{"metadata":{"transaction_key":"deprecated","request_id":"01a060b8-0b49-7053-9713-41b486495a36","sha256":"550cd812bfda85c256cdb1ed6aae7015ca2f27b8bbbfb94865cde0c7acd571ef","created":"2026-09-02T06:04:31.577Z","duration":1843.8479,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":6363,"output_tokens":108},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7235,"output_tokens":7249},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7235,"output_tokens":586}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Rob. Tommy here from Oakview Financial Bank, senior adviser. How are you doing? I'm living the dream. It's a beautiful day on the Gold Coast. What about your end? Oh, no. School traffic at the end of the day. I'm sorry, mate. Everyone's horrid. Cool, mate. I just had a a couple of minutes to chat to you about the, the super and the insurances from your conversation with Connor. Do you have a a bit of time for me now while you're stuck? Cool. So before I dive into it, just to let you know, I'm registered with ASIC as Adviser 1273105. Just for security, could I get your date of birth and address? Sensational. And are you okay for the call to be recorded? Perfect, mate. So one of the things I was having a look at before the call was you've had some improvements in your your duties at your occupation now that you're a supervisor. So really good thing about that is that once you get, I guess, quote unquote, off the tools and go into a more supervisory position, it improves your occupation rating that affects all of the prices. So yes. And that's exactly what we want, isn't it? So what I'm kinda looking at is you're you're technically at a double b rating at the moment. It kind of goes b, double b, triple b, and then goes to a. You're at a double b at the moment as you're previously kind of like the machinist, and they're linking in with metal and wood industry. That was kind of the overall category you fell into. Oh, income's gone up from 80 to 94. And based on the duties that I've got here, 75% office, 25% of the time on the shop, but not doing any tools, you'd be looking at either a so no tools at all. Yeah. Cool. So when we call through to the insurers, you're either gonna be late listed as a triple b or an a rating. Either one's gonna get you a nice nice chunk saved. So that one's nice and easy. We're gonna call Tal, your current insurer, and see if we can kind of negotiate that one down a little bit. On the flip side as well, I'm just having a look at the exclusions there, just a bit of health details, couple of things here. Let me just have a quick look at the the current amount. But it seems like from your conversation with with Connor that you were kind of happy with the amounts of, like, life insurance that you've got. Mhmm. Beautiful. Cool. And added on top of that, in those events, the super comes into play as well. Perfect. So the the current premium is a little bit over 3,000. They dropped to $2.06 after the 15% rebate. And then once we get that occupation rating fixed up, it wouldn't surprise me if it dropped another $4,500 at least. Maybe a bit more if we can get an a rate. What I'm sort of thinking too is just double check on your your income protection. Now this one's purely up to you on this, but the maximum you can ensure for is 70% of your increased income. So you currently got 4,950 a month worth of cover, which basically gives you a thousand bucks a week after tax a little bit more. What I'm kinda thinking expenses wise is the maximum you could do is 5,400 a month, which is like an extra, you know, $100 a week, something like that. So were you wanting me to look at that? Yeah. Okay. Yeah. So probably it's pretty important just to get that that maximum amount if we can. Beautiful. So I'll do a bit of an alteration quote with them. And then it's just working through a bit of the health details and your super portfolio. So I'll give a bit of a call around for them, but I'm just having a look at the the back exclusion that you had at the time. Lumbosacral. So I think they're talking about the lower back here, and it just says here that you've been pretty sweet on the wall. Yep. Awesome. So no time off work. If anything, usual aches and pains anyone else gets in terms of, you know, bit of neurofen or something if you if the body's a bit sore for the day. Cool. So all I can really do there is we'll give Tal a call, and I'm basically gonna say, hey. Can you guys look at that original application based on five years of symptoms and treatment free. Is this reviewable? Can we get that cleaned off? Or is there something underlying there that they, you know, put a permanent flag on? But it's basically just making the call and seeing what we can do on that one. They may ask a few further details. So if if they do, you're right for the team to give you a quick buzz and and get a few things from you either. Yep. Perfect. Yeah. Tal's been pretty big on, like, the old BMI discounts. They call it a HealthSense discount. So I am gonna also flag with them the the 12 kegs that you you lost over the last year or so and see if that moves you into a a better category there as well. Yeah. And one of the things that happens, unfortunately, is in that first twelve months, they do something called add backs where they go, oh, you've lost x amount of kilos. We add 50% back on until it's been kept off for more than twelve months. So it's one of those things where either I can review it now or failing that six to twelve months time, it'll be a green light straight away. Cool. And the last one is the the reflux. Good. Gotcha. Perfect. So I'm gonna have a look. I'm just gonna look in through the previous application to see if I can see what's in there. But I will give them a call, and I'll I'll kind of ask the question on that one as well because it may be a combination of, like, BMI and the Gord might be leading to that loading. And if I can get that loading off, you're gonna have a huge savings. Like, if we if we get the occupation rating improved and the 50% loading off, you you drop to, like, a little over a thousand bucks. So, again, whether it's right now, but yeah. Yeah. And I think that'll just it compounds. Right? Because whatever we save on those fees, they get invested, and then that grows over the years too. Alright. Let's have a look here. Just bear with me for two seconds, but I do apologize. I'm just looking through this 21 page application here. Just trying to find those questions. Because you've already gone through, like, blood test, everything. K. Alright. I've also been looking at the portfolio as well. Just looking at a few updates there. Just while I'm having a look for the the Gordon, so do you have any preference between like, so when it comes to the super investments with Hub, they've got kind of the the most investment options out there for the industry. So I'm gonna be sifting through about 1,300 of them, and I've got my metrics on how to kind of whittle that down a little bit. What I'm sort of thinking, though, is we can kind of go two main styles. We can replace them with lower fee options that follow the market very closely in that asset class, like the stock market, gold market, and so on, or we can stay in that pay higher fees, try and get a higher return style as well. Do you have a strong leaning between the two? Yeah. Perfect. Perfect. So what that means sorry. Can you say that last bit again? Yeah. I'm having a look at your your, like, your risk profile at the moment. And because you're kind of in that that growth risk profile, you're not high risk. You've got that 80% in growth assets where you've still got a decent chunk in the safer side of things. And then what that means is if I go that direction that you just said for the replacement option, it means just one option stays in that style. And if that one option kind of blows up, it's only a small portion of your overall balance. No. I knew exactly what you're talking about. Exactly. So what we'll do is we've got this core and satellite approach going with yours where there's a whole group of small amounts in these different sectors and countries and things. So if one of those goes sour, it's not impacting the overall balance. You've still got a steady ship in the middle, and we can kind of afford to take a little bit more risk on one option, but without increasing your entire risk profile from, like, a four to a five out of five. Perfect. And that ties in pretty well, like you said, retirement's ages away. So we've got decades up our sleeve. If we need to review it next year, we can always bump things up and down as we need to. And for this, it's really just an engine tune up because there's a couple of options that, you know, they haven't been doing what we expected them to do. So I need to kind of slot someone in who is yeah. That's the one. Ben along. Yeah. There's there's Benelon is the main one where it's kind of shot off in in in an odd direction. Like, it's dropped a bit faster than the other ones in its group, and it hasn't kind of caught back up the way it should have. Yeah. We've been talking with the investment committee about a few options we've been researching, and that's kind of why I asked that style question before because if there's three or four I narrow it down to, I wanna make sure that I'm kind of tailoring the super to behave in a way that you expect, if that makes sense. And the other thing too, this one's a little bit out of left field, but the government's phasing out a specific type of term deposit called a bank hybrid that you do have. That one's easy. I basically just need to switch that out with another type of term deposit that's not being phased out. Yeah. Nothing crazy. And oddly enough, I know in Australia, property is kind of like the one asset to invest in in Australia, but your your property option, unfortunately, invests in property companies. And since the government did that new legislation for capital gains tax and negative gearing, those companies are starting to go under and reduce profits and activity. So they're getting hit hard, and there's no good kind of property like, there's no direct property fund I can slot it into so you get the growth of the market. I basically need to keep you away from those companies as well. Easy done. I've got a few few different options in different areas that we might be able to just diversify you into a little bit. And one thing I need to do as well is also we call it like a rebalance. So because you've got eight options there, some of them go up, some of them go down. Maybe we originally said that you should have 7% of your money in this 7% in that one. And if one's gone up to nine, one's gone down to six, we need to just kind of bring them back to their original weightings, if that makes sense. Kinda like a buy low to sell high. Perfect. So I can get that one fixed up pretty easy. I will basically just do those comparisons, update the plan for you at the same time as us calling the insurer and seeing if I can get the occupation rating updated, bit of an increased quote from Tal, which may take them about a week to send through to me. So I will get the team to give you a call in a in about a fortnight just to book you in to go through those figures with me. Beautiful. Do you have any questions for me at this point? Actually, I've got that open as well. Just bear with me two secs, Rob. So that review report that you got from from Connor in the pack, if you ever go into that one, just so you know sort of how to read these things, it's got two pages on your yeah. No. They're they're a bit fun to look at when it's just a table full of figures. It's not the most user friendly report. They are developing some nice nicer ones that kind of make a bit more sense, graphs and things like that, but this one can be a bit overwhelming. Alright. So when I look at all the options, so it's got two pages. First page has every option by themselves, and then the second page is the overall portfolio. So that ranges from Benelon being down 15%. And then on the upper side, your battery tech and electric vehicle shares are up 35%. So it kind of shows you how each one is going on that right hand column. And then overall, it shows a growth of about just under 7% for the year after fees, taxes, and premiums, which is just under 8,000 on top of the contribution. So it's about 22% below what we would have hoped for for the year. Yeah. Overall, like, it's probably affected it by that kind of one and a half percent to get it just below the benchmark. On top of that, that big drop we had in February, March when the Iran war kicked off kind of pulled everyone down about 7%, so it had to catch back up the last half of the year. And I guess the combination of both of those is what you're reading in those figures. Oh, no. One of the crazy things that happens sorry. Go go for it. Like, bottom of COVID or something. I'll give you two tips. Don't look at your super the day that the news comes out. That's that's a fast way for everyone to panic. And the second tip is so this is the funny thing about Supra is you've just hit that kind of 6 figure mark. You're over 100,000 now. When you hit the forties and you start cresting up to $3,400,000, you hit this weird period where all the returns are percentage based. So if it goes up ten, fifteen, 20% a year, now we're talking about $40.50, $60,000 swings up and down in a single year. But that also gets you from the 400,000 to the million. And then once you've got that at, like, 52, then you start reducing that growth allocation down from 80%, you know, shares to seventy, sixty, fifty, forty, just gradually in that last decade. And then you've essentially protected the million, and then you've got your nice healthy nest egg to retire on. It can earn a little bit. You can pull out a little bit to live on, and that's all good. But that period between kind of forty and fifty where you make the most gains, but you see the biggest swings, that's why we have these these risk profile questionnaires and risk discussions because it's all fun when you're 25, you've got $15 in super. Oh, you know, it goes up and down kind of thing. But when you're like, oh, my super is down $60,000 in four months, it becomes a little bit more real. Yeah. And, honestly, half my my career now, like, I'm coming on thirteen years, and half of it just seems to be trying to get people not to panic because people tend to not look at their super their whole life, and then you go pay a few thousand dollars for a financial adviser, and then you wanna look at it every day. And the moment you see it go down, you're panicking. But beforehand, when the world melted down, everyone didn't even look at it for three years and didn't even notice that it went down and back up again. Yeah. That that's always healthy. And bear in mind, we're not doing anything too crazy with the super where we're trying to risk a permanent loss that you can't recover from, and you're gonna have a horrible retirement. We're playing the law of averages over a long period of time. And that's why when people ask us, can you invest in crypto and silver and and these things that can go up and down 80% in a single year, we're just not doing that because you don't need to. My job is to get you from that kind of eight or 9% return to the ten, eleven, 12, and that compounds to an extra few $100,000 at the end. And now you're comfortable, now you're self funded, and we're just averaging out an extra couple of percent after everything's said and done. Cool. I will dive into that, get the quotes going. I will do the updated comparisons and show you both in the one updated document and projections. And the only thing that I might need is, again, yeah, they may need to call you just for a couple of extra health questions if I can get some of those loadings and exclusions updated along with your occupation rating. Perfect. And it means that you can I guess, the longevity of it too? Like, insurance isn't a fun thing to pay, especially when it's thousands of dollars. But the painful part is you pay it when it's $700, and then once it gets up to 4,000, you wanna cancel it. And then at those ages is when something happens to people. So if I can make it last an extra four or five years so it's there when you need it, but not dragging you away from hitting the goals, that's kind of the best of both worlds. Awesome. Any questions for me at this point, mate? Yep. Easy done. And I hope the the traffic's eased off a little bit for you now. Awesome. Well, I'm glad to have kept you company on this beautiful scenic drive. But if if you have anything else that pops up, please just give us a buzz, and you'll be hearing from us in in a few weeks' time. Awesome. Have a great day, mate. Thank you so oh, yeah. Go for it. Yes. Yeah. No. That's a great question. So when you got that pack email through, did it just have some pricing on there to do it, like, online? Gotcha. Yeah. I'll double check. I'll I'll I'm done off the top of my head, but what I'll do is as soon as I get off the call, I'll have a look at the pack that got sent out to you. I'll ask around the office to see if there's a a couples one that I can flick through. And if not, yeah, it may be a quick call to to that lawyer to see. But what I'll do is I'll double check, and I'll send you a text message. Easy done. Alright. So quotes, health, portfolio, and hopefully get the wheels and everything sorted. Did you need anything in terms of, like, beneficiary nominations, or that was all good? Yeah. Super and life insurance. Yep. We've got Katie on the super at the moment. Perfect. I don't have the light in front of me, but I'll double check it. I I believe so. But I'll just have a look just in case while I'm looking at the the the wheels and the pay EPOA. So when you've got a legally binding or nonbinding type, The nonbinding gives the trustee discretion. The binding is legally binding. The trustee has to do it. It's a lot more direct than a will. So for example, when wills happen, there's statutes of limitation for people to contest and all this kind of thing. The beneficiary nominations, they tend to just go like, here's my details. I'm listed on the form. Here's my partner's death certificate, and then they just do the transactions. Whether someone wants to try and fight about it afterwards, I just know beneficiaries a lot faster, a lot more direct to avoid a bit of that. Well, it is legally binding. It's nonlapsing, so it's not just gonna expire. And as long as she can just go through that process, I think she should be fine. Cool. Alright. Anything else you can think of? Beautiful. Alrighty. Well, thank you so much for your time today, and I look forward to catching up in a couple of weeks. Oh, awesome, mate. Have a great weekend. 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day, Rob. Tommy here from Oakview Financial Bank, senior adviser. How are you doing? I'm living the dream. It's a beautiful day on the Gold Coast.\n\nWhat about your end? Oh, no. School traffic at the end of the day. I'm sorry, mate. Everyone's horrid.\n\nCool, mate. I just had a a couple of minutes to chat to you about the, the super and the insurances from your conversation with Connor. Do you have a a bit of time for me now while you're stuck? Cool. So before I dive into it, just to let you know, I'm registered with ASIC as Adviser 1273105.\n\nJust for security, could I get your date of birth and address? Sensational. And are you okay for the call to be recorded? Perfect, mate. So one of the things I was having a look at before the call was you've had some improvements in your your duties at your occupation now that you're a supervisor.\n\nSo really good thing about that is that once you get, I guess, quote unquote, off the tools and go into a more supervisory position, it improves your occupation rating that affects all of the prices. So yes. And that's exactly what we want, isn't it? So what I'm kinda looking at is you're you're technically at a double b rating at the moment. It kind of goes b, double b, triple b, and then goes to a.\n\nYou're at a double b at the moment as you're previously kind of like the machinist, and they're linking in with metal and wood industry. That was kind of the overall category you fell into. Oh, income's gone up from 80 to 94. And based on the duties that I've got here, 75% office, 25% of the time on the shop, but not doing any tools, you'd be looking at either a so no tools at all. Yeah.\n\nCool. So when we call through to the insurers, you're either gonna be late listed as a triple b or an a rating. Either one's gonna get you a nice nice chunk saved. So that one's nice and easy. We're gonna call Tal, your current insurer, and see if we can kind of negotiate that one down a little bit.\n\nOn the flip side as well, I'm just having a look at the exclusions there, just a bit of health details, couple of things here. Let me just have a quick look at the the current amount. But it seems like from your conversation with with Connor that you were kind of happy with the amounts of, like, life insurance that you've got. Mhmm. Beautiful.\n\nCool. And added on top of that, in those events, the super comes into play as well. Perfect. So the the current premium is a little bit over 3,000. They dropped to $2.06 after the 15% rebate.\n\nAnd then once we get that occupation rating fixed up, it wouldn't surprise me if it dropped another $4,500 at least. Maybe a bit more if we can get an a rate. What I'm sort of thinking too is just double check on your your income protection. Now this one's purely up to you on this, but the maximum you can ensure for is 70% of your increased income. So you currently got 4,950 a month worth of cover, which basically gives you a thousand bucks a week after tax a little bit more.\n\nWhat I'm kinda thinking expenses wise is the maximum you could do is 5,400 a month, which is like an extra, you know, $100 a week, something like that. So were you wanting me to look at that? Yeah. Okay. Yeah.\n\nSo probably it's pretty important just to get that that maximum amount if we can. Beautiful. So I'll do a bit of an alteration quote with them. And then it's just working through a bit of the health details and your super portfolio. So I'll give a bit of a call around for them, but I'm just having a look at the the back exclusion that you had at the time.\n\nLumbosacral. So I think they're talking about the lower back here, and it just says here that you've been pretty sweet on the wall. Yep. Awesome. So no time off work.\n\nIf anything, usual aches and pains anyone else gets in terms of, you know, bit of neurofen or something if you if the body's a bit sore for the day. Cool. So all I can really do there is we'll give Tal a call, and I'm basically gonna say, hey. Can you guys look at that original application based on five years of symptoms and treatment free. Is this reviewable?\n\nCan we get that cleaned off? Or is there something underlying there that they, you know, put a permanent flag on? But it's basically just making the call and seeing what we can do on that one. They may ask a few further details. So if if they do, you're right for the team to give you a quick buzz and and get a few things from you either.\n\nYep. Perfect. Yeah. Tal's been pretty big on, like, the old BMI discounts. They call it a HealthSense discount.\n\nSo I am gonna also flag with them the the 12 kegs that you you lost over the last year or so and see if that moves you into a a better category there as well. Yeah. And one of the things that happens, unfortunately, is in that first twelve months, they do something called add backs where they go, oh, you've lost x amount of kilos. We add 50% back on until it's been kept off for more than twelve months. So it's one of those things where either I can review it now or failing that six to twelve months time, it'll be a green light straight away.\n\nCool. And the last one is the the reflux. Good. Gotcha. Perfect.\n\nSo I'm gonna have a look. I'm just gonna look in through the previous application to see if I can see what's in there. But I will give them a call, and I'll I'll kind of ask the question on that one as well because it may be a combination of, like, BMI and the Gord might be leading to that loading. And if I can get that loading off, you're gonna have a huge savings. Like, if we if we get the occupation rating improved and the 50% loading off, you you drop to, like, a little over a thousand bucks.\n\nSo, again, whether it's right now, but yeah. Yeah. And I think that'll just it compounds. Right? Because whatever we save on those fees, they get invested, and then that grows over the years too.\n\nAlright. Let's have a look here. Just bear with me for two seconds, but I do apologize. I'm just looking through this 21 page application here. Just trying to find those questions.\n\nBecause you've already gone through, like, blood test, everything. K. Alright. I've also been looking at the portfolio as well. Just looking at a few updates there.\n\nJust while I'm having a look for the the Gordon, so do you have any preference between like, so when it comes to the super investments with Hub, they've got kind of the the most investment options out there for the industry. So I'm gonna be sifting through about 1,300 of them, and I've got my metrics on how to kind of whittle that down a little bit. What I'm sort of thinking, though, is we can kind of go two main styles. We can replace them with lower fee options that follow the market very closely in that asset class, like the stock market, gold market, and so on, or we can stay in that pay higher fees, try and get a higher return style as well. Do you have a strong leaning between the two?\n\nYeah. Perfect. Perfect. So what that means sorry. Can you say that last bit again?\n\nYeah. I'm having a look at your your, like, your risk profile at the moment. And because you're kind of in that that growth risk profile, you're not high risk. You've got that 80% in growth assets where you've still got a decent chunk in the safer side of things. And then what that means is if I go that direction that you just said for the replacement option, it means just one option stays in that style.\n\nAnd if that one option kind of blows up, it's only a small portion of your overall balance. No. I knew exactly what you're talking about. Exactly. So what we'll do is we've got this core and satellite approach going with yours where there's a whole group of small amounts in these different sectors and countries and things.\n\nSo if one of those goes sour, it's not impacting the overall balance. You've still got a steady ship in the middle, and we can kind of afford to take a little bit more risk on one option, but without increasing your entire risk profile from, like, a four to a five out of five. Perfect. And that ties in pretty well, like you said, retirement's ages away. So we've got decades up our sleeve.\n\nIf we need to review it next year, we can always bump things up and down as we need to. And for this, it's really just an engine tune up because there's a couple of options that, you know, they haven't been doing what we expected them to do. So I need to kind of slot someone in who is yeah. That's the one. Ben along.\n\nYeah. There's there's Benelon is the main one where it's kind of shot off in in in an odd direction. Like, it's dropped a bit faster than the other ones in its group, and it hasn't kind of caught back up the way it should have. Yeah. We've been talking with the investment committee about a few options we've been researching, and that's kind of why I asked that style question before because if there's three or four I narrow it down to, I wanna make sure that I'm kind of tailoring the super to behave in a way that you expect, if that makes sense.\n\nAnd the other thing too, this one's a little bit out of left field, but the government's phasing out a specific type of term deposit called a bank hybrid that you do have. That one's easy. I basically just need to switch that out with another type of term deposit that's not being phased out. Yeah. Nothing crazy.\n\nAnd oddly enough, I know in Australia, property is kind of like the one asset to invest in in Australia, but your your property option, unfortunately, invests in property companies. And since the government did that new legislation for capital gains tax and negative gearing, those companies are starting to go under and reduce profits and activity. So they're getting hit hard, and there's no good kind of property like, there's no direct property fund I can slot it into so you get the growth of the market. I basically need to keep you away from those companies as well. Easy done.\n\nI've got a few few different options in different areas that we might be able to just diversify you into a little bit. And one thing I need to do as well is also we call it like a rebalance. So because you've got eight options there, some of them go up, some of them go down. Maybe we originally said that you should have 7% of your money in this 7% in that one. And if one's gone up to nine, one's gone down to six, we need to just kind of bring them back to their original weightings, if that makes sense.\n\nKinda like a buy low to sell high. Perfect. So I can get that one fixed up pretty easy. I will basically just do those comparisons, update the plan for you at the same time as us calling the insurer and seeing if I can get the occupation rating updated, bit of an increased quote from Tal, which may take them about a week to send through to me. So I will get the team to give you a call in a in about a fortnight just to book you in to go through those figures with me.\n\nBeautiful. Do you have any questions for me at this point? Actually, I've got that open as well. Just bear with me two secs, Rob. So that review report that you got from from Connor in the pack, if you ever go into that one, just so you know sort of how to read these things, it's got two pages on your yeah.\n\nNo. They're they're a bit fun to look at when it's just a table full of figures. It's not the most user friendly report. They are developing some nice nicer ones that kind of make a bit more sense, graphs and things like that, but this one can be a bit overwhelming. Alright.\n\nSo when I look at all the options, so it's got two pages. First page has every option by themselves, and then the second page is the overall portfolio. So that ranges from Benelon being down 15%. And then on the upper side, your battery tech and electric vehicle shares are up 35%. So it kind of shows you how each one is going on that right hand column.\n\nAnd then overall, it shows a growth of about just under 7% for the year after fees, taxes, and premiums, which is just under 8,000 on top of the contribution. So it's about 22% below what we would have hoped for for the year. Yeah. Overall, like, it's probably affected it by that kind of one and a half percent to get it just below the benchmark. On top of that, that big drop we had in February, March when the Iran war kicked off kind of pulled everyone down about 7%, so it had to catch back up the last half of the year.\n\nAnd I guess the combination of both of those is what you're reading in those figures. Oh, no. One of the crazy things that happens sorry. Go go for it. Like, bottom of COVID or something.\n\nI'll give you two tips. Don't look at your super the day that the news comes out. That's that's a fast way for everyone to panic. And the second tip is so this is the funny thing about Supra is you've just hit that kind of 6 figure mark. You're over 100,000 now.\n\nWhen you hit the forties and you start cresting up to $3,400,000, you hit this weird period where all the returns are percentage based. So if it goes up ten, fifteen, 20% a year, now we're talking about $40.50, $60,000 swings up and down in a single year. But that also gets you from the 400,000 to the million. And then once you've got that at, like, 52, then you start reducing that growth allocation down from 80%, you know, shares to seventy, sixty, fifty, forty, just gradually in that last decade. And then you've essentially protected the million, and then you've got your nice healthy nest egg to retire on.\n\nIt can earn a little bit. You can pull out a little bit to live on, and that's all good. But that period between kind of forty and fifty where you make the most gains, but you see the biggest swings, that's why we have these these risk profile questionnaires and risk discussions because it's all fun when you're 25, you've got $15 in super. Oh, you know, it goes up and down kind of thing. But when you're like, oh, my super is down $60,000 in four months, it becomes a little bit more real.\n\nYeah. And, honestly, half my my career now, like, I'm coming on thirteen years, and half of it just seems to be trying to get people not to panic because people tend to not look at their super their whole life, and then you go pay a few thousand dollars for a financial adviser, and then you wanna look at it every day. And the moment you see it go down, you're panicking. But beforehand, when the world melted down, everyone didn't even look at it for three years and didn't even notice that it went down and back up again. Yeah.\n\nThat that's always healthy. And bear in mind, we're not doing anything too crazy with the super where we're trying to risk a permanent loss that you can't recover from, and you're gonna have a horrible retirement. We're playing the law of averages over a long period of time. And that's why when people ask us, can you invest in crypto and silver and and these things that can go up and down 80% in a single year, we're just not doing that because you don't need to. My job is to get you from that kind of eight or 9% return to the ten, eleven, 12, and that compounds to an extra few $100,000 at the end.\n\nAnd now you're comfortable, now you're self funded, and we're just averaging out an extra couple of percent after everything's said and done. Cool. I will dive into that, get the quotes going. I will do the updated comparisons and show you both in the one updated document and projections. And the only thing that I might need is, again, yeah, they may need to call you just for a couple of extra health questions if I can get some of those loadings and exclusions updated along with your occupation rating.\n\nPerfect. And it means that you can I guess, the longevity of it too? Like, insurance isn't a fun thing to pay, especially when it's thousands of dollars. But the painful part is you pay it when it's $700, and then once it gets up to 4,000, you wanna cancel it. And then at those ages is when something happens to people.\n\nSo if I can make it last an extra four or five years so it's there when you need it, but not dragging you away from hitting the goals, that's kind of the best of both worlds. Awesome. Any questions for me at this point, mate? Yep. Easy done.\n\nAnd I hope the the traffic's eased off a little bit for you now. Awesome. Well, I'm glad to have kept you company on this beautiful scenic drive. But if if you have anything else that pops up, please just give us a buzz, and you'll be hearing from us in in a few weeks' time. Awesome.\n\nHave a great day, mate. Thank you so oh, yeah. Go for it. Yes. Yeah.\n\nNo. That's a great question. So when you got that pack email through, did it just have some pricing on there to do it, like, online? Gotcha. Yeah.\n\nI'll double check. I'll I'll I'm done off the top of my head, but what I'll do is as soon as I get off the call, I'll have a look at the pack that got sent out to you. I'll ask around the office to see if there's a a couples one that I can flick through. And if not, yeah, it may be a quick call to to that lawyer to see. But what I'll do is I'll double check, and I'll send you a text message.\n\nEasy done. Alright. So quotes, health, portfolio, and hopefully get the wheels and everything sorted. Did you need anything in terms of, like, beneficiary nominations, or that was all good? Yeah.\n\nSuper and life insurance. Yep. We've got Katie on the super at the moment. Perfect. I don't have the light in front of me, but I'll double check it.\n\nI I believe so. But I'll just have a look just in case while I'm looking at the the the wheels and the pay EPOA. So when you've got a legally binding or nonbinding type, The nonbinding gives the trustee discretion. The binding is legally binding. The trustee has to do it.\n\nIt's a lot more direct than a will. So for example, when wills happen, there's statutes of limitation for people to contest and all this kind of thing. The beneficiary nominations, they tend to just go like, here's my details. I'm listed on the form. Here's my partner's death certificate, and then they just do the transactions.\n\nWhether someone wants to try and fight about it afterwards, I just know beneficiaries a lot faster, a lot more direct to avoid a bit of that. Well, it is legally binding. It's nonlapsing, so it's not just gonna expire. And as long as she can just go through that process, I think she should be fine. Cool.\n\nAlright. Anything else you can think of? Beautiful. Alrighty. Well, thank you so much for your time today, and I look forward to catching up in a couple of weeks.\n\nOh, awesome, mate. Have a great weekend. Cheers.","paragraphs":[{"sentences":[{"text":"Good day, Rob.","start":3.36,"end":4.0,"sentiment":"positive","sentiment_score":0.44960464040438336},{"text":"Tommy here from Oakview Financial Bank, senior adviser.","start":4.0,"end":6.72,"sentiment":"positive","sentiment_score":0.3510558120906353},{"text":"How are you doing?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.2713687978684902},{"text":"I'm living the dream.","start":9.76,"end":10.639999,"sentiment":"positive","sentiment_score":0.6713098436594009},{"text":"It's a beautiful day on the Gold Coast.","start":10.639999,"end":12.08,"sentiment":"positive","sentiment_score":0.7351581826806068}],"sentiment":"positive","sentiment_score":0.5114533498331353,"num_words":27,"start":3.36,"end":12.08},{"sentences":[{"text":"What about your end?","start":12.08,"end":12.885,"sentiment":"neutral","sentiment_score":0.12499551195651293},{"text":"Oh, no.","start":18.085,"end":18.905,"sentiment":"negative","sentiment_score":-0.3851844072341919},{"text":"School traffic at the end of the day.","start":19.525,"end":21.045,"sentiment":"negative","sentiment_score":-0.4268091209232807},{"text":"I'm sorry, mate.","start":21.045,"end":21.845001,"sentiment":"negative","sentiment_score":-0.4402230381965637},{"text":"Everyone's horrid.","start":21.845001,"end":22.825,"sentiment":"negative","sentiment_score":-0.6967858970165253}],"sentiment":"negative","sentiment_score":-0.33679477066585894,"num_words":19,"start":12.08,"end":22.825},{"sentences":[{"text":"Cool, mate.","start":26.325,"end":26.885,"sentiment":"neutral","sentiment_score":0.3312736451625824},{"text":"I just had a a couple of minutes to chat to you about the, the super and the insurances from your conversation with Connor.","start":26.885,"end":33.6,"sentiment":"neutral","sentiment_score":0.14888120473672947},{"text":"Do you have a a bit of time for me now while you're stuck?","start":33.82,"end":36.72,"sentiment":"neutral","sentiment_score":0.02780213093917285},{"text":"Cool.","start":38.78,"end":39.18,"sentiment":"neutral","sentiment_score":0.17782428860664368},{"text":"So before I dive into it, just to let you know, I'm registered with ASIC as Adviser 1273105.","start":39.18,"end":45.525,"sentiment":"neutral","sentiment_score":0.06240665747059716}],"sentiment":"neutral","sentiment_score":0.10044186712258447,"num_words":59,"start":26.325,"end":45.525},{"sentences":[{"text":"Just for security, could I get your date of birth and address?","start":46.065002,"end":49.525,"sentiment":"neutral","sentiment_score":0.027790172879273694},{"text":"Sensational.","start":56.190002,"end":56.670002,"sentiment":"neutral","sentiment_score":0.007033646106719971},{"text":"And are you okay for the call to be recorded?","start":56.670002,"end":58.53,"sentiment":"neutral","sentiment_score":0.012939191237092019},{"text":"Perfect, mate.","start":60.670002,"end":61.55,"sentiment":"positive","sentiment_score":0.3736831694841385},{"text":"So one of the things I was having a look at before the call was you've had some improvements in your your duties at your occupation now that you're a supervisor.","start":61.55,"end":71.09,"sentiment":"neutral","sentiment_score":0.13047179603768932}],"sentiment":"neutral","sentiment_score":0.09396249373509948,"num_words":56,"start":46.065002,"end":71.09},{"sentences":[{"text":"So really good thing about that is that once you get, I guess, quote unquote, off the tools and go into a more supervisory position, it improves your occupation rating that affects all of the prices.","start":73.095,"end":85.77,"sentiment":"neutral","sentiment_score":0.20368889367414844},{"text":"So yes.","start":88.81,"end":91.369995,"sentiment":"neutral","sentiment_score":0.028271231800317764},{"text":"And that's exactly what we want, isn't it?","start":91.369995,"end":93.39,"sentiment":"neutral","sentiment_score":0.08754374692216516},{"text":"So what I'm kinda looking at is you're you're technically at a double b rating at the moment.","start":95.13,"end":102.155,"sentiment":"neutral","sentiment_score":-0.018652939341134496},{"text":"It kind of goes b, double b, triple b, and then goes to a.","start":102.155,"end":106.015,"sentiment":"neutral","sentiment_score":-0.009112681977317802}],"sentiment":"neutral","sentiment_score":0.09777387378749271,"num_words":78,"start":73.095,"end":106.015},{"sentences":[{"text":"You're at a double b at the moment as you're previously kind of like the machinist, and they're linking in with metal and wood industry.","start":106.555,"end":114.0,"sentiment":"neutral","sentiment_score":-0.044784768335521224},{"text":"That was kind of the overall category you fell into.","start":114.14,"end":117.28,"sentiment":"neutral","sentiment_score":-0.04925714749842882},{"text":"Oh, income's gone up from 80 to 94.","start":120.94,"end":123.520004,"sentiment":"neutral","sentiment_score":0.001809827212127857},{"text":"And based on the duties that I've got here, 75% office, 25% of the time on the shop, but not doing any tools, you'd be looking at either a so no tools at all.","start":124.075005,"end":137.855,"sentiment":"neutral","sentiment_score":-0.04385192473145092},{"text":"Yeah.","start":144.14,"end":144.45999,"sentiment":"neutral","sentiment_score":0.0780033990740776}],"sentiment":"neutral","sentiment_score":-0.03859838599321218,"num_words":78,"start":106.555,"end":144.45999},{"sentences":[{"text":"Cool.","start":144.45999,"end":144.93999,"sentiment":"neutral","sentiment_score":0.16959252953529358},{"text":"So when we call through to the insurers, you're either gonna be late listed as a triple b or an a rating.","start":144.93999,"end":152.07999,"sentiment":"neutral","sentiment_score":0.03768714094026522},{"text":"Either one's gonna get you a nice nice chunk saved.","start":152.21999,"end":157.82501,"sentiment":"neutral","sentiment_score":0.2017291821539402},{"text":"So that one's nice and easy.","start":157.88501,"end":159.24501,"sentiment":"positive","sentiment_score":0.6179059247175852},{"text":"We're gonna call Tal, your current insurer, and see if we can kind of negotiate that one down a little bit.","start":159.24501,"end":166.47,"sentiment":"neutral","sentiment_score":0.13019746648413794}],"sentiment":"neutral","sentiment_score":0.1576263966038823,"num_words":60,"start":144.45999,"end":166.47},{"sentences":[{"text":"On the flip side as well, I'm just having a look at the exclusions there, just a bit of health details, couple of things here.","start":169.03,"end":177.93001,"sentiment":"neutral","sentiment_score":-0.011052232061047107},{"text":"Let me just have a quick look at the the current amount.","start":178.47,"end":181.13,"sentiment":"neutral","sentiment_score":0.03557375896101197},{"text":"But it seems like from your conversation with with Connor that you were kind of happy with the amounts of, like, life insurance that you've got.","start":181.455,"end":189.555,"sentiment":"neutral","sentiment_score":0.08600920352798241},{"text":"Mhmm.","start":198.26999,"end":198.76999,"sentiment":"neutral","sentiment_score":0.0007666945457458496},{"text":"Beautiful.","start":218.525,"end":219.025,"sentiment":"positive","sentiment_score":0.5945199728012085}],"sentiment":"neutral","sentiment_score":0.04587854253969943,"num_words":65,"start":169.03,"end":219.025},{"sentences":[{"text":"Cool.","start":223.70999,"end":224.03,"sentiment":"positive","sentiment_score":0.4509925246238709},{"text":"And added on top of that, in those events, the super comes into play as well.","start":224.03,"end":228.76999,"sentiment":"neutral","sentiment_score":0.2347218506038189},{"text":"Perfect.","start":232.11,"end":232.59,"sentiment":"positive","sentiment_score":0.38581371307373047},{"text":"So the the current premium is a little bit over 3,000.","start":232.59,"end":236.395,"sentiment":"neutral","sentiment_score":0.07561519572680647},{"text":"They dropped to $2.06 after the 15% rebate.","start":236.395,"end":239.375,"sentiment":"neutral","sentiment_score":0.007086108613293618}],"sentiment":"neutral","sentiment_score":0.1481300505205385,"num_words":37,"start":223.70999,"end":239.375},{"sentences":[{"text":"And then once we get that occupation rating fixed up, it wouldn't surprise me if it dropped another $4,500 at least.","start":239.515,"end":246.15,"sentiment":"neutral","sentiment_score":-0.09432637097225302},{"text":"Maybe a bit more if we can get an a rate.","start":246.70999,"end":248.81,"sentiment":"neutral","sentiment_score":-0.05393552797084505},{"text":"What I'm sort of thinking too is just double check on your your income protection.","start":251.98999,"end":256.97,"sentiment":"neutral","sentiment_score":0.03411198904116949},{"text":"Now this one's purely up to you on this, but the maximum you can ensure for is 70% of your increased income.","start":257.43,"end":265.915,"sentiment":"neutral","sentiment_score":0.13539971682158383},{"text":"So you currently got 4,950 a month worth of cover, which basically gives you a thousand bucks a week after tax a little bit more.","start":266.375,"end":274.94998,"sentiment":"neutral","sentiment_score":0.16168964385986329}],"sentiment":"neutral","sentiment_score":0.05275074578821659,"num_words":94,"start":239.515,"end":274.94998},{"sentences":[{"text":"What I'm kinda thinking expenses wise is the maximum you could do is 5,400 a month, which is like an extra, you know, $100 a week, something like that.","start":278.28998,"end":287.09,"sentiment":"neutral","sentiment_score":0.042486920503192936},{"text":"So were you wanting me to look at that?","start":287.09,"end":290.225,"sentiment":"neutral","sentiment_score":-0.035849585508306824},{"text":"Yeah.","start":306.53998,"end":307.03998,"sentiment":"neutral","sentiment_score":0.021412020549178123},{"text":"Okay.","start":316.23502,"end":316.475,"sentiment":"neutral","sentiment_score":0.06147600337862968},{"text":"Yeah.","start":316.475,"end":316.715,"sentiment":"neutral","sentiment_score":0.06123333424329758}],"sentiment":"neutral","sentiment_score":0.02569745812655949,"num_words":41,"start":278.28998,"end":316.715},{"sentences":[{"text":"So probably it's pretty important just to get that that maximum amount if we can.","start":316.715,"end":320.895,"sentiment":"neutral","sentiment_score":0.0879976399242878},{"text":"Beautiful.","start":325.355,"end":325.83,"sentiment":"positive","sentiment_score":0.6636173725128174},{"text":"So I'll do a bit of an alteration quote with them.","start":325.83,"end":328.25,"sentiment":"neutral","sentiment_score":0.3228190405802293},{"text":"And then it's just working through a bit of the health details and your super portfolio.","start":329.18997,"end":333.05,"sentiment":"neutral","sentiment_score":0.28417754638940096},{"text":"So I'll give a bit of a call around for them, but I'm just having a look at the the back exclusion that you had at the time.","start":333.99,"end":341.255,"sentiment":"neutral","sentiment_score":0.017922839016786644}],"sentiment":"neutral","sentiment_score":0.14906016411915632,"num_words":71,"start":316.715,"end":341.255},{"sentences":[{"text":"Lumbosacral.","start":343.155,"end":343.655,"sentiment":"neutral","sentiment_score":0.04258153587579727},{"text":"So I think they're talking about the lower back here, and it just says here that you've been pretty sweet on the wall.","start":344.115,"end":349.655,"sentiment":"neutral","sentiment_score":0.25326910112863},{"text":"Yep.","start":368.465,"end":368.965,"sentiment":"neutral","sentiment_score":0.07726529240608215},{"text":"Awesome.","start":383.6,"end":384.08002,"sentiment":"positive","sentiment_score":0.6007013320922852},{"text":"So no time off work.","start":384.08002,"end":385.94,"sentiment":"neutral","sentiment_score":0.24690439701080322}],"sentiment":"neutral","sentiment_score":0.2509761119802152,"num_words":31,"start":343.155,"end":385.94},{"sentences":[{"text":"If anything, usual aches and pains anyone else gets in terms of, you know, bit of neurofen or something if you if the body's a bit sore for the day.","start":386.0,"end":393.755,"sentiment":"neutral","sentiment_score":-0.0507340220734477},{"text":"Cool.","start":395.975,"end":396.295,"sentiment":"neutral","sentiment_score":0.2781943082809448},{"text":"So all I can really do there is we'll give Tal a call, and I'm basically gonna say, hey.","start":396.295,"end":400.935,"sentiment":"neutral","sentiment_score":0.19800226390361786},{"text":"Can you guys look at that original application based on five years of symptoms and treatment free.","start":400.935,"end":407.84003,"sentiment":"neutral","sentiment_score":0.08174544835791868},{"text":"Is this reviewable?","start":407.90002,"end":408.88,"sentiment":"neutral","sentiment_score":0.03351729984084765}],"sentiment":"neutral","sentiment_score":0.057263445455048766,"num_words":70,"start":386.0,"end":408.88},{"sentences":[{"text":"Can we get that cleaned off?","start":409.1,"end":410.72,"sentiment":"neutral","sentiment_score":-0.037476311748226486},{"text":"Or is there something underlying there that they, you know, put a permanent flag on?","start":411.02002,"end":415.66,"sentiment":"neutral","sentiment_score":-0.06255013818542163},{"text":"But it's basically just making the call and seeing what we can do on that one.","start":415.66,"end":419.835,"sentiment":"neutral","sentiment_score":0.14724918361753225},{"text":"They may ask a few further details.","start":422.875,"end":425.675,"sentiment":"neutral","sentiment_score":-0.000632051910672869},{"text":"So if if they do, you're right for the team to give you a quick buzz and and get a few things from you either.","start":425.675,"end":430.57498,"sentiment":"neutral","sentiment_score":0.05523436225950718}],"sentiment":"neutral","sentiment_score":0.037236401271344956,"num_words":69,"start":409.1,"end":430.57498},{"sentences":[{"text":"Yep.","start":430.79498,"end":431.29498,"sentiment":"neutral","sentiment_score":0.08903669565916061},{"text":"Perfect.","start":433.35498,"end":433.85498,"sentiment":"positive","sentiment_score":0.4851003885269165},{"text":"Yeah.","start":450.435,"end":450.935,"sentiment":"neutral","sentiment_score":0.15750086307525635},{"text":"Tal's been pretty big on, like, the old BMI discounts.","start":451.555,"end":454.85498,"sentiment":"neutral","sentiment_score":0.059407292678952214},{"text":"They call it a HealthSense discount.","start":456.035,"end":457.895,"sentiment":"neutral","sentiment_score":0.04611715798576673}],"sentiment":"neutral","sentiment_score":0.08433756957712926,"num_words":19,"start":430.79498,"end":457.895},{"sentences":[{"text":"So I am gonna also flag with them the the 12 kegs that you you lost over the last year or so and see if that moves you into a a better category there as well.","start":459.01,"end":469.43,"sentiment":"neutral","sentiment_score":0.07277428511426681},{"text":"Yeah.","start":476.065,"end":476.465,"sentiment":"neutral","sentiment_score":-0.010248921811580658},{"text":"And one of the things that happens, unfortunately, is in that first twelve months, they do something called add backs where they go, oh, you've lost x amount of kilos.","start":476.465,"end":484.65,"sentiment":"neutral","sentiment_score":-0.13055994013945263},{"text":"We add 50% back on until it's been kept off for more than twelve months.","start":484.65,"end":489.05,"sentiment":"neutral","sentiment_score":-0.10055876200397809},{"text":"So it's one of those things where either I can review it now or failing that six to twelve months time, it'll be a green light straight away.","start":489.05,"end":497.63,"sentiment":"neutral","sentiment_score":-0.1300745720842055}],"sentiment":"neutral","sentiment_score":-0.058705839184536174,"num_words":110,"start":459.01,"end":497.63},{"sentences":[{"text":"Cool.","start":500.415,"end":500.915,"sentiment":"neutral","sentiment_score":0.238894447684288},{"text":"And the last one is the the reflux.","start":501.61502,"end":504.67502,"sentiment":"neutral","sentiment_score":0.0673723267391324},{"text":"Good.","start":505.295,"end":505.795,"sentiment":"positive","sentiment_score":0.3541695177555084},{"text":"Gotcha.","start":524.57,"end":525.07,"sentiment":"neutral","sentiment_score":0.0941898375749588},{"text":"Perfect.","start":531.345,"end":531.845,"sentiment":"positive","sentiment_score":0.5557067394256592}],"sentiment":"neutral","sentiment_score":0.1484949296961228,"num_words":12,"start":500.415,"end":531.845},{"sentences":[{"text":"So I'm gonna have a look.","start":531.90497,"end":532.865,"sentiment":"neutral","sentiment_score":0.19134359310070673},{"text":"I'm just gonna look in through the previous application to see if I can see what's in there.","start":532.865,"end":537.96,"sentiment":"neutral","sentiment_score":0.11917078784770435},{"text":"But I will give them a call, and I'll I'll kind of ask the question on that one as well because it may be a combination of, like, BMI and the Gord might be leading to that loading.","start":538.52,"end":548.7,"sentiment":"neutral","sentiment_score":0.07272531523516304},{"text":"And if I can get that loading off, you're gonna have a huge savings.","start":549.0,"end":552.36005,"sentiment":"neutral","sentiment_score":0.2964047927941595},{"text":"Like, if we if we get the occupation rating improved and the 50% loading off, you you drop to, like, a little over a thousand bucks.","start":552.36005,"end":559.955,"sentiment":"neutral","sentiment_score":0.2597391250041815}],"sentiment":"neutral","sentiment_score":0.1662704124316281,"num_words":102,"start":531.90497,"end":559.955},{"sentences":[{"text":"So, again, whether it's right now, but yeah.","start":562.895,"end":567.99,"sentiment":"neutral","sentiment_score":0.04697398096323013},{"text":"Yeah.","start":568.07,"end":568.23,"sentiment":"neutral","sentiment_score":0.0930330455303192},{"text":"And I think that'll just it compounds.","start":568.23,"end":569.99,"sentiment":"neutral","sentiment_score":0.07581146274294172},{"text":"Right?","start":569.99,"end":570.31,"sentiment":"neutral","sentiment_score":0.13162024319171906},{"text":"Because whatever we save on those fees, they get invested, and then that grows over the years too.","start":570.31,"end":574.97,"sentiment":"neutral","sentiment_score":0.17519686164127457}],"sentiment":"neutral","sentiment_score":0.12241911100489752,"num_words":35,"start":562.895,"end":574.97},{"sentences":[{"text":"Alright.","start":577.35,"end":577.67,"sentiment":"neutral","sentiment_score":0.06474091857671738},{"text":"Let's have a look here.","start":577.67,"end":578.97,"sentiment":"neutral","sentiment_score":0.04881773814558983},{"text":"Just bear with me for two seconds, but I do apologize.","start":579.02997,"end":581.29,"sentiment":"neutral","sentiment_score":-0.0429880405691537},{"text":"I'm just looking through this 21 page application here.","start":581.35,"end":584.515,"sentiment":"neutral","sentiment_score":0.11201559586657418},{"text":"Just trying to find those questions.","start":584.515,"end":586.615,"sentiment":"neutral","sentiment_score":0.09598186860481898}],"sentiment":"neutral","sentiment_score":0.04437477304600179,"num_words":32,"start":577.35,"end":586.615},{"sentences":[{"text":"Because you've already gone through, like, blood test, everything.","start":588.915,"end":591.575,"sentiment":"neutral","sentiment_score":0.19524441990587446},{"text":"K.","start":600.51996,"end":600.76,"sentiment":"neutral","sentiment_score":0.08343543857336044},{"text":"Alright.","start":600.76,"end":601.26,"sentiment":"neutral","sentiment_score":0.16130506992340088},{"text":"I've also been looking at the portfolio as well.","start":601.64,"end":604.14,"sentiment":"neutral","sentiment_score":0.15395727422502306},{"text":"Just looking at a few updates there.","start":604.27997,"end":606.14,"sentiment":"neutral","sentiment_score":0.15796607519899095}],"sentiment":"neutral","sentiment_score":0.16641919563213983,"num_words":27,"start":588.915,"end":606.14},{"sentences":[{"text":"Just while I'm having a look for the the Gordon, so do you have any preference between like, so when it comes to the super investments with Hub, they've got kind of the the most investment options out there for the industry.","start":607.95996,"end":621.735,"sentiment":"neutral","sentiment_score":0.17650886891143663},{"text":"So I'm gonna be sifting through about 1,300 of them, and I've got my metrics on how to kind of whittle that down a little bit.","start":622.035,"end":628.92004,"sentiment":"neutral","sentiment_score":0.05653806030750275},{"text":"What I'm sort of thinking, though, is we can kind of go two main styles.","start":629.46,"end":633.48004,"sentiment":"neutral","sentiment_score":0.12355013887087504},{"text":"We can replace them with lower fee options that follow the market very closely in that asset class, like the stock market, gold market, and so on, or we can stay in that pay higher fees, try and get a higher return style as well.","start":633.86005,"end":649.71,"sentiment":"neutral","sentiment_score":0.2198570978310373},{"text":"Do you have a strong leaning between the two?","start":650.27,"end":652.30005,"sentiment":"neutral","sentiment_score":0.08351307031181124}],"sentiment":"neutral","sentiment_score":0.15607154146380667,"num_words":137,"start":607.95996,"end":652.30005},{"sentences":[{"text":"Yeah.","start":672.44495,"end":672.94495,"sentiment":"neutral","sentiment_score":-0.08968088775873184},{"text":"Perfect.","start":680.22,"end":680.72,"sentiment":"neutral","sentiment_score":0.2130814641714096},{"text":"Perfect.","start":680.86,"end":681.33997,"sentiment":"neutral","sentiment_score":0.19892998039722443},{"text":"So what that means sorry.","start":681.33997,"end":684.3,"sentiment":"neutral","sentiment_score":-0.03586880192160606},{"text":"Can you say that last bit again?","start":684.3,"end":685.755,"sentiment":"neutral","sentiment_score":-0.04341890583080905}],"sentiment":"neutral","sentiment_score":-0.010729719574252764,"num_words":15,"start":672.44495,"end":685.755},{"sentences":[{"text":"Yeah.","start":696.795,"end":697.295,"sentiment":"neutral","sentiment_score":0.03012748435139656},{"text":"I'm having a look at your your, like, your risk profile at the moment.","start":698.635,"end":701.58,"sentiment":"neutral","sentiment_score":-0.01176917233637401},{"text":"And because you're kind of in that that growth risk profile, you're not high risk.","start":701.58,"end":705.66,"sentiment":"neutral","sentiment_score":-0.045935128505031265},{"text":"You've got that 80% in growth assets where you've still got a decent chunk in the safer side of things.","start":705.66,"end":711.98,"sentiment":"neutral","sentiment_score":0.1967050652951002},{"text":"And then what that means is if I go that direction that you just said for the replacement option, it means just one option stays in that style.","start":711.98,"end":721.435,"sentiment":"neutral","sentiment_score":0.11410448287746736}],"sentiment":"neutral","sentiment_score":0.08083793551971515,"num_words":78,"start":696.795,"end":721.435},{"sentences":[{"text":"And if that one option kind of blows up, it's only a small portion of your overall balance.","start":721.495,"end":726.075,"sentiment":"neutral","sentiment_score":-0.004152071093105608},{"text":"No.","start":734.45,"end":734.61,"sentiment":"neutral","sentiment_score":-0.1087540090084076},{"text":"I knew exactly what you're talking about.","start":734.61,"end":736.55,"sentiment":"neutral","sentiment_score":-0.04707560847912516},{"text":"Exactly.","start":748.945,"end":749.34503,"sentiment":"neutral","sentiment_score":0.10611536353826524},{"text":"So what we'll do is we've got this core and satellite approach going with yours where there's a whole group of small amounts in these different sectors and countries and things.","start":749.34503,"end":760.58,"sentiment":"neutral","sentiment_score":0.16139250657250803}],"sentiment":"neutral","sentiment_score":0.07924590550427293,"num_words":58,"start":721.495,"end":760.58},{"sentences":[{"text":"So if one of those goes sour, it's not impacting the overall balance.","start":760.58,"end":764.44,"sentiment":"neutral","sentiment_score":0.0668106355632727},{"text":"You've still got a steady ship in the middle, and we can kind of afford to take a little bit more risk on one option, but without increasing your entire risk profile from, like, a four to a five out of five.","start":764.58,"end":775.935,"sentiment":"neutral","sentiment_score":0.12849920384940647},{"text":"Perfect.","start":779.675,"end":780.175,"sentiment":"positive","sentiment_score":0.39083653688430786},{"text":"And that ties in pretty well, like you said, retirement's ages away.","start":780.98,"end":784.36,"sentiment":"neutral","sentiment_score":0.18644397519528866},{"text":"So we've got decades up our sleeve.","start":784.42,"end":786.27997,"sentiment":"neutral","sentiment_score":0.08054074006421226}],"sentiment":"neutral","sentiment_score":0.126099389915665,"num_words":75,"start":760.58,"end":786.27997},{"sentences":[{"text":"If we need to review it next year, we can always bump things up and down as we need to.","start":786.57996,"end":790.83997,"sentiment":"neutral","sentiment_score":0.08337708730250597},{"text":"And for this, it's really just an engine tune up because there's a couple of options that, you know, they haven't been doing what we expected them to do.","start":791.06,"end":799.415,"sentiment":"neutral","sentiment_score":-0.03201562493782619},{"text":"So I need to kind of slot someone in who is yeah.","start":799.415,"end":807.495,"sentiment":"neutral","sentiment_score":-0.016440785800417263},{"text":"That's the one.","start":807.495,"end":808.475,"sentiment":"neutral","sentiment_score":-0.009900944462666908},{"text":"Ben along.","start":808.615,"end":809.22,"sentiment":"neutral","sentiment_score":-0.012288590893149376}],"sentiment":"neutral","sentiment_score":0.007386654213240201,"num_words":66,"start":786.57996,"end":809.22},{"sentences":[{"text":"Yeah.","start":817.22,"end":817.69995,"sentiment":"neutral","sentiment_score":-0.031872354447841644},{"text":"There's there's Benelon is the main one where it's kind of shot off in in in an odd direction.","start":817.69995,"end":824.845,"sentiment":"neutral","sentiment_score":-0.28429126739501953},{"text":"Like, it's dropped a bit faster than the other ones in its group, and it hasn't kind of caught back up the way it should have.","start":825.945,"end":832.685,"sentiment":"negative","sentiment_score":-0.4421038982959894},{"text":"Yeah.","start":855.195,"end":855.515,"sentiment":"neutral","sentiment_score":0.06994132697582245},{"text":"We've been talking with the investment committee about a few options we've been researching, and that's kind of why I asked that style question before because if there's three or four I narrow it down to, I wanna make sure that I'm kind of tailoring the super to behave in a way that you expect, if that makes sense.","start":855.515,"end":873.76,"sentiment":"neutral","sentiment_score":0.0954551135773881}],"sentiment":"neutral","sentiment_score":-0.10590862983591715,"num_words":106,"start":817.22,"end":873.76},{"sentences":[{"text":"And the other thing too, this one's a little bit out of left field, but the government's phasing out a specific type of term deposit called a bank hybrid that you do have.","start":876.445,"end":888.63,"sentiment":"neutral","sentiment_score":-0.07424643917968779},{"text":"That one's easy.","start":890.55,"end":891.35,"sentiment":"neutral","sentiment_score":0.01266419142484665},{"text":"I basically just need to switch that out with another type of term deposit that's not being phased out.","start":891.35,"end":896.65,"sentiment":"neutral","sentiment_score":-0.132576689908379},{"text":"Yeah.","start":897.27,"end":897.77,"sentiment":"neutral","sentiment_score":-0.0815097913146019},{"text":"Nothing crazy.","start":897.83,"end":898.65,"sentiment":"neutral","sentiment_score":-0.1276554949581623}],"sentiment":"neutral","sentiment_score":-0.09082616910595319,"num_words":58,"start":876.445,"end":898.65},{"sentences":[{"text":"And oddly enough, I know in Australia, property is kind of like the one asset to invest in in Australia, but your your property option, unfortunately, invests in property companies.","start":900.15,"end":911.735,"sentiment":"neutral","sentiment_score":-0.22527144675453503},{"text":"And since the government did that new legislation for capital gains tax and negative gearing, those companies are starting to go under and reduce profits and activity.","start":912.275,"end":922.25995,"sentiment":"negative","sentiment_score":-0.5428997223024015},{"text":"So they're getting hit hard, and there's no good kind of property like, there's no direct property fund I can slot it into so you get the growth of the market.","start":923.19995,"end":934.225,"sentiment":"negative","sentiment_score":-0.5639135356872312},{"text":"I basically need to keep you away from those companies as well.","start":934.925,"end":937.825,"sentiment":"negative","sentiment_score":-0.6454286426305771},{"text":"Easy done.","start":950.62,"end":951.44,"sentiment":"positive","sentiment_score":0.5306249856948853}],"sentiment":"negative","sentiment_score":-0.446878914228257,"num_words":102,"start":900.15,"end":951.44},{"sentences":[{"text":"I've got a few few different options in different areas that we might be able to just diversify you into a little bit.","start":951.9,"end":958.285,"sentiment":"neutral","sentiment_score":0.2841637264127317},{"text":"And one thing I need to do as well is also we call it like a rebalance.","start":958.745,"end":963.485,"sentiment":"neutral","sentiment_score":0.10426843341659098},{"text":"So because you've got eight options there, some of them go up, some of them go down.","start":964.345,"end":970.01,"sentiment":"neutral","sentiment_score":0.026841092416468787},{"text":"Maybe we originally said that you should have 7% of your money in this 7% in that one.","start":970.23004,"end":975.85004,"sentiment":"neutral","sentiment_score":0.02442535509665807},{"text":"And if one's gone up to nine, one's gone down to six, we need to just kind of bring them back to their original weightings, if that makes sense.","start":975.91003,"end":984.565,"sentiment":"neutral","sentiment_score":0.016558275798913735}],"sentiment":"neutral","sentiment_score":0.09311994265926142,"num_words":104,"start":951.9,"end":984.565},{"sentences":[{"text":"Kinda like a buy low to sell high.","start":984.565,"end":987.865,"sentiment":"neutral","sentiment_score":0.08225110406056046},{"text":"Perfect.","start":990.245,"end":990.745,"sentiment":"positive","sentiment_score":0.6756420135498047},{"text":"So I can get that one fixed up pretty easy.","start":990.805,"end":993.305,"sentiment":"positive","sentiment_score":0.5871479451656342},{"text":"I will basically just do those comparisons, update the plan for you at the same time as us calling the insurer and seeing if I can get the occupation rating updated, bit of an increased quote from Tal, which may take them about a week to send through to me.","start":993.845,"end":1008.315,"sentiment":"neutral","sentiment_score":0.299752217233181},{"text":"So I will get the team to give you a call in a in about a fortnight just to book you in to go through those figures with me.","start":1008.795,"end":1016.415,"sentiment":"neutral","sentiment_score":0.19069528836628485}],"sentiment":"neutral","sentiment_score":0.28288678083644836,"num_words":98,"start":984.565,"end":1016.415},{"sentences":[{"text":"Beautiful.","start":1018.875,"end":1019.355,"sentiment":"positive","sentiment_score":0.5049688816070557},{"text":"Do you have any questions for me at this point?","start":1019.355,"end":1021.05,"sentiment":"neutral","sentiment_score":0.12386249080300331},{"text":"Actually, I've got that open as well.","start":1043.5449,"end":1046.585,"sentiment":"neutral","sentiment_score":0.12817611119576863},{"text":"Just bear with me two secs, Rob.","start":1046.585,"end":1049.04,"sentiment":"neutral","sentiment_score":0.05980678913848741},{"text":"So that review report that you got from from Connor in the pack, if you ever go into that one, just so you know sort of how to read these things, it's got two pages on your yeah.","start":1050.9601,"end":1074.6649,"sentiment":"neutral","sentiment_score":0.07018233227886651}],"sentiment":"neutral","sentiment_score":0.09089528124720331,"num_words":63,"start":1018.875,"end":1074.6649},{"sentences":[{"text":"No.","start":1074.8049,"end":1075.125,"sentiment":"neutral","sentiment_score":-0.19033625721931455},{"text":"They're they're a bit fun to look at when it's just a table full of figures.","start":1075.125,"end":1078.88,"sentiment":"neutral","sentiment_score":-0.07613615621812642},{"text":"It's not the most user friendly report.","start":1079.1,"end":1082.4,"sentiment":"negative","sentiment_score":-0.4046319467680795},{"text":"They are developing some nice nicer ones that kind of make a bit more sense, graphs and things like that, but this one can be a bit overwhelming.","start":1082.46,"end":1090.505,"sentiment":"neutral","sentiment_score":-0.08195471856743097},{"text":"Alright.","start":1094.005,"end":1094.405,"sentiment":"neutral","sentiment_score":-0.04517044872045517}],"sentiment":"neutral","sentiment_score":-0.12416681042819652,"num_words":53,"start":1074.8049,"end":1094.405},{"sentences":[{"text":"So when I look at all the options, so it's got two pages.","start":1094.405,"end":1097.625,"sentiment":"neutral","sentiment_score":0.01738593426461403},{"text":"First page has every option by themselves, and then the second page is the overall portfolio.","start":1097.925,"end":1102.665,"sentiment":"neutral","sentiment_score":0.04163243365474045},{"text":"So that ranges from Benelon being down 15%.","start":1103.525,"end":1108.9299,"sentiment":"neutral","sentiment_score":0.15665887482464314},{"text":"And then on the upper side, your battery tech and electric vehicle shares are up 35%.","start":1110.03,"end":1116.4299,"sentiment":"neutral","sentiment_score":0.145969414152205},{"text":"So it kind of shows you how each one is going on that right hand column.","start":1116.4299,"end":1120.675,"sentiment":"neutral","sentiment_score":0.17218868155032396}],"sentiment":"neutral","sentiment_score":0.10486864657613679,"num_words":69,"start":1094.405,"end":1120.675},{"sentences":[{"text":"And then overall, it shows a growth of about just under 7% for the year after fees, taxes, and premiums, which is just under 8,000 on top of the contribution.","start":1122.7351,"end":1134.28,"sentiment":"neutral","sentiment_score":0.10849507339298725},{"text":"So it's about 22% below what we would have hoped for for the year.","start":1134.4199,"end":1140.52,"sentiment":"neutral","sentiment_score":-0.1340869859393154},{"text":"Yeah.","start":1174.4651,"end":1174.9651,"sentiment":"neutral","sentiment_score":-0.13435252010822296},{"text":"Overall, like, it's probably affected it by that kind of one and a half percent to get it just below the benchmark.","start":1176.0651,"end":1182.805,"sentiment":"neutral","sentiment_score":-0.15323898568749428},{"text":"On top of that, that big drop we had in February, March when the Iran war kicked off kind of pulled everyone down about 7%, so it had to catch back up the last half of the year.","start":1183.98,"end":1194.72,"sentiment":"neutral","sentiment_score":-0.32952995441461863}],"sentiment":"neutral","sentiment_score":-0.1395248959461848,"num_words":105,"start":1122.7351,"end":1194.72},{"sentences":[{"text":"And I guess the combination of both of those is what you're reading in those figures.","start":1194.9401,"end":1199.945,"sentiment":"neutral","sentiment_score":-0.09095118963159621},{"text":"Oh, no.","start":1209.125,"end":1209.865,"sentiment":"negative","sentiment_score":-0.3877210021018982},{"text":"One of the crazy things that happens sorry.","start":1225.225,"end":1227.7051,"sentiment":"neutral","sentiment_score":-0.30613553896546364},{"text":"Go go for it.","start":1227.7051,"end":1228.765,"sentiment":"neutral","sentiment_score":-0.17535618506371975},{"text":"Like, bottom of COVID or something.","start":1234.905,"end":1236.845,"sentiment":"neutral","sentiment_score":-0.09849384302894275}],"sentiment":"neutral","sentiment_score":-0.16589258745726612,"num_words":36,"start":1194.9401,"end":1236.845},{"sentences":[{"text":"I'll give you two tips.","start":1257.715,"end":1258.9349,"sentiment":"neutral","sentiment_score":-0.11533949226140976},{"text":"Don't look at your super the day that the news comes out.","start":1258.995,"end":1262.1349,"sentiment":"neutral","sentiment_score":-0.29006726294755936},{"text":"That's that's a fast way for everyone to panic.","start":1263.475,"end":1265.7,"sentiment":"negative","sentiment_score":-0.6396432121594747},{"text":"And the second tip is so this is the funny thing about Supra is you've just hit that kind of 6 figure mark.","start":1268.8999,"end":1275.22,"sentiment":"neutral","sentiment_score":0.011305267477165098},{"text":"You're over 100,000 now.","start":1275.22,"end":1277.08,"sentiment":"neutral","sentiment_score":0.026332926005125046}],"sentiment":"neutral","sentiment_score":-0.1782818994361837,"num_words":53,"start":1257.715,"end":1277.08},{"sentences":[{"text":"When you hit the forties and you start cresting up to $3,400,000, you hit this weird period where all the returns are percentage based.","start":1279.1399,"end":1290.0149,"sentiment":"neutral","sentiment_score":-0.000889285933226347},{"text":"So if it goes up ten, fifteen, 20% a year, now we're talking about $40.50, $60,000 swings up and down in a single year.","start":1290.3949,"end":1302.87,"sentiment":"neutral","sentiment_score":0.023221724899485707},{"text":"But that also gets you from the 400,000 to the million.","start":1303.73,"end":1307.91,"sentiment":"neutral","sentiment_score":0.05281923067840663},{"text":"And then once you've got that at, like, 52, then you start reducing that growth allocation down from 80%, you know, shares to seventy, sixty, fifty, forty, just gradually in that last decade.","start":1308.21,"end":1321.655,"sentiment":"neutral","sentiment_score":0.052632043194590195},{"text":"And then you've essentially protected the million, and then you've got your nice healthy nest egg to retire on.","start":1321.955,"end":1328.4801,"sentiment":"neutral","sentiment_score":0.30824400719843414}],"sentiment":"neutral","sentiment_score":0.07847282553913894,"num_words":111,"start":1279.1399,"end":1328.4801},{"sentences":[{"text":"It can earn a little bit.","start":1328.7001,"end":1329.9,"sentiment":"positive","sentiment_score":0.4318295667568843},{"text":"You can pull out a little bit to live on, and that's all good.","start":1329.9,"end":1332.7001,"sentiment":"positive","sentiment_score":0.6118535016264234},{"text":"But that period between kind of forty and fifty where you make the most gains, but you see the biggest swings, that's why we have these these risk profile questionnaires and risk discussions because it's all fun when you're 25, you've got $15 in super.","start":1332.7001,"end":1348.4049,"sentiment":"neutral","sentiment_score":0.1966317880484793},{"text":"Oh, you know, it goes up and down kind of thing.","start":1348.4049,"end":1350.6449,"sentiment":"neutral","sentiment_score":-0.042687154967676506},{"text":"But when you're like, oh, my super is down $60,000 in four months, it becomes a little bit more real.","start":1350.6449,"end":1356.43,"sentiment":"neutral","sentiment_score":-0.04846188696101308}],"sentiment":"neutral","sentiment_score":0.19340167126695937,"num_words":96,"start":1328.7001,"end":1356.43},{"sentences":[{"text":"Yeah.","start":1369.015,"end":1369.3351,"sentiment":"neutral","sentiment_score":0.09304915368556976},{"text":"And, honestly, half my my career now, like, I'm coming on thirteen years, and half of it just seems to be trying to get people not to panic because people tend to not look at their super their whole life, and then you go pay a few thousand dollars for a financial adviser, and then you wanna look at it every day.","start":1369.3351,"end":1386.7999,"sentiment":"neutral","sentiment_score":-0.0057028295892861585},{"text":"And the moment you see it go down, you're panicking.","start":1386.86,"end":1389.0399,"sentiment":"neutral","sentiment_score":-0.21830611824989318},{"text":"But beforehand, when the world melted down, everyone didn't even look at it for three years and didn't even notice that it went down and back up again.","start":1389.1,"end":1397.365,"sentiment":"neutral","sentiment_score":-0.2507849505969456},{"text":"Yeah.","start":1409.68,"end":1409.92,"sentiment":"neutral","sentiment_score":0.13531379401683807}],"sentiment":"neutral","sentiment_score":-0.09147306162790925,"num_words":102,"start":1369.015,"end":1409.92},{"sentences":[{"text":"That that's always healthy.","start":1409.92,"end":1411.2001,"sentiment":"neutral","sentiment_score":0.24372857436537743},{"text":"And bear in mind, we're not doing anything too crazy with the super where we're trying to risk a permanent loss that you can't recover from, and you're gonna have a horrible retirement.","start":1411.2001,"end":1420.8201,"sentiment":"neutral","sentiment_score":-0.33103298181385704},{"text":"We're playing the law of averages over a long period of time.","start":1421.2001,"end":1424.715,"sentiment":"negative","sentiment_score":-0.5302373977998892},{"text":"And that's why when people ask us, can you invest in crypto and silver and and these things that can go up and down 80% in a single year, we're just not doing that because you don't need to.","start":1424.955,"end":1435.775,"sentiment":"neutral","sentiment_score":-0.046596950660340294},{"text":"My job is to get you from that kind of eight or 9% return to the ten, eleven, 12, and that compounds to an extra few $100,000 at the end.","start":1438.235,"end":1446.93,"sentiment":"neutral","sentiment_score":0.07709592108925184}],"sentiment":"neutral","sentiment_score":-0.1340375111785607,"num_words":118,"start":1409.92,"end":1446.93},{"sentences":[{"text":"And now you're comfortable, now you're self funded, and we're just averaging out an extra couple of percent after everything's said and done.","start":1447.15,"end":1457.385,"sentiment":"neutral","sentiment_score":0.29808783790339594},{"text":"Cool.","start":1457.385,"end":1457.885,"sentiment":"positive","sentiment_score":0.5337696075439453},{"text":"I will dive into that, get the quotes going.","start":1459.145,"end":1461.9651,"sentiment":"neutral","sentiment_score":0.18449529012044272},{"text":"I will do the updated comparisons and show you both in the one updated document and projections.","start":1462.265,"end":1467.5651,"sentiment":"neutral","sentiment_score":0.16842355710618637},{"text":"And the only thing that I might need is, again, yeah, they may need to call you just for a couple of extra health questions if I can get some of those loadings and exclusions updated along with your occupation rating.","start":1468.3301,"end":1479.945,"sentiment":"neutral","sentiment_score":-0.008932985467609109}],"sentiment":"neutral","sentiment_score":0.12689225886856298,"num_words":91,"start":1447.15,"end":1479.945},{"sentences":[{"text":"Perfect.","start":1490.1849,"end":1490.585,"sentiment":"positive","sentiment_score":0.5822641253471375},{"text":"And it means that you can I guess, the longevity of it too?","start":1490.585,"end":1494.4,"sentiment":"neutral","sentiment_score":0.1970800390610328},{"text":"Like, insurance isn't a fun thing to pay, especially when it's thousands of dollars.","start":1494.4,"end":1498.8201,"sentiment":"neutral","sentiment_score":0.044868179463914463},{"text":"But the painful part is you pay it when it's $700, and then once it gets up to 4,000, you wanna cancel it.","start":1499.4401,"end":1505.805,"sentiment":"neutral","sentiment_score":-0.20033690754486166},{"text":"And then at those ages is when something happens to people.","start":1505.9651,"end":1509.245,"sentiment":"neutral","sentiment_score":-0.08018117127093402}],"sentiment":"neutral","sentiment_score":-0.027698106643173,"num_words":62,"start":1490.1849,"end":1509.245},{"sentences":[{"text":"So if I can make it last an extra four or five years so it's there when you need it, but not dragging you away from hitting the goals, that's kind of the best of both worlds.","start":1509.245,"end":1522.5701,"sentiment":"neutral","sentiment_score":-0.0170109995917694},{"text":"Awesome.","start":1522.5701,"end":1523.0701,"sentiment":"positive","sentiment_score":0.48609304428100586},{"text":"Any questions for me at this point, mate?","start":1523.53,"end":1525.39,"sentiment":"neutral","sentiment_score":0.15803315490484238},{"text":"Yep.","start":1539.065,"end":1539.565,"sentiment":"neutral","sentiment_score":0.1270022094249725},{"text":"Easy done.","start":1540.2649,"end":1541.245,"sentiment":"positive","sentiment_score":0.3655806630849838}],"sentiment":"neutral","sentiment_score":0.040390098657535047,"num_words":49,"start":1509.245,"end":1541.245},{"sentences":[{"text":"And I hope the the traffic's eased off a little bit for you now.","start":1541.5449,"end":1544.445,"sentiment":"neutral","sentiment_score":0.25795763411692213},{"text":"Awesome.","start":1549.86,"end":1550.34,"sentiment":"positive","sentiment_score":0.8166782259941101},{"text":"Well, I'm glad to have kept you company on this beautiful scenic drive.","start":1550.34,"end":1553.72,"sentiment":"positive","sentiment_score":0.787720148379986},{"text":"But if if you have anything else that pops up, please just give us a buzz, and you'll be hearing from us in in a few weeks' time.","start":1553.7799,"end":1562.795,"sentiment":"neutral","sentiment_score":0.10771412309259176},{"text":"Awesome.","start":1565.3351,"end":1565.7351,"sentiment":"positive","sentiment_score":0.7032287120819092}],"sentiment":"neutral","sentiment_score":0.32259072265342664,"num_words":57,"start":1541.5449,"end":1565.7351},{"sentences":[{"text":"Have a great day, mate.","start":1565.7351,"end":1566.535,"sentiment":"positive","sentiment_score":0.47999935150146483},{"text":"Thank you so oh, yeah.","start":1566.535,"end":1567.5751,"sentiment":"positive","sentiment_score":0.5112659275531769},{"text":"Go for it.","start":1567.5751,"end":1568.4751,"sentiment":"positive","sentiment_score":0.4489167829354604},{"text":"Yes.","start":1577.51,"end":1578.01,"sentiment":"neutral","sentiment_score":-0.0028761709108948708},{"text":"Yeah.","start":1609.11,"end":1609.61,"sentiment":"neutral","sentiment_score":0.010730239562690258}],"sentiment":"positive","sentiment_score":0.420728720848759,"num_words":15,"start":1565.7351,"end":1609.61},{"sentences":[{"text":"No.","start":1618.645,"end":1618.8049,"sentiment":"neutral","sentiment_score":-0.09218484163284302},{"text":"That's a great question.","start":1618.8049,"end":1620.005,"sentiment":"neutral","sentiment_score":-0.061992441304028034},{"text":"So when you got that pack email through, did it just have some pricing on there to do it, like, online?","start":1620.005,"end":1626.27,"sentiment":"neutral","sentiment_score":-0.014825813472270966},{"text":"Gotcha.","start":1645.945,"end":1646.445,"sentiment":"neutral","sentiment_score":-0.0027749165892601013},{"text":"Yeah.","start":1654.04,"end":1654.54,"sentiment":"neutral","sentiment_score":-0.021348394453525543}],"sentiment":"neutral","sentiment_score":-0.02412928574319397,"num_words":28,"start":1618.645,"end":1654.54},{"sentences":[{"text":"I'll double check.","start":1667.0951,"end":1668.055,"sentiment":"neutral","sentiment_score":-0.01541407344241937},{"text":"I'll I'll I'm done off the top of my head, but what I'll do is as soon as I get off the call, I'll have a look at the pack that got sent out to you.","start":1668.055,"end":1674.34,"sentiment":"neutral","sentiment_score":0.057913085704462394},{"text":"I'll ask around the office to see if there's a a couples one that I can flick through.","start":1674.88,"end":1679.46,"sentiment":"neutral","sentiment_score":0.0679497913353973},{"text":"And if not, yeah, it may be a quick call to to that lawyer to see.","start":1679.6,"end":1684.98,"sentiment":"neutral","sentiment_score":0.004287746851332486},{"text":"But what I'll do is I'll double check, and I'll send you a text message.","start":1685.12,"end":1691.505,"sentiment":"neutral","sentiment_score":0.18555072794357935}],"sentiment":"neutral","sentiment_score":0.06947261338460851,"num_words":88,"start":1667.0951,"end":1691.505},{"sentences":[{"text":"Easy done.","start":1691.725,"end":1692.465,"sentiment":"positive","sentiment_score":0.5204818546772003},{"text":"Alright.","start":1692.525,"end":1693.025,"sentiment":"neutral","sentiment_score":0.23878654837608335},{"text":"So quotes, health, portfolio, and hopefully get the wheels and everything sorted.","start":1694.125,"end":1699.725,"sentiment":"neutral","sentiment_score":0.20190511147181192},{"text":"Did you need anything in terms of, like, beneficiary nominations, or that was all good?","start":1699.725,"end":1703.46,"sentiment":"neutral","sentiment_score":0.10619281555215518},{"text":"Yeah.","start":1706.98,"end":1707.46,"sentiment":"neutral","sentiment_score":0.040421582758426666}],"sentiment":"neutral","sentiment_score":0.17212662617525748,"num_words":31,"start":1691.725,"end":1707.46},{"sentences":[{"text":"Super and life insurance.","start":1707.46,"end":1708.76,"sentiment":"neutral","sentiment_score":0.04112817160785198},{"text":"Yep.","start":1719.475,"end":1719.715,"sentiment":"neutral","sentiment_score":0.06699477881193161},{"text":"We've got Katie on the super at the moment.","start":1719.715,"end":1721.975,"sentiment":"neutral","sentiment_score":0.06275572876135509},{"text":"Perfect.","start":1726.995,"end":1727.49,"sentiment":"positive","sentiment_score":0.48082706332206726},{"text":"I don't have the light in front of me, but I'll double check it.","start":1728.05,"end":1730.9299,"sentiment":"neutral","sentiment_score":0.010154578568679946}],"sentiment":"neutral","sentiment_score":0.04894138577169385,"num_words":29,"start":1707.46,"end":1730.9299},{"sentences":[{"text":"I I believe so.","start":1730.9299,"end":1732.23,"sentiment":"neutral","sentiment_score":0.016119394451379776},{"text":"But I'll just have a look just in case while I'm looking at the the the wheels and the pay EPOA.","start":1733.33,"end":1739.19,"sentiment":"neutral","sentiment_score":0.05100358809743609},{"text":"So when you've got a legally binding or nonbinding type, The nonbinding gives the trustee discretion.","start":1749.065,"end":1757.0099,"sentiment":"neutral","sentiment_score":-0.011572885065106675},{"text":"The binding is legally binding.","start":1757.71,"end":1759.3099,"sentiment":"neutral","sentiment_score":-0.006834448873996734},{"text":"The trustee has to do it.","start":1759.3099,"end":1761.0099,"sentiment":"neutral","sentiment_score":0.020640576879183452}],"sentiment":"neutral","sentiment_score":0.020001115071443983,"num_words":52,"start":1730.9299,"end":1761.0099},{"sentences":[{"text":"It's a lot more direct than a will.","start":1762.11,"end":1765.49,"sentiment":"neutral","sentiment_score":0.013129361323080957},{"text":"So for example, when wills happen, there's statutes of limitation for people to contest and all this kind of thing.","start":1765.71,"end":1771.755,"sentiment":"neutral","sentiment_score":-0.005287333205342293},{"text":"The beneficiary nominations, they tend to just go like, here's my details.","start":1772.0549,"end":1775.895,"sentiment":"neutral","sentiment_score":0.027233950328081846},{"text":"I'm listed on the form.","start":1775.895,"end":1777.195,"sentiment":"neutral","sentiment_score":0.029929884895682334},{"text":"Here's my partner's death certificate, and then they just do the transactions.","start":1777.4149,"end":1781.9149,"sentiment":"neutral","sentiment_score":0.01574266515672207}],"sentiment":"neutral","sentiment_score":0.011660649767962465,"num_words":57,"start":1762.11,"end":1781.9149},{"sentences":[{"text":"Whether someone wants to try and fight about it afterwards, I just know beneficiaries a lot faster, a lot more direct to avoid a bit of that.","start":1783.27,"end":1791.05,"sentiment":"neutral","sentiment_score":-0.028166728439154447},{"text":"Well, it is legally binding.","start":1807.11,"end":1809.35,"sentiment":"neutral","sentiment_score":0.15435404032468797},{"text":"It's nonlapsing, so it's not just gonna expire.","start":1809.35,"end":1811.85,"sentiment":"neutral","sentiment_score":0.10387823334895074},{"text":"And as long as she can just go through that process, I think she should be fine.","start":1812.39,"end":1816.8099,"sentiment":"positive","sentiment_score":0.3509321186472388},{"text":"Cool.","start":1819.99,"end":1820.49,"sentiment":"positive","sentiment_score":0.4584091901779175}],"sentiment":"neutral","sentiment_score":0.125285338064463,"num_words":58,"start":1783.27,"end":1820.49},{"sentences":[{"text":"Alright.","start":1820.55,"end":1821.05,"sentiment":"neutral","sentiment_score":0.31220096349716187},{"text":"Anything else you can think of?","start":1821.895,"end":1823.355,"sentiment":"neutral","sentiment_score":0.18505843977133432},{"text":"Beautiful.","start":1827.175,"end":1827.675,"sentiment":"positive","sentiment_score":0.5078423023223877},{"text":"Alrighty.","start":1828.615,"end":1829.115,"sentiment":"positive","sentiment_score":0.49565353989601135},{"text":"Well, thank you so much for your time today, and I look forward to catching up in a couple of weeks.","start":1829.175,"end":1836.933,"sentiment":"positive","sentiment_score":0.662345656326839}],"sentiment":"positive","sentiment_score":0.5445102075735728,"num_words":30,"start":1820.55,"end":1836.933},{"sentences":[{"text":"Oh, awesome, mate.","start":1836.933,"end":1837.573,"sentiment":"positive","sentiment_score":0.7899959484736124},{"text":"Have a great weekend.","start":1837.573,"end":1838.473,"sentiment":"positive","sentiment_score":0.8084681332111359},{"text":"Cheers.","start":1841.013,"end":1841.513,"sentiment":"positive","sentiment_score":0.6445499658584595}],"sentiment":"positive","sentiment_score":0.78105129301548,"num_words":8,"start":1836.933,"end":1841.513}]}}]},{"alternatives":[{"transcript":"Speaking. Not too bad, mate. How are you? Yeah. I'm stuck in traffic on the Gold Coast. Yep. That's all good. Yep. Yeah, mate. Yeah. Yeah. Yep. 12/17/1993. 50 McCaleb Way, Lake Reserve 4133. Yeah. Yeah. Yes. Yes. Yep. Oh, that'd be nice. Maybe less money spent on insurance premiums. Yeah. Alright. Yep. Okay. Yep. No. Not at all. Like, I I occasionally pick up if I've got a repair machine, but that's about it. No. Yep. Awesome. Yep. Yep. Yep. Yeah. Yeah. They they cover it like, the life insurance covers any outstanding debts should anything happen to me. And then it's a case of, like, the permanent disability. It would also cover all the outstanding debts and then still leave a little bit left over for any modifications that need to be done to the house if I was working permanently disabled. So I think we should be right for that. Yes. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. It might be a better alternative. Yeah. We if we can, if it's not gonna, like, exacerbate the the premiums too much, yeah, that probably would be a good amount. Because I actually I get paid monthly, and I know all the outgoings that I pay come to about 5,400, and then the rest is just left over to as a little bit of a flush fund in this shortfall anyway. Yeah. Yeah. That probably would be a good idea, actually. Yeah. Yep. Yeah. It was like yeah. I haven't had any issues with it since. Like and, like, the only reason it popped up on my like, the thing last time was because I actually had to go to the doctor for it, and, like, that was it's for us. I've been in my new house, like, five years now. So it's probably, like, five years ago, I think it was. So, yeah, it seems to be like, you get the usual aches and pains, like, everybody, but I haven't haven't had to take time off work for it or anything like that. Yeah. Yeah. Yeah. Alright. Yeah. Yeah. Yeah. Yeah. They did send me an email a couple of months back. It comes about go for a health check and get 5% off, but I wasn't sure that that was just like I I honestly didn't quite understand the whole thing. So I was like, you guys haven't called me about it, so I'm not worried about it. So Oh, okay. Yep. Yeah. Yeah. Because I'm aiming to lose more, so can I help? Oh, yeah. Oh, yeah. Oh, yeah. Yeah. No worries. Oh, yeah. Yeah. They're good. I do take medication as needed, but but basically been just treating the diet and medication when needed, but not haven't had any, like, bleeding or anything like that. Alright. Yep. Yeah. Yep. Yep. Oh, yeah. Yep. Yep. I I sorta because I'm, like, not looking to retire, like, in the next, like, ten, fifteen, twenty years, I I I sorta lean more towards I'm happy with a little bit risk and a little bit of growth. It's like a like a higher potential for growth. But, like, I'd also say don't wanna, like, put all my eggs in one basket and then a blow up in my face. So, like, I'm sort of that. So, like, I'm sort of more in the middle ground. Like, I'm willing to take a little bit of risk, but I also don't wanna, like, have it blow up in my face. So Yep. Yep. Yep. Yeah. Yeah. That that's sort of what I was looking trying to say. I wasn't really doing really well, but, yeah, I I'm I'm happy to have a little bit to, like like, in a higher risk on the option that it gives me a better return, but then I also don't wanna put more banks in one basket and lose it all. So Yep. Yep. Yep. Yeah. Yeah. It's the the Ben Ben some Betty or some like, there was some investments. What Bedelon. Yeah. Sorry. I was I knew it was Ben, and I'm like, Bettyview something, so I can't remember. Yep. Yeah. So, Connor, was it said that you guys were doing due diligence on finding a new, like, a new investment to replace that one, if I'm understanding it correctly. Yep. Yep. Yep. Yeah. Yeah. And I figured they would. Yeah. Yep. Yeah. And I don't really have a preference or idea on what to do there, but I'll take whatever advice you've got. Yep. Yep. Yep. Yeah. Yep. Yep. No worries. Just off the top of your your head because I know it was, like, a 113,000, I think, I had it with super as of whenever. What's sort of, like, percentage, like, growth on the year? Like, Yep. Yeah. I I sort of started looking and I was like, oh, I'm probably just gonna wait for you to give me a call, and I'll ask the questions then. Yep. Yep. Yep. Yep. Yep. Yeah. Because I was I sorta remember, I think, over the not not this year, but the year before, it was, like, 11%. It was a lot higher than what you guys were expecting. And I was like and then I was like I I had a look at those numbers. I was like, I think that's the number I'm think like, looking for. I was like, jeez. That's a bit lower than last year. And, again, like, because that been along didn't perform the way it was predicted, I was assuming that would have hurt the overall. So but oh, yeah. Yeah. Yeah. Yeah. Because I I made the mistake of checking my server to plugging in the hub around that time. I had a mini heart attack. So so I I I I actually didn't open it back up until you guys rang me for my yearly review because I was like, oh, that's that's probably terrifying and slightly upsetting. So I seem to have, yeah. I think I have that really good luck of always looking right at the most inopportune times because every time I look, it's like yeah. Well, I looked and it was like when, like, the Ukraine thing kicked off, I happened to look at the same time, and I was like, oh, crap. That took a punishing. And then, again, I did it this year, and then there was something that happened last year. And I was like, you know what? I'm just not gonna log in because this is just getting upsetting. So yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. That's yeah. I that's that's actually really good advice. Maybe don't log in where you you've seen something go on the news. Yeah. Yeah. Yeah. So well, it's it's bounced back. So I I looked. So I was like, I'm I'm happy now, but yeah. I'm I'm I might not if I see something in the news, I just won't look for a little bit. Yeah. No. Yep. Yes. That's right. Yep. Yep. Yeah. Yeah. Because that'll only help the overall super, as you said. Less fees, more investment. So no. Yeah. Yeah. Yep. No. It should be alright. Whenever they need to give me a call about if there's any more questions. Yeah. Just if I don't answer, I'll ring back. Yeah. I've nearly made it home, which is good. So yeah. Yep. Alright. Excellent. Thank you. Oh, actually, there was one thing. So I got Connor to email me about the wills and, like, the EPOA. They so he sent me like, because I don't really understand how well, I understand what we'll do and all they encompass, but he sent me one for a single. Is there, like, a package deal for couples at all? Or is that something I'd have to take up with that that lawyer? Because my wife doesn't have a lawyer either. So I'm like, if we can get all three all all two done, two wills and two PPOAs done all in one go, that'd be and, like, if we can package it into a yeah. It Yeah. It's just that, like yeah. It was just I actually can't remember what lawyer it was, but it was, like, package like, it was a a single will a singles will or and singles EPOA or a package for the will and the EPOA all in one. But I was, like, just wondering if, like, there was a way we could see what the pricing was for bundling, like, mine and my wife's and all that sort of stuff because, essentially, it's probably just gonna be all to her if anything happens to me. But, like yeah. Yep. Yep. Okay. Thank you. Yep. Is that from a super? Or I think I did that the last year. I got a letter from somebody that I had to go like, I had to nominate and then find two witnesses. So I think that yeah. And Katie should also be on the live. Yeah. Okay. Some question. When it comes to beneficiaries, they can't be disputed, can they? Yep. Yep. Okay. Okay. Yeah. I'm not sure I went, like, legally binding, but I just wanted to make sure because yeah. Look. My family are a bit of pouches, so I just wanna make sure that nothing can happen to the money and it goes to Katie. Yep. Alright. K. Alrighty. No. I think that's about it now. Thank you. Awesome. No worries. Thank you. You too. 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Not too bad, mate. How are you? Yeah. I'm stuck in traffic on the Gold Coast.\n\nYep. That's all good. Yep. Yeah, mate. Yeah.\n\nYeah. Yep. 12/17/1993. 50 McCaleb Way, Lake Reserve 4133. Yeah.\n\nYeah. Yes. Yes. Yep. Oh, that'd be nice.\n\nMaybe less money spent on insurance premiums. Yeah. Alright. Yep. Okay.\n\nYep. No. Not at all. Like, I I occasionally pick up if I've got a repair machine, but that's about it. No.\n\nYep. Awesome. Yep. Yep. Yep.\n\nYeah. Yeah. They they cover it like, the life insurance covers any outstanding debts should anything happen to me. And then it's a case of, like, the permanent disability. It would also cover all the outstanding debts and then still leave a little bit left over for any modifications that need to be done to the house if I was working permanently disabled.\n\nSo I think we should be right for that. Yes. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. Yeah. It might be a better alternative.\n\nYeah. We if we can, if it's not gonna, like, exacerbate the the premiums too much, yeah, that probably would be a good amount. Because I actually I get paid monthly, and I know all the outgoings that I pay come to about 5,400, and then the rest is just left over to as a little bit of a flush fund in this shortfall anyway. Yeah. Yeah.\n\nThat probably would be a good idea, actually. Yeah. Yep. Yeah. It was like yeah.\n\nI haven't had any issues with it since. Like and, like, the only reason it popped up on my like, the thing last time was because I actually had to go to the doctor for it, and, like, that was it's for us. I've been in my new house, like, five years now. So it's probably, like, five years ago, I think it was. So, yeah, it seems to be like, you get the usual aches and pains, like, everybody, but I haven't haven't had to take time off work for it or anything like that.\n\nYeah. Yeah. Yeah. Alright. Yeah.\n\nYeah. Yeah. Yeah. They did send me an email a couple of months back. It comes about go for a health check and get 5% off, but I wasn't sure that that was just like I I honestly didn't quite understand the whole thing.\n\nSo I was like, you guys haven't called me about it, so I'm not worried about it. So Oh, okay. Yep. Yeah. Yeah.\n\nBecause I'm aiming to lose more, so can I help? Oh, yeah. Oh, yeah. Oh, yeah. Yeah.\n\nNo worries. Oh, yeah. Yeah. They're good. I do take medication as needed, but but basically been just treating the diet and medication when needed, but not haven't had any, like, bleeding or anything like that.\n\nAlright. Yep. Yeah. Yep. Yep.\n\nOh, yeah. Yep. Yep. I I sorta because I'm, like, not looking to retire, like, in the next, like, ten, fifteen, twenty years, I I I sorta lean more towards I'm happy with a little bit risk and a little bit of growth. It's like a like a higher potential for growth.\n\nBut, like, I'd also say don't wanna, like, put all my eggs in one basket and then a blow up in my face. So, like, I'm sort of that. So, like, I'm sort of more in the middle ground. Like, I'm willing to take a little bit of risk, but I also don't wanna, like, have it blow up in my face. So Yep.\n\nYep. Yep. Yeah. Yeah. That that's sort of what I was looking trying to say.\n\nI wasn't really doing really well, but, yeah, I I'm I'm happy to have a little bit to, like like, in a higher risk on the option that it gives me a better return, but then I also don't wanna put more banks in one basket and lose it all. So Yep. Yep. Yep. Yeah.\n\nYeah. It's the the Ben Ben some Betty or some like, there was some investments. What Bedelon. Yeah. Sorry.\n\nI was I knew it was Ben, and I'm like, Bettyview something, so I can't remember. Yep. Yeah. So, Connor, was it said that you guys were doing due diligence on finding a new, like, a new investment to replace that one, if I'm understanding it correctly. Yep.\n\nYep. Yep. Yeah. Yeah. And I figured they would.\n\nYeah. Yep. Yeah. And I don't really have a preference or idea on what to do there, but I'll take whatever advice you've got. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nNo worries. Just off the top of your your head because I know it was, like, a 113,000, I think, I had it with super as of whenever. What's sort of, like, percentage, like, growth on the year? Like, Yep. Yeah.\n\nI I sort of started looking and I was like, oh, I'm probably just gonna wait for you to give me a call, and I'll ask the questions then. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Because I was I sorta remember, I think, over the not not this year, but the year before, it was, like, 11%. It was a lot higher than what you guys were expecting. And I was like and then I was like I I had a look at those numbers.\n\nI was like, I think that's the number I'm think like, looking for. I was like, jeez. That's a bit lower than last year. And, again, like, because that been along didn't perform the way it was predicted, I was assuming that would have hurt the overall. So but oh, yeah.\n\nYeah. Yeah. Yeah. Because I I made the mistake of checking my server to plugging in the hub around that time. I had a mini heart attack.\n\nSo so I I I I actually didn't open it back up until you guys rang me for my yearly review because I was like, oh, that's that's probably terrifying and slightly upsetting. So I seem to have, yeah. I think I have that really good luck of always looking right at the most inopportune times because every time I look, it's like yeah. Well, I looked and it was like when, like, the Ukraine thing kicked off, I happened to look at the same time, and I was like, oh, crap. That took a punishing.\n\nAnd then, again, I did it this year, and then there was something that happened last year. And I was like, you know what? I'm just not gonna log in because this is just getting upsetting. So yeah. Yeah.\n\nYeah. Yep. Yep. Yeah. Yeah.\n\nYeah. Yeah. That's yeah. I that's that's actually really good advice. Maybe don't log in where you you've seen something go on the news.\n\nYeah. Yeah. Yeah. So well, it's it's bounced back. So I I looked.\n\nSo I was like, I'm I'm happy now, but yeah. I'm I'm I might not if I see something in the news, I just won't look for a little bit. Yeah. No. Yep.\n\nYes. That's right. Yep. Yep. Yeah.\n\nYeah. Because that'll only help the overall super, as you said. Less fees, more investment. So no. Yeah.\n\nYeah. Yep. No. It should be alright. Whenever they need to give me a call about if there's any more questions.\n\nYeah. Just if I don't answer, I'll ring back. Yeah. I've nearly made it home, which is good. So yeah.\n\nYep. Alright. Excellent. Thank you. Oh, actually, there was one thing.\n\nSo I got Connor to email me about the wills and, like, the EPOA. They so he sent me like, because I don't really understand how well, I understand what we'll do and all they encompass, but he sent me one for a single. Is there, like, a package deal for couples at all? Or is that something I'd have to take up with that that lawyer? Because my wife doesn't have a lawyer either.\n\nSo I'm like, if we can get all three all all two done, two wills and two PPOAs done all in one go, that'd be and, like, if we can package it into a yeah. It Yeah. It's just that, like yeah. It was just I actually can't remember what lawyer it was, but it was, like, package like, it was a a single will a singles will or and singles EPOA or a package for the will and the EPOA all in one. But I was, like, just wondering if, like, there was a way we could see what the pricing was for bundling, like, mine and my wife's and all that sort of stuff because, essentially, it's probably just gonna be all to her if anything happens to me.\n\nBut, like yeah. Yep. Yep. Okay. Thank you.\n\nYep. Is that from a super? Or I think I did that the last year. I got a letter from somebody that I had to go like, I had to nominate and then find two witnesses. So I think that yeah.\n\nAnd Katie should also be on the live. Yeah. Okay. Some question. When it comes to beneficiaries, they can't be disputed, can they?\n\nYep. Yep. Okay. Okay. Yeah.\n\nI'm not sure I went, like, legally binding, but I just wanted to make sure because yeah. Look. My family are a bit of pouches, so I just wanna make sure that nothing can happen to the money and it goes to Katie. Yep. Alright.\n\nK. Alrighty. No. I think that's about it now. Thank you.\n\nAwesome. No worries. Thank you. You too. Bye.","paragraphs":[{"sentences":[{"text":"Speaking.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.11975542455911636},{"text":"Not too bad, mate.","start":7.9199996,"end":8.8,"sentiment":"positive","sentiment_score":0.3387826383113861},{"text":"How are you?","start":8.8,"end":9.62,"sentiment":"positive","sentiment_score":0.3441682855288188},{"text":"Yeah.","start":14.719999,"end":15.015,"sentiment":"neutral","sentiment_score":-0.196316197514534},{"text":"I'm stuck in traffic on the Gold Coast.","start":15.175,"end":17.195,"sentiment":"negative","sentiment_score":-0.4423040598630905}],"sentiment":"neutral","sentiment_score":-0.07219752011930242,"num_words":17,"start":1.68,"end":17.195},{"sentences":[{"text":"Yep.","start":23.735,"end":24.235,"sentiment":"neutral","sentiment_score":-0.04659077525138855},{"text":"That's all good.","start":24.455,"end":25.435001,"sentiment":"neutral","sentiment_score":0.2056849350531896},{"text":"Yep.","start":36.57,"end":37.05,"sentiment":"neutral","sentiment_score":0.05218551680445671},{"text":"Yeah, mate.","start":37.05,"end":37.61,"sentiment":"neutral","sentiment_score":0.08116156980395317},{"text":"Yeah.","start":37.61,"end":37.85,"sentiment":"neutral","sentiment_score":0.09511026740074158}],"sentiment":"neutral","sentiment_score":0.11001036921516061,"num_words":8,"start":23.735,"end":37.85},{"sentences":[{"text":"Yeah.","start":37.85,"end":38.35,"sentiment":"neutral","sentiment_score":0.12955179810523987},{"text":"Yep.","start":45.935,"end":46.435,"sentiment":"neutral","sentiment_score":0.03758932277560234},{"text":"12/17/1993.","start":50.175003,"end":52.495003,"sentiment":"neutral","sentiment_score":0.006355231162160635},{"text":"50 McCaleb Way, Lake Reserve 4133.","start":52.495003,"end":55.08,"sentiment":"neutral","sentiment_score":0.013246174668893218},{"text":"Yeah.","start":59.160004,"end":59.480003,"sentiment":"neutral","sentiment_score":0.06349718570709229}],"sentiment":"neutral","sentiment_score":0.03164705857634544,"num_words":10,"start":37.85,"end":59.480003},{"sentences":[{"text":"Yeah.","start":59.480003,"end":59.980003,"sentiment":"neutral","sentiment_score":0.14351969957351685},{"text":"Yes.","start":70.845,"end":71.345,"sentiment":"neutral","sentiment_score":0.14838793873786926},{"text":"Yes.","start":79.565,"end":80.065,"sentiment":"neutral","sentiment_score":0.12833040952682495},{"text":"Yep.","start":80.285,"end":80.785,"sentiment":"neutral","sentiment_score":0.15437260270118713},{"text":"Oh, that'd be nice.","start":86.850006,"end":88.07,"sentiment":"neutral","sentiment_score":0.15323316305875778}],"sentiment":"neutral","sentiment_score":0.14844291284680367,"num_words":8,"start":59.480003,"end":88.07},{"sentences":[{"text":"Maybe less money spent on insurance premiums.","start":88.29,"end":90.71001,"sentiment":"neutral","sentiment_score":0.00916127082226532},{"text":"Yeah.","start":93.89,"end":94.39,"sentiment":"neutral","sentiment_score":0.011686649173498154},{"text":"Alright.","start":107.295006,"end":107.795006,"sentiment":"neutral","sentiment_score":-0.04472818598151207},{"text":"Yep.","start":115.119995,"end":115.619995,"sentiment":"neutral","sentiment_score":-0.03538883477449417},{"text":"Okay.","start":119.92,"end":120.42,"sentiment":"neutral","sentiment_score":0.002427400089800358}],"sentiment":"neutral","sentiment_score":-0.00017037052153186366,"num_words":11,"start":88.29,"end":120.42},{"sentences":[{"text":"Yep.","start":124.575005,"end":125.075005,"sentiment":"neutral","sentiment_score":0.00577973946928978},{"text":"No.","start":133.855,"end":134.355,"sentiment":"neutral","sentiment_score":-0.08079861849546432},{"text":"Not at all.","start":134.575,"end":135.475,"sentiment":"neutral","sentiment_score":-0.1602187603712082},{"text":"Like, I I occasionally pick up if I've got a repair machine, but that's about it.","start":139.3,"end":143.72,"sentiment":"neutral","sentiment_score":-0.10946825286373496},{"text":"No.","start":144.98001,"end":145.48001,"sentiment":"neutral","sentiment_score":0.03791956603527069}],"sentiment":"neutral","sentiment_score":-0.10314761999655854,"num_words":22,"start":124.575005,"end":145.48001},{"sentences":[{"text":"Yep.","start":149.14,"end":149.64,"sentiment":"neutral","sentiment_score":0.0363013856112957},{"text":"Awesome.","start":156.455,"end":156.955,"sentiment":"positive","sentiment_score":0.5205830335617065},{"text":"Yep.","start":164.25,"end":164.75,"sentiment":"neutral","sentiment_score":0.12381581962108612},{"text":"Yep.","start":167.37,"end":167.87,"sentiment":"neutral","sentiment_score":0.047081347554922104},{"text":"Yep.","start":178.57,"end":179.055,"sentiment":"neutral","sentiment_score":0.04375097900629043}],"sentiment":"neutral","sentiment_score":0.1543065130710602,"num_words":5,"start":149.14,"end":179.055},{"sentences":[{"text":"Yeah.","start":190.495,"end":190.97499,"sentiment":"neutral","sentiment_score":0.032300665974617004},{"text":"Yeah.","start":190.97499,"end":191.375,"sentiment":"neutral","sentiment_score":0.03251679241657257},{"text":"They they cover it like, the life insurance covers any outstanding debts should anything happen to me.","start":191.375,"end":199.21,"sentiment":"neutral","sentiment_score":0.0202556058545323},{"text":"And then it's a case of, like, the permanent disability.","start":199.99,"end":206.57,"sentiment":"neutral","sentiment_score":0.013025365583598614},{"text":"It would also cover all the outstanding debts and then still leave a little bit left over for any modifications that need to be done to the house if I was working permanently disabled.","start":206.95,"end":217.865,"sentiment":"neutral","sentiment_score":0.01823971782098798}],"sentiment":"neutral","sentiment_score":0.01840582253440978,"num_words":63,"start":190.495,"end":217.865},{"sentences":[{"text":"So I think we should be right for that.","start":218.645,"end":230.06,"sentiment":"positive","sentiment_score":0.4640384333001243},{"text":"Yes.","start":230.06,"end":230.56,"sentiment":"neutral","sentiment_score":0.2244931161403656},{"text":"Yep.","start":240.635,"end":241.135,"sentiment":"neutral","sentiment_score":0.009945212863385676},{"text":"Yep.","start":260.98,"end":261.48,"sentiment":"neutral","sentiment_score":0.12146548926830292},{"text":"Yep.","start":261.54,"end":262.04,"sentiment":"neutral","sentiment_score":0.1296367049217224}],"sentiment":"positive","sentiment_score":0.3586066479149919,"num_words":13,"start":218.645,"end":262.04},{"sentences":[{"text":"Yep.","start":267.175,"end":267.675,"sentiment":"neutral","sentiment_score":0.16533143818378448},{"text":"Yeah.","start":276.3,"end":276.8,"sentiment":"neutral","sentiment_score":0.06140654534101486},{"text":"Yeah.","start":287.1,"end":287.26,"sentiment":"neutral","sentiment_score":0.02168203517794609},{"text":"Yeah.","start":287.26,"end":287.76,"sentiment":"neutral","sentiment_score":0.004531547427177429},{"text":"It might be a better alternative.","start":288.38,"end":289.84,"sentiment":"neutral","sentiment_score":-0.05169189410905043}],"sentiment":"neutral","sentiment_score":-0.005719979852437973,"num_words":10,"start":267.175,"end":289.84},{"sentences":[{"text":"Yeah.","start":289.98,"end":290.48,"sentiment":"neutral","sentiment_score":0.03496628999710083},{"text":"We if we can, if it's not gonna, like, exacerbate the the premiums too much, yeah, that probably would be a good amount.","start":291.995,"end":300.715,"sentiment":"neutral","sentiment_score":0.012642292062873426},{"text":"Because I actually I get paid monthly, and I know all the outgoings that I pay come to about 5,400, and then the rest is just left over to as a little bit of a flush fund in this shortfall anyway.","start":300.715,"end":314.99,"sentiment":"neutral","sentiment_score":0.035502332012827806},{"text":"Yeah.","start":321.785,"end":322.10498,"sentiment":"neutral","sentiment_score":0.14625129103660583},{"text":"Yeah.","start":322.10498,"end":322.425,"sentiment":"neutral","sentiment_score":0.19589045643806455}],"sentiment":"neutral","sentiment_score":0.031693677126026866,"num_words":67,"start":289.98,"end":322.425},{"sentences":[{"text":"That probably would be a good idea, actually.","start":322.425,"end":324.345,"sentiment":"neutral","sentiment_score":0.33072374388575554},{"text":"Yeah.","start":324.345,"end":324.845,"sentiment":"positive","sentiment_score":0.47556447982788086},{"text":"Yep.","start":334.44,"end":334.94,"sentiment":"neutral","sentiment_score":0.13465616106987},{"text":"Yeah.","start":347.29498,"end":347.375,"sentiment":"neutral","sentiment_score":0.13433055579662323},{"text":"It was like yeah.","start":347.375,"end":350.655,"sentiment":"positive","sentiment_score":0.4279562309384346}],"sentiment":"positive","sentiment_score":0.3401444047689438,"num_words":15,"start":322.425,"end":350.655},{"sentences":[{"text":"I haven't had any issues with it since.","start":350.655,"end":352.975,"sentiment":"neutral","sentiment_score":0.2935933736152947},{"text":"Like and, like, the only reason it popped up on my like, the thing last time was because I actually had to go to the doctor for it, and, like, that was it's for us.","start":352.975,"end":363.4,"sentiment":"neutral","sentiment_score":-0.06646496238453048},{"text":"I've been in my new house, like, five years now.","start":363.4,"end":365.48,"sentiment":"neutral","sentiment_score":0.0579525607638061},{"text":"So it's probably, like, five years ago, I think it was.","start":365.48,"end":368.14,"sentiment":"neutral","sentiment_score":0.0029315260154279795},{"text":"So, yeah, it seems to be like, you get the usual aches and pains, like, everybody, but I haven't haven't had to take time off work for it or anything like 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did send me an email a couple of months back.","start":433.535,"end":435.73502,"sentiment":"neutral","sentiment_score":0.17482261698354373},{"text":"It comes about go for a health check and get 5% off, but I wasn't sure that that was just like I I honestly didn't quite understand the whole thing.","start":435.73502,"end":445.94998,"sentiment":"neutral","sentiment_score":-0.044036518037319186}],"sentiment":"neutral","sentiment_score":0.019292581318454308,"num_words":44,"start":429.61502,"end":445.94998},{"sentences":[{"text":"So I was like, you guys haven't called me about it, so I'm not worried about it.","start":445.94998,"end":450.21,"sentiment":"neutral","sentiment_score":0.06815475269275553},{"text":"So Oh, okay.","start":450.66998,"end":457.465,"sentiment":"neutral","sentiment_score":0.1198297490676244},{"text":"Yep.","start":466.485,"end":466.985,"sentiment":"neutral","sentiment_score":0.18370482325553897},{"text":"Yeah.","start":469.11,"end":469.61,"sentiment":"neutral","sentiment_score":0.07176314294338226},{"text":"Yeah.","start":470.78998,"end":471.11,"sentiment":"neutral","sentiment_score":0.07404458522796631}],"sentiment":"neutral","sentiment_score":0.08033185193072194,"num_words":23,"start":445.94998,"end":471.11},{"sentences":[{"text":"Because I'm aiming to lose more, so can I help?","start":471.11,"end":474.96997,"sentiment":"neutral","sentiment_score":0.039341524988412854},{"text":"Oh, yeah.","start":487.845,"end":488.505,"sentiment":"neutral","sentiment_score":-0.0659814141690731},{"text":"Oh, yeah.","start":497.285,"end":498.565,"sentiment":"neutral","sentiment_score":0.01861091423779726},{"text":"Oh, yeah.","start":498.565,"end":498.9,"sentiment":"neutral","sentiment_score":0.05021599866449833},{"text":"Yeah.","start":500.25998,"end":500.58,"sentiment":"neutral","sentiment_score":0.12685005366802216}],"sentiment":"neutral","sentiment_score":0.030938605942270336,"num_words":17,"start":471.11,"end":500.58},{"sentences":[{"text":"No worries.","start":500.58,"end":501.32,"sentiment":"neutral","sentiment_score":0.1686827391386032},{"text":"Oh, yeah.","start":506.97998,"end":507.78,"sentiment":"neutral","sentiment_score":0.19347406923770905},{"text":"Yeah.","start":507.78,"end":508.1,"sentiment":"neutral","sentiment_score":0.2976841330528259},{"text":"They're good.","start":508.1,"end":508.91998,"sentiment":"positive","sentiment_score":0.4897773414850235},{"text":"I do take medication as needed, but but basically been just treating the diet and medication when needed, but not haven't had any, like, bleeding or anything like that.","start":511.875,"end":530.16,"sentiment":"neutral","sentiment_score":0.1344090765663262}],"sentiment":"neutral","sentiment_score":0.16387265703330436,"num_words":36,"start":500.58,"end":530.16},{"sentences":[{"text":"Alright.","start":549.82495,"end":550.32495,"sentiment":"neutral","sentiment_score":0.20714446902275083},{"text":"Yep.","start":574.015,"end":574.515,"sentiment":"neutral","sentiment_score":0.06883057951927185},{"text":"Yeah.","start":575.855,"end":576.355,"sentiment":"neutral","sentiment_score":0.07476149499416351},{"text":"Yep.","start":588.10004,"end":588.60004,"sentiment":"neutral","sentiment_score":0.20712098479270935},{"text":"Yep.","start":607.195,"end":607.695,"sentiment":"neutral","sentiment_score":0.14081396162509918}],"sentiment":"neutral","sentiment_score":0.13973429799079895,"num_words":5,"start":549.82495,"end":607.695},{"sentences":[{"text":"Oh, yeah.","start":622.82,"end":623.48,"sentiment":"neutral","sentiment_score":0.05828443355858326},{"text":"Yep.","start":629.455,"end":629.955,"sentiment":"neutral","sentiment_score":0.12948565185070038},{"text":"Yep.","start":643.82,"end":644.32,"sentiment":"neutral","sentiment_score":0.2450476586818695},{"text":"I I sorta because I'm, like, not looking to retire, like, in the next, like, ten, fifteen, twenty years, I I I sorta lean more towards I'm happy with a little bit risk and a little bit of growth.","start":653.875,"end":669.02,"sentiment":"neutral","sentiment_score":0.01631000726364362},{"text":"It's like a like a higher potential for growth.","start":669.02,"end":672.0,"sentiment":"neutral","sentiment_score":0.26099196904235417}],"sentiment":"neutral","sentiment_score":0.06684846504448125,"num_words":52,"start":622.82,"end":672.0},{"sentences":[{"text":"But, like, I'd also say don't wanna, like, put all my eggs in one basket and then a blow up in my 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Yep.","start":695.975,"end":710.62006,"sentiment":"neutral","sentiment_score":0.11690554022789001}],"sentiment":"neutral","sentiment_score":-0.1649263331783004,"num_words":64,"start":672.78,"end":710.62006},{"sentences":[{"text":"Yep.","start":710.62006,"end":710.715,"sentiment":"neutral","sentiment_score":0.1831481158733368},{"text":"Yep.","start":718.955,"end":719.455,"sentiment":"neutral","sentiment_score":0.10726223886013032},{"text":"Yeah.","start":727.95,"end":728.19,"sentiment":"neutral","sentiment_score":0.046178922057151794},{"text":"Yeah.","start":728.19,"end":728.51,"sentiment":"neutral","sentiment_score":0.046134624630212784},{"text":"That that's sort of what I was looking trying to say.","start":728.51,"end":731.57,"sentiment":"neutral","sentiment_score":0.027547729455611923}],"sentiment":"neutral","sentiment_score":0.04571659502883752,"num_words":15,"start":710.62006,"end":731.57},{"sentences":[{"text":"I wasn't really doing really well, but, yeah, I I'm I'm happy to have a little bit to, like like, in a higher risk on the option that it gives me a better return, but then I also don't wanna put more banks in one basket and lose it all.","start":731.71,"end":748.135,"sentiment":"neutral","sentiment_score":-0.04943082183599472},{"text":"So Yep.","start":748.135,"end":759.5,"sentiment":"neutral","sentiment_score":0.08436025306582451},{"text":"Yep.","start":767.64,"end":768.14,"sentiment":"neutral","sentiment_score":0.18899831175804135},{"text":"Yep.","start":781.255,"end":781.755,"sentiment":"neutral","sentiment_score":0.21483390033245087},{"text":"Yeah.","start":791.8,"end":792.3,"sentiment":"neutral","sentiment_score":0.023275500163435936}],"sentiment":"neutral","sentiment_score":-0.03410387042571198,"num_words":55,"start":731.71,"end":792.3},{"sentences":[{"text":"Yeah.","start":800.175,"end":800.41504,"sentiment":"neutral","sentiment_score":-0.0025625936686992645},{"text":"It's the the Ben Ben some Betty or some like, there was some investments.","start":800.41504,"end":808.195,"sentiment":"neutral","sentiment_score":-0.020885828150702373},{"text":"What Bedelon.","start":808.895,"end":810.755,"sentiment":"neutral","sentiment_score":-0.01805873215198517},{"text":"Yeah.","start":810.815,"end":811.055,"sentiment":"neutral","sentiment_score":-0.006270373240113258},{"text":"Sorry.","start":811.055,"end":811.375,"sentiment":"neutral","sentiment_score":-0.107522115111351}],"sentiment":"neutral","sentiment_score":-0.023414428443893007,"num_words":19,"start":800.175,"end":811.375},{"sentences":[{"text":"I was I knew it was Ben, and I'm like, Bettyview something, so I can't remember.","start":811.375,"end":821.26,"sentiment":"neutral","sentiment_score":-0.07985155982896686},{"text":"Yep.","start":830.435,"end":830.935,"sentiment":"negative","sentiment_score":-0.3621042370796203},{"text":"Yeah.","start":836.115,"end":836.59503,"sentiment":"neutral","sentiment_score":-0.025006022304296497},{"text":"So, Connor, was it said that you guys were doing due diligence on finding a new, like, a new investment to replace that one, if I'm understanding it correctly.","start":836.59503,"end":858.40497,"sentiment":"neutral","sentiment_score":0.017788609907287974},{"text":"Yep.","start":860.625,"end":861.125,"sentiment":"neutral","sentiment_score":-0.00021529695368371904}],"sentiment":"neutral","sentiment_score":-0.023939183881035813,"num_words":48,"start":811.375,"end":861.125},{"sentences":[{"text":"Yep.","start":866.945,"end":867.21,"sentiment":"neutral","sentiment_score":0.17279504239559174},{"text":"Yep.","start":874.65,"end":875.15,"sentiment":"neutral","sentiment_score":0.03613182157278061},{"text":"Yeah.","start":907.07996,"end":907.57996,"sentiment":"neutral","sentiment_score":-0.15222255885601044},{"text":"Yeah.","start":920.655,"end":920.97504,"sentiment":"neutral","sentiment_score":-0.30712124705314636},{"text":"And I figured they would.","start":920.97504,"end":922.35504,"sentiment":"neutral","sentiment_score":-0.25652091205120087}],"sentiment":"neutral","sentiment_score":-0.17033572246630987,"num_words":9,"start":866.945,"end":922.35504},{"sentences":[{"text":"Yeah.","start":927.135,"end":927.635,"sentiment":"negative","sentiment_score":-0.4113425314426422},{"text":"Yep.","start":935.29,"end":935.79,"sentiment":"negative","sentiment_score":-0.5203144550323486},{"text":"Yeah.","start":938.97,"end":939.47,"sentiment":"neutral","sentiment_score":-0.13757412135601044},{"text":"And I don't really have a preference or idea on what to do there, but I'll take whatever advice you've got.","start":942.14496,"end":949.76495,"sentiment":"neutral","sentiment_score":-0.01979820740719636},{"text":"Yep.","start":976.745,"end":977.245,"sentiment":"neutral","sentiment_score":-0.0193477813154459}],"sentiment":"neutral","sentiment_score":-0.06017364978790283,"num_words":25,"start":927.135,"end":977.245},{"sentences":[{"text":"Yep.","start":983.44,"end":983.51996,"sentiment":"neutral","sentiment_score":0.035138145089149475},{"text":"Yep.","start":983.51996,"end":984.01996,"sentiment":"neutral","sentiment_score":0.07650516927242279},{"text":"Yeah.","start":988.88,"end":989.38,"sentiment":"positive","sentiment_score":0.4011867344379425},{"text":"Yep.","start":1009.215,"end":1009.715,"sentiment":"neutral","sentiment_score":0.19886302947998047},{"text":"Yep.","start":1011.69,"end":1012.19,"sentiment":"neutral","sentiment_score":0.13199537992477417}],"sentiment":"neutral","sentiment_score":0.1687376916408539,"num_words":5,"start":983.44,"end":1012.19},{"sentences":[{"text":"No worries.","start":1017.69,"end":1018.43,"sentiment":"neutral","sentiment_score":0.24598724395036697},{"text":"Just off the top of your your head because I know it was, like, a 113,000, I think, I had it with super as of whenever.","start":1025.37,"end":1036.155,"sentiment":"neutral","sentiment_score":0.09097661536473495},{"text":"What's sort of, like, percentage, like, growth on the year?","start":1036.695,"end":1041.08,"sentiment":"neutral","sentiment_score":0.06775574013590813},{"text":"Like, Yep.","start":1043.3,"end":1062.565,"sentiment":"neutral","sentiment_score":0.037081269547343254},{"text":"Yeah.","start":1062.625,"end":1063.125,"sentiment":"neutral","sentiment_score":0.0452238991856575}],"sentiment":"neutral","sentiment_score":0.08912952017129921,"num_words":41,"start":1017.69,"end":1063.125},{"sentences":[{"text":"I I sort of started looking and I was like, oh, I'm probably just gonna wait for you to give me a call, and I'll ask the questions then.","start":1063.1849,"end":1073.4401,"sentiment":"neutral","sentiment_score":0.0681676617984114},{"text":"Yep.","start":1083.485,"end":1083.985,"sentiment":"neutral","sentiment_score":-0.002945559797808528},{"text":"Yep.","start":1088.285,"end":1088.785,"sentiment":"neutral","sentiment_score":-0.22926394641399384},{"text":"Yep.","start":1103.94,"end":1104.4199,"sentiment":"neutral","sentiment_score":0.1356894075870514},{"text":"Yep.","start":1104.4199,"end":1104.9199,"sentiment":"neutral","sentiment_score":0.15732364356517792}],"sentiment":"neutral","sentiment_score":0.061747446578616895,"num_words":33,"start":1063.1849,"end":1104.9199},{"sentences":[{"text":"Yep.","start":1121.6951,"end":1122.12,"sentiment":"neutral","sentiment_score":0.1723279356956482},{"text":"Yeah.","start":1141.2649,"end":1141.745,"sentiment":"neutral","sentiment_score":-0.02859862521290779},{"text":"Because I was I sorta remember, I think, over the not not this year, but the year before, it was, like, 11%.","start":1141.745,"end":1149.0249,"sentiment":"neutral","sentiment_score":-0.13305175406011668},{"text":"It was a lot higher than what you guys were expecting.","start":1149.0249,"end":1151.62,"sentiment":"neutral","sentiment_score":-0.14211999557235025},{"text":"And I was like and then I was like I I had a look at those numbers.","start":1151.6799,"end":1156.88,"sentiment":"neutral","sentiment_score":-0.1661414451458875}],"sentiment":"neutral","sentiment_score":-0.13790641918491858,"num_words":52,"start":1121.6951,"end":1156.88},{"sentences":[{"text":"I was like, I think that's the number I'm think like, looking for.","start":1156.88,"end":1160.1,"sentiment":"neutral","sentiment_score":-0.1973081689614516},{"text":"I was like, jeez.","start":1160.24,"end":1160.96,"sentiment":"neutral","sentiment_score":-0.24824782460927963},{"text":"That's a bit lower than last year.","start":1160.96,"end":1162.32,"sentiment":"negative","sentiment_score":-0.4617334008216858},{"text":"And, again, like, because that been along didn't perform the way it was predicted, I was assuming that would have hurt the overall.","start":1162.32,"end":1171.055,"sentiment":"negative","sentiment_score":-0.3759251560853875},{"text":"So but oh, yeah.","start":1171.275,"end":1182.37,"sentiment":"neutral","sentiment_score":-0.12297079712152481}],"sentiment":"neutral","sentiment_score":-0.3123194721399569,"num_words":51,"start":1156.88,"end":1182.37},{"sentences":[{"text":"Yeah.","start":1200.5851,"end":1201.0851,"sentiment":"neutral","sentiment_score":-0.012962670996785164},{"text":"Yeah.","start":1201.145,"end":1201.385,"sentiment":"neutral","sentiment_score":0.004520677030086517},{"text":"Yeah.","start":1201.385,"end":1201.625,"sentiment":"neutral","sentiment_score":-0.03361814469099045},{"text":"Because I I made the mistake of checking my server to plugging in the hub around that time.","start":1201.625,"end":1206.8251,"sentiment":"neutral","sentiment_score":-0.290800831384129},{"text":"I had a mini heart attack.","start":1206.8251,"end":1208.4451,"sentiment":"negative","sentiment_score":-0.545935312906901}],"sentiment":"neutral","sentiment_score":-0.3167439622597562,"num_words":27,"start":1200.5851,"end":1208.4451},{"sentences":[{"text":"So so I I I I actually didn't open it back up until you guys rang me for my yearly review because I was like, oh, that's that's probably terrifying and slightly upsetting.","start":1209.385,"end":1221.0499,"sentiment":"negative","sentiment_score":-0.36175344613465393},{"text":"So I seem to have, yeah.","start":1221.99,"end":1228.7051,"sentiment":"neutral","sentiment_score":-0.27873995900154114},{"text":"I think I have that really good luck of always looking right at the most inopportune times because every time I look, it's like yeah.","start":1228.8451,"end":1238.125,"sentiment":"neutral","sentiment_score":0.016340101286768913},{"text":"Well, I looked and it was like when, like, the Ukraine thing kicked off, I happened to look at the same time, and I was like, oh, crap.","start":1238.125,"end":1247.34,"sentiment":"neutral","sentiment_score":-0.19580865944070475},{"text":"That took a punishing.","start":1247.34,"end":1248.2999,"sentiment":"negative","sentiment_score":-0.4477905333042145}],"sentiment":"neutral","sentiment_score":-0.21328755772750205,"num_words":96,"start":1209.385,"end":1248.2999},{"sentences":[{"text":"And then, again, I did it this year, and then there was something that happened last year.","start":1248.2999,"end":1252.0599,"sentiment":"neutral","sentiment_score":-0.2075007356265012},{"text":"And I was like, you know what?","start":1252.0599,"end":1253.74,"sentiment":"neutral","sentiment_score":-0.23435682271208083},{"text":"I'm just not gonna log in because this is just getting upsetting.","start":1253.74,"end":1256.905,"sentiment":"negative","sentiment_score":-0.4095582018295924},{"text":"So yeah.","start":1258.3251,"end":1263.545,"sentiment":"neutral","sentiment_score":-0.2667124271392822},{"text":"Yeah.","start":1266.9401,"end":1267.4401,"sentiment":"neutral","sentiment_score":-0.1045345664024353}],"sentiment":"neutral","sentiment_score":-0.27488892582746655,"num_words":39,"start":1248.2999,"end":1267.4401},{"sentences":[{"text":"Yeah.","start":1277.9,"end":1278.4,"sentiment":"neutral","sentiment_score":0.018141604959964752},{"text":"Yep.","start":1316.305,"end":1316.805,"sentiment":"neutral","sentiment_score":0.06357084214687347},{"text":"Yep.","start":1320.545,"end":1321.045,"sentiment":"neutral","sentiment_score":0.05319540202617645},{"text":"Yeah.","start":1355.29,"end":1355.53,"sentiment":"neutral","sentiment_score":-0.017960285767912865},{"text":"Yeah.","start":1355.53,"end":1356.03,"sentiment":"neutral","sentiment_score":0.024454450234770775}],"sentiment":"neutral","sentiment_score":0.028280402719974517,"num_words":5,"start":1277.9,"end":1356.03},{"sentences":[{"text":"Yeah.","start":1357.45,"end":1357.95,"sentiment":"neutral","sentiment_score":0.08405958861112595},{"text":"Yeah.","start":1358.01,"end":1358.49,"sentiment":"neutral","sentiment_score":0.13901914656162262},{"text":"That's yeah.","start":1358.49,"end":1359.61,"sentiment":"neutral","sentiment_score":0.2555483430624008},{"text":"I that's that's actually really good advice.","start":1359.61,"end":1363.13,"sentiment":"positive","sentiment_score":0.46158802935055326},{"text":"Maybe don't log in where you you've seen something go on the news.","start":1363.13,"end":1368.2949,"sentiment":"neutral","sentiment_score":0.028281166361501582}],"sentiment":"neutral","sentiment_score":0.18053944956045598,"num_words":24,"start":1357.45,"end":1368.2949},{"sentences":[{"text":"Yeah.","start":1379.93,"end":1380.43,"sentiment":"neutral","sentiment_score":-0.013827800750732422},{"text":"Yeah.","start":1394.7251,"end":1395.2251,"sentiment":"neutral","sentiment_score":-0.10626537352800368},{"text":"Yeah.","start":1398.165,"end":1398.665,"sentiment":"neutral","sentiment_score":-0.006518762558698654},{"text":"So well, it's it's bounced back.","start":1399.125,"end":1401.125,"sentiment":"neutral","sentiment_score":0.1946422979235649},{"text":"So I I looked.","start":1401.125,"end":1401.925,"sentiment":"neutral","sentiment_score":0.1551869548857212}],"sentiment":"neutral","sentiment_score":0.12784535924975687,"num_words":13,"start":1379.93,"end":1401.925},{"sentences":[{"text":"So I was like, I'm I'm happy now, but yeah.","start":1401.925,"end":1405.21,"sentiment":"neutral","sentiment_score":0.13922393843531608},{"text":"I'm I'm I might not if I see something in the news, I just won't look for a little 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right.","start":1455.5449,"end":1456.205,"sentiment":"neutral","sentiment_score":0.2857968509197235},{"text":"Yep.","start":1458.9049,"end":1459.17,"sentiment":"neutral","sentiment_score":0.3199002742767334},{"text":"Yep.","start":1468.6901,"end":1469.1901,"sentiment":"neutral","sentiment_score":0.05058714374899864},{"text":"Yeah.","start":1475.145,"end":1475.645,"sentiment":"neutral","sentiment_score":-0.005823148880153894}],"sentiment":"neutral","sentiment_score":0.2073511651251465,"num_words":6,"start":1449.945,"end":1475.645},{"sentences":[{"text":"Yeah.","start":1480.905,"end":1481.145,"sentiment":"neutral","sentiment_score":0.05464668571949005},{"text":"Because that'll only help the overall super, as you said.","start":1481.145,"end":1485.085,"sentiment":"neutral","sentiment_score":0.18662429675459863},{"text":"Less fees, more investment.","start":1485.785,"end":1487.885,"sentiment":"neutral","sentiment_score":0.174024548381567},{"text":"So no.","start":1497.91,"end":1498.65,"sentiment":"neutral","sentiment_score":-0.007795686833560466},{"text":"Yeah.","start":1516.03,"end":1516.53,"sentiment":"neutral","sentiment_score":-0.07130074501037598}],"sentiment":"neutral","sentiment_score":0.14056087378412485,"num_words":18,"start":1480.905,"end":1516.53},{"sentences":[{"text":"Yeah.","start":1519.15,"end":1519.65,"sentiment":"neutral","sentiment_score":0.04782908409833908},{"text":"Yep.","start":1520.8301,"end":1521.3301,"sentiment":"neutral","sentiment_score":0.12501928210258484},{"text":"No.","start":1527.31,"end":1527.55,"sentiment":"neutral","sentiment_score":-0.02670646458864212},{"text":"It should be alright.","start":1527.55,"end":1530.0049,"sentiment":"neutral","sentiment_score":-0.002102811820805073},{"text":"Whenever they need to give me a call about if there's any more 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yeah.","start":1554.26,"end":1555.215,"sentiment":"neutral","sentiment_score":0.17605772614479065}],"sentiment":"neutral","sentiment_score":0.26814894885756074,"num_words":20,"start":1534.225,"end":1555.215},{"sentences":[{"text":"Yep.","start":1559.855,"end":1560.255,"sentiment":"neutral","sentiment_score":0.11957614868879318},{"text":"Alright.","start":1560.255,"end":1560.755,"sentiment":"neutral","sentiment_score":0.1520330160856247},{"text":"Excellent.","start":1563.615,"end":1564.095,"sentiment":"positive","sentiment_score":0.6660338640213013},{"text":"Thank you.","start":1564.095,"end":1564.9149,"sentiment":"positive","sentiment_score":0.6954076588153839},{"text":"Oh, actually, there was one thing.","start":1566.015,"end":1570.095,"sentiment":"neutral","sentiment_score":0.0896172160282731}],"sentiment":"neutral","sentiment_score":0.2605601493269205,"num_words":11,"start":1559.855,"end":1570.095},{"sentences":[{"text":"So I got Connor to email me about the wills and, like, the EPOA.","start":1570.095,"end":1576.25,"sentiment":"neutral","sentiment_score":-0.0064992525481751984},{"text":"They so he sent me like, because I don't really understand how well, I understand what we'll do and all they encompass, but he sent me one for a single.","start":1578.07,"end":1589.475,"sentiment":"neutral","sentiment_score":-0.046771396851787966},{"text":"Is there, like, a package deal for couples at all?","start":1589.475,"end":1593.1749,"sentiment":"neutral","sentiment_score":-0.019052564166486263},{"text":"Or is that something I'd have to take up with that that lawyer?","start":1593.315,"end":1596.375,"sentiment":"neutral","sentiment_score":-0.05009591837341969},{"text":"Because my wife doesn't have a lawyer either.","start":1596.995,"end":1599.42,"sentiment":"neutral","sentiment_score":-0.09285164438188076}],"sentiment":"neutral","sentiment_score":-0.041049562357366086,"num_words":75,"start":1570.095,"end":1599.42},{"sentences":[{"text":"So I'm like, if we can get all three all all two done, two wills and two PPOAs done all in one go, that'd be and, like, if we can package it into a yeah.","start":1599.42,"end":1626.125,"sentiment":"neutral","sentiment_score":0.008875170137201037},{"text":"It Yeah.","start":1626.125,"end":1627.9371,"sentiment":"neutral","sentiment_score":0.006201919633895159},{"text":"It's just that, like yeah.","start":1627.9371,"end":1628.28,"sentiment":"neutral","sentiment_score":-0.0017980075441300868},{"text":"It was just I actually can't remember what lawyer it was, but it was, like, package like, it was a a single will a singles will or and singles EPOA or a package for the will and the EPOA all in one.","start":1628.28,"end":1645.985,"sentiment":"neutral","sentiment_score":0.002116955683699676},{"text":"But I was, like, just wondering if, like, there was a way we could see what the pricing was for bundling, like, mine and my wife's and all that sort of stuff because, essentially, it's probably just gonna be all to her if anything happens to me.","start":1645.985,"end":1662.0,"sentiment":"neutral","sentiment_score":-0.02434470108214845}],"sentiment":"neutral","sentiment_score":-0.005658351570964997,"num_words":131,"start":1599.42,"end":1662.0},{"sentences":[{"text":"But, like yeah.","start":1662.0,"end":1665.62,"sentiment":"neutral","sentiment_score":-0.003005795801679294},{"text":"Yep.","start":1675.045,"end":1675.545,"sentiment":"neutral","sentiment_score":0.0820484608411789},{"text":"Yep.","start":1685.95,"end":1686.03,"sentiment":"neutral","sentiment_score":0.057664655148983},{"text":"Okay.","start":1686.03,"end":1686.53,"sentiment":"neutral","sentiment_score":0.1256299763917923},{"text":"Thank you.","start":1690.19,"end":1690.9299,"sentiment":"positive","sentiment_score":0.5547173619270325}],"sentiment":"neutral","sentiment_score":0.17072005360387266,"num_words":8,"start":1662.0,"end":1690.9299},{"sentences":[{"text":"Yep.","start":1698.135,"end":1698.635,"sentiment":"neutral","sentiment_score":0.20481407642364505},{"text":"Is that from a super?","start":1705.1749,"end":1706.475,"sentiment":"neutral","sentiment_score":0.0033227618783712386},{"text":"Or I think I did that the last year.","start":1707.8949,"end":1713.82,"sentiment":"neutral","sentiment_score":0.0489089654551612},{"text":"I got a letter from somebody that I had to go like, I had to nominate and then find two witnesses.","start":1713.82,"end":1718.72,"sentiment":"neutral","sentiment_score":0.040064762568189985},{"text":"So I think that yeah.","start":1720.14,"end":1723.4199,"sentiment":"neutral","sentiment_score":0.07743134647607804}],"sentiment":"neutral","sentiment_score":0.04610061759083736,"num_words":41,"start":1698.135,"end":1723.4199},{"sentences":[{"text":"And Katie should also be on the live.","start":1723.4199,"end":1725.165,"sentiment":"neutral","sentiment_score":0.12427211180329323},{"text":"Yeah.","start":1733.305,"end":1733.805,"sentiment":"neutral","sentiment_score":0.034966081380844116},{"text":"Okay.","start":1740.42,"end":1740.92,"sentiment":"neutral","sentiment_score":0.020953085273504257},{"text":"Some question.","start":1741.2201,"end":1742.02,"sentiment":"neutral","sentiment_score":-0.004552043043076992},{"text":"When it comes to beneficiaries, they can't be disputed, can they?","start":1742.02,"end":1745.88,"sentiment":"neutral","sentiment_score":-0.012278030795807188}],"sentiment":"neutral","sentiment_score":0.039388418966985264,"num_words":23,"start":1723.4199,"end":1745.88},{"sentences":[{"text":"Yep.","start":1766.5499,"end":1767.0499,"sentiment":"neutral","sentiment_score":0.026308566331863403},{"text":"Yep.","start":1772.63,"end":1773.13,"sentiment":"neutral","sentiment_score":0.03421647101640701},{"text":"Okay.","start":1783.3651,"end":1783.8651,"sentiment":"neutral","sentiment_score":0.001151716336607933},{"text":"Okay.","start":1790.165,"end":1790.665,"sentiment":"neutral","sentiment_score":0.010835218243300916},{"text":"Yeah.","start":1790.7251,"end":1791.2051,"sentiment":"neutral","sentiment_score":0.013041319325566292}],"sentiment":"neutral","sentiment_score":0.01711065825074911,"num_words":5,"start":1766.5499,"end":1791.2051},{"sentences":[{"text":"I'm not sure I went, like, legally binding, but I just wanted to make sure because yeah.","start":1791.2051,"end":1799.31,"sentiment":"neutral","sentiment_score":-0.07892063796958503},{"text":"Look.","start":1799.31,"end":1799.81,"sentiment":"neutral","sentiment_score":-0.001319047063589096},{"text":"My family are a bit of pouches, so I just wanna make sure that nothing can happen to the money and it goes to Katie.","start":1800.35,"end":1806.05,"sentiment":"neutral","sentiment_score":0.008322599083185197},{"text":"Yep.","start":1811.745,"end":1812.245,"sentiment":"neutral","sentiment_score":0.23821935057640076},{"text":"Alright.","start":1817.585,"end":1817.905,"sentiment":"neutral","sentiment_score":0.2005777806043625}],"sentiment":"neutral","sentiment_score":-0.015469061873025365,"num_words":45,"start":1791.2051,"end":1817.905},{"sentences":[{"text":"K.","start":1817.905,"end":1818.145,"sentiment":"neutral","sentiment_score":0.12845011055469513},{"text":"Alrighty.","start":1818.145,"end":1818.645,"sentiment":"neutral","sentiment_score":0.3256456255912781},{"text":"No.","start":1824.305,"end":1824.545,"sentiment":"neutral","sentiment_score":0.008525796234607697},{"text":"I think that's about it now.","start":1824.545,"end":1832.78,"sentiment":"neutral","sentiment_score":0.3167218243082364},{"text":"Thank you.","start":1833.1799,"end":1834.58,"sentiment":"positive","sentiment_score":0.551595151424408}],"sentiment":"neutral","sentiment_score":0.31510388918898324,"num_words":11,"start":1817.905,"end":1834.58},{"sentences":[{"text":"Awesome.","start":1834.98,"end":1835.3,"sentiment":"positive","sentiment_score":0.7485959529876709},{"text":"No worries.","start":1835.3,"end":1835.86,"sentiment":"positive","sentiment_score":0.528569296002388},{"text":"Thank you.","start":1835.86,"end":1836.52,"sentiment":"positive","sentiment_score":0.5896490216255188},{"text":"You too.","start":1839.3,"end":1839.9629,"sentiment":"positive","sentiment_score":0.6147736012935638},{"text":"Bye.","start":1843.4028,"end":1843.8479,"sentiment":"neutral","sentiment_score":-0.08716786652803421}],"sentiment":"positive","sentiment_score":0.5159264905378222,"num_words":8,"start":1834.98,"end":1843.8479}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Speaking.\n\nChannel 0: Good day, Rob. Tommy here from Oakview Financial Bank, senior adviser. How are you doing?\n\nChannel 1: Not too bad, mate. How are you?\n\nChannel 0: I'm living the dream. It's a beautiful day on the Gold Coast. What about your end?\n\nChannel 1: Yeah. I'm stuck in traffic on the Gold Coast.\n\nChannel 0: Oh, no. School traffic at the end of the day. I'm sorry, mate. Everyone's horrid.\n\nChannel 1: Yep. That's all good.\n\nChannel 0: Cool, mate. I just had a a couple of minutes to chat to you about the, the super and the insurances from your conversation with Connor. Do you have a a bit of time for me now while you're stuck?\n\nChannel 1: Yep. Yeah, mate. Yeah. Yeah.\n\nChannel 0: Cool. So before I dive into it, just to let you know, I'm registered with ASIC as Adviser 1273105.\n\nChannel 1: Yep.\n\nChannel 0: Just for security, could I get your date of birth and address?\n\nChannel 1: 12/17/1993. 50 McCaleb Way, Lake Reserve 4133.\n\nChannel 0: Sensational. And are you okay for the call to be recorded?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect, mate. So one of the things I was having a look at before the call was you've had some improvements in your your duties at your occupation now that you're a supervisor.\n\nChannel 1: Yes.\n\nChannel 0: So really good thing about that is that once you get, I guess, quote unquote, off the tools\n\nChannel 1: Yes.\n\nChannel 0: and go into\n\nChannel 1: Yep.\n\nChannel 0: a more supervisory position, it improves your occupation rating that affects all of the prices.\n\nChannel 1: Oh, that'd be nice. Maybe less\n\nChannel 0: So\n\nChannel 1: money spent on insurance premiums.\n\nChannel 0: yes. And that's exactly what we want, isn't it?\n\nChannel 1: Yeah.\n\nChannel 0: So what I'm kinda looking at is you're you're technically at a double b rating at the moment. It kind of goes b, double b, triple b, and then goes to a. You're at a double b\n\nChannel 1: Alright.\n\nChannel 0: at the moment as you're previously kind of like the machinist, and they're linking in with metal and wood industry. That was kind of the\n\nChannel 1: Yep.\n\nChannel 0: overall category you fell into.\n\nChannel 1: Okay.\n\nChannel 0: Oh, income's gone up from 80 to 94. And\n\nChannel 1: Yep.\n\nChannel 0: based on the duties that I've got here, 75% office, 25% of the time on the shop, but not doing any tools, you'd\n\nChannel 1: No.\n\nChannel 0: be looking at\n\nChannel 1: Not\n\nChannel 0: either\n\nChannel 1: at all.\n\nChannel 0: a so no tools at all.\n\nChannel 1: Like, I I occasionally pick up if I've got a repair machine, but that's about it.\n\nChannel 0: Yeah. Cool. So\n\nChannel 1: No.\n\nChannel 0: when we call through to the insurers, you're either gonna be\n\nChannel 1: Yep.\n\nChannel 0: late listed as a triple b or an a rating. Either one's gonna get you a nice nice chunk\n\nChannel 1: Awesome.\n\nChannel 0: saved. So that one's nice and easy. We're gonna call Tal, your current insurer, and see if we can kind of\n\nChannel 1: Yep.\n\nChannel 0: negotiate that one down a little bit.\n\nChannel 1: Yep.\n\nChannel 0: On the flip side as well, I'm just having a look at the exclusions there, just a bit of health details, couple of things here. Let\n\nChannel 1: Yep.\n\nChannel 0: me just have a quick look at the the current amount. But it seems like from your conversation with with Connor that you were kind of happy with the amounts of, like, life insurance that you've got.\n\nChannel 1: Yeah. Yeah. They they cover it like, the life insurance covers any outstanding debts should anything happen\n\nChannel 0: Mhmm.\n\nChannel 1: to me. And then it's a case of, like, the permanent disability. It would also cover all the outstanding debts and then still leave a little bit left over for any modifications that need to be done to the house if I was working permanently disabled.\n\nChannel 0: Beautiful.\n\nChannel 1: So I think we should be right for\n\nChannel 0: Cool. And added on top of that, in those events, the super comes into play as well.\n\nChannel 1: that. Yes.\n\nChannel 0: Perfect. So the the current premium is a little bit over 3,000. They dropped to $2.06 after the 15% rebate. And then once we get that\n\nChannel 1: Yep.\n\nChannel 0: occupation rating fixed up, it wouldn't surprise me if it dropped another $4,500 at least. Maybe a bit more if we can get an a rate. What I'm sort of thinking too is just double check on your your income protection. Now this one's purely up to you on this, but\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: maximum you can ensure for is 70% of your increased income. So\n\nChannel 1: Yep.\n\nChannel 0: you currently got 4,950 a month worth of cover, which basically gives you a thousand bucks a week after tax a little bit more.\n\nChannel 1: Yeah.\n\nChannel 0: What I'm kinda thinking expenses wise is the maximum you could do is 5,400 a month, which is like an extra, you know, $100 a week, something like that. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: were\n\nChannel 1: It might\n\nChannel 0: you\n\nChannel 1: be\n\nChannel 0: wanting\n\nChannel 1: a\n\nChannel 0: me\n\nChannel 1: better\n\nChannel 0: to look\n\nChannel 1: alternative.\n\nChannel 0: at that?\n\nChannel 1: Yeah. We if we can, if it's not gonna, like, exacerbate the the premiums too much, yeah, that probably would be a good amount. Because I actually I get paid monthly, and I know all the outgoings that I pay\n\nChannel 0: Yeah.\n\nChannel 1: come to about 5,400, and then the rest is just left over to as a little bit of a flush fund in this shortfall anyway.\n\nChannel 0: Okay. Yeah. So probably it's pretty important just to get that that maximum amount if we can.\n\nChannel 1: Yeah. Yeah. That probably would be a good idea, actually. Yeah.\n\nChannel 0: Beautiful. So I'll do a bit of an alteration quote with them. And then it's just working through a bit of the health details and your super portfolio. So\n\nChannel 1: Yep.\n\nChannel 0: I'll give a bit of a call around for them, but I'm just having a look at the the back exclusion that you had at the time. Lumbosacral. So I think they're talking about the lower back here, and it\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: It\n\nChannel 0: says here that you've\n\nChannel 1: was\n\nChannel 0: been\n\nChannel 1: like\n\nChannel 0: pretty sweet on the wall.\n\nChannel 1: yeah. I haven't had any issues with it since. Like and, like, the only reason it popped up on my like, the thing last time was because I actually had to go to the doctor for it, and, like, that was it's for us. I've been in my new house, like, five years now. So it's probably, like, five years ago, I think it was.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, it seems to be like, you get the usual aches and pains, like, everybody, but I haven't haven't had to take time off work for it or anything like that.\n\nChannel 0: Awesome. So no time off work. If anything, usual aches and pains anyone else gets in terms of, you know, bit of neurofen or something if you if\n\nChannel 1: Yeah.\n\nChannel 0: the body's a\n\nChannel 1: Yeah.\n\nChannel 0: bit sore for the day.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So all I can really do there is we'll give Tal a call, and I'm basically gonna say, hey. Can you guys look at that original application based on five years of symptoms and treatment free. Is this reviewable? Can we get that cleaned off?\n\nOr is there something underlying there that they, you know, put a permanent flag on? But it's basically just\n\nChannel 1: Alright.\n\nChannel 0: making the call and seeing what we can do on that one.\n\nChannel 1: Yeah.\n\nChannel 0: They may ask a few further details. So if if they do, you're right for the team to give you a quick buzz and and get a few things\n\nChannel 1: Yeah.\n\nChannel 0: from\n\nChannel 1: Yeah.\n\nChannel 0: you either. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: They did send me an email a couple of months back. It comes about go for a health check and get 5% off, but I wasn't sure that that was just like I I honestly didn't quite understand the whole thing. So I was like, you guys haven't called me about it, so I'm not worried about it.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Tal's been pretty big on, like, the old BMI discounts. They call it a\n\nChannel 1: Oh,\n\nChannel 0: HealthSense\n\nChannel 1: okay.\n\nChannel 0: discount. So I am gonna also flag with them the the 12 kegs that you you lost over the last year or so and see if that\n\nChannel 1: Yep.\n\nChannel 0: moves you into a a better category there as well.\n\nChannel 1: Yeah. Yeah. Because I'm aiming to lose more, so can I help?\n\nChannel 0: Yeah. And one of the things that happens, unfortunately, is in that first twelve months, they do something called add backs where they go, oh, you've lost x amount of kilos. We add 50% back on until it's been kept off for\n\nChannel 1: Oh, yeah.\n\nChannel 0: more than twelve months. So it's one of those things where either I can review it now or failing that six to twelve months time, it'll be a green light straight away.\n\nChannel 1: Oh, yeah. Oh, yeah. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: No worries.\n\nChannel 0: And the last one is the the reflux. Good.\n\nChannel 1: Oh, yeah. Yeah. They're good. I do take medication as needed, but but basically been just treating the diet and medication when needed, but not\n\nChannel 0: Gotcha.\n\nChannel 1: haven't had any, like, bleeding or anything like that.\n\nChannel 0: Perfect. So I'm gonna have a look. I'm just gonna look in through the previous application to see if I can see what's in there. But I will give them a call, and I'll I'll kind of ask the question on that one as well because it may be a combination of, like, BMI and the Gord might be leading to that loading. And if I can\n\nChannel 1: Alright.\n\nChannel 0: get that loading off, you're gonna have a huge savings. Like, if we if we get the occupation rating improved and the 50% loading off, you you drop to, like, a little over a thousand bucks. So, again, whether it's right now, but yeah. Yeah. And I think that'll just it compounds.\n\nRight? Because whatever we save on those fees, they get invested, and then that grows over\n\nChannel 1: Yep.\n\nChannel 0: the years too.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Let's have a look here. Just bear with me for two seconds, but I do apologize. I'm just looking through this 21 page application here. Just trying to find those questions.\n\nChannel 1: Yep.\n\nChannel 0: Because you've already gone through, like, blood test, everything. K. Alright. I've also been looking at the portfolio as well. Just looking at a few updates there.\n\nChannel 1: Yep.\n\nChannel 0: Just while I'm having a look for the the Gordon, so do you have any preference between like, so when it comes to the super investments with Hub, they've got kind of the the most investment options out there for the industry. So I'm gonna\n\nChannel 1: Oh, yeah.\n\nChannel 0: be sifting through about 1,300 of them, and I've got my metrics on how to kind of whittle that down a little bit.\n\nChannel 1: Yep.\n\nChannel 0: What I'm sort of thinking, though, is we can kind of go two main styles. We can replace them with lower fee options that follow the market very closely in that asset class, like the stock market, gold market, and so on, or we\n\nChannel 1: Yep.\n\nChannel 0: can stay in that pay higher fees, try and get a higher return style as well. Do you have a strong leaning between the two?\n\nChannel 1: I I sorta because I'm, like, not looking to retire, like, in the next, like, ten, fifteen, twenty years, I I I sorta lean more towards I'm happy with a little bit risk and a little bit of growth. It's like a like a higher potential for growth.\n\nChannel 0: Yeah.\n\nChannel 1: But, like, I'd also say don't wanna, like, put all my eggs in one basket and then a blow up in my face.\n\nChannel 0: Perfect.\n\nChannel 1: So,\n\nChannel 0: Perfect.\n\nChannel 1: like, I'm\n\nChannel 0: So\n\nChannel 1: sort\n\nChannel 0: what\n\nChannel 1: of\n\nChannel 0: that means sorry. Can you say that last bit again?\n\nChannel 1: that. So, like, I'm sort of more in the middle ground. Like, I'm willing to take a little bit of risk, but I also don't wanna, like, have it blow up in my face. So\n\nChannel 0: Yeah. I'm having a look at your your, like, your risk profile at the moment. And because you're kind of in that that growth risk profile, you're not high risk. You've got that 80% in growth assets where you've still got a decent chunk\n\nChannel 1: Yep.\n\nChannel 0: in\n\nChannel 1: Yep.\n\nChannel 0: the safer side of things. And then what that means is if I go that direction that you just said for the replacement option, it means just\n\nChannel 1: Yep.\n\nChannel 0: one option stays in that style. And if that one option kind of blows up, it's only a small portion of your overall balance.\n\nChannel 1: Yeah. Yeah. That that's sort of what I was looking trying to say. I wasn't really doing really well, but, yeah, I\n\nChannel 0: No. I knew\n\nChannel 1: I'm\n\nChannel 0: exactly\n\nChannel 1: I'm happy\n\nChannel 0: what\n\nChannel 1: to\n\nChannel 0: you're\n\nChannel 1: have\n\nChannel 0: talking\n\nChannel 1: a little\n\nChannel 0: about.\n\nChannel 1: bit to, like like, in a higher risk on the option that it gives me a better return, but then I also don't wanna put more banks in one basket and lose it all. So\n\nChannel 0: Exactly. So what we'll do is we've got this core and satellite approach going with yours where there's a whole group of small amounts in these different sectors\n\nChannel 1: Yep.\n\nChannel 0: and countries and things. So if one of those goes sour, it's not impacting the overall balance. You've still got a steady ship in the middle, and\n\nChannel 1: Yep.\n\nChannel 0: we can kind of afford to take a little bit more risk on one option, but without increasing your entire risk profile from, like, a four to a five out of five. Perfect. And that\n\nChannel 1: Yep.\n\nChannel 0: ties in pretty well, like you said, retirement's ages away. So we've got decades up our sleeve. If we need to review it next year, we can always bump things up and down as we need to. And for\n\nChannel 1: Yeah.\n\nChannel 0: this, it's really just an engine tune up because there's a couple of options that, you know, they haven't been doing what we expected them to do. So I need to kind\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: It's\n\nChannel 0: slot\n\nChannel 1: the\n\nChannel 0: someone\n\nChannel 1: the\n\nChannel 0: in who is\n\nChannel 1: Ben Ben some Betty or some like,\n\nChannel 0: yeah.\n\nChannel 1: there was\n\nChannel 0: That's\n\nChannel 1: some investments.\n\nChannel 0: the one. Ben\n\nChannel 1: What\n\nChannel 0: along.\n\nChannel 1: Bedelon. Yeah. Sorry. I was I knew it was Ben, and I'm like, Bettyview something, so I\n\nChannel 0: Yeah. There's there's Benelon is the main one where\n\nChannel 1: can't remember.\n\nChannel 0: it's kind of shot off in in in an odd direction. Like, it's dropped a bit faster than the other ones in its group, and it hasn't\n\nChannel 1: Yep.\n\nChannel 0: kind of caught back up the way it should have.\n\nChannel 1: Yeah. So, Connor, was it said that you guys were doing due diligence on finding a new, like, a new investment to replace that one, if I'm understanding it\n\nChannel 0: Yeah. We've been talking with the investment committee about\n\nChannel 1: correctly.\n\nChannel 0: a few options we've been researching, and that's kind of\n\nChannel 1: Yep.\n\nChannel 0: why I asked that style question before because if there's three or four I narrow it down to, I wanna make sure\n\nChannel 1: Yep.\n\nChannel 0: that I'm kind of tailoring the super to behave in a way that you expect, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: And the other thing too, this one's a little bit out of left field, but the government's phasing out a specific type of term deposit called a bank hybrid that you do have. That one's easy. I basically just need to switch that out with another type of term deposit that's not being phased out. Yeah. Nothing crazy.\n\nAnd oddly enough, I know in Australia, property is kind of like the one asset to invest in in Australia, but your\n\nChannel 1: Yeah.\n\nChannel 0: your property option, unfortunately, invests in property companies. And since the government did that new legislation for capital gains tax and negative gearing, those companies are starting to go under and reduce\n\nChannel 1: Yeah.\n\nChannel 0: profits\n\nChannel 1: And I figured\n\nChannel 0: and\n\nChannel 1: they\n\nChannel 0: activity.\n\nChannel 1: would.\n\nChannel 0: So they're getting hit hard, and\n\nChannel 1: Yeah.\n\nChannel 0: there's no good kind of property like, there's no direct property fund I can slot it into so you get the growth of the market. I basically\n\nChannel 1: Yep.\n\nChannel 0: need to keep you away from those companies as well.\n\nChannel 1: Yeah. And I don't really have a preference or idea on what to do there, but I'll take whatever advice you've got.\n\nChannel 0: Easy done. I've got a few few different options in different areas that we might be able to just diversify you into a little bit. And one thing I need to do as well is also we call it like a rebalance. So because you've got eight options there, some of them go up, some of them go down. Maybe we originally said that you should have 7% of your money in this 7% in that one.\n\nAnd if one's gone\n\nChannel 1: Yep.\n\nChannel 0: up to nine, one's gone down to six, we need to just kind of bring them back to their original weightings, if that makes\n\nChannel 1: Yep. Yep.\n\nChannel 0: sense. Kinda like a buy low to sell high.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So I can get that one fixed up pretty easy. I will basically just do those comparisons, update the plan for you at the same time as us calling the insurer and seeing if I can get the occupation rating updated, bit of an increased quote from Tal, which may take them about a week to send through to me. So\n\nChannel 1: Yep.\n\nChannel 0: I will get the team to give you a call in a in\n\nChannel 1: Yep.\n\nChannel 0: about a fortnight just to book you in to go through those figures with me.\n\nChannel 1: No worries.\n\nChannel 0: Beautiful. Do you have any questions for me at this point?\n\nChannel 1: Just off the top of your your head because I know it was, like, a 113,000, I think, I had it with super as of whenever. What's sort of, like, percentage, like, growth on the year? Like,\n\nChannel 0: Actually, I've got that open as well. Just bear with me two secs, Rob. So that review report that you got from from Connor in the pack, if you ever go into that one, just so you know sort of how to read these things, it's got\n\nChannel 1: Yep.\n\nChannel 0: two\n\nChannel 1: Yeah.\n\nChannel 0: pages\n\nChannel 1: I\n\nChannel 0: on\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: sort of started looking and I was like, oh, I'm probably just gonna wait for you to give me a call, and I'll ask the questions then.\n\nChannel 0: yeah. No. They're they're a bit fun to look at when it's just a table full of figures. It's not the most user friendly report. They are developing\n\nChannel 1: Yep.\n\nChannel 0: some nice nicer ones that kind of make a bit more sense, graphs and things like that, but\n\nChannel 1: Yep.\n\nChannel 0: this one can be a bit overwhelming. Alright. So when I look at all the options, so it's got two pages. First page has every option by themselves, and then the second page is the overall portfolio. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: that ranges from Benelon being down 15%. And then on the upper side, your battery tech and electric vehicle shares are up 35%. So it kind of shows you how each one is going on that right hand column.\n\nChannel 1: Yep.\n\nChannel 0: And then overall, it shows a growth of about just under 7% for the year after fees, taxes, and premiums, which is just under 8,000 on top of the contribution. So it's about 22% below what we would have hoped for for the year.\n\nChannel 1: Yeah. Because I was I sorta remember, I think, over the not not this year, but the year before, it was, like, 11%. It was a lot higher than what you guys were expecting. And I was like and then I was like I I had a look at those numbers. I was like, I think that's the number I'm think like, looking for.\n\nI was like, jeez. That's a bit lower than last year. And, again, like, because that been along didn't perform the way it was predicted, I was assuming that would have hurt the overall. So but\n\nChannel 0: Yeah. Overall, like, it's probably affected it by that kind of one and a half percent to get it just\n\nChannel 1: oh,\n\nChannel 0: below\n\nChannel 1: yeah.\n\nChannel 0: the benchmark. On top of that, that big drop we had in February, March when the Iran war kicked off kind of pulled everyone down about 7%, so it had to catch back up the last half of the year. And I guess the combination of both of those is what you're reading in those figures.\n\nChannel 1: Yeah. Yeah. Yeah. Because I I made the mistake of checking my server to plugging in the hub around that time. I had a mini heart attack.\n\nChannel 0: Oh, no.\n\nChannel 1: So so I I I I actually didn't open it back up until you guys rang me for my yearly review because I was like, oh, that's that's probably terrifying and slightly upsetting. So\n\nChannel 0: One of the\n\nChannel 1: I\n\nChannel 0: crazy\n\nChannel 1: seem\n\nChannel 0: things\n\nChannel 1: to have,\n\nChannel 0: that happens sorry. Go go for\n\nChannel 1: yeah.\n\nChannel 0: it.\n\nChannel 1: I think I have that really good luck of always looking right at the most inopportune times because every\n\nChannel 0: Like,\n\nChannel 1: time I\n\nChannel 0: bottom\n\nChannel 1: look,\n\nChannel 0: of\n\nChannel 1: it's\n\nChannel 0: COVID\n\nChannel 1: like\n\nChannel 0: or something.\n\nChannel 1: yeah. Well, I looked and it was like when, like, the Ukraine thing kicked off, I happened to look at the same time, and I was like, oh, crap. That took a punishing. And then, again, I did it this year, and then there was something that happened last year. And I was like, you know what?\n\nI'm just not gonna log in because this is just getting upsetting.\n\nChannel 0: I'll give you two\n\nChannel 1: So\n\nChannel 0: tips. Don't look at your super the day that the news comes out.\n\nChannel 1: yeah.\n\nChannel 0: That's that's a fast way for everyone to panic.\n\nChannel 1: Yeah.\n\nChannel 0: And the second tip is so this is the funny thing about Supra is you've just hit that kind of 6 figure mark. You're over 100,000 now.\n\nChannel 1: Yeah.\n\nChannel 0: When you hit the forties and you start cresting up to $3,400,000, you hit this weird period where all the returns are percentage based. So if it goes up ten, fifteen, 20% a year, now we're talking about $40.50, $60,000 swings up and down in a single year. But that also gets you from the 400,000 to the million. And then once you've got that at, like, 52, then you start reducing that growth allocation down from 80%,\n\nChannel 1: Yep.\n\nChannel 0: you know, shares to seventy, sixty, fifty, forty, just gradually in\n\nChannel 1: Yep.\n\nChannel 0: that last decade. And then you've essentially protected the million, and then you've got your nice healthy nest egg to retire on. It can earn a little bit. You can pull out a little bit to live on, and that's all good. But that period between kind of forty and fifty where you make the most gains, but you see the biggest swings, that's why we have these these risk profile questionnaires and risk discussions because it's all fun when you're 25, you've got $15 in super.\n\nOh, you know, it goes up and down kind of thing. But when you're like, oh, my super is down $60,000 in four months, it becomes a\n\nChannel 1: Yeah.\n\nChannel 0: little\n\nChannel 1: Yeah.\n\nChannel 0: bit more real.\n\nChannel 1: Yeah. Yeah. That's yeah. I that's that's actually really good advice. Maybe don't log in where you you've seen something go on the news.\n\nChannel 0: Yeah. And, honestly, half my my career now, like, I'm coming on thirteen years, and half of it just seems to be trying to get people not to panic because people\n\nChannel 1: Yeah.\n\nChannel 0: tend to not look at their super their whole life, and then you go pay a few thousand dollars for a financial adviser, and then you wanna look at it every day. And the moment you see it go down, you're panicking. But beforehand, when the world melted down, everyone didn't even look at it for three years and didn't\n\nChannel 1: Yeah.\n\nChannel 0: even notice that it went down and back up again.\n\nChannel 1: Yeah. So well, it's it's bounced back. So I I looked. So I was like, I'm I'm happy now, but yeah. I'm I'm I might not if I see something in the news, I just won't look for a little bit.\n\nChannel 0: Yeah. That that's always healthy. And bear in mind, we're not doing anything too crazy with the super where we're trying to risk a permanent loss that you can't recover from, and you're gonna have\n\nChannel 1: Yeah.\n\nChannel 0: a horrible retirement. We're playing the law of averages over a long period of time. And that's why when people ask us, can you invest in crypto and silver and and these things that can go up and down 80% in a single year, we're just not doing that because you don't need to.\n\nChannel 1: No.\n\nChannel 0: My job is to get you from that kind of eight or 9% return to the ten, eleven, 12, and that compounds to\n\nChannel 1: Yep.\n\nChannel 0: an extra few $100,000 at the end. And now you're comfortable, now you're self funded,\n\nChannel 1: Yes.\n\nChannel 0: and we're just averaging out an extra couple of percent after everything's\n\nChannel 1: That's right.\n\nChannel 0: said and done. Cool.\n\nChannel 1: Yep.\n\nChannel 0: I will dive into that, get the quotes going. I will do the updated comparisons and show you both in the one updated document and projections. And\n\nChannel 1: Yep.\n\nChannel 0: the only thing that I might need is, again, yeah, they may need to call you just for a couple of extra health questions if I can get some\n\nChannel 1: Yeah.\n\nChannel 0: of those loadings and exclusions updated along with your occupation rating.\n\nChannel 1: Yeah. Because that'll only help the overall super, as you said. Less fees, more investment.\n\nChannel 0: Perfect. And it means that you can I guess, the longevity of it too? Like, insurance isn't a fun thing to pay, especially when it's thousands\n\nChannel 1: So no.\n\nChannel 0: of dollars. But the painful part is you pay it when it's $700, and then once it gets up to 4,000, you wanna cancel it. And then at those ages is when something happens to people. So if I can make it last an extra four or five years so it's there when you need it, but not dragging\n\nChannel 1: Yeah.\n\nChannel 0: you away from hitting the goals, that's kind of the best of\n\nChannel 1: Yeah. Yep.\n\nChannel 0: both worlds. Awesome. Any questions for me at this point, mate?\n\nChannel 1: No. It should be alright. Whenever they need to give me a call about if there's any more questions. Yeah. Just if I don't answer, I'll ring back.\n\nChannel 0: Yep. Easy done. And I hope the the traffic's eased off a little bit for you now.\n\nChannel 1: Yeah. I've nearly made it home, which is good.\n\nChannel 0: Awesome. Well, I'm glad to have kept you company on this beautiful scenic drive. But\n\nChannel 1: So yeah.\n\nChannel 0: if if you have anything else that pops up, please just give us a buzz, and\n\nChannel 1: Yep.\n\nChannel 0: you'll\n\nChannel 1: Alright.\n\nChannel 0: be hearing from us in in a few weeks' time.\n\nChannel 1: Excellent. Thank you.\n\nChannel 0: Awesome. Have a great\n\nChannel 1: Oh,\n\nChannel 0: day, mate.\n\nChannel 1: actually,\n\nChannel 0: Thank you so oh, yeah. Go for it.\n\nChannel 1: there was one thing. So I got Connor to email me about the wills and, like, the EPOA.\n\nChannel 0: Yes.\n\nChannel 1: They so he sent me like, because I don't really understand how well, I understand what we'll do and all they encompass, but he sent me one for a single. Is there, like, a package deal for couples at all? Or is that something I'd have to take up with that that lawyer? Because my wife doesn't have a lawyer either. So I'm like, if we can get all three all all two done, two wills and two PPOAs done all in one go,\n\nChannel 0: Yeah.\n\nChannel 1: that'd be and, like, if we can package it into a\n\nChannel 0: No. That's a great question. So when you got that pack email through, did it just have some pricing on there to do it, like, online?\n\nChannel 1: yeah. It Yeah. It's just that, like yeah. It was just I actually can't remember what lawyer it was, but it was, like, package like, it was a a single will a singles will or and singles EPOA or a package for the will and the EPOA all in one.\n\nChannel 0: Gotcha.\n\nChannel 1: But I was, like, just wondering if, like, there was a way we could see what the pricing was for bundling, like, mine and my\n\nChannel 0: Yeah.\n\nChannel 1: wife's and all that sort of stuff because, essentially, it's probably just gonna be all to her if anything happens to me. But, like yeah.\n\nChannel 0: I'll double check. I'll I'll I'm done off the top of my head, but what I'll do is as soon as I get off the call, I'll have a look at the pack that got sent out to you. I'll\n\nChannel 1: Yep.\n\nChannel 0: ask around the office to see if there's a a couples one that I can flick through. And if not, yeah, it may be a quick call to to that lawyer to see. But what\n\nChannel 1: Yep. Okay.\n\nChannel 0: I'll do is I'll double check, and I'll send you a\n\nChannel 1: Thank you.\n\nChannel 0: text message. Easy done. Alright. So quotes, health, portfolio, and hopefully\n\nChannel 1: Yep.\n\nChannel 0: get the wheels and everything sorted. Did you need anything in terms of, like, beneficiary nominations, or that was all good?\n\nChannel 1: Is that from a super?\n\nChannel 0: Yeah. Super and\n\nChannel 1: Or\n\nChannel 0: life insurance.\n\nChannel 1: I think I did that the last year. I got a letter from somebody that I had to go like, I had to nominate and then find two witnesses.\n\nChannel 0: Yep. We've got\n\nChannel 1: So\n\nChannel 0: Katie\n\nChannel 1: I\n\nChannel 0: on\n\nChannel 1: think\n\nChannel 0: the super\n\nChannel 1: that\n\nChannel 0: at the moment.\n\nChannel 1: yeah. And Katie should also be on the live.\n\nChannel 0: Perfect. I don't have the light in front of me, but I'll double check it. I I believe so.\n\nChannel 1: Yeah.\n\nChannel 0: But I'll just have a look just in case while I'm looking at the the the wheels and the pay EPOA.\n\nChannel 1: Okay. Some question. When it comes to beneficiaries, they can't be disputed, can they?\n\nChannel 0: So when you've got a legally binding or nonbinding type, The nonbinding gives the trustee discretion. The binding is legally binding. The trustee has to do it. It's a lot more direct than a will. So for example,\n\nChannel 1: Yep.\n\nChannel 0: when wills happen, there's statutes of limitation for people to contest and all this kind of thing. The beneficiary\n\nChannel 1: Yep.\n\nChannel 0: nominations, they tend to just go like, here's my details. I'm listed on the form. Here's my partner's death certificate, and then they just do the transactions. Whether\n\nChannel 1: Okay.\n\nChannel 0: someone wants to try and fight about it afterwards, I just know beneficiaries a lot faster, a lot more direct to avoid a\n\nChannel 1: Okay.\n\nChannel 0: bit of that.\n\nChannel 1: Yeah. I'm not sure I went, like, legally binding, but I just wanted to make sure because yeah. Look. My family are a bit of pouches, so I just wanna make sure that nothing can happen to the money and it goes to Katie.\n\nChannel 0: Well, it is legally binding. It's nonlapsing, so it's not just gonna expire.\n\nChannel 1: Yep.\n\nChannel 0: And as long as she can just go through that process, I think she should be fine.\n\nChannel 1: Alright. K. Alrighty.\n\nChannel 0: Cool. Alright. Anything else you can think of?\n\nChannel 1: No. I think that's about\n\nChannel 0: Beautiful. Alrighty. Well, thank you so much for your time today, and\n\nChannel 1: it\n\nChannel 0: I look forward\n\nChannel 1: now.\n\nChannel 0: to catching up in a\n\nChannel 1: Thank\n\nChannel 0: couple of\n\nChannel 1: you. Awesome. No worries. Thank you.\n\nChannel 0: weeks. Oh, awesome, mate. Have a great weekend.\n\nChannel 1: You too.\n\nChannel 0: Cheers.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Speaking.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.11975542455911636}],"sentiment":"neutral","sentiment_score":0.11975542455911636,"channel":1,"num_words":1,"start":1.68,"end":2.1799998},{"sentences":[{"text":"Good day, Rob.","start":3.36,"end":4.0,"sentiment":"positive","sentiment_score":0.44960464040438336},{"text":"Tommy here from Oakview Financial Bank, senior adviser.","start":4.0,"end":6.72,"sentiment":"positive","sentiment_score":0.3510558120906353},{"text":"How are you doing?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.2713687978684902}],"sentiment":"positive","sentiment_score":0.3495157072941462,"channel":0,"num_words":15,"start":3.36,"end":7.54},{"sentences":[{"text":"Not too bad, mate.","start":7.9199996,"end":8.8,"sentiment":"positive","sentiment_score":0.3387826383113861},{"text":"How are you?","start":8.8,"end":9.62,"sentiment":"positive","sentiment_score":0.3441682855288188}],"sentiment":"positive","sentiment_score":0.341090772833143,"channel":1,"num_words":7,"start":7.9199996,"end":9.62},{"sentences":[{"text":"I'm living the dream.","start":9.76,"end":10.639999,"sentiment":"positive","sentiment_score":0.6713098436594009},{"text":"It's a beautiful day on the Gold Coast.","start":10.639999,"end":12.08,"sentiment":"positive","sentiment_score":0.7351581826806068},{"text":"What about your end?","start":12.08,"end":12.885,"sentiment":"neutral","sentiment_score":0.12499551195651293}],"sentiment":"positive","sentiment_score":0.5666554302442819,"channel":0,"num_words":16,"start":9.76,"end":12.885},{"sentences":[{"text":"Yeah.","start":14.719999,"end":15.015,"sentiment":"neutral","sentiment_score":-0.196316197514534},{"text":"I'm stuck in traffic on the Gold Coast.","start":15.175,"end":17.195,"sentiment":"negative","sentiment_score":-0.4423040598630905}],"sentiment":"negative","sentiment_score":-0.41497207515769535,"channel":1,"num_words":9,"start":14.719999,"end":17.195},{"sentences":[{"text":"Oh, no.","start":18.085,"end":18.905,"sentiment":"negative","sentiment_score":-0.3851844072341919},{"text":"School traffic at the end of the day.","start":19.525,"end":21.045,"sentiment":"negative","sentiment_score":-0.4268091209232807},{"text":"I'm sorry, mate.","start":21.045,"end":21.845001,"sentiment":"negative","sentiment_score":-0.4402230381965637},{"text":"Everyone's horrid.","start":21.845001,"end":22.825,"sentiment":"negative","sentiment_score":-0.6967858970165253}],"sentiment":"negative","sentiment_score":-0.4599388460318247,"channel":0,"num_words":15,"start":18.085,"end":22.825},{"sentences":[{"text":"Yep.","start":23.735,"end":24.235,"sentiment":"neutral","sentiment_score":-0.04659077525138855},{"text":"That's all good.","start":24.455,"end":25.435001,"sentiment":"neutral","sentiment_score":0.2056849350531896}],"sentiment":"neutral","sentiment_score":0.14261600747704506,"channel":1,"num_words":4,"start":23.735,"end":25.435001},{"sentences":[{"text":"Cool, mate.","start":26.325,"end":26.885,"sentiment":"neutral","sentiment_score":0.3312736451625824},{"text":"I just had a a couple of minutes to chat to you about the, the super and the insurances from your conversation with Connor.","start":26.885,"end":33.6,"sentiment":"neutral","sentiment_score":0.14888120473672947},{"text":"Do you have a a bit of time for me now while you're stuck?","start":33.82,"end":36.72,"sentiment":"neutral","sentiment_score":0.02780213093917285}],"sentiment":"neutral","sentiment_score":0.11562315092887729,"channel":0,"num_words":40,"start":26.325,"end":36.72},{"sentences":[{"text":"Yep.","start":36.57,"end":37.05,"sentiment":"neutral","sentiment_score":0.05218551680445671},{"text":"Yeah, mate.","start":37.05,"end":37.61,"sentiment":"neutral","sentiment_score":0.08116156980395317},{"text":"Yeah.","start":37.61,"end":37.85,"sentiment":"neutral","sentiment_score":0.09511026740074158},{"text":"Yeah.","start":37.85,"end":38.35,"sentiment":"neutral","sentiment_score":0.12955179810523987}],"sentiment":"neutral","sentiment_score":0.0878341443836689,"channel":1,"num_words":5,"start":36.57,"end":38.35},{"sentences":[{"text":"Cool.","start":38.78,"end":39.18,"sentiment":"neutral","sentiment_score":0.17782428860664368},{"text":"So before I dive into it, just to let you know, I'm registered with ASIC as Adviser 1273105.","start":39.18,"end":45.525,"sentiment":"neutral","sentiment_score":0.06240665747059716}],"sentiment":"neutral","sentiment_score":0.06848126963565224,"channel":0,"num_words":19,"start":38.78,"end":45.525},{"sentences":[{"text":"Yep.","start":45.935,"end":46.435,"sentiment":"neutral","sentiment_score":0.03758932277560234}],"sentiment":"neutral","sentiment_score":0.03758932277560234,"channel":1,"num_words":1,"start":45.935,"end":46.435},{"sentences":[{"text":"Just for security, could I get your date of birth and address?","start":46.065002,"end":49.525,"sentiment":"neutral","sentiment_score":0.027790172879273694}],"sentiment":"neutral","sentiment_score":0.027790172879273694,"channel":0,"num_words":12,"start":46.065002,"end":49.525},{"sentences":[{"text":"12/17/1993.","start":50.175003,"end":52.495003,"sentiment":"neutral","sentiment_score":0.006355231162160635},{"text":"50 McCaleb Way, Lake Reserve 4133.","start":52.495003,"end":55.08,"sentiment":"neutral","sentiment_score":0.013246174668893218}],"sentiment":"neutral","sentiment_score":0.01226175416793142,"channel":1,"num_words":7,"start":50.175003,"end":55.08},{"sentences":[{"text":"Sensational.","start":56.190002,"end":56.670002,"sentiment":"neutral","sentiment_score":0.007033646106719971},{"text":"And are you okay for the call to be recorded?","start":56.670002,"end":58.53,"sentiment":"neutral","sentiment_score":0.012939191237092019}],"sentiment":"neutral","sentiment_score":0.012402323497967287,"channel":0,"num_words":11,"start":56.190002,"end":58.53},{"sentences":[{"text":"Yeah.","start":59.160004,"end":59.480003,"sentiment":"neutral","sentiment_score":0.06349718570709229},{"text":"Yeah.","start":59.480003,"end":59.980003,"sentiment":"neutral","sentiment_score":0.14351969957351685}],"sentiment":"neutral","sentiment_score":0.10350844264030457,"channel":1,"num_words":2,"start":59.160004,"end":59.980003},{"sentences":[{"text":"Perfect, mate.","start":60.670002,"end":61.55,"sentiment":"positive","sentiment_score":0.3736831694841385},{"text":"So one of the things I was having a look at before the call was you've had some improvements in your your duties at your occupation now that you're a supervisor.","start":61.55,"end":71.09,"sentiment":"neutral","sentiment_score":0.13047179603768932}],"sentiment":"neutral","sentiment_score":0.14521187927686807,"channel":0,"num_words":33,"start":60.670002,"end":71.09},{"sentences":[{"text":"Yes.","start":70.845,"end":71.345,"sentiment":"neutral","sentiment_score":0.14838793873786926}],"sentiment":"neutral","sentiment_score":0.14838793873786926,"channel":1,"num_words":1,"start":70.845,"end":71.345},{"sentences":[{"text":"So really good thing about that is that once you get, I guess, quote unquote, off the tools","start":73.095,"end":79.515,"sentiment":"neutral","sentiment_score":0.2099347793393665}],"sentiment":"neutral","sentiment_score":0.2099347793393665,"channel":0,"num_words":18,"start":73.095,"end":79.515},{"sentences":[{"text":"Yes.","start":79.565,"end":80.065,"sentiment":"neutral","sentiment_score":0.12833040952682495}],"sentiment":"neutral","sentiment_score":0.12833040952682495,"channel":1,"num_words":1,"start":79.565,"end":80.065},{"sentences":[{"text":"and go into","start":79.655,"end":80.295006,"sentiment":"neutral","sentiment_score":0.09211130688587825}],"sentiment":"neutral","sentiment_score":0.09211130688587825,"channel":0,"num_words":3,"start":79.655,"end":80.295006},{"sentences":[{"text":"Yep.","start":80.285,"end":80.785,"sentiment":"neutral","sentiment_score":0.15437260270118713}],"sentiment":"neutral","sentiment_score":0.15437260270118713,"channel":1,"num_words":1,"start":80.285,"end":80.785},{"sentences":[{"text":"a more supervisory position, it improves your occupation rating that affects all of the prices.","start":80.295006,"end":85.77,"sentiment":"neutral","sentiment_score":0.21850934823354085}],"sentiment":"neutral","sentiment_score":0.21850934823354085,"channel":0,"num_words":15,"start":80.295006,"end":85.77},{"sentences":[{"text":"Oh, that'd be nice.","start":86.850006,"end":88.07,"sentiment":"neutral","sentiment_score":0.15323316305875778},{"text":"Maybe less","start":88.29,"end":88.850006,"sentiment":"neutral","sentiment_score":0.012762587517499924}],"sentiment":"neutral","sentiment_score":0.1064096378783385,"channel":1,"num_words":6,"start":86.850006,"end":88.850006},{"sentences":[{"text":"So","start":88.81,"end":89.31,"sentiment":"neutral","sentiment_score":-0.020028069615364075}],"sentiment":"neutral","sentiment_score":-0.020028069615364075,"channel":0,"num_words":1,"start":88.81,"end":89.31},{"sentences":[{"text":"money spent on insurance premiums.","start":88.850006,"end":90.71001,"sentiment":"neutral","sentiment_score":0.007720744144171477}],"sentiment":"neutral","sentiment_score":0.007720744144171477,"channel":1,"num_words":5,"start":88.850006,"end":90.71001},{"sentences":[{"text":"yes.","start":91.13,"end":91.369995,"sentiment":"neutral","sentiment_score":0.0765705332159996},{"text":"And that's exactly what we want, isn't it?","start":91.369995,"end":93.39,"sentiment":"neutral","sentiment_score":0.08754374692216516}],"sentiment":"neutral","sentiment_score":0.08632450095481342,"channel":0,"num_words":9,"start":91.13,"end":93.39},{"sentences":[{"text":"Yeah.","start":93.89,"end":94.39,"sentiment":"neutral","sentiment_score":0.011686649173498154}],"sentiment":"neutral","sentiment_score":0.011686649173498154,"channel":1,"num_words":1,"start":93.89,"end":94.39},{"sentences":[{"text":"So what I'm kinda looking at is you're you're technically at a double b rating at the moment.","start":95.13,"end":102.155,"sentiment":"neutral","sentiment_score":-0.018652939341134496},{"text":"It kind of goes b, double b, triple b, and then goes to a.","start":102.155,"end":106.015,"sentiment":"neutral","sentiment_score":-0.009112681977317802},{"text":"You're at a double b","start":106.555,"end":107.435,"sentiment":"neutral","sentiment_score":-0.022934138588607312}],"sentiment":"neutral","sentiment_score":-0.01562165266934883,"channel":0,"num_words":37,"start":95.13,"end":107.435},{"sentences":[{"text":"Alright.","start":107.295006,"end":107.795006,"sentiment":"neutral","sentiment_score":-0.04472818598151207}],"sentiment":"neutral","sentiment_score":-0.04472818598151207,"channel":1,"num_words":1,"start":107.295006,"end":107.795006},{"sentences":[{"text":"at the moment as you're previously kind of like the machinist, and they're linking in with metal and wood 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but","start":1083.5,"end":1088.24,"sentiment":"neutral","sentiment_score":0.09951024854348765}],"sentiment":"neutral","sentiment_score":0.09951024854348765,"channel":0,"num_words":18,"start":1083.5,"end":1088.24},{"sentences":[{"text":"Yep.","start":1088.285,"end":1088.785,"sentiment":"neutral","sentiment_score":-0.22926394641399384}],"sentiment":"neutral","sentiment_score":-0.22926394641399384,"channel":1,"num_words":1,"start":1088.285,"end":1088.785},{"sentences":[{"text":"this one can be a bit overwhelming.","start":1088.38,"end":1090.505,"sentiment":"negative","sentiment_score":-0.5769974631922585},{"text":"Alright.","start":1094.005,"end":1094.405,"sentiment":"neutral","sentiment_score":-0.04517044872045517},{"text":"So when I look at all the options, so it's got two pages.","start":1094.405,"end":1097.625,"sentiment":"neutral","sentiment_score":0.01738593426461403},{"text":"First page has every option by themselves, and then the second page is the overall portfolio.","start":1097.925,"end":1102.665,"sentiment":"neutral","sentiment_score":0.04163243365474045},{"text":"So","start":1103.525,"end":1104.025,"sentiment":"neutral","sentiment_score":0.12384887039661407}],"sentiment":"neutral","sentiment_score":-0.08074125623036373,"channel":0,"num_words":38,"start":1088.38,"end":1104.025},{"sentences":[{"text":"Yep.","start":1103.94,"end":1104.4199,"sentiment":"neutral","sentiment_score":0.1356894075870514},{"text":"Yep.","start":1104.4199,"end":1104.9199,"sentiment":"neutral","sentiment_score":0.15732364356517792}],"sentiment":"neutral","sentiment_score":0.14650652557611465,"channel":1,"num_words":2,"start":1103.94,"end":1104.9199},{"sentences":[{"text":"that ranges from Benelon being down 15%.","start":1104.5651,"end":1108.9299,"sentiment":"neutral","sentiment_score":0.16134601831436157},{"text":"And then on the upper side, your battery tech and electric vehicle shares are up 35%.","start":1110.03,"end":1116.4299,"sentiment":"neutral","sentiment_score":0.145969414152205},{"text":"So it kind of shows you how each one is going on that right hand column.","start":1116.4299,"end":1120.675,"sentiment":"neutral","sentiment_score":0.17218868155032396}],"sentiment":"neutral","sentiment_score":0.1594859399856665,"channel":0,"num_words":39,"start":1104.5651,"end":1120.675},{"sentences":[{"text":"Yep.","start":1121.6951,"end":1122.12,"sentiment":"neutral","sentiment_score":0.1723279356956482}],"sentiment":"neutral","sentiment_score":0.1723279356956482,"channel":1,"num_words":1,"start":1121.6951,"end":1122.12},{"sentences":[{"text":"And then overall, it shows a growth of about just under 7% for the year after fees, taxes, and premiums, which is just under 8,000 on top of the contribution.","start":1122.7351,"end":1134.28,"sentiment":"neutral","sentiment_score":0.10849507339298725},{"text":"So it's about 22% below what we would have hoped for for the 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the","start":1225.225,"end":1225.7051,"sentiment":"neutral","sentiment_score":-0.30007145802179974}],"sentiment":"neutral","sentiment_score":-0.30007145802179974,"channel":0,"num_words":3,"start":1225.225,"end":1225.7051},{"sentences":[{"text":"I","start":1225.59,"end":1225.83,"sentiment":"negative","sentiment_score":-0.38144010305404663}],"sentiment":"negative","sentiment_score":-0.38144010305404663,"channel":1,"num_words":1,"start":1225.59,"end":1225.83},{"sentences":[{"text":"crazy","start":1225.7051,"end":1226.025,"sentiment":"negative","sentiment_score":-0.3712982535362244}],"sentiment":"negative","sentiment_score":-0.3712982535362244,"channel":0,"num_words":1,"start":1225.7051,"end":1226.025},{"sentences":[{"text":"seem","start":1225.83,"end":1226.07,"sentiment":"neutral","sentiment_score":-0.274924635887146}],"sentiment":"neutral","sentiment_score":-0.274924635887146,"channel":1,"num_words":1,"start":1225.83,"end":1226.07},{"sentences":[{"text":"things","start":1226.025,"end":1226.265,"sentiment":"neutral","sentiment_score":-0.3059490919113159}],"sentiment":"neutral","sentiment_score":-0.3059490919113159,"channel":0,"num_words":1,"start":1226.025,"end":1226.265},{"sentences":[{"text":"to 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and","start":1829.175,"end":1831.655,"sentiment":"positive","sentiment_score":0.8065408051013947}],"sentiment":"positive","sentiment_score":0.7557419911026955,"channel":0,"num_words":12,"start":1827.175,"end":1831.655},{"sentences":[{"text":"it","start":1831.38,"end":1831.88,"sentiment":"positive","sentiment_score":0.8057857155799866}],"sentiment":"positive","sentiment_score":0.8057857155799866,"channel":1,"num_words":1,"start":1831.38,"end":1831.88},{"sentences":[{"text":"I look forward","start":1831.655,"end":1832.455,"sentiment":"positive","sentiment_score":0.7108899553616842}],"sentiment":"positive","sentiment_score":0.7108899553616842,"channel":0,"num_words":3,"start":1831.655,"end":1832.455},{"sentences":[{"text":"now.","start":1832.28,"end":1832.78,"sentiment":"positive","sentiment_score":0.5880347490310669}],"sentiment":"positive","sentiment_score":0.5880347490310669,"channel":1,"num_words":1,"start":1832.28,"end":1832.78},{"sentences":[{"text":"to catching up in a","start":1832.455,"end":1833.255,"sentiment":"positive","sentiment_score":0.4016627907752991}],"sentiment":"positive","sentiment_score":0.4016627907752991,"channel":0,"num_words":5,"start":1832.455,"end":1833.255},{"sentences":[{"text":"Thank","start":1833.1799,"end":1833.6799,"sentiment":"positive","sentiment_score":0.5000742673873901}],"sentiment":"positive","sentiment_score":0.5000742673873901,"channel":1,"num_words":1,"start":1833.1799,"end":1833.6799},{"sentences":[{"text":"couple of","start":1833.255,"end":1833.813,"sentiment":"positive","sentiment_score":0.701357364654541}],"sentiment":"positive","sentiment_score":0.701357364654541,"channel":0,"num_words":2,"start":1833.255,"end":1833.813},{"sentences":[{"text":"you.","start":1834.08,"end":1834.58,"sentiment":"positive","sentiment_score":0.6031160354614258},{"text":"Awesome.","start":1834.98,"end":1835.3,"sentiment":"positive","sentiment_score":0.7485959529876709},{"text":"No worries.","start":1835.3,"end":1835.86,"sentiment":"positive","sentiment_score":0.528569296002388},{"text":"Thank you.","start":1835.86,"end":1836.52,"sentiment":"positive","sentiment_score":0.5896490216255188}],"sentiment":"positive","sentiment_score":0.598024770617485,"channel":1,"num_words":6,"start":1834.08,"end":1836.52},{"sentences":[{"text":"weeks.","start":1836.453,"end":1836.933,"sentiment":"neutral","sentiment_score":0.3001521825790405},{"text":"Oh, awesome, mate.","start":1836.933,"end":1837.573,"sentiment":"positive","sentiment_score":0.7899959484736124},{"text":"Have a great weekend.","start":1837.573,"end":1838.473,"sentiment":"positive","sentiment_score":0.8084681332111359}],"sentiment":"positive","sentiment_score":0.7380015701055527,"channel":0,"num_words":8,"start":1836.453,"end":1838.473},{"sentences":[{"text":"You too.","start":1839.3,"end":1839.9629,"sentiment":"positive","sentiment_score":0.6147736012935638}],"sentiment":"positive","sentiment_score":0.6147736012935638,"channel":1,"num_words":2,"start":1839.3,"end":1839.9629},{"sentences":[{"text":"Cheers.","start":1841.013,"end":1841.513,"sentiment":"positive","sentiment_score":0.6445499658584595}],"sentiment":"positive","sentiment_score":0.6445499658584595,"channel":0,"num_words":1,"start":1841.013,"end":1841.513},{"sentences":[{"text":"Bye.","start":1843.4028,"end":1843.8479,"sentiment":"neutral","sentiment_score":-0.08716786652803421}],"sentiment":"neutral","sentiment_score":-0.08716786652803421,"channel":1,"num_words":1,"start":1843.4028,"end":1843.8479}]},"summary":{"result":"success","short":"The representative from Oakview Financial Bank discusses the customer's insurance premiums and suggests a maximum of 70% of their income. They also discuss the possibility of a permanent insurance card and plan to call the customer to discuss further details. The speakers emphasize the importance of getting a maximum amount of coverage and the need for a health check. They also discuss the impact of the Iran war on the stock market and the importance of investing in cryptocurrencies. The speakers emphasize the need for a long-term investment and provide more information and guidance if needed."},"intents":{"segments":[{"text":"We're gonna call Tal, your current insurer, and see if we can kind of Yep. negotiate that one down a little bit. Yep.","start_word":434,"end_word":456,"intents":[{"intent":"Negotiate insurance plan","confidence_score":0.06784403}]},{"text":"So, yeah, it seems to be like, you get the usual aches and pains, like, everybody, but I haven't haven't had to take time off work for it or anything like that. Awesome. So no time off work. If anything, usual aches and pains anyone else gets in terms of, you know, bit of neurofen or something if you if Yeah.","start_word":1023,"end_word":1083,"intents":[{"intent":"Clear medical issues","confidence_score":0.00010731927}]},{"text":"So I am gonna also flag with them the the 12 kegs that you you lost over the last year or so and see if that Yep. moves you into a a better category there as well. Yeah. Yeah.","start_word":1289,"end_word":1327,"intents":[{"intent":"Fix kegs and increase weight loss","confidence_score":0.000055416098}]},{"text":"And one of the things that happens, unfortunately, is in that first twelve months, they do something called add backs where they go, oh, you've lost x amount of kilos. We add 50% back on until it's been kept off for Oh, yeah.","start_word":1338,"end_word":1380,"intents":[{"intent":"Discuss add backs and ulcers","confidence_score":0.00023579462}]},{"text":"But I will give them a call, and I'll I'll kind of ask the question on that one as well because it may be a combination of, like, BMI and the Gord might be leading to that loading.","start_word":1490,"end_word":1527,"intents":[{"intent":"Explain bmi loading","confidence_score":0.0000023980072}]},{"text":"get that loading off, you're gonna have a huge savings. Like, if we if we get the occupation rating improved and the 50% loading off, you you drop to, like, a little over a thousand bucks.","start_word":1533,"end_word":1568,"intents":[{"intent":"Inquire about october cost","confidence_score":5.6214646e-9}]},{"text":"Just while I'm having a look for the the Gordon, so do you have any preference between like, so when it comes to the super investments with Hub, they've got kind of the the most investment options out there for the industry.","start_word":1667,"end_word":1708,"intents":[{"intent":"Explore investment options","confidence_score":0.4052643}]},{"text":"And if that one option kind of blows up, it's only a small portion of your overall balance. Yeah.","start_word":2015,"end_word":2033,"intents":[{"intent":"Improve balance with investment options","confidence_score":0.000013401118}]},{"text":"So, Connor, was it said that you guys were doing due diligence on finding a new, like, a new investment to replace that one, if I'm understanding it Yeah.","start_word":2365,"end_word":2393,"intents":[{"intent":"Find suitable investment","confidence_score":0.00006502502}]},{"text":"We've been talking with the investment committee about correctly. a few options we've been researching, and that's kind of Yep. why I asked that style question before because if there's three or four I narrow it down to, I wanna make sure Yep. that I'm kind of tailoring the super to behave in a way that you expect, if that makes sense. Yep.","start_word":2394,"end_word":2456,"intents":[{"intent":"Identify potential investment options","confidence_score":0.010963127}]},{"text":"And oddly enough, I know in Australia, property is kind of like the one asset to invest in in Australia, but your Yeah. your property option, unfortunately, invests in property companies. And since the government did that new legislation for capital gains tax and negative gearing, those companies are starting to go under and reduce Yeah.","start_word":2515,"end_word":2570,"intents":[{"intent":"Express concern about property and property investment","confidence_score":0.00000388643}]},{"text":"your property option, unfortunately, invests in property companies. And since the government did that new legislation for capital gains tax and negative gearing, those companies are starting to go under and reduce Yeah.","start_word":2538,"end_word":2570,"intents":[{"intent":"Prevent adverse investment decision","confidence_score":6.9973685e-9},{"intent":"Explain property options","confidence_score":0.001004618},{"intent":"Explain the impact of tax and negative gearing on market","confidence_score":0.000004887841}]},{"text":"I've got a few few different options in different areas that we might be able to just diversify you into a little bit.","start_word":2648,"end_word":2670,"intents":[{"intent":"Discuss options","confidence_score":0.018521177}]},{"text":"Maybe we originally said that you should have 7% of your money in this 7% in that one. And if one's gone Yep. up to nine, one's gone down to six, we need to just kind of bring them back to their original weightings, if that makes Yep.","start_word":2705,"end_word":2752,"intents":[{"intent":"Adjust balance","confidence_score":0.007801175},{"intent":"Fix balance","confidence_score":0.0636732}]},{"text":"I will basically just do those comparisons, update the plan for you at the same time as us calling the insurer and seeing if I can get the occupation rating updated, bit of an increased quote from Tal, which may take them about a week to send through to me. So Yep.","start_word":2775,"end_word":2826,"intents":[{"intent":"Update plan","confidence_score":0.7436987}]},{"text":"I will get the team to give you a call in a in Yep. about a fortnight just to book you in to go through those figures with me. No worries.","start_word":2827,"end_word":2857,"intents":[{"intent":"Obtain quote","confidence_score":0.013204987},{"intent":"Book call","confidence_score":0.20179005}]},{"text":"What's sort of, like, percentage, like, growth on the year?","start_word":2895,"end_word":2904,"intents":[{"intent":"Discuss growth percentage","confidence_score":0.008461813}]},{"text":"It's not the most user friendly report. They are developing Yep. some nice nicer ones that kind of make a bit more sense, graphs and things like that, but Yep. this one can be a bit overwhelming. Alright.","start_word":3006,"end_word":3043,"intents":[{"intent":"Evaluate user interface","confidence_score":0.0066484106}]},{"text":"Because I I made the mistake of checking my server to plugging in the hub around that time.","start_word":3343,"end_word":3360,"intents":[{"intent":"Monitor server","confidence_score":0.0031929088}]},{"text":"So so I I I I actually didn't open it back up until you guys rang me for my yearly review because I was like, oh, that's that's probably terrifying and slightly upsetting.","start_word":3368,"end_word":3400,"intents":[{"intent":"Review financial situation","confidence_score":0.00032888743}]},{"text":"And the second tip is so this is the funny thing about Supra is you've just hit that kind of 6 figure mark. You're over 100,000 now. Yeah.","start_word":3547,"end_word":3574,"intents":[{"intent":"Provide tips on supra","confidence_score":0.060745783}]},{"text":"And then once you've got that at, like, 52, then you start reducing that growth allocation down from 80%, Yep. you know, shares to seventy, sixty, fifty, forty, just gradually in Yep. that last decade.","start_word":3634,"end_word":3668,"intents":[{"intent":"Reduce growth allocation","confidence_score":0.18121599}]},{"text":"a horrible retirement. We're playing the law of averages over a long period of time.","start_word":3990,"end_word":4004,"intents":[{"intent":"Inquire about retirement","confidence_score":0.00035573938}]},{"text":"And that's why when people ask us, can you invest in crypto and silver and and these things that can go up and down 80% in a single year, we're just not doing that because you don't need to. No.","start_word":4006,"end_word":4045,"intents":[{"intent":"Evaluate investments and benefits","confidence_score":0.0007931896}]},{"text":"Is there, like, a package deal for couples at all? Or is that something I'd have to take up with that that lawyer?","start_word":4469,"end_word":4491,"intents":[{"intent":"Request packages for couples","confidence_score":0.00013743383}]},{"text":"Did you need anything in terms of, like, beneficiary nominations, or that was all good?","start_word":4772,"end_word":4786,"intents":[{"intent":"Organize events","confidence_score":0.0007641685}]}]},"sentiments":{"segments":[{"text":"Speaking.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.11975542455911636},{"text":"Good day, Rob. Tommy here from Oakview Financial Bank, senior adviser.","start_word":1,"end_word":11,"sentiment":"positive","sentiment_score":0.37437742948532104},{"text":"How are you doing?","start_word":12,"end_word":15,"sentiment":"neutral","sentiment_score":0.2634781002998352},{"text":"Not too bad, mate. How are you? I'm living the dream. It's a beautiful day on the Gold Coast.","start_word":16,"end_word":34,"sentiment":"positive","sentiment_score":0.5797388553619385},{"text":"What about your end? Yeah.","start_word":35,"end_word":39,"sentiment":"neutral","sentiment_score":0.04245726391673088},{"text":"I'm stuck in traffic on the Gold Coast. Oh, no. School traffic at the end of the day. I'm sorry, mate. Everyone's horrid.","start_word":40,"end_word":62,"sentiment":"negative","sentiment_score":-0.4724656045436859},{"text":"Yep. That's all good. Cool, mate. I just had a a couple of minutes to chat to you about the, the super and the insurances from your conversation with Connor. Do you have a a bit of time for me now while you're stuck? Yep. Yeah, mate. Yeah. Yeah. Cool. So before I dive into it, just to let you know, I'm registered with ASIC as Adviser 1273105. Yep. Just for security, could I get your date of birth and address? 12/17/1993. 50 McCaleb Way, Lake Reserve 4133. Sensational. And are you okay for the call to be recorded? Yeah. Yeah.","start_word":63,"end_word":163,"sentiment":"neutral","sentiment_score":0.07367946952581406},{"text":"Perfect, mate.","start_word":164,"end_word":165,"sentiment":"positive","sentiment_score":0.36938005685806274},{"text":"So one of the things I was having a look at before the call was you've had some improvements in your your duties at your occupation now that you're a supervisor. Yes. So really good thing about that is that once you get, I guess, quote unquote, off the tools Yes. and go into Yep. a more supervisory position, it improves your occupation rating that affects all of the prices. Oh, that'd be nice. Maybe less So money spent on insurance premiums. yes. And that's exactly what we want, isn't it? Yeah. So what I'm kinda looking at is you're you're technically at a double b rating at the moment. It kind of goes b, double b, triple b, and then goes to a. You're at a double b Alright. at the moment as you're previously kind of like the machinist, and they're linking in with metal and wood industry. That was kind of the Yep. overall category you fell into. Okay. Oh, income's gone up from 80 to 94. And Yep. based on the duties that I've got here, 75% office, 25% of the time on the shop, but not doing any tools, you'd No. be looking at Not either at all. a so no tools at all. Like, I I occasionally pick up if I've got a repair machine, but that's about it. Yeah. Cool. So No. when we call through to the insurers, you're either gonna be Yep. late listed as a triple b or an a rating. Either one's gonna get you a nice nice chunk Awesome.","start_word":166,"end_word":426,"sentiment":"neutral","sentiment_score":0.038925586682226926},{"text":"saved. So that one's nice and easy.","start_word":427,"end_word":433,"sentiment":"positive","sentiment_score":0.5868813991546631},{"text":"We're gonna call Tal, your current insurer, and see if we can kind of Yep. negotiate that one down a little bit. Yep. On the flip side as well, I'm just having a look at the exclusions there, just a bit of health details, couple of things here. Let Yep. me just have a quick look at the the current amount. But it seems like from your conversation with with Connor that you were kind of happy with the amounts of, like, life insurance that you've got. Yeah. Yeah. They they cover it like, the life insurance covers any outstanding debts should anything happen Mhmm. to me. And then it's a case of, like, the permanent disability. It would also cover all the outstanding debts and then still leave a little bit left over for any modifications that need to be done to the house if I was working permanently disabled.","start_word":434,"end_word":584,"sentiment":"neutral","sentiment_score":0.043788641691207886},{"text":"Beautiful. So I think we should be right for Cool.","start_word":585,"end_word":594,"sentiment":"positive","sentiment_score":0.5102934837341309},{"text":"And added on top of that, in those events, the super comes into play as well. that. Yes.","start_word":595,"end_word":612,"sentiment":"neutral","sentiment_score":0.22631114721298215},{"text":"Perfect.","start_word":613,"end_word":613,"sentiment":"positive","sentiment_score":0.38581371307373047},{"text":"So the the current premium is a little bit over 3,000. They dropped to $2.06 after the 15% rebate. And then once we get that Yep. occupation rating fixed up, it wouldn't surprise me if it dropped another $4,500 at least. Maybe a bit more if we can get an a rate. What I'm sort of thinking too is just double check on your your income protection. Now this one's purely up to you on this, but Yep. the Yep. maximum you can ensure for is 70% of your increased income. So Yep. you currently got 4,950 a month worth of cover, which basically gives you a thousand bucks a week after tax a little bit more. Yeah. What I'm kinda thinking expenses wise is the maximum you could do is 5,400 a month, which is like an extra, you know, $100 a week, something like that. So Yeah. Yeah. were It might you be wanting a me better to look alternative. at that? Yeah. We if we can, if it's not gonna, like, exacerbate the the premiums too much, yeah, that probably would be a good amount. Because I actually I get paid monthly, and I know all the outgoings that I pay Yeah. come to about 5,400, and then the rest is just left over to as a little bit of a flush fund in this shortfall anyway. Okay. Yeah. So probably it's pretty important just to get that that maximum amount if we can. Yeah. Yeah. That probably would be a good idea, actually.","start_word":614,"end_word":870,"sentiment":"neutral","sentiment_score":0.04980791676137234},{"text":"Yeah. Beautiful.","start_word":871,"end_word":872,"sentiment":"positive","sentiment_score":0.5695909261703491},{"text":"So I'll do a bit of an alteration quote with them. And then it's just working through a bit of the health details and your super portfolio. So Yep. I'll give a bit of a call around for them, but I'm just having a look at the the back exclusion that you had at the time. Lumbosacral. So I think they're talking about the lower back here, and it Yeah.","start_word":873,"end_word":942,"sentiment":"neutral","sentiment_score":0.13104362785816193},{"text":"just It says here that you've was been like pretty sweet on the wall. yeah. I haven't had any issues with it since.","start_word":943,"end_word":965,"sentiment":"positive","sentiment_score":0.43005239963531494},{"text":"Like and, like, the only reason it popped up on my like, the thing last time was because I actually had to go to the doctor for it, and, like, that was it's for us. I've been in my new house, like, five years now. So it's probably, like, five years ago, I think it was. Yep. So, yeah, it seems to be like, you get the usual aches and pains, like, everybody, but I haven't haven't had to take time off work for it or anything like that.","start_word":966,"end_word":1054,"sentiment":"neutral","sentiment_score":-0.02734093926846981},{"text":"Awesome.","start_word":1055,"end_word":1055,"sentiment":"positive","sentiment_score":0.6007013320922852},{"text":"So no time off work. If anything, usual aches and pains anyone else gets in terms of, you know, bit of neurofen or something if you if Yeah. the body's a Yeah. bit sore for the day. Yeah. Cool. So all I can really do there is we'll give Tal a call, and I'm basically gonna say, hey. Can you guys look at that original application based on five years of symptoms and treatment free. Is this reviewable? Can we get that cleaned off? Or is there something underlying there that they, you know, put a permanent flag on? But it's basically just Alright. making the call and seeing what we can do on that one. Yeah. They may ask a few further details. So if if they do, you're right for the team to give you a quick buzz and and get a few things Yeah. from Yeah. you either. Yep. Yeah.","start_word":1056,"end_word":1208,"sentiment":"neutral","sentiment_score":0.05325818061828613},{"text":"Perfect.","start_word":1209,"end_word":1209,"sentiment":"positive","sentiment_score":0.4851003885269165},{"text":"They did send me an email a couple of months back. It comes about go for a health check and get 5% off, but I wasn't sure that that was just like I I honestly didn't quite understand the whole thing. So I was like, you guys haven't called me about it, so I'm not worried about it. Yeah. So Tal's been pretty big on, like, the old BMI discounts. They call it a Oh, HealthSense okay. discount. So I am gonna also flag with them the the 12 kegs that you you lost over the last year or so and see if that Yep. moves you into a a better category there as well. Yeah. Yeah. Because I'm aiming to lose more, so can I help? Yeah. And one of the things that happens, unfortunately, is in that first twelve months, they do something called add backs where they go, oh, you've lost x amount of kilos. We add 50% back on until it's been kept off for Oh, yeah. more than twelve months. So it's one of those things where either I can review it now or failing that six to twelve months time, it'll be a green light straight away. Oh, yeah. Oh, yeah. Yeah. Cool. No worries. And the last one is the the reflux.","start_word":1210,"end_word":1428,"sentiment":"neutral","sentiment_score":-0.00261563886824536},{"text":"Good.","start_word":1429,"end_word":1429,"sentiment":"positive","sentiment_score":0.3541695177555084},{"text":"Oh, yeah. Yeah.","start_word":1430,"end_word":1432,"sentiment":"neutral","sentiment_score":0.22821074724197388},{"text":"They're good.","start_word":1433,"end_word":1434,"sentiment":"positive","sentiment_score":0.49264365434646606},{"text":"I do take medication as needed, but but basically been just treating the diet and medication when needed, but not Gotcha. haven't had any, like, bleeding or anything like that.","start_word":1435,"end_word":1464,"sentiment":"neutral","sentiment_score":0.12521086633205414},{"text":"Perfect.","start_word":1465,"end_word":1465,"sentiment":"positive","sentiment_score":0.5557067394256592},{"text":"So I'm gonna have a look. I'm just gonna look in through the previous application to see if I can see what's in there. But I will give them a call, and I'll I'll kind of ask the question on that one as well because it may be a combination of, like, BMI and the Gord might be leading to that loading. And if I can Alright.","start_word":1466,"end_word":1532,"sentiment":"neutral","sentiment_score":0.10135456174612044},{"text":"get that loading off, you're gonna have a huge savings.","start_word":1533,"end_word":1542,"sentiment":"positive","sentiment_score":0.408888578414917},{"text":"Like, if we if we get the occupation rating improved and the 50% loading off, you you drop to, like, a little over a thousand bucks. So, again, whether it's right now, but yeah. Yeah. And I think that'll just it compounds. Right? Because whatever we save on those fees, they get invested, and then that grows over Yep. the years too. Yeah. Alright. Let's have a look here. Just bear with me for two seconds, but I do apologize. I'm just looking through this 21 page application here. Just trying to find those questions. Yep. Because you've already gone through, like, blood test, everything. K. Alright. I've also been looking at the portfolio as well. Just looking at a few updates there. Yep. Just while I'm having a look for the the Gordon, so do you have any preference between like, so when it comes to the super investments with Hub, they've got kind of the the most investment options out there for the industry. So I'm gonna Oh, yeah. be sifting through about 1,300 of them, and I've got my metrics on how to kind of whittle that down a little bit. Yep. What I'm sort of thinking, though, is we can kind of go two main styles. We can replace them with lower fee options that follow the market very closely in that asset class, like the stock market, gold market, and so on, or we Yep. can stay in that pay higher fees, try and get a higher return style as well. Do you have a strong leaning between the two? I I sorta because I'm, like, not looking to retire, like, in the next, like, ten, fifteen, twenty years, I I I sorta lean more towards I'm happy with a little bit risk and a little bit of growth. It's like a like a higher potential for growth. Yeah.","start_word":1543,"end_word":1856,"sentiment":"neutral","sentiment_score":0.12861785691255218},{"text":"But, like, I'd also say don't wanna, like, put all my eggs in one basket and then a blow up in my face.","start_word":1857,"end_word":1879,"sentiment":"negative","sentiment_score":-0.34182730317115784},{"text":"Perfect. So, Perfect. like, I'm So sort what of that means sorry. Can you say that last bit again? that. So, like, I'm sort of more in the middle ground. Like, I'm willing to take a little bit of risk, but I also don't wanna, like, have it blow up in my face. So Yeah. I'm having a look at your your, like, your risk profile at the moment. And because you're kind of in that that growth risk profile, you're not high risk. You've got that 80% in growth assets where you've still got a decent chunk Yep. in Yep. the safer side of things. And then what that means is if I go that direction that you just said for the replacement option, it means just Yep. one option stays in that style. And if that one option kind of blows up, it's only a small portion of your overall balance. Yeah. Yeah. That that's sort of what I was looking trying to say. I wasn't really doing really well, but, yeah, I No. I knew I'm exactly I'm happy what to you're have talking a little about. bit to, like like, in a higher risk on the option that it gives me a better return, but then I also don't wanna put more banks in one basket and lose it all. So Exactly. So what we'll do is we've got this core and satellite approach going with yours where there's a whole group of small amounts in these different sectors Yep. and countries and things. So if one of those goes sour, it's not impacting the overall balance. You've still got a steady ship in the middle, and Yep. we can kind of afford to take a little bit more risk on one option, but without increasing your entire risk profile from, like, a four to a five out of five.","start_word":1880,"end_word":2193,"sentiment":"neutral","sentiment_score":0.04562979515428376},{"text":"Perfect.","start_word":2194,"end_word":2194,"sentiment":"positive","sentiment_score":0.39083653688430786},{"text":"And that Yep. ties in pretty well, like you said, retirement's ages away. So we've got decades up our sleeve. If we need to review it next year, we can always bump things up and down as we need to. And for Yeah. this, it's really just an engine tune up because there's a couple of options that, you know, they haven't been doing what we expected them to do. So I need to kind Yeah. of It's slot the someone the in who is Ben Ben some Betty or some like, yeah. there was That's some investments. the one. Ben What along. Bedelon. Yeah. Sorry. I was I knew it was Ben, and I'm like, Bettyview something, so I Yeah. There's there's Benelon is the main one where can't remember.","start_word":2195,"end_word":2325,"sentiment":"neutral","sentiment_score":0.004477670117643953},{"text":"it's kind of shot off in in in an odd direction. Like, it's dropped a bit faster than the other ones in its group, and it hasn't Yep. kind of caught back up the way it should have.","start_word":2326,"end_word":2363,"sentiment":"negative","sentiment_score":-0.4083828330039978},{"text":"Yeah. So, Connor, was it said that you guys were doing due diligence on finding a new, like, a new investment to replace that one, if I'm understanding it Yeah. We've been talking with the investment committee about correctly. a few options we've been researching, and that's kind of Yep. why I asked that style question before because if there's three or four I narrow it down to, I wanna make sure Yep. that I'm kind of tailoring the super to behave in a way that you expect, if that makes sense. Yep. And the other thing too, this one's a little bit out of left field, but the government's phasing out a specific type of term deposit called a bank hybrid that you do have. That one's easy. I basically just need to switch that out with another type of term deposit that's not being phased out. Yeah. Nothing crazy. And oddly enough, I know in Australia, property is kind of like the one asset to invest in in Australia, but your Yeah.","start_word":2364,"end_word":2537,"sentiment":"neutral","sentiment_score":-0.009853980503976343},{"text":"your property option, unfortunately, invests in property companies. And since the government did that new legislation for capital gains tax and negative gearing, those companies are starting to go under and reduce Yeah.","start_word":2538,"end_word":2570,"sentiment":"negative","sentiment_score":-0.5294811129570007},{"text":"profits And I figured and they activity. would.","start_word":2571,"end_word":2578,"sentiment":"neutral","sentiment_score":-0.24935615062713623},{"text":"So they're getting hit hard, and Yeah. there's no good kind of property like, there's no direct property fund I can slot it into so you get the growth of the market. I basically Yep. need to keep you away from those companies as well.","start_word":2579,"end_word":2623,"sentiment":"negative","sentiment_score":-0.5739346742630005},{"text":"Yeah. And I don't really have a preference or idea on what to do there, but I'll take whatever advice you've got.","start_word":2624,"end_word":2645,"sentiment":"neutral","sentiment_score":-0.009462192681067709},{"text":"Easy done.","start_word":2646,"end_word":2647,"sentiment":"positive","sentiment_score":0.5238418579101562},{"text":"I've got a few few different options in different areas that we might be able to just diversify you into a little bit. And one thing I need to do as well is also we call it like a rebalance. So because you've got eight options there, some of them go up, some of them go down. Maybe we originally said that you should have 7% of your money in this 7% in that one. And if one's gone Yep. up to nine, one's gone down to six, we need to just kind of bring them back to their original weightings, if that makes Yep. Yep. sense. Kinda like a buy low to sell high.","start_word":2648,"end_word":2762,"sentiment":"neutral","sentiment_score":0.08790093660354614},{"text":"Yeah. Perfect. So I can get that one fixed up pretty easy.","start_word":2763,"end_word":2774,"sentiment":"positive","sentiment_score":0.5748056173324585},{"text":"I will basically just do those comparisons, update the plan for you at the same time as us calling the insurer and seeing if I can get the occupation rating updated, bit of an increased quote from Tal, which may take them about a week to send through to me. So Yep. I will get the team to give you a call in a in Yep. about a fortnight just to book you in to go through those figures with me. No worries.","start_word":2775,"end_word":2857,"sentiment":"neutral","sentiment_score":0.2492434084415436},{"text":"Beautiful.","start_word":2858,"end_word":2858,"sentiment":"positive","sentiment_score":0.5049688816070557},{"text":"Do you have any questions for me at this point? Just off the top of your your head because I know it was, like, a 113,000, I think, I had it with super as of whenever. What's sort of, like, percentage, like, growth on the year? Like, Actually, I've got that open as well. Just bear with me two secs, Rob. So that review report that you got from from Connor in the pack, if you ever go into that one, just so you know sort of how to read these things, it's got Yep. two Yeah. pages I on I your sort of started looking and I was like, oh, I'm probably just gonna wait for you to give me a call, and I'll ask the questions then. yeah. No. They're they're a bit fun to look at when it's just a table full of figures.","start_word":2859,"end_word":3005,"sentiment":"neutral","sentiment_score":0.05931852864367621},{"text":"It's not the most user friendly report.","start_word":3006,"end_word":3012,"sentiment":"negative","sentiment_score":-0.4091718792915344},{"text":"They are developing Yep. some nice nicer ones that kind of make a bit more sense, graphs and things like that, but Yep.","start_word":3013,"end_word":3035,"sentiment":"neutral","sentiment_score":0.05283796042203903},{"text":"this one can be a bit overwhelming.","start_word":3036,"end_word":3042,"sentiment":"negative","sentiment_score":-0.5712587833404541},{"text":"Alright. So when I look at all the options, so it's got two pages. First page has every option by themselves, and then the second page is the overall portfolio. So Yep. Yep. that ranges from Benelon being down 15%. And then on the upper side, your battery tech and electric vehicle shares are up 35%. So it kind of shows you how each one is going on that right hand column. Yep. And then overall, it shows a growth of about just under 7% for the year after fees, taxes, and premiums, which is just under 8,000 on top of the contribution. So it's about 22% below what we would have hoped for for the year. Yeah. Because I was I sorta remember, I think, over the not not this year, but the year before, it was, like, 11%. It was a lot higher than what you guys were expecting. And I was like and then I was like I I had a look at those numbers. I was like, I think that's the number I'm think like, looking for. I was like, jeez.","start_word":3043,"end_word":3227,"sentiment":"neutral","sentiment_score":-0.01266947202384472},{"text":"That's a bit lower than last year. And, again, like, because that been along didn't perform the way it was predicted, I was assuming that would have hurt the overall.","start_word":3228,"end_word":3257,"sentiment":"negative","sentiment_score":-0.3898310959339142},{"text":"So but Yeah. Overall, like, it's probably affected it by that kind of one and a half percent to get it just oh, below yeah. the benchmark. On top of that, that big drop we had in February, March when the Iran war kicked off kind of pulled everyone down about 7%, so it had to catch back up the last half of the year. And I guess the combination of both of those is what you're reading in those figures. Yeah. Yeah. Yeah. Because I I made the mistake of checking my server to plugging in the hub around that time.","start_word":3258,"end_word":3359,"sentiment":"neutral","sentiment_score":-0.2160177441204295},{"text":"I had a mini heart attack. Oh, no. So so I I I I actually didn't open it back up until you guys rang me for my yearly review because I was like, oh, that's that's probably terrifying and slightly upsetting.","start_word":3360,"end_word":3400,"sentiment":"negative","sentiment_score":-0.4028237462043762},{"text":"So One of the I crazy seem things to have, that happens sorry. Go go for yeah. it. I think I have that really good luck of always looking right at the most inopportune times because every Like, time I bottom look, of it's COVID like or something. yeah. Well, I looked and it was like when, like, the Ukraine thing kicked off, I happened to look at the same time, and I was like, oh, crap.","start_word":3401,"end_word":3477,"sentiment":"neutral","sentiment_score":-0.14348939061164856},{"text":"That took a punishing.","start_word":3478,"end_word":3481,"sentiment":"negative","sentiment_score":-0.45417171716690063},{"text":"And then, again, I did it this year, and then there was something that happened last year. And I was like, you know what?","start_word":3482,"end_word":3505,"sentiment":"neutral","sentiment_score":-0.21546053886413577},{"text":"I'm just not gonna log in because this is just getting upsetting.","start_word":3506,"end_word":3517,"sentiment":"negative","sentiment_score":-0.41635698080062866},{"text":"I'll give you two So tips. Don't look at your super the day that the news comes out.","start_word":3518,"end_word":3535,"sentiment":"neutral","sentiment_score":-0.22644880414009097},{"text":"yeah. That's that's a fast way for everyone to panic.","start_word":3536,"end_word":3545,"sentiment":"negative","sentiment_score":-0.6086345314979553},{"text":"Yeah. And the second tip is so this is the funny thing about Supra is you've just hit that kind of 6 figure mark. You're over 100,000 now. Yeah. When you hit the forties and you start cresting up to $3,400,000, you hit this weird period where all the returns are percentage based. So if it goes up ten, fifteen, 20% a year, now we're talking about $40.50, $60,000 swings up and down in a single year. But that also gets you from the 400,000 to the million. And then once you've got that at, like, 52, then you start reducing that growth allocation down from 80%, Yep. you know, shares to seventy, sixty, fifty, forty, just gradually in Yep. that last decade. And then you've essentially protected the million, and then you've got your nice healthy nest egg to retire on.","start_word":3546,"end_word":3687,"sentiment":"neutral","sentiment_score":0.06456509977579117},{"text":"It can earn a little bit. You can pull out a little bit to live on, and that's all good.","start_word":3688,"end_word":3707,"sentiment":"positive","sentiment_score":0.5724895596504211},{"text":"But that period between kind of forty and fifty where you make the most gains, but you see the biggest swings, that's why we have these these risk profile questionnaires and risk discussions because it's all fun when you're 25, you've got $15 in super. Oh, you know, it goes up and down kind of thing. But when you're like, oh, my super is down $60,000 in four months, it becomes a Yeah. little bit Yeah. more real. Yeah. Yeah. That's yeah.","start_word":3708,"end_word":3789,"sentiment":"neutral","sentiment_score":0.10081186145544052},{"text":"I that's that's actually really good advice.","start_word":3790,"end_word":3796,"sentiment":"positive","sentiment_score":0.4482310712337494},{"text":"Maybe don't log in where you you've seen something go on the news. Yeah. And, honestly, half my my career now, like, I'm coming on thirteen years, and half of it just seems to be trying to get people not to panic because people Yeah. tend to not look at their super their whole life, and then you go pay a few thousand dollars for a financial adviser, and then you wanna look at it every day. And the moment you see it go down, you're panicking. But beforehand, when the world melted down, everyone didn't even look at it for three years and didn't Yeah. even notice that it went down and back up again. Yeah. So well, it's it's bounced back. So I I looked. So I was like, I'm I'm happy now, but yeah. I'm I'm I might not if I see something in the news, I just won't look for a little bit. Yeah. That that's always healthy. And bear in mind, we're not doing anything too crazy with the super where we're trying to risk a permanent loss that you can't recover from, and you're gonna have Yeah.","start_word":3797,"end_word":3989,"sentiment":"neutral","sentiment_score":-0.08885380625724792},{"text":"a horrible retirement. We're playing the law of averages over a long period of time.","start_word":3990,"end_word":4004,"sentiment":"negative","sentiment_score":-0.6169781684875488},{"text":"And that's why when people ask us, can you invest in crypto and silver and and these things that can go up and down 80% in a single year, we're just not doing that because you don't need to. No. My job is to get you from that kind of eight or 9% return to the ten, eleven, 12, and that compounds to Yep. an extra few $100,000 at the end.","start_word":4005,"end_word":4075,"sentiment":"neutral","sentiment_score":0.004090534523129463},{"text":"And now you're comfortable, now you're self funded, Yes.","start_word":4076,"end_word":4084,"sentiment":"positive","sentiment_score":0.34077075123786926},{"text":"and we're just averaging out an extra couple of percent after everything's That's right. said and done.","start_word":4085,"end_word":4101,"sentiment":"neutral","sentiment_score":0.28341785073280334},{"text":"Cool.","start_word":4102,"end_word":4102,"sentiment":"positive","sentiment_score":0.5337696075439453},{"text":"Yep. I will dive into that, get the quotes going. I will do the updated comparisons and show you both in the one updated document and projections. And Yep. the only thing that I might need is, again, yeah, they may need to call you just for a couple of extra health questions if I can get some Yeah. of those loadings and exclusions updated along with your occupation rating. Yeah. Because that'll only help the overall super, as you said. Less fees, more investment.","start_word":4103,"end_word":4187,"sentiment":"neutral","sentiment_score":0.08740954846143723},{"text":"Perfect.","start_word":4188,"end_word":4188,"sentiment":"positive","sentiment_score":0.5822641253471375},{"text":"And it means that you can I guess, the longevity of it too? Like, insurance isn't a fun thing to pay, especially when it's thousands So no. of dollars. But the painful part is you pay it when it's $700, and then once it gets up to 4,000, you wanna cancel it. And then at those ages is when something happens to people. So if I can make it last an extra four or five years so it's there when you need it, but not dragging Yeah. you away from hitting the goals, that's kind of the best of Yeah. Yep. both worlds.","start_word":4189,"end_word":4291,"sentiment":"neutral","sentiment_score":-0.0260921623557806},{"text":"Awesome.","start_word":4292,"end_word":4292,"sentiment":"positive","sentiment_score":0.48609304428100586},{"text":"Any questions for me at this point, mate? No. It should be alright. Whenever they need to give me a call about if there's any more questions. Yeah. Just if I don't answer, I'll ring back. Yep.","start_word":4293,"end_word":4329,"sentiment":"neutral","sentiment_score":0.02883528545498848},{"text":"Easy done.","start_word":4330,"end_word":4331,"sentiment":"positive","sentiment_score":0.34523043036460876},{"text":"And I hope the the traffic's eased off a little bit for you now. Yeah.","start_word":4332,"end_word":4346,"sentiment":"neutral","sentiment_score":0.23298272490501404},{"text":"I've nearly made it home, which is good. Awesome. Well, I'm glad to have kept you company on this beautiful scenic drive.","start_word":4347,"end_word":4368,"sentiment":"positive","sentiment_score":0.7321767807006836},{"text":"But So yeah. if if you have anything else that pops up, please just give us a buzz, and Yep. you'll Alright. be hearing from us in in a few weeks' time.","start_word":4369,"end_word":4400,"sentiment":"neutral","sentiment_score":0.11794523894786836},{"text":"Excellent. Thank you. Awesome. Have a great Oh, day, mate. actually, Thank you so oh, yeah. Go for it.","start_word":4401,"end_word":4419,"sentiment":"positive","sentiment_score":0.48258134722709656},{"text":"there was one thing. So I got Connor to email me about the wills and, like, the EPOA. Yes. They so he sent me like, because I don't really understand how well, I understand what we'll do and all they encompass, but he sent me one for a single. Is there, like, a package deal for couples at all? Or is that something I'd have to take up with that that lawyer? Because my wife doesn't have a lawyer either. So I'm like, if we can get all three all all two done, two wills and two PPOAs done all in one go, Yeah. that'd be and, like, if we can package it into a No. That's a great question. So when you got that pack email through, did it just have some pricing on there to do it, like, online? yeah. It Yeah. It's just that, like yeah. It was just I actually can't remember what lawyer it was, but it was, like, package like, it was a a single will a singles will or and singles EPOA or a package for the will and the EPOA all in one. Gotcha. But I was, like, just wondering if, like, there was a way we could see what the pricing was for bundling, like, mine and my Yeah. wife's and all that sort of stuff because, essentially, it's probably just gonna be all to her if anything happens to me. But, like yeah. I'll double check. I'll I'll I'm done off the top of my head, but what I'll do is as soon as I get off the call, I'll have a look at the pack that got sent out to you. I'll Yep. ask around the office to see if there's a a couples one that I can flick through. And if not, yeah, it may be a quick call to to that lawyer to see. But what Yep. Okay. I'll do is I'll double check, and I'll send you a Thank you. text message.","start_word":4420,"end_word":4755,"sentiment":"neutral","sentiment_score":0.00991139205039612},{"text":"Easy done.","start_word":4756,"end_word":4757,"sentiment":"positive","sentiment_score":0.4998669624328614},{"text":"Alright. So quotes, health, portfolio, and hopefully Yep. get the wheels and everything sorted. Did you need anything in terms of, like, beneficiary nominations, or that was all good? Is that from a super? Yeah. Super and Or life insurance. I think I did that the last year. I got a letter from somebody that I had to go like, I had to nominate and then find two witnesses. Yep. We've got So Katie I on think the super that at the moment. yeah. And Katie should also be on the live.","start_word":4758,"end_word":4849,"sentiment":"neutral","sentiment_score":0.09045327454805374},{"text":"Perfect.","start_word":4850,"end_word":4850,"sentiment":"positive","sentiment_score":0.48082706332206726},{"text":"I don't have the light in front of me, but I'll double check it. I I believe so. Yeah. But I'll just have a look just in case while I'm looking at the the the wheels and the pay EPOA. Okay. Some question. When it comes to beneficiaries, they can't be disputed, can they? So when you've got a legally binding or nonbinding type, The nonbinding gives the trustee discretion. The binding is legally binding. The trustee has to do it. It's a lot more direct than a will. So for example, Yep. when wills happen, there's statutes of limitation for people to contest and all this kind of thing. The beneficiary Yep. nominations, they tend to just go like, here's my details. I'm listed on the form. Here's my partner's death certificate, and then they just do the transactions. Whether Okay. someone wants to try and fight about it afterwards, I just know beneficiaries a lot faster, a lot more direct to avoid a Okay. bit of that. Yeah. I'm not sure I went, like, legally binding, but I just wanted to make sure because yeah. Look. My family are a bit of pouches, so I just wanna make sure that nothing can happen to the money and it goes to Katie. Well, it is legally binding. It's nonlapsing, so it's not just gonna expire. Yep.","start_word":4851,"end_word":5077,"sentiment":"neutral","sentiment_score":0.014103533696005786},{"text":"And as long as she can just go through that process, I think she should be fine.","start_word":5078,"end_word":5094,"sentiment":"positive","sentiment_score":0.33999308943748474},{"text":"Alright. K. Alrighty.","start_word":5095,"end_word":5097,"sentiment":"neutral","sentiment_score":0.24013511836528775},{"text":"Cool.","start_word":5098,"end_word":5098,"sentiment":"positive","sentiment_score":0.4584091901779175},{"text":"Alright. Anything else you can think of? No. I think that's about Beautiful.","start_word":5099,"end_word":5111,"sentiment":"neutral","sentiment_score":0.19783203303813937},{"text":"Alrighty. Well, thank you so much for your time today, and it I look forward now. to catching up in a Thank couple of you. Awesome. No worries. Thank you.","start_word":5112,"end_word":5141,"sentiment":"positive","sentiment_score":0.6278931498527527},{"text":"weeks.","start_word":5142,"end_word":5142,"sentiment":"neutral","sentiment_score":0.3001521825790405},{"text":"Oh, awesome, mate. Have a great weekend. You too. Cheers. Bye.","start_word":5143,"end_word":5153,"sentiment":"positive","sentiment_score":0.6998345255851746}],"average":{"sentiment":"neutral","sentiment_score":0.031294574440224515}}}}