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I've got some yeah. We've got it's it's so windy that I can hear the house shaking at the moment. I'm just giving you a call to finish off the the last couple of sections for your annual review. Perfect. So what I'll do is just because it has been a little while, I'll give you a quick recap, go through the last couple of items, and then I'll send you out a review pack afterwards, if that's okay? Perfect. Now just as always, are you okay for the call to be recorded? Amazing. And just for the security of your information, I'm registered with Aptive as Adviser 1273105. Could I please confirm your date of birth and address? Sensational. Thank you so much for that. Now just as a bit of a recap, so we had already discussed your your goals and your cash flow and everything, and you're basically focusing everything towards the renovations and holidays, a few long weekends, and we basically agreed to revisit extra contributions to super after the age of 60 when you can do a transition strategy. Does that ring a bell? Awesome. And, again, just that focus on the paying down the mortgage as well. Cool. Now when it comes to the super, we had flagged to keep an eye on one of the investments there. It's been growing very well. We will basically just gonna keep you in a growth risk profile for the time being and come back to that better long investment if it hasn't sort of picked up back towards the end of the year. Now when it comes to the estate planning side of things, I wasn't able to check before our call finished whether you would put in place, like, a will or a power of attorney. Yep. And yeah. So most of your assets would would pass on to your partner, but you haven't done, like, a formal written will with a lawyer or anything? Cool. My usual reminder is just most people think of will, but not many people consider powers of attorney where it's a bit easier for your partner to gain access to things like bank accounts, talk to doctors on your behalf for medical concern. It just skips having to go to the court for probate and things like that. Perfect. So I'll leave those as a note for the will and power of attorney, and I do need to send you out some forms to put in place the beneficiary nomination for you so far. Perfect. So would you like to nominate your partner for the super for the time being? And then yeah. Now the types of nominations, we normally recommend a legally binding one. I don't know why they offer the option for a nonbinding, which is the super fund discretion. Normally, legally binding is the safest. So we will send you out a form where we'll kind of tick the nomination type for you. And the other option that you've got is you can either have it as a non lapsing where it doesn't expire until you change it, or you can have it as a lapsing that expires every three years and kind of forces you to update it. What would be your preference? Yep. That's normally the way. So we call that a binding nonlacing, and I'll get that picked on the form. You do just have to get two people to witness the signature because it's a legal document, and they can't be the beneficiary themselves. Yeah. And it doesn't even have to be JP's. It can be just two adults. Perfect. Would you like me to post that out with a return envelope, or would you prefer to print that out and and sign it with the the pen? Yep. Easy done. We'll send you as long as it's signed with signature via pen, you should be okay to scan it back. Easy done. I'll get Michelle to send that out to you this week, and you should have that today or tomorrow. Perfect. We were talking about the refinance of the property, and I just wanted to quickly double check with you the mortgage value that you might have left over for that one. 400. And we did have it valued at 1,600,000. Do you know if that's much different when you went to the refinance? 1.7¢, station. Thank you very much for that. Yeah. Okay. That wouldn't make too much of a difference for us if it's a little bit off. Alrighty. The last thing to go over is just in terms of the insurance side of things. I think some insurances were previously canceled, but there's no life disability, income protection, or trauma. I just wanted to ask if you wanted me to run any quotes this year for you. Correct. So most of the personal insurances are for injury and illness that happens outside of work. But, again, based on age, they do get quite expensive in the fifties as well. So I just wanted to, yeah, run it by you. Do you want, like, a quote for any life insurance or anything like that? Or perfect. I guess just for compliance sake, I do need to ask that you understand the risk of not having insurances means you transfer the risk for those situations onto your personal finances. Perfect. So we will keep an eye on the portfolio. No insurances at the moment. I'll send you out the beneficiary forms for the super. And the the last thing I want to check with you just quickly was I had your updated income and occupation title, but do you have a set savings amount that you're you're putting aside regularly? Perfect. And is that like a set amount that you try and do each pay? Or Yeah. Perfect. Nice and safe. Perfect. So there's a couple of steps removed, so it's not too easy. Amazing. Do you mind if I note down sorry. You go for it. Yeah. Like, you've got to note down a specific reason and and bring in all the information. I'm late. And okay. That makes more sense. Perfect. Yeah. Yeah. Gotcha. And with the the value that we had before for the mortgage being 400,000, how much would the offset account be sitting at above that? Perfect. So what I'll do is I'll put in the loan value at 440,000 and then minus off the 40,000 for the offset. Is that okay? Perfect. Alright. Is there any questions so far on any of the areas we've talked about? That's right. I've got you set. Age 65. We're kind of aiming for, like, as much of the mortgage paid off and hopefully around 1,200 a week coming out tax free. Oh, it was like, you wouldn't believe I asked the same question to every client. My entire career, I've asked, would you retire as early as possible, or do you always need sort of something to do? And it is a straight fifty fifty split where half the country says, get me out of the right race tomorrow if I won the lotto, and the other half says, I wouldn't know what to do with myself. And so I just cross the retirement plan depending on those two answers. Yeah. Yep. Yeah. Mhmm. Yeah. So it almost gave you a bit of a taste of what retirement might look like if you had nothing to do. Yeah. Yep. I'm with you. Yeah. Yeah. Absolutely. Yeah. Oh, wow. Oh my gosh. Yes. Wow. That was the point. Yes. Yeah. I ended up buying my wife a a coffee machine when we had our third child, and she never looked back soon. Beautiful. Yeah. Yeah. Well, I grew up at a time where you could get a lolly from the corner store for 5¢, 10¢, 20 cents. And now it's all $2, $5, and I'm just like, wow. That's that's the inflation everyone's been talking about. No way. Yeah. Yeah. It's getting to the point where you just won't do it anymore. Yeah. And you're good to go. Yeah. The the constant purchases or just trying to figure it out? Yeah. Yeah. It all adds up. That's a family meal. Yeah. Even if you go to McDonald's these days, you can still spend $60.70 dollars easily. Yeah. Yeah. And just the one off once a week kind of thing. Yeah. One of the things that'll be good for you is when you hit over the 60 is, like you said, you don't have to stop working, but at least you can access a little bit of the sliver to top you off if you wanted to do something a little bit, you know, a bit more part time or something. No. Right. So we'll say 65 maybe, but we'll see how you feel at the time. Yep. Yeah. Roundabout 65, 67 if you need to wait for the age pension, But you guys will be pretty well, you know, self funded, so it should be okay. Yeah. Yeah. Perfect. One thing I was gonna let you know as well, Wilbert, is we've had a bit of a change in our fee structure with OPU Financial. So, normally, last year, you would be under the standard kind of 1.65% fee through the super, but Debit and Bart have introduced a tiered fee structure. And what that basically means is for everybody above 300,000, there's discount supply between 200 and 500,000, which you qualify for, and then a further discount once you go above 500,000. So what I was gonna send out to you after this meeting is, like, the usual review pack with the super information, the service guide with us. But I was just gonna send you out that new structure for the discounted fee. And, also, the only other thing to sign off on is we were gonna send you a tax file number opt in for. Because of all of the cybersecurity issues, we do need your consent because it's an important number to hold, and we don't wanna hold it in all of the digital systems anymore, just on one form if you're okay. Okay. Perfect. So I'm not sure if you've used our new system before, but you'll get an email in the next half an hour or so, and there'll be a little blue button to start the signing process. It'll bring open all seven documents, but there's only two of them to sign, and the rest of them, you can just hit next document to get through. Yeah. It's very similar to DocuSign. Perfect. I have updated everything on the file for the information you gave me today, which I do appreciate. And the next thing too is did you want me to put in for a bit of a catch up in the new year to see how everything's going, or would you prefer just to wait for the next annual review? So we normally do a bit of a catch up if you need it every three to six months if you wanna get to see how everything's going. Okay. And then if anything pops up, are you okay to call in and let us know if you need any help with anything? Perfect. Yeah. Yeah. When Oh, yep. Right. So there's two different caps. There is a so you're talking about what's called a concessional cap of it's 32,500 that can be tax deductible. But there's also a non concessional cap for people with lump sums, which can be up to a 130,000 per year, and you can also use up three years in one go. So, technically, you know, 390,000 for a non concessional. The only difference is you don't get a tax deduction for it, but you can contribute it. Yeah. And then you can have access to it after 60 and tax free and all that kind of thing. So if that ever happens, there's strategy that you can do. Yeah. Yeah. Correct. We're actually required by the government to do source of fund checks. So if someone just rocks up and says, I wanna put a million dollars into my super, we have to ask, well, where did you get it from? Was it from the sale of the property, lotto, or, you know, did you sell off a drug business in Cambodia? We have to ask those questions. Yeah. There's so far that we can do where there's systems that check a few things online, and there's sort of new laws that have come in this year for Yeah. Yeah. Absolutely. You're most welcome. I just appreciate that I was able to catch you to finish off the review, so thank you so much for your time this morning. And from here, you will get the you two different emails. One will be the review pack, and the other one will just be the beneficiary form. Yes. You can proportion it. It has to add up to a 100%, but you can give it to you just gotta take the relationship. So this one spouse, say, 50%, this one child, 50%, and then, you know, date of birth and things like that. But, again, any trouble at all, just give us a callback, and we can run you through it in about two minutes flat. So if he's under 18, I'm assuming, like, a a guardian would be appointed, but it's the same oh, he's 18 now. Okay. So he would not that I I wanna walk through the process, but you basically hand in your ID and the death certificate, and the super fund can verify both of those, and then it goes straight to him. It would probably be any kind of photo ID, so maybe even a license or something would probably work. Yeah. Yes. Yeah. Right. Yeah. So when you put in that that beneficiary form, might be a good idea just to explain to him that you've you know, how you've done the nomination. And if anything were to happen, he can always give Oakview a call if he needs any help. But also just that, you know, your I his ID plus the death certificate is what the main thing would be, but we do handle deceased estates as well. So we would even provide him with advice on what to do with it all and and sort of look after anything he requests of us. You are most welcome. Anything else I can help you with? Perfect. Well, you too. Have a great day. Keep an eye out for those emails, and I'll talk to you soon. That sounds perfect. You're amazing. Thank you so much for that. 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morning, It's Tommy here from. How you been? I'm doing fantastic. It's a bit of a overcast with Gailforce wins today. So What about your end?\n\nFreezing. Gotta have the heater on. Yeah. I've got some yeah. We've got it's it's so windy that I can hear the house shaking at the moment.\n\nI'm just giving you a call to finish off the the last couple of sections for your annual review. Perfect. So what I'll do is just because it has been a little while, I'll give you a quick recap, go through the last couple of items, and then I'll send you out a review pack afterwards, if that's okay? Perfect. Now just as always, are you okay for the call to be recorded?\n\nAmazing. And just for the security of your information, I'm registered with Aptive as Adviser 1273105. Could I please confirm your date of birth and address? Sensational. Thank you so much for that.\n\nNow just as a bit of a recap, so we had already discussed your your goals and your cash flow and everything, and you're basically focusing everything towards the renovations and holidays, a few long weekends, and we basically agreed to revisit extra contributions to super after the age of 60 when you can do a transition strategy. Does that ring a bell? Awesome. And, again, just that focus on the paying down the mortgage as well. Cool.\n\nNow when it comes to the super, we had flagged to keep an eye on one of the investments there. It's been growing very well. We will basically just gonna keep you in a growth risk profile for the time being and come back to that better long investment if it hasn't sort of picked up back towards the end of the year. Now when it comes to the estate planning side of things, I wasn't able to check before our call finished whether you would put in place, like, a will or a power of attorney. Yep.\n\nAnd yeah. So most of your assets would would pass on to your partner, but you haven't done, like, a formal written will with a lawyer or anything? Cool. My usual reminder is just most people think of will, but not many people consider powers of attorney where it's a bit easier for your partner to gain access to things like bank accounts, talk to doctors on your behalf for medical concern. It just skips having to go to the court for probate and things like that.\n\nPerfect. So I'll leave those as a note for the will and power of attorney, and I do need to send you out some forms to put in place the beneficiary nomination for you so far. Perfect. So would you like to nominate your partner for the super for the time being? And then yeah.\n\nNow the types of nominations, we normally recommend a legally binding one. I don't know why they offer the option for a nonbinding, which is the super fund discretion. Normally, legally binding is the safest. So we will send you out a form where we'll kind of tick the nomination type for you. And the other option that you've got is you can either have it as a non lapsing where it doesn't expire until you change it, or you can have it as a lapsing that expires every three years and kind of forces you to update it.\n\nWhat would be your preference? Yep. That's normally the way. So we call that a binding nonlacing, and I'll get that picked on the form. You do just have to get two people to witness the signature because it's a legal document, and they can't be the beneficiary themselves.\n\nYeah. And it doesn't even have to be JP's. It can be just two adults. Perfect. Would you like me to post that out with a return envelope, or would you prefer to print that out and and sign it with the the pen?\n\nYep. Easy done. We'll send you as long as it's signed with signature via pen, you should be okay to scan it back. Easy done. I'll get Michelle to send that out to you this week, and you should have that today or tomorrow.\n\nPerfect. We were talking about the refinance of the property, and I just wanted to quickly double check with you the mortgage value that you might have left over for that one. 400. And we did have it valued at 1,600,000. Do you know if that's much different when you went to the refinance?\n\n1.7¢, station. Thank you very much for that. Yeah. Okay. That wouldn't make too much of a difference for us if it's a little bit off.\n\nAlrighty. The last thing to go over is just in terms of the insurance side of things. I think some insurances were previously canceled, but there's no life disability, income protection, or trauma. I just wanted to ask if you wanted me to run any quotes this year for you. Correct.\n\nSo most of the personal insurances are for injury and illness that happens outside of work. But, again, based on age, they do get quite expensive in the fifties as well. So I just wanted to, yeah, run it by you. Do you want, like, a quote for any life insurance or anything like that? Or perfect.\n\nI guess just for compliance sake, I do need to ask that you understand the risk of not having insurances means you transfer the risk for those situations onto your personal finances. Perfect. So we will keep an eye on the portfolio. No insurances at the moment. I'll send you out the beneficiary forms for the super.\n\nAnd the the last thing I want to check with you just quickly was I had your updated income and occupation title, but do you have a set savings amount that you're you're putting aside regularly? Perfect. And is that like a set amount that you try and do each pay? Or Yeah. Perfect.\n\nNice and safe. Perfect. So there's a couple of steps removed, so it's not too easy. Amazing. Do you mind if I note down sorry.\n\nYou go for it. Yeah. Like, you've got to note down a specific reason and and bring in all the information. I'm late. And okay.\n\nThat makes more sense. Perfect. Yeah. Yeah. Gotcha.\n\nAnd with the the value that we had before for the mortgage being 400,000, how much would the offset account be sitting at above that? Perfect. So what I'll do is I'll put in the loan value at 440,000 and then minus off the 40,000 for the offset. Is that okay? Perfect.\n\nAlright. Is there any questions so far on any of the areas we've talked about? That's right. I've got you set. Age 65.\n\nWe're kind of aiming for, like, as much of the mortgage paid off and hopefully around 1,200 a week coming out tax free. Oh, it was like, you wouldn't believe I asked the same question to every client. My entire career, I've asked, would you retire as early as possible, or do you always need sort of something to do? And it is a straight fifty fifty split where half the country says, get me out of the right race tomorrow if I won the lotto, and the other half says, I wouldn't know what to do with myself. And so I just cross the retirement plan depending on those two answers.\n\nYeah. Yep. Yeah. Mhmm. Yeah.\n\nSo it almost gave you a bit of a taste of what retirement might look like if you had nothing to do. Yeah. Yep. I'm with you. Yeah.\n\nYeah. Absolutely. Yeah. Oh, wow. Oh my gosh.\n\nYes. Wow. That was the point. Yes. Yeah.\n\nI ended up buying my wife a a coffee machine when we had our third child, and she never looked back soon. Beautiful. Yeah. Yeah. Well, I grew up at a time where you could get a lolly from the corner store for 5¢, 10¢, 20 cents.\n\nAnd now it's all $2, $5, and I'm just like, wow. That's that's the inflation everyone's been talking about. No way. Yeah. Yeah.\n\nIt's getting to the point where you just won't do it anymore. Yeah. And you're good to go. Yeah. The the constant purchases or just trying to figure it out?\n\nYeah. Yeah. It all adds up. That's a family meal. Yeah.\n\nEven if you go to McDonald's these days, you can still spend $60.70 dollars easily. Yeah. Yeah. And just the one off once a week kind of thing. Yeah.\n\nOne of the things that'll be good for you is when you hit over the 60 is, like you said, you don't have to stop working, but at least you can access a little bit of the sliver to top you off if you wanted to do something a little bit, you know, a bit more part time or something. No. Right. So we'll say 65 maybe, but we'll see how you feel at the time. Yep.\n\nYeah. Roundabout 65, 67 if you need to wait for the age pension, But you guys will be pretty well, you know, self funded, so it should be okay. Yeah. Yeah. Perfect.\n\nOne thing I was gonna let you know as well, Wilbert, is we've had a bit of a change in our fee structure with OPU Financial. So, normally, last year, you would be under the standard kind of 1.65% fee through the super, but Debit and Bart have introduced a tiered fee structure. And what that basically means is for everybody above 300,000, there's discount supply between 200 and 500,000, which you qualify for, and then a further discount once you go above 500,000. So what I was gonna send out to you after this meeting is, like, the usual review pack with the super information, the service guide with us. But I was just gonna send you out that new structure for the discounted fee.\n\nAnd, also, the only other thing to sign off on is we were gonna send you a tax file number opt in for. Because of all of the cybersecurity issues, we do need your consent because it's an important number to hold, and we don't wanna hold it in all of the digital systems anymore, just on one form if you're okay. Okay. Perfect. So I'm not sure if you've used our new system before, but you'll get an email in the next half an hour or so, and there'll be a little blue button to start the signing process.\n\nIt'll bring open all seven documents, but there's only two of them to sign, and the rest of them, you can just hit next document to get through. Yeah. It's very similar to DocuSign. Perfect. I have updated everything on the file for the information you gave me today, which I do appreciate.\n\nAnd the next thing too is did you want me to put in for a bit of a catch up in the new year to see how everything's going, or would you prefer just to wait for the next annual review? So we normally do a bit of a catch up if you need it every three to six months if you wanna get to see how everything's going. Okay. And then if anything pops up, are you okay to call in and let us know if you need any help with anything? Perfect.\n\nYeah. Yeah. When Oh, yep. Right. So there's two different caps.\n\nThere is a so you're talking about what's called a concessional cap of it's 32,500 that can be tax deductible. But there's also a non concessional cap for people with lump sums, which can be up to a 130,000 per year, and you can also use up three years in one go. So, technically, you know, 390,000 for a non concessional. The only difference is you don't get a tax deduction for it, but you can contribute it. Yeah.\n\nAnd then you can have access to it after 60 and tax free and all that kind of thing. So if that ever happens, there's strategy that you can do. Yeah. Yeah. Correct.\n\nWe're actually required by the government to do source of fund checks. So if someone just rocks up and says, I wanna put a million dollars into my super, we have to ask, well, where did you get it from? Was it from the sale of the property, lotto, or, you know, did you sell off a drug business in Cambodia? We have to ask those questions. Yeah.\n\nThere's so far that we can do where there's systems that check a few things online, and there's sort of new laws that have come in this year for Yeah. Yeah. Absolutely. You're most welcome. I just appreciate that I was able to catch you to finish off the review, so thank you so much for your time this morning.\n\nAnd from here, you will get the you two different emails. One will be the review pack, and the other one will just be the beneficiary form. Yes. You can proportion it. It has to add up to a 100%, but you can give it to you just gotta take the relationship.\n\nSo this one spouse, say, 50%, this one child, 50%, and then, you know, date of birth and things like that. But, again, any trouble at all, just give us a callback, and we can run you through it in about two minutes flat. So if he's under 18, I'm assuming, like, a a guardian would be appointed, but it's the same oh, he's 18 now. Okay. So he would not that I I wanna walk through the process, but you basically hand in your ID and the death certificate, and the super fund can verify both of those, and then it goes straight to him.\n\nIt would probably be any kind of photo ID, so maybe even a license or something would probably work. Yeah. Yes. Yeah. Right.\n\nYeah. So when you put in that that beneficiary form, might be a good idea just to explain to him that you've you know, how you've done the nomination. And if anything were to happen, he can always give Oakview a call if he needs any help. But also just that, you know, your I his ID plus the death certificate is what the main thing would be, but we do handle deceased estates as well. So we would even provide him with advice on what to do with it all and and sort of look after anything he requests of us.\n\nYou are most welcome. Anything else I can help you with? Perfect. Well, you too. Have a great day.\n\nKeep an eye out for those emails, and I'll talk to you soon. That sounds perfect. You're amazing. Thank you so much for that. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, It's Tommy here from.","start":4.24,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.21380733946959177},{"text":"How you been?","start":6.3999996,"end":7.22,"sentiment":"neutral","sentiment_score":0.12850559006134668},{"text":"I'm doing fantastic.","start":9.5199995,"end":10.74,"sentiment":"positive","sentiment_score":0.7077600359916687},{"text":"It's a bit of a overcast with Gailforce wins today.","start":10.96,"end":14.32,"sentiment":"neutral","sentiment_score":0.11291519999504089},{"text":"So What about your end?","start":14.32,"end":16.465,"sentiment":"neutral","sentiment_score":-0.007233581878244877}],"sentiment":"neutral","sentiment_score":0.18091203724206598,"num_words":27,"start":4.24,"end":16.465},{"sentences":[{"text":"Freezing.","start":19.725,"end":20.205,"sentiment":"neutral","sentiment_score":-0.12446194887161256},{"text":"Gotta have the heater on.","start":20.205,"end":21.585,"sentiment":"neutral","sentiment_score":-0.11489029675722122},{"text":"Yeah.","start":26.94,"end":27.44,"sentiment":"neutral","sentiment_score":-0.03426605463027954},{"text":"I've got some yeah.","start":27.5,"end":30.300001,"sentiment":"neutral","sentiment_score":-0.06570442207157612},{"text":"We've got it's it's so windy that I can hear the house shaking at the moment.","start":30.300001,"end":34.08,"sentiment":"neutral","sentiment_score":-0.2179679600521922}],"sentiment":"neutral","sentiment_score":-0.16605498282997697,"num_words":27,"start":19.725,"end":34.08},{"sentences":[{"text":"I'm just giving you a call to finish off the the last couple of sections for your annual review.","start":38.985,"end":43.885002,"sentiment":"neutral","sentiment_score":0.010823744006062808},{"text":"Perfect.","start":46.105,"end":46.605,"sentiment":"neutral","sentiment_score":0.3001578450202942},{"text":"So what I'll do is just because it has been a little while, I'll give you a quick recap, go through the last couple of items, and then I'll send you out a review pack afterwards, if that's okay?","start":46.665,"end":56.69,"sentiment":"neutral","sentiment_score":0.1329448618567907},{"text":"Perfect.","start":59.47,"end":59.97,"sentiment":"neutral","sentiment_score":0.2818889617919922},{"text":"Now just as always, are you okay for the call to be recorded?","start":60.03,"end":62.85,"sentiment":"neutral","sentiment_score":0.06825950913704358}],"sentiment":"neutral","sentiment_score":0.09397152293320388,"num_words":73,"start":38.985,"end":62.85},{"sentences":[{"text":"Amazing.","start":65.55,"end":66.03,"sentiment":"positive","sentiment_score":0.4291453957557678},{"text":"And just for the security of your information, I'm registered with Aptive as Adviser 1273105.","start":66.03,"end":72.705,"sentiment":"neutral","sentiment_score":0.138890607158343},{"text":"Could I please confirm your date of birth and address?","start":72.765,"end":75.265,"sentiment":"neutral","sentiment_score":0.054115811735391615},{"text":"Sensational.","start":83.189995,"end":83.689995,"sentiment":"neutral","sentiment_score":0.1807107925415039},{"text":"Thank you so much for that.","start":83.909996,"end":85.369995,"sentiment":"positive","sentiment_score":0.6243945956230164}],"sentiment":"neutral","sentiment_score":0.2115376056595282,"num_words":33,"start":65.55,"end":85.369995},{"sentences":[{"text":"Now just as a bit of a recap, so we had already discussed your your goals and your cash flow and everything, and you're basically focusing everything towards the renovations and holidays, a few long weekends, and we basically agreed to revisit extra contributions to super after the age of 60 when you can do a transition strategy.","start":86.78999,"end":109.005005,"sentiment":"neutral","sentiment_score":0.11947966688152017},{"text":"Does that ring a bell?","start":109.005005,"end":110.065,"sentiment":"neutral","sentiment_score":0.056134500354528424},{"text":"Awesome.","start":112.205,"end":112.605,"sentiment":"positive","sentiment_score":0.4007323384284973},{"text":"And, again, just that focus on the paying down the mortgage as well.","start":112.605,"end":116.68,"sentiment":"neutral","sentiment_score":0.21834022150589869},{"text":"Cool.","start":118.58,"end":118.98,"sentiment":"neutral","sentiment_score":0.2296595573425293}],"sentiment":"neutral","sentiment_score":0.13691420456728873,"num_words":78,"start":86.78999,"end":118.98},{"sentences":[{"text":"Now when it comes to the super, we had flagged to keep an eye on one of the investments there.","start":118.98,"end":124.04,"sentiment":"neutral","sentiment_score":0.05249495143070817},{"text":"It's been growing very well.","start":124.340004,"end":125.96,"sentiment":"neutral","sentiment_score":0.1863436907529831},{"text":"We will basically just gonna keep you in a growth risk profile for the time being and come back to that better long investment if it hasn't sort of picked up back towards the end of the year.","start":126.1,"end":136.865,"sentiment":"neutral","sentiment_score":0.059541913827783184},{"text":"Now when it comes to the estate planning side of things, I wasn't able to check before our call finished whether you would put in place, like, a will or a power of attorney.","start":139.005,"end":151.82,"sentiment":"neutral","sentiment_score":-0.043221093659453536},{"text":"Yep.","start":159.8,"end":160.2,"sentiment":"neutral","sentiment_score":0.004429347347468138}],"sentiment":"neutral","sentiment_score":0.028358391538376406,"num_words":98,"start":118.98,"end":160.2},{"sentences":[{"text":"And yeah.","start":160.2,"end":166.21501,"sentiment":"neutral","sentiment_score":0.005267349071800709},{"text":"So most of your assets would would pass on to your partner, but you haven't done, like, a formal written will with a lawyer or anything?","start":166.21501,"end":173.755,"sentiment":"neutral","sentiment_score":0.009108314827944223},{"text":"Cool.","start":176.86,"end":177.36,"sentiment":"neutral","sentiment_score":-0.05668932572007179},{"text":"My usual reminder is just most people think of will, but not many people consider powers of attorney where it's a bit easier for your partner to gain access to things like bank accounts, talk to doctors on your behalf for medical concern.","start":177.5,"end":192.425,"sentiment":"neutral","sentiment_score":0.04178086417012437},{"text":"It just skips having to go to the court for probate and things like that.","start":193.205,"end":197.385,"sentiment":"neutral","sentiment_score":-0.02609493856628736}],"sentiment":"neutral","sentiment_score":0.018342696997369158,"num_words":87,"start":160.2,"end":197.385},{"sentences":[{"text":"Perfect.","start":201.365,"end":201.845,"sentiment":"positive","sentiment_score":0.5985702276229858},{"text":"So I'll leave those as a note for the will and power of attorney, and I do need to send you out some forms to put in place the beneficiary nomination for you so far.","start":201.845,"end":212.28,"sentiment":"positive","sentiment_score":0.4024704477616719},{"text":"Perfect.","start":221.795,"end":222.275,"sentiment":"positive","sentiment_score":0.5243808031082153},{"text":"So would you like to nominate your partner for the super for the time being?","start":222.275,"end":229.095,"sentiment":"neutral","sentiment_score":0.29674195051193236},{"text":"And then yeah.","start":229.315,"end":231.895,"sentiment":"neutral","sentiment_score":0.12343336641788483}],"sentiment":"positive","sentiment_score":0.36419720107858833,"num_words":55,"start":201.365,"end":231.895},{"sentences":[{"text":"Now the types of nominations, we normally recommend a legally binding one.","start":232.14,"end":237.28,"sentiment":"neutral","sentiment_score":0.027058367306987446},{"text":"I don't know why they offer the option for a nonbinding, which is the super fund discretion.","start":237.5,"end":242.4,"sentiment":"neutral","sentiment_score":-0.007484811522504862},{"text":"Normally, legally binding is the safest.","start":243.73999,"end":245.805,"sentiment":"neutral","sentiment_score":0.09157845253745715},{"text":"So we will send you out a form where we'll kind of tick the nomination type for you.","start":250.765,"end":256.145,"sentiment":"neutral","sentiment_score":0.13370372437768513},{"text":"And the other option that you've got is you can either have it as a non lapsing where it doesn't expire until you change it, or you can have it as a lapsing that expires every three years and kind of forces you to update it.","start":256.285,"end":271.47,"sentiment":"neutral","sentiment_score":0.051198505958461246}],"sentiment":"neutral","sentiment_score":0.055643713534480395,"num_words":99,"start":232.14,"end":271.47},{"sentences":[{"text":"What would be your preference?","start":271.61002,"end":272.83002,"sentiment":"neutral","sentiment_score":0.047325581312179565},{"text":"Yep.","start":278.04498,"end":278.525,"sentiment":"neutral","sentiment_score":0.09122586250305176},{"text":"That's normally the way.","start":278.525,"end":279.56497,"sentiment":"neutral","sentiment_score":0.13228249922394753},{"text":"So we call that a binding nonlacing, and I'll get that picked on the form.","start":279.56497,"end":284.465,"sentiment":"neutral","sentiment_score":0.118594691157341},{"text":"You do just have to get two people to witness the signature because it's a legal document, and they can't be the beneficiary themselves.","start":285.085,"end":293.86,"sentiment":"neutral","sentiment_score":-0.014103183872066438}],"sentiment":"neutral","sentiment_score":0.04688628000796449,"num_words":49,"start":271.61002,"end":293.86},{"sentences":[{"text":"Yeah.","start":299.91998,"end":300.16,"sentiment":"neutral","sentiment_score":0.037322498857975006},{"text":"And it doesn't even have to be JP's.","start":300.16,"end":301.84,"sentiment":"neutral","sentiment_score":-0.0028222278924658895},{"text":"It can be just two adults.","start":301.84,"end":303.525,"sentiment":"neutral","sentiment_score":0.012736390034357706},{"text":"Perfect.","start":306.645,"end":307.145,"sentiment":"positive","sentiment_score":0.49476996064186096},{"text":"Would you like me to post that out with a return envelope, or would you prefer to print that out and and sign it with the the pen?","start":308.565,"end":315.305,"sentiment":"neutral","sentiment_score":0.1417044246835368}],"sentiment":"neutral","sentiment_score":0.10349220153875649,"num_words":44,"start":299.91998,"end":315.305},{"sentences":[{"text":"Yep.","start":323.30002,"end":323.80002,"sentiment":"neutral","sentiment_score":0.1322861760854721},{"text":"Easy done.","start":323.94,"end":324.76,"sentiment":"neutral","sentiment_score":0.19544105231761932},{"text":"We'll send you as long as it's signed with signature via pen, you should be okay to scan it back.","start":325.14,"end":338.29498,"sentiment":"neutral","sentiment_score":0.07924028150737286},{"text":"Easy done.","start":341.94,"end":342.58002,"sentiment":"positive","sentiment_score":0.41132496297359467},{"text":"I'll get Michelle to send that out to you this week, and you should have that today or tomorrow.","start":342.58002,"end":347.24002,"sentiment":"positive","sentiment_score":0.358159529535394}],"sentiment":"neutral","sentiment_score":0.22126488404517825,"num_words":44,"start":323.30002,"end":347.24002},{"sentences":[{"text":"Perfect.","start":349.78,"end":350.28,"sentiment":"positive","sentiment_score":0.5511430501937866},{"text":"We were talking about the refinance of the property, and I just wanted to quickly double check with you the mortgage value that you might have left over for that one.","start":350.74002,"end":361.895,"sentiment":"neutral","sentiment_score":0.08828688857536163},{"text":"400.","start":366.435,"end":367.255,"sentiment":"neutral","sentiment_score":0.009021875448524952},{"text":"And we did have it valued at 1,600,000.","start":368.41,"end":371.21,"sentiment":"neutral","sentiment_score":0.007926159538328648},{"text":"Do you know if that's much different when you went to the refinance?","start":371.21,"end":374.03,"sentiment":"neutral","sentiment_score":-0.021623365939236604}],"sentiment":"neutral","sentiment_score":0.05702525908472361,"num_words":54,"start":349.78,"end":374.03},{"sentences":[{"text":"1.7¢, station.","start":376.88998,"end":378.65,"sentiment":"neutral","sentiment_score":0.19685912132263184},{"text":"Thank you very much for that.","start":378.65,"end":379.965,"sentiment":"positive","sentiment_score":0.37659508486588794},{"text":"Yeah.","start":385.005,"end":385.405,"sentiment":"neutral","sentiment_score":-0.07261307537555695},{"text":"Okay.","start":385.405,"end":385.905,"sentiment":"neutral","sentiment_score":-0.14393667876720428},{"text":"That wouldn't make too much of a difference for us if it's a little bit off.","start":385.965,"end":390.625,"sentiment":"neutral","sentiment_score":-0.2280161716043949}],"sentiment":"neutral","sentiment_score":-0.05633515477180481,"num_words":26,"start":376.88998,"end":390.625},{"sentences":[{"text":"Alrighty.","start":393.165,"end":393.665,"sentiment":"neutral","sentiment_score":-0.0699010118842125},{"text":"The last thing to go over is just in terms of the insurance side of things.","start":394.25,"end":398.83,"sentiment":"neutral","sentiment_score":-0.09567094407975674},{"text":"I think some insurances were previously canceled, but there's no life disability, income protection, or trauma.","start":399.37,"end":406.43,"sentiment":"neutral","sentiment_score":-0.1202153149060905},{"text":"I just wanted to ask if you wanted me to run any quotes this year for you.","start":406.795,"end":410.415,"sentiment":"neutral","sentiment_score":-0.013686048853046754},{"text":"Correct.","start":418.795,"end":419.295,"sentiment":"neutral","sentiment_score":-0.08067771792411804}],"sentiment":"neutral","sentiment_score":-0.07524356282517022,"num_words":51,"start":393.165,"end":419.295},{"sentences":[{"text":"So most of the personal insurances are for injury and illness that happens outside of work.","start":419.435,"end":425.18,"sentiment":"neutral","sentiment_score":-0.11333880433812737},{"text":"But, again, based on age, they do get quite expensive in the fifties as well.","start":425.4,"end":431.34,"sentiment":"neutral","sentiment_score":-0.17299988567829133},{"text":"So I just wanted to, yeah, run it by you.","start":431.63998,"end":434.19998,"sentiment":"neutral","sentiment_score":0.18972359281033277},{"text":"Do you want, like, a quote for any life insurance or anything like that?","start":434.19998,"end":437.4,"sentiment":"neutral","sentiment_score":0.09019420774919647},{"text":"Or perfect.","start":437.4,"end":441.26498,"sentiment":"neutral","sentiment_score":-0.0000517871230840683}],"sentiment":"neutral","sentiment_score":-0.021904699863833293,"num_words":57,"start":419.435,"end":441.26498},{"sentences":[{"text":"I guess just for compliance sake, I do need to ask that you understand the risk of not having insurances means you transfer the risk for those situations onto your personal finances.","start":441.645,"end":451.76,"sentiment":"neutral","sentiment_score":-0.0942019468639046},{"text":"Perfect.","start":455.42,"end":455.92,"sentiment":"positive","sentiment_score":0.6223819255828857},{"text":"So we will keep an eye on the portfolio.","start":456.14,"end":459.44,"sentiment":"neutral","sentiment_score":0.29318130181895363},{"text":"No insurances at the moment.","start":459.98,"end":461.34,"sentiment":"neutral","sentiment_score":-0.023658772557973863},{"text":"I'll send you out the beneficiary forms for the super.","start":461.34,"end":464.0,"sentiment":"neutral","sentiment_score":0.1347097359597683}],"sentiment":"neutral","sentiment_score":0.02588341823011114,"num_words":57,"start":441.645,"end":464.0},{"sentences":[{"text":"And the the last thing I want to check with you just quickly was I had your updated income and occupation title, but do you have a set savings amount that you're you're putting aside regularly?","start":465.345,"end":478.64502,"sentiment":"neutral","sentiment_score":0.08008506055921316},{"text":"Perfect.","start":484.71,"end":485.19,"sentiment":"positive","sentiment_score":0.4380854368209839},{"text":"And is that like a set amount that you try and do each pay?","start":485.19,"end":487.99,"sentiment":"neutral","sentiment_score":0.17970227875879832},{"text":"Or Yeah.","start":487.99,"end":498.835,"sentiment":"neutral","sentiment_score":0.06819263659417629},{"text":"Perfect.","start":513.48,"end":513.98,"sentiment":"positive","sentiment_score":0.5757229328155518}],"sentiment":"neutral","sentiment_score":0.12127940232555072,"num_words":54,"start":465.345,"end":513.98},{"sentences":[{"text":"Nice and safe.","start":514.36,"end":515.34,"sentiment":"positive","sentiment_score":0.5922228892644247},{"text":"Perfect.","start":532.395,"end":532.795,"sentiment":"positive","sentiment_score":0.5041475892066956},{"text":"So there's a couple of steps removed, so it's not too easy.","start":532.795,"end":535.5,"sentiment":"neutral","sentiment_score":0.2399156354367733},{"text":"Amazing.","start":545.42,"end":545.92,"sentiment":"positive","sentiment_score":0.5374262928962708},{"text":"Do you mind if I note down sorry.","start":546.14,"end":549.82,"sentiment":"neutral","sentiment_score":0.015168508514761925}],"sentiment":"neutral","sentiment_score":0.2327431297302246,"num_words":25,"start":514.36,"end":549.82},{"sentences":[{"text":"You go for it.","start":549.82,"end":550.575,"sentiment":"neutral","sentiment_score":0.01095240656286478},{"text":"Yeah.","start":575.73505,"end":575.97504,"sentiment":"neutral","sentiment_score":0.013193326070904732},{"text":"Like, you've got to note down a specific reason and and bring in all the information.","start":575.97504,"end":579.835,"sentiment":"neutral","sentiment_score":0.04122103308327496},{"text":"I'm late.","start":583.49506,"end":584.155,"sentiment":"neutral","sentiment_score":0.012326963245868683},{"text":"And okay.","start":592.47,"end":593.35,"sentiment":"neutral","sentiment_score":0.11939064785838127}],"sentiment":"neutral","sentiment_score":0.039198988154530524,"num_words":25,"start":549.82,"end":593.35},{"sentences":[{"text":"That makes more sense.","start":593.35,"end":594.38995,"sentiment":"neutral","sentiment_score":0.0773193184286356},{"text":"Perfect.","start":594.38995,"end":594.88995,"sentiment":"neutral","sentiment_score":-0.0020645437762141228},{"text":"Yeah.","start":607.365,"end":607.865,"sentiment":"neutral","sentiment_score":0.064348965883255},{"text":"Yeah.","start":608.005,"end":608.505,"sentiment":"neutral","sentiment_score":0.06876976788043976},{"text":"Gotcha.","start":618.42,"end":618.92,"sentiment":"neutral","sentiment_score":0.04420161992311478}],"sentiment":"neutral","sentiment_score":0.060566635453142226,"num_words":8,"start":593.35,"end":618.92},{"sentences":[{"text":"And with the the value that we had before for the mortgage being 400,000, how much would the offset account be sitting at above that?","start":619.22003,"end":629.84503,"sentiment":"neutral","sentiment_score":0.036810857392847535},{"text":"Perfect.","start":637.905,"end":638.37,"sentiment":"positive","sentiment_score":0.49667441844940186},{"text":"So what I'll do is I'll put in the loan value at 440,000 and then minus off the 40,000 for the offset.","start":642.29,"end":650.45,"sentiment":"neutral","sentiment_score":0.1923503242433071},{"text":"Is that okay?","start":650.45,"end":651.135,"sentiment":"neutral","sentiment_score":0.2246727148691813},{"text":"Perfect.","start":654.09503,"end":654.59503,"sentiment":"positive","sentiment_score":0.4827849864959717}],"sentiment":"neutral","sentiment_score":0.13087415611013198,"num_words":52,"start":619.22003,"end":654.59503},{"sentences":[{"text":"Alright.","start":654.895,"end":655.395,"sentiment":"neutral","sentiment_score":0.24595630168914795},{"text":"Is there any questions so far on any of the areas we've talked about?","start":656.255,"end":660.755,"sentiment":"neutral","sentiment_score":0.12107850504773003},{"text":"That's right.","start":672.43005,"end":672.99005,"sentiment":"neutral","sentiment_score":0.07559444196522236},{"text":"I've got you set.","start":672.99005,"end":673.87,"sentiment":"neutral","sentiment_score":0.12043744698166847},{"text":"Age 65.","start":673.87,"end":674.99005,"sentiment":"neutral","sentiment_score":0.0352009441703558}],"sentiment":"neutral","sentiment_score":0.11497373619805211,"num_words":23,"start":654.895,"end":674.99005},{"sentences":[{"text":"We're kind of aiming for, like, as much of the mortgage paid off and hopefully around 1,200 a week coming out tax free.","start":674.99005,"end":683.255,"sentiment":"neutral","sentiment_score":0.09749335374521173},{"text":"Oh, it was like, you wouldn't believe I asked the same question to every client.","start":700.61005,"end":704.385,"sentiment":"neutral","sentiment_score":-0.18009189168612164},{"text":"My entire career, I've asked, would you retire as early as possible, or do you always need sort of something to do?","start":704.78503,"end":711.985,"sentiment":"neutral","sentiment_score":-0.12542702426964586},{"text":"And it is a straight fifty fifty split where half the country says, get me out of the right race tomorrow if I won the lotto, and the other half says, I wouldn't know what to do with myself.","start":711.985,"end":720.5,"sentiment":"neutral","sentiment_score":-0.19720458353941256},{"text":"And so I just cross the retirement plan depending on those two answers.","start":720.72003,"end":724.34,"sentiment":"neutral","sentiment_score":-0.07559938212999931}],"sentiment":"neutral","sentiment_score":-0.10618032588224326,"num_words":112,"start":674.99005,"end":724.34},{"sentences":[{"text":"Yeah.","start":733.12,"end":733.485,"sentiment":"neutral","sentiment_score":-0.08723744004964828},{"text":"Yep.","start":749.98,"end":750.48,"sentiment":"neutral","sentiment_score":-0.038712289184331894},{"text":"Yeah.","start":760.94,"end":761.325,"sentiment":"neutral","sentiment_score":-0.06956326961517334},{"text":"Mhmm.","start":784.38,"end":784.88,"sentiment":"neutral","sentiment_score":0.1050470843911171},{"text":"Yeah.","start":801.135,"end":801.51,"sentiment":"neutral","sentiment_score":0.16355857253074646}],"sentiment":"neutral","sentiment_score":0.014618531614542008,"num_words":5,"start":733.12,"end":801.51},{"sentences":[{"text":"So it almost gave you a bit of a taste of what retirement might look like if you had nothing to do.","start":806.31,"end":811.37,"sentiment":"neutral","sentiment_score":0.05782637897540222},{"text":"Yeah.","start":829.04504,"end":829.5,"sentiment":"neutral","sentiment_score":0.013979118317365646},{"text":"Yep.","start":836.86,"end":837.36,"sentiment":"neutral","sentiment_score":0.031786948442459106},{"text":"I'm with you.","start":837.42,"end":838.4,"sentiment":"neutral","sentiment_score":0.02260334851841132},{"text":"Yeah.","start":852.555,"end":853.055,"sentiment":"neutral","sentiment_score":-0.24419310688972473}],"sentiment":"neutral","sentiment_score":0.04077011938872082,"num_words":28,"start":806.31,"end":853.055},{"sentences":[{"text":"Yeah.","start":862.58,"end":863.08,"sentiment":"neutral","sentiment_score":-0.2612125277519226},{"text":"Absolutely.","start":863.38,"end":863.88,"sentiment":"neutral","sentiment_score":-0.30105194449424744},{"text":"Yeah.","start":877.265,"end":877.66504,"sentiment":"neutral","sentiment_score":0.0024422891438007355},{"text":"Oh, wow.","start":877.66504,"end":878.405,"sentiment":"neutral","sentiment_score":0.05714402534067631},{"text":"Oh my gosh.","start":890.2,"end":891.26,"sentiment":"neutral","sentiment_score":0.06617626796166103}],"sentiment":"neutral","sentiment_score":-0.030875666067004204,"num_words":8,"start":862.58,"end":891.26},{"sentences":[{"text":"Yes.","start":908.545,"end":909.045,"sentiment":"neutral","sentiment_score":0.024933140724897385},{"text":"Wow.","start":918.62,"end":919.02,"sentiment":"neutral","sentiment_score":0.05430369451642037},{"text":"That was the point.","start":919.02,"end":920.08,"sentiment":"neutral","sentiment_score":0.00872765388339758},{"text":"Yes.","start":924.62,"end":924.945,"sentiment":"neutral","sentiment_score":0.06783634424209595},{"text":"Yeah.","start":928.78503,"end":929.28503,"sentiment":"neutral","sentiment_score":0.08125150203704834}],"sentiment":"neutral","sentiment_score":0.032904412131756544,"num_words":8,"start":908.545,"end":929.28503},{"sentences":[{"text":"I ended up buying my wife a a coffee machine when we had our third child, and she never looked back soon.","start":929.505,"end":935.685,"sentiment":"neutral","sentiment_score":0.06020405837758021},{"text":"Beautiful.","start":939.825,"end":940.325,"sentiment":"positive","sentiment_score":0.6463004350662231},{"text":"Yeah.","start":961.59503,"end":962.09503,"sentiment":"neutral","sentiment_score":-0.06263221055269241},{"text":"Yeah.","start":968.55,"end":968.87,"sentiment":"neutral","sentiment_score":-0.009710322134196758},{"text":"Well, I grew up at a time where you could get a lolly from the corner store for 5¢, 10¢, 20 cents.","start":968.87,"end":974.73004,"sentiment":"neutral","sentiment_score":0.07781927641481161}],"sentiment":"neutral","sentiment_score":0.07677406033294068,"num_words":47,"start":929.505,"end":974.73004},{"sentences":[{"text":"And now it's all $2, $5, and I'm just like, wow.","start":975.91003,"end":979.03,"sentiment":"neutral","sentiment_score":0.032213023948398506},{"text":"That's that's the inflation everyone's been talking about.","start":979.03,"end":981.91504,"sentiment":"neutral","sentiment_score":-0.016331310151144862},{"text":"No way.","start":991.495,"end":992.23505,"sentiment":"neutral","sentiment_score":-0.0695030502974987},{"text":"Yeah.","start":999.48,"end":999.98,"sentiment":"neutral","sentiment_score":0.014956802129745483},{"text":"Yeah.","start":1036.245,"end":1036.5651,"sentiment":"neutral","sentiment_score":0.0084886709228158}],"sentiment":"neutral","sentiment_score":0.004701398029599501,"num_words":23,"start":975.91003,"end":1036.5651},{"sentences":[{"text":"It's getting to the point where you just won't do it anymore.","start":1036.5651,"end":1039.7051,"sentiment":"neutral","sentiment_score":-0.0865367587878912},{"text":"Yeah.","start":1052.53,"end":1052.85,"sentiment":"positive","sentiment_score":0.3762314319610596},{"text":"And you're good to go.","start":1052.85,"end":1053.99,"sentiment":"positive","sentiment_score":0.4425080955028534},{"text":"Yeah.","start":1064.545,"end":1065.045,"sentiment":"neutral","sentiment_score":0.01667890138924122},{"text":"The the constant purchases or just trying to figure it out?","start":1070.94,"end":1074.5599,"sentiment":"neutral","sentiment_score":-0.11612072112885388}],"sentiment":"neutral","sentiment_score":0.009656059099749351,"num_words":30,"start":1036.5651,"end":1074.5599},{"sentences":[{"text":"Yeah.","start":1082.7949,"end":1083.2949,"sentiment":"neutral","sentiment_score":-0.010313532315194609},{"text":"Yeah.","start":1094.715,"end":1094.955,"sentiment":"neutral","sentiment_score":0.00276703666895628},{"text":"It all adds up.","start":1094.955,"end":1096.095,"sentiment":"neutral","sentiment_score":-0.0015282412059605122},{"text":"That's a family meal.","start":1097.89,"end":1109.89,"sentiment":"neutral","sentiment_score":0.11082630697637796},{"text":"Yeah.","start":1109.89,"end":1110.39,"sentiment":"neutral","sentiment_score":0.18493810296058655}],"sentiment":"neutral","sentiment_score":0.055871260945092545,"num_words":11,"start":1082.7949,"end":1110.39},{"sentences":[{"text":"Even if you go to McDonald's these days, you can still spend $60.70 dollars easily.","start":1111.745,"end":1115.605,"sentiment":"neutral","sentiment_score":0.2871328373750051},{"text":"Yeah.","start":1121.505,"end":1122.005,"sentiment":"neutral","sentiment_score":0.09656254947185516},{"text":"Yeah.","start":1141.215,"end":1141.535,"sentiment":"neutral","sentiment_score":0.10063217580318452},{"text":"And just the one off once a week kind of thing.","start":1141.535,"end":1144.515,"sentiment":"neutral","sentiment_score":0.09197273139249194},{"text":"Yeah.","start":1149.055,"end":1149.45,"sentiment":"neutral","sentiment_score":0.20169076323509216}],"sentiment":"neutral","sentiment_score":0.1971578653259524,"num_words":29,"start":1111.745,"end":1149.45},{"sentences":[{"text":"One of the things that'll be good for you is when you hit over the 60 is, like you said, you don't have to stop working, but at least you can access a little bit of the sliver to top you off if you wanted to do something a little bit, you know, a bit more part time or something.","start":1149.69,"end":1165.4149,"sentiment":"neutral","sentiment_score":0.19372377389421067},{"text":"No.","start":1169.715,"end":1170.215,"sentiment":"negative","sentiment_score":-0.3500620126724243},{"text":"Right.","start":1177.235,"end":1177.5549,"sentiment":"neutral","sentiment_score":0.04527020081877709},{"text":"So we'll say 65 maybe, but we'll see how you feel at the time.","start":1177.5549,"end":1182.63,"sentiment":"neutral","sentiment_score":0.05751184161220278},{"text":"Yep.","start":1185.01,"end":1185.51,"sentiment":"neutral","sentiment_score":0.10386499017477036}],"sentiment":"neutral","sentiment_score":0.1588008492798,"num_words":77,"start":1149.69,"end":1185.51},{"sentences":[{"text":"Yeah.","start":1190.45,"end":1190.77,"sentiment":"neutral","sentiment_score":0.07326832413673401},{"text":"Roundabout 65, 67 if you need to wait for the age pension, But you guys will be pretty well, you know, self funded, so it should be okay.","start":1190.77,"end":1199.245,"sentiment":"neutral","sentiment_score":0.18570132886192628},{"text":"Yeah.","start":1207.145,"end":1207.5,"sentiment":"positive","sentiment_score":0.407244086265564},{"text":"Yeah.","start":1213.42,"end":1213.92,"sentiment":"neutral","sentiment_score":0.12752310931682587},{"text":"Perfect.","start":1215.34,"end":1215.84,"sentiment":"positive","sentiment_score":0.6489781737327576}],"sentiment":"neutral","sentiment_score":0.2017703406745568,"num_words":32,"start":1190.45,"end":1215.84},{"sentences":[{"text":"One thing I was gonna let you know as well, Wilbert, is we've had a bit of a change in our fee structure with OPU Financial.","start":1218.06,"end":1227.275,"sentiment":"neutral","sentiment_score":0.07246757921977685},{"text":"So, normally, last year, you would be under the standard kind of 1.65% fee through the super, but Debit and Bart have introduced a tiered fee structure.","start":1230.295,"end":1243.4801,"sentiment":"neutral","sentiment_score":0.031560095441010266},{"text":"And what that basically means is for everybody above 300,000, there's discount supply between 200 and 500,000, which you qualify for, and then a further discount once you go above 500,000.","start":1244.1001,"end":1259.895,"sentiment":"neutral","sentiment_score":0.05127938578446065},{"text":"So what I was gonna send out to you after this meeting is, like, the usual review pack with the super information, the service guide with us.","start":1263.235,"end":1273.87,"sentiment":"neutral","sentiment_score":0.0940514651161653},{"text":"But I was just gonna send you out that new structure for the discounted fee.","start":1274.41,"end":1278.105,"sentiment":"neutral","sentiment_score":0.09066011061271032}],"sentiment":"neutral","sentiment_score":0.06527961756561011,"num_words":126,"start":1218.06,"end":1278.105},{"sentences":[{"text":"And, also, the only other thing to sign off on is we were gonna send you a tax file number opt in for.","start":1281.785,"end":1290.365,"sentiment":"neutral","sentiment_score":0.05568894209421199},{"text":"Because of all of the cybersecurity issues, we do need your consent because it's an important number to hold, and we don't wanna hold it in all of the digital systems anymore, just on one form if you're okay.","start":1290.74,"end":1302.795,"sentiment":"neutral","sentiment_score":-0.018504118642363794},{"text":"Okay.","start":1305.995,"end":1306.495,"sentiment":"neutral","sentiment_score":0.07707332074642181},{"text":"Perfect.","start":1309.1951,"end":1309.675,"sentiment":"neutral","sentiment_score":0.29773420095443726},{"text":"So I'm not sure if you've used our new system before, but you'll get an email in the next half an hour or so, and there'll be a little blue button to start the signing process.","start":1309.675,"end":1320.58,"sentiment":"neutral","sentiment_score":0.030852127509812515}],"sentiment":"neutral","sentiment_score":0.020446691531687974,"num_words":100,"start":1281.785,"end":1320.58},{"sentences":[{"text":"It'll bring open all seven documents, but there's only two of them to sign, and the rest of them, you can just hit next document to get through.","start":1320.96,"end":1329.54,"sentiment":"neutral","sentiment_score":0.034810098387034874},{"text":"Yeah.","start":1334.325,"end":1334.645,"sentiment":"neutral","sentiment_score":0.08298304677009583},{"text":"It's very similar to DocuSign.","start":1334.645,"end":1336.505,"sentiment":"neutral","sentiment_score":0.07767704129219055},{"text":"Perfect.","start":1340.5651,"end":1341.0651,"sentiment":"positive","sentiment_score":0.7124073505401611},{"text":"I have updated everything on the file for the information you gave me today, which I do appreciate.","start":1342.325,"end":1348.2999,"sentiment":"positive","sentiment_score":0.5788914561271667}],"sentiment":"neutral","sentiment_score":0.2373302748848526,"num_words":53,"start":1320.96,"end":1348.2999},{"sentences":[{"text":"And the next thing too is did you want me to put in for a bit of a catch up in the new year to see how everything's going, or would you prefer just to wait for the next annual review?","start":1351.48,"end":1361.975,"sentiment":"neutral","sentiment_score":0.014666854278979504},{"text":"So we normally do a bit of a catch up if you need it every three to six months if you wanna get to see how everything's going.","start":1366.275,"end":1372.9349,"sentiment":"neutral","sentiment_score":0.0747498903822686},{"text":"Okay.","start":1377.97,"end":1378.45,"sentiment":"neutral","sentiment_score":0.30882394313812256},{"text":"And then if anything pops up, are you okay to call in and let us know if you need any help with anything?","start":1378.45,"end":1382.71,"sentiment":"neutral","sentiment_score":0.1917358367987301},{"text":"Perfect.","start":1385.81,"end":1386.31,"sentiment":"positive","sentiment_score":0.35272639989852905}],"sentiment":"neutral","sentiment_score":0.08261502708030984,"num_words":94,"start":1351.48,"end":1386.31},{"sentences":[{"text":"Yeah.","start":1388.13,"end":1388.625,"sentiment":"neutral","sentiment_score":0.14814721047878265},{"text":"Yeah.","start":1401.025,"end":1401.345,"sentiment":"neutral","sentiment_score":-0.02210775576531887},{"text":"When Oh, yep.","start":1401.345,"end":1418.735,"sentiment":"neutral","sentiment_score":-0.090528537829717},{"text":"Right.","start":1427.8351,"end":1428.3351,"sentiment":"neutral","sentiment_score":-0.06714335829019547},{"text":"So there's two different caps.","start":1466.375,"end":1469.195,"sentiment":"neutral","sentiment_score":-0.09385896027088166}],"sentiment":"neutral","sentiment_score":-0.061998574401844635,"num_words":11,"start":1388.13,"end":1469.195},{"sentences":[{"text":"There is a so you're talking about what's called a concessional cap of it's 32,500 that can be tax deductible.","start":1472.375,"end":1482.48,"sentiment":"neutral","sentiment_score":0.010054427746217698},{"text":"But there's also a non concessional cap for people with lump sums, which can be up to a 130,000 per year, and you can also use up three years in one go.","start":1485.02,"end":1496.665,"sentiment":"neutral","sentiment_score":0.10205462400335819},{"text":"So, technically, you know, 390,000 for a non concessional.","start":1496.665,"end":1501.5651,"sentiment":"neutral","sentiment_score":0.10241017738978068},{"text":"The only difference is you don't get a tax deduction for it, but you can contribute it.","start":1501.865,"end":1509.1099,"sentiment":"neutral","sentiment_score":0.06998661511084613},{"text":"Yeah.","start":1512.0499,"end":1512.5499,"sentiment":"neutral","sentiment_score":0.1785731017589569}],"sentiment":"neutral","sentiment_score":0.07287181871117954,"num_words":79,"start":1472.375,"end":1512.5499},{"sentences":[{"text":"And then you can have access to it after 60 and tax free and all that kind of thing.","start":1512.69,"end":1517.4551,"sentiment":"neutral","sentiment_score":0.19062118742026782},{"text":"So if that ever happens, there's strategy that you can do.","start":1517.915,"end":1521.6951,"sentiment":"neutral","sentiment_score":0.026154804636131634},{"text":"Yeah.","start":1524.555,"end":1525.055,"sentiment":"neutral","sentiment_score":-0.02415238879621029},{"text":"Yeah.","start":1533.8501,"end":1534.17,"sentiment":"neutral","sentiment_score":-0.01855001598596573},{"text":"Correct.","start":1534.17,"end":1534.65,"sentiment":"neutral","sentiment_score":-0.00020476896315813065}],"sentiment":"neutral","sentiment_score":0.11716964358294552,"num_words":33,"start":1512.69,"end":1534.65},{"sentences":[{"text":"We're actually required by the government to do source of fund checks.","start":1534.65,"end":1540.25,"sentiment":"neutral","sentiment_score":-0.024119325447827578},{"text":"So if someone just rocks up and says, I wanna put a million dollars into my super, we have to ask, well, where did you get it from?","start":1540.25,"end":1546.295,"sentiment":"neutral","sentiment_score":-0.04567676197205271},{"text":"Was it from the sale of the property, lotto, or, you know, did you sell off a drug business in Cambodia?","start":1546.295,"end":1552.395,"sentiment":"neutral","sentiment_score":-0.054002884509308},{"text":"We have to ask those questions.","start":1553.175,"end":1554.635,"sentiment":"neutral","sentiment_score":-0.04203709587454796},{"text":"Yeah.","start":1561.98,"end":1562.2999,"sentiment":"neutral","sentiment_score":0.0006247702986001968}],"sentiment":"neutral","sentiment_score":-0.04344175912111121,"num_words":68,"start":1534.65,"end":1562.2999},{"sentences":[{"text":"There's so far that we can do where there's systems that check a few things online, and there's sort of new laws that have come in this year for Yeah.","start":1562.2999,"end":1574.895,"sentiment":"neutral","sentiment_score":0.016445861337706445},{"text":"Yeah.","start":1582.155,"end":1582.655,"sentiment":"neutral","sentiment_score":0.0322810634970665},{"text":"Absolutely.","start":1589.93,"end":1590.43,"sentiment":"neutral","sentiment_score":0.28289514780044556},{"text":"You're most welcome.","start":1597.745,"end":1598.305,"sentiment":"positive","sentiment_score":0.5687459111213684},{"text":"I just appreciate that I was able to catch you to finish off the review, so thank you so much for your time this morning.","start":1598.305,"end":1603.765,"sentiment":"positive","sentiment_score":0.5942129516601562}],"sentiment":"neutral","sentiment_score":0.2895018929382786,"num_words":60,"start":1562.2999,"end":1603.765},{"sentences":[{"text":"And from here, you will get the you two different emails.","start":1607.105,"end":1612.165,"sentiment":"neutral","sentiment_score":0.10144387862899086},{"text":"One will be the review pack, and the other one will just be the beneficiary form.","start":1614.18,"end":1620.52,"sentiment":"neutral","sentiment_score":0.11088095372542739},{"text":"Yes.","start":1628.395,"end":1628.715,"sentiment":"neutral","sentiment_score":0.09320040047168732},{"text":"You can proportion it.","start":1628.715,"end":1630.155,"sentiment":"neutral","sentiment_score":0.10216165706515312},{"text":"It has to add up to a 100%, but you can give it to you just gotta take the relationship.","start":1630.155,"end":1634.895,"sentiment":"neutral","sentiment_score":0.13531215190887452}],"sentiment":"neutral","sentiment_score":0.11727053829683708,"num_words":52,"start":1607.105,"end":1634.895},{"sentences":[{"text":"So this one spouse, say, 50%, this one child, 50%, and then, you know, date of birth and things like that.","start":1635.035,"end":1645.1799,"sentiment":"neutral","sentiment_score":0.0857153811625072},{"text":"But, again, any trouble at all, just give us a callback, and we can run you through it in about two minutes flat.","start":1646.2799,"end":1651.1799,"sentiment":"neutral","sentiment_score":0.18308286401240723},{"text":"So if he's under 18, I'm assuming, like, a a guardian would be appointed, but it's the same oh, he's 18 now.","start":1665.335,"end":1676.75,"sentiment":"neutral","sentiment_score":0.004514752739024433},{"text":"Okay.","start":1679.77,"end":1680.25,"sentiment":"neutral","sentiment_score":0.024866584688425064},{"text":"So he would not that I I wanna walk through the process, but you basically hand in your ID and the death certificate, and the super fund can verify both of those, and then it goes straight to him.","start":1680.25,"end":1692.5751,"sentiment":"neutral","sentiment_score":0.03336629371803541}],"sentiment":"neutral","sentiment_score":0.07015476864762604,"num_words":106,"start":1635.035,"end":1692.5751},{"sentences":[{"text":"It would probably be any kind of photo ID, so maybe even a license or something would probably work.","start":1700.25,"end":1705.39,"sentiment":"neutral","sentiment_score":0.01877606547388591},{"text":"Yeah.","start":1710.5701,"end":1710.945,"sentiment":"neutral","sentiment_score":0.033930957317352295},{"text":"Yes.","start":1721.4249,"end":1721.9249,"sentiment":"neutral","sentiment_score":-0.002392548136413098},{"text":"Yeah.","start":1736.7001,"end":1737.2001,"sentiment":"neutral","sentiment_score":-0.01231684722006321},{"text":"Right.","start":1756.01,"end":1756.51,"sentiment":"neutral","sentiment_score":0.004703382030129433}],"sentiment":"neutral","sentiment_score":0.01655087773890599,"num_words":23,"start":1700.25,"end":1756.51},{"sentences":[{"text":"Yeah.","start":1760.5701,"end":1760.89,"sentiment":"neutral","sentiment_score":0.028240017592906952},{"text":"So when you put in that that beneficiary form, might be a good idea just to explain to him that you've you know, how you've done the nomination.","start":1760.89,"end":1768.755,"sentiment":"neutral","sentiment_score":0.054578157141804695},{"text":"And if anything were to happen, he can always give Oakview a call if he needs any help.","start":1769.135,"end":1774.275,"sentiment":"neutral","sentiment_score":0.07174385173453225},{"text":"But also just that, you know, your I his ID plus the death certificate is what the main thing would be, but we do handle deceased estates as well.","start":1776.415,"end":1786.7999,"sentiment":"neutral","sentiment_score":0.0054004504505930275},{"text":"So we would even provide him with advice on what to do with it all and and sort of look after anything he requests of us.","start":1791.02,"end":1798.595,"sentiment":"neutral","sentiment_score":0.20382848066779283}],"sentiment":"neutral","sentiment_score":0.08141148342367481,"num_words":102,"start":1760.5701,"end":1798.595},{"sentences":[{"text":"You are most welcome.","start":1803.775,"end":1804.975,"sentiment":"positive","sentiment_score":0.5257864445447922},{"text":"Anything else I can help you with?","start":1804.975,"end":1806.33,"sentiment":"neutral","sentiment_score":0.31843788283211844},{"text":"Perfect.","start":1810.33,"end":1810.8099,"sentiment":"neutral","sentiment_score":0.27356261014938354},{"text":"Well, you too.","start":1810.8099,"end":1812.33,"sentiment":"positive","sentiment_score":0.42537611722946167},{"text":"Have a great day.","start":1812.33,"end":1813.13,"sentiment":"positive","sentiment_score":0.7366632372140884}],"sentiment":"positive","sentiment_score":0.4646607825630589,"num_words":19,"start":1803.775,"end":1813.13},{"sentences":[{"text":"Keep an eye out for those emails, and I'll talk to you soon.","start":1813.13,"end":1816.19,"sentiment":"neutral","sentiment_score":0.23604564368724823},{"text":"That sounds perfect.","start":1825.5449,"end":1826.765,"sentiment":"positive","sentiment_score":0.4821785092353821},{"text":"You're amazing.","start":1829.3569,"end":1830.0769,"sentiment":"positive","sentiment_score":0.8362621068954468},{"text":"Thank you so much for that.","start":1830.0769,"end":1831.4569,"sentiment":"positive","sentiment_score":0.8023999432722727},{"text":"Bye.","start":1833.917,"end":1834.417,"sentiment":"neutral","sentiment_score":0.28044992685317993}],"sentiment":"positive","sentiment_score":0.4513001078367233,"num_words":25,"start":1813.13,"end":1834.417}]}}]},{"alternatives":[{"transcript":"Hello? Good. How are you? Oh, shit. It's freezing in Sydney. It was windy last week. Last Saturday, I on. Yes. Yeah. Sure. Not a problem. Yes. All good. 10677 Saint Mary Street, West Toxton 2171. You are. Yep. Yep. Yes. It does. Yep. Correct. Sure. I believe it would go to my husband next. Is that the normal, like, by law? That's how I see it. Yep. No. Not really. Yep. Oh, no. That doesn't concern me. Oh, yes, please. That'll be great because if anything happens to me and my husband, I'd like it to go to my son. Yes, please. Yes. Right. Right. Okay. What do I do there? Okay. Something that I don't have to constantly update. Okay. Can okay. I can get a I've got a JP friend. They want okay. Yep. That'll be fine. Oh, just send me via email. I can always print it out. Can I scan it or send it back or does it have to be original? I Yep. Alright then. I'll prefer that way then. Excellent. Mhmm. 400. It's 1.7 now. That's alright. That was last year. No. It's really Yep. Yes. What happens if there's an injury at work? That would get under work. Yep. Oh, no. No. Nothing like that. No. That's alright. Yeah. We do. It's in an offset account. We only spend what we need to spend, and everything else goes into the another account that you can't actually even if I lost my phone or my key card, no one can go into that account. Because Webex does that and you can create five different accounts inside that account. And no one can touch it because you need to actually transfer money out from that account into your normal everyday account. Yes. So you can't actually access it without going into the account itself. That's even going in but if I lost my key card and phone, the only way I can go and access is actually go into the branch and take all my ID, like driver's license or and then only Westpac will transfer out of that account. But they'll only do it on, like, desperate measures, if you know what I mean. Yes. Correct. So everything goes into the and I just transfer what I need on a weekly or daily basis. But I just if I need money for petrol, which is about $60 a week, and there's only $20 in there, I'll transfer out $60 for petrol. But I won't keep more than 20 or $30 in there because I know that I can always transfer money over. Yep. Probably about 40,000 at the moment. Yes. Yep. Yes. No. Not at the moment. I don't plan on retiring until I'm 65. Yep. Yes. Correct. Only reason for that is because I don't know what I'll do when I sit at home. It's hard when you worked all your life, and then all of a sudden you're retired. Yeah. Because okay. I'll tell you what happened during COVID. I didn't have a job for ten months. So when I looked back and saw what I did, it was just a repeated thing every day. I dropped Ethan off at school because he was in u six back then. In 2020 yeah. Part of 2020 and part of 2021 was that ten months that I was off work. And I'll drop him off at school then I'd go to the gym. I'd then go to the grocery store, whatever, and just grab what we need to cook. So I'd cook every day because I was home. And then in the afternoon, sometimes hubby and I would go for a walk depending on the weather. So that was my day. That was my daily thing every day except the weekend. We'd go out, like because Ethan was young, we try and take him out as much as possible instead of just sitting at home every weekend. Now he's 18. It did actually, and that was the case that I've got out of it. It's different when you're working and you wanna have time off because you've been working for so long and you need a break. But after that break, it sort of unwinds you and refreshes you. And then after two, you really wanna get back to work because you've got nothing to do. And that's why and plus, when we look at everything around us and the cost has just gone up significantly, like, it's not funny. And I don't know how we're gonna sustain it down the track because it's just not sustainable. You know, like, people are already crashing out because of it. So we know both. We used to go for coffee all the time because back then it was, like, $3 for a small coffee, and that was really cheap. But now you're looking at $6. I mean, if you do an extra shot, an iced coffee in Sydney is $9.50 now. That's an iced coffee. I need it all over when they told me. And you know what? I didn't have a choice because she already made it. And I put an extra shot in there thinking I'll just pay, alright, $7 the most. As she goes, it was $9.50. And I just had to buy it. And you know what? After that, I never bought it again. Because a jar of coffee in the Kona is what? $26? Can you imagine how many I can make out of it? Yep. Thirty weeks. We have one too. And that's what we do on the weekend. We just occasionally go out for a coffee with friends because it's different. It's a catch up. But realistically, even lunch, a sandwich, a just a salad and cheese sandwich is already $8 something. And I can't I just can't comprehend it at all. I make my own lunch. Yes. Same. Yes. Yep. Yep. Yep. In 2006, a salad sandwich with cheese was between 4 and $5. And we're in the office every day. So $5, it didn't bother me, $20. You know, I didn't really care. It's just $20 a week. There were times when I did take my lunch in more than what I bought a sandwich. I rather I just bought a sandwich during summer. It was just nice and refreshing to eat. But these days oh my god. Like, the stores out here are those they sell all these prepaid, pre made sandwiches. Like, they're selling a chicken sandwich for $8. Chicken and mayo for 8. You don't. And I can buy a whole chicken for $10 and just chop it up and add mayo and shallot and whatever in it and just have it for the next couple of days for lunch. This is this is where people are starting to look and see their budget and everything and how much everything costs. I don't know how the young generation do it. The constant purchases. Like, it's like $13 now, $14 for a, you know, those loath long sandwiches? Yeah. They're about $13. I don't know how they do it. A kebab is 15 dollars, and it does add up. Exactly. Look. You think of a family. Yep. That's like what? Almost a $100 for four kebabs with drink. And that yes. Yes. It's really expensive. So, yeah, we just we just eat at home. Today, we're going out for steak. But tomorrow, we're cooking at home, Saturday, Sunday. Mostly from Saturday to Thursday or Wednesday, we cook at home. One of one or two nights where we eat out. Sometimes no. Yes. But I'm not gonna do that. Because when you're working, you've got that full time income. That's a lot. That's plenty. That's plenty. And plus? Definitely 65. Definitely. That's the retirement age for a woman, isn't it? Yep. Exactly. Plus we've got hubby's super as well. So combined with that, I think we should be fine. We should be fine. Yep. Right. Mhmm. Fine. Yep. Right. Yes. Yes. That's fine. Yep. Yep. Yep. That's fine. Whatever needs to be done, that's fine. All good. Right. Yes. Yes. Okay. That's the digitally signed one. Oh, okay. Oh, good. Excellent. Yep. What's the cash out? Oh, I cash out. Oh, okay. Yep. I'm happy to wait a year. Oh, definitely. I just wanted to ask a question. We won the lotto, and I had an extra 200,000 sitting around. Am I able to put it in the super? Or is that a or a no no? You know how why I'm asking because a lot of people were doing, like, just criminal activity and throwing the money into this super. Nothing. They and then the New South Wales super and all that just changed everything. And they turned around and said that you can only put up to $30,000 a year in your super. That's the New South Wales law. Now it's gone to 32,000. Because you know how every year or every couple of these inflation and all that, you know, with the economy and everything, so they bumped it up a little bit. That's what I wanted to ask because they're saying you can only put 32,000 a year now into your super. You can't put more than that. But I don't know how it works. Yeah. Like, every year. Yes. That's yeah. Oh, good. So I can put it in a super. Yeah. Yep. You can. Because it's not from an illegal thing. It's from a legal thing, like the lotto. It's like yeah. I just want You have to Yep. Yep. Yep. But you would investigate and find out anyway. Yes. Yes. Yes. Yes. Okay. Thank you. It's just that sometimes people don't want that extra cash lying around. They'd rather put it towards their super. You know what? It's more beneficial using it when you retire. So anyway, thank you. It was good chatting to you. That's good. Thank you. Yes. Yes. Right. Oh, yep. That's easy. And on the beneficiary, I can put Ethan's name too. Yep. Yep. Yep. Okay then. Excellent. Okay. What happens if Van and I pass away? How does Ethan access it? That beneficiary will yep. He's 18. He's 18 now. It's that okay. Yep. Yep. Right. So do you need to show his passport and his birth certificate as well? Right. Because we're going to talk to him about it because I believe it's very important that he knows that because things like this can happen anytime to anybody. And kids usually don't know. They're not told because my parents told me when I was 19 that if anything happens to them and this is how they because they put everything under a lawyer as well. And, yeah, I had a what you call it a that beneficiary thing made up. So didn't need it, which is good, but they did it because I was the only child. And so Ethan's the only child as well. So yep. Yes. Yes. Yes. I Yes. Oh, good. Excellent. Thank you. Fantastic. Yes. That would be important. Yes. Okay. Thank you for that. That's all. Thank you. Have a good day. Yep. I will. Excellent. And I'll get the other documents signed from someone at work and the JP. And then I'll scan it and send it back to you next week. Thank you. Thanks. Bye. 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Good. How are you? Oh, shit. It's freezing in Sydney.\n\nIt was windy last week. Last Saturday, I on. Yes. Yeah. Sure.\n\nNot a problem. Yes. All good. 10677 Saint Mary Street, West Toxton 2171. You are.\n\nYep. Yep. Yes. It does. Yep.\n\nCorrect. Sure. I believe it would go to my husband next. Is that the normal, like, by law? That's how I see it.\n\nYep. No. Not really. Yep. Oh, no.\n\nThat doesn't concern me. Oh, yes, please. That'll be great because if anything happens to me and my husband, I'd like it to go to my son. Yes, please. Yes.\n\nRight. Right. Okay. What do I do there? Okay.\n\nSomething that I don't have to constantly update. Okay. Can okay. I can get a I've got a JP friend. They want okay.\n\nYep. That'll be fine. Oh, just send me via email. I can always print it out. Can I scan it or send it back or does it have to be original?\n\nI Yep. Alright then. I'll prefer that way then. Excellent. Mhmm.\n\n400. It's 1.7 now. That's alright. That was last year. No.\n\nIt's really Yep. Yes. What happens if there's an injury at work? That would get under work. Yep.\n\nOh, no. No. Nothing like that. No. That's alright.\n\nYeah. We do. It's in an offset account. We only spend what we need to spend, and everything else goes into the another account that you can't actually even if I lost my phone or my key card, no one can go into that account. Because Webex does that and you can create five different accounts inside that account.\n\nAnd no one can touch it because you need to actually transfer money out from that account into your normal everyday account. Yes. So you can't actually access it without going into the account itself. That's even going in but if I lost my key card and phone, the only way I can go and access is actually go into the branch and take all my ID, like driver's license or and then only Westpac will transfer out of that account. But they'll only do it on, like, desperate measures, if you know what I mean.\n\nYes. Correct. So everything goes into the and I just transfer what I need on a weekly or daily basis. But I just if I need money for petrol, which is about $60 a week, and there's only $20 in there, I'll transfer out $60 for petrol. But I won't keep more than 20 or $30 in there because I know that I can always transfer money over.\n\nYep. Probably about 40,000 at the moment. Yes. Yep. Yes.\n\nNo. Not at the moment. I don't plan on retiring until I'm 65. Yep. Yes.\n\nCorrect. Only reason for that is because I don't know what I'll do when I sit at home. It's hard when you worked all your life, and then all of a sudden you're retired. Yeah. Because okay.\n\nI'll tell you what happened during COVID. I didn't have a job for ten months. So when I looked back and saw what I did, it was just a repeated thing every day. I dropped Ethan off at school because he was in u six back then. In 2020 yeah.\n\nPart of 2020 and part of 2021 was that ten months that I was off work. And I'll drop him off at school then I'd go to the gym. I'd then go to the grocery store, whatever, and just grab what we need to cook. So I'd cook every day because I was home. And then in the afternoon, sometimes hubby and I would go for a walk depending on the weather.\n\nSo that was my day. That was my daily thing every day except the weekend. We'd go out, like because Ethan was young, we try and take him out as much as possible instead of just sitting at home every weekend. Now he's 18. It did actually, and that was the case that I've got out of it.\n\nIt's different when you're working and you wanna have time off because you've been working for so long and you need a break. But after that break, it sort of unwinds you and refreshes you. And then after two, you really wanna get back to work because you've got nothing to do. And that's why and plus, when we look at everything around us and the cost has just gone up significantly, like, it's not funny. And I don't know how we're gonna sustain it down the track because it's just not sustainable.\n\nYou know, like, people are already crashing out because of it. So we know both. We used to go for coffee all the time because back then it was, like, $3 for a small coffee, and that was really cheap. But now you're looking at $6. I mean, if you do an extra shot, an iced coffee in Sydney is $9.50 now.\n\nThat's an iced coffee. I need it all over when they told me. And you know what? I didn't have a choice because she already made it. And I put an extra shot in there thinking I'll just pay, alright, $7 the most.\n\nAs she goes, it was $9.50. And I just had to buy it. And you know what? After that, I never bought it again. Because a jar of coffee in the Kona is what?\n\n$26? Can you imagine how many I can make out of it? Yep. Thirty weeks. We have one too.\n\nAnd that's what we do on the weekend. We just occasionally go out for a coffee with friends because it's different. It's a catch up. But realistically, even lunch, a sandwich, a just a salad and cheese sandwich is already $8 something. And I can't I just can't comprehend it at all.\n\nI make my own lunch. Yes. Same. Yes. Yep.\n\nYep. Yep. In 2006, a salad sandwich with cheese was between 4 and $5. And we're in the office every day. So $5, it didn't bother me, $20.\n\nYou know, I didn't really care. It's just $20 a week. There were times when I did take my lunch in more than what I bought a sandwich. I rather I just bought a sandwich during summer. It was just nice and refreshing to eat.\n\nBut these days oh my god. Like, the stores out here are those they sell all these prepaid, pre made sandwiches. Like, they're selling a chicken sandwich for $8. Chicken and mayo for 8. You don't.\n\nAnd I can buy a whole chicken for $10 and just chop it up and add mayo and shallot and whatever in it and just have it for the next couple of days for lunch. This is this is where people are starting to look and see their budget and everything and how much everything costs. I don't know how the young generation do it. The constant purchases. Like, it's like $13 now, $14 for a, you know, those loath long sandwiches?\n\nYeah. They're about $13. I don't know how they do it. A kebab is 15 dollars, and it does add up. Exactly.\n\nLook. You think of a family. Yep. That's like what? Almost a $100 for four kebabs with drink.\n\nAnd that yes. Yes. It's really expensive. So, yeah, we just we just eat at home. Today, we're going out for steak.\n\nBut tomorrow, we're cooking at home, Saturday, Sunday. Mostly from Saturday to Thursday or Wednesday, we cook at home. One of one or two nights where we eat out. Sometimes no. Yes.\n\nBut I'm not gonna do that. Because when you're working, you've got that full time income. That's a lot. That's plenty. That's plenty.\n\nAnd plus? Definitely 65. Definitely. That's the retirement age for a woman, isn't it? Yep.\n\nExactly. Plus we've got hubby's super as well. So combined with that, I think we should be fine. We should be fine. Yep.\n\nRight. Mhmm. Fine. Yep. Right.\n\nYes. Yes. That's fine. Yep. Yep.\n\nYep. That's fine. Whatever needs to be done, that's fine. All good. Right.\n\nYes. Yes. Okay. That's the digitally signed one. Oh, okay.\n\nOh, good. Excellent. Yep. What's the cash out? Oh, I cash out.\n\nOh, okay. Yep. I'm happy to wait a year. Oh, definitely. I just wanted to ask a question.\n\nWe won the lotto, and I had an extra 200,000 sitting around. Am I able to put it in the super? Or is that a or a no no? You know how why I'm asking because a lot of people were doing, like, just criminal activity and throwing the money into this super. Nothing.\n\nThey and then the New South Wales super and all that just changed everything. And they turned around and said that you can only put up to $30,000 a year in your super. That's the New South Wales law. Now it's gone to 32,000. Because you know how every year or every couple of these inflation and all that, you know, with the economy and everything, so they bumped it up a little bit.\n\nThat's what I wanted to ask because they're saying you can only put 32,000 a year now into your super. You can't put more than that. But I don't know how it works. Yeah. Like, every year.\n\nYes. That's yeah. Oh, good. So I can put it in a super. Yeah.\n\nYep. You can. Because it's not from an illegal thing. It's from a legal thing, like the lotto. It's like yeah.\n\nI just want You have to Yep. Yep. Yep. But you would investigate and find out anyway. Yes.\n\nYes. Yes. Yes. Okay. Thank you.\n\nIt's just that sometimes people don't want that extra cash lying around. They'd rather put it towards their super. You know what? It's more beneficial using it when you retire. So anyway, thank you.\n\nIt was good chatting to you. That's good. Thank you. Yes. Yes.\n\nRight. Oh, yep. That's easy. And on the beneficiary, I can put Ethan's name too. Yep.\n\nYep. Yep. Okay then. Excellent. Okay.\n\nWhat happens if Van and I pass away? How does Ethan access it? That beneficiary will yep. He's 18. He's 18 now.\n\nIt's that okay. Yep. Yep. Right. So do you need to show his passport and his birth certificate as well?\n\nRight. Because we're going to talk to him about it because I believe it's very important that he knows that because things like this can happen anytime to anybody. And kids usually don't know. They're not told because my parents told me when I was 19 that if anything happens to them and this is how they because they put everything under a lawyer as well. And, yeah, I had a what you call it a that beneficiary thing made up.\n\nSo didn't need it, which is good, but they did it because I was the only child. And so Ethan's the only child as well. So yep. Yes. Yes.\n\nYes. I Yes. Oh, good. Excellent. Thank you.\n\nFantastic. Yes. That would be important. Yes. Okay.\n\nThank you for that. That's all. Thank you. Have a good day. Yep.\n\nI will. Excellent. And I'll get the other documents signed from someone at work and the JP. And then I'll scan it and send it back to you next week. Thank you.\n\nThanks. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.030857961624860764},{"text":"Good.","start":6.8799996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.3012737035751343},{"text":"How are you?","start":8.0,"end":8.9,"sentiment":"neutral","sentiment_score":0.2353884627421697},{"text":"Oh, shit.","start":15.5199995,"end":17.235,"sentiment":"neutral","sentiment_score":-0.14349349960684776},{"text":"It's freezing in Sydney.","start":17.235,"end":18.895,"sentiment":"neutral","sentiment_score":-0.2297346442937851}],"sentiment":"neutral","sentiment_score":-0.015238956632939253,"num_words":11,"start":2.6399999,"end":18.895},{"sentences":[{"text":"It was windy last week.","start":23.515,"end":25.375,"sentiment":"neutral","sentiment_score":-0.13004909902811052},{"text":"Last Saturday, I on.","start":26.955,"end":28.895,"sentiment":"neutral","sentiment_score":-0.057966108433902264},{"text":"Yes.","start":44.53,"end":45.015,"sentiment":"neutral","sentiment_score":0.09139415621757507},{"text":"Yeah.","start":56.855,"end":57.254997,"sentiment":"neutral","sentiment_score":0.05232680216431618},{"text":"Sure.","start":57.254997,"end":57.655,"sentiment":"neutral","sentiment_score":0.0703098401427269}],"sentiment":"neutral","sentiment_score":-0.05567326086262862,"num_words":12,"start":23.515,"end":57.655},{"sentences":[{"text":"Not a problem.","start":57.655,"end":58.475,"sentiment":"neutral","sentiment_score":0.1543501317501068},{"text":"Yes.","start":63.25,"end":63.75,"sentiment":"neutral","sentiment_score":0.0965992659330368},{"text":"All good.","start":63.969997,"end":64.79,"sentiment":"neutral","sentiment_score":0.2917781174182892},{"text":"10677 Saint Mary Street, West Toxton 2171.","start":76.205,"end":82.225,"sentiment":"neutral","sentiment_score":0.02765028564525502},{"text":"You are.","start":85.325,"end":86.065,"sentiment":"positive","sentiment_score":0.47610124945640564}],"sentiment":"neutral","sentiment_score":0.15259735962996882,"num_words":15,"start":57.655,"end":86.065},{"sentences":[{"text":"Yep.","start":93.479996,"end":93.979996,"sentiment":"neutral","sentiment_score":0.0969977006316185},{"text":"Yep.","start":107.604996,"end":108.104996,"sentiment":"neutral","sentiment_score":0.06381972134113312},{"text":"Yes.","start":110.645,"end":110.885,"sentiment":"neutral","sentiment_score":0.11685511469841003},{"text":"It does.","start":110.885,"end":111.625,"sentiment":"neutral","sentiment_score":0.183072991669178},{"text":"Yep.","start":117.125,"end":117.42,"sentiment":"neutral","sentiment_score":0.1263083517551422}],"sentiment":"neutral","sentiment_score":0.1283544786274433,"num_words":6,"start":93.479996,"end":117.42},{"sentences":[{"text":"Correct.","start":117.58,"end":118.08,"sentiment":"neutral","sentiment_score":0.19840338826179504},{"text":"Sure.","start":137.47499,"end":137.97499,"sentiment":"neutral","sentiment_score":-0.006371151190251112},{"text":"I believe it would go to my husband next.","start":155.33,"end":158.625,"sentiment":"neutral","sentiment_score":-0.01758298257158862},{"text":"Is that the normal, like, by law?","start":159.585,"end":164.005,"sentiment":"neutral","sentiment_score":0.0001874733716249466},{"text":"That's how I see it.","start":165.425,"end":167.445,"sentiment":"neutral","sentiment_score":0.015571453049778939}],"sentiment":"neutral","sentiment_score":0.004911085772935463,"num_words":23,"start":117.58,"end":167.445},{"sentences":[{"text":"Yep.","start":170.305,"end":170.67,"sentiment":"neutral","sentiment_score":0.02217794209718704},{"text":"No.","start":174.34999,"end":174.67,"sentiment":"neutral","sentiment_score":-0.11467864364385603},{"text":"Not really.","start":174.67,"end":175.48999,"sentiment":"neutral","sentiment_score":-0.13958075642585754},{"text":"Yep.","start":181.55,"end":182.05,"sentiment":"neutral","sentiment_score":0.0054779015481472015},{"text":"Oh, no.","start":197.935,"end":198.655,"sentiment":"neutral","sentiment_score":0.10396816208958626}],"sentiment":"neutral","sentiment_score":-0.02260685552443777,"num_words":7,"start":170.305,"end":198.655},{"sentences":[{"text":"That doesn't concern me.","start":198.655,"end":200.275,"sentiment":"neutral","sentiment_score":0.10688705183565617},{"text":"Oh, yes, please.","start":212.83,"end":213.87001,"sentiment":"positive","sentiment_score":0.3448310395081838},{"text":"That'll be great because if anything happens to me and my husband, I'd like it to go to my son.","start":213.87001,"end":219.665,"sentiment":"positive","sentiment_score":0.6004426211118699},{"text":"Yes, please.","start":229.805,"end":230.61,"sentiment":"neutral","sentiment_score":0.1521625965833664},{"text":"Yes.","start":232.21,"end":232.71,"sentiment":"neutral","sentiment_score":0.06096609681844711}],"sentiment":"positive","sentiment_score":0.4612061679363251,"num_words":30,"start":198.655,"end":232.71},{"sentences":[{"text":"Right.","start":240.85,"end":241.35,"sentiment":"neutral","sentiment_score":0.02162993513047695},{"text":"Right.","start":247.385,"end":247.625,"sentiment":"neutral","sentiment_score":0.07530687749385834},{"text":"Okay.","start":247.625,"end":248.125,"sentiment":"neutral","sentiment_score":0.07300439476966858},{"text":"What do I do there?","start":248.58499,"end":249.885,"sentiment":"neutral","sentiment_score":0.061252395063638686},{"text":"Okay.","start":256.345,"end":256.845,"sentiment":"neutral","sentiment_score":0.08297011256217957}],"sentiment":"neutral","sentiment_score":0.06213036614159743,"num_words":9,"start":240.85,"end":256.845},{"sentences":[{"text":"Something that I don't have to constantly update.","start":274.165,"end":276.275,"sentiment":"neutral","sentiment_score":-0.08886374905705452},{"text":"Okay.","start":294.91,"end":295.31,"sentiment":"neutral","sentiment_score":0.03967924416065216},{"text":"Can okay.","start":295.31,"end":296.19,"sentiment":"neutral","sentiment_score":0.06747912056744099},{"text":"I can get a I've got a JP friend.","start":296.19,"end":298.53,"sentiment":"neutral","sentiment_score":0.07410127504004373},{"text":"They want okay.","start":300.83,"end":304.83,"sentiment":"neutral","sentiment_score":0.019769768541057903}],"sentiment":"neutral","sentiment_score":0.008258620600985445,"num_words":23,"start":274.165,"end":304.83},{"sentences":[{"text":"Yep.","start":304.83,"end":305.33,"sentiment":"neutral","sentiment_score":0.17106090486049652},{"text":"That'll be fine.","start":306.64502,"end":307.545,"sentiment":"positive","sentiment_score":0.44192466139793396},{"text":"Oh, just send me via email.","start":318.50998,"end":320.83,"sentiment":"neutral","sentiment_score":0.06529751730461915},{"text":"I can always print it out.","start":320.83,"end":322.53,"sentiment":"neutral","sentiment_score":0.09536711250742276},{"text":"Can I scan it or send it back or does it have to be original?","start":324.50998,"end":328.61,"sentiment":"neutral","sentiment_score":0.06429349631071091}],"sentiment":"neutral","sentiment_score":0.11049113266410367,"num_words":31,"start":304.83,"end":328.61},{"sentences":[{"text":"I Yep.","start":328.75,"end":337.04498,"sentiment":"neutral","sentiment_score":0.0878797359764576},{"text":"Alright then.","start":338.705,"end":339.425,"sentiment":"neutral","sentiment_score":0.1492609679698944},{"text":"I'll prefer that way then.","start":339.425,"end":341.125,"sentiment":"neutral","sentiment_score":0.20609627962112426},{"text":"Excellent.","start":347.82,"end":348.32,"sentiment":"positive","sentiment_score":0.5956515669822693},{"text":"Mhmm.","start":354.38,"end":354.88,"sentiment":"neutral","sentiment_score":0.08491028845310211}],"sentiment":"neutral","sentiment_score":0.19866587831215424,"num_words":11,"start":328.75,"end":354.88},{"sentences":[{"text":"400.","start":361.545,"end":364.605,"sentiment":"neutral","sentiment_score":0.007821008563041687},{"text":"It's 1.7 now.","start":374.105,"end":376.045,"sentiment":"neutral","sentiment_score":-0.0013744651805609465},{"text":"That's alright.","start":380.31998,"end":381.12,"sentiment":"neutral","sentiment_score":0.04683260014280677},{"text":"That was last year.","start":381.12,"end":383.46,"sentiment":"neutral","sentiment_score":-0.03172664111480117},{"text":"No.","start":388.24,"end":388.63998,"sentiment":"neutral","sentiment_score":-0.1999340057373047}],"sentiment":"neutral","sentiment_score":-0.02086161426268518,"num_words":11,"start":361.545,"end":388.63998},{"sentences":[{"text":"It's really Yep.","start":388.63998,"end":391.53998,"sentiment":"neutral","sentiment_score":-0.2605311448375384},{"text":"Yes.","start":399.275,"end":399.775,"sentiment":"neutral","sentiment_score":-0.07380754500627518},{"text":"What happens if there's an injury at work?","start":412.47,"end":414.81,"sentiment":"neutral","sentiment_score":-0.10863453336060047},{"text":"That would get under work.","start":415.83002,"end":417.13,"sentiment":"neutral","sentiment_score":-0.11002047657966614},{"text":"Yep.","start":431.695,"end":432.195,"sentiment":"neutral","sentiment_score":-0.05731534585356712}],"sentiment":"neutral","sentiment_score":-0.12954972084197733,"num_words":18,"start":388.63998,"end":432.195},{"sentences":[{"text":"Oh, no.","start":437.49,"end":438.05,"sentiment":"neutral","sentiment_score":-0.09377531334757805},{"text":"No.","start":438.05,"end":438.29,"sentiment":"neutral","sentiment_score":-0.21791169047355652},{"text":"Nothing like that.","start":438.29,"end":439.33,"sentiment":"neutral","sentiment_score":-0.2965260644753774},{"text":"No.","start":439.33,"end":439.83,"sentiment":"neutral","sentiment_score":-0.22967663407325745},{"text":"That's alright.","start":453.325,"end":454.14502,"sentiment":"neutral","sentiment_score":0.15980791673064232}],"sentiment":"neutral","sentiment_score":-0.1339001456896464,"num_words":9,"start":437.49,"end":454.14502},{"sentences":[{"text":"Yeah.","start":480.645,"end":480.805,"sentiment":"neutral","sentiment_score":0.06115613505244255},{"text":"We do.","start":480.805,"end":481.605,"sentiment":"neutral","sentiment_score":0.07570578157901764},{"text":"It's in an offset account.","start":481.605,"end":483.225,"sentiment":"neutral","sentiment_score":0.10583899915218353},{"text":"We only spend what we need to spend, and everything else goes into the another account that you can't actually even if I lost my phone or my key card, no one can go into that account.","start":492.245,"end":511.525,"sentiment":"neutral","sentiment_score":-0.06290926663456736},{"text":"Because Webex does that and you can create five different accounts inside that account.","start":514.545,"end":521.25995,"sentiment":"positive","sentiment_score":0.41304860157626017}],"sentiment":"neutral","sentiment_score":0.07113220763661093,"num_words":59,"start":480.645,"end":521.25995},{"sentences":[{"text":"And no one can touch it because you need to actually transfer money out from that account into your normal everyday account.","start":521.95996,"end":530.86,"sentiment":"neutral","sentiment_score":0.284286652776328},{"text":"Yes.","start":536.405,"end":536.885,"sentiment":"neutral","sentiment_score":0.147874116897583},{"text":"So you can't actually access it without going into the account itself.","start":536.885,"end":543.305,"sentiment":"neutral","sentiment_score":0.12896470290919146},{"text":"That's even going in but if I lost my key card and phone, the only way I can go and access is actually go into the branch and take all my ID, like driver's license or and then only Westpac will transfer out of that account.","start":545.44,"end":568.065,"sentiment":"neutral","sentiment_score":-0.0442475172812524},{"text":"But they'll only do it on, like, desperate measures, if you know what I mean.","start":568.285,"end":574.625,"sentiment":"neutral","sentiment_score":-0.1756010780731837}],"sentiment":"neutral","sentiment_score":0.034170364029705524,"num_words":96,"start":521.95996,"end":574.625},{"sentences":[{"text":"Yes.","start":580.62,"end":581.1,"sentiment":"neutral","sentiment_score":0.0986018180847168},{"text":"Correct.","start":581.1,"end":581.6,"sentiment":"neutral","sentiment_score":0.13083620369434357},{"text":"So everything goes into the and I just transfer what I need on a weekly or daily basis.","start":582.38,"end":590.56,"sentiment":"neutral","sentiment_score":0.10188298403388923},{"text":"But I just if I need money for petrol, which is about $60 a week, and there's only $20 in there, I'll transfer out $60 for petrol.","start":593.79504,"end":605.655,"sentiment":"neutral","sentiment_score":0.02785976179358032},{"text":"But I won't keep more than 20 or $30 in there because I know that I can always transfer money over.","start":609.15,"end":616.77,"sentiment":"neutral","sentiment_score":0.003991926709810893}],"sentiment":"neutral","sentiment_score":0.04263787887826124,"num_words":68,"start":580.62,"end":616.77},{"sentences":[{"text":"Yep.","start":625.035,"end":625.535,"sentiment":"neutral","sentiment_score":0.04525923728942871},{"text":"Probably about 40,000 at the 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65.","start":665.74,"end":669.04,"sentiment":"neutral","sentiment_score":-0.24593714997172356},{"text":"Yep.","start":678.89496,"end":679.39496,"sentiment":"neutral","sentiment_score":0.0860455259680748},{"text":"Yes.","start":683.935,"end":684.435,"sentiment":"neutral","sentiment_score":0.08739325404167175}],"sentiment":"neutral","sentiment_score":-0.19276688943306605,"num_words":15,"start":662.14,"end":684.435},{"sentences":[{"text":"Correct.","start":684.495,"end":684.995,"sentiment":"neutral","sentiment_score":0.07992279529571533},{"text":"Only reason for that is because I don't know what I'll do when I sit at home.","start":687.05005,"end":692.19,"sentiment":"neutral","sentiment_score":-0.1847708234015633},{"text":"It's hard when you worked all your life, and then all of a sudden you're 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then in the afternoon, sometimes hubby and I would go for a walk depending on the weather.","start":776.34,"end":782.92004,"sentiment":"neutral","sentiment_score":0.18538538614908853}],"sentiment":"neutral","sentiment_score":0.14154922584485677,"num_words":72,"start":754.22003,"end":782.92004},{"sentences":[{"text":"So that was my day.","start":783.54004,"end":785.08,"sentiment":"neutral","sentiment_score":0.14322633147239686},{"text":"That was my daily thing every day except the weekend.","start":787.095,"end":791.435,"sentiment":"neutral","sentiment_score":0.14237443655729293},{"text":"We'd go out, like because Ethan was young, we try and take him out as much as possible instead of just sitting at home every weekend.","start":792.21497,"end":804.22003,"sentiment":"neutral","sentiment_score":0.19623781912601912},{"text":"Now he's 18.","start":805.8,"end":806.94,"sentiment":"neutral","sentiment_score":0.11756611118714015},{"text":"It did actually, and that was the case that I've got 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funny.","start":839.97003,"end":852.995,"sentiment":"neutral","sentiment_score":-0.21768877344826856},{"text":"And I don't know how we're gonna sustain it down the track because it's just not sustainable.","start":853.055,"end":859.73,"sentiment":"negative","sentiment_score":-0.40624258448095885}],"sentiment":"neutral","sentiment_score":-0.1255871920285606,"num_words":93,"start":815.585,"end":859.73},{"sentences":[{"text":"You know, like, people are already crashing out because of it.","start":862.11,"end":866.37,"sentiment":"negative","sentiment_score":-0.41597232628952374},{"text":"So we know both.","start":868.19,"end":869.915,"sentiment":"neutral","sentiment_score":-0.14097128249704838},{"text":"We used to go for coffee all the time because back then it was, like, $3 for a small coffee, and that was really cheap.","start":870.215,"end":878.315,"sentiment":"neutral","sentiment_score":-0.04075148344039917},{"text":"But now you're looking at $6.","start":878.935,"end":881.435,"sentiment":"neutral","sentiment_score":-0.008071035559017522},{"text":"I mean, if you do an extra shot, an iced coffee in Sydney is $9.50 now.","start":882.135,"end":889.00995,"sentiment":"neutral","sentiment_score":0.021505159558728337}],"sentiment":"neutral","sentiment_score":-0.09455986234834493,"num_words":62,"start":862.11,"end":889.00995},{"sentences":[{"text":"That's an iced coffee.","start":891.55,"end":893.00995,"sentiment":"neutral","sentiment_score":0.023792460095137358},{"text":"I need it all over when they told me.","start":893.23,"end":896.12994,"sentiment":"neutral","sentiment_score":-0.07565399756034215},{"text":"And you know what?","start":896.67,"end":897.47,"sentiment":"neutral","sentiment_score":-0.0864808727055788},{"text":"I didn't have a choice because she already made it.","start":897.47,"end":900.495,"sentiment":"neutral","sentiment_score":-0.1747055895626545},{"text":"And I put an extra shot in there thinking I'll just pay, alright, $7 the most.","start":901.21497,"end":906.995,"sentiment":"neutral","sentiment_score":-0.06947974930517375}],"sentiment":"neutral","sentiment_score":-0.08814817472079466,"num_words":43,"start":891.55,"end":906.995},{"sentences":[{"text":"As she goes, it was $9.50.","start":907.295,"end":909.555,"sentiment":"neutral","sentiment_score":0.0008498866421480974},{"text":"And I just had to buy it.","start":911.295,"end":913.75,"sentiment":"neutral","sentiment_score":-0.08540910588843482},{"text":"And you know what?","start":913.75,"end":914.55,"sentiment":"neutral","sentiment_score":-0.051296633668243885},{"text":"After that, I never bought it again.","start":914.55,"end":917.21,"sentiment":"negative","sentiment_score":-0.3516936344759805},{"text":"Because a jar of coffee in the Kona is what?","start":918.39,"end":921.83,"sentiment":"neutral","sentiment_score":0.01099805124104023}],"sentiment":"neutral","sentiment_score":-0.09264193779295858,"num_words":34,"start":907.295,"end":921.83},{"sentences":[{"text":"$26?","start":921.83,"end":923.05,"sentiment":"neutral","sentiment_score":0.0222182497382164},{"text":"Can you imagine how many I can make out of it?","start":924.39,"end":927.21,"sentiment":"neutral","sentiment_score":0.08616291968659921},{"text":"Yep.","start":932.605,"end":933.105,"sentiment":"neutral","sentiment_score":0.058710239827632904},{"text":"Thirty weeks.","start":936.125,"end":936.845,"sentiment":"neutral","sentiment_score":0.049764109775424004},{"text":"We have one too.","start":936.845,"end":937.985,"sentiment":"neutral","sentiment_score":0.1283001359552145}],"sentiment":"neutral","sentiment_score":0.08639207207842876,"num_words":19,"start":921.83,"end":937.985},{"sentences":[{"text":"And that's what we do on the weekend.","start":938.52496,"end":940.14496,"sentiment":"neutral","sentiment_score":0.15951951127499342},{"text":"We just occasionally go out for a coffee with friends because it's different.","start":940.76495,"end":945.42,"sentiment":"neutral","sentiment_score":0.2906914467994983},{"text":"It's a catch up.","start":945.42,"end":946.63995,"sentiment":"neutral","sentiment_score":0.21168622002005577},{"text":"But realistically, even lunch, a sandwich, a just a salad and cheese sandwich is already $8 something.","start":948.3,"end":962.715,"sentiment":"neutral","sentiment_score":0.02156730489257504},{"text":"And I can't I just can't comprehend it at all.","start":963.255,"end":967.435,"sentiment":"negative","sentiment_score":-0.38343079686164855}],"sentiment":"neutral","sentiment_score":0.04681203833136421,"num_words":52,"start":938.52496,"end":967.435},{"sentences":[{"text":"I make my own lunch.","start":968.135,"end":969.515,"sentiment":"neutral","sentiment_score":-0.0016820196062326417},{"text":"Yes.","start":973.88,"end":974.12,"sentiment":"neutral","sentiment_score":0.0423026904463768},{"text":"Same.","start":974.12,"end":974.62,"sentiment":"neutral","sentiment_score":0.03653581812977791},{"text":"Yes.","start":974.68005,"end":975.18005,"sentiment":"neutral","sentiment_score":0.056107696145772934},{"text":"Yep.","start":977.80005,"end":977.88,"sentiment":"neutral","sentiment_score":0.051626306027174}],"sentiment":"neutral","sentiment_score":0.01979582363532649,"num_words":9,"start":968.135,"end":977.88},{"sentences":[{"text":"Yep.","start":977.88,"end":978.38,"sentiment":"neutral","sentiment_score":0.033421751111745834},{"text":"Yep.","start":982.2,"end":982.7,"sentiment":"neutral","sentiment_score":0.014679244719445704},{"text":"In 2006, a salad sandwich with cheese was between 4 and $5.","start":982.76,"end":990.065,"sentiment":"neutral","sentiment_score":-0.015303898292283217},{"text":"And we're in the office every day.","start":992.28503,"end":994.225,"sentiment":"neutral","sentiment_score":0.009954979510179587},{"text":"So $5, it didn't bother me, $20.","start":994.445,"end":997.665,"sentiment":"neutral","sentiment_score":-0.037871863160814555}],"sentiment":"neutral","sentiment_score":-0.011820141758237566,"num_words":28,"start":977.88,"end":997.665},{"sentences":[{"text":"You know, I didn't really care.","start":999.6,"end":1001.04,"sentiment":"neutral","sentiment_score":-0.019091009472807247},{"text":"It's just $20 a week.","start":1001.04,"end":1002.74,"sentiment":"neutral","sentiment_score":0.02767166756093502},{"text":"There were times when I did take my lunch in more than what I bought a sandwich.","start":1004.39996,"end":1008.58,"sentiment":"neutral","sentiment_score":0.00989469951566528},{"text":"I rather I just bought a sandwich during summer.","start":1008.8,"end":1011.46,"sentiment":"neutral","sentiment_score":0.16116836418708166},{"text":"It was just nice and refreshing to eat.","start":1012.745,"end":1015.485,"sentiment":"positive","sentiment_score":0.36849753255955875}],"sentiment":"neutral","sentiment_score":0.10201150468654102,"num_words":45,"start":999.6,"end":1015.485},{"sentences":[{"text":"But these days oh my god.","start":1016.185,"end":1018.34503,"sentiment":"neutral","sentiment_score":-0.09242802485823631},{"text":"Like, the stores out here are those they sell all these prepaid, pre made sandwiches.","start":1018.34503,"end":1028.05,"sentiment":"neutral","sentiment_score":0.018607195342580478},{"text":"Like, they're selling a chicken sandwich for $8.","start":1028.91,"end":1031.9701,"sentiment":"neutral","sentiment_score":0.02203188871499151},{"text":"Chicken and mayo for 8.","start":1035.4701,"end":1037.0901,"sentiment":"neutral","sentiment_score":0.00584239661693573},{"text":"You don't.","start":1040.75,"end":1041.41,"sentiment":"neutral","sentiment_score":-0.01439441554248333}],"sentiment":"neutral","sentiment_score":-0.0027439432580851847,"num_words":36,"start":1016.185,"end":1041.41},{"sentences":[{"text":"And I can buy a whole chicken for $10 and just chop it up and add mayo and shallot and whatever in it and just have it for the next couple of days for lunch.","start":1041.625,"end":1051.245,"sentiment":"neutral","sentiment_score":0.14174016905682427},{"text":"This is this is where people are starting to look and see their budget and everything and how much everything costs.","start":1053.5449,"end":1062.8301,"sentiment":"neutral","sentiment_score":0.2068314715510323},{"text":"I don't know how the young generation do it.","start":1066.17,"end":1068.5901,"sentiment":"neutral","sentiment_score":-0.24092447592152488},{"text":"The constant purchases.","start":1074.975,"end":1076.2749,"sentiment":"neutral","sentiment_score":-0.041176718970139824},{"text":"Like, it's like $13 now, $14 for a, you know, those loath long sandwiches?","start":1078.095,"end":1085.03,"sentiment":"neutral","sentiment_score":-0.01576761603688023}],"sentiment":"neutral","sentiment_score":0.08282646042487879,"num_words":82,"start":1041.625,"end":1085.03},{"sentences":[{"text":"Yeah.","start":1087.65,"end":1087.89,"sentiment":"neutral","sentiment_score":-0.021852854639291763},{"text":"They're about $13.","start":1087.89,"end":1089.35,"sentiment":"neutral","sentiment_score":-0.03189143228034178},{"text":"I don't know how they do it.","start":1092.13,"end":1093.67,"sentiment":"neutral","sentiment_score":-0.09635048040321895},{"text":"A kebab is 15 dollars, and it does add up.","start":1093.73,"end":1098.095,"sentiment":"neutral","sentiment_score":0.01015640739351511},{"text":"Exactly.","start":1100.955,"end":1101.455,"sentiment":"neutral","sentiment_score":0.08685284107923508}],"sentiment":"neutral","sentiment_score":-0.027434709058566528,"num_words":22,"start":1087.65,"end":1101.455},{"sentences":[{"text":"Look.","start":1101.995,"end":1102.315,"sentiment":"neutral","sentiment_score":0.1039578691124916},{"text":"You think of a family.","start":1102.315,"end":1103.835,"sentiment":"neutral","sentiment_score":0.1712277352809906},{"text":"Yep.","start":1103.835,"end":1104.335,"sentiment":"neutral","sentiment_score":0.18435955047607425},{"text":"That's like what?","start":1105.035,"end":1105.835,"sentiment":"neutral","sentiment_score":0.1645082781712214},{"text":"Almost a $100 for four kebabs with drink.","start":1105.835,"end":1110.3401,"sentiment":"neutral","sentiment_score":0.21252133697271347}],"sentiment":"neutral","sentiment_score":0.1854528681271606,"num_words":18,"start":1101.995,"end":1110.3401},{"sentences":[{"text":"And that yes.","start":1111.92,"end":1115.9401,"sentiment":"neutral","sentiment_score":0.22630673150221506},{"text":"Yes.","start":1116.3201,"end":1116.8201,"sentiment":"neutral","sentiment_score":0.017187539488077164},{"text":"It's really expensive.","start":1117.76,"end":1118.9,"sentiment":"neutral","sentiment_score":-0.21056247254212698},{"text":"So, yeah, we just we just eat at home.","start":1120.785,"end":1124.9651,"sentiment":"neutral","sentiment_score":0.10469382566710313},{"text":"Today, we're going out for steak.","start":1125.025,"end":1126.9651,"sentiment":"neutral","sentiment_score":0.228264386455218}],"sentiment":"neutral","sentiment_score":0.10801141209561717,"num_words":22,"start":1111.92,"end":1126.9651},{"sentences":[{"text":"But tomorrow, we're cooking at home, Saturday, Sunday.","start":1131.025,"end":1134.245,"sentiment":"neutral","sentiment_score":0.15159377083182335},{"text":"Mostly from Saturday to Thursday or Wednesday, we cook at home.","start":1134.72,"end":1140.1,"sentiment":"neutral","sentiment_score":0.1148167916319587},{"text":"One of one or two nights where we eat out.","start":1143.76,"end":1147.54,"sentiment":"neutral","sentiment_score":0.13903237134218216},{"text":"Sometimes no.","start":1149.775,"end":1158.915,"sentiment":"neutral","sentiment_score":0.2224942445755005},{"text":"Yes.","start":1166.0701,"end":1166.39,"sentiment":"neutral","sentiment_score":-0.05395248532295227}],"sentiment":"neutral","sentiment_score":0.1330342059955001,"num_words":32,"start":1131.025,"end":1166.39},{"sentences":[{"text":"But I'm not gonna do that.","start":1166.39,"end":1167.93,"sentiment":"neutral","sentiment_score":-0.3224093367656072},{"text":"Because when you're working, you've got that full time income.","start":1168.63,"end":1171.4501,"sentiment":"neutral","sentiment_score":-0.26387706100940705},{"text":"That's a lot.","start":1172.15,"end":1173.27,"sentiment":"neutral","sentiment_score":-0.25625041623910266},{"text":"That's plenty.","start":1173.27,"end":1174.0901,"sentiment":"neutral","sentiment_score":-0.021111028268933296},{"text":"That's plenty.","start":1176.2301,"end":1176.87,"sentiment":"neutral","sentiment_score":0.05372024327516556}],"sentiment":"neutral","sentiment_score":-0.22942432388663292,"num_words":23,"start":1166.39,"end":1176.87},{"sentences":[{"text":"And plus?","start":1176.87,"end":1177.61,"sentiment":"neutral","sentiment_score":0.031135236844420433},{"text":"Definitely 65.","start":1181.875,"end":1183.495,"sentiment":"neutral","sentiment_score":0.052335960790514946},{"text":"Definitely.","start":1184.835,"end":1185.335,"sentiment":"neutral","sentiment_score":0.09141700714826584},{"text":"That's the retirement age for a woman, isn't 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fine.","start":1214.5751,"end":1215.7151,"sentiment":"positive","sentiment_score":0.4527615010738373},{"text":"Yep.","start":1227.86,"end":1228.36,"sentiment":"neutral","sentiment_score":0.049547791481018066}],"sentiment":"positive","sentiment_score":0.44192790855532105,"num_words":23,"start":1200.14,"end":1228.36},{"sentences":[{"text":"Right.","start":1244.1549,"end":1244.6549,"sentiment":"neutral","sentiment_score":0.047722227871418},{"text":"Mhmm.","start":1251.0701,"end":1251.5701,"sentiment":"neutral","sentiment_score":0.046987615525722504},{"text":"Fine.","start":1255.23,"end":1255.73,"sentiment":"neutral","sentiment_score":0.10759122669696808},{"text":"Yep.","start":1256.59,"end":1257.09,"sentiment":"neutral","sentiment_score":0.08312984555959702},{"text":"Right.","start":1260.67,"end":1261.005,"sentiment":"neutral","sentiment_score":0.07644754648208618}],"sentiment":"neutral","sentiment_score":0.07237569242715836,"num_words":5,"start":1244.1549,"end":1261.005},{"sentences":[{"text":"Yes.","start":1267.805,"end":1268.305,"sentiment":"neutral","sentiment_score":0.08636577427387238},{"text":"Yes.","start":1280.75,"end":1280.83,"sentiment":"neutral","sentiment_score":0.1812278777360916},{"text":"That's fine.","start":1280.83,"end":1281.63,"sentiment":"neutral","sentiment_score":0.23306339979171753},{"text":"Yep.","start":1281.63,"end":1282.13,"sentiment":"neutral","sentiment_score":0.14226222038269043},{"text":"Yep.","start":1290.75,"end":1291.005,"sentiment":"neutral","sentiment_score":0.01609908416867256}],"sentiment":"neutral","sentiment_score":0.14868029269079366,"num_words":6,"start":1267.805,"end":1291.005},{"sentences":[{"text":"Yep.","start":1291.005,"end":1291.505,"sentiment":"neutral","sentiment_score":0.013245630078017712},{"text":"That's fine.","start":1297.3875,"end":1304.51,"sentiment":"neutral","sentiment_score":0.001409030519425869},{"text":"Whatever needs to be done, that's fine.","start":1304.5701,"end":1306.67,"sentiment":"neutral","sentiment_score":0.02511574381164142},{"text":"All good.","start":1306.89,"end":1307.63,"sentiment":"neutral","sentiment_score":0.3016146570444107},{"text":"Right.","start":1317.21,"end":1317.71,"sentiment":"neutral","sentiment_score":0.021120566874742508}],"sentiment":"neutral","sentiment_score":0.06278644452014795,"num_words":13,"start":1291.005,"end":1317.71},{"sentences":[{"text":"Yes.","start":1321.125,"end":1321.625,"sentiment":"neutral","sentiment_score":0.05004403740167618},{"text":"Yes.","start":1324.245,"end":1324.745,"sentiment":"neutral","sentiment_score":0.02541496977210045},{"text":"Okay.","start":1329.925,"end":1330.425,"sentiment":"neutral","sentiment_score":0.04351644590497017},{"text":"That's the digitally signed one.","start":1330.5651,"end":1332.84,"sentiment":"neutral","sentiment_score":0.0743425615131855},{"text":"Oh, okay.","start":1336.76,"end":1337.32,"sentiment":"neutral","sentiment_score":0.20278285443782806}],"sentiment":"neutral","sentiment_score":0.08962539695203305,"num_words":10,"start":1321.125,"end":1337.32},{"sentences":[{"text":"Oh, good.","start":1337.32,"end":1337.88,"sentiment":"positive","sentiment_score":0.448781818151474},{"text":"Excellent.","start":1337.88,"end":1338.38,"sentiment":"positive","sentiment_score":0.682431697845459},{"text":"Yep.","start":1348.885,"end":1349.385,"sentiment":"neutral","sentiment_score":0.18278741836547852},{"text":"What's the cash out?","start":1362.92,"end":1364.3,"sentiment":"neutral","sentiment_score":0.016293538734316826},{"text":"Oh, I cash out.","start":1369.48,"end":1370.86,"sentiment":"neutral","sentiment_score":0.05342795792967081}],"sentiment":"neutral","sentiment_score":0.17013906159748635,"num_words":12,"start":1337.32,"end":1370.86},{"sentences":[{"text":"Oh, okay.","start":1371.16,"end":1371.8201,"sentiment":"neutral","sentiment_score":0.1384284496307373},{"text":"Yep.","start":1373.08,"end":1373.58,"sentiment":"positive","sentiment_score":0.4460255801677704},{"text":"I'm happy to wait a year.","start":1374.755,"end":1376.375,"sentiment":"positive","sentiment_score":0.7197831074396769},{"text":"Oh, definitely.","start":1382.0349,"end":1382.7749,"sentiment":"neutral","sentiment_score":0.1735200360417366},{"text":"I just wanted to ask a question.","start":1384.5149,"end":1386.375,"sentiment":"neutral","sentiment_score":0.15826480942113058}],"sentiment":"positive","sentiment_score":0.3609152701165941,"num_words":18,"start":1371.16,"end":1386.375},{"sentences":[{"text":"We won the lotto, and I had an extra 200,000 sitting around.","start":1390.8,"end":1396.42,"sentiment":"neutral","sentiment_score":0.15294698687891164},{"text":"Am I able to put it in the 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that.","start":1462.815,"end":1464.4349,"sentiment":"neutral","sentiment_score":-0.10543038944403331},{"text":"But I don't know how it works.","start":1466.735,"end":1468.275,"sentiment":"neutral","sentiment_score":-0.12864851845162256},{"text":"Yeah.","start":1471.9,"end":1472.22,"sentiment":"neutral","sentiment_score":-0.019837599247694016},{"text":"Like, every year.","start":1472.22,"end":1473.4401,"sentiment":"neutral","sentiment_score":-0.003029820198814074}],"sentiment":"neutral","sentiment_score":-0.04977462420592437,"num_words":37,"start":1452.0499,"end":1473.4401},{"sentences":[{"text":"Yes.","start":1482.14,"end":1482.22,"sentiment":"neutral","sentiment_score":0.048125024884939194},{"text":"That's yeah.","start":1482.22,"end":1483.68,"sentiment":"neutral","sentiment_score":0.07413184642791748},{"text":"Oh, good.","start":1507.0,"end":1507.64,"sentiment":"neutral","sentiment_score":0.30303382873535156},{"text":"So I can put it in a super.","start":1507.64,"end":1509.34,"sentiment":"neutral","sentiment_score":0.24360576085746288},{"text":"Yeah.","start":1512.665,"end":1513.165,"sentiment":"neutral","sentiment_score":0.18399813771247864}],"sentiment":"neutral","sentiment_score":0.20966432855597564,"num_words":14,"start":1482.14,"end":1513.165},{"sentences":[{"text":"Yep.","start":1517.625,"end":1518.125,"sentiment":"neutral","sentiment_score":0.050071146339178085},{"text":"You can.","start":1521.705,"end":1522.445,"sentiment":"neutral","sentiment_score":0.032760522328317165},{"text":"Because it's not from an illegal thing.","start":1525.0,"end":1526.84,"sentiment":"neutral","sentiment_score":-0.15005991395030702},{"text":"It's from a legal thing, like the lotto.","start":1526.84,"end":1529.1,"sentiment":"neutral","sentiment_score":-0.11781082022935152},{"text":"It's like yeah.","start":1529.24,"end":1533.88,"sentiment":"neutral","sentiment_score":-0.06617261841893196}],"sentiment":"neutral","sentiment_score":-0.09884912494037833,"num_words":21,"start":1517.625,"end":1533.88},{"sentences":[{"text":"I just want You have to Yep.","start":1533.88,"end":1548.875,"sentiment":"neutral","sentiment_score":-0.026960750642631735},{"text":"Yep.","start":1549.335,"end":1549.62,"sentiment":"neutral","sentiment_score":-0.023535098880529404},{"text":"Yep.","start":1555.62,"end":1556.1,"sentiment":"neutral","sentiment_score":-0.01485641486942768},{"text":"But you would investigate and find out anyway.","start":1556.1,"end":1559.4,"sentiment":"neutral","sentiment_score":-0.04429757595062256},{"text":"Yes.","start":1563.035,"end":1563.535,"sentiment":"neutral","sentiment_score":0.02328416332602501}],"sentiment":"neutral","sentiment_score":-0.031011845140407484,"num_words":18,"start":1533.88,"end":1563.535},{"sentences":[{"text":"Yes.","start":1566.795,"end":1567.295,"sentiment":"neutral","sentiment_score":0.029654450714588165},{"text":"Yes.","start":1567.4349,"end":1567.9349,"sentiment":"neutral","sentiment_score":0.01949472539126873},{"text":"Yes.","start":1571.755,"end":1572.255,"sentiment":"neutral","sentiment_score":0.028487058356404305},{"text":"Okay.","start":1573.195,"end":1573.695,"sentiment":"neutral","sentiment_score":0.11020778119564056},{"text":"Thank you.","start":1573.835,"end":1574.58,"sentiment":"neutral","sentiment_score":0.25627224147319794}],"sentiment":"neutral","sentiment_score":0.1167314164340496,"num_words":6,"start":1566.795,"end":1574.58},{"sentences":[{"text":"It's just that sometimes people don't want that extra cash lying around.","start":1574.74,"end":1579.7999,"sentiment":"neutral","sentiment_score":-0.053940117048720516},{"text":"They'd rather put it towards their super.","start":1580.1799,"end":1582.26,"sentiment":"neutral","sentiment_score":-0.014476487679140908},{"text":"You know what?","start":1582.26,"end":1583.7,"sentiment":"neutral","sentiment_score":0.015996741751829784},{"text":"It's more beneficial using it when you retire.","start":1583.7,"end":1587.24,"sentiment":"neutral","sentiment_score":0.11922551412135363},{"text":"So anyway, thank you.","start":1592.525,"end":1594.145,"sentiment":"positive","sentiment_score":0.3830927200615406}],"sentiment":"neutral","sentiment_score":0.05251612941570142,"num_words":34,"start":1574.74,"end":1594.145},{"sentences":[{"text":"It was good chatting to you.","start":1594.365,"end":1596.0651,"sentiment":"positive","sentiment_score":0.547245055437088},{"text":"That's good.","start":1603.92,"end":1604.64,"sentiment":"positive","sentiment_score":0.5810642540454865},{"text":"Thank you.","start":1604.64,"end":1605.4601,"sentiment":"positive","sentiment_score":0.4707898199558258},{"text":"Yes.","start":1609.52,"end":1610.02,"sentiment":"neutral","sentiment_score":0.08476236462593079},{"text":"Yes.","start":1612.7201,"end":1613.2201,"sentiment":"neutral","sentiment_score":0.07886011898517609}],"sentiment":"positive","sentiment_score":0.4625667470196883,"num_words":12,"start":1594.365,"end":1613.2201},{"sentences":[{"text":"Right.","start":1616.995,"end":1617.495,"sentiment":"neutral","sentiment_score":0.10783717781305312},{"text":"Oh, yep.","start":1620.755,"end":1621.315,"sentiment":"neutral","sentiment_score":0.13040206208825111},{"text":"That's easy.","start":1621.315,"end":1621.955,"sentiment":"neutral","sentiment_score":0.19317308068275452},{"text":"And on the beneficiary, I can put Ethan's name too.","start":1621.955,"end":1624.7749,"sentiment":"neutral","sentiment_score":0.09361975938081742},{"text":"Yep.","start":1635.71,"end":1636.21,"sentiment":"neutral","sentiment_score":0.058856140822172165}],"sentiment":"neutral","sentiment_score":0.10937757487408817,"num_words":16,"start":1616.995,"end":1636.21},{"sentences":[{"text":"Yep.","start":1637.79,"end":1638.29,"sentiment":"neutral","sentiment_score":0.0710919201374054},{"text":"Yep.","start":1639.87,"end":1640.205,"sentiment":"neutral","sentiment_score":0.06770309060811996},{"text":"Okay then.","start":1643.245,"end":1644.0449,"sentiment":"neutral","sentiment_score":0.15364335477352142},{"text":"Excellent.","start":1644.0449,"end":1644.5449,"sentiment":"positive","sentiment_score":0.48587721586227417},{"text":"Okay.","start":1652.0449,"end":1652.5449,"sentiment":"neutral","sentiment_score":0.013911286368966104}],"sentiment":"neutral","sentiment_score":0.1576450370873014,"num_words":6,"start":1637.79,"end":1652.5449},{"sentences":[{"text":"What happens if Van and I pass away?","start":1653.63,"end":1656.93,"sentiment":"neutral","sentiment_score":-0.06379629310686141},{"text":"How does Ethan access it?","start":1657.15,"end":1659.3301,"sentiment":"neutral","sentiment_score":0.01375528946518898},{"text":"That beneficiary will yep.","start":1661.0701,"end":1671.485,"sentiment":"neutral","sentiment_score":0.008013821323402226},{"text":"He's 18.","start":1672.905,"end":1673.725,"sentiment":"neutral","sentiment_score":0.0002190472441725433},{"text":"He's 18 now.","start":1676.665,"end":1677.93,"sentiment":"neutral","sentiment_score":-0.0003485472795243065}],"sentiment":"neutral","sentiment_score":-0.018643007253889333,"num_words":22,"start":1653.63,"end":1677.93},{"sentences":[{"text":"It's that okay.","start":1680.5701,"end":1688.1901,"sentiment":"neutral","sentiment_score":0.021778030941883724},{"text":"Yep.","start":1688.41,"end":1688.91,"sentiment":"neutral","sentiment_score":0.04169091209769249},{"text":"Yep.","start":1689.29,"end":1689.79,"sentiment":"neutral","sentiment_score":0.046160630881786346},{"text":"Right.","start":1692.855,"end":1693.095,"sentiment":"neutral","sentiment_score":0.025365043431520466},{"text":"So do you need to show his passport and his birth certificate as well?","start":1693.095,"end":1697.995,"sentiment":"neutral","sentiment_score":0.015667124385280267}],"sentiment":"neutral","sentiment_score":0.019894521031528712,"num_words":20,"start":1680.5701,"end":1697.995},{"sentences":[{"text":"Right.","start":1705.89,"end":1706.29,"sentiment":"neutral","sentiment_score":0.029887042939662933},{"text":"Because we're going to talk to him about it because I believe it's very important that he knows that because things like this can happen anytime to anybody.","start":1706.29,"end":1718.79,"sentiment":"neutral","sentiment_score":0.02865557824926717},{"text":"And kids usually don't know.","start":1720.05,"end":1722.745,"sentiment":"neutral","sentiment_score":-0.013478655181825162},{"text":"They're not told because my parents told me when I was 19 that if anything happens to them and this is how they because they put everything under a lawyer as well.","start":1722.745,"end":1735.0851,"sentiment":"neutral","sentiment_score":-0.03544893994694576},{"text":"And, yeah, I had a what you call it a that beneficiary thing made up.","start":1735.65,"end":1746.79,"sentiment":"neutral","sentiment_score":-0.009725093531111876}],"sentiment":"neutral","sentiment_score":-0.006362870657517586,"num_words":81,"start":1705.89,"end":1746.79},{"sentences":[{"text":"So didn't need it, which is good, but they did it because I was the only child.","start":1747.3301,"end":1754.125,"sentiment":"neutral","sentiment_score":-0.03400348258369109},{"text":"And so Ethan's the only child as well.","start":1755.705,"end":1758.365,"sentiment":"neutral","sentiment_score":-0.008736892486922443},{"text":"So yep.","start":1759.465,"end":1764.525,"sentiment":"neutral","sentiment_score":0.03116706758737564},{"text":"Yes.","start":1769.2799,"end":1769.7799,"sentiment":"neutral","sentiment_score":0.10666175186634064},{"text":"Yes.","start":1774.24,"end":1774.3999,"sentiment":"neutral","sentiment_score":0.04397597163915634}],"sentiment":"neutral","sentiment_score":-0.014999396039237237,"num_words":29,"start":1747.3301,"end":1774.3999},{"sentences":[{"text":"Yes.","start":1774.3999,"end":1774.8999,"sentiment":"neutral","sentiment_score":0.03610708564519882},{"text":"I Yes.","start":1776.32,"end":1787.215,"sentiment":"neutral","sentiment_score":0.055046687833964825},{"text":"Oh, good.","start":1787.215,"end":1787.855,"sentiment":"neutral","sentiment_score":0.29317936301231384},{"text":"Excellent.","start":1787.855,"end":1788.355,"sentiment":"positive","sentiment_score":0.5660216808319092},{"text":"Thank you.","start":1788.815,"end":1789.5549,"sentiment":"positive","sentiment_score":0.6394392848014832}],"sentiment":"neutral","sentiment_score":0.32218242972157896,"num_words":8,"start":1774.3999,"end":1789.5549},{"sentences":[{"text":"Fantastic.","start":1790.1749,"end":1790.6749,"sentiment":"positive","sentiment_score":0.5982199907302856},{"text":"Yes.","start":1795.0,"end":1795.4,"sentiment":"neutral","sentiment_score":0.06407185643911362},{"text":"That would be important.","start":1795.4,"end":1796.46,"sentiment":"neutral","sentiment_score":0.07220501266419888},{"text":"Yes.","start":1798.76,"end":1799.26,"sentiment":"neutral","sentiment_score":0.1478935480117798},{"text":"Okay.","start":1799.64,"end":1800.14,"sentiment":"neutral","sentiment_score":0.24539300799369812}],"sentiment":"neutral","sentiment_score":0.16804980672895908,"num_words":8,"start":1790.1749,"end":1800.14},{"sentences":[{"text":"Thank you for that.","start":1801.0,"end":1802.3,"sentiment":"positive","sentiment_score":0.5061036497354507},{"text":"That's all.","start":1806.575,"end":1807.475,"sentiment":"neutral","sentiment_score":0.2492450326681137},{"text":"Thank you.","start":1807.615,"end":1808.355,"sentiment":"positive","sentiment_score":0.5165982246398926},{"text":"Have a good day.","start":1809.135,"end":1810.195,"sentiment":"positive","sentiment_score":0.5514232069253922},{"text":"Yep.","start":1813.615,"end":1814.115,"sentiment":"neutral","sentiment_score":0.18905560672283173}],"sentiment":"positive","sentiment_score":0.4577576575370935,"num_words":13,"start":1801.0,"end":1814.115},{"sentences":[{"text":"I will.","start":1814.895,"end":1815.635,"sentiment":"neutral","sentiment_score":0.16464561969041824},{"text":"Excellent.","start":1816.495,"end":1816.995,"sentiment":"positive","sentiment_score":0.7957313656806946},{"text":"And I'll get the other documents signed from someone at work and the JP.","start":1817.0549,"end":1822.97,"sentiment":"positive","sentiment_score":0.4482352009841374},{"text":"And then I'll scan it and send it back to you next week.","start":1824.3099,"end":1827.5669,"sentiment":"positive","sentiment_score":0.3913080451580194},{"text":"Thank you.","start":1830.6069,"end":1831.3469,"sentiment":"positive","sentiment_score":0.776221752166748}],"sentiment":"positive","sentiment_score":0.4387426096946001,"num_words":32,"start":1814.895,"end":1831.3469},{"sentences":[{"text":"Thanks.","start":1831.5669,"end":1832.0669,"sentiment":"positive","sentiment_score":0.6743276715278625},{"text":"Bye.","start":1832.5269,"end":1833.0269,"sentiment":"positive","sentiment_score":0.3494168519973755},{"text":"Bye.","start":1834.6869,"end":1835.1869,"sentiment":"neutral","sentiment_score":-0.1183950901031494}],"sentiment":"neutral","sentiment_score":0.30178314447402954,"num_words":3,"start":1831.5669,"end":1835.1869}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, It's Tommy here from. How you been?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm doing fantastic. It's a bit of a overcast with Gailforce wins today. So What about\n\nChannel 1: Oh,\n\nChannel 0: your end?\n\nChannel 1: shit. It's freezing in Sydney.\n\nChannel 0: Freezing. Gotta have the heater on.\n\nChannel 1: It was windy last week.\n\nChannel 0: Yeah.\n\nChannel 1: Last Saturday,\n\nChannel 0: I've got\n\nChannel 1: I\n\nChannel 0: some\n\nChannel 1: on.\n\nChannel 0: yeah. We've got it's it's so windy that I can hear the house shaking at the moment. I'm just giving you a call to finish off the the last couple of sections for your annual review.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So what I'll do is just because it has been a little while, I'll give you a quick recap, go through the last couple of items, and then I'll send you out a review pack afterwards, if that's okay?\n\nChannel 1: Yeah. Sure. Not a problem.\n\nChannel 0: Perfect. Now just as always, are you okay for the call to be recorded?\n\nChannel 1: Yes. All good.\n\nChannel 0: Amazing. And just for the security of your information, I'm registered with Aptive as Adviser 1273105. Could I please confirm your date of birth and address?\n\nChannel 1: 10677 Saint Mary Street, West Toxton 2171.\n\nChannel 0: Sensational. Thank you so much for that.\n\nChannel 1: You are.\n\nChannel 0: Now just as a bit of a recap, so we had already discussed your your goals and your cash flow and everything,\n\nChannel 1: Yep.\n\nChannel 0: and you're basically focusing everything towards the renovations and holidays, a few long weekends, and we basically agreed to revisit extra contributions to super after the age of 60 when you can do\n\nChannel 1: Yep.\n\nChannel 0: a transition strategy. Does that ring a bell?\n\nChannel 1: Yes. It does.\n\nChannel 0: Awesome. And, again, just that focus on the paying down the mortgage as well.\n\nChannel 1: Yep. Correct.\n\nChannel 0: Cool. Now when it comes to the super, we had flagged to keep an eye on one of the investments there. It's been growing very well. We will basically just gonna keep you in a growth risk profile for the time being and come back to that better long investment if it hasn't sort of picked up back towards the end of the year.\n\nChannel 1: Sure.\n\nChannel 0: Now when it comes to the estate planning side of things, I wasn't able to check before our call finished whether you would put in place, like, a will or a power of attorney.\n\nChannel 1: I believe it would go to my husband next. Is\n\nChannel 0: Yep.\n\nChannel 1: that\n\nChannel 0: And\n\nChannel 1: the normal, like, by law? That's\n\nChannel 0: yeah. So\n\nChannel 1: how I\n\nChannel 0: most\n\nChannel 1: see\n\nChannel 0: of\n\nChannel 1: it.\n\nChannel 0: your assets would would pass on to your partner,\n\nChannel 1: Yep.\n\nChannel 0: but you haven't done, like, a formal written will with a lawyer or anything?\n\nChannel 1: No. Not really.\n\nChannel 0: Cool. My usual reminder is just most people think of will, but\n\nChannel 1: Yep.\n\nChannel 0: not many people consider powers of attorney where it's a bit easier for your partner to gain access to things like bank accounts, talk to doctors on your behalf for medical concern. It just skips having to go to the court for probate and things like that.\n\nChannel 1: Oh, no. That doesn't concern me.\n\nChannel 0: Perfect. So I'll leave those as a note for the will and power of attorney, and I do need to send you out some forms to put in place the beneficiary nomination for you so far.\n\nChannel 1: Oh, yes, please. That'll be great because if anything happens to me and my husband, I'd like it to go to my son.\n\nChannel 0: Perfect. So would you like to nominate your partner for the super for the time being? And then\n\nChannel 1: Yes, please.\n\nChannel 0: yeah. Now\n\nChannel 1: Yes.\n\nChannel 0: the types of nominations, we normally recommend a legally binding one. I don't know why they offer the option for a nonbinding, which\n\nChannel 1: Right.\n\nChannel 0: is the super fund discretion. Normally, legally binding is the safest.\n\nChannel 1: Right. Okay. What do I do there?\n\nChannel 0: So we will send you out a form where we'll kind of tick the nomination type for you. And\n\nChannel 1: Okay.\n\nChannel 0: the other option that you've got is you can either have it as a non lapsing where it doesn't expire until you change it, or you can have it as a lapsing that expires every three years and kind of forces you to update it. What would be your preference?\n\nChannel 1: Something that I don't have to constantly update.\n\nChannel 0: Yep. That's normally the way. So we call that a binding nonlacing, and I'll get that picked on the form. You do just have to get two people to witness the signature because it's a legal document, and they can't be the beneficiary themselves.\n\nChannel 1: Okay. Can okay. I can get a I've got a JP friend.\n\nChannel 0: Yeah. And it doesn't even\n\nChannel 1: They\n\nChannel 0: have\n\nChannel 1: want\n\nChannel 0: to be JP's. It can be just two adults.\n\nChannel 1: okay. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: That'll be fine.\n\nChannel 0: Would you like me to post that out with a return envelope, or would you prefer to print that out and and sign it with the the pen?\n\nChannel 1: Oh, just send me via email. I can always print it out.\n\nChannel 0: Yep. Easy done.\n\nChannel 1: Can I scan\n\nChannel 0: We'll\n\nChannel 1: it\n\nChannel 0: send\n\nChannel 1: or\n\nChannel 0: you\n\nChannel 1: send it back or does it have to be original? I\n\nChannel 0: as long as it's signed with signature via pen, you should\n\nChannel 1: Yep.\n\nChannel 0: be okay to scan it back.\n\nChannel 1: Alright then. I'll prefer that way then.\n\nChannel 0: Easy done. I'll get Michelle to send that out to you this week, and you should have that today or tomorrow.\n\nChannel 1: Excellent.\n\nChannel 0: Perfect. We were talking about the refinance of the property,\n\nChannel 1: Mhmm.\n\nChannel 0: and I just wanted to quickly double check with you the mortgage value that you might have left over for that one.\n\nChannel 1: 400.\n\nChannel 0: 400. And we did have it valued at 1,600,000. Do you know if that's much different when you went to the refinance?\n\nChannel 1: It's 1.7 now.\n\nChannel 0: 1.7¢, station. Thank you very much for that.\n\nChannel 1: That's alright. That was last year.\n\nChannel 0: Yeah. Okay. That wouldn't make too much of a difference for\n\nChannel 1: No.\n\nChannel 0: us\n\nChannel 1: It's really\n\nChannel 0: if it's a little bit off.\n\nChannel 1: Yep.\n\nChannel 0: Alrighty. The last thing to go over is just in terms of the insurance side of things.\n\nChannel 1: Yes.\n\nChannel 0: I think some insurances were previously canceled, but there's no life disability, income protection, or trauma. I just wanted to ask if you wanted me to run any quotes this year for you.\n\nChannel 1: What happens if there's an injury at work? That would get under work.\n\nChannel 0: Correct. So most of the personal insurances are for injury and illness that happens outside of work. But, again, based on age, they do get quite expensive in the fifties as well. So\n\nChannel 1: Yep.\n\nChannel 0: I just wanted to, yeah, run it by you. Do you want, like, a quote for any life insurance or anything like that? Or\n\nChannel 1: Oh, no. No. Nothing like that. No.\n\nChannel 0: perfect. I guess just for compliance sake, I do need to ask that you understand the risk of not having insurances means you transfer the risk for those situations onto your personal finances.\n\nChannel 1: That's alright.\n\nChannel 0: Perfect. So we will keep an eye on the portfolio. No insurances at the moment. I'll send you out the beneficiary forms for the super. And the the last thing I want to check with you just quickly was I had your updated income and occupation title, but do you have a set savings amount that you're you're putting aside regularly?\n\nChannel 1: Yeah. We do. It's in an offset account.\n\nChannel 0: Perfect. And is that like a set amount that you try and do each pay? Or\n\nChannel 1: We only spend what we need to spend, and everything\n\nChannel 0: Yeah.\n\nChannel 1: else goes into the another account that you can't actually even if I lost my phone or my key card, no one can go into that account.\n\nChannel 0: Perfect. Nice\n\nChannel 1: Because\n\nChannel 0: and safe.\n\nChannel 1: Webex does that and you can create five different accounts inside that account. And no one can touch it because you need to actually transfer money out from that account into your normal everyday account.\n\nChannel 0: Perfect. So there's a couple of steps removed, so it's not too easy.\n\nChannel 1: Yes. So you can't actually access it without going into the account itself.\n\nChannel 0: Amazing.\n\nChannel 1: That's even\n\nChannel 0: Do you\n\nChannel 1: going\n\nChannel 0: mind if\n\nChannel 1: in\n\nChannel 0: I note down sorry. You go for it.\n\nChannel 1: but if I lost my key card and phone, the only way I can go and access is actually go into the branch and take all my ID, like driver's license or and then only Westpac will transfer out of that account. But they'll only do it on, like, desperate measures, if you know what I mean.\n\nChannel 0: Yeah. Like, you've got to note down a specific reason and and bring in all the information.\n\nChannel 1: Yes. Correct. So everything goes\n\nChannel 0: I'm late.\n\nChannel 1: into the and I just transfer what I need on a weekly or daily basis.\n\nChannel 0: And okay. That makes more\n\nChannel 1: But\n\nChannel 0: sense.\n\nChannel 1: I just\n\nChannel 0: Perfect.\n\nChannel 1: if I need money for petrol, which is about $60 a week, and there's only $20 in there, I'll transfer out $60 for petrol.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But I won't keep more than 20 or $30 in there because I know that I can always transfer money over.\n\nChannel 0: Gotcha. And with the the value that we had before for the mortgage being 400,000,\n\nChannel 1: Yep.\n\nChannel 0: how much would the offset account be sitting at above that?\n\nChannel 1: Probably about 40,000 at the moment.\n\nChannel 0: Perfect.\n\nChannel 1: Yes.\n\nChannel 0: So what I'll do is I'll put in the loan value at 440,000 and then minus\n\nChannel 1: Yep.\n\nChannel 0: off the 40,000 for the offset. Is that okay?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Alright. Is there any questions so far on any of the areas we've talked about?\n\nChannel 1: No. Not at the moment. I don't plan on retiring until I'm 65.\n\nChannel 0: That's right. I've got you set. Age 65. We're kind of aiming for, like, as much of the mortgage paid off and\n\nChannel 1: Yep.\n\nChannel 0: hopefully around 1,200 a week coming out tax free.\n\nChannel 1: Yes. Correct. Only reason for that is because I don't know what I'll do when I sit at home. It's hard when you worked all your life, and then all of a sudden you're retired.\n\nChannel 0: Oh, it was like, you wouldn't believe I asked the same question to every client. My\n\nChannel 1: Yeah.\n\nChannel 0: entire career, I've asked, would you retire as early as possible, or do you always need sort of something to do? And it is a straight fifty fifty split where half the country says, get me out of the right race tomorrow if I won the lotto, and the other half says, I wouldn't know what to do with myself. And so I just cross the retirement plan depending on those two answers.\n\nChannel 1: Because okay. I'll tell you what happened during COVID. I didn't have a job for ten months.\n\nChannel 0: Yeah.\n\nChannel 1: So when I looked back and saw what I did, it was just a repeated thing every day. I dropped Ethan off at school because he was in u six back then. In\n\nChannel 0: Yep.\n\nChannel 1: 2020 yeah. Part of 2020 and part of 2021 was that ten months that I was off work.\n\nChannel 0: Yeah.\n\nChannel 1: And I'll drop him off at school then I'd go to the gym. I'd then go to the grocery store, whatever, and just grab what we need to cook. So I'd cook every day because I was home. And then in the afternoon, sometimes hubby and I would go for a walk depending on the weather. So that was my\n\nChannel 0: Mhmm.\n\nChannel 1: day. That was my daily thing every day except the weekend. We'd go out, like because Ethan was young, we try and take him out as much as possible\n\nChannel 0: Yeah.\n\nChannel 1: instead of just sitting at home every weekend. Now he's\n\nChannel 0: So\n\nChannel 1: 18.\n\nChannel 0: it almost gave you a bit of a taste of what retirement might look like if you had nothing\n\nChannel 1: It did\n\nChannel 0: to do.\n\nChannel 1: actually, and that was the case that I've got out of it. It's different when you're working and you wanna have time off because you've been working for so long and you need a break. But after that break, it sort of unwinds you and refreshes you. And then after\n\nChannel 0: Yeah.\n\nChannel 1: two, you really wanna get back to work because you've got nothing to do.\n\nChannel 0: Yep. I'm with you.\n\nChannel 1: And that's why and plus, when we look at everything around us and the cost has just gone up significantly, like, it's not funny.\n\nChannel 0: Yeah.\n\nChannel 1: And I don't know how we're gonna sustain it down the track because it's just not sustainable. You know,\n\nChannel 0: Yeah.\n\nChannel 1: like,\n\nChannel 0: Absolutely.\n\nChannel 1: people are already crashing out because of it. So we know both. We used to go for coffee all the time because back then it was, like, $3 for a small coffee, and that was\n\nChannel 0: Yeah.\n\nChannel 1: really\n\nChannel 0: Oh,\n\nChannel 1: cheap.\n\nChannel 0: wow.\n\nChannel 1: But now you're looking at $6. I mean, if you do an extra shot, an iced coffee in Sydney is $9.50 now.\n\nChannel 0: Oh my gosh.\n\nChannel 1: That's an iced coffee. I need it all over when they told me. And you know what? I didn't have a choice because she already made it. And I put an extra shot in there thinking I'll just pay, alright, $7 the most.\n\nAs she goes, it was\n\nChannel 0: Yes.\n\nChannel 1: $9.50. And I just had to buy it. And you know what? After that, I never bought it again. Because\n\nChannel 0: Wow.\n\nChannel 1: a\n\nChannel 0: That was\n\nChannel 1: jar\n\nChannel 0: the point.\n\nChannel 1: of coffee in the Kona is what? $26? Can\n\nChannel 0: Yes.\n\nChannel 1: you imagine how many I can make out of it?\n\nChannel 0: Yeah. I ended up buying my wife a a coffee machine when we had our\n\nChannel 1: Yep.\n\nChannel 0: third child, and she never looked back soon.\n\nChannel 1: Thirty weeks. We have one too. And that's what we do on the weekend.\n\nChannel 0: Beautiful.\n\nChannel 1: We just occasionally go out for a coffee with friends because it's different. It's a catch up. But realistically, even lunch, a sandwich, a just a salad and cheese sandwich is already $8\n\nChannel 0: Yeah.\n\nChannel 1: something. And I can't I just can't comprehend it at all. I make\n\nChannel 0: Yeah.\n\nChannel 1: my own\n\nChannel 0: Well,\n\nChannel 1: lunch.\n\nChannel 0: I grew up at a time where you could get a lolly from the corner store for 5¢, 10¢, 20\n\nChannel 1: Yes. Same.\n\nChannel 0: cents.\n\nChannel 1: Yes.\n\nChannel 0: And now it's all $2, $5,\n\nChannel 1: Yep. Yep.\n\nChannel 0: and I'm just like, wow. That's that's the inflation everyone's been talking about.\n\nChannel 1: Yep. In 2006, a salad sandwich with cheese was between 4 and $5.\n\nChannel 0: No way.\n\nChannel 1: And we're in the office every day. So $5, it didn't bother me, $20.\n\nChannel 0: Yeah.\n\nChannel 1: You know, I didn't really care. It's just $20 a week. There were times when I did take my lunch in more than what I bought a sandwich. I rather I just bought a sandwich during summer. It was just nice and refreshing to eat.\n\nBut these days oh my god. Like, the stores out here are those they sell all these prepaid, pre made sandwiches. Like, they're selling a chicken sandwich for $8. Chicken and mayo\n\nChannel 0: Yeah.\n\nChannel 1: for\n\nChannel 0: It's\n\nChannel 1: 8.\n\nChannel 0: getting to the point where you just won't do it anymore.\n\nChannel 1: You don't. And I can buy a whole chicken for $10 and just chop it up and add mayo and shallot and whatever in it and just have it for the next couple of days for lunch.\n\nChannel 0: Yeah. And you're good to go.\n\nChannel 1: This is this is where people are starting to look and see their budget and everything and how much everything costs.\n\nChannel 0: Yeah.\n\nChannel 1: I don't know how the young generation do it.\n\nChannel 0: The the constant purchases or just trying to figure it out?\n\nChannel 1: The constant purchases. Like, it's like $13 now, $14 for a, you\n\nChannel 0: Yeah.\n\nChannel 1: know, those loath long sandwiches? Yeah. They're about $13. I don't know how they do it. A kebab is 15\n\nChannel 0: Yeah. It all adds up.\n\nChannel 1: dollars, and it does add up.\n\nChannel 0: That's a\n\nChannel 1: Exactly. Look. You\n\nChannel 0: family\n\nChannel 1: think of a family. Yep. That's like what? Almost a $100 for four kebabs with\n\nChannel 0: meal.\n\nChannel 1: drink.\n\nChannel 0: Yeah. Even\n\nChannel 1: And\n\nChannel 0: if you go\n\nChannel 1: that\n\nChannel 0: to McDonald's these days, you can still spend $60.70 dollars easily.\n\nChannel 1: yes. Yes. It's really expensive. So, yeah, we just\n\nChannel 0: Yeah.\n\nChannel 1: we just eat at home. Today, we're going out for steak. But tomorrow, we're cooking at home, Saturday, Sunday. Mostly from Saturday to Thursday or Wednesday, we cook at home.\n\nChannel 0: Yeah. And just the one off once a week\n\nChannel 1: One\n\nChannel 0: kind of thing.\n\nChannel 1: of one or two nights where we eat out.\n\nChannel 0: Yeah. One\n\nChannel 1: Sometimes\n\nChannel 0: of the things that'll be good for you is when you hit over the 60 is, like you said, you don't have to stop working, but\n\nChannel 1: no.\n\nChannel 0: at least you can access a little bit of the sliver to top you off if you wanted to do something a little bit, you know, a bit more part time or something.\n\nChannel 1: Yes. But I'm not gonna do that. Because when you're working,\n\nChannel 0: No.\n\nChannel 1: you've got that full time income. That's a lot. That's plenty. That's plenty. And plus?\n\nChannel 0: Right. So we'll say 65 maybe, but we'll see how you feel at\n\nChannel 1: Definitely\n\nChannel 0: the time.\n\nChannel 1: 65. Definitely.\n\nChannel 0: Yep.\n\nChannel 1: That's the retirement age for a woman, isn't it?\n\nChannel 0: Yeah. Roundabout 65, 67 if you need to wait for the age pension, But you guys will be pretty well, you know, self funded, so it should be okay.\n\nChannel 1: Yep. Exactly. Plus we've got hubby's super as well. So\n\nChannel 0: Yeah.\n\nChannel 1: combined with that, I think we should be fine.\n\nChannel 0: Yeah.\n\nChannel 1: We should be fine.\n\nChannel 0: Perfect. One thing I was gonna let you know as well, Wilbert, is we've had a bit of a change in our fee structure with OPU Financial.\n\nChannel 1: Yep.\n\nChannel 0: So, normally, last year, you would be under the standard kind of 1.65% fee through the super, but Debit and Bart have introduced a tiered fee structure. And\n\nChannel 1: Right.\n\nChannel 0: what that basically means is for everybody above 300,000, there's\n\nChannel 1: Mhmm.\n\nChannel 0: discount supply between 200 and 500,000, which you\n\nChannel 1: Fine.\n\nChannel 0: qualify for, and\n\nChannel 1: Yep.\n\nChannel 0: then a further discount once you go above 500,000.\n\nChannel 1: Right.\n\nChannel 0: So what I was gonna send out to you after this meeting is,\n\nChannel 1: Yes.\n\nChannel 0: like, the usual review pack with the super information, the service guide with us. But I was just gonna send you out that new structure for the discounted fee.\n\nChannel 1: Yes. That's fine. Yep.\n\nChannel 0: And, also, the only other thing to sign off on is we were gonna send you a tax file number opt in for. Because\n\nChannel 1: Yep. Yep.\n\nChannel 0: of all of the cybersecurity issues, we do need your consent because it's an important number to hold,\n\nChannel 1: That's\n\nChannel 0: and we don't wanna hold it in all of the digital systems anymore, just on one form if you're okay.\n\nChannel 1: fine. Whatever needs to be done, that's\n\nChannel 0: Okay.\n\nChannel 1: fine. All good.\n\nChannel 0: Perfect. So I'm not sure if you've used our new system before, but you'll get an email in the next half an hour or so, and\n\nChannel 1: Right.\n\nChannel 0: there'll be a little blue button to start the signing process. It'll\n\nChannel 1: Yes.\n\nChannel 0: bring open all seven documents, but there's\n\nChannel 1: Yes.\n\nChannel 0: only two of them to sign, and the rest of them, you can just hit next document to get through.\n\nChannel 1: Okay. That's the digitally signed one.\n\nChannel 0: Yeah. It's very similar to DocuSign.\n\nChannel 1: Oh, okay. Oh, good. Excellent.\n\nChannel 0: Perfect. I have updated everything on the file for the information you gave me today, which I do appreciate.\n\nChannel 1: Yep.\n\nChannel 0: And the next thing too is did you want me to put in for a bit of a catch up in the new year to see how everything's going, or would you prefer just to wait for the next annual review?\n\nChannel 1: What's the cash out?\n\nChannel 0: So we normally do a bit of a catch up if you need it every\n\nChannel 1: Oh, I\n\nChannel 0: three to six\n\nChannel 1: cash out.\n\nChannel 0: months if you wanna\n\nChannel 1: Oh, okay.\n\nChannel 0: get to see how everything's going.\n\nChannel 1: Yep. I'm happy to wait a year.\n\nChannel 0: Okay. And then if anything pops up, are you okay to call in and let us know if you need any help\n\nChannel 1: Oh,\n\nChannel 0: with anything?\n\nChannel 1: definitely. I just wanted to ask a\n\nChannel 0: Perfect.\n\nChannel 1: question.\n\nChannel 0: Yeah.\n\nChannel 1: We won the lotto, and I had an extra 200,000 sitting around. Am I able to put it in the super? Or is that\n\nChannel 0: Yeah.\n\nChannel 1: a\n\nChannel 0: When\n\nChannel 1: or a no no? You know how why I'm asking because a lot of people were doing, like, just criminal activity and throwing the money into this super.\n\nChannel 0: Oh,\n\nChannel 1: Nothing. They\n\nChannel 0: yep.\n\nChannel 1: and then the New South Wales super and all that just changed everything. And they turned around and\n\nChannel 0: Right.\n\nChannel 1: said that you can only put up to $30,000 a year in your super. That's the New South Wales law. Now it's gone to 32,000. Because you know how every year or every couple of these inflation and all that, you know, with the economy and everything, so they bumped it up a little bit. That's what I wanted to ask because they're saying you can only put 32,000 a year now into your super.\n\nYou can't put more than that.\n\nChannel 0: So\n\nChannel 1: But I don't\n\nChannel 0: there's\n\nChannel 1: know how it works.\n\nChannel 0: two different caps.\n\nChannel 1: Yeah. Like,\n\nChannel 0: There is\n\nChannel 1: every year.\n\nChannel 0: a so you're talking about what's called a concessional cap of it's 32,500 that can be tax deductible.\n\nChannel 1: Yes. That's yeah.\n\nChannel 0: But there's also a non concessional cap for people with lump sums, which can be up to a 130,000 per year, and you can also use up three years in one go. So, technically, you know, 390,000 for a non concessional. The only difference is you don't get a tax deduction for it, but you can contribute\n\nChannel 1: Oh, good. So I can put it in\n\nChannel 0: it.\n\nChannel 1: a super.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And then you can have access to it after 60 and tax free and all that kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: So if that ever happens, there's strategy that you can do.\n\nChannel 1: You can.\n\nChannel 0: Yeah.\n\nChannel 1: Because it's not from an illegal thing. It's from a legal thing, like the lotto. It's like yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I just\n\nChannel 0: Correct.\n\nChannel 1: want\n\nChannel 0: We're actually required by the government to do source of fund checks. So if someone just rocks up and says, I wanna put a million dollars into my super, we\n\nChannel 1: You\n\nChannel 0: have to\n\nChannel 1: have\n\nChannel 0: ask,\n\nChannel 1: to\n\nChannel 0: well, where did you get it from? Was it from the sale of the property,\n\nChannel 1: Yep.\n\nChannel 0: lotto, or,\n\nChannel 1: Yep.\n\nChannel 0: you know, did you sell off a drug business in Cambodia? We have to ask those questions.\n\nChannel 1: Yep. But you would investigate and find out anyway.\n\nChannel 0: Yeah. There's so far\n\nChannel 1: Yes.\n\nChannel 0: that we can do where there's systems that check a few things online,\n\nChannel 1: Yes. Yes.\n\nChannel 0: and there's sort of new laws that have come in this year for\n\nChannel 1: Yes. Okay. Thank you.\n\nChannel 0: Yeah.\n\nChannel 1: It's just that sometimes people don't want that extra cash lying around. They'd rather put it towards their super.\n\nChannel 0: Yeah.\n\nChannel 1: You know what? It's more beneficial using it when you retire.\n\nChannel 0: Absolutely.\n\nChannel 1: So anyway, thank you. It was good chatting to you.\n\nChannel 0: You're most welcome. I just appreciate that I was able to catch you to finish off the review, so thank you so much for your time this morning.\n\nChannel 1: That's good. Thank you.\n\nChannel 0: And from here, you will\n\nChannel 1: Yes.\n\nChannel 0: get the you two different emails.\n\nChannel 1: Yes.\n\nChannel 0: One will be the review pack,\n\nChannel 1: Right.\n\nChannel 0: and the other one will just be the beneficiary form.\n\nChannel 1: Oh, yep. That's easy. And on the beneficiary, I can put Ethan's name too.\n\nChannel 0: Yes. You can proportion it. It has to add up to a 100%, but you can give it to you just gotta take the relationship. So this one\n\nChannel 1: Yep.\n\nChannel 0: spouse, say, 50%, this\n\nChannel 1: Yep.\n\nChannel 0: one child, 50%, and\n\nChannel 1: Yep.\n\nChannel 0: then, you know, date of birth and things like\n\nChannel 1: Okay then. Excellent.\n\nChannel 0: that. But, again, any trouble at all, just give us a callback, and we can run you through it in about two minutes flat.\n\nChannel 1: Okay. What happens if Van and I pass away? How does Ethan access it? That beneficiary\n\nChannel 0: So\n\nChannel 1: will\n\nChannel 0: if he's under 18, I'm assuming, like, a a guardian would be\n\nChannel 1: yep.\n\nChannel 0: appointed,\n\nChannel 1: He's\n\nChannel 0: but\n\nChannel 1: 18.\n\nChannel 0: it's the same oh, he's 18 now.\n\nChannel 1: He's 18 now.\n\nChannel 0: Okay. So\n\nChannel 1: It's that\n\nChannel 0: he would not that I I wanna walk through the process, but you basically hand in your ID and the death certificate,\n\nChannel 1: okay.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: the super\n\nChannel 1: Yep.\n\nChannel 0: fund can verify both of those, and then it goes straight to him.\n\nChannel 1: Right. So do you need to show his passport and his birth certificate as well?\n\nChannel 0: It would probably be any kind of photo ID, so maybe even a license or something would probably work.\n\nChannel 1: Right. Because we're going to talk to him about it because I believe\n\nChannel 0: Yeah.\n\nChannel 1: it's very important that he knows that because things like this can happen anytime to anybody. And kids\n\nChannel 0: Yes.\n\nChannel 1: usually don't know. They're not told because my parents told me when I was 19 that if anything happens to them and this is how they because they put everything under a lawyer as well. And,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I had a what you call it a that beneficiary thing made up. So didn't need it, which is good, but they did it because I was the only child. And so\n\nChannel 0: Right.\n\nChannel 1: Ethan's the only child as well. So\n\nChannel 0: Yeah. So when you put in that that beneficiary form, might\n\nChannel 1: yep.\n\nChannel 0: be a good idea just to explain to him that you've you know, how you've done the nomination. And\n\nChannel 1: Yes.\n\nChannel 0: if anything were to happen, he can always give Oakview a call if he needs any help.\n\nChannel 1: Yes. Yes. I\n\nChannel 0: But also just that, you know, your I his ID plus the death certificate is what the main thing would be, but we do handle deceased estates as well.\n\nChannel 1: Yes. Oh, good. Excellent. Thank you. Fantastic.\n\nChannel 0: So we would even provide him with advice on what to do with it all and and\n\nChannel 1: Yes.\n\nChannel 0: sort\n\nChannel 1: That would\n\nChannel 0: of\n\nChannel 1: be\n\nChannel 0: look\n\nChannel 1: important.\n\nChannel 0: after anything he requests of us.\n\nChannel 1: Yes. Okay. Thank you for that.\n\nChannel 0: You are most welcome. Anything else I can help you with?\n\nChannel 1: That's all. Thank you. Have a good day.\n\nChannel 0: Perfect. Well, you too. Have a great day. Keep an eye\n\nChannel 1: Yep.\n\nChannel 0: out for those emails, and\n\nChannel 1: I\n\nChannel 0: I'll\n\nChannel 1: will.\n\nChannel 0: talk to you soon.\n\nChannel 1: Excellent. And I'll get the other documents signed from someone at work and the JP. And then I'll scan it and\n\nChannel 0: That\n\nChannel 1: send\n\nChannel 0: sounds\n\nChannel 1: it back\n\nChannel 0: perfect.\n\nChannel 1: to you next week.\n\nChannel 0: You're amazing. Thank you so much\n\nChannel 1: Thank\n\nChannel 0: for\n\nChannel 1: you.\n\nChannel 0: that.\n\nChannel 1: Thanks. Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.030857961624860764}],"sentiment":"neutral","sentiment_score":0.030857961624860764,"channel":1,"num_words":1,"start":2.6399999,"end":3.1399999},{"sentences":[{"text":"Good morning, It's Tommy here from.","start":4.24,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.21380733946959177},{"text":"How you been?","start":6.3999996,"end":7.22,"sentiment":"neutral","sentiment_score":0.12850559006134668}],"sentiment":"neutral","sentiment_score":0.18537342300017676,"channel":0,"num_words":9,"start":4.24,"end":7.22},{"sentences":[{"text":"Good.","start":6.8799996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.3012737035751343},{"text":"How are you?","start":8.0,"end":8.9,"sentiment":"neutral","sentiment_score":0.2353884627421697}],"sentiment":"neutral","sentiment_score":0.25185977295041084,"channel":1,"num_words":4,"start":6.8799996,"end":8.9},{"sentences":[{"text":"I'm doing fantastic.","start":9.5199995,"end":10.74,"sentiment":"positive","sentiment_score":0.7077600359916687},{"text":"It's a bit of a overcast with Gailforce wins today.","start":10.96,"end":14.32,"sentiment":"neutral","sentiment_score":0.11291519999504089},{"text":"So What about","start":14.32,"end":15.725,"sentiment":"neutral","sentiment_score":-0.0028346776962280273}],"sentiment":"neutral","sentiment_score":0.20274550467729568,"channel":0,"num_words":16,"start":9.5199995,"end":15.725},{"sentences":[{"text":"Oh,","start":15.5199995,"end":15.915,"sentiment":"neutral","sentiment_score":-0.01562386006116867}],"sentiment":"neutral","sentiment_score":-0.01562386006116867,"channel":1,"num_words":1,"start":15.5199995,"end":15.915},{"sentences":[{"text":"your end?","start":15.725,"end":16.465,"sentiment":"neutral","sentiment_score":-0.01383193815127015}],"sentiment":"neutral","sentiment_score":-0.01383193815127015,"channel":0,"num_words":2,"start":15.725,"end":16.465},{"sentences":[{"text":"shit.","start":16.875,"end":17.235,"sentiment":"neutral","sentiment_score":-0.27136313915252686},{"text":"It's freezing in Sydney.","start":17.235,"end":18.895,"sentiment":"neutral","sentiment_score":-0.2297346442937851}],"sentiment":"neutral","sentiment_score":-0.23806034326553344,"channel":1,"num_words":5,"start":16.875,"end":18.895},{"sentences":[{"text":"Freezing.","start":19.725,"end":20.205,"sentiment":"neutral","sentiment_score":-0.12446194887161256},{"text":"Gotta have the heater on.","start":20.205,"end":21.585,"sentiment":"neutral","sentiment_score":-0.11489029675722122}],"sentiment":"neutral","sentiment_score":-0.11648557210961978,"channel":0,"num_words":6,"start":19.725,"end":21.585},{"sentences":[{"text":"It was windy last week.","start":23.515,"end":25.375,"sentiment":"neutral","sentiment_score":-0.13004909902811052}],"sentiment":"neutral","sentiment_score":-0.13004909902811052,"channel":1,"num_words":5,"start":23.515,"end":25.375},{"sentences":[{"text":"Yeah.","start":26.94,"end":27.44,"sentiment":"neutral","sentiment_score":-0.03426605463027954}],"sentiment":"neutral","sentiment_score":-0.03426605463027954,"channel":0,"num_words":1,"start":26.94,"end":27.44},{"sentences":[{"text":"Last Saturday,","start":26.955,"end":27.755001,"sentiment":"neutral","sentiment_score":-0.049973977729678154}],"sentiment":"neutral","sentiment_score":-0.049973977729678154,"channel":1,"num_words":2,"start":26.955,"end":27.755001},{"sentences":[{"text":"I've got","start":27.5,"end":27.980001,"sentiment":"neutral","sentiment_score":-0.06637577712535858}],"sentiment":"neutral","sentiment_score":-0.06637577712535858,"channel":0,"num_words":2,"start":27.5,"end":27.980001},{"sentences":[{"text":"I","start":27.755001,"end":27.915,"sentiment":"neutral","sentiment_score":-0.07323331385850906}],"sentiment":"neutral","sentiment_score":-0.07323331385850906,"channel":1,"num_words":1,"start":27.755001,"end":27.915},{"sentences":[{"text":"some","start":27.980001,"end":28.220001,"sentiment":"neutral","sentiment_score":-0.07256525009870529}],"sentiment":"neutral","sentiment_score":-0.07256525009870529,"channel":0,"num_words":1,"start":27.980001,"end":28.220001},{"sentences":[{"text":"on.","start":28.395,"end":28.895,"sentiment":"neutral","sentiment_score":-0.05868316441774368}],"sentiment":"neutral","sentiment_score":-0.05868316441774368,"channel":1,"num_words":1,"start":28.395,"end":28.895},{"sentences":[{"text":"yeah.","start":30.060001,"end":30.300001,"sentiment":"neutral","sentiment_score":-0.05750088393688202},{"text":"We've got it's it's so windy that I can hear the house shaking at the moment.","start":30.300001,"end":34.08,"sentiment":"neutral","sentiment_score":-0.2179679600521922},{"text":"I'm just giving you a call to finish off the the last couple of sections for your annual review.","start":38.985,"end":43.885002,"sentiment":"neutral","sentiment_score":0.010823744006062808}],"sentiment":"neutral","sentiment_score":-0.09275936412935455,"channel":0,"num_words":36,"start":30.060001,"end":43.885002},{"sentences":[{"text":"Yes.","start":44.53,"end":45.015,"sentiment":"neutral","sentiment_score":0.09139415621757507}],"sentiment":"neutral","sentiment_score":0.09139415621757507,"channel":1,"num_words":1,"start":44.53,"end":45.015},{"sentences":[{"text":"Perfect.","start":46.105,"end":46.605,"sentiment":"neutral","sentiment_score":0.3001578450202942},{"text":"So what I'll do is just because it has been a little while, I'll give you a quick recap, go through the last couple of items, and then I'll send you 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The representative confirms personal information and provides information about updating will and power of attorney, as well as explaining the risk of insurance coverage. The conversation includes personal and professional topics, including retirement plans and income and occupation titles. The speaker discusses their budget and risk of transferring risk for personal finances, as well as their risk of retirement and the importance of letting anyone know if anything happens to anyone. The agent explains the process for updating a form and sending a return envelope, as well as the risk of transferring money into a super and the legal cap on the Super. The conversation ends with the agent offering to help with anything needed and providing a catch-up in the future."},"intents":{"segments":[{"text":"I'm just giving you a call to finish off the the last couple of sections for your annual review. Yes. 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Like, they're selling a chicken sandwich for $8. Chicken and mayo Yeah.","start_word":2408,"end_word":2474,"intents":[{"intent":"Compare sandwiches","confidence_score":0.002328238}]},{"text":"This is this is where people are starting to look and see their budget and everything and how much everything costs. Yeah.","start_word":2532,"end_word":2553,"intents":[{"intent":"Discuss budget","confidence_score":0.014212074},{"intent":"Inquire about cost","confidence_score":0.0023859818}]},{"text":"One thing I was gonna let you know as well, Wilbert, is we've had a bit of a change in our fee structure with OPU Financial. Yep.","start_word":2894,"end_word":2920,"intents":[{"intent":"Inform about fee structure changes","confidence_score":0.004674398}]},{"text":"what that basically means is for everybody above 300,000, there's Mhmm. discount supply between 200 and 500,000, which you Fine. qualify for, and Yep. then a further discount once you go above 500,000. Right.","start_word":2950,"end_word":2983,"intents":[{"intent":"Obtain discount for qualifying for discount","confidence_score":0.00024750366}]},{"text":"And, also, the only other thing to sign off on is we were gonna send you a tax file number opt in for. Because Yep.","start_word":3031,"end_word":3055,"intents":[{"intent":"Provide tax file information opt in","confidence_score":0.00012374605}]},{"text":"of all of the cybersecurity issues, we do need your consent because it's an important number to hold, That's and we don't wanna hold it in all of the digital systems anymore, just on one form if you're okay. fine.","start_word":3057,"end_word":3096,"intents":[{"intent":"Confirm consent for cybersecurity issues","confidence_score":0.098491535},{"intent":"Obtain digital signature for cybersecurity issues","confidence_score":0.00010052084},{"intent":"Provide guidance on keeping items in digital systems","confidence_score":1.6314962e-9}]},{"text":"And the next thing too is did you want me to put in for a bit of a catch up in the new year to see how everything's going, or would you prefer just to wait for the next annual review?","start_word":3212,"end_word":3252,"intents":[{"intent":"Ask about schedule for annual review","confidence_score":0.000005741872}]},{"text":"What's the cash out?","start_word":3254,"end_word":3257,"intents":[{"intent":"Check cash out","confidence_score":0.039636124}]},{"text":"I just wanted to ask a Perfect. question. Yeah.","start_word":3324,"end_word":3332,"intents":[{"intent":"Ask question","confidence_score":0.55206233},{"intent":"Ask question","confidence_score":0.125281}]},{"text":"We won the lotto, and I had an extra 200,000 sitting around. Am I able to put it in the super? Or is that Yeah.","start_word":3333,"end_word":3357,"intents":[{"intent":"Confirm super super","confidence_score":0.043256357}]},{"text":"Like, There is every year. a so you're talking about what's called a concessional cap of it's 32,500 that can be tax deductible. Yes.","start_word":3505,"end_word":3528,"intents":[{"intent":"Clarify super caps","confidence_score":0.01731104}]},{"text":"The only difference is you don't get a tax deduction for it, but you can contribute Oh, good.","start_word":3572,"end_word":3589,"intents":[{"intent":"Clarify tax deduction","confidence_score":0.041658916}]},{"text":"It was good chatting to you. You're most welcome.","start_word":3813,"end_word":3821,"intents":[{"intent":"Compensate conversation","confidence_score":0.000187495}]},{"text":"I just appreciate that I was able to catch you to finish off the review, so thank you so much for your time this morning. That's good.","start_word":3822,"end_word":3848,"intents":[{"intent":"Compile review","confidence_score":0.0000042285396}]},{"text":"One will be the review pack, Right. and the other one will just be the beneficiary form. Oh, yep.","start_word":3864,"end_word":3882,"intents":[{"intent":"Provide review pack","confidence_score":0.011701587}]},{"text":"One will be the review pack, Right. and the other one will just be the beneficiary form. Oh, yep. That's easy. And on the beneficiary, I can put Ethan's name too. Yes.","start_word":3864,"end_word":3895,"intents":[{"intent":"Add name to beneficiary form","confidence_score":0.009989287}]},{"text":"That beneficiary So will if he's under 18, I'm assuming, like, a a guardian would be yep. appointed, He's but 18. it's the same oh, he's 18 now. He's 18 now. Okay.","start_word":3984,"end_word":4015,"intents":[{"intent":"Access beneficiary form","confidence_score":0.7689136}]},{"text":"So It's he that would not that I I wanna walk through the process, but you basically hand in your ID and the death certificate, okay. and Yep. the super Yep. fund can verify both of those, and then it goes straight to him. Right.","start_word":4016,"end_word":4060,"intents":[{"intent":"Hand in id","confidence_score":0.3711256},{"intent":"Explain process","confidence_score":0.50581557},{"intent":"Hand in documents","confidence_score":0.07359663}]},{"text":"So do you need to show his passport and his birth certificate as well?","start_word":4061,"end_word":4074,"intents":[{"intent":"Verify documents","confidence_score":0.03455277}]},{"text":"So we would even provide him with advice on what to do with it all and and Yes. sort That would of be look important. after anything he requests of us. Yes.","start_word":4293,"end_word":4324,"intents":[{"intent":"Give advice","confidence_score":0.015655287}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, It's Tommy here from. How you been? Good. How are you?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1924937069416046},{"text":"I'm doing fantastic.","start_word":14,"end_word":16,"sentiment":"positive","sentiment_score":0.696203887462616},{"text":"It's a bit of a overcast with Gailforce wins today. So What about Oh, your end? shit. It's freezing in Sydney. Freezing. Gotta have the heater on. It was windy last week. Yeah. Last Saturday, I've got I some on. yeah. We've got it's it's so windy that I can hear the house shaking at the moment. I'm just giving you a call to finish off the the last couple of sections for your annual review. Yes. Perfect. So what I'll do is just because it has been a little while, I'll give you a quick recap, go through the last couple of items, and then I'll send you out a review pack afterwards, if that's okay? Yeah. Sure. Not a problem. Perfect. Now just as always, are you okay for the call to be recorded? Yes. All good.","start_word":17,"end_word":155,"sentiment":"neutral","sentiment_score":0.019263286143541336},{"text":"Amazing.","start_word":156,"end_word":156,"sentiment":"positive","sentiment_score":0.4291453957557678},{"text":"And just for the security of your information, I'm registered with Aptive as Adviser 1273105. Could I please confirm your date of birth and address? 10677 Saint Mary Street, West Toxton 2171. Sensational.","start_word":157,"end_word":189,"sentiment":"neutral","sentiment_score":0.097354494035244},{"text":"Thank you so much for that. You are.","start_word":190,"end_word":197,"sentiment":"positive","sentiment_score":0.5761365294456482},{"text":"Now just as a bit of a recap, so we had already discussed your your goals and your cash flow and everything, Yep. and you're basically focusing everything towards the renovations and holidays, a few long weekends, and we basically agreed to revisit extra contributions to super after the age of 60 when you can do Yep. a transition strategy. Does that ring a bell? Yes. It does.","start_word":198,"end_word":265,"sentiment":"neutral","sentiment_score":0.11167295277118684},{"text":"Awesome.","start_word":266,"end_word":266,"sentiment":"positive","sentiment_score":0.4007323384284973},{"text":"And, again, just that focus on the paying down the mortgage as well. Yep. Correct. Cool. Now when it comes to the super, we had flagged to keep an eye on one of the investments there. It's been growing very well. We will basically just gonna keep you in a growth risk profile for the time being and come back to that better long investment if it hasn't sort of picked up back towards the end of the year. Sure. Now when it comes to the estate planning side of things, I wasn't able to check before our call finished whether you would put in place, like, a will or a power of attorney. I believe it would go to my husband next. Is Yep. that And the normal, like, by law? That's yeah. So how I most see of it. your assets would would pass on to your partner, Yep. but you haven't done, like, a formal written will with a lawyer or anything? No. Not really. Cool. My usual reminder is just most people think of will, but Yep. not many people consider powers of attorney where it's a bit easier for your partner to gain access to things like bank accounts, talk to doctors on your behalf for medical concern. It just skips having to go to the court for probate and things like that. Oh, no. That doesn't concern me.","start_word":267,"end_word":500,"sentiment":"neutral","sentiment_score":0.03585055375742352},{"text":"Perfect. So I'll leave those as a note for the will and power of attorney, and I do need to send you out some forms to put in place the beneficiary nomination for you so far. Oh, yes, please. That'll be great because if anything happens to me and my husband, I'd like it to go to my son. Perfect.","start_word":501,"end_word":560,"sentiment":"positive","sentiment_score":0.4754953384399414},{"text":"So would you like to nominate your partner for the super for the time being? And then Yes, please. yeah. Now Yes. the types of nominations, we normally recommend a legally binding one. I don't know why they offer the option for a nonbinding, which Right. is the super fund discretion. Normally, legally binding is the safest. Right. Okay. What do I do there? So we will send you out a form where we'll kind of tick the nomination type for you. And Okay. the other option that you've got is you can either have it as a non lapsing where it doesn't expire until you change it, or you can have it as a lapsing that expires every three years and kind of forces you to update it. What would be your preference? Something that I don't have to constantly update. Yep. That's normally the way. So we call that a binding nonlacing, and I'll get that picked on the form. You do just have to get two people to witness the signature because it's a legal document, and they can't be the beneficiary themselves. Okay. Can okay. I can get a I've got a JP friend. Yeah. And it doesn't even They have want to be JP's. It can be just two adults. okay. Yep.","start_word":561,"end_word":777,"sentiment":"neutral","sentiment_score":0.06314342317046932},{"text":"Perfect. That'll be fine.","start_word":778,"end_word":781,"sentiment":"positive","sentiment_score":0.45818430185317993},{"text":"Would you like me to post that out with a return envelope, or would you prefer to print that out and and sign it with the the pen? Oh, just send me via email. I can always print it out. Yep. Easy done. Can I scan We'll it send or you send it back or does it have to be original? I as long as it's signed with signature via pen, you should Yep. be okay to scan it back. Alright then. I'll prefer that way then.","start_word":782,"end_word":868,"sentiment":"neutral","sentiment_score":0.11103013157844543},{"text":"Easy done. I'll get Michelle to send that out to you this week, and you should have that today or tomorrow. Excellent. Perfect.","start_word":869,"end_word":891,"sentiment":"positive","sentiment_score":0.39098504185676575},{"text":"We were talking about the refinance of the property, Mhmm. and I just wanted to quickly double check with you the mortgage value that you might have left over for that one. 400. 400. And we did have it valued at 1,600,000. Do you know if that's much different when you went to the refinance? It's 1.7 now. 1.7<unk>, station.","start_word":892,"end_word":953,"sentiment":"neutral","sentiment_score":0.03947467356920242},{"text":"Thank you very much for that.","start_word":953,"end_word":959,"sentiment":"positive","sentiment_score":0.3944213092327118},{"text":"That's alright. That was last year. Yeah. Okay. That wouldn't make too much of a difference for No. us It's really if it's a little bit off. Yep. Alrighty. The last thing to go over is just in terms of the insurance side of things. Yes. I think some insurances were previously canceled, but there's no life disability, income protection, or trauma. I just wanted to ask if you wanted me to run any quotes this year for you. What happens if there's an injury at work? That would get under work. Correct. So most of the personal insurances are for injury and illness that happens outside of work. But, again, based on age, they do get quite expensive in the fifties as well. So Yep. I just wanted to, yeah, run it by you. Do you want, like, a quote for any life insurance or anything like that? Or Oh, no. No. Nothing like that. No. perfect. I guess just for compliance sake, I do need to ask that you understand the risk of not having insurances means you transfer the risk for those situations onto your personal finances. That's alright.","start_word":959,"end_word":1149,"sentiment":"neutral","sentiment_score":-0.08047776055858709},{"text":"Perfect.","start_word":1150,"end_word":1150,"sentiment":"positive","sentiment_score":0.6223819255828857},{"text":"So we will keep an eye on the portfolio. No insurances at the moment. I'll send you out the beneficiary forms for the super. And the the last thing I want to check with you just quickly was I had your updated income and occupation title, but do you have a set savings amount that you're you're putting aside regularly? Yeah. We do. It's in an offset account.","start_word":1151,"end_word":1218,"sentiment":"neutral","sentiment_score":0.10515796393156052},{"text":"Perfect.","start_word":1219,"end_word":1219,"sentiment":"positive","sentiment_score":0.4380854368209839},{"text":"And is that like a set amount that you try and do each pay? Or We only spend what we need to spend, and everything Yeah. else goes into the another account that you can't actually even if I lost my phone or my key card, no one can go into that account.","start_word":1220,"end_word":1272,"sentiment":"neutral","sentiment_score":0.005414048209786415},{"text":"Perfect. Nice Because and safe. Webex does that and you can create five different accounts inside that account.","start_word":1273,"end_word":1290,"sentiment":"positive","sentiment_score":0.4635891318321228},{"text":"And no one can touch it because you need to actually transfer money out from that account into your normal everyday account.","start_word":1291,"end_word":1312,"sentiment":"neutral","sentiment_score":0.2858142852783203},{"text":"Perfect.","start_word":1313,"end_word":1313,"sentiment":"positive","sentiment_score":0.5041475892066956},{"text":"So there's a couple of steps removed, so it's not too easy. Yes. So you can't actually access it without going into the account itself.","start_word":1314,"end_word":1338,"sentiment":"neutral","sentiment_score":0.19882690906524655},{"text":"Amazing.","start_word":1339,"end_word":1339,"sentiment":"positive","sentiment_score":0.5374262928962708},{"text":"That's even Do you going mind if in I note down sorry. You go for it. but if I lost my key card and phone, the only way I can go and access is actually go into the branch and take all my ID, like driver's license or and then only Westpac will transfer out of that account. But they'll only do it on, like, desperate measures, if you know what I mean. Yeah. Like, you've got to note down a specific reason and and bring in all the information. Yes. Correct. So everything goes I'm late. into the and I just transfer what I need on a weekly or daily basis. And okay. That makes more But sense.","start_word":1340,"end_word":1458,"sentiment":"neutral","sentiment_score":-0.007908690720796585},{"text":"I just Perfect.","start_word":1459,"end_word":1461,"sentiment":"positive","sentiment_score":0.3844227194786072},{"text":"if I need money for petrol, which is about $60 a week, and there's only $20 in there, I'll transfer out $60 for petrol. Yeah. Yeah. But I won't keep more than 20 or $30 in there because I know that I can always transfer money over. Gotcha. And with the the value that we had before for the mortgage being 400,000, Yep. how much would the offset account be sitting at above that? Probably about 40,000 at the moment.","start_word":1462,"end_word":1541,"sentiment":"neutral","sentiment_score":0.01863788440823555},{"text":"Perfect.","start_word":1542,"end_word":1542,"sentiment":"positive","sentiment_score":0.49667441844940186},{"text":"Yes. So what I'll do is I'll put in the loan value at 440,000 and then minus Yep. off the 40,000 for the offset. Is that okay? Yes.","start_word":1543,"end_word":1570,"sentiment":"neutral","sentiment_score":0.2036166936159134},{"text":"Perfect.","start_word":1571,"end_word":1571,"sentiment":"positive","sentiment_score":0.4827849864959717},{"text":"Alright. Is there any questions so far on any of the areas we've talked about? No. Not at the moment. I don't plan on retiring until I'm 65. That's right. I've got you set. Age 65. We're kind of aiming for, like, as much of the mortgage paid off and Yep. hopefully around 1,200 a week coming out tax free. Yes. Correct. Only reason for that is because I don't know what I'll do when I sit at home. It's hard when you worked all your life, and then all of a sudden you're retired. Oh, it was like, you wouldn't believe I asked the same question to every client. My Yeah. entire career, I've asked, would you retire as early as possible, or do you always need sort of something to do? And it is a straight fifty fifty split where half the country says, get me out of the right race tomorrow if I won the lotto, and the other half says, I wouldn't know what to do with myself. And so I just cross the retirement plan depending on those two answers. Because okay. I'll tell you what happened during COVID. I didn't have a job for ten months. Yeah. So when I looked back and saw what I did, it was just a repeated thing every day. I dropped Ethan off at school because he was in u six back then. In Yep. 2020 yeah. Part of 2020 and part of 2021 was that ten months that I was off work. Yeah. And I'll drop him off at school then I'd go to the gym. I'd then go to the grocery store, whatever, and just grab what we need to cook. So I'd cook every day because I was home. And then in the afternoon, sometimes hubby and I would go for a walk depending on the weather. So that was my Mhmm. day. That was my daily thing every day except the weekend. We'd go out, like because Ethan was young, we try and take him out as much as possible Yeah. instead of just sitting at home every weekend. Now he's So 18. it almost gave you a bit of a taste of what retirement might look like if you had nothing It did to do. actually, and that was the case that I've got out of it. It's different when you're working and you wanna have time off because you've been working for so long and you need a break. But after that break, it sort of unwinds you and refreshes you. And then after Yeah. two, you really wanna get back to work because you've got nothing to do. Yep. I'm with you. And that's why and plus, when we look at everything around us and the cost has just gone up significantly, like, it's not funny. Yeah.","start_word":1572,"end_word":2047,"sentiment":"neutral","sentiment_score":-0.02602114709986358},{"text":"And I don't know how we're gonna sustain it down the track because it's just not sustainable.","start_word":2048,"end_word":2064,"sentiment":"negative","sentiment_score":-0.40812355279922485},{"text":"You know, Yeah. like, Absolutely.","start_word":2065,"end_word":2069,"sentiment":"neutral","sentiment_score":-0.2383602410554886},{"text":"people are already crashing out because of it.","start_word":2070,"end_word":2077,"sentiment":"negative","sentiment_score":-0.491703987121582},{"text":"So we know both. We used to go for coffee all the time because back then it was, like, $3 for a small coffee, and that was Yeah. really Oh, cheap. wow. But now you're looking at $6. I mean, if you do an extra shot, an iced coffee in Sydney is $9.50 now. Oh my gosh. That's an iced coffee. I need it all over when they told me. And you know what? I didn't have a choice because she already made it. And I put an extra shot in there thinking I'll just pay, alright, $7 the most. As she goes, it was Yes. $9.50. And I just had to buy it. And you know what?","start_word":2078,"end_word":2195,"sentiment":"neutral","sentiment_score":-0.039482347667217255},{"text":"After that, I never bought it again.","start_word":2196,"end_word":2202,"sentiment":"negative","sentiment_score":-0.34388211369514465},{"text":"Because Wow. a That was jar the point. of coffee in the Kona is what? $26? Can Yes. you imagine how many I can make out of it? Yeah. I ended up buying my wife a a coffee machine when we had our Yep. third child, and she never looked back soon. Thirty weeks. We have one too. And that's what we do on the weekend.","start_word":2203,"end_word":2268,"sentiment":"neutral","sentiment_score":0.06949813663959503},{"text":"Beautiful.","start_word":2269,"end_word":2269,"sentiment":"positive","sentiment_score":0.6463004350662231},{"text":"We just occasionally go out for a coffee with friends because it's different. It's a catch up. But realistically, even lunch, a sandwich, a just a salad and cheese sandwich is already $8 Yeah. something.","start_word":2270,"end_word":2304,"sentiment":"neutral","sentiment_score":0.13176341354846954},{"text":"And I can't I just can't comprehend it at all.","start_word":2305,"end_word":2314,"sentiment":"negative","sentiment_score":-0.3846636712551117},{"text":"I make Yeah. my own Well, lunch. I grew up at a time where you could get a lolly from the corner store for 5<unk>, 10<unk>, 20 Yes. Same. cents. Yes. And now it's all $2, $5, Yep. Yep. and I'm just like, wow. That's that's the inflation everyone's been talking about. Yep. In 2006, a salad sandwich with cheese was between 4 and $5. No way. And we're in the office every day. So $5, it didn't bother me, $20. Yeah. You know, I didn't really care. It's just $20 a week. There were times when I did take my lunch in more than what I bought a sandwich. I rather I just bought a sandwich during summer.","start_word":2315,"end_word":2436,"sentiment":"neutral","sentiment_score":0.020894302055239677},{"text":"It was just nice and refreshing to eat.","start_word":2437,"end_word":2445,"sentiment":"positive","sentiment_score":0.3838242590427398},{"text":"But these days oh my god. Like, the stores out here are those they sell all these prepaid, pre made sandwiches. Like, they're selling a chicken sandwich for $8. Chicken and mayo Yeah. for It's 8. getting to the point where you just won't do it anymore. You don't. And I can buy a whole chicken for $10 and just chop it up and add mayo and shallot and whatever in it and just have it for the next couple of days for lunch. Yeah.","start_word":2445,"end_word":2529,"sentiment":"neutral","sentiment_score":0.03631705790758133},{"text":"And you're good to go.","start_word":2530,"end_word":2534,"sentiment":"positive","sentiment_score":0.450036495923996},{"text":"This is this is where people are starting to look and see their budget and everything and how much everything costs. Yeah. I don't know how the young generation do it. The the constant purchases or just trying to figure it out? The constant purchases. Like, it's like $13 now, $14 for a, you Yeah. know, those loath long sandwiches? Yeah. They're about $13. I don't know how they do it. A kebab is Yeah. 15 It all adds up. dollars, and it does add up. That's a Exactly. Look. You family think of a family. Yep. That's like what? Almost a $100 for four kebabs with meal. drink. Yeah. Even And if you go that to McDonald's these days, you can still spend $60.70 dollars easily. yes. Yes. It's really expensive. So, yeah, we just Yeah. we just eat at home. Today, we're going out for steak. But tomorrow, we're cooking at home, Saturday, Sunday. Mostly from Saturday to Thursday or Wednesday, we cook at home. Yeah. And just the one off once a week One kind of thing. of one or two nights where we eat out. Yeah. One Sometimes of the things that'll be good for you is when you hit over the 60 is, like you said, you don't have to stop working, but no. at least you can access a little bit of the sliver to top you off if you wanted to do something a little bit, you know, a bit more part time or something. Yes. But I'm not gonna do that. Because when you're working, No. you've got that full time income. That's a lot. That's plenty. That's plenty. And plus? Right. So we'll say 65 maybe, but we'll see how you feel at Definitely the time. 65. Definitely. Yep. That's the retirement age for a woman, isn't it? Yeah. Roundabout 65, 67 if you need to wait for the age pension, But you guys will be pretty well, you know, self funded, so it should be okay. Yep.","start_word":2535,"end_word":2868,"sentiment":"neutral","sentiment_score":0.08177670508533895},{"text":"Exactly. Plus we've got hubby's super as well. So Yeah. combined with that, I think we should be fine.","start_word":2869,"end_word":2887,"sentiment":"positive","sentiment_score":0.4503524899482727},{"text":"Yeah.","start_word":2888,"end_word":2888,"sentiment":"neutral","sentiment_score":0.19076469540596008},{"text":"We should be fine. Perfect.","start_word":2889,"end_word":2893,"sentiment":"positive","sentiment_score":0.5094784498214722},{"text":"One thing I was gonna let you know as well, Wilbert, is we've had a bit of a change in our fee structure with OPU Financial. Yep. So, normally, last year, you would be under the standard kind of 1.65% fee through the super, but Debit and Bart have introduced a tiered fee structure. And Right. what that basically means is for everybody above 300,000, there's Mhmm. discount supply between 200 and 500,000, which you Fine. qualify for, and Yep. then a further discount once you go above 500,000. Right. So what I was gonna send out to you after this meeting is, Yes. like, the usual review pack with the super information, the service guide with us. But I was just gonna send you out that new structure for the discounted fee. Yes. That's fine. Yep. And, also, the only other thing to sign off on is we were gonna send you a tax file number opt in for. Because Yep. Yep. of all of the cybersecurity issues, we do need your consent because it's an important number to hold, That's and we don't wanna hold it in all of the digital systems anymore, just on one form if you're okay. fine. Whatever needs to be done, that's Okay. fine. All good. Perfect. So I'm not sure if you've used our new system before, but you'll get an email in the next half an hour or so, and Right. there'll be a little blue button to start the signing process. It'll Yes. bring open all seven documents, but there's Yes. only two of them to sign, and the rest of them, you can just hit next document to get through. Okay. That's the digitally signed one. Yeah. It's very similar to DocuSign. Oh, okay.","start_word":2894,"end_word":3188,"sentiment":"neutral","sentiment_score":0.05244852975010872},{"text":"Oh, good. Excellent. Perfect. I have updated everything on the file for the information you gave me today, which I do appreciate.","start_word":3189,"end_word":3210,"sentiment":"positive","sentiment_score":0.5757431387901306},{"text":"Yep. And the next thing too is did you want me to put in for a bit of a catch up in the new year to see how everything's going, or would you prefer just to wait for the next annual review? What's the cash out? So we normally do a bit of a catch up if you need it every Oh, I three to six cash out. months if you wanna Oh, okay. get to see how everything's going.","start_word":3211,"end_word":3290,"sentiment":"neutral","sentiment_score":0.05121433194726706},{"text":"Yep. I'm happy to wait a year.","start_word":3291,"end_word":3297,"sentiment":"positive","sentiment_score":0.6520372033119202},{"text":"Okay. And then if anything pops up, are you okay to call in and let us know if you need any help Oh, with anything? definitely. I just wanted to ask a Perfect. question. Yeah. We won the lotto, and I had an extra 200,000 sitting around. Am I able to put it in the super? Or is that Yeah. a When or a no no? You know how why I'm asking because a lot of people were doing, like, just criminal activity and throwing the money into this super. Oh, Nothing. They yep. and then the New South Wales super and all that just changed everything. And they turned around and Right. said that you can only put up to $30,000 a year in your super. That's the New South Wales law. Now it's gone to 32,000. Because you know how every year or every couple of these inflation and all that, you know, with the economy and everything, so they bumped it up a little bit. That's what I wanted to ask because they're saying you can only put 32,000 a year now into your super. You can't put more than that. So But I don't there's know how it works. two different caps. Yeah. Like, There is every year. a so you're talking about what's called a concessional cap of it's 32,500 that can be tax deductible. Yes. That's yeah. But there's also a non concessional cap for people with lump sums, which can be up to a 130,000 per year, and you can also use up three years in one go. So, technically, you know, 390,000 for a non concessional. The only difference is you don't get a tax deduction for it, but you can contribute Oh, good. So I can put it in it. a super. Yeah. Yeah. And then you can have access to it after 60 and tax free and all that kind of thing. Yep. So if that ever happens, there's strategy that you can do. You can. Yeah. Because it's not from an illegal thing. It's from a legal thing, like the lotto. It's like yeah. Yeah. I just Correct. want We're actually required by the government to do source of fund checks. So if someone just rocks up and says, I wanna put a million dollars into my super, we You have to have ask, to well, where did you get it from? Was it from the sale of the property, Yep. lotto, or, Yep. you know, did you sell off a drug business in Cambodia? We have to ask those questions. Yep. But you would investigate and find out anyway. Yeah. There's so far Yes. that we can do where there's systems that check a few things online, Yes. Yes. and there's sort of new laws that have come in this year for Yes. Okay. Thank you. Yeah. It's just that sometimes people don't want that extra cash lying around. They'd rather put it towards their super. Yeah. You know what? It's more beneficial using it when you retire. Absolutely.","start_word":3298,"end_word":3808,"sentiment":"neutral","sentiment_score":0.007936614578309124},{"text":"So anyway, thank you. It was good chatting to you. You're most welcome. I just appreciate that I was able to catch you to finish off the review, so thank you so much for your time this morning. That's good. Thank you.","start_word":3809,"end_word":3850,"sentiment":"positive","sentiment_score":0.5540439486503601},{"text":"And from here, you will Yes. get the you two different emails. Yes. One will be the review pack, Right. and the other one will just be the beneficiary form. Oh, yep. That's easy. And on the beneficiary, I can put Ethan's name too. Yes. You can proportion it. It has to add up to a 100%, but you can give it to you just gotta take the relationship. So this one Yep. spouse, say, 50%, this Yep. one child, 50%, and Yep. then, you know, date of birth and things like Okay then.","start_word":3851,"end_word":3944,"sentiment":"neutral","sentiment_score":0.10558194667100906},{"text":"Excellent.","start_word":3945,"end_word":3945,"sentiment":"positive","sentiment_score":0.48587721586227417},{"text":"that. But, again, any trouble at all, just give us a callback, and we can run you through it in about two minutes flat. Okay. What happens if Van and I pass away? How does Ethan access it? That beneficiary So will if he's under 18, I'm assuming, like, a a guardian would be yep. appointed, He's but 18. it's the same oh, he's 18 now. He's 18 now. Okay. So It's he that would not that I I wanna walk through the process, but you basically hand in your ID and the death certificate, okay. and Yep. the super Yep. fund can verify both of those, and then it goes straight to him. Right. So do you need to show his passport and his birth certificate as well? It would probably be any kind of photo ID, so maybe even a license or something would probably work. Right. Because we're going to talk to him about it because I believe Yeah. it's very important that he knows that because things like this can happen anytime to anybody. And kids Yes. usually don't know. They're not told because my parents told me when I was 19 that if anything happens to them and this is how they because they put everything under a lawyer as well. And, Yeah. yeah, I had a what you call it a that beneficiary thing made up. So didn't need it, which is good, but they did it because I was the only child. And so Right. Ethan's the only child as well. So Yeah. So when you put in that that beneficiary form, might yep. be a good idea just to explain to him that you've you know, how you've done the nomination. And Yes. if anything were to happen, he can always give Oakview a call if he needs any help. Yes. Yes. I But also just that, you know, your I his ID plus the death certificate is what the main thing would be, but we do handle deceased estates as well. Yes. Oh, good.","start_word":3946,"end_word":4288,"sentiment":"neutral","sentiment_score":0.02804781883173017},{"text":"Excellent. Thank you. Fantastic.","start_word":4289,"end_word":4292,"sentiment":"positive","sentiment_score":0.606100857257843},{"text":"So we would even provide him with advice on what to do with it all and and Yes. sort That would of be look important. after anything he requests of us. Yes. Okay.","start_word":4293,"end_word":4325,"sentiment":"neutral","sentiment_score":0.17384490370750427},{"text":"Thank you for that. You are most welcome.","start_word":4326,"end_word":4333,"sentiment":"positive","sentiment_score":0.5138682126998901},{"text":"Anything else I can help you with? That's all.","start_word":4334,"end_word":4342,"sentiment":"neutral","sentiment_score":0.28493717312812805},{"text":"Thank you. Have a good day. Perfect. Well, you too. Have a great day.","start_word":4343,"end_word":4356,"sentiment":"positive","sentiment_score":0.555626779794693},{"text":"Keep an eye Yep. out for those emails, and I I'll will. talk to you soon.","start_word":4357,"end_word":4372,"sentiment":"neutral","sentiment_score":0.2130003273487091},{"text":"Excellent. And I'll get the other documents signed from someone at work and the JP. And then I'll scan it and That send sounds it back perfect. to you next week. You're amazing. Thank you so much Thank for you. that. Thanks. Bye.","start_word":4373,"end_word":4415,"sentiment":"positive","sentiment_score":0.5336893796920776},{"text":"Bye. Bye.","start_word":4416,"end_word":4417,"sentiment":"neutral","sentiment_score":0.23273441195487976}],"average":{"sentiment":"neutral","sentiment_score":0.06325919133106854}}}}