608280841696},{"text":"That and just the","start":2355.18,"end":2355.9,"sentiment":"neutral","sentiment_score":0.11325808055698872}],"sentiment":"neutral","sentiment_score":0.10242696318488854,"channel":0,"num_words":65,"start":2338.985,"end":2355.9},{"sentences":[{"text":"Yep.","start":2355.8801,"end":2356.3801,"sentiment":"neutral","sentiment_score":0.14629331231117249}],"sentiment":"neutral","sentiment_score":0.14629331231117249,"channel":1,"num_words":1,"start":2355.8801,"end":2356.3801},{"sentences":[{"text":"income increase there as well.","start":2355.9,"end":2357.5999,"sentiment":"neutral","sentiment_score":0.1363980293273926},{"text":"There is the option to look at sort of life increases as well, but given that your income's jumped up so significantly, it can only do up to a max 15% of your your current amount, which wouldn't really do much in terms of, like, reaching what you're currently at as opposed to rewriting the cover.","start":2358.14,"end":2373.9348,"sentiment":"neutral","sentiment_score":-0.06687979679554701}],"sentiment":"neutral","sentiment_score":-0.05021767990022409,"channel":0,"num_words":61,"start":2355.9,"end":2373.9348},{"sentences":[{"text":"Yep.","start":2374.895,"end":2375.395,"sentiment":"neutral","sentiment_score":0.04929333925247192}],"sentiment":"neutral","sentiment_score":0.04929333925247192,"channel":1,"num_words":1,"start":2374.895,"end":2375.395},{"sentences":[{"text":"Yeah.","start":2376.155,"end":2376.4749,"sentiment":"neutral","sentiment_score":-0.09205040335655212},{"text":"Worst comes to worst, if anything did come out of it, we can just look doing some form of top ups and things like that as well.","start":2376.4749,"end":2381.55,"sentiment":"neutral","sentiment_score":-0.2848170570753239},{"text":"But as far as because did you get the forms come through in that email there, Craig?","start":2382.89,"end":2387.55,"sentiment":"neutral","sentiment_score":0.009631693253622335}],"sentiment":"neutral","sentiment_score":-0.16929715909063817,"channel":0,"num_words":45,"start":2376.155,"end":2387.55},{"sentences":[{"text":"Yes.","start":2388.44,"end":2388.76,"sentiment":"neutral","sentiment_score":0.05953101068735123},{"text":"But at the moment, I'm on a phone, so I can't really do too much.","start":2388.76,"end":2392.095,"sentiment":"neutral","sentiment_score":-0.1021062766512235}],"sentiment":"neutral","sentiment_score":-0.09200394619256258,"channel":1,"num_words":16,"start":2388.44,"end":2392.095},{"sentences":[{"text":"That's perfectly fine.","start":2392.535,"end":2393.575,"sentiment":"positive","sentiment_score":0.37007778882980347},{"text":"I'll just run through the forms that are there for you, and I'll shoot you an email with that that budget planner, I 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to","start":2404.615,"end":2413.1,"sentiment":"positive","sentiment_score":0.3431953229010105}],"sentiment":"positive","sentiment_score":0.3431953229010105,"channel":0,"num_words":36,"start":2404.615,"end":2413.1},{"sentences":[{"text":"Yep.","start":2413.03,"end":2413.53,"sentiment":"positive","sentiment_score":0.5518522262573242}],"sentiment":"positive","sentiment_score":0.5518522262573242,"channel":1,"num_words":1,"start":2413.03,"end":2413.53},{"sentences":[{"text":"have the service for the next twelve months.","start":2413.1,"end":2414.9402,"sentiment":"neutral","sentiment_score":0.31591307662893087},{"text":"The next one after that would be tax file opt in form, just where we store your tax file number.","start":2414.9402,"end":2419.4202,"sentiment":"neutral","sentiment_score":0.06672951485961676},{"text":"It's just been changed for, you know, compliance purposes.","start":2419.4202,"end":2422.115,"sentiment":"neutral","sentiment_score":0.08658709956540002},{"text":"They've just updated the form.","start":2422.115,"end":2423.315,"sentiment":"neutral","sentiment_score":0.13584968596696853},{"text":"So that's where we store your tax file number and has been updated that needs to be signed.","start":2423.315,"end":2426.695,"sentiment":"neutral","sentiment_score":0.1862256998817126}],"sentiment":"neutral","sentiment_score":0.1445414972336342,"channel":0,"num_words":60,"start":2413.1,"end":2426.695},{"sentences":[{"text":"So you're still happy for that.","start":2426.9949,"end":2428.355,"sentiment":"positive","sentiment_score":0.7634374996026357},{"text":"And then with the attachments, you have a Vanguard index chart, show you sort of the ups and downs in the market.","start":2428.355,"end":2433.415,"sentiment":"neutral","sentiment_score":0.2441741864789616},{"text":"Then it is a 2025 copy there, so, unfortunately, you won't get the the war on that on the end of that, but you'll be able to see, you know, COVID dip.","start":2433.66,"end":2441.26,"sentiment":"neutral","sentiment_score":-0.02355553046800196},{"text":"You'll be able to see out recovered from that.","start":2441.26,"end":2442.6199,"sentiment":"neutral","sentiment_score":0.13948982374535668},{"text":"You'll be able to see the tariff talk within regards to Trump and everything as well and how the markets have sort of fed since that to just sort of give you a highlight of how markets do behave over time.","start":2442.6199,"end":2452.935,"sentiment":"neutral","sentiment_score":0.24722041698490702}],"sentiment":"neutral","sentiment_score":0.18718296032060278,"channel":0,"num_words":110,"start":2426.9949,"end":2452.935},{"sentences":[{"text":"You do have that twelve month performance, as I said, not too fantastic.","start":2453.395,"end":2456.535,"sentiment":"neutral","sentiment_score":0.0699429655304322},{"text":"It's only the two funds that caused that, though, and it's mainly due to your high waiting in that managed fund,","start":2456.595,"end":2462.695,"sentiment":"neutral","sentiment_score":-0.13828522179807937}],"sentiment":"neutral","sentiment_score":-0.058668561937177885,"channel":0,"num_words":34,"start":2453.395,"end":2462.695},{"sentences":[{"text":"Yep.","start":2463.69,"end":2464.19,"sentiment":"neutral","sentiment_score":-0.0308175515383482}],"sentiment":"neutral","sentiment_score":-0.0308175515383482,"channel":1,"num_words":1,"start":2463.69,"end":2464.19},{"sentences":[{"text":"which we'll look to sort of adjust there moving forward.","start":2464.09,"end":2466.75,"sentiment":"neutral","sentiment_score":-0.010474933311343193},{"text":"You'll have a COC for the NEOS policy as well.","start":2466.81,"end":2469.05,"sentiment":"neutral","sentiment_score":0.09700383916497231},{"text":"We have a little summary of your super insurance, and then you'll have the utmost up to date financial service and OQ services guide if you did wanna review that with the business changes and everything.","start":2469.05,"end":2478.25,"sentiment":"neutral","sentiment_score":0.2358557213511732},{"text":"And are you currently receiving the the email updates there as well with everything that has been changing,","start":2478.25,"end":2483.925,"sentiment":"neutral","sentiment_score":0.08614598462978999}],"sentiment":"neutral","sentiment_score":0.1473881452772263,"channel":0,"num_words":74,"start":2464.09,"end":2483.925},{"sentences":[{"text":"Email","start":2484.7898,"end":2485.2898,"sentiment":"neutral","sentiment_score":0.044894952327013016}],"sentiment":"neutral","sentiment_score":0.044894952327013016,"channel":1,"num_words":1,"start":2484.7898,"end":2485.2898},{"sentences":[{"text":"Craig?","start":2484.865,"end":2485.2651,"sentiment":"neutral","sentiment_score":0.039387673139572144},{"text":"Are you part of","start":2485.2651,"end":2485.985,"sentiment":"neutral","sentiment_score":0.01945245172828436}],"sentiment":"neutral","sentiment_score":0.023439496010541915,"channel":0,"num_words":5,"start":2484.865,"end":2485.985},{"sentences":[{"text":"updates?","start":2485.91,"end":2486.41,"sentiment":"neutral","sentiment_score":0.0398050881922245}],"sentiment":"neutral","sentiment_score":0.0398050881922245,"channel":1,"num_words":1,"start":2485.91,"end":2486.41},{"sentences":[{"text":"the each month, they send out a bit of an a newsletter from Oakview.","start":2485.985,"end":2490.5652,"sentiment":"neutral","sentiment_score":0.02823416522837111}],"sentiment":"neutral","sentiment_score":0.02823416522837111,"channel":0,"num_words":14,"start":2485.985,"end":2490.5652},{"sentences":[{"text":"Yes.","start":2502.975,"end":2503.215,"sentiment":"neutral","sentiment_score":-0.08318549394607544},{"text":"It appears I am being spammed.","start":2503.215,"end":2506.2751,"sentiment":"negative","sentiment_score":-0.3516138593355815}],"sentiment":"neutral","sentiment_score":-0.31326694999422344,"channel":1,"num_words":7,"start":2502.975,"end":2506.2751},{"sentences":[{"text":"Yes.","start":2508.895,"end":2509.215,"sentiment":"neutral","sentiment_score":-0.09470415860414504},{"text":"So each month, you do get just an email update on sort of business changes, things that are changing there as well just to be able to review that and make sure that if anything is occurring, you're sort of aware of it that is changing with the business because as I said, there has been a few quite a few changes there for you.","start":2509.215,"end":2526.03,"sentiment":"neutral","sentiment_score":0.021849440955198727},{"text":"In regards to that as well, I just wanna double check your partner.","start":2528.265,"end":2532.265,"sentiment":"neutral","sentiment_score":-0.00349424177637467},{"text":"She's not a client with us at the moment, is she there,","start":2532.265,"end":2534.9849,"sentiment":"neutral","sentiment_score":-0.069365285957853}],"sentiment":"neutral","sentiment_score":0.004919790427435886,"channel":0,"num_words":91,"start":2508.895,"end":2534.9849},{"sentences":[{"text":"No.","start":2534.975,"end":2535.2952,"sentiment":"neutral","sentiment_score":-0.08091195672750473}],"sentiment":"neutral","sentiment_score":-0.08091195672750473,"channel":1,"num_words":1,"start":2534.975,"end":2535.2952},{"sentences":[{"text":"Craig?","start":2534.9849,"end":2535.4849,"sentiment":"neutral","sentiment_score":-0.07977600395679474}],"sentiment":"neutral","sentiment_score":-0.07977600395679474,"channel":0,"num_words":1,"start":2534.9849,"end":2535.4849},{"sentences":[{"text":"She's not.","start":2535.2952,"end":2536.115,"sentiment":"neutral","sentiment_score":-0.09697998687624931}],"sentiment":"neutral","sentiment_score":-0.09697998687624931,"channel":1,"num_words":2,"start":2535.2952,"end":2536.115},{"sentences":[{"text":"Yeah.","start":2536.905,"end":2537.145,"sentiment":"neutral","sentiment_score":0.010403387248516084},{"text":"Okay.","start":2537.145,"end":2537.545,"sentiment":"neutral","sentiment_score":0.0915776789188385},{"text":"That's that's fine.","start":2537.545,"end":2538.665,"sentiment":"neutral","sentiment_score":0.29850931962331134},{"text":"I'll just ask because they do currently have a coupling fee going on, and with the change in CRMs that we're using, it's some of the linkings and stuff didn't come across.","start":2538.665,"end":2547.26,"sentiment":"neutral","sentiment_score":0.04587881802581251},{"text":"So if your partner is on board, it does drop the fees down to 1.1% at the moment, which is fantastic.","start":2547.26,"end":2553.5,"sentiment":"positive","sentiment_score":0.5246932109196981}],"sentiment":"neutral","sentiment_score":0.23248601088236118,"channel":0,"num_words":58,"start":2536.905,"end":2553.5},{"sentences":[{"text":"If she's happy doing her own thing, that's more than fine.","start":2553.5,"end":2555.74,"sentiment":"positive","sentiment_score":0.548203086311167},{"text":"But, also, if you do refer people on, they do have the referral program still running.","start":2555.74,"end":2562.565,"sentiment":"neutral","sentiment_score":0.3330049719661474},{"text":"So if you're talking to colleagues, friends, family, things like that, and do refer Oakview as a, you know, trusted partner there that you're happy to refer us onto if they did come on board through your referral.","start":2562.565,"end":2571.685,"sentiment":"positive","sentiment_score":0.4460502580592507},{"text":"You get a $100 gift card at the moment.","start":2571.685,"end":2573.91,"sentiment":"positive","sentiment_score":0.46946796774864197},{"text":"So if you are putting the name out there and having conversations with people, make sure they say you're you're the one that sent them.","start":2573.91,"end":2579.75,"sentiment":"neutral","sentiment_score":0.3327525234222412}],"sentiment":"positive","sentiment_score":0.4126489707315811,"channel":0,"num_words":99,"start":2553.5,"end":2579.75},{"sentences":[{"text":"Just you might get a bit of free money out of it.","start":2579.75,"end":2581.93,"sentiment":"positive","sentiment_score":0.3590855821967125}],"sentiment":"positive","sentiment_score":0.3590855821967125,"channel":0,"num_words":12,"start":2579.75,"end":2581.93},{"sentences":[{"text":"Okay.","start":2582.76,"end":2583.26,"sentiment":"neutral","sentiment_score":0.13794377446174622}],"sentiment":"neutral","sentiment_score":0.13794377446174622,"channel":1,"num_words":1,"start":2582.76,"end":2583.26},{"sentences":[{"text":"Not","start":2584.31,"end":2584.63,"sentiment":"neutral","sentiment_score":0.13900715112686157}],"sentiment":"neutral","sentiment_score":0.13900715112686157,"channel":0,"num_words":1,"start":2584.31,"end":2584.63},{"sentences":[{"text":"No.","start":2584.605,"end":2584.685,"sentiment":"neutral","sentiment_score":0.12233467400074004}],"sentiment":"neutral","sentiment_score":0.12233467400074004,"channel":1,"num_words":1,"start":2584.605,"end":2584.685},{"sentences":[{"text":"a","start":2584.63,"end":2584.8699,"sentiment":"neutral","sentiment_score":0.10564178228378296}],"sentiment":"neutral","sentiment_score":0.10564178228378296,"channel":0,"num_words":1,"start":2584.63,"end":2584.8699},{"sentences":[{"text":"Not","start":2584.685,"end":2584.925,"sentiment":"neutral","sentiment_score":0.12863336503505707}],"sentiment":"neutral","sentiment_score":0.12863336503505707,"channel":1,"num_words":1,"start":2584.685,"end":2584.925},{"sentences":[{"text":"problem.","start":2584.8699,"end":2585.3699,"sentiment":"neutral","sentiment_score":0.2074773609638214}],"sentiment":"neutral","sentiment_score":0.2074773609638214,"channel":0,"num_words":1,"start":2584.8699,"end":2585.3699},{"sentences":[{"text":"a problem.","start":2584.925,"end":2585.5051,"sentiment":"neutral","sentiment_score":0.14572157710790634}],"sentiment":"neutral","sentiment_score":0.14572157710790634,"channel":1,"num_words":2,"start":2584.925,"end":2585.5051},{"sentences":[{"text":"Is there anything else that you want to have a chat with me about, Craig, in regards to the superannuation, how that did perform, the you know, anything else that we covered that you wanted to have a bit more conversation about?","start":2586.4448,"end":2596.9448,"sentiment":"neutral","sentiment_score":0.08172774447926454}],"sentiment":"neutral","sentiment_score":0.08172774447926454,"channel":0,"num_words":42,"start":2586.4448,"end":2596.9448},{"sentences":[{"text":"So let's see.","start":2598.64,"end":2599.78,"sentiment":"neutral","sentiment_score":-0.009579434990882874},{"text":"The performance was bad for reasons","start":2600.8801,"end":2603.68,"sentiment":"neutral","sentiment_score":-0.25814855843782425}],"sentiment":"neutral","sentiment_score":-0.17529218395551047,"channel":1,"num_words":9,"start":2598.64,"end":2603.68},{"sentences":[{"text":"Yep.","start":2603.34,"end":2603.84,"sentiment":"neutral","sentiment_score":-0.09654201567173004}],"sentiment":"neutral","sentiment_score":-0.09654201567173004,"channel":0,"num_words":1,"start":2603.34,"end":2603.84},{"sentences":[{"text":"x, y, and z.","start":2603.68,"end":2604.8,"sentiment":"neutral","sentiment_score":-0.028287421679124236},{"text":"I accept.","start":2604.8,"end":2605.54,"sentiment":"neutral","sentiment_score":0.04164729081094265},{"text":"Fair enough.","start":2606.8,"end":2607.54,"sentiment":"neutral","sentiment_score":0.1056130938231945},{"text":"You noted that the ratio of the distribution of the funds within the Netwealth Super has it loaded on a poor performing item that may need to be adjusted, and you will go off and investigate what the best solution would be and are going to provide me a document that states that for me to review and sign.","start":2608.64,"end":2632.48,"sentiment":"neutral","sentiment_score":-0.13814810751858403},{"text":"I","start":2632.5398,"end":2633.0398,"sentiment":"neutral","sentiment_score":0.07720636576414108}],"sentiment":"neutral","sentiment_score":-0.11606118963647853,"channel":1,"num_words":68,"start":2603.68,"end":2633.0398},{"sentences":[{"text":"If you're happy with everything.","start":2633.37,"end":2634.57,"sentiment":"neutral","sentiment_score":0.18683330714702606},{"text":"Correct?","start":2634.57,"end":2634.8901,"sentiment":"neutral","sentiment_score":0.15371713042259216},{"text":"Yep.","start":2634.8901,"end":2635.305,"sentiment":"neutral","sentiment_score":0.04454518482089043}],"sentiment":"neutral","sentiment_score":0.16177555013980185,"channel":0,"num_words":7,"start":2633.37,"end":2635.305},{"sentences":[{"text":"know I didn't say it exactly the way you said it, but","start":2636.8599,"end":2639.5198,"sentiment":"neutral","sentiment_score":-0.04596982275446256}],"sentiment":"neutral","sentiment_score":-0.04596982275446256,"channel":1,"num_words":12,"start":2636.8599,"end":2639.5198},{"sentences":[{"text":"I think","start":2641.145,"end":2641.4648,"sentiment":"neutral","sentiment_score":0.03673508204519749}],"sentiment":"neutral","sentiment_score":0.03673508204519749,"channel":0,"num_words":2,"start":2641.145,"end":2641.4648},{"sentences":[{"text":"yes.","start":2641.295,"end":2641.775,"sentiment":"neutral","sentiment_score":0.04971005767583847}],"sentiment":"neutral","sentiment_score":0.04971005767583847,"channel":1,"num_words":1,"start":2641.295,"end":2641.775},{"sentences":[{"text":"you covered","start":2641.4648,"end":2641.9448,"sentiment":"neutral","sentiment_score":0.008097026497125626}],"sentiment":"neutral","sentiment_score":0.008097026497125626,"channel":0,"num_words":2,"start":2641.4648,"end":2641.9448},{"sentences":[{"text":"You know?","start":2641.775,"end":2642.4348,"sentiment":"neutral","sentiment_score":0.012137394398450851}],"sentiment":"neutral","sentiment_score":0.012137394398450851,"channel":1,"num_words":2,"start":2641.775,"end":2642.4348},{"sentences":[{"text":"it pretty well.","start":2641.9448,"end":2642.665,"sentiment":"neutral","sentiment_score":0.06535319859782855},{"text":"So yeah.","start":2642.665,"end":2643.4849,"sentiment":"neutral","sentiment_score":0.05577458627521992},{"text":"No.","start":2643.625,"end":2643.785,"sentiment":"neutral","sentiment_score":-0.06329426169395447},{"text":"That's fine.","start":2643.785,"end":2644.605,"sentiment":"neutral","sentiment_score":0.004540775902569294}],"sentiment":"neutral","sentiment_score":0.0316745073068887,"channel":0,"num_words":8,"start":2641.9448,"end":2644.605},{"sentences":[{"text":"No.","start":2645.135,"end":2645.375,"sentiment":"neutral","sentiment_score":-0.05839301645755768},{"text":"I understand that some years are gonna be worse than others and noting that Trump is not making it easy for anyone.","start":2645.375,"end":2652.1948,"sentiment":"negative","sentiment_score":-0.3569426692344926},{"text":"And, yeah, that's fine.","start":2654.6548,"end":2657.5798,"sentiment":"neutral","sentiment_score":0.09259331692010164},{"text":"That's expected.","start":2657.5798,"end":2658.4,"sentiment":"neutral","sentiment_score":-0.027935883030295372}],"sentiment":"neutral","sentiment_score":-0.2619527668274682,"channel":1,"num_words":29,"start":2645.135,"end":2658.4},{"sentences":[{"text":"Yeah.","start":2659.815,"end":2660.2148,"sentiment":"neutral","sentiment_score":-0.07120931148529053},{"text":"As I said, it was a bit of a double whammy with that underlying performance of that asset in the fund and then the world events that is occurring.","start":2660.2148,"end":2666.7148,"sentiment":"neutral","sentiment_score":-0.23982896694335445},{"text":"And it was just a bit unfortunate that the one asset that wasn't really performing too fantastic in the portfolio is the one that you're most heavily weighted in there.","start":2666.775,"end":2675.15,"sentiment":"negative","sentiment_score":-0.44269730846087135},{"text":"So we'll look at adjusting that and sort of moving that forward to where if something like that does happen, you don't have such an aggressive sort of weighting towards one","start":2675.45,"end":2685.13,"sentiment":"neutral","sentiment_score":-0.20261417521584418}],"sentiment":"neutral","sentiment_score":-0.29217811031164703,"channel":0,"num_words":91,"start":2659.815,"end":2685.13},{"sentences":[{"text":"Yep.","start":2685.11,"end":2685.61,"sentiment":"neutral","sentiment_score":-0.1096293032169342}],"sentiment":"neutral","sentiment_score":-0.1096293032169342,"channel":1,"num_words":1,"start":2685.11,"end":2685.61},{"sentences":[{"text":"particular thing that is a managed fund that does carry that sort of financial risk.","start":2685.13,"end":2689.15,"sentiment":"neutral","sentiment_score":-0.24085745612780254}],"sentiment":"neutral","sentiment_score":-0.24085745612780254,"channel":0,"num_words":15,"start":2685.13,"end":2689.15},{"sentences":[{"text":"Okay.","start":2689.99,"end":2690.4702,"sentiment":"neutral","sentiment_score":0.13226142525672913},{"text":"That's not a problem.","start":2690.4702,"end":2691.53,"sentiment":"positive","sentiment_score":0.3697044551372528},{"text":"Thank you.","start":2691.59,"end":2692.4102,"sentiment":"positive","sentiment_score":0.6305346488952637}],"sentiment":"positive","sentiment_score":0.41030693479946684,"channel":1,"num_words":7,"start":2689.99,"end":2692.4102},{"sentences":[{"text":"No problem, Craig.","start":2692.205,"end":2693.3452,"sentiment":"neutral","sentiment_score":0.30601051449775696},{"text":"Well, if you don't have anything for me there, I'll let you get back to your morning.","start":2693.5652,"end":2697.0051,"sentiment":"neutral","sentiment_score":0.1289445648298544},{"text":"I'm probably taking up enough time here already.","start":2697.0051,"end":2698.685,"sentiment":"neutral","sentiment_score":0.14899392426013947},{"text":"But if you do have any questions, feel free to respond to that email or give us call with any of those documents once you do have a chance to go through a little look through them.","start":2698.685,"end":2705.6401,"sentiment":"neutral","sentiment_score":0.1585080361849553},{"text":"Obviously, if you're happy to stay on board for another twelve months, that's ongoing service agreement to that and then the expected fee within regards to that for the twelve month period.","start":2706.1,"end":2714.36,"sentiment":"neutral","sentiment_score":0.205362509470433}],"sentiment":"neutral","sentiment_score":0.17256121836679497,"channel":0,"num_words":97,"start":2692.205,"end":2714.36},{"sentences":[{"text":"It is a non locking contract too, so at any point you did feel like you're not getting the most out of the service, you don't feel like you have to be trapped as well, just for a bit of peace of mind.","start":2715.075,"end":2722.275,"sentiment":"neutral","sentiment_score":0.17803845052109207},{"text":"But, otherwise, I'll leave you to those documents that I review on your own time, Craig, and I'm sure we'll be talking soon.","start":2722.275,"end":2727.9749,"sentiment":"neutral","sentiment_score":0.14591310723968173}],"sentiment":"neutral","sentiment_score":0.16684325513514606,"channel":0,"num_words":66,"start":2715.075,"end":2727.9749},{"sentences":[{"text":"No problem.","start":2728.9448,"end":2729.585,"sentiment":"positive","sentiment_score":0.37354348599910736},{"text":"Thank you for that.","start":2729.585,"end":2730.645,"sentiment":"positive","sentiment_score":0.6499967873096466}],"sentiment":"positive","sentiment_score":0.5578456868728002,"channel":1,"num_words":6,"start":2728.9448,"end":2730.645},{"sentences":[{"text":"No problem at all, Craig.","start":2730.95,"end":2731.75,"sentiment":"positive","sentiment_score":0.45631582736968995},{"text":"Thanks for your time.","start":2731.75,"end":2732.39,"sentiment":"positive","sentiment_score":0.6885098963975906},{"text":"Bye now.","start":2732.39,"end":2733.05,"sentiment":"positive","sentiment_score":0.3741495758295059}],"sentiment":"positive","sentiment_score":0.525810715827075,"channel":0,"num_words":11,"start":2730.95,"end":2733.05},{"sentences":[{"text":"Alright.","start":2733.1848,"end":2733.585,"sentiment":"neutral","sentiment_score":0.31832894682884216},{"text":"Cheers.","start":2733.585,"end":2733.9849,"sentiment":"positive","sentiment_score":0.5122201442718506},{"text":"Bye.","start":2733.9849,"end":2734.4849,"sentiment":"neutral","sentiment_score":-0.027733711525797844}],"sentiment":"neutral","sentiment_score":0.267605126524965,"channel":1,"num_words":3,"start":2733.1848,"end":2734.4849}]},"summary":{"result":"success","short":"The speaker from Oakview Financial updates the caller on their financial advisers' details and risk profiles, updating their employment details, income, retirement plans, and retirement savings accounts. They discuss their work experience, income, and retirement savings, as well as their current mortgage rates and home loans. The speaker provides information on risk tolerance and investment strategies, including a risk reward ratio and top-up coverage for life and death. They also discuss the benefits of a life insurance policy and the possibility of adjusting their investment portfolio if needed. The speaker reassures the caller that they will provide a document for him to review and sign, and provides information on the budget planner and other documents."},"intents":{"segments":[{"text":"Thanks for returning my call there. No. Apologies.","start_word":3,"end_word":10,"intents":[{"intent":"Request response","confidence_score":0.0004368427}]},{"text":"So I will spend the first bit there going through updating some of your details there, your risk profile, and then I'll send you out some documents as well to sort of review the past twelve months and how things have traveled as well for you. Yep.","start_word":142,"end_word":188,"intents":[{"intent":"Update information","confidence_score":0.050948426}]},{"text":"And then do you know roughly sort of what your gross income is at the moment? Before tax or after tax?","start_word":746,"end_word":766,"intents":[{"intent":"Inquire about income and savings","confidence_score":0.0001599331}]},{"text":"budget a little bit better. Yeah. I'm not gonna say no to that. Yep. Okay. So no. Okay. So it's it's 6 where's the other two accounts? Yeah. It's sorry. 600 a month we set aside Okay. into to separate accounts, separate to whatever goes into the savings account. Separate. Oh, okay. So what how much is going into the the savings account versus so for Sorry.","start_word":1120,"end_word":1186,"intents":[{"intent":"Clarify financial arrangement","confidence_score":0.0018635505}]},{"text":"And then I'll just get some updated assets liabilities for the splits of everything.","start_word":1531,"end_word":1544,"intents":[{"intent":"Get updated assets","confidence_score":0.079628296},{"intent":"Get updated assets","confidence_score":0.14270568},{"intent":"Get updated assets","confidence_score":0.18540984}]},{"text":"And then with regards to the mortgage remaining on that one, do you know roughly how much is left on that one? 413,000. $4.","start_word":1581,"end_word":1604,"intents":[{"intent":"Review mortgage splits","confidence_score":0.00005516409}]},{"text":"And then with that, do you sort of plan on speaking to a mortgage broker to, like, discuss, like, refinancing and things like that as well?","start_word":1743,"end_word":1768,"intents":[{"intent":"Plan mortgage broker","confidence_score":0.00019356108},{"intent":"Discuss refinancing","confidence_score":0.1261154}]},{"text":"At the time, I told him, so my interest rate on both of them are 5.4%. Yep.","start_word":1926,"end_word":1942,"intents":[{"intent":"Discuss rates and check rate","confidence_score":0.000006460689}]},{"text":"Not a problem. So I think I'd probably try that first, go speak with CBA and see if I can if they give me another discount. And then Yep. barring if that fails, I would then go to a mortgage broker like yourselves or the one I've been for previously. Yeah.","start_word":2098,"end_word":2148,"intents":[{"intent":"Consider options","confidence_score":0.0033532835}]},{"text":"So I think I'd probably try that first, go speak with CBA and see if I can if they give me another discount. And then Yep.","start_word":2101,"end_word":2126,"intents":[{"intent":"Speak with cba","confidence_score":0.4165744},{"intent":"Try to purchase discount","confidence_score":1.0312748e-7}]},{"text":"So it's quite a number of years that you've got that you can sort of have that money invested even if it is sort of just moderately invested as opposed to just, like, offsetting the the mortgage and just sort of building up as you put money in, if that makes sense. Yeah.","start_word":2253,"end_word":2305,"intents":[{"intent":"Encourage investments","confidence_score":0.000026334365}]},{"text":"Yeah. Yeah. Yeah.","start_word":2305,"end_word":2307,"intents":[{"intent":"Express inability to afford","confidence_score":6.854287e-8}]},{"text":"Even if it is quite conservative, it might be better, and it's a bit more tax effective with those investment bonds.","start_word":2445,"end_word":2465,"intents":[{"intent":"Propose alternative investment method","confidence_score":0.0008847434}]},{"text":"become tax free because you're essentially getting taxed at a a company tax rate as opposed to, like, an individual tax rate and individual tax rate if you put the investment in, like, your kid's name or a kid's bank account with their name on it. When it starts earning interest and things like that, they can get taxed a bit more. Yeah.","start_word":2479,"end_word":2541,"intents":[{"intent":"Explain tax benefits","confidence_score":0.024160197}]},{"text":"And as far as any other goals that you're trying to achieve at the moment, I know sort of with your kid being quite young than the newer one, you're mainly focused on that. But moving forward, now that they've grown up a little bit, is there anything else sort of shorter term that you're focused on?","start_word":2847,"end_word":2903,"intents":[{"intent":"Set goals","confidence_score":0.0065975706}]},{"text":"I certainly would like to consider a rental and investment property. That would be kinda after the bathroom's renovated because at the moment, it's not that bathroom's nonfunctional. Yeah.","start_word":2935,"end_word":2963,"intents":[{"intent":"Evaluate property options","confidence_score":0.009737957}]},{"text":"Only in the essence that my son seems to have something benign on him, but we need to get checked and confirmed that it's benign. Okay.","start_word":3331,"end_word":3356,"intents":[{"intent":"Confirm benign status","confidence_score":0.0013741262}]},{"text":"I've been happy with the performance Or of the Netwealth account and your Yep. work in managing it because we've seen some ups and we've seen some downs. And I think overall, NetWise, it's up across the I don't know.","start_word":4522,"end_word":4561,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.0467366}]},{"text":"Now as I said, it has been a bit of a a rough year in terms of, like, the performance that did occur within your portfolio, and that's not just the war.","start_word":4822,"end_word":4853,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.0019165704}]},{"text":"Now the the options with those, we can obviously refresh the portfolio and have a look and review your your account, the platform, and the investments there just to ensure that moving forward, obviously, 30% is quite a high way to have in any sort of managed fund.","start_word":5257,"end_word":5304,"intents":[{"intent":"Review portfolio","confidence_score":0.058979075}]},{"text":"We can still look to keep some active management there for you if you do still want the ability to try and outperform the market and have that little bit more risk like you were saying.","start_word":5305,"end_word":5340,"intents":[{"intent":"Maintain active management","confidence_score":0.06052818}]},{"text":"But with that, we can look to adjust it a little bit to balance it a little bit more across sort of some active management and those passive sort of lower cost investments as well to hopefully, you know, put you So in a better position moving forward for the next sort of five to to ten years.","start_word":5342,"end_word":5399,"intents":[{"intent":"Adjust portfolio","confidence_score":0.10127156},{"intent":"Make adjustments","confidence_score":0.85394305}]},{"text":"You'll be able to have a chance to review it and have a look at the changes and make sure you're happy with it.","start_word":5519,"end_word":5542,"intents":[{"intent":"Review plan","confidence_score":0.034750912}]},{"text":"And if you were, you'd sign the document, and then we'd look at updating that investment for you.","start_word":5543,"end_word":5560,"intents":[{"intent":"Update investment","confidence_score":0.018061893}]},{"text":"And then in regards to your income replacement, now, generally, you can cover for up to 70% of your current income.","start_word":5643,"end_word":5663,"intents":[{"intent":"Cover income","confidence_score":0.2984475}]},{"text":"Now with your pay increase since you had the policy there, you're only covered for a monthly benefit around 7,000, where 70% of your current income is sitting around the 10,700 Is or 10,800 more so if you're rounding up in regards to a monthly benefit in the event anything did happen. is Now that before you or after tax? you still have to pay tax.","start_word":5664,"end_word":5729,"intents":[{"intent":"Round up benefits","confidence_score":0.109769136}]},{"text":"within regards to the income protection payments, the monthly benefits still has tax applied to that. You don't just get that as, like, a tax free payment. Yeah.","start_word":5823,"end_word":5850,"intents":[{"intent":"Clarify definition of income protection and premium premium","confidence_score":0.000003240898}]},{"text":"But sometimes the features lost in gain can be sort of worth rewriting.","start_word":5924,"end_word":5936,"intents":[{"intent":"Reconsider insurance coverage","confidence_score":0.00048055884},{"intent":"Consider rewriting","confidence_score":0.00043932526}]},{"text":"Is that something you wanna undertake at the moment, or are you happy with the cover that you hold currently and it would satisfy your needs if anything did happen?","start_word":5989,"end_word":6018,"intents":[{"intent":"Discuss current health coverage","confidence_score":0.0000014645841}]},{"text":"As I said, like, as you do, like, hold a policy, unfortunately, it's not like a, you know, member's discount. It actually cumulatively kinda goes up on a bit of a curve that your premiums do sort of jump up a little bit more aggressively each year.","start_word":6117,"end_word":6163,"intents":[{"intent":"Recall policy","confidence_score":0.15443222}]},{"text":"As I said, like, as you do, like, hold a policy, unfortunately, it's not like a, you know, member's discount. It actually cumulatively kinda goes up on a bit of a curve that your premiums do sort of jump up a little bit more aggressively each year. So, Yep.","start_word":6117,"end_word":6165,"intents":[{"intent":"Explore policy features","confidence_score":0.000009498948}]},{"text":"generally, around a bit after the five year mark anyway or three to five years depending on what the policy is doing, you do potentially look at rerunning it.","start_word":6166,"end_word":6194,"intents":[{"intent":"Rerun policy","confidence_score":0.37134695}]},{"text":"The only other insurance that you don't have currently and you should be aware of is trauma cover. Now trauma cover is like an out of pocket lump sum cover similar to, like, how TPD works, but it has to be paid out of pocket.","start_word":6321,"end_word":6365,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.0008023262}]},{"text":"But if we are going to be reassessing it next year for the total package for the the life and death and permanent disability and Yep. income protection, then it'd probably be something we can discuss at that stage. Yeah.","start_word":6500,"end_word":6539,"intents":[{"intent":"Reassessing package","confidence_score":0.23873962}]},{"text":"You just wanna review all parts of cover next year and just reassess based on your your needs.","start_word":6589,"end_word":6606,"intents":[{"intent":"Reviewing and reviewing coverage","confidence_score":0.008338616}]},{"text":"There is the option to look at sort of life increases as well, but given that your income's jumped up so significantly, it can only do up to a max 15% of your your current amount, which wouldn't really do much in terms of, like, reaching what you're currently at as opposed to rewriting the cover.","start_word":6660,"end_word":6715,"intents":[{"intent":"Discussing options","confidence_score":0.13811924}]},{"text":"But as far as because did you get the forms come through in that email there, Craig?","start_word":6745,"end_word":6761,"intents":[{"intent":"Checking and reviewing forms","confidence_score":0.00021399649}]},{"text":"I'll get my colleague to send out the beneficiary forms when she gets a a chance there for you.","start_word":6805,"end_word":6823,"intents":[{"intent":"Sending beneficiary forms","confidence_score":0.62372506}]},{"text":"But in regards to documents that will be in that, so the signable ones, there would be the ongoing service agreement if you are happy to stay on board as a client and are happy to Yep. have the service for the next twelve months.","start_word":6825,"end_word":6869,"intents":[{"intent":"Discussing service agreement","confidence_score":0.050101213},{"intent":"Discussing service agreement","confidence_score":0.0155718755}]},{"text":"The next one after that would be tax file opt in form, just where we store your tax file number. It's just been changed for, you know, compliance purposes.","start_word":6871,"end_word":6899,"intents":[{"intent":"Update tax file number","confidence_score":0.57427716}]},{"text":"The next one after that would be tax file opt in form, just where we store your tax file number. It's just been changed for, you know, compliance purposes. They've just updated the form.","start_word":6871,"end_word":6904,"intents":[{"intent":"Update form","confidence_score":0.26308802},{"intent":"Update form","confidence_score":0.25311834}]},{"text":"You'll be able to see the tariff talk within regards to Trump and everything as well and how the markets have sort of fed since that to just sort of give you a highlight of how markets do behave over time.","start_word":6991,"end_word":7031,"intents":[{"intent":"Monitor market behavior","confidence_score":0.00031620846}]},{"text":"You'll have a COC for the NEOS policy as well.","start_word":7077,"end_word":7086,"intents":[{"intent":"Adjust coc policy","confidence_score":0.06369621}]},{"text":"We have a little summary of your super insurance, and then you'll have the utmost up to date financial service and OQ services guide if you did wanna review that with the business changes and everything.","start_word":7087,"end_word":7122,"intents":[{"intent":"Review super insurance and super insurance","confidence_score":0.000035877976}]},{"text":"the each month, they send out a bit of an a newsletter from Oakview. Yes.","start_word":7148,"end_word":7162,"intents":[{"intent":"Receive email updates","confidence_score":0.59115314}]},{"text":"In regards to that as well, I just wanna double check your partner.","start_word":7235,"end_word":7247,"intents":[{"intent":"Double check partner","confidence_score":0.64903146}]},{"text":"Is there anything else that you want to have a chat with me about, Craig, in regards to the superannuation, how that did perform, the you know, anything else that we covered that you wanted to have a bit more conversation about? So let's see.","start_word":7441,"end_word":7485,"intents":[{"intent":"Discuss superannuation or refer to oakview","confidence_score":6.648545e-7}]},{"text":"The performance was bad for reasons Yep. x, y, and z. I accept.","start_word":7486,"end_word":7498,"intents":[{"intent":"Determine impact of poor performance","confidence_score":5.176429e-7}]},{"text":"You noted that the ratio of the distribution of the funds within the Netwealth Super has it loaded on a poor performing item that may need to be adjusted, and you will go off and investigate what the best solution would be and are going to provide me a document that states that for me to review and sign.","start_word":7501,"end_word":7559,"intents":[{"intent":"Provide document for review","confidence_score":0.0052569993}]}]},"sentiments":{"segments":[{"text":"Good morning, Craig. Thanks for returning my call there.","start_word":0,"end_word":8,"sentiment":"positive","sentiment_score":0.5810574293136597},{"text":"No. Apologies. I didn't pick up the first two times you tried to reach out to me. I was I had stepped out for a second, and I forgot that I had a 09:00. Yeah. No. That's that's perfectly fine.","start_word":9,"end_word":48,"sentiment":"neutral","sentiment_score":-0.07057519257068634},{"text":"And now's still a good time for you?","start_word":49,"end_word":56,"sentiment":"positive","sentiment_score":0.37717708945274353},{"text":"Yep. As best as any. Okay. Not a problem at all. Now I know we haven't spoken there before, Craig, so I'm one of the financial advisers here at Oakview Financial. Now I know you've been on board for a number of years there, so you're probably quite familiar with the process. I have beeped it out a little bit in terms of, like, the requirements and sort of gathering your details and just sort of amped it up a little bit there as well. So I will spend the first bit there going through updating some of your details there, your risk profile, and then I'll send you out some documents as well to sort of review the past twelve months and how things have traveled as well for you. Yep.","start_word":57,"end_word":188,"sentiment":"neutral","sentiment_score":0.12913493812084198},{"text":"Perfect.","start_word":189,"end_word":189,"sentiment":"positive","sentiment_score":0.3672754764556885},{"text":"Now as far as your email, that's still craig.cameron85@gmail. Yes. That's correct. Com? Perfect. And then your address says 45 Parkland Circuit? Yes.","start_word":190,"end_word":212,"sentiment":"neutral","sentiment_score":0.09222014248371124},{"text":"That's Brilliant.","start_word":213,"end_word":214,"sentiment":"positive","sentiment_score":0.4872941076755524},{"text":"And I've got Amanda here as your next to Kin contact. Is that still correct? correct. Do you have it as Amanda Cook or Amanda Cameron? Amanda Cameron. Yep. Nope. That's correct. I'll check your My life insurance has it incorrect, and I need to update that. And yeah. you had Same sent with me your the superannuation. So the beneficiary forms, yeah, need to be? yeah. You Three sent me times. the forms previously about two years ago. Would they still be valid, or would it be better for you to send me fresh ones? I'll probably send you the fresh ones just in case they have updated the form since then and save you sort of having to fill it out twice. Do you have access to a printer, or do you wanna sort of have it just during the post? No. I've got access to a printer. Okay.","start_word":215,"end_word":365,"sentiment":"neutral","sentiment_score":0.042637074329205694},{"text":"Perfect.","start_word":366,"end_word":366,"sentiment":"positive","sentiment_score":0.545391321182251},{"text":"I'll just give them to email the form, and then you can just scan them back there Yeah.","start_word":367,"end_word":384,"sentiment":"neutral","sentiment_score":0.2546871304512024},{"text":"in That's regards perfect. to superannuation and the insurances. So that's good.","start_word":385,"end_word":396,"sentiment":"positive","sentiment_score":0.5024433135986328},{"text":"Now as far as your occupation, I know that sort of since you came on board, you did change your occupation. I've just got you down as a systems engineer. Do you mind if I grab a little bit more information around what you're doing now? Yeah. So so I'm still in the same industry. So I'm Yep. still a in the railway industry doing engineering. The system engineering is essentially just project engineering is with what you'd also classify it as where you're just taking the customer requirements, breaking them down into individual chunks, selecting the components and systems that would satisfy those requirements, and then showing proof and evidence that the that it meets the requirements, and then test and make sure it works correctly. Yep. And as far because just working in the the rail there, are you in an office, like, a 100% of the time? Do you spend some time out, like, around the tracks and things like that in platforms? Not anymore. I haven't done that in four or five years. Yep. So a 100% in office space? Yeah. 100% in office. Perfect. So not dealing with any sort of hazardous materials around the the railway tracks at all. Like I said, I might do that once a year at best. Even then, that's probably pushing it nowadays. And, no, I wouldn't be involved in any hazardous materials or anything like that. Yep. Not a problem at all. And then as far as your employer name, are you with Queensland Rail at the moment? No. So I was at Siemens, but I've now moved over to Hyundai Rotem Corporation. Yep. And then how long have you been doing that role there versus, like, industry industry experience? Sorry, if you don't mind me asking. So I've been with this company for just over sixteen months, and then I've been in the railway industry about seventeen years. Perfect. And how many hours per week at the moment do you reckon you're sort of doing? I do thirty eight hours and only thirty eight hours.","start_word":397,"end_word":744,"sentiment":"neutral","sentiment_score":0.018912856852443052},{"text":"Perfect.","start_word":745,"end_word":745,"sentiment":"positive","sentiment_score":0.6136194467544556},{"text":"And then do you know roughly sort of what your gross income is at the moment? Before tax or after tax? Before tax is fine. $1.85 is what my income is meant to be before taxes.","start_word":746,"end_word":781,"sentiment":"neutral","sentiment_score":0.12492697685956956},{"text":"Perfect.","start_word":782,"end_word":782,"sentiment":"positive","sentiment_score":0.5545362234115601},{"text":"And do 100 you get any and 80 sort of five bonuses thousand. or anything like that? No bonuses. And do you know roughly what your expenditure and savings sort of looks like per week at the moment?","start_word":783,"end_word":820,"sentiment":"neutral","sentiment_score":0.05079208314418793},{"text":"I would say it's not good.","start_word":821,"end_word":826,"sentiment":"negative","sentiment_score":-0.5673853754997253},{"text":"Okay. I Okay. I we we were having money issues last year, so we were trying to to reorganize them. We haven't worked out what our expenditures reduce that. I think we are probably expending 80% of our income Yep. per And then week. is there a certain amount that you're putting it into a savings account at all, or is it all sort of just going Yeah. into, like, your your offset? Or So what I've done is I've set up four offset accounts against the mortgage. One where the our our, sorry, where our pay gets put in. Again, Yep. that's our general use account. I then have two savings account for one for each of the kids and a savings account for just a general savings account. And then I've automated it to set up to put in I think it's a 150 in each of the kids' account per week. No. Per month. Is it per month? No. It's per week. So $100 per week into each of the kids' account and then a $100 $400 per week into the savings account. So about $600 a week we set aside. Is that right? Sorry. Hang on. Let me just open up the banking Yeah. app app, No. and That's then perfectly I can just fine. that sounds too much, but then saying it's per month, it sounds too little. And do you have, like, a budget planner that you use at the moment, or you're kind of just going by the cedar pants at the moment? We're just kinda winging it. Yep. Would you like just a copy of, like, just Oakview's budget planner? It's just like an Excel spreadsheet that you can sort of plan out your Yeah. budget a little bit better. Yeah. I'm not gonna say no to that. Yep. Okay. So no. Okay. So it's it's 6 where's the other two accounts? Yeah. It's sorry. 600 a month we set aside Okay. into to separate accounts, separate to whatever goes into the savings account. Separate. Oh, okay. So what how much is going into the the savings account versus so for Sorry. the kids, it is, like, a bit For a the kids bit under the I've for the kids I put in a $100 a month into the savings hunt. Yep. account, I put in $400 a month. So and then the rest just sits in the everyday offset account. Okay.","start_word":827,"end_word":1236,"sentiment":"neutral","sentiment_score":-0.031976337412871966},{"text":"Not a problem. Perfect. Let's get that all updated.","start_word":1237,"end_word":1245,"sentiment":"positive","sentiment_score":0.5169175863265991},{"text":"And as far as, like, any salary sacrifice or anything like that, Craig, if you thought about that, is that something that you wanna potentially do in the future, or are you happy sort of at the moment just sorting things out before you think about that? I haven't really thought about doing the only salary sacrifice that I'd ever considered is if I could get to salary sacrifice into the mortgage or into a car loan. Like, But a I novated know you can lease only through. do, Yeah. yeah, like a novated lease. Yep. But No. That's fine. I couldn't couldn't get a good deal for the novated lease. And unless you're a government employee, you can't really offset into a mortgage. No. Unfortunately not. And do you have an EBA with your current work at the moment? That's an EBA. It's like an enterprise bargaining agreement, like a union type deal. No. We don't. No. We don't have a union. Yep. No. That's fine. You can sort of just have them with your work as well, but the unions sort of the easiest way to explain it because people know exactly what the unions are. But Yeah. it's basically just an agreement with your work for, you know, certain benefits and things like that as well. But if you don't sort of remember signing one, you probably don't have one. No. It's when you get up into, like, the end the engineering world generally doesn't do that as much Yep. as the more the trade industries, generally, because we we expect that as part of our base contract anyways, and that's negotiated at the contract phase. So that's per person. Yep.","start_word":1246,"end_word":1529,"sentiment":"neutral","sentiment_score":-0.05490569119722071},{"text":"Perfect.","start_word":1530,"end_word":1530,"sentiment":"positive","sentiment_score":0.6295753717422485},{"text":"And then I'll just get some updated assets liabilities for the splits of everything. So at the moment, the house is worth around 1.1. Is that sort of similar to what you reckon it is now? Yeah. About 1.1 to 1.2 is somewhere around the range it would be. Yep. And then with regards to the mortgage remaining on that one, do you know roughly how much is left on that one? 413,000. $4.13. And I know you had a redraw on that as well. Do you have a redraw facility on that as well, or is that just all in through the offsets now? No. So there is redraw available on both of those because I overpay them. Yep. So the so I've got two home loans because one was fixed and one was variable, but they're both variable at the moment. And they both have about 15,000 in redraw, so about $30,000 in total for redraw. Okay. Not a problem. And then how what's the split at the moment? Not that it matters that they're both sorta variable, but The splits is twenty five seventy five. So 25 in the variable, 75 was in the fixed, but it's now variable because there's no good fixed deals at the moment. Yep. And then with that, do you sort of plan on speaking to a mortgage broker to, like, discuss, like, refinancing and things like that as well? Probably when the rates start to come down a little bit. I don't really wanna lock in a fixed term rate if the the rates are gonna stay the same or potentially go down. Yep. No. I'd rather wait till the rates go down a little bit better before That's I try and lock yeah. Not a problem. You do have access to the mortgage brokers here at OQ two. There's like, an in house and then also a couple trusted partners. If you ever did wanna sort of take an opinion from your own mortgage broker or if you don't have someone, that you can in. always Yep. reach out. The the last so I spoke to my mortgage broker probably about a year and a half ago. Yep. He rang me up to do just a general check to Yep. see how he was doing to see if he could get me a better deal. At the time, I told him, so my interest rate on both of them are 5.4%. Yep. And at the time, when I told him, he said that he couldn't get me any better rate, and that was a a decent rate for but a really good rate for CBA. Yeah. It So we considering just left that it. they just raised the the rate as well, it's probably not looking like they probably would be able to sort of do much better anyway. But Yeah. it's always sort of worth the discussion at some point as well when you do wanna have a chat about it. So Yeah. that's all in fine given that you oh, sorry. Yeah. No. I understand. I had gone to two years ago when the rates were starting to get high, I'd gone to CBA. And when I spoke to them because I was creating the additional offset accounts for my kids' savings, Yep. they gave me an additional discount on both the interest rates. Okay. Not a problem. So I think I'd probably try that first, go speak with CBA and see if I can if they give me another discount. And then Yep. barring if that fails, I would then go to a mortgage broker like yourselves or the one I've been for previously. Yeah. Not a problem. With that too, if you sorta by having the child accounts there as well, if you feel like you're not sorta getting, you know, a good rate of having those there just sitting there, there is options to do, like, investment bonds and things for your kids as well to be able to, you know, have that money invested slightly more aggressively given, you know, the time until they probably need it because I do have it here sort of thinking more sort of college, university sort of funding less so, you know, car at the age of 16 type deal. So it's quite a number of years that you've got that you can sort of have that money invested even if it is sort of just moderately invested as opposed to just, like, offsetting the the mortgage and just sort of building up as you put money in, if that makes sense. Yeah. Yeah. Yeah. So right. The offset is the kind of the safe approach, and what you're referring to is going with a slightly more risky approach and trying to see if we can get a better return on it. Basically, yeah. But that's obviously up to you and sort of because at the moment, you're obviously offsetting the 5.4% interest rate, which means that it lowers your mortgage quite a bit in terms of the repayments you have to make. But if you ever sort of, you know, paid down the mortgage off and then sort of just sitting cash in the bank and you are just getting interest on that as well, given that the interest rate would be lower than what you're paying off the the mortgage there, you can look to a different sort of investment. Even if it is quite conservative, it might be better, and it's a bit more tax effective with those investment bonds. If you hold them for a ten year period, the Yeah. distributions Okay. become tax free because you're essentially getting taxed at a a company tax rate as opposed to, like, an individual tax rate and individual tax rate if you put the investment in, like, your kid's name or a kid's bank account with their name on it. When it starts earning interest and things like that, they can get taxed a bit more. Yeah. That's well, that's kinda why I point put it as an offset, then at least it's not taxed. Yeah. But all things to think about.","start_word":1531,"end_word":2566,"sentiment":"neutral","sentiment_score":0.08417576204798397},{"text":"If you're happy having it the way it is at the moment, there's nothing wrong with that as well. Yeah. I'm I'm happy with the way that is for the moment because it keeps it simple.","start_word":2567,"end_word":2602,"sentiment":"positive","sentiment_score":0.5742233395576477},{"text":"Yep. Not a problem. And as far as the offset amounts that you've got, so the cash in the the bank one, how much is that roughly sitting at at the moment? Just the everyday account Yeah. is at 52,000. 52.","start_word":2603,"end_word":2643,"sentiment":"neutral","sentiment_score":0.09462125599384308},{"text":"Perfect.","start_word":2644,"end_word":2644,"sentiment":"positive","sentiment_score":0.4118577539920807},{"text":"And then as far as, like, the other general spending one you do have, what was that one sort of sitting So you mean the savings account? at? Yeah. 6,700.0. So 6,700. Yep. And then with regards to the child's offsets, how much have you got in each one of those? Yeah. So one of them is at 13,500, and the other one is at 8,100.","start_word":2645,"end_word":2710,"sentiment":"neutral","sentiment_score":0.06642571836709976},{"text":"Perfect.","start_word":2711,"end_word":2711,"sentiment":"positive","sentiment_score":0.3912761211395264},{"text":"And I have a car here that was worth around 30 with 20 owing. Do you know roughly what's left on that one? Yes. So it's paid off now.","start_word":2712,"end_word":2740,"sentiment":"neutral","sentiment_score":0.12319880723953248},{"text":"Perfect.","start_word":2741,"end_word":2741,"sentiment":"positive","sentiment_score":0.5058718323707581},{"text":"And as far as anything you're sort of trying to achieve in regards to, like, your your savings or anything like that, is there anything else apart from, like, paying down the mortgage and building up those accounts that you're sort trying to achieve So the savings offset account is is there for, with that? I guess, emergency funds and vacations. Yep. The everyday account, obviously, is your everyday bills, but then it's at 52,000. We're looking at renovating the bathroom or we've agreed to renovate the bathroom. So 25 of that will be set aside to renovate the bathroom at the moment. Yep.","start_word":2742,"end_word":2845,"sentiment":"neutral","sentiment_score":0.12418093532323836},{"text":"Perfect.","start_word":2846,"end_word":2846,"sentiment":"positive","sentiment_score":0.4760245084762573},{"text":"And as far as any other goals that you're trying to achieve at the moment, I know sort of with your kid being quite young than the newer one, you're mainly focused on that. But moving forward, now that they've grown up a little bit, is there anything else sort of shorter term that you're focused on? Are you sort of thinking, like, investment property down the future? Are you sort of just happy paying down the debt, renovating the house, and just focus on your your savings? I certainly would like to consider a rental and investment property. That would be kinda after the bathroom's renovated because at the moment, it's not that bathroom's nonfunctional. Yeah. I'd probably be starting to look towards an investment property. Yep. Okay. And as far as that, is there any sort of other shorter term goals that you're looking to do at the moment? Sure. The investment property is probably a little bit longer. Shorter term, probably not. I Yep.","start_word":2847,"end_word":3013,"sentiment":"neutral","sentiment_score":0.1533533364177464},{"text":"think we're pretty comfortable where we're at. Largely, yeah, pretty happy with how you're sort of tracking and everything that's going on. That's fine.","start_word":3014,"end_word":3037,"sentiment":"positive","sentiment_score":0.5585404634475708},{"text":"Yeah. So last like I said, last year, we were we realized halfway through the year that we're spending more money than than we're bringing in. So our main goal of last year for the short term was to to bring that back in and have this the the money coming in be greater than the money going out. Yeah. And And I I completely think we've understand. achieved that at this point. And then beyond the renovations, we hadn't really discussed anything further. There was nothing either critical or specifically wanted. Yep. Not a problem. And I also have here that you do have a share portfolio in your partner's name. Do you still have that portfolio? No. So that portfolio so when the second child came around, we found that we were needing a a bigger vehicle. Yep. So we traded in one of the vehicles and used the portfolio to buy to to pay for a vehicle outright. Yep. Not a problem. And then so you've answered these questions previously as well. These are a few odd ones and just because it's like, obviously, I said the the new process there, but you've never declared bankruptcy previously before, have you? No. I've never declared bankruptcy. And you're not a tax resident for any other jurisdiction at the moment? Not at the moment. I was a couple of years ago, but not at the moment. Okay. Not a problem. And then as far as being politically exposed, you're not involved in any politics or any family in politics? Oh, god. No. Okay. Not a problem. And as far as the health's been going, no unexpected hospital trips or anything like that that since we sort of last spoke? No medications, injuries? Only in the essence that my son seems to have something benign on him, but we need to get checked and confirmed that it's benign. Okay. No problem. And as far as yourself, sir? Myself is fine. Yep. Not taking any medications currently? I'm taking medications to to manage an ongoing condition. And I know it's a bit personal, but do you mind me asking what that is currently? If you don't feel like It's you wanna sorry. disclose No. No. it. I'm just just getting the right term. So it's called IBD inflammatory bowel disease. Okay. And it but it's not Crohn's or anything like that? Well, Crohn's is underneath that, but, no, it's not Crohn's specifically. Yeah. It's ulcerative colitis. It's a specific variant that I'm referring to. It's like Crohn's, just Yeah. as a in a different part of the bowels. And then within regards to that one, that doesn't predate your income protection cover, does it? That these come after you got your insurances with us? When did I get my insurances with you guys? I'll just check the exact date. Bear with me. It's been quite a few years now. Back in 2020 is when this policy started. So was the diagnosis after that? I can't recall, to be honest. I I have been I I think it would have been somewhere around 2021 that I got diagnosed, but I couldn't give you the exact date of hang on. Let me check. No. That should be fine. Because you do have a loading on your as I said, because we haven't sort of spoken before. It doesn't specifically list because of the age of the the policy what the loading was for. It could be for the fact that you had IVD back then, and that's why you have a 75% loading on your cover. But I'd have to try and find and redownload the the application summary to see what was disclosed, but that's fine. We can also just Look. I officially got diagnosed in 2021, but yep. I had known I had issues before that. And I would have likely disclosed it, but I never had an official diagnosis until 2021. Okay. Not a problem. We can always revisit that and have a look at that. Worst case scenario, it's just something we'd disclose to the insurer. You do have the loading there, and it doesn't specifically state why. So I'd say it's there to say from the conditions that you did disclose. Now, obviously, you know, as you get older too, you end the policy to get older, your insurance gets more expensive, so you can, like, review and go to market again. Obviously, when you do have this sort of set diagnosis as well, those might be loadings or exclusions moving forward. It's just something to be aware of. But I'll go over the cover amounts in a bit here and sort of have a discussion with you and see if you're still comfortable with those. But at the moment there, Craig, do you have private health cover? Yes. I do. Right. And then as far as a will being put in place, I don't have a note of you having one of you managed to get around to setting one up. No. I never set one up.","start_word":3038,"end_word":3887,"sentiment":"neutral","sentiment_score":-0.03289326687946039},{"text":"My wife talked about it and it bugged me for it, but then life got in the way and we never got one done.","start_word":3888,"end_word":3911,"sentiment":"negative","sentiment_score":-0.3665857613086701},{"text":"Okay. Not a problem. What I can do there for you is I can send through to some general information from a local solicitor if you'd like to have a look at sort of some general pricing. Obviously, you know, you probably choose to to go with someone else, but it just can be a little bit of information for you to have. Sure. I'm okay with you sending me some information. No problem. As I said, they're a completely different service. So whether you go with them or not, it's my skin off my back. But Yeah. as far as anything else I haven't sort of discussed there, Craig, that you feel that might be important, is there anything that you sort of I didn't touch on that you wanna have a chat about? Or I'm assuming we're gonna talk about the how the super is doing next Yeah. anyway, so Yep. Yep. I'll I'll I'll hold my tongue until then. Okay. Not a problem. Yeah. So the next part there is we'll just quickly jump into a risk profile just to show you it sort of gauged your risk tolerance from when you sort of last had one done. So I'll just go through these questions here, but I know you have, even through your wife, had direct shares there previously, so that's fine. And then as far as inflation is concerned, are you still willing to take on a higher amount of risk to try and outpace inflation and, like, have a bit of a higher risk reward ratio? I would say yes. Because looking at the way my how much is in my super and the fact that I only started contributing to once I was I think in later in my twenties. Yep. So I'm late to the game in the Australian event. Yep. And noting the fact that I did look at the super account last week, Yep. and I had note would note that as of last year, it's down comparatively. So I'm I'm more than happy to go with the riskier approach. Do you say a more risky approach? Or Is I'm happy with the approach we have or slightly riskier approach. okay.","start_word":3912,"end_word":4282,"sentiment":"neutral","sentiment_score":0.09386935567036472},{"text":"Not a problem. Yeah.","start_word":4283,"end_word":4286,"sentiment":"positive","sentiment_score":0.38951146602630615},{"text":"Because we thought we'll go over the performance here in a second and what did occur there for you and explain sort of why what happened there as well for you. But in regards to sort of your portfolio and if you sort of were to make a change for it and it still did decrease by, like, 20% in the next six months just due to what's happening in the market currently with, like, the wars and things like that, Would that make you wanna sort of shift to more secure asset, or are you happy sort of, you know, still investing moderately for growth and trying to get that longer term sort of time horizon going and sort of aiming the long term and not so much the short term? Considering a Supra is designed for something that I won't be able to access till I'm 60, which is another twenty years for me. Yep. I'm more geared towards the long term growth of it so that when I get to that point that there is a greater chance of it to be higher.","start_word":4287,"end_word":4472,"sentiment":"neutral","sentiment_score":0.030713105263809364},{"text":"Perfect.","start_word":4473,"end_word":4473,"sentiment":"positive","sentiment_score":0.5909770727157593},{"text":"And then as far as when you super has taken a bit of a dive sort of, you know, obviously this year and, you know, previous years, like, potentially COVID if you were looking at it, Did that make you quite concerned No. at Because so, overall, all? I've been happy with the performance Or of the Netwealth account and your Yep. work in managing it because we've seen some ups and we've seen some downs. And I think overall, NetWise, it's up across the I don't know. The the Yeah. six Since years inception, I've been with you guys. yeah, it is up since, like, your inception of being onboard. Obviously, the last sort of year sort of wiped a bit of that off in terms of, like, a dollar figure. I'll cover the performance after this last question here. But then in regards to borrowed money there, would you like you said, you'd borrow for investment property. Would you ever borrowed for, like, a share portfolio in the future if sort of circumstances were a little bit different or if you did have, like, the available funds?","start_word":4474,"end_word":4662,"sentiment":"neutral","sentiment_score":-0.04232810437679291},{"text":"I'm not confident in my ability to man to select the Yep.","start_word":4663,"end_word":4674,"sentiment":"negative","sentiment_score":-0.4700689911842346},{"text":"correct No. shares. And I don't have the mental well, the mental drive because I just don't find shares, and that's an interesting topic to go and do the background research necessary to to actually do investments. And be sort of confident in your investments.","start_word":4675,"end_word":4719,"sentiment":"neutral","sentiment_score":-0.1273958057165146},{"text":"That's fine. Yes. That still does bring you out to a high growth investment investor there. So it's around that ninety ten split of around 90<unk> growth assets and about 10% more to defensive assets.","start_word":4720,"end_word":4755,"sentiment":"positive","sentiment_score":0.4949215352535248},{"text":"Now that is currently what you are in within your Netwealth account, and I will send you out this as well. So bear with me. It'll just have all your documents for you and your review here. And it'll just be going to that craig.cameron85@gmail.com, and then you'll have that to be able to have a look at it. So that should be with you there shortly. Now as I said, it has been a bit of a a rough year in terms of, like, the performance that did occur within your portfolio, and that's not just the war. So once you get that form up in front of you there, it will show you individual underlying investments. Now as a result of, obviously, the war in Iran, it has had a bit of an impact on Super overall, not just yourself, but everyone. Now back, obviously, five to six years ago when you originally came on board, I can't sort of pertain to, like, the conversations you did have, but you did have a larger portion into an actively managed fund. I don't know if you remember sort of back that far in the discussions you have with the adviser there in regards to that. But Yeah. Bennelong I think so. yeah. Bennelong It's heavy. was like a yeah. Okay. Bennelong was like an actively managed Australian equities. And then previously, you know, after the flight was tracking really quite well.","start_word":4756,"end_word":4997,"sentiment":"neutral","sentiment_score":0.08223417401313782},{"text":"Unfortunately, at the end of last year, they did have an underlying investment that was done for not reporting correctly, which caused them to take it down with Skid in terms having to reevaluate that, not only that stock, but people sort of, you know, reevaluating Bennelong and sort of how they wanna be in Bennelong or not. And then also the war did hit at the same time, so a bit of a double whammy.","start_word":4997,"end_word":5072,"sentiment":"negative","sentiment_score":-0.5220836400985718},{"text":"As far So as the what's the rest been wait. the loan? It's an Australian managed fund. So in index is where they basically track the markets in a managed fund. It's up to the fund manager to the investments to be able to sort of try and outperform the market. You do pay a little bit more for those managed funds to try and Okay. outperform the market. Yes.","start_word":5073,"end_word":5142,"sentiment":"neutral","sentiment_score":0.08735020458698273},{"text":"Now, unfortunately, with what did happen, because you had such a higher weighting, like, of that 30% in it, it did cause the the downward skew of your portfolio for the year. It was around 3.5% down, which, you know, in the grand scheme of things isn't like a huge drop overall in terms of, like, your balance. It's obviously not ideal.","start_word":5143,"end_word":5204,"sentiment":"negative","sentiment_score":-0.47818949818611145},{"text":"But in saying that, like, the rest of your portfolio did somewhat prop it up.","start_word":5205,"end_word":5219,"sentiment":"neutral","sentiment_score":-0.13668961822986603},{"text":"The only other thing that did have a bit of a bad deal was cybersecurity, and that's because all the AI and everything at the start of this year also did take a bit of a dip.","start_word":5220,"end_word":5256,"sentiment":"negative","sentiment_score":-0.5383611917495728},{"text":"Now the the options with those, we can obviously refresh the portfolio and have a look and review your your account, the platform, and the investments there just to ensure that moving forward, obviously, 30% is quite a high way to have in any sort of managed fund. We can still look to keep some active management there for you if you do still want the ability to try and outperform the market and have that little bit more risk like you were saying. But with that, we can look to adjust it a little bit to balance it a little bit more across sort of some active management and those passive sort of lower cost investments as well to hopefully, you know, put you So in a better position moving forward for the next sort of five to to ten years. I agree with your assessment on the Yep. basis that you are the expert in this area. Yep.","start_word":5257,"end_word":5416,"sentiment":"neutral","sentiment_score":0.19080698117613792},{"text":"That's the reason I'm going with a financial your financial services is so that you can manage those things and advise me. And if you believe there is a concern with the way it's currently set up, I am more than happy for you to make adjustments necessary to to bring it into a better position. Perfect.","start_word":5417,"end_word":5473,"sentiment":"positive","sentiment_score":0.3962441086769104},{"text":"Because with that one there, obviously, we're not just gonna go in and make the changes. We do have to put in a statement of advice, so it will probably take a few weeks for you there. We'll do the research.","start_word":5474,"end_word":5514,"sentiment":"neutral","sentiment_score":0.2187279313802719},{"text":"We'll put it together. You'll be able to have a chance to review it and have a look at the changes and make sure you're happy with it.","start_word":5515,"end_word":5542,"sentiment":"positive","sentiment_score":0.4241304695606232},{"text":"And if you were, you'd sign the document, and then we'd look at updating that investment for you. Now as far as your insurances are concerned there as well, you do have, as I said before, life income protection and total permanent disability. Now in regards to the life and TPD there, you do have around 870,000, a little bit over, which is sort of more than enough to cover your current debts, some income replacement after the fact. Maybe not as much income replacement given that you're on such a high income, but definitely more than just covering debts. And then in regards to your income replacement, now, generally, you can cover for up to 70% of your current income. Now with your pay increase since you had the policy there, you're only covered for a monthly benefit around 7,000, where 70% of your current income is sitting around the 10,700 Is or 10,800 more so if you're rounding up in regards to a monthly benefit in the event anything did happen. is Now that before you or after tax? you still have to pay tax. So it you you can only ever cover up to 70% of your current income. And back, obviously, when you took out the policy, your income was quite a bit less, so you chose to go with a little bit less. Yeah. And But then you'd sorry. Sorry. What I meant by that is so currently, after taxes, I mean, per month, I clear about maybe 11,000. This is pretax dollars. Sorry. So obviously, Okay. That that's that's we've why I was clarifying. You're referring yes, to sir. pretax dollars. Yeah. Because Okay. within regards to the income protection payments, the monthly benefits still has tax applied to that. You don't just get that as, like, a tax free payment. Yeah. Yep. So the numbers are, yeah, pretax. So in saying that, like, income protection is the more costly insurance, But with that as well, because the age of your policy, it has obviously crept up a bit in terms of, like, the price you do pay with the loading as well. Given it's a 2020 policy, some of the income protection policies back then are a little bit more comprehensive than newer ones. But sometimes the features lost in gain can be sort of worth rewriting. To have a look at insurances and rewriting insurances, then we would have to do, like, a pre assessment to be able to assess your current sort of health, everything, you know, the preexisting conditions and sort of family and a bit more about your occupation to be able to do that. Is that something you wanna undertake at the moment, or are you happy with the cover that you hold currently and it would satisfy your needs if anything did happen? I think if something were to happen at the moment, it would be a bit tight, but I believe I think we could still make it work. Yep. So would you be happy retaining what the current cover you have, or is that something you want to do that sort of pre assessment process with us and revisit that as well at this time? I I think at this time so I looked at the other day, Yep. and I think at this time, I would be happy to maybe reassess it next year. Next year? Yeah. Yep. As I said, like, as you do, like, hold a policy, unfortunately, it's not like a, you know, member's discount.","start_word":5543,"end_word":6136,"sentiment":"neutral","sentiment_score":0.0133880400961196},{"text":"It actually cumulatively kinda goes up on a bit of a curve that your premiums do sort of jump up a little bit more aggressively each year.","start_word":6137,"end_word":6163,"sentiment":"negative","sentiment_score":-0.34203383326530457},{"text":"So, Yep. generally, around a bit after the five year mark anyway or three to five years depending on what the policy is doing, you do potentially look at rerunning it. As I said, given that your IP policy is a little bit older, it might have some benefits you might be foregoing with an update. And then it just depends, like, on health sort of diagnosis, things like that that how they might rate cover. Yep. Given that you do have the 75% loading currently, I'm assuming, yeah, you probably did disclose some sort of thing in regards to the condition you do hold. But in saying that if it's already sort of listed on this policy as a loading, it's likely to just be one on the the new one anyway, so that doesn't make much of a difference in regards to that. Happy Yeah. to move a note here just revisit it next year. The only other insurance that you don't have currently and you should be aware of is trauma cover. Now trauma cover is like an out of pocket lump sum cover similar to, like, how TPD works, but it has to be paid out of pocket. And the one thing it sort of does is it covers for traumatic events like heart attacks, strokes, those sort of traumatic injuries where you may not be totally permanently disabled. You may not be off work for, like, your thirty days for an income protection policy. But if you get, like, a a cancer diagnosis, things like that, sometimes you might wanna take some work off. You might wanna be able to, you know, afford some some more medication travel for treatments, things like that as well, which is a cover that you don't hold, but it is an option in the future as well, which is something you should be just aware of. It's a bit of a I think at this stage, I don't refresh. particularly think that interests me. Yep. But if we are going to be reassessing it next year for the total package for the the life and death and permanent disability and Yep. income protection, then it'd probably be something we can discuss at that stage. Yeah.","start_word":6164,"end_word":6539,"sentiment":"neutral","sentiment_score":0.017161664529455865},{"text":"And, look, we're always more than happy to just give you the general pricing and put in the recommendation.","start_word":6540,"end_word":6558,"sentiment":"positive","sentiment_score":0.4468198716640472},{"text":"The worst thing you do is say, no. You don't want it at the end of the day as well.","start_word":6559,"end_word":6578,"sentiment":"negative","sentiment_score":-0.4097895622253418},{"text":"So I'll make a note of that, put it here. You just wanna review all parts of cover next year and just reassess based on your your needs. By then as well, you might be thinking about investment properties, things like that, and due debt might change slightly depending on how you structure your loan, which is something you probably should be looking at your insurance cover anyway at those stages. That and just the Yep. income increase there as well. There is the option to look at sort of life increases as well, but given that your income's jumped up so significantly, it can only do up to a max 15% of your your current amount, which wouldn't really do much in terms of, like, reaching what you're currently at as opposed to rewriting the cover. Yep. Yeah. Worst comes to worst, if anything did come out of it, we can just look doing some form of top ups and things like that as well. But as far as because did you get the forms come through in that email there, Craig? Yes. But at the moment, I'm on a phone, so I can't really do too much.","start_word":6579,"end_word":6777,"sentiment":"neutral","sentiment_score":-0.019794408231973648},{"text":"That's perfectly fine.","start_word":6778,"end_word":6780,"sentiment":"positive","sentiment_score":0.3658997416496277},{"text":"I'll just run through the forms that are there for you, and I'll shoot you an email with that that budget planner, I believe. I'll get my colleague to send out the beneficiary forms when she gets a a chance there for you. Yep.","start_word":6781,"end_word":6824,"sentiment":"neutral","sentiment_score":0.29359257221221924},{"text":"But in regards to documents that will be in that, so the signable ones, there would be the ongoing service agreement if you are happy to stay on board as a client and are happy to Yep. have the service for the next twelve months.","start_word":6825,"end_word":6869,"sentiment":"positive","sentiment_score":0.35247212648391724},{"text":"The next one after that would be tax file opt in form, just where we store your tax file number. It's just been changed for, you know, compliance purposes. They've just updated the form. So that's where we store your tax file number and has been updated that needs to be signed.","start_word":6870,"end_word":6921,"sentiment":"neutral","sentiment_score":0.11773542314767838},{"text":"So you're still happy for that.","start_word":6922,"end_word":6927,"sentiment":"positive","sentiment_score":0.7691265940666199},{"text":"And then with the attachments, you have a Vanguard index chart, show you sort of the ups and downs in the market. Then it is a 2025 copy there, so, unfortunately, you won't get the the war on that on the end of that, but you'll be able to see, you know, COVID dip. You'll be able to see out recovered from that. You'll be able to see the tariff talk within regards to Trump and everything as well and how the markets have sort of fed since that to just sort of give you a highlight of how markets do behave over time. You do have that twelve month performance, as I said, not too fantastic. It's only the two funds that caused that, though, and it's mainly due to your high waiting in that managed fund, Yep. which we'll look to sort of adjust there moving forward. You'll have a COC for the NEOS policy as well. We have a little summary of your super insurance, and then you'll have the utmost up to date financial service and OQ services guide if you did wanna review that with the business changes and everything. And are you currently receiving the the email updates there as well with everything that has been changing, Email Craig? Are you part of updates? the each month, they send out a bit of an a newsletter from Oakview. Yes.","start_word":6928,"end_word":7162,"sentiment":"neutral","sentiment_score":0.10366904735565186},{"text":"It appears I am being spammed.","start_word":7163,"end_word":7168,"sentiment":"negative","sentiment_score":-0.3916632533073426},{"text":"Yes. So each month, you do get just an email update on sort of business changes, things that are changing there as well just to be able to review that and make sure that if anything is occurring, you're sort of aware of it that is changing with the business because as I said, there has been a few quite a few changes there for you. In regards to that as well, I just wanna double check your partner. She's not a client with us at the moment, is she there, No. Craig? She's not. Yeah. Okay. That's that's fine. I'll just ask because they do currently have a coupling fee going on, and with the change in CRMs that we're using, it's some of the linkings and stuff didn't come across.","start_word":7169,"end_word":7300,"sentiment":"neutral","sentiment_score":0.023058346924230907},{"text":"So if your partner is on board, it does drop the fees down to 1.1% at the moment, which is fantastic. If she's happy doing her own thing, that's more than fine.","start_word":7301,"end_word":7332,"sentiment":"positive","sentiment_score":0.5366129279136658},{"text":"But, also, if you do refer people on, they do have the referral program still running.","start_word":7333,"end_word":7348,"sentiment":"neutral","sentiment_score":0.3272765576839447},{"text":"So if you're talking to colleagues, friends, family, things like that, and do refer Oakview as a, you know, trusted partner there that you're happy to refer us onto if they did come on board through your referral. You get a $100 gift card at the moment. So if you are putting the name out there and having conversations with people, make sure they say you're you're the one that sent them. Just you might get a bit of free money out of it.","start_word":7349,"end_word":7432,"sentiment":"positive","sentiment_score":0.4007778763771057},{"text":"Okay. Not No. a Not problem. a problem. Is there anything else that you want to have a chat with me about, Craig, in regards to the superannuation, how that did perform, the you know, anything else that we covered that you wanted to have a bit more conversation about? So let's see. The performance was bad for reasons Yep. x, y, and z. I accept. Fair enough. You noted that the ratio of the distribution of the funds within the Netwealth Super has it loaded on a poor performing item that may need to be adjusted, and you will go off and investigate what the best solution would be and are going to provide me a document that states that for me to review and sign. I If you're happy with everything. Correct? Yep. know I didn't say it exactly the way you said it, but I think yes. you covered You know? it pretty well. So yeah. No. That's fine. No.","start_word":7433,"end_word":7595,"sentiment":"neutral","sentiment_score":-0.011380208656191826},{"text":"I understand that some years are gonna be worse than others and noting that Trump is not making it easy for anyone.","start_word":7596,"end_word":7617,"sentiment":"negative","sentiment_score":-0.35638758540153503},{"text":"And, yeah, that's fine. That's expected. Yeah. As I said, it was a bit of a double whammy with that underlying performance of that asset in the fund and then the world events that is occurring.","start_word":7618,"end_word":7653,"sentiment":"neutral","sentiment_score":-0.16842257976531982},{"text":"And it was just a bit unfortunate that the one asset that wasn't really performing too fantastic in the portfolio is the one that you're most heavily weighted in there.","start_word":7654,"end_word":7683,"sentiment":"negative","sentiment_score":-0.44947078824043274},{"text":"So we'll look at adjusting that and sort of moving that forward to where if something like that does happen, you don't have such an aggressive sort of weighting towards one Yep. particular thing that is a managed fund that does carry that sort of financial risk. Okay.","start_word":7684,"end_word":7731,"sentiment":"neutral","sentiment_score":-0.19239139556884768},{"text":"That's not a problem. Thank you.","start_word":7732,"end_word":7737,"sentiment":"positive","sentiment_score":0.43218064308166504},{"text":"No problem, Craig. Well, if you don't have anything for me there, I'll let you get back to your morning. I'm probably taking up enough time here already. But if you do have any questions, feel free to respond to that email or give us call with any of those documents once you do have a chance to go through a little look through them. Obviously, if you're happy to stay on board for another twelve months, that's ongoing service agreement to that and then the expected fee within regards to that for the twelve month period. It is a non locking contract too, so at any point you did feel like you're not getting the most out of the service, you don't feel like you have to be trapped as well, just for a bit of peace of mind. But, otherwise, I'll leave you to those documents that I review on your own time, Craig, and I'm sure we'll be talking soon.","start_word":7738,"end_word":7900,"sentiment":"neutral","sentiment_score":0.17336255311965942},{"text":"No problem. Thank you for that. No problem at all, Craig. Thanks for your time. Bye now.","start_word":7901,"end_word":7917,"sentiment":"positive","sentiment_score":0.5212400555610657},{"text":"Alright.","start_word":7918,"end_word":7918,"sentiment":"neutral","sentiment_score":0.31832894682884216},{"text":"Cheers.","start_word":7919,"end_word":7919,"sentiment":"positive","sentiment_score":0.5122201442718506},{"text":"Bye.","start_word":7920,"end_word":7920,"sentiment":"neutral","sentiment_score":0.32676956057548523}],"average":{"sentiment":"neutral","sentiment_score":0.04325547904165852}}}}